CN115983966A

CN115983966A - Real-time interest bearing method, device, equipment and computer storage medium

Info

Publication number: CN115983966A
Application number: CN202310008054.1A
Authority: CN
Inventors: 丁国印
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-01-04
Filing date: 2023-01-04
Publication date: 2023-04-18

Abstract

The application discloses a real-time interest bearing method, a device, equipment and a computer storage medium, the method comprises the following steps: responding to a first input of a user for confirming the end of the first transaction, and acquiring transaction data and transaction duration of the first transaction; the transaction data is registered on a sub-register of the first transaction; determining the interest of the first transaction according to the transaction data and the transaction duration; judging interest enrollment whether the balance of the book is greater than or equal to the interest of the accrual; when the balance is larger than or equal to the interest to be settled, settling the interest through an interest register according to the interest to be settled; and under the condition that the balance is less than the interest to be settled, determining the interest at the current time according to the transaction data, and settling the interest according to the interest at the current time and the balance. According to the embodiment of the application, the interest can be settled in real time when the user transaction is finished, and convenience is provided for the user transaction.

Description

Real-time interest bearing method, device, equipment and computer storage medium

Technical Field

This application is in the field of information technology, and is characterized by that, and more particularly, to a real-time interest bearing method, apparatus, device, and computer storage medium.

Background

Recently, a set of register account system is established for docking with a financial system, realizing information sharing and guaranteeing transaction safety.

However, in the using process, the settlement of the bank due to the life cycle is carried out in a preset period, the transaction time of the short-term transaction type is short, and the transaction does not reach the preset period of the bank due to the fact that the transaction interest cannot be settled in time when the transaction is ended. Further, the interest can not be transferred out when the transaction is finished. At present, the user can only manually handle refunds through a bank counter for the problem that the user cannot pay the interest in real time, and inconvenience is brought to the user.

Disclosure of Invention

The embodiment of the application provides a real-time interest settlement method, a real-time interest settlement device, a real-time interest settlement equipment and a computer storage medium, which can settle interest in real time when a user transaction is finished and provide convenience for the user transaction.

In one aspect, embodiments of the present application provide a real-time interest-bearing method, comprises that the method comprises the following steps:

responding to a first input of a user for confirming the end of a first transaction, and acquiring transaction data and transaction duration of the first transaction; the transaction data is registered on a sub-registry of the first transaction;

determining the interest due to the first transaction according to the transaction data and the transaction duration;

judging whether the balance of the interest register is greater than or equal to the interest to be settled;

in the event that the balance is greater than or equal to the interest due, carrying out interest settlement through the interest registration book according to the interest settlement;

and under the condition that the balance is smaller than the interest to be settled, determining the interest at the current time according to the transaction data, and settling the interest according to the interest at the current time and the balance.

In one possible implementation, at the first input in response to the user confirming the end of the first transaction, before obtaining the transaction data and the transaction duration of the first transaction, the method further includes:

in response to a second input of the user signing up, establishing an interest registry for the user to register interest;

registering the transaction data on the sub-register in response to a third input by the user confirming the start of the first transaction.

In one possible implementation, after the establishing an interest registry for the user to register interest in response to the second input of the user subscription, the method further comprises:

acquiring an interest-counting starting time and a current period of registering the transaction data;

determining the current time and the rest time of the transaction data according to the interest starting time and the current time and the rest period;

determining stage interest according to the transaction data under the condition that the current time is the current time;

transferring the stage interest to the child registry;

updating the balance of the sub-registry.

In one possible implementation, the transaction duration of the first transaction is not a multiple of the current settlement period; before the determining an interest due for the first transaction according to the transaction data and the transaction duration, the method further comprises:

and when the current time is the current time, settling according to a preset current settlement mode of the first transaction.

In one possible implementation, after the first input in response to the user confirming the end of the first transaction, the method further comprises:

obtaining the user a refund account of (a);

receiving the transaction data from the child and transferring the register to the refund account.

On the other hand, the embodiment of the present application further provides a real-time interest bearing device, the device includes:

the acquisition module is used for responding to first input of the user for confirming the end of the first transaction, and acquiring transaction data and transaction duration of the first transaction; the transaction data is registered in the of a first transaction on the sub-register;

a determining module for determining the transaction duration according to the transaction data and the transaction duration, determining an interest due to the first transaction;

the judging module is used for judging whether the balance of the interest register is larger than or equal to the interest to be settled or not;

a first interest settlement module, configured to perform interest settlement from the interest register according to the interest settlement if the balance is greater than or equal to the interest settlement;

and the second interest bearing module is used for determining the interest at the current time according to the transaction data under the condition that the balance is less than the interest to be bearing, and bearing according to the interest at the current time.

