A bank account interest calculation method and system based on a personal account interest calculation system
A technology for bank accounts and account information, applied in computing, data processing applications, finance, etc., can solve problems such as heavy workload, interference with customer account data, operational errors, etc., to save costs, not retain redundant data, and improve efficiency. Effect
Active Publication Date: 2021-10-08
BANK OF CHINA
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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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[0048] 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.
[0049] As used herein, "first", "second", ..., etc. do not refer to the meaning of sequence or order, nor are they used to limit the present invention. They are only used to distinguish elements or components described with the same technical terms. operate.
[0050]Regarding the "electrical coupling" used herein, it may refer to two or more elements that are in direct physical or electrical contact with each other, or indirect physical or electrical contact w...
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The present invention provides a bank account interest calculation method and system based on a personal account interest calculation system, comprising: setting bank account partitions in a locally stored personal account data table; The first account of the bank account and the corresponding first account information generate each second account and the corresponding second account information; the first account information includes: the first product type and the first product amount; each second account and the corresponding The second account information is stored in the bank account partition; according to the first account information, it is judged whether there are product interest calculation parameters corresponding to each first product type in the locally stored interest calculation parameter table; if not, insert the first product into the interest calculation parameter table The product interest calculation parameters corresponding to the type; according to the second account information and the interest calculation parameter table, generate the corresponding product interest of the first account. The invention has the beneficial effects of improving the interest calculation efficiency of bank accounts, not generating redundant data and saving costs.
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 ...
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IPC IPC(8): G06Q40/02G06F17/18
CPCG06F17/18G06Q40/02
Inventor 彭丰华尹杰化金龙
Owner BANK OF CHINA