CN109584036B - Object calculation method and device, electronic equipment and computer-readable storage medium - Google Patents
Object calculation method and device, electronic equipment and computer-readable storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses an object calculation method, an object calculation device, electronic equipment and a computer readable storage medium, wherein the method comprises the following steps: acquiring a historical object calculation parameter set, wherein the historical object calculation parameter set comprises: a historical object calculation basic value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit; judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the values of the target object calculation basic value and the target object calculation and the like of the target calculation time unit according to the judgment result; and calculating to obtain a target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.
Description
Technical Field
The embodiment of the invention relates to the technical field of data calculation, in particular to an object calculation method, an object calculation device, electronic equipment and a computer-readable storage medium.
Background
With the development of data technology and financial services, a variety of interest-bearing ways of financial services such as deposit, loan, financing, etc. have been derived, for example: the business model is rich, such as current, regular, agreed, and waiting dates, and multi-form loans, so that the interest rule becomes more and more complex. In order to meet the accounting requirement of the full responsibility generation system, daily interest improvement needs to be carried out on all data every day, and under the condition, how to improve the calculation efficiency and quickly calculate massive user interest data on the premise of ensuring accurate interest calculation is an urgent problem to be solved. The common interest counting methods in the prior art are an accumulated interest counting method and a stroke-by-stroke interest counting method, when the interest counting method is used for a plurality of interest rate segmented scenes, recursive calculation is needed, and a complete interest counting result can be obtained finally, so that obviously, the calculation performance is greatly reduced for the interest counting scenes with long periods; in order to improve the calculation performance, a daily interest method can be adopted, namely daily generated interest is solidified, and then daily interest is summed to obtain the total amount of interest.
Disclosure of Invention
The embodiment of the invention provides an object calculation method, an object calculation device, electronic equipment and a computer-readable storage medium.
In a first aspect, an embodiment of the present invention provides an object calculation method.
Specifically, the object calculation method includes:
acquiring a historical object calculation parameter set, wherein the historical object calculation parameter set comprises: a historical object calculation base value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining a target object calculation basic value and a target object calculation equivalent value of the target calculation time unit according to the judgment result;
and calculating to obtain a target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.
With reference to the first aspect, in a first implementation manner of the first aspect, the historical object computation equivalence value is a product of the historical object computation base value and a historical computation time unit duration number with a same historical object computation coefficient.
With reference to the first aspect and the first implementation manner of the first aspect, in a second implementation manner of the first aspect, the determining whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the target object calculation base value and the target object calculation equivalence value of the target calculation time unit according to the determination result includes:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalent value and the target object calculation base value as the target object calculation equivalent value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
and when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basic value as the target object calculation basic value, and determining the target object calculation basic value as the target object calculation equivalent value.
With reference to the first aspect, the first implementation manner of the first aspect, and the second implementation manner of the first aspect, in a third implementation manner of the first aspect, the calculating a target object value according to the target object calculation equivalence value and the object calculation coefficient of the target calculation time unit includes:
multiplying the target object calculation equivalence value by an object calculation coefficient of a target calculation time unit;
the resulting product is confirmed as the target object value.
With reference to the first aspect, the first implementation manner of the first aspect, the second implementation manner of the first aspect, and the third implementation manner of the first aspect, in a fourth implementation manner of the first aspect, the present disclosure further includes:
and calculating and outputting the object accumulated value according to the judgment result.
With reference to the first aspect, the first implementation manner of the first aspect, the second implementation manner of the first aspect, the third implementation manner of the first aspect, and the fourth implementation manner of the first aspect, in a fifth implementation manner of the first aspect, the calculating and outputting a cumulative value of objects according to the determination result includes:
acquiring a second historical object value before the previous calculation time unit;
when the target calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating a sum of the target object value and the second history object value, and outputting the obtained sum as the object integrated value;
when the object calculation coefficient of the target calculation time unit is not the same as the history object calculation coefficient, the second history object value is updated to the sum of the first history object value and the second history object value, and the sum of the target object value and the updated second history object value is output as the object cumulative value.
In a second aspect, an embodiment of the present invention provides an object computing apparatus.
Specifically, the object computing apparatus includes:
an obtaining module configured to obtain a set of historical object calculation parameters, wherein the set of historical object calculation parameters includes: a historical object calculation basic value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
the determining module is configured to judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine a target object calculation basic value and a target object calculation equivalent value of the target calculation time unit according to the judgment result;
and the calculation module is configured to calculate a target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.
With reference to the second aspect, in a first implementation manner of the second aspect, the history object computation equivalence value is a product of the history object computation base value and a history computation time unit duration number with a same history object computation coefficient.
With reference to the second aspect and the first implementation manner of the second aspect, in a second implementation manner of the second aspect, the determining module is configured to:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalence value and the target object calculation base value as the target object calculation equivalence value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
and when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basic value as the target object calculation basic value, and determining the target object calculation basic value as the target object calculation equivalent value.
With reference to the second aspect, the first implementation manner of the second aspect, and the second implementation manner of the second aspect, in a third implementation manner of the second aspect, the calculating module includes:
a calculation sub-module configured to multiply the target object calculation equivalence value and an object calculation coefficient of a target calculation time unit;
a validation submodule configured to validate the resulting product as a target object value.
