JP2002312593A - Ordinary deposit system with minimum balance interest addition - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an ordinary deposit system with minimum balance interest addition capable of securing a deposit. SOLUTION: This system is provided with a data extracting means 2 for extracting the integrated number of an ordinary deposit account in an ordinary deposit period, this time minimum balance of the ordinary deposit account in a prescribed fixed deposit period, and the previous minimum balance of the ordinary deposit account in the fixed deposit period on the previous ordinary deposit interest calculation date from a data recording means 1 on a prescribed ordinary deposit interest calculation date and a data calculating means 3 for calculating the ordinary deposit interest by multiplying the integrated number by the ordinary deposit interest for the ordinary deposit period, and calculates this time additional interest by multiplying this time minimum balance by an additional interest for the ordinary deposit period calculated by subtracting the ordinary deposit interest for the ordinary deposit period from the fixed deposit interest for the ordinary deposit period, and for calculating the previous additional interest by multiplying the minimum balance calculated by subtracting the previous minimum balance from this time minimum balance by the additional interest for the residual period calculated by subtracting the ordinary deposit period from the fixed deposit period obtained by subtracting the ordinary deposit interest for the residual period from the fixed deposit interest for the residual period.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a savings system linked to a minimum balance-linked interest rate in which the merchantability of a time deposit is added to a savings deposit.

[0002] In this description, the terms "deposit" and "savings" and "ordinary savings" and "ordinary savings" are the same as "deposits" and "deposits", respectively, for financial products of the same kind and for different financial institutions. Ordinary deposits ”.

[0003]

2. Description of the Related Art Savings are widely used by customers because of the advantage that money can be freely moved in and out. On the other hand, we may consider the transition from relatively low interest rate savings to higher interest rate time deposits.However, due to uncertainty about future fund transfers, time deposits are Often hesitate to set it up and leave it as an ordinary deposit. On the other hand, for financial institutions, individual savings accounts have a large fluctuation in their deposits and withdrawals when looking at individual accounts, but when viewed as ordinary savings as a whole, a certain amount of money is always pooled. Is held.

[0004]

SUMMARY OF THE INVENTION The present invention focuses on a situation in which a certain amount is always pooled when viewed as a whole ordinary deposit, and looks back the balance of the ordinary deposit while being an ordinary deposit. By doing so, an interest rate as a time deposit is added, thereby providing a minimum balance-linked interest-added ordinary deposit system that can enclose a larger deposit.

[0005]

SUMMARY OF THE INVENTION A minimum balance-linked ordinary deposit type savings system according to the present invention provides a savings account for a savings account during a savings period and a predetermined time depositing period. This is the data record that records the deposit and withdrawal status of the savings account and the current minimum balance of the savings account in the current account and the previous minimum balance of the savings account during the time deposit period with the previous savings interest calculation date as the base date The data extraction means to be extracted from each means, and the product number is multiplied by the ordinary deposit interest rate for the ordinary deposit period to calculate the ordinary deposit interest rate. The interest rate is calculated by multiplying the surplus interest rate for the savings period by subtracting the ordinary deposit interest rate for the current term, and the difference is calculated by subtracting the previous minimum balance from the current minimum balance to the minimum balance. Data calculation means for calculating the previous year's additional interest by multiplying the remaining interest obtained by subtracting the ordinary deposit interest rate for the remaining period from the time deposit interest rate for the remaining period obtained by subtracting the ordinary deposit period from the gold period. I have. This allows
With respect to the minimum balance, on the interest payment date of the savings account, interest will be paid in the same manner as when the time deposit was made in addition to the savings interest rate.

[0006] The minimum balance-linked interest-added ordinary deposit system according to the present invention also has a data so that when the value of the previous minute's additional interest becomes minus (-), the previous minute's additional interest is calculated as 0 (zero) yen. Arithmetic means can also be set. This does not mean that you must immediately pay for the negatives, as a certain amount is always pooled when looking at an individual's savings account as a whole, and for such customers Can be used as a selling element of the product.

Furthermore, the minimum balance-linked interest-bearing ordinary deposit system according to the present invention is characterized in that at least the present minimum balance and the previous minimum balance are converted into a predetermined main savings account recorded in data recording means and a holder of the account. It can also be set so that they are respectively extracted from predetermined family savings accounts in the name of family members and added up.

