CN102999865A - Deposit management method and device - Google Patents
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Abstract
The invention discloses a deposit management method and device. The deposit management method includes that a mobile device obtains a time deposit account number and a password of a user; the time deposit account number and the password are input into a bank website interface of the time deposit to obtain information of the time deposit with the time deposit account number; and whether the time deposit is needed to be transferred is judged according to the information of the time deposit and the pre-obtained newest bank time deposit rate, and the mobile device sends the recommendation information of transferring the time deposit to a corresponding bank to notice the user on yes judgment. Therefore, the deposit management method and device can timely provide transfer recommendation for the user when the time deposit rate is updated, simultaneously provide deposit information, have the notice function, and lead the user to manage the deposit conveniently.
Description
Technical field
The present invention relates to the mobile device technical field, particularly relate to a kind of method and device of managing deposit.
Background technology
Fixed deposit is one of way to manage money of commonly using of people, by deposit is stored in bank's regular hour, obtains higher interest with being free from risk.In addition, the change of fixed-term deposit rate is concerning depositor's income.At present, Central Bank announces to allow each bank can adjust within the specific limits the floating space of deposit and loan interest rate, just means that also there has been autonomy in each bank at interest rate, and each deposit at bank interest rate is no longer unified.In this case, each deposit at bank interest rate is change often, and for the depositor, can be when each bank rate change, in time understanding interest rate upgrades, and selects better storage bank to obtain better interest income, is the problem that they are concerned about most.
Nowadays, along with the progress of science and technology, portable terminal is more and more universal, and people also use portable terminal at one's side to carry out various operations more and more, and therefore how more effective portable terminal that utilizes is to satisfy user's needs, has become a research topic.
Summary of the invention
The technical matters that the present invention mainly solves provides a kind of method and device of managing deposit, when deposit rate is adjusted, can in time provide the unloading suggestion to the user, also makes things convenient for the user that deposit is managed simultaneously.
For solving the problems of the technologies described above, a kind of technical scheme that the present invention adopts is: a kind of method of managing deposit is provided, comprises: mobile device obtains user's time deposit account and password; Described mobile device utilizes the website of bank interface of described time deposit, described time deposit account and password is obtained the information of the time deposit under the described time deposit account as input; Described mobile device is according to the information of described time deposit and the up-to-date fixed-term deposit rate of bank of obtaining in advance, judging whether should be with described time deposit unloading, should be with described time deposit unloading if be judged as, then described mobile device produce with described time deposit unloading to the advisory information of corresponding bank to notify the user.
Wherein, described judging whether may further comprise the steps described time deposit loading procedure: described mobile device judges that described up-to-date fixed-term deposit rate is whether greater than the script interest rate of described time deposit, if described up-to-date fixed-term deposit rate is greater than the script interest rate of described time deposit, then calculate described time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate, wherein, described critical fate is: critical fate=360n(r1-r0)/(r1-r2), described n is the time limit of described time deposit, described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place; Described mobile device judge described critical fate whether greater than described time deposit deposit fate, if described critical fate greater than described time deposit deposit fate, then being judged as should be with described time deposit unloading.
Wherein, described mobile device produces the advisory information of described time deposit unloading to corresponding bank be may further comprise the steps with the notice user steps: described mobile device calculates estimates the unloading income with what described time deposit unloading obtained to bank corresponding to up-to-date fixed-term deposit rate, wherein, the described total revenue of unloading income for described time deposit unloading is obtained to the described corresponding bank of estimating; Described mobile device judge described time deposit estimate the unloading income whether greater than former Yield To Maturity with estimate unloading loss sum, if described time deposit estimate the unloading income greater than former Yield To Maturity with estimate unloading loss sum, then portable terminal produce with described time deposit unloading to the advisory information of corresponding bank to notify the user, otherwise, if portable terminal produce without the unloading loss then with described time deposit unloading to the advisory information of corresponding bank to notify the user, wherein, the described total losses of unloading loss for described time deposit unloading to described corresponding bank might be caused of estimating.
Wherein, the described information step of obtaining the time deposit under the described time deposit account comprises afterwards: described mobile device obtains prior notice time and the current date that the user arranges; Described mobile device judges whether the difference of the due date of current date and described time deposit equals the described prior notice time, if the difference of the due date of current date and described time deposit equals the described prior notice time, then produce described time deposit and expire information to notify the user;
Described mobile device is according to the information of described time deposit and the up-to-date fixed-term deposit rate of bank of obtaining in advance, judging whether should be with before the described time deposit loading procedure, comprise: the network interface that described mobile device utilization is predetermined, obtain the up-to-date fixed-term deposit rate of bank; Described mobile device judges whether the up-to-date fixed-term deposit rate of described bank is different from historical fixed-term deposit rate, if different, then produce the fixed-term deposit rate updating message to notify the user, and preserve the up-to-date fixed-term deposit rate of described bank and carry out step afterwards, if identical, process ends then, wherein, described historical fixed-term deposit rate is the last up-to-date fixed-term deposit rate of bank of obtaining.
