CN108629679A - A kind of the bank account methods of figuring interest and system based on personal account interest-bearing system - Google Patents
A kind of the bank account methods of figuring interest and system based on personal account interest-bearing system Download PDFInfo
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- CN108629679A CN108629679A CN201810282743.0A CN201810282743A CN108629679A CN 108629679 A CN108629679 A CN 108629679A CN 201810282743 A CN201810282743 A CN 201810282743A CN 108629679 A CN108629679 A CN 108629679A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F17/00—Digital computing or data processing equipment or methods, specially adapted for specific functions
- G06F17/10—Complex mathematical operations
- G06F17/18—Complex mathematical operations for evaluating statistical data, e.g. average values, frequency distributions, probability functions, regression analysis
Abstract
The present invention provides a kind of the bank account methods of figuring interest and system based on personal account interest-bearing system, including：Bank account subregion is set in the personal account tables of data being locally stored；According to the number format of bank account subregion, each second account and corresponding second account information are generated according to the first account of pending each bank account and corresponding first account information；First account information includes：First product type and the first product number；Each second account and corresponding second account information are stored to bank account subregion；Judged to whether there is each first product type corresponding product interest-bearing parameter in the interest-bearing parameter list being locally stored according to the first account information；If not, being inserted into the corresponding product interest-bearing parameter of the first product type in interest-bearing parameter list；According to the second account information and interest-bearing parameter list, corresponding each product interest of first account is generated.The present invention, which has, to be improved the interest-bearing efficiency of bank account, not to generate redundant data and cost-effective advantageous effect.
Description
Technical field
The present invention relates to interest-bearing bank technical field more particularly to a kind of bank accounts based on personal account interest-bearing system
The methods of figuring interest and system.
Background technology
Bank account refers to the account that one's own profession is opened in other banks, by other bank managements and interest-bearing.
Personal account refers to the personal account opened in one's own profession, by one's own profession management and interest-bearing.
Each bank account is due to being account that one's own profession is created in other banks, and for statistical analysis, one's own profession is also required to calculate
The data such as the remaining sum of each bank account and the interest of acquisition.The method that one's own profession calculates each bank account in the prior art is mainly：
1, bank account account and remaining sum are only simply registered in one's own profession system, the function of not bearing interest automatically is led to
The effective interest for crossing the interest and the bank account provided by other banks of each bank account of manual calculations is checked.This method
It has a defect that：It is inaccurate by information such as the interest, the remaining sums that are manually calculated；Artificial amount of calculation is big, there is behaviour
Make the risk slipped up.
2, bank account realizes automatic interest-bearing in one's own profession system, is the meter for increasing a set of bank account newly in one's own profession system
Cease parameter and interest-bearing processing routine.This method has a defect that：The interest-bearing processing routine re-established figures interest automatically
The data of generation interfere the data of the customer accounting code of one's own profession system together with the data mixing of personal account；Increase a set of meter newly
It ceases parameter and interest-bearing processing routine increases workload.
Therefore, how to realize that quick, not retaining redundant data and cost-effective bank account, interest-bearing technology is automatically
Current technical problem urgently to be resolved hurrily.
Invention content
In order to solve defect in the prior art, the present invention provides a kind of bank's accounts based on personal account interest-bearing system
The family methods of figuring interest and system improve bank account interest-bearing efficiency, have the effect of not retaining redundant data and cost-effective.
To achieve the goals above, the present invention provides a kind of bank account interest-bearing sides based on personal account interest-bearing system
Method, this method include：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account and correspondence of pending each bank account
The first account information generate each second account and corresponding each second account information；First account information includes：First
Product type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to first account information
Corresponding product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
The present invention also provides a kind of bank account interest-bearing systems based on personal account interest-bearing system, including：
Subregion setting unit, for bank account subregion to be arranged in the personal account tables of data being locally stored；
Second account and the second account information generation unit, for the number format according to the bank account subregion, root
Each second account and corresponding each the are generated according to the first account of pending each bank account and corresponding first account information
Two account informations；First account information includes：First product type and the first product number；
Account storage unit, for storing each second account and corresponding each second account information to bank's account
Family subregion；
Judging unit, for being judged in the interest-bearing parameter list being locally stored with the presence or absence of each according to first account information
The corresponding product interest-bearing parameter of first product type；
The first generation unit of product interest, it is corresponding for being inserted into first product type in the interest-bearing parameter list
Product interest-bearing parameter；According to second account information and the interest-bearing parameter list, second account corresponding first is generated
Each product interest of account.
