CN117035963A - Interest processing method, interest processing device and interest processing equipment - Google Patents
Interest processing method, interest processing device and interest processing equipment Download PDFInfo
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Abstract
The application provides interest processing method, device and equipment. The method comprises the following steps: under the condition that the account amount in the current account corresponding to the customer identification is smaller than the first amount to be withdrawn in the withdrawal request, determining a second amount to be withdrawn from the first target periodic account according to the first amount and the account amount in the current account, and under the condition that the account amount in the first target periodic account is larger than or equal to the second amount, determining a target utilization value of the actual deposit duration applicable to the first target periodic account according to the accounting rules corresponding to the first target periodic account; counting the second amount according to the target utilization value and the actual deposit duration to obtain interest; transferring interest into a living account, and transferring a second amount to the living account; and withdrawing the first amount from the current account. Therefore, the customer can quickly complete the taking without additional manual operation, and the taking experience of the customer is improved.
Description
Technical Field
The present application relates to the field of big data analysis technologies, and in particular, to a interest processing method, apparatus, and device.
Background
In the related art, in the process of the client making a payment through the financial client, when the financial processing platform corresponding to the money client determines that the money to be paid by the client exceeds the account amount in the current account of the client, the money processing platform returns a prompt message of insufficient balance to the financial client, and correspondingly, the client needs to pay the own periodic account on the money client so as to transfer at least part of the money of the periodic account into the current account, and then again makes a payment operation through the financial client so as to finish the payment. However, this approach requires more manipulation by the customer and is not flexible enough to be appreciated, resulting in a less user experience.
Disclosure of Invention
To this end, an object of the present application is to propose a interest processing method, device and apparatus.
According to a first aspect of the present application, an embodiment provides an interest processing method, including: receiving a pickup request, wherein the pickup request comprises a client identifier and a first amount to be picked; obtaining a second amount obtained by subtracting the account amount in the current account from the first amount under the condition that the account amount in the current account corresponding to the client identifier is smaller than the first amount; determining a target utilization rate value of the actual deposit duration applicable to the first target periodic account according to the corresponding metering rule of the first target periodic account under the condition that the account amount in the first target periodic account corresponding to the client identifier is greater than or equal to the second amount; counting the second amount according to the target utilization rate value and the actual deposit duration to obtain interest; transferring the interest into the living account and transferring the second amount from the first target periodic account to the living account; the first amount is withdrawn from the current account.
Optionally, the accounting rules include respective corresponding interest rate values of each deposit duration interval of the first target periodic account in the contracted deposit, where the interest rate values corresponding to different deposit duration intervals are different, and the determining, according to the accounting rules corresponding to the first target periodic account, the target interest rate value corresponding to the actual deposit duration applicable to the first target periodic account includes: determining the actual deposit duration of the first target periodic account according to the receiving time of the withdrawal request and the account opening time of the first target periodic account; and determining a target deposit duration interval in which the actual deposit duration is located, and taking a interest rate value corresponding to the target deposit duration interval in the accounting rules as the target interest rate value.
Optionally, the determining manner of the first target periodic account corresponding to the client identifier is as follows: acquiring a plurality of candidate periodic accounts corresponding to the client identifications; and taking the candidate periodic account with the account amount larger than or equal to the second amount in the plurality of candidate periodic accounts as the first target periodic account.
Optionally, the step of using a candidate periodic account with an account amount greater than or equal to the second amount of the plurality of candidate periodic accounts as the first target periodic account includes: acquiring a preset drawing order for the plurality of candidate periodic accounts; traversing the plurality of candidate periodic accounts in turn according to the order of retrieval, and judging whether the account amount of the traversed candidate periodic account is greater than or equal to the second amount for the traversed candidate periodic account; and taking the traversed candidate periodic account as the first target periodic account under the condition that the account amount in the traversed candidate periodic account is greater than or equal to the second amount.
Optionally, the method further comprises: under the condition that the deposit duration of the first target periodic account is detected to reach the contracted storage, counting the account amount in the first target periodic account according to the interest rate value corresponding to the contracted storage; and transferring the interest obtained by the interest into the account amount in the first target periodic account to the living account.
Optionally, after transferring the interest derived from the interest and the account amount in the first target periodic account to the living account, the method further includes: and performing marketing processing on the first target periodic account.
Optionally, the method further comprises: judging whether the sum of the account amount in the first target periodic account corresponding to the client identifier and the account amount in the second target periodic account corresponding to the client identifier is larger than the second amount or not under the condition that the account amount in the first target periodic account corresponding to the client identifier is smaller than the second amount; if yes, obtaining a third amount obtained by subtracting the account amount in the first target periodic account from the second amount; and transferring the account amount in the first target periodic account into the active account, and transferring the third amount from the second target periodic account into the active account.
