CN109255717A - A kind of fund divides account method and device - Google Patents

A kind of fund divides account method and device Download PDF

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Publication number
CN109255717A
CN109255717A CN201811069171.4A CN201811069171A CN109255717A CN 109255717 A CN109255717 A CN 109255717A CN 201811069171 A CN201811069171 A CN 201811069171A CN 109255717 A CN109255717 A CN 109255717A
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Prior art keywords
refund
investor
capital
issue
income
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苑恒润
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Da Fei Yun Loan Technology (beijing) Co Ltd
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Da Fei Yun Loan Technology (beijing) Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

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  • Entrepreneurship & Innovation (AREA)
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Abstract

The invention discloses a kind of funds to divide account method and device, wherein this method comprises: obtaining the investment amount information of investor and the refund data information of refund people;According to the investment amount information and the refund data information, a point account is carried out to capital and is handled, obtaining each phase refunds the deserved capital of corresponding investor;According to the investment amount information and the refund data information, a point account is carried out to income and is handled, obtaining each phase refunds the current yield of corresponding investor.Each phase refund can be corresponded to through the invention and calculates to obtain divides account book gold and income, and then can receive refund before the front verification point account amount of money, the prospective earnings before investor's income meets can be guaranteed by the combination allocation processing to capital and income simultaneously, and then the revenue amount of guarantee investor is accurate.

