CN103985052A - Interest settlement system and method - Google Patents
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- CN103985052A CN103985052A CN201410235903.8A CN201410235903A CN103985052A CN 103985052 A CN103985052 A CN 103985052A CN 201410235903 A CN201410235903 A CN 201410235903A CN 103985052 A CN103985052 A CN 103985052A
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Abstract
The invention discloses an interest settlement system and method. The system comprises an interest settlement scheme configuration module, a strike rate acquisition module, an interest accrual money accumulation calculation module and an interest settlement module. The method is based on a factorized design thought, a unified regulation of components of bank products is predefined, and then componentized and parameterized new production customization is achieved. Information used for interest settlement is derived from products, and therefore in the product establishment process, the interest settlement scheme configuration module can configure an interest settlement scheme according to the interest settlement requirement of products and based on componentized product information. The strike rate acquisition module and the interest accrual money accumulation calculation module acquire needed data from bank subsystems according to the interest settlement scheme, and eventually the interest settlement module calculates interest through the data. It can be seen that componentized and parameterized configuration of the interest settlement scheme is achieved, the interest settlement core process based on the product configuration is achieved, and the problems that in the prior art, the reuse degree is low, and the development workload is large are solved.
Description
Technical field
The invention belongs to bank paying, clearing technical field, relate in particular to a kind of interest settlement system and method.
Background technology
What bank product referred to that bank finance mechanism provides to market can meet certain hope of people and all commodity demand, relevant to currency, and bank product is invisible service to a great extent, services such as the deposit providing to consumer, loan.
Interest clearing are one of basic service demands of bank product, the existing interest settlement function of bank product adopts the mode of similar customization to realize, be the corresponding independent interest clearing interface of each product, between each self-corresponding interest clearing interface of different product, when exploitation, do not have the multiplexing situation of parts.Based on this, when having new bank product to create, be required to be the new product corresponding interest clearing of exploitation interface separately, the independent process that the independent interest clearing interface that exploitation goes out provides realizes interest clearing, development amount is larger, has affected to a certain extent the promotion rate of development progress and new product; Along with the continuous increase of product category, corresponding interest clearing interface quantity will be more and more huger, and its maintenance cost will increase greatly, and because current interest settlement function is appointed product, its inside inevitably exists hard coded, is unfavorable for the maintenance in later stage.
To sum up, when existing interest clearing exist interface exploitation, parts reusing degree is lower, and development amount is larger, the problem that maintenance cost is higher.
Summary of the invention
In view of this, the object of the present invention is to provide a kind of interest settlement system and method, lower to overcome the reusing degree existing in prior art, development amount is larger, the problem that maintenance cost is higher.
For this reason, the open following technical scheme of the present invention:
An interest settlement system, comprises interest clearing arrangements module, exercise rate acquisition module, interest-bearing amount of money product computing module and interest settlement module, wherein:
Described interest clearing arrangements module, for in advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining;
Described exercise rate acquisition module, for settling accounts scheme according to described interest, based on product information and corresponding bank subsystem, obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number;
Described interest-bearing amount of money product computing module, for calculating the interest-bearing amount of money product summation of described N each interest rate of interest rate period in the period;
Described interest settlement module, for based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilizes described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
Said system, preferred, described basic calculating formula is specially:
Interest=∑ (interest-bearing amount of money product
n* execution day interest rate
n), wherein, n represents the fragment sequence number of period in fixed time interval, n is natural number, and 1≤n≤N.
Said system, preferred, described unified model comprises interest rate models, described unified parameter comprises benchmark interest rate, interest rate domain of walker, amount of money type, amount of money source, year number of days, month number of days and whether by multiple sharp calculating parameter.
