JPH09128457A - Interest calculation service system for account transferred to sleeping account and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the processing efficiency of the revival of an account transferred to a special sleeping account because of no transaction in a prescribed period. SOLUTION: Data on an amount of money, the date transferred to a sleeping account, etc., are inputted in accordance with the private transaction 1 picture of an information input terminal 2. An interest settling date, an interest changing date, a rate of interest and an interest tax rate generated between data on the date transferred to a sleeping account, etc., stored in an input processing area 3 and the present day are obtained from a an interest rate control record 4, an agricultural cooperative association record 5 and a tax rate control record 6 to be stored in an operation 8 area in a table form. An interest and interest tax calculation module 7 sorts the interest settling date and the interest changing date stored in the operation area 8 in the order of the date and after then the module 7 calculates an interest and an interest tax generated each of interest calculating period inserted between two dates adjacent to the interest settling date and/or the interest changing date in order to print output the result to an output medium 9 with the total amount of the interest and the interest tax.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an interest calculation service method and method in an accounting system of a financial institution such as a bank, and in particular to an account of a customer who has been transferred to a sleeping slot after a predetermined period has passed since the last transaction date. The present invention relates to an interest calculation service method and method for an account that has already been transferred to a sleep account when reviving a customer.

[0002]

2. Description of the Related Art Generally, in an accounting system of a financial institution such as a bank, a process of transferring a customer's account after a lapse of a predetermined period from the last trading date to a financial institution's management account (referred to as "extra sleep slot") is performed. Is going.

The customer's account transferred to the sleeping area must be reinstated as necessary to add interest to the balance, but such processing at the time of reinstatement of the account is usually performed as follows. The procedure is as follows.

That is, (1) obtain an inquiry about the interest settlement date that has occurred from the day the account was transferred to the sleeping mouth (hereinafter also simply referred to as the "sleep transfer date") to the account recovery date, (2)
Inquire the interest rate change date and the interest rate that occurred from the sleep transfer date to the account recovery date. (3) Calculate the interest generated up to the account recovery date based on the information obtained by the inquiry and the balance of the sleep transfer date. To do.

[0005]

However, in the conventional processing at the time of account restoration, the inquiry or confirmation work of the interest settlement date, the interest rate change date, etc., which occurred between the date of sleep transfer and the date of account restoration, is individually performed. Since the transaction must be performed, there is a problem that the processing becomes complicated.

[0006] Therefore, the present invention has been made in view of the above-mentioned problems, and is within each interest calculation period with the interest settlement date and the interest rate change date generated between the sleep transfer date and the account restoration date as boundaries. Outputs interest, interest tax, applied interest rate, etc. at once for each interest calculation period, clarifying information about interest and improving sleep processing efficiency at the time of account recovery from another sleep opening An object is to provide an account interest calculation service method and method.

[0007]

In order to achieve the above-mentioned object, the present invention is applied to a sleeping account which is applied to an accounting system which manages a sleeping transfer account for an account that has passed a predetermined period from the last transaction date. In the interest calculation service method of, the input means for inputting at least data on the type of savings, amount of money, tax classification, sleep transfer date, interest rate management record holding information on interest rate change date and interest rate, and interest settlement Settlement date management record that retains information about date, tax rate management record that retains information about interest tax rate application date and interest tax rate, and interest that accrues interest and interest tax from the date of sleep transfer to today -Interest tax calculation means, a work area for saving the data calculated by the interest / interest tax calculation means, and a predetermined area for storing the data saved in the work area An output means for outputting by a formula, wherein the interest / interest tax calculation means, the sleep transfer date input from the input means, the interest settlement date obtained from the settlement date management record, and the interest rate management. Based on the date of interest rate change obtained from the record, one or more interest calculation periods from the sleep transfer date to today are acquired, and the interest rate obtained from the interest rate management record and the tax rate management record. Date of application of interest tax rate and interest tax rate obtained from the tax classification input from the input means,
The interest rate and the interest tax rate to be applied to each of the one or more interest calculation periods, based on the amount input from the input means as a principal, and sequentially for each of the one or more interest calculation periods. (EN) Provided is an interest calculation service method for a sleeping mouth transfer account, which is characterized by calculating interest and interest tax.