In yet another aspect of the present invention, the embodiment of the application provides a real-time interest bearing device, the apparatus comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements a real-time conclusion method as described in any of the above.

In yet another aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored, and the computer program instructions, when executed by a processor, implement the real-time interest bearing method according to any one of the above items.

In yet another aspect, an embodiment of the present application provides a computer program product, and instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the real-time interest bearing method according to any one of the above items.

According to the real-time interest bearing method, the device, the equipment and the computer storage medium, the interest bearing is calculated when the user transaction is finished, refund is carried out according to the balance of the interest register and the interest bearing, the real-time interest bearing is realized when the transaction is finished, and the work of manual interest bearing, interest bearing and interest transfer on a counter is avoided. In addition, an interest register for registering interest can be automatically established when the user signs up, and a sub-register for registering transaction data can be automatically established when the user transacts, so that convenience is provided for the user transaction.

Drawings

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

Fig. 1 is a schematic flow chart of a real-time interest bearing method according to an embodiment of the present disclosure;

fig. 2 is a schematic structural diagram of a real-time rest device according to an embodiment of the present disclosure;

fig. 3 is a schematic structural diagram of a real-time information bearing device according to an embodiment of the present application.

Detailed Description

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

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

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

At present, in a register account system, short-term transactions cannot be settled in time, and the following two conditions mainly exist:

1. the day of rest is not reached, the transaction has ended;

2. at the end of the transaction, interest after the day of rest cannot be determined.

The two situations occur, and the user can only handle the manual settlement at the bank counter, which brings inconvenience to the user.

Based on the above, the inventor provides a real-time interest bearing method, device, equipment and computer storage medium, which can calculate interest bearing when a user transaction is finished, refund according to the balance of an interest register and the interest bearing, realize real-time interest bearing when the transaction is finished, and avoid manual interest bearing, interest bearing and interest transfer work on counter. In addition, an interest register for registering interest can be automatically established when the user signs up, and a sub-register for registering transaction data can be automatically established when the user transacts, so that convenience is provided for the user transaction.

In order to solve the prior art problems, embodiments of the present application provide a method, an apparatus, a device, and a computer storage medium for real-time interest bearing. First, a real-time interest bearing method provided in the embodiment of the present application is described below.

Fig. 1 shows a schematic flow chart of a real-time interest bearing method provided in an embodiment of the present application. As shown in fig. 1, the real-time interest bearing method provided in the embodiment of the present application includes the following steps: s101 to S105.

S101, responding to a first input of a user for confirming the end of a first transaction, and acquiring transaction data and transaction duration of the first transaction;

as an implementation manner of S101, in response to a first input of the user confirming that the first transaction is ended, the database for storing the transaction data is searched according to the first input, and the transaction data and the transaction duration of the first transaction are obtained.

In one example, the transaction data is registered on a sub-registry of the first transaction. The sub-registry corresponds to an interest registry, which corresponds to the user. In the present application, the transaction data and the interest due to the transaction data are registered in different registers, respectively, the sub-registers being for registering the transaction data of the user, and the interest register being for registering the interest due to the transaction data.

In one example, a user confirms a first input through the user terminal that the first transaction is complete. The user terminal can be a computer, a mobile phone and other input equipment. The first input may be text, voice, options, etc. information entered by the user at the user terminal.

In one example, the interest registry is a virtual registry and the sub-registries are actual registries. The user is the user who has transferred the transaction data into the sub-register, i.e. the owner of the transaction data.

In a possible implementation manner, to ensure the security of the user' S real-time interest, before S101, security verification may also be performed.

In one example, the user needs to log in on the user terminal before the user confirms the first input that the first transaction is complete. When logging in, the user needs to input an account number and a password. Only if the account number and password of the user match, the user terminal will receive a first input by the user confirming the end of the first transaction. And under the condition that the account number and the password of the user are not matched, the user terminal outputs and displays login failure.

In order to further improve the account security of the user, in a preset time period, if the number of mismatching times of the account and the password of the user exceeds a preset number threshold, the account is locked. The locking duration of the account of the user can be determined according to the number of mismatching times of the account and the password of the user, and the more the number of mismatching times of the account and the password of the user is, the longer the locking duration of the account of the user is.

And under the condition that the number of mismatching times of the account and the password of the user exceeds a preset upper limit threshold, judging the account as an abnormal account, and adding the abnormal account into a blacklist.

