CN117078393A - Interest distribution processing method, device, equipment and medium for virtual account - Google Patents

Abstract

The application provides a interest distribution processing method, device, equipment and medium for a virtual account, relates to a virtual asset technology, and can be used in the financial field or other fields. The method comprises the following steps: acquiring the balance of a daily terminal account corresponding to each of a plurality of virtual sub-accounts under the entity main account; calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts; calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts; and calculating to obtain interest distribution limits corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution limits. The method is used for solving the problem that virtual account interest distribution cannot be processed efficiently and accurately in the prior art.

Description

Interest distribution processing method, device, equipment and medium for virtual account

Technical Field

The application relates to the technical field of virtual assets, which can be used in the financial field or other fields. And more particularly, to a method, apparatus, device, and medium for interest distribution processing of virtual accounts.

Background

Currently, to effectively manage funds, group customers often choose to use some funds management product.

With the development of the unit scale of the group, the number of internal institutions of the group is increased, so that the fund accounts of the internal institutions are used as virtual sub-accounts, and fund exchange is carried out between the fund accounts and entity main accounts of the group. In this way, not only can funds be contributed to the entity main account, and a higher fund benefit can be obtained with the entity main account as a whole, but also funds can be borrowed from the entity main account, but in this case, the virtual sub-account needs to pay interest to the entity main account.

Accordingly, there is a need to distribute revenue to each internal organization individually by the group as a whole, but there is a lack of efficient and accurate solutions for handling virtual account interest distribution in the prior art.

Disclosure of Invention

The application provides a interest distribution processing method, device, equipment and medium for virtual accounts, which are used for solving the problem that the interest distribution of the virtual accounts cannot be processed efficiently and accurately in the prior art, so as to realize the technical effect of accurately determining the interest distribution limit corresponding to each virtual sub-account.

In a first aspect, the present application provides a method for processing interest distribution of a virtual account, including:

acquiring the balance of a daily terminal account corresponding to each of a plurality of virtual sub-accounts under the entity main account;

calculating the daily interest calculation product number corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts;

calculating the product number according to the current day interest corresponding to each of the virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the virtual sub-accounts;

and calculating and obtaining interest allocation lines corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account allocates interest to the virtual sub-accounts based on the interest allocation lines.

Further, according to the balance of the day-to-day account corresponding to each of the plurality of virtual sub-accounts, calculating the calculated product number of the day interest corresponding to each of the plurality of virtual sub-accounts, including:

if the balance of the daily final account corresponding to the virtual sub-account is a first balance, determining that the daily interest calculation product number corresponding to the virtual sub-account is a credit product number, wherein the first balance is a positive number larger than zero;

If the balance of the daily final account corresponding to the virtual sub-account is a second balance, determining that the daily interest calculation product number corresponding to the virtual sub-account is a debit product number, wherein the second balance is a negative number smaller than zero;

and if the balance of the daily final account corresponding to the virtual sub-account is zero, determining that the calculated product number of the daily interest corresponding to the virtual sub-account is zero.

Further, after calculating the calculated product number of the current day interest corresponding to each of the plurality of virtual sub-accounts according to the balance of the final day account corresponding to each of the plurality of virtual sub-accounts, the method further includes:

and updating the daily interest calculation product number corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts, and obtaining the updated interest calculation product number.

Further, updating the daily interest calculation product number corresponding to each of the plurality of virtual sub-accounts according to the daily end account balance corresponding to each of the plurality of virtual sub-accounts, to obtain an updated interest calculation product number, including:

if the balance of the daily final account corresponding to the virtual sub-account is a first balance, the credit accumulation is increased by adopting the first balance;

If the balance of the daily final account corresponding to the virtual sub-account is a second balance, the absolute value of the second balance is adopted to adjust and increase the debit;

and if the balance of the daily final account corresponding to the virtual sub-account is zero, the accumulation update processing is not needed.

Further, the method further comprises the steps of:

determining the current interest balance of a public account on the interest date of the entity main account, wherein the public account is used for recording the interest distribution amount which is not distributed to a plurality of virtual sub-accounts by the entity main account;

if the current interest balance of the public account is a third balance and the current interest balance of the public account is a credit interest balance, adjusting and subtracting the credit accumulation number of the public account and the credit interest balance of the public account, wherein the third balance is a positive number larger than zero;

if the current interest balance of the public account is a fourth balance, the current interest balance of the public account does not need to be adjusted, wherein the fourth balance is a negative number smaller than zero.

Further, the method further comprises the steps of:

inquiring whether the entity main account has a current day interest transaction or not to determine the interest day of the entity main account, wherein the current day interest transaction comprises at least one of the following steps: a checkout transaction, a checkout deduction transaction;

And triggering the calculation of the product number according to the interest of the corresponding current day of each of the plurality of virtual sub-accounts on the interest date of the entity main account, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts.

Further, calculating a product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain interest bearing proportions corresponding to each of the plurality of virtual sub-accounts, including:

inquiring the daily interest calculation product number of all virtual sub-accounts under the entity main account according to the account number of the entity main account to obtain the sum of the credit product numbers and the sum of the debit product numbers of all the virtual sub-accounts;

calculating the total credit amount of all the virtual sub-accounts based on the sum of the credit amounts, and calculating the total debit amount of all the virtual sub-accounts based on the sum of the debit amounts;

and calculating the positive interest bearing proportion of each virtual sub-account according to the credit accumulation number and the credit accumulation total amount of each virtual sub-account, and calculating the negative interest bearing proportion of each virtual sub-account according to the borrow accumulation number and the borrow accumulation total amount of each virtual sub-account.

