CN111192138A - Interest-counting processing method, device and equipment for transaction data - Google Patents
Interest-counting processing method, device and equipment for transaction data Download PDFInfo
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- CN111192138A CN111192138A CN201911350909.9A CN201911350909A CN111192138A CN 111192138 A CN111192138 A CN 111192138A CN 201911350909 A CN201911350909 A CN 201911350909A CN 111192138 A CN111192138 A CN 111192138A
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Abstract
The embodiment of the invention discloses a method, a device and equipment for processing interest bearing of transaction data, relating to the technical field of credit payment, wherein the device comprises the following steps: the account management unit is used for establishing at least one service type account for the target user; a balance unit, configured to store current balance information of the at least one service type account; the transaction unit is used for storing the generation amount change information of the at least one service type account; and the control processing unit is used for carrying out information according to the generated amount change information and preset information rule information. The invention does not need interest back calculation, thereby improving the calculation speed and the calculation precision.
Description
Technical Field
The embodiment of the invention relates to the technical field of credit payment, in particular to an interest-bearing processing method, device and equipment of transaction data.
Background
The credit payment is a payment mode that the payment of the goods is managed and supervised by a third party with good strength and high public reliability in the transaction process, and the credit payment guarantees the fairness and the safety of the buyer and the seller in the transaction process.
Currently, in a credit payment scheme, the financial settlement transaction is charged by calculating interest according to balance. When the interest is charged, the interest is calculated back according to whether the transaction date and the current posting date are the same. If the cardholder consumes for a day A, but the posting time is A +2 days, the interest is calculated according to the time from consumption to posting, and then the interest is calculated according to the day, so that the transaction interest of the credit cardholder can be accurately calculated. This mode of interest causes the processing of interest to be very complex because of the numerous accounting links involved. Furthermore, understanding the existing solutions, secondary modifications, can be very difficult due to the complexity of interest.
Disclosure of Invention
The embodiment of the invention aims to provide an interest-bearing processing method, device and equipment for transaction data, which are used for solving the problems that in the existing payment scheme, the financial clearing transaction data is complex in interest bearing and difficult to reconstruct for the second time in a credit card service scene.
In order to achieve the above object, the embodiments of the present invention mainly provide the following technical solutions:
in a first aspect, an embodiment of the present invention provides an interest-bearing processing apparatus for transaction data, including: the account management unit is used for establishing at least one service type account for the target user; a balance unit, configured to store current balance information of the at least one service type account; the transaction unit is used for storing the generation amount change information of the at least one service type account; and the control processing unit is used for carrying out information according to the generated amount change information and preset information rule information.
According to an embodiment of the invention, the control processing unit is configured to calculate interest of each service type account in an interest statistics period, and further collect the interest of all service type accounts in the interest statistics period to obtain a total interest.
According to one embodiment of the invention, the control processing unit calculates interest for each transaction for each traffic type account during the interest statistic period according to the following formula: interest-change amount annual rate days annual rate interest factor.
According to one embodiment of the invention, the device further comprises a display unit; the control processing unit is also used for acquiring target interest information according to the received interest detail query information and displaying the target interest information through the display unit.
According to an embodiment of the present invention, the interest detail inquiry information includes interest details of the target business type account in the interest statistics time period, and the display unit is configured to display the interest details of each transaction of the target business type account in the interest statistics time period.
According to one embodiment of the invention, the at least one transaction type account includes at least one of a consumption account, a cash withdrawal account, an installment account, and a consumption loan account.
In a second aspect, an embodiment of the present invention further provides an interest-bearing processing method for transaction data, including the apparatus for transaction data interest-bearing processing described in the first aspect, where the method for transaction data interest-bearing processing includes: receiving interest statistic information, wherein the interest statistic information comprises the interest statistic time period and all service type accounts of the target user; acquiring the generation amount change information of all business type accounts in the interest statistic time period according to the interest statistic information; and obtaining the total interest of the target user according to the generation amount change information of all target business type accounts in the interest statistic time period.
