CN108090016B - Electronic calculator for financial products - Google Patents
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- CN108090016B CN108090016B CN201711098740.3A CN201711098740A CN108090016B CN 108090016 B CN108090016 B CN 108090016B CN 201711098740 A CN201711098740 A CN 201711098740A CN 108090016 B CN108090016 B CN 108090016B
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- 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
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Abstract
The invention provides an electronic calculator of a financial product, which comprises an input module, a calculation module and a display module, wherein the input module is configured to receive input of a user, the calculation module is configured to calculate the financial product according to the input of the user, and the electronic calculator comprises: the display module is configured to switch between a first display mode and a second display mode in response to a display mode switching operation of a user, the first display mode being a mode in which a calculated value of an individual financial product is displayed according to the calculation module; the second display mode is a mode for comparing and displaying the calculated values of more than two financial products according to the calculating module. The computing device can enable a user to know various financial products and compare the advantages and disadvantages of the various financial products through convenient operation and visual display of the user.
Description
Technical Field
The present invention relates to an electronic calculator, and more particularly, to a computing device for financial products.
Background
The current financial products (e.g., financial products, loan products) are of a wide variety, and it is difficult for non-professional personnel (e.g., bank customers, people who have a need for financial investments) to remember and apply the relevant information and parameters and calculation methods of the financial products, so that it is difficult to compare the financial products and determine whether to make an optimal choice in the face of such a huge variety of financial products. At present, for financial products or loans of different types, when bank workers show the loans to customers, the purposes can be achieved by memorizing complex calculation formulas and tedious operations. Meanwhile, many calculators do not have a memory function and need to be repeatedly calculated for many times to determine whether the calculation result is correct.
At present, there is no computing device for financial products, which enables a user to know various financial products and the comparison between the various financial products through convenient operation and intuitive display for the user, and such an electronic computer has a memory function, and more preferably, can rapidly update its computing scheme and related parameters according to the financial products which are emerging endlessly, thereby rapidly following up the user's demand.
Disclosure of Invention
In order to overcome the problems in the prior art, the invention provides a computing device for financial products, which enables a user to know various financial products and the comparison between the various financial products through convenient operation and visual display for the user.
According to an aspect of the present invention, there is provided a computing device for a financial product, comprising an input module configured to receive input from a user, a computing module configured to compute a financial product based on the input from the user, and a display module, wherein: the display module is configured to switch between a first display mode and a second display mode in response to a display mode switching operation of a user, the first display mode being a mode in which a calculated value of an individual financial product is displayed according to the calculation module; the second display mode is a mode for comparing and displaying the calculated values of more than two financial products according to the calculating module.
Preferably, the display module is further configured to display related information of the financial product and related parameters, the related information including a name of the financial product.
Preferably, the display module is further configured to display the adjusted parameter and a calculation value calculated by the calculation module based on the adjusted parameter in response to a parameter adjustment operation by a user.
Preferably, the adjusted parameters include: at least one of time and amount.
Preferably, the display module is further configured to display the related information of the industry financial product and the calculated value according to the comparison operation of the industry financial product of the user.
Preferably, in the case that the calculated value is plural, the display module is further configured to display one of the calculated values, and display the switched calculated value in response to a calculated value switching operation by a user.
Preferably, the calculation module is further configured to update the related information of the financial product and/or the calculation program according to a setting operation of the user.
Preferably, the computing device further comprises: a communication module configured to update the related information of the financial product and/or the calculation program by communicating with an external device.
Preferably, the updating of the related information and the calculation program for calculating the financial product includes: and updating at least one of the product name, the calculation formula and the related parameters of the financial product.
Preferably, the input module includes a keyboard module including a plurality of product keys corresponding to different financial products and a first function key for receiving the display mode switching operation, wherein the plurality of product keys include a loan-type product key and a financing-type product key, and wherein the calculation module is further configured to calculate the financial product corresponding to the product key according to the operation of the product key by the user and an input term and amount, and wherein the display module is further configured to switch between the first display mode and the second display mode according to the display mode switching operation of the first function key by the user.
Preferably, the keyboard module is a matrix keyboard or a combination of the matrix keyboard and an independent keyboard, and is divided into function keys, product keys, number keys and operation keys according to the use functions of the keyboard module.
Preferably, the function keys of the keyboard module include: an "ON/AC" function key, is used for the calculator to start, clear away and calculate data and screen content; a "window" function key for switching various display states of the screen; one optional 'same industry' function key is used for displaying results of loan, financing and the like under the same or similar parameter conditions of the same industry in two window states; an optional "year/month" function key for forcing the designation of "year" or "month" for the currently entered time parameter; a 'comparison' function key for calculating and outputting the difference of the calculation results of the two windows in the state of the two windows; a 'switching' function key for circularly switching and displaying a plurality of calculation results under the same calculation parameters; an optional 'previous grade' function key, which is used for adjusting the time limit or interest rate parameter upwards by one grade without changing other input parameters and obtaining a calculation result; an optional 'next gear' function key, which is used for adjusting the time limit or interest rate parameter downwards by one gear without changing other input parameters and obtaining a calculation result; a function key of 'back grid ←' for deleting 1 bit of input parameter, when the input parameter only has 1 bit, setting the input parameter to null; and a 'confirm OK' function key for confirming the data of each parameter and obtaining the final calculation result.
