CN111353878A - Multi-account merged charging method and device, computer equipment and readable storage medium - Google Patents
Multi-account merged charging method and device, computer equipment and readable storage medium Download PDFInfo
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- CN111353878A CN111353878A CN202010245835.9A CN202010245835A CN111353878A CN 111353878 A CN111353878 A CN 111353878A CN 202010245835 A CN202010245835 A CN 202010245835A CN 111353878 A CN111353878 A CN 111353878A
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Abstract
The present disclosure relates to the field of interest, and in particular, to a method and an apparatus for merging multiple accounts, a computer device, and a readable storage medium, where the method includes: calculating the total average balance of all the combined interest accounts in the same user group; determining a pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, wherein the pricing interest rate table stores a relation between a money range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of each combined interest account in the user group; and charging all combined interest accounts under the user group according to the pricing interest rate corresponding to the total average balance. The method and the system can simplify interest management of a plurality of accounts in the same user group, improve user experience and improve interest income of the user.
Description
Technical Field
The present disclosure relates to the field of bank interest metering, and in particular, to a method and an apparatus for merging multiple accounts, a computer device, and a computer-readable storage medium.
Background
The existing public deposit business is charged according to a single account, each account in a plurality of accounts of the same user is independent, and the interest rate of each account has no relevance. For banks, setting the interest rate of each account and calculating the interest of each account for a plurality of accounts of the same user respectively has the defect of inconvenient management, and the requirement of the user for simultaneously managing the plurality of accounts cannot be met. For users, the method has the defects of complex management and inconvenience in calculating profits, and the method has the defect of low profits in account-based interest counting.
Disclosure of Invention
The method is used for solving the defects that in the prior art, no correlation exists among account information, the management is inconvenient, and the requirement of a user on the management of a plurality of accounts at the same time cannot be met.
As a first aspect herein, there is provided a multi-account consolidated charges method comprising:
calculating the total average balance of all the combined interest accounts in the same user group;
determining a pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, wherein the pricing interest rate table stores a relation between a money amount range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of each combined interest account in the user group;
and charging all combined interest accounts under the user group according to the pricing interest rate corresponding to the total average balance.
In a further embodiment of this document, determining a pricing interest rate corresponding to the overall mean balance by using a pricing interest rate table according to the overall mean balance includes:
searching an amount range i in which the total average balance is positioned in the pricing interest table;
searching the pricing interest rate X corresponding to the money range i in the pricing interest rate tableiSaid pricing interest rate XiAnd the pricing interest rate is corresponding to the total average balance.
In a further embodiment of this document, after calculating the total average balance of all consolidated interest bearing accounts in the same user group, the method further includes:
comparing the total average balance with a predetermined value;
if the total average balance is larger than the preset value, determining the pricing rate corresponding to the total average balance by using a pricing rate table according to the total average balance;
and if the total average balance is less than or equal to the preset value, charging according to the original interest rate of each combined interest account of the user group.
In a further embodiment of this document, after determining the pricing interest rate corresponding to the total mean balance by using the pricing interest rate table according to the total mean balance, the method further includes:
judging whether the pricing interest rate corresponding to the total average balance is smaller than the interest rate of the interest-calculating day;
if so, charging all combined charging accounts of the user group according to the pricing interest rate corresponding to the total average balance;
and if the judgment result is negative, charging all combined charging accounts under the user group according to the daily reference interest rate of the charging.
In further embodiments herein, the pricing rates in the pricing rate table are calculated by the following formula:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
In further embodiments herein, the reference interest rates include: internal bank funds transfer pricing.
As a second aspect herein, there is provided a multi-account consolidated account apparatus comprising:
the average value calculation module is used for calculating the total average value balance of all the combined interest-bearing accounts in the same user group;
the interest rate calculation module is used for determining the pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, wherein the pricing interest rate table stores the relation between a money amount range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of all combined interest accounts under the user group;
and the interest charging module is used for charging all combined interest charging accounts under the user group according to the pricing interest rate corresponding to the total average balance.
