Bank account interest bearing method and system based on personal account interest bearing system

Abstract

The invention provides a bank account interest bearing method and system based on a personal account interest bearing system. The method comprises the following steps that a bank account partition isarranged in the locally-stored personal account data table; according to the serial number format of the bank account partition, a second account and corresponding second account information are generated according to a first account and corresponding first account information of each to-be-processed bank account, wherein the first account information comprises a first product type and a first product amount; the second account and the corresponding second account information are stored into the bank account partition; whether product interest bearing parameters corresponding to the first product types exist in the locally stored interest bearing parameter table or not is judged according to the first account information; if not, product interesting bearing parameters corresponding to thefirst product type are inserted in the interest bearing parameter table; an interest of each product of the corresponding first account is generated according to the second account information and theinterest bearing parameter table. The method has the beneficial effects that the interest bearing efficiency of a bank account is improved, redundant data is not generated, and the cost is saved.

Description

technical field [0001] The invention relates to the technical field of bank interest calculation, in particular to a bank account interest calculation method and system based on a personal account interest calculation system. Background technique [0002] Bank account refers to the account opened by the Bank in other banks, managed and interest-bearing by other banks. [0003] Personal account refers to an account opened by an individual with the Bank, which is managed and interest-calculated by the Bank. [0004] Since each bank account is an account created by the Bank in other banks, for statistical analysis, the Bank also needs to calculate data such as the balance of each bank account and the interest obtained. In the prior art, the Bank's method of calculating each bank account is mainly as follows: [0005] 1. The bank account number and balance are simply registered in the bank's system, and there is no automatic interest calculation function. The interest of each ...

AI Technical Summary

Problems solved by technology

The disadvantages of this method are: the interest, balance and other information obtained through manual calculation are inaccurate; the manual calculation workload is heavy, and there is a risk of operational errors

The defects of this method are: the re-established interest calculation processing program automatically calculates the data generated by the interest and the data of the personal account are mixed together, which interferes with the data of the customer account in the bank system; a new set of interest calculation parameters and interest calculation processing Program increases workload

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