CN108305177A - A kind of method, terminal and computer readable storage medium insuring processing of settling interests - Google Patents
A kind of method, terminal and computer readable storage medium insuring processing of settling interests Download PDFInfo
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- CN108305177A CN108305177A CN201810083042.4A CN201810083042A CN108305177A CN 108305177 A CN108305177 A CN 108305177A CN 201810083042 A CN201810083042 A CN 201810083042A CN 108305177 A CN108305177 A CN 108305177A
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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
- G06Q40/08—Insurance
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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 application provides a kind of method, terminal and computer readable storage medium insuring processing of settling interests, call the account value interface of insurance kind, from account value interface captures user underwriting account, and the current period corresponding with user's underwriting account settles interests section and the current period settles interests the primary account remaining sum in section；It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account declaration form value change value corresponding with each timing node；It is worth changed timing node, and same day account declaration form value change value corresponding with each timing node according to declaration form, obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this extended insurance interest.Current period declaration form in section of settling interests is obtained in the application and is worth changed timing node, and same day account declaration form value change value corresponding with each timing node reduces the calling frequency to account value interface, and balance system resource improves efficiency of settling interests.
Description
Technical field
Technical field is settled interests this application involves insurance more particularly to a kind of insurance is settled interests method, terminal and the calculating of processing
Machine readable storage medium storing program for executing.
Background technology
Currently, insurance premium is settled interests period in period of settling interests, such as universal life insurance（Such as per the end of month）It will frequently be adjusted on the same day
It is settled interests daily account value in the period with account value interface with obtaining current period universal life insurance, such as the same day at the end of month will be disposable
It calls 28 times, 29 times, 30 times or 31 secondary accounts to be worth interface repeatedly, is settled interests daily account valence in the period with obtaining current period universal life insurance
Value.It is superimposed by daily account value, then except the number of days during the above clearing obtains average balance；It is taken because calling repeatedly
Account value interface settles accounts the daily account value in section to obtain, and causing to settle interests, it is slower to operate.
Therefore, the existing technology needs to be improved and developed.
Invention content
Place in view of above-mentioned deficiencies of the prior art, the application's is designed to provide a kind of side for insuring processing of settling interests
Method, terminal and computer readable storage medium, it is intended to solve frequently to adjust on the expiry date for interest same day during settling interests in the prior art
With account value interface, is settled interests daily account value in the period with obtaining current period universal life insurance, cause to tie because the odd-numbered day frequently calls
Breath operates slower problem.
In order to achieve the above object, the application takes following technical scheme：
A method of insuring processing of settling interests, wherein including：
Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair
The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；
It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node
Family declaration form value change value；
It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form
Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this
Extended insurance interest.
The insurance is settled interests the method for processing, wherein the account value interface for calling insurance kind connects from account value
Mouth obtains user's underwriting account, and the primary account remaining sum in corresponding with user's underwriting account settle interests section and section of settling interests, packet
It includes：
Pass through the account value interface of http interface requests agreement and interface requests parameter call insurance kind；Wherein, interface requests are joined
Number includes at least user's underwriting account, the current period settles interests section and primary account remaining sum；
Receive user's underwriting account for being fed back by json data formats by account value interface, the current period settles interests section and initial
Account balance.
The insurance is settled interests the method for processing, wherein acquisition current period declaration form value in section of settling interests changes
Timing node, and same day account declaration form value change value corresponding with each timing node, including：
It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains
Current period declaration form in section of settling interests is taken to be worth changed timing node；
Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；
If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section
Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；
Obtain corresponding with first time node the first account declaration form value change value, acquisition corresponding with the second timing node the
Two account declaration form value change values, until getting N accounts declaration form value change value corresponding with N timing nodes；
It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, when according to second
The interval acquiring second of intermediate node and first time node is spaced number of days, until being settled interests the Close Date and the in section according to the current period
The intervals the interval acquiring N+1 number of days of N timing nodes.
The insurance is settled interests the method for processing, wherein and it is described that changed timing node is worth according to declaration form, and with
The corresponding same day account declaration form value change value of each timing node, obtains accumulation account value change remaining sum, according to accumulation account
Family value change remaining sum and primary account remaining sum, which calculate, obtains this extended insurance interest, including：
It is worth changed timing node and same day account declaration form value change corresponding with each timing node according to declaration form
Value calculates accumulation account value change remaining sum, is obtained by settle interests total number of days in section of accumulation account value change remaining sum divided by current period
Take the average variation amount of money；
It sums primary account remaining sum and the mean variation amount of money to obtain Setting rate total value, being multiplied by interest rate by Setting rate total value obtains
It settles interests this extended insurance interest corresponding to section to the current period.