Wherein, described mobile device time deposit account and the password step of obtaining the user comprises: described mobile device obtains user's time deposit account and password, and demand deposit account and password;
Described mobile device utilizes the website of bank interface of described time deposit, the information step of described time deposit account and password being obtained the time deposit under the described time deposit account as input comprises: described mobile device utilizes the website of bank interface of described time deposit, described time deposit account and password are obtained the information of the time deposit under the described time deposit account, the information that shows and preserve the time deposit under the described time deposit account as input; Described mobile device utilizes the website of bank interface of described demand deposit, described demand deposit account and password are obtained the information of the demand deposit under the described demand deposit account, the information that shows and preserve the demand deposit under the described demand deposit account as input.
Wherein, described mobile device to notify the user, is perhaps notified the user corresponding information with form of sound by show corresponding information in predetermined interface.
For solving the problems of the technologies described above, the another kind of technical scheme that the present invention adopts is: a kind of device of managing deposit is provided, comprises the first acquisition module, the first judge module and notification module; Described the first acquisition module is used for obtaining account and the password of user's time deposit, and utilize the website of bank interface of described time deposit, described time deposit account and password are obtained the information of the time deposit under the described time deposit account as input, and obtain the up-to-date fixed-term deposit rate of bank; Described the first judge module is used for receiving time deposit information and the up-to-date regular interest rate of described the first acquisition module, and judge whether should be with described time deposit unloading, being judged as should be with described time deposit unloading the time, produce the advisory information of described time deposit unloading to corresponding bank; Described notification module is used for receiving the advisory information of described the first judge module, and notifies the user with described suggestion.
Wherein, described the first judge module comprises the first judging unit, computing unit and the second judging unit; Described the first judging unit is used for judging that described up-to-date fixed-term deposit rate is whether greater than the script interest rate of described time deposit; Described computing unit is used in described up-to-date fixed-term deposit rate during greater than the script interest rate of described time deposit, calculate described time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate, wherein, described critical fate is: critical fate=360n(r1-r0)/(r1-r2), described n is the time limit of described time deposit, described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place; Described the second judging unit is used for judging that whether described critical fate deposit fate greater than described time deposit, described critical fate greater than described time deposit deposit fate the time, being judged as should be with described time deposit unloading, and produces the advisory information of described time deposit unloading to corresponding bank.
Wherein, described device also comprises the second acquisition module, the second judge module and the 3rd judge module; Described the second acquisition module is used for obtaining prior notice time and the current date that the user arranges; Whether described the second judge module equals the described prior notice time for the difference of the due date of judging current date and described time deposit, difference in due date of current date and described time deposit equals described prior notice during the time, produces the described time deposit information that expires; The described time deposit that described notification module is further used for receiving described the second judge module information that expires, and with the described time deposit message informing user that expires; Described the 3rd judge module is used for receiving the up-to-date fixed-term deposit rate of bank of the first acquisition module, and judge whether described up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate, not not simultaneously, produce the fixed-term deposit rate updating message, wherein, described historical fixed-term deposit rate is the last up-to-date fixed-term deposit rate of obtaining; Described notification module further is used for receiving the fixed-term deposit rate updating message of the 3rd judge module, and notifies the user with described fixed-term deposit rate updating message.
Wherein, described device comprises display module and memory module; Described the first acquisition module is further used for obtaining user's demand deposit account and password, and utilize the website of bank interface of described demand deposit, described demand deposit account and password are obtained the information of the demand deposit under the described demand deposit account as input; Described memory module is used for preserving the information of described time deposit, information and the up-to-date fixed-term deposit rate of demand deposit; Described display module is used for showing the information of described demand deposit and the information of described time deposit.
Be different from prior art, the present invention is by obtaining up-to-date fixed-term deposit rate, when the unloading income of time deposit is higher than original income, provide the unloading suggestion to the user, so that the user can in time carry out unloading, simultaneously, the present invention utilizes the website of bank interface that the information of deposit is provided to the user, and informing function is set, made things convenient for the management of user to deposit.
