CN115239477A

CN115239477A - Interest calculation method and device

Info

Publication number: CN115239477A
Application number: CN202210910449.6A
Authority: CN
Inventors: 孙龙堂; 刘晨旭; 李红艳
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-07-29
Filing date: 2022-07-29
Publication date: 2022-10-25

Abstract

The invention discloses a method and a device for interest calculation, which relate to big data, wherein the method comprises the following steps: determining a product or contract for which interest is calculated; extracting key factors in the product or the contract, wherein the key factors are all parameters to be used in interest calculation and relations among all the parameters; when interest of a client is needed to be calculated according to the product or the contract, after corresponding information of the client is obtained according to the key factor, the interest which the client should obtain after executing according to the product or the contract is calculated. The invention can also realize the high-timeliness interest-counting in the face of the actual requirements of various and constantly changing newly added product interest-counting modes.

Description

Interest calculation method and device

Technical Field

The invention relates to the technical field of big data, in particular to a method and a device for interest calculation.

Background

The rest mode is as follows: bank interest metering is an important action of the bank to carry out commitment to the client fund and debt and calculate the cost of paying, and the bank pays according to the commitment of the related contract based on the interest metering result. The product innovation, especially the deposit product innovation, the interest mode is not only based on account daily end balance and reference interest rate to calculate and accumulate the interest, differential pricing, customer behavior, periodic fund scale and the like become the participation factors of interest, and the interest mode is diversified.

The interest bearing attribute: the classification summary of the interest-bearing rules or the calculation methods is suitable for one or more of the interest-bearing rules according to different bank product types or contract conventions.

Generally, interest is taken, classified and calculated according to product categories, and independent programs or processing modules are respectively provided. For example, for a current account, a dedicated processing module is provided to accumulate interest increments, which are typically calculated as: principal x annual interest rate/yearly rest days. Annual rates can be obtained according to different modes of interest.

Suppose that the current account of a certain bank core system has three charging modes, namely A, B and C, and the current account can sign three different flexible charging products, namely P1, P2 and P3. The correspondence between the product and the interest mode is shown in table 1.

Table 1:

product(s)	Combination of interest-bearing modes
		P1	A
P2	A+B
		P3	C+A

Fig. 1 is a schematic diagram of an interest-bearing processing flow of a conventional interest-bearing module, and for the conventional interest-bearing module, the processing flow is as shown in fig. 1:

the interest counting module starts to calculate the daily interest counting balance, judges the product, and adopts an interest counting mode A if the product is a product P1; if the product is a product P2, an interest mode A + B is adopted; if the product is P3, an interest counting mode C + A is adopted.

The general processing method for the adjustment scene of the interest or the interest is as follows:

when calculating interest due to a reverse interest transaction, the traditional interest calculation method firstly calculates the final daily balance before and after each day of the transaction during the reverse period according to the transaction history of an account for interest calculation. And after the interest balance is obtained, interest calculation in different modes is carried out according to the contract signing condition of the interest product on the current day of the account. Because there may be multiple interest-bearing modes for the account between the transaction day and the entry day, the interest-bearing module needs to switch between different interest-bearing modes, and daily interest increment is calculated.

Common interest calculation processing schemes: the interest calculation method comprises the steps of identifying product classification (such as current period and regular period), setting a special program, obtaining an interest calculation method, an interest rate code and a floating interest rate through a contract layer and a product parameter layer, determining interest amount through a contract account layer, performing interest calculation through a product formula of balance of interest rate days, and performing rounding processing on an interest result through an interest standard.

The defects of the prior art are as follows: the existing interest-bearing mode can not adapt to the conditions of price difference and great profit difference among different products.

Disclosure of Invention

The embodiment of the invention provides an interest calculation method, which is used for solving the problems that the existing interest calculation mode cannot adapt to the conditions of price difference and great profit difference among different products, and comprises the following steps:

determining a product or contract for which interest is calculated;

extracting key factors in the product or the contract, wherein the key factors are all parameters to be used in interest calculation and relations among all the parameters;

when interest of a client is needed to be calculated according to the product or the contract, after corresponding information of the client is obtained according to the key factor, the interest which the client should obtain after executing according to the product or the contract is calculated.

