Bidding deposit interest distribution method, device, storage medium and system

Abstract

This application provides a method, device, storage medium, and system for allocating interest on bidding deposits, relating to the field of financial technology. The method establishes a binding relationship between bidding orders and deposit accounts, opens accounts, and uses a message queue to push transaction information containing account identifiers, bidders, and amounts in real time. Based on the information in this queue, each deposit transaction is accurately associated with the corresponding bidding order according to the account identifier, and its deposit information is updated. When a refund is required, the interest generated by each transaction is calculated based on this ledger, and the total interest due to each bidder is summed to determine the final refund amount including principal and interest. This method achieves precise and granular accounting for each fund in the bidding deposit pool from deposit to withdrawal throughout its entire lifecycle, avoiding interest mismatch and profit loss due to technical limitations.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to a method, device, storage medium and system for allocating interest on bidding deposits. Background Technology

[0002] The calculation and allocation of interest on bid security deposits is a crucial step in the bidding process, widely used in procurement, engineering construction, and service outsourcing. During the bidding process, the tendering party must open a unified bid security deposit account, and bidders deposit their bid security deposits into this account according to the requirements of the tender announcement, ensuring the standardization of bidding activities.

[0003] The bidding phase typically lasts for a period of time, during which the bid security deposit accrues interest after being deposited into a bank account. According to financial regulations, this interest should belong to the bidder who actually makes the payment. However, in practice, due to technological limitations, tendering parties often cannot accurately track the timing, amount, and corresponding interest allocation of each bid security deposit, leading to significant unfairness in interest distribution. For example, some bidders lose interest income due to early deposits, while those who delay deposits gain additional benefits due to unreasonable interest allocation rules.

[0004] Therefore, there is an urgent need for a method for allocating deposit interest that ensures fair distribution of deposit interest while reducing the management complexity for the tendering party. Summary of the Invention

[0005] To address the problems in the prior art, this application provides a method, device, storage medium, and system for allocating interest on bid security deposits.

[0006] Firstly, this application provides a method for allocating interest on bid security deposits, the method comprising:

[0007] Generate bidding orders and establish the correspondence between the bidding orders and the bid security accounts;

[0008] The margin account is created according to the opening instruction, and the transaction information of the margin account is pushed in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier, and the transaction amount.

[0009] Based on the margin account corresponding to the transaction information in the message queue, determine the bidding order corresponding to the transaction information, and update the deposit information corresponding to the bidding order;

[0010] In response to the refund instruction, based on the deposit information, the first interest corresponding to each transaction is determined, and based on the first interest corresponding to each transaction, the refund amount corresponding to each bidder is determined.

[0011] In one possible implementation, determining the bidding order corresponding to the transaction information based on the margin account corresponding to the transaction information in the message queue, and updating the deposit information corresponding to the bidding order, includes:

[0012] Consume the transaction information in the message queue and determine the corresponding bidding order based on the identifier of the margin account in the transaction information;

[0013] Based on the transaction information and the relationship between the transaction information and the bidding order, the transaction information is updated and stored in the deposit information corresponding to the bidding order.

[0014] In one possible implementation, the method further includes:

[0015] Based on the transaction information and the corresponding bidding order, a data block for evidence storage is generated. The data block for evidence storage includes the identifier of the bidding order and the transaction information.

[0016] The evidence storage data blocks are submitted to the blockchain network for consensus and storage, so that each transaction information generates a corresponding immutable blockchain evidence.

[0017] In one possible implementation, determining the first interest corresponding to each transaction based on the deposit information, and determining the refund amount for each bidder based on the first interest corresponding to each transaction, includes:

[0018] Determine the total interest result corresponding to the margin account;

[0019] Based on the identifier of the bidding order and the identifier of the bidder, at least one transaction information corresponding to the bidder identifier is determined from the deposit information;

[0020] Determine the sub-interest calculation result corresponding to each transaction information, wherein the sub-interest calculation result is used to indicate the first interest corresponding to the transaction amount in the transaction information;

[0021] The total interest result and the sub-interest result are verified and checked to determine the refund amount for each bidder.