Description of drawings
Fig. 1 is the process flow diagram that the present invention manages method one embodiment of deposit;
Fig. 2 is the particular flow sheet of step S101 and S102 among Fig. 1 of the present invention;
Fig. 3 is the particular flow sheet of step S103 and S104 among Fig. 1 of the present invention;
Fig. 4 is the process flow diagram that the present invention manages another embodiment of method of deposit;
Fig. 5 is the structural representation that the present invention manages device one embodiment of deposit;
Fig. 6 is the structural representation that the present invention manages another embodiment of device of deposit;
Fig. 7 is the device structural representation of an embodiment again that the present invention manages deposit.
Embodiment
Describe below in conjunction with accompanying drawing and concrete embodiment.
See also Fig. 1, method one embodiment that the present invention manages deposit may further comprise the steps:
Step S101: the time deposit account and the password that obtain the user;
Portable terminal provides inputting interface, and prompting user is inputted account and the password of time deposit at this interface, after the user inputs the account and password of time deposit, and account and the password of the time deposit of acquisition for mobile terminal user input.
Step S102: the information of obtaining the time deposit under the described time deposit account;
After the account and password of the time deposit of acquisition for mobile terminal user input, utilize the website interface of described time deposit place bank, account and the password of described time deposit obtained the time deposit under the time deposit account as input information.More optimally, after the account and password of acquisition for mobile terminal user's time deposit, determine first whether the user authorizes.After the user determined to authorize, portable terminal just obtained the information of time deposit.For example: the user inputs account and the password of the time deposit of only one China bank, portable terminal provides first confirms that the interface is to determine whether the user authorizes the information of obtaining its time deposit, after the user confirms to authorize, portable terminal logs in the website of Bank of China, according to account and the password of the time deposit of user input, the information of automatic acquisition user's time deposit.Wherein, described time deposit information include time deposit trade date, deposit phase, due date, deposit capital, originally interest rate and former Yield To Maturity etc.
Step S103: judging whether should be with described time deposit unloading;
Portable terminal obtains the up-to-date fixed-term deposit rate of bank at set intervals by predetermined network interface.Wherein, above-mentioned a period of time can be by portable terminal self-defined or defined by the user obtaining.And predetermined network interface is for obtaining the network interface of the up-to-date fixed-term deposit rate of bank, for example: the website of Central Bank.After the information of acquisition for mobile terminal time deposit, according to the up-to-date fixed-term deposit rate of the information of time deposit and the bank that obtains in advance, judging whether should be with described time deposit unloading.The time deposit unloading is then entered step S104 if be judged as, otherwise, step S105 entered with process ends.
Step S104: produce with described time deposit unloading to the advisory information of corresponding bank to notify the user;
Portable terminal produce with described time deposit unloading to the advisory information of corresponding bank to notify the user.In the present embodiment, portable terminal is by showing that in predetermined interface advisory information is to notify the user, but need to prove, portable terminal is not limited only to by showing that in predetermined interface advisory information is to notify the user, in other embodiments, portable terminal can show advisory information to notify the user by the status bar at portable terminal, perhaps portable terminal can be notified user etc. with the alarm clock form.
S105: process ends.
More optimally, see also Fig. 2, Fig. 2 is the particular flow sheet of step S101 and S102 among Fig. 1.Step S101 and S102 comprise following substep:
Substep S201: obtain user's time deposit account and password, and demand deposit account and password;
Portable terminal provides inputting interface, and prompting user is inputted account and the password of time deposit at this interface, after the user inputs the account and password of time deposit, and account and the password of the time deposit of acquisition for mobile terminal user input.Simultaneously, portable terminal also provides inputting interface, and prompting user is inputted account and the password of demand deposit at this interface, after the user inputs the account and password of demand deposit, and account and the password of the demand deposit of acquisition for mobile terminal user input.
Substep S202: obtain the information of the time deposit under the time deposit account, show and preserve the information of time deposit;
After the account and password of the time deposit of acquisition for mobile terminal user input, utilize the website interface of described time deposit place bank, account and the password of described time deposit obtained the time deposit under the time deposit account as input information.More optimally, after the account and password of acquisition for mobile terminal user's time deposit, determine first whether the user authorizes.After the user determined to authorize, portable terminal just obtained the information of time deposit.Wherein, described time deposit information include time deposit trade date, deposit phase, due date, deposit capital, originally interest rate and former Yield To Maturity etc.