Further, according to the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts, calculating to obtain interest distribution limits corresponding to each of the plurality of virtual sub-accounts, including:

calculating the net interest amount of the entity main account according to the deposit interest and overdrawing interest of the entity main account;

if the net interest amount is greater than zero, calculating the corresponding virtual sub-account interest distribution amount based on the net interest amount and the positive interest bearing proportion of the virtual sub-account;

and if the net interest amount is smaller than zero, calculating the corresponding virtual sub-account interest distribution amount based on the net interest amount and the negative interest bearing proportion of the virtual sub-account.

In a second aspect, the present application provides an interest distribution processing apparatus for a virtual account, including:

the acquisition module is used for acquiring the balance of the daily terminal account corresponding to each of the plurality of virtual sub-accounts under the entity main account;

the product number calculation module is used for calculating the product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts;

the proportion calculation module is used for calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts;

And the interest calculation module is used for calculating and obtaining interest distribution lines corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution lines.

Further, the product number calculation module includes:

a first determining unit, configured to determine that a daily interest calculation product number corresponding to the virtual sub-account is a credit product number if a daily end account balance corresponding to the virtual sub-account is a first balance, where the first balance is a positive number greater than zero;

a second determining unit, configured to determine that the calculated daily interest amount corresponding to the virtual sub-account is a debit amount if the balance of the daily final account corresponding to the virtual sub-account is a second balance, where the second balance is a negative number less than zero;

and a third determining unit, configured to determine that the current day interest calculation product number corresponding to the virtual sub-account is zero if the balance of the final day account corresponding to the virtual sub-account is zero.

Further, the apparatus further includes:

the determining module is used for determining the daily interest balance of the public account on the interest date of the entity main account, wherein the public account is used for recording the interest distribution amount which is not distributed to the plurality of virtual sub-accounts by the entity main account;

The first adjustment module is configured to adjust and subtract the credit accumulation number of the public account and the credit interest balance of the public account if the current interest balance of the public account is a third balance and the current interest balance of the public account is a credit interest balance, where the third balance is a positive number greater than zero;

and the second adjustment module is used for not adjusting the daily interest balance of the public account if the daily interest balance of the public account is a fourth balance, wherein the fourth balance is a negative number smaller than zero.

Further, the apparatus further includes:

the inquiring module is used for inquiring whether the entity main account has the current day interest transaction or not so as to determine the interest date of the entity main account, wherein the current day interest transaction comprises at least one of the following steps: a checkout transaction, a checkout deduction transaction;

and the trigger execution module is used for triggering and executing the proportion calculation module on the interest date of the entity main account.

Further, the above ratio calculating module includes:

the inquiring unit is used for inquiring the daily interest calculation product number of all the virtual sub-accounts under the entity main account according to the account number of the entity main account to obtain the sum of the credit product numbers and the sum of the debit product numbers of all the virtual sub-accounts;

The first calculation unit is used for calculating the total credit accumulation amount of all the virtual sub-accounts based on the sum of the credit accumulation amounts and calculating the total debit accumulation amount of all the virtual sub-accounts based on the sum of the debit accumulation amounts;

and the second calculation unit is used for calculating the positive interest bearing proportion of each virtual sub-account according to the credit accumulation number and the credit accumulation total amount of each virtual sub-account, and calculating the negative interest bearing proportion of each virtual sub-account according to the borrow accumulation number and the borrow accumulation total amount of each virtual sub-account.

Further, the interest calculation module includes:

a third calculation unit, configured to calculate a net interest amount of the entity main account according to deposit interest and overdraft interest of the entity main account;

a fourth calculation unit, configured to calculate, if the net interest amount is greater than zero, a corresponding virtual sub-account interest allocation credit based on the net interest amount and a positive interest bearing proportion of the virtual sub-account;

and a fifth calculation unit configured to calculate the corresponding virtual sub-account interest allocation credit based on the net interest amount and the negative interest bearing ratio of the virtual sub-account if the net interest amount is less than zero.

Further, the apparatus further includes:

and the accumulation update module is used for updating the daily interest calculation accumulation corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts to obtain the updated interest calculation accumulation.

Further, the product number updating module includes:

a first updating unit, configured to, if a balance of a day-to-day account corresponding to the virtual sub-account is a first balance, increment the credit accumulation by using the first balance;

a second updating unit, configured to, if the balance of the day-to-day account corresponding to the virtual sub-account is a second balance, increase the debit by using an absolute value of the second balance;

and the third updating unit is used for not carrying out the accumulation updating processing if the balance of the daily final account corresponding to the virtual sub-account is zero.

In a third aspect, the present application provides an electronic device comprising: a processor and a memory connected with the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored in the memory to implement the method as described in any one of the above.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions which, when executed by a processor, are adapted to carry out a method as any one of the above.

In a fifth aspect, the application provides a computer program product comprising a computer program which, when executed by a processor, implements any of the methods described above.

