CN114240631A

CN114240631A - Interest processing method and device, electronic equipment and computer readable medium

Info

Publication number: CN114240631A
Application number: CN202111572866.6A
Authority: CN
Inventors: 罗军珍; 吴大奎; 张怡莹
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-21
Filing date: 2021-12-21
Publication date: 2022-03-25

Abstract

The application discloses interest processing method, device, electronic equipment and computer readable medium, relating to the technical field of data analysis, wherein the method comprises the following steps: receiving a deposit withdrawal request, acquiring a corresponding user identifier and withdrawal time, and determining a corresponding account balance and a deposit term according to the user identifier and the withdrawal time; calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table; invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest. Therefore, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the period of deposit during drawing, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

Description

Interest processing method and device, electronic equipment and computer readable medium

Technical Field

The present application relates to the field of data analysis technologies, and in particular, to a method and an apparatus for processing interest, an electronic device, and a computer-readable medium.

Background

In the existing system, the conventional interest mode for the public deposit products comprises interest on the public deposit according to the interest rate of the public deposit and interest on the public deposit according to the price of the deposit. However, due to the diversified demands of users, the pricing mode of the products on the regular public deposit in the existing system is single, the corresponding interest rate can be obtained only when the account is filled with the appointed term, otherwise, the interest loss of the users is large according to default interest.

In the process of implementing the present application, the inventor finds that at least the following problems exist in the prior art:

the conventional system has a single pricing mode for products at regular intervals of public deposit, corresponding interest rates can be obtained only when the account is filled with a stipulated period, and otherwise, interest loss of users is large according to default interest.

Disclosure of Invention

In view of this, embodiments of the present application provide an interest processing method, an apparatus, an electronic device, and a computer-readable medium, which can solve the problems that in the existing system, the pricing model of the product at the regular term of the public deposit is relatively single, the account is filled with the appointed time limit to obtain the corresponding interest rate, otherwise, the interest loss of the user is large according to the default interest.

To achieve the above object, according to an aspect of an embodiment of the present application, there is provided an interest processing method including:

receiving a deposit withdrawal request, acquiring a corresponding user identifier and withdrawal time, and determining a corresponding account balance and a deposit term according to the user identifier and the withdrawal time;

calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table;

invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest.

Optionally, determining the corresponding interest rate value comprises:

and determining the currency identification corresponding to the deposit drawing request, and calling the corresponding currency database to determine the interest rate value corresponding to the currency identification based on the layered amount and the layered time limit.

Optionally, determining the tiered amount and the tiered deadline includes:

determining the layered amounts lower than the account balance, and performing descending ordering on the layered amounts lower than the account balance;

and determining the first ranked tiered money amount as the tiered money amount corresponding to the account balance.

Optionally, determining the tiered amount and the tiered deadline further includes:

determining the layering time limit lower than the deposit time limit, and performing descending sorting on the layering time limits lower than the deposit time limit;

the first-ranked tier period is determined as a tier period corresponding to the deposit period.

Optionally, determining the interest to draw based on the interest value and the deposit duration comprises:

determining a payment amount corresponding to the user identifier;

determining interest counting days corresponding to the deposit period;

and determining interest to draw according to the amount to draw, the interest rate value and the interest-counting days.

Optionally, before determining the corresponding interest rate value, the method further comprises:

acquiring user deposit amount and user information corresponding to the user identification, and calling a pricing parameter model to evaluate the user deposit amount and the user information to generate a pricing parameter;

and generating a pricing parameter table according to the pricing parameters.

Optionally, before generating the pricing parameter table from the pricing parameters, the method further comprises:

displaying the pricing parameters to a user corresponding to the user identification, and acquiring feedback information of the user on the pricing parameters;

and adjusting the pricing parameters according to the feedback information.

In addition, the present application also provides an interest processing apparatus, comprising:

the receiving unit is configured to receive the deposit drawing request, acquire the corresponding user identification and drawing time and further determine the corresponding account balance and deposit term according to the user identification and the drawing time;

the interest rate value determining unit is configured to call a transaction interface, determine the layered amount and the layered period according to the account balance and the deposit period through the constructed layered array model, and determine the corresponding interest rate value based on the layered amount and the layered period through the pricing parameter table;

a drawing interest determination unit configured to invoke the interest calculation component to determine a drawing interest based on the interest value and the deposit term, and to perform the issuance of the deposit requested to be drawn based on the drawing interest.

