Multi-account combination interest calculation method and device, computer equipment and readable storage medium

A multi-account and account technology, applied in computing, data processing applications, finance, etc., can solve problems such as inconvenient management, no correlation, and inability to meet the user's multiple account management needs, so as to reduce user costs and simplify interest calculation management , Improve the effect of user experience

Pending Publication Date: 2020-06-30
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] This article is used to solve the problem that there is no correlation between the interest calculations of various accounts in the prior art, which is inconvenient to manage and cannot meet the needs of users for managing multiple accounts at the same time

Method used

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  • Multi-account combination interest calculation method and device, computer equipment and readable storage medium
  • Multi-account combination interest calculation method and device, computer equipment and readable storage medium
  • Multi-account combination interest calculation method and device, computer equipment and readable storage medium

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Embodiment Construction

[0053]The following will clearly and completely describe the technical solutions in the embodiments herein in conjunction with the accompanying drawings in the embodiments herein. Obviously, the described embodiments are only some of the embodiments herein, not all of them. Based on the embodiments herein, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts fall within the scope of protection herein.

[0054] The interest rates mentioned in this article (including the original interest rate and pricing interest rate) refer to the annual interest rate unless otherwise specified.

[0055] Such as figure 1 as shown, figure 1 It is a flowchart of a multi-account consolidated interest calculation method according to an embodiment of this document. This embodiment is used to solve the defects in the prior art that there is no correlation between the deposit and interest calculation of each account, which is inconvenient to manage,...

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Abstract

The invention relates to the field of interest calculation, in particular to a multi-account combined interest calculation method and device, computer equipment and a readable storage medium. The method comprises the steps: calculating the total mean value balance of all combined interest calculation accounts under the same user group; determining a pricing interest rate corresponding to the totalmean value balance by using a pricing interest rate table according to the total mean value balance, wherein the pricing interest rate table stores a relationship between an amount range and the pricing interest rate, and a pricing interest rate minimum value in the pricing interest rate table is greater than or equal to an original interest rate of each combined interest calculation account in the user group; according to the pricing interest rate corresponding to the total mean value balance, carrying out interest calculation on all combined interest calculation accounts in the user group.The interest calculation management of a plurality of accounts in the same user group can be simplified, the user experience is improved, and the interest income of the user can be improved.

Description

technical field [0001] This article relates to the field of bank interest calculation, in particular to a multi-account combined interest calculation method and device, computer equipment, and a computer-readable storage medium. Background technique [0002] The existing corporate deposit business calculates interest on a single account basis. Among the multiple accounts of the same user, each account is independent, and the interest rate of each account has no correlation. For the bank, for multiple accounts of the same user, the interest rate of each account is set separately and the interest of each account is calculated, which has the disadvantage of being inconvenient to manage, and cannot meet the user's demand for managing multiple accounts at the same time. For users, it has the disadvantages of complex management and inconvenient calculation of income, and the disadvantage of low income in sub-account interest calculation. Contents of the invention [0003] This ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 罗军珍夏辰梁芳彭博周震张琳龚振
Owner CHINA CONSTRUCTION BANK
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