JPH0785177A - System for managing interest number - Google Patents

Abstract

PURPOSE:To prevent an error of interest numbers from being caused even when number of times of revision of an interest rate is increased attended with liberalized interest rate of a floating deposit. CONSTITUTION:A job processing section 16 reference an interest rate table 19 based on deposit transaction information from a terminal equipment 15 to register an interest product number for each interest rate to an interest product number record to be chained to an account master record of a ledger database 12. An interest rate registration processing section 17 adds a new entry comprising a start date, an end data and an interest rate to an interest rate database 14 and reflects the content of the interest rate database 14 onto the interest rate table 19. An accounting date processing section 18 multiplies the interest product number of the interest product number record of each account with a corresponding interest rate of the interest rate table 19 respectively and obtains the total sum of the accounts to calculate an interest and the interest is depositted at the accounting data to update the residual amount of the account master record and the newest updating date.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a banking online system, and more particularly to an interest product number management system for managing the interest product number of deposits accompanied by changes in interest rates.

[0002]

2. Description of the Related Art Conventionally, the interest rate of liquid deposits has been regulated, and the interest rate has not changed except when the official discount rate changes from time to time. However, in the process of financial liberalization, liquid deposits with free interest rates have been introduced, and interest rates are being changed regularly.

In the conventional interest product number management method, the interest rate of liquid deposits is almost fixed. Therefore, in order to simplify the calculation of interest, each account in the ledger database (balance after the previous transaction) x ( The value of (the number of deposits until the next closing date) was memorized by calling it the interest product. For example, in FIG.
In the account record of the ledger database 32, the value obtained by calculating the product of interest when the balance after the previous transaction did not change until the next closing date (for example, twice a year) was recorded.

In FIG. 3, when deposit / withdrawal transaction information is input from the terminal device 33, the business application program 34 of the data processing device 31 retrieves an account record from the ledger database 32 according to the input deposit / withdrawal transaction information. Enter and recalculate the product of interest in advance according to the balance changed by this transaction, and the ledger database 32
I was updating the product of interest on my account record.

If the interest rate is changed from the date (transaction date or settlement date) when the account record in the ledger database 32 was last updated to the current transaction date, the number of interest products before the interest rate change Is calculated by multiplying the interest rate product after the interest rate change by the value of the old interest rate / new interest rate, and the new interest rate conversion is recalculated to update the interest product number of the account record in the ledger database 32. It was

[0006]

The above-mentioned conventional interest rate product number management system manages only one value of the interest rate product for each account, so if the number of changes in interest rate is small, the old interest rate / A calculation formula that multiplies the value of the new interest rate can be used, but there is a problem that the error becomes a value that cannot be ignored when the number of changes of the interest rate increases.

In view of the above points, the object of the present invention is to calculate the number of interest products by retrofitting according to the actual deposits, and to manage the interest rate according to the period of interest application. It is to provide an interest product number management method that prevents an error from occurring even when the number of changes is increased.

[0008]

According to the interest volume management method of the present invention, a terminal device for inputting / outputting transaction information and an account master record including an account number, a balance, and a latest update date are used in a plurality of interest volume fields. A ledger database in which interest product number records are chained, an interest rate table including a plurality of entries including a start date, an end date, and an interest rate, and an account from the ledger database based on deposit / withdrawal transaction information input from the terminal device. Searching the master record, and searching the interest rate table for an entry in which the latest update date in the account master record is included between the start date and the end date,
The interest product number is calculated based on the interest rate of the entry, and is registered in the interest product number field corresponding to the entry of the interest product number record chained from the account master record. And a business processing unit that repeats up to an entry included between the two.

In the interest product number management method of the present invention, the interest is calculated by multiplying the interest product number of the interest product number record of each account by the interest rate of the corresponding interest rate table on the settlement date to obtain the sum. Then, it includes a settlement date processing unit for depositing the interest on the date of the settlement date and updating the balance and the latest update date of the account master record.

Further, in the interest product number management method of the present invention, a new entry including a start date, an end date and an interest rate is added to the interest rate database based on the interest rate registration transaction information input from the terminal device. An interest rate registration processing unit that reflects the contents of the interest rate database in the interest rate table is included.