Optionally, before the receiving the fetch request, the method further comprises: judging whether the account amount in the current account is larger than a preset amount threshold value according to a preset time interval; if the account amount in the current account is larger than a preset amount threshold, creating the first target periodic account, and obtaining a fourth amount obtained by subtracting the preset amount threshold from the account amount in the current account; determining a fifth amount to be transferred into the first target periodic account according to the preset base amount and the fourth amount; transferring the fifth amount from the living account to the first target periodic account, wherein the fifth amount is an integer multiple of the preset base amount.
According to the interest processing method provided by the embodiment of the application, under the condition that the account amount in the current account corresponding to the customer identifier is smaller than the first amount to be withdrawn in the withdrawal request, determining the second amount to be withdrawn from the first target periodic account of the customer identifier according to the first amount and the account amount in the current account, and under the condition that the account amount in the first target periodic account is larger than or equal to the second amount, determining a target interest value applicable to the actual deposit duration of the first target periodic account according to the corresponding accounting rules of the first target periodic account; counting the second amount according to the target utilization value and the actual deposit duration to obtain interest; transferring interest into the living account and transferring a second amount from the first target periodic account to the living account; and withdrawing the first amount from the current account. Therefore, the customer can quickly complete the taking without additional manual operation, and the taking experience of the customer is improved.
According to a second aspect of the present application there is provided an interest processing apparatus, the apparatus comprising: the system comprises a receiving module, a receiving module and a processing module, wherein the receiving module is used for receiving a drawing request, and the drawing request comprises a client identifier and a first amount to be drawn; the first acquisition module is used for acquiring a second amount obtained by subtracting the account amount in the current account from the first amount under the condition that the account amount in the current account corresponding to the client identifier is smaller than the first amount; the system comprises a utilization rate value determining module, a first storage module and a second storage module, wherein the utilization rate value determining module is used for determining a target utilization rate value of the actual deposit duration applicable to a first target periodic account according to an interest counting rule corresponding to the first target periodic account under the condition that the account amount in the first target periodic account corresponding to the client identifier is larger than or equal to the second amount; the interest counting module is used for counting the second amount according to the target utilization rate value and the actual deposit duration so as to obtain interest; a transfer module for transferring the interest into the living account and transferring the second amount from the first target periodic account to the living account; and the withdrawing module is used for withdrawing the first amount from the current account.
According to a third aspect of the present application, an electronic device is provided, comprising: the system comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor realizes the interest processing method disclosed by the embodiment of the application when executing the program.
According to the interest processing method and the interest processing device provided by the embodiment of the application, under the condition that the account amount in the current account corresponding to the customer identifier is smaller than the first amount to be withdrawn in the withdrawal request, the second amount to be withdrawn from the first target periodic account of the customer identifier is determined according to the first amount and the account amount in the current account, and under the condition that the account amount in the first target periodic account is larger than or equal to the second amount, the target interest value suitable for the actual deposit duration of the first target periodic account is determined according to the accounting rules corresponding to the first target periodic account; counting the second amount according to the target utilization value and the actual deposit duration to obtain interest; transferring interest into the living account and transferring a second amount from the first target periodic account to the living account; and withdrawing the first amount from the current account. Therefore, the customer can quickly complete the taking without additional manual operation, and the taking experience of the customer is improved.
Additional aspects and advantages of the application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the application.
Drawings
Fig. 1 is a schematic flow chart of a interest processing method according to an embodiment of the present application;
FIG. 2 is a second flow chart of an interest processing method according to an embodiment of the present application;
fig. 3 is a schematic flow chart of a interest processing method according to an embodiment of the present application;
fig. 4 is a flow chart diagram of a interest processing method according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of an interest processing device according to an embodiment of the present application;
FIG. 6 is a schematic diagram of another interest handling apparatus according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.
The technical scheme of the application is to acquire, store, use, process and the like data, which all meet the relevant regulations of national laws and regulations.
The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 1 is a schematic flow chart of an interest processing method according to an embodiment of the present application.
As shown in fig. 1, the method comprises the steps of:
step 101, receiving a pickup request, wherein the pickup request includes a customer identifier and a first amount to be picked.
The interest processing method provided by the embodiment of the application can be executed by an interest processing device, wherein the interest processing device can be realized by software and/or hardware. The interest processing device may be an electronic device, or may be configured in an electronic device. The embodiment of the application is described by taking the example that the interest processing method is configured in the electronic equipment.
The electronic device may be any device with computing capability, for example, may be a personal computer, a mobile terminal, a server, etc., and the mobile terminal may be, for example, a vehicle-mounted device, a mobile phone, a tablet computer, a personal digital assistant, a wearable device, etc., which have various operating systems, touch screens, and/or display screens.
