CN102013075A - Financial product data distributing server and distributing method - Google Patents
Financial product data distributing server and distributing method Download PDFInfo
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- CN102013075A CN102013075A CN2009100920493A CN200910092049A CN102013075A CN 102013075 A CN102013075 A CN 102013075A CN 2009100920493 A CN2009100920493 A CN 2009100920493A CN 200910092049 A CN200910092049 A CN 200910092049A CN 102013075 A CN102013075 A CN 102013075A
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Abstract
The embodiment of the invention provides a financial product data distributing server and a distributing method. The server comprises a predistributing data generating unit, a predistributing data round-off unit, a distributing data verifying unit and a distributing data correcting unit. The embodiment of the invention improves the precision of data calculation in the process of income distributing data of a financial product, ensures that the income data of the financial product in the running process are precisely and fairly distributed among clients, is convenient for the running of the financial product and improves the client service level.
Description
Technical field
The present invention relates to the finance data process field, relate in particular to a kind of financial product data distribution server and distribution method.
Background technology
At present, marked change has appearred in the behavior of China resident financial consumption, and deposit no longer is unique financial asset, and financial product becomes the important component part of financial asset.Financial product has become the important substitute of savings gradually, and the scale of financial product is also in rapid expansion.
Financial product reaches the product total revenue that product need have been realized when product expires and distributes to all clients that hold this product in operation.Usually, the avail data assigning process is to come counting yield earning rate data according to the avail data of product realization and total share of financial product, distribute the rights and interests date of record in the avail data of financial product, the distribute data that is obtained according to each client of product earning rate data computation of share of wallet and finance product.
The inventor finds in realizing process of the present invention:
Because the restriction of computing machine aspect data space and computational accuracy at present makes product earning rate data price have certain error.When financial product larger, the difference that this error caused will no longer be a decimal fractions, and can be a big data computation mistake.For example: there is very big-difference in the gathering with the actual avail data that obtains of financial product of distribute data that will cause each client in the financial product that round up of product earning rate data precision position, financial product scale with 10,000,000,000 is an example, ten thousand/ product earning rate data pricing errors will cause 1,000,000 difference.
Secondly, single client owing to round up, also can cause effective yield data and the product earning rate data of client in the actual allocated process to have error in the actual gain assigning process.
To sum up, because computing machine is limited to the storage space and the computational accuracy of data, make the product earning rate data price of financial product have error, the avail data that obtains with the product actual operation that gathers that causes occurring client's distribute data there are differences, and the approximation error of single client in the actual allocated process, distribute data accurately can't be known in product operation side, insufficient funds may occur in the product fund trustship account and cash client's income, cause fully sell on credit and by bank's default interest.
Summary of the invention
The object of the present invention is to provide a kind of financial product data distribution server and distribution method, with solve owing to computing machine the restriction of the storage space of data and computational accuracy is caused the client distribute data gather with the product actual operation in the problem that there are differences of avail data.
To achieve these goals, the embodiment of the invention provides: a kind of financial product data distribution server, described server comprises: the predistribution data generating unit, be used for avail data, client's allocation proportion according to the described financial product of pre-stored, and generate client's predistribution data; The predistribution data round the unit, are used for obtaining the integral part of described predistribution data, and with the integral part of the described predistribution data distribute data as the client; The distribute data authentication unit, be used to detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data; The distribute data amending unit is used for obtaining the remainder part of described predistribution data according to described distribute data revision directive, and partly revises described distribute data according to the remainder of described predistribution data, exports revised distribute data.
According to present embodiment, described distribute data amending unit, also be used for described distribute data transferred increasing a precision position, and add the corresponding figure place of the remainder part of described predistribution data the precision position of described distribute data to, to revise described distribute data.
According to present embodiment, described distribute data authentication unit, also be used to detect described revised distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive.
According to present embodiment, described server also comprises: distribute confirmation unit, be used to confirm that current date is the distribution date of the described financial product of pre-stored, so that described predistribution data generating unit generates client's predistribution data.
