CN108090016A - A kind of computing device of financial product - Google Patents
A kind of computing device of financial product Download PDFInfo
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- CN108090016A CN108090016A CN201711098740.3A CN201711098740A CN108090016A CN 108090016 A CN108090016 A CN 108090016A CN 201711098740 A CN201711098740 A CN 201711098740A CN 108090016 A CN108090016 A CN 108090016A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F15/00—Digital computers in general; Data processing equipment in general
- G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
- G06F15/0225—User interface arrangements, e.g. keyboard, display; Interfaces to other computer systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F15/00—Digital computers in general; Data processing equipment in general
- G06F15/02—Digital computers in general; Data processing equipment in general manually operated with input through keyboard and computation using a built-in program, e.g. pocket calculators
- G06F15/0216—Constructional details or arrangements
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention provides a kind of computing device of financial product, including input module, computing module and display module, the input module is configured to receive the input of user, and the computing module is configured to calculate financial product according to the input of the user, wherein：For the display module configuration to switch in response to the display pattern handover operation of user between the first display pattern and the second display pattern, first display pattern is the pattern shown according to the computing module to the calculated value of single financial product；Second display pattern is to carry out the pattern of comparison display to the calculated value of more than two financial products according to the computing module.The computing device can make user by easily operating and user intuitively being shown, to understand the quality between various financial products and more various financial products.
Description
Technical field
The present invention relates to a kind of electronic calculator, more particularly, to a kind of computing device of financial product.
Background technology
Current financial product (such as finance product, loan product) species is various, and layman is (for example, bank is objective
Family, the crowd for financial investment with demand) it is difficult the relevant information and correlation for remembeing simultaneously skillfully to apply these financial products
Parameter and calculation, therefore when in face of so numerous and jumbled various financial product, it is difficult to be made to these financial products
Relatively and it is difficult to determine whether to be made that optimal selection.And currently for finance product or different types of loan, work as silver
When row staff is to present customers, it is also desirable to can be only achieved by remembering complicated calculation formula and lengthy and tedious operation
Purpose due to being related to more formula and parameter, therefore is easy to malfunction, therefore, this kind of method not only inefficiency, and error rate
It is very high.Many calculators do not have memory function, it is necessary to which calculating is repeated several times simultaneously, just can confirm that whether result of calculation is correct.
There is presently no a kind of such computing device of financial product, can make user by easily operate and to
Family is intuitively shown, to understand the good and bad comparison between various financial products and various financial products, and this electronics
Calculator have memory function, and more optimizedly can quickly be updated according to the financial product to emerge in an endless stream its numerical procedure and
Relevant parameter, so as to user demand of quickly following up.
The content of the invention
Above-mentioned in order to overcome the problems, such as to exist in the prior art, the present invention proposes a kind of computing device of financial product,
It can make user by easily operating and user intuitively being shown, to understand various financial products and various financial products
Between good and bad comparison.
Scheme according to the present invention provides a kind of computing device of financial product, including input module, computing module,
And display module, the input module are configured to receive the input of user, the computing module is configured to according to the user's
Input calculates financial product, wherein：The display module configuration be in response to user display pattern handover operation and
Switch between the first display pattern and the second display pattern, first display pattern is to single according to the computing module
The pattern that the calculated value of financial product is shown；Second display pattern is to more than two gold according to the computing module
The calculated value for melting product carries out the pattern of comparison display.
Preferably, the display module is further configured to the relevant information and relevant parameter of display financial product, described
Relevant information includes the title of financial product.
Preferably, the display module is further configured in response to the parameter adjustment operation of user and after showing adjustment
Parameter and the calculated value calculated by the computing module based on the parameter after adjustment.
Preferably, the parameter after adjustment includes：At least one of time, the amount of money.
Preferably, the display module is further configured to show same trade finance according to the product contrast operation of the same trade or business of user
The relevant information and calculated value of product.
Preferably, in the case where the calculated value is multiple, the display module is further configured to display wherein one
A calculated value, and the calculated value after switching is shown in response to the calculated value handover operation of user.
Preferably, the computing module is further configured to believe the correlation of financial product according to the setting operation of user
Breath and/or calculation procedure are updated.
Preferably, the computing device further comprises：Communication module is configured to by communicating with external equipment
It is updated with the relevant information to financial product and/or calculation procedure.
Preferably, described pair for calculate financial product relevant information and calculation procedure be updated including：To finance
In the name of product of product, calculation formula, relevant parameter at least one of be updated.
Preferably, the input module includes Keysheet module, and the Keysheet module is included corresponding to different financial products
Multiple product keys and the first function key for receiving the display pattern handover operation, wherein the multiple product key includes
Loan class product key and financing class product key, and wherein described computing module is further configured to according to the user to described
Time limit, the amount of money of operation and the input of product key and pair calculated with the corresponding financial product of product key, and
Wherein described display module be further configured to according to the user to the display pattern handover operation of first function key and
Switch between first display pattern and second display pattern.
Preferably, the Keysheet module is the combination of matrix keyboard or matrix keyboard and stand-alone keypad, and uses work(by it
Function key, product key, number key, calculation keys can be divided into.