According to an embodiment of the present invention, further comprising: receiving interest detail query information, wherein the interest detail query information comprises the interest statistic time period and a target service type account; obtaining interest details of each transaction of the target business type account in the interest statistic time period according to the interest detail query information; and displaying interest details of each transaction of the target business type account in the interest statistic time period.
In a third aspect, an embodiment of the present invention further provides an electronic device, including: at least one processor and at least one memory; the memory is to store one or more program instructions; the processor is configured to execute one or more program instructions to execute the method for processing transaction data according to the second aspect.
In a fourth aspect, the present invention also provides a computer-readable storage medium containing one or more program instructions for executing the method for processing transaction data according to the second aspect.
The technical scheme provided by the embodiment of the invention at least has the following advantages:
the interest-bearing processing method, the device and the equipment for providing the transaction data provided by the embodiment of the invention do not need interest-bearing back calculation, so that the calculation speed and the calculation precision can be improved, and the transaction-level interest bearing can be realized without excessively increasing the system overhead. In addition, the interest calculation process and the result can be displayed through the generation amount information recorded by the transaction unit information according to the query condition input by the user, and the finest granularity can be displayed for each transaction interest.
Drawings
Fig. 1 is a block diagram of an apparatus for processing transaction data interest according to an embodiment of the present invention.
Fig. 2 is a flowchart of an interest-bearing transaction data processing method according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention is provided for illustrative purposes, and other advantages and effects of the present invention will become apparent to those skilled in the art from the present disclosure.
In the following description, for purposes of explanation and not limitation, specific details are set forth such as particular system structures, interfaces, techniques, etc. in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In the description of the present invention, it is to be understood that the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
In the description of the present invention, it is to be noted that, unless otherwise explicitly specified or limited, the terms "connected" and "connected" are to be interpreted broadly, e.g., as meaning directly connected or indirectly connected through an intermediate. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
Fig. 1 is a block diagram of an apparatus for processing transaction data interest according to an embodiment of the present invention. As shown in fig. 1, the apparatus for processing transaction data according to the embodiment of the present invention includes: account management unit 100, balance unit 200, transaction unit 300 and control processing unit 400.
The account management unit 100 is configured to establish at least one service type account for a target user.
Specifically, the account management unit 100 opens a corresponding service type account for the target user according to the service that the target user opens at the operation service end.
In one embodiment of the present invention, the at least one business type account includes at least one of a consumption account, a cash withdrawal account, an installment account and a consumption loan account. Each business type account has corresponding interest calculation rules.
The balance unit 200 is used for storing the current balance information of the service type account opened by the target user. Such as the target user opening a consumption account and a cash-out account. The balance unit 200 stores information such as the current remaining amount and the balance type of the consumption account, and the balance unit 200 also stores information such as the current remaining amount and the balance type of the cash-out account.
The transaction unit 300 is configured to store the generation amount change information of the service type account provisioned by the target user. The amount change information includes information such as transaction amount and date of interest.
Specifically, when a target user uses a credit card to perform a financial transaction, the transaction unit 300 records transaction-related information, the core fields include a transaction amount, a loan direction, a charge date, and the like, no interest accumulation calculation process is required during transaction posting, and the transaction unit 300 obtains the occurrence amount change information according to the transaction amount of the current transaction information. The financial transaction includes all financial scenarios such as consumption, cash withdrawal, return, repayment and dispute.
In one example of the invention, the target user's consumption account has consumed one consumption in X days, and the consumption amount is 1000 yuan. At this time, the consumption amount of 1000 Yuan is the transaction occurrence amount, and the X +1 day is the starting date.
In another example of the present invention, the cash withdrawal account of the target user has a cash withdrawal that occurs on day X +5, and the cash withdrawal amount is 2000 dollars. At this time, the withdrawal amount is 2000 Yuan, which is the transaction occurrence amount, and X +6 days are the rest date.