Description

A kind of fund divides account method and device
Technical field
The present invention relates to financial technology fields, divide account method and device more particularly to a kind of fund.
Background technique
In financial system, it will usually borrow or lend money the capital fund of investor to borrower in the form borrowed or lent money, wait borrow money After people refunds, point account can be carried out to guarantee its income to investor according to income.Traditional point account method is with going back after loaning bill Money is that node carries out point account.
But existing this point of account method has the following problems:
A point account is carried out with the final refund node of borrower and to summarize that data volume is larger, and only total refund data So that the data of installment reimbursement are opaque to will lead to data check heavy workload, it be easy to cause point account efficiency lower and can not mentions It is preceding that receivable capital and income are allocated;And existing capital and income calculation are complicated, can make final point account result Inaccuracy.
It can be seen that existing point of account method, which is unable to ensure, carries out front verification to point account amount of money, and throwing is not can guarantee The revenue amount for providing people is accurate.
Summary of the invention
It is directed to the above problem, the present invention provides a kind of vacant lot channel modeling method and device, realizes to a point account amount of money It carries out front verification and guarantees the accurate purpose of revenue amount of investor.
To achieve the goals above, the present invention provides the following technical scheme that
A kind of fund divides account method, comprising:
Obtain the investment amount information of investor and the refund data information of refund people;
According to the investment amount information and the refund data information, a point account is carried out to capital and is handled, each phase is obtained It refunds the deserved capital of corresponding investor;
According to the investment amount information and the refund data information, a point account is carried out to income and is handled, each phase is obtained It refunds the current yield of corresponding investor.
Optionally, further includes:
According to the refund data information, the current refund interest of the refund people is determined;
The difference for calculating the current refund interest and the current yield of investor, is denoted as investment platform for the difference and works as Phase income.
Optionally, according to the investment amount information and the refund data information, a point account is carried out to capital and is handled, obtained Each phase refunds the deserved capital of corresponding investor, comprising:
According to the refund data information, refund issue is determined;
First point of account processing is carried out to except the capital in the refund issue of Final Issue, obtains the corresponding throwing of each phase refund Provide the deserved capital of people;
Second point of account processing is carried out to the capital in the refund issue of Final Issue, obtains the corresponding throwing of Final Issue refund Provide the deserved capital of people.
Optionally, it is handled except the capital in the refund issue of Final Issue carries out first point of account for described pair, obtains each phase It refunds the corresponding deserved capital of investor, comprising:
According to the investment amount information, the investment amount of each investor is obtained;
The investor is ranked up according to the investment amount size, determines the first investor, wherein described first Invest the most investor of artificial investment amount;
To the second investor in addition to the first investor acquire the second investor investment amount, according to described Refund data information determines total borrowing balance and current repayment amount, and according to the investment amount and total borrowing balance and The current repayment amount, which calculates, obtains the current deserved capital of the second investor;
The difference for calculating current repayment amount Yu the current deserved capital of second investor, is denoted as first for the difference The current deserved capital of investor.
Optionally, the capital in the refund issue to Final Issue carries out second point of account processing, obtains Final Issue It refunds the corresponding deserved capital of investor, comprising:
Calculate the sum of the deserved capital of the corresponding investor of all repayment periods in addition to Final Issue refund issue;
The difference that the investor invests the sum of total amount and described deserved capital is calculated, the difference is denoted as the throwing Provide the deserved capital of people's Final Issue.
It is optionally, described that a point account is carried out to income and is handled according to the investment amount information and the refund data information, Obtaining each phase refunds the current yield of corresponding investor, comprising:
According to the refund data information, refund issue is determined;
It handles except the income in the refund issue of Final Issue carries out third point account, obtains the corresponding throwing of each phase refund Provide the current yield of people;
4th point of account processing is carried out to the income in the refund issue of Final Issue, obtains the corresponding throwing of Final Issue refund Provide people's income.
Optionally, it is handled except the income in the refund issue of Final Issue carries out third point account for described pair, obtains each phase It refunds the current yield of corresponding investor, comprising:
According to the investment amount information, determine that investment amount, financing income Annual Percentage Rate and the loaning bill of each investor is total Issue;
According to the investment amount, the financing income Annual Percentage Rate and total issue of borrowing money, calculates and obtain the investment People's accrued revenues;
According to the refund data information, current refund interest is obtained, and is obtained according to investor's accrued revenues calculating Obtain investor's current yield.
Optionally, the income in the refund issue to Final Issue carries out the 4th point of account processing, obtains Final Issue It refunds corresponding investor's income, comprising:
According to investor's current yield, calculates to obtain and divided investor's income;
Final Issue refund interest is obtained, and has divided investor's income according to described, calculates and obtains Final Issue refund pair The investor's income answered.
A kind of fund divides account device, comprising:
Acquiring unit, for obtaining the investment amount information of investor and the refund data information of refund people;