The insurance is settled interests the method for processing, wherein it is described according to declaration form be worth changed timing node and with
The corresponding same day account declaration form value change value of each timing node, calculates accumulation account value change remaining sum, by accumulation account
Value change remaining sum divided by current period settle interests section total number of days obtain the mean variation amount of money in, according to
To calculate accumulation account value change remaining sum.
The insurance is settled interests the method for processing, wherein if the current period settles interests, declaration form value is changed in section
Timing node is more than 0, then timing node is denoted as to first time node respectively to N successively according to the sequencing of timing node
After timing node, further include：
Judge timing node number whether be more than it is pre-set enliven client trading number, the declaration form in section if the current period settles interests
It is worth changed timing node number and enlivens client trading number more than described, corresponding increase will live in user's underwriting account
Jump client's label.
The insurance is settled interests the method for processing, wherein and it is described that changed timing node is worth according to declaration form, and with
The corresponding same day account declaration form value change value of each timing node, obtains accumulation account value change remaining sum, according to accumulation account
After family value change remaining sum and primary account remaining sum calculate acquisition this extended insurance interest, further include：
Whether the duration for judging to enliven client's label in user's underwriting account is more than and pre-set enliven client and continue day
Number will be protected the current period if the duration for enlivening client's label in user's underwriting account enlivens client's continuous days more than described
Dangerous interest is multiplied by pre-set reward interest rate and increases to user's underwriting account as bonus.
A kind of insurance is settled interests the terminal of processing, wherein the insurance settle interests processing terminal include processor, memory and
Communication bus；
The communication bus is for realizing the connection communication between processor and memory；
The processor is used to execute the insurance stored in memory and settles interests the program of processing, to realize following step：
Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair
The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；
It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node
Family declaration form value change value；
It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form
Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this
Extended insurance interest.
The insurance is settled interests the terminal of processing, wherein the acquisitions current period settle interests declaration form in section be worth it is changed
Timing node, and same day account declaration form value change value corresponding with each timing node, including：
It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains
Current period declaration form in section of settling interests is taken to be worth changed timing node；
Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；
If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section
Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；
Obtain corresponding with first time node the first account declaration form value change value, acquisition corresponding with the second timing node the
Two account declaration form value change values, until getting N accounts declaration form value change value corresponding with N timing nodes；
It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, until according to this
Phase settles interests the Close Date in section and the intervals the interval acquiring N+1 number of days of N timing nodes.
A kind of computer readable storage medium, wherein there are one the computer-readable recording medium storages or multiple
Program, one or more of programs can be executed by one or more processor, to realize that the insurance is settled interests processing
The step of method.
Method, terminal and the computer readable storage medium provided by the present application for insuring processing of settling interests, calls the account of insurance kind
Family is worth interface, and from account value interface captures user underwriting account, and the current period corresponding with user's underwriting account settles interests section
And the current period settles interests the primary account remaining sum in section；It obtains current period declaration form in section of settling interests and is worth changed timing node, and
Same day account declaration form value change value corresponding with each timing node；It is worth changed timing node according to declaration form, and
Same day account declaration form value change value corresponding with each timing node obtains accumulation account value change remaining sum, according to accumulation
Account value changes remaining sum and primary account remaining sum calculates and obtains this extended insurance interest.During settle interests it is to obtain in the application
Current period declaration form in section of settling interests is worth changed timing node, and same day account declaration form valence corresponding with each timing node
It is worth change value, the calling frequency to account value interface can be reduced in this way, system resource is balanced, improve efficiency of settling interests.
Description of the drawings
Fig. 1 is the flow chart of the method preferred embodiment described herein for insuring processing of settling interests；
Fig. 2 is the flow chart of step S100 in the method specific embodiment described herein for insuring processing of settling interests；
Fig. 3 is the flow chart of step S200 in the method specific embodiment described herein for insuring processing of settling interests；
Fig. 4 is the flow chart of step S300 in the method specific embodiment described herein for insuring processing of settling interests；
Fig. 5 is the running environment schematic diagram of the program preferred embodiment described herein for insuring processing of settling interests；
Fig. 6 is the functional block diagram of the program preferred embodiment described herein for insuring processing of settling interests.
Specific implementation mode
The application provides a kind of method, terminal and computer readable storage medium insuring processing of settling interests, to make the application
Purpose, technical solution and effect it is clearer, clear, the embodiment that develops simultaneously referring to the drawings to the application further specifically
It is bright.It should be appreciated that specific embodiment described herein is not used to limit the application only to explain the application.
