CN118172151A - Rapid interest metering method and device based on composite interest rate - Google Patents
Rapid interest metering method and device based on composite interest rate Download PDFInfo
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Abstract
The application relates to the technical field of computers, and provides a rapid interest rate-based interest calculating method and device, wherein the method comprises the following steps: obtaining borrowing data from a borrowing resource pool, wherein the distance between the last information expiration date and the current system day reaches a preset threshold value; calculating a first increment interest between the last interest closing date of the borrowing and the current system date, and storing the first increment interest of the borrowing into an interest cross section library; receiving a repayment request of a user, acquiring all first increment interest of a target borrowing from an interest section library, calculating a second increment interest of the target borrowing between a last interest expiration date and a current system date, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an interest result, and sending the interest result to a user side. The application can reduce the time-consuming pressure of the system on the composite interest rate and ensure the real-time performance of the interest calculation.
Description
Technical Field
The application relates to the technical field of computers, in particular to a rapid interest rate-based interest metering method and device.
Background
Currently, large financial institutions gradually use a post-consumer RFR (Risk-Free Rate) composite interest Rate to replace the traditional prospective LIBOR interest Rate.
LIBOR interest rate is a prospective interest rate, with the interest rate value known at the start day. Specifically, the prospective interest calculation mode is as follows: balance multiplied by interest rate and number of days to rest.
The RFR composite interest rate is a post-harvest interest rate, and the RFR diaphragmatic interest rate needs to be continuously accumulated to obtain the interest rate at the end of the interest. Specifically, the daily accumulated composite interest rate is calculated according to the previous RFR composite interest rate, the daily interest can be obtained by multiplying the balance by the daily accumulated composite interest rate, and finally the interest in the interest interval is accumulated. Thus, for composite interest rates, the larger the interest interval, the longer the system takes to calculate the interest rate, thereby putting significant strain on system performance.
With the popularization of the composite interest rate, when the system gathers the borrowing data with a large interest interval, the challenges to the time consumption of the interest counting are very large, and based on the challenges, a high-performance calculation method is needed to solve the problem of long time consumption of the interest counting of the composite interest rate.
Disclosure of Invention
The method and the device are used for solving the problems of long system consumption time and poor real-time performance of the composite interest rate borrowing and interest calculating in the prior art.
In order to solve the technical problems, an aspect of the present application provides a rapid interest rate-based interest rate calculation method, including:
obtaining borrowing data from a borrowing resource pool, wherein the distance between the last information expiration date and the current system day reaches a preset threshold value;
Calculating a first increment interest between the last interest closing date of the borrowing and the current system date, storing the first increment interest between the last interest closing date of the borrowing and the current system date into an interest section library, and updating the current system date into the interest closing date;
Receiving a repayment request of a user, acquiring all first increment interest of a target borrowing from an interest section library, calculating a second increment interest of the target borrowing between a last interest expiration date and a current system date, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an interest result, and sending the interest result to a user side.
In a further embodiment of the present application, the method further includes:
Adding and processing the first increment interest of the same borrowing in the interest cross section library to obtain the inventory unpaid interest of the borrowing;
obtaining all first increment interest of the target borrowing from the interest cross section library, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain a calculated result, wherein the calculated result is further as follows: acquiring the deposit unpaid interest of the target borrowing from the interest cross section library; and adding the second increment interest of the target borrower to the inventory unpaid interest of the target borrower to obtain an interest counting result.
In a further embodiment of the present application, after each calculation of the first incremental interest between the last interest closing date and the current system date of the borrower, the method further comprises:
Generating a system identifier of the borrowed first incremental interest according to the calculated time of the borrowed first incremental interest;
The system identification is associated with the first incremental interest and then stored in the interest cross-section library.
In a further embodiment of the present application, the system identifier for generating the borrowed first incremental interest according to the calculated time of the borrowed first incremental interest is further:
Acquiring the region and the network point to which the borrower belongs;
Generating a serial number of the borrowed first increment interest according to the concurrent processing amount when the borrowed first increment interest is calculated;
And generating a system identifier according to the calculation time of the borrowed first increment interest, the region and the network point to which the borrowed first increment interest belongs, and the serial number and the calculation time of the borrowed first increment interest.