Substep S203: obtain the information of the demand deposit under the demand deposit account, show and preserve the information of demand deposit;
After the account and password of the demand deposit of acquisition for mobile terminal user input, utilize the website interface of described demand deposit place bank, account and the password of described demand deposit obtained the demand deposit under the demand deposit account as input information.More optimally, after the account and password of acquisition for mobile terminal user's demand deposit, determine first whether the user authorizes.After the user determined to authorize, portable terminal just obtained the information of demand deposit.Wherein, described demand deposit information includes trade date, deposit capital, the rate of call etc. of demand deposit.
More specifically, see also Fig. 3, Fig. 3 is the particular flow sheet of step S103 and S104 among Fig. 1.Step S103 and S104 comprise following substep:
Substep S301: judge that up-to-date fixed-term deposit rate is whether greater than the script interest rate of time deposit;
Mobile device obtains the script interest rate of time deposit from the information of time deposit after, judge that the up-to-date fixed-term deposit rate of bank obtain in advance is whether greater than the script interest rate of time deposit, if the predetermined up-to-date fixed-term deposit rate of bank of obtaining is greater than the script interest rate of time deposit, then carry out substep S302, otherwise, carry out substep S308 with process ends.
Substep S302: calculate described time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate;
Portable terminal obtains the demand deposit interest rate of the bank at time deposit place by predetermined network interface, information and up-to-date fixed-term deposit rate with time deposit are calculated the time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate, wherein, critical fate is that time deposit answers unloading to the upper limit of depositing fate of the bank at up-to-date fixed-term deposit rate place.Particularly,
Critical fate=360n(r1-r0)/(r1-r2),
Described n is the time limit of described time deposit, and described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, and described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place.
Further illustrate, the phase of depositing of described time deposit is 1 year, its script interest rate is 3.00%, and the demand deposit interest rate of described time deposit place bank is 0.50%, and the up-to-date deposit rate that gets access to greater than time deposit script interest rate by predetermined network interface is 3.25%.Formula according to critical fate can get:
Critical fate=360 * 1 * (3.25%-3.00%)/(3.25%-0.50%)=32(days), so this time deposit unloading to the upper limit of depositing fate of the bank at up-to-date regular interest rate place is 32 days, unloading is to the bank at up-to-date regular interest rate place when depositing fate less than 32 days to be about to time deposit, and the obtainable unloading income of user is greater than the script income.
Substep S303: judge that whether critical fate deposit fate greater than time deposit;
Mobile device from the information of time deposit, obtain time deposit deposit fate after, judge critical fate whether greater than time deposit deposit fate, if critical fate greater than time deposit deposit fate, then enter substep S304, otherwise, enter substep S308 with process ends.
Substep S304: calculate and to estimate the unloading income with what the time deposit unloading obtained to bank corresponding to up-to-date fixed-term deposit rate;
More optimally, critical fate greater than time deposit deposit fate the time, portable terminal calculates estimates the unloading income with what the time deposit unloading obtained to bank corresponding to up-to-date fixed-term deposit rate.Wherein, the described unloading income of estimating is the income sum that obtains in original time deposit place bank after the income that obtains under the new fixed-term deposit rate and unloading after the time deposit unloading.For example: the capital of time deposit is 10000 yuan, its phase of depositing is 1 year, its script annual rate is 3.00%, the demand deposit annual rate of described time deposit place bank is 0.50%, and up-to-date deposit annual rate is 3.25%, unloading when depositing fate and be 10 days, then estimate the unloading income and be: 10000 * 3.25% * (365-10)/360+10000 * 0.50% * 10/360 approximates 321.87(unit).
Substep S305: judge estimate the unloading income whether greater than former Yield To Maturity with estimate unloading loss sum;
Estimate the unloading income according to what substep S304 obtained, portable terminal judges whether greater than former Yield To Maturity with estimate unloading lose sum, lose sum greater than former Yield To Maturity with estimating unloading if estimate the unloading income if estimating the unloading income, then enter substep S306, otherwise, enter substep S307.In the present embodiment, estimate unloading loss and be: if the bank of unloading is not original bank, and during by the unloading of bank transfer mode, then consider transfer charge; Perhaps the bank of unloading and user do not exist storage when concerning, also need to consider the open an account service charge etc. of needs of user.Connect an example and proceed explanation: be 10000 * 3.00% * 1=300(unit according to the former Yield To Maturity of the information acquisition of time deposit).If the bank that wants unloading is not identical with original bank and want the bank of unloading and user to have the storage relation, during then by bank transfer, needing service charge is 20 yuan, so former Yield To Maturity and estimate unloading to lose sum be 320 yuan.In a upper example, calculated to such an extent that to estimate the unloading income be 321.87 yuan, estimate the unloading income greater than former Yield To Maturity with estimate unloading loss sum, so enter substep S306.
