CN113450210A - Balance layered settlement data processing method and device - Google Patents
Balance layered settlement data processing method and device Download PDFInfo
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Abstract
The invention discloses a balance layered settlement data processing method and device, relating to the technical field of big data, wherein the method comprises the following steps: acquiring current contract information and current account balance data of a user at the end of a day; determining a layered message-charging mode of a user according to the current contract information; determining current interest rate data according to a hierarchical interest rate mode of a user, current account balance data and a pre-established hierarchical relationship between the account balance data and an interest rate value; and determining the interest increment data of the day and the interest data ending to the day according to the account balance data and the current interest rate data. The invention can realize flexible processing of the settlement data, improves the user experience and enables the bank and the user to achieve the win-win purpose.
Description
Technical Field
The invention relates to the technical field of big data, in particular to a balance layered settlement data processing method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In a bank system, interest rate and interest calculation aiming at an account are continuously enriched along with the expansion of business, and the original ordinary current or regular account cannot meet the changing requirements of customers, for example, the ordinary current interest rate is low and cannot meet the requirements of investment of the customers; although the interest rate is increased at ordinary regular intervals, the customers cannot deposit and withdraw money in real time according to the demands of the customers, and the method has great limitation. In addition, the internet current fund management service products such as various balance treasures, change currency and the like appear successively, and banks face a great challenge.
Disclosure of Invention
The embodiment of the invention provides a balance layered interest counting data processing method, which is used for flexibly processing the interest counting data and comprises the following steps:
acquiring current contract information and current account balance data of a user at the end of a day;
determining a layered message-charging mode of a user according to the current contract information;
determining current interest rate data according to a hierarchical interest rate mode of a user, current account balance data and a pre-established hierarchical relationship between the account balance data and an interest rate value;
and determining the interest increment data of the day and the interest data ending to the day according to the account balance data and the current interest rate data.
An embodiment of the present invention further provides a balance-layered interest data processing apparatus, configured to flexibly perform interest data processing, where the apparatus includes:
the acquiring unit is used for acquiring current contract information and current account balance data of the user at the end of a day;
the layered interest-bearing mode determining unit is used for determining the layered interest-bearing mode of the user according to the current contract information;
the interest rate determining unit is used for determining current interest rate data according to the hierarchical interest mode of the user, the current account balance data and the pre-established hierarchical relationship between the account balance data and the interest rate value;
and the processing unit is used for determining the interest increment data of the current day and the interest data ending to the current day according to the account balance data and the current interest rate data.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the balance layered settlement data processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the balance-layered settlement data processing method is stored in the computer-readable storage medium.
In the embodiment of the invention, compared with the technical scheme that the balance is accumulated by a current account or a regular account and is not flexible in the prior art, the balance layered accumulation data processing scheme comprises the following steps: acquiring current contract information and current account balance data of a user at the end of a day; determining a layered message-charging mode of a user according to the current contract information; determining current interest rate data according to a hierarchical interest rate mode of a user, current account balance data and a pre-established hierarchical relationship between the account balance data and an interest rate value; according to the account balance data and the current interest rate data, the interest increment data of the day and the interest data ending to the day are determined, the flexible interest data processing can be realized, the user experience is improved, and the bank and the user achieve the win-win purpose.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic flow chart illustrating a balance-layered settlement data processing method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a balance-layered balance settlement data processing method according to another embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating a balance-layered balance settlement data processing method according to another embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an apparatus for processing balance-layered settlement data according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Before describing the embodiments of the present invention, terms related to the embodiments of the present invention will be described.
1. And (3) rest: the bank core system calculates the interest increment of the day according to certain rules and the balance in the account of the client and the corresponding interest rate at the end of each day aiming at the deposit account opened by the client in the row, and the interest due up to the day is the original interest due plus the interest increment of the day.
2. And (3) bearing: and (3) on a fixed date (20 days of the last month of each quarter, which is called a rest day), settling the interest after daily interest accumulation from the second day of the last rest day to the current date into the principal of the customer.
3. Contract: the customer selects a special interest rule signed on the account according to the self requirement, and the account interest calculation rule is calculated according to a contract appointed mode between contract effective days and contract ineffective days.