Preferably, the loan product key of the keyboard module includes: a 'whole borrowing and whole returning' product key for determining that the repayment type of the loan product is 'whole borrowing and whole returning', namely, the loan paid by one-time repayment cost; an 'equal principal' product key for determining that the repayment type of the loan product is the 'equal principal', namely, the loan is released, the principal with the same amount is returned every month, but the interest is different; an 'equal interest' product key is used for determining that the repayment type of the loan product is the 'equal interest' type, namely after the loan is issued, the same amount is returned every month, but the amount consists of different principal and interest; and a monthly payment product key for determining that the repayment type of the loan product is the monthly payment type, namely after the loan is issued, interest is returned only monthly and the principal is returned once due.
Preferably, the financial product key of the keyboard module includes: the product keys of the plurality of financial products are used for determining that the current financial product corresponds to a certain financial product of a bank, such as the financial product No. 1; an optional "current" product key for determining that the current deposit type is "current"; an optional "1 day Notification" product key for determining that the current deposit type is "Notification deposit" and the deposit date is 1 day; an optional "notify for 7 days" product key for determining that the current deposit type is "notify deposit" and the deposit date is 7 days; an optional 'fixed-living and double-stool' product key is used for determining that the current deposit type is 'fixed-living and double-stool'; an optional 'whole deposit and whole fetch' product key for determining that the current deposit type is 'whole deposit and whole fetch'; an optional "zero deposit total fetch" product key for determining that the current deposit type is "zero deposit total fetch"; an optional 'whole deposit zero fetch' product key for determining that the current deposit type is 'whole deposit zero fetch'; an optional "deposit interest" product key is used to determine that the current deposit type is "deposit interest".
Preferably, the numeric key values of the keyboard module include: 10 number keys for inputting numbers 0-9; an optional '00' number key is used for inputting the number '00', namely, the number is equivalent to inputting the '0' key twice; an optional '0000' numeric key for inputting the number '0000', namely equivalent to inputting the '00' key twice or the '0' key 4 times;
preferably, the operation key of the keyboard module comprises: 4 arithmetic keys for inputting "+" "-" "" x "+" arithmetic keys; an optional operation key for inputting "=", which can be combined with the function key "confirm", namely when the last input parameter is input, pressing the "confirm" and "OK" keys, which is equivalent to pressing the "=" key, informs the calculator to calculate and return the calculation result, and displays the result on the screen.
Preferably, the product key of the keyboard module may be optionally provided with a key prompting lamp, and when the product key is pressed, the key prompting lamp is turned on to prompt the user of the currently calculated product type.
Preferably, when the product key of the keyboard module is pressed, the user can be prompted through screen display, voice prompt, key prompt lamp and other forms.
According to the financial product calculating device provided by the invention, a user can intuitively know and compare the advantages and disadvantages of various financial products, so that the user is helped to select the optimal financial product when the user faces the financial products with various names, parameters and calculation modes, and the benefits of the user are guaranteed.
Drawings
FIG. 1 is a schematic diagram of a computing device for financial products according to a first embodiment of the present invention.
Fig. 2(a) and 2(b) illustrate a first display mode and a second display mode, respectively.
Fig. 3 and 4 are interface layouts of a loan financing dedicated calculator in a first display mode and a second display, respectively, according to a preferred embodiment of the present invention.
Fig. 5 is a schematic diagram compared to fig. 4, displayed in response to an operation of the user pressing the "switch" key.
Fig. 6 is a schematic diagram showing a display in response to an operation of pressing the "compare" key by the user in the state of fig. 5.
Fig. 7 is a schematic diagram of a display in response to an operation of the user pressing the "compare" key in the state of fig. 4.
Fig. 8 is a schematic diagram of the internal structure of a special calculator for financing loan according to the preferred embodiment of the invention.
Fig. 9 is a schematic diagram of the internal circuit of the loan finance special calculator in the preferred embodiment of the invention.
Detailed Description
Various aspects and features of the disclosure are described herein with reference to the drawings. These and other characteristics of the invention will become apparent from the following description of a preferred form of embodiment, given as a non-limiting example, with reference to the accompanying drawings.
The specification may use the phrases "in one embodiment," "in another embodiment," "in yet another embodiment," or "in other embodiments," which may each refer to one or more of the same or different embodiments in accordance with the disclosure. Note that, throughout the specification, the same reference numerals denote the same or similar elements, and an unnecessary repetitive description is omitted. Furthermore, the singular reference of an element in the embodiments does not exclude the plural reference of such elements.
Fig. 1 is a schematic structural diagram of a computing device (hereinafter, referred to as "computing device") of a financial product according to an embodiment of the present invention. Financial products described herein include financial and loan-type financial products. As shown, the computing device 100 includes an input module 101, a computing module 102, and a display module 103. The input module 101 is used for receiving the input of the user, and the calculation module 102 calculates the financial product according to the input of the user received by the input module 101. The display module 103 switches between a first display mode and a second display mode in response to a first switching operation (display mode switching operation) by the user, the first display mode M1 being a mode in which a calculated value of an individual financial product is displayed according to the calculation module; the second display mode M2 is a mode in which calculated values of two or more financial products are displayed in comparison according to the calculation module.