The client identifier in this example is used to uniquely identify the client, and client identifiers corresponding to different clients are different. In some examples, the client may obtain a bank card account number corresponding to the client and use the bank card account number as a client identifier corresponding to the client, for example, the client may obtain the bank card account number by scanning a bank card held by the client and use the bank card account number obtained by scanning as the client identifier, or the client may use the bank card account number input by the client as the client identifier. The first amount to be paid refers to the amount of money required to be paid by the customer corresponding to the customer identification.
Step 102, obtaining a second amount obtained by subtracting the account amount in the current account from the first amount when the account amount in the current account corresponding to the client identifier is smaller than the first amount.
Specifically, after receiving the withdrawal request, the current account corresponding to the customer identifier may be obtained, and whether the account amount in the current account is smaller than the first amount to be withdrawn is determined, if it is determined that the account amount in the current account corresponding to the customer identifier is smaller than the first amount, a second amount obtained by subtracting the account amount in the current account from the first amount is obtained
Step 103, determining a target utilization rate value of the actual deposit duration applicable to the first target periodic account according to the accounting rules corresponding to the first target periodic account when the account amount in the first target periodic account corresponding to the customer identification is greater than or equal to the second amount.
In some examples, the first target periodic account may be a periodic account preset in the interest processing device by the customer corresponding to the customer identification, so that the withdrawal may be made from the first target periodic account if the amount of the withdrawal exceeds the account amount of the current account. In other examples, a plurality of candidate periodic accounts corresponding to the customer identification are also obtained; and taking the candidate periodic account with the account amount larger than or equal to the second amount in the plurality of candidate periodic accounts as the first target periodic account.
And 104, counting the second amount according to the target utilization value and the actual deposit duration to obtain interest.
It is understood that the obtained target rate value is a rate value set in time units of year, and when the second amount is counted, the target rate value may be divided to obtain a rate value in time units identical to the actual deposit duration.
For example, the target value of the availability is 1.35%/year (1.35%/year indicates a annual interest rate of 1.35%), the actual deposit time is 9 days, and correspondingly, the customer pays 35000 in the current account opened for the 10 th year 2022 and the 1 th year 2022 on the 10 th month 2022, and the current account is given a regular product for purchase according to the contract every day and transfers the amount to the regular account, assuming that the current account amount in the current account is 20400, the current account amount in the regular account is 29600, and correspondingly, the second amount obtained by subtracting the account amount in the current account from the first amount is 14600 when the account balance of the current account is insufficient for the compensation, and correspondingly, the interest is 14600 x 1.35% ≡360 x 9=4.93 for the second amount. It will be appreciated that when the created current account is withdrawn 35000, when the account amount in the current account is less than 35000, the obtained interest 4.93 and the withdrawal 14600 from the corresponding periodic account are transferred to the current account, respectively.
Step 105, transfer interest into the living account and transfer a second amount from the first target periodic account to the living account.
Step 106, the first amount is drawn from the current account.
According to the interest processing method provided by the embodiment of the application, under the condition that the account amount in the current account corresponding to the customer identifier is smaller than the first amount to be extracted in the extraction request, the second amount to be extracted from the first target periodic account of the customer identifier is determined according to the first amount and the account amount in the current account, and under the condition that the account amount in the first target periodic account is larger than or equal to the second amount, the target interest value suitable for the actual deposit duration of the first target periodic account is determined according to the accounting rules corresponding to the first target periodic account; counting the second amount according to the target utilization value and the actual deposit duration to obtain interest; transferring interest into the living account and transferring a second amount from the first target periodic account to the living account; and withdrawing the first amount from the current account. Therefore, the customer can quickly complete the taking without additional manual operation, and the taking experience of the customer is improved.
In one embodiment of the present application, in order to reduce the trouble of manually creating a periodic account by a customer, and improve intelligence, in some examples, before receiving a pickup request, whether the account amount in the current account is greater than a preset amount threshold may be further determined according to a preset time interval, if the account amount in the current account is greater than the preset amount threshold, a first target periodic account corresponding to the customer identifier is created, and a fourth amount obtained by subtracting the preset amount threshold from the account amount in the current account is obtained; determining a fifth amount to be transferred into the first target periodic account according to the preset base amount and the fourth amount; transferring a fifth amount from the current account to the first target periodic account, wherein the fifth amount is an integer multiple of the preset base amount.
In this example, according to the preset base amount and the fourth amount, the manner of determining the fifth amount to be transferred into the first target periodic account is: and obtaining a quotient value obtained by dividing the fourth amount by the preset base amount, rounding the quotient value to obtain a rounding result, and multiplying the rounding result with the preset base amount to obtain a result as a fifth amount.