Further, the present invention is an accounting system which manages a sleep transfer account for an account that has passed a predetermined period from the last transaction date, and changes the interest settlement date and interest rate from the input sleep transfer date to today. The date and the interest are collectively sorted in the order of date, and the interest rate and the interest rate applied to each of one or more interest calculation periods sandwiched between two adjacent dates of the interest settlement date and / or the interest rate change date that are sorted. A sleep mouth characterized by calculating a tax rate and sequentially calculating interest and interest tax for each of the one or more interest calculation periods based on the calculated interest rate and interest tax rate and the input amount. Provides an interest calculation service method for transferred accounts.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram for explaining the structure of an interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

With reference to FIG. 1, description will be made taking as an example a case where the interest calculation service system for a sleep account incorporated account according to the present embodiment is applied to an accounting system of a financial institution.

As shown in FIG. 1, the interest calculation service method for sleeping account incorporated accounts according to the present embodiment includes a dedicated transaction screen 1, an information input terminal 2, an input processing area 3, and an interest rate management record 4. , Agricultural cooperative record (accounting date management record)
5, a tax rate management record 6, an interest / interest tax calculation module 7, a work area 8, and an output medium 9 are included as main components.

The dedicated transaction screen 1 shows "type", "amount",
It is a transaction input screen that holds “tax category”, “sleep transfer date”, etc. as input items.

Here, the "type" is the type (savings type) of the customer's account in which the sleep transfer process is performed, and the "amount" is the balance remaining in the account when the sleep transfer process is performed.
The “sleep transfer date” is the date when the sleep transfer process was performed.

The "tax classification" represents how interest tax is collected from the accrued interest. For example, (1) 00: tax excluded (2) 01: corporate tax ( 3) 02: Separation tax (4) 03: Maru tax exemption ... Others are classified.

Here, when the tax classification is 02 (separate taxation), both the national tax and the local tax are calculated for the accrued interest, but when the tax classification is 03 (male tax exemption), the interest tax is not calculated. As described above, the method of calculating the interest tax is changed according to the tax classification.

The information input terminal 2 is a terminal for an operator to operate the accounting system, and can input necessary data according to the input items displayed on the dedicated transaction screen 1.

The input processing area 3 is an area for storing data input according to the exclusive transaction screen 1.

The interest rate management record 4 is a record that holds the date of interest rate change and the interest rate.

The agricultural cooperative record 5 is a settlement date management record that holds the interest calculation date as an interest settlement type.
Since the interest calculation date differs depending on the financial institution (the same financial institution may differ), for example, (1) 01: 1, the second Saturday in July, (2) 02: 2, the second in August. Sunday (3) 03: 3, 2nd Sunday in September ... Manage in a format like this, and at the time of actual processing, the agricultural cooperative record 5
Calculate the interest settlement date of the specified year based on the interest settlement type managed in.

The tax rate management record 6 is a record holding the date of interest tax rate application and the interest tax rate.

FIG. 2 is a diagram for explaining the structure of the tax rate management record 6.

As shown in FIG. 2, the tax rate management record 6
Holds the date of application of interest tax rate and interest tax rate,
The interest tax rates for national and local taxes are arranged in descending order of date by the date of application of the interest tax rate. In addition, referring to Fig. 2, for interest accrued after January 13, 1993, the national tax rate of 15% and the local tax rate of 5% are applied.
A 30% national tax rate applies to interest accrued between January 13, 992 and January 12, 1993.

The interest / interest tax calculation module 7 performs a process of calculating the interest rate, interest, interest tax, etc. based on various data stored in the input processing area 3 and today's date. . It should be noted that today's date is the date of the day of inquiry.

The work area 8 is an area for saving the results obtained or calculated by the interest / interest tax calculation module 7.