In a further embodiment of the present application, the to-be-refunded borrowing data with a billing day smaller than the last information expiration day is obtained from the borrowing resource pool, and the following processing is performed for each to-be-refunded borrowing data:
screening out the maximum accounting expiration date before the accounting date of the borrowed data to be refunded as a target accounting expiration date;
deleting first increment information after the target interest expiration date from the interest section library;
And calculating a second increment interest of the to-be-refunded borrowed data between the target accounting expiration date and the accounting date, and storing the second increment interest of the to-be-refunded borrowed data into an interest cross-section library.
In a further embodiment of the present application, for each borrower in the borrower resource pool, the default threshold determination process for the borrower includes:
acquiring historical advanced repayment data of a user to which the borrower belongs;
Determining the shortest time interval of early repayment according to the historical early repayment data;
And determining a preset threshold according to the minimum time interval of repayment in advance and the preset period.
The second aspect of the present application provides a rapid interest rate based rapid interest rate device, comprising:
the obtaining unit is used for obtaining borrowing data from the borrowing resource pool, wherein the distance between the last information expiration date and the current system day reaches a preset threshold value;
The sectional interest calculating unit is used for calculating a first increment interest between the last interest ending date of the borrowing and the current system date, storing the first increment interest between the last interest ending date of the borrowing and the current system date into the interest section library, and updating the current system date into the interest ending date;
The real-time information counting unit is used for receiving a repayment request of a user, acquiring all first increment interest of the target borrowing from the interest section library, calculating second increment interest between the last information ending date and the current system date of the target borrowing, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an information counting result, and sending the information counting result to the user side.
A third aspect of the application provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method according to any of the preceding embodiments when executing the computer program.
A fourth aspect of the application provides a computer storage medium having stored thereon a computer program which, when executed by a processor of a computer device, implements a method as described in any of the preceding embodiments.
A fifth aspect of the application provides a computer program product comprising a computer program which, when executed by a processor of a computer device, implements a method according to any of the preceding embodiments.
According to the rapid interest rate-based method and device provided by the application, borrowing data that the current system day reaches a preset threshold value from the last interest-taking deadline day is obtained from the borrowing data resource pool; the first increment interest between the last calculated ending date of the borrowing and the current system day is calculated, the first increment interest between the last calculated ending date of the borrowing and the current system day is stored in an interest section library, the whole information period can be divided into a plurality of intervals according to a preset threshold value, time consuming controllability is achieved, when a user sends a repayment request, only the second increment interest between the last calculated ending date and the current system day is needed to be calculated, the calculated first increment interest is added to the second increment interest of the same borrowing, and an information result can be calculated quickly, so that information calculating efficiency is improved, time consuming pressure of the system on composite interest rate information is reduced, real-time performance of information calculating is guaranteed, and user experience is improved.
The foregoing and other objects, features and advantages of the application will be apparent from the following more particular description of preferred embodiments, as illustrated in the accompanying drawings.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 shows a schematic diagram of a composite interest rate based rapid interest rate system in accordance with an embodiment of the present application;
FIG. 2 shows a first flow chart of a composite interest rate based rapid interest rate method in accordance with an embodiment of the present application;
FIG. 3 shows a second flow chart of a composite interest rate based rapid interest rate method according to an embodiment of the application;
FIG. 4 shows a third flowchart of a composite interest rate based rapid interest rate method according to an embodiment of the present application;
FIG. 5 illustrates a system identification generation process flow diagram for a first incremental interest in accordance with an embodiment of the present application;
FIG. 6 shows a fourth flow chart of a fast interest rate based method of an embodiment of the present application;
FIG. 7 shows a flow chart of a preset threshold determination process according to an embodiment of the present application;
FIG. 8 shows a block diagram of a composite interest rate based rapid interest-recording device in accordance with an embodiment of the present application;
FIG. 9 shows a block diagram of a computer device according to an embodiment of the application.
Description of the drawings:
101. a client;
102. a server;
801. an acquisition unit;
802. a segmented information unit;
803. a real-time information unit;
902. A computer device;
904. a processor;
906. a memory;
908. A driving mechanism;
910. An input/output module;
912. An input device;
914. an output device;
916. A presentation device;
918. A graphical user interface;
920. A network interface;
922. a communication link;
924. a communication bus.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or device.
The present specification provides method operational steps as described in the examples or flowcharts, but may include more or fewer operational steps based on conventional or non-inventive labor. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When a system or apparatus product in practice is executed, it may be executed sequentially or in parallel according to the method shown in the embodiments or the drawings.
