CN114693417A

CN114693417A - Automatic data processing method, device and equipment for interest bearing and computer storage medium

Info

Publication number: CN114693417A
Application number: CN202210334218.5A
Authority: CN
Inventors: 顾跃峰; 王微微
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-03-31
Filing date: 2022-03-31
Publication date: 2022-07-01

Abstract

The invention provides an information automation data processing method, device and equipment and a computer storage medium. The method comprises the following steps: obtaining interest data and information of group users, wherein the information of the group users comprises state information of the group users and contribution resources of the group users; and determining interest of the users in the first state and interest of the users in the second state which need to be calculated according to the user state information, and calculating the resource occupation ratio based on the contribution resources of the group users. And calculating the target interest of the user in the first state based on the resource ratio and the interest of each user to obtain a more accurate interest allocation result.

Description

Automatic data processing method, device and equipment for interest bearing and computer storage medium

Technical Field

The invention belongs to the technical field of big data, and particularly relates to an automatic interest-bearing data processing method, device, equipment, computer storage medium and computer program product.

Background

Currently, when interest calculation is performed on group customers, the total interest amount of each member in the group customers can be calculated through a dynamic account book pool according to the contribution amount of the group members, and interest distribution is performed on each member according to the total interest amount. When a member exits from the group client, the method cannot calculate interest of the members in the rest group clients to obtain an accurate interest distribution result.

Disclosure of Invention

The invention provides an interest-bearing automated data processing method, device, equipment, computer storage medium and computer program product, which can bear the changed group users and accurately obtain interest distribution results of each user when the data of the group users change according to the state of the group users.

In a first aspect, an embodiment of the present invention provides an automatic data processing method for interest bearing, where the method includes:

under the condition of receiving interest-bearing input, acquiring interest data of group users and information of the group users in a preset time period, wherein the information of the group users comprises information of group user states and contribution resources of the group users, and the group user states comprise a first state and a second state;

determining a first resource proportion of each group user in a first state, a second resource proportion of each group user in a second state and a third resource proportion of each group user in the first state according to the states and the contribution resources of the group users;

calculating the interest of the group users in the second state according to the interest data and the second resource proportion;

determining the first interest of each group user in the first state according to the third resource proportion of each group user in the group users in the first state and the interest of the group users in the second state;

calculating a second interest of each group user in the first state according to the interest data and the first resource ratio of each group user in the first state;

and determining the target interest of the group user in the first state according to the first interest and the second interest.

According to one aspect of the invention, the interest data includes in-memory and out-memory interests, the in-memory interests including internal cash pool interests and bank interests, and the out-memory interests including interests other than the internal cash pool interests and bank interests;

calculating the interest of the group users in the second state according to the interest data and the second resource ratio, wherein the method comprises the following steps:

and respectively calculating the internal interest, bank interest and external deposit interest of the cash pool of the group user in the second state according to the interest data and the second resource ratio.

According to one aspect of the present invention, calculating a second interest for each corporate user in a first state based on interest data and a first resource share for each corporate user in the first state comprises:

and calculating the internal interest of the second cash pool, the second bank interest and the second external deposit interest of each group user in the first state according to the interest data and the first resource ratio of each group user in the first state.

According to an aspect of the present invention, in a case where a user interest count input is received, obtaining interest data of a group user and information of the group user in a preset time period, the information of the group user including information of a state of the group user and contribution resources of the group user, the state of the group user including a first state and a second state, includes:

acquiring the identification of group users;

determining that the users with the group user identifications as the first identifications are group users in a first state;

and determining that the users with the group user identifications as the second identifications are the group users in the second state.

According to an aspect of the present invention, in a case where a user interest count input is received, acquiring interest data of group users and information of the group users in a preset time period includes:

and under the condition of receiving user interest counting input, acquiring interest data of group users and information of the group users in a preset time period according to a preset period.

In a second aspect, an embodiment of the present invention provides an automatic data processing apparatus for interest bearing, where the apparatus includes:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring interest data of group users and information of the group users in a preset time period under the condition of receiving interest-bearing input, the information of the group users comprises information of group user states and contribution resources of the group users, and the group user states comprise a first state and a second state;

the determining module is used for determining a first resource proportion of each group user in a first state, a second resource proportion of each group user in a second state and a third resource proportion of each group user in the group users in the first state according to the states and the contribution resources of the group users;

the calculation module is used for calculating the interest of the group users in the second state according to the interest data and the second resource proportion;

the determining module is used for determining the first interest of each group user in the first state according to the third resource proportion of each group user in the group users in the first state and the interest of the group users in the second state;

the calculation module is also used for calculating the second interest of each group user in the first state according to the interest data and the first resource proportion of each group user in the first state;

and the determining module is also used for determining the target interest of the group users in the first state according to the first interest and the second interest.