[0011]

The present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the structure of an interest product number management system according to an embodiment of the present invention. The interest product volume management method of the present embodiment includes a data processing device 10, a ledger database 12, a memory 13, and an interest rate database 14.
And the terminal device 15 constitute a main part thereof.

The data processing unit 10 is a central processing unit, and is a business application program 1 including a business processing unit 16, an interest rate registration processing unit 17, and a settlement date processing unit 18.
It is equipped with 1.

The ledger database 12 is a database realized on a magnetic disk device and having a two-layer data structure in which an interest product number record 22 is chained to an account master record 21 as shown in FIG. The account master record 21 is composed of fields of account number, balance and latest update date, and the interest product record 22 is composed of a plurality of interest product fields.

The interest rate database 14 is constructed by using a magnetic disk device.

The interest rate table 19 is the interest rate database 1
This is realized by expanding the contents of No. 4 in the memory 13, and as shown in FIG. 2, it is composed of a plurality of entries including an entry number, a start date, an end date, and an interest rate.
Each entry in the interest rate table 19 corresponds to the ledger database 1
There is a one-to-one correspondence with the interest product number field of the interest product number record 22 of 2. For example, the fourth entry in the interest rate table 19 corresponds to the fourth interest product number field of the interest product number record 22.

Next, the operation of the interest product number management system of the present embodiment having the above-described configuration will be described.

(1) When deposit / withdrawal transaction information is input from the terminal device 15

When deposit / withdrawal transaction information for an account is input from the terminal device 15, the business processing unit 16 of the business application program 11 retrieves the account master record 21 of the ledger database 12 from the account number of the input deposit / withdrawal transaction information. It searches and performs business processing such as checking input items and deposit / withdrawal processing according to the contents of deposit / withdrawal transaction information.

Now, as illustrated in FIG. 2, in the contents before the update of the account to which the deposit / withdrawal transaction information is input, the balance held in the account master record 21 is 10,000 yen,
It is assumed that the latest update date was February 16, 1993. Further, it is assumed that the deposit / withdrawal transaction information indicates that the transaction date is April 9, 1993, and a deposit of 10,000 yen is made.

The business processing unit 16 uses the account master record 2
The interest rate table 19 is searched for an entry in which the latest update date (19930216) of 1 is included between the start date and the end date. In the case of the example shown in FIG. 2, the second entry is searched. Next, the business processing unit 16 determines the latest update date (199
End date of the entry retrieved from 30216) (199
30228) The product of interest (1 day) during the deposit period (13 days)
0000 × 13 = 130,000), and the product of interest 1 in the second product of interest field of the product of interest record 22 is 1
Add to 50,000 to get 280000.

Next, the business processing section 16 uses the interest rate table 1
The entry next to 9 (the third entry in the example) is searched, and the entry start date (19930301) and end date (1
9930409) is included between the latest update date (19930216) and the transaction date (19930409), the interest product number (10000 × 35 = 350,000) is calculated for this interest rate application period (35 days) as well. Update the third product of interest field in number record 22.

Further, the business processing unit 16 searches for the next entry (fourth in the example) of the interest rate table 19, and if the end date (19930505) of this entry is compared with the transaction date (19930409). Since the end date is larger, the number of interest products (10000 × 4 =) from the start date (19930405) to the transaction date (19930409) up to the deposit period (4 days) (the transaction date itself is not included)
40000) to update the fourth product of interest field of the product of interest record 22.

After that, the business processing unit 16 updates the balance of the account master record 21 to 20000 by adding the deposit amount (10000) to the balance (10000) before updating, and updates the latest update date to the transaction date (19930409). ), The account master record 21 and the product interest record 2
2 is written back to the ledger database 12 and the process ends.

As described above, the product of interest can be managed for each interest rate by managing the product of interest for each interest rate application period designated by the start date and the end date of the entry in the interest rate table 19.