Preferably, the function key of the Keysheet module includes：One " ON/AC " function key is started shooting for calculator, is removed
Calculate data and screen content；One " window " function key, for the various dispaly states of toggle screen；One optional " same trade "
Function key, under two Window states, loan under the same or similar Parameter Conditions of one of window display same trade,
The results such as financing；One optional " years months " function key is " year " or " moon " for forcing to specify current input time parameter；
One " comparison " function key, under two Window states, calculating and exporting the difference of two window calculation results；One
" switching " function key shows multiple result of calculations under identical calculations parameter for cyclic switching；One optional " upper one grade " work(
Energy key, in the case where not changing other input parameters, time limit or interest rate parameter being adjusted upward a class, and obtained
Result of calculation；One optional " next shelves " function key, in the case where not changing other input parameters, by time limit or interest rate
Parameter one class of adjustment, and obtain result of calculation downwards；One " backspace ← " function key, for deleting the 1 of input parameter,
When input parameter only has 1, input parameter is put as sky；One " determining OK " function key, for confirming the data of parameters,
And obtain final calculation result.
Preferably, the loan product key of the Keysheet module includes：One " whole to borrow whole go back " product key, for determining loan
The refund type of product is " whole to borrow whole go back " type, i.e., the loan disposably repaid capital with interest；One " single-candidate capital " product key, is used for
Determine that the refund type of loan product for " single-candidate capital " type, i.e., after loan origination, monthly gives back the amount of money identical capital, and it is sharp
Breath is different；One " equal principal " product key, for determining the refund type of loan product as " equal principal " type, i.e., loan is sent out
After putting, the identical amount of money is monthly given back, but the amount of money is made of different principal and interest；One " monthly paying interest " product key,
For determining that the refund type of loan product for " monthly paying interest " type, i.e., after loan origination, monthly only gives back interest, expires once
Property gives back capital.
Preferably, the finance product key of the Keysheet module includes：Several " finance product " product keys, for determining to work as
Preceding finance product corresponds to certain finance product of bank, such as finance product 1；One optional " current " product key, is used for
It is " current " to determine current deposit-type；One optional " notifying for 1 day " product key, for determining current deposit-type for " notice
Deposit ", and the phase is deposited as 1 day；One optional " notifying for 7 days " product key, for determining current deposit-type as " deposit at notice ",
And the phase is deposited as 7 days；One optional " surely living convenient to both " product key, for determining current deposit-type for " surely living convenient to both "；One
Optional " whole deposit is whole to be taken " product key, for determining that current deposit-type is " whole deposit is whole to be taken "；One optional " installment " product
Key, for determining that current deposit-type is " installment "；One optional " whole deposit zero takes " product key, for determining current deposit
Type is " whole deposit zero takes "；One optional " deposit and originally take breath " product key, for determining that current deposit-type is " deposit and originally take breath ".
Preferably, the digital key assignments of the Keysheet module includes：10 number keys, for inputting digital 0-9；One can
" 00 " number key is selected, for inputting digital " 00 ", that is, inputting " 0 " key twice；One optional " 0000 " number key, is used for
Input is digital " 0000 ", that is, inputting " 00 " key or 4 " 0 " keys twice；
Preferably, the calculation keys of the Keysheet module include：4 arithmetic keys, for inputting "+" "-" "×"
" ÷ " calculation keys；One optional calculation keys, for inputting "=", which can merge with function key " confirmation ", i.e., when last
After a input parameter input, " confirmation " " OK " key is pressed, is equivalent to and presses "=" key, notice calculator calculates and returns to meter
It calculates as a result, and being displayed on the screen.
Preferably, the product key of the Keysheet module, can match button prompting lamp, when pressing product key, button prompting
Lamp is lighted, for the product type that user is prompted currently to calculate.
Preferably, the product key of the Keysheet module, when product key pressing, can by screen display, voice prompt,
The forms such as button prompting lamp prompt user.
The computing device of the financial product provided according to the present invention can allow the user to be visually known and more various
Quality between financial product, so as to when in face of the financial product that name class is various, parameter is various, calculation is various, help
User selects financial product optimal for which, has ensured the interests of user.
Description of the drawings
Fig. 1 is the structure diagram of the computing device of the financial product of first embodiment of the invention.
Fig. 2 (a) and Fig. 2 (b) illustrate the first display pattern and the second display pattern respectively.
Fig. 3 and Fig. 4 be the loan financing of the preferred embodiment of the present invention special calculator respectively in the first display pattern and
Interface layout under second display.
Fig. 5 is the schematic diagram for operating to be shown for pressing " switching " button in response to user compared with Fig. 4.
The schematic diagram that Fig. 6 presses the operation of " comparison " button to be shown in the state of Fig. 5, in response to user.
Fig. 7 is the schematic diagram for pressing the operation of " comparison " button in response to user to be shown under the state of fig. 4.
Fig. 8 is the internal structure schematic diagram of the special calculator of the loan financing of the preferred embodiment of the present invention.
Fig. 9 is the internal circuit schematic diagram of the special calculator of the loan financing of the preferred embodiment of the present invention.
Specific embodiment
The various schemes and feature of the disclosure are described herein with reference to attached drawing.By with reference to the accompanying drawings to being given as non-limit
The description of the preferred form of the embodiment of property example processed, these and other characteristic of the invention will become apparent.
This specification can be used phrase " in one embodiment ", " in another embodiment ", " in another embodiment
In " or " in other embodiments ", it can be referred to according to one or more of identical or different embodiment of the disclosure.Note
Meaning, in the specification, identical reference numeral refer to the same or similar element, and omit unnecessary repetition and retouch
It states.In addition, in specific embodiment, the element occurred in the singular is not precluded from the form of multiple (a plurality of) to occur.