The control processing unit 400 is used for carrying out the interest according to the occurrence amount change information and the preset interest rule information stored in the transaction unit 300.
In an embodiment of the present invention, the control processing unit 400 is specifically configured to calculate interest of each service type account in an interest statistics period, and further aggregate the interest of all service type accounts in the interest statistics period to obtain a total interest.
Specifically, when each business type account of the target user is at the interest-bearing date, the interest coverage is all balances under the account. In the embodiment of the present invention, the control processing unit 400 calculates interest from transaction information (amount change information) in each balance to account, and obtains account settlement interest by summarizing.
Illustratively, the interest statistic time interval is the last month, and the control processing unit 400 is configured to obtain the transaction condition of each business type account of the target user in the last month, that is, obtain the occurrence amount change information of each business type account from the transaction unit 300.
In one embodiment of the invention, control processing unit 400 calculates interest for each transaction for each business type account during the interest statistic period according to the following formula:
interest-change amount annual rate days annual rate interest factor.
In one example of the invention, the target user's consumption account has consumed one time in 3 days of the last month, and the consumption amount is 1000 yuan. The consumption user of the target user has a payment in 11 days of the last month, the consumption amount is 500 yuan, the target user has a transaction in 18 days of the last month, and the consumption amount is 500 yuan.
If the settlement interest date is the first day of the month and the last month is 31 days, the consumption account of the target user comprises three interest in the last month.
In one example of the present invention, the annual rate of the consuming account is 5%, the interest factor of the annual rate is 1/365 balance, 0.027, and the interest score of the consuming account of the target user in the last three times of consumption of the month is 1000 × 5% 28 × 0.027, 500 × 5% 20 × 0.027, and 500 × 5% 13 × 0.027, totaling 60.08(37.8+13.5+8.78) dollars.
The target user has a cash withdrawal account of the target user for one cash withdrawal in 8 days except for the transaction (the generated amount is changed) of the consumption account of the last month, and the cash withdrawal amount is 2000 yuan.
In one example of the present invention, the annual rate of the account of the current user is 6%, the interest factor of the annual rate is 1/365 balance and is 0.027, and the interest of the consumption account of the target user consumed three times in the last month is 2000 x 6% 23 x 0.027, and the total amount is 74.52 yuan.
The total interest for the target user's transactions (consumption and cash-out) in the last month is 134.6(60.08+74.52) dollars.
In one embodiment of the invention, the apparatus for processing transaction data into account further comprises a display unit. The control processing unit 400 is further configured to obtain the target interest information according to the received interest detail query information, and display the target interest information through the display unit.
Specifically, when the target user queries interest through the interest processing device for transaction data, the query condition input by the target user of the interest processing device for transaction data of the invention obtains corresponding information, and the interest calculation process and the interest calculation result are displayed through the display unit. The displayed content comprises the occurrence amount information of the information record of the transaction unit, and the finest granularity can be displayed to each transaction interest.
Further, the interest detail query information comprises interest details of the target business type account in the interest statistics time period, and the display unit is used for displaying the interest details of each transaction of the target business type account in the interest statistics time period.
In an example of the present invention, the interest statistic time period is the last month, and the target business type account is the consumption account, the control processing unit 400 displays the interest detail of each transaction of the consumption account of the target user in the last month through the display unit, that is, one consumption occurs in 3 days of the last month, the consumption amount is 1000 yuan, and the interest is 37.8 yuan; the consuming user of the target user pays for 11 days in the last month, the consumption amount is 500 yuan, and the interest is 13.5 yuan; the target user has a transaction at 18 days of the last month, the consumption amount is 500 yuan, and the interest is 8.78 yuan.
