CN114936920A

CN114936920A - Bank interest-metering method, device, equipment and storage medium based on daily record

Info

Publication number: CN114936920A
Application number: CN202210572652.7A
Authority: CN
Inventors: 傅晓波; 段畅; 雷文; 李刚
Original assignee: Shenzhen One Ledger Science And Technology Service Co ltd
Current assignee: Shenzhen One Ledger Science And Technology Service Co ltd
Priority date: 2022-05-24
Filing date: 2022-05-24
Publication date: 2022-08-23

Abstract

The invention relates to an artificial intelligence technology, and discloses a bank interest counting method based on daily record, which comprises the following steps: acquiring daytime account change transaction information and confirming a plurality of transaction accounts with balance change; acquiring the amount of idle counting and upgrading process resources, and comparing the amount with the amount of a transaction account; if the number of idle counting and lifting process resources is larger than or equal to the number of the transaction accounts, simultaneously carrying out single interest counting and lifting on each transaction account; otherwise, acquiring the account information of each transaction account and determining the account grade of each transaction account; and selecting the transaction account with the same resource quantity as the idle interest-recording process from high to low according to the account grade to record the interest in a single interest record. In addition, the invention also relates to a block chain technology, and the account information can be stored in the nodes of the block chain. The invention also provides a bank interest counting device based on daily record, electronic equipment and a storage medium. The invention can improve the working efficiency of the bank counting and submitting system.

Description

Bank interest-metering method, device, equipment and storage medium based on daily record

Technical Field

The invention relates to the technical field of artificial intelligence, in particular to a bank interest counting method and device based on daily record, electronic equipment and a computer readable storage medium.

Background

Along with the improvement of living standard of people, more and more people select bank savings to manage money, but in order to provide real-time business service for bank customers and improve the savings experience of users, massive account moving information needs to be counted and improved so as to guarantee the operation of business.

The existing bank counting and lifting method is mostly batch counting and lifting at a daily cutting moment. In practical application, the loan storage service has rich product types and flexible service forms, and the calculation and extraction logic is extremely complex. In addition, because bank customer resources are abundant and account amount is huge, the batch counting and batch taking task is abnormally heavy at the end of every day, and the counting and batch taking system of the bank is low in efficiency.

Disclosure of Invention

The invention provides a bank interest counting method and device based on daily counting and a computer readable storage medium, and mainly aims to solve the problem that a counting and submitting system of a bank is low in efficiency.

In order to achieve the purpose, the bank interest counting method based on daily record provided by the invention comprises the following steps:

acquiring daytime dynamic account transaction information, and confirming a plurality of transaction accounts with balance change according to the daytime dynamic account transaction information;

acquiring the quantity of idle counting and lifting process resources, and comparing the quantity of the idle counting and lifting process resources with the quantity of the transaction account;

if the number of the idle billing process resources is larger than or equal to the number of the transaction accounts, simultaneously performing single interest billing on each transaction account;

if the number of the idle counting and lifting process resources is smaller than the number of the transaction accounts, acquiring account information of each transaction account, and determining the account grade of each transaction account according to the account information;

and selecting the transaction account with the same amount as the idle interest-calculating process resources according to the account grade of the transaction account from high to low, and performing single interest calculation on the selected transaction account.

Optionally, the obtaining the idle count-up process resource amount includes:

sending a communication request instruction to a resource server;

performing handshake linkage with the resource server according to a preset communication request instruction;

sending a resource checking instruction to the resource server through the handshake link to obtain the number of idle resources of the server;

receiving the number of the idle resources of the server, and converting the number of the idle resources of the server into the number of the idle counting and lifting process resources.