According to present embodiment, described server also comprises: the distribute data sequencing unit is used for the remainder part according to described predistribution data, with described distribute data ordering; Described distribute data amending unit also is used for the result according to described ordering, partly revises described distribute data according to the remainder of described predistribution data.
To achieve these goals, the embodiment of the invention also provides: a kind of financial product data distributing method, and described method comprises: according to avail data, client's allocation proportion of the described financial product of pre-stored, generate client's predistribution data; Obtain the integral part in the described predistribution data, and with the integral part of the described predistribution data distribute data as the client; Detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data; According to described distribute data revision directive, obtain the remainder part of described predistribution data, and partly revise described distribute data according to the remainder of described predistribution data, export revised distribute data.
According to present embodiment, described remainder according to described predistribution data is partly revised described distribute data, comprise: described distribute data is transferred increase a precision position, and add the corresponding figure place of the remainder of described predistribution data part the precision position of described distribute data to, to revise described distribute data.
According to present embodiment, the described distribute data of described detection and whether equal described avail data, also comprise: detect described revised distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive.
According to present embodiment, before the predistribution data that generate the client, described method also comprises: confirm that current date is the distribution date of the described financial product of pre-stored.
According to present embodiment, before partly revising described distribute data according to the remainder of described predistribution data, described method also comprises: according to the remainder part of described predistribution data, with described distribute data ordering, with result according to ordering, revise described distribute data, make client's priority allocation that remainder is bigger like this.
Financial product data distribution server and distribution method that the embodiment of the invention provides, in the avail data assigning process of financial product, by the integral part of predistribution data and the remainder part of these predistribution data are distributed respectively, thereby make that the avail data of financial product can be between its client accurately, fair distribution, improved the degree of accuracy of data computation in the data handling procedure that the financial product avail data distributes, eliminated the uncertainty that gathers the amount of money in the avail data assigning process, make things convenient for the running of financial product, also improved level of customer service.In the assigning process of avail data, the integral part and the remainder part separate storage of predistribution data can also have been avoided can't preserving accurate distribute data owing to the restriction in Computer Storage space.
Description of drawings
Accompanying drawing described herein is used to provide further understanding of the present invention, constitutes the application's a part, does not constitute limitation of the invention.In the accompanying drawings:
Fig. 1 is the server architecture block diagram of the embodiment of the invention;
Fig. 2 is the server architecture block diagram of one embodiment of the invention;
Fig. 3 is the structured flowchart of the financial product data distribution system in another embodiment of the present invention;
Fig. 4 is the method flow diagram of the embodiment of the invention;
Fig. 5 is the method flow diagram of one embodiment of the invention;
Fig. 6 is the method flow diagram of the assigning process first of another embodiment of the present invention;
Fig. 7 is the method flow diagram of secondary distribution process of the embodiment of Fig. 6.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention is clearer,, the embodiment of the invention is described in further details below in conjunction with embodiment and accompanying drawing.At this, illustrative examples of the present invention and explanation thereof are used to explain the present invention, but not as a limitation of the invention.
For solve owing to computing machine the restriction of the storage space of data and computational accuracy is caused the client distribute data gather with the product actual operation in the problem that there are differences of avail data.
The embodiment of the invention provides a kind of financial product data distribution server, and with reference to Fig. 1, described server also comprises:
Predistribution data generating unit 11 is used for avail data, client's allocation proportion according to the described financial product of pre-stored, generates client's predistribution data;
The predistribution data round unit 12, are used for obtaining the integral part of described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
Distribute data authentication unit 13, be used to detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data;
Distribute data amending unit 14 is used for obtaining the remainder part of described predistribution data according to described distribute data revision directive, and partly revises described distribute data according to the remainder of described predistribution data, exports revised distribute data.
The server that is used for the financial product data allocations that the embodiment of the invention provides also can be realized by other servers with above-mentioned functions.
