CN110766556A - Profit notification method, device, equipment and computer readable storage medium - Google Patents
Profit notification method, device, equipment and computer readable storage medium Download PDFInfo
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- CN110766556A CN110766556A CN201911003244.4A CN201911003244A CN110766556A CN 110766556 A CN110766556 A CN 110766556A CN 201911003244 A CN201911003244 A CN 201911003244A CN 110766556 A CN110766556 A CN 110766556A
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Abstract
The invention relates to the technical field of financial science and technology, and discloses a income notification method, a device, equipment and a computer-readable storage medium. The benefit notification method comprises the following steps: the method comprises the steps of obtaining the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result; determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of purchased deposit products according to the required deposit information; and calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount. The invention can solve the problem that the income of the deposit product can not be informed in the prior art.
Description
Technical Field
The present invention relates to the field of financial technology (Fintech), and in particular, to a revenue notification method, apparatus, device, and computer-readable storage medium.
Background
With the development of computer technology, more and more technologies (big data, distributed, Blockchain, artificial intelligence, etc.) are applied to the financial field, and the traditional financial industry is gradually changing to financial technology (Fintech), but higher requirements are also put forward on the technologies due to the requirements of security and real-time performance of the financial industry.
At present, in the financial industry, only profits are estimated and calculated and notification display is carried out on financial products with stable annual rates, such as robust financing and fund, the robust financing cannot be taken out in advance after being stored, so that the annual interest rate is stable, yesterday income and accumulated income can be calculated, and the fund has definite profitability every day, so that yesterday income and accumulated income can be calculated. For other types of deposit products, such as regular deposit, intelligent deposit, large-volume products and the like, because the annual interest rate is not fixed or the annual interest rate taken out in advance changes, the interest cannot be calculated every day, the user cannot know yesterday income and accumulated income of the holding period, and the obtained interest can be seen only when the user takes out the interest. Therefore, a profit informing method for a deposit product is needed to facilitate a user to know the profit of the deposit product in time.
Disclosure of Invention
The invention mainly aims to provide a profit notification method, a profit notification device, income notification equipment and a computer readable storage medium, and aims to solve the problem that profits of deposit products cannot be notified in the prior art.
In order to achieve the above object, the present invention provides a profit notifying method, including:
the method comprises the steps of obtaining the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of purchased deposit products according to the required deposit information;
and calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount.
Optionally, the step of determining the required deposit information and revenue calculation policy according to the product type and the detection result includes:
judging whether the purchased deposit product is a non-interest-bearing product or an interest-bearing product according to the product type, and judging whether principal extraction information exists or not according to the detection result;
if the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical accumulated estimated interest, and determining a profit calculation strategy as a first profit calculation strategy;
if the purchased deposit product is judged to be a non-interest product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a second profit calculation strategy;
if the purchased deposit product is judged to be a party product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical non-party accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy;
and if the purchased deposit products are judged to be the interest products and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical non-interest accumulation estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a fourth profit calculation strategy.
Optionally, if the purchased deposit product is a non-interest-bearing product and principal extraction information does not exist, the deposit information includes a first deposit principal, first interest rate information and a first historical accumulated estimated interest, and the step of calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information includes:
calculating to obtain a first interest rate based on the first income calculation strategy and the first interest rate information;
calculating to obtain a first yesterday estimated interest according to the first daily interest rate and the first deposit;
and adding the estimated interest of the first yesterday and the estimated interest of the first historical accumulation, and calculating to obtain the estimated interest of the first accumulation, wherein the income amount of the purchased deposit product comprises the estimated interest of the first yesterday and the estimated interest of the first accumulation.
Optionally, if the purchased deposit product is a non-interest-bearing product and principal extraction information exists, the deposit information includes a second deposit principal, second interest rate information, a second historical accumulated estimated interest, a first extraction principal and a first holding time, and the step of calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information includes:
calculating to obtain a second daily interest rate based on the second income calculation strategy and the second interest rate information, and calculating to obtain yesterday estimated interest of a second deposit according to the second daily interest rate and the second deposit;
calculating to obtain a first arrival account interest according to the second interest rate information, the first extraction principal and the first holding time, and calculating to obtain a first estimated deduction interest according to the first extraction principal, the second deposit and the first historical non-interest-allocation accumulated estimated interest;
calculating to obtain second yesterday estimated interest according to the second deposit yesterday estimated interest, the first arrived account information and the first estimated deduction information;
the interest is estimated on the second yesterday and the interest is estimated through the second historical non-derivative accumulation, the second accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the interest estimated on the second deposit fund yesterday, the first account interest, the first estimated deduction interest, the second yesterday estimated interest and the second accumulated estimated interest.
Optionally, if the purchased deposit product is a derivative product and principal extraction information does not exist, the deposit information includes a third deposit principal, third interest rate information and a first historical non-derivative accumulated estimated interest, and the step of calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information includes:
calculating to obtain a third daily interest rate based on the third profit calculation strategy and the third interest rate information;
calculating to obtain a third yesterday estimated interest according to the third daily interest rate and the third deposit;
and adding the estimated interest of the third yesterday and the estimated interest accumulated in the first historical non-derivative, and calculating to obtain the estimated interest of the third accumulated, wherein the income amount of the purchased deposit product comprises the estimated interest of the third yesterday and the estimated interest of the third accumulated.
