CN109584036B - Object calculation method and device, electronic equipment and computer-readable storage medium - Google Patents

Abstract

The embodiment of the invention discloses an object calculation method, an object calculation device, electronic equipment and a computer readable storage medium, wherein the method comprises the following steps: acquiring a historical object calculation parameter set, wherein the historical object calculation parameter set comprises: a historical object calculation basic value, a historical object calculation equivalent value, a historical object calculation coefficient and a first historical object value of a previous calculation time unit; judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the values of the target object calculation basic value and the target object calculation and the like of the target calculation time unit according to the judgment result; and calculating to obtain a target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit. According to the technical scheme, on the premise of ensuring the calculation accuracy, the complexity of object data calculation such as interest and the like is effectively reduced, the calculation performance is improved, the calculation efficiency is improved, and meanwhile, the calculation time and the calculation resources can be saved.

Description

Object computing method, device, electronic device, and computer-readable storage medium

technical field

Embodiments of the present invention relate to the technical field of data computing, and specifically relate to an object computing method, device, electronic equipment, and computer-readable storage medium.

Background technique

With the development of data technology and financial business, a variety of interest calculation methods for financial business such as deposits, loans, and wealth management have been derived, such as: demand deposit, fixed term, agreement, equal principal and interest, multi-form loans, etc., the business model Enrichment makes the interest calculation rules more and more complicated. In order to meet the bookkeeping requirements of the full liability accrual system, it is necessary to accrue interest on the day for all data every day. In this case, how to improve calculation efficiency and quickly calculate massive user interest data on the premise of ensuring accurate interest calculation is an urgent problem to be solved. The commonly used interest calculation methods in the prior art are the cumulative interest calculation method and the transaction-by-tick interest calculation method. When the above interest calculation methods deal with the scene of multiple interest rate segments, recursive calculations are required before the complete interest calculation results can be obtained. , obviously, for the interest calculation scenario with a long period, the calculation performance will be greatly reduced; in order to improve the calculation performance, the daily interest method can also be used, that is, the interest generated every day is solidified, and then the daily interest is summed to obtain the interest The total amount, although this interest calculation method solves the calculation performance problem to a certain extent, the accumulation of the daily interest tail difference will affect the accuracy of the calculation.

Contents of the invention

Embodiments of the present invention provide an object computing method, device, electronic equipment, and computer-readable storage medium.

In a first aspect, an object computing method is provided in an embodiment of the present invention.

Specifically, the object calculation method includes:

Obtain a set of calculation parameters for historical objects, wherein the set of calculation parameters for historical objects includes: the calculation base value of the historical object, the equivalent value of the historical object calculation, the calculation coefficient of the historical object, and the first historical object value of the previous calculation time unit;

Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

The target object value is calculated according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.

With reference to the first aspect, in the first implementation manner of the first aspect of the embodiment of the present invention, the equivalent value of the historical object calculation is the continuous number of historical calculation time units whose basic value of the historical object calculation is the same as the historical object calculation coefficient product.

In combination with the first aspect and the first implementation manner of the first aspect, in the second implementation manner of the first aspect in the embodiment of the present invention, the determination of whether the object calculation coefficient of the target calculation time unit and the historical object calculation coefficient The same, and determine the target object calculation base value and target object calculation equivalent value of the target calculation time unit according to the judgment result, including:

Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as The target object calculates an equivalent value.

In combination with the first aspect, the first implementation of the first aspect, and the second implementation of the first aspect, in the third implementation of the first aspect of the present disclosure, the calculation of the equivalent value and The object calculation coefficient of the target calculation time unit is calculated to obtain the target object value, including:

Multiplying the target object calculation equivalent value by the object calculation coefficient of the target calculation time unit;

Confirm the resulting product as the target object value.

In combination with the first aspect, the first implementation of the first aspect, the second implementation of the first aspect, and the third implementation of the first aspect, in the fourth implementation of the first aspect, the present disclosure also includes include:

An object cumulative value is calculated and output based on the judgment result.

Combining the first aspect, the first implementation of the first aspect, the second implementation of the first aspect, the third implementation of the first aspect and the fourth implementation of the first aspect, the present disclosure is based on the first In the fifth implementation manner of the aspect, the calculating and outputting the cumulative value of the object according to the judgment result includes:

Obtaining a second history object value before the previous calculation time unit;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object accumulation value.

In a second aspect, an object computing device is provided in an embodiment of the present invention.

Specifically, the object computing device includes:

An acquisition module configured to acquire a set of historical object calculation parameters, wherein the historical object calculation parameter set includes: the historical object calculation base value of the previous calculation time unit, the historical object calculation equivalent value, the historical object calculation coefficient, and the first history object value;

The determination module is configured to judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation base value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

The calculation module is configured to calculate the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.

With reference to the second aspect, in the first implementation manner of the second aspect of the embodiment of the present invention, the equivalent value of the historical object calculation is the continuous number of historical calculation time units whose basic value of the historical object calculation is the same as the historical object calculation coefficient product.

With reference to the second aspect and the first implementation manner of the second aspect, in the embodiment of the present invention, in the second implementation manner of the second aspect, the determination module is configured to:

Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as The target object calculates an equivalent value.