The server of the financial product data allocations that the embodiment of the invention provides, earlier round the distribute data of such as the integral part of the predistribution data that unit 12 will generate by the avail data of financial product etc. as the client by the predistribution data, partly revise client's distribute data again according to the remainder of predistribution data by distribute data amending unit 14, to export accurate distribute data, having solved restriction owing to the active computer precision makes client's the distribute data of output have the problem of error, improved the precision of data processing in the financial product data allocations processing procedure, and made that the total value and the avail data in the financial product operation of the distribute data in client's actual operation process are in full accord.In addition, in the assigning process of avail data, the integral part and the remainder part separate storage of predistribution data can also have been avoided can't preserving accurate distribute data owing to the restriction in Computer Storage space.
Embodiment one
The embodiment of the invention provides a kind of financial product data distribution server, be used for avail data assigning process at financial product, accurately, liberally the financial product avail data is distributed between its client, to solve owing to gather financial uncertainty in the avail data assigning process that the restriction of COMPUTER CALCULATION precision causes, below in conjunction with accompanying drawing present embodiment is elaborated, please refer to Fig. 2, described financial product data distribution server mainly comprises:
Predistribution data generating unit 21 is used for avail data, client's allocation proportion according to the described financial product of pre-stored, generates client's predistribution data;
The predistribution data round unit 22, are used for obtaining the integral part of described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
Distribute data authentication unit 23, be used to detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data;
Distribute data amending unit 24 is used for obtaining the remainder part of described predistribution data according to described distribute data revision directive, and partly revises described distribute data according to the remainder of described predistribution data, exports revised distribute data.
The embodiment of the invention, in the avail data of financial product in assigning process, with the integral part of client's predistribution data and the remainder part separate processes of these predistribution data, at first with the integral part of predistribution data distribute data as the client, if avail data is not distributed fully, then described distribute data is revised according to the remainder part of predistribution data by distribute data amending unit 24 again, to export accurate distribute data, thereby, solved active computer because there is the problem of error in the distribute data of the limited and feasible output of computational accuracy.
Wherein, described finance data distribution server can also comprise:
Wherein, described finance data distribution server can also comprise:
Distribute data sequencing unit 26 is used for the remainder part according to described predistribution data, with described distribute data ordering;
Described distribute data amending unit 24 also is used for the result according to described ordering, partly revises described distribute data according to the remainder of described predistribution data.
In embodiments of the present invention, described distribute data amending unit 24 is partly revised described distribute data according to the remainder of described predistribution data and is specifically as follows:
Described distribute data transferred increase a precision position, and add the corresponding figure place of the remainder part of described predistribution data the precision position of described distribute data to, to revise described distribute data.
In addition, described distribute data authentication unit 23, can also be used to detect described revised distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive.
Wherein, when distribute data authentication unit 23 is exported the distribute data revision directive once more, described distribute data amending unit 24 is according to this distribute data revision directive, can continue described revised distribute data is revised, up to revised distribute data and when equating with described avail data, just can finally export accurate distribute data.
The embodiment of the invention, in the avail data assigning process of financial product, by the integral part of predistribution data and the remainder part of these predistribution data are distributed respectively, thereby make can be between its client accurate, the fair distribution of avail data of financial product, improved the degree of accuracy of data computation in the data handling procedure that the financial product avail data distributes, eliminated the uncertainty that gathers the amount of money in the avail data assigning process, make things convenient for the running of financial product, also improved level of customer service.In addition, in the assigning process of avail data, can also be with the integral part and the remainder part separate storage of predistribution data, thus avoided because the restriction in Computer Storage space and can't preserve accurate distribute data.
Embodiment two
The embodiment of the invention is an example so that the financial product data distribution server is applied in the financial product data distribution system, is elaborated, and please refer to Fig. 3, and the financial product data distribution system can comprise:
Financial product data storage device 31 is used to store the related data of financial product and client's related data thereof;
Financial product data distribution server 32 is used for the avail data of financial product is distributed between its client.
Wherein, the related data of the financial product of pre-stored can comprise in the financial product data storage device 31: data such as the ID of financial product, title, avail data, total share, distribution date.
For example, the avail data of financial product record financial product is used for the total charge that this avail data is distributed.