Fig. 1 is the structural representation of the computing device (hereinafter referred to as " computing device ") of the financial product of one embodiment of the invention
Figure.Financial product as described herein includes financing class and loan type of financial product.As shown in the figure, computing device 100 includes input
Module 101, computing module 102 and display module 103.The input module 101 is used to receive the input of user, the calculating
The input for the user that module 102 is received according to input module 101 calculates financial product.The display module 103 responds
Switch in the first handover operation (display pattern handover operation) of user between the first display pattern and the second display pattern,
The first display pattern M1 is the pattern shown according to the computing module to the calculated value of single financial product；Second
Display pattern M2 is the pattern for carrying out comparison display to the calculated value of more than two financial products according to the computing module.
First display pattern M1 and the second display pattern M2 is exemplified in Fig. 2 (a) and Fig. 2 (b) respectively.For example,
Under one display pattern M1, calculated value 1 is corresponding be " financial product 1 " under " time limit 1 " and " interest rate 1 " according to gold input by user
The interest that volume calculates；In the second display pattern M2, it is shown that the comparison of two financial products, i.e., " financial product 1 " is in " the phase
The calculated value 1 (interest) and " financial product 2 " calculated under limit 1 " and " interest rate 1 " according to the amount of money input by user is in " time limit 2 "
The calculating calculated under " interest rate 2 " according to the amount of money input by user (or according to equal amount of money when calculating financial product 1)
Value 2 (interest).
It can be different depending on financial product by parameter input by user.For example, some financial products it has been specified that
Time limit, then user only input the amount of money and obtain calculated value.It (takes for example, whole deposit is whole, is surely living convenient to both etc.) in addition, some financial products
The amount of money and time limit can be inputted by user to calculate calculated value.
The second display pattern M2 in Fig. 2 (b) shows the comparison of two financial products, but it is aobvious to be arranged on second
Show the comparison that three or more financial products are shown under pattern M2.Although it in addition, is shown in Fig. 2 (b) in a manner of laterally arranging
The comparison of two financial products, but this comparison can be shown in a manner of longitudinal arrangement.
Under pattern M1 and M2, to make user more directly perceived, financial product name is shown in the first row of display module 103
Claim information, time limit and interest rate (relevant parameter used in calculating), and " the profit corresponding to calculated value is shown above calculated value
Breath " printed words distinguish for user.However in the case of simple displaying, these information and parameter can not be shown, only show meter
Calculation value shows each calculated value to be compared.Also, shown information can be varied as desired.For example, except
Outside financial product name information, time limit and interest rate, amount information input by user (parameter) etc. is also shown.
The computing device 100 of the present embodiment can realize in the form of slim calculator, can also be in a software form or soft
The form of combination of hardware is realized.
In a second embodiment, on the basis of above-mentioned first embodiment, input module 101 can also receive the ginseng of user
Number adjustment operates and corresponding signal is sent to computing module 102, and computing module 102 can be according to corresponding signal to relevant parameter
Be adjusted, and calculated to obtain calculated value to parameter after adjustment, and parameter after the display adjustment of display module 103 and
The calculated value being calculated by the computing module 103 based on parameter after adjustment.
Specifically, for example, user can carry out the adjustment operation in relation to time and/or the amount of money.
More specifically, input module 101 is for example including multiple buttons (virtual or entity), one of button be by
Month phase increased button when user is often by the button next time, is then considered as parameter (the phase moon) used in calculating plus 1, is updating
On the basis of the phase moon afterwards, computing module is calculated as a result, and showing it on display module 103.
User quick can be understood when some parameter changes to financial product by easily operating as a result,
Result of calculation.
In the third embodiment, on the basis of above-mentioned first embodiment, input module 101 can also receive the same of user
Corresponding signal is simultaneously sent to computing module 102 by industry product contrast operation, and computing module 102 can be according to corresponding signal to the same trade
Product is calculated to obtain calculated value (under default situations, based on identical parameters), and display module 103 shows finance of the same trade or business
The relevant information and calculated value of product.
By the embodiment, financial product sales force can make client quickly understand financial product of the same trade or business quality and
Compared with being carried out intuitively with one's own profession financial product, client is made quickly to make decision.
Calculated value is considered as multiple situations in fourth embodiment.For example, what is calculated is that capital adds interest or only counts
Calculate interest.In this case, on the basis of above-mentioned first embodiment, input module 101 in fourth embodiment can be with
Calculated value handover operation input by user is received, and the calculated value after switching is obtained by calculation in computing module 102, shows mould
Calculated value after the output switching of block 103.
In the 5th embodiment, on the basis of above-mentioned first embodiment, it is contemplated that the reality of the more new function of computing device
It is existing.In this embodiment, input module 101 can also receive it is input by user operation is set, into parameter setting interface, then
User can by input updated parameter come the relevant information (for example, name of product or description etc.) to financial product and/or
Calculation procedure (such as use fixed of calculation formula or calculation formula rather than the relevant parameter that is inputted in real time by user etc.).
In the modified example of the 5th embodiment, on the basis of above-mentioned first embodiment, realize calculate in a different manner
The more new function of device.Wherein, which further comprises communication module, is used for and external device communication, to update it
The computing module of storage inside (will be detailed in embodiment below to calculate the calculation procedure of financial product and relevant parameter
Thin description), the type of communication module includes but not limited to the correlation modules such as USB, serial ports, bluetooth, infrared, Wifi.
The preferred embodiment of the present invention is described below in detail.