Combining the second aspect, the first implementation of the second aspect, and the second implementation of the second aspect, in the third implementation of the second aspect of the present disclosure, according to the calculation module, it includes:

The calculation sub-module is configured to multiply the target object calculation equivalent value by the object calculation coefficient of the target calculation time unit;

A validation sub-module configured to validate the resulting product as a target object value.

In combination with the second aspect, the first implementation of the second aspect, the second implementation of the second aspect, and the third implementation of the second aspect, in the fourth implementation of the second aspect, the present disclosure also includes include:

An output module configured to calculate and output an object accumulation value according to the judgment result.

Combining the second aspect, the first implementation of the second aspect, the second implementation of the second aspect, the third implementation of the second aspect and the fourth implementation of the second aspect, the present disclosure is in the second In the fifth implementation manner of the aspect, the output module is configured as:

Obtaining a second history object value before the previous calculation time unit;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object cumulative value.

In a third aspect, an embodiment of the present invention provides an electronic device, including a memory and a processor, the memory is used to store one or more computer instructions that support the object computing device to execute the object computing method in the first aspect above, the The processor is configured to execute computer instructions stored in said memory. The object computing device may further include a communication interface for the object computing device to communicate with other devices or a communication network.

In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium for storing computer instructions used by an object computing device, which includes a computer for performing the object computing method in the above first aspect as the object computing device instruction.

The technical solutions provided by the embodiments of the present invention may include the following beneficial effects:

The above technical solution splits the calculation of interest and other object data according to the change of interest rate, that is, calculates the object data by adopting the method of interest rate segmentation and solidification, so that the interest corresponding to different interest rates can be relatively independent and avoid double calculation. The technical solution can effectively reduce the complexity of calculation of object data such as interest on the premise of ensuring calculation accuracy, improve calculation performance, improve calculation efficiency, and save calculation time and resources at the same time.

It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and are not intended to limit the embodiments of the present invention.

Description of drawings

Other features, objects and advantages of the embodiments of the present invention will become more apparent through the following detailed description of the non-limiting embodiments in conjunction with the accompanying drawings. In the attached picture:

FIG. 1 shows a flowchart of an object calculation method according to an embodiment of the present invention;

FIG. 2 shows a flow chart of step S103 of the object calculation method according to the embodiment shown in FIG. 1;

FIG. 3 shows a flowchart of an object calculation method according to another embodiment of the present invention;

Fig. 4 shows a structural block diagram of an object computing device according to an embodiment of the present invention;

FIG. 5 shows a structural block diagram of the computing module 403 of the object computing device according to the embodiment shown in FIG. 4;

FIG. 6 shows a structural block diagram of an object computing device according to another embodiment of the present invention;

FIG. 7 shows a structural block diagram of an electronic device according to an embodiment of the present invention;

FIG. 8 is a schematic structural diagram of a computer system suitable for implementing the object computing method according to an embodiment of the present invention.

Detailed ways

Hereinafter, exemplary embodiments of embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily realize them. Also, for clarity, parts not related to describing the exemplary embodiments are omitted in the drawings.

In the embodiments of the present invention, it should be understood that terms such as "comprising" or "having" are intended to indicate the presence of features, numbers, steps, acts, components, parts or combinations thereof disclosed in this specification, and are not intended to The possibility that one or more other features, numbers, steps, acts, parts, parts or combinations thereof exist or be added is excluded.

In addition, it should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The embodiments of the present invention will be described in detail below with reference to the drawings and in combination with the embodiments.

The technical solution provided by the embodiment of the present invention splits the calculation of interest and other object data according to the change of interest rate, that is, the interest rate is segmented and solidified to calculate the object data, so that the interest corresponding to different interest rates can be relatively independent and avoid double calculation . The technical solution can effectively reduce the complexity of calculation of object data such as interest on the premise of ensuring calculation accuracy, improve calculation performance, improve calculation efficiency, and save calculation time and resources at the same time.

Fig. 1 shows a flowchart of an object calculation method according to an embodiment of the present invention. As shown in Fig. 1, the object calculation method includes the following steps S101-S103:

In step S101, obtain a historical object calculation parameter set;

In step S102, judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

In step S103, the target object value is calculated according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.

As mentioned above, with the development of data technology and financial services, a variety of interest calculation methods for financial services such as deposits, loans, and wealth management have been derived, such as: current demand, fixed term, agreement, equal principal and interest, multi-form loans, etc. etc. The richness of business models makes the rules of interest calculation more and more complicated. In order to meet the bookkeeping requirements of the full liability accrual system, it is necessary to accrue interest on the day for all data every day. In this case, how to improve calculation efficiency and quickly calculate massive user interest data on the premise of ensuring accurate interest calculation is an urgent problem to be solved. However, the commonly used interest calculation methods in the prior art either have poor calculation performance or poor calculation accuracy, and cannot meet the needs of practical applications.

Considering the above problems, in this embodiment, an object calculation method is proposed, which divides the calculation of interest and other object data according to the change of interest rate, that is, calculates the object data by adopting the method of interest rate segmentation and solidification, so that The interest corresponding to different interest rates can be relatively independent to avoid double calculation. The technical solution can effectively reduce the complexity of calculation of object data such as interest on the premise of ensuring calculation accuracy, improve calculation performance, improve calculation efficiency, and save calculation time and resources at the same time.

Wherein, the object refers to interest or other objects that have calculation coefficients and cumulative calculations.

