CN101674429A - Television with function of interest calculation - Google Patents
Television with function of interest calculation Download PDFInfo
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- CN101674429A CN101674429A CN200910034535A CN200910034535A CN101674429A CN 101674429 A CN101674429 A CN 101674429A CN 200910034535 A CN200910034535 A CN 200910034535A CN 200910034535 A CN200910034535 A CN 200910034535A CN 101674429 A CN101674429 A CN 101674429A
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Abstract
The invention provides a television with a function of interest calculation. The television comprises a subscriber interface unit, an interest generation unit and an interest calculation unit. The invention enables a conventional television to have the function of interest calculation, can meet the basic financing requirement of subscribers, has visualized input interfaces and display interface and is convenient for the subscribers to use.
Description
Technical field
The present invention relates to a kind of television set, more specifically, relate to a kind of television set with function of interest calculation.
Background technology
Television set is the very high household electrical appliance of popularization degree, and almost every household all has at least one television set, is the electronic product that users are familiar with the most.But existing television set is mainly used in TV reception, its additional function is program navigating, picture-in-picture, subscription and video recording etc. for example, also all be for making the better purpose of TV reception of spectators, thereby present television set more is a kind of simple TV broadcasting and receiving terminal.
Because television set popularity rate height, easy and simple to handle, thereby be very suitable on the basis of existing television set, adding new functional unit or parts, increase the additional purpose of television set, make it become a kind of electrical equipment with multiple utility function.Particularly should be in television set more integrated and closely-related functional unit of daily life problem or parts make the user when running into some problems concerning life, can use these functions of television set scheme that achieves a solution immediately.
It is exactly a problem that often runs in the daily life that deposit, loan interest are calculated.Because its situation more complicated, if the kind of depositing, provide a loan that particularly relates to is different with the time limit, corresponding interest rate and account form are also different.Thereby, concerning great majority are not financial professional person's user, accurately deposit, loan interest calculates and have bigger difficulty.Along with the management of personal money idea is rooted in the hearts of the people, people more and more need the product that can provide convenience for the calculating of this financial aspect.
Also exist part to carry out the special calculator of this class financial calculations on the market, but great majority are designed for the professional person, it operates relative complex, and is also directly perceived inadequately to the demonstration of result of calculation, so popularization degree is not high.
At present, also will not deposit in the prior art, the assembly of elements of loan interest computing function is integrated in the television set, makes television set have the product of correlation computations function.Therefore, need a kind ofly can to deposit, loan interest is calculated and the television set of query function.
Summary of the invention
At the demand, the invention provides a kind of television set with function of interest calculation, it has added new unit in television set, can realize interest on deposit calculating, and loan interest is calculated, functions such as housing loan interest calculating.
Television set with function of interest calculation of the present invention comprises user interface section, interest rate generation unit and interest computing unit, wherein:
User interface section, the type of calculating according to interest is that wherein which interest on deposit calculating, loan interest calculating or housing loan interest calculate, show corresponding interest calculating parameter inputting interface, and obtain the interest calculating parameter that the user imports, the interest calculating parameter is offered the interest computing unit; Obtain interest result of calculation from the interest computing unit, described interest result of calculation is exported at demonstration interest result of calculation interface;
The interest rate generation unit receives also storage interest rate, and bears interest to the interest computing unit and to calculate the interest rate that uses;
The interest computing unit carries out interest calculating according to interest calculating parameter that is obtained and interest rate, and interest result of calculation is offered user interface section.
When the type of interest calculating was interest on deposit calculating, described interest calculating parameter comprised deposit-type, deposit time limit, amount deposited.The interest rate generation unit provides the corresponding interest rate of importing with the user of deposit-type to the interest computing unit.The interest computing unit calculates acquisition interest result of calculation according to the interest calculating parameter and the interest rate that are obtained according to predetermined interest computing formula.
When the type of interest calculating was loan interest calculating, described interest calculating parameter comprised mode of repayment, the length of maturity, the amount of the loan.The interest rate generation unit is to the interest computing unit interest rate of offering a loan.The interest computing unit is selected and the predetermined accordingly interest computing formula of mode of repayment according to the interest calculating parameter and the interest rate that are obtained, calculates and obtains interest result of calculation.
