CN108629679B

CN108629679B - Bank account interest counting method and system based on personal account interest counting system

Info

Publication number: CN108629679B
Application number: CN201810282743.0A
Authority: CN
Inventors: 彭丰华; 尹杰; 化金龙
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2018-04-02
Filing date: 2018-04-02
Publication date: 2021-10-08
Anticipated expiration: 2038-04-02
Also published as: CN108629679A

Abstract

The invention provides a bank account interest accounting method and system based on a personal account interest accounting system, comprising the following steps: setting a bank account partition in a locally stored personal account data table; according to the number format of the bank account partitions, generating second accounts and corresponding second account information according to the first accounts of the bank accounts to be processed and the corresponding first account information; the first account information includes: a first product type and a first product amount; storing each second account and corresponding second account information into a bank account partition; judging whether product interest parameters corresponding to the first product types exist in an interest parameter table stored locally or not according to the first account information; if not, inserting a product interest parameter corresponding to the first product type into the interest parameter table; and generating corresponding interest of each product of the first account according to the second account information and the interest parameter table. The invention has the advantages of improving the interest counting efficiency of the bank account, generating no redundant data and saving cost.

Description

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

Technical Field

The invention relates to the technical field of bank account charging, in particular to a bank account charging method and system based on a personal account charging system.

Background

The bank account refers to an account opened by the bank in other banks, and is managed and charged by other banks.

The individual account refers to an account opened by an individual at the bank, and is managed and charged by the bank.

Each bank account is an account created by the bank in another bank, and the bank also needs to calculate data such as the balance of each bank account and the acquired interest for statistical analysis. In the prior art, the method for calculating the accounts of all banks by the bank mainly comprises the following steps:

1. in the bank system, the bank account number and the balance are simply registered, and the bank account system does not have the function of automatic interest counting, and the interest of each bank account is manually calculated and checked with the actual interest of the bank accounts provided by other banks. The method has the defects that: the information such as interest, balance and the like obtained through manual calculation is not accurate; the manual calculation workload is large, and the risk of misoperation exists.

2. The bank account realizes automatic interest counting in the bank system, and a set of additional interest counting parameters and an interest counting processing program of the bank account are added in the bank system. The method has the defects that: the data generated by automatically calculating interest by the reestablished interest processing program is mixed with the data of the personal account number to interfere the data of the client account number of the system of the bank; and adding a set of interest-bearing parameters and an interest-bearing processing program to increase the workload.

Therefore, how to realize a rapid bank account automatic interest-metering technology without reserving redundant data and saving cost is a technical problem to be solved urgently at present.

Disclosure of Invention

In order to solve the defects in the prior art, the invention provides a bank account interest accounting method and system based on a personal account interest accounting system, which improve the bank account interest accounting efficiency and have the effects of not reserving redundant data and saving cost.

In order to achieve the above object, the present invention provides a bank account interest counting method based on a personal account interest counting system, which comprises:

setting a bank account partition in a locally stored personal account data table;

generating each second account and corresponding second account information according to the first account of each bank account to be processed and the corresponding first account information according to the numbering format of the bank account partition; the first account information includes: a first product type and a first product amount;

storing each second account and corresponding second account information to the bank account partition;

judging whether a product interest parameter corresponding to each first product type exists in an interest parameter table stored locally or not according to the first account information;

if not, inserting a product interest parameter corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table.

The invention also provides a bank account interest-counting system based on the personal account interest-counting system, which comprises the following components:

the partition setting unit is used for setting bank account partitions in the locally stored personal account data table;

the second account and second account information generating unit is used for generating each second account and corresponding second account information according to the first account of each bank account to be processed and corresponding first account information according to the numbering format of the bank account partition; the first account information includes: a first product type and a first product amount;

the account storage unit is used for storing each second account and corresponding second account information to the bank account partition;

the judging unit is used for judging whether a product interest parameter corresponding to each first product type exists in an interest parameter table stored locally according to the first account information;

the product interest first generation unit is used for inserting the product interest parameters corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table.