The first display mode M1 and the second display mode M2 are illustrated in fig. 2(a) and 2(b), respectively. For example, in the first display mode M1, the value 1 corresponds to the interest calculated by the financial product 1 in accordance with the amount input by the user under the "term 1" and the "interest rate 1"; in the second display mode M2, a comparison of two financial products, that is, a calculated value 1 (interest) of "financial product 1" calculated from the amount input by the user at "term 1" and "interest rate 1" and a calculated value 2 (interest) of "financial product 2" calculated from the amount input by the user (or from the equivalent amount when calculating financial product 1) at "term 2" and "interest rate 2" is displayed.
The parameters that may be input by the user vary depending on the financial product. For example, if a certain financial product has been specified for a period of time, the user simply enters the amount to obtain the calculated value. In addition, some financial products (e.g., whole deposit, leave-and-go, etc.) may be calculated by a user entering a monetary value and a term.
The second display mode M2 in fig. 2(b) shows the comparison of two financial products, but it may be arranged that the comparison of three or more financial products is displayed in the second display mode M2. Further, although the comparison of two financial products is shown in a horizontally arranged manner in fig. 2(b), such a comparison may be shown in a vertically arranged manner.
Under the modes M1 and M2, in order to make the user more intuitive, the financial product name information, term and interest rate (related parameters used in the calculation) are displayed in the first row of the display module 103, and the "interest" word corresponding to the calculated value is displayed above the calculated value for the user to recognize. However, in the case of a simple display, these information and parameters may not be displayed, and only the calculated values may be displayed or the calculated values may be displayed for comparison. Also, the information displayed may vary as desired. For example, in addition to the financial product name information, term, and interest rate, money amount information (parameters) input by the user, and the like are displayed.
The computing apparatus 100 of the embodiment may be implemented in the form of a small computer, a software, or a combination of software and hardware.
In the second embodiment, on the basis of the first embodiment, the input module 101 may further receive a parameter adjustment operation of a user and send a corresponding signal to the calculation module 102, the calculation module 102 may adjust a corresponding parameter according to the corresponding signal and calculate the adjusted parameter to obtain a calculated value, and the display module 103 displays the adjusted parameter and the calculated value calculated by the calculation module 103 based on the adjusted parameter.
Specifically, for example, the user may perform an adjustment operation regarding the time and/or the amount of money.
More specifically, the input module 101 includes, for example, a plurality of keys (virtual or physical), one of which is a key that increases by a month, and when the user presses the key once, the parameter (month) used in the calculation is regarded as 1 added, and on the basis of the updated month, the calculation module calculates the result and displays it on the display module 103.
Therefore, the user can quickly know the calculation result of the financial product when one parameter changes through convenient operation.
In the third embodiment, on the basis of the first embodiment, the input module 101 may further receive a comparison operation of the same industry products of the user and send corresponding signals to the calculation module 102, the calculation module 102 may calculate the same industry products (based on the same parameters in a default case) according to the corresponding signals to obtain calculated values, and the display module 103 displays related information of the same industry financial products and the calculated values.
By the embodiment, the financial product salesperson can enable the customer to quickly know the quality of the same-industry financial product and enable the customer to quickly make a decision by visually comparing with the financial product of the same industry.
In the fourth embodiment, a case where the calculated value is plural is considered. For example, principal plus interest is calculated, or interest is calculated only. In this case, on the basis of the first embodiment, the input module 101 in the fourth embodiment may also receive a calculation value switching operation input by a user, and the calculation module 102 obtains a switched calculation value through calculation, and the display module 103 outputs the switched calculation value.
In a fifth embodiment, on the basis of the first embodiment described above, implementation of an update function of a computing apparatus is considered. In this embodiment, the input module 101 may further receive a setting operation input by the user, enter a parameter setting interface, and then the user may input updated parameters to obtain relevant information (e.g., product name or description, etc.) and/or calculation program (e.g., calculation formula, or relevant parameters fixed by the calculation formula rather than input by the user in real time, etc.) for the financial product.
In a modification of the fifth embodiment, the update function of the computing apparatus is implemented in a different manner on the basis of the first embodiment described above. The computing device further includes a communication module for communicating with an external device to update the computing module stored therein to compute the computing program of the financial product and related parameters (which will be described in detail in the following embodiments), and the type of the communication module includes but is not limited to USB, serial port, bluetooth, infrared, Wifi, and the like.
Preferred embodiments of the present invention are described in detail below.
The embodiment provides a financial loan special calculator applied to banks and related industries, which comprises: the system comprises a microprocessor (a single chip microcomputer or an ARM and the like), a liquid crystal display screen (at least displaying three lines of contents, including special symbols such as Chinese characters, numbers, letters, percentages and the like), a matrix keyboard, a second action calculating part and a third action calculating part, wherein the first line of the liquid crystal display screen can be used for displaying the whole storage and the whole taking, the whole storage and the zero taking, the interest rate, the third year, the interest rate, the percentage word sample and the like; the matrix keyboard is connected with IO ports of the microprocessor through row and column buses or connected to the microprocessor through expansion IO ports; the reset circuit is used for resetting the microprocessor and modules such as a display screen, an IO expansion module and the like; the crystal oscillator module is used for providing a required oscillation period signal for the normal work of the microprocessor and ensuring the normal work of the circuit; a buzzer circuit, which sounds when needed (for example, when any key is pressed under normal starting condition); a communication module (any one or more of USB, serial port, RS232, WiFi, Bluetooth, infrared, I2C interface). The following is a detailed description of various aspects of the financial loan special calculator provided in the present embodiment.