Said system, preferred, described exercise rate acquisition module specifically comprises:
Interest rate obtain manner identification module, for based on client's CAMEL-Subscription-Information, differentiates the obtain manner that described exercise rate segmentation value need adopt, and described obtain manner comprises direct obtain manner and calculates obtain manner;
The direct acquisition module of interest rate for when described exercise rate segmentation value need adopt direct obtain manner to obtain, directly obtains N exercise rate segmentation value in described time interval from client's CAMEL-Subscription-Information or interest clearing scheme or product information;
Interest rate computing module, described exercise rate segmentation value is used for when need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
Said system, preferred, described interest rate computing module specifically comprises:
The first period cutting unit, for the adjustment situation in described client fixed time interval based on benchmark interest rate, carries out cutting to described client fixed time interval, obtains X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each;
The second period cutting unit, for obtaining y interest-bearing amount of money segmentation value in client fixed time interval based on accounts information, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
Segmentation superpositing unit, be used in conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the interest rate period in described fixed time interval, exercise rate value corresponding to interest rate period described in each;
Interest rate computing unit, for according to following formula and in conjunction with described other factors, the impact of exercise rate value being calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate * (1+ sliding scales).
Said system, preferred, described interest-bearing amount of money product computing module specifically comprises:
Amount information acquiring unit, for obtaining the amount information of described N each interest rate of interest rate period in the period, comprises the amount of money of each type, amount, and the lasting time of the described amount of money;
Interest-bearing amount of money product computing unit, for utilizing described amount information, calculates respectively the bear interest amount of money product of each interest rate in the period, and the amount of money product that respectively bears interest described in adding up respectively, obtains the interest-bearing amount of money product summation of each interest rate in the period.
An interest settlement method, is characterized in that, comprising:
In advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining;
According to described interest clearing scheme, based on product information and corresponding bank subsystem, obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number;
Calculate described N interest rate each interest rate interest-bearing amount of money product summation in the period in the period;
Based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilize described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
Said method, preferred, the described interest clearing scheme of described foundation and client's CAMEL-Subscription-Information, accounts information obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, and specifically comprise:
Based on client's CAMEL-Subscription-Information, differentiate the obtain manner that described exercise rate segmentation value need adopt, described obtain manner comprises direct obtain manner and calculates obtain manner;
When described exercise rate segmentation value need adopt direct obtain manner to obtain, from client's CAMEL-Subscription-Information or interest clearing scheme or product information, directly obtain N exercise rate segmentation value in described time interval;
When described exercise rate segmentation value need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
Said system, preferred, N exercise rate segmentation value in the described time interval of described calculating, specifically comprises:
Adjustment situation based on benchmark interest rate in described client fixed time interval, carries out cutting to described client fixed time interval, obtains X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each;
Based on accounts information, obtain y interest-bearing amount of money segmentation value in client fixed time interval, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
In conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the interest rate period in described fixed time interval, exercise rate value corresponding to interest rate period described in each;
According to following formula and in conjunction with described other factors, the impact of exercise rate value is calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate * (1+ sliding scales).
Said system, preferred, the described N of a described calculating interest rate is the interest-bearing amount of money product summation of each interest rate in the period in the period, specifically comprises:
Obtain described N interest rate each interest rate amount information in the period in the period, comprise the amount of money of each type, amount, and the lasting time of the described amount of money;
Utilize described amount information, calculate each interest rate each amount of money product in the period, and described each amount of money product that adds up respectively, the interest-bearing amount of money product summation of each interest rate in the period obtained.
System of the present invention comprises interest clearing arrangements module, exercise rate acquisition module, interest-bearing amount of money product computing module and interest settlement module.The present invention is based on the unified standard of pre-defined each bank product inscape of design philosophy of batch production, requirement is with unified model, parametric description product information, when when creating new bank product, directly can pass through product component (unified model flexibly, parameter) combination and functional configuration realize the quick customization of new product, the information source that interest clearing house is used is in product, when thereby bank product creates, the product information based on componentization configures interest clearing scheme according to the interest clearing demand of product can to settle accounts arrangements module by interest, interest rate models that for example specifically can be based on product, unified parameter configuration clearing scheme, to instruct the interest computation process of follow-up each module, follow-up exercise rate acquisition module, interest-bearing amount of money product computing module under the guidance of interest clearing scheme, for example, under the support of each bank subsystem (account system), realize interest clearing desired data inquiry, calculate, obtain, finally by interest settlement module, utilized the bank product interest in every data computing client fixed time interval.