The present invention also provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

The present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:

The bank account interest accounting method and system based on the personal account interest accounting system provided by the invention comprises the steps of setting a bank account partition in a locally stored personal account data table; generating each second account and corresponding second account information according to the first account of each bank account to be processed and the corresponding first account information according to the numbering format of the bank account partition; the first account information includes: a first product type and a first product amount; storing each second account and corresponding second account information to the bank account partition; judging whether a product interest parameter corresponding to each first product type exists in an interest parameter table stored locally or not according to the first account information; if not, inserting a product interest parameter corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table. The invention automatically calculates the product interest of each bank account based on the original personal account interest system, and has the technical effects of improving the bank account interest efficiency, not reserving redundant data and saving cost.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flow chart of a bank account interest-counting method based on a personal account interest-counting system according to the present invention;

FIG. 2 is a flowchart of step S102 in an embodiment of the present invention;

FIG. 3 is a flowchart of step S103 in one embodiment of the present invention;

FIG. 4 is a flowchart of step S105 in an embodiment of the present invention;

FIG. 5 is a flow chart of a bank account interest-keeping method based on a personal account interest-keeping system according to another embodiment of the present invention;

FIG. 6 is a flow chart of a bank account interest-keeping method based on a personal account interest-keeping system according to another embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a bank account interest-bearing system based on a personal account interest-bearing system according to the present invention;

fig. 8 is a schematic structural diagram of a second account and second account information generating unit 702 according to an embodiment of the present invention;

FIG. 9 is a diagram illustrating the structure of the account storage unit 703 in an embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a bank account billing system based on a personal account billing system according to an embodiment of the present invention;

fig. 11 is a schematic structural diagram of a first product interest generation unit 705 according to an embodiment of the present invention;

fig. 12 is a schematic structural diagram of the second generation unit 706 for product interest according to an embodiment of the present invention;

fig. 13 is a schematic structural diagram of a bank account interest-bearing system based on a personal account interest-bearing system in an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

As used herein, the terms "first," "second," … …, etc. do not denote any order or order, nor are they used to limit the invention, but rather are used to distinguish one element from another element or operation described by the same technical terms.

As used herein, "electrically coupled" may mean that two or more elements are in direct physical or electrical contact with each other, or in indirect physical or electrical contact with each other, and "electrically coupled" may mean that two or more elements operate or act in conjunction with each other.

As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including, but not limited to.

As used herein, "and/or" includes any and all combinations of the described items.

With respect to directional terminology used herein, for example: up, down, left, right, front or rear, etc., are referred to only in the direction of the attached drawings. Therefore, the directional terminology is used for purposes of illustration and is in no way limiting.

Aiming at the defects in the prior art, the invention provides a bank account interest counting method based on a personal account interest counting system, a flow chart of which is shown in figure 1, and the method comprises the following steps:

s101: and setting a bank account partition in a locally stored personal account data table.

The bank account partition refers to an account partition which is set by the personal account data table and used for storing the personal accounts corresponding to the bank accounts. The locally stored personal account data table comprises a plurality of account partitions, the number formats of the account partitions are the same, the first digit numbers of the account partition numbers are different, and the account partition to which the first digit numbers of the account partition numbers belong can be identified. For example, the first digit of the partition number of the account partition 1 is 1, the first digit of the partition number of the account partition 9 is 9, and the digits of the account partition numbers are the same.

S102: according to the number format of the bank account partitions, generating second accounts and corresponding second account information according to the first accounts of the bank accounts to be processed and the corresponding first account information; the first account information includes: a first product type and a first product amount.

For example, the numbering format of the bank account partition is a 13 digit numbering format beginning with 9. The first account of each bank account refers to an account created by the bank account in other banks, the second account refers to an account created by the bank account in the bank, and the number format of the second account is the same as the personal account format of the bank.

S103: and storing each second account and the corresponding second account information into the bank account partition. And the second account information are stored in the bank account partition in a one-to-one correspondence manner.