The present invention also provides a kind of computer equipment, including memory, processor and storage on a memory and can located
The computer program run on reason device, the processor realize following steps when executing the computer program：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account and correspondence of pending each bank account
The first account information generate each second account and corresponding each second account information；First account information includes：First
Product type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to first account information
Corresponding product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
The present invention also provides a kind of computer readable storage mediums, are stored thereon with computer program, the computer journey
Following steps are realized when sequence is executed by processor：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account and correspondence of pending each bank account
The first account information generate each second account and corresponding each second account information；First account information includes：First
Product type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to first account information
Corresponding product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
The bank account methods of figuring interest and system provided by the invention based on personal account interest-bearing system are included in local deposit
Bank account subregion is set in the personal account tables of data of storage；According to the number format of the bank account subregion, according to waiting locating
First account of each bank account of reason and corresponding first account information generate each second account and corresponding each second account
Information；First account information includes：First product type and the first product number；By each second account and correspond to each
Second account information is stored to the bank account subregion；The interest-bearing parameter list for judging to be locally stored according to first account information
In whether there is the corresponding product interest-bearing parameter of each first product type；If not, described in being inserted into the interest-bearing parameter list
The corresponding product interest-bearing parameter of first product type；According to second account information and the interest-bearing parameter list, described in generation
Each product interest of corresponding first account of second account.The present invention is based on original personal account interest-bearing systems, automatic to calculate
The product interest of each bank account has and improves bank account interest-bearing efficiency, do not retain redundant data and cost-effective technology
Effect.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is a kind of bank account methods of figuring interest flow chart based on personal account interest-bearing system provided by the invention；
Fig. 2 is the flow chart of the step S102 in one embodiment of the invention；
Fig. 3 is the flow chart of the step S103 in one embodiment of the invention；
Fig. 4 is the flow chart of the step S105 in one embodiment of the invention；
Fig. 5 is the bank account methods of figuring interest flow based on personal account interest-bearing system in another embodiment of the present invention
Figure；
Fig. 6 is the bank account methods of figuring interest flow based on personal account interest-bearing system in another embodiment of the present invention
Figure；
Fig. 7 is the structural schematic diagram of the bank account interest-bearing system provided by the invention based on personal account interest-bearing system；
Fig. 8 is the structural schematic diagram of the second account and the second account information generation unit 702 in one embodiment of the invention；
Fig. 9 is the structural schematic diagram of account storage unit 703 in one embodiment of the invention；
Figure 10 is the structure of the bank account interest-bearing system based on personal account interest-bearing system in one embodiment of the invention
Schematic diagram；
Figure 11 is the structural schematic diagram of the first generation unit of product interest 705 in one embodiment of the invention；
Figure 12 is the structural schematic diagram of the second generation unit of product interest 706 in one embodiment of the invention；
Figure 13 is the structure of the bank account interest-bearing system based on personal account interest-bearing system in one embodiment of the invention
Schematic diagram.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
About " first " used herein, " second " ... etc., not especially censure the meaning of order or cis-position,
Also non-to limit the present invention, only for distinguishing the element described with same technique term or operation.
About " electric property coupling " used herein, can refer to two or multiple element mutually directly make entity or be electrically connected with
It touches, or mutually puts into effect body or in electrical contact indirectly, and " electric property coupling " also can refer to two or more element mutual operations or dynamic
Make.
It is the term of opening, i.e., about "comprising" used herein, " comprising ", " having ", " containing " etc.
Mean including but not limited to.
About it is used herein " and/or ", include the things any or all combinations.