It provides a loan special calculator the present embodiment provides a kind of financing applied to bank and relevant industries, including：One
Microprocessor (microcontroller or ARM etc.), a liquid crystal display (at least show three row contents, including Chinese character, number, letter
And the additional characters such as percentage), it is connected with microprocessor and matrix keyboard, the first row of liquid crystal display can be used for showing
Such as whole deposit is whole to be taken, and whole deposit zero takes, interest rate, 3 years, simple interest and percentage printed words etc., the second behavior calculating section, this point
As common calculator, the third line can show the difference of result of calculation or different windows result of calculation, directly perceived bright and clear, this
A few row display contents can need to carry out parameter adjustment and position replacement according to different；One matrix keyboard, ranks are total
Line is connected to the I/O port of microprocessor or is connected to microprocessor by extending I/O port；One reset circuit, Huo Zhewei
Electrification reset resets for button, for also having the modules such as such as display screen, I/O expansion module to be resetted microprocessor
Operation；One crystal oscillator module for working normally the cycle of oscillation signal for providing and needing to microprocessor, ensures the normal work of circuit
Make；One buzz circuit, when needed (for example, in the case of normal boot-strap, at the time of pressing any one button) send
Tick sound；One communication module (USB, serial ports, RS232, WiFi, bluetooth, it is infrared, in I2C interface any one or it is several).Under
Various aspects in face of financing loan special calculator provided in this embodiment are described in detail.
It introduces at interface
Fig. 3 and Fig. 4 is the computing device of the financial product of the preferred embodiment of the present invention, is specially a kind of the special of financing of providing a loan
With calculator, the interface layout under the first display pattern and the second display respectively.As shown in figure 3, it is topmost liquid crystal display
Part is described below on its layout and display content, highlights the keyboard layout below display screen now.
The present embodiment one shares such as 45 keyboards, presses it and is divided into function key, product key, number key, computing using function
Key can be divided into four parts substantially.
First portion belongs to dedicated 4 buttons of loan, in figure 3, in the lower left corner being entirely laid out, occupies four rows one
Row, are also not necessarily limited to this, can change its placement position as needed certainly, are " whole to borrow whole go back ", " single-candidate capital ", " etc. respectively
Volume principal and interest " and " monthly paying interest ".Each button represents different types of loan mechanism, the situation of normal boot-strap, as long as pressing it
In a button, calculator can stop ongoing action, generate to interrupt and simultaneously feed back to microprocessing unit (corresponding claims
In computing module), main program control into corresponding loan product calculating, at this point, having been transferred inside program required
Relevant parameter, staff (user) only need to input time limit, the amount of money, then carry out simple key combination and can be achieved with providing a loan
The calculating of product, while screen can also show its relevant information, be solved one by one below on the content representated by each button
It releases：
" whole to borrow whole go back ", " equal principal ", " single-candidate capital ", " monthly paying interest " represent four kinds of different loan repayments respectively
Mode.
Second portion belongs to dedicated 12 buttons of finance product, in figure 3, in the right side of loan dedicated button, accounts for
It is arranged according to four rows three, is also not necessarily limited to this certainly, its placement position and specific finance product species can be changed as needed, respectively
It is " financing No. 1 ", " financing 2 ", " financing 3 ", " financing 4 " and " current ", " notifying within 1 day ", " notifying within 7 days ", " fixed living
It is convenient to both ", " whole deposit is whole to be taken ", " installment ", " whole deposit zero takes ", " deposit and originally take breath ".Each button represents different types of financing
Product, the situation of normal boot-strap, as long as pressing one of button, calculator can stop ongoing action, generate interruption
And microprocessor (computing module in corresponding claims) is fed back to, main program control enters the calculating of corresponding finance product,
At this point, having transferred required relevant parameter inside program, staff (user) only needs to input time limit, the amount of money, then
The calculating that simple key combination can be achieved with finance product is carried out, while screen can also show its relevant information.
Part III belongs to number and simple computation function key, in figure 3, in the lower right corner being entirely laid out, occupies five
Row three arranges, and is also not necessarily limited to this certainly, can change its placement position as needed, including common digital " 0 ", " 1 ", " 2 ",
" 3 ", " 4 ", " 5 ", " 6 ", " 7 ", " 8 ", " 9 " and general calculator can all have " 00 " to represent hundred, it is contemplated that the present embodiment
Mainly in financing and loan product, and finance product be typically all 50,000 starting, therefore add one represent ten thousand by
Key " 0000 ", due to being all integer input, also without " " button of the representative decimal point of common calculator.Also generation
Four "+" of the general computing function of table, "-", " * ", " ÷ " addition subtraction multiplication and division computing buttons, the button in the lower right corner is " definite " to be represented really
Recognize function, this point is as common calculator.
Part IV is special function keys, is predominantly located at top line, " ON/AC ", " window ", " same trade ", " term ",
" the phase moon ", " comparison ", " upper one grade " of " switching " and the lower right corner, " next shelves ", " ← ", make introductions all round these function keys below
Effect.