The output medium 9 is a print for notifying the operator of information about interest settlement date, interest rate change date, amount, tax category, interest rate, interest, interest tax, total interest, total interest tax, etc. It is a medium.

Referring to FIG. 1, the interest / interest tax calculation module 7 uses the date of sleep transfer stored in the input processing area 3 and the date of today to calculate the interest settlement date and time generated during this period. The date is obtained from the interest settlement type of the agricultural cooperative record 5, and the date of interest rate change is obtained from the interest rate management record 4, sorted in ascending order and stored in the work area 8.

FIG. 3 is a diagram for explaining a method of calculating interest in the interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

Referring to FIG. 3, the interest / interest tax calculation module 7 includes the (interest) settlement date (a, d, j) and the interest rate change date (related to the sleep transfer date (c) and today (l). g,
(i) Information is acquired, and interest is calculated with these dates as the boundaries, taking into consideration the day after the (interest) settlement date (b, e, k) and the day before the interest rate change date (f, h). For each interest calculation period of a period, specifically, b to d, e to f, g to h, i to j, and k to 1, an interest rate applied to each of the interest calculation periods is set as an interest rate management record 4. And the result is stored in the work area 8.

Thereafter, the interest is sequentially calculated for each interest calculation period based on the interest rate acquired from the interest rate management record 4.

In the first interest calculation period, interest is calculated based on the amount of money input from the input information terminal 2, and based on the interest tax rate managed by the tax rate management record 6 and the entered tax classification. National taxes and local taxes are calculated, and the results are stored in the work area 8.

In the second and subsequent interest calculation periods, interest tax is subtracted from the interest calculated in the immediately preceding interest calculation period, and the value added to the amount is used as the interest calculation target amount for this period.
Such processing is repeated for all interest calculation periods existing between the date of sleep transfer and the date of today.

For the interest calculation period including the interest rate change date, the interest addition process is not performed, and the division calculation is performed to add the interest collectively on the next interest settlement date.

The division calculation means that when an interest rate changes during the period from the day following the last interest settlement date to the current interest settlement date (referred to as "interest settlement period"), for example, e to e in FIG.
In the case of the period of j, the interest is calculated by applying the interest rates of A%, B%, and C% for each of the interest calculation periods of e to f, g to h, and i to j. In this method, the sum of the interests is regarded as the interest of the interest settlement period of e to j.

In calculating the interest, the calculation is carried out in the same manner as the normal interest calculation, taking into consideration the digits to the right of the decimal point and the minimum balance with interest. The minimum interest earned balance is
It is the minimum account balance for which interest is calculated, and if the balance of the account falls below this minimum account balance, no interest will accrue even if the balance exists.

When the calculation up to today's date is completed as described above, the total of interest, national tax, and local tax accrued during each interest calculation period is calculated, and the contents stored in the work area 8 and the output medium are calculated. Print on top of 9.

FIG. 4 is a flow chart for explaining the processing flow of the interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

The processing flow of the interest calculation service system for sleeping account incorporated according to the present embodiment will be described in more detail below with reference to FIG.

First, the input items input from the information input terminal 2 are checked, and after confirming that the predetermined items have been input, the input processing area 3 is related to each item such as the type, the amount of money, the tax classification, and the sleep transfer date. Data is stored (step 401).

Next, the interest / interest tax calculation module 7
The interest rate management record 4, the agricultural cooperative record 5, and the tax rate management record 6 are searched based on the data stored in the input processing area 3 (step 402).

Then, after calculating the interest rate change date and the interest settlement date that have occurred from the sleep transfer date to today's date stored in the input processing area 3 (step 40).
3) Sort the calculated interest rate change date and interest settlement date in ascending order (step 404).

After that, the process enters the loop for creating the work table (WK TBL) for the interest rate change date and the interest settlement date before today's date (step 4).
05-413). In this work table creation loop,
First, the interest rates applied for each interest calculation period between the interest settlement dates, between the interest settlement date and the interest rate change date, and between the interest rate change dates are acquired and saved in the work area 8 (step 406). . Then, the interest for each interest calculation period is calculated, and the interest is also saved in the work area 8 (step 40).
7).

