Interest calculation method, interest calculation device, computer readable storage medium and electronic device

Abstract

This application provides an interest calculation method, an interest calculation device, a computer-readable storage medium, and an electronic device. In this application, a list of daily accumulated amounts for a current account within an interest settlement period is obtained. This list includes multiple interest settlement dates, and for each interest settlement date, the account balance, accumulated amount, and interest rate. The list of daily accumulated amounts is divided into multiple sub-lists of daily accumulated amounts within different interest settlement intervals. Each sub-list corresponds one-to-one with an interest settlement interval, and the interest rate is the same for each interval. A first mapping relationship is constructed based on the interest settlement intervals and their corresponding interest rates. A second mapping relationship is constructed based on the first mapping relationship and the sub-lists of daily accumulated amounts for each interest settlement interval. The second mapping relationship reflects the relationship between the interest rate and the corresponding interest amount within each interest settlement interval. The total interest amount for the account to be calculated within the corresponding interest settlement period is determined according to the second mapping relationship. This application solves the problem of low interest calculation efficiency.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and more specifically, to an interest calculation method, an interest calculation device, a computer-readable storage medium, and an electronic device. Background Technology

[0002] Interest calculation is one of the foundations of banking operations. With the increasing complexity of financial markets, there is a need for segmented interest calculation based on different interest rates for different balance ranges or deposit periods. This requires banking systems to manage and calculate interest more precisely.

[0003] However, the current interest calculation method requires recalculating interest at every interest rate change point, which challenges the computational efficiency of existing systems, especially when dealing with large-scale account settlements, resulting in low interest calculation efficiency. Summary of the Invention

[0004] The main objective of this application is to provide an interest calculation method, an interest calculation device, a computer-readable storage medium, and an electronic device, so as to at least solve the problem of low interest calculation efficiency in existing interest calculation methods.

[0005] To achieve the above objectives, according to one aspect of this application, an interest calculation method is provided, comprising: obtaining a daily accumulation list of a current account within an interest settlement period, the daily accumulation list including multiple interest settlement dates, and the account balance, interest accumulation, and interest rate for each interest settlement date; dividing the daily accumulation list into multiple daily accumulation sub-lists in different interest settlement intervals, wherein each daily accumulation sub-list corresponds one-to-one with the interest settlement interval, the interest rate for each interest settlement interval is the same, and the interest settlement period includes multiple consecutive interest settlement intervals; constructing a first mapping relationship based on the interest settlement intervals and their corresponding interest rates, the first mapping relationship reflecting the relationship between the interest settlement intervals and their corresponding interest rates; constructing a second mapping relationship based on the first mapping relationship and each daily accumulation sub-list of each interest settlement interval, the second mapping relationship reflecting the relationship between the interest rate and the corresponding interest amount in each interest settlement interval; and determining the total interest of the account to be calculated within the corresponding interest settlement period according to the second mapping relationship.

[0006] Optionally, determining the total interest of the account to be accrued in the corresponding interest settlement period according to the second mapping relationship includes: determining the interest amount under each of the interest accrual intervals according to the second mapping relationship; and determining the total interest of the account to be accrued in the corresponding interest settlement period based on the interest amount under each of the interest accrual intervals.

[0007] Optionally, dividing the daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals includes: grouping entries in the daily accumulation list that have the same interest rate into a group, and determining the interest-bearing interval based on the interest-bearing date in each group, thereby obtaining multiple daily accumulation sub-lists in different interest-bearing intervals.

[0008] Optionally, before dividing the daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals, the method further includes: sorting the daily accumulation list according to the chronological order of the interest-bearing dates.

[0009] Optionally, obtaining a list of daily accumulated amounts for a current account within an interest accrual period includes: obtaining information about the accounts to be accrued for each day within the interest accrual period, wherein the information about the accounts to be accrued for each day includes the interest accrual date, the account balance, the accumulated amount, and the interest rate; and constructing the list of daily accumulated amounts based on the information about the accounts to be accrued for each day within the interest accrual period.

[0010] Optionally, after determining the total interest amount of the account to be accrued in the corresponding interest period according to the second mapping relationship, the method further includes: calculating the sum of the interest amounts of the other interest periods in the corresponding interest period except for the last interest period to obtain a first interest amount; and subtracting the first interest amount from the total interest amount to obtain the interest amount of the last interest period in the corresponding interest period.

[0011] Optionally, after determining the total interest amount of the account to be accrued in the corresponding interest settlement period according to the second mapping relationship, the method further includes: storing segmented interest lists for different interest settlement intervals within the corresponding interest settlement period, each segmented interest list including the start date, end date, interest rate, interest amount, and sum of interest accumulation for the corresponding interest settlement interval; and storing an interest registration table for the entire corresponding interest settlement period, the interest registration table including the start date and end date of the entire corresponding interest settlement period, and the sum of interest accumulation for each of the interest settlement intervals.

[0012] According to another aspect of this application, an interest calculation device is provided, comprising: an acquisition unit, configured to acquire a list of daily accumulated amounts of a current account within an interest settlement period, the list of daily accumulated amounts including multiple interest settlement dates, and the account balance, accumulated amount, and interest rate for each interest settlement date; a division unit, configured to divide the list of daily accumulated amounts into multiple sub-lists of daily accumulated amounts in different interest settlement intervals, wherein each sub-list of daily accumulated amounts corresponds one-to-one with the interest settlement interval, the interest rate for each interest settlement interval is the same, and the interest settlement period includes multiple consecutive interest settlement intervals; a first construction unit, configured to construct a first mapping relationship based on the interest settlement intervals and their corresponding interest rates, the first mapping relationship reflecting the relationship between the interest settlement intervals and their corresponding interest rates; a second construction unit, configured to construct a second mapping relationship based on the first mapping relationship and each sub-list of daily accumulated amounts in each interest settlement interval, the second mapping relationship reflecting the relationship between the interest rate and the corresponding interest amount in each interest settlement interval; and a determination unit, configured to determine the total interest of the account to be calculated within the corresponding interest settlement period according to the second mapping relationship.