Optionally, if the purchased deposit product is a derivative product and principal extraction information exists, the deposit information includes a fourth deposit principal, fourth interest rate information, a second historical non-derivative accumulated estimated interest, a second extracted principal and a second holding time, and the step of calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information includes:
calculating to obtain a fourth daily interest rate based on the fourth income calculation strategy and the fourth interest rate information, and calculating to obtain a yesterday estimated interest of a fourth deposit according to the fourth daily interest rate and the fourth deposit;
calculating to obtain a second arrival account interest according to the fourth interest rate information, the second extraction principal and the second holding time, and calculating to obtain a second estimated deduction interest according to the second extraction principal, the fourth deposit and the second historical non-interest-allocation accumulated estimated interest;
calculating to obtain a fourth yesterday estimated interest according to the fourth deposit yesterday estimated interest, the second arrived account information and the second estimated deduction information;
the fourth yesterday estimated interest and the fourth historical non-derivative accumulated estimated interest are added, the fourth accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the fourth deposit fund estimated interest yesterday, the second arrival interest, the second estimated deduction interest, the fourth yesterday estimated interest and the fourth accumulated estimated interest.
Optionally, the benefit notifying method further includes:
when detecting the due information of the purchased financial product, acquiring the due deposit information according to the product type;
and calculating an expiration interest and an expiration estimated deduction interest according to the expiration deposit information and the product type, and displaying and informing.
In order to achieve the above object, the present invention also provides a profit notifying apparatus including:
the acquisition module is used for acquiring the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
the determining module is used for determining the required deposit information and the income calculating strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information;
and the calculation module is used for calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information and displaying and informing the income amount.
Further, to achieve the above object, the present invention also provides a profit notifying apparatus including: a memory, a processor, and a benefit notification program stored on the memory and executable on the processor, the benefit notification program when executed by the processor implementing the steps of the benefit notification method as described above.
Further, to achieve the above object, the present invention provides a computer readable storage medium having a benefit notifying program stored thereon, the benefit notifying program, when executed by a processor, implementing the steps of the benefit notifying method as described above.
The invention provides a income notification method, a device, equipment and a computer readable storage medium, wherein a detection result is obtained by acquiring the product type of a purchased deposit product in a user account and detecting whether principal extraction information exists within a preset time range; then, determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information; and then calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount. By the method, the income of the deposit product can be calculated and the notice can be displayed, so that the user can know the income of the deposit product in time conveniently, and the user experience can be improved.
Drawings
FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a revenue notification method according to a first embodiment of the present invention;
FIG. 3 is a schematic diagram of a display notification manner of profit amounts related to the profit notification method according to the present invention;
FIG. 4 is a functional block diagram of a profit notifying apparatus according to a first embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.
The benefit notification device in the embodiment of the present invention may be a smart phone, or may be a terminal device such as a PC (Personal Computer), a tablet Computer, or a portable Computer.
As shown in fig. 1, the benefit notifying apparatus may include: a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., a Wi-Fi interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the benefit notification apparatus configuration shown in FIG. 1 does not constitute a limitation of the benefit notification apparatus and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a benefit notification program.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the user interface 1003 is mainly used for connecting a client and performing data communication with the client; and the processor 1001 may be configured to invoke the benefit notification program stored in the memory 1005 and perform the various steps of the benefit notification method below.
Based on the above hardware structure, embodiments of the benefit notification method of the present invention are presented.
The invention provides a profit notifying method.
Referring to fig. 2, fig. 2 is a flowchart illustrating a revenue notification method according to a first embodiment of the present invention.
In this embodiment, the benefit notification method includes:
step S10, acquiring the product type of the purchased deposit product in the user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
the benefit notifying method of the present embodiment is implemented by a benefit notifying device, which takes a server as an example for description. In this embodiment, the product type of the purchased deposit product in the user account is obtained first, and whether principal extraction information exists within a preset time range is detected to obtain a detection result. The trigger time for acquiring the product type of the purchased deposit product in the user account may be automatically triggered at a preset fixed time every day. In addition, since the subsequent calculation display is performed for the benefit of the previous day (i.e., yesterday estimated benefit), the previous day of the current date can be set within the preset time range.
Step S20, determining the required deposit information and income calculation strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information;
and then, determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information. Specifically, whether the purchased deposit product is a non-interest-bearing product or an interest-bearing product is judged according to the product type, and whether principal extraction information exists or not is judged according to the detection result. If the purchased deposit product is judged to be a non-interest product and principal extraction information does not exist, determining the required deposit information to be deposit principal, interest rate information and historical accumulated estimated interest, and determining the profit calculation strategy to be a first profit calculation strategy; if the purchased deposit product is judged to be a non-interest product and principal extraction information exists, determining that the required deposit information is deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining that the profit calculation strategy is a second profit calculation strategy;
if the purchased deposit product is judged to be a derivative product and principal extraction information does not exist, determining the required deposit information as deposit bill principal, interest rate information and historical non-derivative accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy; if the purchased deposit product is judged to be a derivative product and principal extraction information exists, determining that the required deposit information is deposit principal, interest rate information, historical unpaid interest accumulation estimated interest, principal extraction and holding time, and determining a profit calculation strategy to be a fourth profit calculation strategy.