With reference to the second aspect, the first implementation manner of the second aspect, the second implementation manner of the second aspect, and the third implementation manner of the second aspect, in a fourth implementation manner of the second aspect, the present disclosure further includes:
and the output module is configured to calculate and output the object accumulated value according to the judgment result.
With reference to the second aspect, the first implementation manner of the second aspect, the second implementation manner of the second aspect, the third implementation manner of the second aspect, and the fourth implementation manner of the second aspect, in a fifth implementation manner of the second aspect, the output module is configured to:
acquiring a second historical object value before the previous calculation time unit;
when the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating the sum of the target object value and the second history object value, and outputting the obtained sum value as the object accumulated value;
when the object calculation coefficient of the target calculation time unit is not the same as the history object calculation coefficient, the second history object value is updated to the sum of the first history object value and the second history object value, and the sum of the target object value and the updated second history object value is output as the object cumulative value.
In a third aspect, an embodiment of the present invention provides an electronic device, which includes a memory and a processor, where the memory is used to store one or more computer instructions that support an object computing apparatus to execute the object computing method in the first aspect, and the processor is configured to execute the computer instructions stored in the memory. The subject computing device may also include a communication interface for the subject computing device to communicate with other devices or communication networks.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium for storing computer instructions for an object computing apparatus, where the computer instructions include computer instructions for executing the object computing method in the first aspect to the object computing apparatus.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
according to the technical scheme, the calculation of the object data such as interest is split according to the change of interest rate, namely, the object data is calculated in an interest rate segmented solidification mode, so that the interest corresponding to different interest rates can be relatively independent, and repeated calculation is avoided. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of embodiments of the invention.
Drawings
Other features, objects and advantages of embodiments of the invention will become more apparent from the following detailed description of non-limiting embodiments thereof, taken in conjunction with the accompanying drawings. In the drawings:
FIG. 1 illustrates a flow diagram of an object computation method according to an embodiment of the invention;
FIG. 2 shows a flow chart of step S103 of the object calculation method according to the embodiment shown in FIG. 1;
FIG. 3 illustrates a flow diagram of an object computation method according to another embodiment of the invention;
FIG. 4 illustrates a block diagram of a subject computing device, in accordance with an embodiment of the present invention;
FIG. 5 shows a block diagram of the computing module 403 of the object computing device according to the embodiment shown in FIG. 4;
FIG. 6 shows a block diagram of a structure of a subject computing device according to another embodiment of the present invention;
FIG. 7 shows a block diagram of an electronic device according to an embodiment of the invention;
fig. 8 is a schematic block diagram of a computer system suitable for implementing an object calculation method according to an embodiment of the present invention.
Detailed Description
Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily implement them. Also, for the sake of clarity, parts not relevant to the description of the exemplary embodiments are omitted in the drawings.
In the embodiments of the present invention, it is to be understood that terms such as "including" or "having", etc., are intended to indicate the presence of the features, numbers, steps, actions, components, parts, or combinations thereof disclosed in the present specification, and are not intended to exclude the possibility that one or more other features, numbers, steps, actions, components, parts, or combinations thereof may be present or added.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. Embodiments of the present invention will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
According to the technical scheme provided by the embodiment of the invention, the calculation of the object data such as interest is split according to the change of interest rate, namely, the object data is calculated by adopting an interest rate segmented solidification mode, so that the interest rates corresponding to different interest rates can be relatively independent, and the repeated calculation is avoided. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.
Fig. 1 shows a flowchart of an object calculation method according to an embodiment of the present invention, which, as shown in fig. 1, includes the following steps S101-S103:
in step S101, a history object calculation parameter set is acquired;
in step S102, it is determined whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and a target object calculation base value and a target object calculation equivalence value of the target calculation time unit are determined according to the determination result;
in step S103, a target object value is calculated from the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.
As mentioned above, with the development of data technology and financial services, a variety of interest-bearing ways for financial services such as deposit, loan, financing, etc. have been derived, for example: the business model is rich, such as current, regular, agreed, and waiting dates, and multi-form loans, so that the interest rule becomes more and more complex. In order to meet the accounting requirement of the full responsibility generation system, daily interest improvement needs to be carried out on all data every day, and under the condition, how to improve the calculation efficiency and quickly calculate massive user interest data on the premise of ensuring accurate interest calculation is an urgent problem to be solved. However, the conventional information methods in the prior art have poor calculation performance or poor calculation accuracy, and cannot meet the requirements of practical application.
In view of the above problem, in this embodiment, an object calculation method is proposed, which splits the calculation of object data such as interest according to the change of interest rate, that is, calculates the object data by using a segmented solidification method of interest rate, so that the interest rates corresponding to different interest rates can be relatively independent, and repeated calculation is avoided. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.
Wherein the object refers to interest or other objects for which there are calculation coefficients and cumulative calculations.
In an optional implementation manner of this embodiment, the set of historical object calculation parameters includes: a historical object calculation base value of a previous calculation time unit, a historical object calculation equal value, a historical object calculation coefficient and a first historical object value. Wherein the calculation time unit refers to a time unit used for object calculation, such as day, week, month, etc., and for easy understanding, the invention is further explained and explained with day as the calculation time unit.