The present invention is based on modularization, the parametrization configuration that product factory thought has realized interest clearing schemes as seen, and the interest having realized on this basis based on product configuration is settled accounts core process, feature compared to the corresponding interest separately of each product in prior art clearing interface, the invention provides unified interest settlement model, the reusing degree that has overcome prior art is lower, development amount is larger, the problem that maintenance cost is higher.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the structural representation of the disclosed interest settlement system of the embodiment of the present invention one;
Fig. 2 is the structural representation of the disclosed exercise rate acquisition module of the embodiment of the present invention one;
Fig. 3 is the structural representation of the disclosed interest rate computing module of the embodiment of the present invention one;
Fig. 4 is the structural representation of the disclosed interest-bearing amount of money of the embodiment of the present invention one product computing module;
Fig. 5 is the disclosed interest settlement method of the embodiment of the present invention two process flow diagram.
Embodiment
For making object, technical scheme and the advantage of the embodiment of the present invention clearer, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Embodiment based in the present invention, those of ordinary skills, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
Embodiment mono-
The embodiment of the present invention one discloses a kind of interest settlement system, refers to Fig. 1, and this system comprises interest clearing arrangements module 100, exercise rate acquisition module 200, interest-bearing amount of money product computing module 300 and interest settlement module 400.
Interest clearing arrangements module 100, for in advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining.
The present invention is based on the design philosophy of batch production, for different bank product, there is Model Reuse, the situation that parameter is multiplexing, the unified standard of pre-defined each bank product inscape, and carry out integrated to the unified model after standardization and unified parameter, form product factory, for example integrated interest rate models and benchmark interest rate, interest rate domain of walker, amount of money type, amount of money source, year number of days, month number of days and whether by parameters such as multiple profit calculating, to realize modularization, the quick customization of parameterized bank product, when when creating new bank product, directly the unified model after standardizing and parameter are as parts, by corresponding parts in product factory are combined, encapsulation and functional configuration realize the customization of new product.
Wherein, interest rate models is the important component part of product factory, and interest rate models provides to the interest rate of bank product the system of fixing a price flexibly, and it is the business implication of reactor product interest rate from different perspectives, and the change in future situation of energy specific definition interest rate.
The information that interest clearing house is used in most cases derives from product, when thereby bank product creates, for the parameter information in interest clearing scheme, can be based on information configuration and shared mechanism flexibly, the parameter of direct reference bank product, be that interest of the present invention clearing arrangements module 100 can the product information based on componentization configure interest clearing scheme according to the interest clearing demand of bank product, realized the effective combination of interest clearing with product, for example specifically can be by the interest rate models of bank product and parameters be configured to the clearing scheme that generates, and the element using the clearing scheme of generation as product information is stored in product information.Interest clearing scheme has defined the clearing relevant information of using in fixed time interval, for instructing interest computation process and the computing method of follow-up each module.
Interest clearing scheme is the set of a plurality of key elements, comprised amount of money type, amount of money source, year number of days, month number of days, whether by multiple profit, calculated etc., these elements affect inquiry mode and the algorithm process pattern of information in interest computation process.Each key element value may be segmentation, and in a certain interest-bearing time interval, some parameter has a plurality of values, and each value acts on respectively time period independently.Thereby in actual scene, when client carries out interest clearing for the signing product of appointment, should process according to each segmentation value of its corresponding clearing scheme.In addition, in order to cater to the interest clearing requirement of diversification, same product also can be used different clearing schemes in different time sections, and the present embodiment adopts the same plan and carries out interest clearing for bank product of the same race.