About direction term used herein, such as：Upper and lower, left and right, front or rear etc. are only to refer to annexed drawings
Direction.Therefore, the direction term used is intended to be illustrative and not intended to limit this case.
Bank account refers to the account that one's own profession is opened in other banks, by other bank managements and interest-bearing.
Personal account refers to the personal account opened in one's own profession, by one's own profession management and interest-bearing.
In view of the deficiencies in the prior art, the present invention provides a kind of bank's accounts based on personal account interest-bearing system
The family methods of figuring interest, flow chart is as shown in Figure 1, this method includes：
S101：Bank account subregion is set in the personal account tables of data being locally stored.
Wherein, bank account subregion refers to the setting of personal account tables of data for storing the corresponding individual of each bank account
The account subregion of account.Include multiple account subregions, the number of each account subregion in the personal account tables of data being locally stored
But format is identical, and the first digital number of each account partition number is different, by the first place number of each account partition number knows
Which account subregion do not belonged to.Such as the first number of partition number of account subregion 1 is 1, the partition number of account subregion 9 is the first
Number is 9, and the digit of each account partition number is identical.
S102：According to the number format of bank account subregion, according to the first account of pending each bank account and right
The first account information answered generates each second account and corresponding each second account information；First account information includes：First production
Category type and the first product number.
Such as the number format of bank account subregion is with the number format of 13 digits of 9 beginnings.Wherein each bank account
The first account refer to account that bank account is created in other banks, the second account refer to each bank account by one's own profession in one's own profession
The number format of the account of establishment, the second account is identical as the personal account format of one's own profession.
S103：Each second account and corresponding each second account information are stored to bank account subregion.Wherein, the second account
And second account information correspondingly storage arrive bank account subregion.
S104：Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to the first account information
Corresponding product interest-bearing parameter.
S105：If not, being inserted into the corresponding product interest-bearing parameter of the first product type in interest-bearing parameter list；According to second
Account information and interest-bearing parameter list generate each product interest of corresponding first account of the second account.
Wherein interest-bearing parameter list is for storing the corresponding product interest-bearing parameter of different product types.
Flow as shown in Figure 1, by above steps, is realized it is found that the present invention is based on the interest-bearing system of personal account
Automatic interest-bearing to bank account has the efficient and cost-effective technique effect that bears interest.
In one embodiment, as shown in Fig. 2, step S102 includes：
S201：According to the number format of bank account subregion, it is sequentially generated the first account of pending each bank account
Corresponding second account.
When it is implemented, the first account of bank account has 19 bit digitals, (one's own profession is obtained when being manageed it by him and being created an account
), the number format of bank account subregion is 13 bit digitals digital headed by 9.Set each first account of bank account as
100 0,000 0,000 0,000 0001,100 0,000 0,000 0,000 0002 ... ..., 100 0,000 0,000 0,000 0009,
100 0,000 0,000 0,000 0010, the subregion Base Serial Number of bank account subregion is 9 0,000 0,000 0001, each second account
Family (the corresponding personal account that each bank account of this behavior creates) sequence since the subregion Base Serial Number of bank account subregion
Number, then the correspondence of a first account and the firstth account is as shown in table 1.
Table 1
| First account | Second account |
| 100 0000 0000 0000 0001 | 9 0000 00000001 |
| 100 0000 0000 0000 0002 | 9 0000 0000 0002 |
| 100 0000 0000 0000 0003 | 9 0000 0000 0003 |
| 100 0000 0000 0000 0004 | 9 0000 0000 0004 |
| 100 0000 0000 0000 0005 | 9 0000 0000 0005 |
| 100 0000 0000 0000 0006 | 9 0000 0000 0006 |
| 100 0000 0000 0000 0007 | 9 0000 0000 0007 |
| 100 0000 0000 0000 0008 | 9 0000 0000 0008 |
| 100 0000 0000 0000 0009 | 9 0000 0000 0009 |
| 100 0000 0000 0000 0010 | 9 0000 0000 0010 |
S202：Each first account information is mapped as corresponding each second account information；Second account information includes：Second
Product type and the second product number；Second product type identical product interest-bearing parameter corresponding with the first product type, second
Product number is identical as the first product number.