According to one aspect of the invention, the interest data includes memory and foreign interest, the memory interest including cash bank internal interest and bank interest, the foreign interest including interest other than the cash bank internal interest and bank interest;

the calculation module is used for calculating the interest of the group users in the second state according to the interest data and the second resource proportion, and comprises:

and the calculation module is used for respectively calculating the internal interest, the bank interest and the external deposit interest of the cash pool of the group user in the second state according to the interest data and the second resource ratio.

According to one aspect of the invention, the calculation module for calculating a second interest of each group user in the first state based on the interest data and the first resource share of each group user in the first state comprises:

and the calculation module is used for calculating the internal interest of the second cash pool, the second bank interest and the second external deposit interest of each group user in the first state according to the interest data and the first resource ratio of each group user in the first state. .

According to an aspect of the present invention, the obtaining module is configured to obtain interest data of a group user and information of the group user in a preset time period in case of receiving a user interest calculation input, where the information of the group user includes information of a group user status and contribution resources of the group user, and the group user status includes a first status and a second status, and includes:

the acquisition module is used for acquiring the identification of the group user;

the determining module is used for determining that the users with the group user identifications as the first identifications are the group users in the first state;

and the determining module is used for determining that the group user with the group user identification as the second identification is the group user in the second state.

According to an aspect of the present invention, the obtaining module is configured to obtain interest data of group users and information of the group users in a preset time period when receiving a user interest calculation input, and includes:

the acquisition module is used for acquiring interest data of group users and information of the group users in a preset time period according to a preset period under the condition that user interest input is received.

In a third aspect, an embodiment of the present invention provides an automatic data processing device for interest bearing, where the device includes:

a processor, and a memory storing computer program instructions;

the processor reads and executes the computer program instructions to implement the automated data processing method of interest of the first aspect.

In a fourth aspect, an embodiment of the present invention provides a computer storage medium, where computer program instructions are stored on the computer storage medium, and when the computer program instructions are executed by a processor, the method for processing the information-bearing automation data of the first aspect is implemented.

In a fifth aspect, an embodiment of the present invention provides a computer program product, and instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to execute the information-bearing automation data processing method of the first aspect.

According to the method, the device, the equipment, the computer storage medium and the computer program product for processing the automatic interest data, when the data of the group users change, the target group users can be determined according to the set identification, the interest of each group user in the target group users can be calculated, and an accurate interest distribution result can be obtained.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a schematic flow chart illustrating a method for automated information processing according to an embodiment of the present invention;

FIG. 2 is a schematic system flow diagram of an application interest-bearing automation data processing method according to an embodiment of the present invention;

FIG. 3 is a schematic structural diagram of an automated data processing apparatus for interest bearing according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of an automatic interest bearing data processing device according to an embodiment of the present invention.

Detailed Description

Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

In the technical scheme of the invention, the acquisition, storage, use, processing and the like of the data all accord with relevant regulations of national laws and regulations.

At present, when a bank calculates interest of group client members, interest distribution is mainly carried out on the clients according to the account of the clients through a dynamic account book pool, when the members quit the group, the existing members cannot be removed and interest can not be reckoning again, and the obtained interest distribution result is inaccurate.

In order to solve the problems in the prior art, embodiments of the present invention provide a method, an apparatus, a device, a computer storage medium, and a computer program product for automated interest-bearing data processing. First, the automatic data processing method for interest bearing provided by the embodiment of the invention is described below.

Fig. 1 is a schematic flow chart illustrating an automated data processing method for interest bearing according to an embodiment of the present invention. As shown in fig. 1, the method may include the steps of:

s110, under the condition that interest data and information of group users in a preset time period are received, the information of the group users comprises information of the state of the group users and contribution resources of the group users, and the state of the group users comprises a first state and a second state.

When receiving user interest information input, acquiring total interest amount to be distributed in a preset time period and information of group users, wherein the information of the group users specifically comprises the state of the group users and the contribution amount of the group users. The state of the group user is used for representing whether the group user is a quitting user or not, and when the group user is the quitting user, the assigned interest is 0. The group user state comprises a first state and a second state, wherein the first state is a non-exit state, and the second state is an exit state.