Optionally, the converting the number of idle resources of the server into the number of idle resource counting and lifting processes includes:

acquiring preset single-stroke counting resource occupation, and classifying the single-stroke counting resource occupation according to the CPU, the memory, the hard disk and the bandwidth resource occupation to obtain multiple single-stroke counting resource occupation;

obtaining parameters of a resource allocation algorithm of the resource server according to the single counting and extracting item resource occupation amount and the server idle resource quantity;

configuring a resource allocation algorithm through the parameters of the resource allocation algorithm, and tentatively allocating resources according to the resource allocation algorithm to obtain the safe number of each single counting and increasing the occupancy rate of the single resource;

and obtaining the minimum safe quantity in the safe quantities of the occupation quantities of the single counting and lifting item resources according to a barrel principle, wherein the minimum safe quantity is the quantity of the idle counting and lifting process resources.

Optionally, the simultaneously performing a single interest bearing on each of the transaction accounts includes:

filling balance tables according to the daily final balance of each transaction account;

adding the balance of each transaction account in the interest period according to a balance list to obtain an accumulated number;

and multiplying the accumulated number by the daily interest rate of the transaction account to obtain the interest due to the single interest improvement of the transaction account.

Optionally, the obtaining account information of each transaction account includes:

dividing the account information into account information sentences;

dividing the account information sentence into account information words, and setting word vectors for the account information words;

and constructing an account information matrix of the account information according to the account information words, and obtaining sentence vectors of the account information sentences.

Optionally, the determining an account rating for each of the transaction accounts according to the account information includes:

dividing a preset account grade pool into a plurality of customer grade index pools according to daily average deposit data, overdue arrearage records and historical storage records from high to low;

performing text word segmentation on each customer grade index pool to obtain core words, and matrixing the core words to obtain core word codes;

the core words are coded and converted to obtain sentence vectors of core sentences;

and matching the sentence vector of the core sentence with the sentence vector of the account information sentence, and determining the account level of the account in the client level index pool according to the matching result.

Optionally, the selecting, from high to low, a transaction account with the same amount as the idle promotion process resource amount according to the account level of the transaction account includes:

arranging the account grades of the transaction accounts from high to low to obtain a grade queue;

and selecting the transaction accounts with the same quantity as the idle counting and lifting process resources from the level queue according to the sequence from front to back.

In order to solve the above problem, the present invention further provides a bank interest-counting device based on daily record, the device comprising:

the account information acquisition module is used for acquiring day account change transaction information and confirming a plurality of transaction accounts with balance change according to the day account change transaction information;

the resource quantity comparison module is used for acquiring the quantity of idle counting and lifting process resources and comparing the quantity of the idle counting and lifting process resources with the quantity of the transaction account;

the first single-stroke charging and lifting module is used for simultaneously charging and lifting single interest of each transaction account when the number of idle charging and lifting process resources is greater than or equal to the number of the transaction accounts;

the account grade dividing module is used for acquiring the account information of each transaction account when the number of the idle counting and lifting process resources is less than the number of the transaction accounts, and determining the account grade of each transaction account according to the account information;

and the second single-stroke interest-recording module is used for selecting the transaction account with the same resource quantity as the idle record-recording process according to the account grade of the transaction account from high to low and carrying out single interest recording on the selected transaction account.

In order to solve the above problem, the present invention also provides an electronic device, including:

at least one processor; and (c) a second step of,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the daytime issue-based bank interest method described above.

In order to solve the above problem, the present invention further provides a computer-readable storage medium, in which at least one computer program is stored, the at least one computer program being executed by a processor in an electronic device to implement the daytime-based bank interest accounting method described above.

The embodiment of the invention can effectively reduce the pressure of the terminal daily batch running by simultaneously carrying out single interest improvement on each transaction account, break the performance bottleneck of the system, improve the settlement efficiency of the bank and reduce the expenditure for expanding system hardware; the resource allocation algorithm is used for tentatively allocating the resources, so that deadlock in the system process can be avoided, the fault tolerance of the system is improved, the robustness of the system is enhanced, and the safe and stable operation of the system is ensured; and selecting the transaction account with the same quantity as the idle promotion process resources according to the account grade of the transaction account from high to low, and promoting the selected transaction account by single interest bearing to ensure the user experience of the high-grade account, so that the high-grade account has more attribution feeling, the account differentiation is reflected, and the client stickiness is enhanced. Therefore, the bank interest counting method and device based on daily counting, the electronic equipment and the computer readable storage medium can solve the problem of low efficiency of a counting and submitting system of a bank.