In an optional implementation of this embodiment, the historical object calculation parameter set includes: the historical object calculation base value, the historical object calculation equivalent value, the historical object calculation coefficient, and the first historical object value of the previous calculation time unit. Wherein, the calculation time unit refers to the time unit used for object calculation, such as day, week, month, etc. For ease of understanding, the present invention will be further explained and described below using day as the calculation time unit.

Wherein, the object calculation basic value refers to the basic data value that generates the object data; the object calculation equivalent value refers to a certain calculation or conversion of the object calculation basic value for the convenience of object calculation. Equivalent value; the object calculation coefficient refers to the coefficient data such as interest rate that plays a decisive role in the object data.

For example, a customer deposits 10,000 yuan in a financial institution with a deposit period of 1 year, and the agreed annual interest rate is 5%. Although the customer may only care about how much interest he can get after 1 year, but For financial institutions, in order to improve fund management, it is necessary to calculate the interest generated by the customer's deposit on a daily basis. In the interest calculation of this example, the calculation base value of the object is 10,000 yuan, and the calculation coefficient of the object is the daily interest rate of 0.137‰, that is, the annual interest rate of 5% divided by the total number of days in a year is 365. In addition, in order to facilitate the calculation of interest, the value obtained by multiplying the calculation base value of the object by the total number of days of value starting every day, or the sum of the calculation equivalent value of the historical object of the previous calculation time unit and the calculation base value of the target object on the current calculation day is taken as The object calculates the equivalent value to calculate the daily interest, that is, after obtaining the object calculation equivalent value, it can be directly multiplied by the daily interest rate to obtain the daily interest. For example, in the above example, the object calculation basis of the first day The value is 10,000 yuan, the total number of days of value starting is 1, and the equivalent value of the object calculation on the first day is the object calculation base value of the first day multiplied by the total number of days of starting value is equal to 10,000 yuan, and the object calculation coefficient of the first day is 0.137 ‰, the interest value on the first day is 10,000 yuan multiplied by 0.137‰, which is equal to 1.37 yuan; the object calculation base value on the second day is still 10,000 yuan, the total number of days of interest is 2, and the object calculation equivalent value on the second day Multiplying the basic value of the object on the second day by the total number of days of starting interest is equal to 20,000 yuan, and the calculation coefficient of the object on the second day remains unchanged at 0.137‰, so the interest value of the next day is 20,000 yuan multiplied by 0.137‰ It is equal to 2.74 yuan; the base calculation value of the object on the third day is still 10,000 yuan, and the total number of days to start the interest rate is 3. RMB 10,000, the object calculation coefficient on the third day remains unchanged, which is still 0.137‰, then the interest value on the third day is 30,000 yuan multiplied by 0.137‰, which is equal to 4.11 yuan, and so on, to get the daily interest of the customer value.

Wherein, the target calculation time unit refers to the time at which the object data is currently to be calculated, such as the current day, current week or current month.

In an optional implementation of this embodiment, the step S102 is to determine whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation coefficient of the target calculation time unit according to the judgment result. The steps for calculating the equivalent value of the base value and the target object include the following steps:

Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as The target object calculates an equivalent value.

As mentioned above, the richness of the current financial business model has brought about various interest calculation rules. For example, in order to attract customers, some financial institutions have introduced deposit rules with higher interest rates in the early stage. For example, for one-year deposits , the annual interest rate for the first two months is 8% for the first 60 days, the annual interest rate for the next 10 months is 5% for the next 305 days, and even more interest rate changes occur during the deposit period, such as the first two months The annual interest rate for the 60 days is 8%, the annual interest rate for the middle two months is 6% for the middle 60 days, and the annual interest rate for the last 8 months is 5% for the last 245 days. For such floating rate calculation rules, the commonly used interest calculation methods in the prior art either have poor calculation performance or poor calculation accuracy, which cannot meet the needs of practical applications. Therefore, in order to simplify the calculation of interest, avoid unnecessary repeated accumulation, and improve calculation efficiency, in this embodiment, the calculation of object data such as interest is split according to the change of interest rate, that is, the interest rate is calculated in a segmented and solidified way object data.

Specifically, first judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, that is, determine whether the interest rate of the current calculation day and the previous calculation day are the same; The previous calculation time unit is combined for calculation, and the object value can be obtained by accumulating the equivalent value of the object calculation and multiplying the equivalent value of the object calculation by the object calculation coefficient, that is, at this time, the basic value of the historical object calculation can be determined as The target object calculation base value, the sum of the historical object calculation equivalent value and the target object calculation base value is determined as the target object calculation equivalent value; but if they are not the same, the target calculation time unit needs to be compared with the previous One calculation time unit is calculated separately. At this time, the interest value obtained by historical calculation is set as an obtained solidified interest value, and then the calculation basis value of the historical object is determined as the calculation basis value of the target object. The calculation base value of the target object is determined as the calculation equivalent value of the target object, even if the calculation equivalent value of the target object is restored to the object calculation base value, a new round of calculation of the interest rate benchmark is restarted.

In an optional implementation of this embodiment, as shown in FIG. 2, the step S103, that is, the step of calculating the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit, includes The following steps S201-S202:

In step S201, the target object calculation equivalent value is multiplied by the object calculation coefficient of the target calculation time unit;

In step S202, the obtained product is confirmed as the target object value.