(2) When interest rate registration transaction information is input from the terminal device 15

When the interest rate registration transaction information is input from the terminal device 15, the interest rate registration processing section 17 of the business application program 11 updates the interest rate database 14 and the interest rate table 13 based on the input interest rate registration transaction information. . Specifically, the interest rate registration processing unit 17 registers a new start date, end date, and interest rate based on the interest rate registration transaction information in the entry next to the last entry in the interest rate database 14 in which the interest rate is registered. Record the date before the new start date on the entry end date. After that, the interest rate registration processing unit 17 reflects the same contents as the interest rate database 14 on the interest rate table 19 on the memory 13 and ends the process.

(3) Closing date processing

When the settlement date comes, the settlement date processing unit 18 of the business application program 11 determines the interest rate of each entry in the interest rate table 19 corresponding to the interest rate of interest in the interest rate field of the interest rate record 22 of each account. The interest is calculated by multiplying each by and the sum is calculated, and the interest is deposited on the date of the settlement date, and the balance and latest update date of the account master record 21 are updated. Further, the settlement date processing unit 18 clears all the interest product number fields of the interest product number record 22 to zero.

When all the account master records 21 and the interest product number records 22 in the ledger database 12 have been processed, the settlement date processing unit 18 makes the interest rate table 1
After the entry in which the latest interest rate of 9 is registered is moved to the top entry, the remaining entries are all cleared to 0.

[0031]

As described above, according to the present invention, the ledger database has a two-layer data structure in which the product of interest records are chained from the account master record, and the entry including the start date, the end date and the interest rate is provided. By setting up an interest rate table that includes multiple items and allowing the business processing department to calculate and manage the number of interest products for each interest rate, it is possible to manage the number of interest products in the ledger database by interest rate application period and Even if the number of changes in the interest rate increases with the free interest rate, there is an effect that no error occurs.

In addition, after calculating the interest product number, the settlement date processing unit calculates the interest by multiplying the interest product number of each account by the interest rate and calculating the sum, thereby changing the interest rate. Since there is no need to multiply the interest product of 1 by the value of old interest rate / new interest rate and add it to calculate new interest rate again, there is an effect that a business application program can be easily created.

Further, the interest rate registration processing unit adds a new entry including a start date, an end date and an interest rate to the interest rate database based on the interest rate registration transaction information, and reflects the contents of this interest rate database in the interest rate table. By doing so, there is an effect that the interest rate and the applicable period can be easily registered.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of an interest product volume management system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating contents of an interest rate table and a method of updating a ledger database in the interest product number management method of the present embodiment.

FIG. 3 is a block diagram showing a conventional technique.

[Explanation of symbols]

 10 data processing device 11 business application program 12 ledger database 13 memory 14 interest rate database 15 terminal device 16 business processing unit 17 interest rate registration processing unit 18 settlement date processing unit 19 interest rate table 21 account master record 22 interest product record

Claims (3)

[Claims] 1. A terminal device for inputting / outputting transaction information, and a ledger database in which an interest product number record composed of a plurality of interest product number fields is chained to an account master record including an account number, a balance, and a latest update date. An interest rate table including a plurality of entries including a start date, an end date, and an interest rate, and an account master record is searched from the ledger database based on deposit / withdrawal transaction information input from the terminal device, and the latest update in the account master record is performed. An entry whose date is included between the start date and the end date is searched from the interest rate table, the interest product is calculated based on the interest rate of the entry, and the entry of the interest product record chained from the account master record is searched. Register in the Interest Volume field corresponding to and repeat this until the entry whose trading date is between the start and end dates. An interest product volume management method characterized by having a business processing unit. 2. The interest is calculated by multiplying the interest product number of the interest product record of each account by the interest rate of the corresponding interest rate table on the closing date to obtain the sum, and the interest is calculated on the date of the closing date. The settlement date processing unit for processing the deposit and updating the balance and latest update date of the account master record.
The interest volume management method described. 3. A new entry including a start date, an end date and an interest rate is added to the interest rate database based on the interest rate registration transaction information input from the terminal device,
The interest product number management method according to claim 1, further comprising an interest rate registration processing unit that reflects the contents of the interest rate database in the interest rate table.