CN117474651A - Service data processing method, device, equipment and storage medium - Google Patents

Service data processing method, device, equipment and storage medium Download PDF

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Publication number
CN117474651A
CN117474651A CN202311325214.1A CN202311325214A CN117474651A CN 117474651 A CN117474651 A CN 117474651A CN 202311325214 A CN202311325214 A CN 202311325214A CN 117474651 A CN117474651 A CN 117474651A
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Prior art keywords
interest
service data
period
rule
original
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杨雄辉
王苑
梁之刚
杜伟森
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Yuanguang Software Co Ltd
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Yuanguang Software Co Ltd
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Priority to CN202311325214.1A priority Critical patent/CN117474651A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

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Abstract

The application belongs to the field of data processing, and relates to a service data processing method, which comprises the steps of obtaining original service data to be processed and a service processing rule corresponding to the original service data; performing first service processing on the original service data according to the service processing rule to obtain a first service processing result; identifying whether the original service data triggers an update condition; if the original service data trigger the updating condition, updating the setting-up period of the original service data based on the first service processing result to obtain a target setting-up period; performing second service processing on the original service data according to the target settlement period to obtain a target service processing result; and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result. The application also provides a business data processing device, computer equipment and a storage medium. The method and the device can improve the accuracy of service data processing.

Description

Service data processing method, device, equipment and storage medium
Technical Field
The present invention relates to the field of data processing, and in particular, to a method, an apparatus, a device, and a storage medium for processing service data.
Background
The conventional business data processing method is based on the business data processing of the conventional settlement period of the common business (including the period of settlement once every N months from the date of contract or once until the date of payment end, etc. by month, quarter, half year, year specified date).
However, in this method, because the actual business has an irregular interest scene, i.e. the interval of the interest period is not fixed, and the interest day needs to be delayed when meeting the weekend or holiday, if the business data processing method of the conventional interest period is used, the interest meter data and the interest payment data in the separate period are inaccurate, and the real interest fee, the active cash flow or the financial evidence cannot be correctly reflected, so that the accuracy of the business data processing is low.
Disclosure of Invention
The invention provides a service data processing method, a device, equipment and a storage medium, and mainly aims to improve the accuracy of service data processing.
In order to solve the above technical problems, the embodiments of the present application provide a service data processing method, which adopts the following technical schemes:
acquiring original service data to be processed and a service processing rule corresponding to the original service data;
Performing first service processing on the original service data according to the service processing rule to obtain a first service processing result;
identifying whether the original service data triggers an update condition;
if the original service data trigger an updating condition, updating the setting-up period of the original service data based on the first service processing result to obtain a target setting-up period;
performing second service processing on the original service data according to the target settlement period to obtain a target service processing result;
and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result.
Further, the performing a first service processing on the original service data according to the service processing rule to obtain a first service processing result, including:
if the service processing rule is a specified interval interest rule, acquiring a first segment interest period of the original service data according to the specified interval interest rule, calculating a segment interest result corresponding to each segment interest period of the first segment interest period, and integrating the segment interest results to obtain a first service processing result;
If the business processing rule is a specified date settlement rule, acquiring a specified settlement amount, a settlement number and principal corresponding to the original business data according to the specified date settlement rule, calculating a settlement interest based on the settlement number, the settlement number and the principal, and processing a first business processing result corresponding to the original business data according to the specified settlement amount and the settlement business data;
and if the business processing rule is a holiday interest rule, acquiring interest of interest corresponding to the original business data, holiday days and holiday interest generated during the holiday according to the holiday interest rule, superposing the interest of interest and the holiday interest to obtain a target interest of interest, and taking the target interest of interest as the first business processing result.
Further, the identifying whether the original service data triggers an update condition includes:
identifying whether the original service data is in a locking state;
when the original service data is in the locking state, determining that the original service data does not trigger the updating condition;
when the original service data is not in the locking state, judging whether a settlement period or interest rate corresponding to the original service data is changed or not;
When the settlement period or interest rate corresponding to the original service data changes, determining that the original service data triggers the updating condition;
and when the settlement period or interest rate corresponding to the original service data is not changed, determining that the original service data does not trigger the updating condition.
