CN109584080A - The finance product methods of figuring interest and system on a kind of line - Google Patents
The finance product methods of figuring interest and system on a kind of line Download PDFInfo
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- CN109584080A CN109584080A CN201811489223.3A CN201811489223A CN109584080A CN 109584080 A CN109584080 A CN 109584080A CN 201811489223 A CN201811489223 A CN 201811489223A CN 109584080 A CN109584080 A CN 109584080A
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- 238000000034 method Methods 0.000 title claims abstract description 18
- 238000007519 figuring Methods 0.000 title claims abstract description 16
- 230000009286 beneficial effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- General Business, Economics & Management (AREA)
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Abstract
The invention discloses the finance product methods of figuring interest on a kind of line and interest-bearing systems.This method comprises the following steps: obtaining the user account financing data deposit database for establishing contract, and establishes interest-bearing algorithm model, the user account financing data include the amount of money of bought finance product, year earning rate, and the time buying specific to the second；Receive the inquiry request of user terminal, the corresponding user account financing data of the user are obtained from database, in conjunction with the current time for being accurate to the second of the inquiry request, the current financing income of the user is calculated using the interest-bearing algorithm model, which is fed back into user terminal.The interest-bearing system, comprising: processor and the database being connected to the processor, communication unit and timing unit.Using the interest-bearing system of the finance product methods of figuring interest on a kind of line of technical solution of the present invention, financing user can inquire the financing income for being accurate to the second of purchased finance product at any time, user experience can be greatly improved, so that user be attracted to buy financing, and becomes loyal client.
Description
Technical field
The present invention relates to financing interest-bearing technical fields, and in particular to a kind of methods of figuring interest and interest-bearing system more particularly to one
The finance product methods of figuring interest and system on kind line.
Background technique
Finance product mostly uses greatly T+0 T+1 mode to bear interest clearing on current line.It is formally invested to since user
This period of interest-bearing, the fund of user are not generate income.In T+1 mode as an example, the fund of user is at least at 24 hours
Income will not inside be generated.For customer-side, although this income actually and less, can allow some users
Impression is not so good, or even feels to be got off cheap by bank.For the angle of bank, although being born interest using T+0 T+1 mode
Clearing are scientific and reasonable, but if slight income can be conceded, customer acquisition are allowed more preferably to experience, and are actually drawn very much
It calculates.Based on the above reasons, the existing methods of figuring interest and interest-bearing system also need to improve.
Summary of the invention
The first technical problem to be solved by the present invention is to provide the finance product methods of figuring interest on a kind of line, preferably to mention
Rise user experience.
In order to solve the above technical problems, the present invention adopts the following technical scheme:
The finance product methods of figuring interest on a kind of line, which is characterized in that the methods of figuring interest includes the following steps:
S1), the user account financing data deposit database for establishing contract is obtained, and establishes interest-bearing algorithm model, it is described
User account financing data include the amount of money of bought finance product, year earning rate, and the time buying specific to the second；
S2), the inquiry request for receiving user terminal obtains the corresponding user account financing data of the user, knot from database
The current time for being accurate to the second for closing the inquiry request calculates the current financing of the user using the interest-bearing algorithm model
The current financing income is fed back to user terminal by income.
In preferred technical solution, the current financing income in the step S2 includes that the accumulative financing of current point in time is received
Benefit further includes the instant financing earning rate of current point in time.
The second technical problem to be solved by the present invention is accordingly to provide finance product interest-bearing system on a kind of line, with more preferable
Promotion user experience.
In order to solve the above technical problems, the present invention adopts the following technical scheme:
Finance product interest-bearing system on a kind of line, comprising: processor and the database being connected to the processor, communication are single
Member and timing unit, processor obtains the user account financing data deposit database for establishing contract by communication unit, and builds
Vertical interest-bearing algorithm model, the user account financing data include the amount of money of bought finance product, year earning rate, and specific
To the time buying of second；Processor receives the inquiry request of user terminal by communication unit, and it is corresponding to obtain the user from database
User account data of managing money matters the current time for being accurate to the second is obtained from timing unit in conjunction with the inquiry request, using described
Interest-bearing algorithm model calculates the current financing income of the current time of the user, which is fed back to user
End.
In preferred technical solution, the current financing income includes the accumulative financing income of current point in time, further includes
The instant financing earning rate of current point in time.
The beneficial effects of the present invention are:
Using the interest-bearing system of the finance product methods of figuring interest on a kind of line of technical solution of the present invention, the user that manages money matters can be with
The financing income for being accurate to the second for inquiring purchased finance product at any time, can greatly improve user experience, so that user be attracted to buy
Financing, and become loyal client.
Specific embodiment
The finance product methods of figuring interest on a kind of line that present embodiment provides, includes the following steps:
S1), the user account financing data deposit database for establishing contract is obtained, and establishes interest-bearing algorithm model, it is described
User account financing data include the amount of money of bought finance product, year earning rate, and the time buying specific to the second；
S2), the inquiry request for receiving user terminal obtains the corresponding user account financing data of the user, knot from database
The current time for being accurate to the second for closing the inquiry request calculates the current financing of the user using the interest-bearing algorithm model
The current financing income is fed back to user terminal by income.
In preferred technical solution, the current financing income in the step S2 includes that the accumulative financing of current point in time is received
Benefit further includes the instant financing earning rate of current point in time.