[0022] In one possible implementation, the method further includes:

[0023] The deposit information corresponding to the bidding order is input into the pre-trained prediction model to obtain the prediction result output by the prediction model; wherein, the prediction result includes the peak deposit time point in the future period and / or the predicted cumulative deposit amount range, and the prediction model is trained based on the time series feature set constructed based on historical bidding orders and corresponding historical deposit information, and the time series feature set is used to indicate the time series feature set of bidder behavior characteristics.

[0024] Based on the predicted results, interest is pre-calculated.

[0025] In one possible implementation, the calculation, based on the prediction result, performs interest pre-calculation, including:

[0026] Based on the peak deposit time points in the prediction results, a simulated interest calculation time window is determined, and the simulated interest calculation time window is located before the peak deposit time points;

[0027] Within the simulated interest calculation time window, based on the predicted cumulative deposit amount range, the intermediate results of the pre-calculated interest corresponding to the future predicted deposit information are simulated and generated.

[0028] In one possible implementation, the refund amount for each bidder is determined, including:

[0029] When processing the refund instruction, a target pre-calculated interest intermediate result similar to the current deposit information is determined based on the pre-calculated interest intermediate result.

[0030] Based on the intermediate result of the target pre-calculated interest and the current deposit information, the interest calculation is adjusted to determine the sub-interest calculation result corresponding to each transaction information in the current deposit information;

[0031] Based on the total interest result corresponding to the margin account and the sub-interest result, the refund amount for each bidder is determined; the total interest result is determined based on the total amount corresponding to the margin account.

[0032] Secondly, this application provides a bidding deposit interest distribution system, the system comprising: an order module, an account activity monitoring module, an interest calculation module, and a deposit management module;

[0033] The order module is used to generate bidding orders and establish the correspondence between the bidding orders and the margin accounts;

[0034] The margin management module is used to create the margin account according to the opening instruction of the order module, and push the transaction information of the margin account in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier and the transaction amount.

[0035] The transaction monitoring module is used to determine the bidding order corresponding to the transaction information based on the margin account corresponding to the transaction information in the message queue, and update the deposit information corresponding to the bidding order.

[0036] The interest calculation module is used to respond to a refund instruction, determine the first interest corresponding to each transaction based on the deposit information, and determine the refund amount corresponding to each bidder based on the first interest corresponding to each transaction.

[0037] Thirdly, this application provides an electronic device, comprising: at least one processor and a memory; wherein,

[0038] The memory stores computer-executed instructions;

[0039] The at least one processor executes computer execution instructions stored in the memory, causing the at least one processor to perform the method as described in the first aspect.

[0040] Fourthly, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the method described in the first aspect.

[0041] The bidding deposit interest allocation method, equipment, storage medium, and system provided in this application establish a binding relationship between bidding orders and deposit accounts. Further, accounts are opened, and transaction information including account identifiers, bidders, and amounts is pushed in real time using a message queue. Based on the information in this queue, each deposit transaction is precisely linked to the corresponding bidding order according to the account identifier, and its deposit information is updated, thus forming a complete transaction record recording the deposit time, amount, and corresponding bidder for each fund. When a refund is required, the interest generated by each transaction is calculated based on this ledger, and the total interest due to each bidder is summarized, ultimately determining the refund amount including principal and interest. This method achieves precise and granular accounting for each fund in the bidding deposit pool from deposit to withdrawal throughout its entire lifecycle, ensuring that interest income is fairly and accurately attributed to the actual paying bidders, and avoiding interest mismatch and profit loss due to technical limitations. Attached Figure Description

[0042] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0043] Figure 1 The flowchart of the method for allocating interest on bid security deposits provided in the embodiments of this application Figure 1 ;

[0044] Figure 2 The flowchart of the method for allocating interest on bid security deposits provided in the embodiments of this application Figure 2 ;

[0045] Figure 3 A structural diagram of the bidding deposit interest distribution system provided in this application embodiment;

[0046] Figure 4 This is a hardware schematic diagram of an electronic device provided in an embodiment of the present invention.