Referring to Fig. 1, being the flow chart of the method preferred embodiment described herein for insuring processing of settling interests.Such as Fig. 1 institutes
Show, the method for insuring processing of settling interests includes the following steps：
Step S100, the account value interface for calling insurance kind is protected from account value interface captures user underwriting account, and with user
The dangerous account corresponding current period settles interests section and the current period settles interests the primary account remaining sum in section.
In the present embodiment, if present system time is when settling interests the time current period, to call the account value interface of insurance kind.This
When be first calling account value interface, initial acquisition user's underwriting account, and the current period corresponding with user's underwriting account knot
Breath section and current period settle interests the primary account remaining sum in section.Complete the current period settle interests the time initial value obtain after, you can with this
Based on calculate this extended insurance interest.Wherein, any one insurance that insurance kind can be provided by insurance company, it is such as omnipotent
Danger, life insurance, production danger etc..
Step S200, obtain current period declaration form in section of settling interests and be worth changed timing node, and with it is each when segmentum intercalaris
The corresponding same day account declaration form value change value of point.
In the present embodiment, settle interests daily account balance in section without frequently calling account value interface to obtain the current period, and
It is first to obtain current period declaration form in section of settling interests to be worth changed timing node, is corresponded to time according to several limited timing nodes
Number carrys out the calling account value interface of limited number of time.Only have 2 declaration form values in section for example, the current period settles interests to change, then only
Same day account declaration form value change corresponding with above-mentioned 2 timing nodes need to be obtained by calling account value interface twice
Value, greatly reduces the calling frequency to account value interface, balances system resource.
Step S300, changed timing node, and same day account corresponding with each timing node are worth according to declaration form
Family declaration form value change value obtains accumulation account value change remaining sum, according to accumulation account value change remaining sum and primary account
Remaining sum, which calculates, obtains this extended insurance interest.
In the present embodiment, it is worth changed timing node when obtaining declaration form, and corresponding with each timing node
Same day account declaration form value change value, you can the calculating process of this extended insurance interest is divided into segmentation and is calculated, is calculated per for the moment
Between after the corresponding accumulation account value change remaining sum of section, can accurate calculation this extended insurance interest, simplify calculating process, improve
Efficiency of settling interests.
In one embodiment, as shown in Fig. 2, in the step S100, including：
Step S101, pass through the account value interface of http interface requests agreement and interface requests parameter call insurance kind；Wherein, it connects
Mouth required parameter includes at least user's underwriting account, the current period settles interests section and primary account remaining sum；
Step S102, the user's underwriting account fed back by json data formats by account value interface is received, the current period settles interests
Section and primary account remaining sum.
In the present embodiment, the account value interface of insurance kind is called by http modes.For example,
The interface of user's underwriting account correspondence database is：http://192.168.0.1/service/sendsms；
Request method：post；
Required parameter：User's underwriting account, current period are settled interests section and primary account remaining sum；
The content format of parameter：Json formats.
The account value interface of insurance kind, the request ginseng of energy quick obtaining json data formats are called by http modes
Number.
In one embodiment, as shown in figure 3, in the step S200, including：
Step S201, the time increased or reduced relative to primary account remaining sum is worth according to current period declaration form in section of settling interests
Point, traversal obtain current period declaration form in section of settling interests and are worth changed timing node；
Step S202, judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；
If step S203, current period declaration form in section of settling interests is worth changed timing node and is more than 0, according to timing node
Timing node is denoted as first time node to N timing nodes by sequencing respectively successively；Wherein, N is positive integer；
Step S204, acquisition the first account declaration form value change value corresponding with first time node obtains and segmentum intercalaris when second
The corresponding second account declaration form value change value of point becomes until getting N account declaration forms value corresponding with N timing nodes
Dynamic value；
Step S205, number of days is spaced according to the settle interests interval acquiring first of from date in section of first time node and current period,
Until the intervals the interval acquiring N+1 number of days of the Close Date and N timing nodes in section of being settled interests according to the current period.
Wherein, if the current period settles interests, declaration form is worth changed timing node equal to or less than 0 in section, then it represents that the current period
The user in section that settles interests does not pay premium newly, primary account remaining sum is directly multiplied by interest rate obtains the current period and settle interests corresponding to section this
Extended insurance interest.