After the step 407 is finished, it is judged whether or not the last day of the interest calculation period is the interest rate change date (step 408).

When it is determined that the last day of the interest calculation period is not the interest rate change date (in the case of YES in step 408)
, The interest rate calculated in step 407 is multiplied by the tax rate to calculate the interest tax, which is saved in the work area 8 (step 409), and the interest calculation target amount is set to ((interest)-
(Interest tax)) is added to calculate the new interest calculation target amount (step 410).

On the other hand, when the last day of the interest calculation period is the interest rate change date (NO in step 408), an asterisk (*) is added to the right end of the date, and the sum value variable for division calculation is added. To the work area 8 (step 412).

As described above, the processing from step 405 to step 413 is performed for each interest calculation period from the sleep transfer day to today, and a predetermined work table is created on the work area 8.

After the creation of the work table is completed, the work table is edited and the result is printed out (step 414).

FIG. 5 is a diagram showing a final example of printing by the interest calculation service system for a sleeping account incorporated account according to an embodiment of the present invention.

Referring to FIG. 5, in this print example, the sleep transfer date input from the information input terminal 2 is January 1, 1991.
It is 4 days (see (1)) and the tax classification is 02 (separate taxation). Also, the input amount is 10,000 (yen).

In the printed example, the columns of "amount", "interest rate", "interest", "national tax", and "local tax" are arranged in correspondence with "interest settlement date" in the leftmost column.

In the column of "interest settlement date", the date of interest settlement, the day before the date of the interest rate change, and the day before the date of today are printed. An asterisk (*) is added to the right end of the date on the day before the interest rate change date and the day before today's date to clarify the distinction from the interest settlement date. For example, in the print example shown in Fig. 5, "04-12-31 *" indicates the day before the interest rate change date (see (6)), and "07-03-13 *" indicates the day before today. (See (10)).

Hereinafter, some characteristic points of the printing example shown in FIG. 5 will be described.

First, the top line ("01
-03-19 ”is the date of sleep transfer, January 14, 1991.
It is related to the interest settlement date of the interest settlement period that includes the day (see (2)). Taking this line "01-03-19" as an example, it was calculated at an interest rate of 0.32% with 10,000 yen as the principal during the interest settlement period with March 19th, 1991 as the interest settlement date. The accrued interest amount is 15.956 yen (see (3)).
The national tax and local tax for the generated interest amount of 15.956 yen are 2 yen and 0 yen, respectively (see (4)).

Therefore, in the next line “01-09-17”, the principal for the current period is the principal for the previous interest settlement period is 10,00.
Amount of interest of 15 yen minus interest tax of 2 yen is added to 0 yen, resulting in 10,013 yen (see (5)). At this time, the numbers after the decimal point are truncated and added.

Next, "04-12-31" in the "Interest settlement date" column
Taking the line "*" as an example, an asterisk is added on December 31, 1992, indicating the day before the interest rate change date.

Since the interest rate is changed within the interest settlement period, the interest calculation is performed by the division calculation. Specifically, from September 21, 1992 to December 31, 1992, interest of 9.031 yen is generated at an interest rate of 0.32% on the principal of 10,105 yen (((7) ), From January 1, 1993 to March 21, 1993, the principal amount is 10,105.
Since interest of 4.095 yen is generated at an interest rate of 0.185% on the yen (see (8)), the interest generated during the period of interest settlement from September 21, 1992 to March 21, 1993 After the addition, the total amount will be rounded down to the nearest 13.000 yen (see (9)). In addition, "*****" in the column of "Interest settlement date"
*** "is a line indicating the total amount when the division calculation is performed.

In addition, "#" is added to the interests to be totaled, and in the print example shown in FIG. 5, the total amount of interests to which "#" is added is 160. It becomes a circle (see (11)). The total amount of national tax and local tax is 21 yen and 0 yen, respectively.