Wherein the object calculation basis value refers to a basis data value that yields object data; the object calculation equivalent value refers to an equivalent value obtained by performing certain calculation or conversion on the object calculation basic value for the convenience of object calculation; the object calculation coefficient refers to coefficient data such as interest rate that is decisive for object data.
For example, a client is deposited at a financial institution for 1 ten thousand yuan, the depositing period is 1 year, and the annual interest rate agreed at the time of depositing is 5%, and although the client may only care about how much interest he can get after 1 year, for the financial institution, it is necessary to calculate the interest generated by the client's deposit every day in order to perfect the fund management. In the interest calculation of this example, the subject calculation base is 1 ten thousand yuan, and the subject calculation factor is 0.137 per thousand daily interest rate, that is, 5% annual interest rate divided by the total number of days of the year 365. In addition, in order to facilitate the calculation of interest, the value obtained by multiplying the object calculation base value by the total days of interest, or the sum of the value of the historical object calculation and the like of the previous calculation time unit and the current calculation day target object calculation base value is used as the value of the object calculation and the like to calculate the interest of each day, so that the value of the object calculation and the like can be directly multiplied by the daily interest rate to obtain the interest of each day, for example, in the above example, the value of the object calculation base of the first day is 1 ten thousand yuan, the total days of interest is 1, the value of the object calculation and the like of the first day is that the value of the object calculation base of the first day multiplied by the total days of interest is 1 ten thousand yuan, the coefficient of the object calculation of the first day is 0.137%, and the value of the interest of the first day is 1 ten thousand yuan multiplied by 0.137% and is 1.37 yuan; the basic value of the object calculation of the next day is still 1 ten thousand yuan, the total days of rest is 2, the equivalent value of the object calculation of the next day is that the basic value of the object calculation of the next day multiplied by the total days of rest is equal to 2 ten thousand yuan, the coefficient of the object calculation of the second day is unchanged and is still 0.137 per thousand, and the interest value of the second day multiplied by 0.137 per thousand is equal to 2.74 yuan; the basic value of the object calculation of the third day is still 1 ten thousand yuan, the total days from rest is 3, the equivalent value of the object calculation of the third day is that the basic value of the object calculation of the third day multiplied by the total days from rest is equal to 3 ten thousand yuan, the coefficient of the object calculation of the third day is unchanged and is still 0.137 per thousand, the interest value of the third day multiplied by 0.137 per thousand is equal to 4.11 yuan, and so on, and the interest value obtained by the client every day can be obtained.
Wherein the target calculation time unit refers to a time in which the object data to be calculated is currently located, such as a current day, a current week, or a current month.
In an optional implementation manner of this embodiment, the step S102 of determining whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the value of the target object calculation base value and the target object calculation equivalent value of the target calculation time unit according to the determination result includes the following steps:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalence value and the target object calculation base value as the target object calculation equivalence value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
and when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basic value as the target object calculation basic value, and determining the target object calculation basic value as the target object calculation equivalent value.
As mentioned above, the abundance of current financial business models brings about various interest-bearing rules, for example, in order to attract customers, some financial institutions have introduced deposit rules with increased interest in the early stages, for example, for a deposit in a year, the annual rate of the first two months, i.e., the first 60 days, is 8%, the annual rate of the last 10 months, i.e., the last 305 days, is 5%, and even more changes in the interest rate occur in the storage period, for example, the annual rate of the first two months, i.e., the first 60 days, is 8%, the annual rate of the middle two months, i.e., the middle 60 days, is 6%, and the annual rate of the last 8 months, i.e., the last 245 days, is 5%. For such interest rate floating interest rate rule, the common interest rate method in the prior art has poor calculation performance or poor calculation accuracy, and cannot meet the requirements of practical application. Therefore, in order to simplify the calculation of interest, avoid unnecessary repeated accumulation, and improve the calculation efficiency, in this embodiment, the calculation of the object data such as interest is divided according to the change of interest rate, that is, the object data is calculated by using the way of solidifying interest rate segments.
Specifically, firstly, judging whether an object calculation coefficient of a target calculation time unit is the same as the historical object calculation coefficient, namely judging whether interest rates of a current calculation day and a previous calculation day are the same; if the values are the same, the target calculation time unit and the previous calculation time unit can be merged for calculation, and the object value can be obtained continuously in a mode of object calculation equivalent value accumulation, object calculation equivalent value multiplication and object calculation coefficient multiplication, namely, at the moment, the historical object calculation base value can be determined as the target object calculation base value, and the sum of the historical object calculation equivalent value and the target object calculation base value can be determined as the target object calculation equivalent value; if the target calculation time unit is different from the previous calculation time unit, the target calculation time unit needs to be calculated separately, and at this time, the interest value obtained by historical calculation is set to be an obtained solidified interest value, then the historical object calculation base value is determined as the target object calculation base value, the target object calculation base value is determined as the target object calculation equivalent value, even if the target object calculation equivalent value is recovered to the object calculation base value, the calculation of a new round of interest rate reference is restarted.