[0013] According to another aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored program, wherein, when the program is executed, it controls the device on which the computer-readable storage medium is located to perform any of the aforementioned interest calculation methods.

[0014] According to another aspect of this application, an electronic device is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including methods for performing any of the aforementioned interest calculation methods.

[0015] Using the technical solution of this application, a daily accumulation list of a current account within an interest settlement period is obtained. The daily accumulation list includes multiple interest settlement dates, and the account balance, interest accumulation, and interest rate for each interest settlement date. The daily accumulation list is divided into multiple daily accumulation sub-lists within different interest settlement intervals, wherein each daily accumulation sub-list corresponds one-to-one with an interest settlement interval, and the interest rate is the same for each interest settlement interval. The interest settlement period includes multiple consecutive interest settlement intervals. Based on the interest settlement intervals and their corresponding interest rates, a first mapping relationship is constructed, reflecting the relationship between the interest settlement intervals and their corresponding interest rates. Based on the first mapping relationship and each daily accumulation sub-list of each interest settlement interval, a second mapping relationship is constructed, reflecting the relationship between the interest rate and the corresponding interest amount in each interest settlement interval. The total interest of the account to be accrued within the corresponding interest settlement period is determined according to the second mapping relationship. This scheme obtains detailed daily accrual information for current accounts within a specific interest settlement period, including account balance, accrued accrual, and interest rate. Based on this information, the interest settlement period is subdivided into multiple sub-intervals with the same interest rate, and a two-layer mapping relationship is constructed: one layer maps the interest settlement interval to the interest rate, ensuring interest rate consistency within each interval; the other layer maps the interest rate to the corresponding interest amount, calculating the interest amount under different interest rates. Through these mapping relationships, the interest amount for different interest rate intervals throughout the entire interest settlement period can be calculated efficiently and accurately, ultimately determining the total interest for the account to be accrued, thus solving the problem of low interest calculation efficiency. Attached Figure Description

[0016] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0017] Figure 1 A hardware structure block diagram of a mobile terminal performing an interest calculation method according to an embodiment of this application is shown;

[0018] Figure 2 A schematic flowchart of an interest calculation method according to an embodiment of this application is shown;

[0019] Figure 3 A flowchart illustrating a specific interest calculation method according to an embodiment of this application is shown;

[0020] Figure 4 A structural block diagram of an interest calculation device provided according to an embodiment of this application is shown.

[0021] The above figures include the following reference numerals:

[0022] 102. Processor; 104. Memory; 106. Transmission device; 108. Input / output device. Detailed Implementation

[0023] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0024] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0025] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application 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 for the embodiments of this application described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0026] As described in the background section, existing interest calculation methods require recalculating interest at each interest rate change point, resulting in low interest calculation efficiency. To address the problem of low interest calculation efficiency in existing interest calculation methods, embodiments of this application provide an interest calculation method, an interest calculation device, a computer-readable storage medium, and an electronic device.

[0027] The technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.

[0028] The methods and embodiments provided in this application can be executed on a mobile terminal, computer terminal, or similar computing device. Taking running on a mobile terminal as an example, Figure 1 This is a hardware structure block diagram of a mobile terminal for an interest calculation method according to an embodiment of the present invention. Figure 1 As shown, a mobile terminal may include one or more ( Figure 1Only one is shown in the diagram. A processor 102 (which may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.) and a memory 104 for storing data are also shown. The mobile terminal may further include a transmission device 106 for communication functions and an input / output device 108. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the mobile terminal described above. For example, the mobile terminal may also include components that are more... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0029] The memory 104 can be used to store computer programs, such as application software programs and modules, like the computer program corresponding to the interest calculation method in this embodiment of the invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, thereby implementing the above-described method. The memory 104 may include high-speed random access memory and non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the mobile terminal via a network. Examples of the aforementioned networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof. The transmission device 106 is used to receive or send data via a network. Specific examples of the aforementioned networks may include wireless networks provided by the mobile terminal's communication provider. In one example, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to communicate with the Internet. In one example, the transmission device 106 may be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0030] This embodiment provides an interest calculation method that runs on a mobile terminal, computer terminal, or similar computing device. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Also, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0031] Figure 2 This is a flowchart of an interest calculation method according to an embodiment of this application. For example... Figure 2 As shown, the method includes the following steps:

[0032] Step S201: Obtain a list of daily accumulated points for a current account within an interest settlement period. The list of daily accumulated points includes multiple interest settlement dates, and the account balance, accumulated points, and interest rate for each interest settlement date.

[0033] Specifically, the first step is to obtain a list of daily interest accruals for the current account within an interest-bearing cycle. This list details the daily interest calculation, including the interest-bearing date, the account balance for that day, the daily interest accrual, and the corresponding interest rate. The daily interest accrual is primarily used to quantify the impact of the account balance on interest over time. The daily interest accrual is equal to the product of the account balance and the number of interest-bearing days. Here, "account balance" refers to the balance in the customer's account at a specific point in time (usually at the end of each day), while "interest-bearing days" refers to the length of time that account balance is used to calculate interest, typically one day. For deposits, interest is generated on the account balance each day, so the daily interest accrual is updated at the end of each day by multiplying the current balance by one day to obtain the daily interest accrual. Step S201 is the basic data preparation stage for the entire interest calculation process.