Further, the acquiring the service processing rule includes:
acquiring the service type of the original service data;
defining a specified interval settlement rule, a specified date settlement rule and a holiday settlement rule according to the service type, and taking the specified interval settlement rule, the specified date settlement rule and the holiday settlement rule as the service processing rule.
Further, the updating the interest period of the original service data based on the first service processing result to obtain a target interest period includes:
acquiring an update instruction carrying update of the information accumulation period data, and determining the start and stop date, the end date and the stage interval of an uninterruption period in the original service data based on the update instruction and the first service processing result;
and updating the rest period of the non-rest period in the original service data according to the start-stop date, the end date and the period interval to obtain the target rest period.
Further, the second service processing is performed on the original service data according to the target interest period to obtain a target service processing result, including:
acquiring non-interest principal in the original service data, and calculating target interest of the non-interest principal in each period of the target interest period;
if the non-interest-bearing interest of the non-interest principal exists, stacking the target interest bearing interest of each period, and when the target interest bearing interest of each period is equal to the non-interest-bearing interest, taking the stacked target interest bearing interest of each period as the target service processing result.
In order to solve the above technical problems, the embodiments of the present application further provide a service data processing device, which adopts the following technical schemes:
the acquisition module is used for acquiring the original service data to be processed and the service processing rule corresponding to the original service data;
the first business data processing module is used for carrying out first business processing on the original business data according to the business processing rules to obtain a first business processing result;
the identification module is used for identifying whether the original service data trigger an update condition;
The period determining module is used for updating the settlement period of the original service data based on the first service processing result if the original service data triggers an updating condition, so as to obtain a target settlement period; and
The second business data processing module is used for carrying out second business processing on the original business data according to the target interest period to obtain a target business processing result; and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result.
In order to solve the above technical problems, the embodiments of the present application further provide a computer device, which adopts the following technical schemes:
a memory storing at least one computer program; and
And the processor executes the computer program stored in the memory to realize the business data processing.
In order to solve the above technical problems, embodiments of the present application further provide a computer readable storage medium, which adopts the following technical solutions:
the computer readable storage medium has stored therein at least one computer program that is executed by a processor in an electronic device to perform the business data processing described above.
Compared with the prior art, the application has the following main beneficial effects:
in the embodiment of the application, after the original service data and the service processing rule are acquired, first service processing is performed on the original service data according to the service processing rule to obtain a first service processing result, so that when an irregular interest scene exists in the actual service, the problem of irregular interest is overcome through the service processing rule, and the accuracy of service data processing is improved; secondly, by identifying whether the original service data triggers an update condition, interest can be updated as required, and the flexibility of service data processing is improved; and finally, when the updating condition is triggered by the original service data, determining a target interest period of the original service data based on the first service processing result, and performing second service processing on the original service data according to the target interest period to obtain a target service processing result, so that interest calculation in a segmentation period can be realized, real interest cost is reflected, and the accuracy of service data processing is improved. Therefore, the method, the device, the equipment and the storage medium for processing the service data can improve the accuracy of processing the service data.
Drawings
For a clearer description of the solution in the present application, a brief description will be given below of the drawings that are needed in the description of the embodiments of the present application, it being obvious that the drawings in the following description are some embodiments of the present application, and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.
FIG. 1 is an exemplary system architecture diagram in which the present application may be applied;
FIG. 2 is a flow chart of one embodiment of a business data processing method according to the present application;
FIG. 3 is a block diagram of one embodiment of a fabric side in a business data processing system according to the present application;
FIG. 4 is a schematic structural diagram of one embodiment of a computer device according to the present application.
Detailed Description
The method for determining a data format provided in the embodiments of the present invention is applied to a data processing system, and all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application pertains unless defined otherwise; the terminology used in the description of the applications herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "comprising" and "having" and any variations thereof in the description and claims of the present application and in the description of the figures above are intended to cover non-exclusive inclusions. The terms first, second and the like in the description and in the claims or in the above-described figures, are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.
In order to better understand the technical solutions of the present application, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings.
