CN114936913A - Interest counting method and device, electronic equipment and computer storage medium - Google Patents
Interest counting method and device, electronic equipment and computer storage medium Download PDFInfo
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Abstract
The application discloses an interest-bearing method, an interest-bearing device, electronic equipment and a computer storage medium, which can be applied to the field of big data or the field of finance. The method comprises the following steps: when an input interest starting instruction with an interest date is obtained, searching a first interest rate table, and determining whether a target interest rate corresponding to the interest date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date; and calculating the deposit interest of each user according to the account balance and the target interest rate in the account information of each user. In the scheme, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; whether a target interest rate corresponding to the interest counting date exists in the first interest rate table or not is determined by searching the first interest rate table, so that the target interest rate is rapidly acquired, and the efficiency of interest counting can be improved.
Description
Technical Field
The present invention relates to the field of liquidation technologies, and in particular, to an interest-counting method and apparatus, an electronic device, and a computer storage medium.
Background
Large banks have the characteristics of huge client base number and frequent business handling, and deposit is used as the traditional business and main fund source of the banks, so that the business volume is huge naturally. The deposit business happens all the time and a deposit or withdrawal is accompanied with the system to process deposit interest, so the processing efficiency (namely interest counting efficiency) of the deposit interest is very important. On one hand, the interest counting efficiency is improved, the time consumption of service handling is reduced, the customer experience can be improved, and the customer satisfaction is improved; on the other hand, interest processing is one of core modules of deposit business, and the interest efficiency is improved, so that the data processing capacity is enhanced, and the stability and the robustness of the system can be improved.
The standard interest rate is not fixed, but on the contrary, factors such as currency supply and demand, currency expansion, national economic policies, international situation, interest rate management system, laws and regulations and the like can all influence the change of the interest rate. When the system processes the interest rate, all reference interest rates are generally recorded in an interest rate history table, and if the interest rate changes, the new reference interest rate is continuously recorded in the interest rate history table. The traditional method of finding a benchmark interest rate is to directly access the interest rate history table.
Disclosure of Invention
In view of this, embodiments of the present invention provide an interest bearing method, an apparatus, an electronic device, and a computer storage medium, so as to solve the problem in the prior art that the interest bearing efficiency is low.
In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:
a first aspect of an embodiment of the present invention shows an interest counting method, where the method includes:
when an input interest starting instruction is obtained, account information of each user of a current bank is obtained, wherein the interest starting instruction carries an interest date;
searching a first interest rate table, and determining whether a target interest rate corresponding to the interest-counting date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change;
if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date;
and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
Optionally, the method further includes:
if the target interest rate corresponding to the interest date does not exist in the first interest rate table, searching a second interest rate table, and determining whether the target interest rate corresponding to the interest date exists in the second interest rate table or not, wherein the second interest rate table is determined by reference change of interest rate;
and determining that a target interest rate corresponding to the interest counting date exists in the second interest rate table, and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
Optionally, the determining the first rate table from the daily baseline rate change includes:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table in which the currently issued reference interest rate is stored.
Optionally, the determining the second rate table from the daily reference rate change includes:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and adding the reference interest rate to a second interest rate table to obtain the second interest rate table for storing each reference interest rate.
A second aspect of the embodiments of the present invention shows an interest counting apparatus, including:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring account information of each user of a current bank when an input interest starting instruction is acquired, and the interest starting instruction carries an interest date;
the interest rate obtaining module is used for searching a first interest rate table and determining whether a target interest rate corresponding to the interest date exists in the first interest rate table, and the first interest rate table is obtained by processing of the interest rate parameter management module; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date;
and the calculation module is used for calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
Optionally, the interest rate obtaining module is further configured to: if the target interest rate corresponding to the interest date does not exist in the first interest rate table, searching a second interest rate table, and determining whether the target interest rate corresponding to the interest date exists in the second interest rate table or not, wherein the second interest rate table is determined by reference change of interest rate; and determining that a target interest rate corresponding to the interest counting date exists in the second interest rate table, and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
Optionally, the interest rate parameter management module is configured to: acquiring a reference interest rate in a currently issued reference interest rate change system;
and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table in which the currently issued reference interest rate is stored.