For example, the preset base amount is 800, the preset amount threshold is 20000, correspondingly, the customer deposits 50000 in the corresponding current account on the 1 st month of 2022 and appoints to purchase the specified periodic product for the customer every day, correspondingly, the periodic account created when the periodic product is purchased can be automatically purchased for the customer on the 2 nd month of 2022, correspondingly, the periodic account created when the periodic product is purchased is acquired, the fourth amount obtained by subtracting the preset amount threshold from the account amount in the current account is 30000 when the account amount in the current account is determined to be greater than the preset amount threshold, correspondingly, 29600 obtained by rounding (30000/800) the account obtained by the 800 can be taken as the fifth amount, and 29600 can be transferred from the current account to the created periodic account. It will be appreciated that, after the transfer 29600 to the created periodic account, the current account amount in the corresponding current account is 20400. I.e. the amount remaining in the current account is 20400.
It should be noted that, the customer may set a periodic product to be purchased in the information processing apparatus, and may set a time interval for which the periodic product is automatically purchased in the information processing apparatus according to the requirement, for example, may set a time interval for which the periodic product is purchased daily.
The preset time interval is a preset time interval in the interest processing device, for example, the preset time interval may be 24 hours, 2 days, or 7 days, etc., and in practical application, the client may set the value of the preset time interval according to the actual requirement, which is not limited in this embodiment.
The preset base amount can be preset according to actual requirements and can be changed, and the value of the preset base amount is not particularly limited in this embodiment.
Based on the above embodiment, in order to clearly understand how to determine the target value of the benefit corresponding to the actual deposit duration applicable to the first target periodic account according to the accounting rules corresponding to the first target periodic account, a method of this embodiment is further exemplarily described below with reference to fig. 2.
Fig. 2 is a flowchart of a interest processing method according to an embodiment of the present application.
As shown in fig. 2, the method may include:
in step 201, a request for a payout is received, where the payout request includes a customer identification, a first amount to be payout.
Step 202, obtaining a second amount obtained by subtracting the account amount in the current account from the first amount when the account amount in the current account corresponding to the client identifier is smaller than the first amount.
It should be noted that, for the specific description of step 201 and step 202, reference may be made to the related description of the embodiment of the present application, which is not repeated here.
Step 203, determining the actual deposit duration of the first target periodic account according to the receiving time of the withdrawal request and the account opening time of the first target periodic account when the account amount in the first target periodic account corresponding to the customer identifier is greater than or equal to the second amount.
Step 204, determining a target deposit duration interval in which the actual deposit duration is located, and taking a interest rate value corresponding to the target deposit duration interval in a billing rule corresponding to the target periodic account as a target interest rate value, wherein the interest rate values corresponding to the deposit duration intervals in the contracted memory of the first target periodic account in the billing rule are different, and the interest rate values corresponding to different deposit duration intervals are different.
It is understood that the target deposit duration interval is one of a plurality of deposit duration intervals in the information rule.
Wherein it is understood that the first target periodic account is a periodic account created by a corresponding customer for the corresponding customer when purchasing the corresponding periodic product, wherein the billing rules of the first target periodic account are determined by the periodic product purchased by the customer.
Wherein it is appreciated that the appointment lifetime has been set when the first target periodic account is opened. For example, the contract lifetime may be three years, five years, ten years, or the like, and the embodiment is not particularly limited to the contract lifetime.
For example, when the second amount to be drawn in the first target periodic account is determined to be 2000, the contracted storage period is three years, the corresponding interest calculating rule is shown in table 1, and when the actual deposit duration of the first target periodic account is determined to be 2 months, the actual deposit duration can be determined to be within a deposit duration interval of 7 days to 3 months through the interest calculating rule, at this time, an interest rate value 2 corresponding to the deposit duration interval of 7 days to 3 months can be taken as a target interest rate value, and the interest of 2000 in the first target periodic account can be calculated according to the interest rate value 2 and the actual deposit duration, so as to obtain the corresponding interest.
Wherein, table 1 rules table of the information
| Deposit duration interval | Interest rate |
| For 0 to 7 days | Value of the utilization 1 |
| 7 days to 3 months | Value of the utilization 2 |
| 3 months to 6 months | Value of the utilization 3 |
| 6 months to 1 year | Value of the utilization 4 |
| 1 year to 2 years | Value of the utilization 5 |
| 2 years to 3 years | Value of the utilization 6 |
| For 3 years full | Value of the utilization 7 |
And 205, counting the second amount according to the target utilization value and the actual deposit duration to obtain interest.
Step 206, transferring interest into the living account and transferring a second amount from the first target periodic account to the living account.
Step 207, withdraw the first amount from the current account.
It should be noted that, for the specific description of step 205 to step 207, reference may be made to the related description in the embodiment of the present application, and the detailed description is omitted herein.