S104: and judging whether the product interest parameters corresponding to the first product types exist in the locally stored interest parameter table or not according to the first account information.

S105: if not, inserting a product interest parameter corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table.

The interest parameter table is used for storing product interest parameters corresponding to different product types.

As can be seen from the flow shown in fig. 1, the interest accounting system based on the personal account according to the present invention realizes automatic interest accounting for the bank account through the above steps, and has the technical effects of high interest accounting efficiency and cost saving.

In one embodiment, as shown in fig. 2, step S102 includes:

s201: and sequentially generating second accounts corresponding to the first accounts of the bank accounts to be processed according to the numbering format of the bank account partitions.

In particular, the first account of the bank account has 19 digits (obtained by the bank when the bank creates the account), and the numbering format of the bank account partition is 13 digits with 9 as the first digit. Each first account of the bank accounts is set to be 1000000000000000001, 1000000000000000002, … …, 1000000000000000009, 1000000000000000010, the partition start number of the bank account partition is 9000000000001, each second account (the corresponding personal account created by each bank account in the present behavior) starts the serial number from the partition start number of the bank account partition, and the corresponding relation between each first account and the first account is 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: mapping each first account information to corresponding second account information; the second account information includes: a second product type and a second product amount; the second product type corresponds to the same product interest parameter as the first product type, and the second product amount is the same as the first product amount.

In a specific implementation, the manner in which each piece of first account information is mapped to each corresponding piece of second account information is a manner in which each piece of first account information is copied to each corresponding piece of second account information, and the present invention is not limited to this. Therefore, the second product type corresponds to the same product interest parameter as the first product type, and the second product amount is the same as the first product amount.

The first product type of each piece of first account information may be at least one of a financial product a, a financial product B, a demand deposit, a periodic deposit and the like, the corresponding first product amount specifically includes 10 thousands of the amount of the property item a, 100 thousands of the amount of the financial product B, 10 thousands of the demand deposit amount, 5 thousands of the periodic deposit amount and the like, and the first product amount of each piece of first account information may be the same or different. The second account information is generated by copying the first account information, so the second product types comprise a financial product A, a financial product B, a demand deposit, a periodic deposit and the like, and the second product amounts specifically comprise 10 thousands of property A amounts, 100 thousands of financial product B amounts, 10 thousands of demand deposit amounts, 5 thousands of periodic deposit amounts and the like. For example, the correspondence between the first product type and the first product amount of a first account is shown in table 2, and the correspondence between the corresponding second product type and the second product amount is shown in table 3. The first account information further comprises first product purchase time corresponding to the first product type, the second account information further comprises second product purchase time corresponding to the second product type, and the first product purchase time is the same as the corresponding second product purchase time.

TABLE 2

A first product type	First product amount (RMB)	Time of purchase of first product
			Financing product A	10 ten thousand	1 month
Financing product B	100 ten thousand	2 months old
			Deposit in due period	10 ten thousand	2 years old
Periodic deposits	5 ten thousand	1 week

TABLE 3

The second product type	Second product amount (RMB)	Second product purchase time
			Financing product A	10 ten thousand	1 month
Financing product B	100 ten thousand	2 months old
			Deposit in due period	10 ten thousand	2 years old
Periodic deposits	5 ten thousand	1 week

In one embodiment, as shown in fig. 3, step S103 includes:

s301: and sequentially storing the second accounts in the bank account partition.

In specific implementation, as shown in table 2, the second accounts are sequentially stored in the bank account partition by batch processing. Each of the second accounts 9000000000001, 9000000000002, … …, 9000000000010 is stored in turn to partition 9, the bank account partition.

S302: and correspondingly storing the second account information and the second accounts into the bank account partition.

In specific implementation, the second account information and each second account are stored in the bank account partition in a one-to-one correspondence manner, and the relationship between each second account information and the corresponding second account is set as shown in table 4 by taking 10 second accounts as an example.

TABLE 4

In one embodiment, as shown in fig. 4, the step S105 includes:

s401: and inserting a product interest parameter corresponding to the first product type into the interest parameter table.