The embodiment of the invention also provides an interest calculating device, which is used for solving the problems that the existing interest calculation mode can not adapt to the price difference and the income difference among different products, and comprises the following components:

a product module for determining a product or contract for which interest is calculated;

the system comprises a factor module, a parameter analysis module and a parameter analysis module, wherein the factor module is used for extracting key factors in products or contracts, and the key factors are parameters to be used in interest calculation and relations among the parameters;

and the interest calculation module is used for calculating the interest of the client after the client executes the product or the contract after acquiring the corresponding information of the client according to the key factor when the interest of the client is required to be calculated according to the product or the contract.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the interest calculation method is realized when the processor executes the computer program.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the interest calculation method.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the interest calculation method described above.

In the embodiment of the invention, compared with the technical scheme that only one kind of product interest can be evaluated in the prior art, the operation formula rules and parameters applicable to the product or the contract are extracted in a key factor mode, the key factors are used for expressing various parameters related to the interest in the product or the contract and the relationship among the parameters, and all the interest evaluation formula rules and parameters are dynamically combined and replaced by the interest evaluation key factors, so that no matter what product or contract is, as long as the parameters required in interest evaluation and the relationship among the parameters are expressed, the corresponding information can be obtained during customer interest evaluation to complete the interest evaluation, the change of the specific product or contract is not limited, and the interest evaluation with high timeliness can be realized even in the face of the actual requirements of a plurality of newly added product interest modes which are changed constantly.

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 description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a schematic diagram illustrating an exemplary billing process of a conventional billing module according to an embodiment of the present disclosure;

FIG. 2 is a schematic flow chart illustrating an embodiment of a method for interest calculation according to the present invention;

FIG. 3 is a diagram illustrating key factor relationships of an interest bearing model according to an embodiment of the present invention;

FIG. 4 is a diagram of interest calculation architecture in accordance with an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of an interest calculating apparatus according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

The inventor notices in the process of invention that:

In the above general scheme, under the condition of adding a new product, a new operation formula, that is, an operation formula combination of a new interest attribute, a money amount factor, an interest rate price factor, a price-taking factor and a storage duration factor, needs to adjust or add an interest module function or processing logic. In a bank system, business parameters, online transaction service, timed batch processing, a signing module, an interest counting module and the like are required to be jointly transformed, and the related development implementation and test verification work is high in investment, long in implementation period and long in test period. The traditional interest mode module is obviously insufficient in the aspect of meeting the requirement of timeliness.

Based on the above, the technical scheme provided by the embodiment of the invention mainly solves the problem of how to meet the innovation requirements of bank products, and based on the difference of interest-bearing modes, various interest-bearing modes are identified and extracted, various factors participating in interest bearing are extracted, and the follow-up development and maintenance amount is reduced by setting up a dynamically configurable interest-bearing device or an interest-bearing module and adopting a relatively uniform and clearly structured processing mechanism.

The interest calculation is an important part of the bank for fulfilling the commitment of the client fund and the debt, the payment cost calculation is an important function of a bank product, the price difference and the income difference between different products are usually based on the difference of the payment modes, how to quickly and efficiently complete the realization of the payment mode is realized, and the dynamic configuration replaces the logic coding as much as possible, so that the product release efficiency can be improved.