Optionally, the interest rate value determination unit is further configured to:

Optionally, the withholding interest determination unit is further configured to:

determining a payment amount corresponding to the user identifier;

determining interest counting days corresponding to the deposit period;

and generating a pricing parameter table according to the pricing parameters.

and adjusting the pricing parameters according to the feedback information.

In addition, the present application also provides an interest processing electronic device, including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the interest processing method as described above.

In addition, the present application also provides a computer readable medium, on which a computer program is stored, which when executed by a processor implements the interest processing method as described above.

To achieve the above object, according to still another aspect of embodiments of the present application, there is provided a computer program product.

A computer program product according to an embodiment of the present application includes a computer program, and when the computer program is executed by a processor, the computer program implements the interest processing method according to an embodiment of the present application.

One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of receiving a deposit drawing request, obtaining a corresponding user identifier and drawing time, and further determining a corresponding account balance and a deposit term according to the user identifier and the drawing time; calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table; invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest. Therefore, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the period of deposit during drawing, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a further understanding of the application and are not to be construed as limiting the application. Wherein:

FIG. 1 is a schematic view of a main flow of an interest processing method according to a first embodiment of the present application;

FIG. 2 is a schematic diagram of a main flow of an interest processing method according to a second embodiment of the present application;

FIG. 3 is a schematic diagram of an application scenario of an interest processing method according to a third embodiment of the present application;

FIG. 4 is a schematic diagram of the main elements of an interest processing apparatus according to an embodiment of the present application;

FIG. 5 is an exemplary system architecture diagram to which embodiments of the present application may be applied;

fig. 6 is a schematic structural diagram of a computer system suitable for implementing the terminal device or the server according to the embodiment of the present application.

Detailed Description

The following description of the exemplary embodiments of the present application, taken in conjunction with the accompanying drawings, includes various details of the embodiments of the application for the understanding of the same, which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

Fig. 1 is a schematic view of a main flow of an interest processing method according to a first embodiment of the present application, and as shown in fig. 1, the interest processing method includes:

step S101, receiving a deposit drawing request, obtaining a corresponding user identification and drawing time, and further determining a corresponding account balance and a deposit term according to the user identification and the drawing time.

In this embodiment, the executing entity (for example, a server) of the interest processing method may receive the deposit withdrawal request through a wired connection or a wireless connection. After receiving the deposit withdrawal request, the execution subject may obtain the corresponding user identifier and withdrawal time. The user identifier may be, for example, an identity card number, a mobile phone number, a user name, and the like of the user who withdraws money, and the specific content of the user identifier is not limited in this application embodiment. The drawing time is the date of drawing by the user, for example, 12 months and 12 days in 2021. The execution body may also acquire the deposit time corresponding to the deposit withdrawal request, that is, the time when the deposit is started, for example, 11/10/2021. The executing agent may query, according to the user identifier, an account balance on an account corresponding to the user identifier at the withdrawal time, that is, an account balance when the withdrawal has not been performed this time, for example, when the withdrawal time is 2021, 12 months and 12 days, the account balance on the account corresponding to the user identifier is 1000 ten thousand yuan. The deposit term may be calculated based on the difference between the withdrawal time and the deposit time, for example, the deposit is started at 11/10 days in 2021, and the withdrawal time is 12/12 days in 2021, so that the deposit term is 32 days.

And step S102, calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table.

A transaction interface: and using the two-dimensional array for inputting the amount, the period and the interest rate value of each file when the user interest rate bargains. When the user stores the interest information, the user can choose to count the default price of the product, or the user can consult the interest information one by one, and after the user stores the interest information, the user stores the interest information in a database table for calling at any time.

Specifically, prior to determining the corresponding interest rate value, the method further comprises:

acquiring user deposit amount and user information corresponding to the user identification, and calling a pricing parameter model to evaluate the user deposit amount and the user information to generate a pricing parameter; and generating a pricing parameter table according to the pricing parameters.