[0008] The minimum balance-linked ordinary deposit system according to the present invention also divides the time deposit period by the ordinary deposit period, records the minimum balance as needed for each ordinary deposit period, and saves the minimum balance on the ordinary deposit interest calculation date. The minimum balance is determined this time by comparing the minimum balance value for each of the savings periods of the above, and when this determination is completed, the record of the savings period that is not subject to comparison will be recorded on the next day when the savings interest calculation date is At any time, record the minimum balance during the time deposit period to be deleted or look back on each savings interest date, and record the minimum balance during the time deposit period corresponding to the savings interest date at this time. , And the record of the used time deposit period can be sequentially deleted.

Further, the minimum balance-linked interest-added ordinary deposit system according to the present invention, if the additional interest is increased as one of the sales promotion services, for example, may set the minimum balance used by the data calculation means as necessary. The data calculation means may be manually changed, and the additional interest may be calculated based on the changed minimum balance.

Still further, in the minimum balance-linked interest-added ordinary deposit system according to the present invention, the data recording means records a minimum balance corresponding to at least one other longer term deposit period, and the data calculation means stores the additional interest. In addition, another additional interest may be calculated based on an interest rate obtained by subtracting an interest rate corresponding to the shorter term deposit period from an interest rate corresponding to the longer term term.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A minimum balance-linked ordinary rate-added savings system according to an embodiment of the present invention, as shown in FIG.
Data recording means 1 for recording the deposit / withdrawal status of ordinary savings account
Data extraction means 2 for extracting required data from data
And a data calculation means 3 for calculating required data by performing arithmetic processing on the data extracted by the data extraction means 2.

FIG. 2 is a diagram showing an example of the transition of the deposit balance of the ordinary deposit account. In this system, when the specified savings interest calculation date D1 is reached, the savings interest is paid, and the interest is added to the minimum balance in the specified time deposit period assuming that there was a time deposit with that amount. And pay. Therefore, the data extraction means 2 calculates the current savings interest calculation date D1 from the previous savings interest calculation date D0.
The product number N, which is the sum of the daily balances of the savings account during the savings period Ta which is a period up to, and a predetermined time deposit period T with the current savings interest calculation date D1 as a reference date.
b, the current minimum balance M1, which is the minimum balance of the savings account, and the previous minimum balance M0, which is the minimum balance of the savings account during the time deposit period Tb, which is based on the previous calculation date D0 of the savings interest. , Extracted from the data recording means 1 and input to the data calculation means 3.

Here, the extraction of the minimum balance from the data recording means 1 may be carried out every day on which the ordinary interest on the savings account is calculated. , It has to be overloaded. For this reason, it is preferable to additionally set a minimum balance as a data item of each savings account. The item of the minimum balance is to be rewritten as appropriate at the closing of the day by determining whether or not the balance of the changed savings account is smaller than the currently recorded minimum balance. , The previous minimum balance M0 described above every interest calculation day
And the minimum balance M1 at this time. As a specific means for this, various methods are conceivable. As an example, as shown in FIG. 3, the time deposit period Tb is divided by the ordinary deposit period Ta, and the minimum balance is recorded as needed for each ordinary deposit period Ta. Then, the minimum balance M1 may be determined this time by comparing the minimum balance value in each of the required ordinary deposit periods Ta on the ordinary deposit interest calculation day. At the conclusion of this decision, the record of non-comparable savings periods will be deleted on the next savings interest calculation date. Further, as exemplified in FIG. 4, the minimum balance in the time deposit period Tb that is looked back on each ordinary deposit interest calculation date is recorded at any time, and the minimum balance in the time deposit period Tb corresponding to the ordinary deposit interest calculation date is recorded. It is also possible to use the balance this time as the minimum balance M1. In this case, the record of the time deposit period used is sequentially deleted.