S102, determining the interest of the first transaction according to the transaction data and the transaction duration;

as an implementation manner of S102, since the interest rate changes in real time according to the market condition, when calculating the interest rate of the transaction data, the interest rate of the first transaction that is currently transferred to the sub-register is first searched according to the transaction number of the first transaction, then the current time and the time for transferring the first transaction to the sub-register are determined as the current time, the transaction duration of the first transaction, and finally the interest rate of the first transaction is determined according to the transaction duration and the interest rate.

The actual calculation of the interest to be paid for the first transaction is determined according to the calculation rules at the time.

In one example, interest is calculated according to a unit time period, except that previously unsettled interest is registered in the interest registry on the day of interest.

In another example of the above-described method, only the life cycle rest period satisfying the multiple, the interest generated during the expiration period will be registered. Interest generated at times that do not meet the current rest period is not settled.

In one possible implementation, the interest rate may need to be determined prior to determining the interest due for the first transaction.

In one example, the interest rate at that time is obtained based on the time the first transaction ended.

In one example, the interest rate at that time is obtained based on the time the first transaction began.

In one example, the interest rate at the beginning of the first transaction and the interest rate at the end of the first transaction are obtained based on the time at which the first transaction begins and the time at which the first transaction ends, and the interest rate at the end of the first transaction is determined based on the average of the interest rate at the beginning of the first transaction and the interest rate at the end of the first transaction.

S103, judging whether the balance of the interest register is greater than or equal to the interest to be settled or not;

as an implementation of S103, the balance of the interest register is obtained, and the balance of the interest register and the corresponding interest are compared. The balance of the interest register is the interest that has been settled and the interest to be settled is the interest to be settled throughout the transaction flow of the first transaction.

S104, when the balance is more than or equal to the interest to be settled, settling the interest through the interest register according to the interest to be settled;

as an implementation manner of S104, when the balance is greater than or equal to the interest due, it indicates that there is enough refundable amount registered in the interest register, and there is no need to make a payment to the user again from the internal account of the financial system, and the interest due may be paid through the interest register, that is, the interest due may be transferred to the collection account of the user.

And S105, determining the interest of the current period according to the transaction data and the current time under the condition that the balance is less than the interest to be settled, and settling the interest according to the interest of the current period and the balance.

As an implementation manner of S105, in the case that the balance is less than the interest to be settled, it indicates that there is not enough refundable amount in the interest register, and at this time, the interest on the current date is determined according to the transaction data and the current time, and the settlement is performed according to the interest on the current date and the balance.

In one example, when the first transaction is ended, the transaction duration of the first transaction is less than the current settlement period, the balance is not registered in the settlement register, and the current interest is determined directly according to the transaction data and the current time, and the refund is made to the refund account of the user.

In another example, when the first transaction is ended, the transaction duration of the first transaction is greater than the current settlement period, the balance is registered in the settlement register, the settlement current interest is determined according to the transaction data and the remaining unsettled transaction duration, and finally the refund is made to the refund account of the user according to the balance and the current interest.

In the above description, only the case where the interest book of the user is associated with only one sub-book is described, but in actual practice, there may be a case where the interest book of the user is associated with a plurality of sub-books. At this time, the interest register registers the settled interest of a plurality of sub-registers of the user, and when a certain transaction of the user is finished, the interest can still be settled in real time according to the method, which is not described herein again. The transaction data of the user and the interest generated by the transaction data can be respectively registered in different registries, so that the interest of the user can be managed, and the manual input is reduced.

In one example, each user may generate a transaction for interest, associating different sub-registries.

In one example, the user may generate a transaction for interest, associating the same sub-register.

In one example, the user may generate the same type of transaction for interest, associating the same sub-register.

In one example, the user may generate interest transactions in which transactions with the same interest rate are associated with the same sub-register.

According to the real-time interest bearing method, the interest bearing is calculated when the user transaction is finished, refund is carried out according to the balance and the interest bearing of the interest register, the real-time interest bearing is realized when the transaction is finished, the manual work of bearing counter, bearing and interest transfer is avoided, and convenience is provided for the user transaction.

In one possible implementation, to facilitate real-time interest, before acquiring transaction data and a transaction duration for the first transaction in response to a first input from the user confirming an end of the first transaction, the method may further include:

establishing an interest register for the user to register interest in response to a second input of the user signing up;

as a possible implementation, in response to a second input of the user signing up, an interest register associated with the user for registering the interest is established based on the user information of the user.

In one example, the second input is input by the user confirming an account was opened at the financial system.

In response to a third input by the user confirming the start of the first transaction, the transaction data is registered on the sub-register.

As one possible implementation, in response to a third input by the user confirming the start of the first transaction, a sub-register associated with the interest register is established based on the user information of the user, and the transaction data is registered on the sub-register.