As a further embodiment herein, the interest rate calculation module comprises: a first searching unit, configured to search, in the pricing interest rate table, an amount range i in which the total average balance is located;
a second searching unit, configured to search the pricing interest rate X corresponding to the money amount range i in the pricing interest rate tableiSaid pricing interest rate XiAnd the pricing interest rate is corresponding to the total average balance.
As a further embodiment herein, the multi-account consolidated account apparatus further comprises:
the comparison module is used for comparing the total average balance with a preset value;
if the total average balance is larger than the preset value, the interest rate calculation module determines the pricing interest rate corresponding to the total average balance by using a pricing interest rate table according to the total average balance;
and if the total average balance is less than or equal to the preset value, the interest accounting module accounts according to the original interest rate of each combined interest accounting account in the user group.
As a further embodiment herein, the multi-account consolidated account apparatus further comprises:
the interest rate checking module is used for judging whether the pricing interest rate corresponding to the total average balance is smaller than the interest rate of the interest-calculating day;
if the judgment result is yes, the interest accounting module accounts all combined interest accounting accounts under the user group according to the pricing interest rate corresponding to the total average balance;
and if the judgment result is negative, the interest metering module meters all combined interest metering accounts under the user group according to the interest metering daily reference interest rate.
As a further embodiment herein, the interest rate calculation module calculates the pricing rates in the pricing rate table by:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
As a third aspect herein, there is provided a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the multi-account consolidated account method of any of the preceding embodiments when executing the computer program.
As a fourth aspect herein, there is provided a computer readable storage medium storing an executable computer program which, when executed by a processor, implements the multi-account consolidated logging method of any of the preceding embodiments.
The multi-account merged interest-bearing method and device, the computer equipment and the computer readable storage medium provided by the invention merge the multiple accounts of the same user group into interest bearing, so that the interest bearing management of the multiple accounts of the same user group can be simplified, and the user experience is improved. In addition, the total average value balance of the interest accounts is merged, the pricing interest rate corresponding to the total average value balance is determined by using the pricing interest rate table (the pricing interest rate table stores the relation between the money range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is larger than or equal to the original interest rate of each merged interest account of the user group), and the interest income of the user can be improved. In addition, the user can be stimulated to invite other users to join, so that a user group is formed, the higher the summary balance of the combined account is, the higher the interest rate is, the full user discovery is realized, a new user is developed by utilizing a user friend circle or benefit circle, and the effect of reducing the cost of the bank for obtaining the user is achieved.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments or technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 illustrates a flow diagram of a multi-account consolidated tally method of an embodiment herein;
FIG. 2 illustrates a flow diagram of a multi-account consolidated tally method of another embodiment herein;
FIG. 3 illustrates a flow diagram of a multi-account consolidated tally method of a further embodiment herein;
FIG. 4 illustrates a block diagram of a multi-account consolidated account device according to an embodiment herein;
FIG. 5 illustrates a block diagram of a multi-account consolidated account device according to another embodiment herein;
FIG. 6 is a block diagram illustrating a multi-account consolidated account device according to yet another embodiment herein;
FIG. 7 illustrates a block diagram of a multi-account consolidated account device according to yet another embodiment herein;
FIG. 8 shows a block diagram of a computer device of an embodiment herein.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments herein without making any creative effort, shall fall within the scope of protection.
The interest rates (including original interest rate and pricing interest rate) described herein refer to annual interest rates unless otherwise specified.
As shown in fig. 1, fig. 1 is a flowchart of a multi-account consolidated account information method according to an embodiment of the present disclosure. The embodiment is used for solving the defects that in the prior art, the account storage information is not related, the management is inconvenient, and the requirement of a user on the management of a plurality of accounts at the same time cannot be met. Specifically, the multi-account merged interest charging method comprises the following steps:
and step 110, calculating the total average balance of all the combined interest-bearing accounts in the same user group.