In this example, in the process of withdrawing the second amount from the first target periodic account, determining an actual deposit duration of the first target periodic account in combination with a time of receipt of the withdrawal request and a time of opening the account of the first target periodic account; and determining a target deposit duration interval in which the actual deposit duration is located, taking a interest rate value corresponding to the target deposit duration interval in the interest counting rule as a target interest rate value, and counting the second amount of money based on the target interest rate value. Therefore, in the process of taking out, the corresponding amount is counted by combining the actual deposit duration, so that the client can take out conveniently and the interest and income of the client can be improved.
Based on the above embodiment, in order to reduce the trouble of the manual transfer of the customer after the expiration of the periodic account, in this example, in the case where it is detected that the deposit duration of the first target periodic account reaches the contracted deposit period, the account amount in the first target periodic account is counted according to the interest rate value corresponding to the contracted deposit period, and the interest obtained by the counting and the account amount in the first target periodic account are transferred to the living account.
It can be understood that the case of counting the account amount in the first target periodic account by the utilization value corresponding to the contracted lifetime is applicable to a portion where the account amount in the first target periodic account is not paid in advance.
In some examples, when the condition that the deposit duration of the first target periodic account reaches the contracted deposit duration is detected, in order to reduce the trouble of manually selling the user, after the interest obtained by the accounting and the account amount in the first target periodic account are transferred to the active account, the first target periodic account may be further subjected to user selling.
In other examples, when the condition that the deposit duration of the first target periodic account reaches the contracted deposit period is detected, a prompt message of whether to automatically transfer is output, and when a confirmation instruction for the prompt message is received, interest of the first target periodic account is transferred to the first target periodic account, and the deposit duration of the first target periodic account is set to the contracted deposit period again.
It will be appreciated that upon receipt of a negative instruction for the prompt, the interest of the first target periodic account and the account amount of the first target periodic account are transferred to the current account.
In other examples, when the deposit duration of the first target periodic account is detected to reach the contracted deposit period, determining whether an automatic transfer function corresponding to the first target periodic account is in an open state, if so, transferring interest of the first target periodic account to the first target periodic account, and setting the deposit duration of the first target periodic account to be the contracted deposit period again. Thus, automatic transfer is automatically performed for the periodic account, and the trouble of manually transferring funds in the periodic account by a customer is reduced.
In one embodiment of the present application, it is understood that, for a customer, a current account corresponding to a customer identifier may be transferred to a plurality of periodic accounts corresponding to customer identifiers, so as to clearly understand how to determine a first target periodic account corresponding to the customer identifier. The interest processing method of this embodiment is further exemplarily described below with reference to fig. 3.
Fig. 3 is a flowchart III of an interest processing method according to an embodiment of the present application.
As shown in fig. 3, the method comprises the steps of:
step 301, a plurality of candidate periodic accounts corresponding to the customer identifiers are obtained.
It can be understood that the periodic accounts corresponding to the plurality of customer identifications are transferred according to the current account corresponding to the customer identification, so as to obtain a plurality of candidate periodic accounts corresponding to the customer identification.
Step 302, obtaining a preset order of withdrawal for a plurality of candidate periodic accounts.
In this example, the order of the plurality of candidate periodic accounts may be set in the order of front to back of the opening time of the plurality of candidate periodic accounts, or the order of the plurality of candidate periodic accounts may be set by the customer according to his own needs, which is not particularly limited in this embodiment.
Step 303, traversing the plurality of candidate periodic accounts in turn according to the order of the withdrawal, and judging whether the account amount of the traversed candidate periodic account is greater than or equal to the second amount for the traversed candidate periodic account.
And step 304, taking the traversed candidate periodic account as the first target periodic account when the account amount in the traversed candidate periodic account is greater than or equal to the second amount.
In some exemplary embodiments, it may be understood that, in the case where the account amount in the first target periodic account corresponding to the customer identifier is smaller than the second amount, the pre-fetching of only one target periodic account may not occur, so that it may be clearly understood how the pre-fetching of multiple target periodic accounts occurs. The interest processing method of this embodiment is further exemplarily described below with reference to fig. 4.
Fig. 4 is a flowchart of a interest processing method according to an embodiment of the present application.
As shown in fig. 4, the method comprises the steps of:
step 401, determining whether the sum of the account amount in the first target periodic account corresponding to the client identifier and the account amount in the second target periodic account corresponding to the client identifier is greater than the second amount when the account amount in the first target periodic account corresponding to the client identifier is less than the second amount.
Wherein the second target periodic account is different from the first target periodic account. In some examples, after the plurality of candidate periodic accounts corresponding to the customer identification are obtained, determining a periodic account to be drawn from the plurality of candidate periodic accounts according to a drawing order preset for the plurality of candidate periodic accounts and a second amount, wherein the periodic account to be drawn comprises a first target periodic account and a second target periodic account, the position of the first target periodic account in the drawing order is located before the second target periodic account, and the sum of the account amount of the first target periodic account and at least part of the account amount of the second target periodic account is equal to the second amount.