Optionally, the interest rate parameter management module is further configured to:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and adding the reference interest rate to a second interest rate table to obtain the second interest rate table for storing each reference interest rate.
A third aspect of the embodiments of the present invention shows an electronic device, where the electronic device is configured to run a program, and when the program runs, the electronic device executes any of the above methods according to the first aspect of the embodiments of the present invention.
A fourth aspect of the embodiments of the present invention shows a computer storage medium, where the storage medium includes a storage program, and when the program runs, a device on which the storage medium is located is controlled to execute any of the above described methods according to the first aspect of the embodiments of the present invention.
Based on the above method, apparatus, electronic device and computer storage medium for providing information, the method includes: when an input interest starting instruction is obtained, account information of each user of a current bank is obtained, wherein the interest starting instruction carries an interest date; searching a first interest rate table, and determining whether a target interest rate corresponding to the interest-counting date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date; and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate. In the embodiment of the invention, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; when a interest starting instruction is given, a first interest rate table is searched, whether a target interest rate corresponding to an interest date exists in the first interest rate table or not is determined, the target interest rate corresponding to the interest date exists in the first interest rate table is determined, the target interest rate is rapidly acquired, and if the target interest rate corresponding to the interest date is acquired. The target interest rate can be obtained more quickly in the mode, and then the interest calculation efficiency can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart illustrating an information accounting method according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating an exemplary message processing in accordance with an embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating the construction of a first interest rate table according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating construction of a second rate table according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of an information apparatus according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
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 given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, 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 an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
It should be noted that the method, the device, the electronic equipment and the computer storage medium for providing the information can be used in the field of big data or the field of finance. The above description is only an example, and does not limit the application fields of the method, the apparatus, the electronic device, and the computer storage medium provided by the present invention.
In the embodiment of the invention, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; when a interest starting instruction is given, a first interest rate table is searched, whether a target interest rate corresponding to an interest date exists in the first interest rate table or not is determined, the target interest rate corresponding to the interest date exists in the first interest rate table is determined, the target interest rate is rapidly acquired, and if the target interest rate corresponding to the interest date is acquired. The target interest rate can be obtained more quickly in the mode, and then the interest calculation efficiency can be improved.
Referring to fig. 1, a schematic flow chart of an information recording method according to an embodiment of the present invention is shown, where the method includes:
step S101: and when the input interest starting instruction is acquired, acquiring the account information of each user of the current bank.
In step S101, the interest starting command carries an interest date.
In the process of implementing step S101 specifically, when an interest start instruction with an interest date input by a bank employee is obtained, account information of each user of the current bank is obtained.
It should be noted that the bank needs the client who handles daily on-line transactions to handle deposit transactions, and also handles daily interest accumulation transactions for daily batch processing of deposit accounts.
Step S102: searching a first interest rate table, determining whether a target interest rate corresponding to the rest date exists in the first interest rate table, if the target interest rate corresponding to the rest date does not exist in the first interest rate table, executing step S103 and step S105, and if the target interest rate corresponding to the rest date exists in the first interest rate table, executing step S104 to step S105.
In step S102, the first rate table is determined from a reference rate change.
It should be noted that the first interest rate table is used to store only the latest reference interest rate, and the first interest rate table includes the interest rate data corresponding to the date and the basic interest rate.
Based on the first interest rate table constructed as described above, in the process of implementing step S102, the first interest rate table is traversed to determine whether the target interest rate corresponding to the interest date is stored in the first interest rate table, if it is determined that the target interest rate corresponding to the interest date does not exist in the first interest rate table, step S103 and step S105 are executed, and if it is determined that the target interest rate corresponding to the interest date exists in the first interest rate table, step S104 to step S105 are executed.