As in the case of calculating interest in ordinary savings, the data calculating means 3 adds the product number N to the ordinary savings interest Ra equivalent to the ordinary savings period Ta (Ra × Ta / 36).
Calculate the savings interest I by multiplying by 5).
At the same time, the additional interest ((Rb-Ra) × Ta / 36) for the ordinary deposit period obtained by subtracting the ordinary deposit period Ta equivalent to the ordinary deposit period Ta of the time deposit interest Rb.
5) is multiplied by the current minimum balance M1 to calculate the current additional interest Ia, and in order to avoid re-payment of the additional interest paid on the interest payment date of the previous ordinary deposit, the current minimum additional balance Ia is calculated. From M1 to the last minimum balance M0
Is subtracted from the minimum balance difference (M1-M0) by the remaining period (Tb-Ta), which is equivalent to the remaining period (Tb-Ta) obtained by subtracting the ordinary deposit period Ta from the time deposit period Tb of the time deposit interest rate Rb (Tb-Ta). ) Calculate the previous-time additional interest Ib by multiplying by the additional interest ((Rb−Ra) × (Tb−Ta) / 365) for the remaining period after subtracting the equivalent amount.

As for the time deposit interest rate Rb, the interest rate at the time of the lookback is usually used. However, the time deposit interest rate Rb at any point in the time deposit term Tb to look back as the time deposit interest rate Rb for calculating the additional interest may be used. Interest rates such as the average value, the highest or lowest interest rate of the time deposit interest rate Rb, or a separately set interest rate can also be used as appropriate.

When the above-mentioned calculation of the additional interest is expressed by a mathematical formula, the ordinary deposit interest I, the current additional interest Ia and the previous additional interest Ib are obtained as follows. (1) Savings interest I: I = N × Ra / 365 (2) Current interest surplus Ia: Ia = M1 × (Rb−Ra) × Ta / 365 (3) Previous interest surplus Ib: Ib = (M1 −M0) × (Rb−Ra) × (Tb−Ta) / 3
65 Here, when the current minimum balance M1 is lower than the previous minimum balance M0, or due to financial conditions, the ordinary deposit interest rate Ra
Interest rate is higher than the time deposit interest rate Rb,
Although a or Ib becomes minus (-), in such a case, the additional interest is processed as 0 (zero) yen.

The above calculation of the additional interest (Ia, Ib) is performed on the assumption that the balance of the savings account is looked back on each day on which the savings interest is calculated. It can also be configured to back.
In the above-described example, it was necessary to apply a method for avoiding double payment for the previous additional interest Ib. In this case, it is easily understood that the calculation may be performed by considering only the current additional interest Ia. Let's do it. In addition, instead of being restricted to a single savings account alone, treat a given primary savings account and a given subsidiary savings account, which is the family name of the holder of the account, as one savings account This can secure more depositors.

Further, the above-mentioned system for calculating the additional interest (Ia, Ib) is adjusted to the ordinary deposit interest calculated by accumulating the daily ordinary deposit balance as a product, and the ordinary deposit interest rate and the time deposit are calculated. By multiplying the interest rate multiplication by the minimum balance extracted from the data extracting means 2 and adding it to the daily ordinary deposit balance n for calculating the product number N, the product number N ′ of the time deposit interest-added ordinary deposit system is calculated.
May be used as the data operation means 3 for obtaining a value to be added to the daily product number for calculating In this case, the data calculation means 3 calculates a value n 'to be added daily to the product number N' as follows. (1) Savings account n: n = Savings account balance of the day (2) Value for accrued interest for the day na: na = M1 x (Rb / Ra-1) (3) Value nb for minimum balance increase : Nb = (M1−M0) × (Rb / Ra−1) × (Tb−1) (4) Value n ′ added daily to the product number N ′: n ′ = n + na + nb

Here, the recording of the minimum balance in the data recording means 1 is preferably performed by automatically recording the minimum balance during the period of ordinary time deposit. For example, additional interest is added as one of the sales promotion services. If it increases, the minimum balance used by the data calculation means is, for example, 1.2 times or 1.
It will be readily understood that it is also possible to manually change the balance as necessary, such as triple, and to set the data calculation means to calculate the additional interest based on the changed minimum balance.