Drawings

Fig. 1 is a schematic flow chart of a bank interest metering method based on a daytime teller according to an embodiment of the present invention;

fig. 2 is a schematic flowchart of a process for obtaining the number of resources of the idle counting and upgrading process according to an embodiment of the present invention;

fig. 3 is a schematic flowchart of a process for converting the number of idle resources of the server into the number of idle resources counted and counted in the process according to an embodiment of the present invention;

FIG. 4 is a functional block diagram of a daily teller machine-based bank teller device according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an electronic device for implementing the bank interest counting method based on the daytime running record according to an embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

The embodiment of the application provides a bank interest counting method based on daily record. The main executing body of the bank interest counting method based on the daytime service comprises but is not limited to at least one of electronic devices such as a server and a terminal which can be configured to execute the method provided by the embodiment of the application. In other words, the bank interest counting method based on the daytime points can be executed by software or hardware installed in a terminal device or a server device, and the software can be a block chain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, and the like. The server may be an independent server, or may be a cloud server that provides basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, a middleware service, a domain name service, a security service, a Content Delivery Network (CDN), a big data and artificial intelligence platform, and the like.

Fig. 1 is a schematic flow chart of a bank interest-counting method based on daily record according to an embodiment of the present invention. In this embodiment, the bank interest counting method based on daily record includes:

s1, acquiring day account movement transaction information, and confirming a plurality of transaction accounts with balance change according to the day account movement transaction information;

in the embodiment of the invention, the daytime account-shifting transaction information includes, but is not limited to, local account transfer, cross-bank account transfer, internal account transfer and the like.

In detail, the daytime ledger transaction information comes from an interactive front end, which may be any system capable of performing data interaction with the outside, such as a mobile phone bank of a customer mobile terminal, a self-service terminal of a bank outlet, an employee terminal inside a bank, and the like.

In an embodiment of the present invention, the determining, according to the daily account movement transaction information, a plurality of transaction accounts with balance change includes:

extracting a transaction account information URL address from the daytime ledger transaction information;

analyzing the path parameter of the transaction account information URL address;

and connecting a preset database by using the path parameters to obtain the transaction account information in the preset database.

S2, acquiring the number of idle counting and lifting process resources, and comparing the number of idle counting and lifting process resources with the number of transaction accounts;

in the embodiment of the present invention, referring to fig. 2, the acquiring the number of idle count-up process resources includes:

s21, sending a communication request instruction to the resource server;

s22, performing handshake linkage with the resource server according to a preset communication request instruction;

s23, sending a resource checking instruction to the resource server through the handshake link to obtain the number of idle resources of the server;

s24, receiving the number of the server idle resources, and converting the number of the server idle resources into the number of the idle counting process resources.

In particular, the resource servers include, but are not limited to, database servers, application servers, and intermediate servers.

Specifically, the process resource includes a CPU, a memory, a hard disk, a bandwidth, and the like of the server.

In detail, the sending of the resource viewing instruction to the resource server includes, but is not limited to:

acquiring the disk occupation information of the resource server through a df-k instruction;

acquiring the total memory occupation information of the resource server through a free-m instruction;

acquiring CPU occupation information of the resource server through a top instruction;

and acquiring the bandwidth occupation information of the resource server through the iftop instruction.

In the embodiment of the present invention, referring to fig. 3, the converting the number of idle resources of the server into the number of idle resource counting and lifting processes includes:

s31, acquiring preset single-stroke counting and lifting resource occupation amount, and classifying the single-stroke counting and lifting resource occupation amount according to the CPU, the memory, the hard disk and the bandwidth resource occupation amount to obtain multiple single-stroke counting and lifting single-stroke resource occupation amount;

s32, obtaining parameters of a resource allocation algorithm of the resource server according to the single counting and lifting item resource occupation amount and the server idle resource amount;

s33, configuring a resource allocation algorithm through the parameters of the resource allocation algorithm, and trying to allocate resources according to the resource allocation algorithm to obtain the safe number of each single counting and lifting single resource occupation amount;

and S34, obtaining the minimum safety quantity in the safety quantities of the single counting and lifting item resource occupancy of the plurality of items according to the barrel principle, and determining the minimum safety quantity as the idle counting and lifting process resource quantity.