In some embodiments, the group user may be an individual or a company, which is not limited to this.

S120, according to the states and the contribution resources of the group users, determining a first resource occupation ratio of each group user in the first state of the group users, a second resource occupation ratio of the group users in the second state and a third resource occupation ratio of each group user in the group users in the first state.

The contribution resource of the group user can be transaction amount information of each group user, and the interest ratio of each user in the group users is calculated according to the information, wherein the resource ratio of each group user in the first state is the first resource ratio, and the sum of the resource ratios of all the group users in the second state is the second resource ratio. And further calculating interest ratio of each user in the first state group users, specifically calculating the ratio of contribution amount of each user in the first state group users based on the contribution amount of all users in the first state group users. Wherein the resource ratio and the interest ratio have the same value.

For example, in a group user, the transaction amount of A is 2, the transaction amount of B is 4, the transaction amount of C is 6, the transaction amount of D is 8, the corresponding interest ratio of A is 10%, the interest ratio of B is 20%, the interest ratio of C is 30%, and the interest ratio of D is 40%. When A and D are non-group users, namely group users in the first state, and B and C are group users, namely group users in the second state, the interest ratio of A is changed to 20%, and the interest ratio of D is changed to 80%. Wherein, the ratio of interest of A is 10 percent, the ratio of interest of D is 40 percent, the ratio of interest of B is 20 percent, the ratio of interest of C is 30 percent, the sum of the ratio of interest of B and the ratio of interest of C is 50 percent, the ratio of interest of A is 20 percent, and the ratio of interest of D is 80 percent.

And S130, calculating the interest of the group users in the second state according to the interest data and the second resource ratio.

And calculating the interest of the group users in the second state according to the total interest amount of the group users and the second resource ratio of the group users in the second state. For example, if the total interest amount is 100 and the second resource proportion of the second status group user is 20%, the interest of the second status group user is 20.

S140, determining the first interest of each group user in the first state according to the third resource proportion of each group user in the group users in the first state and the interest of the group users in the second state.

And calculating the first interest of each group user in the group users in the first state according to the third resource proportion of each group user in the group users in the first state and the interest of the quit user, namely the interest of the quit user to be distributed by the group users in the first state. And the third resource ratio is the resource ratio of each user in the group users in the first state after deleting the group users in the second state.

S150, calculating second interest of each group user in the first state according to the interest data and the first resource ratio of each group user in the first state.

And calculating the second interest of the group users in the first state based on the first resource proportion of all the users in the group according to the total interest and each group user in the first state.

And S160, determining the target interest of the group user in the first state according to the first interest and the second interest.

And calculating the sum of the first interest of each group user in the first state, which is to be distributed by each group user to exit the group user, and the second interest of each user in the group users in the first state, as the target interest which is to be actually distributed by each user in the group users in the first state.

The automatic data processing method for interest provided by the embodiment of the invention can determine the interest of the group users in the first state to be calculated according to the state information of the group users, and calculate the target interest of each user in the group users in the first state according to the contribution resources and the total interest of the group users, so as to obtain an accurate interest distribution result.

In some embodiments, the interest data includes in-memory and out-of-memory interests, the in-memory interests including internal cash pool interests and bank interests, the out-of-memory interests including interests other than the internal cash pool interests and the bank interests; calculating the interest of the group users in the second state according to the interest data and the second resource ratio, wherein the method comprises the following steps: and respectively calculating the internal interest of the cash pool, the bank interest and the external deposit interest of the group users in the second state according to the interest data and the second resource proportion. The interest data generated by the account cash pool comprises internal and external interest, wherein the internal interest comprises internal interest and bank interest in the cash pool. And respectively calculating internal interest, bank interest and external deposit interest of each user in the group users in the first state according to the determined group users in the first state and the total interest amount.

In some embodiments, calculating a second interest for each corporate user in a first state based on interest data and a first resource share for each corporate user in the first state comprises: and calculating the internal interest of the second cash pool, the second bank interest and the second external deposit interest of each group user in the first state according to the interest data and the first resource ratio of each group user in the first state.