It should be noted that, the user data (including, but not limited to, user borrowing, such as loan amount, initial composite interest rate, borrowing and repayment mode, etc.) related to the present application are all information and data authorized by the user or fully authorized by each party. And the related data are collected, stored, used, processed, transmitted, provided, disclosed, applied and the like, all obeys the related laws and regulations and standards of related countries and regions, necessary security measures are taken, the public order colloquial is not violated, and corresponding operation entrance is provided for users to select authorization or rejection.
The present inventors have found that for a composite interest rate, when the interest interval is larger, the time consumed by the system for calculating the interest rate is longer, so that a great pressure is brought to the system performance, and therefore, in an embodiment of the present application, a fast interest calculating system based on the composite interest rate is provided, as shown in fig. 1, including: client 101 and server 102.
The client 101 is configured for an administrator to operate, specifically, the administrator can configure a borrowing type requiring quick accounting and configure a preset threshold according to the situation of using repayment products (such as the number of repayment products of various types including a follow-up product, an equal-cost product and an equal-cost principal product) in the borrowing resource pool. In some embodiments, the type of the borrowed data is a composite interest rate borrowed data associated with the present definition, the preset threshold is 90 days, and the preset threshold can be flexibly configured according to the type and region of the product corresponding to the borrowed data. In some embodiments of the present description, the client may be a desktop computer, a tablet computer, a notebook computer, a smart phone, a digital assistant, a smart wearable device, or the like. Wherein, intelligent wearable equipment can include intelligent bracelet, intelligent wrist-watch, intelligent glasses, intelligent helmet etc.. Of course, the client is not limited to the electronic device with a certain entity, and may also be software running in the electronic device.
The server 102 is configured to obtain, according to the configuration information of the client 101, borrows from the borrowing resource pool that satisfy the configuration information, for example, obtain borrows from which the last-time expiration date distance reaches a preset threshold from the current system date, and perform, for each obtained borrow, the following processing:
calculating a first increment interest between the last interest closing date of the borrowing and the current system date, and storing the first increment interest between the last interest closing date of the borrowing and the current system date into an interest cross-section library; updating the current system day to be the ending day of the interest;
Receiving a repayment request of a user, acquiring all first increment interest of a target borrowing from an interest section library, calculating a second increment interest of the target borrowing between a last interest expiration date and a current system date, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an interest result, and sending the interest result to a user side.
When this step is implemented, calculating the first incremental interest between the expiration date of the last interest by borrowing and the current system date includes: firstly, calculating the daily accumulated composite interest rate of the borrowing in a first time interval according to the accumulated composite interest rate of the borrowing in the last time and the first time interval between the expiration date of the last time and the system day; then, a first incremental interest between the expiration date of the borrower's last interest in the borrower and the current system day is calculated based on the cumulative composite interest rate of the borrower per day over the first time period.
In particular, the user may issue a payment request on a predetermined payment day, or may issue a payment request before the predetermined payment day. Calculating a second incremental interest between the last interest closing day and the current system day for the target borrower includes: firstly, calculating the daily accumulated composite interest rate of the target borrowing in a second time interval according to the accumulated composite interest rate of the target borrowing in the last time and the second time interval between the last information ending date and the appointed repayment date; then, a second incremental interest of the target borrower over a second time interval is calculated based on the daily cumulative composite interest rate of the target borrower over the second time interval.
According to the embodiment, the flexibility of the rapid interest rate based on the composite interest rate can be improved by configuring the borrowing type of the rapid interest rate and configuring the preset threshold value by the user, so that the follow-up adaptive adjustment is convenient according to the actual use condition. According to the method, the first increment interest in the first preset interval is calculated respectively by dividing the accounting period of borrowing data meeting configuration information into a plurality of first time intervals, when the repayment is carried out on the appointed repayment day, only the daily accumulated composite interest rate between the last accounting expiration date and the accounting date is calculated, the second increment interest is calculated according to the daily accumulated composite interest rate between the last accounting expiration date and the accounting date, and the calculated first increment interest is added to the second increment interest of the same borrowing data, so that the accounting result can be calculated quickly, the accounting efficiency is improved, the time-consuming pressure of the system on the composite interest rate is reduced, the real-time performance of the accounting calculation is guaranteed, and the user experience is improved.
In an embodiment of the present application, as shown in fig. 2, a fast interest rate-based method is further provided, including:
Step 201, obtaining borrowing data from the borrowing resource pool, wherein the distance between the last time of the ending date of the borrowing and the current system day reaches a preset threshold value.