“ON/AC”：Cls or starting key if the first display pattern, then remove entire display screen, if
Two display patterns only remove the screen chosen, and in addition that remains unchanged；In the case of being not keyed up, the button is pressed, it can be direct
Start；
" window "：Plectrum switchs, and altogether there are three position, is equivalent to three buttons in fact, is corresponded to when being respectively at left, center, right
The function of three buttons.It is single screen display pattern (that is, the first display pattern), cursor is at this time when in an intermediate position
Unique single screen；It is twin display mode (that is, the second display pattern), and cursor is in left-hand screen when in left position
Curtain；It is twin display mode (that is, the second display pattern), and cursor is in right screen when in location right.Work as slip
During plectrum, for example from left position location right is slided into, although can be by centre position, as long as interval time is shorter (silent
Think 1 second, the parameter can be adjusted as needed), it may not be necessary into single screen mode, simply cursor is moved by left screen
Right screen；
" same trade "：The finance product between the corresponding same trade of one's own profession product is represented, this is to choose one's own profession first
After loan or finance product, the key is pressed, then shows corresponding product of the same trade or business, is at this time double screen for comparing quality
Display pattern includes one's own profession loan or finance product in left screen, and colleague's product is shown in right screen, while can incite somebody to action
Cursor is automatically positioned to the screen (left screen) where one's own profession loan or finance product, next can be by stirring plectrum
It switchs to change cursor position；
" term "：In order to more easily select the time limit, it is not necessary to one grade one grade of adjustment up and down, it is only necessary to press the key, so
After select the corresponding time limit, then can be revised as the different time, such as 1 year, 2 years, 5 years, 8 years etc.；
" the phase moon "：Usage is identical with the time limit, and the time simply changed is month, such as January, February, March, June etc.
Deng；
" comparison "：When screen display mode is the second display pattern, two grades of left and right shows different products respectively, can be with
Poor by the income for pressing both keys, calculating product, default algorithm is that the display result of left screen is subtracted right screen
Display as a result, and difference is shown in the corresponding position of the third line；
" switching "：Switching key is used for switching the parameter of comparison, for example is capital；Or it is interest；Or capital+profit
Breath；Or it is monthly repayment amount etc.；
" upper one grade "：Adjustment time, give tacit consent to adjustment is month phase corresponding gear, can press " term " button as needed
It switches over, effect is to adjust upward；
" next shelves "：Adjustment time, give tacit consent to adjustment is month phase corresponding gear, can press " term " button as needed
It switches over, effect is to adjust downwards；
“←”：Parameter is removed, acquiescence removes the numerical value of last input.
Two kinds of display patterns of display screen are highlighted now, are illustrated in figure 3 the first display pattern, i.e. single screen is shown
Show pattern, entire screen is shown as an entirety, by taking " whole deposit is whole to be taken " as an example, it is assumed that capital is 10,000,000, then sharp
In the case that rate is 4.25%, the income interest of 3 years is 1275000；Fig. 4 show the second display pattern, i.e., entire screen point
Different contents is shown for the full symmetric two parts in left and right, it is assumed that capital is all 10,000,000, Left half-plane screen display
Be the calculating interface of " financing No. 1 " the and as a result, time limit is 3 years, year interest rate be 8.50%, the interest calculated is
2550000；Right half plane be shown " whole deposit is whole to be taken " calculating interface and as a result, the time limit be 3 years, year interest rate be
4.25%, the interest calculated is 1275000；Fig. 4 show result of calculation and only shows interest, can also be by capital+interest
Mode show (for example, by calculated value handover operation of user, more specifically, pressing " switching " button by user), such as
Shown in Fig. 5, the key difference of Fig. 4 and Fig. 5 are exactly that result of calculation adds interest to show by only interest or capital, and upper right
The display content on side is also respectively " interest " and " capital+interest ", both certain different display modes can also be applied to
Pattern one is exactly that pattern one cannot intuitively bright and clear comparison；Fig. 5 show capital that two kinds of different financing schemes calculate+
If interest as a result, pressing " comparison " button at this time, occur shown in Fig. 6 as a result, at this point, system can be to two kinds of financing sides
The result for the principal and interest that case respectively obtains carries out subtraction, and left (right side) half screen result can be selected to subtract right (left side) half
Screen is as a result, and the results are shown in the next lines of capital+interest result in left (right side) half screen；Fig. 7 is only to show interest mould
Comparative result figure under formula, it is clear that Fig. 6 is consistent with the content of the third line of Fig. 7, because inherently price difference, is kept not
Become.
Fig. 3 is the outer interface schematic diagram of the financing loan special calculator of the present embodiment.The financing loan of the present embodiment
The display screen of special calculator can show at least four rows, and often row can be shown including Chinese character and English character and percentage
The content of spcial characters number is waited, screen acts not only as an entirety to show, can also be divided into symmetrical screen to show
Show the relevant parameter of different product, to play simple and clear contrast effect, only had chosen herein as representative liquid crystal display
CA24064 as an example, allows using more other display screens during actually realizing, possibly even by fixed
It makes preferably to support this function；Consider that the button of the present embodiment is more, including number key, function key, product button etc., letter
6X8 matrix keyboards may be employed for list as permutation is inputted, matrix keyboard and stand-alone keypad can also be divided into according to demand, this
Sample can preferably realize programing function.