In an alternative implementation manner of this embodiment, as shown in fig. 2, the step S103 of calculating a target object value according to the target object calculation equivalence value and the object calculation coefficient of the target calculation time unit includes the following steps S201 to S202:
in step S201, multiplying the target object calculation equivalence value by an object calculation coefficient of a target calculation time unit;
in step S202, the resulting product is confirmed as a target object value.
In this embodiment, the target value in the target calculation time unit can be obtained by multiplying the confirmed value such as the target calculation and the like by the target calculation coefficient in the target calculation time unit.
In an optional implementation manner of this embodiment, the method further includes a step of calculating and outputting an object cumulative value according to the determination result, that is, as shown in fig. 3, the method includes the following steps S301 to S304:
in step S301, a set of historical object calculation parameters is obtained, wherein the set of historical object calculation parameters includes: a historical object calculation base value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
in step S302, it is determined whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and a target object calculation base value and a target object calculation equivalence value of the target calculation time unit are determined according to the determination result;
in step S303, a target object value is calculated according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit;
in step S304, an object cumulative value is calculated and output based on the determination result.
In this embodiment, in order to facilitate data statistics of the financial institution or to facilitate data retention of the customer, an object cumulative value, that is, a cumulative value of object values obtained by up to a target calculation time unit is also calculated and output.
In an optional implementation manner of this embodiment, the step S304 of calculating and outputting the object cumulative value according to the determination result includes the following steps:
acquiring a second historical object value before the previous calculation time unit;
when the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating the sum of the target object value and the second history object value, and outputting the obtained sum value as the object accumulated value;
when the target calculation coefficient of the target calculation time unit is different from the history target calculation coefficient, the second history target value is updated to the sum of the first history target value and the second history target value, and the sum of the target value and the updated second history target value is output as the target integrated value.
In this embodiment, in order to effectively accumulate the object value, first, a second history object value obtained before the previous calculation time unit is obtained, and then, whether the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient is judged, and if so, the calculated target object value and the second history object value are added to be output as an object accumulation value; if not, the sum of the first history object value and the second history object value is used as a new second history object value, and the sum of the target object value and the new second history object value is output as an object accumulated value.
The second historical object value refers to a cured interest value obtained before the previous calculation time unit, if the interest value before the previous calculation time unit does not change, the second historical object value is zero, if the interest value before the previous calculation time unit changes, the second historical object value is the previously obtained cured interest value, and the cured interest value is the sum of the interest values generated in the continuous time period of each previous interest rate.
In the above example, a client has reserved 1 ten thousand yuan in a financial institution for 1 year, and the annual rate of the client is 8%, i.e., 0.219%, 6%, i.e., 0.164%, in the first 60 days, and 5%, i.e., 0.137%, in the last 245 days. Then the interest of each day in the previous 60 days is the equivalent value calculated by the object in the current day multiplied by the daily interest rate of the current day by 0.219 per thousand, wherein the equivalent value calculated by the object in the current day is equal to the basic value calculated by the object in the current day multiplied by the days of interest; on day 60, the interest gained by the client is equal to 131.5 yuan for the equal value of 60 ten thousand yuan multiplied by the daily interest rate of 0.219 per thousand for the object calculation on day 60.
On day 61, the object calculation coefficient is changed from 0.219% to 0.164% and, in order to simplify the calculation of interest and avoid unnecessary repeated accumulation, a way of calculating interest in segments is adopted, namely 131.5 yuan of interest obtained on the previous 60 days is reserved as a cured interest value, day 61 is taken as the first interest day of the next interest segment for calculation, at this time, the object calculation base value on day 61 is unchanged and still 1 ten thousand yuan, but the object calculation equivalent value on day 61 is not the object calculation base value multiplied by the total number of interest days 61 but regresses the initial value of the first interest day, namely equal to 1 ten thousand yuan of the object calculation base value, the object calculation coefficient on day 61 is changed to 0.164% and then the interest obtained on day 61 is calculated equal to 1 yuan of the object calculation equivalent value on day 61 multiplied by 0.164% on day 61 and equal to 1.64 yuan of the object calculation coefficient 0.164% on day 61; on the last day of the second interest rate, day 120, the customer receives an interest equal value of 60 ten thousand dollars for the subject at day 60 of the second interest rate phase multiplied by 0.164% o of the second daily interest rate equal to 98.63 dollars.
On day 121, the subject calculation coefficient is changed again from 0.164% to 0.137% and similarly to the above processing method, 98.63 yuan of interest obtained on the middle 60 days is added to 131.5 yuan of interest obtained on the previous 60 days, the obtained sum of interest is kept as a new cured interest value, day 121 is taken as the first interest day of the next interest rate segment to calculate, at this time, the subject calculation base value on day 121 is unchanged and still 1 ten thousand yuan, the subject calculation equal value on day 121 returns to the initial value of the first interest day again, that is, the subject calculation base value is 1 ten thousand yuan, the subject calculation coefficient on day 121 is changed to 0.137% and then the interest obtained on day 121 is equal value 1 ten thousand yuan of the subject calculation equal value on day 121 multiplied by 0.137% of the subject calculation coefficient on day 121 and is equal to 1.37 yuan. The subject calculation coefficients from day 121 to day 365 are unchanged, so that the interest value can be calculated according to the fixed subject calculation coefficient processing method described above, the interest obtained from day 365 is equal to 335.6 yuan multiplied by 245 ten thousand yuan of the subject calculation equivalent value of day 365, and finally the interest value 335.6 yuan corresponding to the third interest rate is added to the solidified interest value 230.13 yuan saved before, so that the total interest value 565.73 yuan obtained by the client under the floating interest rate contract can be obtained.