[0047] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0048] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0049] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0050] It should be noted that the bidding deposit interest allocation method, equipment, storage medium and system provided in this application can be used in the financial technology field, or in any field other than the financial technology field. The application field of the bidding deposit interest allocation method, equipment, storage medium and system in this application is not limited.

[0051] It should be noted that this application applies to various bidding scenarios, specifically involving the collaborative management of the tendering party, the bidder, and the bank.

[0052] In the existing technology, if the interest belongs to the tendering party, the bidder will suffer economic losses because it does not actually receive the interest; if the interest is distributed equally, it cannot reflect the difference in the time and amount of the bidder's deposit behavior (for example, those who deposit in advance should receive more interest because the funds are tied up for a longer period of time, but under the equal distribution model, they will lose benefits because they deposited later).

[0053] Furthermore, if the "one person, one account" model is adopted, the tendering party needs to open a large number of bid security accounts and manage the interest calculation for each account, significantly increasing workload and audit risk. In bidding scenarios, differences in the time of deposit by bidders (such as depositing on day 1 versus day 30) directly lead to differences in interest income, but existing technology lacks a mechanism to dynamically link deposit behavior with interest calculation, resulting in damage to the rights and interests of bidders or an increased management burden on the tendering party.

[0054] To address the problems in existing technologies, this application provides a bidding deposit interest allocation system. This system establishes a binding relationship between bidding orders and deposit accounts through an order module. The deposit management module is responsible for account opening and uses a message queue to push transaction information containing account identifiers, bidders, and amounts in real time. The transaction monitoring module listens to this queue, accurately associates each deposit transaction with the corresponding bidding order based on the account identifier, and updates its deposit information, thereby forming a complete transaction record that records the deposit time, amount, and bidder of each transaction. When a refund is required, the interest calculation module calculates the interest generated by each transaction based on this ledger, sums up the total interest due to each bidder, and finally determines the refund amount including principal and interest.

[0055] This system enables precise and granular accounting of every fund in the bidding security deposit pool throughout its entire lifecycle, from deposit to withdrawal. By automatically capturing and binding the deposit time of each transaction through dynamic monitoring, the system ensures that interest calculations are strictly based on the actual duration of fund usage. This guarantees that interest income is fairly and accurately attributed to the bidders who actually make the payments, avoiding interest mismatches and losses due to technical limitations.

[0056] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0057] Figure 1 The flowchart of the method for allocating interest on bid security deposits provided in the embodiments of this application Figure 1 .like Figure 1 As shown:

[0058] S101. Generate bidding orders and establish the correspondence between bidding orders and margin accounts.

[0059] It should be noted that a bidding order refers to a specific instance of a bidding project initiated by the bidding party in the system, including metadata such as project number, name, bidding entity, and time requirements. A bid security account refers to a bank account or virtual sub-account specifically opened for this bidding process to collect bid security deposits from all bidders.

[0060] For example, a bidding order table and a margin account table can be created. When an order is created, a record is inserted into the order table, and the bank interface is simultaneously called to open the entity account. Subsequently, a foreign key relationship is established between the two tables in the database, or the corresponding relationship is written into an order-account mapping table. All subsequent queries are completed through database joins.

[0061] For example, an independent microservice can also be used to open an account via synchronous or asynchronous messages after receiving a creation instruction. Once the account is successfully opened, the order service writes it, along with the identifier of the bidding order, into its own domain database. Simultaneously, this mapping can be published to a shared configuration center or cache for efficient querying.

[0062] S102. Create a margin account according to the opening instruction, and push the transaction information of the margin account in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier and the transaction amount.

[0063] It should be noted that transaction information refers to every deposit record in the margin account. A message queue is an asynchronous communication mechanism used to reliably transmit events or data between different systems or modules.

[0064] For example, after receiving the account opening instruction, the bank's interface can be directly invoked to complete the account opening. Simultaneously, the physical creation of the margin account is completed by invoking the bank's account opening interface. When the bank system notifies the account of incoming funds, the original bank notification is converted into transaction information in the system's internal standard format and delivered as a message to the designated message queue topic.