Step S103: searching a second interest rate table, determining whether a target interest rate corresponding to the interest-counting date exists in the second interest rate table, if so, executing step S104, if not, acquiring a zero interest rate, and then executing step S105.
In step S103, the second rate table is determined from the reference rate change.
It should be noted that the second interest rate table is used for recording the reference interest rate of each release, and the second interest rate table includes the interest rate data corresponding to the date and the basic interest rate.
Based on the second interest rate table, since the data stored in the data table stored in the second interest rate table in the first interest rate table is more data, the traversing speed will be slow, in the process of the specific implementation step S103, the second interest rate table is traversed, whether the target interest rate corresponding to the interest-counting date exists in the second interest rate table is determined, if it is determined that the target interest rate corresponding to the interest-counting date exists in the second interest rate table, step S104 is executed, if it is determined that the target interest rate corresponding to the interest-counting date does not exist in the second interest rate table, a zero interest rate is obtained, and then step S105 is executed.
Step S104: and acquiring the target interest rate corresponding to the interest date.
In the process of specifically implementing step S104, a target interest rate corresponding to the interest point in the first interest rate table or the second interest rate table is obtained, and obtained.
Step S105: and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
In the process of implementing step S105, an account balance in the account information of a user and the target interest rate are used for calculation to determine deposit interest of each user.
In the embodiment of the present application, based on the specific interest counting method flowchart shown in fig. 1, correspondingly, a flowchart of interest counting processing is also correspondingly disclosed in the embodiment of the present application, as shown in fig. 2.
In the embodiment of the invention, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; when the interest starting instruction is given, a first interest rate table is searched, whether a target interest rate corresponding to the interest date exists in the first interest rate table or not is determined, the target interest rate corresponding to the interest date exists in the first interest rate table is determined, the target interest rate is rapidly obtained, and if the target interest rate corresponding to the interest date is obtained, the target interest rate corresponding to the interest date is obtained. The target interest rate can be obtained more quickly in the mode, and then the interest calculation efficiency can be improved.
Alternatively, the process of determining the first rate table from the daily baseline rate change, as shown in fig. 3, comprises:
step S301: and acquiring the reference interest rate in the currently issued reference interest rate change system.
Optionally, the daily benchmark interest rate is formulated according to the actual situation of the financial market, and is released to the benchmark interest rate change system so as to be acquired by each bank system. In the process of implementing step S301 specifically, the bank system acquires the reference interest rate in the currently issued reference interest rate change system.
Step S302: and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table in which the currently issued reference interest rate is stored.
In the process of implementing step S302 specifically, it is determined whether the first interest rate table is empty, and if the first interest rate table is empty, the reference interest rate is directly written into the first interest rate table to obtain the first interest rate table in which the currently issued reference interest rate is stored; and if the first interest rate table is determined not to be empty, deleting the originally stored reference interest rate data in the first interest rate table, and writing the reference interest rate into the first interest rate table to obtain the first interest rate table in which the currently issued reference interest rate is stored.
It should be noted that the first interest rate table is used to store only the latest reference interest rate, and the first interest rate table includes the interest rate data corresponding to the date and the basic interest rate.
For example: the bank system acquires a reference interest rate in a reference interest rate change system released at 11 days 1 month in 2020, and determines that the reference interest rate at 1 day 1 month in 2020 is stored in the first interest rate table; deleting the reference interest rate of 1 month and 1 day 2020 in the first interest rate table, writing the reference interest rate released in 1 month and 11 days 2020 into the first interest rate table, and obtaining the first interest rate table in which the reference interest rate released currently is stored as shown in table (1).
Table (1):
| date of day | Reference interest rate |
| 2020/1/11 | 0.2 |
Then, if the bank system acquires the reference interest rate in the reference interest rate change system released in the current 2020 year 1 month 22 days, determining that the reference interest rate in 2020 year 1 month 11 days is stored in the first interest rate table; deleting the reference interest rate of 11 days in 1 month and 2020 in the first interest rate table, and writing the reference interest rate released in 22 days in 1 month and 2020 into the first interest rate table, as shown in table (2), to obtain the first interest rate table in which the reference interest rate currently released is stored.