According to the interest distribution processing method, device, equipment and medium for the virtual account, provided by the application, the daily terminal account balance corresponding to each of a plurality of virtual sub-accounts under the entity main account is obtained; calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts; calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts; and calculating to obtain interest distribution limits corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution limits. The method is used for solving the problem that the interest distribution of the virtual account cannot be processed efficiently and accurately in the prior art, so as to achieve the technical effect of accurately determining the interest distribution limit corresponding to each virtual sub-account.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

Fig. 1 is a flow chart of a interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 2 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 3 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 4 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 5 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 6 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application;

fig. 7 is a block diagram of a device for processing interest distribution of a virtual account according to an embodiment of the present application;

fig. 8 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.

To effectively manage funds, group customers often choose a funds management product. With the development of the scale of the public institutions, the number of internal institutions is increased, the internal institutions act as funds between the sub-accounts and the main accounts, funds can be contributed to the main accounts, and higher funds benefit is obtained as a whole. Funds may also be borrowed from the primary account, thus requiring payment of interest to the primary account. At this time, it is necessary to distribute the benefits to each of the internal institutions individually by internal pricing, and proportionally distribute and pay interest based on the funds they contribute or borrow.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.

It should be noted that, the interest distribution processing method and device for a virtual account provided by the embodiment of the application can be used in the financial technical field, and also can be used in any field except the financial field, and the application field of the interest distribution processing method and device for a virtual account provided by the embodiment of the application is not limited.

The application provides a interest distribution processing method, device and equipment for virtual accounts, and aims to solve the technical problems in the prior art. 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.

The following describes in detail the interest distribution processing method of the virtual account according to the embodiment of the present application, taking the embodiment shown in fig. 1 as an example. Fig. 1 is a flowchart of a method for interest distribution processing of a virtual account according to an embodiment of the present application. The execution body of the interest distribution processing method for the virtual account provided in this embodiment may be, for example, a server, and when the execution body is an end-side host or a terminal device, the implementation manner is similar, and details of this embodiment are not repeated here. As shown in fig. 1, the interest distribution processing method of the virtual account includes:

S101, obtaining the balance of the daily terminal account corresponding to each of the plurality of virtual sub-accounts under the entity main account.

S102, calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts.

And S103, calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts.

And S104, calculating and obtaining interest distribution limits corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest to the virtual sub-accounts based on the interest distribution limits.

Optionally, in the embodiment of the present application, the interest bearing proportion is calculated on a date of interest of the entity main account.

In an alternative embodiment, the interest distribution processing method for a virtual account provided in the embodiment of the present application may be, but is not limited to, used in an internal pricing scenario for conducting funds exchange with a large number of internal institutions for any type of group users (i.e., unit users). It should be explained that the internal pricing is a function in which a financial institution provides a billing function for the funds borrowing of each member unit within the group client.

Optionally, in the embodiment of the present application, the group headquarter is correspondingly established with an entity main account, and each internal mechanism of the group headquarter is correspondingly established with a dedicated virtual sub-account. It should be noted that, the entity main account and the virtual sub-account are both ordinary accounts, and the ordinary accounts refer to accounts which can be established as required when opening, and represent different departments and institutions under the financial institution respectively.

In an optional example of the embodiment of the present application, the interest distribution processing method for a virtual account provided in the embodiment of the present application may be used in an account structure system (VA system) including a physical main account and a virtual sub-account. The account structure system is an account structure system in which a customer opens an entity account as a main account in a bank, and a plurality of auxiliary information accounts are arranged under the main account and are used for accounting funds of different member units or different purposes. The auxiliary information account may be referred to as VA account, i.e. virtual sub-account in the parent-child virtual account structure.

An optional embodiment, after determining a plurality of virtual sub-accounts under the entity main account, if the virtual sub-account is an account to be processed, skipping the virtual sub-account and not processing, and directly setting the calculated product number of interest on the same day to 0; if the virtual sub-account is the middle-layer virtual account, the virtual sub-account is skipped and not processed, the calculated product number of interest on the same day is directly set to 0, otherwise, the next processing is continued, namely the balance of the final daily account corresponding to each of the virtual sub-accounts is determined.

It should be noted that, the account to be processed is a special account in the account structure system, and the main function is to store the amount of the gold virtual resource (not the virtual internal transfer amount) failed in the virtual account transaction, if the external transfer transaction of the account structure system is unsuccessful, the funds will not be deleted and remain in the account to be processed until the reconciliation is successful.

It should be noted that, the above middle tier account is used to count balance information of multiple virtual sub-accounts (non-public accounts and accounts to be processed) in the same account group under the entity main account. Wherein the middle tier account has no balance and no transaction is conducted.

As an alternative embodiment, the calculated product number of the current day interest corresponding to each virtual sub-account is calculated according to the balance of the final day account corresponding to each virtual sub-account. For example, the daily interest calculation amount is divided into two types, i.e., a borrower amount and a lender amount.

It should be noted that, for the transaction to be processed, when the transaction is adjusted to the corresponding virtual sub-account every other day, the internal pricing is performed based on the actually adjusted date, for example, t+1 adjusts the transaction with the core transaction date of T days to the corresponding virtual sub-account, and the balance change caused by the transaction is directly counted as the product number of t+1 days, so that the back-pushing daily process is not performed.