Step 202, calculating a first increment interest between the last interest closing date of the borrowing and the current system date, storing the first increment interest between the last interest closing date of the borrowing and the current system date into an interest section library, and updating the current system date into the interest closing date.
Step 203, receiving a repayment request of the user, acquiring all first increment interest of the target borrowing from the interest cross-section library, calculating a second increment interest between the last interest ending date and the current system date of the target borrowing, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an interest result, and sending the interest result to the user side.
When the method is implemented, service peak time periods are avoided as much as possible, for example, 0:00 to 8: during the period 00, if the loan borrowing quantity is large, parallel processing design needs to be carried out, for example, a loan account number is processed by 20 parallel tasks of 20 modular disassembly.
In detail, the borrowing resource pool stores borrowing information based on composite interest rate of the user, including but not limited to: borrowing type (such as clearing, equity principal, etc.), loan balance, repayment period, last repayment day, etc.
In the implementation of step 201, the above method for rapidly calculating the interest can be performed by selecting the borrowed data with the composite interest rate meeting a certain condition from the borrowed data resource pool, and the method only needs to calculate the borrowed data which is not calculated for a long time, so that the purpose of rapidly calculating the interest can be achieved.
In step 202, calculating the first incremental interest between the expiration date of the last interest in the borrower and the current system day includes: calculating the daily accumulated composite interest rate of the borrower in a first time interval according to the accumulated composite interest rate of the borrower in the last time and the first time interval between the expiration date of the last time and the system day; a first increment of the borrowing during a first time interval is calculated based on a daily cumulative composite interest rate of the borrowing during the first time interval. Specifically, the daily cumulative composite interest rate can be achieved by:
(1) Calculating an annual cumulative composite interest rate (ACR):
Wherein i=1 is the starting date of the information, which means the ending date of the last information; d b is the number of days of business days in the rest period; r ik is the cumulative composite interest rate for the i-k day; k is the backtracking number of days; n i represents the number of days of nature for which r i applies, and may be referred to as the weight, and in some embodiments is typically 1, friday is 3, and the workdays before the other holidays are greater than 1; n is a market convention of days in one year, N is 360 for SOFR, and N is parameterized according to contract convention for SONIA; tn i is the cumulative day of interest; n is 365.
(2) Calculation of the unnaturated cumulative composite interest rate (UCR) from ACR:
Wherein ACR i is the annual cumulative composite interest rate on day i.
(3) Calculating a non-cumulative composite interest rate (NCR) from the UCR:
UCR i is the unnaturated cumulative composite interest rate on day i; UCR i-1BD is the unnaturated cumulative composite interest rate on day i-1BD (One Business Days), where-1 BD is the last day of work.
(4) Composite interest rate was calculated according to NCR, CAS, margin, principal:
wherein, CAS: credit Adjustment Spread, credit adjustment point difference, stock libor service conversion use; margin: point difference, i.e. the float rate; principal: principal gold.
In step 202, calculating the first incremental interest of the borrowing data in the first time interval according to the daily accumulated composite interest rate of the borrowing data in the first time interval may be implemented by using a composite interest rate daily interest calculation method, specifically, calculating the daily interest in the first time interval, and adding the daily interest in the first time interval to obtain the first incremental information of the borrowing data in the first time interval.
When step 202 is performed, the first increment information of each borrow may be stored in the order of generation, as shown in tables 1 and 3.
In step 202, the current system day is updated to be the expiration date, i.e. the current system day is assigned to be the expiration date, so as to achieve the purpose of updating the expiration date.
In step 203, the target borrowing refers to the borrowing in the user repayment request, and according to the accumulated composite interest rate of the target borrowing in the last time and the second time interval between the ending date of the last time and the contracted repayment date, the calculating the accumulated composite interest rate of the target borrowing in the second time interval daily may be implemented by referring to steps (1) - (4) above, which will not be described in detail herein.
In step 203, calculating the second incremental interest of the target borrowing in the second time interval according to the daily accumulated composite interest rate of the target borrowing in the second time interval may be implemented by using a composite interest rate daily interest calculation method, specifically, calculating the daily interest in the second time interval, and adding the daily interest in the second time interval to obtain the second incremental information of the borrowing in the second time interval.
The sum of the second incremental interest and the first incremental interest in step 203 is borrowed from the full amount interest, i.e. the sum of all interest from the beginning of the interest day to the end of the interest day.