In this embodiment, the target object value of the target calculation time unit can be obtained by multiplying the confirmed target object calculation equivalent value by the target calculation coefficient of the target calculation time unit.

In an optional implementation of this embodiment, the method further includes the step of calculating and outputting the cumulative value of the object according to the judgment result, that is, as shown in Figure 3, the method includes the following steps S301-S304:

In step S301, a historical object calculation parameter set is obtained, wherein the historical object calculation parameter set includes: the historical object calculation basic value of the previous calculation time unit, the historical object calculation equivalent value, the historical object calculation coefficient and the first historical object value;

In step S302, judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

In step S303, the target object value is calculated according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit;

In step S304, the target cumulative value is calculated and output according to the judgment result.

In this embodiment, in order to facilitate the financial institution's data statistics or the customer's data retention, the cumulative value of the object is also calculated and output, that is, the cumulative value of the object value obtained up to the target calculation time unit.

In an optional implementation of this embodiment, the step S304, that is, the step of calculating and outputting the cumulative value of the object according to the judgment result, includes the following steps:

Obtaining a second history object value before the previous calculation time unit;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object accumulation value.

In this embodiment, in order to effectively accumulate the object value, first obtain the second historical object value obtained before the previous calculation time unit, and then judge whether the object calculation coefficient of the target calculation time unit and the historical object calculation coefficient The same, if they are the same, add the calculated target object value and the second historical object value as the cumulative object value output; if not, first use the sum of the first historical object value and the second historical object value as a new The second historical object value, and then output the sum of the target object value and the new second historical object value as the object cumulative value.

Wherein, the second historical object value refers to the solidified interest value obtained before the previous calculation time unit. If the interest rate value before the previous calculation time unit has not changed, the second historical object value is Zero, if the interest rate value has changed before the previous calculation time unit, then the second historical object value is the previously obtained fixed interest value, and the fixed interest value is generated within the duration of each previous interest rate the sum of interest.

Taking the above example as an example, a customer has deposited 10,000 yuan in a financial institution with a deposit period of 1 year. The annual interest rate for the first 60 days of the deposit is 8%, the daily interest rate is 0.219‰, and the annual interest rate for the middle 60 days is The interest rate is 6%, the daily interest rate is 0.164‰, the annual interest rate for the next 245 days is 5%, and the daily interest rate is 0.137‰. Then the interest for each day in the first 60 days is calculated by the equivalent value of the object of the current day multiplied by the daily interest rate of 0.219‰, among which, the equivalent value of the object calculated by the current day is equal to the basic value of the object calculated on the current day multiplied by the number of days of interest; on the 60th day, the customer gets The interest calculated for the object on the 60th day is equivalent to 600,000 yuan multiplied by the daily interest rate of 0.219‰, which equals 131.5 yuan.

On the 61st day, the object calculation coefficient has changed from 0.219‰ to 0.164‰. At this time, in order to simplify the calculation of interest and avoid unnecessary repeated accumulation, the method of calculating interest in stages is adopted, that is, the interest obtained in the previous 60 days 131.5 yuan is reserved as the fixed interest value first, and the 61st day is calculated as the first value date of the next interest rate segment. At this time, the object calculation basis value on the 61st day remains unchanged, which is still 10,000 yuan. However, the equivalent value of the object calculation on the 61st day is no longer the basic value of the object calculation multiplied by the total number of days of value 61, but returns to the initial value of the first value date, which is equal to the basic value of the object calculation of 10,000 yuan. The calculation coefficient of the object on the 61st day has changed to 0.164‰, so the interest obtained on the 61st day is the equivalent value of 10,000 yuan multiplied by the calculation coefficient of the object on the 61st day of 0.164‰, which is equal to 1.64 yuan; the second interest rate On the last day, that is, the 120th day, the interest obtained by the customer is equivalent to 600,000 yuan multiplied by the second daily interest rate of 0.164‰, equal to 98.63 yuan.

On the 121st day, the calculation coefficient of the object has changed again, from 0.164‰ to 0.137‰. Similar to the above processing method, add the interest obtained in the middle 60 days of 98.63 yuan to the interest obtained in the first 60 days of 131.5 yuan, and you will get The interest sum value of 230.13 yuan will continue to be retained as the new fixed interest value, and the 121st day will be calculated as the first value date of the next interest rate segment. is 10,000 yuan, the calculated equivalent value of the object on the 121st day returns to the initial value of the first value date, which is equal to the basic value of the object calculated at 10,000 yuan, and the calculation coefficient of the object on the 121st day becomes 0.137‰, then the 121st day The interest obtained on the first day is the object calculation equivalent value of 10,000 yuan on the 121st day multiplied by the object calculation coefficient 0.137‰ on the 121st day, which is equal to 1.37 yuan. The object calculation coefficients from the 121st day to the 365th day have not changed, so that the interest value can be calculated according to the fixed object calculation coefficient processing method described above, then the interest obtained on the 365th day is the object calculation on the 365th day, etc. The value of 2.45 million yuan multiplied by the object calculation coefficient 0.137‰ on the 365th day is equal to 335.6 yuan. Finally, add the interest value corresponding to the third interest rate of 335.6 yuan to the fixed interest value of 230.13 yuan saved before, and you can get the customer’s The total interest value obtained under the above floating interest rate agreement is 565.73 yuan.