When the type of interest calculating was the calculating of housing loan interest, described interest calculating parameter comprised commercial loans mode of repayment, the commercial loans amount of money, commercial loans time limit, common reserve fund loan repayment mode, the common reserve fund amount of the loan, the common reserve fund length of maturity.The interest rate generation unit provides commercial loan interest rate and common reserve fund loan interest rate to the interest computing unit.The interest computing unit is selected and the predetermined accordingly interest computing formula of mode of repayment, and is selected commercial loan interest rate or common reserve fund loan interest rate according to described commercial loans mode of repayment or common reserve fund loan repayment mode, calculates and obtains interest result of calculation.
Preferably, described interest rate generation unit obtains described interest rate by the network interface of television set.
Perhaps, the interest rate that described interest rate generation unit receives and storage is imported by the user.In this case, when calculating interest on deposit, user interface section explicit user stated rate interface offers the interest rate generation unit with the deposit rate by user's input that obtains.When calculating loan interest, user interface section explicit user stated rate interface offers the interest rate generation unit with the loan interest rate by user's input that obtains.When calculating the housing loan interest, the user interface section explicit user is set the common reserve fund loan interest rate and the user sets the commercial loan interest rate interface, and common reserve fund loan interest rate and the commercial loan interest rate by user's input that obtains offered the interest rate generation unit.
Further, the interest computing unit can be according to the interest that calculate to obtain, and then figure interest total value and sum total of the principal plus interest and offer user interface section; User interface section is by described interest result of calculation interface output gross interest and sum total of the principal plus interest.
Preferably, described user interface section comprises display interface and interface function.Described interface function calls corresponding display interface, and obtains the interest calculating parameter of user by the display interface input.
User interface section and interest rate generation unit obtain described interest calculating parameter and interest rate by interface function; Described interest computing unit receives described interest calculating parameter and interest rate by interface function and carries out interest and calculate.
Preferably, the type of calculating when interest is interest on deposit when calculating, and the interface function of described user interface section comprises that the user is provided with that deposit rate interface, deposit-type are provided with interface, the deposit time, interface was set and credit is provided with interface.The type of calculating when interest is a loan interest when calculating, and the interface function of described user interface section comprises that the user is provided with that loan interest rate interface, loan repayment style interface, loan time are provided with interface, loan interest is calculated interface.The type of calculating when interest is a housing loan interest when calculating, and the interface function of described user interface section comprises that common reserve fund loan repayment style interface, user are provided with that common reserve fund loan interest rate interface, common reserve fund length of maturity interface, common reserve fund size of the loan interface, commercial loans are repaid style interface, the user is provided with commercial loan interest rate interface, commercial loans quantity interface, commercial loans time limit interface.
By the present invention, make traditional television set have the function that interest is calculated, can satisfy the basic financing needs of user.Have inputting interface and display interface intuitively, be user-friendly to.Thereby, can satisfy the user's request of diversification, bring new function to experience to the user.
Description of drawings
The present invention is further detailed explanation below in conjunction with the drawings and specific embodiments:
Fig. 1 is the overall construction drawing of the embodiment of the invention;
Fig. 2 is used for the display interface that interest on deposit is calculated in the embodiment of the invention;
Fig. 3 is used for the display interface that the housing loan interest is calculated in the embodiment of the invention.
Embodiment
In order to make those skilled in the art person understand technical scheme of the present invention better, and above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with embodiment and embodiment accompanying drawing.
Fig. 1 is the overall construction drawing of the embodiment of the invention.As shown in Figure 1, integrated user interface section 101, interest computing unit 102 and interest rate generation unit 103 in the television set of the present invention.