Introduction to the interface
Fig. 3 and 4 are interface layouts of a computing device of a financial product, specifically a calculator dedicated for financing, in a first display mode and a second display, respectively, according to a preferred embodiment of the present invention. As shown in fig. 3, the uppermost is a liquid crystal display portion, and with respect to the layout and display contents thereof described later, the layout of the keyboard below the display screen will now be described with emphasis.
The present embodiment has a total number of, for example, 45 keypads, which are divided into function keys, product keys, numeric keys, and operation keys according to their use functions, and basically can be divided into four parts.
The first part belongs to 4 keys dedicated for loan, and in fig. 3, the left lower corner of the whole layout occupies four rows and one column, but the layout positions can be changed as required, namely, "whole loan is still", "equal principal", and "monthly payment". Each key represents different loan mechanisms, under the condition of normal startup, as long as one key is pressed down, the calculator stops the ongoing action, generates interruption and feeds back the interruption to the micro-processing unit (corresponding to a computing module in the claim), the main program controls the calculation of the corresponding loan product, at the moment, the program calls the required relevant parameters, the worker (user) only needs to input the time limit and the amount, then the calculation of the loan product can be realized by simply combining the keys, and meanwhile, the screen can display the relevant information, and the content represented by each key is explained in the following one by one:
the "whole loan repayment", "equal amount principal" and "monthly payment" respectively represent four different loan repayment modes.
The second part belongs to 12 keys dedicated for financing products, and in fig. 3, the right side of the keys dedicated for loan occupies four rows and three columns, but certainly not limited thereto, the layout position and the specific kind of financing products can be changed as required, which are respectively 'financing 1 number', 'financing 2 number', 'financing 3 number', 'financing 4 number', and 'live time', '1 day notice', '7 day notice', 'fixed activity two convenience', 'whole deposit integer', 'zero deposit integer', 'whole deposit zero fetch', 'deposit local fetch'. Each key represents different kinds of financial products, when the computer is normally started, the calculator stops the ongoing action as long as one key is pressed down, the interruption is generated and fed back to the microprocessor (the calculation module in the corresponding claim), the main program controls the computer to enter the calculation of the corresponding financial product, at the moment, the required relevant parameters are called in the program, the staff (the user) only needs to input the time limit and the amount of money, then the calculation of the financial product can be realized by simply combining the keys, and meanwhile, the screen can display the relevant information.
The third part belongs to digital and simple calculation function keys, in fig. 3, the right lower corner of the whole layout occupies five rows and three columns, certainly not limited to the same, the layout position can be changed according to the need, including commonly used numbers "0", "1", "2", "3", "4", "5", "6", "7", "8", "9", and "00" which is common to general calculators to represent hundreds, considering that the present embodiment mainly aims at financing and loan products, and financing products are generally 5 thousands of starts, so a key "0000" representing ten thousands is added, since all are integer inputs, and a ". quadrature" key representing decimal points of the general calculator is also not needed. Four keys of plus, minus, plus and minus operations are used for representing general calculation functions, and the key 'determination' at the lower right corner represents a confirmation function, which is the same as that of a common calculator.
The fourth part is special function keys, which are mainly located in the top row, "ON/AC", "window", "co-industry", "year", "month", "contrast", "switch", and "last gear", "next gear", and "←" in the lower right corner, and the roles of these function keys are described below one by one.
"ON/AC": clearing the screen or starting up the key, if the display mode is the first display mode, clearing the whole display screen, if the display mode is the second display mode, only clearing the selected screen, and keeping the other screen unchanged; under the condition of not starting up the computer, the computer can be directly started up by pressing the button;
"Window": the plectrum switch has three positions, which are actually equivalent to three keys and respectively correspond to the functions of three buttons when the plectrum switch is positioned at the left, the middle and the right. When in the intermediate position, the display mode is a single-screen display mode (i.e., a first display mode), and the cursor is in a unique single screen at the time; when in the left position, in a two-screen display mode (i.e., a second display mode), and the cursor is in the left screen; when in the right position, it is in the dual screen display mode (i.e., the second display mode) and the cursor is in the right screen. When the plectrum is slid, for example, the plectrum is slid from the left position to the right position, although the middle position is passed, as long as the interval time is short (default is 1 second, the parameter can be adjusted as required), the single-screen mode does not need to be entered, and only the cursor is moved from the left screen to the right screen;
"the same industry": the method is characterized in that the method represents a financial product between the same industry corresponding to the product of the current line, the corresponding product of the same industry is displayed for comparing the advantages and disadvantages by pressing a key after the loan or the financial product of the current line is selected, the product of the current line is displayed on a left screen and the product of the same line is displayed on a right screen in a double-screen display mode, meanwhile, a cursor is automatically positioned on the screen (the left screen) where the loan or the financial product of the current line is positioned, and then the position of the cursor can be changed by shifting a plectrum switch;
"year period": in order to more conveniently select the age, the up-down adjustment of the first gear and the second gear is not needed, the key is only needed to be pressed, and then the corresponding age is selected, so that the time can be modified into different times, such as one year, two years, five years, eight years and the like;
"month period": usage is the same as year, except that the modified time is months, such as January, February, March, June, etc.;
"comparison": when the screen display mode is the second display mode, the left and right two files respectively display different products, the income difference of the two products can be calculated by pressing the key, and the default algorithm is that the display result of the left screen is subtracted from the display result of the right screen, and the difference value is displayed at the corresponding position of the third row;
"switching": the switching key is used for switching the comparison parameters, such as principal; or interest; or principal plus interest; or monthly payment amount, etc.;
"first gear last": the time is adjusted, the default adjustment is the gear corresponding to the month period, the switching can be carried out by pressing a 'year period' button according to the requirement, and the effect is upward adjustment;
the "next gear": the time is adjusted, the default adjustment is the gear corresponding to the month period, the switching can be carried out by pressing a 'year period' button according to the requirement, and the effect is downward adjustment;
"←": and clearing the parameter, and clearing the value input by the last bit by default.