Inserting product interest parameters corresponding to the first product type into the interest parameter table

In specific implementation, according to each first product type (financial product a, financial product B, current deposit, periodic deposit, etc.), product interest parameters corresponding to each first product type are inserted into the locally stored interest parameter table to generate a new interest parameter table, as shown in table 5.

TABLE 5

S402: and generating corresponding interest of each second product according to the amount of each second product, the type of each second product and the product interest parameters corresponding to the type of each second product.

In specific implementation, the corresponding interest of each second product is generated according to the amount of the second product in the table 4, the type of the second product and the corresponding interest parameters of the second product in the table 5. Taking the second account 9000000000001 in Table 4 as an example, the corresponding interest of the second product is calculated. According to the method, the purchase time is 1 month, the corresponding product interest parameters of the financial product A in the table 5 are 1 ten thousand yuan, the annual interest rate is 4.62% and the product interest parameters cannot be redeemed within 6 months, the product interest of the financial product A of the second account 9000000000001 reaching the current date is calculated to be M, the product interest of the 10 ten thousand lifetime deposit of the second account 9000000000001 reaching the current date is calculated to be N, the purchase time is 2 years, the product interest parameters of the lifetime deposit in the table 5 are the annual interest rate is 3.5%, the product interest of the 10 ten thousand lifetime deposit of the second account 9000000000001 reaching the current date is calculated to be M, and the product interest of the second account 9000000000001 reaching the current date is T + N, and the second product interest corresponding to the rest second accounts is calculated.

S403: and generating the interest of each first product of the first account corresponding to the second account according to the second account corresponding to the interest of each second product.

In specific implementation, taking the second account 9000000000001 as an example, as shown in table 1, the first account corresponding to the second account 9000000000001 is 1000000000000000001, the second product interest of the second account 9000000000001 is T, and the first product interest of the first account 1000000000000000001 is T ', and a specific mapping manner may be to directly copy T to T ', or assign T to T ', and finally make T ═ M + N. With reference to the above implementation steps, interest in the first product of each first account is generated.

In one embodiment, as shown in fig. 5, the bank account billing method based on the personal account billing system further includes:

s106: and if the product interest parameters corresponding to the first product types exist in the locally stored interest parameter table, generating the product interest of the first account corresponding to the second account according to the second account information and the interest parameter table.

In specific implementation, the specific implementation process of step S106 includes steps S402 and S403, and the specific implementation process of step S106 is not described herein again.

Through the steps S105 and S106, whether the interest parameter table is adjusted or not can be flexibly selected, and the method has the technical effects of high interest efficiency and cost saving.

In one embodiment, as shown in fig. 6, the bank account billing method based on the personal account billing system further includes:

s107: and clearing the bank account partition.

In specific implementation, the bank account partition is cleared, data generated in the process of calculating the second product interest of each second account is cleared, the first product interest of each first account is sent to a receiving system of each first product interest, and the first product interest of each first account generated based on the personal account interest system is deleted. Therefore, the invention prevents the data generated by the first account and the second account of the bank account from being mixed with the personal account data in the personal account interest system to interfere the interest data of the personal account of the internal account interest system, and has the advantage of no redundant data persistence in the interest process of the bank account.

Based on the same application concept as the bank account interest-counting method based on the personal account interest-counting system, the invention also provides a bank account interest-counting system based on the personal account interest-counting system, as the following embodiment. Because the principle of solving the problems of the bank account interest system based on the personal account interest system is similar to the bank account interest method based on the personal account interest system, the implementation of the bank account interest system based on the personal account interest system can refer to the implementation of the bank account interest method based on the personal account interest system, and repeated parts are not repeated.

Fig. 7 is a schematic structural diagram of a bank account interest-keeping system based on a personal account interest-keeping system according to the present invention, as shown in fig. 7, the system includes: a partition setting unit 701, a second account and second account information generating unit 702, an account storage unit 703, a judging unit 704, and a first product interest generating unit 705.

