CN1713229A - Balancing system and method for current account - Google Patents
Balancing system and method for current account Download PDFInfo
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- CN1713229A CN1713229A CN 200410025345 CN200410025345A CN1713229A CN 1713229 A CN1713229 A CN 1713229A CN 200410025345 CN200410025345 CN 200410025345 CN 200410025345 A CN200410025345 A CN 200410025345A CN 1713229 A CN1713229 A CN 1713229A
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Abstract
A balance system of current account comprises storage unit of current account, storage unit of time account, judging device for determining whether deposit in current account exceeds a preset amount G and executing device for depositing the amount of money exceeding preset amount G into current account being newly opened by the device.
Description
Technical field
The present invention relates to a kind of information handling system and method, particularly a kind of system and method for handling client's current account information.
Background technology
Current account in the bank is a kind of account very easily, as long as be no more than the remaining sum in the current account, the client can carry out access to current account at any time.Compare with current account, the access of savings account is just seemed dumb and not convenient.In a single day the client has opened a savings account with certain amount of money, just can not deposit amount of money in once more in this savings account.Extraction to savings account also has certain restriction, though the interest rate of savings account is high, must hold the time deposit time limit, just can obtain regular interest rate.If draw in advance, can only obtain the rate of call.And in accordance with regulations, the part of savings account is drawn in advance, can only be once.Promptly if to savings account once more the part draw, just have money on deposit proposition must be nullified this fixedly account.
For there being a large amount of cashes to pass in and out mobile client continually, in order to enjoy higher interest repayment, hope will be made the time deposit of certain hour at the wherein a part of cash in flowing.Yet concerning a part of client, be difficult to estimate the flow and the timeliness (for example carrying out the client of stock, securities, fund, national debt operation) of cash turnover with bank account.The method to set up of current account and savings account is not suitable for this part client's cash flow management like this, at present.
Summary of the invention
The signal conditioning package that the purpose of this invention is to provide a kind of novelty is used for handling effectively current account ground cash flow management.
To achieve these goals, treating apparatus of the present invention comprises:
The current account memory storage is used to store a current account;
The savings account memory storage is used to store one or more along with to the deposit of current account and drawing and the savings account of dynamically setting up and cutting out.
Judgment means is used for judging whether the deposit of described current account exceeds a subscription rate G;
Actuating unit, the amount of money that is used to offer one or more current accounts and will exceed subscription rate G deposits described current account in.
In order to achieve the above object, the present invention also provides a kind of method, comprises the steps:
Store a current account;
Store one or more along with to the deposit of current account and drawing and the savings account of dynamically setting up and closing.
Judge whether the deposit in the described current account exceeds a subscription rate G;
The amount of money of offering one or more current accounts and will exceeding subscription rate G deposits described current account in.
Compared with prior art, beneficial effect of the present invention is, under the situation that a large amount of and random cash flow turnover are arranged, the client can select the corresponding cash mode of operation of demand deposit and use and demand deposit, and the benefit of enjoying savings account simultaneously is with convenient.
Description of drawings
Fig. 1 is the system 100 that the present invention is used for the mobile equilibrium current account.
The demonstrative structure of a certain server shown in Fig. 3 presentation graphs 2.
The 302 more detailed structures of processing element shown in Fig. 4 A presentation graphs 3.
Fig. 4 B represents the data and the program of storage in as shown in Figure 3 the external memory parts 306.
Fig. 5 A is when current account 412-1 is deposited, and newly sets up three regular shadow accounts (412-1-1,414-1-2, examples 414-1-3).
Fig. 5 B is when current account is marked amount of money, the example of two regular shadow account 412-1-1 of temporary close and 412-1-2.
Fig. 5 C is when current account is deposited once more, an example that is resumed again by the regular shadow account of temporary close.
Fig. 6 is the operational flowchart of the present invention when deposit in current account.
The operating process that Fig. 7 is the present invention when current account is remitted money.
To be the present invention during again to current account deposits, recover the regular shadow account's of temporary close operating process the client to Fig. 8 again.
Embodiment
Fig. 1 is the system 100 that the present invention is used for the mobile equilibrium current account.As shown in Figure 1, system 100 comprises computer network 6, bank computer system 10, bank service terminal 12 and client terminal 16.By computer network 6, can carry out communication between bank computer system 10 and the client terminal 16.In addition, by special line 11, bank service terminal 12 can be carried out communication with bank computer system 10.