Now, two display modes of the display screen are described, for example, as shown in fig. 3, a first display mode, that is, a single-screen display mode, where the whole screen is displayed as a whole, and assuming that principal is 1000 ten thousand, the profit interest for three years is 1275000 if the interest rate is 4.25%; fig. 4 shows a second display mode, in which the entire screen is divided into two completely symmetrical parts to display different contents, assuming that the principal is 1000 ten thousand, and the left half-plane screen displays the calculation interface and result of "financing No. 1", the term is 3 years, the annual percentage is 8.50%, and the calculated interest is 2550000; the right half plane shows the calculation interface and result of "whole stock and whole fetch", the term is 3 years, the annual percentage of interest is 4.25%, the calculated interest is 1275000; fig. 4 shows that the calculation result only displays interest, and can also display in a principal plus interest manner (for example, by a calculation value switching operation of a user, more specifically, by a user pressing a "switch" button), as shown in fig. 5, the key difference between fig. 4 and fig. 5 is that the calculation result is displayed in terms of only interest or principal plus interest, and the display contents at the upper right side are also "interest" and "principal plus interest", respectively, although these two different display manners can also be applied to the first mode, that is, the first mode cannot be visually and clearly compared; FIG. 5 shows the calculated principal and interest results of two different financing schemes, if the "contrast" button is pressed at this time, the result shown in FIG. 6 appears, at this time, the system will perform subtraction operation on the principal and interest results obtained by the two financing schemes, respectively, and may select the left (right) half screen result minus the right (left) half screen result, and display the result on the next line of the principal and interest result in the left (right) half screen; fig. 7 is a graph showing the results in interest-only mode, and it is clear that the contents of the third row of fig. 6 and 7 are identical because they are themselves spread and remain the same.
Fig. 3 is a schematic diagram of an external interface of the financial loan settlement special calculator of the embodiment. The display screen of the financial loan special calculator in the embodiment can display at least four lines, each line can display contents including Chinese characters, English characters, percentile numbers and other special characters, the screen can be displayed as a whole, and can also be divided into bilateral symmetric screens to display related parameters of different products so as to achieve visual and clear contrast effects, only the representative liquid crystal screen CA24064 is selected as an example in the text, more other display screens are allowed to be adopted in the actual implementation process, and even the function can be better supported through customization; considering that the number of keys of the present embodiment is many, including number keys, function keys, product keys, etc., a 6X8 matrix keyboard can be simply used as an input whole column, and can also be divided into a matrix keyboard and an independent keyboard according to requirements, so that a programming function can be better realized.
Fig. 8 is a schematic diagram of an internal structure of the financial loan administration special calculator of the embodiment, which mainly includes a processor module (i.e., "computation module" in the claims) U1, a display module U2, a keyboard module (i.e., "input module" in the claims) U3, a reset module U4, a crystal oscillator module U5, a buzzer module U6, a communication module U7, and a power supply module U8. In addition, related modules such as an expansion interface module U9, an expansion storage module U10, a voice module and the like can be added as appropriate. The processor module U1 is the most important part of the whole system, the control circuit works normally and the control screen displays correct results, the 8-bit 51 single chip microcomputer is selected to realize the function, and certainly, the function is not limited to a single chip microcomputer with higher bit number or a processor unit with higher end such as ARM series; the display module U2 comprises a plurality of display screen types, commonly used are a liquid crystal display and an LED digital tube, and the liquid crystal display is selected to realize the function in consideration of the fact that the embodiment needs to display special characters such as Chinese characters, percentages and the like; the keyboard module U3 is also an important ring, and is generally divided into a matrix keyboard and an independent keyboard, the keyboard matrix saves interfaces, the independent keyboard is convenient to operate, and considering that the present embodiment requires more keys, the matrix keyboard is selected to implement the operation, but not limited to this, a part of the matrix keyboard may also be designed as the independent keyboard, which is convenient to operate and easy to implement functions such as programming; the reset module U4 is used for resetting the processor module, the display screen and the related modules, jumping the program to the initial position, clearing the display screen and correspondingly operating the other related modules; the crystal oscillator module U5 is used for generating a clock, and inputting the clock to a corresponding port of the processor module to ensure the normal work of the processor module; a buzzer module U6, which is a controlled buzzer and emits beep when necessary; the main purpose of the communication module U7 is to update programs inside the processor for updating related parameters of different products, the communication module can be divided into many types, including related modules such as USB, serial, bluetooth, infrared, Wifi, etc., for simplicity, this embodiment selects a USB interface and a USB to serial chip (specifically, for example, a CH341T chip) to implement a communication function, and writes corresponding updated programs inside the processor through the USB port; the power module U8 is used to supply power to the system, the calculator of this embodiment can use two alkaline batteries of No. 7 (AAA), the two batteries are connected in series, the positive terminal of one battery a is connected to the negative terminal of the other battery B, the negative terminal of the battery a is connected to GND, and the positive terminal of the battery B is connected to VCC, or alternatively, the calculator can use rechargeable battery to supply power; considering the situation that the IO of the processor module may be insufficient, it is necessary to use an external extended IO module to provide more IO ports for use; if the function is more complex, internal memory locations and addresses may not be sufficient, so that it is also necessary to use an external expansion memory module to provide more memory locations, which is not required by default in this embodiment, but which can be added when needed.