The conventional design of the interest device or the interest module is based on product categories and contract categories, and the function realization and rule conversion are carried out by transversely expanding according to product or contract characteristics and solidifying codes. When a new product is added with an interest mode, business parameters, online transaction service, timed batch processing, a signing module, an interest counting module and the like are required to be jointly transformed, and the related development implementation and test verification work is large in investment, long in implementation period and long in test period. In order to quickly seize the market, the timeliness requirement of the newly added product is high, the traditional implementation development mode is obviously insufficient in the aspect of meeting the timeliness requirement when being promoted from the traditional monthly to the weekly or even daily, the embodiment of the invention designs a dynamically configurable interest-keeping mode in a planning way, the actual requirement of the newly added interest-keeping mode of the newly added product is met, and the problems of high requirement on timeliness, large implementation investment, difficult function expansion, low reusability and the like are solved.

Specifically, in the technical scheme provided by the embodiment of the invention, key factors such as key elements, an interest calculation method and an interest calculation formula of bank account interest are abstracted and extracted, and an extended scheme based on dynamic configuration is provided, so that the interest calculation scheme of a new interest product can be quickly combined and realized. The interest mode expansion device realizes new mode expansion through the separation design, configuration storage and processing of the interest elements, the interest method and the interest calculation formula and through the rapid combination of device packaging.

The following examples are given to illustrate the present invention.

Fig. 2 is a schematic flow chart of an implementation of the interest calculation method, as shown in the figure, the method may include:

step 201, determining products or contracts for interest calculation;

step 202, extracting key factors in a product or a contract, wherein the key factors are parameters to be used in interest calculation and relations among the parameters;

step 203, when interest of the customer is needed to be calculated according to the product or the contract, after the corresponding information of the customer is obtained according to the key factor, the interest which the customer should obtain after executing according to the product or the contract is calculated.

In an implementation, the key factors include one or a combination of the following parameters:

the interest-bearing attributes are obtained by classifying and summarizing the interest-bearing rules or the calculation methods;

based on the basic business principle of bank calculation interest, the amount factor related to the fund scale influencing the interest result;

determining interest rate price factors of interest rate price differences;

the different time points of the pricing result in the pricing time point factors with different interest rate price values participating in the actual interest calculation;

the different days of existence result in different time factors of actual message calculation.

The relational framework schematic of the key factors of the scheme is briefly described below.

Fig. 3 is a schematic diagram of a relationship of key factors of an interest-bearing model, and as shown in fig. 3, in the scheme, a dynamic configuration-based extension device is provided for abstractly extracting key elements, an interest-bearing method and an interest-bearing formula of bank account, so that the information of new interest-bearing products can be quickly combined and realized. In the example, the function module for extracting the key factor in the product or the contract is called an interest mode extension device, which is easy to know, and this is only naming for convenience of description, and may be named as required in specific practice.

The basic technical principle of the interest mode expansion device is that key elements, interest methods or interest formulas related to bank account interest are abstracted and extracted, dynamic configuration is a decoupling and high-multiplexing means or design mode, and new mode expansion is realized by means of separation design, configuration storage and processing of the interest elements, the interest methods and the interest formulas and rapid combination of device packaging.

After abstract extraction, as shown in fig. 3, the key factors representing bank interest include an amount factor, an interest rate price factor, a price-taking time factor, and a deposit duration factor. The following description will be made separately.

1. The interest bearing attribute:

in an implementation, the interest bearing attribute includes one or a combination of the following attributes:

sectional interest bearing, non-sectional interest bearing, layered full-interest bearing by gear, layered excess interest bearing by gear, time bearing by gear, interest bearing by penalty and interest bearing by default.

Specifically, the classification summary of the interest-bearing rules or calculation methods applies to one or more of the interest-bearing rules for different types of bank products or contractual agreements. The interest-bearing attributes are various and commonly include: sectional interest counting, non-sectional interest counting, layered full interest counting by gear, layered over-interest counting by gear, time interest counting by gear, interest of penalty, interest of default and the like.

2. The amount factor is:

in an implementation, the amount factor includes one or a combination of the following amounts:

credit balance, debit balance, cumulative balance over a period, average balance over a period, and advance credit.