The demonstrative structure of a certain server shown in Fig. 3 presentation graphs 2.As shown in Figure 3, a certain server shown in Fig. 2 comprises a processing element 302,306, one disk drive interface 308 of 304, one external memory parts of stored parts (hard disk), a display 310,316, one input/output interfaces 318 of 312, one network communication interfaces of a display interface, 320, one keyboards 322 of a mouse and a group system bus 314.
External memory parts (hard disk) 306 links to each other with disk drive interface 308; Display 310 links to each other with display interface 312; Mouse 320 and keyboard 322 link to each other with input/output interface 318.
Stored parts 304 and external memory parts 306 can stored programmes, instruction and data.In general, stored parts 304 have access speed faster, and external memory parts 306 have bigger memory capacity.Display 310 can provide a visual interface between program of carrying out and user.Network communication interface 316 can provide a communication interface between computer system network 6 and this server.
The 302 more detailed structures of processing element shown in Fig. 4 A presentation graphs 3.Shown in Fig. 4 A, processing element 302 comprises 404, one arithmetic operating apparatus 406 of 403, one logical calculation devices of 402, one control device of a code translator and an actuating unit 408.Code translator 402 can be translated into the computer-internal control signal with an instruction; Logical calculation device 404 can come the actuating logic computing according to control signal; Arithmetic operating apparatus 406 can be carried out arithmetical operation according to control signal; Actuating unit 408 can come turning to of executable operations external unit, access memory storage parts 304 and external memory parts 306, control device 403 energy control operation results and operating process according to control signal.
Fig. 4 B represents the data and the program of storage in as shown in Figure 3 the external memory parts 306.Shown in Fig. 4 B, external storage component has current account data 412 in 306, regularly shadow account data 414 and current account self-poise program 418.Current account self-poise program 418 can realize Fig. 6～process flow diagram function shown in Figure 8.
Each current account as 1234567800 (412-1), can be associated with one or more regular shadow accounts, as 123456780001 (412-1-1), and 123456780002 (412-1-2), 123456780003 (412-1-3) ...These regular shadow accounts have the advantage that general savings account has, but these regular shadow accounts are when relevant current account is deposited in amount of money, dynamically set up; Also can be when relevant current account be marked amount of money, dynamically temporary close.In order to set up and manage regular shadow account rationally and effectively, the present invention is provided with the predetermined amount of money G of a regular shadow account, when the amount of money in the current account is scheduled to amount of money G greater than regular shadow account, bank computer system 10 is just newly set up one or more regular shadow accounts for this current account, and the part greater than predetermined amount of money G in the current account is deposited among described one or more regular shadow account.For the client of current account, these regular shadow accounts can be transparent.That is to say that the client operates its account according to the general procedure of current account fully, and need not take the regular shadow account who is associated with this current account fully into account.If this customer requirement is inquired about the deposit in its current account, bank computer system 10 can be offered this client with sum with the amount of money addition among the amount of money in this current account and the relevant regular shadow account.
Fig. 5 A is when current account 412-1 is deposited, and newly sets up three regular shadow accounts (412-1-1,414-1-2, examples 414-1-3).
In order to narrate conveniently, we suppose that the predetermined amount of money G of regular shadow account is 50,000 yuan of Renminbi (50,000 yuan of RMB), 20,000 yuan of amount of money Renminbi (ten thousand yuan of RMB2) are arranged among the current account 412-1, and the client will deposit 160,000 yuan of Renminbi (160,000 yuan of RMB) among the current account 412-1 in.
Fig. 5 B is when current account is marked amount of money, the example of two regular shadow account 412-1-1 of temporary close and 412-1-2.
In order to narrate conveniently, we suppose that 30,000 yuan of amount of money Renminbi are arranged among the current account 412-1 (30,000 yuan of RMB), and the client will mark current account 412-1 with 120,000 yuan of Renminbi (120,000 yuan of RMB).
Fig. 5 C is when current account is deposited once more, an example that is resumed again by the regular shadow account of temporary close.