In the present embodiment, judge that the settle interests declaration form in section of current period universal life insurance is worth the number of changed timing node and is
It is no to be more than 0, when the settle interests declaration form in section of current period universal life insurance is worth the number of changed timing node and is more than 0, then obtain this
The settle interests declaration form in section of phase universal life insurance is worth changed timing node number N（N≥1）, suitable according to the priority of timing node
Sequence timing node is denoted as respectively successively first time node ..., N timing nodes；Work as first time node is corresponding
Day account declaration form value change value is denoted as the first account declaration form value change value, and the corresponding same day account of the second timing node is protected
Monovalent value change value is denoted as the second account declaration form value change value；……；By the corresponding same day account declaration form valence of N timing nodes
Value change value is denoted as N account declaration form value change values；
It is spaced number of days further according to the interval acquiring first of first time node and from date, according to the second timing node and first
The interval acquiring second of timing node is spaced number of days ... ..., according to the interval according to N timing node and N-1 timing nodes
The intervals N number of days is obtained, according to the intervals the interval acquiring N+1 number of days according to Close Date and N timing nodes；
For example, current period universal life insurance is settled interests, section is 2017.7.1-2017.7.31, and segmentum intercalaris when declaration form is worth changed occurs
Point be the morning 10 2017.7.5 when, when afternoon 3 2017.7.14 and when the morning 11 2017.7.25, then with the 2017.7.5 mornings 10
When corresponding first same day account declaration form value change value be 1000 yuan, corresponding second same day account when with afternoon 3 2017.7.14
Family declaration form value change value is 1500 yuan, corresponding third same day account declaration form value change value when with the morning 11 2017.7.25
It is 2500 yuan；Then the first interval number of days is 4 days, the second interval number of days is 9 days, third interval number of days be between 11 days, the 4th every other day
Number is 7 days.This extended insurance interest is calculated by way of above-mentioned interval division, is greatly reduced to account value interface
The frequency is called, system resource is balanced.
In one embodiment, as shown in figure 4, in the step S300, including：
Step S301, changed timing node is worth according to declaration form and same day account corresponding with each timing node is protected
Unit price value change value, calculates accumulation account value change remaining sum, is settled interests section by accumulation account value change remaining sum divided by current period
Total number of days obtain the mean variation amount of money；
Step S302, it sums primary account remaining sum and the mean variation amount of money to obtain Setting rate total value, by Setting rate total value
It is multiplied by interest rate and obtains the current period and settle interests this extended insurance interest corresponding to section.
In the present embodiment, number of days * 0+ second are spaced according to accumulation account value change remaining sum=first and are spaced number of days * first
Account declaration form value change value+third interval number of days * the second account declaration form value changes value+... the+the intervals N+1 number of days * N
Account declaration form value change value calculates accumulation account value change remaining sum；Later according to accumulation account value change remaining sum/sheet
The mean variation amount of money is calculated in settle interests total number of days in section of phase universal life insurance；
For example, current period universal life insurance is settled interests, section is 2017.7.1-2017.7.31, with when the morning 10 2017.7.5 corresponding first
Same day account declaration form value change value is 1000 yuan, and corresponding second same day account declaration form value becomes when with afternoon 3 2017.7.14
Dynamic value is 1500 yuan, and corresponding third same day account declaration form value change value is 2500 yuan when with the morning 11 2017.7.255, then
Accumulation account value change remaining sum=4*0+9*1000+11*1500+7*2500=43000, the mean variation amount of money=accumulation account valence
Value changes remaining sum/current period universal life insurance and settles interests total number of days=43000/31=1387.1 in section.By primary account remaining sum plus average
The amount of money is changed, this extended insurance interest is obtained multiplied by with interest rate.
In one embodiment, after the step S300, further include：
Step S310, judge timing node number whether be more than it is pre-set enliven client trading number, if the current period settles interests
Declaration form is worth changed timing node number and enlivens client trading number more than described in section, will be in user's underwriting account
Corresponding increase enlivens client's label.
For example, it is 28 that setting, which enlivens client trading number, client trading is enlivened when judging that the number of timing node is more than
Number（At i.e. 28 times）, then corresponding increase in user's universal life insurance account is enlivened into client's label.It can be straight by enlivening client's label
The expression of the sight user is the user for more frequently paying premium, can be classified as top-tier customer.
In one embodiment, after the step S300, further include：
Step S320, judge whether the duration that client's label is enlivened in user's underwriting account is more than pre-set active visitor
Family continuous days, if enlivened in user's underwriting account client's label duration be more than it is described enliven client's continuous days,
This extended insurance interest is multiplied by pre-set reward interest rate and increases to user's underwriting account as bonus.