Capital divides bill first, for dividing capital according to the investment amount information and the refund data information Account processing, obtaining each phase refunds the deserved capital of corresponding investor;
Income divides bill first, for dividing income according to the investment amount information and the refund data information Account processing, obtaining each phase refunds the current yield of corresponding investor.
Optionally, further includes:
Determination unit, for determining the current refund interest of the refund people according to the refund data information;
Platform income calculation unit, the difference of the current yield for calculating the current refund interest and investor will The difference is denoted as investment platform current yield.
Compared to the prior art, the present invention provides a kind of funds to divide account method and device, according to the investment of investor gold The refund data information of volume information and refund people carries out capital point account when refunding each phase respectively and income point account is handled, can It is refunded the deserved capital and current yield of corresponding investor with obtaining each phase.Therefore each phase refund calculating can be corresponded to obtain Score account book gold and income, so can receive refund before the front verification point account amount of money, while by capital and income Combination allocation processing can guarantee the prospective earnings before investor's income meets, and then guarantee that the revenue amount of investor is quasi- Really.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis The attached drawing of offer obtains other attached drawings.
Fig. 1 is the flow diagram that a kind of fund provided in an embodiment of the present invention divides account method;
Fig. 2 is the structural schematic diagram that a kind of fund provided in an embodiment of the present invention divides account device.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other Embodiment shall fall within the protection scope of the present invention.
Term " first " and " second " in description and claims of this specification and above-mentioned attached drawing etc. are for area Not different objects, rather than for describing specific sequence.Furthermore term " includes " and " having " and their any deformations, It is intended to cover and non-exclusive includes.Such as it contains the process, method of a series of steps or units, system, product or sets It is standby not to be set in listed step or unit, but may include the step of not listing or unit.
A kind of fund point account method is provided in embodiments of the present invention, referring to Fig. 1, comprising:
The refund data information of S11, the investment amount information for obtaining investor and refund people;
Its capital fund can be put into investment platform by investor, and the investment platform can be in order to guarantee the receipts of investor Benefit borrows or lends money capital fund in a manner of borrowing or lending money to borrower, and provides the refund issue and the amount of money of borrower, borrows money at this time People is refund people when refunding.Divide account in order to carry out corresponding income according to its investment amount to investor.It first has to obtain Obtain the investment amount information of the investor, including but not limited to investment amount, income interest rate, investment in the investment amount information Then time and investment way etc. need to obtain the refund data information of refund people, the refund data are including but not limited to also The money amount of money, refund interest rate and refund issue etc..
S12, according to the investment amount information and the refund data information, a point account is carried out to capital and is handled, is obtained every One phase refunded the deserved capital of corresponding investor;
S13, according to the investment amount information and the refund data information, a point account is carried out to income and is handled, is obtained every One phase refunded the current yield of corresponding investor.
It should be noted that all carried out to the refund data of each phase at corresponding point account in embodiments of the present invention Reason, the refund data include capital and income wherein, income is mainly interest part.It is handled in the refund to each phase When, it is contemplated that the logic of different issue and different investors and the combination of algorithm make score account processing result more and can meet and is pre- Phase.
The present invention provides a kind of funds to divide account method, according to the also amount of money of the investment amount information of investor and refund people It is believed that breath, carries out capital point account when refunding each phase respectively and income point account is handled, it is corresponding that each phase refund can be obtained The deserved capital and current yield of investor.Therefore each phase refund can be corresponded to and calculate to obtain and divide account book gold and income, in turn Can receive refund before the front verification point account amount of money, while can be guaranteed by the combination allocation processing to capital and income Investor's income meet before prospective earnings, and then guarantee investor revenue amount it is accurate.
Point account processing in the embodiment of the present invention is specifically described below.
A kind of capital point account method is additionally provided in an embodiment of the present invention, comprising:
According to the refund data information, refund issue is determined;
First point of account processing is carried out to except the capital in the refund issue of Final Issue, obtains the corresponding throwing of each phase refund Provide the deserved capital of people;
Second point of account processing is carried out to the capital in the refund issue of Final Issue, obtains the corresponding throwing of Final Issue refund Provide the deserved capital of people.
Wherein, first point of account, which is handled, includes:
According to the investment amount information, the investment amount of each investor is obtained;
The investor is ranked up according to the investment amount size, determines the first investor, wherein described first Invest the most investor of artificial investment amount;
To the second investor in addition to the first investor acquire the second investor investment amount, according to described Refund data information determines total borrowing balance and current repayment amount, and according to the investment amount and total borrowing balance and The current repayment amount, which calculates, obtains the current deserved capital of the second investor;
The difference for calculating current repayment amount Yu the current deserved capital of second investor, is denoted as first for the difference The current deserved capital of investor.
Second point of account, which is handled, includes:
Calculate the sum of the deserved capital of the corresponding investor of all repayment periods in addition to Final Issue refund issue;
The difference that the investor invests the sum of total amount and described deserved capital is calculated, the difference is denoted as the throwing Provide the deserved capital of people's Final Issue.
For example, what refund people used after refunding divides account mode as follows in addition to Final Issue is refunded.
Sequence from small to large is carried out according to investment amount size to all investors first, it is assumed that there are n investors, it is right The capital that 1 to n-1 (in addition to last investor) investor carries out divides account, and formula is as follows:
(investor's investment amount/total borrowing balance) × current deserved capital of current repayment amount=investor
1 can be obtained to the current deserved capital point account of n-1 investor by above formula.
Divide account formula as follows for last current investor:
Current refund total amount-has divided the account amount of money=last investor currently deserved capital.
Assuming that repayment period is x, divide account formula for Final Issue capital point account are as follows:
Investment total amount-the 1 to (x-1) phase has got income=investor currently deserved capital
The capital point account amount of money that x-1 has been obtained before investor's investment amount summation subtracts obtains Final Issue investment The deserved capital of people, last financing people equally carry out a point account using the formula and calculate.
It should be noted that if preceding n-1 investor and last investor are all made of Same Way and carry out a point account, Then it is possible that this refund capital not enough last investor point or refund capital have remaining situation to occur.Therefore Guarantee that the capital finally refunded can be fully allocated to each investor using the distribution of the above two method of salary distribution, prevents Remaining or in debt situation.
Income point account is handled:
Except Final Issue interest (income) divides account:
Firstly, calculating each investment according to investor's investment amount, financing income year interest rate, total issue of borrowing money The accrued revenues amount of money of people, formula are as follows:
(investment amount × financing income year interest rate/12) × total issue=investor's accrued revenues of refunding
Then, according to the following formula:
(financing income year interest rate/refund year interest rate) × (financing people's investment amount/total borrowing balance) × currently and also Money interest=investor's current yield
Obtain the current deserved income of investor.
In embodiments of the present invention using the method to round up, decimal place remains into after decimal point 2.
Platform income formula are as follows:
Current refund interest-has divided investor's income=platform current yield, calculates the current platform accrued revenues amount of money.
Final Issue income divides account:
Final Issue platform income calculation mode remains unchanged.
The last one investor's income is needed using investor's accrued revenues is arrived, and calculation formula is as follows:
Investor's accrued revenues-the 1 to (x-1) phase has got income=financing people's accrued revenues
By it is above-mentioned it is different divide account algorithm, can solve financial staff can not know the stream of fund in time when without refunding To and funds data it is whether correct, while data accounting amount can be reduced, can be sent out before the allocation of the funds and refund people are refunded Now point account data there are the problem of and change in time.Simultaneously by more logics, more algorithm combinations, guarantee investor's capital, income The prospective earnings before investment are complied fully with, when solving investment matching with investment stroke count many-to-many relationship, the expected of appearance is received Benefit differs the larger problem of number with actual gain.
Above-mentioned point of account is illustrated according to concrete application scene, it is assumed that existing 10000 borrowing balance is matched to three throwings Money people is investor A, B and C respectively, and refund bill was 3 phases, and referring to the repayment schedule of table 1, wait refund, 3 phases total capital is 10000, refund interest rate is 36% year change interest rate, and financing interest rate is 14% year change interest rate.Table 2 is investor's investment amount, wherein A Investment amount 3000, B investment amount are that 3000, C investment amount is 4000, and account algorithm is divided to obtain each investment according to table 3 The capital point account and income (interest) of people divides account data.
Table 1
Table 2
A investor B investor C investor
Investment amount 3000 3000 4000
Table 3
Referring to fig. 2, a kind of fund point account device is additionally provided in embodiments of the present invention, comprising:
Acquiring unit 10, for obtaining the investment amount information of investor and the refund data information of refund people;
Capital divides bill member 20, for being carried out to capital according to the investment amount information and the refund data information The processing of point account, obtaining each phase refunds the deserved capital of corresponding investor;
Income divides bill member 30, for being carried out to income according to the investment amount information and the refund data information The processing of point account, obtaining each phase refunds the current yield of corresponding investor.
Optionally, further includes:
Determination unit, for determining the current refund interest of the refund people according to the refund data information;
Platform income calculation unit, the difference of the current yield for calculating the current refund interest and investor will The difference is denoted as investment platform current yield.
The present invention provides a kind of funds to divide account device, obtains the investment amount information of investor by acquiring unit and goes back The refund data information of money people carries out capital point when refunding each phase in capital point bill member and income point bill member respectively Account and income point account are handled, and can be obtained each phase and be refunded the deserved capital and current yield of corresponding investor.It therefore can be with Corresponding each phase, which refunds to calculate to obtain, divides account book gold and income, so can receive refund before the front verification point account amount of money, The prospective earnings before investor's income meets, Jin Erbao can be guaranteed by the combination allocation processing to capital and income simultaneously The revenue amount for demonstrate,proving investor is accurate.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part It is bright.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one The widest scope of cause.