Fig. 9 is a schematic diagram of an internal circuit of the financial loan administration special calculator of the embodiment, and the processor module U1 uses an STC89C52 series chip produced by semiconductor manufacturing by law of the law, and an 8-bit single chip microcomputer chip with 40 pins, but is not limited to such a chip in practice, and all the chips may be similar, the chip is powered by the above-mentioned battery, VCC is connected to the positive pole of the power supply, and GND is connected to the negative pole of the power supply. The display screen module U2 selects to use a TFT color screen, such as 24064 series, but is not limited thereto, and belongs to a liquid crystal display with a backlight, and can display special symbols such as 15X4 chinese characters or 30X4 characters or "%", and the number of control pins thereof is large, so that IO of the expansion interface module is used for control, and power is supplied by a battery, VCC is connected to the positive electrode of the battery, and GND is connected to the negative electrode of the battery. For the keyboard module U3, since the present embodiment relates to a total of 48 keys, it is difficult to use all the forms of independent keys, and the formats of the matrix keyboard and the independent keyboard can be selected, the present embodiment uses the matrix keyboard to implement all the keys, and certainly, some keys can use the forms of independent keys as required, so that key programming is more convenient to implement, the number of specific independent keys can also be changed at any time as required, if too many independent keys are actually used, only the expansion IO interface can be considered to be added to implement control, the present embodiment uses a matrix of 6X8 type (considering the requirements of the present embodiment, only 45 keys are actually used, as shown in the figure), the output port PC0 of the expansion interface module 0 is used as a row bus, the output port PA0 of the expansion interface module 0 is used as a column bus, and the single chip microcomputer stores a keyboard scanning program, once a key is pressed, the single chip detects the position of the key, then judges the purpose of the instruction, then makes the program jump to the designated position to perform corresponding operation, for example, under the condition of normal startup, pressing an ON/AC key can perform screen clearing operation, or under the condition of normal startup, pressing a 'financing 1' key, at the moment, the system can stop the ongoing program to perform screen clearing operation, at the same time, the first line above the screen is pressed to display corresponding Chinese characters, numbers and characters in advance, and the program jumps to the initial position of the program represented by the financing 1, then the income condition of the product can be calculated by pressing the corresponding numbers or function keys, and the calculation result can be correctly displayed at the corresponding position. If no key operation is performed for a long time (for example, five minutes, or the setting can be performed by itself according to actual needs), the system enters a sleep state, the screen is closed, the system is waken again only when any key is pressed again (or the specific power-ON key is "ON/AC"), the system is reset normally, and the instruction pointer is at a default initial position. U4 is the reset module of this embodiment, and includes a KEY1, a resistor R1 and a capacitor C1, KEY1 and C1 are connected in parallel between power VCC and the reset pin RST of the single chip microcomputer, and resistor R1 is between RST and GND, and in normal conditions, RST is low level, and once switch KEY1 is pressed, RST is pulled to high level VCC, but due to the characteristic of the RC circuit, the RST pin will gradually discharge to GND, and it is the short high level pulse on the RST pin that can reset the single chip microcomputer, and reset the extended IO interface. The U5 is a crystal oscillator module of this embodiment, and the purpose of the module is to provide proper periodic pulses for the single chip microcomputer and ensure the normal operation of the single chip microcomputer, and it includes two capacitors C2 and C3, and a crystal oscillator Y1, XT2 is connected to a crystal oscillator pin XTAL2 of STC89C52, XT1 is connected to another crystal oscillator pin XTAL1 of STC89C52, Y1 is connected between XT1 and XT2, C2 is between XT2 and GND, and C3 is between XT1 and GND. U6 represents a buzzer module, mainly a buzzer, which is widely used, and can be triggered each time a key is pressed to remind the user to press the key successfully, or used for other purposes, the module is formed by serially connecting a triode Q1, a buzzer BZ and a resistor R3 between VCC and GND in sequence, and a control signal (in this embodiment, P36, which can be selected by the user according to the actual situation) is connected to the base terminal of Q1 through the resistor R2 to control the working state of the buzzer BZ, if P36 is high level, the triode Q1 is turned off, and the BZ does not work, i.e., does not make a sound; if P36 is low level, the triode is conducted, and BZ works normally to produce designated sound. The U7 is a communication module, the USB used in this embodiment is directly connected to the single chip microcomputer through CH341T for communication, and certainly, various modes such as a serial port, Wifi, bluetooth, infrared and the like can be used for communication processing as needed, but the functions are consistent, in this embodiment, the single chip microcomputer is connected to the PC through the USB, and the program is programmed into the designated position of the single chip microcomputer through corresponding software such as keil uV2 and the like.