Thus, an interest register for registering interest and a sub-register for registering transaction data are established, facilitating the arrival of interest time for interest bearing and real-time interest bearing.

In one possible implementation, to facilitate real-time interest bearing, after establishing an interest register for registering interest by the user in response to a second input of the user signing up, the method may further include:

acquiring the interest counting starting time and the current period of the registered transaction data;

as a possible implementation mode, the database is searched according to the transaction number of the first transaction, and the interest counting starting time and the current period of the registered transaction data are obtained.

Determining the current time and the rest time of the transaction data according to the rest starting time and the current time and the rest period;

as a possible implementation mode, the current time of the transaction data is calculated according to the rest starting time and the multiple of the current time, and the current time is eliminated.

transferring stage interest to a child register;

the balance of the sub-register is updated.

In one example, the balance of the register is stored in the database with each update, facilitating subsequent lookup reconciliation.

Therefore, under the condition that the interest duration of the transaction data meets the period of the current rest period, the interest is timely transferred to the sub-register.

In one possible implementation, the transaction duration of the first transaction is not a multiple of the current settlement period; before determining the interest due for the first transaction based on the transaction data and the transaction duration, the method further comprises:

Therefore, when the current time is the current time, the real-time settlement is not carried out, and the settlement is carried out according to the existing current settlement mode.

In one possible implementation, in order to return the transaction data to the user at the end of the transaction in time, after responding to a first input by the user confirming the end of the first transaction, the method further comprises:

acquiring a refund account of a user;

in a possible implementation mode, the associated account is searched according to the user information of the user, the associated account is output and displayed on the user terminal, and finally the refund account is determined according to the received selection of the associated account of the user.

In one example, the user's card number, phone number, or third party collection account number is the refund account.

The transaction data is transferred from the sub-register to the refund account.

Therefore, the transaction data is returned to the user when the transaction is finished in time.

In one possible implementation, the processing of the results may fail when the database is abnormal due to a network failure. After the normal operation is recovered, secondary settlement processing needs to be performed on the service with the failed settlement processing, so as to ensure that the service with the failed settlement processing is successfully settled.

In one example, when the server that processes the interest starts to perform the interest processing, the server locks the data related to the interest service.

And once an exception occurs in the interest bearing processing process, storing the relevant data of the interest bearing service into an exception database.

And after the normal state is recovered, the server acquires the related data of the interest bearing service from the abnormal database to carry out interest bearing processing.

And after the settlement processing is finished, unlocking the relevant data of the settlement service, and deleting the relevant data in the abnormal database.

Therefore, the method and the device prevent the user's interest business from being abnormal due to network faults, database abnormalities and other conditions, prevent data errors when the abnormality occurs by locking the relevant data of the interest processing business, and reduce the error rate of an interest processing mechanism.

In conjunction with the real-time rest method of the above embodiments, the embodiment of the application also provides a real-time interest bearing device. Fig. 2 shows a schematic structural diagram of a real-time rest apparatus according to an embodiment of the present application, and as shown in fig. 2, the real-time rest apparatus 200 includes:

the acquisition module 201 is configured to acquire transaction data and transaction duration of a first transaction in response to a first input of a user confirming that the first transaction is ended; the transaction data is registered on a sub-register of the first transaction;

the determining module 202 is used for determining the interest due to the first transaction according to the transaction data and the transaction duration;

the judging module 203 is used for judging whether the balance of the interest register is greater than or equal to the interest to be settled;

a first interest bearing module 204, configured to bear interest from the interest register according to interest bearing when the balance is greater than or equal to interest bearing;

and the second interest bearing module 205 is configured to determine a current interest according to the transaction data and the current time and bear the interest according to the current interest when the balance is less than the interest to be bearing.

The real-time interest bearing device of the embodiment of the application calculates interest bearing when the user transaction is finished, refunds are carried out according to the balance and the interest bearing of the interest bearing register, the real-time interest bearing is realized when the transaction is finished, the manual work of bearing, bearing and interest transfer on counter is avoided, and convenience is provided for the user transaction.

In one possible implementation manner, to facilitate real-time interest, before acquiring the transaction data and the transaction duration of the first transaction in response to a first input of the user confirming the end of the first transaction, the real-time interest apparatus 200 of the embodiment of the present application may further include:

an interest register establishing module for establishing an interest register for registering interest by the user in response to a second input of the user's subscription;

a transaction data registration module for registering transaction data on the sub-register in response to a third input by the user confirming the start of the first transaction.