Step 402, if yes, obtaining a third amount obtained by subtracting the account amount in the first target periodic account from the second amount.
Step 403, transferring the account amount in the first target periodic account into the living account, and transferring a third amount from the second target periodic account into the living account.
In this example, the account amount in the first target periodic account may also be accounted for according to the target value of the availability and the actual deposit duration, and the interest obtained by the accounting may be transferred to the active account.
In addition, according to the accounting rules corresponding to the second target periodic account, determining a target utilization rate value of the actual deposit duration applicable to the second target periodic account, accounting the account amount in the second target periodic account according to the target utilization rate value and the actual deposit duration, and transferring interest obtained by accounting into the active account.
The rules of interest for the first target periodic account and the second target periodic account in this example may be the same or different, and the embodiment is not specifically limited thereto.
In this example, the same rules of interest corresponding to the first target periodic account and the second target periodic account are taken as an example.
The determination manner of the actual deposit duration of the second target periodic account is similar to that of the first target periodic account, and is not described herein.
It may be understood that if the sum of the account amount in the first target periodic account and the account amount in the second target periodic account corresponding to the customer identifier is still not greater than the second amount, determining the next target periodic account according to the preset order of taking the account until all the periodic accounts are determined or the sum of the account amounts in the determined target periodic accounts is greater than the second amount.
Fig. 5 is a schematic structural diagram of an interest processing device according to an embodiment of the present application.
As shown, the interest processing apparatus 500 includes: a receiving module 501, a first obtaining module 502, a interest value determining module 503, an interest calculating module 504, a transferring module 505 and a taking module 506.
A receiving module 501, configured to receive a pickup request, where the pickup request includes a customer identifier and a first amount to be picked up;
the first obtaining module 502 is configured to obtain, when an account amount in the current account corresponding to the client identifier is less than the first amount, a second amount obtained by subtracting the account amount in the current account from the first amount;
A benefit value determining module 503, configured to determine, according to a metering rule corresponding to the first target periodic account, a target benefit value applicable to an actual deposit duration of the first target periodic account when an account amount in the first target periodic account corresponding to the customer identifier is greater than or equal to the second amount;
the interest counting module 504 is configured to count a second amount according to the target value of the availability and the actual deposit duration, so as to obtain interest;
a transfer module 505 for transferring interest into the living account and transferring a second amount from the first target periodic account to the living account;
and a withdrawal module 506 for withdrawing the first amount from the current account.
In one embodiment of the present application, the accounting rules include respective interest rate values corresponding to respective deposit duration intervals of the first target periodic account in the contracted deposit, where interest rate values corresponding to different deposit duration intervals are different, and the interest rate value determining module 503 determines, according to the accounting rules corresponding to the first target periodic account, a target interest rate value corresponding to an actual deposit duration applicable to the first target periodic account, and further includes:
a first determining unit 5031, configured to determine an actual deposit duration of the first target periodic account according to a receiving time of the withdrawal request and an account opening time of the first target periodic account;
The second determining unit 5032 is configured to determine a target deposit duration interval in which the actual deposit duration is located, and take, as a target benefit value, a benefit value corresponding to the target deposit duration interval in the interest calculation rule.
Based on the above embodiments, another possible implementation manner of the interest processing device is further provided in the embodiments of the present application, and fig. 6 is a schematic structural diagram of another interest processing device provided in the embodiments of the present application, where on the basis of the above embodiment, the interest processing device 600 further includes:
a first target periodic account determination module 607 for: acquiring a plurality of candidate periodic accounts corresponding to the customer identifications; and taking the candidate periodic account with the account amount larger than or equal to the second amount in the plurality of candidate periodic accounts as the first target periodic account.
Based on the above embodiment, the first target periodic account determination module 607 is further configured to: acquiring a preset drawing order for a plurality of candidate periodic accounts; traversing the plurality of candidate periodic accounts in turn according to the order of the payment, and judging whether the account amount of the traversed candidate periodic accounts is larger than or equal to the second amount for the traversed candidate periodic accounts; and taking the traversed candidate periodic account as the first target periodic account when the account amount in the traversed candidate periodic account is greater than or equal to the second amount.
In one embodiment of the present application, when it is detected that the deposit duration of the first target periodic account reaches the contracted deposit period, the corresponding accounting module 604 is further configured to count the account amount in the first target periodic account according to the interest rate value corresponding to the contracted deposit period;
correspondingly, the transfer module 605 is further configured to transfer the interest obtained by the accounting and the account amount in the first target periodic account to the current account.