[0065] For example, a sub-account can be virtualized and managed for each bidding order based on a master account. Upon receiving an opening instruction, a virtual sub-account record is initialized in its accounting subsystem. When funds enter the master account and are marked as such by the bank reconciliation file or payment platform callback, transaction information is generated based on the reconciliation results and actively pushed to the message queue.

[0066] S103. Based on the margin account corresponding to the transaction information in the message queue, determine the bidding order corresponding to the transaction information and update the deposit information corresponding to the bidding order.

[0067] For example, each time a message queue consumer retrieves a transaction message, it immediately calls the query interface, passing in the margin account identifier from the transaction message to obtain the corresponding bidding order identifier. Subsequently, this transaction message (bidder identifier, transaction amount, and arrival time) is inserted as a new record into the deposit information database table associated with the bidding order number.

[0068] For example, transaction information accumulated over a period of time can also be periodically retrieved in batches from the message queue. A single batch query retrieves the mapping relationship between the margin accounts involved in all these transactions and the bidding orders. Then, the program iterates through this data, writing each transaction record along with its corresponding bidding order identifier into the deposit information database table in batches.

[0069] S104. In response to the refund instruction, determine the first interest corresponding to each transaction based on the deposit information, and determine the refund amount corresponding to each bidder based on the first interest corresponding to each transaction.

[0070] It should be noted that the first interest refers to the interest accrued up to the interest calculation date, calculated based on the transaction amount and deposit date of each individual transaction in the deposit information. The refund amount refers to the total amount to be refunded to the bidder, calculated by adding the sum of the transaction amounts from all the bidder's deposited transaction information to the sum of the first interest corresponding to these transactions.

[0071] For example, upon responding to a refund instruction, the system can first retrieve all deposit information (i.e., multiple transaction records) for the bidder based on the bidding order number and bidder identifier. Then, it iterates through each transaction, calling the interest calculation formula or service to calculate the first interest for that transaction in real time, based on the transaction amount, deposit date, and the current date (or interest settlement date). Finally, the total principal is obtained by summing all transaction amounts, and the total interest is obtained by summing all first interest rates. These sums are then used to determine the refund amount.

[0072] For example, the system can also periodically (e.g., daily) pre-calculate the cumulative first interest for each outstanding bidding order up to the current day, based on its latest deposit information, and store the results (unique transaction identifier, cumulative interest amount) in an interest details table. When a refund instruction is triggered, the pre-calculated interest for all relevant transactions of the bidder is summarized from this table as the total interest, and then combined with the total principal in the deposit information to quickly determine the refund amount.

[0073] For example, the system filters the corresponding deposit information based on the bidder's identifier; it iterates through each deposit, calculating the interest accrued up to today based on the deposit amount and deposit date. Assuming there are n deposits, the interest amounts are calculated as T1, T2, T3...Tn, and the principal is B1, B2, B3...Bn. The total interest is then T1+T2+T3+...+Tn, and the total principal is B1+B2+B3+...+Bn. Based on the total interest and total principal, the funds are refunded to the bidder's account via the original payment method.

[0074] For example, based on the margin account corresponding to the transaction information in the message queue, the bidding order corresponding to the transaction information is determined, and the deposit information corresponding to the bidding order is updated, including:

[0075] Consume transaction information in the message queue and determine the corresponding bidding order based on the identifier of the margin account in the transaction information;

[0076] Based on the transaction information and the relationship between the transaction information and the bidding order, the transaction information is updated and stored in the deposit information corresponding to the bidding order.

[0077] This example ensures that the entire chain of each transaction's information, from capture and matching to final storage, is traceable and consistent. Centralized storage guarantees that all deposit information is systematically and accurately aggregated at the order level.

[0078] For example, the method also includes:

[0079] Based on the transaction information and the corresponding bidding orders, a data block for evidence storage is generated. The data block for evidence storage includes the identifier of the bidding order and the transaction information.

[0080] The evidence data blocks are submitted to the blockchain network for consensus and storage, so that each transaction information generates a corresponding immutable blockchain evidence.