In order to narrate conveniently, we suppose that deposit is 10,000 yuan of Renminbi (10,000 yuan of RMB) among the current account 412-1, and the client deposits 60,000 yuan of Renminbi (60,000 yuan of RMB) in current account.
Fig. 6 is the operational flowchart of the present invention when deposit in current account.
As shown in Figure 6, in step 602, a certain client passes through bank service terminal 12 to its current account deposits.In order to narrate conveniently, we suppose that this client deposits 160,000 yuan of Renminbi (160,000 yuan of RMB) in the current account 412-1 shown in Fig. 5 A; Originally have 20,000 yuan of Renminbi (20,000 yuan of RMB) among the account, regularly shadow account's predetermined amount of money G is 50,000 yuan of Renminbi (50,000 yuan of RMB).
In step 604, processing element 302 is judged by its logical calculation device 404, whether surveys total deposit H greater than G (50,000 yuan of RMB).This moment, total deposit H was that deposit adds the amount of money in the original current account.
If total deposit H is less than or equal to predetermined amount of money G, 403 of the control device of processing element 302 forward flow operations to step 605, directly deposit to current account; If total deposit H is greater than predetermined amount of money G, 403 of the control device of processing element 302 forward flow operations to step 606.
Because in the example of Fig. 5 A, deposit and be 160,000 yuan of RMB, add among the current account 412-1 20,000 yuan of original RMB, total deposit H is 180,000 yuan of RMB, greater than 50,000 yuan of subscription rate RMB, so operating process forwards step 606 to.
In step 606, the arithmetic operating apparatus 406 in the processing element 302 calculate the current shadow account's that will newly set up number N.Its computing method are for using aggregate amount H divided by predetermined amount of money G, and the merchant of gained rounds the number N that is the regular shadow account that will set up.Formula is as follows:
N=[aggregate amount H/ is scheduled to amount of money G]
Round
Because in the example of Fig. 5 A, aggregate amount is 180,000 yuan of RMB, so N equals 3.
In step 608, the actuating unit 408 in the processing element 302 is offered N shadow account regularly on the memory unit 306 outside, and deposits predetermined amount of money G in each regular shadow account in.
In the example shown in Fig. 5 A, because N=3, actuating unit 408 in the processing element 302 is offered 3 regular shadow accounts (promptly 12345678.0001,12345678.0002,12345678.0003) outside on the memory unit 306 and deposit ten thousand yuan of RMB5 in each regular shadow account.
In step 610, actuating unit in the processing element 302 408 deposits left fund in current account.Calculate [aggregate amount H/ is scheduled to amount of money G]
RoundThe time gained remainder be the left fund that deposits in the current account.
In the example shown in Fig. 5 A, left fund is 30,000 yuan of RMB (18/5 remainder is 3).So the amount of money that deposits current account 412-1 in is 30,000 yuan of RMB.
The operating process that Fig. 7 is the present invention when current account is remitted money.
As shown in Figure 7, in step 702, a certain client requires to mark amount of money T by client terminal 16 (or bank service terminal 12) to bank computer system from its current account.
In order to narrate conveniently, we suppose remit money 120,000 yuan of RMB of customer requirement from the current account 412-1 shown in Fig. 5 B.Originally had 30,000 yuan of RMB in the current account, the subscription rate G among each regular shadow account is 50,000 yuans of RMB.
In step 704, the logical calculation device 404 in the processing element 302 is judged, surveys aggregate amount H and whether be greater than or equal to the volume T that remits money from current account.
If aggregate amount H is greater than or equal to the volume T that remits money, 403 of the control device in the processing element 302 forward operating process to step 706; If aggregate amount H is less than the volume T that remits money, 403 of the control device in the processing element 302 forward operating process to step 707, directly mark drawing volume T from current account.
If aggregate amount H is less than the volume T that remits money from current account, in step 708, the arithmetic operating apparatus 406 in the processing element 302 calculate need be from regular shadow account institute's drawing volume B (B=H-T).
Because in the example of Fig. 5 B, the aggregate amount H in current account 412-1 is ten thousand yuan of RMB3, and the volume T of remitting money is 120,000 yuan of RMB, need be 90,000 yuan of RMB from the drawing volume B the regular shadow account.