In detail, for the merged interest account, which is generally a current account, the user is required to apply to a financial institution (including but not limited to a bank) and the current account can be determined after being checked by the financial institution. In implementation, the auditing process may be implemented by a subscription management component, where the subscription management component is provided with admission conditions, for example, the admission conditions may be a currency subscription starting amount. Although the financial institution audits the consolidated interest accounts, the consolidated interest accounts may not be charged according to the consolidated interest method according to the user requirements. The user group may include one user and may include a plurality of users. The user can be stimulated to invite other users to join in common interest so as to form a user group, and the higher the sum average balance of the combined accounts is, the higher the interest rate is, so that the effects of fully exploring the users, developing new users by utilizing a user friend circle or benefit circle and reducing the cost of the bank for obtaining the users are achieved.
The total average balance of the combined interest account is a daily total average balance in a certain time period, and can be calculated according to the time periods of day, week, month, quarter, year and the like, specifically, the period is used for calculation, and the calculation is determined according to the user or service requirements.
Taking a month period as an example, the total average balance of the month period can be obtained by adding the daily balances of all the combined interest-bearing accounts of the same user group in one month and dividing the sum by the number of days of one month, and the corresponding calculation formula is as follows:
wherein U is the total average balance of the month cycle, n1 is the number of combined interest-bearing accounts of the same user group, n2 is the total days of a month, Ai,jThe balance for the ith consolidated account on day j.
Or the daily average amount of each combined interest account in one month can be calculated respectively, the calculated daily average amounts of each combined interest account are added to obtain the total average balance of the month period, and the corresponding calculation formula is as follows:
wherein U is the total average balance of the month cycle, n1 is the number of combined interest-bearing accounts of the same user group, n2 is the total days of a month, Ai,jThe balance for the ith consolidated account on day j.
And step 130, determining the pricing interest rate corresponding to the total mean balance by using the pricing interest rate table according to the total mean balance.
The pricing interest rate table stores the relationship between the amount range and the pricing interest rate, the minimum value of the pricing interest rate in the pricing interest rate table is larger than or equal to the original interest rate of each combined interest account in the user group, and the original interest rate of the combined interest account is the interest rate given by a financial institution when the combined interest account is not signed (i.e. transacted) with combined interest.
Specifically, the step of determining the pricing interest rate corresponding to the total mean balance by using the pricing interest rate table according to the total mean balance includes: searching an amount range i in which the total average balance is positioned in the pricing interest table; searching the pricing interest rate X corresponding to the money range i in the pricing interest rate tableiPrice and interest rate XiAnd (4) the pricing interest rate corresponding to the total average balance.
In a specific implementation, only a pricing interest rate table may be set, no specific pricing interest rate value is set in the pricing interest rate table, only the reference interest rate and the profit base point (reference interest rate-profit base point ═ pricing interest rate) are set, or the reference interest rate is a floating proportion, or a floating value is added on the basis of the reference interest rate, and the pricing interest rate table is parameterized. The reference interest rate is related to the currency, for example, the reference interest rate value for RMB if the account is a RMB account, or the reference interest rate value for USD if the account is a USD account. The profit base point is a constant value and is irrelevant to the currency.
For more attraction deposit, the starting and ending amount of the amount range in the pricing interest rate table is in direct proportion to the pricing interest rate, that is, the more the total average balance of the user is, the more the corresponding pricing interest rate is, and the more the user obtains the income. In one embodiment, the pricing rate table is shown in Table one.
Watch 1
| Pricing grade | Starting and ending amount | Pricing interest rate |
| 1 st gear | 1000-5000 ten thousand | Pricing interest rate 1 |
| 2-gear | 5000-2 million of | Pricing interest rate 2 |
| 3 grade | More than 2 hundred million | Pricing interest rate 3 |
And 150, charging all combined interest accounts under the user group according to the pricing interest rate corresponding to the total average balance.
In detail, according to the pricing interest rate corresponding to the total average balance, all the combined interest accounts under the user group are charged, namely the pricing interest rate corresponding to the total average balance replaces the original interest rate of each combined interest account under the user group to be charged.