[0081] In this example, after matching transaction information with bidding orders, key fields (such as the bidding order identifier, bidder identifier, transaction amount, and precise timestamp) are serialized and their hash values ​​are calculated, then encapsulated into a data block conforming to a specific format. Subsequently, this data block is submitted to a permissioned consortium blockchain network employing consensus mechanisms such as Practical Byzantine Fault Tolerance through a pre-configured client. After pre-selected consensus nodes in the network verify the data block and reach a consensus, it is appended to the chain as a new block, thus completing the notarization process.

[0082] This example utilizes the distributed consensus and cryptographic features of the blockchain to store the key fingerprint of each deposit information, providing immutable and traceable third-party evidence for the original transaction data, independent of the core business database. This method enhances the credibility of the entire margin deposit process, allowing any party to independently verify the integrity and authenticity of deposit records, effectively addressing the pain point of traditional centralized systems where data credibility relies on a single maintenance party.

[0083] For example, based on the deposit information, the first interest corresponding to each transaction is determined, and based on the first interest corresponding to each transaction, the refund amount corresponding to each bidder is determined, including:

[0084] Determine the total interest result for the margin account;

[0085] Based on the identifier of the bidding order and the identifier of the bidder, determine at least one transaction information corresponding to the bidder identifier from the deposit information;

[0086] Determine the sub-interest calculation result corresponding to each transaction information. The sub-interest calculation result is used to indicate the first interest corresponding to the transaction amount in the transaction information.

[0087] Verify and check the total interest result and the sub-interest result to determine the refund amount for each bidder.

[0088] In this example, interest is first calculated and settled on the target margin account from its opening date to the current date according to financial rules, resulting in a total interest result. Then, based on the bidding order identifier and bidder identifier, all deposit details for that bidder are extracted from the deposit information. For each detail (including transaction amount and deposit date), a sub-interest result is obtained based on the actual number of days the funds were held. Finally, the sum of all sub-interest results is compared and verified with the total interest result to ensure consistency within the allowable error range, thereby accurately determining the refund amount for each bidder.

[0089] This example employs a dual calculation and cross-validation mechanism, combining total account balance calculation with detailed transaction-by-transaction calculation, to achieve the highest degree of fairness and accuracy in interest allocation among numerous bidders, while strictly adhering to financial account interest calculation compliance requirements. This not only ensures a perfect match between the total refund amount and the bank account interest settlement results but also guarantees that interest accurately reflects the actual time each fund was used through transaction-by-transaction calculation. This resolves the unfairness issues caused by the proportional allocation or estimation of interest in traditional methods, while the verification process also improves the system's data consistency and processing reliability.

[0090] The bidding deposit interest allocation method provided in this embodiment establishes a binding relationship between bidding orders and deposit accounts. Further, it opens accounts and uses a message queue to push transaction information containing account identifiers, bidders, and amounts in real time. Based on the information in this queue, each deposit transaction is precisely associated with the corresponding bidding order according to the account identifier, and its deposit information is updated, thus forming a complete transaction record that records the deposit time, amount, and corresponding bidder for each fund. When a refund is required, the interest generated by each transaction is calculated based on this ledger, and the total interest due to each bidder is summed to determine the final refund amount including principal and interest. This method achieves precise and granular accounting for each fund in the bidding deposit pool from deposit to withdrawal throughout its entire lifecycle, ensuring that interest income is fairly and accurately attributed to the actual paying bidders, and avoiding interest mismatch and loss of benefits due to technical limitations.

[0091] Figure 2 The flowchart of the method for allocating interest on bid security deposits provided in the embodiments of this application Figure 2 .like Figure 2 As shown, the method includes:

[0092] S201. Predict the peak time points for future contributions and / or the range of predicted cumulative contribution amounts to obtain the prediction results.

[0093] The prediction results are based on the deposit information corresponding to the bidding orders, and the prediction model determines the peak deposit time and / or the range of cumulative deposit amount for future periods.

[0094] For example, the method also includes:

[0095] Input the deposit information corresponding to the bidding order into the pre-trained prediction model to obtain the prediction results output by the prediction model; the prediction results include the peak deposit time point in the future period and / or the predicted cumulative deposit amount range. The prediction model is trained based on the time series feature set constructed from historical bidding orders and corresponding historical deposit information. The time series feature set is used to indicate the time series feature set of the bidder's behavioral characteristics.

