Interest-bearing method and system
A technology of relationship and interest, applied in the field of liquidation, can solve problems such as operator inconvenience, and achieve the effect of improving the operating experience
Inactive Publication Date: 2018-04-06
BANK OF CHINA
View PDF0 Cites 1 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
[0004] In view of this, the present invention provides an interest calculation method and system to solve the problem in the prior art that when the SWEEP function is used to realize the end-of-day interest calculation, the operator needs to perform multiple operations, which brings inconvenience to the operator. , the specific scheme is as follows:
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0045] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0046] The invention discloses an interest calculation method, the flow chart of which is as follows figure 1 shown, including:
[0047] Step S11. Obtain the settlement sub-account, settlement account and investment account for which the contractual relationship is established;
[0048] The clearing sub-account, clearing account and investment account are all accounts designated by the bank customer, among which the clearing sub-account and clearing account are...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The present invention discloses an interest-bearing method and system. The method comprises the steps of: obtaining a clearing subaccount, a clearing account and an investment account which are used to establish a contract relation, an SWEEP function is employed to regulate a current balance of the clearing subaccount to a first result balance assigned in the contract relation and regulate a current balance of the clearing account to a second result balance assigned in the contract relation prior to day final interest settlement, account funds regulated in the clearing subaccount and the clearing account are transferred into the investment account to allow the investment account to perform interest settlement when day final interest settlement is performed, a current balance of the investment account is regulated to a third result balance at the day after the interest settlement, and the regulated account fund of the investment account is transferred into the clearing account. The interest-bearing method and system employs the SWEEP function to achieve automatic regulation of balances in the clearing subaccount and the clearing account to allow the investment account to perform dayfinal interest settlement and transfer the current balance of the investment account into the clearing account at the day after the interest settlement, and therefore, it is avoided that operators need to perform multi-times operation to complete interest settlement and the operation experience is improved.
Description
technical field [0001] The invention relates to the liquidation field, in particular to an interest calculation method and system. Background technique [0002] Agreed transfer SWEEP means that the customer and the bank agree in advance that when the account balance reaches the agreed amount, the bank will automatically complete the transfer to keep the account balance at the agreed result balance. [0003] At present, the SWEEP function is used to realize that the funds in the liquidation account and the liquidation sub-account are all collected into the investment account according to the contract requirements before the interest calculation at the end of the day, and the interest is calculated by the investment account. However, after the interest calculation of the investor account, a new transaction needs to be restarted on the second day to return the investor's funds to the settlement account, which requires the operator to perform multiple operations to realize the i...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/10
CPCG06Q20/102G06Q40/03
Inventor 张燕胡俊
Owner BANK OF CHINA