4. Deposit basic interest rate: the annual interest rate of the deposit account interest set by the Chinese people's bank.
5. Interest rate plus-minus points: and (3) adding and subtracting points on the basis of the deposit basic interest rate, wherein if the deposit basic interest rate is 0.3 and the interest rate adding and subtracting points are 0.1, the final interest rate value is 0.3+0.1 which is 0.4.
6. Percentage interest: if the adjustment percentage value on the basis of the deposit basic interest rate is 0.3 and the interest rate percentage is 10%, the final interest rate value is 0.3 x (1+ 10%), which is 0.33.
7. Bargained interest rate: the customer and the bank negotiate a determined interest rate value.
8. Balance layering contract: a special account contract is divided into a plurality of levels according to the amount of money, each level is set with a corresponding bargained interest rate/interest rate percentage/interest rate plus-minus point, and the daily interest rule is that the level to which the account belongs is determined according to the balance of the current customer account, so that the corresponding interest rate of the current level is obtained, and the interest rate is used for interest calculation. The excess layering means that the part of the money exceeding a certain level and the money lower than the higher level uses the interest rate of the level to calculate interest; the full-amount stratification is to complete the confirmation of the tier using all the amounts and to calculate interest using the interest rate of the tier for all the amounts.
Although the existing current account supports the random access and random access of the client, the existing current account does not support interest calculation for flexibly determining the interest rate based on the account balance, namely the interest rate of the account is determined, and the interest rate of the account is low, so that the requirement of the client cannot be met.
Although the interest rate of interest of the existing regular account can be determined according to the balance of the customer, the demand of the customer on-demand and on-demand storage cannot be met, and once the customer is promoted to promote or settle, the interest can be paid according to the interest rate of the current period.
The above scheme has the following problems:
1) the flexibility is lower, and the existing interest calculation mode can not support the client to obtain a higher interest rate on the basis of random access and random access, thereby meeting the investment requirement of the client.
2) The individual requirements of customers cannot be met, the existing interest rate cannot be adjusted according to the daily end balance of the account, and more deposits and funds cannot be attracted.
Therefore, the inventor provides a balance layered settlement data processing scheme, which is a special contract which not only meets the requirement of depositing and withdrawing money at any time of a client, but also can be used for calculating interest rate in a personalized manner according to account balance. The special contract needs to consider the following problems:
1) on the basis of ensuring that the customers can deposit and withdraw money at any time, the customers can obtain interest rate higher than the ordinary life: the daily interest increment may be calculated based on the customer's daily end-of-day account balance.
2) How to attract more customers to deposit more funds into the bank: a variety of balance-based hierarchical modes need to be set to meet more demands of customers.
3) How to change the customer requirements does not need the special interest-bearing mode or hopes the special interest-bearing mode to continue, and the cancellation or extension can be flexibly carried out.
The solution provided by the embodiment of the invention is designed according to the following principle:
1) and (3) layered interest of money: setting multiple levels of money and setting corresponding interest rate plus-minus points/percentages/bargained interest rate values at different levels. And at the end of each day, the interest increment calculation is completed according to the interest rate corresponding to the level to which the amount of the customer belongs.
2) The hierarchical mode is various: the tier matching can be done in a full or excess manner and the interest rate of the corresponding tier is obtained to calculate the daily interest increment.
3) The contract is flexibly changed: the client is allowed to cancel/prolong the contract signed by the account at any time according to the self requirement. After canceling, the interest in the contract validity period is settled, and meanwhile, the interest on the day is calculated according to a new interest-counting rule; after the contract is extended or re-contracted, interest calculation is still performed according to the interest calculation mode specified by the contract.
The balance-layered balance settlement data processing scheme is described in detail below.
Fig. 1 is a schematic flow chart of a balance-layered interest data processing method in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: acquiring current contract information and current account balance data of a user at the end of a day;
step 102: determining a layered message-charging mode of a user according to the current contract information;
step 103: determining current interest rate data according to a hierarchical interest rate mode of a user, current account balance data and a pre-established hierarchical relationship between the account balance data and an interest rate value;
step 104: and determining the interest increment data of the day and the interest data ending to the day according to the account balance data and the current interest rate data.