[0096] Based on the forecast results, interest is pre-calculated.

[0097] In this example, historical bidding orders and their corresponding historical deposit information with precise timestamps can be systematically collected and stored to form a training dataset. Based on this, a time-series feature set that can characterize the behavior patterns of bidders can be constructed, such as deposit density and amount distribution for different project types and time periods (e.g., different stages of the bidding cycle, weekdays / holidays). Using these features, a time-series prediction model is trained, which can learn historical patterns and generalize them. In actual operation, for a new, ongoing bidding order, its real-time aggregated deposit information (as the input sequence) is input into this deployed prediction model. The model infers and outputs predictions of the peak deposit time and cumulative deposit amount range for future periods (usually up to the bid deadline).

[0098] This example introduces machine learning-based predictive capabilities, enabling the system to proactively optimize and intelligently process data. It allows for the prediction of future fund inflows, thus pre-completing extensive computational preparation, significantly smoothing out processing pressure during peak business periods, substantially reducing real-time computation latency after refund instructions are triggered, and improving the efficiency of fund refunds.

[0099] S202. Based on the peak deposit time points in the prediction results, determine the simulated interest calculation time window, which is located before the peak deposit time points.

[0100] In this step, the simulated interest calculation window refers to a pre-set period of time before the predicted peak deposit period, specifically used for performing simulated interest calculation tasks.

[0101] For example, a fixed time offset rule can be used to determine the simulated interest calculation window. For instance, when the peak time is predicted to be a specific date, the 24 hours preceding the peak time can be automatically set as the simulated interest calculation window, and computing resources can be allocated within this window. Alternatively, the length and start point of the simulated interest calculation window can be dynamically determined based on the predicted deposit event density and the system's real-time resource load. For example, if the predicted peak deposit pressure is high, the window may be started earlier to distribute the computational load.

[0102] S203. In the simulated interest calculation time window, based on the predicted cumulative deposit amount range, simulate and generate the intermediate results of the pre-calculated interest corresponding to the future predicted deposit information.

[0103] In this step, the preliminary interest calculation results refer to the data that is pre-calculated and generated based on the predicted deposit amount and simulated deposit time point, and is used to approximately represent the interest generated by future deposits.

[0104] For example, multiple representative amounts can be selected within the predicted cumulative deposit amount range, and different simulated deposit time points within the predicted peak period can be matched for each amount. Then, interest can be calculated for each set of "simulated amount-time point", and these results can be stored as intermediate results of pre-calculated interest.

[0105] For example, a simplified calculation model or lookup table can be built within the simulated interest calculation time window based on the predicted cumulative deposit amount range and interest calculation rules. This model or table can quickly output an approximate interest value based on the input amount and the number of days of deposit. This model or table is the intermediate result of the pre-calculated interest.

[0106] S204. When processing a refund instruction, determine a target pre-calculated interest intermediate result that is similar to the current deposit information based on the pre-calculated interest intermediate result.

[0107] In this step, for example, the actual deposit information can be converted into a data point containing the amount and date. Then, among all the intermediate results for pre-calculated interest, the one closest to this data point is found and identified as the similar target intermediate result for pre-calculated interest. Alternatively, a classification range for amount and time can be pre-defined for the intermediate results for pre-calculated interest. When processing actual deposit information, based on the range to which the information belongs, a typical intermediate result for pre-calculated interest corresponding to that range is directly selected as the similar target.

[0108] S205. Based on the intermediate results of the target pre-calculated interest and the current deposit information, perform corrective interest calculation to determine the sub-interest calculation result corresponding to each transaction information in the current deposit information.

[0109] In this step, for example, the difference between the actual amount and the target pre-calculated amount, and the difference between the actual number of days of existence and the target simulated number of days, can be calculated. Interest can then be calculated separately on this difference. Finally, the target pre-calculated interest is added to this difference interest to obtain the accurate sub-interest calculation result. Alternatively, a proportional scaling correction method can be used to composite scale the intermediate result of the target pre-calculated interest according to the ratio of the actual amount to the target simulated amount, and the ratio of the actual number of days of existence to the target simulated days, thereby quickly deriving a corrected sub-interest calculation result.