Wherein, the final interest clearing scheme based on product information configuration comprises settle interests required basic calculating formula and correlation parameter information, and in the present embodiment, the original calculation formula of settling interests followed is specially:
Interest=∑ (interest-bearing amount of money product
n* execution day interest rate
n),
Wherein, n represents the fragment sequence number of period in fixed time interval, and n is natural number, and 1≤n≤N.
Exercise rate acquisition module 200, for settling accounts scheme according to described interest, based on product information and corresponding bank subsystem, obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number.
On the basis of product configuration, interest clearing arrangements, the present invention passes through exercise rate acquisition module 200, interest-bearing amount of money product computing module 300 and interest settlement module 400, and under the support of each bank subsystem, subsystems such as account system, customer information system, client's CAMEL-Subscription-Information system, realizes the core process of interest clearing.
Wherein, as shown in Figure 2, exercise rate acquisition module 200 specifically comprises interest rate obtain manner identification module 210, the direct acquisition module 220 of interest rate and interest rate computing module 230.
Interest rate obtain manner identification module 210, for based on client's CAMEL-Subscription-Information, differentiates the obtain manner that described exercise rate segmentation value need adopt, and described obtain manner comprises direct obtain manner and calculates obtain manner.
Particularly, the value of exercise rate or variation pattern are clear and definite when client is signing.In interest settlement process, the value of exercise rate may be segmentation, and the interest rate of different time sections is different.In some situation, exercise rate can directly obtain in client's CAMEL-Subscription-Information, and under some scene, exercise rate need to calculate in real time according to interest rate attribute definition and the variation pattern thereof of product.
The direct acquisition module 220 of interest rate for when described exercise rate segmentation value need adopt direct obtain manner to obtain, directly obtains N exercise rate segmentation value in described time interval from client's CAMEL-Subscription-Information or interest clearing scheme or product information.
Interest rate computing module 230, described exercise rate segmentation value is used for when need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
In addition, interest-rate ceiling, interest rate lower limit in interest rate models, have also been defined, in the above formula of foundation the exercise rate value that calculates in conjunction with described each factor higher than defined interest-rate ceiling or under lower than defined interest rate in limited time, adopt respectively described interest-rate ceiling or interest rate lower limit as the value of exercise rate.
Particularly, refer to Fig. 3, interest rate computing module 230 comprises the first period cutting unit 231, the second period cutting unit 232, segmentation superpositing unit 233 and interest rate computing unit 234.
The first period cutting unit 231, for the adjustment situation in described client fixed time interval based on benchmark interest rate, cutting is carried out in described client fixed time interval, obtain X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each.
The second period cutting unit 232, for obtaining y interest-bearing amount of money segmentation value in client fixed time interval based on accounts information, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
Segmentation superpositing unit 233, be used in conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the period the trickleest in described fixed time interval, be designated as N interest rate period, exercise rate value corresponding to interest rate period described in each;
Interest rate computing unit 234, for according to following formula and in conjunction with described other factors, the impact of exercise rate value being calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate * (1+ sliding scales).
Be in interest settlement process, a lot of key elements all can have influence on the final segmentation of exercise rate and value, for example, the adjustment of national policy to benchmark interest rate, when occurring, interest clearing (comprise transaction amount for the base amount bearing interest, the amount of money of account balance or process processing etc.), sign bears interest, tax and indicate, tax rate segmentation value, year number of days segmentation value, moon number of days value segmentation etc., thereby in obtaining exercise rate segmentation sampling process, need to consider above all key elements and carry out the segmentation of exercise rate period, stack, to guarantee the uniqueness of exercise rate value in each segmentation.
Particularly, under some business scenario, need to by different class, divide the amount of money, the interest rate using when the amount of money of different class is settled interests is different.Wherein, base amount specifically produces corresponding impact to the sliding scales in exercise rate formula according to the stepping rank under it, and then affect exercise rate value, for example, 100000 (units: $) following base amount, its corresponding sliding scales adopts 2%, and more than 100,000 base amount is adjusted to 3% on its sliding scales.