The balance layered interest counting data processing method provided by the embodiment of the invention can realize flexible interest counting data processing, improves user experience and enables a bank and a user to achieve the win-win purpose. The following describes in detail the respective steps involved in the balance-layered settlement data processing method.
First, a preparation step of the embodiment of the present invention is described, and a contract processing step is performed in advance.
Contract change: the daily client can complete the contract signing and the contract clearing of the contract information according to self requirements.
For the contract, from the contract effective date to the contract failure date, the interest calculation is completed according to the interest calculation mode specified by the contract; and (3) signing the contract simultaneously, namely confirming that the contract is in an excess interest mode or a full interest mode, and confirming how to stratify, the effective period of the contract and the interest rate (plus or minus point or percentage or bargained interest rate) of each layer.
The contract details are shown in table 1 below:
TABLE 1
In specific implementation, for the contract-release contract, no interest is calculated in the interest calculation mode specified by the contract from the next day.
As can be seen from the above, in one embodiment, the current contract information includes: the hierarchical interest mode, the contract effective period and the hierarchical relation between the account balance data and the interest rate value.
In specific implementation, the contract change processing can mean that the contract can be validated and invalidated according to the real-time requirements of the clients in the whole day.
Next, the above step 101 is described.
In specific implementation, the current contract information (the contract which is signed or changed in advance by the client) and the current account balance data of the user are acquired at the end of the day.
Third, next, the above step 102 is introduced.
In one embodiment, as shown in fig. 2, determining a hierarchical information-recording manner of a user according to current contract information may include step 1021: and determining the layered interest bearing mode of the user to be an excess interest bearing mode or a full interest bearing mode according to the current contract information.
In specific implementation, the excess layering means that the part of the money exceeding a certain level and the money lower than a higher level uses the interest rate of the level to calculate interest; the full-amount stratification is to complete the confirmation of the tier using all the amounts and to calculate interest using the interest rate of the tier for all the amounts. See the description of the examples below for details.
Fourth, next, for ease of understanding, the above step 103 and step 104 are described together.
1. First, the above step 103, i.e. the step of acquiring the final daily interest rate, is introduced:
and acquiring the interest rate required to be calculated correspondingly at the end of the day according to the current contract information and the account balance of the customer, namely acquiring the interest rate required by the account for calculating the interest on the day based on the account balance and the account contract at the end of the day.
1-1) for the excess layered interest-bearing mode (for simplicity, add-subtract points are taken as examples, the benchmark daily interest rate is R), if the balance of the customer account is B, the current contract is in the validity period, and the contract layered information is:
the i-th level has a monetary level [ Bimin, Bimax) and a interest value Ii, where B1min is 0 and B (i-1) max is Bimin.
If B falls on the k-th layer:
the value of the part of the money between B1min and B1max is R + I1;
the value of the part of the money between B2min and B2max is R + I2;
……
the value of the portion interest between Bkmin-B is R + Ik.
As can be seen from the above, in an embodiment, as shown in fig. 3, determining the current interest rate data according to the hierarchical interest rate manner and the current account balance data of the user, and the pre-established hierarchical relationship between the account balance data and the interest rate value may include step 1031:
if the layered interest-bearing mode of the user is an excess interest-bearing mode, acquiring the corresponding level of the current account balance data and all the interest rate data before the level from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest-bearing rate data; the all interest rate data includes: threshold data and interest rate data corresponding to each level of the level corresponding to the balance data of the current account and the level before the level.
1-2) for the full-amount layered interest-bearing mode (for simplicity, the benchmark daily interest rate is R in percentage for example), if the balance of the customer account is B, the current contract is in the validity period, and the contract layered information is:
the i-th level has a money level [ Bimin, Bimax ] and a profit value Pi, where B1min is 0 and B (i-1) max is Bimin.
If B falls on the kth level, the fractional profit value between 0 and B is R x (1+ Pi/100).
As can be seen from the above description, in an embodiment, as shown in fig. 3, determining the current interest rate data according to the hierarchical interest rate manner and the current account balance data of the user, and the pre-established hierarchical relationship between the account balance data and the interest rate value may include step 1032:
if the layered interest bearing mode of the user is a full-amount interest bearing mode, obtaining the interest rate value data of the corresponding level of the current account balance data from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest rate data.