[0110] S206. Based on the total interest result corresponding to the margin account and the sub-interest result, determine the refund amount corresponding to each bidder; the total interest result is determined based on the total amount corresponding to the margin account.

[0111] In this step, for example, the sub-interest calculation results of all bidders can be summarized first to obtain the total interest calculated internally. This internal total is then compared and verified with the total interest result. Based on the comparison, the total interest result is finally allocated according to the proportion of each bidder's sub-interest calculation result, thereby determining the interest and refund amount due to each person. Alternatively, the sub-interest calculation results can be used to initially calculate the interest due to each bidder. Then, the sum of the initial refundable interest for all bidders is subtracted from the total interest result to obtain an interest difference. This difference is then distributed to each bidder according to a preset rule (such as according to the proportion of each bidder's principal), completing the fine-tuning of the final refund amount and ensuring that the total amount allocated by the system is completely consistent with the official data.

[0112] The bidding deposit interest allocation method provided in this application utilizes prediction results for interest pre-calculation and caching, transforming the time-consuming full-amount calculation during refund processing into an efficient pre-calculation matching and real-time fine-tuning mode. This significantly shortens the processing time from initiating a refund to completing accurate interest allocation while adhering to the overall financial interest calculation results, thereby significantly improving the speed and experience of bidders receiving refunds. At the same time, it alleviates the instantaneous calculation pressure during peak business periods and optimizes system resource utilization.

[0113] This embodiment also provides a bidding deposit interest distribution system. Figure 3 This is a structural diagram of a bidding deposit interest distribution system provided in an embodiment of this application. The system 30 includes: an order module 301, a deposit management module 302, an account activity monitoring module 303, and an interest calculation module 304.

[0114] The order module 301 is used to generate bidding orders and establish the correspondence between bidding orders and bid security accounts;

[0115] The margin management module 302 is used to create a margin account according to the opening instruction of the order module 301, and push the transaction information of the margin account in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier and the transaction amount.

[0116] The transaction monitoring module 303 is used to determine the bidding order corresponding to the transaction information based on the margin account corresponding to the transaction information in the message queue, and update the deposit information corresponding to the bidding order.

[0117] The interest calculation module 304 is used to respond to a refund instruction, determine the first interest corresponding to each transaction based on the deposit information, and determine the refund amount corresponding to each bidder based on the first interest corresponding to each transaction.

[0118] Figure 4 This is a hardware schematic diagram of an electronic device provided in an embodiment of the present invention. For example... Figure 4As shown, the electronic device 40 provided in this embodiment includes at least one processor 401 and a memory 402. The device 40 also includes a communication component 403. The processor 401, memory 402, and communication component 403 are connected via a bus 404.

[0119] In the specific implementation process, at least one processor 401 executes computer execution instructions stored in memory 402, causing at least one processor 401 to perform the above method.

[0120] The specific implementation process of processor 401 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0121] In the above Figure 4 In the illustrated embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0122] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0123] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0124] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the method described above.

[0125] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0126] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0127] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the method described above.

[0128] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0129] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0130] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0131] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0132] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0133] The technical solutions of this application have been described above with reference to the preferred embodiments shown in the accompanying drawings. However, it is readily understood by those skilled in the art that the scope of protection of this application is obviously not limited to these specific embodiments. The above embodiments are only used to illustrate the technical solutions of this application and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some or all of the technical features therein. These modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application.

Claims

1. A method for allocating interest on bidding security deposits, characterized in that, The method includes: Generate bidding orders and establish the correspondence between the bidding orders and the margin accounts; The margin account is created according to the opening instruction, and the transaction information of the margin account is pushed in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier, and the transaction amount. Based on the margin account corresponding to the transaction information in the message queue, determine the bidding order corresponding to the transaction information, and update the deposit information corresponding to the bidding order; In response to the refund instruction, based on the deposit information, the first interest corresponding to each transaction is determined, and based on the first interest corresponding to each transaction, the refund amount corresponding to each bidder is determined.

