Live deposit account classification calculation method and device
By classifying the storage of current deposit accounts and real-time migration of double-zero accounts, the problem of reducing processing speed caused by the high proportion of double-zero accounts in batch processing of current accounts in the financial technology field is solved, and more efficient computing speed is achieved.
Patent Information
- Application Number
- CN202411267176.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-11
- Publication Date
- 2024-12-13
AI Technical Summary
In the field of financial technology, during batch processing such as daily end current account arrears, interest settlement and interest rate discount changes in current deposit accounts, there are a large number of double zero accounts that lead to a significant reduction in processing speed, especially the proportion of double zero accounts in electronic accounts High, resulting in system performance degradation.
By storing current accounts in a classified manner, double zero account accounts are stored separately, and migrating in real time when the account balance changes, and migrating qualified accounts into the double zero account table during daily batch processing, avoiding processing and only processing of normal accounts to improve Calculate the speed.
It significantly improves the calculation speed of day-end batch processing, reduces the number of current liability account tables, and improves the processing efficiency of the system.
Smart Images
Figure CN119130626A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of financial technology, and specifically, to a method and device for classifying and storing current deposit accounts, and performing different calculations according to the classified storage of accounts when performing time-consuming batch processing such as accrual, interest settlement, and interest rate discount changes on current accounts at the end of the day. Background Art
[0002] There are a large number of current accounts in the bank with zero balances. The interest paid in the current interest payment cycle is zero and the interest paid in the previous interest payment cycle is also zero. Customers no longer use these current accounts to a large extent and the accounts will not receive interest. Such accounts will not be processed during time-consuming batch processing such as interest payment, accrual, interest rate discount adjustment, and total score verification, which can significantly improve the processing speed.
[0003] Especially for electronic accounts, double-zero accounts account for more than 90%. After the double-zero accounts are stored separately, the number of current liability account tables decreases and the processing speed is significantly improved.
[0004] The present invention classifies current accounts for processing. After double-zero accounts are stored separately, the number of current liability account tables decreases. When time-consuming batches are processed at the end of the day, accounts in double-zero accounts are no longer processed, and the processing speed is significantly improved. Summary of the invention
[0005] The present invention provides a classification storage calculation method and device for current deposit accounts. When a current account has income or expenditure and other transactions involving balance changes, it is determined whether the current account is a double-zero account. If so, the account is migrated back to a normal table from a double-zero account table in real time. During the end-of-day batch processing, accounts in the system that meet the double-zero account conditions are determined and migrated to the double-zero account table. During the core end-of-day accrual, interest settlement, interest rate discount changes, total score verification, etc., the accounts migrated to the double-zero table are no longer processed, which can significantly improve the calculation speed of the core end-of-day batch processing.
[0006] In view of this, the first aspect of the present application provides a calculation method for classified storage of current deposit accounts, the method comprising: Step ⑴, copy the current balance sheet, current interest definition table, and current interest details table as double zero account tables. During the end-of-day batch processing, obtain the current deposit account balance of zero, the account interest of the current interest settlement period is zero, and the account interest of the previous interest settlement period is also zero, adjust the double zero account migration component, and migrate the accounts in the normal table to the double zero account table; Step 2: When the double-zero account has a deposit or withdrawal transaction online or in batch mode, the double-zero account migration component will be automatically triggered to migrate the double-zero account back to the normal table; Step (3), when performing time-consuming batch processing such as end-of-day accrual, interest settlement, interest rate discount adjustment, and total and sub-check, only the accounts in the normal current account balance sheet, current account interest definition table, and current account interest detail table need to be obtained for processing.
[0007] The step (1) also includes: S101, determining whether the balance of the currently processed account is zero; S102, if the judgment result of S101 is true, then determine whether the account interest in the previous interest settlement period is zero and whether the account interest in the previous interest settlement period is also zero; S103, if the judgment result of S102 is true, the records of the current balance sheet, current interest calculation definition table, and current interest details table corresponding to the current account are respectively moved to the current balance sheet of double-zero accounts, the current interest calculation definition table of double-zero accounts, and the current interest details table of double-zero accounts, and the corresponding records in the current balance sheet, the current interest calculation definition table, and the current interest details table are deleted.
[0008] The step (2) also includes: S201, determining whether the account is a double zero account; S202, if the judgment of S201 is true, the current account balance sheet of double-zero accounts, the current account interest calculation definition of double-zero accounts, and the current account interest details table of double-zero accounts corresponding to the current account are migrated back to the normal current account balance sheet, current account interest calculation definition, and current account interest details table; S203, delete the current balance sheet of the double-zero account, the current interest calculation definition of the double-zero account, and the current interest detail sheet record of the double-zero account.
[0009] The step (3) further comprises: S301, when performing time-consuming batch processing such as end-of-day accrual, interest settlement, interest rate discount adjustment, and total score verification, only the data in the normal table is read for processing.
