| 摘要 |
PURPOSE:To execute interest rate changing processing profitable for a depositor by comparing interests between a case depositing a time deposit account deposited at an unchanged interest rate up to its expiration date at the time of changing the interest rate of the time deposit, and a case canceling the time deposit on-the way and redepositing it at a new interest rate. CONSTITUTION:A host system 3 finds out an interest rate to be applied to transaction data obtained by executing a time deposit new transaction by a bank terminal 1 and sent through a line 2 based upon a time deposit interest rate table 5, prepares time deposit account information and records the prepared information in a time deposit ledger file 4. At the time of changing the interest rate of the time deposit, the table 5 is updated, and in the case of an interest rate change increasing the interest rate as compared with the unupdated interest rate, the system 3 extracts a time deposit account deposited at the unchanged interest rate from the file 4, calculates respective interests obtained by a case depositing the deposit until its expiration date with a case canceling the deposit on the way on the interest changing date and redepositing it at the new interest rate each account, mutually compares the interests and executes processing for the case having higher interest amount. |