The above example illustrates the calculation of interest when the interest rate changes twice during the deposit period. For the case of multiple changes in the interest rate during the deposit period, similar interest calculations can be performed accordingly, and the present invention will not repeat them here.

In an optional implementation manner of this embodiment, the method further includes the following steps before step S102:

Obtain the object calculation coefficient of the target calculation time unit;

A step of preprocessing the object calculation coefficient of the target calculation time unit and each parameter in the historical object calculation parameter set.

Considering that the object calculation coefficient of the target calculation time unit and each parameter in the historical object calculation parameter set may come from different platforms or different systems, the format of these data is not the same, in order to improve the work of data processing and interest calculation Efficiency, it is necessary to perform denoising, normalization and/or format conversion processing on the obtained data according to the needs of actual applications, that is, in an optional implementation of this embodiment, the preprocessing may include one of the following processing One or more of: denoising, normalization, and format conversion.

In an optional implementation manner of this embodiment, the method further includes a step of outputting a target object value after step S103.

Considering that the target object value can be applied or displayed by different business parties, in this step, the display form of the target object value can be modified according to the needs of different business parties and then output, for example, the target object can be Values are placed in different data templates and output to different business parties.

The following are device embodiments of the present invention, which can be used to implement the method embodiments of the present invention.

FIG. 4 shows a structural block diagram of an object computing device according to an embodiment of the present invention. The device can be implemented as part or all of an electronic device through software, hardware or a combination of the two, and can be specifically implemented as a platform side. As shown in Figure 4, the object computing device includes:

The obtaining module 401 is configured to obtain a set of historical object calculation parameters;

The determination module 402 is configured to determine whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

The calculation module 403 is configured to calculate the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit.

As mentioned above, with the development of data technology and financial services, a variety of interest calculation methods for financial services such as deposits, loans, and wealth management have been derived, such as: current demand, fixed term, agreement, equal principal and interest, multi-form loans, etc. etc. The richness of business models makes the rules of interest calculation more and more complicated. In order to meet the bookkeeping requirements of the full liability accrual system, it is necessary to accrue interest on the day for all data every day. In this case, how to improve calculation efficiency and quickly calculate massive user interest data on the premise of ensuring accurate interest calculation is an urgent problem to be solved. However, the commonly used interest calculation methods in the prior art either have poor calculation performance or poor calculation accuracy, and cannot meet the needs of practical applications.

Considering the above problems, in this embodiment, an object calculation device is proposed, which splits the calculation of interest and other object data according to the change of interest rate, that is, calculates the object data by adopting the method of interest rate segmentation and solidification, so that The interest corresponding to different interest rates can be relatively independent to avoid double calculation. The technical solution can effectively reduce the complexity of calculation of object data such as interest on the premise of ensuring calculation accuracy, improve calculation performance, improve calculation efficiency, and save calculation time and resources at the same time.

Wherein, the object refers to interest or other objects that have calculation coefficients and cumulative calculations.

In an optional implementation of this embodiment, the historical object calculation parameter set includes: the historical object calculation base value, the historical object calculation equivalent value, the historical object calculation coefficient, and the first historical object value of the previous calculation time unit. Wherein, the calculation time unit refers to the time unit used for object calculation, such as day, week, month, etc. For ease of understanding, the present invention will be further explained and described below using day as the calculation time unit.

Wherein, the object calculation basic value refers to the basic data value that generates the object data; the object calculation equivalent value refers to a certain calculation or conversion of the object calculation basic value for the convenience of object calculation. Equivalent value; the object calculation coefficient refers to the coefficient data such as interest rate that plays a decisive role in the object data.

For example, a customer deposits 10,000 yuan in a financial institution with a deposit period of 1 year, and the agreed annual interest rate is 5%. Although the customer may only care about how much interest he can get after 1 year, but For financial institutions, in order to improve fund management, it is necessary to calculate the interest generated by the customer's deposit on a daily basis. In the interest calculation of this example, the calculation base value of the object is 10,000 yuan, and the calculation coefficient of the object is the daily interest rate of 0.137‰, that is, the annual interest rate of 5% divided by the total number of days in a year is 365. In addition, in order to facilitate the calculation of interest, the value obtained by multiplying the calculation base value of the object by the total number of days of value starting every day, or the sum of the calculation equivalent value of the historical object of the previous calculation time unit and the calculation base value of the target object on the current calculation day is taken as The object calculates the equivalent value to calculate the daily interest, that is, after obtaining the object calculation equivalent value, it can be directly multiplied by the daily interest rate to obtain the daily interest. For example, in the above example, the object calculation basis of the first day The value is 10,000 yuan, the total number of days of value starting is 1, and the equivalent value of the object calculation on the first day is the object calculation base value of the first day multiplied by the total number of days of starting value is equal to 10,000 yuan, and the object calculation coefficient of the first day is 0.137 ‰, the interest value on the first day is 10,000 yuan multiplied by 0.137‰, which is equal to 1.37 yuan; the object calculation base value on the second day is still 10,000 yuan, the total number of days of interest is 2, and the object calculation equivalent value on the second day Multiplying the basic value of the object on the second day by the total number of days of starting interest is equal to 20,000 yuan, and the calculation coefficient of the object on the second day remains unchanged at 0.137‰, so the interest value of the next day is 20,000 yuan multiplied by 0.137‰ It is equal to 2.74 yuan; the base calculation value of the object on the third day is still 10,000 yuan, and the total number of days to start the interest rate is 3. RMB 10,000, the object calculation coefficient on the third day remains unchanged, which is still 0.137‰, then the interest value on the third day is 30,000 yuan multiplied by 0.137‰, which is equal to 4.11 yuan, and so on, to get the daily interest of the customer value.