When it is implemented, the mode that each first account information is mapped as corresponding each second account information is by each first account
Family information copies as the mode of corresponding each second account information, and invention is not limited thereto.Therefore, the second product type and the
One product type corresponds to identical product interest-bearing parameter, and the second product number is identical as the first product number.
The first product type for setting each first account information can be finance product A, finance product B, current deposit, determine
At least one of phase deposit etc., corresponding first product number is specially property product A numbers 100,000, finance product B numbers 100
The first product number of ten thousand, current deposit number 100,000, fixed deposit number 50,000 etc., each first account information can be identical
It can be different.Since the second account information is that the first account information replicates generation, the second product type body is finance product
A, finance product B, current deposit, fixed deposit etc., the second product number are specially property product A numbers 100,000, finance product B numbers
Volume 1,000,000, current deposit number 100,000, fixed deposit number 50,000 etc..Wherein the first product type is one with the first product number
One correspondence, the second product type are one-to-one relationship, such as the first production of first account with the second product number
Category type and the correspondence of the first product number are as shown in table 2, pair of corresponding second product type and the second product number
It should be related to as shown in table 3.Wherein the first account information further includes the first product type corresponding first product time buying, and second
Account information further includes the second product type corresponding second product time buying, and the first product time buying and corresponding
Two product time buyings are identical.
Table 2
| First product type | First product number (RMB) | First product time buying |
| Finance product A | 100000 | 1 month |
| Finance product B | 1000000 | 2 months |
| Current deposit | 100000 | 2 years |
| Fixed deposit | 50000 | 1 week |
Table 3
| Second product type | Second product number (RMB) | Second product time buying |
| Finance product A | 100000 | 1 month |
| Finance product B | 1000000 | 2 months |
| Current deposit | 100000 | 2 years |
| Fixed deposit | 50000 | 1 week |
In one embodiment, as shown in figure 3, step S103 includes：
S301：Each second account is stored successively and arrives bank account subregion.
When it is implemented, as shown in table 2, each second account being stored successively by batch processing and arrives bank account subregion.It will
Each second account 9 0,000 0,000 0001,9 0,000 0,000 0002 ..., 9 0,000 0,000 0010 successively storage to point
Area 9 is bank account subregion.
S302：Bank account subregion is arrived into the storage corresponding with each second account of each second account information.
When it is implemented, the second account information is stored into bank account subregion correspondingly with each second account, this
Invention sets each second account information and corresponding second account relationship is as shown in table 4 by taking 10 the second accounts as an example.
Table 4
In one embodiment, as shown in figure 4, above-mentioned steps S105 includes：
S401：The corresponding product interest-bearing parameter of the first product type is inserted into interest-bearing parameter list.
The corresponding product interest-bearing parameter of the first product type is inserted into interest-bearing parameter list
When it is implemented, according to each first product type (finance product A, finance product B, current deposit, fixed deposit
Deng), it is inserted into the corresponding product interest-bearing parameter of each first product type in the interest-bearing parameter list being locally stored, generates new interest-bearing
Parameter list, as shown in table 5.
Table 5
S402：According to each second product number, the second product type and the corresponding product interest-bearing parameter of the second product type,
Generate corresponding each second product interest.
When it is implemented, according to corresponding second product in the second product number, the second product type and the table 5 in table 4
The product interest-bearing parameter of type generates corresponding each second product interest.With the second account 9 0,000 0,000 0001 in table 4
For, calculate corresponding second product interest.According to 100,000 yuan of finance product A, the time buying is 1 month, in corresponding table 5
The product interest-bearing parameter of finance product A, 10,000, year interest rate 4.62% and Non-callable in 6 months, calculate the second account 9
0000 0,000 0001 finance product A is M by the end of the product interest of current date, also according to the second account 9 in table 4
The product interest-bearing parameter of 0000 0,000 0,001 100,000 current deposits, 2 years time buyings and the current deposit in table 5, year
Change interest rate 3.5%, calculates product profit of 100,000 current deposits by the end of current date of the second account 9 0,000 0,000 0001
Breath is N, and the second product interest for amounting to the second account 9 0,000 0,000 0001 until current date is T=M+N,
The corresponding second product interest of remaining each second account is calculated in the method.