Whether the value indicating that bears interest has two: bear interest or bear no interest, represent respectively with 1,0, in corresponding certain time period of sign, figure interest.For example, interval for the interest-bearing of 3.20-6.20 (unit: month, day), if the interest-bearing of 3.20-4.20 is masked as 1, representing needed to bear interest in this time period, if the interest-bearing of 4.20-5.20 is masked as 0, represented that this time period does not need to bear interest.
The sign of taxing can adopt 1,0 to represent respectively to tax, do not tax equally, in order to identify which time period need to tax, which does not need to tax the time period.
Tax rate segmentation value, provides the tax rate value of each time period, for the tax that figures interest.
Year number of days segmentation value, in order to calculate the rate per diem of every day in certain time period.
Moon number of days segmentation value, in order to calculate the number of days in certain time period.
Interest-bearing amount of money product computing module 300, for calculating the interest-bearing amount of money product summation of described N each interest rate of interest rate period in the period.
Refer to Fig. 4, interest-bearing amount of money product computing module 300 specifically comprises amount information acquiring unit 310 and interest-bearing amount of money product computing unit 320.
Amount information acquiring unit 310, for obtaining the amount information of described N each interest rate of interest rate period in the period, comprises the amount of money of each type, amount, and the lasting time of the described amount of money.
Interest-bearing amount of money product computing unit 320, for utilizing described amount information, calculates respectively the bear interest amount of money product of each interest rate in the period, and the amount of money product that respectively bears interest described in adding up respectively, obtains the interest-bearing amount of money product summation of each interest rate in the period.
Wherein, interest-bearing amount of money product is the product of the interest-bearing amount of money and this amount of money continuous days, the interest-bearing amount of money is the base amount for calculating when interest clearing occur, and it may be transaction amount, account balance or the amount of money through processing, and the value of this amount of money can just can be born.Continuous days refers to the number of days that the interest-bearing amount of money does not change.Amount of money product in a period of time, is the product of cumulative interior each amount of money of this time period and its continuous days, and in the present embodiment, amount product has reduced the impact of amount of money frequent variations on interest-bearing process, has reduced computation complexity.
The amount of money itself has dividing of type, once the process of bearing interest may relate to the amount of money of a plurality of types, settles interests in process, at each interest rate in the period, need to calculate its corresponding product to the amount of money of each type and each amount, finally be added and obtain the interest-bearing amount of money product summation of this interest rate in the period.
Interest settlement module 400, for based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilizes described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
Particularly, the fundamental formular of this module based on configuring in interest clearing scheme, for each interest rate period, according to existing information, calculates the interest of this period according to different mode, and afterwards, cumulative each section of interest, obtains the gross interest in client fixed time interval.
In interest settlement process, can use some parameter informations of product, these parameter influences interest computation process.Product parameters is divided into scope, list, commission, four kinds of structures of interest, the parameter of every kind of structure can be simple types or matrix-type, each parameter can be as the rectangular array of other parameters, in reality scene, these parameters are by complicated model definition, therefore the present invention, when implementing, for the product parameters query demand in interest-bearing process, needs the independent product parameters assembly of exploitation to realize the inquiry of product information.
The value of a product parameters of inquiry first clearly this parameter belongs to simple types or matrix-type, for simple types scope and list parameter, can directly find its corresponding value; For commission and interest parameter, also should do further calculating according to concrete configuration situation; For matrix-type parameter, first to resolve matrix, obtain matrix and under current scene, realize the row that parameter value should adopt, then for this row, do further inquiry, query script and simple types parameter are similar.
It should be noted that, resolve matrix and can relate to rectangular array type parameter, these parameters may be also simple or matrix-type, and if matrix-type parameter needs to carry out above parsing, obtains row, inquires about this series of steps, are progressively processes for recurrence.
During concrete enforcement, product parameters enquiring component has following function:
Distinguishing product parameters is also matrix-type of simple types;
The parameter value of inquiry or calculating simple types;
Resolve the product parameters of matrix-type, obtain the row that matrix is used;
Inquiry concrete matrix is capable, obtains matrix conditional parameter value;
In matrix resolving, run into the product parameters that other need to be inquired about, according to the mode of recurrence, inquire about.