Wherein the first, second, third and fourth deposit funds are the current deposit funds of the purchased deposit products; the first, second, third and fourth interest rate information is related interest rate information obtained according to the product type and the detection result; the first historical accumulated estimated interest and the second historical accumulated estimated interest are summation results of historical daily estimated interest, and in the embodiment, the accumulated estimated interest of yesterday can be referred; accumulating the estimated interest by the first historical non-interest-bearing and the second historical non-interest-bearing, namely adding the daily estimated interest without interest-bearing; the first and second extraction principal funds refer to deposit principal funds taken out in advance; the first holding time is the holding time for taking out the part in advance, and the second holding time is the number of days without interest.
It should be noted that the descriptions of "first", "second", etc. above are for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicit to the technical features indicated.
And step S30, calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount.
After the income calculation strategy is determined and the deposit information of the purchased deposit products is obtained, the income amount of the purchased deposit products is calculated based on the income calculation strategy and the deposit information, and the income amount is displayed and notified. For different situations, the income amount may include one or more types of yesterday estimated interest, accumulated estimated interest, income interest and estimated deduction interest, and the specific calculation process of the income amount may refer to the following second embodiment, which is not described herein again. The display notification manner may display the notification in a corresponding manner according to the type of the product and the type of the income amount, for example, fig. 3 shows a display schematic diagram of yesterday estimated interest and accumulated estimated interest, in a specific implementation, a specific display notification manner may be specifically set according to an actual requirement, and this embodiment is not specifically limited.
The embodiment of the invention provides a income notification method, which comprises the steps of obtaining the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists in a preset time range to obtain a detection result; then, determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information; and then calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount. By the method, the income of the deposit product can be calculated and the notice can be displayed, so that the user can know the income of the deposit product in time conveniently, and the user experience can be improved.
Further, based on the first embodiment shown in fig. 2, a second embodiment of the benefit notifying method of the present invention is proposed.
In this embodiment, the step of "determining the required deposit information and profit calculation policy according to the product type and the detection result" may include:
step a10, judging whether the purchased deposit product is a non-interest-bearing product or an interest-bearing product according to the product type, and judging whether principal extraction information exists or not according to the detection result;
in this embodiment, the calculation of the revenue amount is affected for different product types and whether to withdraw in advance. Therefore, it is possible to first determine whether the purchased deposit product is a non-dividend product or a dividend product according to the product type, and determine whether the detection result is the presence or absence of principal extraction information.
Step a21, if the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical accumulated estimated interest, and determining the profit calculation strategy as a first profit calculation strategy;
step a22, if the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a second profit calculation strategy;
step a23, if the purchased deposit product is judged to be a dividend product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical non-dividend accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy;
step a24, if the purchased deposit product is judged to be a kind of interest product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical non-interest accumulation estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a fourth profit calculation strategy.
If the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical accumulated estimated interest, and determining a profit calculation strategy as a first profit calculation strategy; if the purchased deposit product is judged to be a non-interest product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a second profit calculation strategy; if the purchased deposit product is judged to be a party product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical non-party accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy; and if the purchased deposit products are judged to be the interest products and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical non-interest accumulation estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a fourth profit calculation strategy.
Correspondingly, the following examples are illustrated by way of example for the following class 4 products:
class 1 is no interest and low interest rate in early withdrawal. For example, the fixed term deposit is started for 50 yuan, the deposit is agreed with the deposit period, the principal is deposited once, and the principal or interest is fully or partially withdrawn. The shelf life can be divided into 3 months, 6 months, 1 year, 2 years, 3 years and 5 years, and the longer the shelf life is selected, the higher the corresponding annual interest rate is. The rest rule is as follows: paying interest according to the regular deposit interest rate of the bulletin board on the current day; the money can be paid in advance, and the money is paid in advance according to the acquired deposit interest rate on the day of payment.
Class 2 is not appetized and has an unchanged interest rate taken out in advance. For example, the intelligent deposit is reserved for 50 yuan, the intelligent deposit adopts a mode of taking along with the deposit and intelligently counting, the interest rate and the income of the hook in different time periods are different, the interest rate is counted according to the corresponding grade interest rate when the intelligent deposit is actually taken out, and the longer the deposit time is, the higher the interest rate is, and the highest interest rate can reach 4.50%.
Class 3 is petition but low interest rate taken ahead. For example, the large deposit receipt is stored for 20 thousands of people, the deposit period is 5 years, the annual rate is 4.2625%, the money is automatically allocated every full month, the money can be taken out in advance, the money is counted by the actual deposit period, and the transfer of the full or partial principal deposit receipt is also supported.