The interest processing device for providing the transaction data provided by the embodiment of the invention does not need interest return calculation, thereby improving the calculation speed and the calculation precision and realizing the interest calculation of the transaction level without increasing the system overhead too much. In addition, the interest calculation process and the result can be displayed through the generation amount information recorded by the transaction unit information according to the query condition input by the user, and the finest granularity can be displayed for each transaction interest. Fig. 2 is a flowchart of an interest-bearing transaction data processing method according to an embodiment of the present invention. As shown in fig. 2, the interest-bearing processing method for transaction data according to the embodiment of the present invention includes the above-described interest-bearing processing apparatus for transaction data, and includes:
s1: interest statistics are received. The interest statistic information comprises an interest statistic time period and all service type accounts of the target user.
S2: and acquiring the generation amount change information of all the business type accounts in the interest statistic time period according to the interest statistic information.
S3: and obtaining the total interest of the target user according to the generation amount change information of all the target service type accounts in the interest statistic time period.
In one example of the invention, the target user's consumption account has consumed one time in 3 days of the last month, and the consumption amount is 1000 yuan. The consumption user of the target user has a payment in 11 days of the last month, the consumption amount is 500 yuan, the target user has a transaction in 18 days of the last month, and the consumption amount is 500 yuan.
The cash-withdrawing account of the target user has one cash-withdrawing in 8 days, and the cash-withdrawing amount is 2000 yuan.
If the settlement interest date is the first day of the month and the last month is 31 days, the consumption account of the target user comprises three interest in the last month. The cash-out account of the target user includes an interest in the last month.
In one example of the present invention, the annual rate of the consuming account is 5%, the interest factor of the annual rate is 1/365 balance, 0.027, and the interest score of the consuming account of the target user in the last three times of consumption of the month is 1000 × 5% 28 × 0.027, 500 × 5% 20 × 0.027, and 500 × 5% 13 × 0.027, totaling 60.08(37.8+13.5+8.78) dollars.
In one example of the present invention, the annual rate of the account of the current user is 6%, the interest factor of the annual rate is 1/365 balance and is 0.027, and the interest of the consumption account of the target user consumed three times in the last month is 2000 x 6% 23 x 0.027, and the total amount is 74.52 yuan.
The total interest for the target user's transactions (consumption and cash-out) in the last month is 134.6(60.08+74.52) dollars.
In an embodiment of the present invention, the interest-bearing processing method of transaction data further includes:
s4: and receiving interest detail inquiry information. The interest inquiry detail information comprises an interest statistic time period and a target business type account.
S5: and obtaining interest details of each transaction of the target business type account in the interest statistic time period according to the interest detail query information.
S6: the interest details for each transaction of the target business type account during the interest statistics period are displayed.
In an example of the present invention, the interest statistic time period is the last month, and the target business type account is the consumption account, the control processing unit 400 displays the interest detail of each transaction of the consumption account of the target user in the last month through the display unit, that is, one consumption occurs in 3 days of the last month, the consumption amount is 1000 yuan, and the interest is 37.8 yuan; the consuming user of the target user pays for 11 days in the last month, the consumption amount is 500 yuan, and the interest is 13.5 yuan; the target user has a transaction at 18 days of the last month, the consumption amount is 500 yuan, and the interest is 8.78 yuan.
An embodiment of the present invention provides an electronic device, including: at least one processor and at least one memory; the memory is to store one or more program instructions; the processor is configured to execute one or more program instructions to perform the method for processing transaction data according to the first aspect.
An embodiment of the present invention provides a computer-readable storage medium having stored therein computer program instructions, which, when run on a computer, cause the computer to execute the above-mentioned method of processing transaction data into account.
In an embodiment of the invention, the processor may be an integrated circuit chip having signal processing capability. The Processor may be a general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete Gate or transistor logic device, discrete hardware component.
The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The processor reads the information in the storage medium and completes the steps of the method in combination with the hardware.
The storage medium may be a memory, for example, which may be volatile memory or nonvolatile memory, or which may include both volatile and nonvolatile memory.
The nonvolatile Memory may be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable PROM (EEPROM), or a flash Memory.