In this embodiment, the steps 110 and 130 may be performed once every fixed time interval (e.g., every month), the step 150 is performed on the rest day, or the steps 110, 130 and 150 are performed on the rest day, which may be daily, or a day at the beginning or end of each month.
When the method is executed, all the combined interest accounts of the same user group are associated together, the saleable products can be rapidly expanded under the condition that the financial system is slightly modified (namely, the accounts are combined to obtain interest), account management is facilitated, and user experience is improved. And determining the pricing interest rate corresponding to the total mean balance by using the pricing interest rate table according to the total mean balance (wherein the pricing interest rate table stores the relationship between the money range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of all the combined interest accounts under the user group), so that the interest rate of the combined interest accounts is higher than the original interest rate, the user income can be improved, and more user deposits can be attracted. In addition, the user can be stimulated to invite other users to join in common interest so as to form a user group, and as the sum average balance of the combined accounts is higher and the interest rate is higher, the effect of fully discovering the users, developing new users by utilizing a user friend circle or benefit circle and reducing the cost of the bank for obtaining the users is realized.
In an embodiment of the present invention, in order to facilitate the financial system to identify the account signing the combined interest, when the user signs the combined interest account, the account signing the combined interest needs to be updated in a special table, for example, an excel table, which is recorded in the database and is only used for storing information such as the combined interest account signing the contract, the signed product (i.e., the combined interest product, different products may have different money levels and profit base points).
In one embodiment herein, the pricing interest rate may be calculated from the reference interest rate over a predetermined period of time for more attraction deposits. In one embodiment, the pricing rate in the pricing rate table is calculated by the following formula:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
The predetermined time period is a recent time period, for example, the recent month, the recent week, and the like, and the time length of the predetermined time period may also be the same as the period for calculating the total average balance, and specific values of the predetermined time period are not limited herein.
The reference interest rate is an interest rate having a general reference function in a financial market, and other interest rate levels or financial asset prices can be determined according to the reference interest rate level, and specifically, the reference interest rate can be, for example, bank internal Fund Transfer Pricing (FTP).
In some embodiments, the reference interest Rate may also be a central bank guide interest Rate, Shanghai Bank interest Rate (SHIBOR), London interest Rate (London Int)erbankoffset Rate, LIBOR), etc., and the reference interest Rate is not limited in particular. In practice, the interest rate may be determined according to the region. If the reference interest rate is selected as the guide interest rate in the central row, then X can be expressedi＝YO+FiCalculating a pricing interest rate (F)iFor example, the upward base point corresponding to the amount range i) or set the pricing interest rate to a fixed interest rate value higher than the reference interest rate, directly float the percentage on the reference interest rate, and so on.
The profit base points (basic points, abbreviated as bps, 1bps represents one base point, and 1bps is 0.0001) are used for representing the profit of the base point which the financial institution expects to have at most, the profit base points corresponding to the amount ranges are different, and the profit base points are inversely proportional to the starting and ending amounts of the amount ranges (as shown in the table two profit base tables), that is, the larger the starting and ending amounts of the amount ranges are, the smaller the profit base points are. The specific value of the profit base point can be determined by comprehensively considering the profit cost and the expected income, and the value and the calculation process are not limited in the text.
Table two:
| pricing grade | Starting and ending amount | Pricing interest rate |
| 1 st gear | 1000-5000 ten thousand | Reference interest rate in the beginning of the month-profit base point (35bps) |
| 2-gear | 5000-2 million of | Reference interest rate in the beginning of the month-profit base point (30bps) |
| 3 grade | More than 2 hundred million | Reference interest rate in the beginning of the month-profit base point (25bps) |
In other embodiments herein, X may be basedi＝YO-GiTo obtain a plurality of pricing interest rates, e.g. X may bei＝YO-GiBoth sides are simultaneously divided by YOX ═ Y (1-M%), and the like, which are not specifically defined herein.
In an embodiment of this document, as shown in fig. 2, in order to avoid the income decrease of the financial institution, the merging interest may be performed only after the user's total average balance reaches a certain amount, and the step 110 of calculating the total average balances of all the merged interest accounts of the same user group further includes:
and step 120, comparing the total average balance calculated in the step 110 with a preset value.