To sum up, system of the present invention comprises interest clearing arrangements module 100, exercise rate acquisition module 200, interest-bearing amount of money product computing module 300 and interest settlement module 400.The present invention is based on the unified standard of pre-defined each bank product inscape of design philosophy of batch production, requirement is with unified model, parametric description product information, when when creating new bank product, directly can pass through product component (unified model flexibly, parameter) combination and functional configuration realize the quick customization of new product, the information source that interest clearing house is used is in product, the product information based on componentization configures interest clearing scheme according to the interest clearing demand of product when thereby bank product creates, can to settle accounts arrangements module 100 by interest, interest rate models that for example specifically can be based on product, unified parameter configuration clearing scheme, to instruct the interest computation process of follow-up each module, follow-up exercise rate acquisition module 200, interest-bearing amount of money product computing module 300 under the guidance of interest clearing scheme, for example, under the support of each bank subsystem (account system), realize interest clearing desired data inquiry, calculate, obtain, finally by interest settlement module 400, utilized the bank product interest in every data computing client fixed time interval.
The present invention is based on componentization, the parametrization configuration that product factory thought has realized interest clearing schemes as seen, and the interest having realized on this basis based on product configuration is settled accounts core process, feature compared to the corresponding interest separately of each product in prior art clearing interface, the invention provides unified interest settlement model, the reusing degree that has overcome prior art is lower, development amount is larger, the problem that maintenance cost is higher.
Embodiment bis-
The embodiment of the present invention two discloses a kind of interest settlement method, refers to Fig. 5, and the method comprises the steps:
S501: in advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining.
S502: obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest based on product information and corresponding bank subsystem according to described interest clearing scheme, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number.
Wherein, this step S2 specifically comprises:
Based on client's CAMEL-Subscription-Information, differentiate the obtain manner that described exercise rate segmentation value need adopt, described obtain manner comprises direct obtain manner and calculates obtain manner;
When described exercise rate segmentation value need adopt direct obtain manner to obtain, from client's CAMEL-Subscription-Information or interest clearing scheme or product information, directly obtain N exercise rate segmentation value in described time interval;
When described exercise rate segmentation value need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
Particularly, the process of N exercise rate segmentation value in computing client fixed time interval is as follows:
Adjustment situation based on benchmark interest rate in described client fixed time interval, carries out cutting to described client fixed time interval, obtains X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each;
Based on accounts information, obtain y interest-bearing amount of money segmentation value in client fixed time interval, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
In conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the period the trickleest in described fixed time interval, be designated as N interest rate period, exercise rate value corresponding to interest rate period described in each;
According to following formula and in conjunction with described other factors, the impact of exercise rate value is calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate * (1+ sliding scales).
S503: calculate described N interest rate each interest rate interest-bearing amount of money product summation in the period in the period.
This step S503 specifically comprises:
Obtain described N interest rate each interest rate amount information in the period in the period, comprise the amount of money of each type, amount, and the lasting time of the described amount of money;
Utilize described amount information, calculate each interest rate each amount of money product in the period, and described each amount of money product that adds up respectively, the interest-bearing amount of money product summation of each interest rate in the period obtained.
S504: based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilize described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
For the disclosed interest settlement method of the embodiment of the present invention two, because it is corresponding with the disclosed interest settlement system of above embodiment mono-, so that describes is fairly simple, relevant similarity refers to the explanation of interest settlement system part in embodiment mono-, no longer describes in detail herein.