Again for example, total share of financial product can write down the share that gathers that current all clients hold this financial product.
The client's of pre-stored related data can comprise in the financial product data storage device 31: data such as financial product transaction number of the account, financial product ID, share of wallet, client's fund number of the account and account status.
For example, financial product transaction number of the account can be used as the unique identification of client in this financial product data distribution system.
Again for example, share of wallet is held the share of this financial product for the client.
Again for example, client's fund number of the account can be used for the client the fund data cash processing.
In addition, can also store client's allocation proportion in financial product data storage device 31, this client's allocation proportion is the ratio of total share of share of wallet and financial product, can be used for the data allocation process of financial product.
Wherein, financial product data distribution server 32 mainly comprises:
Distribute confirmation unit 321, be connected, be used for confirming that current date is the distribution date of financial product data storage device 31, so that predistribution data generating unit 322 is when distributing the date, to start working on the current date with predistribution data generating unit 322.
Predistribution data generating unit 322 according to avail data and client's allocation proportion of pre-stored in the financial product data storage device 31, generates client's predistribution data;
Wherein, client's allocation proportion can generate with total share and according to this share of wallet and total share by the share of wallet that reads storage in the financial product data storage device 31, if in financial product data storage device 31, preserve, then can obtain by directly reading.
For example, predistribution data can obtain by the product of avail data and client's allocation proportion.
Again for example, the predistribution data can also be directly according to formula, and predistribution data=avail data * share of wallet/total share generate by the corresponding data that reads storage in the financial product data storage device 31.
The predistribution data round unit 323, be connected with predistribution data generating unit 322, obtain the integral part of predistribution data, and with the integral part of predistribution data distribute data as the client, thereby with the at first distribution between its client of integral part of predistribution data.
Earning rate data generating unit 324, rounding unit 323 with described predistribution data is connected, share of wallet according to pre-stored in described distribute data and the financial product data storage device 31, generate client's earning rate data, and, generate the product earning rate data of financial product according to total share of described avail data and pre-stored;
For example, client's earning rate data can be according to formula, and distribute data/share of wallet of client's earning rate data=client is generated by reading corresponding data by earning rate data generating unit 324.
Again for example, product earning rate data can be according to formula, and product earning rate data=avail data/total share is generated by reading corresponding data by earning rate data generating unit 324.
Distribute data authentication unit 325 rounds unit 323 with the predistribution data and is connected, be used to detect the client distribute data and whether equal avail data, if then export this distribute data, otherwise the revision directive of output distribute data.
Wherein, distribute data authentication unit 325 can also be exported product earning rate data and client's earning rate data that earning rate data generating unit 324 is generated in the output distribute data together.
Distribute data sequencing unit 326 according to the remainder part in the predistribution data, sorts client's distribute data, so that distribute data amending unit 326 according to the result of this ordering, is revised client's distribute data respectively.
For example, distribute data sequencing unit 326 can also be according to part of the remainder in the predistribution data and share of wallet, client's the distribute data outcome record that will comprise client's distribute data, client's earning rate data etc. sorts, so that distribute data amending unit 326 according to the result of this ordering, is revised client's distribute data outcome record respectively.
Distribute data amending unit 326, after receiving the distribute data revision directive that described distribute data authentication unit 325 sends, obtain the remainder part of described predistribution data, and according to this remainder part, distribute data to the client is revised, to export revised distribute data.
For example, if distribute data sequencing unit 326 sorts described client's distribute data outcome record, then 326 of this distribute data amending units can be after receiving the distribute data revision directive, according to the remainder part of predistribution data, client's distribute data outcome record is revised.
Again for example, distribute data amending unit 326 can be by at first increasing a precision position with client's distribute data, and the corresponding figure place of the remainder part of the predistribution data obtained is added to mode on this precision position of described distribute data, revise described distribute data.