In an embodiment of the present application, in order to further improve the efficiency of interest calculation, as shown in fig. 3, the fast interest calculation method based on the composite interest rate further includes, in addition to the steps 201 to 202, the following steps:
Step 301, adding and processing the first increment interest of the same borrower in the interest cross section library to obtain the unpaid interest of the inventory of the borrower.
This step is performed after each calculation of the first incremental interest in step 202 described above, where the inventory unpaid interest is the sum of all the first incremental interests before the first incremental interest is currently calculated. For example, in Table 3 below, assuming the current time is 2019-09-28, the inventory unpaid interest is the sum of the calculated first incremental interest for 2019-04-01 and 2019-06-30, and the current calculated first incremental interest is the calculated first incremental interest for 2019-09-28.
Step 302, receiving a repayment request of a user, obtaining the deposit unpaid interest of the target borrowing from the interest cross-section library, calculating a second increment interest between the last interest expiration date and the current system date of the target borrowing, and adding the second increment interest of the target borrowing to the deposit unpaid interest of the target borrowing to obtain an interest counting result.
When the repayment is carried out on the determined repayment day, the process of searching a plurality of first increment interest and adding the searched first increment interest is omitted, so that the acquisition efficiency of the accounting result can be improved, and the repayment efficiency is improved.
In one embodiment of the present application, as shown in fig. 4, after each calculation of the first incremental interest of the borrowing in the first time interval, the method further includes:
Step 401, generating a system identifier of the borrowed first incremental interest according to the calculated time of the borrowed first incremental interest.
Step 402, storing the system identification to the interest section library after associating with the first incremental interest. The stored results are shown in tables 1 and 3.
The embodiment can be convenient for quickly positioning and searching the first increment interest by generating the system identifier borrowed from the first increment interest.
In some embodiments of step 401, the calculation time of the first incremental interest of the borrowing may be used as the system identifier of the first incremental interest of the borrowing, when the first incremental interest of a plurality of borrowing is calculated at the same time, a sub-sequence number is newly added after the calculation time, the sub-sequence number is generated according to the concurrent calculation amount of the first incremental interest, and assuming that three borrowing times of day calculate the first incremental interest at the same time, the system identifiers of the three borrowing may be respectively: * Day 001,/day 002,/day 003.
In other embodiments of step 401, as shown in fig. 5, the method includes:
step 501, obtaining the region and the network point to which the borrowing belongs. When the step is implemented, the area to which the borrower belongs and the network point can be obtained from the borrower resource pool, and specifically, the area to which the borrower belongs refers to the area to which the network point belongs, and the network point is a financial institution for providing borrower. In this embodiment, the reference is made to the available region and dot number of the region and dot to which the reference belongs.
Step 502, generating a serial number borrowing the first incremental interest according to the concurrent processing amount when the first incremental interest is borrowed. In this step, the sequence number is generated according to the concurrent throughput, for example, assuming that three borrowings are calculated simultaneously as the first incremental interest, the sequence numbers of the three borrowings may be: *1, 2, 3.
In step 503, a system identifier is generated according to the calculation time of borrowing the first incremental interest, the region and the network point to which the borrow belongs, the serial number of borrowing the first incremental interest, and the calculation time.
According to the embodiment, the system label can cover more information, more analysis data can be provided for subsequent overdue calculation, and the data analysis efficiency and accuracy are improved.
In an implementation of the present application, there is a situation that a user pays in advance, and after the user pays in advance, the first incremental information is further recorded between the accounting date and the contracted payoff date, so that in order to make the interest recorded in the system coincide with the actual interest, a backtracking process is further performed, as shown in fig. 6, the rapid interest-based method based on the composite interest rate includes, in addition to the steps 201 and 203, the following steps:
Step 601, obtaining to-be-refunded borrowed data with accounting date smaller than last accounting deadline date from a borrowed resource pool, and executing the following processing on each to-be-refunded borrowed data:
Step 602, screening out the maximum accounting expiration date before the accounting date of the borrowed data to be refunded as a target accounting expiration date; the first incremental information after the expiration date of the target interest is deleted from the interest section library.
Step 603, calculating a second incremental interest of the borrowing to be refunded between the target accounting expiration date and the billing date, and storing the second incremental interest of the borrowing into the interest cross-section library.
In this step, calculating the second incremental interest of the to-be-refunded borrower between the target interest closing date and the accounting date includes: calculating the daily accumulated composite interest rate of the borrowing in a second time interval according to the accumulated composite interest rate of the borrowing target accounting deadline and the second time interval between the target accounting deadline and the billing date; and calculating a second incremental interest of the borrowing in the second time interval according to the daily accumulated composite interest rate of the borrowing in the second time interval.