Fig. 8 is the internal structure schematic diagram of the financing loan special calculator of the present embodiment, mainly including processor module
(that is, i.e., " computing module " in claim) U1, display module U2, Keysheet module (" input module " i.e. in claim)
The modules such as U3, reseting module U4, crystal oscillator module U5, Buzzing module U6, communication module U7, power module U8.In addition, expansion interface
Module U9, the correlation modules such as extension storage module U10, voice module can take the circumstances into consideration to be added.Processor module U1 is
A most important part in system, control circuit normal work and control screen display correct result, the present embodiment select 8 51
Microcontroller realizes the function, is also not necessarily limited to the processing of such as ARM series of the microcontroller or more high-end of more seniority top digit certainly
Device unit；The display panel type that display module U2 includes is divided into many kinds, and the most commonly used is two kinds of liquid crystal displays and LED charactrons, examine
Consider current embodiment require that the spcial characters such as Display of Chinese characters and percentage, therefore liquid crystal display is selected to realize the function；Keyboard mould
Block U3 is also an important ring, is generally divided into matrix keyboard and stand-alone keypad, and keyboard matrix saves interface, and stand-alone keypad is just
In operation, it is contemplated that current embodiment require that more button, therefore selection matrix keyboard is realized, but is also not limited to this,
A part therein can also be designed as stand-alone keypad, it is so easy to operation, it is easy to accomplish the functions such as programming；Reseting module U4
For carrying out reset operation to processor module, display screen and correlation module, by programming jump to initial place, to display screen into
Row cls operates, and corresponding operating is also carried out to remaining correlation module；Crystal oscillator module U5 is used for generating clock, is input to processor die
Block corresponding port ensures the normal work of processor module；Buzzing module U6, be a controlled buzzer, needs when
Time sends the sound that ticks；The main purpose of communication module U7 is for the program inside more new processor, for updating different product
Relevant parameter, communication module can be divided into many types, and including USB, serial ports, bluetooth is infrared, the correlation modules such as Wifi, in order to
For the sake of simplicity, the present embodiment selection USB interface and USB turn serial port chip (specifically, for example, CH341T chips) to realize communication
Function will more new procedures be write by USB port inside processor accordingly；Power module U8 is used for system power supply, this reality
Applying the calculator of example can use two No. 7 (AAA) alkaline batteries of section to power, and two batteries are together in series, the anode of a batteries A
The negative terminal of other batteries B is connect, the negative terminal of A batteries meets GND, the positive termination VCC or interchangeable of B battery, and use can fill
Electric battery powered；In view of the possible not enough situations of IO of processor module, it is therefore desirable to be come using outside extension I/O module
More I/O ports are provided for using；If function is complex, possible internal storage unit and address are not enough, so also needing
More storage units are provided using external extension storage module, the module is not required in acquiescence in the present embodiment, but can
To add the module when needed.
Fig. 9 is the internal circuit schematic diagram of the financing loan special calculator of the present embodiment, and processor module U1 uses meaning
The STC89C52 family chips of method semiconductor production have 8 singlechip chips of 40 pins, certainly, are not limited in practice
Such chip, it is all it is similar can, which leans on above-mentioned battery powered, and VCC connection positive poles, GND connections
Power cathode.Display panel module U2 selections are also not necessarily limited to this, are belonged to band background certainly using TFT color screen, such as 24064 series
The liquid crystal display of light can show the 15X4 Chinese characters either additional characters such as 30X4 characters or " % ", and controlling switch is more,
Therefore controlled and be powered by battery using the IO of expansion connection module, VCC connects anode, and GND connects
Battery cathode.For Keysheet module U3, since the present embodiment has been related to totally 48 buttons, it is difficult to all using independently pressing
The form of key, can be with selection matrix keyboard and the form of stand-alone keypad, this example has used matrix keyboard to realize whole buttons,
It part button using the form of Independent keys, so can certainly be more convenient for realizing key-press programmable, specifically independently as needed
Key number can also change at any time as needed, if tangible excessive Independent keys, can only consider to increase extension I/O interface
Realize control, the present embodiment uses the matrix of 6X8 types (to consider the requirement of the present embodiment, actually only used it
In 45 buttons, as shown in the figure), using expansion connection module 0 output port PC0 as row bus, use expansion interface
The output port PA0 of module 0 has keyboard scan program as column bus, microcontroller storage inside, once some presses key pressing, and it is single
Piece chance detects the key position, then judges the purpose of the instruction, and programming jump is then made to be carried out corresponding to designated position
Operation, for example, in the case of normal boot-strap, presses ON/AC buttons, then in the case of carrying out cls operation or normal boot-strap,
" financing No. 1 " button is pressed, system can stop ongoing program at this time, carry out cls operation, while side the on the screen
A line by being previously set the corresponding Chinese character of display, number and character, and programming jump to the program managed money matters representated by No. 1 just
Beginning position, then by pressing corresponding number or function button with regard to the situation of Profit of the product, and result of calculation can be calculated
Corresponding position will be correctly shown in.If (such as five minutes, also can sets itself according to actual needs) be without appointing for a long time
What button operation, then system enters dormant state, and screen is closed, and only presses any button again (or specifically for start
Button " ON/AC ") when, system, system normal reset can be just reawaked, instruction pointer is in acquiescence initial position.U4
For the reseting module of the present embodiment, electricity is parallel to including button a KEY1, a resistance R1 and capacitance a C1, KEY1 and C1
Between source VCC and monolithic processor resetting pin RST, resistance R1 is between RST and GND, and under normal circumstances, RST is low level, and one
Denier presses switch key KEY1, then RST can be pulled to high level VCC, but due to the characteristic of RC circuits, RST pins can be gradual
GND is discharged to, exactly the high level pulse in short-term on RST pins can reset microcontroller, while also extension IO is connect
Mouth is resetted.U5 is the crystal oscillator module of the present embodiment, the purpose of module be in order to provide suitable recurrent pulse to microcontroller,
Ensure that microcontroller can work normally, it includes two capacitance C2 and C3 and crystal oscillator Y1, XT2 are connected to STC89C52's
One crystal oscillator pin XTAL2, XT1 are connected to another crystal oscillator pin XTAL1 of STC89C52, and Y1 is connected between XT1 and XT2,
C2 is between XT2 and GND, and C3 is between XT1 and GND.What U6 was represented is Buzzing module, mainly a buzzer,
For purposes than wide, each button when, can trigger the module user to be reminded successfully to press the button, also may be used
With used for other purposes, the module by an a triode Q1 and buzzer BZ and a resistance R3 be sequentially connected in series in VCC and GND it
Between, and control signal (being in the present embodiment P36, user can voluntarily select according to actual conditions) is connected to Q1 by resistance R2
Base terminal, to control the working condition of buzzer BZ, if P36 is high level, triode Q1 is closed, and BZ do not work, i.e.,
Do not send the sound；If P36 is low level, triode ON, BZ is worked normally at this time, sends the sound specified.U7 is communication
Module, the present embodiment use USB to be directly connected to what microcontroller communicated by CH341T, naturally it is also possible to as needed
Using serial ports, Wifi, bluetooth, the various modes such as infrared carry out communication process, but function is consistent, and the present embodiment is exactly logical
It crosses USB to be connected microcontroller with PC, by corresponding software such as keil uV2 etc., program burn writing is entered into microcontroller specific bit
It puts.