As shown in fig. 1, a system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as a web browser application, a shopping class application, a search class application, an instant messaging tool, a mailbox client, social networking platform software, etc., may be installed on the terminal devices 101, 102, 103.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, electronic book readers, MP3 players (Moving Picture Experts Group Audio Layer III, dynamic video expert compression standard audio plane 3), MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video expert compression standard audio plane 4) players, laptop and desktop computers, and the like.
The server 105 may be a server providing various services, such as a background server providing support for pages displayed on the terminal devices 101, 102, 103.
It should be noted that, the service data processing method provided in the embodiment of the present application is generally executed by a server/terminal device, and accordingly, the service data processing system is generally disposed in the server/terminal device.
It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
With continued reference to fig. 2, a flow chart of one embodiment of a business data processing method according to the present application is shown. The service data processing method comprises the following steps:
S210, acquiring original service data to be processed and a service processing rule corresponding to the original service data.
In this embodiment of the present application, the original service data is related interest data determined based on a service scenario, and may include principal to be interest, interest rate, number of days to count interest, amount of interest, and the like.
In this embodiment of the present application, the service processing rule is an interest calculation rule set for an irregular interest scene, and may include a specified interval interest calculation rule, a specified date interest calculation rule, a holiday interest calculation rule, and the like.
As an embodiment of the present application, the acquiring a service processing rule includes:
acquiring the service type of the original service data;
defining a specified interval settlement rule, a specified date settlement rule and a holiday settlement rule according to the service type, and taking the specified interval settlement rule, the specified date settlement rule and the holiday settlement rule as the service processing rule.
The business types comprise a specified interval business data type, a specified date business data type and a holiday business data type, each business data type is determined based on business scenes, the specified interval business data type corresponds to a corresponding specified interval settlement rule, the specified date business data type corresponds to a corresponding specified date settlement rule and the holiday business data type corresponds to a corresponding holiday settlement rule.
In an embodiment of the present application, the specified interval interest rule is a rule determined based on a business scenario in which the interval period of interest is not fixed, for example, first interest is paid at intervals of 5 months from the withdrawal month, and later interest is paid at intervals of 21 numbers of 6 months, that is, actually, interest is paid at intervals of 21 numbers which can be regarded as 5 months and 11 months; the specified date settlement rules are determined based on business scenes of settlement of specified date from the time of payment of the principal to be settled, for example, 29 th settlement which is specified to the time interval of two months after payment; the holiday interest rule is determined based on a business scene that a bank encounters a weekend or a holiday is forward or has special requirements, and interest during the holiday needs to be normally calculated.
In the embodiment of the application, the specified interval interest rule, the specified date interest rule and the holiday interest rule are defined according to the service type, so that accurate interest calculation can be still performed in the follow-up irregular interest scene, the interest calculation accuracy is improved, and the service data processing accuracy is improved.
S220, performing first service processing on the original service data according to the service processing rule to obtain a first service processing result.
In this embodiment of the present application, the first service processing result may be an interest calculation result of performing interest calculation with respect to the original service data.
As an embodiment of the present application, performing a first service process on the original service data according to the service processing rule to obtain a first service processing result, including:
if the service processing rule is a specified interval interest rule, acquiring a first segment interest period of the original service data according to the specified interval interest rule, calculating a segment interest result corresponding to each segment interest period of the first segment interest period, and integrating the segment interest results to obtain a first service processing result;
if the business processing rule is a specified date settlement rule, acquiring a specified settlement amount, a settlement number and principal corresponding to the original business data according to the specified date settlement rule, calculating a settlement interest based on the settlement number, the settlement number and the principal, and calculating a first business processing result corresponding to the original business data according to the specified settlement amount and the settlement interest;
and if the business processing rule is a holiday interest rule, acquiring interest of interest corresponding to the original business data, holiday days and holiday interest generated during the holiday according to the holiday interest rule, superposing the interest of interest and the holiday interest to obtain a target interest of interest, and taking the target interest of interest as the first business processing result.
For the original service data triggering the specified interval interest rule, determining a first segment interest period by receiving an interest day interval input by a user at an irregular interest front end interface, wherein the first segment interest period can be an interest period of 2, 4, 5 and 7 months, and calculating the interest of the original service data based on an interest calculation formula of the interest period days of the annual interest rate/interest base (365/366) to be attributed, so as to obtain a segment period interest corresponding to each segment interest period, and combining segment period interest corresponding to each first segment interest period to obtain a final interest calculation result, namely a first service processing result.