Specifically, based on the basic business principle of bank interest calculation, the fund scale directly affects the interest calculation result, and the fund scale may directly participate in the interest calculation formula or determine the interest rate price. The amount factors are various in form, and commonly include: credit balance, debit balance, cumulative balance over a period, average balance over a period, advance draw amount, designated transaction amount, default amount, amount of funds to be cleared, and the like.

3. Interest rate price factor:

in practice, the interest rate price factor includes one or a combination of the following factors:

basic interest rate, floating interest rate plus points, floating interest rate proportion, grading interest rate according to the gold amount, grading interest rate according to time, grading interest rate according to the time, floating accumulation due to multi-dimensional difference of customers and interest rate interval price limit.

Specifically, the interest rate price difference is determined by different fund storage time periods, different regions, different time points, different fund surplus conditions and different fund flow conditions of the whole market, and the interest rate price factor is extracted to participate in the interest calculation. Price factor rules are diverse, and commonly include: basic interest rate, floating interest rate plus points, floating interest rate proportion, grading interest rate according to the gold amount, grading interest rate according to time, grading interest rate according to the time, floating accumulation due to multi-dimensional difference of customers, interest rate interval price limit and the like.

4. The time point factor of the price taking:

in an implementation, the time point factor for taking value includes one or a combination of the following times:

settlement date, deposit date starting date, account opening date, settlement period starting date, settlement period ending date, deposit contract effective date, price changing date and time when one day is multivalent.

Specifically, interest rate price fluctuates, the price taking time points of the interest rate price factors participating in interest calculation are different, and the interest rate price values participating in actual interest calculation are different. The time point factor for taking value commonly includes: settlement day, deposit date starting day, account opening day, settlement period starting day, settlement period ending day, deposit contract effective day, price changing day, one-day multivalence and the like.

5. The storage duration factor:

in an implementation, the lifetime factor includes one or a combination of the following time periods:

natural days, whole month days of 30 days, whole year days of 360 days, whole year days of 365 days, sectional days according to the month and day of the year, and free days.

Specifically, the interest amount and the interest rate price are changed in any dimension of the time dimension, the interest amount and the interest rate price, and the stable interest amount and the stable interest rate price in the time dimension participate in calculation and accumulation. The dwell time factor, which is common, includes: natural days, whole month days of 30 days, whole year days of 360 days, whole year days of 365 days, monthly days of each year in segments, rest-free days, and the like.

The money factor is important quantitative information of the dimension deposit scale of the customer, and the measuring and calculating process of part of factors is similar to the expression of the customer behavior, which is further described below.

Credit balance: and the client deposit account is used for marking the deposit scale or recording the value of the amount of the debt funds of the bank to the client. When the information is converted into the interest-bearing amount factor, the credit balance of the interest-bearing time point is generally designated according to the industry interest-bearing routine or related convention for the guest; there may also be a differential convention such as whether the angular position participates in the message operation.

Debit balance: the system is used for recording the value of the bank to the size of the client property under the condition of the client loan account or the account overdraft. When the interest-bearing amount factor is converted, the debit balance at the interest-bearing time point is generally referred to according to the industry interest-bearing routine or related convention for the guest.

Accumulating balance in the period: in addition to the static time balance, part of the interest counting modes use the accumulated balance in a certain period as the interest counting price standard. Accumulation periods, typically such as capital scale review periods, or contract periods. When the balance is converted into the interest amount factor, according to the industry interest routine or related appointments for guests, there may be a difference appointment that the balance is not accumulated below a certain value.

Average balance over period: the average balance in the period has a certain correlation with the accumulated balance in the period, and the average balance in the period is the quotient of the accumulated balance in the period and the natural days of the period.

The amount of money paid in advance: part of the business products such as whole deposit whole-fetch regular products belong to transaction behavior amount, and have a processing principle of 'benefit to the local clearing' according to industry interest-counting conventions or related appointments for guests, and the calculated interest is based on the draw amount. When the information is converted into the interest amount factor, according to the industry interest routine or the related contract, the amount paid in advance should meet the related contract, so that the amount is not lower than the minimum amount paid, and the amount is reserved after the payment to meet the requirement of product contract reservation.