It is set as 365 days for example, client's continuous days will be enlivened, when judging to enliven client's label in user's underwriting account
Duration enlivens client's continuous days more than pre-set（At i.e. 365 days）, then this extended insurance interest is multiplied by and is set in advance
The reward interest rate set increases to user's underwriting account as bonus.Namely indicate that user's a year and a day is all high-quality user, this
When this extended insurance interest can be multiplied by pre-set reward interest rate increase to user's underwriting account as bonus.
It is settled interests based on above-mentioned insurance the method for processing, a kind of equipment for processing of settling interests present invention also provides insurance.Such as Fig. 5
Shown, the equipment for insuring processing of settling interests includes processor 11, memory 12 and communication bus；
The communication bus is for realizing the connection communication between processor and memory；
The processor is used to execute the insurance stored in memory and settles interests the program 10 of processing, to realize following steps：
Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair
The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；
It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node
Family declaration form value change value；
It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form
Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this
Extended insurance interest.
In the present embodiment, the insurance settle interests processing program 10 install and run on electronic equipment（That is insurance knot
Cease the terminal 1 of processing）In.The electronic equipment can be the calculating such as desktop PC, notebook, palm PC and server
Equipment.The electronic equipment may include, but be not limited only to, memory 11, processor 12 and display 13.Fig. 5, which is illustrated only, to be had
The electronic equipment of component 11-13, it should be understood that being not required for implementing all components shown, the implementation that can be substituted
More or less component.
The memory 11 can be the internal storage unit of the electronic equipment, such as the electronics in some embodiments
The hard disk or memory of equipment.The memory 11 can also be that the external storage of the electronic equipment is set in further embodiments
Plug-in type hard disk that is standby, such as being equipped on the electronic equipment, intelligent memory card（Smart Media Card, SMC）, safety
Number（Secure Digital, SD）Card, flash card（Flash Card）Deng.Further, the memory 11 can also be both
Internal storage unit including the electronic equipment also includes External memory equipment.The memory 11 is installed on institute for storing
State the application software and Various types of data of electronic equipment, such as the program code etc. of the program 10 for insuring processing of settling interests.It is described
Memory 11 can be also used for temporarily storing the data that has exported or will export.
The processor 12 can be a central processing unit in some embodiments（Central Processing Unit,
CPU）, microprocessor or other data processing chips, for running the program code stored in the memory 11 or processing number
According to, such as execute the program 10 etc. for insuring processing of settling interests.
The display 13 can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display in some embodiments
And OLED（Organic Light-Emitting Diode, Organic Light Emitting Diode）Touch device etc..The display 13 is used
In being shown in the information handled in the electronic equipment and for showing visual user interface, such as application menu circle
Face, application icon interface etc..The component 11-13 of the electronic equipment is in communication with each other by system bus.
Referring to Fig. 6, being the functional block diagram for 10 preferred embodiment of program that the application insures processing of settling interests.In this implementation
In example, the settle interests program 10 of processing of the insurance can be divided into one or more modules, one or more
A module is stored in the memory 11, and by one or more processors（The present embodiment is the processor 12）It is held
Row, to complete the application.For example, in figure 6, the settle interests program 10 of processing of the insurance can be divided into interface and call mould
Block 21, node change value acquisition module 22 and module 23 of settling interests.The so-called module of the application refers to complete specific function
Series of computation machine program instruction section is set more suitable for describing the program 10 for insuring processing of settling interests in the electronics than program
Implementation procedure in standby.The function of the module 21-23 will specifically be introduced by being described below.
Interface calling module 21, the account value interface for calling insurance kind insure from account value interface captures user
Account, and the current period corresponding with user's underwriting account settles interests section and the current period settles interests the primary account remaining sum in section；
Node change value acquisition module 22 is worth changed timing node for obtaining current period declaration form in section of settling interests, and
Same day account declaration form value change value corresponding with each timing node；
Module of settling interests 23, for being worth changed timing node, and the same day corresponding with each timing node according to declaration form
Account declaration form value change value obtains accumulation account value change remaining sum, according to accumulation account value change remaining sum and initial account
Family remaining sum, which calculates, obtains this extended insurance interest.
In one embodiment, in the terminal insured and settle interests processing, the account value interface for calling insurance kind,
From account value interface captures user underwriting account, and corresponding with user's underwriting account settle interests section and section of settling interests is initial
Account balance, including：
Pass through the account value interface of http interface requests agreement and interface requests parameter call insurance kind；Wherein, interface requests are joined
Number includes at least user's underwriting account, the current period settles interests section and primary account remaining sum；
Receive user's underwriting account for being fed back by json data formats by account value interface, the current period settles interests section and initial
Account balance；Specific implementation please refers to embodiment of the method, and details are not described herein again.