[0034] Step S202: Divide the above-mentioned daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals, wherein each of the above-mentioned daily accumulation sub-lists corresponds one-to-one with the above-mentioned interest-bearing intervals, the above-mentioned interest-bearing rates are the same in each of the above-mentioned interest-bearing intervals, and the above-mentioned interest settlement period includes multiple consecutive above-mentioned interest-bearing intervals.

[0035] Specifically, the daily interest rate list obtained in step S201 is divided into multiple daily interest rate sub-lists based on different interest rates. Each daily interest rate sub-list represents an interest period with the same interest rate. This step ensures that interest calculations under the same interest rate are based on an accurate time period. The division of interest period is based on the interest rate change point, and the interest rate remains unchanged within each period.

[0036] Step S203: Based on the above-mentioned interest-bearing interval and its corresponding interest-bearing rate, a first mapping relationship is constructed, which reflects the relationship between the above-mentioned interest-bearing interval and its corresponding interest-bearing rate.

[0037] Specifically, the first mapping relationship is constructed to reflect the relationship between the interest-bearing interval and the corresponding interest-bearing rate. This is equivalent to creating an interest rate table, in which each interest-bearing interval is associated with a specific interest rate value. In fact, it is equivalent to creating a mapping relationship between the deposit period and the corresponding interest rate. The deposit period is the sum of the end time and the start time of the interest-bearing interval. Step S203 provides a clear interest rate basis for subsequent interest rate calculation.

[0038] Step S204: Based on the first mapping relationship and the daily product sublists of each of the above interest-bearing intervals, a second mapping relationship is constructed. The second mapping relationship reflects the relationship between the interest-bearing rate and the corresponding interest amount under each of the above interest-bearing intervals.

[0039] Specifically, based on the first mapping relationship constructed in step S203 and the daily product sublist of each interest-bearing interval, a second mapping relationship is further constructed. This step essentially maps the interest rate to the interest amount generated by that interest rate, forming an interest calculation model. In this model, each interest-bearing interval is associated with the interest amount calculated based on the interest rate of that interval.

[0040] Step S205: Determine the total interest amount of the account to be accrued within the corresponding interest settlement period based on the second mapping relationship described above.

[0041] Specifically, using the second mapping relationship constructed in step S204, the total interest of the account to be accrued over the entire interest accrual period can be calculated. This is achieved by summing the interest amounts for each interest accrual period, ensuring the accuracy and comprehensiveness of the final interest calculation.

[0042] This embodiment obtains detailed daily accrual information for a current account within a specific interest-bearing period, including account balance, accrued accrual, and interest rate. Based on this information, the interest-bearing period is subdivided into multiple sub-intervals with the same interest rate, and a two-layer mapping relationship is constructed: one layer maps the interest-bearing interval to the interest rate, ensuring interest rate consistency within each interval; the other layer maps the interest rate to the corresponding interest amount, calculating the interest amount under different interest rates. Through these mapping relationships, the interest amount for different interest rate intervals throughout the entire interest-bearing period can be calculated efficiently and accurately, ultimately determining the total interest for the account to be accrued, thereby improving the efficiency of interest calculation.

[0043] In the specific implementation process, the total interest amount of the account to be accrued in the corresponding interest settlement period is determined according to the second mapping relationship mentioned above, including: determining the interest amount under each of the above interest settlement intervals according to the second mapping relationship mentioned above; and determining the total interest amount of the account to be accrued in the corresponding interest settlement period based on the interest amount under each of the above interest settlement intervals.

[0044] Specifically, the second mapping relationship reflects the relationship between the interest rate and the corresponding interest amount under each interest-bearing interval. This means that for each interest rate segment, the specific interest amount generated within that segment can be calculated based on its specific interest rate and the corresponding daily interest sublist. After determining the interest amount under each interest-bearing interval, the next step is to summarize these amounts to calculate the total interest of the account for the entire interest-bearing period. The summation method is to add the interest amounts under all interest-bearing intervals. For example, if an interest-bearing period is divided into three different interest-bearing intervals, each interval generating interest of 100 yuan, 200 yuan, and 150 yuan respectively due to different interest rates, then the interest amounts for these three intervals will first be determined, and then these three amounts will be added together (100 + 200 + 150 = 450 yuan) to obtain the total interest of the account to be calculated for the entire interest-bearing period, which is 450 yuan.

[0045] This embodiment utilizes a constructed second mapping relationship. This mechanism automatically determines the specific interest amount generated under each interest-bearing interval, ensuring that even if the interest rate changes during the interest settlement period, the calculation of each interest payment is based on the effective interest rate at that time. Subsequently, the interest amounts under each interest-bearing interval are summarized to obtain the total interest for the entire interest settlement period. This method of calculating and summarizing interval by interval not only improves the accuracy of interest calculation but also greatly enhances calculation efficiency, avoiding the errors and complexities that may occur in traditional single-interest-rate calculation methods when facing interest rate fluctuations. It is particularly suitable for banks that need to handle a large number of accounts and frequent interest rate adjustments, effectively enhancing the transparency, accuracy, and customer trust of banking services while reducing operating costs.

[0046] In some embodiments of this application, dividing the above-mentioned daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals includes: grouping entries in the above-mentioned daily accumulation list that have the same interest rate into a group, and determining the interest-bearing interval based on the interest-bearing date in each group, thereby obtaining multiple daily accumulation sub-lists in different interest-bearing intervals.

[0047] Specifically, the process begins by examining each entry in the daily accrual list to identify entries with the same interest rate, indicating that the applicable interest rate for the account has remained unchanged over a certain period. After identifying entries with the same interest rate, the next step is to group them into different groups based on their interest accrual dates, determining the start and end dates of each group to form one or more interest accrual intervals. The division of interest accrual intervals is based on interest rate changes; that is, before an interest rate change, the daily accrual of the account balance is grouped into a sub-list of daily accrual for the same interest accrual interval. Ultimately, through these steps, the original daily accrual list is subdivided into multiple sub-lists of daily accrual, each corresponding to a specific interest accrual interval, within which interest is calculated based on the same interest rate. This division makes subsequent interest calculations more accurate and efficient because interest can be calculated independently for each stable interest rate segment without considering the complex changes in interest rates throughout the entire interest accrual period.