Optionally, the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts may be understood as a virtual account interest day contribution degree, and the interest day contribution degree of the virtual sub-accounts is calculated on the bank interest day of the main account, that is, the day that the core system performs interest on the main account. And judging whether the entity main account checks out on the same day by checking whether the main account checks out on the same day by checking out core check-out or check-out transaction. If the entity main account has the settlement check-in or settlement check-out transaction, determining that the entity main account generates settlement, and triggering calculation of the settlement day contribution degree of the virtual sub-accounts, namely, calculation of the positive interest distribution proportion and the negative interest bearing proportion of each virtual sub-account.

Therefore, in the embodiment of the present application, according to the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts, the interest distribution line corresponding to each of the plurality of virtual sub-accounts is calculated, so that the entity main account distributes interest to the virtual sub-accounts based on the interest distribution line.

In an optional embodiment, the net interest share of the entity main account may be queried first, and whether the net interest share is greater than zero may be determined, so as to determine that the interest share ratio corresponding to each of the plurality of virtual sub-accounts is specifically a positive interest share ratio or a negative interest share ratio, and further calculate the interest share ratio corresponding to each of the plurality of virtual sub-accounts.

According to the interest distribution processing method of the virtual account, the daily terminal account balance corresponding to each of the virtual sub-accounts under the entity main account is obtained; calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts; calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts; and calculating to obtain interest distribution limits corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution limits. The method is used for solving the problem that the interest distribution of the virtual account cannot be processed efficiently and accurately in the prior art, so as to achieve the technical effect of accurately determining the interest distribution limit corresponding to each virtual sub-account.

In an example, fig. 2 is a flow chart of an optional interest distribution processing method for a virtual account according to an embodiment of the present application, as shown in fig. 2, the calculating a calculated product number of interest on the day corresponding to each of a plurality of virtual sub-accounts according to balance on the day corresponding to each of the plurality of virtual sub-accounts includes:

S201, if the balance of the daily final account corresponding to the virtual sub-account is a first balance, determining that the calculated daily interest amount corresponding to the virtual sub-account is a credit amount, wherein the first balance is a positive number larger than zero;

s202, if the balance of the daily final account corresponding to the virtual sub-account is a second balance, determining that the calculated daily interest amount corresponding to the virtual sub-account is a borrowed amount, wherein the second balance is a negative number smaller than zero;

and S203, if the balance of the daily final account corresponding to the virtual sub-account is zero, determining that the calculated product number of the daily interest corresponding to the virtual sub-account is zero.

An optional processing method is that after inquiring to obtain the balance of each virtual sub-account corresponding to the day-end account, if the balance of the day-end account corresponding to the virtual sub-account is a positive number greater than zero, determining the calculated daily interest amount corresponding to the virtual sub-account as a credit amount, and subsequently using the balance of the day-end account to adjust and increase the credit amount.

Another alternative processing method is to determine that the calculated daily interest amount corresponding to the virtual sub-account is a borrowing amount if the balance of the daily final account corresponding to the virtual sub-account is a negative number smaller than zero, and then use the absolute value of the balance of the daily final account to adjust and increase the borrowing amount.

In addition, an optional processing method is that if the balance of the day-to-day account corresponding to the virtual sub-account is 0, the calculated product number of interest on the day corresponding to the virtual sub-account is determined to be zero, and the product number updating process is not needed in the follow-up process.

In an example, after calculating the calculated product number of interest in the day corresponding to each of the plurality of virtual sub-accounts according to the balance of the day corresponding to each of the plurality of virtual sub-accounts, the method further includes:

and updating the daily interest calculation product number corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts, and obtaining the updated interest calculation product number.

In an example, fig. 3 is a flow chart of an alternative interest distribution processing method for a virtual account according to an embodiment of the present application, as shown in fig. 3, updating the calculated daily interest amounts corresponding to each of a plurality of virtual sub-accounts according to the daily final account balances corresponding to each of the plurality of virtual sub-accounts, to obtain updated calculated interest amounts, including:

s301, if the balance of the daily final account corresponding to the virtual sub-account is a first balance, the credit accumulation is increased by adopting the first balance.

S302, if the balance of the daily final account corresponding to the virtual sub-account is a second balance, the borrowing product number is increased by adopting the absolute value of the second balance.

S303, if the balance of the daily final account corresponding to the virtual sub-account is zero, the accumulation update processing is not needed.

In the embodiment of the application, after inquiring to obtain the balance of each corresponding daily terminal account of each virtual sub-account, if the balance of the daily terminal account corresponding to the virtual sub-account is a positive number larger than zero, namely a first balance, the credit accumulation is increased by adopting the first balance. And if the balance of the daily final account corresponding to the virtual sub-account is a negative number smaller than zero, namely a second balance, adjusting and increasing the borrowing product number by adopting the absolute value of the second balance. And if the balance of the daily terminal account corresponding to the virtual sub-account is 0, determining that the calculated product number of interest in the current day corresponding to the virtual sub-account is zero, and not needing to update the product number.

According to the embodiment, the daily interest bearing proportion corresponding to each of the plurality of virtual sub-accounts can be calculated more accurately by updating the daily interest calculation product number corresponding to each of the plurality of virtual sub-accounts according to the daily end account balance corresponding to each of the plurality of virtual sub-accounts.