In one embodiment, in the terminal insured and settle interests processing, obtaining the current period settles interests declaration form value in section
Changed timing node, and same day account declaration form value change value corresponding with each timing node, including：
It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains
Current period declaration form in section of settling interests is taken to be worth changed timing node；
Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；
If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section
Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；
The first account declaration form value change value corresponding with first time node is obtained, until getting and N timing nodes pair
The N account declaration form value change values answered；
It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, until according to this
Phase settles interests the Close Date in section and the intervals the interval acquiring N+1 number of days of N timing nodes；Specific implementation please refers to method reality
Example is applied, details are not described herein again.
In one embodiment, described changed according to declaration form value in the terminal insured and settle interests processing
Timing node, and same day account declaration form value change value corresponding with each timing node obtain more than accumulation account value change
Volume calculates according to accumulation account value change remaining sum and primary account remaining sum and obtains this extended insurance interest, including：
It is worth changed timing node and same day account declaration form value change corresponding with each timing node according to declaration form
Value calculates accumulation account value change remaining sum, is obtained by settle interests total number of days in section of accumulation account value change remaining sum divided by current period
Take the average variation amount of money；
It sums primary account remaining sum and the mean variation amount of money to obtain Setting rate total value, being multiplied by interest rate by Setting rate total value obtains
It settles interests this extended insurance interest corresponding to section to the current period；Specific implementation please refers to embodiment of the method, and details are not described herein again.
In one embodiment, described changed according to declaration form value in the terminal insured and settle interests processing
Timing node and same day account declaration form value change value corresponding with each timing node calculate more than accumulation account value change
Volume, by accumulation account value change remaining sum divided by current period settle interests section total number of days obtain the mean variation amount of money in, according to
To calculate accumulation account value change remaining sum；Specific implementation please refers to embodiment of the method, and details are not described herein again.
In one embodiment, in the terminal insured and settle interests processing, the declaration form valence in section if the current period settles interests
It is worth changed timing node and is more than 0, then timing node is denoted as first respectively successively according to the sequencing of timing node
After timing node to N timing nodes, further include：
Judge timing node number whether be more than it is pre-set enliven client trading number, the declaration form in section if the current period settles interests
It is worth changed timing node number and enlivens client trading number more than described, corresponding increase will live in user's underwriting account
Jump client's label；Specific implementation please refers to embodiment of the method, and details are not described herein again.
In one embodiment, described changed according to declaration form value in the terminal insured and settle interests processing
Timing node, and same day account declaration form value change value corresponding with each timing node obtain more than accumulation account value change
Volume calculates after obtaining this extended insurance interest according to accumulation account value change remaining sum and primary account remaining sum, further includes：
Whether the duration for judging to enliven client's label in user's underwriting account is more than and pre-set enliven client and continue day
Number will be protected the current period if the duration for enlivening client's label in user's underwriting account enlivens client's continuous days more than described
Dangerous interest is multiplied by pre-set reward interest rate and increases to user's underwriting account as bonus；Specific implementation please refers to method reality
Example is applied, details are not described herein again.
It is settled interests based on above-mentioned insurance the method for processing, present invention also provides a kind of computer readable storage mediums.It is described
There are one computer-readable recording medium storages or multiple programs, one or more of programs can be by one or more
Processor executes, with realize the insurance settle interests processing method the step of, specifically include following step：
Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair
The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；
It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node
Family declaration form value change value；
It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form
Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this
Extended insurance interest.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
It realizes the account value interface for calling insurance kind, insures account from account value interface captures user underwriting account, and with user
The primary account remaining sum in family corresponding settle interests section and section of settling interests, including：
Pass through the account value interface of http interface requests agreement and interface requests parameter call insurance kind；Wherein, interface requests are joined
Number includes at least user's underwriting account, the current period settles interests section and primary account remaining sum；
Receive user's underwriting account for being fed back by json data formats by account value interface, the current period settles interests section and initial
Account balance.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
It realizes that acquisition current period declaration form in section of settling interests is worth changed timing node, and corresponding with each timing node works as
Day account declaration form value change value, including：
It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains
Current period declaration form in section of settling interests is taken to be worth changed timing node；
Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；
If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section
Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；
The first account declaration form value change value corresponding with first time node is obtained, until getting and N timing nodes pair
The N account declaration form value change values answered；
It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, until according to this
Phase settles interests the Close Date in section and the intervals the interval acquiring N+1 number of days of N timing nodes.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