In detail, said heuristically allocating resources by a resource allocation algorithm comprises:

setting a resource vector Available, a maximum demand matrix Max, an Allocation matrix Allocation and a demand matrix Need, setting a Request as a Request vector of a process Pi, setting a Request [ j ] as K to represent that the process Pi needs K Rj types of resources, and after the process Pi sends a resource Request, checking by the system according to the following steps:

step one, if the Request [ j ] is less than or equal to the Need [ i, j ], then turning to step two, otherwise, considering the algorithm to be in error, because the number of resources required by the process exceeds the maximum value declared by the process;

step two, if the request [ j ] is less than or equal to Available [ j ], the step three is carried out, otherwise, the system does not have enough resources, and the process Pi needs to wait;

step three, the system tries to allocate the resource to the process Pi and modifies the values in the following data structure so that:

Available[j]＝Available[j]-Requesti[j]；

Allocation[i，j]＝Allocation[i，j]+Requesti[j]；

Need[i，j]＝Need[i，j]-Requesti[j]；

step four, the system executes a security algorithm, and checks whether the system is in a security state after the resource allocation;

if the process is safe, the resources are allocated to the process Pi to complete the allocation;

if not, the tentative allocation is invalidated, and the original resource allocation state is restored, so that the process Pi waits.

In detail, the system executes a security algorithm to check whether the system is in a secure state after the resource allocation, including:

step one, setting the following two vectors:

the working vector word represents the number of various resources required by the system for the process to continue to run, the working vector word contains m elements, and when the execution of the security algorithm is started, the word is made to be Available;

the end vector Finish indicates whether the system has enough resources to be allocated to the process, the end vector Finish can ensure that the process completely finishes running, when the execution of the security algorithm starts, the end vector Finish is firstly evaluated to enable Finish [ i ] to be false, and when enough resources are allocated to the process, the Finish [ i ] to be true is further enabled;

step two, finding a process which can meet the following conditions from the process set:

Finish[i]＝false；

Need[i，j]≤Work[j]；

if the process is found in the process set, executing the step three, otherwise, executing the step four;

step three, after the process Pi obtains the resource, the process Pi can be executed smoothly until the process Pi is completed, and the resource allocated to the process Pi is released, so that the following steps are executed:

Work[j]＝Work[j]+Allocation[i，j]；

Finish[i]＝true；

go to step 2；

and step four, if the Finish [ i ] of all the processes meets the condition, indicating that the system is in a safe state, otherwise, indicating that the system is in an unsafe state.

In the embodiment of the invention, the tentative allocation of the resources through the resource allocation algorithm can avoid the generation of deadlock in the system process, improve the fault tolerance of the system, enhance the robustness of the system and ensure the safe and stable operation of the system.

S3, if the number of the idle billing process resources is larger than or equal to the number of the transaction accounts, simultaneously carrying out single interest billing on each transaction account;

in an embodiment of the present invention, said simultaneously performing a single interest bearing on each of the transaction accounts includes:

In the embodiment of the invention, the pressure of the terminal daily batch running can be effectively reduced by simultaneously carrying out single interest counting on each transaction account, the performance bottleneck of a system is broken, the settlement efficiency of a bank is improved, and the expenditure for expanding system hardware is reduced.

S4, if the idle counting and lifting process resource quantity is less than the transaction account quantity, acquiring the account information of each transaction account, and determining the account grade of each transaction account according to the account information;

in an embodiment of the present invention, the account information may be user information pre-stored in the blockchain, including historical transaction data, transaction status, historical default, and accumulated credit report of the user.

In an embodiment of the present invention, the acquiring the account information of each transaction account includes:

dividing the account information into account information sentences;

and constructing an account information matrix of the account information according to the account information words, and obtaining a sentence vector of the account information sentence.