Specifically, the executive body can set the pricing parameters of the product according to the business needs, can set the listing interest rate plus or minus floating points or fixed interest rate value, and can also set the price and the interest according to the negotiation interest rate by one user.

For example, the pricing parameter table is shown in table 1 (table 1 is exemplary only and not limiting for the present application):

TABLE 1 pricing parameter Table

Specifically, before generating the pricing parameter table according to the pricing parameters, the method further comprises:

displaying the pricing parameters to a user corresponding to the user identification, and acquiring feedback information of the user on the pricing parameters; and adjusting the pricing parameters according to the feedback information.

The executive subject presents the generated pricing parameter table to the user, and obtains feedback information of the user on each parameter in the pricing parameter table, for example, a value of interest of a deposit duration of 100 ten thousand for 3 months is modified from 2% to 3%, which is only used as an example and is not used for limiting the embodiment of the application. The execution subject, upon receiving the feedback information, may score the feedback information to determine whether to modify the corresponding value of interest according to the opinion of the feedback information based on the score. Specifically, the scoring mode is not limited in the embodiments of the present application.

Specifically, the step of determining the layering amount and the layering period comprises the following steps:

determining the layered amounts lower than the account balance, and performing descending ordering on the layered amounts lower than the account balance; and determining the first ranked tiered money amount as the tiered money amount corresponding to the account balance.

Specifically, determining the layering amount and the layering period further comprises:

determining the layering time limit lower than the deposit time limit, and performing descending sorting on the layering time limits lower than the deposit time limit; the first-ranked tier period is determined as a tier period corresponding to the deposit period.

By way of example, the database query interest rate statement is as follows: and (4) downwards grading the sum and the deadline, screening records of which the layered sum is less than or equal to the account balance and the deadline days are less than or equal to the deadline days when the user draws, sequencing the records from large to small, and taking the nearest interest rate parameter as the interest rate value when the user draws.

Step S103, calling an interest calculation component to determine the interest to be drawn based on the interest value and the deposit time limit, and then executing the release of the deposit requested to be drawn based on the interest to be drawn.

Specifically, determining interest to draw based on the interest value and the deposit deadline includes:

determining a payment amount corresponding to the user identifier;

determining interest counting days corresponding to the deposit period;

For example, when the user account is drawn, the executive subject may automatically calculate the interest-counting days from the deposit date to the drawing date and the closing time limit (closing time means that the final profit rate is related to the length of the investment time limit, and the longer the time limit is, the higher the profit rate is (or the smaller the interest rate loss) if the drawing is made in advance, the traditional fixed deposit is that the annual rate of 1.95% is directly reduced to 0.3%, and the closing time limit is 1.95% to the nearest first 1.69%, and the difference between the former and the latter is very large), and search the interest rate table to obtain the corresponding interest rate value according to the account balance before drawing.

When drawing, the amount of interest is drawn, the value of interest rate/360 days of interest

Interest rate values (which may be annual interest rate values, for example) are determined by account balance at draw, deposit duration: and obtaining the annual interest rate according to the balance and the period. The database query interest rate statement is as follows: and (4) downwards grading the sum and the deadline, screening records of which the layered sum is less than or equal to the account balance and the deadline days are less than or equal to the deadline days when the user draws, sequencing the records from large to small, and taking the nearest interest rate parameter as the interest rate value when the user draws.

For example, if the user has a deposit of 1000 ten thousand, the maximum duration is agreed to be 1 year. Then according to the pricing parameter table of table 1:

after 32 days, 500 ten thousand are drawn, the rest 500 ten thousand are drawn, the balance of the account before drawing is graded, the interest rate of 1000 ten thousand in 1 month is 7 percent, and the interest is as follows: 500 ten thousand 7%/360% 32 ═ 31111.11;

after 100 days, drawing 200 ten thousand for the second time, and remaining 300 ten thousand, leaning against the file according to the account balance before drawing, and the interest rate of 500 ten thousand for 3 months is 6%, and the interest is as follows: 200 ten thousand 6%/360 100 ═ 33333.33;