[0048] This embodiment segments the daily balance list by using the homogeneity of interest rates, forming multiple sub-lists of daily balances. This ensures that the account balances within each sub-list are calculated using the same interest rate. This method of segmenting by interest rate ranges greatly improves the accuracy and flexibility of interest calculation. Especially in a market environment where interest rates fluctuate frequently, it can effectively reduce errors while improving the processing efficiency of the banking system and the credibility of financial settlements.

[0049] In some embodiments of this application, before dividing the above-mentioned daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals, the above method further includes: sorting the above-mentioned daily accumulation list according to the chronological order of the above-mentioned interest-bearing dates.

[0050] Specifically, in a bank's current account management system, the daily balance list records the account balance and the interest rate for each interest accrual date. However, because this data accumulates continuously during daily operations, it may not be automatically arranged in chronological order. Therefore, sorting this data chronologically before analyzing and calculating interest is crucial. The obtained daily balance list is sorted to ensure that each record is arranged from earliest to latest according to its corresponding interest accrual date. Sorting algorithms (such as quicksort, mergesort, etc.) are used to process the daily balance list, with the sorting criterion being the timestamp of the interest accrual date, ensuring that each daily balance entry is strictly arranged in chronological order. After sorting, the results are verified to ensure there are no date errors and that each record follows the natural chronological order.

[0051] Only when the data is sorted by time can the points of interest rate change be correctly identified, thus defining different interest calculation intervals. Without sorting, data from different interest rate periods may be mistakenly mixed together, leading to confusion in interest calculation intervals and inaccurate interest calculations. The sorted list of daily interest figures provides clear input for subsequent interest calculations, simplifies data access and processing, and facilitates automation and efficient calculations. In short, this sorting step lays a solid foundation for accurately defining interest rate intervals and reasonably calculating interest amounts.

[0052] In some embodiments of this application, obtaining a daily accumulation list of a current account within an interest accrual period includes: obtaining information on the daily accounts to be accrued for interest within the aforementioned interest accrual period, wherein the information on the daily accounts to be accrued for interest includes the interest accrual date, the account balance, the accrued interest amount, and the interest rate; and constructing the daily accumulation list based on the information on the daily accounts to be accrued for interest within the aforementioned interest accrual period.

[0053] Specifically, the first step is to collect key daily information for the current account throughout the entire interest accrual period. Each daily entry contains four key elements: interest accrual date, account balance, interest accrual amount, and interest rate. The interest accrual date is the specific date the data is recorded, used to track the time of daily balance and interest rate changes. The account balance records the account's balance at the end of that interest accrual date, which is the basis for calculating the daily interest accrual amount. The interest accrual amount is calculated based on the product of the account balance and the number of interest-bearing days (usually one day), reflecting the interest effect accumulated over time. The interest rate is the interest rate applied to the account balance on that interest accrual date. After obtaining the above information, a daily accrual list is constructed using this information. This list contains data entries for each day of the interest accrual period, and each entry is a combination of the interest accrual date, account balance, interest accrual amount, and interest rate extracted from the daily account information.

[0054] The construction of the daily interest rate list ensures the integration of all key data, providing a data foundation for further processing and analysis. The constructed daily interest rate list is the original data source for subsequent interest rate range division, interest amount calculation, and total interest determination. In-depth analysis of the daily interest rate list allows for accurate identification of changes in the interest rate, thereby reasonably dividing the account balance into different interest rate ranges and ensuring that the calculation of each interest payment follows the applied interest rate.

[0055] In some embodiments of this application, after determining the total interest amount of the account to be accrued in the corresponding interest period according to the second mapping relationship, the method further includes: calculating the sum of the interest amounts of the other interest periods in the corresponding interest period except for the last interest period to obtain a first interest amount; and subtracting the first interest amount from the total interest amount to obtain the interest amount of the last interest period in the corresponding interest period.

[0056] Specifically, this embodiment aims to improve the accuracy of the calculation process, particularly in determining the interest amount for the last interest-bearing interval. In previous steps, the total interest for the account to be charged within the corresponding interest period was determined through a second mapping relationship. However, since the values ​​involved in interest calculation can be very precise, even rounded to multiple decimal places, rounding is typically performed in a specific step to ensure the final result presented to the customer is both accurate and reasonable. This step occurs when determining the interest amount for the last interest-bearing interval. First, the sum of the interest amounts for all other interest-bearing intervals except the last one is calculated to obtain the first interest amount. This calculation involves accumulating the interest amounts from multiple interest-bearing intervals, and each interest amount may retain multiple decimal places during calculation. Then, the first interest amount is subtracted from the total interest for the entire interest period to obtain the interest amount for the last interest-bearing interval. This calculation may also result in multiple decimal places.

[0057] To ensure the accuracy of the final result and the reasonableness of its presentation, the interest amount for the last interest period is rounded, typically to two decimal places. This is because in financial transactions, interest is usually displayed in yuan or the more common two decimal places; too many digits are not only difficult to understand but may also violate industry standards. The key point here is that, through the preceding steps, we have ensured that the calculation of the first interest amount and the total interest amount is based on accurate raw data and calculation rules. Therefore, even after rounding, the interest amount for the last interest period still accurately reflects the financial situation of that period, and the consistency between the total interest amount and the sum of the interest amounts for each interest period is maintained, avoiding cumulative errors caused by rounding.