In sum, the present invention is based on the design philosophy of product factory, the inscape of pre-defined various bank product, for realizing fast, differential product customization provides technical support, realized the modularization of bank product information and interest clearing scheme thereof, parametrization configuration, and each Implement of Function Module comprising by it under the support of each bank subsystem the interest clearing core process based on product configuration, independently interest clearing interface corresponding to each product in prior art is compared, the invention provides unified interest settlement model, when having new bank product to create, directly can formulate interest clearing scheme by product component combination flexibly and functional configuration, and under instructing, interest clearing scheme completes interest settlement process in conjunction with other functional modules, the interface of settling interests separately without exploitation, greatly simplified the exploitation of interest settlement function, test, the workload of maintenance etc.
It should be noted that, each embodiment in this instructions all adopts the mode of going forward one by one to describe, and each embodiment stresses is the difference with other embodiment, between each embodiment identical similar part mutually referring to.
While for convenience of description, describing above device, with function, be divided into various modules or unit is described respectively.Certainly, when implementing the application, the function of each module, unit can be realized in same or a plurality of software and/or hardware.
As seen through the above description of the embodiments, those skilled in the art can be well understood to the mode that the application can add essential general hardware platform by software and realizes.Understanding based on such, the part that the application's technical scheme contributes to prior art in essence in other words can embody with the form of software product, this computer software product can be stored in storage medium, as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be personal computer, server, or the network equipment etc.) carry out the method described in some part of each embodiment of the application or embodiment.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (10)
1. an interest settlement system, is characterized in that, comprises interest clearing arrangements module, exercise rate acquisition module, interest-bearing amount of money product computing module and interest settlement module, wherein:
Described interest clearing arrangements module, for in advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining;
Described exercise rate acquisition module, for settling accounts scheme according to described interest, based on product information and corresponding bank subsystem, obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number;
Described interest-bearing amount of money product computing module, for calculating the interest-bearing amount of money product summation of described N each interest rate of interest rate period in the period;
Described interest settlement module, for based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilizes described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
2. interest settlement system according to claim 1, is characterized in that, described basic calculating formula is specially:
Interest=∑ (interest-bearing amount of money product
n* execution day interest rate
n), wherein, n represents the fragment sequence number of period in fixed time interval, n is natural number, and 1≤n≤N.
3. interest settlement system according to claim 1, it is characterized in that, described unified model comprises interest rate models, and described unified parameter comprises benchmark interest rate, interest rate domain of walker, amount of money type, amount of money source, year number of days, month number of days and whether by multiple sharp calculating parameter.
4. interest settlement system according to claim 1, is characterized in that, described exercise rate acquisition module specifically comprises:
Interest rate obtain manner identification module, for based on client's CAMEL-Subscription-Information, differentiates the obtain manner that described exercise rate segmentation value need adopt, and described obtain manner comprises direct obtain manner and calculates obtain manner;
The direct acquisition module of interest rate for when described exercise rate segmentation value need adopt direct obtain manner to obtain, directly obtains N exercise rate segmentation value in described time interval from client's CAMEL-Subscription-Information or interest clearing scheme or product information;
Interest rate computing module, described exercise rate segmentation value is used for when need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
5. interest settlement system according to claim 4, is characterized in that, described interest rate computing module specifically comprises:
The first period cutting unit, for the adjustment situation in described client fixed time interval based on benchmark interest rate, carries out cutting to described client fixed time interval, obtains X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each;
The second period cutting unit, for obtaining y interest-bearing amount of money segmentation value in client fixed time interval based on accounts information, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
Segmentation superpositing unit, be used in conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the interest rate period in described fixed time interval, exercise rate value corresponding to interest rate period described in each;
Interest rate computing unit, for according to following formula and in conjunction with described other factors, the impact of exercise rate value being calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate * (1+ sliding scales).
6. interest settlement system according to claim 1, is characterized in that, described interest-bearing amount of money product computing module specifically comprises:
Amount information acquiring unit, for obtaining the amount information of described N each interest rate of interest rate period in the period, comprises the amount of money of each type, amount, and the lasting time of the described amount of money;
Interest-bearing amount of money product computing unit, for utilizing described amount information, calculates respectively the bear interest amount of money product of each interest rate in the period, and the amount of money product that respectively bears interest described in adding up respectively, obtains the interest-bearing amount of money product summation of each interest rate in the period.
7. an interest settlement method, is characterized in that, comprising:
In advance when creating bank product, interest clearing demand according to described bank product configures the interest clearing scheme of described bank product based on product information, described interest clearing scheme comprises carries out to described bank product basic calculating formula and the correlation parameter information that interest clearing house needs, wherein, each inscape that described product information comprises described bank product, described each inscape is described with unified model and the unified parameter of predetermining;
According to described interest clearing scheme, based on product information and corresponding bank subsystem, obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, described N exercise rate segmentation value represents N exercise rate value of N interest rate corresponding employing in the period that described bank product comprises at described time interval, exercise rate value corresponding to interest rate period described in each, wherein, described N is not less than 1 natural number;
Calculate described N interest rate each interest rate interest-bearing amount of money product summation in the period in the period;
Based on exercise rate value corresponding to interest rate period described in each and interest-bearing amount of money product summation, utilize described basic calculating formula to calculate the interest of described bank product in described client fixed time interval.
8. interest settlement method according to claim 7, it is characterized in that, the described interest of described foundation clearing scheme and client's CAMEL-Subscription-Information, accounts information obtain in client fixed time interval described bank product required N the exercise rate segmentation value that bear interest, and specifically comprise:
Based on client's CAMEL-Subscription-Information, differentiate the obtain manner that described exercise rate segmentation value need adopt, described obtain manner comprises direct obtain manner and calculates obtain manner;
When described exercise rate segmentation value need adopt direct obtain manner to obtain, from client's CAMEL-Subscription-Information or interest clearing scheme or product information, directly obtain N exercise rate segmentation value in described time interval;
When described exercise rate segmentation value need adopt calculating obtain manner to obtain, based on interest clearing scheme, product information, client's CAMEL-Subscription-Information and the following formula of accounts information utilization, calculate N exercise rate segmentation value in described time interval: exercise rate=benchmark interest rate * (1+ sliding scales), wherein, described exercise rate is also subject to the impact of other factors, and described other factors comprise the sign that bears interest, taxing sign, the tax rate, multiple sharp calculation flag, year number of days value, month number of days value.
9. interest settlement method according to claim 8, is characterized in that, N exercise rate segmentation value in the described time interval of described calculating, specifically comprises:
Adjustment situation based on benchmark interest rate in described client fixed time interval, carries out cutting to described client fixed time interval, obtains X benchmark interest rate period, benchmark interest rate corresponding to benchmark interest rate period described in each;
Based on accounts information, obtain y interest-bearing amount of money segmentation value in client fixed time interval, described y interest-bearing amount of money segmentation value represents y the corresponding interest-bearing amount of money of y amount of money period that described time interval comprises, the interest-bearing amount of money corresponding to amount of money period described in each, and according to predefined stepping rule, described y amount of money period divided into groups, obtain Y stepping period, the interest-bearing amount of money of corresponding unique grade of level of stepping period described in each;
In conjunction with described X benchmark interest rate period, a Y stepping period and the impact of described other factors on interest rate segmentation, period segmentation, overlap-add procedure are carried out in described client fixed time interval, obtain N the interest rate period in described fixed time interval, exercise rate value corresponding to interest rate period described in each;
According to following formula and in conjunction with described other factors, the impact of exercise rate value is calculated to the exercise rate value of interest rate in the period described in each, obtain described N exercise rate segmentation value: exercise rate=benchmark interest rate (1+ sliding scales).
10. interest settlement method according to claim 7, is characterized in that, the described N of a described calculating interest rate is the interest-bearing amount of money product summation of each interest rate in the period in the period, specifically comprises:
Obtain described N interest rate each interest rate amount information in the period in the period, comprise the amount of money of each type, amount, and the lasting time of the described amount of money;
Utilize described amount information, calculate each interest rate each amount of money product in the period, and described each amount of money product that adds up respectively, the interest-bearing amount of money product summation of each interest rate in the period obtained.
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