The volatile Memory may be a Random Access Memory (RAM) which serves as an external cache. By way of example and not limitation, many forms of RAM are available, such as Static random access memory (Static RAM, SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (ddr Data Rate SDRAM), enhanced SDRAM (enhanced SDRAM, ESDRAM), synclink DRAM (SLDRAM), and Direct Rambus RAM (DRRAM).
The storage media described in connection with the embodiments of the invention are intended to comprise, without being limited to, these and any other suitable types of memory.
Those skilled in the art will appreciate that the functionality described in the present invention may be implemented in a combination of hardware and software in one or more of the examples described above. When software is applied, the corresponding functionality may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.
The above-mentioned embodiments, objects, technical solutions and advantages of the present invention are further described in detail, it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made on the basis of the technical solutions of the present invention should be included in the scope of the present invention.
Claims (10)
1. An interest-bearing transaction data processing apparatus, comprising:
the account management unit is used for establishing at least one service type account for the target user;
a balance unit, configured to store current balance information of the at least one service type account;
the transaction unit is used for storing the generation amount change information of the at least one service type account;
and the control processing unit is used for carrying out information according to the generated amount change information and preset information rule information.
2. The interest processing apparatus of transaction data according to claim 1, wherein the control processing unit is configured to calculate interest of each service type account in an interest statistics period, and further aggregate the interest of all service type accounts in the interest statistics period to obtain a total interest.
3. An interest processing apparatus according to claim 2, wherein the control processing unit calculates interest for each transaction type account during the interest statistic period according to the following formula:
interest-change amount annual rate days annual rate interest factor.
4. An interest processing apparatus for transaction data according to claim 3, further comprising a display unit; the control processing unit is also used for acquiring target interest information according to the received interest detail query information and displaying the target interest information through the display unit.
5. The interest processing apparatus of transaction data according to claim 4, wherein the interest detail query message includes an interest detail of the target business type account during the interest statistics time period, and the display unit is configured to display the interest detail of each transaction of the target business type account during the interest statistics time period.
6. An apparatus for processing transaction data interest according to any of claims 1-5, wherein the at least one transaction type account comprises at least one of a consumption account, a withdrawal account, an installment account and a consumption loan account.
7. An interest-bearing processing method of transaction data, comprising the interest-bearing processing apparatus of transaction data according to claim 1, the interest-bearing processing method of transaction data comprising:
receiving interest statistic information, wherein the interest statistic information comprises the interest statistic time period and all service type accounts of the target user;
acquiring the generation amount change information of all business type accounts in the interest statistic time period according to the interest statistic information;
and obtaining the total interest of the target user according to the generation amount change information of all target business type accounts in the interest statistic time period.
8. The interest bearing processing method of transaction data according to claim 7, further comprising:
receiving interest detail query information, wherein the interest detail query information comprises the interest statistic time period and a target service type account;
obtaining interest details of each transaction of the target business type account in the interest statistic time period according to the interest detail query information;
and displaying interest details of each transaction of the target business type account in the interest statistic time period.
9. An electronic device, characterized in that the electronic device comprises: at least one processor and at least one memory;
the memory is to store one or more program instructions;
the processor, operable to execute one or more program instructions to perform the method of interest processing of transaction data according to claim 7 or 8.
10. A computer readable storage medium containing one or more program instructions for performing the method of interest processing of transaction data according to claim 7 or 8.
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| CN112419066A (en) * | 2020-12-10 | 2021-02-26 | 上海找钢网信息科技股份有限公司 | Interest counting method, device, equipment and medium based on trade |
| CN112561689A (en) * | 2020-12-23 | 2021-03-26 | 平安银行股份有限公司 | Transaction data recording processing method, device, equipment and storage medium |
| CN112561689B (en) * | 2020-12-23 | 2024-05-14 | 平安银行股份有限公司 | Transaction data recording processing method, device, equipment and storage medium |
| CN113159912A (en) * | 2021-04-29 | 2021-07-23 | 中国工商银行股份有限公司 | Method and device for outputting inverted rest and positive rest by using electronic equipment |
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