S403：According to corresponding second account of each second product interest, each of corresponding first account of the second account is generated
First product interest.
When it is implemented, by taking the second account 9 0,000 0,000 0001 as an example, as shown in table 1, the second account 9 0000
0000 0001 corresponding first accounts are 100 0,000 0,000 0,000 0001, by the second account 9 0,000 0,000 0001
Second product interest is that be mapped as the first product interest that the first account is 100 0,000 0,000 0,000 0001 be T ' to T, specifically
Mapping mode can T directly be copied as into T ', or T is assigned to as T ', finally so that T '=T=M+N.With reference to above-mentioned reality
Apply step, the first product interest of raw each first account.
In one embodiment, as shown in figure 5, the bank account methods of figuring interest based on personal account interest-bearing system is also wrapped
It includes：
S106：If there are the corresponding product interest-bearing parameter of each first product type in the interest-bearing parameter list being locally stored,
According to the second account information and interest-bearing parameter list, each product interest of corresponding first account of the second account is generated.
When it is implemented, the specific implementation process of step S106 includes S402 and S403, details are not described herein again step S106
Specific implementation process.
S105 and step S106 through the above steps so that the present invention can flexibly choose whether adjustment interest-bearing parameter
Table has the efficient and cost-effective technique effect that bears interest.
In one embodiment, as shown in fig. 6, the bank account methods of figuring interest based on personal account interest-bearing system is also wrapped
It includes：
S107：Empty bank account subregion.
When it is implemented, emptying bank account subregion and generating when removing the second product interest for calculating each second account
Data, and after the first product interest of each first account is sent to the reception system of each first product interest, deletion is based on
Personal account interest-bearing system generates the first product interest of each first account.So that the present invention avoids the first of bank account
The data that account and the second account generate, blend together with the personal account data in personal account interest-bearing system, in interference
There is no redundant data during bearing interest to bank account to retain for the interest-bearing data of the personal account of account interest-bearing system
Advantageous effect.
Conceived based on application identical with the above-mentioned bank account methods of figuring interest based on personal account interest-bearing system, the present invention
Additionally provide a kind of bank account interest-bearing system based on personal account interest-bearing system, such as following example.Since this is based on a
The principle that the bank account interest-bearing system for family interest-bearing system of acknowledging a debt solves the problems, such as and bank's account based on personal account interest-bearing system
The family methods of figuring interest is similar, therefore the implementation for being somebody's turn to do the bank account interest-bearing system based on personal account interest-bearing system may refer to be based on
The implementation of the bank account methods of figuring interest of personal account interest-bearing system, overlaps will not be repeated.
Fig. 7 is the structural schematic diagram of the bank account interest-bearing system provided by the invention based on personal account interest-bearing system,
As shown in fig. 7, the system includes：Subregion setting unit 701, the second account and the second account information generation unit 702, account are deposited
Storage unit 703, judging unit 704, the first generation unit of product interest 705.
Subregion setting unit 701, for bank account subregion to be arranged in the personal account tables of data being locally stored.
Second account and the second account information generation unit 702 are used for the number format according to bank account subregion, according to
First account of pending each bank account and corresponding first account information generate each second account and corresponding each second
Account information；First account information includes：First product type and the first product number.
Account storage unit 703, for dividing each second account and corresponding each second account information storage to bank account
Area.
Judging unit 704, for being judged in the interest-bearing parameter list being locally stored with the presence or absence of each according to the first account information
The corresponding product interest-bearing parameter of first product type.
The first generation unit of product interest 705, for being inserted into the corresponding product of the first product type in interest-bearing parameter list
Interest-bearing parameter；According to the second account information and interest-bearing parameter list, each product interest of corresponding first account of the second account is generated.