Table (2):
in the embodiment of the invention, the reference interest rate in the currently issued reference interest rate change system is obtained, the originally stored reference interest rate data in the first interest rate table is deleted, and then the reference interest rate is written into the first interest rate table to obtain the first interest rate table in which the currently issued reference interest rate is stored. So that the latest issued reference interest rate is stored in the first interest rate table; when a interest starting instruction is given, a first interest rate table is searched, whether a target interest rate corresponding to an interest date exists in the first interest rate table or not is determined, the target interest rate corresponding to the interest date exists in the first interest rate table is determined, the target interest rate is rapidly acquired, and if the target interest rate corresponding to the interest date is acquired. The target interest rate can be obtained more quickly by the method, and then the efficiency of interest calculation can be improved.
It should be noted that the process of determining the second rate table from the daily baseline rate change, as shown in fig. 4, includes:
step S401: and acquiring the reference interest rate in the currently issued reference interest rate change system.
Optionally, the daily benchmark interest rate is formulated according to the actual situation of the financial market, and is released to the benchmark interest rate change system so as to be acquired by each bank system. In the process of implementing step S401 specifically, the bank system acquires the reference interest rate in the currently issued reference interest rate change system.
Step S402: and adding the reference interest rate to a second interest rate table to obtain a second interest rate table for storing each reference interest rate.
In the process of implementing step S402, a basic interest rate is inserted into the second interest rate table to obtain a second interest rate table storing each reference interest rate.
It should be noted that the second interest rate table is used for recording the reference interest rate of each release, and the second interest rate table includes the interest rate data corresponding to the date and the basic interest rate.
For example: the bank system acquires the reference interest rate in the reference interest rate change system released at 11 days 1 month in 2020 at present, and determines that the reference interest rate at 1 day 1 month in 2020 is stored in the second interest rate table; inserting the reference interest rates released in 1 month and 11 days of 2020 into the second interest rate table to obtain a second interest rate table storing each reference interest rate, as shown in table (3).
Table (3):
| date of day | Reference interest rate |
| 2020/1/1 | 0.1 |
| 2020/1/11 | 0.2 |
Then, if the bank system acquires the reference interest rate in the reference interest rate change system released in 1/22 th of 2020 at present, determining that the reference interest rate of 1/1 th of 2020 and the reference interest rate released in 11 th of 1/11 th of 2020 are stored in the second interest rate table; and inserting the reference interest rates released in 22 days 1 month in 2020 into the second interest rate table to obtain a second interest rate table storing each reference interest rate, as shown in table (4).
Table (4):
| date | Reference interest rate |
| 2020/1/1 | 0.1 |
| 2020/1/11 | 0.2 |
| 2020/1/22 | 0.3 |
In the embodiment of the invention, the reference interest rate in the currently released reference interest rate change system is obtained, the reference interest rate is added to a second interest rate table to obtain a second interest rate table for storing each reference interest rate, so as to construct a second interest rate table for storing each reference interest rate, when a interest starting instruction is given, the first interest rate table is searched, whether a target interest rate corresponding to a interest date exists in the first interest rate table or not is determined, and the target interest rate corresponding to the interest date does not exist in the first interest rate table; and searching a second interest rate table to obtain the target interest rate corresponding to the interest date. The target interest rate can be obtained more quickly in the mode, and then the interest calculation efficiency can be improved.
Corresponding to the above method for counting information in the embodiment of the present invention, an information counting apparatus is also disclosed in the embodiment of the present invention, as shown in fig. 5, which is a schematic structural diagram of an information counting apparatus in the embodiment of the present invention, and the apparatus includes:
the obtaining module 501 is configured to obtain account information of each user of the current bank when an input interest starting instruction is obtained, where the interest starting instruction carries an interest date.