In one possible implementation manner, in order to facilitate real-time interest bearing, after establishing an interest register for registering the interest by the user in response to the second input of the user subscription, the real-time interest bearing apparatus 200 of the embodiment of the present application may further include:

the information acquisition module is used for acquiring the interest-counting starting time and the current period of the registered transaction data;

the system comprises a data acquisition module, a data storage module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring transaction data;

the stage interest determining module is used for determining stage interest according to the transaction data under the condition that the current time is the current time;

a transfer module for transferring stage interest to a sub-registry;

and the updating module is used for updating the balance of the sub register.

In one possible implementation, the transaction duration of the first transaction is not a multiple of the current settlement period; before determining the interest due to the first transaction according to the transaction data and the transaction duration, the real-time interest bearing apparatus 200 of the embodiment of the present application may further include:

and the preset current settlement module is used for settling according to a preset current settlement mode of the first transaction under the condition that the current time is the current settlement time.

In one possible implementation manner, in order to return the transaction data to the user at the end of the transaction in time, after responding to the first input of the user confirming the end of the first transaction, the real-time settlement apparatus 200 of the embodiment of the present application may further include:

the refund account acquisition module is used for acquiring a refund account of the user;

and the transfer-out module is used for transferring the transaction data from the sub register to the refund account.

Fig. 3 shows a schematic structural diagram of a real-time information apparatus provided in an embodiment of the present application, and as shown in fig. 3, the real-time information apparatus may include a processor 301 and a memory 302 storing computer program instructions.

Specifically, the processor 301 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.

Memory 302 may include mass storage for data or instructions. By way of example, and not limitation, memory 302 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, tape, or Universal Serial Bus (USB) Drive or a combination of two or more of these. Memory 302 may include removable or non-removable (or fixed) media, where appropriate. The memory 302 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 302 is a non-volatile solid-state memory.

The memory 302 may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the methods according to an aspect of the application.

The processor 301 may implement any of the above embodiments of the real-time message bearing method by reading and executing the computer program instructions stored in the memory 302.

In one example of the use of a magnetic resonance imaging system, the real-time messaging device may also include a communication interface 303 and a bus 310. As shown in fig. 3, the processor 301, the memory 302, and the communication interface 303 are connected via a bus 310 to complete communication therebetween.

The communication interface 303 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiment of the present application.

Bus 310 may include hardware, software, or both to couple the components of the real-time messaging device to each other. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 310 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

The real-time interest bearing device may execute the real-time interest bearing method in the embodiment of the present application, so as to implement the real-time interest bearing method and apparatus described in conjunction with fig. 1 and fig. 2.

In combination with the real-time interest bearing method in the foregoing embodiments, an embodiment of the present application further provides a computer readable storage medium, where computer program instructions are stored on the computer readable storage medium, and when the computer program instructions are executed by a processor, the real-time interest bearing method as described in any one of the above is implemented.

In combination with the real-time interest bearing method in the foregoing embodiments, an embodiment of the present application further provides a computer program product, and when an instruction in the computer program product is executed by a processor of an electronic device, the electronic device is caused to execute the real-time interest bearing method as described in any one of the above.

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

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

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

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

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

Claims

1. A method for real-time interest-bearing, comprising:

when the balance is larger than or equal to the interest to be settled, settling the interest through the interest register according to the interest to be settled;

2. The real-time rest method of claim 1, wherein prior to the obtaining the transaction data and the transaction duration for the first transaction in response to the first input from the user confirming the end of the first transaction, the method further comprises:

3. The real-time rest method of claim 2, wherein after the establishing an interest registry for the user to register interest in response to the second input of the user signing up, the method further comprises:

transferring the stage interest to the child registry;

updating the balance of the sub-registry.

4. The real-time rest method of claim 1, wherein the transaction duration of the first transaction is not a multiple of the current settlement period; before the determining an interest due for the first transaction according to the transaction data and the transaction duration, the method further comprises:

5. The real-time rest method of claim 1, wherein after the first input in response to the user confirming the end of the first transaction, the method further comprises:

acquiring a refund account of the user;

6. A real-time rest apparatus, the apparatus comprising:

the acquisition module is used for responding to first input of the user for confirming the end of the first transaction, and acquiring transaction data and transaction duration of the first transaction; the transaction data is registered on a sub-registry of the first transaction;

the determining module is used for determining the interest to be paid in the first transaction according to the transaction data and the transaction duration;

7. A real-time rest apparatus, the apparatus comprising: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the real-time rest method of any of claims 1-5.

8. A computer-readable storage medium having computer program instructions stored thereon which, when executed by a processor, implement a real-time rest method as claimed in any one of claims 1 to 5.

9. A computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the real-time rest method of any of claims 1-5.