If the total average balance is greater than the predetermined value, step 130 is executed to determine the pricing rate according to the total average balance by using the pricing rate table.
If the overall average balance is less than or equal to the predetermined value, step 121 is performed.
And step 121, paying according to the original interest rate of each combined interest account of the user group.
The preset value described in this embodiment may be set by the financial institution according to its own profit, and the specific value is not limited herein.
In some embodiments, as shown in fig. 3, after the step 130 of determining the pricing interest rate corresponding to the total mean balance according to the total mean balance by using the pricing interest rate table, in order to avoid the profit loss of the financial institution on the current day of interest, the method further includes:
and step 140, judging whether the pricing interest rate corresponding to the total average balance is smaller than the interest rate of the interest-calculating day.
If the result is yes, step 150 is executed to account for each combined interest account of the user group according to the pricing interest rate corresponding to the total average balance. If the determination result is negative, step 141 is executed.
And step 141, according to the interest rate of the interest-bearing day, bearing the accounts which are combined under the user group.
In specific implementation, the logic processes of step 140, step 141 and step 150 can be briefly described as follows: and determining the interest rate IR by using the following formula, and charging each combined interest account of the user according to the interest rate IP.
IR＝min(X,BIR)；
Wherein, IR is interest rate of charging each combined interest account under the user group, min () is minimum value, X is pricing interest rate corresponding to the total average balance, BIR is interest rate of daily reference of interest.
Because the reference interest rate changes every day, the specific implementation needs to be carried out according to daily interest counting.
In the embodiment, the small person is taken as the final interest rate value by comparing the pricing interest rate corresponding to the total average balance and the interest rate reference daily, so that the loss of the financial institution can be avoided.
Based on the same inventive concept, a multi-account consolidated accounting apparatus is also provided herein, as described in the following embodiments. Because the principle of the device for solving the problems is similar to the multi-account merged message method, the implementation of the device can refer to the implementation of the multi-account merged message method, and repeated details are not repeated. As shown in fig. 4, the multi-account consolidated accounting apparatus includes:
and a mean value calculating module 410, configured to calculate a total mean value balance of all the combined interest-bearing accounts in the same user group.
And the interest rate calculation module 430 is configured to determine the pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, where the pricing interest rate table stores a relationship between the money amount range and the pricing interest rate, and a minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of all the combined interest-bearing accounts in the user group.
And the interest charging module 450 is configured to charge all accounts participating in the combined interest charging in the user group according to the pricing interest rate corresponding to the total average balance.
In the implementation, all the combined interest accounts of the same user group are associated together, so that the marketable products (namely, the multi-account combined interest) can be quickly expanded under the condition that the financial system is slightly modified, account management is facilitated, and the user experience is improved. And determining the pricing interest rate corresponding to the total mean balance by using the pricing interest rate table according to the total mean balance (wherein the pricing interest rate table stores the relationship between the money range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of all the combined interest accounts under the user group), so that the interest rate of the combined interest accounts is higher than the original interest rate, the user income can be improved, and more user deposits can be attracted. In addition, the user can be stimulated to invite other users to join in the combined information to form a user group, and the higher the sum balance of the combined account is, the higher the interest rate is, so that the effects of fully exploring the user, developing new users by utilizing a user friend circle or benefit circle and reducing the cost of the bank for obtaining the user are achieved.
In one embodiment herein, as shown in FIG. 5, the interest rate calculation module 430 includes:
a first searching unit 431, configured to search, in the pricing interest rate table, an amount range i in which the total mean balance is located;
a second searching unit 432, configured to search the pricing interest rate X corresponding to the amount range i in the pricing interest rate tableiSaid pricing interest rate XiAnd the pricing interest rate is corresponding to the total average balance.