Based on the above embodiment, after transferring the interest obtained by the interest and the account amount in the first target periodic account to the living account, the interest processing apparatus 600 further includes:
the marketing module 608 is configured to marketing the first target periodic account.
In one embodiment of the present application, interest processing apparatus 600 further comprises:
a first determining module 609, configured to determine, if an account amount in the first target periodic account corresponding to the client identifier is less than the second amount, whether a sum of the account amount in the first target periodic account corresponding to the client identifier and the account amount in the second target periodic account corresponding to the client identifier is greater than the second amount;
if so, a second obtaining module 610 is configured to obtain a third amount obtained by subtracting the account amount in the first target periodic account from the second amount;
Correspondingly, the transfer module 605 is further configured to transfer the account amount in the first target periodic account to the living account, and transfer the third amount from the second target periodic account to the living account.
In one embodiment of the application, prior to receiving the withdrawal request, interest processing means 600 further comprises:
a second judging module 611, configured to judge, according to a preset time interval, whether an account amount in the current account is greater than a preset amount threshold;
a third obtaining module 612, configured to obtain a fourth amount obtained by subtracting the preset amount threshold from the account amount in the current account if the account amount in the current account is greater than the preset amount threshold;
a fourth obtaining module 613, configured to determine a fifth amount to be transferred into the first target periodic account according to the preset base amount and the fourth amount;
correspondingly, the transfer module 605 is further configured to transfer a fifth amount from the current account to the first target periodic account, where the fifth amount is an integer multiple of the preset base amount.
According to the interest processing device provided by the embodiment of the application, under the condition that the account amount in the current account corresponding to the client identifier is smaller than the first amount to be extracted in the extraction request, determining the second amount to be extracted from the first target periodic account of the client identifier according to the first amount and the account amount in the current account, and under the condition that the account amount in the first target periodic account is larger than or equal to the second amount, determining a target interest value applicable to the actual deposit duration of the first target periodic account according to the accounting rules corresponding to the first target periodic account; counting the second amount according to the target utilization value and the actual deposit duration to obtain interest; transferring interest into the living account and transferring a second amount from the first target periodic account to the living account; and withdrawing the first amount from the current account. Therefore, the customer can quickly complete the taking without additional manual operation, and the taking experience of the customer is improved.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 7, the electronic device 700 may include: a transceiver 701, a processor 702, a memory 703.
The processor 702 executes computer-executable instructions stored in the memory, causing the processor 702 to perform the aspects of the embodiments described above. The processor 702 may be a general-purpose processor including a central processing unit CPU, a network processor (network processor, NP), etc.; but may also be a digital signal processor DSP, an application specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component.
The memory 703 is connected to the processor 702 via a system bus and communicates with each other, the memory 703 being arranged to store computer program instructions.
The system bus may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The system bus may be classified into an address bus, a data bus, a control bus, and the like. For ease of illustration, the figures are shown with only one bold line, but not with only one bus or one type of bus. The transceiver is used to enable communication between the database access device and other computers (e.g., clients, read-write libraries, and read-only libraries). The memory may include random access memory (random access memory, RAM) and may also include non-volatile memory (non-volatile memory).
The electronic device provided by the embodiment of the application can be the terminal device of the embodiment.
The embodiment of the application also provides a chip for running the instruction, which is used for executing the technical scheme of the interest processing method in the embodiment.
The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer instructions, and when the computer instructions run on a computer, the computer is caused to execute the technical scheme of the interest processing method of the embodiment.
In the description of the present application, it should be understood that the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In the description of the present application, the meaning of "plurality" means at least two, for example, two, three, etc., unless specifically defined otherwise.
In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.
While embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives and variations may be made to the above embodiments by one of ordinary skill in the art within the scope of the invention.
Claims (10)
1. A method of interest processing, the method comprising:
receiving a pickup request, wherein the pickup request comprises a client identifier and a first amount to be picked;
obtaining a second amount obtained by subtracting the account amount in the current account from the first amount under the condition that the account amount in the current account corresponding to the client identifier is smaller than the first amount;
determining a target utilization rate value of the actual deposit duration applicable to the first target periodic account according to the corresponding metering rule of the first target periodic account under the condition that the account amount in the first target periodic account corresponding to the client identifier is greater than or equal to the second amount;
counting the second amount according to the target utilization rate value and the actual deposit duration to obtain interest;
transferring the interest into the living account and transferring the second amount from the first target periodic account to the living account;
The first amount is withdrawn from the current account.
2. The method of claim 1, wherein the accounting rules include respective interest rate values for each deposit duration interval in the contracted deposit for the first target periodic account, wherein the interest rate values for different deposit duration intervals are different, and wherein determining the target interest rate value for the actual deposit duration applicable to the first target periodic account according to the accounting rules for the first target periodic account includes:
determining the actual deposit duration of the first target periodic account according to the receiving time of the withdrawal request and the account opening time of the first target periodic account;
and determining a target deposit duration interval in which the actual deposit duration is located, and taking a interest rate value corresponding to the target deposit duration interval in the accounting rules as the target interest rate value.