For example, the 2019 1 st issues the RFR composite interest rate loan with benqing for five years, the customer pays off in advance on 2023 9 st 1 st, and the actual payoff amount is benjin+2019 1 st to 2023 9 st 1 st interest, so the interest calculation needs to be performed from 2023 12 st 31 st to 2023 9 st 1 st.
According to the method of steps 201 to 202, assuming that batch analysis is performed every 90 days by default, batch accounting is performed 20 times until the day of 2023 is 12 months and 31 months, as shown in table 1, the last accounting expiration date is 2023, 12 months and 6 days, the present payment accounting date is 2023, 9 months and 1 day (i.e. the accounting expiration date is 2023, 9 months and 1 day), the maximum system ID of the current borrowing data in the interest cross section library is obtained, the system ID value is recorded as '202306090001', the record of the interest cross section library larger than the system ID '202306090001' is deleted, namely, the ID '202309070001' and '202312060001' are deleted, the last accounting expiration date is 2023, 6, 9 months and 1 month and 9 days of 2023 are calculated, the increment interest of the accounting days is 84 days, and the accounting results are shown in table 1.
TABLE 1
In an embodiment of the present application, as shown in fig. 7, for each borrow in the borrow resource pool, the default threshold determining process of the borrow includes:
Step 701, obtaining historical advanced repayment data of the user to which the borrower belongs. The historical advance payment data in this step includes a time interval from the date of interest to the advance payment date.
Step 702, determining a minimum time interval for advanced repayment according to the historical advanced repayment data. When the step is implemented, the shortest time interval is screened out from the historical advanced repayment data of the user for many times.
In step 703, a preset threshold is determined according to the minimum time interval and the preset period of the advanced repayment. In detail, the preset period may be a minimum preset threshold, and in this step, the shortest time interval and the preset period are compared, if the shortest time interval is smaller than the preset period, the preset threshold is set as the shortest time interval, and if the shortest time interval is greater than or equal to the preset period, the preset threshold is set as the preset period.
According to the method and the device for the real-time charging of the user, the historical charging rules of the user are analyzed, so that the preset threshold value is set, and the segmented charging can be completed at least once before the user pays in advance as much as possible, so that the real-time charging efficiency of the user can be improved.
Based on the same inventive concept, the application also provides a rapid interest rate-based rapid interest-calculating device, as described in the following embodiment. Because the principle of the quick interest-calculating device based on the composite interest rate for solving the problem is similar to that of the quick interest-calculating method based on the composite interest rate, the implementation of the quick interest-calculating device based on the composite interest rate can be referred to the quick interest-calculating method based on the composite interest rate, and repeated parts are omitted.
Specifically, as shown in fig. 8, the rapid interest rate-based interest rate measuring device includes:
An obtaining unit 801, configured to obtain, from the borrowing resource pool, borrowing data that a last time of information is a distance from a current system day to a preset threshold.
The segment interest calculating unit 802 is configured to calculate a first incremental interest between the last interest ending date of the borrowing and the current system date, store the first incremental interest between the last interest ending date of the borrowing and the current system date to the interest cross-section library, and update the current system date to the interest ending date. Wherein calculating the first incremental interest between the expiration date of the last interest in the borrower and the current system day comprises: firstly, calculating the daily accumulated composite interest rate of the borrowing in a first time interval according to the accumulated composite interest rate of the borrowing in the last time and the first time interval between the expiration date of the last time and the system day; then, a first incremental interest between the expiration date of the borrower's last interest in the borrower and the current system day is calculated based on the cumulative composite interest rate of the borrower per day over the first time period.
The real-time interest calculating unit 803 is configured to receive a payment request from a user, obtain all first incremental interests of the target borrowing from the interest cross-section library, calculate a second incremental interest of the target borrowing between a last interest ending day and a current system day, add and calculate the first incremental interest and the second incremental interest of the target borrowing to obtain an interest result, and send the interest result to the user side. Wherein calculating a second incremental interest between the last interest closing day and the current system day for the target borrower comprises: firstly, calculating the daily accumulated composite interest rate of the target borrowing in a second time interval according to the accumulated composite interest rate of the target borrowing in the last time and the second time interval between the last information ending date and the appointed repayment date; then, a second incremental interest of the target borrower over a second time interval is calculated based on the daily cumulative composite interest rate of the target borrower over the second time interval.