Distribute data amending unit 326 adopts aforesaid ways that the client's that remains to be revised the distribute data result according to 326 orderings of distribute data sequencing unit is revised.That distribute data authentication unit 325 can also detect revised distribute data again and whether equate with avail data, if not, then continue the revision directive of output distribute data, at this moment, the distribute data that 326 of distribute data amending units adopt above-mentioned correcting modes to continue to treat all clients of correction is revised, up to revised distribute data and when equating with avail data, distribute data authentication unit 325 or the revised distribute data of distribute data amending unit 326 outputs.
Earning rate data correction unit 328 according to revised distribute data and share of wallet, regenerates client's earning rate data, to revise client's earning rate data and the product earning rate data that described earning rate data generating unit 324 is generated.
For example, client's earning rate data and the product earning rate data that earning rate data generating unit 324 is generated are replaced with the client's earning rate data that regenerate in earning rate data correction unit 328, to obtain accurate client's earning rate data and product earning rate data and output.Revised client's earning rate data and product earning rate data also can be with revised distribute data by distribute data authentication unit 325 or 326 outputs of distribute data amending unit.Perhaps, also revised distribute data and revised client's earning rate data and product earning rate data can be exported as client's distribute data outcome record.
In the present embodiment, the financial product data distribution server can also comprise that a distribute data rounds authentication unit (figure does not show), rounding the unit with the predistribution data is connected, be used to detect described predistribution data and round the predistribution the data whether unit has obtained all pending clients, and with the integral part of its predistribution data as client's distribute data, guaranteeing that described predistribution data round the unit all pending clients have been carried out allocation process, thereby guarantee the checking result's of described distribute data authentication unit correctness.
In the present embodiment, can also comprise in the financial product data distribution system that data cash treating apparatus (figure do not show), this cashes treating apparatus according to distribute data, client's earning rate data and the product earning rate data of preserving in the financial product data storage device 31, and client's fund data are cashed processing.
In the present embodiment, distribute data, client's earning rate data and the product earning rate data of output can also be preserved by financial product data storage device 31.
The embodiment of the invention, the financial product data distribution server is applied in the financial product data distribution system, round the allocation scheme that house is surplus and combination is revised by the employing of financial product data distribution server, the avail data of financial product is accurately distributed between the client, export client's distribute data accurately, the product earning rate data of accurate price financial product, overcome the defective that there is error in product earning rate price that the restriction owing to the active computer computational accuracy causes, so that the avail data of financial product in operation is accurate between its client, fair allocat, make things convenient for the running of financial product, also improved level of customer service.
For solve owing to computing machine the restriction of the storage space of data and computational accuracy is caused the client distribute data gather with the product actual operation in the problem that there are differences of avail data.
The embodiment of the invention also provides a kind of financial product data distributing method, and with reference to Fig. 4, described method mainly comprises:
401:, generate client's predistribution data according to avail data, client's allocation proportion of the described financial product of pre-stored;
402: obtain the integral part in the described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
403: detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive and forward step 404 to;
404: according to described distribute data revision directive, obtain the remainder part of described predistribution data, and partly revise described distribute data, export revised distribute data according to the remainder of described predistribution data.
The method that the embodiment of the invention provides can realize by a server that is used for the financial product data allocations, but the present invention is not as limit.
The financial product data distributing method that the embodiment of the invention provided, at first rounding the surplus method of house by employing distributes the avail data of financial product between its client, obtain client's distribute data, according to the remainder part of casting out client's distribute data is revised then, to export accurate distribute data, improve the precision of data processing in the financial product data allocation process, overcome client's the inaccurate defective of distribute data that restriction owing to the active computer computational accuracy makes output.In addition, in the assigning process of avail data, the integral part and the remainder part separate storage of predistribution data can also have been avoided can't preserving accurate distribute data owing to the restriction in Computer Storage space.
Embodiment three
Limited and the financial product avail data that causes is distributed the defective that has error in order to overcome the active computer computational accuracy, the embodiment of the invention provides a kind of financial product data distributing method, and with reference to Fig. 5, described method mainly comprises:
501:, generate client's predistribution data according to avail data, client's allocation proportion of the described financial product of pre-stored;
502: obtain the integral part in the described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
503: detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive and forward step 504 to;
504: according to described distribute data revision directive, obtain the remainder part of described predistribution data, and partly revise described distribute data, export revised distribute data according to the remainder of described predistribution data.