Wherein, the target calculation time unit refers to the time at which the object data is currently to be calculated, such as the current day, current week or current month.

In an optional implementation manner of this embodiment, the determining module 402 is configured to:

Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as The target object calculates an equivalent value.

As mentioned above, the richness of the current financial business model has brought about various interest calculation rules. For example, in order to attract customers, some financial institutions have introduced deposit rules with higher interest rates in the early stage. For example, for one-year deposits , the annual interest rate for the first two months is 8% for the first 60 days, the annual interest rate for the next 10 months is 5% for the next 305 days, and even more interest rate changes occur during the deposit period, such as the first two months The annual interest rate for the 60 days is 8%, the annual interest rate for the middle two months is 6% for the middle 60 days, and the annual interest rate for the last 8 months is 5% for the last 245 days. For such floating rate calculation rules, the commonly used interest calculation methods in the prior art either have poor calculation performance or poor calculation accuracy, which cannot meet the needs of practical applications. Therefore, in order to simplify the calculation of interest, avoid unnecessary repeated accumulation, and improve calculation efficiency, in this embodiment, the calculation of object data such as interest is split according to the change of interest rate, that is, the interest rate is calculated in a segmented and solidified way object data.

Specifically, the determination module 402 judges whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, that is, judges whether the interest rates of the current calculation day and the previous calculation day are the same; The unit is combined with the previous calculation time unit for calculation, and the object value can be obtained by accumulating the equivalent value of the object calculation and multiplying the equivalent value of the object calculation by the object calculation coefficient, that is, at this time, the basic value of the historical object calculation can be calculated Determine the calculation base value of the target object, and determine the sum of the calculation equivalent value of the historical object and the calculation base value of the target object as the calculation equivalent value of the target object; but if they are not the same, the target calculation time unit needs to be The calculation is performed separately from the previous calculation time unit. At this time, the interest value obtained by historical calculation is set as an obtained solidified interest value, and then the calculation basis value of the historical object is determined as the calculation basis value of the target object, The calculation base value of the target object is determined as the calculation equivalent value of the target object, even if the calculation equivalent value of the target object is restored to the base calculation value of the target object, and a new round of interest rate benchmark calculation is restarted.

In an optional implementation of this embodiment, as shown in FIG. 5, the calculation module 403 includes:

The calculation sub-module 501 is configured to multiply the target object calculation equivalent value by the object calculation coefficient of the target calculation time unit;

The confirmation sub-module 502 is configured to confirm the obtained product as the target object value.

In this embodiment, the target object value of the target calculation time unit can be obtained by multiplying the confirmed target object calculation equivalent value by the target calculation coefficient of the target calculation time unit.

In an optional implementation of this embodiment, the device further includes a part that calculates and outputs the cumulative value of the object according to the judgment result, that is, as shown in Figure 6, the device includes:

The acquiring module 601 is configured to acquire a historical object calculation parameter set, wherein the historical object calculation parameter set includes: the historical object calculation basic value of the previous calculation time unit, the historical object calculation equivalent value, the historical object calculation coefficient and the first history object value;

The determination module 602 is configured to determine whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result;

The calculation module 603 is configured to calculate the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit;

The output module 604 is configured to calculate and output the cumulative value of the object according to the judgment result.

In this embodiment, in order to facilitate data statistics of financial institutions or customer data retention, an output module 604 is also provided to calculate and output the cumulative value of the object, that is, the cumulative value of the object value obtained up to the target calculation time unit.

In an optional implementation manner of this embodiment, the output module 604 is configured to:

Obtaining a second history object value before the previous calculation time unit;

When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output;

When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object accumulation value.

In this embodiment, in order to effectively accumulate the object value, the output module 604 first obtains the second historical object value obtained before the previous calculation time unit, and then judges whether the object calculation coefficient of the target calculation time unit is consistent with the Whether the historical object calculation coefficients are the same, if they are the same, add the calculated target object value and the second historical object value as the object cumulative value output; if not, first compare the first historical object value and the second historical object value The sum of is used as the new second historical object value, and then the sum of the target object value and the new second historical object value is output as the cumulative value of the object.

Wherein, the second historical object value refers to the solidified interest value obtained before the previous calculation time unit. If the interest rate value before the previous calculation time unit has not changed, the second historical object value is Zero, if the interest rate value has changed before the previous calculation time unit, then the second historical object value is the previously obtained fixed interest value, and the fixed interest value is generated within the duration of each previous interest rate the sum of interest.