According to the method, the first increment interest in the first preset interval is calculated respectively by dividing the accounting period of borrowing into a plurality of first time intervals by utilizing the preset threshold, when the repayment is carried out on the appointed repayment day, only the daily accumulated composite interest rate between the last accounting expiration date and the accounting date is calculated, the second increment interest is calculated according to the daily accumulated composite interest rate between the last accounting expiration date and the accounting date, the calculated first increment interest is added to the second increment interest of the same borrowing, and the accounting result can be calculated quickly, so that the accounting efficiency is improved, the time-consuming pressure of the system on the composite interest rate is reduced, the real-time performance of the accounting calculation is guaranteed, and the user experience is improved.
In order to illustrate the computational efficiency of the present application with respect to the prior art based on compound interest rate information, a specific embodiment is described below.
Five years of RFR composite interest rate loans are issued along with this clear from 1 st 2019, and the interest is calculated by paying off the counter after the client expires on 31 th 12 th 2023 (i.e. the contracted payment date) in real time.
The existing interest counting method based on the composite interest rate is applied: the system calculates real-time compound welfare from 1 st in 2019 to 31 nd in 2023, 12 th and 31 th, the number of days of interest is 1825, and the record of interest is shown in Table 2.
TABLE 2
The rapid interest rate-based rapid interest-calculating method based on the composite interest rate comprises the following steps of: batch information is counted every 90 days by default, 20 batch information is counted up to 2023 and 12 months and 31 days, the last information is counted up to 2023 and 12 months and 6 days, the interest of 2019, 1, to 2023 and 12 months and 6 days is accumulated from the interest cross section library, incremental rebates of 2023 and 12 months and 31 days are calculated in real time by a system, the information counting number is 25 days, and compared with 1825 days of the existing information counting method based on compound interest rate, the information counting time is reduced by about 90%. Interest cross-section library records are shown in table 3.
TABLE 3 Table 3
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The description about the reduction of the above-mentioned information consumption by about 90% is as follows:
Time consuming single calculation of interest rate: the number of interest days is reduced from 1825 to 25, 96% of the time is increased, and besides calculating the interest rate, other time is consumed, such as accessing a database to obtain the factor of calculating the interest rate, and the like, and the total is increased by 90% under the approximate estimation after comprehensive consideration.
In one embodiment of the application, as shown in FIG. 9, a computer device is also provided, and the computer device 902 may include one or more processors 904, such as one or more Central Processing Units (CPUs), each of which may implement one or more hardware threads. The computer device 902 may also include any memory 906 for storing any kind of information, such as code, settings, data, etc. For example, and without limitation, the memory 906 may include any one or more of the following combinations: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may store information using any technique. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of computer device 902. In one case, when the processor 904 executes associated instructions stored in any memory or combination of memories, the computer device 902 can perform any of the operations of the associated instructions. The computer device 902 also includes one or more drive mechanisms 908 for interacting with any memory, such as a hard disk drive mechanism, optical disk drive mechanism, and the like.
The computer device 902 may also include an input/output module 910 (I/O) for receiving various inputs (via an input device 912) and for providing various outputs (via an output device 914). One particular output mechanism may include a presentation device 916 and an associated graphical user interface 918 (GUI). In other embodiments, input/output module 910 (I/O), input device 912, and output device 914 may not be included, but merely as a computer device in a network. The computer device 902 may also include one or more network interfaces 920 for exchanging data with other devices via one or more communication links 922. One or more communication buses 924 couple the above-described components together.
The communication link 922 may be implemented in any manner, for example, through a local area network, a wide area network (e.g., the internet), a point-to-point connection, etc., or any combination thereof. Communication link 922 may include any combination of hardwired links, wireless links, routers, gateway functions, name servers, etc., governed by any protocol or combination of protocols.
The embodiment of the application also provides a computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, and the computer program executes the steps of the method when being executed by a processor.
Embodiments of the present application also provide a computer readable instruction, wherein the program therein causes a processor to perform the steps of the above method when the processor executes the instruction.
Embodiments of the present application also provide a computer program product comprising a computer program which, when executed by a processor of a computer device, implements the steps of the above method.
It should be understood that, in various embodiments of the present application, the sequence numbers of the foregoing processes do not mean the order of execution, and the order of execution of the processes should be determined by the functions and internal logic thereof, and should not constitute any limitation on the implementation process of the embodiments of the present application.