In an example, fig. 4 is a flow chart of an optional interest distribution processing method for a virtual account according to an embodiment of the present application, where as shown in fig. 4, the method further includes:

s401, determining the daily interest balance of a public account on the interest date of the entity main account, wherein the public account is used for recording the interest distribution amount which is not distributed to a plurality of virtual sub-accounts by the entity main account.

S402, if the current interest balance of the public account is a third balance and the current interest balance of the public account is a credit interest balance, adjusting and reducing the credit accumulation number of the public account and the credit interest balance of the public account, wherein the third balance is a positive number greater than zero.

S403, if the current interest balance of the public account is a fourth balance, the current interest balance of the public account does not need to be adjusted, wherein the fourth balance is a negative number smaller than zero.

It should be noted that the above public account is a special account in a virtual account structure system (VA system) of a parent-child, and is used for storing unallocated resource units of a virtual resource pool, for example, when a VA account group is opened, all balances in a main account of an entity are put into the public account and then issued to each virtual sub-account according to a certain proportion, and further, storage of interest can be realized.

Furthermore, as an alternative embodiment, after the core system distributes interest to the main account on the interest date of the entity main account, the balance of the corresponding public account may be increased or decreased, and the public account may generate interest problems. If the current interest balance of the public account is a third balance, namely a positive number larger than zero, deducting the core interest from the public account, wherein the current balance of the public account is a credit, correspondingly reducing the credit accumulation of the public account, and reducing the credit interest balance of the public account; if the current day balance of the public account is in the borrower, the price is not participated, the current day interest balance of the public account is not required to be adjusted,

in another embodiment, if the current interest balance of the public account is a fourth balance, that is, a negative number less than zero, then there is no need to reduce the current interest balance of the public account.

In one example, the method further includes:

s501, inquiring whether the entity main account has a current day interest transaction or not to determine the interest day of the entity main account, wherein the current day interest transaction comprises at least one of the following steps: a checkout transaction, a checkout deduction transaction;

s502, triggering calculation of the product number according to the interest of the corresponding day of the virtual sub-accounts on the interest day of the entity main account, and calculating to obtain the interest bearing proportion corresponding to the virtual sub-accounts.

In the embodiment of the application, whether the current day of settlement transaction exists in the entity main account or not is inquired, for example, settlement entry transaction and settlement deduction transaction, if the settlement entry transaction or settlement deduction transaction exists, the current day is determined to be the settlement day of the entity main account, and further, the settlement day of the entity main account is triggered and executed to calculate the calculated product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, so that the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts is calculated.

By the embodiment, the interest bearing proportion corresponding to each of the virtual sub-accounts is triggered and calculated on the interest bearing day of the entity main account instead of each day, so that the waste of calculation resources can be avoided, and the timeliness of internal pricing is improved.

In an example, fig. 5 is a flow chart of an interest distribution processing method for an optional virtual account according to an embodiment of the present application, as shown in fig. 5, a product number is calculated according to current day interest corresponding to each of a plurality of virtual sub-accounts, and a interest bearing proportion corresponding to each of the plurality of virtual sub-accounts is calculated, where the method includes:

S601, inquiring the daily interest calculation product number of all virtual sub-accounts under the entity main account according to the account number of the entity main account to obtain the sum of the credit product numbers and the sum of the debit product numbers of all the virtual sub-accounts;

s602, calculating the total credit amount of all the virtual sub-accounts based on the sum of the credit amounts, and calculating the total debit amount of all the virtual sub-accounts based on the sum of the debit amounts;

s603, calculating the positive interest bearing proportion of each virtual sub-account according to the credit sum and the credit sum of each virtual sub-account, and calculating the negative interest bearing proportion of each virtual sub-account according to the borrow sum and the borrow sum of each virtual sub-account.

According to the embodiment of the application, according to the account number of the entity main account, all the virtual sub-accounts except the account to be processed and the middle virtual account under the entity main account are inquired to obtain the corresponding daily interest calculation product number of all the virtual sub-accounts, so that the sum of the credit product numbers and the sum of the borrow product numbers of all the virtual sub-accounts can be obtained through calculation.

Optionally, obtaining the total credit accumulation by calculating the sum of the credit accumulation of all virtual sub-accounts except the account to be processed and the middle virtual account; and calculating the sum of the borrowing amounts of all virtual sub-accounts except the account to be processed and the middle layer virtual account to obtain the sum of the borrowing amounts.

In one example, a positive interest allocation proportion for each virtual sub-account for the entity primary account is calculated: VAi (i VA account, positive or negative, transferred to the entity main account according to whether it is a virtual sub-account or transferred from the entity main account with different funds = VAi credit/credit total; if the total sum of the credit products is zero, the distribution ratio is 0; in addition, the allocation ratio of the account to be processed and the middle layer virtual account is 0.

In another example, a negative interest bearing proportion is calculated for each virtual sub-account for the entity main account: ratio of bearing VAi = VAi debit/debit total; if the sum of the borrowing area numbers is zero, the distribution ratio is 0; in addition, the allocation ratio of the account to be processed and the middle layer virtual account is 0.

In an example, fig. 6 is a flow chart of an interest distribution processing method of an optional virtual account according to an embodiment of the present application, as shown in fig. 6, the calculating, according to interest bearing proportions corresponding to each of a plurality of virtual sub-accounts, interest distribution amounts corresponding to each of the plurality of virtual sub-accounts includes:

s701, calculating the net interest amount of the entity main account according to the deposit interest and overdraft interest of the entity main account.