The embodiment of the invention, in the avail data of financial product in assigning process, by with the integral part of client's predistribution data and the remainder part separate processes of these predistribution data, at first with the integral part of predistribution data distribute data as the client, do not divide timing yet fully in avail data, according to the remainder part of predistribution data distribute data is revised again, to export accurate distribute data.Thereby, solved active computer because there is the problem of error in the distribute data of the limited and feasible output of computational accuracy.
Wherein, before step 501, described method can also comprise:
505: confirm that current date is the distribution date of the described financial product of pre-stored;
This step is to carry out during the date in the distribution of financial product in order to ensure step 501.
Wherein, before step 504, described method can also comprise:
506: according to the remainder part of described predistribution data, with described distribute data ordering, the result with according to ordering revises described distribute data.
This step is in order to make step 504 finish the correction of described distribute data according to the result of ordering, can to improve the correction efficient of step 504, and allows the big client's priority allocation of remainder, and it is fair to embody.
In embodiments of the present invention, the remainder according to described predistribution data in the described step 504 is partly revised described distribute data, is specifically as follows:
Described distribute data transferred increase a precision position, and add the corresponding figure place of the remainder part of described predistribution data the precision position of described distribute data to, to revise described distribute data;
In addition, described step 503 can also for:
Detect described revised distribute data and whether equal described avail data if then export described distribute data, if otherwise output distribute data revision directive and forward step 504 to.
Step 503 and step 504 can circulate and carry out, after the mode that step 503 adopts accent to increase a precision position all pending distribute data is revised, carry out step 504 again, detect revised distribute data and whether equal described avail data, if otherwise output distribute data revision directive, continue step 504, in step 503, detect revised distribute data and equate with described avail data, revised distribute data exported.
The method that the embodiment of the invention provided can realize by financial product data distribution server or other similar service devices.
The embodiment of the invention, the integral part of the predistribution data by the client that will generate and the remainder part of these predistribution data are distributed respectively, thereby make can be between its client accurate, the fair distribution of avail data of financial product, improved the degree of accuracy of data computation in the data handling procedure that the financial product avail data distributes, eliminated the uncertainty that gathers the amount of money in the avail data assigning process, make things convenient for the running of financial product, also improved level of customer service.In addition, in the assigning process of avail data, can also be with the integral part and the remainder part separate storage of predistribution data, thus avoided because the restriction in Computer Storage space and can't preserve accurate distribute data.
Embodiment four
The embodiment of the invention is assigned as example with the avail data of financial product and describes the financial product data distributing method in detail.
In order to reach avail data accurate, the fair allocat between its client in the financial product running, eliminate the uncertainty that gathers the amount of money in the avail data assigning process, financial product data distributing method provided by the present invention distributes avail data on the distribution date of financial product according to the avail data allocation of parameters of pre-stored between the client.The avail data of financial product is distributed can comprise assigning process and secondary distribution process first, wherein assigning process adopts and rounds the distribute data that the surplus method of house obtains the client first, the secondary distribution process then is partly to come the distribute data that assigning process first obtains is revised according to the remainder of casting out in the assigning process first, and, revise the error of product earning rate data according to the price that client's distribute data and share of wallet are finished client's earning rate data.
Wherein, please refer to Fig. 6, the assigning process first that the avail data of described financial product is distributed mainly comprises:
601: from machine clock, obtain system's current date, and read the distribution date of pre-stored, and confirm that system's current date is for distributing the date;
602: confirming that system's current date is when distributing the date, then start the assigning process first of avail data, read the avail data, client's allocation proportion of pre-stored etc., again according to formula: client's predistribution data=avail data * client allocation proportion generate client's predistribution data;
Perhaps, also can read share of wallet, avail data and total share of pre-stored, according to formula: client's predistribution data=share of wallet * avail data/total share generate client's predistribution data;
603: obtain the integral part of predistribution data, with the integral part of these predistribution data distribute data as the client; And according to formula, distribute data/share of wallet of client's earning rate data=client generates client's earning rate data;
Wherein, can also be according to formula: the integral part=DIV of predistribution data (share of wallet * avail data, or formula total share): the integral part=DIV of predistribution data (avail data * client allocation proportion) directly generates the integral part of predistribution data;
604: gather client's distribute data, according to formula: residue avail data=avail data-client's distribute data gather volume, generate the residue avail data;
Wherein, the residue avail data is the foundation of secondary distribution of income process;
605: described residue avail data, client's distribute data and client's earning rate data are preserved;
For example, above-mentioned data can be kept in the financial product data storage device.