It should also be understood that, in the embodiment of the present application, the term "and/or" is merely an association relationship describing the association object, indicating that three relationships may exist. For example, a and/or B may represent: a exists alone, A and B exist together, and B exists alone. In the present application, the character "/" generally indicates that the front and rear related objects are an or relationship.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and the various illustrative elements and steps are described above in terms of functions generally in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, and are not repeated herein.
In the several embodiments provided by the present application, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. In addition, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices, or elements, or may be an electrical, mechanical, or other form of connection.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiment of the present application.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application is essentially or a part contributing to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The principles and embodiments of the present application have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present application; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.
Claims (10)
1. The rapid interest rate-based method is characterized by comprising the following steps of:
obtaining borrowing data from a borrowing resource pool, wherein the distance between the last information expiration date and the current system day reaches a preset threshold value;
calculating a first increment interest between the last interest ending date of the borrowing and the current system date, storing the first increment interest between the last interest ending date of the borrowing and the current system date into an interest section library, and updating the current system date into the interest ending date;
Receiving a repayment request of a user, acquiring all first increment interest of a target borrowing from an interest section library, calculating a second increment interest of the target borrowing between a last interest expiration date and a current system date, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an interest result, and sending the interest result to a user side.
2. The method as recited in claim 1, further comprising:
Adding and processing the first increment interest of the same borrowing in the interest cross section library to obtain the inventory unpaid interest of the borrowing;
obtaining all first increment interest of the target borrowing from the interest cross section library, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain a calculated result, wherein the calculated result is further as follows: acquiring the deposit unpaid interest of the target borrowing from the interest cross section library; and adding the second increment interest of the target borrower to the inventory unpaid interest of the target borrower to obtain an interest counting result.
3. The method of claim 1, further comprising, after each calculation of a first incremental interest between a last interest expiration date and a current system date for the borrower:
Generating a system identifier of the first incremental interest of the borrowing according to the calculated time of the first incremental interest of the borrowing;
The system identification is associated with the first incremental interest and then stored in the interest cross-section library.
4. The method of claim 3 wherein generating the system identification of the borrowed first incremental interest based on the calculated time of the borrowed first incremental interest further comprises:
Acquiring the region and the network point to which the borrower belongs;
Generating a serial number of the first incremental interest of the borrow according to the concurrent processing amount when the first incremental interest of the borrow is calculated;
and generating a system identifier according to the calculation time of the borrowed first increment interest, the region and the network point to which the borrowed belongs, and the serial number and the calculation time of the borrowed first increment interest.
5. The method of claim 1 wherein the to-be-refunded borrows having a billing day less than a last accounting expiration day are obtained from a borrowing resource pool, and the following processing is performed for each to-be-refunded borrow:
screening out the maximum accounting expiration date before the accounting date of the borrowed data to be refunded as a target accounting expiration date;
deleting first increment information after the target interest expiration date from the interest section library;
And calculating a second increment interest of the to-be-refunded borrowed data between the target accounting expiration date and the accounting date, and storing the second increment interest of the to-be-refunded borrowed data into an interest cross-section library.
6. The method of claim 1 wherein for each borrow in the borrowed resource pool, the default threshold determination for the borrow comprises:
acquiring historical advanced repayment data of a user to which the borrower belongs;
Determining the shortest time interval of early repayment according to the historical early repayment data;
And determining a preset threshold according to the minimum time interval of repayment in advance and the preset period.
7. Quick interest-counting device based on compound interest rate, characterized by comprising:
the obtaining unit is used for obtaining borrowing data from the borrowing resource pool, wherein the distance between the last information expiration date and the current system day reaches a preset threshold value;
the sectional interest unit is used for calculating a first increment interest between the last interest ending date of the borrowed data and the current system date, storing the first increment interest between the last interest ending date of the borrowed data and the current system date into the interest section library, and updating the current system date into the interest ending date;
The real-time information counting unit is used for receiving a repayment request of a user, acquiring all first increment interest of the target borrowing from the interest section library, calculating second increment interest between the last information ending date and the current system date of the target borrowing, adding and calculating the first increment interest and the second increment interest of the target borrowing to obtain an information counting result, and sending the information counting result to the user side.
8. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
9. A computer storage medium having stored thereon a computer program, which when executed by a processor of a computer device implements the method of any of claims 1 to 6.
10. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor of a computer device, implements the method of any one of claims 1 to 6.
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| CN202410306081.1A CN118172151A (en) | 2024-03-18 | 2024-03-18 | Rapid interest metering method and device based on composite interest rate |
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