[0058] This embodiment first calculates the sum of interest amounts for all interest intervals except the last one (the first interest amount) throughout the entire interest calculation period, and then subtracts this amount from the total interest amount, thus accurately determining the interest contribution of the last interest-bearing interval. This method not only ensures the completeness of interest calculation and avoids the accumulation of errors that may be caused by handling decimal places, but also simplifies how customers understand the interest allocation of their accounts under different interest rate conditions, enhancing service transparency. Ultimately, the accurate calculation of the interest amount for each interest rate interval, including the last interval, ensures the accuracy of financial settlement and a clear understanding of the bank's interest calculation rules for customers, improving overall customer satisfaction and the bank's operational efficiency.

[0059] In some embodiments of this application, after determining the total interest amount of the account to be accrued in the corresponding interest settlement period according to the second mapping relationship described above, the method further includes: storing segmented interest lists for different interest settlement intervals within the corresponding interest settlement period, each segmented interest list including the start date, end date, interest rate, interest amount, and sum of interest accumulation for the corresponding interest settlement interval; and storing an interest registration table for the entire corresponding interest settlement period, the interest registration table including the start date and end date of the entire corresponding interest settlement period, and the sum of interest accumulation for each of the aforementioned interest accumulations.

[0060] This embodiment illustrates how to store and record detailed information about interest calculations after calculating the total interest for the entire interest-bearing period of the account to be accrued, ensuring data integrity and traceability. Specifically, the first step is the storage of segmented interest lists. For each different interest-bearing interval within the interest-bearing period, a segmented interest list is created and stored. Each segmented interest list details the start and end dates of that interest-bearing interval, the applicable interest rate, the sum of the interest-bearing products for that interval, and the calculated interest amount. This information not only provides a basis for internal bank management but also facilitates the rapid provision of detailed interest rate application and calculation proof in case of customer inquiries or disputes, enhancing service transparency and customer trust.

[0061] In addition to segmented interest statements, a complete interest register must also be stored, which outlines the interest calculations for the entire interest settlement period. The interest register includes the start and end dates of the interest settlement period, as well as the sum of all accrued interest within that period—that is, the total interest base calculated based on the daily account balance. The interest register provides an overview of interest calculations within the interest settlement period, aiding the bank in verifying financial settlements and offering customers a macro-level perspective on the accrual of interest on their accounts throughout the entire period.

[0062] The aforementioned storage mechanism ensures that detailed data for each interest calculation process is properly recorded, facilitating subsequent auditing, retrieval, and dispute resolution. Simultaneously, these records provide customers with a clear path to interest calculation, enhancing the transparency of financial services and user satisfaction. This meticulous data management approach is a key component of modern banking services and financial management, contributing to improved overall operational efficiency and customer trust.

[0063] To enable those skilled in the art to better understand the technical solution of this application, the implementation process of the interest calculation method of this application will be described in detail below with reference to specific embodiments.

[0064] This embodiment relates to a specific interest calculation method. Background: Assume a unit settlement account experienced the following changes in interest rates during the interest settlement period from January 1, 2023 to March 31, 2023: From January 1 to January 31, the interest rate was 1.5%; from February 1 to February 28, the interest rate was adjusted to 1.6%; and from March 1 to March 31, the interest rate was adjusted again to 1.7%. In the above example, it was identified that the interest rate was adjusted from 1.5% to 1.6% after January 31, and then adjusted back to 1.7% after February 28. The interest calculation method of this embodiment is as follows... Figure 3 As shown, it includes the following steps:

[0065] Step S1: Obtain the daily accumulated amount list within the current account interest settlement period.

[0066] Before the daily cut-off date, the system automatically collects and stores the account balance, accrued interest, interest rate for the day, and interest calculation date. For example, on January 1st, the account balance is 10,000 yuan, the accrued interest is 10,000 yuan, and the interest rate is 1.5%.

[0067] Step S2: Sort the daily accumulated amount list from chronological order. That is, sort the obtained daily accumulated amount list from the earliest to the latest interest accrual date.

[0068] Step S3: Based on the interest rates of the sorted daily accumulation list, the interest rates within a settlement period are stratified to obtain multiple daily accumulation sub-lists, and a mapping table between the deposit period and its corresponding interest rate is established.

[0069] Based on the daily accumulation sublist, different interest rate ranges were identified, namely 1.5%, 1.6%, and 1.7%, and a mapping relationship (first mapping relationship) between these interest rates and the deposit period was established. The established mapping relationship table is shown in Table 1.

[0070] Table 1 First Mapping Relationship Table

[0071]

[0072] Step S4: Establish a segmented interest calculation model (second mapping relationship) based on the first mapping relationship and the daily accumulated number sublist.

[0073] Step S5: Calculate the interest amount for different interest periods of the account to be accrued, and then calculate the total interest of the account to be accrued in the corresponding interest settlement period.

[0074] First, calculate the interest amount for different interest calculation intervals. Input the sorted daily interest amount information within the interest settlement period into the segmented interest calculation model to calculate the interest amount for the 1.5%, 1.6%, and 1.7% interest rate intervals respectively. For example, assume the interest amount for the 1.5% interest rate interval is 150 yuan and the interest amount for the 1.6% interest rate interval is 160 yuan. Then, based on the second mapping relationship, determine the total interest amount for the entire interest settlement period (assumed to be 480 yuan).

[0075] Step S6: The interest amount for the last interest period within the interest settlement period is equal to the total interest for the interest settlement period minus the first interest amount, where the first interest amount is the sum of the interest amounts for all interest periods except the last one.

[0076] In this embodiment, the first interest period is from January 1, 2023 to January 31, 2023, with an applied interest rate of 1.5%; the second interest period is from February 1, 2023 to February 28, 2023, with the interest rate adjusted to 1.6%; and the third interest period (the last interest period) is from March 1, 2023 to March 31, 2023, with the interest rate further adjusted to 1.7%.