In the above description, one time deposit period is described, but a plurality of other time deposit periods may be provided. In this case, the data recording means 1 records the minimum balance corresponding to each of the different time deposit periods. Then, in addition to the above-mentioned additional interest, the data calculation means 3 calculates, from the interest rate corresponding to the longer term deposit period,
It is also possible to calculate another accrued interest based on the interest rate less the interest rate corresponding to the shorter term deposit term.

[0021]

According to the present invention, when the predetermined savings interest calculation date D1 is reached, the savings interest is calculated and paid, and the minimum balance in the predetermined time deposit period is paid by the same amount. By being configured to calculate interest and accrue additional payments as if the deposit had been made, the interests of time deposits, which had good interest but were hesitant due to time-bound restrictions, allowed depositors to It can be used easily, but for financial institutions, the fact that a certain percentage of money was treated as equivalent to time deposits when viewed as a whole of savings deposits should be executed without any problems Can be.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing an outline of an embodiment according to the present invention.

FIG. 2 is a diagram for explaining interest calculation in the embodiment shown in FIG. 1;

FIG. 3 is a diagram for explaining a method of managing a minimum balance in the embodiment shown in FIG. 1;

FIG. 4 is a diagram similar to FIG. 3 for explaining another method of managing the minimum balance.

[Explanation of symbols]

 1 data recording means 2 data extraction means 3 data calculation means

Claims (7)

[Claims] Claims: 1. On a predetermined savings interest calculation date, the product number of the savings account during the savings period, the current minimum balance of the savings account during the predetermined time savings period, and the previous savings interest calculation date Data extracting means for extracting the last minimum balance of the ordinary savings account and the last balance of the ordinary savings account from the data recording means in which the deposit / withdrawal status of the ordinary savings account is recorded during the time deposit period with the base date as Multiplying the ordinary deposit interest rate by the ordinary deposit interest rate to calculate the interest rate of the ordinary deposit, and multiplying the above minimum balance by the additional interest rate for the ordinary deposit term obtained by subtracting the ordinary deposit interest rate for the ordinary deposit term from the term deposit interest rate for the ordinary deposit term. Calculates the amount of additional interest, and subtracts the ordinary deposit period from the time deposit period to the difference minimum balance obtained by subtracting the previous minimum balance from the current minimum balance. Minimum balance interlocking rate of addition type savings system comprising a data calculating means for calculating a previous partial additional interest by multiplying the savings residue periods addition rates minus the rates. 2. The data calculating means according to claim 1, wherein when the value of the previous additional interest is minus (-), the previous additional interest is 0.
2. The savings system linked to a minimum balance-linked interest rate according to claim 1, wherein the value is calculated as (zero) yen. 3. At least the current minimum balance and the previous minimum balance are respectively extracted from a predetermined main savings account recorded in data recording means and a predetermined subordinate savings account which is a family name of a holder of the account. 3. The savings system linked to a minimum balance-linked interest rate according to claim 1, wherein the savings system is added up. 4. The time deposit period is divided by the ordinary deposit period,
Record the minimum balance at any time for each ordinary deposit period, compare the minimum balance value for each ordinary deposit period required on the ordinary deposit interest calculation date, determine the minimum balance this time, and when this determination is completed, the next time 4. The savings system linked to a minimum balance-linked interest rate according to claim 1, wherein the record of the savings period which is not subject to comparison is deleted on the savings interest calculation date. 5. Record the minimum balance during the time deposit period to be looked back on each savings interest calculation date as needed.
4. The method according to claim 1, wherein the minimum balance during the time deposit period corresponding to the ordinary interest calculation date is used as the minimum balance this time, and the record of the used time deposit period is sequentially deleted. Is an interest rate-added savings system linked to minimum balances. 6. The data calculation means according to claim 1, wherein the minimum balance used by said data calculation means is manually changed as required, and said data calculation means calculates the additional interest based on said changed minimum balance. 6. The savings system linked to a minimum balance-linked interest rate according to any one of Items 1 to 5. 7. The data recording means records a minimum balance corresponding to at least one other longer term deposit period, and the data calculation means includes, in addition to the additional interest, an interest rate corresponding to the longer term term. The minimum balance-linked interest-added ordinary deposit system according to any one of claims 1 to 6, wherein another additional interest is calculated based on an interest obtained by subtracting an interest corresponding to a shorter term deposit period. .