In step 708, the arithmetic operating apparatus 406 in the processing element 302 is calculated regular shadow account and is counted N and equal savings account drawing volume B divided by predetermined amount of money G, and the merchant of gained rounds the number N that is regular shadow account.Formula is as follows:
N=[savings account drawing volume B/ is scheduled to amount of money G]
Round
Because savings account drawing volume B equals 90,000 yuan of RMB in the example of Fig. 5 B, predetermined amount of money G is 50,000 yuan of RMB, and N equals 1.
In step 710, if when calculating N, do not have remainder, 408 of the actuating units in the processing element 302 are withdrawn the money from N regular shadow account, and this N of temporary close regular shadow account; If remainder is arranged when calculating N, 408 of actuating units in the processing element 302 are withdrawn deposit from (N+1) individual regular shadow account, and this N+1 of temporary close regular shadow account.
Because in the example of Fig. 5 B, when calculating N, left fund (remainder of B/G=9/5 is 4) is arranged, from 2 regular shadow accounts so in step 710, the actuating unit 408 in the processing element 302 is withdrawn the money.
In step 711, actuating unit 408 drawing money from a bank from current account in the processing element 302, and with its with regular shadow account in the addition of taking-up amount of money.
In the example of Fig. 5 B, because the taking-up amount of money among the current account 412-1 is 30,000 yuan of RMB, (414-1-1,414-1-2) the middle amount of money that takes out is ten thousand yuan of RMB10, is 130,000 yuan of RMB so always take out amount of money from 2 regular shadow accounts.
In step 712, the logical calculation device 404 in the processing element 302 judges whether survey the summation of taking out amount of money has left fund after remitting money, if there is not left fund, 403 of the control device in the processing element 302 turn to end with operating process; If left fund is arranged, 403 operating processes of the control device in the processing element 302 turn to step 714.
In the example shown in Fig. 5 B, always proposing amount of money is 130,000 yuan of RMB, and marking amount of money is 120,000 yuan of RMB, and left fund is 10,000 yuan of RMB, so operation turns to step 714.
In step 714, actuating unit in the processing element 302 408 deposits left fund in current account.In the example shown in Fig. 5 B, left fund RMB is deposited back current account 412-1 for 10,000 yuan.
Propose deposit from regular shadow account after, the present invention just inner these the regular shadow accounts of temporary close of bank, does not nullify them at once.If before the regulation time limit (for example before 12 o'clock mornings of every day), this client deposits in relevant current account again, and the regular shadow account of these temporary closes also can be resumed.Just after surpassing the regulation time limit, and do not have again under the situation of current account deposits, the present invention just can nullify these regular shadow accounts again, and the savings account of Hui Fuing keeps its original time deposit time limit again.Like this, if this regular shadow account's the deposit time limit be this account by the next day of temporary close, the regular shadow account who is resumed so just can receive the fixed-term deposit rate in 1 year in inferior sky.
To be the present invention during again to current account deposits, recover the regular shadow account's of temporary close operating process the client to Fig. 8 again.
As shown in Figure 8, in step 802, regular shadow account by the prescribed timelimit of temporary close in (being generally 24 hours), the client is again to current account deposits.In order to narrate conveniently, we deposit 60,000 yuan of RMB again at hypothesis in the current account 412-1 shown in Fig. 5 C, 10,000 yuan of RMB are originally arranged in the current account.Regularly shadow account's predetermined amount of money G is 50,000 yuan of RMB.
In step 804, the logical calculation device 404 in the processing element 302 is judged, whether surveys total deposit H greater than subscription rate G (50,000 yuan of RMB).At this moment total deposit H is that deposit adds the amount of money in the original current account.
If total deposit H is less than or equal to subscription rate G, 403 of the control device in the processing element 302 forward flow operations to step 805; If total deposit H is greater than subscription rate G, 403 of the control device in the processing element 302 forward flow operations to step 806.
In step 805, the actuating unit 408 in the processing element 302 is directly to current account deposits.
In step 806, the arithmetic operating apparatus 406 in the processing element 302 is calculated the regular shadow account that will relate to and is counted M.Because in the example of Fig. 5 C, total specified number H is 70,000 yuan of RMB, M=7/5=1.