Class 4 is given interest and has an unchanged interest rate taken out in advance. For example, the large deposit +20 ten thousand deposits, the annual interest rate is shared by the deposit is 4.20%, and the interest is automatically allocated 15 days per month.
As one implementation manner, if the purchased deposit product is a non-interest-bearing product and principal extraction information does not exist, the step of "calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information" includes:
step b11, calculating a first interest rate based on the first income calculation strategy and the first interest rate information;
step b12, calculating to obtain a first yesterday estimated interest according to the first daily interest rate and the first deposit;
step b13, summing the first yesterday estimated interest and the first historical accumulated estimated interest, and calculating to obtain a first accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the first yesterday estimated interest and the first accumulated estimated interest.
In this embodiment, if the purchased deposit product is a non-interest-bearing product and principal extraction information does not exist, determining that the income calculation strategy is a first income calculation strategy, and obtaining deposit information according to the determined required deposit information, wherein the obtained deposit information comprises a first deposit principal, first interest rate information and first historical accumulated estimated interest, the first interest rate information is obtained according to the product type and the detection result, for example, for a rated deposit, the deposit information does not exist to be taken out in advance, and the first interest rate information comprises an expiration annual interest rate of the product; for intelligent deposit and no prior withdrawal, the first interest rate information comprises the corresponding grade interest rate of the product. Then, calculating to obtain a first rate of interest based on a first profit calculation strategy and first rate information; specifically, the first rate of interest also needs to be calculated according to the product type, for example, for non-derivative products such as quota deposit and smart deposit, the corresponding first rate of interest is calculated by: product maturity annual rate/365, product corresponding grade rate/360, as in table 1 below. And then calculating to obtain a first yesterday estimated interest according to the first interest rate and the first deposit, wherein the first yesterday estimated interest is the first interest rate and the first deposit. And finally, summing the first yesterday estimated interest and the first historical accumulated estimated interest, and calculating to obtain the first accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the first yesterday estimated interest and the first accumulated estimated interest.
As another embodiment, if the purchased deposit product is a non-interest-bearing product and principal extraction information exists, the step of "calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information" includes:
step b21, calculating to obtain a second daily interest rate based on the second income calculation strategy and the second interest rate information, and calculating to obtain yesterday estimated interest of a second deposit according to the second daily interest rate and the second deposit;
b22, calculating to obtain a first arrival account interest according to the second interest rate information, the first extraction principal and the first holding time, and calculating to obtain a first estimated deduction interest according to the first extraction principal, the second deposit principal and the first historical unpopulated interest accumulated estimated interest;
step b23, calculating to obtain second yesterday estimated interest according to the second deposit fund yesterday estimated interest, the first arrived account information and the first estimated deduction information;
step b24, summing the second yesterday estimated interest and the second historical non-derivative accumulated estimated interest, and calculating to obtain a second accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the second deposit fund yesterday estimated interest, the first account interest, the first estimated deduction interest, the second yesterday estimated interest and the second accumulated estimated interest.
In this embodiment, if the purchased deposit product is a non-interest-bearing product and principal extraction information exists, determining that the income calculation strategy is a second income calculation strategy, and obtaining deposit information according to the determined required deposit information, wherein the deposit information obtained according to the determined required deposit information comprises a second deposit principal, second interest rate information, second historical accumulated estimated interest, a first extracted principal and first holding time, the second interest rate information is obtained according to the product type and the detection result, for example, for a fixed-amount deposit, the existence is taken out in advance, and the second interest rate information comprises an expiration annual interest rate of the product and a current day branding life annual interest rate; for intelligent deposit and presence taking in advance, the first interest rate information comprises the corresponding grade interest rate of the product.
Then, calculating to obtain a second daily interest rate based on a second income calculation strategy and second interest rate information, and calculating to obtain yesterday estimated interest of a second deposit according to the second daily interest rate and the second deposit; wherein the second daily interest rate is calculated in the same manner as the first daily interest rate, and the following table 1 can be referred to; the second deposit yesterday estimates interest-the second deposit-the second daily interest rate. And then, calculating to obtain a first arrival account interest according to the second interest rate information, the first extraction principal and the first holding time, and calculating to obtain a first estimated deduction interest according to the first extraction principal, the second deposit principal and the first historical unpopulated accumulated estimated interest. The first account interest is the interest which is taken out in advance and is due to the principal, and for the rated deposit product, the first account interest is the first extracted principal, the current day, the listing life annual rate/365 and the first holding time; for smart credit products, first outstanding interest is first withdrawal principal product corresponding grade rate/360 first hold time. The first predicted interest deduction is accumulated with the second historical unpopulated interest and the first extracted principal/(the first extracted principal + the second deposit).
And calculating to obtain second yesterday estimated interest according to second deposit fund yesterday estimated interest, first account arrival information and first estimated deduction information, wherein the second yesterday estimated interest is the second deposit fund yesterday estimated interest + the first account arrival information + the first estimated deduction information.
And finally, summing the second yesterday estimated interest and the second historical non-derivative accumulated estimated interest, and calculating to obtain the second accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the second deposit fund estimated interest yesterday, the first account interest, the first estimated deduction interest, the second yesterday estimated interest and the second accumulated estimated interest.