Although one embodiment of the present invention has been described above, the present invention is not limited to such an embodiment and includes various embodiments according to the principle of the present invention.

For example, the same effect can be obtained by displaying on a display or the like without printing on the output medium as in the interest calculation service system for the account with the incorporated sleep mouth according to the above embodiment.

[0060]

As described above, according to the method of calculating the interest of the account for transferring the sleep account and the method thereof according to the present invention, the interest settlement date and the interest rate change date generated between the sleep transfer date and today Since interest, interest tax, applied interest rate, etc. generated in each interest calculation period with the boundary as the boundary are output at once for each period, the interest generation information will be clarified and the processing efficiency at the time of account restoration from the sleeping slot will be improved. Can be raised.

Further, according to the interest calculation service method and method for sleeping account already transferred according to the present invention, the interest from the first day to the present day of the interest settlement period to which the sleep transfer date belongs is collectively calculated. Since it is not necessary to inquire daily and interest rate change dates separately, the complexity of multiple transactions can be eliminated and operator error can be reduced.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining a configuration of an interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

FIG. 2 is a diagram for explaining a configuration of a tax rate management record 6 shown in FIG.

FIG. 3 is a diagram for explaining a method of calculating interest in an interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

FIG. 4 is a flow chart for explaining a processing flow of an interest calculation service system for a sleep account incorporated account according to an embodiment of the present invention.

FIG. 5 is a diagram showing a final example of printing by the interest calculation service method for a sleeping account that has already been transferred according to an embodiment of the present invention.

[Explanation of symbols]

 1 dedicated transaction screen 2 information input terminal 3 input processing area 4 interest rate management record 5 agricultural cooperative record 6 tax rate management record 7 interest / interest tax calculation module 8 working area 9 output medium

Claims (4)

[Claims] [Claim 1] In the interest calculation service method for a sleeping account already applied to an account system that manages a sleeping transfer account for an account that has passed a predetermined period from the last transaction date, at least the savings type, amount, and tax classification , Input means for inputting data about sleep transfer date, interest rate management record holding information on interest rate change date and interest rate, closing date management record holding information on interest closing date, interest rate A tax rate management record that holds information about the tax rate application date and interest tax rate, an interest / interest tax calculation method that calculates interest and interest tax accrued from the sleep transfer date to today, and an interest / interest tax calculation method A work area for saving the calculated data; and an output unit for outputting the data saved in the work area in a predetermined format. The child tax calculating means is based on the sleep transfer date input from the input means, the interest settlement date obtained from the settlement date management record, and the interest rate change date obtained from the interest rate management record. While obtaining one or more interest calculation periods from the sleep transfer date to today, the interest rate obtained from the interest rate management record, the interest tax rate application date and the interest tax rate obtained from the tax rate management record, The interest rate and the interest tax rate applied to each of the one or more interest calculation periods are calculated based on the tax classification input from the input means, and the amount input from the input means is used as a principal. An interest calculation service method for a sleeping mouth transfer account, wherein interest and interest tax are calculated in sequence for each of one or more interest calculation periods. 2. The output means outputs at least information regarding the amount, interest and interest tax in a list form together with the interest settlement date and / or the interest rate change date. The interest calculation service method for the account that has already been transferred to the sleep account. 3. The settlement date management record retains information relating to the interest settlement date as an interest settlement type, and converts the interest settlement type as necessary to obtain the interest settlement date. 3. An interest calculation service method for a sleeping mouth-transferred account according to claim 1 or 2. 4. An accounting system that manages a sleep transfer account for an account that has passed a predetermined period from the last transaction date, and collectively includes the interest settlement date and the interest rate change date from the input sleep transfer date to today. And then sort by date, and calculate the interest rate and interest tax rate applied to each of the one or more interest calculation periods sandwiched between two dates adjacent to the sorted interest settlement date and / or interest rate change date. , The calculated interest rate and interest tax rate, and the entered amount,
An interest calculation service method for a sleeping mouth transfer account, wherein interest and interest tax are calculated in sequence for each of the one or more interest calculation periods based on the above.