The type that user interface section 101 calculates according to interest is that wherein which interest on deposit calculating, loan interest calculating or housing loan interest calculate, and shows corresponding interest calculating parameter inputting interface.The user imports the interest calculating parameter by this inputting interface.The interest calculating parameter is offered interest computing unit 102.Interest rate generation unit 103 is used for receiving and the storage interest rate, and bears interest to interest computing unit 102 and to calculate the interest rate that uses.Interest computing unit 102 carries out interest calculating acquisition interest result of calculation according to interest calculating parameter that is obtained and interest rate, and interest result of calculation is offered user interface section 101.Described interest result of calculation is exported at user interface section 101 demonstration interest result of calculation interfaces.
For different types of television set, itself and user carry out mutual interface and are not quite similar.Thereby, thereby in order to realize the compatibility that improves said units among the present invention mutually between said units of the present invention and the user, in order to realize said units of the present invention communication each other, user interface section 101 of the present invention, interest computing unit 102 and interest rate generation unit 103 have all defined the corresponding interface function simultaneously.
Divide interest on deposit calculating, loan interest calculating or housing loan interest to calculate the course of work that three kinds of situations illustrate television set of the present invention below.
Under the situation that interest on deposit is calculated, user interface section 101 is the deposit-type inputting interface shown in the calling graph 2A at first, and the directionkeys moving cursor that the user can use a teleswitch is selected a kind of deposit-type wherein, as " current ".User interface section 101 obtains corresponding deposit-type parameter by user's selection, and accesses the inputting interface with the corresponding interest on deposit calculating parameter of user-selected deposit-type, " current " interface shown in Fig. 2 B.The user still can use the directionkeys of TV remote controller to select certain project from this interface, and uses numerical key to insert correlated digital.The content that user interface section 101 is inserted according to the user determines that deposit time limit and amount deposited are as the interest calculating parameter.Then, user interface section 101 sends to interest computing unit 102 to the interest calculating parameter.
Interest rate generation unit 103 provides and the corresponding deposit rate of deposit-type to interest computing unit 102.Interest rate generation unit 103 can be connected with the network interface of television set, regularly or in real time obtains the deposit rate of various types of deposits (as, current, a term is regular, triennial regularly etc.) by network.This deposit rate also can directly be imported by the user.Shown in Fig. 2 B, the user can " interest rate " hurdle input therein calculate the interest rate that uses, and the deposit rate by user's input that user interface section 101 will obtain offers interest rate generation unit 103 and preserves
Interest computing unit 102 carries out interest calculating acquisition interest result of calculation according to predetermined algorithm according to interest calculating parameter that is obtained and interest rate.The pre-defined algorithm here is:
Interest=interest rate * deposit time limit * amount deposited
Interest result of calculation sends user interface section 101 to and exports with interest result of calculation interface, shown in the display interface among Fig. 2 C.
Interest computing unit 102 can also further calculate and obtain sum total of the principal plus interest according to the interest of calculating acquisition, gets interest etc. in fact, and together is shown on the display interface of Fig. 2 C.
In the interest on deposit calculation process, shown in Fig. 2 D, user interface section 101 needs invoke user that deposit rate interface HSInterestSetRateByUser is set, by the user deposit rate is set by this interface, and calls the type that deposit-type is provided with interface HSInterestSetDepositType acquisition deposit.The user is provided with interest rate interface HSInterestSetRateByUser the interest rate that this interest rate sends interest rate generation unit 103 to is obtained interface HSInterestGetRateFromDrv, perhaps introduce, obtain interface HSInterestGetRateFromDrv regularly or in real time obtains various types of deposits by network interest rate by this interest rate as top.User interface section 101 continues to call that the deposit time is provided with interface HSInterestSetDepositTime and credit is provided with time bar and the amount deposited that interface HSInterestSetDepositNum obtains deposit.
The calculating parameter that obtains from above interface is transmitted to interest computing unit 102.Whether this interest computing unit 102 calls to draw on schedule and calculates interface HSWithDrawalOnPrincipalTimeCalc and calculate to belong on schedule for fixed deposit and draw, and utilizes interest on deposit to calculate interface HSDepositInterestCalc and calculate interest on deposit.