An interest rate obtaining module 502, configured to search a first interest rate table, and determine whether a target interest rate corresponding to the interest date exists in the first interest rate table, where the first interest rate table is obtained by processing by an interest rate parameter management module 504; and if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date.
A calculating module 503, configured to calculate the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
It should be noted that, the specific principle and the implementation process of each unit in the information recording apparatus disclosed in the embodiment of the present application are the same as those of the information recording method described in the embodiment of the present application, and reference may be made to corresponding parts in the information recording method disclosed in the embodiment of the present application, and details are not described here again.
In the embodiment of the invention, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; when a interest starting instruction is given, a first interest rate table is searched, whether a target interest rate corresponding to an interest date exists in the first interest rate table or not is determined, the target interest rate corresponding to the interest date exists in the first interest rate table is determined, the target interest rate is rapidly acquired, and if the target interest rate corresponding to the interest date is acquired. The target interest rate can be obtained more quickly by the method, and then the efficiency of interest calculation can be improved.
Based on the above interest rate obtaining module 502 of the interest rate calculating device according to the embodiment of the present invention, the interest rate obtaining module is further configured to: if the target interest rate corresponding to the interest date does not exist in the first interest rate table, searching a second interest rate table, and determining whether the target interest rate corresponding to the interest date exists in the second interest rate table or not, wherein the second interest rate table is determined by reference interest rate change; and determining that a target interest rate corresponding to the interest date exists in the second interest rate table, and calculating deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
In the embodiment of the invention, a new first interest rate table is set, so that the latest issued reference interest rate is stored in the first interest rate table; setting a second interest rate table to store each reference interest rate, searching a first interest rate table when a rest starting instruction is given, determining whether a target interest rate corresponding to a rest date exists in the first interest rate table, and determining that the target interest rate corresponding to the rest date does not exist in the first interest rate table; and searching a second interest rate table to obtain the target interest rate corresponding to the interest counting date. The target interest rate can be obtained more quickly by the method, and then the efficiency of interest calculation can be improved.
Based on the above-mentioned interest rate parameter management module 504, the interest rate parameter management module is configured to: acquiring a reference interest rate in a currently issued reference interest rate change system;
and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table stored with the currently issued reference interest rate.
Based on the above interest rate parameter management module 504, the interest rate parameter management module is further configured to:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and adding the reference interest rate to a second interest rate table to obtain the second interest rate table for storing each reference interest rate.
Based on the data processing apparatus disclosed in the embodiment of the present disclosure, the modules may be implemented by a hardware device including a processor and a memory. Specifically, the modules are stored in a memory as program units, and a processor executes the program units stored in the memory to implement text processing.
The processor comprises a kernel, and the kernel calls a corresponding program unit from the memory. One or more than one kernel can be set, and the mirror image security reinforcement is realized by adjusting kernel parameters.
The embodiment of the disclosure provides a computer storage medium, which includes a stored text processing program, wherein when the program is executed by a processor, the program implements the information method described in fig. 1 to 3.
The embodiment of the present disclosure provides a processor, where the processor is configured to execute a program, where the program executes the information control method described in fig. 1 to 3 when running.
The disclosed embodiment provides an electronic device, and as shown in fig. 6, the electronic device 60 in the disclosed embodiment may be a server, a PC, a PAD, a mobile phone, or the like.
The electronic device 60 comprises at least one processor 61, and at least one memory 62 connected to the processor 61, and a bus 63.
The processor 61 and the memory 62 communicate with each other via a bus 63. A processor 61 for executing the programs stored in the memory 62.
A memory 62 for storing a program for at least: when an input interest starting instruction is obtained, account information of each user of a current bank is obtained, wherein the interest starting instruction carries an interest date; searching a first interest rate table, and determining whether a target interest rate corresponding to the interest-counting date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date; and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
The present application further provides a computer program product adapted to perform a program for initializing the following method steps when executed on an electronic device:
when an input interest starting instruction is obtained, account information of each user of a current bank is obtained, wherein the interest starting instruction carries an interest date; searching a first interest rate table, and determining whether a target interest rate corresponding to the interest-counting date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date; and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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, embedded processor, 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, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a device includes one or more processors (CPUs), memory, and a bus. The device may also include input/output interfaces, network interfaces, and the like.