As another embodiment, if the purchased deposit product is a derivative product and principal extraction information does not exist, the step of "calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information" includes:
step b31, calculating a third daily interest rate based on the third income calculation strategy and the third interest rate information;
step b32, calculating to obtain the estimated interest of the third yesterday according to the third daily interest rate and the third deposit;
step b33, summing the third yesterday estimated interest and the first historical non-interest accumulation estimated interest, and calculating to obtain a third accumulation estimated interest, wherein the income amount of the purchased deposit product comprises the third yesterday estimated interest and the third accumulation estimated interest.
In this embodiment, if the purchased deposit product is a derivative product and principal extraction information does not exist, determining that the obtained profit calculation strategy is a third profit calculation strategy, and obtaining deposit information according to the determined required deposit information, wherein the obtained deposit information includes a third deposit principal, third interest rate information and a first historical nonprofessional accumulated estimated interest, the third interest rate information is obtained according to the product type and the detection result, for example, for a large deposit, the third interest rate information includes an expiration annual interest rate of the product; for large deposits +, there is no pre-fetch, the first interest rate information includes annual interest rate. Then, calculating to obtain a third daily interest rate based on a third income calculation strategy and third interest rate information; for example, for a large deposit, the third daily rate ═ (product expiration annual rate/12)/number of days in the period to be assigned; for large deposits, the third daily rate is the annual rate/365, as in table 1 below. And further, calculating a third yesterday estimated interest according to the third daily interest rate and a third deposit, wherein the third yesterday estimated interest is the third daily interest rate and the third deposit. And finally, summing the third yesterday estimated interest and the first historical non-derivative accumulated estimated interest, and calculating to obtain a third accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the third yesterday estimated interest and the third accumulated estimated interest.
As another embodiment, if the purchased deposit product is a derivative product and principal extraction information exists, the deposit information obtained according to the determined required deposit information includes a fourth deposit principal, fourth interest rate information, a second historical non-derivative accumulated estimated interest, a second extracted principal and a second holding time, and the step of "calculating the income amount of the purchased deposit product based on the income calculation policy and the deposit information" includes:
step b41, calculating to obtain a fourth daily interest rate based on the fourth income calculation strategy and the fourth interest rate information, and calculating to obtain yesterday estimated interest of the fourth deposit according to the fourth daily interest rate and the fourth deposit;
b42, calculating to obtain a second arrival account interest according to the fourth interest rate information, the second extraction principal and the second holding time, and calculating to obtain a second estimated deduction interest according to the second extraction principal, the fourth deposit principal and the second historical unpopulated interest accumulated estimated interest;
step b43, calculating to obtain a fourth yesterday estimated interest according to the fourth deposit yesterday estimated interest, the second arrived account information and the second estimated deduction information;
step b44, summing the fourth yesterday estimated interest and the fourth historical non-derivative accumulated estimated interest, and calculating to obtain the fourth accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the fourth deposit fund yesterday estimated interest, the second account interest, the second estimated deduction interest, the fourth yesterday estimated interest and the fourth accumulated estimated interest.
In this embodiment, if the purchased deposit product is a derivative product and principal extraction information exists, determining that the income calculation strategy is a fourth income calculation strategy, and obtaining deposit information according to the determined required deposit information, wherein the obtained deposit information comprises a fourth deposit principal, fourth interest rate information, second historical non-derivative accumulated estimated interest, a second extracted principal and second holding time, the fourth interest rate information is obtained according to the product type and the detection result, for example, for large deposit, the existence is taken out in advance, and the fourth interest rate information comprises the product maturity annual interest rate and the product corresponding grade interest rate; for large deposits +, there is a pull in advance, the first interest rate information includes annual interest rate.
Then, calculating to obtain a fourth daily interest rate based on a fourth income calculation strategy and fourth interest rate information, and calculating to obtain yesterday estimated interest of a fourth deposit according to the fourth daily interest rate and the fourth deposit; wherein, the fourth daily interest rate and the third daily interest rate are calculated in the same manner, and the following table 1 can be referred to; the fourth deposit yesterday estimates interest-the fourth deposit-the fourth daily interest rate. And calculating to obtain a second arrival account interest according to the fourth interest rate information, the second extraction principal and the second holding time, and calculating to obtain a second estimated deduction interest according to the second extraction principal, the fourth deposit principal and the second historical unpopulated accumulated estimated interest. The second account interest is the interest which should be obtained by the principal taken out in advance, and for the large deposit product, the second account interest is the corresponding grade interest rate of the second extracted principal product/360 second holding time-the interest which has been distributed is the second extracted principal/(the second extracted principal + the fourth deposit); for smart credit products, first to account interest second to extract principal annual rate/360 second hold time. Second predicted interest deduction-second historical unpopulated accumulated predicted interest-second extracted principal/(second extracted principal + fourth deposit).
And calculating to obtain fourth yesterday estimated interest according to fourth deposit fund yesterday estimated interest, second account arrival information and second estimated deduction information, wherein the fourth yesterday estimated interest is the fourth deposit fund yesterday estimated interest + the second account arrival information + the second estimated deduction information.
And finally, summing the fourth yesterday estimated interest and the fourth historical unpopular interest accumulated estimated interest, and calculating to obtain the fourth accumulated estimated interest, wherein the income amount of the purchased deposit product comprises the fourth deposit fund estimated interest yesterday, the second account interest, the second estimated deduction interest, the fourth yesterday estimated interest and the fourth accumulated estimated interest.
Through the mode, the calculation of yesterday estimated interest and accumulated estimated interest for different types of deposit products can be realized, and a user can conveniently know yesterday estimated interest and accumulated estimated interest of the purchased deposit products in time. Meanwhile, aiming at the condition of taking out in advance, the accumulated estimated interest of the principal corresponding to the holding period is extracted and is converted into the account interest, and the estimated interest is deducted once because the estimated interest is unchanged every day in history, so that the estimated interest is deducted, the algorithm can ensure that the account interest is more than or equal to the estimated deducted interest, the feeling of the user can be reduced, the feeling of no more deduction can be realized, and the user experience is prevented from being poor.
TABLE 1 daily interest rate calculation method for different products
Further, based on the above embodiments, a third embodiment of the benefit notifying method of the present invention is proposed.
In this embodiment, after step S30, the benefit notifying method further includes:
step A, when detecting the expiration information of a purchased financing product, acquiring the expiration deposit information according to the product type;
and B, calculating an expiration interest and an expiration estimated deduction interest according to the expiration deposit information and the product type, and displaying and informing.
In this embodiment, when detecting the expiration information of the purchased financial product, the expiration deposit information is obtained according to the product type, where the expiration information is the prompt information corresponding to the storage period reached by the access time. For the acquisition of the expired deposit information, reference may be made to the parameters involved in the calculation formula in table 2 below. For example, the due deposit information required to be acquired for the fixed deposit includes the deposit book, the product due annual rate, and the term. And then, calculating due interest and predicted deduction interest according to the due deposit information and the product type, and displaying and informing. The specific calculation process can be referred to the following table 2. The calculation of the estimated interest deduction due to expiration is used for offsetting the record of the estimated interest every day, so that the minimum reconstruction is realized on the premise of not modifying historical income data.
By the mode, when the deposit product is due, the related due deposit information can be intelligently acquired, the due interest can be calculated and displayed, the user can conveniently know the income condition of the deposit product in time, and the user experience can be improved. In addition, the daily predicted interest records can be offset by means of predicted deduction, and therefore the minimum reconstruction is achieved on the premise that historical income data are not modified.
TABLE 2 calculation of interest due and predicted deduction due
The invention also provides a profit informing device.
Referring to fig. 4, fig. 4 is a functional block diagram of a profit notifying apparatus according to a first embodiment of the present invention.
As shown in fig. 4, the profit notifying apparatus includes:
the acquisition module 10 is used for acquiring the product types of the purchased deposit products in the user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
the determining module 20 is configured to determine required deposit information and a profit calculation policy according to the product type and the detection result, and obtain deposit information of a purchased deposit product according to the required deposit information;
and the calculating module 30 is used for calculating the income amount of the purchased deposit product based on the income calculating strategy and the deposit information, and displaying and informing the income amount.
Further, the determining module 20 is specifically configured to:
judging whether the purchased deposit product is a non-interest-bearing product or an interest-bearing product according to the product type, and judging whether principal extraction information exists or not according to the detection result;
if the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical accumulated estimated interest, and determining a profit calculation strategy as a first profit calculation strategy;
if the purchased deposit product is judged to be a non-interest product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a second profit calculation strategy;
if the purchased deposit product is judged to be a party product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical non-party accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy;
and if the purchased deposit products are judged to be the interest products and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical non-interest accumulation estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a fourth profit calculation strategy.
Further, if the purchased deposit product is a non-interest-bearing product and principal extraction information does not exist, the deposit information includes a first deposit principal, first interest rate information and a first historical accumulated estimated interest, and the calculating module 30 includes a first calculating unit configured to:
calculating to obtain a first interest rate based on the first income calculation strategy and the first interest rate information;
calculating to obtain a first yesterday estimated interest according to the first daily interest rate and the first deposit;
and adding the estimated interest of the first yesterday and the estimated interest of the first historical accumulation, and calculating to obtain the estimated interest of the first accumulation, wherein the income amount of the purchased deposit product comprises the estimated interest of the first yesterday and the estimated interest of the first accumulation.
Further, if the purchased deposit product is a non-interest-bearing product and principal extraction information exists, the deposit information includes a second deposit principal, second interest rate information, a second historical accumulated estimated interest, a first extraction principal and a first holding time, and the calculating module 30 includes a second calculating unit configured to:
calculating to obtain a second daily interest rate based on the second income calculation strategy and the second interest rate information, and calculating to obtain yesterday estimated interest of a second deposit according to the second daily interest rate and the second deposit;
calculating to obtain a first arrival account interest according to the second interest rate information, the first extraction principal and the first holding time, and calculating to obtain a first estimated deduction interest according to the first extraction principal, the second deposit and the first historical non-interest-allocation accumulated estimated interest;
calculating to obtain second yesterday estimated interest according to the second deposit yesterday estimated interest, the first arrived account information and the first estimated deduction information;
the interest is estimated on the second yesterday and the interest is estimated through the second historical non-derivative accumulation, the second accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the interest estimated on the second deposit fund yesterday, the first account interest, the first estimated deduction interest, the second yesterday estimated interest and the second accumulated estimated interest.