[0077] To better illustrate this, we'll simplify the daily account balance to a fixed value for easier calculation. Assume the daily account balances are as follows: average daily balance for the first interest-bearing period is 100,000 yuan; average daily balance for the second interest-bearing period is 120,000 yuan; and average daily balance for the third interest-bearing period is 150,000 yuan.

[0078] First, calculate the interest for each interest period. Considering the different number of days in each month (31 days in January, 28 days in February, and 31 days in March), calculate the interest for each month separately:

[0079] Interest for the first interest period (1 month) = 100000 × (1.5% ÷ 365) × 31 ≈ 126.58 yuan (calculated based on the average daily interest for 365 days in a year, then multiplied by 31 days).

[0080] Interest for the second interest period (February) = 120000 × (1.6% ÷ 365) × 28 ≈ 60.27 yuan;

[0081] Interest is calculated using simple interest, and the result is rounded to two decimal places according to the rounding principle.

[0082] Next, determine the first interest amount. The first interest amount is the sum of the interest for the first two months: 126.58 + 60.27 = 186.85 yuan. Assuming the total interest for the entire interest period (3 months) is calculated to be 586.85 yuan, the interest amount for the last interest period can be calculated as: 586.85 - 186.85 = 400.00 yuan. However, the direct calculation result may be more complex, for example, 400.00075 yuan. According to the rounding principle, this result will be adjusted to 400.00 yuan to ensure the simplicity and readability of the final result.

[0083] By first calculating and summing the interest amounts for all periods except the last one (the first interest amount), and then subtracting the first interest amount from the total interest for the entire period, the exact interest amount allocated to the last interest period is determined. This method effectively solves the accuracy problem of segmented interest calculation across multiple interest rate periods, ensuring consistency and accuracy in interest calculation throughout the entire interest settlement period. Rounding to two decimal places improves the readability and user understanding of the interest calculation, reducing confusion and errors in financial data processing. Rounding ensures that the interest amount calculation for the last interest period is both accurate and easy to understand and present, avoiding the complexity of excessive decimal places, while also ensuring consistency between the total interest amount and the sum of the interest amounts for each segment, improving the accuracy and reliability of financial statements. For bank customers, this approach means they can clearly see how their accounts are calculated at different interest rates, increasing service transparency and reducing customer confusion about the interest calculation mechanism. For banks, it simplifies the internal financial settlement process and improves work efficiency.

[0084] Step S7: Store the segmented interest list (including start date, end date, interest rate, and interest amount) for different interest periods within the interest settlement period and the interest registration form for the entire interest settlement period.

[0085] Store segmented interest statements, including the start date, end date, interest rate, and interest amount for each interest rate segment (1.5%, 1.6%, and 1.7%). Store the interest register for the entire interest settlement period, including the start date of the interest settlement period, January 1, 2023, the end date, March 31, 2023, the sum of the interest accruals for each interest segment, and the final total interest.

[0086] Through the steps described above, the calculation and recording of interest for corporate settlement accounts within different interest rate ranges during the interest settlement period are explained in detail. This segmented interest calculation method not only improves efficiency and reduces daily repetitive calculations, but also ensures that banks accurately record every interest payment when interest rates change, while providing customers with clear interest calculation details, enhancing service transparency and customer satisfaction.

[0087] This application also provides an interest calculation device. It should be noted that the interest calculation device of this application can be used to execute the interest calculation method provided in this application. This device is used to implement the above embodiments and preferred embodiments; details already described will not be repeated. As used below, the term "module" can refer to a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0088] The following describes the interest calculation device provided in the embodiments of this application.

[0089] Figure 4 This is a schematic diagram of an interest calculation device according to an embodiment of this application. Figure 4 As shown, the device includes an acquisition unit 41, a division unit 42, a first construction unit 43, a second construction unit 44, and a determination unit 45. The acquisition unit is used to acquire a list of daily accumulated amounts for a current account within an interest accrual period. This list includes multiple interest accrual dates, and the account balance, accumulated amount, and interest rate for each interest accrual date. The division unit is used to divide the daily accumulated amount list into multiple sub-lists of daily accumulated amounts within different interest accrual intervals. Each sub-list of daily accumulated amounts corresponds one-to-one with an interest accrual interval, and the interest rate is the same for each interval. The interest accrual period includes multiple consecutive interest accrual intervals. The first construction unit is used to construct a first mapping relationship based on the interest accrual intervals and their corresponding interest rates. This first mapping relationship reflects the relationship between the interest accrual intervals and their corresponding interest rates. The second construction unit is used to construct a second mapping relationship based on the first mapping relationship and each sub-list of daily accumulated amounts for each interest accrual interval. This second mapping relationship reflects the relationship between the interest rate and the corresponding interest amount within each interest accrual interval. The determination unit is used to determine the total interest amount of the account to be accrued within the corresponding interest accrual period based on the second mapping relationship.

[0090] This embodiment obtains detailed daily accrual information for a current account within a specific interest-bearing period, including account balance, accrued accrual, and interest rate. Based on this information, the interest-bearing period is subdivided into multiple sub-intervals with the same interest rate, and a two-layer mapping relationship is constructed: one layer maps the interest-bearing interval to the interest rate, ensuring interest rate consistency within each interval; the other layer maps the interest rate to the corresponding interest amount, calculating the interest amount under different interest rates. Through these mapping relationships, the interest amount for different interest rate intervals throughout the entire interest-bearing period can be calculated efficiently and accurately, ultimately determining the total interest for the account to be accrued, thereby improving the efficiency of interest calculation.