The above example describes the calculation of interest under the condition that the interest rate changes twice in the period of existence, and the calculation of interest can be performed similarly under the condition that the interest rate changes for many times in the period of existence, and the invention is not repeated herein.
In an optional implementation manner of this embodiment, before step S102, the method further includes the following steps:
acquiring an object calculation coefficient of a target calculation time unit;
and preprocessing each parameter in the object calculation coefficient and the historical object calculation parameter set of the target calculation time unit.
Considering that the object calculation coefficients of the target calculation time unit and the parameters in the historical object calculation parameter set may originate from different platforms or different systems, and formats of these data are different, in order to improve the work efficiency of data processing and interest calculation, it is necessary to perform denoising, normalization and/or format conversion processing on the obtained data according to the needs of practical applications, that is, in an optional implementation manner of this embodiment, the preprocessing may include one or more of the following processes: denoising, normalization and format conversion.
In an optional implementation manner of this embodiment, the method further includes a step of outputting the target object value after step S103.
In this step, the display form of the target object value may be modified according to the needs of different business parties and then output, for example, the target object value may be placed in different data templates and output to different business parties.
The following are embodiments of the apparatus of the present invention that may be used to perform embodiments of the method of the present invention.
Fig. 4 shows a block diagram of an object computing apparatus according to an embodiment of the present invention, which may be implemented as part or all of an electronic device, specifically as a platform side, by software, hardware, or a combination of both. As shown in fig. 4, the object computing apparatus includes:
an obtaining module 401 configured to obtain a historical object calculation parameter set;
a determination module 402 configured to determine whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine a target object calculation base value and a target object calculation equivalence value of the target calculation time unit according to the determination result;
and a calculating module 403 configured to calculate a target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.
As mentioned above, with the development of data technology and financial services, a variety of interest-bearing ways for financial services such as deposit, loan, financing, etc. have been derived, for example: the business model is rich, such as current date, fixed period, agreement, and the like, and the multi-form loan and the like, so that the interest-bearing rule becomes more and more complex. In order to meet the accounting requirement of a full responsibility generation system, interest improvement needs to be performed on all data on the day every day, and under the condition, on the premise of ensuring accurate interest calculation, the problem of how to improve the calculation efficiency and quickly calculate massive user interest data is a problem which needs to be solved urgently. However, the common information methods in the prior art have poor calculation performance or poor calculation accuracy, and cannot meet the requirements of practical application.
In view of the above problem, in this embodiment, a subject calculating apparatus is provided, which splits the calculation of subject data such as interest according to the change of interest rate, that is, calculates the subject data by using the segmented solidification of interest rate, so that the interest rates corresponding to different interest rates can be relatively independent, and the repeated calculation is avoided. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.
Wherein the object refers to interest or other objects for which there are calculation coefficients and cumulative calculations.
In an optional implementation manner of this embodiment, the set of historical object calculation parameters includes: a historical object calculation base value of a previous calculation time unit, a historical object calculation equal value, a historical object calculation coefficient and a first historical object value. Wherein the calculation time unit refers to a time unit used for object calculation, such as day, week, month, etc., and for easy understanding, the invention is further explained and illustrated below with day as the calculation time unit.
Wherein the object calculation basis value refers to a basis data value that yields object data; the object calculation equivalent value refers to an equivalent value obtained by performing certain calculation or conversion on the object calculation basic value for the convenience of object calculation; the object calculation coefficient refers to coefficient data such as interest rate that plays a decisive role in object data.
For example, a client has 1 ten thousand yuan in a financial institution, the term of deposit is 1 year, the annual rate agreed upon at the time of deposit is 5%, and although the client may only care how much interest he can take after 1 year, for the financial institution, it is necessary to calculate the interest generated by the client's deposit daily in order to perfect the fund management. In the interest calculation of this example, the subject calculation base is 1 ten thousand yuan, and the subject calculation factor is 0.137 per thousand daily interest rate, that is, 5% annual interest rate divided by the total number of days of the year 365. In addition, in order to facilitate the calculation of interest, the value obtained by multiplying the object calculation base value by the total days of interest, or the sum of the value of the historical object calculation and the like of the previous calculation time unit and the current calculation day target object calculation base value is used as the value of the object calculation and the like to calculate the interest of each day, so that the value of the object calculation and the like can be directly multiplied by the daily interest rate to obtain the interest of each day, for example, in the above example, the value of the object calculation base of the first day is 1 ten thousand yuan, the total days of interest is 1, the value of the object calculation and the like of the first day is that the value of the object calculation base of the first day multiplied by the total days of interest is 1 ten thousand yuan, the coefficient of the object calculation of the first day is 0.137%, and the value of the interest of the first day is 1 ten thousand yuan multiplied by 0.137% and is 1.37 yuan; the basic value of the object calculation of the next day is still 1 ten thousand yuan, the total days of rest is 2, the equivalent value of the object calculation of the next day is that the basic value of the object calculation of the next day multiplied by the total days of rest is equal to 2 ten thousand yuan, the coefficient of the object calculation of the second day is unchanged and is still 0.137 per thousand, and the interest value of the second day multiplied by 0.137 per thousand is equal to 2.74 yuan; the basic value of the object calculation of the third day is still 1 ten thousand yuan, the total days of origin is 3, the equivalent value of the object calculation of the third day is that the basic value of the object calculation of the third day multiplied by the total days of origin is equal to 3 ten thousand yuan, the object calculation coefficient of the third day is unchanged and is still 0.137 per thousand, the interest value of the third day is 3 ten thousand yuan multiplied by 0.137 per thousand and is equal to 4.11 yuan, and the like, so that the interest value obtained by the client every day can be obtained.