U8 (not shown) is a power supply part, two No. 7 AAA alkaline batteries are used in the present embodiment, but it is needless to say that the two batteries are not limited thereto, the positive terminal of one battery A is connected with the negative terminal of the other battery B, the negative terminal of the A battery is connected with GND, and the positive terminal of the B battery is connected with VCC; u9 represents the extension IO interface module, and the control IO that this embodiment needs is more, has consequently used extension IO interface chip, and the chip type is 8155, certainly not limited to this, can select similar chip according to actual conditions, and the input port AD0~ AD7 of 8155 chip directly respectively the P00~ P07 and P10~ P17 of singlechip, then output PA0, PB0, PC0 connects corresponding port: either as rows or columns of the matrix keyboard or as corresponding pins of the display screen, the respective enable pins of 8155 are also connected in a corresponding manner.
The description of the use of the loan finance special calculator provided in the embodiment is as follows:
1. firstly, the correct installation of the battery is ensured, and the anode and the cathode are not required to be reversed.
2. Pressing an 'ON/AC' key to start up, wherein the screen is in a first display mode, namely, the display is taken as a whole, and the screen is in a screen clearing state, and the financial loan management special mode is entered by default at the moment, as shown in figure 4.
3. If the loan key is pressed, the calculation mode of the loan product is entered. For example, pressing "whole borrowing and returning", the system calls the relevant program to enter the "whole borrowing and returning" loan mode, the first column of the display screen of the default first display mode displays the corresponding words, and the operation method may be designed as follows: pressing down 'whole loan still', then prompting 'please input loan amount' on the screen, inputting loan amount, such as 500000, then prompting 'please input loan term' (the default unit is month), inputting loan term according to the prompt, at the time, three ways are available, namely, pressing down 2, 4, 0 (namely 240 months) in sequence according to the corresponding number, such as 20 years, or pressing down the 'year limit' button, then pressing down 2, 0, which is equivalent to inputting 20 years, then using 'previous grade' or 'next grade' to adjust the term, for the year, the default term of the system is one grade one year, for the month limit, the default term of the system is one grade 3 months, by adjusting the previous grade and the next grade, the convenient switch of different terms can be realized (the lowest year limit is 1 year, the lowest month limit is 1 month), after inputting the year limit, the screen can automatically change the related parameters corresponding to the first column, and simultaneously calculate the corresponding repayment amount and the corresponding interest; as another example, pressing "equal amount interest", the system calls the related program to enter the loan mode of equal amount interest, and defaults to display corresponding words in the first column of the display screen in the first display mode, and the operation method may be designed as follows: pressing down 'equal amount basic information', then prompting 'please input loan amount' on a screen, inputting loan amount according to prompting, such as 500000, then prompting 'please input loan term' (selecting a default unit as a month), inputting loan term according to prompting, the operation method is the same as above, after inputting the year, the screen can automatically change relevant parameters corresponding to the first column, and simultaneously calculate corresponding repayment amount and corresponding interest; for others, the description is omitted by analogy.
4. If the keys corresponding to the financing product, such as 'financing 1 number', 'financing 2 number', 'current date', 'local account and interest saving' are pressed, the operation mode corresponding to the financing product is entered, for example, the 'financing 1 number' is pressed, the system calls the relevant program, the loan financing mode of the financing 1 number is entered, the first column of the display screen of the first display mode is defaulted to display the corresponding characters, and the operation method can be designed as follows: pressing 'financing No. 1', then prompting 'please input financing amount' on the screen, and inputting financing amount according to prompting, such as 500000, because financing products generally have a preset time limit, the parameters are directly written into the program, therefore, the loan time limit does not need to be input like loan products, and the screen can automatically calculate the corresponding benefit amount and the corresponding interest; as another example, pressing "current date", the system calls the relevant program, enters a current financing mode, defaults to a first column of a display screen in a first display mode to display corresponding characters, and the operation method may be designed as follows: pressing down the 'current date', then prompting 'please input current money' on the screen, inputting current money according to the prompt, such as 500000, then prompting 'please input current time limit' (the default unit is selected as month), inputting deposit money time limit according to the prompt, the operation method is the same as the above, after inputting the time limit, the screen can automatically change the relevant parameters corresponding to the first column, and simultaneously calculate the corresponding account money and the corresponding interest; for others, the description is omitted by analogy.
5. Each time a key is pressed, the buzzer sounds a beep to indicate to the user that the key has indeed been successfully pressed, although proper operation may be indicated by illuminating the corresponding LED light.