Claims (10)

1. a kind of fund divides account method characterized by comprising
Obtain the investment amount information of investor and the refund data information of refund people;
According to the investment amount information and the refund data information, a point account is carried out to capital and is handled, obtains each phase refund The deserved capital of corresponding investor;
According to the investment amount information and the refund data information, a point account is carried out to income and is handled, obtains each phase refund The current yield of corresponding investor.
2. the method according to claim 1, wherein further include:
According to the refund data information, the current refund interest of the refund people is determined;
The difference is denoted as the current receipts of investment platform by the difference for calculating the current refund interest and the current yield of investor Benefit.
3. the method according to claim 1, wherein being believed according to the investment amount information and the refund data Breath, carries out a point account to capital and handles, and obtains each phase and refunds the deserved capital of corresponding investor, comprising:
According to the refund data information, refund issue is determined;
First point of account processing is carried out to except the capital in the refund issue of Final Issue, obtains the corresponding investor of each phase refund Deserved capital;
Second point of account processing is carried out to the capital in the refund issue of Final Issue, obtains the corresponding investor of Final Issue refund Deserved capital.
4. according to the method described in claim 3, it is characterized in that, capital in the described pair of refund issue except Final Issue into First point of account of row is handled, and obtains the corresponding deserved capital of investor of each phase refund, comprising:
According to the investment amount information, the investment amount of each investor is obtained;
The investor is ranked up according to the investment amount size, determines the first investor, wherein first investment The most investor of artificial investment amount;
To the second investor in addition to the first investor acquire the second investor investment amount, according to the refund Data information determines total borrowing balance and current repayment amount, and according to the investment amount and total borrowing balance and described Current repayment amount, which calculates, obtains the current deserved capital of the second investor;
The difference for calculating current repayment amount Yu the current deserved capital of second investor, is denoted as the first investment for the difference The current deserved capital of people.
5. according to the method described in claim 4, it is characterized in that, the capital in the refund issue to Final Issue carries out Second point of account processing obtains the corresponding deserved capital of investor of Final Issue refund, comprising:
Calculate the sum of the deserved capital of the corresponding investor of all repayment periods in addition to Final Issue refund issue;
The difference that the investor invests the sum of total amount and described deserved capital is calculated, the difference is denoted as the investor The deserved capital of Final Issue.
6. the method according to claim 1, wherein it is described according to the investment amount information and it is described also amount of money It is believed that breath, carries out a point account to income and handle, obtaining each phase refunds the current yield of corresponding investor, comprising:
According to the refund data information, refund issue is determined;
It handles except the income in the refund issue of Final Issue carries out third point account, obtains the corresponding investor of each phase refund Current yield;
4th point of account processing is carried out to the income in the refund issue of Final Issue, obtains the corresponding investor of Final Issue refund Income.
7. according to the method described in claim 6, it is characterized in that, income in the described pair of refund issue except Final Issue into Row third point account is handled, and is obtained each phase and is refunded the current yield of corresponding investor, comprising:
According to the investment amount information, investment amount, financing income Annual Percentage Rate and the total issue of borrowing money of each investor are determined;
According to the investment amount, the financing income Annual Percentage Rate and total issue of borrowing money, calculates the acquisition investor and answer Receive income;
According to the refund data information, current refund interest is obtained, and is thrown according to investor's accrued revenues calculating Provide people's current yield.
8. the method according to the description of claim 7 is characterized in that the income in the refund issue to Final Issue carries out 4th point of account processing obtains the corresponding investor's income of Final Issue refund, comprising:
According to investor's current yield, calculates to obtain and divided investor's income;
Final Issue refund interest is obtained, and has divided investor's income according to described, it is corresponding to calculate acquisition Final Issue refund Investor's income.
9. a kind of fund divides account device characterized by comprising
Acquiring unit, for obtaining the investment amount information of investor and the refund data information of refund people;
Capital divides bill first, for being carried out at point account to capital according to the investment amount information and the refund data information Reason, obtaining each phase refunds the deserved capital of corresponding investor;
Income divides bill first, for being carried out at point account to income according to the investment amount information and the refund data information Reason, obtaining each phase refunds the current yield of corresponding investor.
10. device according to claim 9, which is characterized in that further include:
Determination unit, for determining the current refund interest of the refund people according to the refund data information;
Platform income calculation unit, the difference of the current yield for calculating the current refund interest and investor will be described Difference is denoted as investment platform current yield.
CN201811069171.4A 2018-09-13 2018-09-13 A kind of fund divides account method and device Pending CN109255717A (en)

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Application Number Priority Date Filing Date Title
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110020954A (en) * 2019-03-26 2019-07-16 阿里巴巴集团控股有限公司 A kind of income distribution method, device and computer equipment
CN110503416A (en) * 2019-08-29 2019-11-26 腾讯科技(深圳)有限公司 Numeric value transfer, device, computer equipment and storage medium

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110020954A (en) * 2019-03-26 2019-07-16 阿里巴巴集团控股有限公司 A kind of income distribution method, device and computer equipment
CN110020954B (en) * 2019-03-26 2023-09-05 创新先进技术有限公司 Revenue distribution method and device and computer equipment
CN110503416A (en) * 2019-08-29 2019-11-26 腾讯科技(深圳)有限公司 Numeric value transfer, device, computer equipment and storage medium
CN110503416B (en) * 2019-08-29 2023-08-22 腾讯科技(深圳)有限公司 Numerical value transfer method, device, computer equipment and storage medium

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Application publication date: 20190122