And S702, if the net interest amount is greater than zero, calculating the corresponding virtual sub-account interest distribution amount based on the net interest amount and the positive interest bearing proportion of the virtual sub-account.

S703, if the net interest amount is smaller than zero, calculating the corresponding virtual sub-account interest distribution amount based on the net interest amount and the negative interest bearing ratio of the virtual sub-account.

In the embodiment of the present application, the calculation of the net interest amount of the virtual account is to calculate the net interest amount of the entity main account according to the transaction information of the main account, for example, the deposit interest and overdraft interest of the entity main account, where the net interest amount=deposit interest-overdraft interest.

In one example, if the net interest amount is greater than 0, the receivable interest for the VAi account is: the allocation proportion of the net interest amount of the main account VAi; in another example, if the net interest amount is less than 0, the interest due for the VAi account is: the primary account net interest rate is the bearing proportion of VAi.

In addition, there is an alternative embodiment by querying the virtual sub-account number VAj specified by the entity's primary account for the home interest-bearing transaction; the interest automatic allocation transaction request record is generated and stored according to the VA sub-account VAj to which the queried interest transaction belongs.

If the VAi account is an interest bearing interest, the interest automatically assigning transaction request record is: transfer-out VA sub-account = VAj, transfer-in VA sub-account = VAi, transaction amount = amount of interest due to VAi, use = distribution of interest; if the VAi account is due, the interest auto-allocate transaction request records as: outgoing VA sub-account = VAi, incoming VA sub-account = VAj, transaction amount = payable interest amount of VAi, usage = interest distribution; if the due interest of the VAi account is 0, then no interest auto-allocate transaction request record need be generated. If the current VAi is the VA sub-account to which the interest bearing transaction belongs, the interest automatic allocation transaction request record does not need to be generated.

The method provided by the application is used for solving the problem that the interest distribution of the virtual account cannot be processed efficiently and accurately in the prior art, so as to realize the technical effect of accurately determining the interest distribution limit corresponding to each virtual sub-account.

It should be noted that, for the embodiments applied to other scenes, the implementation manner is similar, and the embodiments are not described herein.

Fig. 7 is a block diagram of a device for processing interest distribution of a virtual account according to an embodiment of the present application, as shown in fig. 7, where the device includes:

The obtaining module 701 is configured to obtain a balance of a day-end account corresponding to each of the plurality of virtual sub-accounts under the entity main account.

The product number calculation module 702 is configured to calculate the product number of interest on the day corresponding to each of the plurality of virtual sub-accounts according to the balance of the day corresponding to each of the plurality of virtual sub-accounts.

The proportion calculating module 703 is configured to calculate a product number according to the current interest of each of the plurality of virtual sub-accounts, and calculate a interest bearing proportion corresponding to each of the plurality of virtual sub-accounts.

And the interest calculating module 704 is configured to calculate interest allocation amounts corresponding to the virtual sub-accounts according to interest bearing proportions corresponding to the virtual sub-accounts.

The interest distribution processing device of the virtual account provided by the application obtains the daily terminal account balance corresponding to each of a plurality of virtual sub-accounts under the entity main account; calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts; calculating the product number according to the current day interest corresponding to each of the plurality of virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the plurality of virtual sub-accounts; and calculating to obtain interest distribution limits corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution limits. The method is used for solving the problem that the interest distribution of the virtual account cannot be processed efficiently and accurately in the prior art, so as to achieve the technical effect of accurately determining the interest distribution limit corresponding to each virtual sub-account.

According to one or more embodiments of the present application, the product calculation module includes:

a first determining unit, configured to determine that a daily interest calculation product number corresponding to the virtual sub-account is a credit product number if a daily end account balance corresponding to the virtual sub-account is a first balance, where the first balance is a positive number greater than zero;

a second determining unit, configured to determine that the calculated daily interest amount corresponding to the virtual sub-account is a debit amount if the balance of the daily final account corresponding to the virtual sub-account is a second balance, where the second balance is a negative number less than zero;

and a third determining unit, configured to determine that the current day interest calculation product number corresponding to the virtual sub-account is zero if the balance of the final day account corresponding to the virtual sub-account is zero.

According to one or more embodiments of the present application, the above-described apparatus further includes:

the determining module is used for determining the daily interest balance of the public account on the interest date of the entity main account, wherein the public account is used for recording the interest distribution amount which is not distributed to the plurality of virtual sub-accounts by the entity main account;

the first adjustment module is configured to adjust and subtract the credit accumulation number of the public account and the credit interest balance of the public account if the current interest balance of the public account is a third balance and the current interest balance of the public account is a credit interest balance, where the third balance is a positive number greater than zero;

And the second adjustment module is used for not adjusting the daily interest balance of the public account if the daily interest balance of the public account is a fourth balance, wherein the fourth balance is a negative number smaller than zero.

According to one or more embodiments of the present application, the above-described apparatus further includes:

the inquiring module is used for inquiring whether the entity main account has the current day interest transaction or not so as to determine the interest date of the entity main account, wherein the current day interest transaction comprises at least one of the following steps: a checkout transaction, a checkout deduction transaction;

and the trigger execution module is used for triggering and executing the proportion calculation module on the interest date of the entity main account.