Substep S306: produce with the time deposit unloading to the advisory information of corresponding bank to notify the user;
Estimate the unloading income greater than former Yield To Maturity when estimating unloading loss sum, portable terminal produce with the time deposit unloading to the advisory information of corresponding bank to notify the user.
Substep S307: if produce without the unloading loss then with the time deposit unloading to the advisory information of corresponding bank to notify the user;
When estimating the unloading income and being less than or equal to former Yield To Maturity and unloading loss sum, if portable terminal produce without the unloading loss then with the time deposit unloading to the advisory information of corresponding bank to notify the user.In the present embodiment, portable terminal is when notifying user's unloading, and the specifying information that can produce the unloading loss is considered unloading with reminding user by actual conditions.
Substep S308: process ends.
See also Fig. 4, another embodiment of method that the present invention manages deposit may further comprise the steps:
Wherein, step S401, S402, S409, S410, S411 are identical with step S101, S102, S103, S104, S105 in the upper embodiment respectively, the related text that sees also a upper embodiment about the specific descriptions of above-mentioned steps is described, and gives unnecessary details no longer one by one at this.
Step S403: obtain prior notice time and current date that the user arranges;
Portable terminal provides in advance inputting interface to allow the user that time deposit is set and expires the prior notice time.The prior notice time that the acquisition for mobile terminal user sets and current date.Wherein, for example, the prior notice time that the user sets is one day, then expires at time deposit and notifies the previous day the user to expire apart from the time of due date of fixed deposit phase that the described prior notice time arranges for the user, overdue date of prior notice user.
Step S404: whether the difference of judging current date and due date equals the prior notice time;
Due date in the information of acquisition for mobile terminal time deposit, judge whether the difference of current date and due date equals the time of prior notice.If the difference of current date and due date equals the time of prior notice, then enter step S405, otherwise, enter step S406.
Step S405: produce described time deposit and expire information to notify the user;
When the difference of current date and due date equaled the time of prior notice, portable terminal produced time deposit and expires information to notify the user.In the present embodiment, portable terminal is by showing that in predetermined interface time deposit expires information to notify the user, but need to prove, portable terminal is not limited only to by showing that in predetermined interface time deposit expires information to notify the user, in other embodiments, portable terminal can show that by the status bar at portable terminal time deposit expires information to notify the user, and perhaps portable terminal can be notified user etc. with the alarm clock form.
Step S406: utilize predetermined network interface, obtain the up-to-date fixed-term deposit rate of bank;
Portable terminal obtains the up-to-date fixed-term deposit rate of bank at set intervals by predetermined network interface.Wherein, above-mentioned a period of time can be by portable terminal self-defined or defined by the user obtaining.And predetermined network interface is for obtaining the network interface of the up-to-date fixed-term deposit rate of bank.
Step S407: judge whether up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate;
The historical fixed-term deposit rate of acquisition for mobile terminal, judge whether up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate, if up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate, then enter step S408, whether judge by unloading to time deposit for portable terminal, otherwise enter step S411 with process ends.Wherein, historical fixed-term deposit rate is the fixed-term deposit rate of obtaining from the predetermined network interface of portable terminal last time of preserving.
Step S408: produce the fixed-term deposit rate updating message notifying the user, and preserve the up-to-date fixed-term deposit rate of bank;
Different from historical fixed-term deposit rate in up-to-date fixed-term deposit rate, then fixed-term deposit rate has renewal, and portable terminal is preserved historical fixed-term deposit rate as next time with up-to-date fixed-term deposit rate, and generation fixed-term deposit rate updating message is to notify the user.In the present embodiment, portable terminal is by showing that in predetermined interface the fixed-term deposit rate updating message is to notify the user, but need to prove, portable terminal is not limited only to by showing that in predetermined interface the fixed-term deposit rate updating message is to notify the user, in other embodiments, portable terminal can show the fixed-term deposit rate updating message to notify the user by the status bar at portable terminal, perhaps portable terminal can be notified user etc. with the alarm clock form.
Be different from prior art, embodiment of the present invention is by obtaining up-to-date fixed-term deposit rate, when the unloading income of time deposit is higher than original income, provide the unloading suggestion to the user, so that the user can in time carry out unloading, simultaneously, the present invention utilizes the website of bank interface that the information of deposit is provided to the user, and informing function is set, made things convenient for the management of user to deposit.