Taking the above example as an example, a customer has deposited 10,000 yuan in a financial institution with a deposit period of 1 year. The annual interest rate for the first 60 days of the deposit is 8%, the daily interest rate is 0.219‰, and the annual interest rate for the middle 60 days is The interest rate is 6%, the daily interest rate is 0.164‰, the annual interest rate for the next 245 days is 5%, and the daily interest rate is 0.137‰. Then the interest for each day in the first 60 days is calculated by the equivalent value of the object of the current day multiplied by the daily interest rate of 0.219‰, among which, the equivalent value of the object calculated by the current day is equal to the basic value of the object calculated on the current day multiplied by the number of days of interest; on the 60th day, the customer gets The interest calculated for the object on the 60th day is equivalent to 600,000 yuan multiplied by the daily interest rate of 0.219‰, which equals 131.5 yuan.

On the 61st day, the object calculation coefficient has changed from 0.219‰ to 0.164‰. At this time, in order to simplify the calculation of interest and avoid unnecessary repeated accumulation, the method of calculating interest in stages is adopted, that is, the interest obtained in the previous 60 days 131.5 yuan is reserved as the fixed interest value first, and the 61st day is calculated as the first value date of the next interest rate segment. At this time, the object calculation basis value on the 61st day remains unchanged, which is still 10,000 yuan. However, the equivalent value of the object calculation on the 61st day is no longer the basic value of the object calculation multiplied by the total number of days of value 61, but returns to the initial value of the first value date, which is equal to the basic value of the object calculation of 10,000 yuan. The calculation coefficient of the object on the 61st day has changed to 0.164‰, so the interest obtained on the 61st day is the equivalent value of 10,000 yuan multiplied by the calculation coefficient of the object on the 61st day of 0.164‰, which is equal to 1.64 yuan; the second interest rate On the last day, that is, the 120th day, the interest obtained by the customer is equivalent to 600,000 yuan multiplied by the second daily interest rate of 0.164‰, equal to 98.63 yuan.

On the 121st day, the calculation coefficient of the object has changed again, from 0.164‰ to 0.137‰. Similar to the above processing method, add the interest obtained in the middle 60 days of 98.63 yuan to the interest obtained in the first 60 days of 131.5 yuan, and you will get The interest sum value of 230.13 yuan will continue to be retained as the new fixed interest value, and the 121st day will be calculated as the first value date of the next interest rate segment. is 10,000 yuan, the calculated equivalent value of the object on the 121st day returns to the initial value of the first value date, which is equal to the basic value of the object calculated at 10,000 yuan, and the calculation coefficient of the object on the 121st day becomes 0.137‰, then the 121st day The interest obtained on the first day is the object calculation equivalent value of 10,000 yuan on the 121st day multiplied by the object calculation coefficient 0.137‰ on the 121st day, which is equal to 1.37 yuan. The object calculation coefficients from the 121st day to the 365th day have not changed, so that the interest value can be calculated according to the fixed object calculation coefficient processing method described above, then the interest obtained on the 365th day is the object calculation on the 365th day, etc. The value of 2.45 million yuan multiplied by the object calculation coefficient 0.137‰ on the 365th day is equal to 335.6 yuan. Finally, add the interest value corresponding to the third interest rate of 335.6 yuan to the fixed interest value of 230.13 yuan saved before, and you can get the customer’s The total interest value obtained under the above floating interest rate agreement is 565.73 yuan.

The above example illustrates the calculation of interest when the interest rate changes twice during the deposit period. For the case of multiple changes in the interest rate during the deposit period, similar interest calculations can be performed accordingly, and the present invention will not repeat them here.

In an optional implementation manner of this embodiment, the device may further include:

The object calculation coefficient acquisition module is configured to acquire the object calculation coefficient of the target calculation time unit;

The preprocessing module is configured to perform preprocessing on each parameter in the object calculation coefficient of the target calculation time unit and the historical object calculation parameter set.

Considering that the object calculation coefficient of the target calculation time unit and each parameter in the historical object calculation parameter set may come from different platforms or different systems, the format of these data is not the same, in order to improve the work of data processing and interest calculation Efficiency, it is necessary to perform denoising, normalization and/or format conversion processing on the obtained data according to the needs of actual applications, that is, in an optional implementation of this embodiment, the preprocessing may include one of the following processing One or more of: denoising, normalization, and format conversion.

In an optional implementation manner of this embodiment, the device may further include a target object value output module configured to output the target object value.

Considering that the target object value can be applied or displayed by different business parties, the target object value output module can modify and then output the display form of the target object value according to the needs of different business parties, for example, the The target object value is placed in different data templates and output to different business parties.

The embodiment of the present invention also discloses an electronic device. FIG. 7 shows a structural block diagram of an electronic device according to an embodiment of the present invention. As shown in FIG. 7, the electronic device 700 includes a memory 701 and a processor 702; wherein,

The memory 701 is used to store one or more computer instructions, wherein the one or more computer instructions are executed by the processor 702 to implement any of the above method steps.

FIG. 8 is a structural schematic diagram of a computer system suitable for implementing the object computing method according to the embodiment of the present invention.

As shown in FIG. 8 , a computer system 800 includes a central processing unit (CPU) 801 that can be programmed according to a program stored in a read-only memory (ROM) 802 or a program loaded from a storage section 808 into a random-access memory (RAM) 803 Instead, various processes in the above-described embodiments are executed. In RAM803, various programs and data necessary for the operation of system 800 are also stored. The CPU 801 , ROM 802 , and RAM 803 are connected to each other via a bus 804 . An input/output (I/O) interface 805 is also connected to the bus 804 .