In implementation, the information corresponding to the client is obtained according to the key factor, and is obtained from one or a combination of the following logic layers:

a product sale layer, a contract account layer, a client layer and a transaction service layer.

Specifically, by identifying the type of the information factor, information acquisition is performed from a product sales layer, a contract account layer, a customer layer, a transaction service layer, and the like.

In implementation, the obtaining of the information corresponding to the client according to the key factor is to obtain one or a combination of the following information:

product information, sales information, contract information, account information, customer information.

The following description is made with reference to examples.

1. The overall architecture.

Fig. 4 is a schematic diagram of an interest calculation architecture, which further illustrates a service data supply part for providing data, and as shown in fig. 4, the overall architecture of interest calculation may include:

the interest counting device comprises an interest counting request module, an interest counting device and an interest counting result output module, wherein the interest counting device comprises:

the system comprises a parameter configuration management module, a configuration parameter translation module, an interest data acquisition module and an interest calculation output module.

Wherein:

and the operation formula rules applicable to the product contract are configured in a configuration parameter mode consisting of all factors through a parameter configuration management module.

The configuration parameters are identified and converted into various information factor types through a configuration parameter translation module.

Through the interest data acquisition module, the type of the interest factors is identified, and information acquisition is carried out from a product sale layer, a contract account layer, a client layer, a transaction service layer and the like.

And finishing the operation and processing according to the numerical value converted by each interest factor type through the interest calculation output module.

2. Designing a key configuration table of the device.

The extracted interest attributes, money factors, interest rate price factors, price-taking time point factors and deposit duration factors are respectively designed into corresponding configuration data tables as follows:

1. interest attribute configuration data table (Int _ Type) key data item design.

The interest attribute configuration data is shown in table 2.

Table 2:

the product category 20-bit classification code planning relationship is as follows in table 3.

Table 3:

number of bits	Product taxonomy meaning
		01	Demand deposit product
02	Fixed-length deposit product
		03	Notification of deposit products
04	Large volume deposit receipt product
		05	Structured deposit product
06	Reserved, to be expanded
		…	…
20	Reserved, to be expanded

Example of data record for interest attribute configuration data Table (Int _ Type):

for example, with the TY001 configuration, the "fractional interest" mode is applied to "deposit to public clients" and "demand deposit products" on behalf of TY 001.

The interest attribute configuration data is shown in table 4.

Table 4:

2. money factor configuration data table (Amt _ Type) key data item design.

The money factor configuration data is shown in table 5.

Table 5:

money factor configuration data table (Amt _ Type) data record example:

for the example of AM001 configuration, the information representing AM001 "credit balance" is valued at the "ACCT" contract account layer.

The money factor configuration data is shown in table 6.

Table 6:

Type_No	Type_Desc	Inf_Source
			AM001	lender balance	ACCT
AM002	Debit balance	ACCT
			AM003	Accumulated balance in cycle	CUMU
AM004	Average balance in cycle	CUMU
			AM005	Draw money in advance	TRAN
AM006	Specifying a transaction amount	TRAN
			AM007	Amount of default	ACCT
AM008	Amount of funds to be cleared	TRAN
			AM009	Account group balance	GROP
…	…	…

3. And designing key data items of an interest Rate price factor configuration data table (Rate _ Type).

The interest rate price factor configuration data is shown in table 7.

Table 7:

interest Rate price factor configuration data table (Rate _ Type) data record example:

taking the RT001 configuration as an example, the information representing the RT001 'basic interest rate' is valued in the 'PROC' product sales layer.

The interest rate price factor configuration data is shown in table 8.