The target calculation time unit refers to a time in which the object data to be calculated is currently located, such as a current day, a current week, or a current month.
In an optional implementation manner of this embodiment, the determining module 402 is configured to:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalence value and the target object calculation base value as the target object calculation equivalence value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
and when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basic value as the target object calculation basic value, and determining the target object calculation basic value as the target object calculation equivalent value.
As mentioned above, the abundance of current financial business models brings about various interest-bearing rules, for example, in order to attract customers, some financial institutions have introduced deposit rules with increased interest in the early stages, for example, for a deposit in a year, the annual rate of the first two months, i.e., the first 60 days, is 8%, the annual rate of the last 10 months, i.e., the last 305 days, is 5%, and even more changes in the interest rate occur in the storage period, for example, the annual rate of the first two months, i.e., the first 60 days, is 8%, the annual rate of the middle two months, i.e., the middle 60 days, is 6%, and the annual rate of the last 8 months, i.e., the last 245 days, is 5%. For such interest rate floating interest rate rule, the common interest rate method in the prior art has poor calculation performance or poor calculation accuracy, and cannot meet the requirements of practical application. Therefore, in order to simplify the calculation of interest, avoid unnecessary repeated accumulation, and improve the calculation efficiency, in this embodiment, the calculation of the object data such as interest is divided according to the change of interest rate, that is, the object data is calculated by using the way of solidifying interest rate segments.
Specifically, the determining module 402 determines whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, that is, whether the interest rate of the current calculation day is the same as the interest rate of the previous calculation day; if the values are the same, the target calculation time unit and the previous calculation time unit can be merged for calculation, and the object value can be obtained in a mode of multiplying the value of the object calculation equivalent value accumulation, the value of the object calculation and the like and the object calculation coefficient, namely, at the moment, the historical object calculation base value can be determined as the target object calculation base value, and the sum of the historical object calculation equivalent value and the target object calculation base value can be determined as the target object calculation equivalent value; if the calculation time unit is different from the previous calculation time unit, the target calculation time unit needs to be calculated separately, at this time, the interest value obtained by historical calculation is set to be an obtained solidified interest value, then the historical object calculation base value is determined as the target object calculation base value, the target object calculation base value is determined as the target object calculation equivalent value, and even if the target object calculation equivalent value is recovered to the object calculation base value, the calculation of a new round of interest rate reference is restarted.
In an optional implementation manner of this embodiment, as shown in fig. 5, the calculating module 403 includes:
a calculation submodule 501 configured to multiply the target object calculation equivalence value by an object calculation coefficient of a target calculation time unit;
a validation submodule 502 configured to validate the resulting product as a target object value.
In this embodiment, the target value in the target calculation time unit can be obtained by multiplying the confirmed value such as the target calculation and the like by the target calculation coefficient in the target calculation time unit.
In an optional implementation manner of this embodiment, the apparatus further includes a part that calculates and outputs the object cumulative value according to the determination result, that is, as shown in fig. 6, the apparatus includes:
an obtaining module 601 configured to obtain a historical object calculation parameter set, where the historical object calculation parameter set includes: a historical object calculation basic value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
a determining module 602 configured to determine whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine a target object calculation base value and a target object calculation equivalence value of the target calculation time unit according to the determination result;
a calculating module 603 configured to calculate a target object value according to the target object calculation equivalent value and an object calculation coefficient of a target calculation time unit;
an output module 604 configured to calculate and output the object cumulative value according to the determination result.
In this embodiment, in order to facilitate data statistics of the financial institution or to facilitate data retention of the customer, the output module 604 is further provided to calculate and output an object cumulative value, that is, a cumulative value of object values obtained by up to a target calculation time unit.
In an optional implementation manner of this embodiment, the output module 604 is configured to:
acquiring a second historical object value before the previous calculation time unit;
when the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating the sum of the target object value and the second history object value, and outputting the obtained sum value as the object accumulated value;
when the object calculation coefficient of the target calculation time unit is not the same as the history object calculation coefficient, the second history object value is updated to the sum of the first history object value and the second history object value, and the sum of the target object value and the updated second history object value is output as the object cumulative value.
In this embodiment, in order to effectively accumulate the object value, the output module 604 first obtains a second historical object value obtained before the previous calculation time unit, then determines whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and if so, adds the calculated target object value and the second historical object value to output as the object accumulation value; if the target object value is different from the second object value, the sum of the first and second history object values is used as a new second history object value, and the sum of the target object value and the new second history object value is output as an object accumulated value.