It realizes described according to the changed timing node of declaration form value, and same day account declaration form corresponding with each timing node value
Change value obtains accumulation account value change remaining sum, is obtained according to accumulation account value change remaining sum and the calculating of primary account remaining sum
This extended insurance interest is taken, including：
It is worth changed timing node and same day account declaration form value change corresponding with each timing node according to declaration form
Value calculates accumulation account value change remaining sum, is obtained by settle interests total number of days in section of accumulation account value change remaining sum divided by current period
Take the average variation amount of money；
It sums primary account remaining sum and the mean variation amount of money to obtain Setting rate total value, being multiplied by interest rate by Setting rate total value obtains
It settles interests this extended insurance interest corresponding to section to the current period.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
It realizes and described changed timing node and same day account declaration form corresponding with each timing node are worth according to declaration form are worth
Change value calculates accumulation account value change remaining sum, total day in section of being settled interests by accumulation account value change remaining sum divided by current period
Number obtains in the mean variation amount of money, according to
To calculate accumulation account value change remaining sum.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
If the current period described in realizing settles interests, declaration form is worth changed timing node more than 0, according to the priority of timing node in section
After timing node is denoted as first time node to N timing nodes by sequence respectively successively, further include：
Judge timing node number whether be more than it is pre-set enliven client trading number, the declaration form in section if the current period settles interests
It is worth changed timing node number and enlivens client trading number more than described, corresponding increase will live in user's underwriting account
Jump client's label.
In one embodiment, the insurance that computer stores in executing the storage medium is settled interests the program of processing, with
It realizes described according to the changed timing node of declaration form value, and same day account declaration form corresponding with each timing node value
Change value obtains accumulation account value change remaining sum, is obtained according to accumulation account value change remaining sum and the calculating of primary account remaining sum
After taking this extended insurance interest, further include：
Whether the duration for judging to enliven client's label in user's underwriting account is more than and pre-set enliven client and continue day
Number will be protected the current period if the duration for enlivening client's label in user's underwriting account enlivens client's continuous days more than described
Dangerous interest is multiplied by pre-set reward interest rate and increases to user's underwriting account as bonus.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, aforementioned computer program can be stored in a non-volatile computer can
It reads in storage medium, the computer program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, preceding
It can be magnetic disc, CD, read-only memory to state computer read/write memory medium（Read-Only Memory, ROM）Etc. non-
Volatile storage medium.
Method, terminal and the computer readable storage medium of processing in conclusion insurance provided by the present application is settled interests, are called
The account value interface of insurance kind, from account value interface captures user underwriting account, and current period corresponding with user's underwriting account
It settles interests section and the current period settles interests the primary account remaining sum in section；It obtains current period declaration form in section of settling interests and is worth the changed time
Node, and same day account declaration form value change value corresponding with each timing node；It is worth the changed time according to declaration form
Node, and same day account declaration form value change value corresponding with each timing node obtain accumulation account value change remaining sum, root
It is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this extended insurance interest.The acquisition current period settles interests in the application
The changed timing node of declaration form value in section, same day account declaration form value change value corresponding with each timing node,
The calling frequency to account value interface is reduced, balance system resource improves efficiency of settling interests.
It is understood that for those of ordinary skills, it can be according to the technical solution of the application and this Shen
It please conceive and be subject to equivalent substitution or change, and all these changes or replacement should all belong to the guarantor of the application the attached claims
Protect range.
Claims (10)
- A kind of method of processing 1. insurance is settled interests, which is characterized in that including：Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node Family declaration form value change value；It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this Extended insurance interest.
- The method of processing 2. insurance according to claim 1 is settled interests, which is characterized in that the account value for calling insurance kind Interface, from account value interface captures user underwriting account, and section and the section of settling interests of settling interests corresponding with user's underwriting account Primary account remaining sum, including：Pass through the account value interface of http interface requests agreement and interface requests parameter call insurance kind；Wherein, interface requests are joined Number includes at least user's underwriting account, the current period settles interests section and primary account remaining sum；Receive user's underwriting account for being fed back by json data formats by account value interface, the current period settles interests section and initial Account balance.
- The method of processing 3. insurance according to claim 1 is settled interests, which is characterized in that the acquisition current period settles interests in section Declaration form is worth changed timing node, and same day account declaration form value change value corresponding with each timing node, including：It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains Current period declaration form in section of settling interests is taken to be worth changed timing node；Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；The first account declaration form value change value corresponding with first time node is obtained, until getting and N timing nodes pair The N account declaration form value change values answered；It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, until according to this Phase settles interests the Close Date in section and the intervals the interval acquiring N+1 number of days of N timing nodes.