6. The screen display is divided into two modes, the first display mode refers to that the screen is used as a whole, the second display mode refers to that one screen is divided into two screens which are completely symmetrical left and right, related parameters and calculation results of different products are displayed respectively, the calculation results of the different products can be compared through corresponding key operation, the difference is calculated and output, and the advantages and the disadvantages of the two products can be visually and clearly compared.
The embodiment has the following technical effects: can greatly simplify the redundant steps when using the traditional calculator to carry out financial calculation, avoid the pain when bank workers and other related personnel search and memorize complex formulas or parameter tables for related products during calculation, can also efficiently and correctly calculate corresponding results, can select any one of the products through keys, the main program directly calls the related parameters stored in the memory, and then only simple key operation is needed to obtain the related parameters of interest and income which can be obtained only by complicated calculation before, the product can store more than four financial management products and other similar products, can obtain the parameters of different products from different hosts such as computers, mobile phones, pads and the like through corresponding communication ports, and store the parameters into corresponding positions to wait for the calling of the main program, and can also directly modify the corresponding parameters on the calculator through different key combinations, the updating of different product parameters (such as the interest rate of financial products or loans) is realized conveniently and quickly. During calculation, a product is called out through the keys, the amount and time are sequentially input, and a calculation result is displayed through the display screen. The display screen of the embodiment can be divided into two display modes according to different requirements, wherein the first display mode refers to that the display screen is used as a whole, and if only one product needs to be displayed and comparison is not needed, the display screen can be used; the second display mode is that the display screen is divided into two parts which are bilaterally symmetrical, and each side displays the information and the calculation result of one product, so that the advantages and the disadvantages of different products can be conveniently compared.
The beneficial effects of this embodiment mainly include following several parts, firstly, the detail of display screen display content, and can show clearly through different display modes and display field loan or reason for the good and bad of other peer products, secondly can set up or set up through the combination key on the calculator directly at background this line of products and peer product relevant parameter and field, have greatly improved and updated efficiency, thirdly, the chip or assembly in this product can all adopt the product of the latest technology according to the claim, not only can improve the calculation speed and support more functions and options, can also reduce the power consumption.
The above embodiments are only exemplary embodiments of the present invention, and are not intended to limit the present invention, and the scope of the present invention is defined by the claims. Various modifications and equivalents of the invention may be made by those skilled in the art within the spirit and scope of the invention, and such modifications and equivalents should also be considered as falling within the scope of the invention.
Claims (10)
1. An electronic calculator of a financial product, comprising an input module configured to receive input from a user, a calculation module configured to calculate a financial product based on the input from the user, and a display module, wherein:
the display module is configured to switch between a first display mode and a second display mode in response to a display mode switching operation by a user,
the first display mode is a mode for displaying the calculated value of a single financial product according to the calculation module;
the second display mode is a mode for comparing and displaying the calculated values of more than two financial products according to the calculating module;
the input module comprises a keyboard module comprising a plurality of product keys corresponding to different financial products and a first function key for receiving the display mode switching operation, wherein the plurality of product keys comprise loan-type product keys and financing-type product keys, and wherein the first display mode comprises a single-screen display mode and the second display mode comprises a dual-screen display mode; when the screen display mode is the second display mode, the left screen and the right screen respectively display different financial products, the key operation of the comparison function is responded, the display result of the left screen is subtracted by the display result of the right screen to calculate the profit difference of the different financial products, and the profit difference is displayed at the corresponding position;
the display module is further configured to switch between the single-screen display mode and the dual-screen display mode according to a display mode switching operation of the first function key by the user.
2. The electronic calculator of financial products of claim 1, wherein:
the display module is further configured to display related information of the financial product and related parameters, the related information including a name of the financial product.
3. The electronic calculator of financial products of claim 2, wherein:
the display module is further configured to display the adjusted parameter and a calculation value calculated by the calculation module based on the adjusted parameter in response to a parameter adjustment operation by a user.
4. The electronic calculator of financial products of claim 3, wherein:
the adjusted parameters include: at least one of time and amount.
5. The electronic calculator of financial products of claim 2, wherein:
the display module is further configured to display the related information and the calculated value of the industry financial product according to the comparison operation of the industry product of the user.
6. The electronic calculator of financial products of claim 1, wherein:
in the case that the calculated value is multiple, the display module is further configured to display one of the calculated values, and display the switched calculated value in response to a calculated value switching operation by a user.
7. The electronic calculator of financial products of claim 1, wherein:
the computing module is further configured to update the related information of the financial product and/or the computing program according to the setting operation of the user.
8. The electronic calculator of financial products of claim 1, further comprising:
a communication module configured to update the related information of the financial product and/or the calculation program by communicating with an external device.
9. An electronic calculator of financial products as claimed in claim 7 or 8, in which
Updating the related information and the calculation program for calculating the financial product includes: and updating at least one of the product name, the calculation formula and the related parameters of the financial product.
10. The electronic calculator of financial product of any one of claims 1 to 8, wherein:
the calculation module is further configured to calculate the financial product corresponding to the product key according to the operation of the product key by the user and the input term and amount.
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| CN113051210A (en) * | 2019-12-27 | 2021-06-29 | 张家界航空工业职业技术学院 | Special calculator for financial accounting |
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