Similar with interest on deposit calculating, under the situation that loan interest is calculated, described user interface section 101 obtains interest calculating parameters such as modes of repayment, the length of maturity, the amount of the loan.Interest rate generation unit 103 obtains loan interest rate.Interest computing unit 102 is at first according to mode of repayment selection predetermined interest computing formula correspondingly.
As, under single-candidate principal and interest mode of repayment, select following computing formula:
Repaid capital with interest in every month the amount of money=[amount of the loan * rate per month * (1+ rate per month) the * length of maturity]/[(1+ rate per month) * refund month number-1]
Under single-candidate capital mode of repayment, select following computing formula:
The amount of money=(amount of the loan/refund month number)+(amount of the loan-accumulative total has been gone back capital) the * rate per month of repaying capital with interest in every month
To calculating the interest result of calculation that obtains, be shown to TV user by user interface section 101.
In the course of work that loan interest is calculated, user in user interface section 101 calling graphs 3 is provided with loan interest rate interface HSLoanSetLoanRateByUser loan interest rate is set, the interest rate that this interest rate sends interest rate generation unit 103 to obtains interface HSInterestGetRateFromDrv, perhaps introduce, obtain interface HSInterestGetRateFromDrv by this interest rate and regularly or in real time obtain loan interest rate by network as top.User interface section 101 also calls the repayment type that loan repayment style interface HSLoanSetLoanPayType is provided with loan, the loan time is provided with interface HSLoanSetLoanTime the loan time is set, the size of the loan is provided with the dollar amount that interface HSLoanSetLoanNum is provided with loan, and above parameter is carried out the calculating of final loan interest with the loan interest calculating interface HSLoanInterestCalc that loan interest rate is transmitted to interest computing unit 102.
When the type of interest calculating is the calculating of housing loan interest, the interest calculating parameter inputting interface that user interface section 101 shows shown in Fig. 4 A.The interest calculating parameter that this interface obtained comprises commercial loans mode of repayment, the commercial loans amount of money, commercial loans time limit, common reserve fund loan repayment mode, the common reserve fund amount of the loan, the common reserve fund length of maturity.Interest rate generation unit 103 provides commercial loan interest rate and common reserve fund loan interest rate to interest computing unit 102.The interest computing unit is selected and the predetermined accordingly interest computing formula of mode of repayment according to described commercial loans mode of repayment or common reserve fund loan repayment mode:
As, under single-candidate principal and interest mode of repayment, select following computing formula:
Repaid capital with interest in every month the amount of money=[amount of the loan * rate per month * (1+ rate per month) the * length of maturity]/[(1+ rate per month) * refund month number-1]
Under single-candidate capital mode of repayment, select following computing formula:
The amount of money=(amount of the loan/refund month number)+(amount of the loan-accumulative total has been gone back capital) the * rate per month of repaying capital with interest in every month
For commercial loans, in above-mentioned formula, select commercial loan interest rate, then select the common reserve fund loan interest rate for use for the common reserve fund loan, calculate and obtain interest result of calculation.The display interface of interest result of calculation is shown in 4B.
When calculating the housing loan interest, shown in Fig. 4 C, user in user interface section 101 calling graphs is provided with above two kinds of modes of satisfaction that common reserve fund loan repayment style interface HSLoanSetFundPayType is provided with the common reserve fund loan, and invoke user is provided with common reserve fund loan interest rate interface HSLoanSetFundLoanRateByUser the common reserve fund loan interest rate is set, the interest rate that common reserve fund loan repayment type and interest rate are transmitted to interest rate generation unit 103 obtains interface HSInterestGetRateFromDrv, perhaps introduce, obtain interface HSInterestGetRateFromDrv by this interest rate and regularly or in real time obtain the common reserve fund loan interest rate by network as top.User interface section 101 is determined the common reserve fund length of maturity by common reserve fund length of maturity interface HSLoanSetFundLoanTime, utilize common reserve fund size of the loan interface HSLoanSetFundLoanNum to obtain the quantity of common reserve fund loan, above parameter is transmitted to the total interest of interest computing unit 102 and calculates the calculating that interface HSLoanCompositInterestCalc carries out final housing loan principal and interest.If the pattern of commercial loans, user in user interface section 101 calling graphs is provided with commercial loans and repays the mode of satisfaction that style interface HSLoanSetBusinessPayType is provided with commercial loans, and invoke user is provided with commercial loan interest rate interface HSLoanSetBusinessLoanRateByUser commercial loan interest rate is set, and commercial loans are repaid the interest rate that type and interest rate be transmitted to interest rate generation unit 103 and obtained interface HSInterestGetRateFromDrv.Obtain the dollar amount and the time limit of commercial loans respectively by commercial loans quantity interface HSLoanSetBusinessLoanNum and commercial loans time limit interface HSLoanSetBusinessLoanTime.Equally, the above calculating parameter total interest that is transmitted to interest computing unit 102 is calculated the calculating that interface HSLoanCompositInterestCalc carries out final housing loan principal and interest.