[0091] In the specific implementation process, the aforementioned determining unit includes a first determining module and a second determining module. The first determining module is used to determine the interest amount under each of the aforementioned interest-bearing intervals according to the aforementioned second mapping relationship; the second determining module is used to determine the total interest of the aforementioned account to be accrued within the corresponding interest settlement period based on the interest amount under each of the aforementioned interest-bearing intervals.

[0092] This embodiment utilizes a constructed second mapping relationship. This mechanism automatically determines the specific interest amount generated under each interest-bearing interval, ensuring that even if the interest rate changes during the interest settlement period, the calculation of each interest payment is based on the effective interest rate at that time. Subsequently, the interest amounts under each interest-bearing interval are summarized to obtain the total interest for the entire interest settlement period. This method of calculating and summarizing interval by interval not only improves the accuracy of interest calculation but also greatly enhances calculation efficiency, avoiding the errors and complexities that may occur in traditional single-interest-rate calculation methods when facing interest rate fluctuations. It is particularly suitable for banks that need to handle a large number of accounts and frequent interest rate adjustments, effectively enhancing the transparency, accuracy, and customer trust of banking services while reducing operating costs.

[0093] In some embodiments of this application, the division unit includes a division module, which is used to divide entries in the daily accumulation number list that have the same interest rate into a group, and determine the interest period based on the interest period in each group to obtain multiple daily accumulation number sub-lists that are in different interest period.

[0094] This embodiment segments the daily balance list by using the homogeneity of interest rates, forming multiple sub-lists of daily balances. This ensures that the account balances within each sub-list are calculated using the same interest rate. This method of segmenting by interest rate ranges greatly improves the accuracy and flexibility of interest calculation. Especially in a market environment where interest rates fluctuate frequently, it can effectively reduce errors while improving the processing efficiency of the banking system and the credibility of financial settlements.

[0095] In some embodiments of this application, the above-mentioned apparatus further includes a sorting unit for sorting the daily accumulation list according to the chronological order of the interest calculation dates before dividing the daily accumulation list into multiple daily accumulation sub-lists in different interest calculation intervals.

[0096] Only when the data is sorted by time can the points of interest rate change be correctly identified, thus defining different interest calculation intervals. Without sorting, data from different interest rate periods may be mistakenly mixed together, leading to confusion in interest calculation intervals and inaccurate interest calculations. The sorted list of daily interest figures provides clear input for subsequent interest calculations, simplifies data access and processing, and facilitates automation and efficient calculations. In short, this sorting step lays a solid foundation for accurately defining interest rate intervals and reasonably calculating interest amounts.

[0097] In some embodiments of this application, the acquisition unit includes an acquisition module and a construction module. The acquisition module is used to acquire information about the daily interest-bearing account within a given interest accrual period. The information about the daily interest-bearing account includes the interest accrual date, the account balance, the interest accrual amount, and the interest rate. The construction module is used to construct the daily interest accrual list based on the information about the daily interest-bearing account within a given interest accrual period.

[0098] The construction of the daily interest rate list ensures the integration of all key data, providing a data foundation for further processing and analysis. The constructed daily interest rate list is the original data source for subsequent interest rate range division, interest amount calculation, and total interest determination. In-depth analysis of the daily interest rate list allows for accurate identification of changes in the interest rate, thereby reasonably dividing the account balance into different interest rate ranges and ensuring that the calculation of each interest payment follows the applied interest rate.

[0099] In some embodiments of this application, the above-described apparatus further includes a first calculation unit and a second calculation unit. The first calculation unit is used to calculate the sum of the interest amounts of the interest-bearing account within the corresponding interest period, excluding the last interest period, after determining the total interest amount of the account to be accrued within the corresponding interest period according to the second mapping relationship, to obtain a first interest amount; the second calculation unit is used to subtract the first interest amount from the total interest amount to obtain the interest amount of the last interest period within the corresponding interest period.

[0100] This embodiment first calculates the sum of interest amounts for all interest intervals except the last one (the first interest amount) throughout the entire interest calculation period, and then subtracts this amount from the total interest amount, thus accurately determining the interest contribution of the last interest-bearing interval. This method not only ensures the completeness of interest calculation and avoids the accumulation of errors that may be caused by handling decimal places, but also simplifies how customers understand the interest allocation of their accounts under different interest rate conditions, enhancing service transparency. Ultimately, the accurate calculation of the interest amount for each interest rate interval, including the last interval, ensures the accuracy of financial settlement and a clear understanding of the bank's interest calculation rules for customers, improving overall customer satisfaction and the bank's operational efficiency.

[0101] In some embodiments of this application, the above-described apparatus further includes a first storage unit and a second storage unit. The first storage unit is used to store, after determining the total interest amount of the account to be accrued within the corresponding interest period according to the second mapping relationship, a segmented interest list for different interest periods within the corresponding interest period. Each segmented interest list includes the start date, end date, interest rate, and interest amount for the corresponding interest period. The second storage unit is used to store an interest register for the entire corresponding interest period. The interest register includes the start date and end date of the entire corresponding interest period, and the sum of all interest accruals.

[0102] The aforementioned storage mechanism ensures that detailed data for each interest calculation process is properly recorded, facilitating subsequent auditing, retrieval, and dispute resolution. Simultaneously, these records provide customers with a clear path to interest calculation, enhancing the transparency of financial services and user satisfaction. This meticulous data management approach is a key component of modern banking services and financial management, contributing to improved overall operational efficiency and customer trust.

[0103] The aforementioned interest calculation device includes a processor and a memory. The acquisition unit, partitioning unit, first construction unit, second construction unit, and determination unit are all stored as program units in the memory. The processor executes the program units stored in the memory to achieve the corresponding functions. All of the above modules are located in the same processor; or, the above modules are located in different processors in any combination.