after 200 days, 100 ten thousand are collected for the third time, the remaining 200 ten thousand are collected, the balance of the account before collection is graded, the interest rate of 300 ten thousand in 6 months is 5%, and the interest is as follows: 100 ten thousand 5%/360% 200 27777.78;

after 280 days, 100 ten thousand are drawn for the fourth time, the rest 100 ten thousand are drawn, the balance of the account before drawing is backed up, the interest rate of 9 months (discarding remainder) of 100 ten thousand on the back is 4 percent, and the interest is as follows: 100 ten thousand 4%/360% 280 ═ 31111.11;

after 1 year, 100 ten thousand concurrent sales accounts are bought, the balance of the account before the purchase is bought, and the interest rate of 5% of the interest rate of 100 ten thousand 12 months is as follows: 100 ten thousand 5%/360% 50000.00;

the total interest is:

31111.11+33333.33+27777.78+31111.11+50000.00＝173,333.33

specifically, the issuing of the credit requested to be drawn is performed based on the drawing interest, including: and all the interest to be paid and the corresponding money to be paid are issued to the user.

In the embodiment, the corresponding user identification and the corresponding withdrawal time are obtained by receiving the deposit withdrawal request, and then the corresponding account balance and the deposit term are determined according to the user identification and the withdrawal time; calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table; invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest. Therefore, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the period of deposit during drawing, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

Fig. 2 is a schematic main flow chart of an interest processing method according to a second embodiment of the present application, and as shown in fig. 2, the interest processing method includes:

step S201, receiving a deposit withdrawal request, acquiring a corresponding user identifier and withdrawal time, and determining a corresponding account balance and a deposit term according to the user identifier and the withdrawal time.

In this embodiment, the execution subject (for example, a server) of the interest processing method may be connected by a wired connection or a wireless connection,

step S202, a transaction interface is called, and the layered amount and the layered time limit are determined according to the account balance and the deposit time limit through the constructed layered array model.

Step S203, determining the currency identification corresponding to the deposit drawing request, calling the corresponding currency database to determine the interest rate value corresponding to the currency identification based on the layered amount and the layered time limit.

The deposit interest rate of the account is determined in a more flexible mode through the variable account balance, namely the period of the original fixed interest is converted into the variable period. That is, the interest rate of the account is determined by the variable account balance (decreasing), variable term of deposit (increasing), and currency of the tiered equity.

The execution main body can determine the currency identification carried in the deposit payment request, and then call a pricing parameter table corresponding to the currency in a corresponding currency database according to the currency identification to determine the layered amount and the layered deadline value.

Step S204, calling an interest calculation component to determine the interest to be drawn based on the interest value and the deposit time limit, and then executing the release of the deposit requested to be drawn based on the interest to be drawn.

In the embodiment of the application, the interest of the public periodic deposit is dynamically changed according to the account balance, the deposit period and the currency in the interest mode of the public deposit product. The deposit rate of the public term deposit product is determined by 3 dimensions of account balance, period and currency, and the balance and period are dynamically updated along with the drawing of the user. According to the flexible tiered pricing interest calculation method for the public fixed-period deposit, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the deposit period during drawing, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

Fig. 3 is a schematic view of an application scenario of an interest processing method according to a third embodiment of the present application. The interest processing method can be applied to the situation of getting public deposit products. As shown in fig. 3, the server 302 receives the deposit withdrawal request 301, obtains the corresponding user identifier 303 and withdrawal time 304, and determines the corresponding account balance 305 and deposit duration 306 according to the user identifier 303 and the withdrawal time 304. The server 302 calls the transaction interface 307, determines a layered amount 309 and a layered term 310 according to the account balance 305 and the deposit term 306 through the constructed layered array model 308, and further determines a corresponding interest rate value 312 based on the layered amount 309 and the layered term 310 through the pricing parameter table 311. Server 302 invokes interest calculation component 313 to determine draw interest 314 based on the interest value 312 and the deposit duration 306.