In step 808, because the demand deposit of newly depositing is (to be generally in 24 hours) in the temporary close prescribed timelimit regular shadow account, actuating unit 408 in the processing element 302 recovers the regular shadow account 414-1 of temporary close, and deposits 50,000 yuan of RMB in this regular shadow account.Because savings account must be held the time deposit time limit and could obtain corresponding fixed-term interest, so try not to cancel in advance.
Suppose that after shadow account 414-2 temporary close regularly, (being generally 12 o'clock mornings) do not deposit once more to current account in the regulation time limit, the regular shadow account 414-1-2 of temporary close will be canceled.
The program of finishing as Fig. 6～process flow diagram shown in Figure 8 can be stored in stored parts 304 or the external memory parts 308, and can carry out by processed parts 302.
Claims (6)
1. current account balance device comprises:
The current account memory storage is used to store a current account;
The savings account memory storage is used to store one or more along with to the deposit of current account and drawing and the savings account of dynamically setting up and cutting out.
Judgment means is used for judging whether the deposit of described current account exceeds a subscription rate G;
Actuating unit, the amount of money that is used to offer one or more current accounts and will exceed subscription rate G deposits described current account in.
2. current account balance device as claimed in claim 1,
Described judgment means can also be used for judging whether requirement exceeds subscription rate G from the amount of money that described current account number marks;
Described actuating unit can the one or more regular account numbers of temporary close and the one or more regular account number that will close in amount of money take out.
3. current account balance device as claimed in claim 1,
Whether described judgment means can also be used to judge deposits in the shut-in time of described one or more regular account numbers regulations again to described current;
Described actuating unit can also be with the described one or more savings accounts of cutting out of recovery and with described demand deposit or wherein a part of one or more savings accounts that deposit recovery in.
4. a current account balance method comprises the steps:
Store a current account;
Store one or more along with to the deposit of current account and drawing and the savings account of dynamically setting up and closing.
Judge whether the deposit in the described current account exceeds a subscription rate G;
The amount of money of offering one or more current accounts and will exceeding subscription rate G deposits described current account in.
5. current account balance method as claimed in claim 4 also comprises the steps:
Judge whether the amount of money that requires to mark exceeds subscription rate G from described current account number;
Amount of money in the one or more regular account number that the one or more regular account numbers of temporary close also will be closed takes out.
6. current account balance method as claimed in claim 4 also comprises the steps:
Whether judgement deposits in the shut-in time of described one or more regular account numbers regulations again to described current;
With the described one or more savings accounts of closing of recovery and with described demand deposit or wherein a part of one or more savings accounts that deposit recovery in.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2004100253459A CN100371959C (en) | 2004-06-22 | 2004-06-22 | Balancing system and method for current account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2004100253459A CN100371959C (en) | 2004-06-22 | 2004-06-22 | Balancing system and method for current account |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1713229A true CN1713229A (en) | 2005-12-28 |
| CN100371959C CN100371959C (en) | 2008-02-27 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB2004100253459A Ceased CN100371959C (en) | 2004-06-22 | 2004-06-22 | Balancing system and method for current account |
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| Country | Link |
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| CN (1) | CN100371959C (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107146158A (en) * | 2016-03-01 | 2017-09-08 | 阿里巴巴集团控股有限公司 | A kind of electronic data processing method and device |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US4232367A (en) * | 1978-06-12 | 1980-11-04 | Youden Robert H | Apparatus for maximizing interest earnings and providing payments from principal without interest penalty |
| US5799087A (en) * | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
| CN1316710A (en) * | 2000-04-04 | 2001-10-10 | 张向阳 | Double fund settlement method and its computer management system |
| JP2002312593A (en) * | 2001-04-10 | 2002-10-25 | Shinsei Bank Ltd | Ordinary deposit system with minimum balance interest addition |
-
2004
- 2004-06-22 CN CNB2004100253459A patent/CN100371959C/en not_active Ceased
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107146158A (en) * | 2016-03-01 | 2017-09-08 | 阿里巴巴集团控股有限公司 | A kind of electronic data processing method and device |
| CN107146158B (en) * | 2016-03-01 | 2020-08-04 | 阿里巴巴集团控股有限公司 | Electronic data processing method and device |
| CN111899110A (en) * | 2016-03-01 | 2020-11-06 | 创新先进技术有限公司 | Electronic data processing method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN100371959C (en) | 2008-02-27 |
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