The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip. The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the 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 modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement without inventive effort.
Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the components and steps of the various examples have been described above generally in terms of their functionality in order to clearly illustrate this 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 invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method of interest, the method comprising:
when an input interest starting instruction is obtained, account information of each user of a current bank is obtained, wherein the interest starting instruction carries an interest date;
searching a first interest rate table, and determining whether a target interest rate corresponding to the interest-counting date exists in the first interest rate table, wherein the first interest rate table is determined by reference interest rate change;
if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date;
and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
2. The method of claim 1, further comprising:
if the target interest rate corresponding to the interest date does not exist in the first interest rate table, searching a second interest rate table, and determining whether the target interest rate corresponding to the interest date exists in the second interest rate table or not, wherein the second interest rate table is determined by reference change of interest rate;
and determining that a target interest rate corresponding to the interest date exists in the second interest rate table, and calculating deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
3. The method of claim 1, wherein determining the first rate table from the daily baseline rate changes comprises:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table in which the currently issued reference interest rate is stored.
4. The method of claim 2, wherein determining the second rate table from the daily baseline rate changes comprises:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and adding the reference interest rate to a second interest rate table to obtain a second interest rate table for storing each reference interest rate.
5. An apparatus for counting, the apparatus comprising:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring account information of each user of a current bank when an input interest starting instruction is acquired, and the interest starting instruction carries an interest date;
the interest rate obtaining module is used for searching a first interest rate table and determining whether a target interest rate corresponding to the interest date exists in the first interest rate table, and the first interest rate table is obtained by processing of the interest rate parameter management module; if the target interest rate corresponding to the interest date exists in the first interest rate table, acquiring the target interest rate corresponding to the interest date;
and the calculating module is used for calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
6. The apparatus of claim 5, wherein the interest rate obtaining module is further configured to: if the target interest rate corresponding to the interest date does not exist in the first interest rate table, searching a second interest rate table, and determining whether the target interest rate corresponding to the interest date exists in the second interest rate table or not, wherein the second interest rate table is determined by reference interest rate change; and determining that a target interest rate corresponding to the interest counting date exists in the second interest rate table, and calculating the deposit interest of each user according to the account balance in the account information of each user and the target interest rate.
7. The apparatus of claim 5, wherein the interest rate parameter management module is configured to: acquiring a reference interest rate in a currently issued reference interest rate change system;
and covering the reference interest rate stored in the first interest rate table with the reference interest rate to obtain the first interest rate table in which the currently issued reference interest rate is stored.
8. The apparatus of claim 6, wherein the interest rate parameter management module is further configured to:
acquiring a reference interest rate in a currently issued reference interest rate change system;
and adding the reference interest rate to a second interest rate table to obtain the second interest rate table for storing each reference interest rate.
9. An electronic device, characterized in that the electronic device is configured to run a program, wherein the program when running performs the method of claim 1-4.
10. A computer storage medium, characterized in that the storage medium comprises a stored program, wherein the program, when running, controls a device on which the storage medium is located to execute the method of any one of claims 1-4.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210527753.2A CN114936913A (en) | 2022-05-16 | 2022-05-16 | Interest counting method and device, electronic equipment and computer storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210527753.2A CN114936913A (en) | 2022-05-16 | 2022-05-16 | Interest counting method and device, electronic equipment and computer storage medium |
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| CN114936913A true CN114936913A (en) | 2022-08-23 |
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| CN202210527753.2A Pending CN114936913A (en) | 2022-05-16 | 2022-05-16 | Interest counting method and device, electronic equipment and computer storage medium |
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| Country | Link |
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| CN (1) | CN114936913A (en) |
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