In one embodiment, as shown in figure 8, the second account and the second account information generation unit 702 include：Second account
Family generation module 801 and the second account information generation module 802.
Second account generation module 801 is sequentially generated pending each for the number format according to bank account subregion
Corresponding second account of the first account of bank account.
Second account information generation module 802 is believed for each first account information to be mapped as corresponding each second account
Breath, the second account information include：Second product type and the second product number；Second product type is corresponding with the first product type
Identical product interest-bearing parameter, the second product number are identical as the first product number.
In one embodiment, as shown in figure 9, account storage unit 703 includes：Second account memory module 901 and second
Account information memory module 902.
Second account memory module 901 arrives bank account subregion for storing each second account successively.
Second account information memory module 902, for silver to be arrived in the storage corresponding with each second account of each second account information
Row account subregion.
In one embodiment, as shown in Figure 10, which further includes：The second generation unit of product interest 706.
The second generation unit of product interest 706, for according to the second account information and interest-bearing parameter list, generating the second account
Each product interest of corresponding first account.
In one embodiment, as shown in figure 11, the first generation unit of product interest 705 includes：Product interest-bearing parameter is inserted into
Module 1101, the second product interest generation module 1102 and the first product interest generation module 1103.
Product interest-bearing parameter is inserted into module 1101, for being inserted into the corresponding product of the first product type in interest-bearing parameter list
Interest-bearing parameter.
Second product interest generation module 1102, for according to each second product number, the second product type and the second production
The corresponding product interest-bearing parameter of category type generates corresponding each second product interest.
First product interest generation module 1103, for according to corresponding second account of each second product interest, generating the
Each first product interest of corresponding first account of two accounts.
In one embodiment, as shown in figure 12, the second generation unit of product interest 706 includes：Second product interest generates
Module 1201 and the first product interest generation module 1202.
Second product interest generation module 1201, for according to each second product number, the second product type and the second production
The corresponding product interest-bearing parameter of category type generates corresponding each second product interest；
First product interest generation module 1202, for according to corresponding second account of each second product interest, generating the
Each first product interest of corresponding first account of two accounts.
In one embodiment, as shown in figure 13, which further includes：Subregion empties unit 707, for emptying bank account
Subregion.
Conceived based on application identical with the above-mentioned bank account methods of figuring interest based on personal account interest-bearing system, the application
A kind of computer equipment is provided, as described in following example.The principle solved the problems, such as due to the computer equipment with based on individual
The bank account methods of figuring interest of account interest-bearing system is similar, therefore the implementation of the computer equipment may refer to be based on personal account
The implementation of the bank account methods of figuring interest of interest-bearing system, overlaps will not be repeated.
In one embodiment, computer equipment includes：Memory, processor and storage on a memory and can handled
The computer program run on device, as shown in Figure 1, the processor realizes following steps when executing the computer program：
S101：Bank account subregion is set in the personal account tables of data being locally stored.
S102：According to the number format of bank account subregion, according to the first account of pending each bank account and right
The first account information answered generates each second account and corresponding each second account information；First account information includes：First production
Category type and the first product number.
S103：Each second account and corresponding each second account information are stored to bank account subregion.
S104：Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to the first account information
Corresponding product interest-bearing parameter.
S105：If not, being inserted into the corresponding product interest-bearing parameter of the first product type in interest-bearing parameter list；According to second
Account information and interest-bearing parameter list generate each product interest of corresponding first account of the second account.
Conceived based on application identical with the above-mentioned bank account methods of figuring interest based on personal account interest-bearing system, the application
A kind of computer readable storage medium is provided, as described in following example.Since the computer readable storage medium solves the problems, such as
Principle it is to the bank account methods of figuring interest based on personal account interest-bearing system similar, therefore the computer readable storage medium
Implementation may refer to the implementation of the bank account methods of figuring interest based on personal account interest-bearing system, and overlaps will not be repeated.