Table 8:

Type_No	Type_Desc	Inf_Source
			RT001	basal interest rate	PROC
RT002	Floating interest rate plus point	ACCT
			RT003	Floating interest rate ratio	ACCT
RT004	Interest rate by level according to amount	ACCT
			RT005	Time-tiered interest rate	ACCT
RT006	Floating accumulation due to multi-dimensional difference of guests	PROC
			RT007	Interest rate interval price limit	PROC
…	…	…

4. And designing key data items of a pricing time point factor configuration data table (Date _ Type).

The time-factor configuration data for the taking of prices is shown in table 9.

Table 9:

example of data record of time-point-factor-of-pricing configuration data table (Date _ Type):

taking DT001 configuration as an example, the "rest date" information representing DT001 takes value in the "TRAN" transaction service layer.

The time-factor configuration data for the pricing is shown in table 10.

Table 10:

Type_No	Type_Desc	Inf_Source
			DT001	rest day	TRAN
DT002	Date of beginning of storage period	ACCT
			DT003	Date of account opening	ACCT
DT004	Date of beginning of settlement period	PROC
			DT005	Deadline of settlement period	PROC
DT006	Date of effecting deposit contract	ACCT
			DT007	Day of price change	PROC
DT008	Multiple daily value	PROC
			…	…	…

5. Storage duration factor configuration data table (Exc _ Type) key data item design.

The duration factor configuration data is shown in table 11.

Table 11:

storage duration factor configuration data table (Exc _ Type) data record example:

for example, the EX001 configuration represents that EX001 "month of life" information takes on the "ACCT" contract account layer.

The duration factor configuration data is shown in table 12.

Table 12:

Type_No	Type_Desc	Inf_Source
			EX001	number of months of life	ACCT
EX002	Number of days of nature	ACCT
			EX003	Days of the whole month	PROC
EX004	Day of the whole year 360 days	PROC
			EX005	365 days of the year	PROC
EX006	Days in monthly and daily segments	ACCT
			EX007	Days without rest	ACCT
EX008	Days of default	ACCT
			…	…	..

6. Innovation schema configuration data table (Int _ Mode) key data item design.

The rest mode configuration data is shown in table 13.

Table 13:

innovation schema configuration data Table (Int _ Mode) data record example:

taking the MO001 configuration as an example, the operation formula rule representing MO001 "whole storage and whole fetching regular expiration interest" is:

according to the non-segmented interest-bearing rule, the interest rate plus-minus point of the contract account layer is accumulated by using the loan balance of the contract account layer and the basic interest rate of the deposit period starting day, the monthly interest rate is obtained after dividing by 12, and the interest due is calculated by multiplying the month number of the deposit period of the contract account layer.

Taking the MO002 configuration as an example, the operation formula rule representing MO002 "notify deposit default draw" is:

according to the non-segmented interest rule, the transaction service layer is used for drawing money, the interest rate of the interest-bearing day is added or subtracted with the interest rate of the accumulated contract account layer, the daily interest rate is obtained after the sum is divided by 360, and the daily interest rate is multiplied by the natural number of days of deposit and deposit; deducting default interest, and the calculation method comprises the steps of using default amount of the contract account layer and basic interest rate of the interest-bearing day according to default interest-bearing rules, dividing by 360 to obtain daily interest rate, and multiplying by default days of the contract account layer.

The manner of interest is shown in table 14.

Table 14:

3. and designing a device processing flow.

1. And the parameter configuration management module processes the flow.

1) The system is responsible for dynamically configuring the interest mode parameters, receiving parameter configuration requests of departments of product management, product sales, price control and the like, and identifying the interest factors and factor types.

2) And configuring parameters, namely completing configuration of the operation formula rules applicable to the product contract in a configuration parameter mode consisting of all factors. The factor type and the four arithmetic signs (+, -, /) are expressed by the interest-counting rule, and the design and the expression mode are beneficial to business personnel (product management, product sale and price control departments) to understand.

3) And in the parameter configuration assembly state, after parameter configuration rule verification and acceptance experience environment test verification are required, the parameter configuration rule is issued through a parameter distribution way.