3. The method of claim 1, wherein the first target periodic account corresponding to the customer identification is determined by:
acquiring a plurality of candidate periodic accounts corresponding to the client identifications;
and taking the candidate periodic account with the account amount larger than or equal to the second amount in the plurality of candidate periodic accounts as the first target periodic account.
4. The method of claim 3, wherein the regarding the candidate periodic account of the plurality of candidate periodic accounts having an account amount greater than or equal to the second amount as the first target periodic account comprises:
acquiring a preset drawing order for the plurality of candidate periodic accounts;
traversing the plurality of candidate periodic accounts in turn according to the order of retrieval, and judging whether the account amount of the traversed candidate periodic account is greater than or equal to the second amount for the traversed candidate periodic account;
and taking the traversed candidate periodic account as the first target periodic account under the condition that the account amount in the traversed candidate periodic account is greater than or equal to the second amount.
5. The method of claim 2, wherein the method further comprises:
under the condition that the deposit duration of the first target periodic account is detected to reach the contracted storage, counting the account amount in the first target periodic account according to the interest rate value corresponding to the contracted storage;
and transferring the interest obtained by the interest into the account amount in the first target periodic account to the living account.
6. The method of claim 5, wherein after transferring the interest from the interest and the account amount in the first target periodic account to the living account, the method further comprises:
and performing marketing processing on the first target periodic account.
7. The method of claim 1, wherein the method further comprises:
judging whether the sum of the account amount in the first target periodic account corresponding to the client identifier and the account amount in the second target periodic account corresponding to the client identifier is larger than the second amount or not under the condition that the account amount in the first target periodic account corresponding to the client identifier is smaller than the second amount;
if yes, obtaining a third amount obtained by subtracting the account amount in the first target periodic account from the second amount;
and transferring the account amount in the first target periodic account into the active account, and transferring the third amount from the second target periodic account into the active account.
8. The method of any of claims 1-7, wherein prior to the receiving a fetch request, the method further comprises:
Judging whether the account amount in the current account is larger than a preset amount threshold value according to a preset time interval;
if the account amount in the current account is larger than a preset amount threshold, creating the first target periodic account, and obtaining a fourth amount obtained by subtracting the preset amount threshold from the account amount in the current account;
determining a fifth amount to be transferred into the first target periodic account according to the preset base amount and the fourth amount;
transferring the fifth amount from the living account to the first target periodic account, wherein the fifth amount is an integer multiple of the preset base amount.
9. An interest processing apparatus, the apparatus comprising:
the system comprises a receiving module, a receiving module and a processing module, wherein the receiving module is used for receiving a drawing request, and the drawing request comprises a client identifier and a first amount to be drawn;
the first acquisition module is used for acquiring a second amount obtained by subtracting the account amount in the current account from the first amount under the condition that the account amount in the current account corresponding to the client identifier is smaller than the first amount;
the system comprises a utilization rate value determining module, a first storage module and a second storage module, wherein the utilization rate value determining module is used for determining a target utilization rate value of the actual deposit duration applicable to a first target periodic account according to an interest counting rule corresponding to the first target periodic account under the condition that the account amount in the first target periodic account corresponding to the client identifier is larger than or equal to the second amount;
The interest counting module is used for counting the second amount according to the target utilization rate value and the actual deposit duration so as to obtain interest;
a transfer module for transferring the interest into the living account and transferring the second amount from the first target periodic account to the living account;
and the withdrawing module is used for withdrawing the first amount from the current account.
10. An electronic device, comprising:
memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the interest processing method as claimed in any one of claims 1-8 when the program is executed by the processor.
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| CN114912999A (en) * | 2022-05-16 | 2022-08-16 | 中国银行股份有限公司 | Interest counting method and device, electronic equipment and computer storage medium |
| CN115439224A (en) * | 2022-09-15 | 2022-12-06 | 吉林银行股份有限公司 | Interest counting method, system and equipment for large-volume deposit list |
| CN116402504A (en) * | 2023-04-13 | 2023-07-07 | 中国工商银行股份有限公司 | Request response method, device, equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114912999A (en) * | 2022-05-16 | 2022-08-16 | 中国银行股份有限公司 | Interest counting method and device, electronic equipment and computer storage medium |
| CN115439224A (en) * | 2022-09-15 | 2022-12-06 | 吉林银行股份有限公司 | Interest counting method, system and equipment for large-volume deposit list |
| CN116402504A (en) * | 2023-04-13 | 2023-07-07 | 中国工商银行股份有限公司 | Request response method, device, equipment and storage medium |
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