The second historical object value refers to a curing interest value obtained before the previous calculation time unit, if the interest value before the previous calculation time unit does not change, the second historical object value is zero, if the interest value before the previous calculation time unit changes, the second historical object value is the previously obtained curing interest value, and the curing interest value is the sum of the interest values generated in the continuous time period of each previous interest rate.
In the above example, a client is deposited at a financial institution for 1 ten thousand yuan, the deposit period is 1 year, the annual rate of 60 days before the deposit is agreed to be 8%, i.e., 0.219% o by day, the annual rate of 60 days in the middle is agreed to be 6%, i.e., 0.164% by day, and the annual rate of 245 days after the deposit is 5%, i.e., 0.137% by day. Then the interest of each day in the previous 60 days is the calculated equivalent value of the object in the current day multiplied by the daily interest rate of the current day by 0.219 permillage, wherein the calculated equivalent value of the object in the current day is equal to the calculated basic value of the object in the current day multiplied by the days of interest; on day 60, the interest gained by the client is equal to 131.5 yuan for the equal value of 60 ten thousand yuan multiplied by the daily interest rate of 0.219 per thousand for the object calculation on day 60.
On day 61, the object calculation coefficient is changed from 0.219% to 0.164% and, in order to simplify the calculation of interest and avoid unnecessary repeated accumulation, a way of calculating interest in segments is adopted, namely 131.5 yuan of interest obtained on the previous 60 days is reserved as a cured interest value, day 61 is taken as the first interest day of the next interest segment for calculation, at this time, the object calculation base value on day 61 is unchanged and still 1 ten thousand yuan, but the object calculation equivalent value on day 61 is not the object calculation base value multiplied by the total number of interest days 61 but regresses the initial value of the first interest day, namely equal to 1 ten thousand yuan of the object calculation base value, the object calculation coefficient on day 61 is changed to 0.164% and then the interest obtained on day 61 is calculated equal to 1 yuan of the object calculation equivalent value on day 61 multiplied by 0.164% on day 61 and equal to 1.64 yuan of the object calculation coefficient 0.164% on day 61; on the last day of the second interest rate, day 120, the customer receives an interest equal value of 60 ten thousand dollars for the subject at day 60 of the second interest rate phase multiplied by 0.164% o of the second daily interest rate equal to 98.63 dollars.
On day 121, the subject calculation coefficient is changed again from 0.164% to 0.137% and similarly to the above processing method, 98.63 yuan of interest obtained on the middle 60 days is added to 131.5 yuan of interest obtained on the previous 60 days, the obtained sum of interest is kept as a new cured interest value, day 121 is taken as the first interest day of the next interest rate segment to calculate, at this time, the subject calculation base value on day 121 is unchanged and still 1 ten thousand yuan, the subject calculation equal value on day 121 returns to the initial value of the first interest day again, that is, the subject calculation base value is 1 ten thousand yuan, the subject calculation coefficient on day 121 is changed to 0.137% and then the interest obtained on day 121 is equal value 1 ten thousand yuan of the subject calculation equal value on day 121 multiplied by 0.137% of the subject calculation coefficient on day 121 and is equal to 1.37 yuan. The subject calculation coefficients from day 121 to day 365 have not changed, so that the interest value can be calculated according to the above-described fixed subject calculation coefficient processing method, then the interest obtained at day 365 is equal to 335.6 yuan multiplied by the subject calculation coefficient of 0.137% o at day 365, and finally the interest value of 335.6 yuan corresponding to the third interest rate is added to the previously saved cured interest value of 230.13 yuan, so that 565.73 yuan of the total interest value obtained by the client under the above-mentioned floating interest rate agreement can be obtained.
The above example describes the calculation of interest under the condition that the interest rate changes twice in the period of existence, and the calculation of interest can be performed similarly under the condition that the interest rate changes for many times in the period of existence, and the present invention is not described herein again.
In an optional implementation manner of this embodiment, the apparatus may further include:
an object calculation coefficient acquisition module configured to acquire an object calculation coefficient of a target calculation time unit;
a preprocessing module configured to preprocess the object calculation coefficients of the target calculation time unit and respective parameters in a set of historical object calculation parameters.
Considering that the object calculation coefficients of the target calculation time unit and the parameters in the historical object calculation parameter set may originate from different platforms or different systems, and formats of these data are different, in order to improve the work efficiency of data processing and interest calculation, it is necessary to perform denoising, normalization and/or format conversion processing on the obtained data according to the needs of practical applications, that is, in an optional implementation manner of this embodiment, the preprocessing may include one or more of the following processes: denoising, normalization and format conversion.
In an optional implementation manner of this embodiment, the apparatus may further include a target object value output module configured to output the target object value.
Considering that the target object value can be applied or displayed by different business parties, the target object value output module can modify the display form of the target object value according to the needs of different business parties and then output the target object value, for example, the target object value can be placed in different data templates and output to different business parties.
Fig. 7 is a block diagram illustrating a structure of an electronic device according to an embodiment of the present invention, and as shown in fig. 7, the electronic device 700 includes a memory 701 and a processor 702; wherein the content of the first and second substances,
the memory 701 is configured to store one or more computer instructions, which are executed by the processor 702 to implement any of the method steps described above.