In one embodiment of the present application, for original service data triggered by a specified date interest rule, a specified interest amount, a specified interest number and a principal are obtained by receiving a specified interest date input by a user at an irregular front-end interface, a principal-to-principal interest calculation formula based on principal annual interest rate/interest number (365/366) and a specified interest number is determined, and a interest value of a specified interest amount-to-interest period is calculated, so as to use the principal interest as a final interest calculation result.
Further, in the embodiment of the present application, for the original service data triggering the holiday interest rule, the delayed holiday interest days are obtained, and the holiday interest generated during the holiday period is calculated according to the principal annual interest rate/interest base number (365/366) and the delayed interest day interest calculation formula, and the original interest and the holiday interest are superimposed, so that a final interest calculation result can be obtained.
Acquiring interest of holidays, day of holidays corresponding to the original business data according to the holiday interest rule, and superposing the interest and the holiday interest to obtain a target interest, and taking the target interest as the first business processing result.
Specifically, a settlement scenario triggering a settlement rule of a specified date negotiates with a bank for an enterprise by 100W, and every month agrees to return 500 interest first, and to supplement all interest to the twelfth month, in order to ensure the accuracy of financial accounts of the enterprise, the interest of each month is subjected to interest meter extraction, namely interest meter extraction is determined according to the principal annual interest rate/settlement base (365/366) and the accounting day, so that the final accounting extraction interest = payment data.
For example, there is a contract a for a year 100W for borrowing by business B with banks, the annual interest rate is 4%, business B negotiates with banks that each month pays 500 first, and pays up and unifies settlement interest, then the daily interest rate=principal annual interest rate/settlement base (365/366) ×number of days of interest=100w×4%/365×31× 3397.26; holiday interest in february = principal annual interest rate/number of interest groups (365/366) × number of days of interest
=100w4%/365×28≡ 3368.49; total interest to pay is calculated until the end of twelve months = cumulative 12 months-500 x 11 (500 amount paid per month for the first 11 months).
In the embodiment of the application, based on different business processing rules, if the specified interval interest rule, the specified date interest rule and the holiday interest rule are triggered, interest calculation corresponding to different business processing rules is calculated respectively, the interval of the early interest period is not fixed, and when the interest day needs to be delayed on weekends or holidays, corresponding interest calculation modes exist, so that the interest calculation accuracy is improved, the interest calculation requirements of users for different irregular scenes are met, and the experience degree of the users is also improved.
S230, identifying whether the original business data triggers an update condition.
In this embodiment of the present application, the update condition may be whether a "lock" button of the irregular interest front end interface is triggered by a user, and if the "lock" button is triggered by the user, it indicates that the original service data is locked and cannot be edited or changed, that is, the update condition is not triggered; if the user does not trigger the "lock" button, it is necessary to further determine whether the post-settlement or interest rate in the original service data has changed, and then determine whether to trigger the update condition.
As an embodiment of the present application, the identifying whether the original service data triggers an update condition includes:
identifying whether the original service data is in a locking state;
when the original service data is in the locking state, determining that the original service data does not trigger the updating condition;
when the original service data is not in the locking state, judging whether a settlement period or interest rate corresponding to the original service data is changed or not;
when the settlement period or interest rate corresponding to the original service data changes, determining that the original service data triggers the updating condition;
and when the settlement period or interest rate corresponding to the original service data is not changed, determining that the original service data does not trigger the updating condition.
Wherein, the locking state refers to the original service data state after the user triggers the locking button.
In an embodiment of the present application, whether a settlement period or interest rate corresponding to original service data changes is determined, that is, whether the settlement period or interest rate is changed is determined, and when the settlement period or interest rate is changed, a trigger update condition of the original service data is determined; and if the calculation period or the interest rate is not monitored to be changed, determining that the original service data does not trigger an update condition.
And S240, if the original service data trigger an updating condition, updating the interest period of the original service data based on the first service processing result to obtain a target interest period.
In this embodiment of the present application, if the update condition is triggered by the original service data, it indicates that the original service data is changed, and it is necessary to redetermine a target interest period of the original service data, where the target interest period may be changed by receiving a user interest period window of an irregular interest front end interface, so that a target interest period with an interval of N (including 2, 4, 5, 7, and so on) may be obtained.
As an embodiment of the present application, the updating the interest period of the original service data based on the first service processing result to obtain a target interest period includes:
Acquiring an update instruction carrying update of the information accumulation period data, and determining the start and stop date, the end date and the stage interval of an uninterruption period in the original service data based on the update instruction and the first service processing result;
and updating the rest period of the non-rest period in the original service data according to the start-stop date, the end date and the period interval to obtain the target rest period.
The update instruction can be an update instruction of the interval data of the interest period, which is input by a user in the interest period window of the irregular interest front-end page.
For example, there is a year contract a of 100W borrowing by the business B and the bank, and each historical interest cycle has been determined based on the first business processing result, the interest cycle is the last day of the current month, and two months of interest have been paid, and since the update instruction to change the interest cycle to the payment of 2 months at the interval of the stage is received, the date of the start and stop of the non-interest is 3 months 1 day, the date of the end is 12 months 31 days, and the interval of the stage is 2 months, the non-interest cycle is updated according to the date of the start and stop, the date of the end, and the interval of the stage, and the target interest cycle is 4 months 30 days, 6 months 30 days, 8 months 31 days, 10 months 31 days, and 12 months 31 days.
S250, performing second service processing on the original service data according to the target interest period to obtain a target service processing result.
In this embodiment of the present application, the target service processing result is a interest calculation result determined after interest calculation is performed on the non-interest principal in the original service data based on the updated target interest period.
As an embodiment of the present application, the performing, according to the target interest period, the second service processing on the original service data to obtain a target service processing result includes:
acquiring non-interest principal in the original service data, and calculating target interest of the non-interest principal in each period of the target interest period;
if the non-interest-bearing interest of the non-interest principal exists, stacking the target interest bearing interest of each period, and when the target interest bearing interest of each period is equal to the non-interest-bearing interest, taking the stacked target interest bearing interest of each period as the target service processing result.
Wherein, the non-interest principal refers to the amount of money which is not paid in the original business data.
In an embodiment of the present application, after obtaining an uninteresting principal, determining, based on a target interest period, that the uninteresting principal triggers a specified interval interest rule, and performing interest calculation for each period on the uninteresting principal based on a principal annual interest rate/interest base (365/366) corresponding to the specified interval interest rule, and obtaining a target interest for each period.
And S260, if the original service data does not trigger an updating condition, taking the first service processing result as a target service processing result.
In this embodiment of the present application, if the original service data does not trigger the update condition, it indicates that the original service data performs interest calculation according to the original service processing rule, and the interest period does not change, and then the first service processing result is taken as the target service processing result.
For example, the first service processing result is that for the original service data triggered by the specified interval interest rule, interest calculation is performed on the original service data based on an interest calculation formula of annual interest rate/interest number (365/366) of interest period days of interest to be attributed, so as to obtain segment period interest corresponding to each segment interest period, and the segment period interest is combined, so that a final interest calculation result, namely the first service processing result is also the target service processing result.
Compared with the prior art, the embodiment of the application has the following main beneficial effects:
in the embodiment of the application, after the original service data and the service processing rule are acquired, first service processing is performed on the original service data according to the service processing rule to obtain a first service processing result, so that when an irregular interest scene exists in the actual service, the problem of irregular interest is overcome through the service processing rule, and the accuracy of service data processing is improved; secondly, by identifying whether the original service data triggers an update condition, interest can be updated as required, and the flexibility of service data processing is improved; and finally, when the updating condition is triggered by the original service data, determining a target interest period of the original service data based on the first service processing result, and performing second service processing on the original service data according to the target interest period to obtain a target service processing result, so that interest calculation in a segmentation period can be realized, real interest cost is reflected, and the accuracy of service data processing is improved. Therefore, the business data processing method provided by the embodiment of the invention can improve the accuracy of business data processing.
Those skilled in the art will appreciate that implementing all or part of the above-described methods in accordance with the embodiments may be accomplished by way of a computer program stored in a computer-readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. The storage medium may be a nonvolatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a random access Memory (Random Access Memory, RAM).
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the flowcharts of the figures may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order of their execution not necessarily being sequential, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.
With further reference to fig. 3, as an implementation of the method shown in fig. 2, the present application provides an embodiment of a service data processing apparatus 310, where an embodiment of the apparatus corresponds to the embodiment of the method shown in fig. 2, and the apparatus may be specifically applied to various electronic devices.