A partition setting unit 701, configured to set a bank account partition in a locally stored personal account data table.

A second account and second account information generating unit 702, configured to generate each second account and corresponding second account information according to the first account of each bank account to be processed and corresponding first account information according to the numbering format of the bank account partition; the first account information includes: a first product type and a first product amount.

The account storage unit 703 is configured to store each second account and information corresponding to each second account in the bank account partition.

The determining unit 704 is configured to determine whether a product interest parameter corresponding to each first product type exists in the locally stored interest parameter table according to the first account information.

A product interest first generating unit 705, configured to insert a product interest parameter corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table.

In one embodiment, as shown in fig. 8, the second account and second account information generating unit 702 includes: a second account generation module 801 and a second account information generation module 802.

The second account generating module 801 is configured to sequentially generate second accounts corresponding to the first accounts of the bank accounts to be processed according to the numbering format of the bank account partition.

A second account information generating module 802, configured to map each piece of first account information into corresponding second account information, where the second account information includes: a second product type and a second product amount; the second product type corresponds to the same product interest parameter as the first product type, and the second product amount is the same as the first product amount.

In one implementation, as shown in fig. 9, the account storage unit 703 includes: a second account storage module 901 and a second account information storage module 902.

The second account storage module 901 is configured to store each second account in the bank account partition in sequence.

The second account information storage module 902 is configured to store each second account information and each second account into the bank account partition correspondingly.

In one implementation, as shown in fig. 10, the system further comprises: a second generation unit 706 of product interest.

And a second product interest generating unit 706, configured to generate each product interest of the first account corresponding to the second account according to the second account information and the interest parameter table.

In one implementation, as shown in fig. 11, the first product interest generation unit 705 includes: a product interest parameter inserting module 1101, a second product interest generating module 1102 and a first product interest generating module 1103.

The product interest parameter inserting module 1101 is configured to insert a product interest parameter corresponding to the first product type into the interest parameter table.

And a second product interest generating module 1102, configured to generate corresponding second product interests according to the second product amounts, the second product types, and the product interest parameters corresponding to the second product types.

The first product interest generating module 1103 is configured to generate each first product interest of the first account corresponding to the second account according to the second account corresponding to each second product interest.

In one implementation, as shown in fig. 12, the second generation unit 706 of product interest includes: a second product interest generation module 1201 and a first product interest generation module 1202.

A second product interest generating module 1201, configured to generate corresponding second product interests according to the second product amounts, the second product types, and the product interest parameters corresponding to the second product types;

the first product interest generating module 1202 is configured to generate each first product interest of the first account corresponding to the second account according to the second account corresponding to each second product interest.

In one implementation, as shown in fig. 13, the system further comprises: and a partition clearing unit 707 configured to clear the bank account partition.

Based on the same application concept as the bank account interest counting method based on the personal account interest counting system, the application provides a computer device, as described in the following embodiments. Because the principle of solving the problems of the computer equipment is similar to the bank account information method based on the personal account information system, the implementation of the computer equipment can refer to the implementation of the bank account information method based on the personal account information system, and repeated parts are not described again.

In one embodiment, a computer device comprises: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program, as shown in fig. 1:

S103: and storing each second account and the corresponding second account information into the bank account partition.

Based on the same application concept as the bank account interest counting method based on the personal account interest counting system, the application provides a computer readable storage medium, as described in the following embodiments. Because the principle of solving the problems of the computer-readable storage medium is similar to the bank account information method based on the personal account information system, the implementation of the computer-readable storage medium can refer to the implementation of the bank account information method based on the personal account information system, and repeated parts are not described again.