Further, if the purchased deposit product is a derivative product and principal extraction information does not exist, the deposit information includes a third deposit principal, third interest rate information and a first historical non-derivative accumulated estimated interest, the calculating module 30 includes a third calculating unit, configured to:
calculating to obtain a third daily interest rate based on the third profit calculation strategy and the third interest rate information;
calculating to obtain a third yesterday estimated interest according to the third daily interest rate and the third deposit;
and adding the estimated interest of the third yesterday and the estimated interest accumulated in the first historical non-derivative, and calculating to obtain the estimated interest of the third accumulated, wherein the income amount of the purchased deposit product comprises the estimated interest of the third yesterday and the estimated interest of the third accumulated.
Further, if the purchased deposit product is a derivative product and principal extraction information exists, the deposit information includes a fourth deposit principal, fourth interest rate information, a second historical non-derivative accumulated estimated interest, a second extracted principal and a second holding time, and the calculating module 30 includes a fourth calculating unit configured to:
calculating to obtain a fourth daily interest rate based on the fourth income calculation strategy and the fourth interest rate information, and calculating to obtain a yesterday estimated interest of a fourth deposit according to the fourth daily interest rate and the fourth deposit;
calculating to obtain a second arrival account interest according to the fourth interest rate information, the second extraction principal and the second holding time, and calculating to obtain a second estimated deduction interest according to the second extraction principal, the fourth deposit and the second historical non-interest-allocation accumulated estimated interest;
calculating to obtain a fourth yesterday estimated interest according to the fourth deposit yesterday estimated interest, the second arrived account information and the second estimated deduction information;
the fourth yesterday estimated interest and the fourth historical non-derivative accumulated estimated interest are added, the fourth accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the fourth deposit fund estimated interest yesterday, the second arrival interest, the second estimated deduction interest, the fourth yesterday estimated interest and the fourth accumulated estimated interest.
Further, the benefit notifying apparatus further includes:
the detection module is used for acquiring due deposit information according to the product type when detecting the due information of the purchased financial product;
and the notification module is used for calculating an expiration interest and an expiration predicted deduction interest according to the expiration deposit information and the product type and displaying a notification.
The function implementation of each module in the benefit notification apparatus corresponds to each step in the benefit notification method embodiment, and the function and implementation process thereof are not described in detail herein.
The present invention also provides a computer readable storage medium having a benefit notification program stored thereon, which when executed by a processor implements the steps of the benefit notification method as described in any of the above embodiments.
The specific embodiment of the computer-readable storage medium of the present invention is substantially the same as the embodiments of the profit notifying method described above, and will not be described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A benefit notification method, comprising:
the method comprises the steps of obtaining the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
determining required deposit information and a profit calculation strategy according to the product type and the detection result, and acquiring the deposit information of purchased deposit products according to the required deposit information;
and calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information, and displaying and informing the income amount.
2. The benefit notification method according to claim 1, wherein the step of determining the deposit information and the benefit calculation policy required according to the product type and the detection result comprises:
judging whether the purchased deposit product is a non-interest-bearing product or an interest-bearing product according to the product type, and judging whether principal extraction information exists or not according to the detection result;
if the purchased deposit product is judged to be a non-interest-bearing product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical accumulated estimated interest, and determining a profit calculation strategy as a first profit calculation strategy;
if the purchased deposit product is judged to be a non-interest product and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical accumulated estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a second profit calculation strategy;
if the purchased deposit product is judged to be a party product and principal extraction information does not exist, determining the required deposit information as deposit principal, interest rate information and historical non-party accumulated estimated interest, and determining a profit calculation strategy as a third profit calculation strategy;
and if the purchased deposit products are judged to be the interest products and principal extraction information exists, determining the required deposit information to be deposit principal, interest rate information, historical non-interest accumulation estimated interest, principal extraction and holding time, and determining the profit calculation strategy to be a fourth profit calculation strategy.
3. The profit notifying method according to claim 2, wherein if the purchased deposit product is a non-interest bearing type product and principal extraction information does not exist, the deposit information includes a first deposit principal, first interest rate information and a first historical cumulative estimated interest, the step of calculating the profit amount of the purchased deposit product based on the profit calculating policy and the deposit information includes:
calculating to obtain a first interest rate based on the first income calculation strategy and the first interest rate information;
calculating to obtain a first yesterday estimated interest according to the first daily interest rate and the first deposit;
and adding the estimated interest of the first yesterday and the estimated interest of the first historical accumulation, and calculating to obtain the estimated interest of the first accumulation, wherein the income amount of the purchased deposit product comprises the estimated interest of the first yesterday and the estimated interest of the first accumulation.