In an embodiment of the present disclosure, as shown in fig. 6, the multi-account consolidated accounting apparatus further includes:
and a comparison module 420 for comparing the total average balance with a predetermined value. If the total average balance is greater than the predetermined value, the interest rate calculating module 430 determines the pricing interest rate corresponding to the total average balance by using the pricing interest rate table according to the total average balance. If the total average balance is less than or equal to the predetermined value, the interest-counting module 450 counts the interest according to the deposit mode of each participating combined interest-counting account under the user group.
The embodiment improves the total income by enlarging the deposit scale and avoids the income decline of the financial institution.
In an embodiment of this document, as shown in fig. 7, the multi-account consolidated accounting apparatus further includes:
and the interest rate checking module 440 is configured to determine whether the pricing interest rate corresponding to the total average balance is less than or equal to the interest rate of the interest-bearing day. If the result of the determination is yes, the interest-bearing module 450 bears the combined interest-bearing accounts of the user group according to the pricing interest rate corresponding to the total average balance. If the result of the determination is negative, the interest counting module 450 counts the accounts merged with the interest under the user group according to the interest rate referenced by the interest counting day.
The embodiment can avoid the profit loss of the financial institution on the day of the interest-calculating day.
In some embodiments herein, the interest rate calculation module 430 calculates the pricing interest rates in the pricing interest rate table by:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
In the embodiment, through the calculation of the pricing interest rate, the more the user deposits money, the more the obtained income, and further more deposits can be attracted.
In order to more clearly illustrate the technical solution herein, a detailed description is given below with a specific example. The pricing interest rate table in this embodiment is shown in table three. Referring to interest rate selection FTP, the profit base point is 30bps (i.e., 0.3%) for the 1 st gear, 25bps (i.e., 0.25%) for the 2 nd gear, and 20bps (i.e., 0.2%) for the 3 rd gear. Assume that the consolidated interest account signed up by user XX includes: account a, account B, and account C.
Table three:
| pricing grade | Starting and ending amount | Interest rate |
| 1 st gear | 1000-5000 ten thousand | FTP-30bps in the beginning of the month |
| 2-gear | 5000-2 million of | FTP-25bps in early month |
| 3 grade | More than 2 hundred million | FTP-20bps in early month |
The following description is made before and after subscription merged interest, respectively:
1) before signing and combining interest, an account A, an account B and an account C are charged according to interest rates of public current deposit products, assuming that the interest rate value is 1.25%, the average daily balance of the account A is 1000 ten thousand, the average daily balance of the account B is 2000 ten thousand, the average daily balance of the account C is 3000 ten thousand and the number of days of the month is assumed to be 30 days, then: account a may obtain 10,000,000 1.25% 30/360-10416.67 yuan a month; account B may obtain 20,000,000 1.25% 30/360-20833.33 yuan a month; account C may obtain 30,000,000 1.25% 30/360 31250 yuan a month;
the user XX has total interest gained a month from account a + account B + account C62500 yuan.
2) After signing and merging interest, the merging interest process is as follows:
a. assuming that the FTP in the beginning of the month is 1.8%, the third table is updated by using the FTP in the beginning of the month, and a fourth table is obtained:
table four:
| pricing grade | Starting and ending amount | Pricing interest rate |
| 1 st gear | 1000-5000 ten thousand | 1.50％ |
| 2-gear | 5000-2 million of | 1.55％ |
| 3 grade | More than 2 hundred million | 1.60％ |
b. Calculate the total daily average balance for user XX consolidated account.
From the average daily balances given in 1) for account a, account B and account C, it can be calculated that the total daily average balance for the user XX combined account is 6000 ten thousand.
c. And c, comparing the total daily average balance calculated in the step b with a preset value, wherein in the embodiment, the preset value is 1000 thousands, and the total daily average balance 6000 thousands is larger than the preset value 1000 thousands, so that the subsequent steps can be executed.
d. According to the total daily average balance of 6000 ten thousand, by using the pricing interest rate table shown in the fourth table, the XX total daily average balance of the user can be determined to belong to the money range of the 3 rd gear, and the corresponding pricing interest rate of the gear is 1.55%.
e. And d, acquiring the interest-bearing day FTP, wherein the interest-bearing day FTP is not less than 1.60%, and according to a formula IR (min (X, BIR), wherein X is the pricing interest rate determined in the step d, and BIR is the interest-bearing day FTP, the interest-bearing rate of each day in one month can be determined to be 1.55%.
f. And e, charging the account A, the account B and the account C of the user XX according to the interest rate for charging calculated in the step e.