In one embodiment, a computer readable storage medium has stored thereon a computer program, as shown in FIG. 1, which when executed by a processor, performs the steps of:

The invention provides a bank account interest accounting method and system based on a personal account interest accounting system, comprising the following steps: setting a bank account partition in a locally stored personal account data table; according to the number format of the bank account partitions, generating second accounts and corresponding second account information according to the first accounts of the bank accounts to be processed and the corresponding first account information; the first account information includes: a first product type and a first product amount; storing each second account and corresponding second account information into a bank account partition; judging whether a product interest parameter corresponding to each first product type exists in an interest parameter table stored locally or not according to the first account information; if not, inserting a product interest parameter corresponding to the first product type into the interest parameter table; and generating the interest of each product of the first account corresponding to the second account according to the second account information and the interest parameter table. The interest accounting system based on the personal account has the technical effects of improving the interest accounting efficiency of the bank account, not reserving redundant data and saving cost.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A bank account interest accounting method based on a personal account interest accounting system is characterized by comprising the following steps:

2. The bank account interest accounting method based on the personal account interest accounting system according to claim 1, wherein the generating of the second accounts and the corresponding second account information according to the first accounts and the corresponding first account information of the bank accounts to be processed according to the numbering format of the bank account partitions comprises:

sequentially generating second accounts corresponding to the first accounts of the bank accounts to be processed according to the number formats of the bank account partitions;

mapping each piece of first account information into corresponding second account information; the second account information includes: a second product type and a second product amount; the second product type corresponds to the same product interest parameter as the first product type, and the second product amount is the same as the first product amount.

3. The bank account interest accounting method based on the personal account interest accounting system according to claim 1, wherein the storing each second account and corresponding second account information to the bank account partition comprises:

the second accounts are sequentially stored in the bank account partition;

and correspondingly storing the second account information and the second accounts into the bank account partition.

4. The bank account interest accounting method based on the personal account interest accounting system according to claim 2, further comprising:

and if the product interest parameters corresponding to the first product types exist in the locally stored interest parameter table, generating the product interest of the first account corresponding to the second account according to the second account information and the interest parameter table.

5. The bank account interest accounting method based on the personal account interest accounting system according to claim 2 or 4, wherein the generating of the product interest of the first account corresponding to the second account according to the second account information and the interest accounting parameter table comprises:

generating corresponding interest of each second product according to the amount of each second product, the type of each second product and the product interest parameters corresponding to the type of each second product;

and generating each first product interest of the first account corresponding to the second account according to the second account corresponding to each second product interest.

6. The bank account interest accounting method based on the personal account interest accounting system according to claim 1, further comprising: and emptying the bank account partition.

7. A bank account billing system based on a personal account billing system, comprising:

8. The bank account information system based on the personal account information system according to claim 7, wherein the second account and second account information generating unit includes:

the second account generation module is used for sequentially generating second accounts corresponding to the first accounts of the bank accounts to be processed according to the numbering format of the bank account partitions;

a second account information generating module, configured to map each piece of the first account information to corresponding each piece of second account information, where the second account information includes: a second product type and a second product amount; the second product type corresponds to the same product interest parameter as the first product type, and the second product amount is the same as the first product amount.

9. The bank account interest system based on the personal account interest system of claim 7, wherein the account storage unit comprises:

the second account storage module is used for sequentially storing each second account into the bank account partition;

and the second account information storage module is used for correspondingly storing each piece of second account information and each second account into the bank account partition.

10. The bank account interest system based on the personal account interest system of claim 8, further comprising: and the second product interest generation unit is used for generating each product interest of the first account corresponding to the second account according to the second account information and the interest parameter table.

11. The bank account interest system based on the personal account interest system of claim 8, wherein the first generation unit of product interest includes:

the product interest parameter inserting module is used for inserting the product interest parameters corresponding to the first product type into the interest parameter table;

the second product interest generating module is used for generating corresponding second product interest according to the second product amount, the second product type and the product interest parameters corresponding to the second product type;

and the first product interest generating module is used for generating each first product interest of the first account corresponding to the second account according to the second account corresponding to each second product interest.

12. The bank account interest system based on the personal account interest system of claim 10, wherein the product interest second generating unit comprises:

13. The bank account interest system based on the personal account interest system of claim 7, further comprising: and the partition emptying unit is used for emptying the bank account partition.

14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the steps of:

15. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of: