CN107909465A - A kind of method of calibration and device of cash in banks account interest - Google Patents
A kind of method of calibration and device of cash in banks account interest Download PDFInfo
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- CN107909465A CN107909465A CN201711068096.5A CN201711068096A CN107909465A CN 107909465 A CN107909465 A CN 107909465A CN 201711068096 A CN201711068096 A CN 201711068096A CN 107909465 A CN107909465 A CN 107909465A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The present invention provides a kind of method of calibration and device of cash in banks account interest, it is related to banking system technical field of data processing.Method includes：Obtain pre-set input file；According to input content, corresponding the first interest obtained by the first interest-bearing algorithm of each account in the range of account to be verified is obtained from banking system；According to input type and input content, the interest-bearing key element of each account in the range of account to be verified and pre-set with the different second interest-bearing algorithm of the first interest-bearing algorithm is determined；According to interest-bearing key element and the second interest-bearing algorithm, corresponding second interest of each account in the range of account to be verified is determined, and record the calculating process data of the second interest；Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates check results；According to the corresponding check results of each account in the range of the calculating process data of the second interest and account to be verified, generation verification report file.
Description
Technical field
The present invention relates to banking system technical field of data processing, more particularly to a kind of verification of cash in banks account interest
Method and device.
Background technology
Currently, being continuously increased with national income, the financing of people and deposit consciousness also constantly increase.In banking system
Magnanimity savings account is stored, it is necessary to pay client's interest.Banking system calculates interest payable automatically by batch process daily,
Expiry date for interest will cope with interest and pay client.Current bank tackles the huge of internet financial product for the deposit that attracts clients
Impact, each bank are generally proposed various special interest-bearing products, its behind needs substantial amounts of complicated interest-bearing logic to support.Mesh
Preceding interest-bearing product has very much, most common to have common current deposit, regular whole deposit are whole to take and excess layering current deposit etc..
Since banking system needs to safeguard and operate complicated interest-bearing logic, the correctness that interest calculates seems particularly
Important, the correctness that interest calculates is directly related to client's vital interests and bank's reputation.In the prior art to banking system
The mode that the interest calculated is verified generally has two kinds：A kind of is the account raised an objection for client, using artificial meter
The mode of interest is calculated, and the interest-bearing result of the interest manually calculated and banking system is subjected to verification and is compared.Wherein, manually calculate
The mode of interest is controlled by artificial, and calculating process is needed by instruments such as calculators.Another be by using
The calculating instruments such as Microsoft Excel forms, algorithm is imported into calculating instrument by script mode, passes through calculating instrument
Verification comparison is carried out to complete the interest-bearing result for the interest and banking system being calculated.But there are one for above two mode
Determine problem：Artificial experience and computing capability are relied on by way of manually figuring interest first, and is calculated by calculating instrument
More rely on the computing capability and process performance of such as Microsoft Excel forms instrument so that the accuracy of verification of data
It is not high.In addition, calculating instrument generally operates in PC platform, and the interest-bearing of banking system is the result is that come from banking system master
Machine platform, in order to carry out verification verification action, it is necessary to which the interest-bearing result data of banking system host platform is transferred to personal electricity
Brain platform is handled, and more relies on network transmission and the correctness of cross-platform code system conversion, more influences the standard of verification of data
True property.
The content of the invention
The embodiment of the present invention provides a kind of method of calibration and device of cash in banks account interest, to solve current silver
The verification verification of row system-computed result data needs calculating and process performance by artificial computing capability or auxiliary tool,
And be limited to data network transmission and cross-platform code system conversion influence, there are verification of data accuracy it is poor the problem of.
To reach above-mentioned purpose, the present invention adopts the following technical scheme that：
A kind of method of calibration of cash in banks account interest, including：
Obtain pre-set input file；The input file includes input type and for representing account to be verified
The input content of scope；
According to the input content, corresponding first profit of each account in the range of account to be verified is obtained from banking system
Breath；First interest is to be calculated by the banking system according to pre-set first interest-bearing algorithm in banking system
's；
According to the input type and input content, determine the interest-bearing key element of each account in the range of account to be verified with
And pre-set second interest-bearing algorithm；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；
According to the interest-bearing key element and the second interest-bearing algorithm, each account corresponding in the range of account to be verified is determined
Two interests, and record the calculating process data of second interest；
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into check results；
According to the corresponding verification of each account in the range of the calculating process data of second interest and account to be verified
As a result, generation verification report file.
Specifically, the input type includes account list, the input content of corresponding account scope to be verified includes
Each account to be verified；
Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified includes treating
The starting account and termination account of verification；
Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified includes meter
Cease product identification；
Alternatively, the input type includes account scope and interest-bearing product, the input of corresponding account scope to be verified
Content includes starting account to be verified and terminates account and interest-bearing product identification；
Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes silver
Row number node.
Specifically, according to the input content, each account in the range of account to be verified is obtained from banking system and is corresponded to
The first interest, including：
Corresponding first interest of each account is obtained from banking system according to each account to be verified；
Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and end
Corresponding first interest of each account only between account；
Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification；
Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine under interest-bearing product
Starting account to be verified and each effective account between account is terminated, and obtained from banking system to be verified under interest-bearing product
Starting account and terminate each effectively account corresponding first interest between account；
Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
Specifically, according to the input type and input content, the meter of each account in the range of account to be verified is determined
Key element and pre-set second interest-bearing algorithm are ceased, including：
According to the input type, the corresponding pre-set second interest-bearing algorithm of the input type is determined；
According to the input content, each account in the range of the account to be verified corresponding to the input content is determined
Interest-bearing key element.
Specifically, school is compared in corresponding first interest of each account in the range of account to be verified and the second interest
Test, and generate check results, including：
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into the check results for including the verification mark whether identical for the first interest of expression and the second interest.
Specifically, the verification report file includes：Checked result is reported and calculating process report；
The checked result report includes：Verification mark, account information, the first interest and second interest；
The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account correspond to
The interest of one day, corresponding section remaining sum survival from date of account, the corresponding section remaining sum survival date of expiry of account and
Corresponding section remaining sum survival phase gross interest of account.
Specifically, the first interest-bearing algorithm is：The daily interest increment of the account in the range of account to be verified is calculated,
And the daily interest increment is accumulated in account gross interest, form expiry date for interest gross interest in expiry date for interest；
The second interest-bearing algorithm is：According to the remaining sum change histories data of the account in the range of account to be verified,
Expiry date for interest directly calculates expiry date for interest gross interest.
A kind of calibration equipment of cash in banks account interest, including：
File obtaining unit, for obtaining pre-set input file；The input file includes input type and use
In the input content for representing account scope to be verified；
Banking system result of calculation acquiring unit, for according to the input content, being obtained from banking system to be verified
Corresponding first interest of each account in the range of account；First interest is according to pre- in banking system by the banking system
What the first interest-bearing algorithm first set was calculated；
Interest-bearing key element and algorithm determination unit, for according to the input type and input content, determining account to be verified
The interest-bearing key element of each account in the range of number and pre-set second interest-bearing algorithm；The second interest-bearing algorithm and described the
One interest-bearing algorithm differs；
Second interest computing unit, for according to the interest-bearing key element and the second interest-bearing algorithm, determining account to be verified
In the range of corresponding second interest of each account, and record the calculating process data of second interest；
Interest verification unit, for by corresponding first interest of each account and the second interest in the range of account to be verified
Verification is compared, and generates check results；
Report file generation unit is verified, for the calculating process data according to second interest and account to be verified
In the range of the corresponding check results of each account, generation verification report file.
Specifically, the input type for the input file that the file obtaining unit obtains includes account list, treat accordingly
The input content of the account scope of verification includes each account to be verified；
Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified includes treating
The starting account and termination account of verification；
Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified includes meter
Cease product identification；
Alternatively, the input type includes account scope and interest-bearing product, the input of corresponding account scope to be verified
Content includes starting account to be verified and terminates account and interest-bearing product identification；
Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes silver
Row number node.
In addition, the banking system result of calculation acquiring unit, is specifically used for：
Corresponding first interest of each account is obtained from banking system according to each account to be verified；
Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and end
Corresponding first interest of each account only between account；
Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification；
Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine under interest-bearing product
Starting account to be verified and each effective account between account is terminated, and obtained from banking system to be verified under interest-bearing product
Starting account and terminate each effectively account corresponding first interest between account；
Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
Specifically, the interest-bearing key element and algorithm determination unit, including：
Second interest-bearing algorithm determining module, for according to the input type, determining that the input type is corresponding in advance
The the second interest-bearing algorithm set；
Interest-bearing key element determining module, for according to the input content, determining to be verified corresponding to the input content
Account in the range of each account interest-bearing key element.
In addition, the interest verification unit, is specifically used for：
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into the check results for including the verification mark whether identical for the first interest of expression and the second interest.
Specifically, the verification report file of the verification report file generation unit generation includes：Checked result report and
Calculating process is reported；
The checked result report includes：Verification mark, account information, the first interest and second interest；
The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account correspond to
The interest of one day, corresponding section remaining sum survival from date of account, the corresponding section remaining sum survival date of expiry of account and
Corresponding section remaining sum survival phase gross interest of account.
Specifically, the first interest-bearing algorithm that the first interest in the banking system result of calculation acquiring unit is applied
For：The daily interest increment of the account in the range of account to be verified is calculated, and the daily interest increment is accumulated to account
In gross interest, expiry date for interest gross interest is formed in expiry date for interest；
The second interest-bearing algorithm in the second interest computing unit is：According to the account in the range of account to be verified
Remaining sum change histories data, expiry date for interest gross interest is directly calculated in expiry date for interest.
A kind of computer-readable recording medium, is stored thereon with computer program, which realizes when being executed by processor
Following steps：
Obtain pre-set input file；The input file includes input type and for representing account to be verified
The input content of scope；
According to the input content, corresponding first profit of each account in the range of account to be verified is obtained from banking system
Breath；First interest is to be calculated by the banking system according to pre-set first interest-bearing algorithm in banking system
's；
According to the input type and input content, determine the interest-bearing key element of each account in the range of account to be verified with
And pre-set second interest-bearing algorithm；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；
According to the interest-bearing key element and the second interest-bearing algorithm, each account corresponding in the range of account to be verified is determined
Two interests, and record the calculating process data of second interest；
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into check results；
According to the corresponding verification of each account in the range of the calculating process data of second interest and account to be verified
As a result, generation verification report file.
A kind of computer equipment, including memory, processor and the meter that is stored in storage above and can run on a processor
Calculation machine program, the processor realize following steps when performing described program：
Obtain pre-set input file；The input file includes input type and for representing account to be verified
The input content of scope；
According to the input content, corresponding first profit of each account in the range of account to be verified is obtained from banking system
Breath；First interest is to be calculated by the banking system according to pre-set first interest-bearing algorithm in banking system
's；
According to the input type and input content, determine the interest-bearing key element of each account in the range of account to be verified with
And pre-set second interest-bearing algorithm；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；
According to the interest-bearing key element and the second interest-bearing algorithm, each account corresponding in the range of account to be verified is determined
Two interests, and record the calculating process data of second interest；
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into check results；
According to the corresponding verification of each account in the range of the calculating process data of second interest and account to be verified
As a result, generation verification report file.
The method of calibration and device of a kind of cash in banks account interest provided in an embodiment of the present invention, in banking system host
Carry out obtaining pre-set input file on platform, and account scope to be verified is obtained according to different input types
Corresponding first interest of interior each account；According to input type and input content, each account in the range of account to be verified is determined
Number interest-bearing key element and pre-set second interest-bearing algorithm, so that it is determined that each account in the range of account to be verified corresponds to
The second interest.In this way, the interest that two kinds of different algorithms obtain can be compared, to determine whether both are identical, from
And complete to calculate and check checkout action on banking system host platform, and generate verification report file.The present invention does not depend on
Calculating and process performance in artificial computing capability or auxiliary tool, are not only restricted to data network transmission and cross-platform code system turns
The influence changed, the accuracy of verification of data are higher.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, may be used also
To obtain other attached drawings according to these attached drawings.
Fig. 1 is a kind of flow chart one of the method for calibration of cash in banks account interest provided in an embodiment of the present invention；
Fig. 2 is a kind of flowchart 2 of the method for calibration of cash in banks account interest provided in an embodiment of the present invention；
Fig. 3 is a kind of structure diagram one of the calibration equipment of cash in banks account interest provided in an embodiment of the present invention；
Fig. 4 is a kind of structure diagram two of the calibration equipment of cash in banks account interest provided in an embodiment of the present invention.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment, belongs to the scope of protection of the invention.
As shown in Figure 1, the embodiment of the present invention provides a kind of method of calibration of cash in banks account interest, including：
Step 101, obtain pre-set input file；The input file includes input type and for representing to treat school
The input content for the account scope tested.
Step 102, according to the input content, each account in the range of account to be verified is obtained from banking system and is corresponded to
The first interest.
Herein, first interest is according to pre-set first interest-bearing algorithm in banking system by the banking system
It is calculated.
Step 103, according to the input type and input content, determine the meter of each account in the range of account to be verified
Cease key element and pre-set second interest-bearing algorithm.
Herein, the second interest-bearing algorithm is differed with the first interest-bearing algorithm.
Step 104, according to the interest-bearing key element and the second interest-bearing algorithm, determine each account in the range of account to be verified
Corresponding second interest, and record the calculating process data of second interest.
Step 105, corresponding first interest of each account in the range of account to be verified and the second interest be compared
Verification, and generate check results.
Step 106, according to each account pair in the range of the calculating process data of second interest and account to be verified
The check results answered, generation verification report file.
The method of calibration of a kind of cash in banks account interest provided in an embodiment of the present invention, on banking system host platform
Obtain pre-set input file, and obtained according to different input types each in the range of account to be verified
Corresponding first interest of account；According to input type and input content, the meter of each account in the range of account to be verified is determined
Key element and pre-set second interest-bearing algorithm are ceased, so that it is determined that each account corresponding second in the range of account to be verified
Interest.In this way, the interest that two kinds of different algorithms obtain can be compared, to determine whether both are identical, so that in silver
Complete to calculate on row system host platform and check checkout action, and generate verification report file.The present invention is independent of artificial
The calculating of computing capability or auxiliary tool and process performance, are not only restricted to data network transmission and the shadow of cross-platform code system conversion
Ring, the accuracy of verification of data is higher.
In order to make those skilled in the art be better understood by the present invention, a more detailed embodiment is set forth below,
As shown in Fig. 2, the embodiment of the present invention provides a kind of method of calibration of cash in banks account interest, including：
Step 201, obtain pre-set input file；The input file includes input type and for representing to treat school
The input content for the account scope tested.
Specifically, the input type includes account list, the input content of corresponding account scope to be verified includes
Each account to be verified.
Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified includes treating
The starting account and termination account of verification.
Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified includes meter
Cease product identification.
Alternatively, the input type includes account scope and interest-bearing product, the input of corresponding account scope to be verified
Content includes starting account to be verified and terminates account and interest-bearing product identification.
Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes silver
Row number node.
For example, it is as shown in table 1 below, list the targeted account scope to be verified of above-mentioned 5 kinds of input types, Yi Jishi
Use scene：
Table 1：
In addition, above-mentioned input content can include head record and body records two parts, head record is used to identify input class
Type, can be made of, i.e. " TYPEXX " form 6 characters.
Such as：1-4 are fixed values：“TYPE”；
5-6 are input types：
01- account lists；
02- account scopes；
03-interest-bearing product；
04- accounts scope and interest-bearing product；
05-bank outlets；
Above-mentioned body record refers to account physical contents data to be verified, its form can be as follows：
Input type 1：Account list；
TYPE01
0030000010001707016|
0030000010001707460|
0030000010001707198|
0030000010001707455|
0030000010001707200|
0030000010001707199|
Input type 2：Account scope, i.e. input starting account, terminate account；
TYPE02
0030000010001706951|0030000010001706956|
Input type 3：Interest-bearing product；
TYPE03
5001|
Input type 4：Account scope and interest-bearing product；
TYPE04
0030000010001706951|0030000010001706956|5502|
Input type 5：Bank outlets
TYPE05
02603|
Step 202, according to the input content, each account in the range of account to be verified is obtained from banking system and is corresponded to
The first interest.
Herein, first interest is according to pre-set first interest-bearing algorithm in banking system by the banking system
It is calculated.
Specifically, step 202 can be realized in the following way herein：
Corresponding first interest of each account is obtained from banking system according to each account to be verified.
Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and end
Corresponding first interest of each account only between account.
Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification.
Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine under interest-bearing product
Starting account to be verified and each effective account between account is terminated, and obtained from banking system to be verified under interest-bearing product
Starting account and terminate each effectively account corresponding first interest between account.
Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
Step 203, according to the input type, determine that the input type corresponding pre-set second bears interest and calculate
Method.
Herein, the second interest-bearing algorithm is differed with the first interest-bearing algorithm.
Specifically, the first interest-bearing algorithm is：The daily interest increment of the account in the range of account to be verified is calculated,
And the daily interest increment is accumulated in account gross interest, form expiry date for interest gross interest in expiry date for interest.
Such as by taking the clearing of current deposit interest as an example：
The first interest-bearing algorithm can include two formula steps：
A, int_incr_savings (t)=curr_balance (t) * int_rate_of_day；
B, int_available_savings (t)=int_available_savings (t-1)+int_incr_
savings(t)；
Wherein, wherein curr_balance (t) is the same day (t days) account balance；
Int_rate_of_day is the rate per diem that the listed Annual Percentage Rate announced according to bank is converted；
Int_incr_savings (t) is the odd-numbered day interest of the account same day (t days)；
Int_available_savings (t) and int_available_savings (t-1) is the same day (t days) respectively
With the account gross interest of proxima luce (prox. luc) (t-1 days).
In this way, banking system can carry out two steps of A, B daily, in expiry date for interest without operation, so that it is always sharp to form expiry date for interest
Breath.
In addition, the second interest-bearing algorithm can be：Gone through according to the change of the remaining sum of the account in the range of account to be verified
History data, expiry date for interest gross interest is directly calculated in expiry date for interest.
Such as by taking the clearing of current deposit interest as an example：
The second interest-bearing algorithm can include a formula step：
C, int_available_savings (t)=curr_balance_1*int_rate_of_day*no_of_
days_1+
curr_balance_2*int_rate_of_day*no_of_days_2+......+
curr_balance_t*int_rate_of_day*no_of_days_t
Wherein curr_balance_1, curr_balance_2 ..., curr_balance_t be from first day to
The segmentation account balance on t days (same day).
Int_rate_of_day is the rate per diem that the listed Annual Percentage Rate announced according to bank is converted.
No_of_days_1, no_of_days_2 ..., no_of_days_t be from first to t (same day)
Each section of remaining sum survival number of days.
Int_available_savings (t) is to t days account gross interests.
In this way, expiry date for interest gross interest is only directly obtained by the step C in expiry date for interest without operation daily in this programme.
Step 204, according to the input content, determine in the range of the account to be verified corresponding to the input content
The interest-bearing key element of each account.
Herein, interest-bearing key element can include account balance, interest rate, survival number of days, layering interest-bearing limit etc., different inputs
Content can correspond to different interest-bearing key elements.
Step 205, according to the interest-bearing key element and the second interest-bearing algorithm, determine each account in the range of account to be verified
Corresponding second interest, and record the calculating process data of second interest.
Step 206, corresponding first interest of each account in the range of account to be verified and the second interest be compared
Verification, and generate the check results for including the verification mark whether identical for the first interest of expression and the second interest.
Step 207, according to each account pair in the range of the calculating process data of second interest and account to be verified
The check results answered, generation verification report file.
In an instantiation, the verification report file can include：Checked result is reported and calculating process report.
The checked result report includes：Verification mark, account information, the first interest and second interest.
Such as to include content as follows for checked result report：
|F|<===ACCT-NO====>|<===INT-AVAIL1==>|<===INT-AVAIL2=
=>
|Y|0030000010001707460|+000000000010.50270|+000000000010.50270|
|N|0030000010001707198|+000000000003.24760|+000000000003.24660|
|Y|0030000010001706954|+000000000000.00120|+000000000000.00120|
|Y|0030000010001706955|+000000000000.55000|+000000000000.55000|
Wherein, F row represent verification mark, and ACCT-NO row represent account information, and INT-AVAIL1 row represent the first interest,
INT-AVAIL2 row represent the second interest.Y therein represents that the first interest and the second interest are checked successfully, and result is identical.N
Represent the first interest and the second interest is checked successfully but result is different.
The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account correspond to
The interest of one day, corresponding section remaining sum survival from date of account, the corresponding section remaining sum survival date of expiry of account and
Corresponding section remaining sum survival phase gross interest of account.
Such as to include content as follows for calculating process report：
<===ACCT-NO====>|<==CURR-BAL===>|<=INTRAT=>|<===INT-
INCR===>|<=B-DT>|<=E-DT>=|<DAY>|<====INT-AVAIL=>|
0030000010001707198|+00000000000010.000|+000.380000|+
000000000000.00011|20151221|20151230|00009|+000000000000.00099|
0030000010001707198|+00000000000200.000|+000.380000|+
000000000000.00211|20151230|20160107|00008|+000000000000.01688|
0030000010001707198|+00000000000300.000|+000.380000|+
000000000000.00317|20160107|20160109|00002|+000000000000.00634|
0030000010001707198|+00000000000300.000|+000.380000|+
000000000000.00317|20160109|20160109|00001|+000000000000.00317|
Wherein, ACCT-NO row represent account information；CURR-BAL row represent interest-bearing remaining sum；INTRAT row represent account institute
The interest rate of application；INT-INCR row represent the account interest of corresponding one day；B-DT row represent that corresponding section remaining sum of account is deposited
Continuous from date；E-DT row represent the corresponding section remaining sum survival date of expiry of account；DAY row represent survival number of days；INT-
AVAIL row represent corresponding section remaining sum survival phase gross interest of account.
The method of calibration of a kind of cash in banks account interest provided in an embodiment of the present invention, on banking system host platform
Obtain pre-set input file, and obtained according to different input types each in the range of account to be verified
Corresponding first interest of account；According to input type and input content, the meter of each account in the range of account to be verified is determined
Key element and pre-set second interest-bearing algorithm are ceased, so that it is determined that each account corresponding second in the range of account to be verified
Interest.In this way, the interest that two kinds of different algorithms obtain can be compared, to determine whether both are identical, so that in silver
Complete to calculate on row system host platform and check checkout action, and generate verification report file.The present invention is independent of artificial
The calculating of computing capability or auxiliary tool and process performance, are not only restricted to data network transmission and the shadow of cross-platform code system conversion
Ring, the accuracy of verification of data is higher.
Corresponding to the embodiment of the method shown in above-mentioned Fig. 1 and Fig. 2, as shown in figure 3, the embodiment of the present invention also provides a kind of silver
The calibration equipment of row savings account interest, including：
File obtaining unit 31, for obtaining pre-set input file；The input file include input type and
For representing the input content of account scope to be verified.
Banking system result of calculation acquiring unit 32, for according to the input content, being obtained from banking system to be verified
Account in the range of corresponding first interest of each account；First interest is according in banking system by the banking system
What pre-set first interest-bearing algorithm was calculated.
Interest-bearing key element and algorithm determination unit 33, for according to the input type and input content, determining to be verified
The interest-bearing key element of each account in the range of account and pre-set second interest-bearing algorithm；The second interest-bearing algorithm with it is described
First interest-bearing algorithm differs.
Second interest computing unit 34, for according to the interest-bearing key element and the second interest-bearing algorithm, determining account to be verified
Corresponding second interest of each account in the range of number, and record the calculating process data of second interest.
Interest verification unit 35, for corresponding first interest of each account in the range of account to be verified and second is sharp
Verification is compared in breath, and generates check results.
Report file generation unit 36 is verified, for the calculating process data according to second interest and account to be verified
The corresponding check results of each account in the range of number, generation verification report file.
Specifically, the input type for the input file that the file obtaining unit 31 obtains includes account list, accordingly
The input content of account scope to be verified includes each account to be verified.
Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified includes treating
The starting account and termination account of verification.
Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified includes meter
Cease product identification.
Alternatively, the input type includes account scope and interest-bearing product, the input of corresponding account scope to be verified
Content includes starting account to be verified and terminates account and interest-bearing product identification.
Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes silver
Row number node.
In addition, the banking system result of calculation acquiring unit 32, is specifically used for：
Corresponding first interest of each account is obtained from banking system according to each account to be verified.
Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and end
Corresponding first interest of each account only between account.
Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification.
Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine under interest-bearing product
Starting account to be verified and each effective account between account is terminated, and obtained from banking system to be verified under interest-bearing product
Starting account and terminate each effectively account corresponding first interest between account.
Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from silver
Row system obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
Specifically, as shown in figure 4, the interest-bearing key element and algorithm determination unit 33, including：
Second interest-bearing algorithm determining module 331, for according to the input type, determining that the input type is corresponding pre-
The the second interest-bearing algorithm first set.
Interest-bearing key element determining module 332, for according to the input content, determining to treat school corresponding to the input content
The interest-bearing key element of each account in the range of the account tested.
In addition, the interest verification unit 35, is specifically used for：
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into the check results for including the verification mark whether identical for the first interest of expression and the second interest.
Specifically, the verification report file of 36 generation of verification report file generation unit includes：Checked result is reported
Reported with calculating process.
The checked result report includes：Verification mark, account information, the first interest and second interest.
The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account correspond to
The interest of one day, corresponding section remaining sum survival from date of account, the corresponding section remaining sum survival date of expiry of account and
Corresponding section remaining sum survival phase gross interest of account.
Specifically, the first interest-bearing algorithm that the first interest in the banking system result of calculation acquiring unit 32 is applied
For：The daily interest increment of the account in the range of account to be verified is calculated, and the daily interest increment is accumulated to account
In gross interest, expiry date for interest gross interest is formed in expiry date for interest.
The second interest-bearing algorithm in the second interest computing unit 34 is：According to the account in the range of account to be verified
Remaining sum change histories data, directly calculate expiry date for interest gross interest in expiry date for interest.
The calibration equipment of a kind of cash in banks account interest provided in an embodiment of the present invention, on banking system host platform
Obtain pre-set input file, and obtained according to different input types each in the range of account to be verified
Corresponding first interest of account；According to input type and input content, the meter of each account in the range of account to be verified is determined
Key element and pre-set second interest-bearing algorithm are ceased, so that it is determined that each account corresponding second in the range of account to be verified
Interest.In this way, the interest that two kinds of different algorithms obtain can be compared, to determine whether both are identical, so that in silver
Complete to calculate on row system host platform and check checkout action, and generate verification report file.The present invention is independent of artificial
The calculating of computing capability or auxiliary tool and process performance, are not only restricted to data network transmission and the shadow of cross-platform code system conversion
Ring, the accuracy of verification of data is higher.
The embodiment of the present invention also provides a kind of computer-readable recording medium, is stored thereon with computer program, the program
Following steps are realized when being executed by processor：
Obtain pre-set input file；The input file includes input type and for representing account to be verified
The input content of scope.
According to the input content, corresponding first profit of each account in the range of account to be verified is obtained from banking system
Breath；First interest is to be calculated by the banking system according to pre-set first interest-bearing algorithm in banking system
's.
According to the input type and input content, determine the interest-bearing key element of each account in the range of account to be verified with
And pre-set second interest-bearing algorithm；The second interest-bearing algorithm is differed with the first interest-bearing algorithm.
According to the interest-bearing key element and the second interest-bearing algorithm, each account corresponding in the range of account to be verified is determined
Two interests, and record the calculating process data of second interest.
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into check results.
According to the corresponding verification of each account in the range of the calculating process data of second interest and account to be verified
As a result, generation verification report file.
In addition, the embodiment of the present invention also provides a kind of computer equipment, including memory, processor and it is stored in storage
And the computer program that can be run on a processor, the processor realize following steps when performing described program：
Obtain pre-set input file；The input file includes input type and for representing account to be verified
The input content of scope.
According to the input content, corresponding first profit of each account in the range of account to be verified is obtained from banking system
Breath；First interest is to be calculated by the banking system according to pre-set first interest-bearing algorithm in banking system
's.
According to the input type and input content, determine the interest-bearing key element of each account in the range of account to be verified with
And pre-set second interest-bearing algorithm；The second interest-bearing algorithm is differed with the first interest-bearing algorithm.
According to the interest-bearing key element and the second interest-bearing algorithm, each account corresponding in the range of account to be verified is determined
Two interests, and record the calculating process data of second interest.
Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and it is raw
Into check results.
According to the corresponding verification of each account in the range of the calculating process data of second interest and account to be verified
As a result, generation verification report file.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The computer program production that usable storage medium is implemented on (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or square frame in journey and/or square frame and flowchart and/or the block diagram.These computer programs can be provided
The processors of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices, which produces, to be used in fact
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided and is used for realization in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a square frame or multiple square frames.
Apply specific embodiment in the present invention to be set forth the principle of the present invention and embodiment, above example
Explanation be only intended to help understand the present invention method and its core concept；Meanwhile for those of ordinary skill in the art,
According to the thought of the present invention, there will be changes in specific embodiments and applications, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Claims (16)
- A kind of 1. method of calibration of cash in banks account interest, it is characterised in that including：Obtain pre-set input file；The input file includes input type and for representing account scope to be verified Input content；According to the input content, corresponding first interest of each account in the range of account to be verified is obtained from banking system； First interest is calculated by the banking system according to pre-set first interest-bearing algorithm in banking system；According to the input type and input content, the interest-bearing key element of each account in the range of account to be verified and pre- is determined The the second interest-bearing algorithm first set；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；According to the interest-bearing key element and the second interest-bearing algorithm, corresponding second profit of each account in the range of account to be verified is determined Breath, and record the calculating process data of second interest；Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates school Test result；According to the corresponding check results of each account in the range of the calculating process data of second interest and account to be verified, Generation verification report file.
- 2. the method for calibration of cash in banks account interest according to claim 1, it is characterised in that the input type bag Account list is included, the input content of corresponding account scope to be verified includes each account to be verified；Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified is including to be verified Starting account and terminate account；Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified, which includes bearing interest, to be produced Product are numbered；Alternatively, the input type includes account scope and interest-bearing product, the input content of corresponding account scope to be verified Including starting account to be verified and terminate account and interest-bearing product identification；Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes bank's net Point numbering.
- 3. the method for calibration of cash in banks account interest according to claim 2, it is characterised in that according in the input Hold, corresponding first interest of each account in the range of account to be verified is obtained from banking system, including：Corresponding first interest of each account is obtained from banking system according to each account to be verified；Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and termination account Corresponding first interest of each account between number；Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from department of banking System obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification；Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine to treat school under interest-bearing product The starting account tested and each effective account between account is terminated, and from banking system obtains to be verified under interest-bearing product Each effectively corresponding first interest of account between beginning account and termination account；Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from department of banking System obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
- 4. the method for calibration of cash in banks account interest according to claim 3, it is characterised in that according to the input class Type and input content, the interest-bearing key element and pre-set second interest-bearing for determining each account in the range of account to be verified are calculated Method, including：According to the input type, the corresponding pre-set second interest-bearing algorithm of the input type is determined；According to the input content, the interest-bearing of each account in the range of the account to be verified corresponding to the input content is determined Key element.
- 5. the method for calibration of cash in banks account interest according to claim 4, it is characterised in that by account to be verified In the range of corresponding first interest of each account and the second interest verification is compared, and generate check results, including：Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates bag Check results containing the verification mark whether identical for the first interest of expression and the second interest.
- 6. the method for calibration of cash in banks account interest according to claim 5, it is characterised in that the verification report text Part includes：Checked result is reported and calculating process report；The checked result report includes：Verification mark, account information, the first interest and second interest；The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account corresponding one Corresponding section remaining sum survival from date of it interest, account, corresponding section remaining sum survival date of expiry of account and account Corresponding section remaining sum survival phase gross interest.
- 7. the method for calibration of cash in banks account interest according to claim 1, it is characterised in that described first, which bears interest, calculates Method is：The daily interest increment of the account in the range of account to be verified is calculated, and the daily interest increment is accumulated to account In number gross interest, expiry date for interest gross interest is formed in expiry date for interest；The second interest-bearing algorithm is：According to the remaining sum change histories data of the account in the range of account to be verified, settling interests Day directly calculates expiry date for interest gross interest.
- A kind of 8. calibration equipment of cash in banks account interest, it is characterised in that including：File obtaining unit, for obtaining pre-set input file；The input file includes input type and for table Show the input content of account scope to be verified；Banking system result of calculation acquiring unit, for according to the input content, account to be verified to be obtained from banking system In the range of corresponding first interest of each account；First interest is set in advance according in banking system by the banking system What the first interest-bearing algorithm put was calculated；Interest-bearing key element and algorithm determination unit, for according to the input type and input content, determining account model to be verified The interest-bearing key element of each account in enclosing and pre-set second interest-bearing algorithm；The second interest-bearing algorithm and the described first meter Breath algorithm differs；Second interest computing unit, for according to the interest-bearing key element and the second interest-bearing algorithm, determining account scope to be verified Corresponding second interest of interior each account, and record the calculating process data of second interest；Interest verification unit, for corresponding first interest of each account in the range of account to be verified and the second interest to be carried out Inspection, and generate check results；Report file generation unit is verified, for the calculating process data according to second interest and account scope to be verified The interior corresponding check results of each account, generation verification report file.
- 9. the calibration equipment of cash in banks account interest according to claim 8, it is characterised in that the file acquisition list The input type for the input file that member obtains includes account list, and the input content of corresponding account scope to be verified includes treating Each account of verification；Alternatively, the input type includes account scope, the input content of corresponding account scope to be verified is including to be verified Starting account and terminate account；Alternatively, the input type includes interest-bearing product, the input content of corresponding account scope to be verified, which includes bearing interest, to be produced Product are numbered；Alternatively, the input type includes account scope and interest-bearing product, the input content of corresponding account scope to be verified Including starting account to be verified and terminate account and interest-bearing product identification；Alternatively, the input type includes bank outlets, the input content of corresponding account scope to be verified includes bank's net Point numbering.
- 10. the calibration equipment of cash in banks account interest according to claim 9, it is characterised in that the banking system Result of calculation acquiring unit, is specifically used for：Corresponding first interest of each account is obtained from banking system according to each account to be verified；Alternatively, according to starting account to be verified and account is terminated from banking system acquisition starting account to be verified and termination account Corresponding first interest of each account between number；Alternatively, according to the interest-bearing product identification, the corresponding each effective account of the interest-bearing product identification is determined, and from department of banking System obtains corresponding each effectively corresponding first interest of account of interest-bearing product identification；Alternatively, according to starting account to be verified and terminating account and interest-bearing product identification, determine to treat school under interest-bearing product The starting account tested and each effective account between account is terminated, and from banking system obtains to be verified under interest-bearing product Each effectively corresponding first interest of account between beginning account and termination account；Alternatively, numbered according to the bank outlets, determine that the bank outlets number corresponding each effective account, and from department of banking System obtains corresponding each effectively corresponding first interest of account of bank outlets' numbering.
- 11. the calibration equipment of cash in banks account interest according to claim 10, it is characterised in that the interest-bearing key element And algorithm determination unit, including：Second interest-bearing algorithm determining module, for according to the input type, determining that the input type is corresponding and pre-setting The second interest-bearing algorithm；Interest-bearing key element determining module, for according to the input content, determining the account to be verified corresponding to the input content The interest-bearing key element of each account in the range of number.
- 12. the calibration equipment of cash in banks account interest according to claim 11, it is characterised in that the interest verification Unit, is specifically used for：Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates bag Check results containing the verification mark whether identical for the first interest of expression and the second interest.
- 13. the calibration equipment of cash in banks account interest according to claim 12, it is characterised in that the verification report The verification report file of file generating unit generation includes：Checked result is reported and calculating process report；The checked result report includes：Verification mark, account information, the first interest and second interest；The calculating process report includes：Interest rate that the account information, interest-bearing remaining sum, account are applied, account corresponding one Corresponding section remaining sum survival from date of it interest, account, corresponding section remaining sum survival date of expiry of account and account Corresponding section remaining sum survival phase gross interest.
- 14. the calibration equipment of cash in banks account interest according to claim 8, it is characterised in that the banking system The first interest-bearing algorithm that the first interest in result of calculation acquiring unit is applied is：Calculate the account in the range of account to be verified Number daily interest increment, and the daily interest increment is accumulated in account gross interest, it is total to form expiry date for interest in expiry date for interest Interest；The second interest-bearing algorithm in the second interest computing unit is：According to the remaining sum of the account in the range of account to be verified Change histories data, expiry date for interest gross interest is directly calculated in expiry date for interest.
- 15. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the program is by processor Following steps are realized during execution：Obtain pre-set input file；The input file includes input type and for representing account scope to be verified Input content；According to the input content, corresponding first interest of each account in the range of account to be verified is obtained from banking system； First interest is calculated by the banking system according to pre-set first interest-bearing algorithm in banking system；According to the input type and input content, the interest-bearing key element of each account in the range of account to be verified and pre- is determined The the second interest-bearing algorithm first set；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；According to the interest-bearing key element and the second interest-bearing algorithm, corresponding second profit of each account in the range of account to be verified is determined Breath, and record the calculating process data of second interest；Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates school Test result；According to the corresponding check results of each account in the range of the calculating process data of second interest and account to be verified, Generation verification report file.
- 16. a kind of computer equipment, including memory, processor and the calculating that is stored in storage above and can run on a processor Machine program, it is characterised in that the processor realizes following steps when performing described program：Obtain pre-set input file；The input file includes input type and for representing account scope to be verified Input content；According to the input content, corresponding first interest of each account in the range of account to be verified is obtained from banking system； First interest is calculated by the banking system according to pre-set first interest-bearing algorithm in banking system；According to the input type and input content, the interest-bearing key element of each account in the range of account to be verified and pre- is determined The the second interest-bearing algorithm first set；The second interest-bearing algorithm is differed with the first interest-bearing algorithm；According to the interest-bearing key element and the second interest-bearing algorithm, corresponding second profit of each account in the range of account to be verified is determined Breath, and record the calculating process data of second interest；Verification is compared in corresponding first interest of each account in the range of account to be verified and the second interest, and generates school Test result；According to the corresponding check results of each account in the range of the calculating process data of second interest and account to be verified, Generation verification report file.
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| CN201711068096.5A CN107909465A (en) | 2017-11-03 | 2017-11-03 | A kind of method of calibration and device of cash in banks account interest |
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| CN109584036A (en) * | 2018-10-11 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Calculation and object method, apparatus, electronic equipment and computer readable storage medium |
| CN109754320A (en) * | 2018-12-28 | 2019-05-14 | 中国银行股份有限公司 | A kind of account interest proofreading method and device |
| CN110046982A (en) * | 2018-11-28 | 2019-07-23 | 阿里巴巴集团控股有限公司 | A kind of interest-bearing data processing method and device |
| CN113657992A (en) * | 2021-08-16 | 2021-11-16 | 支付宝(杭州)信息技术有限公司 | Data processing method and system |
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