According to one or more embodiments of the present application, the above-mentioned proportion calculating module includes:

the inquiring unit is used for inquiring the daily interest calculation product number of all the virtual sub-accounts under the entity main account according to the account number of the entity main account to obtain the sum of the credit product numbers and the sum of the debit product numbers of all the virtual sub-accounts;

the first calculation unit is used for calculating the total credit accumulation amount of all the virtual sub-accounts based on the sum of the credit accumulation amounts and calculating the total debit accumulation amount of all the virtual sub-accounts based on the sum of the debit accumulation amounts;

And the second calculation unit is used for calculating the positive interest bearing proportion of each virtual sub-account according to the credit accumulation number and the credit accumulation total amount of each virtual sub-account, and calculating the negative interest bearing proportion of each virtual sub-account according to the borrow accumulation number and the borrow accumulation total amount of each virtual sub-account.

According to one or more embodiments of the present application, the interest calculation module includes:

a third calculation unit, configured to calculate a net interest amount of the entity main account according to deposit interest and overdraft interest of the entity main account;

a fourth calculation unit, configured to calculate, if the net interest amount is greater than zero, a corresponding virtual sub-account interest allocation credit based on the net interest amount and a positive interest bearing proportion of the virtual sub-account;

and a fifth calculation unit configured to calculate the corresponding virtual sub-account interest allocation credit based on the net interest amount and the negative interest bearing ratio of the virtual sub-account if the net interest amount is less than zero.

According to one or more embodiments of the present application, the above-described apparatus further includes:

and the accumulation update module is used for updating the daily interest calculation accumulation corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts to obtain the updated interest calculation accumulation.

According to one or more embodiments of the present application, the product number updating module includes:

a first updating unit, configured to, if a balance of a day-to-day account corresponding to the virtual sub-account is a first balance, increment the credit accumulation by using the first balance;

a second updating unit, configured to, if the balance of the day-to-day account corresponding to the virtual sub-account is a second balance, increase the debit by using an absolute value of the second balance;

and the third updating unit is used for not carrying out the accumulation updating processing if the balance of the daily final account corresponding to the virtual sub-account is zero.

Fig. 8 is a block diagram of an electronic device, which may be a mobile phone, computer, digital broadcast terminal, messaging device, game console, tablet device, medical device, exercise device, personal digital assistant, or the like, in accordance with an exemplary embodiment.

Electronic device 800 may include one or more of the following components: a processing component 802, a memory 804, a power component 806, a multimedia component 808, an audio component 810, an input/output (I/O) interface 812, a sensor component 814, and a communication component 816.

The processing component 802 generally controls overall operation of the electronic device 800, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 802 may include one or more processors 820 to execute instructions to perform all or part of the steps of the methods described above. Further, the processing component 802 can include one or more modules that facilitate interactions between the processing component 802 and other components. For example, the processing component 802 can include a multimedia module to facilitate interaction between the multimedia component 808 and the processing component 802.

The memory 804 is configured to store various types of data to support operations at the electronic device 800. Examples of such data include instructions for any application or method operating on the electronic device 800, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 804 may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.

The power supply component 806 provides power to the various components of the electronic device 800. The power components 806 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the electronic device 800.

The multimedia component 808 includes a screen that provides an output interface between the electronic device 800 and the user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from a user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may sense not only a boundary of a touch or a sliding action but also a duration and a pressure related to the touch or the sliding operation. In some embodiments, the multimedia component 808 includes a front camera and/or a rear camera. When the electronic device 800 is in an operational mode, such as a shooting mode or a video mode, the front camera and/or the rear camera may receive external multimedia data. Each front camera and rear camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

The audio component 810 is configured to output and/or input audio signals. For example, the audio component 810 includes a Microphone (MIC) configured to receive external audio signals when the electronic device 800 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may be further stored in the memory 804 or transmitted via the communication component 816. In some embodiments, audio component 810 further includes a speaker for outputting audio signals.

The I/O interface 812 provides an interface between the processing component 802 and peripheral interface modules, which may be a keyboard, click wheel, buttons, etc. These buttons may include, but are not limited to: homepage button, volume button, start button, and lock button.

The sensor assembly 814 includes one or more sensors for providing status assessment of various aspects of the electronic device 800. For example, the sensor assembly 814 may detect an on/off state of the electronic device 800, a relative positioning of the components, such as a display and keypad of the electronic device 800, the sensor assembly 814 may also detect a change in position of the electronic device 800 or a component of the electronic device 800, the presence or absence of a user's contact with the electronic device 800, an orientation or acceleration/deceleration of the electronic device 800, and a change in temperature of the electronic device 800. The sensor assembly 814 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. The sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 814 may also include an acceleration sensor, a gyroscopic sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 816 is configured to facilitate communication between the electronic device 800 and other devices, either wired or wireless. The electronic device 800 may access a wireless network based on a communication standard, such as WiFi,2G, or 3G, or a combination thereof. In one exemplary embodiment, the communication component 816 receives broadcast signals or broadcast related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, the communication component 816 described above further includes a Near Field Communication (NFC) module to facilitate short range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, ultra Wideband (UWB) technology, bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the electronic device 800 may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic elements for executing the methods described above.