In this embodiment, assuming that the daily FTP of the interest-bearing day is not less than 1.60% in a month, the interest-bearing rates in the month can be determined to be 1.55% through the steps a to f. The interest obtained by the user within one month is: account a may obtain 10,000,000 1.55% 30/360-12916.67 yuan a month; account B may obtain 20,000,000 1.55% 30/360-25833.33 yuan a month; account C may obtain 30,000,000 1.55% 30/360-38750 yuan a month; the user XX has access to total interest for one month account a + account B + account C + 77500 yuan for one month.
As can be seen from 1) and 2) above, after customer XX merges account A, account B and account C, the interest per month can be 15000 yuan more and nearly 180000 yuan more per year.
The multi-account merged interest-bearing method and the device provided by the invention merge the multiple accounts of the same user into interest, can simplify the interest-bearing management of the multiple accounts of the same user, meet the business requirement of the user on the multi-account merged interest, and improve the user experience. In addition, the total average balance of the interest accounts is merged, the pricing interest rate corresponding to the total average balance is determined by using the pricing interest rate table (the pricing interest rate table stores the relationship between the money range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of each merged interest account of the user), and the interest income of the user can be improved. And comparing the user pricing interest rate determined according to the interest rate negotiation table with the reference interest rate of the interest-calculating day, and setting the small price of the user pricing interest rate and the reference interest rate as the final user pricing interest rate, so that the user income can be improved and the financial institution loss can be avoided.
As shown in fig. 8, which is a schematic structural diagram of a computer device according to an embodiment herein, a computer device 802 may include one or more processors 804, such as one or more Central Processing Units (CPUs), each of which may implement one or more hardware threads. The computer device 802 may further include any memory 806 and a computer program stored on the memory 806 and executable on the processor 804, the processor 806 when executing the computer program implementing the multi-account consolidated account method of any of the embodiments described above. The memory 806 is also used to store any kind of information such as code, settings, data etc. For example, and without limitation, memory 806 may include any one or more of the following in combination: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may use any technology to store information. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of computer device 802. In one case, when the processor 804 executes the associated instructions, which are stored in any memory or combination of memories, the computer device 802 can perform any of the operations of the associated instructions. The computer device 802 also includes one or more drive mechanisms 808, such as a hard disk drive mechanism, an optical disk drive mechanism, etc., for interacting with any memory.
Embodiments herein also provide a computer-readable storage medium having stored thereon a computer program, which when executed by a processor, performs the steps of the above-described multi-account consolidated logging method.
Embodiments herein also provide a computer readable instruction, wherein the program, when executed by a processor, causes the processor to perform the multi-account consolidated account method described above.
It should be understood that, in various embodiments herein, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments herein.
It should also be understood that, in the embodiments herein, the term "and/or" is only one kind of association relation describing an associated object, meaning that three kinds of relations may exist. For example, a and/or B, may represent: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided herein, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may also be an electric, mechanical or other form of connection.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purposes of the embodiments herein.
In addition, functional units in the embodiments herein may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present invention may be implemented in a form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The principles and embodiments of this document are explained herein using specific examples, which are presented only to aid in understanding the methods and their core concepts; meanwhile, for the general technical personnel in the field, according to the idea of this document, there may be changes in the concrete implementation and the application scope, in summary, this description should not be understood as the limitation of this document.
Claims (14)
1. A multi-account consolidated tally method, comprising:
calculating the total average balance of all the combined interest accounts in the same user group;
determining a pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, wherein the pricing interest rate table stores a relation between a money amount range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of each combined interest account in the user group;
and charging all combined interest accounts under the user group according to the pricing interest rate corresponding to the total average balance.