In some embodiments, in a case that a user interest calculation input is received, obtaining interest data of a group user and information of the group user in a preset time period, where the information of the group user includes information of a state of the group user and contribution resources of the group user, and the state of the group user includes a first state and a second state, including: acquiring the identification of group users; determining that the users with the group user identifications as the first identifications are group users in a first state; and determining that the users with the group user identifications as the second identifications are the group users in the second state. . And acquiring the identification of the group user, wherein the identification of the group user is used for representing the state of the group user. When the acquired group user identifier is the first identifier, deleting the corresponding group user information, specifically: and when the acquired group user identification is 0, determining that the group user is an exit user, namely, a group user in a second state, and deleting the exit user information. And taking the group user deleted with the user exiting information as the first state group user.

In one example, the identity of the clique user is 0/1 identity, and when the identity of the clique user is 0, the clique user is determined to be an exiting user; when the identity of the clique user is 1, the clique user is a non-exiting user.

In some embodiments, in the case of receiving the user interest count input, acquiring interest data of group users and information of the group users in a preset time period includes: and under the condition of receiving user interest counting input, acquiring interest data of group users and information of the group users in a preset time period according to a preset period. And acquiring interest data of the group users and information of the group users in a preset time period according to a preset period. And calculating the first interest and the second interest of the group users in each period based on the acquired interest data of the group users in the preset time period and the information of the group users, and further calculating the target interest of the group users in the first state in each period. The preset period may be set, but is not limited thereto.

In one example, the calculation of interest within the cash pool is performed once a month and the bank interest calculation is performed once a quarter.

In some embodiments, after obtaining the interest distribution result of each user in the first state group users, the client determines whether to carry out interest settlement according to the calculation result.

In one example, the group users include A, B, C, D. During historical interest charging, the identifiers of A, B, C and D are all non-exit identifiers 1, interest distribution is based on contribution amounts of A, B, C and D, the interest distributed by each user is calculated according to proportion, and meanwhile, default interest distribution data of A, B, C and D are calculated during next interest charging. In the current state, when a user needs to perform interest counting, the identifier of the A can be set to be the exit identifier 0 according to the requirement, and when the user needs to perform the interest counting for the second time, the change of the user identifier is detected, and the default calculated interest distribution data of the A, the B, the C and the D are abandoned. And re-determining the interest allocation data of the interest group users B, C and D according to the total interest amount. Wherein the total amount of interest is unchanged when recalculating. If the interest of A needs to be calculated in the next interest calculation, the user can set the identifier of A as the non-exit identifier 1, and then the data of A is recovered and the interest distribution data of A, B, C and D are recalculated in the next interest calculation.

The automatic interest data processing method provided by the embodiment of the invention can divide the interest data, determine the group users in the first state according to the set identification when the group user data changes, calculate the interest of each group user in the group users in the first state, obtain the internal interest, bank interest and external interest of each group user in the cash pool, and obtain an accurate interest distribution result.

Fig. 2 is a schematic system flow diagram of an automated data processing method using the above information according to an embodiment of the present invention. As shown in fig. 2, when the system performs a customer query or trial calculation instruction, the system starts to count the information and determines whether the user unit has been deleted, that is, determines whether there is a deleted user with a label of 0; when the deleted user does not exist, directly inquiring the interest information of the group users and returning the interest information of each user; when the deleted users exist, acquiring the interest allocation proportion of each group user again according to the contribution amount of the deleted group users; according to the determined interest allocation proportion, carrying out interest recalculation; the difference processing of decimal point digit is carried out on the interest calculation result, namely when the interest of each user is calculated according to the distribution proportion, 4 decimal places of the result are reserved, and when the calculated internal interest of the cash pool and the bank interest, namely the external deposit interest, are summed up, 2 decimal places of the result are reserved; and returning the interest information of each group user, and ending the interest process.

Fig. 3 is a schematic structural diagram of an automated data processing apparatus for interest bearing according to an embodiment of the present invention. As shown in fig. 3, the apparatus 300 may include an obtaining module 310, a determining module 320, and a calculating module 330.

The obtaining module 310 is configured to, in a case that an interest data of a group user and information of the group user in a preset time period are received, obtain information of the group user including information of a state of the group user and a contribution resource of the group user in the preset time period, where the state of the group user includes a first state and a second state.

A determining module 320, configured to determine, according to the statuses of the group users and the contributed resources, a first resource occupation ratio of each group user in the first status, a second resource occupation ratio of the group user in the second status, and a third resource occupation ratio of each group user in the group users in the first status.

The calculating module 330 is configured to calculate interest of the group users in the second state according to the interest data and the second resource proportion;

a determining module 320, configured to determine a first interest of each group user in the first state according to the third resource proportion of each group user in the group users in the first state and the interest of the group users in the second state;

the calculating module 330 is further configured to calculate a second interest of each group user in the first state according to the interest data and the first resource proportion of each group user in the first state.