606: judge whether that all pending clients all dispose, as otherwise change step 601 couple untreated client and proceed to handle.
With reference to Fig. 7, the idiographic flow of the secondary distribution process of described method is as follows:
701: obtain system's current date from machine clock, and read the distribution date of pre-stored, confirm that current date is the described distribution date;
702: confirm that current date is that described distribution is during the date, then start the secondary distribution process of avail data: the distribute data, the share of wallet that read pre-stored, and obtain the remainder part of described predistribution data, sort according to the remainder part of described predistribution data and share of wallet distribute data to the client;
For example, in assigning process first, can with the integral part of predistribution data and remainder partly separately and be kept in the memory storage in the financial product data storage device, at this moment, then can obtain by directly from memory storage, reading.
Again for example, can also pass through: by formula: the remainder part=MOD of predistribution data (share of wallet * avail data, total share), or the mode of the remainder part of the remainder part=MOD of predistribution data (avail data * client allocation proportion) generation predistribution data is obtained the remainder part of predistribution data.
Other implementations of this step describe in detail in embodiment two, repeat no more.
703: the distribute data of handling the client according to ranking results successively;
704: whether detect described residue avail data greater than zero,, otherwise forward step 708 to if forward step 705 to;
705: client's distribute data is increased by 1 precision unit, the numerical value of the corresponding figure place of the remainder part of predistribution data is added in the precision unit of described distribute data, thereby revise client's distribute data; And regenerate client's earning rate data according to the distribute data that accent increases;
706: the residue of examining and making cuts avail data, transfer the part that increases in the described distribute data of promptly in the residue avail data, examining and making cuts;
707: revised distribute data and client's earning rate data are preserved,, go to step 703 next client's distribute data is revised to upgrade the data in the financial product data storage device; Wherein, the record of final storage is the allocation result record that comprises distribute data that the client is last etc. in the financial product data storage device; And final revised client's earning rate data are preserved as the product earning rate data of financial product.
708: according to last allocation result record, the clients fund data are cashed processing, and bank's trustship account fund data are gathered examine and make cuts.
The embodiment of the invention, by adopting distribution and the repeatedly data processing method of secondary distribution first, revise client's earning rate error problem, make that the avail data distribution of financial product is in full accord with the total revenue data in the financial product running, improved the degree of accuracy of data computation in the data handling procedure that the financial product avail data distributes, solved at present because computing machine to the restriction of data storage space and precision, makes product earning rate data price have the problem of certain error.
In addition, the embodiment of the invention has also overcome the product total revenue data that present client's distribute data gathers in volume and the actual operation and there are differences, can't know avail data distribution result accurately, eliminated the uncertainty that gathers the amount of money in the avail data assigning process, make things convenient for the running of financial product, also improved level of customer service.
The method of describing in conjunction with embodiment disclosed herein or the step of algorithm can directly use the software module of hardware, processor execution, and perhaps the combination of the two is implemented.Software module can place the storage medium of any other form known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or the technical field.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; and be not intended to limit the scope of the invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a financial product data distribution server is characterized in that, described server comprises:
The predistribution data generating unit is used for avail data, client's allocation proportion according to the described financial product of pre-stored, generates client's predistribution data;
The predistribution data round the unit, are used for obtaining the integral part of described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
The distribute data authentication unit, be used to detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data;
The distribute data amending unit is used for obtaining the remainder part of described predistribution data according to described distribute data revision directive, and partly revises described distribute data according to the remainder of described predistribution data, exports revised distribute data.