[0104] The memory may include non-permanent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0105] This invention provides a computer-readable storage medium including a stored program, wherein the program, when running, controls the device containing the computer-readable storage medium to execute the interest calculation method.

[0106] This invention provides a processor for running a program, wherein the program executes the interest calculation method.

[0107] This invention provides a device including a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, it implements the steps of the above-described interest calculation method. The device described herein can be a server, PC, PAD, mobile phone, etc.

[0108] This application also provides a computer program product that, when executed on a data processing device, is adapted to perform the steps of initializing the above-described interest calculation method.

[0109] It is obvious to those skilled in the art that the modules or steps of the present invention described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. They can be implemented using computer-executable program code, and thus can be stored in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those described herein, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, the present invention is not limited to any particular combination of hardware and software.

[0110] 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.

[0111] 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 1 A device that provides the functions specified in one or more boxes.

[0112] 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.

[0113] 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.

[0114] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0115] Memory may include non-persistent memory in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0116] Computer-readable media include both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0117] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0118] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0119] The above description is merely a preferred embodiment of this application and is not intended to limit this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. An interest calculation method, characterized in that, include: Obtain a list of daily accumulated points for a current account within an interest settlement period. The list of daily accumulated points includes multiple interest settlement dates, and the account balance, accumulated points, and interest rate for each interest settlement date. The daily accumulation list is divided into multiple daily accumulation sub-lists in different interest-bearing intervals, wherein each daily accumulation sub-list corresponds one-to-one with the interest-bearing interval, the interest rate of each interest-bearing interval is the same, and the interest settlement period includes multiple consecutive interest-bearing intervals. Based on the interest-bearing interval and its corresponding interest-bearing rate, a first mapping relationship is constructed, which reflects the relationship between the interest-bearing interval and its corresponding interest-bearing rate; Based on the first mapping relationship and the daily accumulation sublists of each interest-bearing interval, a second mapping relationship is constructed. The second mapping relationship reflects the relationship between the interest-bearing rate and the corresponding interest amount under each interest-bearing interval. The total interest amount of the account to be accrued in the corresponding interest settlement period is determined based on the second mapping relationship.

2. The method according to claim 1, characterized in that, The total interest amount of the account to be accrued in the corresponding interest settlement period is determined according to the second mapping relationship, including: The interest amount for each interest-bearing interval is determined according to the second mapping relationship; Based on the interest amount under each of the aforementioned interest accrual intervals, the total interest amount of the account to be accrued within the corresponding interest settlement period is determined.

3. The method according to claim 1, characterized in that, The daily accumulation list is divided into multiple daily accumulation sub-lists located in different interest calculation intervals, including: Entries in the daily accumulation list that have the same interest rate are grouped together, and the interest period is determined based on the interest period date within each group, resulting in multiple daily accumulation sub-lists that are in different interest period intervals.

4. The method according to claim 1, characterized in that, Before dividing the daily accumulation list into multiple daily accumulation sub-lists located in different interest-bearing intervals, the method further includes: The daily accumulation list is sorted according to the chronological order of the interest accrual dates.

5. The method according to claim 1, characterized in that, Retrieve a list of daily accumulated balances for a current account within a single interest accrual period, including: Obtain information about the account to be accrued for each day within the interest accrual period, wherein the information about the account to be accrued for each day includes the interest accrual date, the account balance, the accrued interest amount, and the interest rate; The daily accumulation list is constructed based on the information of the accounts to be accrued for each day within the interest accrual period.

6. The method according to claim 1, characterized in that, After determining the total interest amount of the account to be accrued in the corresponding interest settlement period based on the second mapping relationship, the method further includes: The sum of the interest amounts for all interest periods within the corresponding interest period, excluding the last interest period, is calculated to obtain the first interest amount; Subtracting the first interest amount from the total interest amount yields the interest amount for the last interest period within the corresponding interest settlement cycle.

7. The method according to claim 1, characterized in that, After determining the total interest amount of the account to be accrued in the corresponding interest settlement period based on the second mapping relationship, the method further includes: Store the segmented interest lists for different interest-bearing intervals within the corresponding interest-bearing period. Each segmented interest list includes the start date, end date, interest rate, interest amount, and the sum of the interest-bearing accruals for the corresponding interest-bearing interval. An interest register is stored for the entire corresponding interest settlement period. The interest register includes the start date and end date of the entire corresponding interest settlement period, as well as the sum of the interest accruals.

8. An interest calculation device, characterized in that, include: The acquisition unit is used to acquire a list of daily accumulated points of a current account within an interest settlement period. The list of daily accumulated points includes multiple interest settlement dates, and the account balance, accumulated points, and interest rate for each interest settlement date. A division unit is used to divide the daily accumulation list into multiple daily accumulation sub-lists in different interest-bearing intervals, wherein each daily accumulation sub-list corresponds one-to-one with the interest-bearing interval, the interest-bearing rate is the same in each interest-bearing interval, and the interest settlement period includes multiple consecutive interest-bearing intervals. The first construction unit is used to construct a first mapping relationship based on the interest-bearing interval and its corresponding interest-bearing rate, wherein the first mapping relationship reflects the relationship between the interest-bearing interval and its corresponding interest-bearing rate; The second construction unit is used to construct a second mapping relationship based on the first mapping relationship and the daily product sublists of each of the interest-bearing intervals. The second mapping relationship reflects the relationship between the interest-bearing rate and the corresponding interest amount under each of the interest-bearing intervals. The determining unit is used to determine the total interest amount of the account to be accrued in the corresponding interest settlement period based on the second mapping relationship.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein, when the program is executed, it controls the device on which the computer-readable storage medium is located to perform the interest calculation method according to any one of claims 1 to 7.

10. An electronic device, characterized in that, include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including methods for performing the interest calculation method according to any one of claims 1 to 7.

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