Above unit of the present invention all can be realized by hardware, software, firmware or its combination.Wherein user interface section 101 comprises display interface and interface function.Display interface is shown in Fig. 2-4, and it is stored in the television set internal storage, and interface function calls display interface, and obtains the interest calculating parameter of input from display interface.Each unit of the present invention adopt interface function carry out calculating parameter obtain with the unit between intercommunication mutually, thereby can cross over the difference between the various television set bottom circuit structures and realize corresponding function in each unit of the present invention, improved compatibility, be convenient to be transplanted in the middle of various types of television sets television set different hardware structure.
The above only is the embodiment of invention.Protection scope of the present invention is not limited thereto, and anyly is familiar with those skilled in the art in the technical scope that the present invention discloses, and the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection range that claim was defined.
Claims (10)
1. television set with function of interest calculation, it is characterized in that: described television set comprises user interface section, interest rate generation unit and interest computing unit, wherein:
User interface section, the type of calculating according to interest is that interest on deposit calculating, loan interest are calculated or the housing loan interest is calculated, show corresponding interest calculating parameter inputting interface, and obtain the interest calculating parameter of user's input, the interest calculating parameter is offered the interest computing unit; Obtain interest result of calculation from the interest computing unit, described interest result of calculation is exported at demonstration interest result of calculation interface;
The interest rate generation unit receives also storage interest rate, and bears interest to the interest computing unit and to calculate the interest rate that uses;
The interest computing unit carries out interest calculating according to interest calculating parameter that is obtained and interest rate, and interest result of calculation is offered user interface section.
2. television set according to claim 1 is characterized in that: described user interface section and described interest rate generation unit obtain described interest calculating parameter and interest rate by interface function; Described interest computing unit receives described interest calculating parameter and interest rate by interface function and carries out interest and calculate.
3. television set according to claim 2, it is characterized in that: the type of calculating when interest is interest on deposit when calculating, and the interface function of described user interface section comprises that the user is provided with that deposit rate interface, deposit-type are provided with interface, the deposit time, interface was set and credit is provided with interface.
4. television set according to claim 2, it is characterized in that: the type of calculating when interest is a loan interest when calculating, and the interface function of described user interface section comprises that the user is provided with that loan interest rate interface, loan repayment style interface, loan time are provided with interface, loan interest is calculated interface.
5. television set according to claim 2, it is characterized in that: the type of calculating when interest is a housing loan interest when calculating, and the interface function of described user interface section comprises that common reserve fund loan repayment style interface, user are provided with that common reserve fund loan interest rate interface, common reserve fund length of maturity interface, common reserve fund size of the loan interface, commercial loans are repaid style interface, the user is provided with commercial loan interest rate interface, commercial loans quantity interface, commercial loans time limit interface.
6. television set according to claim 1 is characterized in that: when the type of interest calculating was interest on deposit calculating, described interest calculating parameter comprised deposit-type, deposit time limit, amount deposited; Described interest rate generation unit provides the corresponding interest rate of importing with the user of deposit-type to described interest computing unit; Described interest computing unit calculates the described interest result of calculation of acquisition according to the interest calculating parameter and the interest rate that are obtained according to predetermined interest computing formula.