The embodiment of the invention provides a service data processing system, which comprises;
an obtaining module 311, configured to obtain original service data to be processed and a service processing rule corresponding to the original service data;
a first service data processing module 312, configured to perform a first service process on the original service data according to the service processing rule, to obtain a first service processing result;
an identifying module 313, configured to identify whether the original service data triggers an update condition;
the period determining module 314 is configured to update the interest period of the original service data based on the first service processing result if the update condition is triggered by the original service data, so as to obtain a target interest period; and
A second service data processing module 315, configured to perform a second service process on the original service data according to the target interest period, so as to obtain a target service processing result; and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result.
In the embodiment of the application, after the original service data and the service processing rule are acquired, first service processing is performed on the original service data according to the service processing rule to obtain a first service processing result, so that when an irregular interest scene exists in the actual service, the problem of irregular interest is overcome through the service processing rule, and the accuracy of service data processing is improved; secondly, by identifying whether the original service data triggers an update condition, interest can be updated as required, and the flexibility of service data processing is improved; and finally, when the updating condition is triggered by the original service data, determining a target interest period of the original service data based on the first service processing result, and performing second service processing on the original service data according to the target interest period to obtain a target service processing result, so that interest calculation in a segmentation period can be realized, real interest cost is reflected, and the accuracy of service data processing is improved. Therefore, the service data processing side device provided by the embodiment of the invention can improve the accuracy of service data processing.
In order to solve the technical problems, the embodiment of the application also provides computer equipment. Referring specifically to fig. 4, fig. 4 is a basic structural block diagram of a computer device according to the present embodiment.
The computer device 4 comprises a memory 41, a processor 42, a network interface 43 communicatively connected to each other via a system bus. It should be noted that only computer device 4 having components 41-43 is shown in the figures, but it should be understood that not all of the illustrated components are required to be implemented and that more or fewer components may be implemented instead. It will be appreciated by those skilled in the art that the computer device herein is a device capable of automatically performing numerical calculations and/or information processing in accordance with predetermined or stored instructions, the hardware of which includes, but is not limited to, microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASICs), programmable gate arrays (fields-Programmable Gate Array, FPGAs), digital processors (Digital Signal Processor, DSPs), embedded devices, etc.
The computer equipment can be a desktop computer, a notebook computer, a palm computer, a cloud server and other computing equipment. The computer equipment can perform man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch pad or voice control equipment and the like.
The memory 41 includes at least one type of readable storage medium including flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the storage 41 may be an internal storage unit of the computer device 4, such as a hard disk or a memory of the computer device 4. In other embodiments, the memory 41 may also be an external storage device of the computer device 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Card (Flash Card) or the like, which are provided on the computer device 4. Of course, the memory 41 may also comprise both an internal memory unit of the computer device 4 and an external memory device. In this embodiment, the memory 41 is typically used to store an operating system and various application software installed on the computer device 4, such as program codes of a service data processing method, and the like. Further, the memory 41 may be used to temporarily store various types of data that have been output or are to be output.
The processor 42 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 42 is typically used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is configured to execute the program code stored in the memory 41 or process data, for example, execute the program code of the service data processing method.
The network interface 43 may comprise a wireless network interface or a wired network interface, which network interface 43 is typically used for establishing a communication connection between the computer device 4 and other electronic devices.
The present application also provides another embodiment, namely, a computer-readable storage medium storing the service data processing method program, where the service data processing method program is executable by at least one processor, so that the at least one processor performs the steps of the service data processing method as described above.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general purpose hardware online platform, and of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.
The subject application is operational with numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
It is apparent that the embodiments described above are only some embodiments of the present application, but not all embodiments, the preferred embodiments of the present application are given in the drawings, but not limiting the patent scope of the present application. This application may be embodied in many different forms, but rather, embodiments are provided in order to provide a more thorough understanding of the present disclosure. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described in the foregoing, or equivalents may be substituted for elements thereof. All equivalent structures made by the specification and the drawings of the application are directly or indirectly applied to other related technical fields, and are also within the protection scope of the application.