2. The method according to claim 1, characterized in that, The step of determining the bidding order corresponding to the transaction information based on the margin account corresponding to the transaction information in the message queue, and updating the deposit information corresponding to the bidding order, includes: Consume the transaction information in the message queue and determine the corresponding bidding order based on the identifier of the margin account in the transaction information; Based on the transaction information and the relationship between the transaction information and the bidding order, the transaction information is updated and stored in the deposit information corresponding to the bidding order.

3. The method according to claim 1, characterized in that, The method further includes: Based on the transaction information and the corresponding bidding order, a data block for evidence storage is generated. The data block for evidence storage includes the identifier of the bidding order and the transaction information. The evidence storage data blocks are submitted to the blockchain network for consensus and storage, so that each transaction information generates a corresponding immutable blockchain evidence.

4. The method according to claim 1, characterized in that, The step of determining the first interest corresponding to each transaction based on the deposit information, and determining the refund amount corresponding to each bidder based on the first interest corresponding to each transaction, includes: Determine the total interest result corresponding to the margin account; Based on the identifier of the bidding order and the identifier of the bidder, at least one transaction information corresponding to the bidder identifier is determined from the deposit information; Determine the sub-interest calculation result corresponding to each transaction information, wherein the sub-interest calculation result is used to indicate the first interest corresponding to the transaction amount in the transaction information; The total interest result and the sub-interest result are verified and checked to determine the refund amount for each bidder.

5. The method according to claim 1, characterized in that, The method further includes: The deposit information corresponding to the bidding order is input into the pre-trained prediction model to obtain the prediction result output by the prediction model; wherein, the prediction result includes the peak deposit time point in the future period and / or the predicted cumulative deposit amount range, and the prediction model is trained based on the time series feature set constructed based on historical bidding orders and corresponding historical deposit information, and the time series feature set is used to indicate the time series feature set of bidder behavior characteristics. Based on the predicted results, interest is pre-calculated.

6. The method according to claim 5, characterized in that, The calculation, based on the prediction results, includes pre-calculating interest, including: Based on the peak deposit time points in the prediction results, a simulated interest calculation time window is determined, and the simulated interest calculation time window is located before the peak deposit time points; Within the simulated interest calculation time window, based on the predicted cumulative deposit amount range, the intermediate results of the pre-calculated interest corresponding to the future predicted deposit information are simulated and generated.

7. The method according to claim 6, characterized in that, The determination of the refund amount for each bidder includes: When processing the refund instruction, a target pre-calculated interest intermediate result similar to the current deposit information is determined based on the pre-calculated interest intermediate result. Based on the intermediate result of the target pre-calculated interest and the current deposit information, the interest calculation is adjusted to determine the sub-interest calculation result corresponding to each transaction information in the current deposit information; Based on the total interest result corresponding to the margin account and the sub-interest result, the refund amount for each bidder is determined; the total interest result is determined based on the total amount corresponding to the margin account.

8. A bidding deposit interest distribution system, characterized in that, The system includes: an order module, an account activity monitoring module, an interest calculation module, and a margin management module; The order module is used to generate bidding orders and establish the correspondence between the bidding orders and the margin accounts; The margin management module is used to create the margin account according to the opening instruction of the order module, and push the transaction information of the margin account in real time through the message queue. The transaction information includes the identifier of the margin account, the bidder identifier and the transaction amount. The transaction monitoring module is used to determine the bidding order corresponding to the transaction information based on the margin account corresponding to the transaction information in the message queue, and update the deposit information corresponding to the bidding order. The interest calculation module is used to respond to a refund instruction, determine the first interest corresponding to each transaction based on the deposit information, and determine the refund amount corresponding to each bidder based on the first interest corresponding to each transaction.

9. An electronic device, characterized in that, include: At least one processor and memory; wherein, The memory stores computer-executed instructions; The at least one processor executes computer execution instructions stored in the memory, causing the at least one processor to perform the method as described in any one of claims 1-7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1-7.

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