See also Fig. 5, Fig. 5 is the structural representation that the present invention manages device one embodiment of deposit.The device 100 of in the present embodiment, management deposit comprises the first acquisition module 110, the first judge module 120 and notification module 130.
The first acquisition module 110 is used for obtaining account and the password of user's time deposit, and utilize the website of bank interface of described time deposit, described time deposit account and password are obtained the information of the time deposit under the described time deposit account as input, and obtain the up-to-date fixed-term deposit rate of bank.
Particularly, the first acquisition module 110 is used for after the user inputs the account and password of time deposit, obtains account and the password of the time deposit of user's input.Then, the first acquisition module 110 utilizes the website interface of described time deposit place bank, account and the password of described time deposit obtained the time deposit under the time deposit account as input information.More optimally, after the first acquisition module 110 obtains user's the account and password of time deposit, determine first whether the user authorizes.After the user determined to authorize, the first acquisition module 110 just obtained the information of time deposit.For example: the user inputs account and the password of the time deposit of only one China bank, the first acquisition module 110 determines first whether the user authorizes the information of obtaining its time deposit, after the user confirms to authorize, the website of the first acquisition module 110 login Bank of Chinas, according to account and the password of the time deposit of user input, the information of automatic acquisition user's time deposit.Wherein, described time deposit information include time deposit trade date, deposit phase, due date, deposit capital, originally interest rate and former Yield To Maturity etc.In addition, the first acquisition module 110 also is used for obtaining by predetermined network interface at set intervals the up-to-date fixed-term deposit rate of bank.Wherein, above-mentioned a period of time can be by the first acquisition module 110 self-defined or defined by the user obtaining.And predetermined network interface is for obtaining the network interface of the up-to-date fixed-term deposit rate of bank, for example: the website of Central Bank.
The first judge module 120 is used for receiving time deposit information and the up-to-date regular interest rate of the first acquisition module 110, and according to described time deposit information and up-to-date regular interest rate, judging whether should be with described time deposit unloading.Be judged as should be with described time deposit unloading the time, the first judge module 120 produces the advisory information of described time deposit unloading to corresponding bank.
See also Fig. 6, Fig. 6 is the structural representation that the present invention manages another embodiment of device of deposit.The device 200 of in the present embodiment, management deposit comprises: the first acquisition module 210, the first judge module 220, notification module 230, memory module 240 and display module 250.Wherein, the first judge module 220 comprises the first judging unit 221, computing unit 222 and the second judging unit 223.
The first acquisition module 210 is corresponding with the first acquisition module 110 in the upper embodiment, obtains 210 detailed description to first and sees also a upper embodiment related text and describe, and does not repeat them here.
More optimally, in the present embodiment, the first acquisition module 210 is further used for obtaining user's demand deposit account and password, and utilize the website of bank interface of described demand deposit, described demand deposit account and password are obtained the information of the demand deposit under the described demand deposit account as input.Particularly, the first acquisition module 210 is used for after the user inputs the account and password of demand deposit, obtains account and the password of the demand deposit of user's input.Then, the first acquisition module 210 utilizes the website interface of described demand deposit place bank, account and the password of described demand deposit obtained the demand deposit under the demand deposit account as input information.Wherein, described demand deposit information includes trade date, deposit capital, the rate of call etc. of demand deposit.
The first acquisition module 210 sends time deposit information and the demand deposit information of obtaining to the first judging unit 221, memory module 240 and display module 250 in the first judge module 220.
The first judging unit 221 is used for judging that described up-to-date fixed-term deposit rate is whether greater than the script interest rate of described time deposit.Particularly, after the first judging unit 221 receives the time deposit information and up-to-date fixed-term deposit rate of the first acquisition module 210 transmissions, judge that whether up-to-date fixed-term deposit rate is greater than the script of the time deposit in time deposit information interest rate.
Critical fate=360n(r1-r0)/(r1-r2),
Described n is the time limit of described time deposit, and described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, and described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place.
Further illustrate, the phase of depositing of described time deposit is 1 year, its originally interest rate be 3.00%, the demand deposit interest rate of described time deposit place bank is 0.50%, and greater than time deposit originally the up-to-date deposit rate of interest rate be 3.25%.Computing unit 222 calculates according to the formula of critical fate:
Critical fate=360 * 1 * (3.25%-3.00%)/(3.25%-0.50%)=32(days), so it is 32 days that computing unit 222 calculates this time deposit unloading to the upper limit of depositing fate of the bank at up-to-date regular interest rate place, unloading is to the bank at up-to-date regular interest rate place when depositing fate less than 32 days to be about to time deposit, and the obtainable unloading income of user is greater than the script income.