7. television set according to claim 1 is characterized in that: when the type of interest calculating was loan interest calculating, described interest calculating parameter comprised mode of repayment, the length of maturity, the amount of the loan; Described interest rate generation unit is to the described interest computing unit interest rate of offering a loan; Described interest computing unit is selected and the predetermined accordingly interest computing formula of described mode of repayment according to the interest calculating parameter and the interest rate that are obtained, calculates and obtains interest result of calculation.
8. television set according to claim 1, it is characterized in that: when the type of interest calculating was the calculating of housing loan interest, described interest calculating parameter comprised commercial loans mode of repayment, the commercial loans amount of money, commercial loans time limit, common reserve fund loan repayment mode, the common reserve fund amount of the loan, the common reserve fund length of maturity; Described interest rate generation unit provides commercial loan interest rate and common reserve fund loan interest rate to described interest computing unit; Described interest computing unit is selected and the predetermined accordingly interest computing formula of mode of repayment, and is selected commercial loan interest rate or common reserve fund loan interest rate according to described commercial loans mode of repayment or common reserve fund loan repayment mode, calculates and obtains interest result of calculation.
9. television set according to claim 1 is characterized in that: described interest rate generation unit obtains described interest rate by the network interface of television set.
10. television set according to claim 1 is characterized in that: the interest rate that described interest rate generation unit receives and storage is imported by the user.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910034535A CN101674429A (en) | 2009-09-17 | 2009-09-17 | Television with function of interest calculation |
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| Application Number | Priority Date | Filing Date | Title |
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| CN200910034535A CN101674429A (en) | 2009-09-17 | 2009-09-17 | Television with function of interest calculation |
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| CN101674429A true CN101674429A (en) | 2010-03-17 |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106599007A (en) * | 2015-10-20 | 2017-04-26 | 阿里巴巴集团控股有限公司 | Method and device for querying associated resources of internet information resources |
| CN108090016A (en) * | 2017-11-09 | 2018-05-29 | 中原银行股份有限公司 | A kind of computing device of financial product |
| CN108230164A (en) * | 2018-01-18 | 2018-06-29 | 中国平安人寿保险股份有限公司 | A kind of display methods, storage medium and the terminal device of product interests item |
| CN108230165A (en) * | 2018-01-18 | 2018-06-29 | 中国平安人寿保险股份有限公司 | A kind of computational methods of account value, storage medium and terminal device |
| CN108446971A (en) * | 2018-01-17 | 2018-08-24 | 链家网（北京）科技有限公司 | Housing loan information processing method and device |
| CN111192138A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Interest-counting processing method, device and equipment for transaction data |
-
2009
- 2009-09-17 CN CN200910034535A patent/CN101674429A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106599007A (en) * | 2015-10-20 | 2017-04-26 | 阿里巴巴集团控股有限公司 | Method and device for querying associated resources of internet information resources |
| CN106599007B (en) * | 2015-10-20 | 2020-10-02 | 阿里巴巴集团控股有限公司 | Method and device for inquiring related resources of internet information resources |
| CN108090016A (en) * | 2017-11-09 | 2018-05-29 | 中原银行股份有限公司 | A kind of computing device of financial product |
| CN108090016B (en) * | 2017-11-09 | 2022-08-26 | 中原银行股份有限公司 | Electronic calculator for financial products |
| CN108446971A (en) * | 2018-01-17 | 2018-08-24 | 链家网（北京）科技有限公司 | Housing loan information processing method and device |
| CN108230164A (en) * | 2018-01-18 | 2018-06-29 | 中国平安人寿保险股份有限公司 | A kind of display methods, storage medium and the terminal device of product interests item |
| CN108230165A (en) * | 2018-01-18 | 2018-06-29 | 中国平安人寿保险股份有限公司 | A kind of computational methods of account value, storage medium and terminal device |
| CN111192138A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Interest-counting processing method, device and equipment for transaction data |
| CN111192138B (en) * | 2019-12-24 | 2023-10-20 | 天阳宏业科技股份有限公司 | Method, device and equipment for processing information of transaction data |
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Open date: 20100317 |