The following components are connected to the I/O interface 805: an input section 806 including a keyboard, a mouse, etc.; an output section 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 808 including a hard disk, etc. and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 810 as necessary so that a computer program read therefrom is installed into the storage section 808 as necessary.

In particular, according to an embodiment of the present invention, the methods described above may be implemented as a computer software program. For example, the embodiments of the present invention include a computer program product including a computer program tangibly embodied on its readable medium, the computer program including program code for executing the object computing method. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 809 and/or installed from a removable medium 811 .

The flowchart and block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in a roadmap or block diagram may represent a module, program segment, or part of code that contains one or more Executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or they may sometimes be executed in the reverse order, depending upon the functionality involved. It should also be noted that each block of the block diagrams and/or flowchart illustrations, and combinations of blocks in the block diagrams and/or flowchart illustrations, can be implemented by a dedicated hardware-based system that performs the specified functions or operations , or may be implemented by a combination of dedicated hardware and computer instructions.

The units or modules involved in the embodiments of the present invention may be implemented by software or by hardware. The described units or modules may also be set in the processor, and the names of these units or modules do not constitute limitations on the units or modules themselves in some cases.

As another aspect, an embodiment of the present invention also provides a computer-readable storage medium, which may be the computer-readable storage medium contained in the device described in the above implementation manner; or may exist independently , a computer-readable storage medium not incorporated into a device. The computer-readable storage medium stores one or more programs, and the programs are used by one or more processors to execute the methods described in the embodiments of the present invention.

The above description is only a preferred embodiment of the present invention and an illustration of the applied technical principle. Those skilled in the art should understand that the scope of the invention involved in the embodiments of the present invention is not limited to the technical solution formed by the specific combination of the above-mentioned technical features, but also covers the above-mentioned Other technical solutions formed by any combination of technical features or equivalent features. For example, a technical solution formed by replacing the above-mentioned features with technical features with similar functions disclosed in (but not limited to) the embodiments of the present invention.

Claims (10)

1. An object computing method, characterized in that, comprising: Obtain a set of calculation parameters for historical objects, wherein the set of calculation parameters for historical objects includes: the calculation base value of the historical object, the equivalent value of the historical object calculation, the calculation coefficient of the historical object, and the first historical object value of the previous calculation time unit; Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result; Calculate the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit; The judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determining the target object calculation basis value and the target object calculation equivalent value of the target calculation time unit according to the judgment result include: Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient; When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object; When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as said target object calculates an equivalent value; The calculation of the target object value according to the target object calculation equivalent value and the target calculation time unit of the target calculation coefficient includes: Multiplying the target object calculation equivalent value by the object calculation coefficient of the target calculation time unit; Confirm the obtained product as the target object value. 2 . The method according to claim 1 , wherein the equivalent value of the historical object calculation is the product of the historical object calculation basic value and the historical calculation time unit duration of the same historical object calculation coefficient. 3 . 3. The method according to claim 1 or 2, further comprising: An object cumulative value is calculated and output based on the judgment result. 4. The method according to claim 3, wherein the calculating and outputting the cumulative value of the object according to the judgment result comprises: Obtaining a second history object value before the previous calculation time unit; When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output; When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object accumulation value. 5. An object computing device, comprising: An acquisition module configured to acquire a set of historical object calculation parameters, wherein the historical object calculation parameter set includes: the historical object calculation base value of the previous calculation time unit, the historical object calculation equivalent value, the historical object calculation coefficient, and the first history object value; The determination module is configured to judge whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, and determine the target object calculation base value and the target object calculation equivalent value of the target calculation time unit according to the judgment result; The calculation module is configured to calculate the target object value according to the target object calculation equivalent value and the object calculation coefficient of the target calculation time unit; The determining module is configured to: Judging whether the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient; When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, the historical object calculation base value is determined as the target object calculation base value, and the historical object calculation equivalent value and the The sum of the target object calculation base values is determined to calculate an equivalent value for said target object; When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, the historical object calculation basis value is determined as the target object calculation basis value, and the target object calculation basis value is determined as said target object calculates an equivalent value; The calculation module includes: The calculation sub-module is configured to multiply the target object calculation equivalent value by the object calculation coefficient of the target calculation time unit; A validation sub-module configured to validate the resulting product as a target object value. 6 . The device according to claim 5 , wherein the historical object calculation equivalent value is the product of the historical object calculation basic value and the historical calculation time unit duration with the same historical object calculation coefficient. 7 . 7. The device according to claim 5 or 6, further comprising: An output module configured to calculate and output an object accumulation value according to the judgment result. 8. The device according to claim 7, wherein the output module is configured to: Obtaining a second history object value before the previous calculation time unit; When the object calculation coefficient of the target calculation time unit is the same as the historical object calculation coefficient, calculate the sum of the target object value and the second historical object value, and use the obtained sum value as the object cumulative value output; When the object calculation coefficient of the target calculation time unit is different from the historical object calculation coefficient, updating the second historical object value to the sum of the first historical object value and the second historical object value, and output the sum of the target object value and the updated second historical object value as the object accumulation value. 9. An electronic device, characterized in that it includes a memory and a processor; wherein, The memory is used to store one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement the method steps described in any one of claims 1-4. 10. A computer-readable storage medium, on which computer instructions are stored, wherein, when the computer instructions are executed by a processor, the method steps described in any one of claims 1-4 are implemented.

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