2. The method of claim 1, wherein determining a pricing interest rate corresponding to the overall mean balance using a pricing interest rate table based on the overall mean balance comprises:
searching an amount range i in which the total average balance is positioned in the pricing interest table;
searching the pricing interest rate corresponding to the money range i in the pricing interest rate tableXiSaid pricing interest rate XiAnd the pricing interest rate is corresponding to the total average balance.
3. The method of claim 1, wherein after calculating the overall average balance of all consolidated interest bearing accounts for the same group of users, further comprising:
comparing the total average balance with a predetermined value;
if the total average balance is larger than the preset value, determining the pricing rate corresponding to the total average balance by using a pricing rate table according to the total average balance;
and if the total average balance is less than or equal to the preset value, charging according to the original interest rate of each combined interest account of the user group.
4. The method of claim 1, wherein after determining the pricing interest rate corresponding to the overall mean balance using a pricing interest rate table based on the overall mean balance, further comprising:
judging whether the pricing interest rate corresponding to the total average balance is smaller than the interest rate of the interest-calculating day;
if so, charging all combined charging accounts of the user group according to the pricing interest rate corresponding to the total average balance;
and if the judgment result is negative, charging all combined charging accounts under the user group according to the daily reference interest rate of the charging.
5. The method of claim 1, wherein the pricing rates in the pricing rate table are calculated by the following formula:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
6. The method of claim 4 or 5, wherein the reference interest rate comprises: internal bank funds transfer pricing.
7. A multi-account consolidated accounting apparatus, comprising:
the average value calculation module is used for calculating the total average value balance of all the combined interest-bearing accounts in the same user group;
the interest rate calculation module is used for determining the pricing interest rate corresponding to the total mean balance by using a pricing interest rate table according to the total mean balance, wherein the pricing interest rate table stores the relation between a money amount range and the pricing interest rate, and the minimum value of the pricing interest rate in the pricing interest rate table is greater than or equal to the original interest rate of all combined interest accounts under the user group;
and the interest charging module is used for charging all combined interest charging accounts under the user group according to the pricing interest rate corresponding to the total average balance.
8. The apparatus of claim 7, wherein the interest rate calculation module comprises:
a first searching unit, configured to search, in the pricing interest rate table, an amount range i in which the total average balance is located;
a second searching unit, configured to search the pricing interest rate X corresponding to the money amount range i in the pricing interest rate tableiSaid pricing interest rate XiAnd the pricing interest rate is corresponding to the total average balance.
9. The apparatus of claim 7, further comprising:
the comparison module is used for comparing the total average balance with a preset value;
if the total average balance is larger than the preset value, the interest rate calculation module determines the pricing interest rate corresponding to the total average balance by using a pricing interest rate table according to the total average balance;
and if the total average balance is less than or equal to the preset value, the interest accounting module accounts according to the original interest rate of each combined interest accounting account in the user group.
10. The apparatus of claim 7, further comprising:
the interest rate checking module is used for judging whether the pricing interest rate corresponding to the total average balance is smaller than the interest rate of the interest-calculating day;
if the judgment result is yes, the interest accounting module accounts all combined interest accounting accounts under the user group according to the pricing interest rate corresponding to the total average balance;
and if the judgment result is negative, the interest metering module meters all combined interest metering accounts under the user group according to the interest metering daily reference interest rate.
11. The apparatus of claim 7, wherein the interest rate calculation module calculates the priced interest rates in the priced interest rate table by:
Xi＝YO-Gi；
wherein, XiThe pricing interest rate corresponding to the amount range i; y isOIs the reference interest rate on a fixed date for a predetermined period of time or the mean of the reference interest rates for a predetermined period of time; giThe profit base point corresponding to the amount range i is inversely proportional to the starting and ending amounts of the amount range i.
12. The apparatus of claim 10 or 11, wherein the reference interest rate comprises: internal bank funds transfer pricing.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the multi-account consolidated account logging method of any of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores an executable computer program, which when executed by a processor implements the multi-account consolidated resting method of any one of claims 1 to 6.
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