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Interest settlement system and method

An interest and interest rate technology, applied in the field of interest settlement systems, can solve the problems of low reusability, heavy development workload and high maintenance cost, and achieve the effect of overcoming low reusability

Inactive Publication Date: 2014-08-13
AGRICULTURAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] In view of this, the purpose of the present invention is to provide an interest settlement system and method to overcome the problems of low reusability, large development workload and high maintenance cost in the prior art

Method used

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Embodiment 1

[0054] Embodiment 1 of the present invention discloses an interest settlement system, please refer to figure 1 , the system includes an interest settlement plan configuration module 100 , an execution interest rate acquisition module 200 , an interest calculation amount calculation module 300 and an interest settlement module 400 .

[0055] The interest settlement scheme configuration module 100 is used to configure the interest settlement scheme of the bank product based on the product information according to the interest settlement requirements of the bank product when creating the bank product in advance, and the interest settlement scheme includes the bank product. Basic calculation formulas and related parameter information required for interest settlement, wherein the product information includes each constituent element of the bank product, and each constituent element is described by a pre-specified unified model and unified parameters.

[0056] Based on the factory-l...

Embodiment 2

[0103] Embodiment 2 of the present invention discloses an interest settlement method, please refer to Figure 5 , the method includes the following steps:

[0104] S501: When creating a bank product in advance, configure the interest settlement plan of the bank product based on the product information according to the interest settlement requirement of the bank product, and the interest settlement plan includes the basic calculation required for the interest settlement of the bank product Formulas and related parameter information, wherein the product information includes each constituent element of the bank product, and each constituent element is described by a predetermined unified model and unified parameters.

[0105] S502: According to the interest settlement plan, based on the product information and the corresponding banking subsystem, obtain the segmented values ​​of the N execution interest rates required to calculate the interest of the bank product within the time ...

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Abstract

The invention discloses an interest settlement system and method. The system comprises an interest settlement scheme configuration module, a strike rate acquisition module, an interest accrual money accumulation calculation module and an interest settlement module. The method is based on a factorized design thought, a unified regulation of components of bank products is predefined, and then componentized and parameterized new production customization is achieved. Information used for interest settlement is derived from products, and therefore in the product establishment process, the interest settlement scheme configuration module can configure an interest settlement scheme according to the interest settlement requirement of products and based on componentized product information. The strike rate acquisition module and the interest accrual money accumulation calculation module acquire needed data from bank subsystems according to the interest settlement scheme, and eventually the interest settlement module calculates interest through the data. It can be seen that componentized and parameterized configuration of the interest settlement scheme is achieved, the interest settlement core process based on the product configuration is achieved, and the problems that in the prior art, the reuse degree is low, and the development workload is large are solved.

Description

technical field [0001] The invention belongs to the technical field of bank payment and settlement, and in particular relates to an interest settlement system and method. Background technique [0002] Banking products refer to all currency-related commodities that banking financial institutions provide to the market to meet people's certain wishes and needs. Banking products are largely intangible services, such as deposits and loans provided to consumers. Serve. [0003] Interest settlement is one of the basic business needs of banking products. The existing interest settlement function of banking products is realized in a similar customized manner, that is, each product corresponds to a separate interest settlement interface, and the interest settlement interfaces corresponding to different products are in the same way. There is no reuse of components during development. Based on this, when a new bank product is created, the corresponding interest settlement interface ne...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 施晋宫虎波于建文朱翻
Owner AGRICULTURAL BANK OF CHINA
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