Present embodiment provide a kind of line on finance product interest-bearing system, comprising: processor and with the processing
Database, communication unit and the timing unit of device connection, processor obtain the user account reason for establishing contract by communication unit
Wealth data are stored in database, and establish interest-bearing algorithm model, and the user account financing data include bought finance product
The amount of money, year earning rate, and the time buying specific to the second；Processor receives the inquiry request of user terminal by communication unit,
The corresponding user account financing data of the user are obtained from database to obtain from timing unit accurate in conjunction with the inquiry request
To the current time of second, the current financing income of the current time of the user is calculated using the interest-bearing algorithm model, by this
Current financing income feeds back to user terminal.
Using the interest-bearing system of the finance product methods of figuring interest on a kind of line of specific embodiment of the invention technical solution,
Financing user can inquire the financing income for being accurate to the second of purchased finance product at any time, can greatly improve user experience, thus
Attract user to buy financing, and becomes loyal client.
The above content is a further detailed description of the present invention in conjunction with specific preferred embodiments, and it cannot be said that
Specific implementation of the invention is only limited to these instructions.For those of ordinary skill in the art to which the present invention belongs, exist
Under the premise of not departing from present inventive concept, a number of simple deductions or replacements can also be made, all shall be regarded as belonging to of the invention
Protection scope.
Claims (4)
1. the finance product methods of figuring interest on a kind of line, which is characterized in that the methods of figuring interest includes the following steps:
S1), the user account financing data deposit database for establishing contract is obtained, and establishes interest-bearing algorithm model, the user
Account financing data include the amount of money of bought finance product, year earning rate, and the time buying specific to the second；
S2), the inquiry request for receiving user terminal obtains the corresponding user account financing data of the user from database, in conjunction with institute
It states inquiry request and obtains the current time for being accurate to the second, received using the current financing that the interest-bearing algorithm model calculates the user
The current financing income is fed back to user terminal by benefit.
2. the finance product methods of figuring interest on a kind of line as described in claim 1, which is characterized in that current in the step S2
Financing income includes the accumulative financing income of current point in time, further includes the instant financing earning rate of current point in time.
3. finance product interest-bearing system on a kind of line, comprising: processor and the database being connected to the processor, communication unit
And timing unit, processor obtains the user account financing data deposit database for establishing contract by communication unit, and establishes
Interest-bearing algorithm model, user account financing data include the amount of money of bought finance product, year earning rate, and specific to
The time buying of second；Processor receives the inquiry request of user terminal by communication unit, and it is corresponding to obtain the user from database
User account financing data obtain the current time for being accurate to the second from timing unit, utilize the meter in conjunction with the inquiry request
Breath algorithm model calculates the current financing income of the user, which is fed back to user terminal.
4. finance product interest-bearing system on a kind of line as claimed in claim 3, which is characterized in that the current financing income packet
The accumulative financing income for including current point in time further includes the instant financing earning rate of current point in time.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811489223.3A CN109584080A (en) | 2018-12-06 | 2018-12-06 | The finance product methods of figuring interest and system on a kind of line |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811489223.3A CN109584080A (en) | 2018-12-06 | 2018-12-06 | The finance product methods of figuring interest and system on a kind of line |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109584080A true CN109584080A (en) | 2019-04-05 |
Family
ID=65926495
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811489223.3A Pending CN109584080A (en) | 2018-12-06 | 2018-12-06 | The finance product methods of figuring interest and system on a kind of line |
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|---|---|
| CN (1) | CN109584080A (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101216922A (en) * | 2007-12-28 | 2008-07-09 | 中国工商银行股份有限公司 | A system and method for real time ultra-short term financing |
| CN103065262A (en) * | 2012-12-25 | 2013-04-24 | 远光软件股份有限公司 | Processing method for modeling bank interest rate adjustment data |
| CN103985052A (en) * | 2014-05-29 | 2014-08-13 | 中国农业银行股份有限公司 | Interest settlement system and method |
| CN107220893A (en) * | 2017-06-12 | 2017-09-29 | 北京金未来金融信息服务有限公司 | A kind of the platform methods of figuring interest and its control system |
| CN108376369A (en) * | 2018-01-29 | 2018-08-07 | 深圳前海微众银行股份有限公司 | Finance and money management Products Show method, equipment, system and storage medium |
| CN108694656A (en) * | 2018-07-12 | 2018-10-23 | 太仓煜和网络科技有限公司 | A kind of financing platform based on artificial intelligence |
-
2018
- 2018-12-06 CN CN201811489223.3A patent/CN109584080A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101216922A (en) * | 2007-12-28 | 2008-07-09 | 中国工商银行股份有限公司 | A system and method for real time ultra-short term financing |
| CN103065262A (en) * | 2012-12-25 | 2013-04-24 | 远光软件股份有限公司 | Processing method for modeling bank interest rate adjustment data |
| CN103985052A (en) * | 2014-05-29 | 2014-08-13 | 中国农业银行股份有限公司 | Interest settlement system and method |
| CN107220893A (en) * | 2017-06-12 | 2017-09-29 | 北京金未来金融信息服务有限公司 | A kind of the platform methods of figuring interest and its control system |
| CN108376369A (en) * | 2018-01-29 | 2018-08-07 | 深圳前海微众银行股份有限公司 | Finance and money management Products Show method, equipment, system and storage medium |
| CN108694656A (en) * | 2018-07-12 | 2018-10-23 | 太仓煜和网络科技有限公司 | A kind of financing platform based on artificial intelligence |
Non-Patent Citations (1)
| Title |
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| HELENSUN: "类活期理财、秒级计息，为大多数懒人服务的理财产品应该什么样儿？", pages 1 - 3, Retrieved from the Internet <URL:https://www.tmtpost.com/2562313.html> * |
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