U8 (not shown) is power unit, and the AAA alkaline cell that the present embodiment saves No. 7 using two is also not necessarily limited to this certainly,
Two batteries are together in series, the negative terminal for just terminating other batteries B of a batteries A, the negative terminal of A batteries connects GND, B electricity
The positive termination VCC in pond；U9 represents extension I/O interface module, current embodiment require that control IO it is more, therefore used extension IO
Interface chip, chip type are 8155, are also not necessarily limited to this certainly, and similar chip, 8155 cores can be selected according to actual conditions
Input port AD0~AD7 of piece distinguishes the P00~P07 and P10~P17 of direct microcontroller, then exports PA0, PB0, PC0 connects
Corresponding port：Be either the row or column of matrix keyboard or be display screen respective pins, 8155 each enabled pin
It connects in a corresponding manner.
The operation instruction of loan financing special calculator provided in this embodiment is as follows：
1st, ensure that battery is correctly installed, and notices that positive and negative anodes not overturn first.
2nd, press " ON/AC " key to boot up, screen is the first display pattern at this time, i.e., shows as a whole, and is located
In cls state, give tacit consent to enter financing loan dedicated mode at this time, as shown in Figure 4.
If the 3, pressing loan button " whole to borrow whole go back ", " equal principal ", " single-candidate capital ", " monthly paying interest ", enter and borrow
The computing model of money product.For example, " whole to borrow whole go back " is pressed, system calls relative program, into the loan of " whole to be gone back by means of whole "
Money pattern, the first column of display screen of the first display pattern of acquiescence show corresponding word, and operating method can be designed as：It presses " whole
Gone back by means of whole ", then there is prompting " please input the amount of the loan " in screen, inputs the amount of the loan, such as 500000 by prompting, then shields
There is prompting " please input the length of maturity " (selecting default units as the moon) in curtain, inputs the length of maturity by prompting, there are three types of sides at this time
Formula is available, first, by corresponding number, such as 20 years, just presses 2,4,0 (being 240 months) successively or first presses
" time limit " button, then 2,0 is pressed, input 20 years is also corresponded to, " upper one grade " or " next shelves " then can also be used to adjust
Time limit, for the time limit, the system default time limit for one grade 1 year, limited for the moon, the system default time limit is one grade of March, by adjusting
Different maturity periods that upper one grade and next shelves can be realized, facilitate switching (being limited in minimum year 1 year, the minimum moon is limited to January), input year
After limit, screen can change the relevant parameter corresponding to the first column automatically, while calculate corresponding repayment amount and corresponding
Interest；As another example, to press " equal principal ", system calls relative program, into the loan pattern of equal principal, acquiescence the
The first column of display screen of one display pattern shows corresponding word, and operating method can be designed as：" equal principal " is pressed, is then shielded
" please input the amount of the loan " is prompted in curtain appearance, and the amount of the loan, such as 500000 are inputted by prompting, and then screen occurs prompting " to ask
Input the length of maturity " (selecting default units as the moon), the length of maturity is inputted by prompting, operating method is same as above, and is inputted after the time limit,
Screen can change the relevant parameter corresponding to the first column automatically, while calculate corresponding repayment amount and corresponding interest；
For other, and so on, repeat no more.
If it the 4th, presses such as " financing 1 " corresponding to finance product, " financing 2 ", " current ", " deposit and originally take breath " etc. to press
Key then into the corresponding operation mode of finance product, might as well illustrate, and press " financing 1 ", and system calls relative program, enters
The financing loan financing pattern of No. 1, the first column of display screen of the first display pattern of acquiescence show corresponding word, and operating method can be with
It is designed as：" financing 1 " is pressed, then there is prompting " please input the financing amount of money " in screen, and the financing amount of money is inputted by prompting, such as
500000, because finance product is typically all the prior prescribed time-limit, which writes direct inside program, therefore, connects down
The length of maturity is inputted like that not necessarily like loan product, and then screen can calculate the corresponding benefited amount of money and corresponding profit automatically
Breath；As another example, press " current ", system calls relative program, into the financing pattern of current, gives tacit consent to the first display pattern
The first column of display screen shows corresponding word, and operating method can be designed as：" current " is pressed, then screen appearance prompting " please be defeated
Enter the current amount of money ", the current amount of money, such as 500000 are inputted by prompting, then prompting " please input the current time limit " (choosing occurs in screen
Default units are selected as the moon), the deposit money time limit is inputted by prompting, operating method is same as above, and is inputted after the time limit, screen can be changed automatically
Relevant parameter corresponding to first column, while calculate corresponding account amount of money and corresponding interest；For other, with such
It pushes away, repeats no more.