The determining module 320 is configured to determine the target interest of the group user in the first state according to the first interest and the second interest.

The automatic data processing device for interest allocation provided by the embodiment of the invention determines the interest of the group users in the first state to be calculated according to the state information of the group users, calculates the target interest of each user in the group users in the first state according to the contribution resources and the total interest amount of the group users, and obtains an accurate interest allocation result.

In some embodiments, the interest data includes in-memory and out-memory interests, the in-memory interests including internal cash pool interests and bank interests, and the out-memory interests including interests other than the internal cash pool interests and bank interests; the calculating module 330 is configured to calculate the interest of the group users in the second state according to the interest data and the second resource proportion, and includes: and the calculating module 330 is configured to calculate internal interest, bank interest, and external deposit interest of the cash pool of the group user in the second state according to the interest data and the second resource proportion.

In some embodiments, the calculating module 330 is configured to calculate the second interest of each group user in the first state based on the interest data and the first resource proportion of each group user in the first state, and includes: and the calculating module 330 is configured to calculate, according to the interest data and the first resource proportion of each group user in the first state, the second cash pool internal interest, the second bank interest, and the second external deposit interest of each group user in the first state.

In some embodiments, the obtaining module 310 is configured to, in a case that a user interest calculation input is received, obtain interest data of a group user and information of the group user in a preset time period, where the information of the group user includes information of a group user status and contribution resources of the group user, and the group user status includes a first status and a second status, and includes: an obtaining module 310, configured to obtain an identifier of a group user; a determining module 320, configured to determine that a group user identified as a first identifier is a group user in a first state; the determining module 320 is configured to determine that the group user identifier is the user in the second status.

In some embodiments, the obtaining module 310 is configured to, in a case that the user interest count input is received, obtain interest data of group users and information of the group users in a preset time period, where the obtaining module is configured to: the obtaining module 310 is configured to obtain interest data of group users and information of the group users in a preset time period according to a preset period under the condition that a user interest calculation input is received.

The automatic interest data processing device provided by the embodiment of the invention can divide the interest data, determine the group users in the first state according to the set identification when the group user data changes, calculate the interest of each group user in the group users in the first state, obtain the internal interest, bank interest and external interest of each group user in the cash pool, and obtain accurate various interest distribution results.

Each module/unit in the apparatus shown in fig. 3 has a function of implementing each step in fig. 1, and can achieve the corresponding technical effect, and for brevity, the description is not repeated here.

Fig. 4 is a schematic diagram illustrating a hardware structure of an automatic interest bearing data processing device according to an embodiment of the present invention.

The automated teller machine data processing apparatus may include a processor 401 and a memory 402 having stored computer program instructions.

Specifically, the processor 401 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement the embodiments of the present invention.

Memory 402 may include mass storage for data or instructions. By way of example, and not limitation, memory 402 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, tape, or Universal Serial Bus (USB) Drive or a combination of two or more of these. In one example, memory 402 may include removable or non-removable (or fixed) media, or memory 402 is non-volatile solid-state memory. The memory 402 may be internal or external to the integrated gateway disaster recovery device.

In one example, memory 402 may include Read Only Memory (ROM), Random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory 402 includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform operations described with reference to a method in accordance with an aspect of the invention.

The processor 401 reads and executes the computer program instructions stored in the memory 402 to implement the methods/steps S110 to S130 in the embodiment shown in fig. 1, and achieve the corresponding technical effects achieved by the embodiment shown in fig. 1 executing the methods/steps thereof, which are not described herein again for brevity.

In one example, the interest-bearing automation data processing device may also include a communication interface 403 and a bus 410. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected via a bus 410 to complete communication therebetween.

The communication interface 403 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present invention.

Bus 410 comprises hardware, software, or both that couple the components of the clique membership device to each other. By way of example, and not limitation, a Bus may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (Front Side Bus, FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a Micro Channel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus or a combination of two or more of these. Bus 410 may include one or more buses, where appropriate. Although specific buses have been described and shown in the embodiments of the invention, any suitable buses or interconnects are contemplated by the invention.

The automatic data processing equipment for interest bearing can execute the automatic data processing method for group user interest bearing in the embodiment of the invention based on the interest bearing data, the group user information and the group user identification, thereby realizing the automatic data processing method for interest bearing described in combination with the figure 1.