In particular, the pre-established hierarchy between the account balance data and the interest rate value may be as shown in the contract hierarchy information in table 1 above, or as shown in the hierarchy row in table 2 below.
2. Next, the above-described step 104, i.e., interest increment and interest calculation, is introduced.
And calculating the interest increment of the current day and the interest of the current day, namely finishing the interest increment calculation and interest accumulation of the current day of the account and automatically and flexibly calculating the interest increment and the interest of the account.
2-1) for the example in 1-1), the interest increment is calculated as:
(B1max-B1min)×(R+I1)+(B2max-B2min)×(R+I2)+……+(B-Bkmin)×(R+Ik)；
interest by day-original + interest increment by day.
2-2) for the example in 1-2), the interest increment is calculated as:
B×R×(1+Pi/100)；
interest by day-original + interest increment by day.
To facilitate an understanding of how the invention may be practiced, an example will now be described.
The following is illustrated with an amount of 10000 (interest rate of each tier is the daily interest rate after having been calculated by the base interest rate and the plus and minus points/percentage/bargained interest rate, i.e. the interest rate value can be pre-calculated by the base interest rate, the plus and minus points/percentage/bargained interest rate):
TABLE 2
To sum up, the balance layered settlement data processing method provided by the embodiment of the present invention realizes:
1) diversity of contract tiers: the client can select a layering mode, a layering amount and a layering interest rate which meet the investment requirement of the client based on the condition of the client, and the client requirement is flexibly met to the maximum extent.
2) Flexibility and personalization of interest calculation: the interest rate can be flexibly selected based on the change of the account fund of the customer, the interest calculation is completed, and the profit is created for the customer to the maximum extent.
The embodiment of the invention also provides a balance layered settlement data processing device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the balance layered settlement data processing method, the implementation of the device can refer to the implementation of the balance layered settlement data processing method, and repeated parts are not described again.
Fig. 4 is a schematic structural diagram of an apparatus for processing balance-layered balance settlement data according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
the acquiring unit 01 is used for acquiring current contract information and current account balance data of a user at the end of a day;
a layered interest mode determining unit 02, configured to determine a layered interest mode of the user according to the current contract information;
the interest rate determining unit 03 is configured to determine current interest rate data according to a hierarchical interest rate mode of the user, current account balance data, and a pre-established hierarchical relationship between the account balance data and an interest rate value;
and the processing unit 04 is used for determining the interest increment data of the current day and the interest data ending to the current day according to the account balance data and the current interest rate data.
In specific implementation, the balance layered interest data processing device may also be referred to as a balance layered interest model.
In one embodiment, the hierarchical interest bearing manner determining unit is specifically configured to: and determining the layered interest bearing mode of the user to be an excess interest bearing mode or a full interest bearing mode according to the current contract information.
In one embodiment, the current contract information includes: the hierarchical interest mode, the contract effective period and the hierarchical relation between the account balance data and the interest rate value.
In one embodiment, the interest rate determination unit is specifically configured to:
if the layered interest-bearing mode of the user is an excess interest-bearing mode, acquiring the corresponding level of the current account balance data and all the interest rate data before the level from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest-bearing rate data; the all interest rate data includes: threshold data and interest rate data corresponding to each level of the level corresponding to the balance data of the current account and the level before the level.
In one embodiment, the interest rate determination unit is specifically configured to:
if the layered interest bearing mode of the user is a full-amount interest bearing mode, obtaining the interest rate value data of the corresponding level of the current account balance data from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest rate data.
An embodiment of the present invention further provides a computer device, as shown in fig. 5, which includes a memory 302, a processor 304, and a computer program stored on the memory and capable of running on the processor, where the processor implements the balance layered balance settlement data processing method when executing the computer program.
In particular, the computer device may be a computer terminal, a server or a similar computing device.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above arbitrary balance-layered settlement data processing method is stored in the computer-readable storage medium.
In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
The balance layered settlement data processing scheme provided by the embodiment of the invention has the beneficial technical effects that:
1) the interest rate of the account interest of the customer is no longer a fixed interest rate, and can be adjusted along with the final daily balance of the account of the customer every day, so that the customer can be better served, and the enthusiasm of the customer on bank investment is improved.