5th, every time by next button, buzzer can all send the sound to tick, and user is prompted successfully to press this really
Key, naturally it is also possible to indicate correct operation by lighting corresponding LED light.
6th, screen display is divided into both of which, and the first display pattern refers to screen and used as an entirety, the second display mould
Formula refers to a screen and is divided into two full symmetric screens of left and right, shows the relevant parameter of different product respectively and calculates knot
Fruit, and the result of calculation of different product can be compared by corresponding button operation, and calculated and exported difference, energy
Both enough bright and clear comparisons directly perceived qualities.
The present embodiment has following technique effect：It can greatly simplify superfluous when financing calculating is carried out using traditional calculations device
Remaining step removes bank clerk and other related personnel from and memory complicated formulas is searched Related product when being calculated
Or pain during parameter list, calculating accordingly result that also can be efficiently errorless, it button can be passed through chooses any of which and produce
Product, main program directly invoke the relevant parameter being stored in memory, then only need simple button operation with regard to before drawing
Need it is lengthy and tedious calculate the just relevant parameters such as getable interest income, this product can store four kinds or more finance products and its
His similar products can obtain the parameter of different product by corresponding PORT COM from the different hosts such as computer, mobile phone, pad,
And corresponding position is stored in, wait the calling of main program, naturally it is also possible to by different key combinations, directly on calculator
Change corresponding parameter, the convenient and efficient update for realizing different product parameter (such as interest rate of finance product or loan).Meter
When calculation, a product is recalled by button first, then sequentially inputs the amount of money and time, shown by display screen and calculate knot
Fruit.The display screen of the present embodiment can be divided into two kinds of display patterns according to different needs, and display pattern one refers to display screen
It is used as an entirety, if only needing to show a kind of product and need not be compared, the pattern can be used；Display pattern two
Refer to that display screen is divided into symmetrical two parts, the information and result of calculation of a kind of product shown per side, convenient for than
Compared with the quality of different product.
The advantageous effect of the present embodiment is mainly comprising following components, first, display screen display content is detailed, comprehensive,
And can loan or financing clearly be showed compared with other products of the same trade or business by different display pattern and display field
Advantage and disadvantage, second is that can from the background be configured or directly exist for one's own profession product and product relevant parameter of the same trade or business and field
It is configured on calculator by Macintosh, greatly improves update efficiency, third, the inherent chip or component of this product are equal
The product of state-of-the-art technology can be used according to claim, calculating speed can not only be improved and supports more multi-functional and choosing
, power consumption can also be reduced.
Above example is only exemplary embodiment of the present invention, is not used in the limitation present invention, protection scope of the present invention
It is defined by the claims.Those skilled in the art can make the present invention respectively in the essence and protection domain of the present invention
Kind modification or equivalent substitution, this modification or equivalent substitution also should be regarded as being within the scope of the present invention.
Claims (10)
1. a kind of computing device of financial product, including input module, computing module and display module, the input module is matched somebody with somebody
The input for receiving user is set to, the computing module is configured to calculate financial product according to the input of the user,
In：
The display module configuration shows for the display pattern handover operation in response to user in the first display pattern and second
Switch between pattern,
First display pattern is the pattern shown according to the computing module to the calculated value of single financial product；
Second display pattern shows to carry out comparison to the calculated value of more than two financial products according to the computing module
Pattern.
2. the computing device of financial product according to claim 1, wherein：
The display module is further configured to the relevant information and relevant parameter of display financial product, and the relevant information includes
The title of financial product.
3. the computing device of financial product according to claim 2, wherein：
The display module be further configured in response to user parameter adjustment operation and show adjustment after parameter and by institute
State the calculated value that computing module is calculated based on the parameter after adjustment.
4. the computing device of financial product according to claim 3, wherein：
Parameter after adjustment includes：At least one of time, the amount of money.
5. the computing device of financial product according to claim 2, wherein：
The display module is further configured to show the correlation of financial product of the same trade or business according to the product contrast operation of the same trade or business of user
Information and calculated value.
6. the computing device of financial product according to claim 1, wherein：
In the case where the calculated value is multiple, the display module is further configured to show one of calculated value, and
And the calculated value after switching is shown in response to the calculated value handover operation of user.
7. the computing device of financial product according to claim 1, wherein：
The computing module is further configured to be operated and relevant information and/or calculating to financial product according to the setting of user
Program is updated.
8. the computing device of financial product according to claim 1, further comprises：
Communication module is configured to by being communicated with external equipment with the relevant information to financial product and/or calculating journey
Sequence is updated.
9. the computing device of financial product as claimed in claim 7 or 8, wherein
Described pair for calculate financial product relevant information and calculation procedure be updated including：To the ProductName of financial product
At least one in title, calculation formula, relevant parameter is updated.
10. according to the computing device of financial product according to any one of claims 1 to 8, wherein：
The input module include Keysheet module, the Keysheet module include corresponding to different financial products multiple product keys with
And the first function key for receiving the display pattern handover operation, wherein the multiple product key includes loan class product key
With financing class product key, and wherein
The computing module is further configured to according to time limit of the user to operation and the input of the product key, the amount of money
And pair calculated with the corresponding financial product of product key, and wherein
The display module be further configured to according to the user to the display pattern handover operation of first function key and
Switch between first display pattern and second display pattern.
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