In detail, punctuation marks in the account information can be identified through a regular expression of a python statement, and the account information is divided into account information sentences.

Further, the account information sentence may be segmented into account information words by a two-way maximum matching algorithm.

In the embodiment of the invention, the account information matrix of the account information can be constructed through a text matrix tool.

In detail, the text matrixing tool may be a sklern library, which is a very powerful machine learning library provided by a python third party and can conveniently convert individual information words into numbers, thereby converting the account information into an account information matrix, which is convenient for a computer to process.

In an embodiment of the present invention, the determining the account level of each transaction account according to the account information includes:

Specifically, the dividing a preset account level pool into a plurality of client levels from high to low according to daily deposit data, overdue arrearage records and historical storage records comprises:

dividing the clients without overdue debt and with the average deposit daily sum of 500 ten thousand or more into private bank clients;

dividing clients with no overdue debt and deposit daily average sum of below 500 ten thousand yuan and 100 ten thousand yuan or more into diamond clients;

classifying clients with no overdue debt and deposit daily average sum of less than 100 ten thousand yuan and 50 ten thousand yuan or more as black money clients;

classifying clients with no overdue debt and deposit daily average sum of less than 50 ten thousand yuan and 30 ten thousand yuan or more as platinum clients;

classifying clients with no overdue debt and less than 30 ten thousand yuan per day of deposit and more than 10 ten thousand yuan into gold card clients;

the method comprises the following steps of (1) classifying clients without overdue debt and with the average daily deposit amount of less than 10 ten thousand yuan as common clients;

and classifying the clients with overdue debt records listed as refusal credits by the bank as blacklisted clients.

In the embodiment of the invention, the account grade of each transaction account is determined according to the account information, so that the account priority can be quickly determined when the system is busy, the influence on important transactions is avoided, and the performance loss caused by insufficient performance is reduced.

S5, selecting the transaction account with the same amount as the idle interest improvement process resource according to the account grade of the transaction account from high to low, and carrying out single interest improvement on the selected transaction account.

In an embodiment of the present invention, the selecting, according to the account level of the transaction account from high to low, a transaction account with the same amount as the idle promotion process resource amount includes:

Specifically, the step of acquiring the number of idle count-up process resources is the same as the step of acquiring the number of idle count-up process resources in S2.

Specifically, the step of single interest bearing on the selected transaction account is the same as the step of single interest bearing in S3.

In the embodiment of the invention, the transaction account with the same quantity as the idle withdrawal process resource is selected according to the account grade of the transaction account from high to low, and the user experience of the high-grade account can be ensured by carrying out single interest withdrawal on the selected transaction account, so that more attribution feelings are given to the high-grade account, account differentiation is reflected, and the client stickiness is enhanced.

The embodiment of the invention can effectively reduce the pressure of the end-of-day batch running by simultaneously carrying out single interest improvement on each transaction account, break the performance bottleneck of the system, improve the settlement efficiency of the bank and reduce the expenditure for expanding system hardware; the trial allocation of the resources by using the resource allocation algorithm can avoid the generation of deadlock in the system process, improve the fault tolerance of the system, enhance the robustness of the system and ensure the safe and stable operation of the system; and selecting the transaction account with the same quantity as the idle promotion process resources according to the account grade of the transaction account from high to low, and promoting the selected transaction account by single interest bearing to ensure the user experience of the high-grade account, so that the high-grade account has more attribution feeling, the account differentiation is reflected, and the client stickiness is enhanced. Therefore, the bank interest counting method and device based on daily counting, the electronic equipment and the computer readable storage medium can solve the problem of low efficiency of a counting and submitting system of a bank.

Fig. 4 is a functional block diagram of a bank interest device based on daily record according to an embodiment of the present invention.

The bank interest-counting device 100 based on daily record of the invention can be installed in electronic equipment. According to the realized functions, the bank interest device 100 based on the daily record can comprise an account information acquisition module 101, a resource quantity comparison module 102, a first single record recording module 103, an account grade division module 104 and a second single record recording module 105. The module of the present invention, which may also be referred to as a unit, refers to a series of computer program segments that can be executed by a processor of an electronic device and that can perform a fixed function, and that are stored in a memory of the electronic device.