2) The balance layering mode is diversified, the layering mode, how the hierarchies are divided, and the interest rate type and the interest rate value corresponding to each hierarchy can all realize diversified configuration, so that the interest counting mode is more flexible and variable.
In summary, the balance layered interest-bearing data processing scheme provided by the embodiment of the invention can realize flexible interest-bearing data processing, improve user experience, and enable a bank and a user to achieve the win-win purpose.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A balance layered interest-bearing data processing method is characterized by comprising the following steps:
acquiring current contract information and current account balance data of a user at the end of a day;
determining a layered message-charging mode of a user according to the current contract information;
determining current interest rate data according to a hierarchical interest rate mode of a user, current account balance data and a pre-established hierarchical relationship between the account balance data and an interest rate value;
and determining the interest increment data of the day and the interest data ending to the day according to the account balance data and the current interest rate data.
2. The balance-layered interest-bearing data processing method according to claim 1, wherein determining a layered interest-bearing mode of the user according to the current contract information comprises: and determining the layered interest bearing mode of the user to be an excess interest bearing mode or a full interest bearing mode according to the current contract information.
3. The balance-layered settlement information data processing method according to claim 1, wherein the current contract information includes: the hierarchical interest mode, the contract effective period and the hierarchical relation between the account balance data and the interest rate value.
4. The balance-layered interest bearing data processing method according to claim 1, wherein determining the current interest bearing rate data according to the user's layered interest bearing manner, the current account balance data, and a pre-established hierarchical relationship between the account balance data and the interest rate value comprises:
if the layered interest-bearing mode of the user is an excess interest-bearing mode, acquiring the corresponding level of the current account balance data and all the interest rate data before the level from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest-bearing rate data; the all interest rate data includes: threshold data and interest rate data corresponding to each level of the level corresponding to the balance data of the current account and the level before the level.
5. The balance-layered interest bearing data processing method according to claim 1, wherein determining the current interest bearing rate data according to the user's layered interest bearing manner, the current account balance data, and a pre-established hierarchical relationship between the account balance data and the interest rate value comprises:
if the layered interest bearing mode of the user is a full-amount interest bearing mode, obtaining the interest rate value data of the corresponding level of the current account balance data from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest rate data.
6. A balance layered interest-bearing data processing device is characterized by comprising:
the acquiring unit is used for acquiring current contract information and current account balance data of the user at the end of a day;
the layered interest-bearing mode determining unit is used for determining the layered interest-bearing mode of the user according to the current contract information;
the interest rate determining unit is used for determining current interest rate data according to the hierarchical interest mode of the user, the current account balance data and the pre-established hierarchical relationship between the account balance data and the interest rate value;
and the processing unit is used for determining the interest increment data of the current day and the interest data ending to the current day according to the account balance data and the current interest rate data.
7. The balance-layered interest bearing data processing apparatus according to claim 6, wherein the layered interest bearing manner determining unit is specifically configured to: and determining the layered interest bearing mode of the user to be an excess interest bearing mode or a full interest bearing mode according to the current contract information.
8. The balance-layered settlement information data processing apparatus according to claim 6, wherein the current contract information includes: the hierarchical interest mode, the contract effective period and the hierarchical relation between the account balance data and the interest rate value.
9. The balance-layered interest bearing data processing apparatus according to claim 6, wherein the interest bearing rate determining unit is specifically configured to:
if the layered interest-bearing mode of the user is an excess interest-bearing mode, acquiring the corresponding level of the current account balance data and all the interest rate data before the level from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest-bearing rate data; the all interest rate data includes: threshold data and interest rate data corresponding to each level of the level corresponding to the balance data of the current account and the level before the level.
10. The balance-layered interest bearing data processing apparatus according to claim 6, wherein the interest bearing rate determining unit is specifically configured to:
if the layered interest bearing mode of the user is a full-amount interest bearing mode, obtaining the interest rate value data of the corresponding level of the current account balance data from the pre-established hierarchical relationship between the account balance data and the interest rate value as the current interest rate data.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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|---|---|---|---|---|
| CN114240631A (en) * | 2021-12-21 | 2022-03-25 | 中国建设银行股份有限公司 | Interest processing method and device, electronic equipment and computer readable medium |
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