The method and the device for achieving the user fund flow can meet the requirements of the user on the maximization of the yield. The grade and the storage period of the money can be parameterized and set in a product pricing layer to meet the requirements of different users. When the user regularly accesses the product, the user can enjoy the discount rate of the tiered pricing as long as the user selects the product. When the user needs to use the fund, the fund can be drawn at any time, and the drawn part of the fund can be paid by the file according to the periodic interest rate instead of the current interest rate. At the same time, the remaining funds may continue to be deposited on the product, and higher interest rates may continue to be enjoyed as the term increases.

Fig. 4 is a schematic diagram of the main units of an interest processing apparatus according to an embodiment of the present application. As shown in fig. 4, the interest processing apparatus includes a receiving unit 401, an interest rate value determining unit 402, and a drawing interest determining unit 403.

A receiving unit 401 configured to receive a deposit withdrawal request, obtain a corresponding user identifier and withdrawal time, and determine a corresponding account balance and a deposit term according to the user identifier and the withdrawal time;

a interest rate value determination unit 402 configured to invoke a transaction interface, determine a layered amount and a layered term according to the account balance and the deposit term respectively through the constructed layered array model, and determine a corresponding interest rate value based on the layered amount and the layered term through a pricing parameter table;

a drawing interest determination unit 403 configured to invoke the interest calculation component to determine a drawing interest based on the interest value and the deposit term, and to perform the issuance of the deposit requested to be drawn based on the drawing interest.

In some embodiments, the interest rate value determination unit 402 is further configured to: and determining the currency identification corresponding to the deposit drawing request, and calling the corresponding currency database to determine the interest rate value corresponding to the currency identification based on the layered amount and the layered time limit.

In some embodiments, the interest rate value determination unit 402 is further configured to: determining the layered amounts lower than the account balance, and performing descending ordering on the layered amounts lower than the account balance; and determining the first ranked tiered money amount as the tiered money amount corresponding to the account balance.

In some embodiments, the interest rate value determination unit is further configured to: determining the layering time limit lower than the deposit time limit, and performing descending sorting on the layering time limits lower than the deposit time limit; the first-ranked tier period is determined as a tier period corresponding to the deposit period.

In some embodiments, the fetching interest determination unit 403 is further configured to: determining a payment amount corresponding to the user identifier; determining interest counting days corresponding to the deposit period; and determining interest to draw according to the amount to draw, the interest rate value and the interest-counting days.

In some embodiments, the interest rate value determination unit 402 is further configured to: acquiring user deposit amount and user information corresponding to the user identification, and calling a pricing parameter model to evaluate the user deposit amount and the user information to generate a pricing parameter; and generating a pricing parameter table according to the pricing parameters.

In some embodiments, the interest rate value determination unit 402 is further configured to: displaying the pricing parameters to a user corresponding to the user identification, and acquiring feedback information of the user on the pricing parameters; and adjusting the pricing parameters according to the feedback information.

It should be noted that the interest processing method and the interest processing apparatus of the present application have corresponding relation in specific implementation contents, and therefore, the repeated contents are not described again.

Fig. 5 shows an exemplary system architecture 500 to which the interest processing method or the interest processing apparatus of the embodiments of the present application may be applied.

As shown in fig. 5, the system architecture 500 may include

terminal devices

501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the

terminal devices

501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. The

terminal devices

501, 502, 503 may have various communication client applications installed thereon, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (for example only).

The

terminal devices

501, 502, 503 may be various electronic devices having interest processing screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

Server 505 may be a server providing various services, such as a background management server (for example only) that supports credit withdrawal requests submitted by users using

terminal devices

501, 502, 503. The background management server can receive the deposit drawing request, acquire the corresponding user identification and drawing time, and further determine the corresponding account balance and deposit term according to the user identification and the drawing time; calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table; invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest. Therefore, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the period of deposit during drawing, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

It should be noted that the interest processing method provided in the embodiment of the present application is generally executed by the server 505, and accordingly, the interest processing apparatus is generally disposed in the server 505.

It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 6, shown is a block diagram of a computer system 600 suitable for use in implementing a terminal device of an embodiment of the present application. The terminal device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM603, various programs and data necessary for the operation of the computer system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a signal processing section such as a Cathode Ray Tube (CRT), a liquid crystal credit authorization inquiry processor (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

In particular, according to embodiments disclosed herein, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments disclosed herein include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present application are executed when the computer program is executed by the Central Processing Unit (CPU) 601.