In one embodiment, it is stored with computer program on computer readable storage medium, as shown in Figure 1, the calculating
Machine program realizes following steps when being executed by processor：
S101：Bank account subregion is set in the personal account tables of data being locally stored.
S102：According to the number format of bank account subregion, according to the first account of pending each bank account and right
The first account information answered generates each second account and corresponding each second account information；First account information includes：First production
Category type and the first product number.
S103：Each second account and corresponding each second account information are stored to bank account subregion.
S104：Judged to whether there is each first product type in the interest-bearing parameter list being locally stored according to the first account information
Corresponding product interest-bearing parameter.
S105：If not, being inserted into the corresponding product interest-bearing parameter of the first product type in interest-bearing parameter list；According to second
Account information and interest-bearing parameter list generate each product interest of corresponding first account of the second account.
The bank account methods of figuring interest and system provided by the invention based on personal account interest-bearing system, including：In local
Bank account subregion is set in the personal account tables of data of storage；According to the number format of bank account subregion, according to pending
Each bank account the first account and corresponding first account information generate each second account and corresponding each second account letter
Breath；First account information includes：First product type and the first product number；By each second account and corresponding each second account letter
Bank account subregion is arrived in breath storage；Judged to whether there is each first in the interest-bearing parameter list being locally stored according to the first account information
The corresponding product interest-bearing parameter of product type；If not, being inserted into the corresponding product meter of the first product type in interest-bearing parameter list
Cease parameter；According to the second account information and interest-bearing parameter list, each product interest of corresponding first account of the second account is generated.This
Interest-bearing system of the invention based on personal account has and improves bank account interest-bearing efficiency, do not retain redundant data and cost-effective
Technique effect.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
Specific embodiment is applied in the present invention, and principle and implementation of the present invention are described, above example
Explanation be merely used to help understand the present invention method and its core concept；Meanwhile for those of ordinary skill in the art,
According to the thought of the present invention, there will be changes in the specific implementation manner and application range, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Claims (15)
1. a kind of bank account methods of figuring interest based on personal account interest-bearing system, which is characterized in that including：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account of pending each bank account and corresponding
One account information generates each second account and corresponding each second account information；First account information includes：First product
Type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judge to correspond to the presence or absence of each first product type in the interest-bearing parameter list being locally stored according to first account information
Product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to described
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
2. the bank account methods of figuring interest according to claim 1 based on personal account interest-bearing system, which is characterized in that institute
The number format according to the bank account subregion is stated, according to the first account of pending each bank account and corresponding first
Account information generates each second account and corresponding each second account information, including：
According to the number format of the bank account subregion, the first account for being sequentially generated pending each bank account is corresponding
Second account；
Each first account information is mapped as corresponding each second account information；Second account information includes：Second
Product type and the second product number；Second product type identical product corresponding with first product type, which bears interest, joins
Number, the second product number are identical as the first product number.
3. the bank account methods of figuring interest according to claim 1 based on personal account interest-bearing system, which is characterized in that institute
It states each second account and corresponding each second account information storage to the bank account subregion, including：
Described store each second account successively arrives the bank account subregion；
Store corresponding with each second account of each second account information is arrived into the bank account subregion.
4. the bank account methods of figuring interest according to claim 2 based on personal account interest-bearing system, which is characterized in that also
Including：
If there are the corresponding product interest-bearing parameters of each first product type in the interest-bearing parameter list being locally stored, according to described
Two account informations and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
5. the bank account methods of figuring interest according to claim 2 or 4 based on personal account interest-bearing system, feature exist
In, it is described according to second account information and the interest-bearing parameter list, generate corresponding first account of second account
Each product interest, including：
It bears interest and joins according to each second product number, second product type and the corresponding product of second product type
Number generates corresponding each second product interest；
According to corresponding second account of each second product interest, each institute of corresponding first account of second account is generated
State the first product interest.
6. the bank account methods of figuring interest according to claim 1 based on personal account interest-bearing system, which is characterized in that also
Including：Empty the bank account subregion.