The second judging unit 223 is used for judging that whether described critical fate deposit fate greater than the information time deposit of time deposit, described critical fate greater than described time deposit deposit fate the time, the second judging unit 223 produces the advisory information of described time deposit unloading to corresponding bank, and sends to notification module 230.
More optimally, see also Fig. 7, Fig. 7 is the device structural representation of an embodiment again that the present invention manages deposit.The device 300 of in the present embodiment, management deposit comprises: the first acquisition module 310, the first judge module 320, notification module 330, memory module 340, display module 350, the second acquisition module 360, the second judge module 370 and the 3rd judge module 380.Wherein, the first judge module 320 comprises the first judging unit 321, computing unit 322 and the second judging unit 323.
Present embodiment is at the enterprising one-step optimization of advancing of a upper embodiment, so the first acquisition module 310 in the present embodiment, notification module 330, memory module 340, display module 350, the first judging unit 321, the first acquisition module 210 of computing unit 322 and the second judging unit 323 and a upper embodiment, notification module 230, memory module 240, display module 250, the first judging unit 221, computing unit 222 and the second judging unit 223 correspondences, no longer give unnecessary details at this, if needed, see also the text description of correlation module or the unit of an embodiment.
The second acquisition module 360 is used for obtaining prior notice time and the current date that the user arranges.Particularly, the second acquisition module 360 makes the user set the prior notice time in advance, and the second acquisition module 360 obtains the described prior notice time that sets and current date.Wherein, the described prior notice time arrange for the user, the overdue date of prior notice user is apart from time of due date of fixed deposit phase.
The second judge module 370 was used for judging whether the difference of the due date of time deposit in current date and the time deposit information equals the prior notice time after the prior notice time and current date of the time deposit information that receives the first acquisition module 310 and the second acquisition module 360.Difference in due date of current date and described time deposit equals prior notice during the time, and the second judge module 370 produces the described time deposit information that expires, and sends to notification module 330.
The 3rd judge module 380 is used for receiving the up-to-date fixed-term deposit rate of the first acquisition module 310 and the historical fixed-term deposit rate of memory module 340, and judges whether up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate.Not not simultaneously, the 3rd judge module 380 produces the fixed-term deposit rate updating message, and notify the first judge module 320 to judge whether should be with described time deposit unloading.Wherein, described historical fixed-term deposit rate is the up-to-date fixed-term deposit rate that last time first acquisition module 310 that memory module 340 is preserved obtains.
Optimally, the first judge module 320 is used for judging up-to-date fixed-term deposit rate and historical fixed-term deposit rate not simultaneously at the 3rd judge module 380 that just judging whether should be with described time deposit unloading.
Be different from prior art, embodiment of the present invention is by obtaining up-to-date fixed-term deposit rate, when the unloading income of time deposit is higher than original income, provide the unloading suggestion to the user, so that the user can in time carry out unloading, simultaneously, the present invention utilizes the website of bank interface that the information of deposit is provided to the user, and informing function is set, made things convenient for the management of user to deposit.
The above only is embodiments of the invention; be not so limit claim of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to do; or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (10)
1. a method of managing deposit is characterized in that, may further comprise the steps:
Mobile device obtains user's time deposit account and password;
Described mobile device utilizes the website of bank interface of described time deposit, described time deposit account and password is obtained the information of the time deposit under the described time deposit account as input;
Described mobile device is according to the information of described time deposit and the up-to-date fixed-term deposit rate of bank of obtaining in advance, judging whether should be with described time deposit unloading, should be with described time deposit unloading if be judged as, then described mobile device produce with described time deposit unloading to the advisory information of corresponding bank to notify the user.
2. method according to claim 1 is characterized in that, described judging whether may further comprise the steps described time deposit loading procedure:
Described mobile device judges that described up-to-date fixed-term deposit rate is whether greater than the script interest rate of described time deposit, if described up-to-date fixed-term deposit rate is greater than the script interest rate of described time deposit, then calculate described time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate, wherein, described critical fate is: critical fate=360n(r1-r0)/(r1-r2), described n is the time limit of described time deposit, described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place;
Described mobile device judge described critical fate whether greater than described time deposit deposit fate, if described critical fate greater than described time deposit deposit fate, then being judged as should be with described time deposit unloading.