2. The configuration parameter translation module processes the flow.

1) Receiving an interest counting instruction sent by an interest counting request module, identifying an interest counting Mode number (MO) recorded in a transaction service or a contract, and reading an interest counting Mode configuration data table (Int _ Mode) to obtain an interest counting rule;

2) And extracting and checking the factor types one by one according to the interest rule expression, and identifying the business data levels (a product sale layer, a contract account layer, a client layer, a transaction service layer and the like) based on the factor types.

3. And the information data acquisition module processes the flow.

1) The type of the interest-bearing factor output by the parameter translation module and a corresponding data layer are used as the input of the module;

2) And if the product is the product sales level information, acquiring the product sales level factor value by taking the product code as a primary key value.

If the contract account layer information is obtained, acquiring a contract account layer factor value by taking a contract number or an account number as a primary key value; if the client layer information is the client layer information, the client number is used as a primary key value to obtain a client layer factor value; if the transaction information is transaction service layer information, the transaction code, serial number and the like are used as key values to obtain transaction service layer numerical values; if the data accumulation layer information is used, acquiring an accumulated value by taking a contract number or an account number and accumulation starting and stopping information (starting date and ending date) as key values; if the account group layer information is the account group layer information, the group number is used as the primary key value to obtain the account group layer value.

3) And checking the numerical format specification to avoid the output numerical specification difference and numerical abnormality of each layer.

4. And an interest calculation output module processes the flow.

1) And performing operation processing by taking the calculation rule of the configuration parameter translation module and the numerical value of the interest data acquisition module as input.

2) And the processing process is used for calculating abnormal values and controlling data precision, such as controlling the reserved digits of the result after division, controlling anti-overflow of addition calculation, controlling anti-negative value of subtraction calculation and the like.

3) And registering the interest calculation process and reserving the interest evidence.

4) And sorting and outputting the information result.

The embodiment of the invention also provides an interest calculation device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the interest calculation method, the implementation of the device can be referred to the implementation of the interest calculation method, and repeated details are not repeated.

Fig. 5 is a schematic structural diagram of an interest calculating apparatus, as shown in fig. 5, including:

a product module 501 for determining products or contracts for which interest is calculated;

a factor module 502, configured to extract a key factor in a product or a contract, where the key factor is each parameter to be used in interest calculation and a relationship between the parameters;

and the interest calculating module 503 is configured to, when interest of a customer needs to be calculated according to the product or the contract, obtain information corresponding to the customer according to the key factor, and then calculate interest that the customer should obtain after executing according to the product or the contract.

In an implementation, the information module is further configured to obtain corresponding information of the client from one or a combination of the following logic layers according to the key factor:

In an implementation, the information module is further configured to obtain, according to the key factor, information corresponding to the client, where the information is one or a combination of the following information:

In an implementation, the factor module is further configured to extract the key factor including one or a combination of the following parameters:

the interest attributes are obtained by classifying and summarizing the interest rules or the calculation methods;

determining interest rate price factors of interest rate price differences;

the different time points of the pricing result in different interest rate price values participating in the actual interest calculation;

In an implementation, the factor module is further configured to extract the interest bearing attribute comprising one or a combination of the following attributes:

sectional interest counting, non-sectional interest counting, layered full-amount interest counting by gear, layered over-amount interest counting by gear, time interest counting by gear, interest of penalty and interest of default.

In an implementation, the factor module is further configured to extract the monetary factor comprising one or a combination of the following monetary values:

In an implementation, the factor module is further configured to extract the interest rate price factor comprising one or a combination of the following factors:

In an implementation, the factor module is further configured to extract a time-point-of-offer factor comprising one or a combination of the following times:

settlement day, deposit date starting day, account opening day, settlement period starting day, settlement period ending day, deposit contract effective day, price changing day, and time when one day has multiple prices.