It should be noted that the computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may include, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present application may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a receiving unit, an interest rate value determining unit, and a draw interest determining unit. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present application also provides a computer-readable medium, which may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by the device, the device receives a deposit withdrawal request, acquires a corresponding user identifier and withdrawal time, and further determines a corresponding account balance and a corresponding deposit term according to the user identifier and the withdrawal time; calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through the constructed layered array model, and further determining a corresponding interest value based on the layered amount and the layered time limit through a pricing parameter table; invoking an interest calculation component to determine a drawn interest based on the interest value and the deposit deadline, and further performing the issuing of the deposit requested to be drawn based on the drawn interest.

The computer program product of the present application, comprising a computer program which, when executed by a processor, implements the interest processing method of the embodiments of the present application.

According to the technical scheme of the embodiment of the application, the user can draw at any time, the interest rate value of the account is dynamically determined according to the balance of the account before drawing and the period of deposit during drawing by virtue of the instant clearness, and the user can obtain higher interest income on the basis of meeting the liquidity of funds.

The above-described embodiments should not be construed as limiting the scope of the present application. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. An interest processing method, comprising:

calling a transaction interface, determining a layered amount and a layered time limit according to the account balance and the deposit time limit through a constructed layered array model, and further determining a corresponding value of interest based on the layered amount and the layered time limit through a pricing parameter table;

invoking an interest calculation component to determine a draw interest based on the interest value and the deposit deadline, and further performing the issuance of the deposit requested to be drawn based on the draw interest.

2. The method of claim 1, wherein determining the corresponding interest rate value comprises:

and determining a currency identification corresponding to the deposit drawing request, and calling a corresponding currency database to determine an interest rate value corresponding to the currency identification based on the layered amount and the layered time limit.

3. The method of claim 1, wherein determining a tiered amount, tiered deadline, comprises:

and determining the first ranked hierarchical amount as the hierarchical amount corresponding to the account balance.

4. The method of claim 3, wherein determining a tiered amount, a tiered deadline, further comprises:

determining the layering time limit lower than the deposit time limit, and performing descending sorting on the layering time limit lower than the deposit time limit;

and determining the first ranking layering period as the layering period corresponding to the deposit period.

5. The method of claim 1, wherein determining a draw interest based on the interest value and the deposit duration comprises:

determining a payment amount corresponding to the user identifier;

determining the number of interest counting days corresponding to the deposit period;

and determining interest to be drawn according to the drawing amount, the interest value and the number of days of interest.

6. The method of claim 1, wherein prior to said determining the corresponding interest rate value, the method further comprises:

and generating a pricing parameter table according to the pricing parameters.

7. The method of claim 6, wherein prior to said generating a pricing parameter table based on said pricing parameters, the method further comprises:

and adjusting pricing parameters according to the feedback information.

8. An interest processing apparatus, configured to:

the receiving unit is configured to receive a deposit drawing request, acquire a corresponding user identifier and drawing time, and further determine a corresponding account balance and a deposit term according to the user identifier and the drawing time;

the interest rate value determining unit is configured to call a transaction interface, determine a layered amount and a layered time limit according to the account balance and the deposit time limit respectively through a constructed layered array model, and further determine a corresponding interest rate value based on the layered amount and the layered time limit through a pricing parameter table;

a drawing interest determination unit configured to invoke an interest calculation component to determine a drawing interest based on the interest value and the deposit term, and to perform the issuance of the deposit requested to be drawn based on the drawing interest.

9. The apparatus of claim 8, wherein the interest value determination unit is further configured to:

10. The apparatus of claim 8, wherein the interest value determination unit is further configured to:

11. The apparatus of claim 10, wherein the interest value determination unit is further configured to:

12. The apparatus of claim 8, wherein the pickup interest determination unit is further configured to:

determining a payment amount corresponding to the user identifier;

13. The apparatus of claim 8, wherein the interest value determination unit is further configured to:

and generating a pricing parameter table according to the pricing parameters.

14. An interest processing electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.

15. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the method of any one of claims 1-7.

16. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-7 when executed by a processor.