In the present embodiment, the functions regarding the respective modules/units are as follows:

the account information acquisition module 101 is configured to acquire daytime running account transaction information, and determine a plurality of transaction accounts with balance change according to the daytime running account transaction information;

the resource quantity comparison module 102 is configured to obtain an idle counting and upgrading process resource quantity, and compare the idle counting and upgrading process resource quantity with the transaction account quantity;

the first single-stroke tally and lifting module 103 is configured to perform single interest tally and lifting on each transaction account simultaneously when the number of idle tally and lifting process resources is greater than or equal to the number of transaction accounts;

the account grade dividing module 104 is configured to, when the number of idle promotion process resources is smaller than the number of transaction accounts, obtain account information of each transaction account, and determine an account grade of each transaction account according to the account information;

the second single-stroke charging and raising module 105 is configured to select a transaction account with the same amount as the idle charging and raising process resource from high to low according to the account level of the transaction account, and perform single-stroke interest charging and raising on the selected transaction account.

In detail, when the modules in the bank interest counting device 100 based on daily record in the embodiment of the present invention are used, the same technical means as the bank interest counting method based on daily record described in fig. 1 to 3 is adopted, and the same technical effects can be produced, which is not described herein again.

Fig. 5 is a schematic structural diagram of an electronic device for implementing a bank interest method based on a daily record according to an embodiment of the present invention.

The electronic device 1 may comprise a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may further comprise a computer program, such as a daily-based bank interest program, stored in the memory 11 and executable on the processor 10.

In some embodiments, the processor 10 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or may be composed of a plurality of integrated circuits packaged with the same function or different functions, and includes one or more Central Processing Units (CPUs), a microprocessor, a digital Processing chip, a graphics processor, a combination of various control chips, and the like. The processor 10 is a Control Unit (Control Unit) of the electronic device, connects various components of the electronic device by using various interfaces and lines, and executes various functions and processes data of the electronic device by running or executing programs or modules stored in the memory 11 (for example, executing a daily-based bank interest program, etc.), and calling data stored in the memory 11.

The memory 11 includes at least one type of readable storage medium including flash memory, removable hard disks, multimedia cards, card-type memory (e.g., SD or DX memory, etc.), magnetic memory, magnetic disks, optical disks, etc. The memory 11 may in some embodiments be an internal storage unit of the electronic device, for example a removable hard disk of the electronic device. The memory 11 may also be an external storage device of the electronic device in other embodiments, such as a plug-in mobile hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the electronic device. Further, the memory 11 may also include both an internal storage unit and an external storage device of the electronic device. The memory 11 may be used not only to store application software installed in the electronic device and various types of data, such as codes of a daily-based bank interest program, etc., but also to temporarily store data that has been output or will be output.

The communication bus 12 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. The bus may be divided into an address bus, a data bus, a control bus, etc. The bus is arranged to enable connection communication between the memory 11 and at least one processor 10 or the like.

The communication interface 13 is used for communication between the electronic device and other devices, and includes a network interface and a user interface. Optionally, the network interface may include a wired interface and/or a wireless interface (e.g., WI-FI interface, bluetooth interface, etc.), which are typically used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a Display (Display), an input unit, such as a Keyboard (Keyboard), and optionally a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, or the like. The display, which may also be referred to as a display screen or display unit, is suitable, among other things, for displaying information processed in the electronic device and for displaying a visualized user interface.

Only electronic devices having components are shown, and those skilled in the art will appreciate that the structures shown in the figures do not constitute limitations on the electronic devices, and may include fewer or more components than shown, or some components in combination, or a different arrangement of components.