4. The profit notifying method according to claim 2, wherein if the purchased deposit product is a non-interest-bearing product and principal extraction information exists, the deposit information including a second deposit principal, second interest rate information, second historical cumulative estimated interest, a first extracted principal and a first holding time, the step of calculating the profit amount of the purchased deposit product based on the profit calculating policy and the deposit information includes:
calculating to obtain a second daily interest rate based on the second income calculation strategy and the second interest rate information, and calculating to obtain yesterday estimated interest of a second deposit according to the second daily interest rate and the second deposit;
calculating to obtain a first arrival account interest according to the second interest rate information, the first extraction principal and the first holding time, and calculating to obtain a first estimated deduction interest according to the first extraction principal, the second deposit and the first historical non-interest-allocation accumulated estimated interest;
calculating to obtain second yesterday estimated interest according to the second deposit yesterday estimated interest, the first arrived account information and the first estimated deduction information;
the interest is estimated on the second yesterday and the interest is estimated through the second historical non-derivative accumulation, the second accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the interest estimated on the second deposit fund yesterday, the first account interest, the first estimated deduction interest, the second yesterday estimated interest and the second accumulated estimated interest.
5. The profit notifying method according to claim 2, wherein if the purchased deposit product is a dividend-type product and principal extraction information does not exist, the deposit information including a third deposit principal, third interest rate information and a first historical non-dividend accumulated estimated interest, the step of calculating the profit amount of the purchased deposit product based on the profit calculating policy and the deposit information includes:
calculating to obtain a third daily interest rate based on the third profit calculation strategy and the third interest rate information;
calculating to obtain a third yesterday estimated interest according to the third daily interest rate and the third deposit;
and adding the estimated interest of the third yesterday and the estimated interest accumulated in the first historical non-derivative, and calculating to obtain the estimated interest of the third accumulated, wherein the income amount of the purchased deposit product comprises the estimated interest of the third yesterday and the estimated interest of the third accumulated.
6. The profit notifying method according to claim 2, wherein if the purchased deposit product is a dividend type product and principal extraction information exists, the deposit information including a fourth deposit principal, fourth interest rate information, a second historical non-dividend accumulated estimated interest, a second extracted principal and a second holding time exists, the step of calculating the profit amount of the purchased deposit product based on the profit calculating policy and the deposit information includes:
calculating to obtain a fourth daily interest rate based on the fourth income calculation strategy and the fourth interest rate information, and calculating to obtain a yesterday estimated interest of a fourth deposit according to the fourth daily interest rate and the fourth deposit;
calculating to obtain a second arrival account interest according to the fourth interest rate information, the second extraction principal and the second holding time, and calculating to obtain a second estimated deduction interest according to the second extraction principal, the fourth deposit and the second historical non-interest-allocation accumulated estimated interest;
calculating to obtain a fourth yesterday estimated interest according to the fourth deposit yesterday estimated interest, the second arrived account information and the second estimated deduction information;
the fourth yesterday estimated interest and the fourth historical non-derivative accumulated estimated interest are added, the fourth accumulated estimated interest is obtained through calculation, wherein the income amount of the purchased deposit product comprises the fourth deposit fund estimated interest yesterday, the second arrival interest, the second estimated deduction interest, the fourth yesterday estimated interest and the fourth accumulated estimated interest.
7. The benefit notification method according to any one of claims 1 to 6, further comprising:
when detecting the due information of the purchased financial product, acquiring the due deposit information according to the product type;
and calculating an expiration interest and an expiration estimated deduction interest according to the expiration deposit information and the product type, and displaying and informing.
8. A benefit notification apparatus, comprising:
the acquisition module is used for acquiring the product type of a purchased deposit product in a user account, and detecting whether principal extraction information exists within a preset time range to obtain a detection result;
the determining module is used for determining the required deposit information and the income calculating strategy according to the product type and the detection result, and acquiring the deposit information of the purchased deposit product according to the required deposit information;
and the calculation module is used for calculating the income amount of the purchased deposit product based on the income calculation strategy and the deposit information and displaying and informing the income amount.
9. A benefit notification apparatus, characterized in that the benefit notification apparatus comprises: memory, processor and benefit notification program stored on the memory and executable on the processor, the benefit notification program when executed by the processor implementing the steps of the benefit notification method as claimed in any one of claims 1 to 7.
10. A computer readable storage medium, having a benefit notification program stored thereon, which when executed by a processor, performs the steps of the benefit notification method as claimed in any one of claims 1 to 7.
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| CN112037068A (en) * | 2020-09-17 | 2020-12-04 | 广州运通链达金服科技有限公司 | Resource transfer method, system, device, computer equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112037068A (en) * | 2020-09-17 | 2020-12-04 | 广州运通链达金服科技有限公司 | Resource transfer method, system, device, computer equipment and storage medium |
| CN112037068B (en) * | 2020-09-17 | 2024-04-23 | 广州运通链达金服科技有限公司 | Resource transfer method, system, device, computer equipment and storage medium |
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Application publication date: 20200207 |