- The method of processing 4. insurance according to claim 3 is settled interests, which is characterized in that described to be become according to declaration form value The timing node of change, and same day account declaration form value change value corresponding with each timing node obtain accumulation account value and become Dynamic remaining sum calculates according to accumulation account value change remaining sum and primary account remaining sum and obtains this extended insurance interest, including：It is worth changed timing node and same day account declaration form value change corresponding with each timing node according to declaration form Value calculates accumulation account value change remaining sum, is obtained by settle interests total number of days in section of accumulation account value change remaining sum divided by current period Take the average variation amount of money；It sums primary account remaining sum and the mean variation amount of money to obtain Setting rate total value, being multiplied by interest rate by Setting rate total value obtains It settles interests this extended insurance interest corresponding to section to the current period.
- The method of processing 5. insurance according to claim 4 is settled interests, which is characterized in that described to be become according to declaration form value The timing node of change and same day account declaration form value change value corresponding with each timing node calculate accumulation account value and become Remaining sum is moved, in total number of days acquisition mean variation amount of money in section of being settled interests by accumulation account value change remaining sum divided by current period, according toTo calculate accumulation account value change remaining sum.
- The method of processing 6. insurance according to claim 3 is settled interests, which is characterized in that protected in section if the current period settles interests Unit price is worth changed timing node and is more than 0, then is successively denoted as timing node respectively according to the sequencing of timing node After first time node to N timing nodes, further include：Judge timing node number whether be more than it is pre-set enliven client trading number, the declaration form in section if the current period settles interests It is worth changed timing node number and enlivens client trading number more than described, corresponding increase will live in user's underwriting account Jump client's label.
- The method of processing 7. insurance according to claim 6 is settled interests, which is characterized in that described to be become according to declaration form value The timing node of change, and same day account declaration form value change value corresponding with each timing node obtain accumulation account value and become Dynamic remaining sum calculates after obtaining this extended insurance interest according to accumulation account value change remaining sum and primary account remaining sum, further includes：Whether the duration for judging to enliven client's label in user's underwriting account is more than and pre-set enliven client and continue day Number will be protected the current period if the duration for enlivening client's label in user's underwriting account enlivens client's continuous days more than described Dangerous interest is multiplied by pre-set reward interest rate and increases to user's underwriting account as bonus.
- The terminal of processing 8. a kind of insurance is settled interests, which is characterized in that the terminal for insuring processing of settling interests includes processor, storage Device and communication bus；The communication bus is for realizing the connection communication between processor and memory；The processor is used to execute the insurance stored in memory and settles interests the program of processing, to realize following step：Call insurance kind account value interface, from account value interface captures user underwriting account, and with user's underwriting account pair The current period answered settles interests section and the current period settles interests the primary account remaining sum in section；It obtains current period declaration form in section of settling interests and is worth changed timing node, and same day account corresponding with each timing node Family declaration form value change value；It is worth changed timing node, and same day account declaration form value change corresponding with each timing node according to declaration form Value obtains accumulation account value change remaining sum, is calculated according to accumulation account value change remaining sum and primary account remaining sum and obtains this Extended insurance interest.
- 9. insurance according to claim 8 is settled interests the terminal of processing, which is characterized in that the acquisitions current period settles interests guarantor in section Unit price is worth changed timing node, and same day account declaration form value change value corresponding with each timing node, including：It is worth the time point increased or reduced relative to primary account remaining sum according to current period declaration form in section of settling interests, traversal obtains Current period declaration form in section of settling interests is taken to be worth changed timing node；Judge that current period declaration form in section of settling interests is worth whether changed timing node is more than 0；If the current period settles interests, declaration form is worth changed timing node more than 0, according to the sequencing of timing node in section Timing node is denoted as to first time node respectively successively to N timing nodes；Wherein, N is positive integer；Obtain corresponding with first time node the first account declaration form value change value, acquisition corresponding with the second timing node the Two account declaration form value change values, until getting N accounts declaration form value change value corresponding with N timing nodes；It is spaced number of days according to the settle interests interval acquiring first of the from date in section of first time node and current period, until according to the The intervals the interval acquiring N number of days of N timing nodes and N-1 timing nodes is settled interests Close Date and the N in section according to the current period The intervals the interval acquiring N+1 number of days of timing node.
- 10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage there are one or Multiple programs, one or more of programs can be executed by one or more processor, to realize that claim 1-7 such as appoints The step of one method for insuring processing of settling interests.
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Application publication date: 20180720 |