For example, although not shown, the electronic device may further include a power supply (such as a battery) for supplying power to each component, and preferably, the power supply may be logically connected to the at least one processor 10 through a power management device, so that functions of charge management, discharge management, power consumption management and the like are realized through the power management device. The power supply may also include any component of one or more dc or ac power sources, recharging devices, power failure detection circuitry, power converters or inverters, power status indicators, and the like. The electronic device may further include various sensors, a bluetooth module, a Wi-Fi module, and the like, which are not described herein again.

It is to be understood that the described embodiments are for purposes of illustration only and that the scope of the appended claims is not limited to such structures.

The daytime change based bank interest program stored in the memory 11 of the electronic device 1 is a combination of instructions that, when executed in the processor 10, enable:

acquiring daytime running account transaction information, and confirming a plurality of transaction accounts with balance change according to the daytime running account transaction information;

and selecting the transaction account with the same quantity as the idle withdrawal process resources according to the account grade of the transaction account from high to low, and carrying out single interest withdrawal on the selected transaction account.

Specifically, the specific implementation method of the instruction by the processor 10 may refer to the description of the relevant steps in the embodiment corresponding to the drawings, which is not described herein again.

Further, the integrated modules/units of the electronic device 1 may be stored in a computer-readable storage medium if they are implemented in the form of software functional units and sold or used as separate products. The computer readable storage medium may be volatile or non-volatile. For example, the computer-readable medium may include: any entity or device capable of carrying said computer program code, recording medium, U-disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM).

The present invention also provides a computer-readable storage medium, storing a computer program which, when executed by a processor of an electronic device, may implement:

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus, device and method can be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is only one logical functional division, and other divisions may be realized in practice.

The modules described as separate parts may or may not be physically separate, and parts displayed as modules 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.

In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional module.

It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof.

The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.

The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.

The embodiment of the application can acquire and process related data based on an artificial intelligence technology. Among them, Artificial Intelligence (AI) is a theory, method, technique and application system that simulates, extends and expands human Intelligence using a digital computer or a machine controlled by a digital computer, senses the environment, acquires knowledge and uses the knowledge to obtain the best result.

Furthermore, it is obvious that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. A plurality of units or means recited in the system claims may also be implemented by one unit or means in software or hardware. The terms first, second, etc. are used to denote names, but not any particular order.

Finally, it should be noted that the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting, and although the present invention is described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications or equivalent substitutions may be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.

Claims

1. A bank interest counting method based on daily record is characterized by comprising the following steps:

2. The method for banking interest based on daily record according to claim 1, wherein the obtaining of the amount of idle record process resources comprises:

sending a communication request instruction to a resource server;

3. The method for counting money of the bank based on the daily mention of claim 1, wherein the step of converting the number of the idle resources of the server into the number of the idle progress resources comprises the following steps:

obtaining parameters of a resource allocation algorithm of the resource server according to the single counting and lifting item resource occupancy and the server idle resource quantity;

4. The bank interest-bearing method based on daily interest-bearing as claimed in claim 1, wherein said simultaneously making a single interest-bearing for each of said transaction accounts comprises:

adding the balance of each transaction account in the interest period every day according to a balance list to obtain an accumulated sum;

5. The method for banking interest based on daily claim 1, wherein the obtaining account information of each transaction account comprises:

dividing the account information into account information sentences;

6. The method of claim 1, wherein said determining an account level for each of said transaction accounts based on said account information comprises:

7. The bank interest counting method based on the daytime telling according to any one of claims 1 to 6, wherein the step of selecting the transaction account with the same amount of idle money counting process resources from high to low according to the account grade of the transaction account comprises the following steps:

8. A bank interest-accounting device based on daily record, the device comprising:

and the second single-stroke charging and discharging module is used for selecting the transaction account with the same quantity as the idle charging and discharging process resources from high to low according to the account grade of the transaction account and performing single-stroke interest charging and discharging on the selected transaction account.

9. An electronic device, characterized in that the electronic device comprises:

at least one processor; and the number of the first and second groups,

the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the daytime issue-based bank interest method according to any one of claims 1 to 7.

10. A computer-readable storage medium, storing a computer program, wherein the computer program, when executed by a processor, implements the daytime change based bank interest method according to any one of claims 1 to 7.