In an implementation, the factor module is further configured to extract the lifetime factor comprising one or a combination of the following time periods:

Specifically, in the technical solution provided in the embodiment of the present invention, the parameter configuration management module configures the operation formula rule applicable to the product contract in a configuration parameter manner composed of various factors. The configuration parameters are identified and converted into various information factor types through a configuration parameter translation module. Through the interest data acquisition module, the type of the interest factors is identified, and information acquisition is carried out from a product sale layer, a contract account layer, a client layer, a transaction service layer and the like. And finishing the operation and processing according to the numerical value converted by each interest factor type through the interest calculation output module.

Therefore, for newly added products and contracts, if factors are not added or the types of the factors are not added, only the rules of the existing factor operation formula are added, the key modules and the processing flow of the device cannot be changed; the maintenance and the configuration of the new rule can be independently completed, and the new rule is not coupled and influenced with the operation state rule of the maintained configuration.

All the rules of the interest calculation formula are replaced by the dynamic combination of the types of the interest factors, and the rules of various information compositions participating in the interest calculation can be changed by adjusting and configuring parameters without system function or program logic adjustment.

The dynamically configured interest mode and the operation formula rule can be used as the common convention of a product service planning department and a parameter configuration department; the mapping and transfer of the operation formula rules can be carried out in the links of displaying the customers, internal auditing, external reporting and the like, and the dynamic configuration information is converted into the business rule expression with easy understanding of the inside and the outside.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each 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.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A method of interest calculation, comprising:

determining a product or contract for which interest is calculated;

2. The method of claim 1, wherein the obtaining of the corresponding information of the client according to the key factor is obtained from one or a combination of the following logic layers:

the system comprises a product sale layer, a contract account layer, a client layer and a transaction service layer.

3. The method according to claim 1, wherein the obtaining of the corresponding information of the client according to the key factor is one or a combination of the following:

4. A method according to any one of claims 1 to 3, wherein the key factors include one or a combination of the following parameters:

determining interest rate price factors of interest rate price differences;

different storage days lead to different storage time factors of actual information calculation.

5. The method of claim 4, wherein the interest bearing attributes comprise one or a combination of the following attributes:

6. The method of claim 4, wherein the monetary factor comprises one or a combination of:

credit balance, debit balance, cumulative balance over a period, average balance over a period, and advance draw amount.

7. The method of claim 4, wherein the interest rate price factor comprises one or a combination of the following factors:

8. The method of claim 4, wherein the pricing timepoint factor comprises one or a combination of the following times:

9. The method of claim 4, wherein the duration factor comprises one or a combination of the following time periods:

10. An interest computing device, comprising:

the system comprises a factor module, a processing module and a processing module, wherein the factor module is used for extracting key factors in products or contracts, and the key factors are all parameters to be used in interest calculation and relations among all the parameters;

11. The apparatus of claim 10, wherein the information module is further configured to obtain corresponding information of the client from one or a combination of the following logical layers according to the key factor:

12. The apparatus of claim 10, wherein the information module is further configured to obtain corresponding information of the client according to the key factor, wherein the corresponding information is one or a combination of the following information:

13. The apparatus of any of claims 10 to 12, wherein factor module is further configured to extract the key factor comprising one or a combination of the following parameters:

determining interest rate price factors of interest rate price differences;

14. The apparatus of claim 13, wherein factor module is further for extracting the interest bearing attribute comprising one or a combination of the following attributes:

15. The apparatus of claim 13, wherein factor module is further to extract the monetary factor comprising one or a combination of the following monetary values:

16. The apparatus of claim 13, wherein factor module is further for extracting the interest rate price factor comprising one or a combination of:

basic interest rate, floating interest rate plus points, floating interest rate proportion, grading interest rate according to the money amount, grading interest rate according to time, floating accumulation according to the multi-dimensional difference of customers and interest rate interval price limit.

17. The apparatus of claim 13, wherein the factor module is further for extracting a bid time point factor comprising one or a combination of the following times:

18. The apparatus of claim 13, wherein factor module is further for extracting the lifetime factor comprising one or a combination of the following time periods:

19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 9 when executing the computer program.

20. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 9.

21. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 9.