Claims (10)

1. A method for processing service data, comprising the steps of:
acquiring original service data to be processed and a service processing rule corresponding to the original service data;
performing first service processing on the original service data according to the service processing rule to obtain a first service processing result;
identifying whether the original service data triggers an update condition;
if the original service data trigger an updating condition, updating the setting-up period of the original service data based on the first service processing result to obtain a target setting-up period;
performing second service processing on the original service data according to the target settlement period to obtain a target service processing result;
and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result.
2. The method for processing service data according to claim 1, wherein said performing a first service process on said original service data according to said service processing rule to obtain a first service processing result comprises:
if the service processing rule is a specified interval interest rule, acquiring a first segment interest period of the original service data according to the specified interval interest rule, calculating a segment interest result corresponding to each segment interest period of the first segment interest period, and integrating the segment interest results to obtain a first service processing result;
If the business processing rule is a specified date settlement rule, acquiring a specified settlement amount, a settlement number and principal corresponding to the original business data according to the specified date settlement rule, calculating a settlement interest based on the settlement number, the settlement number and the principal, and processing a first business processing result corresponding to the original business data according to the specified settlement amount and the settlement business data;
and if the business processing rule is a holiday interest rule, acquiring interest of interest corresponding to the original business data, holiday days and holiday interest generated during the holiday according to the holiday interest rule, superposing the interest of interest and the holiday interest to obtain a target interest of interest, and taking the target interest of interest as the first business processing result.
3. The service data processing method according to claim 1, wherein said identifying whether the original service data triggers an update condition comprises:
identifying whether the original service data is in a locking state;
when the original service data is in the locking state, determining that the original service data does not trigger the updating condition;
When the original service data is not in the locking state, judging whether a settlement period or interest rate corresponding to the original service data is changed or not;
when the settlement period or interest rate corresponding to the original service data changes, determining that the original service data triggers the updating condition;
and when the settlement period or interest rate corresponding to the original service data is not changed, determining that the original service data does not trigger the updating condition.
4. The service data processing method according to claim 1, wherein the acquiring the service processing rule includes:
acquiring the service type of the original service data;
defining a specified interval settlement rule, a specified date settlement rule and a holiday settlement rule according to the service type, and taking the specified interval settlement rule, the specified date settlement rule and the holiday settlement rule as the service processing rule.
5. The service data processing method according to any one of claims 1 to 4, wherein the updating the setting-up period of the original service data based on the first service processing result to obtain a target setting-up period includes:
Acquiring an update instruction carrying update of the information accumulation period data, and determining the start and stop date, the end date and the stage interval of an uninterruption period in the original service data based on the update instruction and the first service processing result;
and updating the rest period of the non-rest period in the original service data according to the start-stop date, the end date and the period interval to obtain the target rest period.
6. The service data processing method according to any one of claims 1 to 4, wherein the performing, according to the target interest period, the second service processing on the original service data to obtain a target service processing result includes:
acquiring non-interest principal in the original service data, and calculating target interest of the non-interest principal in each period of the target interest period;
if the non-interest-bearing interest of the non-interest principal exists, stacking the target interest bearing interest of each period, and when the target interest bearing interest of each period is equal to the non-interest-bearing interest, taking the stacked target interest bearing interest of each period as the target service processing result.
7. A traffic data processing apparatus, comprising:
The acquisition module is used for acquiring the original service data to be processed and the service processing rule corresponding to the original service data;
the first business data processing module is used for carrying out first business processing on the original business data according to the business processing rules to obtain a first business processing result;
the identification module is used for identifying whether the original service data trigger an update condition;
the period determining module is used for updating the settlement period of the original service data based on the first service processing result if the original service data triggers an updating condition, so as to obtain a target settlement period; and
The second business data processing module is used for carrying out second business processing on the original business data according to the target interest period to obtain a target business processing result; and if the original service data does not trigger the updating condition, taking the first service processing result as a target service processing result.
8. The traffic data processing apparatus according to claim 7, wherein the first traffic data processing module comprises:
the first calculation sub-module is used for acquiring a first segment interest period of the original service data according to the specified interval interest rule if the service processing rule is the specified interval interest rule, calculating a segment interest result corresponding to each segment interest period of the first segment interest period, and integrating the segment interest results to obtain the first service processing result;
The second calculation sub-module is used for acquiring a first segment interest period of the original service data according to the specified interval interest rule if the service processing rule is the specified interval interest rule, calculating a segment interest result corresponding to each segment interest period of the first segment interest period, and integrating the segment interest results to obtain the first service processing result;
a third calculation sub-module, configured to obtain interest in the holiday, days in the holiday, and interest in the holiday generated during the holiday corresponding to the original service data according to the holiday interest rule if the service processing rule is a holiday interest rule, and superposing the interest and the holiday interest to obtain a target interest, and taking the target interest as the first business processing result.
9. A computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the traffic data processing method according to any of claims 1 to 6 when the computer program is executed.
10. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the traffic data processing method according to any of claims 1 to 6.
CN202311325214.1A 2023-10-12 2023-10-12 Service data processing method, device, equipment and storage medium Pending CN117474651A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311325214.1A CN117474651A (en) 2023-10-12 2023-10-12 Service data processing method, device, equipment and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311325214.1A CN117474651A (en) 2023-10-12 2023-10-12 Service data processing method, device, equipment and storage medium

Publications (1)

Publication Number Publication Date
CN117474651A true CN117474651A (en) 2024-01-30

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Family Applications (1)

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Country Status (1)

Country Link
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