2. server according to claim 1 is characterized in that,
Described distribute data amending unit also is used for described distribute data transferred increasing a precision position, and adds the corresponding figure place of the remainder part of described predistribution data the precision position of described distribute data to, to revise described distribute data.
3. server according to claim 2 is characterized in that,
Described distribute data authentication unit, also be used to detect described revised distribute data and whether equal described avail data, if then export described distribute data, if otherwise output distribute data revision directive.
4. server according to claim 1 is characterized in that, described server also comprises:
Distribute confirmation unit, be used to confirm that current date is the distribution date of the described financial product of pre-stored, so that described predistribution data generating unit generates client's predistribution data.
5. server according to claim 1 is characterized in that, described server also comprises:
The distribute data sequencing unit is used for the remainder part according to described predistribution data, with described distribute data ordering;
Described distribute data amending unit also is used for the result according to described ordering, partly revises described distribute data according to the remainder of described predistribution data.
6. a financial product data distributing method is characterized in that, described method comprises:
According to avail data, client's allocation proportion of the described financial product of pre-stored, generate client's predistribution data;
Obtain the integral part in the described predistribution data, and with the integral part of the described predistribution data distribute data as the client;
Detect described distribute data and whether equal described avail data, if then export described distribute data, if otherwise the revision directive of output distribute data;
According to described distribute data revision directive, obtain the remainder part of described predistribution data, and partly revise described distribute data according to the remainder of described predistribution data, export revised distribute data.
7. method according to claim 6 is characterized in that, described remainder according to described predistribution data is partly revised described distribute data, comprising:
Described distribute data transferred increase a precision position, and add the corresponding figure place of the remainder part of described predistribution data the precision position of described distribute data to, to revise described distribute data.
8. method according to claim 7 is characterized in that, the described distribute data of described detection and whether equal described avail data, also comprise:
Detect described revised distribute data and whether equal described avail data if then export described distribute data, if otherwise output distribute data revision directive.
9. method according to claim 6 is characterized in that, before the predistribution data that generate the client, described method also comprises:
Confirm that current date is the distribution date of the described financial product of pre-stored.
10. method according to claim 6 is characterized in that, before partly revising described distribute data according to the remainder of described predistribution data, described method also comprises:
According to the remainder part of described predistribution data, with described distribute data ordering, the result with according to ordering revises described distribute data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100920493A CN102013075A (en) | 2009-09-07 | 2009-09-07 | Financial product data distributing server and distributing method |
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| CN2009100920493A CN102013075A (en) | 2009-09-07 | 2009-09-07 | Financial product data distributing server and distributing method |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019000968A1 (en) * | 2017-06-26 | 2019-01-03 | 平安科技（深圳）有限公司 | Transaction tail difference processing method, apparatus and computer readable storage medium |
| CN110020953A (en) * | 2018-10-25 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Data distributing method, device, electronic equipment and computer readable storage medium |
| CN112463336A (en) * | 2020-12-07 | 2021-03-09 | 深圳集智数字科技有限公司 | Object allocation method, device, equipment and medium |
| CN113657507A (en) * | 2021-08-18 | 2021-11-16 | 平安信托有限责任公司 | Decision tree-based product distribution method, device, equipment and storage medium |
-
2009
- 2009-09-07 CN CN2009100920493A patent/CN102013075A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019000968A1 (en) * | 2017-06-26 | 2019-01-03 | 平安科技（深圳）有限公司 | Transaction tail difference processing method, apparatus and computer readable storage medium |
| CN110020953A (en) * | 2018-10-25 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Data distributing method, device, electronic equipment and computer readable storage medium |
| CN112463336A (en) * | 2020-12-07 | 2021-03-09 | 深圳集智数字科技有限公司 | Object allocation method, device, equipment and medium |
| CN113657507A (en) * | 2021-08-18 | 2021-11-16 | 平安信托有限责任公司 | Decision tree-based product distribution method, device, equipment and storage medium |
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Application publication date: 20110413 |