In an exemplary embodiment, a non-transitory computer readable storage medium is also provided, such as memory 804 including instructions executable by processor 820 of electronic device 800 to perform the above-described method. For example, the non-transitory computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

The present application provides a non-transitory computer readable storage medium that, when executed by a processor of an electronic device, enables the electronic device to perform the method in the electronic device. The instructions in the storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method in the electronic device described above.

The present application provides a computer program product comprising a computer program which when executed by a processor implements any of the methods described above.

Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (10)

1. The interest distribution processing method for the virtual account is characterized by comprising the following steps of:

acquiring the balance of a daily terminal account corresponding to each of a plurality of virtual sub-accounts under the entity main account;

calculating the calculated product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts;

calculating the product number according to the current day interest corresponding to each of the virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the virtual sub-accounts;

and calculating to obtain interest distribution lines corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest to the virtual sub-accounts based on the interest distribution lines.

2. The method of claim 1, wherein calculating a calculated product of interest on the day corresponding to each of the plurality of virtual sub-accounts based on the balance of the day corresponding to each of the plurality of virtual sub-accounts, comprises:

if the balance of the daily final account corresponding to the virtual sub-account is a first balance, determining that the daily interest calculation product number corresponding to the virtual sub-account is a credit product number, wherein the first balance is a positive number larger than zero;

If the balance of the daily final account corresponding to the virtual sub-account is a second balance, determining that the calculated daily interest volume corresponding to the virtual sub-account is a debit volume, wherein the second balance is a negative number smaller than zero;

and if the balance of the daily final account corresponding to the virtual sub-account is zero, determining that the calculated product number of the daily interest corresponding to the virtual sub-account is zero.

3. The method of claim 2, wherein after calculating a calculated product number from the daily final account balances corresponding to each of the plurality of virtual sub-accounts, the method further comprises:

and updating the daily interest calculation product number corresponding to each of the virtual sub-accounts according to the daily final account balance corresponding to each of the virtual sub-accounts, and obtaining the updated interest calculation product number.

4. The method of claim 3, wherein updating the calculated daily interest amount for each of the plurality of virtual sub-accounts based on the daily final account balance for each of the plurality of virtual sub-accounts, the updated calculated daily interest amount comprising:

If the balance of the daily final account corresponding to the virtual sub-account is a first balance, the credit accumulation is increased by adopting the first balance;

if the balance of the daily terminal account corresponding to the virtual sub-account is a second balance, adjusting and increasing the debit by adopting the absolute value of the second balance;

and if the balance of the daily terminal account corresponding to the virtual sub-account is zero, the accumulation update processing is not needed.

5. The method according to any one of claims 1 to 4, further comprising:

determining the current interest balance of a public account on the interest date of the entity main account, wherein the public account is used for recording the interest distribution amount which is not distributed to a plurality of virtual sub-accounts by the entity main account;

if the current interest balance of the public account is a third balance and the current interest balance of the public account is a credit interest balance, adjusting and subtracting the credit accumulation number of the public account and subtracting the credit interest balance of the public account, wherein the third balance is a positive number larger than zero;

and if the current interest balance of the public account is a fourth balance, not adjusting the current interest balance of the public account, wherein the fourth balance is a negative number smaller than zero.

6. The method according to any one of claims 1 to 4, further comprising:

querying whether the entity main account has a current day interest-bearing transaction or not to determine the interest-bearing day of the entity main account, wherein the current day interest-bearing transaction comprises at least one of the following: a checkout transaction, a checkout deduction transaction;

and triggering calculation of the product number according to the interest of the corresponding current day of each of the virtual sub-accounts on the interest date of the entity main account, and calculating to obtain the interest bearing proportion corresponding to each of the virtual sub-accounts.

7. The method of any one of claims 1 to 4, wherein calculating a product number according to the daily interest corresponding to each of the plurality of virtual sub-accounts, and calculating the interest bearing ratio corresponding to each of the plurality of virtual sub-accounts, includes:

inquiring the daily interest calculation product number of all virtual sub-accounts under the entity main account according to the account number of the entity main account to obtain the sum of the credit product numbers and the sum of the debit product numbers of all the virtual sub-accounts;

calculating to obtain the total credit amount of all the virtual sub-accounts based on the sum of the credit amounts, and calculating to obtain the total debit amount of all the virtual sub-accounts based on the sum of the debit amounts;

And calculating the positive interest bearing proportion of each virtual sub-account according to the credit accumulation number and the credit accumulation total amount of each virtual sub-account, and calculating the negative interest bearing proportion of each virtual sub-account according to the borrowing accumulation number and the borrowing accumulation total amount of each virtual sub-account.

8. An interest distribution processing apparatus for a virtual account, comprising:

the acquisition module is used for acquiring the balance of the daily terminal account corresponding to each of the plurality of virtual sub-accounts under the entity main account;

the product number calculation module is used for calculating the product number of the current day interest corresponding to each of the virtual sub-accounts according to the balance of the final day account corresponding to each of the virtual sub-accounts;

the proportion calculation module is used for calculating the product number according to the current day interest corresponding to each of the virtual sub-accounts, and calculating to obtain the interest bearing proportion corresponding to each of the virtual sub-accounts;

and the interest calculation module is used for calculating and obtaining interest distribution lines corresponding to the virtual sub-accounts according to the interest bearing proportion corresponding to the virtual sub-accounts, so that the entity main account distributes interest for the virtual sub-accounts based on the interest distribution lines.

9. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 7.

10. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 7.