Fig. 8 is a schematic block diagram of a computer system suitable for implementing an object calculation method according to an embodiment of the present invention.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 which can execute various processes in the above-described embodiments according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the system 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
In particular, the above described method may be implemented as a computer software program according to an embodiment of the present invention. For example, embodiments of the present invention include a computer program product comprising a computer program tangibly embodied on and readable medium thereof, the computer program comprising program code for performing the object computing method. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 809 and/or installed from the removable medium 811.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware. The units or modules described may also be provided in a processor, and the names of the units or modules do not in some cases constitute a limitation of the units or modules themselves.
As another aspect, an embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium may be a computer-readable storage medium included in the apparatus in the foregoing embodiment; or it may be a separate computer readable storage medium not incorporated into the device. The computer readable storage medium stores one or more programs for use by one or more processors in performing the methods described in embodiments of the invention.
The foregoing description is only exemplary of the preferred embodiments of the invention and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the invention according to the embodiments of the present invention is not limited to the specific combination of the above-mentioned features, but also encompasses other embodiments in which any combination of the above-mentioned features or their equivalents is made without departing from the inventive concept. For example, the above features and (but not limited to) features with similar functions disclosed in the embodiments of the present invention are replaced with each other to form a technical solution.
Claims (10)
1. An object calculation method, comprising:
acquiring a historical object calculation parameter set, wherein the historical object calculation parameter set comprises: a historical object calculation base value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining a target object calculation basic value and a target object calculation equivalent value of the target calculation time unit according to the judgment result;
calculating according to the target object calculation equivalent value and an object calculation coefficient of a target calculation time unit to obtain a target object value;
the judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the target object calculation basic value and the target object calculation equivalent value of the target calculation time unit according to the judging result, comprises:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalence value and the target object calculation base value as the target object calculation equivalence value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basis value as the target object calculation basis value, and determining the target object calculation basis value as the target object calculation equivalent value;
the calculating according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit to obtain the target object value comprises the following steps:
multiplying the target object calculation equivalence value by an object calculation coefficient of a target calculation time unit;
the resulting product is confirmed as the target object value.
2. The method of claim 1, wherein the historical object computation equivalence value is a product of the historical object computation base value and a historical computation time unit duration number with a same historical object computation coefficient.
3. The method of claim 1 or 2, further comprising:
and calculating and outputting the object cumulative value according to the judgment result.
4. The method of claim 3, wherein calculating and outputting a cumulative object value according to the determination result comprises:
acquiring a second historical object value before the previous calculation time unit;
when the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating the sum of the target object value and the second history object value, and outputting the obtained sum value as the object accumulated value;
when the target calculation coefficient of the target calculation time unit is different from the history target calculation coefficient, the second history target value is updated to the sum of the first history target value and the second history target value, and the sum of the target value and the updated second history target value is output as the target integrated value.
5. An object computing apparatus, comprising:
an obtaining module configured to obtain a set of historical object calculation parameters, wherein the set of historical object calculation parameters includes: a historical object calculation basic value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit;
the determining module is configured to judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine a target object calculation basic value and a target object calculation equivalent value of the target calculation time unit according to the judgment result;
the calculation module is configured to calculate a target object value according to the target object calculation equivalent value and an object calculation coefficient of a target calculation time unit;
the determination module is configured to:
judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient or not;
determining the historical object calculation base value as the target object calculation base value and determining the sum of the historical object calculation equivalence value and the target object calculation base value as the target object calculation equivalence value when the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;
when the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, determining the historical object calculation basic value as the target object calculation basic value, and determining the target object calculation basic value as the target object calculation equivalent value;
the calculation module comprises:
a calculation sub-module configured to multiply the target object calculation equivalence value and an object calculation coefficient of a target calculation time unit;
a validation submodule configured to validate the resulting product as a target object value.
6. The apparatus of claim 5, wherein the historical object computation equivalence value is a product of the historical object computation base value and a historical computation time unit duration number with a same historical object computation coefficient.
7. The apparatus of claim 5 or 6, further comprising:
and the output module is configured to calculate and output the object accumulated value according to the judgment result.
8. The apparatus of claim 7, wherein the output module is configured to:
acquiring a second historical object value before the previous calculation time unit;
when the object calculation coefficient of the target calculation time unit is the same as the history object calculation coefficient, calculating the sum of the target object value and the second history object value, and outputting the obtained sum value as the object accumulated value;
when the object calculation coefficient of the target calculation time unit is not the same as the history object calculation coefficient, the second history object value is updated to the sum of the first history object value and the second history object value, and the sum of the target object value and the updated second history object value is output as the object cumulative value.
9. An electronic device comprising a memory and a processor; wherein the content of the first and second substances,
the memory is configured to store one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement the method steps of any of claims 1-4.
10. A computer-readable storage medium having stored thereon computer instructions, which, when executed by a processor, carry out the method steps of any one of claims 1 to 4.
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| JP2003006432A (en) * | 2001-06-20 | 2003-01-10 | Bank Of Tokyo-Mitsubishi Ltd | Price calculating method for interest swap including prepayment risk, program, and recording medium |
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