[0010] A second aspect of the present application provides a current deposit account classification storage and calculation device, the device comprising: ⑴ Online transaction / batch module, used for double-zero accounts, if there are any income and expenditure actions, they need to be migrated back to the normal table; ⑵The end-of-day batch module is used to migrate accounts that meet the double-zero account conditions to the double-zero account table. BRIEF DESCRIPTION OF THE DRAWINGS
[0011] Figure 1 It is a flow chart of a method for calculating the classification storage of current deposit accounts in a batch processing module at the end of the day provided by an embodiment of the present application; Figure 2 It is a flow chart of a processing module of a method for calculating the classification storage of current deposit accounts provided in an embodiment of the present application when a transaction involving account balance changes, such as account income or expenditure, occurs; Figure 3It is a structural diagram of a current deposit account classification storage and calculation device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0012] The present invention will be further described below in conjunction with the accompanying drawings: Figure 1 : is a flow chart of a method for calculating the classification storage of current deposit accounts provided in an embodiment of the present application in a batch processing module at the end of the day, such as Figure 1 As shown, specifically: S101, determining whether the balance of the currently processed account is zero; S102, if the judgment result of S101 is true, then determine whether the account interest in the previous interest settlement period is zero and whether the account interest in the previous interest settlement period is also zero; S103, if the judgment result of S102 is true, the records of the current balance sheet, current interest calculation definition table, and current interest details table corresponding to the current account are respectively moved to the current balance sheet of double-zero accounts, the current interest calculation definition table of double-zero accounts, and the current interest details table of double-zero accounts, and the corresponding records in the current balance sheet, the current interest calculation definition table, and the current interest details table are deleted.
[0013] Figure 2 1 is a flow chart of a processing module of a method for calculating the classification storage of current deposit accounts provided in an embodiment of the present application when a transaction involving account balance changes such as account income or expenditure occurs, such as Figure 2 As shown, specifically: S201, determining whether the account is a double zero account; S202, if the judgment of S201 is true, the current account balance sheet of double-zero accounts, the current account interest calculation definition of double-zero accounts, and the current account interest details table of double-zero accounts corresponding to the current account are migrated back to the normal current account balance sheet, current account interest calculation definition, and current account interest details table; S203, delete the current balance sheet of the double-zero account, the current interest calculation definition of the double-zero account, and the current interest detail sheet record of the double-zero account.
[0014] Figure 3 is a schematic diagram of a structure of a current deposit account classification storage and calculation device provided in an embodiment of the present application, such as Figure 3 As shown, the computing device includes an online transaction module 301 and a day-end batch module 302. The online transaction module 301 migrates the accounts in the double-zero account table back to the normal table each time a transaction involving account balance change occurs in a current deposit account, such as income or expenditure. The day-end batch module 302 traverses all current deposit accounts that have not been closed at the end of the day and performs the following processing: (1) Obtain data showing that the current deposit account balance is zero, the account interest in the current interest payment period is zero, and the account interest in the previous interest payment period is also zero, call the double zero account migration component, and migrate the data in the normal table into the double zero account table; (2) Whenever a current account has any transaction involving changes in account balances, such as income or expenditure, the accounts in the double-zero account table are moved back to the normal table.
[0015] The above description is only a preferred embodiment of the present invention. All equivalent changes and modifications made within the scope of the claims of the present invention should fall within the scope of the claims of the present invention.
Claims
1. A classification calculation method for current deposit accounts, It is characterized in that include: Step ⑴, copy the current balance sheet, current interest definition table, and current interest details table as double zero account tables. At the end of the day, obtain the data of current deposit account balance is zero, the current interest settlement period account interest is zero, and the previous interest settlement period account interest is also zero, adjust the double zero account migration component, and migrate the data in the normal table into the double zero account table; Step 2: During online or batch transactions, if a deposit or withdrawal occurs in an account, the double-zero account migration component will be automatically triggered to migrate the double-zero account back to the normal table; Step (3), when performing time-consuming batch processing such as day-end accrual, interest settlement, interest rate discount adjustment, and total and sub-check, only the data in the normal current account balance sheet, current account interest definition sheet, and current account interest detail sheet are obtained for processing; The step (1) also includes: S101, determining whether the balance of the currently processed account is zero; S102, if the judgment result of S101 is true, then determine whether the account interest in the previous interest settlement period is zero and whether the account interest in the previous interest settlement period is also zero; S103, if the judgment result of S102 is true, then the current account balance sheet, current account interest calculation definition, and current account interest details corresponding to the current account are moved to the current account balance sheet, current account interest calculation definition, and current account interest details of the double-zero account, and the current account balance sheet, current account interest calculation definition, and current account interest details are deleted; The step (2) also includes: S201, determining whether the account is a double zero account; S202, if the judgment of S201 is true, the current account balance sheet of double-zero accounts, the current account interest calculation definition of double-zero accounts, and the current account interest details table of double-zero accounts corresponding to the current account are migrated back to the normal current account balance sheet, current account interest calculation definition, and current account interest details table; S203, deleting the current account balance sheet of the double-zero account, the current account interest calculation definition of the double-zero account, and the current account interest detail table record of the double-zero account; The step (3) further comprises: S301, determining whether the account is a double zero account; S302: If the judgment of S301 is true, the account will be skipped and not processed during time-consuming batch processing such as end-of-day accrual, interest settlement, interest rate discount adjustment, and total score verification.
2. A classification and calculation device for current deposit accounts, It is characterized in that The device applies the current deposit account classification calculation method as claimed in claim 1, and the device comprises: ⑴ Online transaction / batch module, used to migrate the accounts in the double-zero account table back to the normal table every time there is an income or expenditure transaction involving account balance change in the current deposit account; ⑵The end-of-day batch module is used to migrate accounts that meet the double-zero account conditions to the double-zero account table.