7. a kind of bank account interest-bearing system based on personal account interest-bearing system, which is characterized in that including：
Subregion setting unit, for bank account subregion to be arranged in the personal account tables of data being locally stored；
Second account and the second account information generation unit, for the number format according to the bank account subregion, according to waiting for
First account of each bank account of processing and corresponding first account information generate each second account and corresponding each second account
Family information；First account information includes：First product type and the first product number；
Account storage unit, for dividing each second account and corresponding each second account information storage to the bank account
Area；
Judging unit whether there is each first for judging according to first account information in the interest-bearing parameter list being locally stored
The corresponding product interest-bearing parameter of product type；
The first generation unit of product interest, for being inserted into the corresponding product of first product type in the interest-bearing parameter list
Interest-bearing parameter；According to second account information and the interest-bearing parameter list, corresponding first account of second account is generated
Each product interest.
8. the bank account interest-bearing system according to claim 7 based on personal account interest-bearing system, which is characterized in that institute
It states the second account and the second account information generation unit includes：
Second account generation module is sequentially generated pending each silver for the number format according to the bank account subregion
Corresponding second account of the first account of row account；
Second account information generation module, for each first account information to be mapped as corresponding each second account information,
Second account information includes：Second product type and the second product number；Second product type is produced with described first
Category type corresponds to identical product interest-bearing parameter, and the second product number is identical as the first product number.
9. the bank account interest-bearing system according to claim 7 based on personal account interest-bearing system, which is characterized in that institute
Stating account storage unit includes：
Second account memory module arrives the bank account subregion for described store each second account successively；
Second account information memory module, for store corresponding with each second account of each second account information to be arrived institute
State bank account subregion.
10. the bank account interest-bearing system according to claim 8 based on personal account interest-bearing system, which is characterized in that
Further include：The second generation unit of product interest, for according to second account information and the interest-bearing parameter list, described in generation
Each product interest of corresponding first account of second account.
11. the bank account interest-bearing system according to claim 8 based on personal account interest-bearing system, which is characterized in that
First generation unit of product interest includes：
Product interest-bearing parameter is inserted into module, for being inserted into the corresponding product of first product type in the interest-bearing parameter list
Interest-bearing parameter；
Second product interest generation module, for according to each second product number, second product type and described the
The corresponding product interest-bearing parameter of two product types generates corresponding each second product interest；
First product interest generation module, for according to corresponding second account of each second product interest, generating described the
Each first product interest of corresponding first account of two accounts.
12. the bank account interest-bearing system according to claim 10 based on personal account interest-bearing system, which is characterized in that
Second generation unit of product interest includes：
Second product interest generation module, for according to each second product number, second product type and described the
The corresponding product interest-bearing parameter of two product types generates corresponding each second product interest；
First product interest generation module, for according to corresponding second account of each second product interest, generating described the
Each first product interest of corresponding first account of two accounts.
13. the bank account interest-bearing system according to claim 7 based on personal account interest-bearing system, which is characterized in that
Further include：Subregion empties unit, for emptying the bank account subregion.
14. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor
Calculation machine program, which is characterized in that the processor realizes following steps when executing the computer program：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account of pending each bank account and corresponding
One account information generates each second account and corresponding each second account information；First account information includes：First product
Type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judge to correspond to the presence or absence of each first product type in the interest-bearing parameter list being locally stored according to first account information
Product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to described
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
15. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
Following steps are realized when being executed by processor：
Bank account subregion is set in the personal account tables of data being locally stored；
According to the number format of the bank account subregion, according to the first account of pending each bank account and corresponding
One account information generates each second account and corresponding each second account information；First account information includes：First product
Type and the first product number；
Each second account and corresponding each second account information are stored to the bank account subregion；
Judge to correspond to the presence or absence of each first product type in the interest-bearing parameter list being locally stored according to first account information
Product interest-bearing parameter；
If not, being inserted into the corresponding product interest-bearing parameter of first product type in the interest-bearing parameter list；According to described
Second account information and the interest-bearing parameter list generate each product interest of corresponding first account of second account.
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