In addition, in combination with the automatic data processing method for interest bearing in the above embodiments, embodiments of the present invention may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the above embodiments of the method of automated data processing.

An embodiment of the present invention provides a computer program product, where instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to execute any one of the above-mentioned information-bearing automated data processing methods.

It is to be understood that the invention is not limited to the specific arrangements and instrumentality described above and shown in the drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present invention are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications and additions or change the order between the steps after comprehending the spirit of the present invention.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic Circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranets, etc.

It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

Aspects of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present invention are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.

Claims

1. An automated data processing method for interest, comprising:

determining a first resource occupation ratio of each group user in a first state in the group users, a second resource occupation ratio of the group users in a second state and a third resource occupation ratio of each group user in the group users in the first state according to the state of the group users and the contributed resources;

calculating the interest of the group users in the second state according to the interest data and the second resource ratio;

calculating second interest of each group user in the first state according to the interest data and the first resource proportion of each group user in the first state;

2. The method of claim 1, wherein the interest data comprises in-memory and out-of-memory interests, the in-memory interests comprising cash bank internal interests and bank interests, the out-of-memory interests comprising interests other than cash bank internal interests and bank interests;

the calculating the interest of the group users in the second state according to the interest data and the second resource proportion comprises the following steps:

3. The method of claim 2, wherein said calculating a second interest for each corporate user in a first state based on said interest data and a first resource share for each corporate user in the first state comprises:

4. The method according to any one of claims 1 to 3, wherein the obtaining interest data of the group user and information of the group user in a preset time period in case of receiving the user interest-bearing input, the information of the group user comprising information of a group user status and contribution resources of the group user, the group user status comprising a first status and a second status comprises:

acquiring the identification of group users;

5. The method according to any one of claims 1 to 3, wherein the obtaining interest data of the group user and the information of the group user in a preset time period in case of receiving the user interest-bearing input comprises:

6. An automated interest-bearing data processing apparatus, the apparatus comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring interest data of group users and information of the group users in a preset time period under the condition of receiving interest input, the information of the group users comprises information of group user states and contribution resources of the group users, and the group user states comprise a first state and a second state;

a determining module, configured to determine, according to the states of the group users and the contributed resources, a first resource occupation ratio of each group user in the first state, a second resource occupation ratio of the group user in the second state, and a third resource occupation ratio of each group user in the group users in the first state;

the calculation module is further used for calculating a second interest of each group user in the first state according to the interest data and the first resource proportion of each group user in the first state;

the determining module is used for determining the target interest of the group user in the first state according to the first interest and the second interest.

7. The apparatus of claim 6, wherein the interest data comprises in-memory and out-of-memory interests, the in-memory interests comprising cash bank internal interests and bank interests, the out-of-memory interests comprising interests other than cash bank internal interests and bank interests;

and the calculation module is used for respectively calculating internal interest, bank interest and external deposit interest of the cash pool of the second state group user according to the interest data and the second resource ratio.

8. The apparatus of claim 7, wherein the means for calculating a second interest for each group user in the first state based on the interest data and a first resource share for each group user in the first state comprises:

and the calculation module is used for calculating the internal interest of the second cash pool, the second bank interest and the second external deposit interest of each group user in the first state according to the interest data and the first resource proportion of each group user in the first state.

9. The apparatus according to any one of claims 6 to 8, wherein the obtaining module is configured to obtain interest data of a group user and information of the group user in a preset time period in case of receiving a user interest calculation input, the information of the group user including information of a group user status and contribution resources of the group user, the group user status including a first status and a second status, and includes:

the determining module is configured to determine that the group user identified as the second identified user is a group user in the second state.

10. The apparatus according to any one of claims 6 to 8, wherein the obtaining module is configured to obtain interest data of the corporate user and information of the corporate user in a preset time period in case of receiving a user interest input, and includes:

the acquisition module is used for acquiring interest data of the group users and information of the group users in a preset time period according to a preset period under the condition that the user interest counting input is received.

11. An automated data processing apparatus for interest, the apparatus comprising: a processor, and a memory storing computer program instructions;

the processor reads and executes the computer program instructions to implement the automated data processing method of interest according to any one of claims 1 to 5.

12. A computer storage medium having computer program instructions stored thereon which, when executed by a processor, implement the automated data processing method of interest as claimed in any one of claims 1 to 5.

13. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the method of interest-bearing automated data processing according to any one of claims 1-5.