3. method according to claim 2 is characterized in that, described mobile device produces the advisory information of described time deposit unloading to corresponding bank be may further comprise the steps with the notice user steps:
Described mobile device calculates estimates the unloading income with what described time deposit unloading obtained to bank corresponding to up-to-date fixed-term deposit rate, wherein, and the described total revenue of unloading income for described time deposit unloading is obtained to the described corresponding bank of estimating;
Described mobile device judge described time deposit estimate the unloading income whether greater than former Yield To Maturity with estimate unloading loss sum, if described time deposit estimate the unloading income greater than former Yield To Maturity with estimate unloading loss sum, then portable terminal produce with described time deposit unloading to the advisory information of corresponding bank to notify the user, otherwise, if portable terminal produce without the unloading loss then with described time deposit unloading to the advisory information of corresponding bank to notify the user, wherein, the described total losses of unloading loss for described time deposit unloading to described corresponding bank might be caused of estimating.
4. method according to claim 1 is characterized in that, the described information step of obtaining the time deposit under the described time deposit account comprises afterwards:
Described mobile device obtains prior notice time and the current date that the user arranges;
Described mobile device judges whether the difference of the due date of current date and described time deposit equals the described prior notice time, if the difference of the due date of current date and described time deposit equals the described prior notice time, then produce described time deposit and expire information to notify the user;
Described mobile device judges whether and with before the described time deposit loading procedure, comprising according to the information of described time deposit and the up-to-date fixed-term deposit rate of bank of obtaining in advance:
The network interface that described mobile device utilization is predetermined obtains the up-to-date fixed-term deposit rate of bank;
Described mobile device judges whether the up-to-date fixed-term deposit rate of described bank is different from historical fixed-term deposit rate, if different, then produce the fixed-term deposit rate updating message to notify the user, and preserve the up-to-date fixed-term deposit rate of described bank and carry out step afterwards, if identical, process ends then, wherein, described historical fixed-term deposit rate is the last up-to-date fixed-term deposit rate of bank of obtaining.
5. method according to claim 1 is characterized in that, time deposit account and password step that described mobile device obtains the user comprise:
Described mobile device obtains user's time deposit account and password, and demand deposit account and password;
Described mobile device utilizes the website of bank interface of described time deposit, and the information step of described time deposit account and password being obtained the time deposit under the described time deposit account as input comprises:
Described mobile device utilizes the website of bank interface of described time deposit, described time deposit account and password are obtained the information of the time deposit under the described time deposit account, the information that shows and preserve the time deposit under the described time deposit account as input;
Described mobile device utilizes the website of bank interface of described demand deposit, described demand deposit account and password are obtained the information of the demand deposit under the described demand deposit account, the information that shows and preserve the demand deposit under the described demand deposit account as input.
6. according to claim 1 to 5 each described methods, it is characterized in that described mobile device to notify the user, is perhaps notified the user corresponding information with form of sound by show corresponding information in predetermined interface.
7. a device of managing deposit is characterized in that, described device comprises the first acquisition module, the first judge module and notification module;
Described the first acquisition module is used for obtaining account and the password of user's time deposit, and utilize the website of bank interface of described time deposit, described time deposit account and password are obtained the information of the time deposit under the described time deposit account as input, and obtain the up-to-date fixed-term deposit rate of bank;
Described the first judge module is used for receiving time deposit information and the up-to-date regular interest rate of described the first acquisition module, and judge whether should be with described time deposit unloading, being judged as should be with described time deposit unloading the time, produce the advisory information of described time deposit unloading to corresponding bank;
Described notification module is used for receiving the advisory information of described the first judge module, and notifies the user with described suggestion.
8. device according to claim 7 is characterized in that, described the first judge module comprises the first judging unit, computing unit and the second judging unit;
Described the first judging unit is used for judging that described up-to-date fixed-term deposit rate is whether greater than the script interest rate of described time deposit;
Described computing unit is used in described up-to-date fixed-term deposit rate during greater than the script interest rate of described time deposit, calculate described time deposit unloading to the critical fate of bank corresponding to described up-to-date fixed-term deposit rate, wherein, described critical fate is: critical fate=360n(r1-r0)/(r1-r2), described n is the time limit of described time deposit, described r1 is the up-to-date fixed-term deposit rate of the described time deposit bank that wants unloading, described r0 is the script interest rate of described time deposit, and described r2 is the demand deposit interest rate of the bank at described time deposit place;
Described the second judging unit is used for judging that whether described critical fate deposit fate greater than described time deposit, described critical fate greater than described time deposit deposit fate the time, being judged as should be with described time deposit unloading, and produces the advisory information of described time deposit unloading to corresponding bank.
9. device according to claim 7 is characterized in that, described device also comprises the second acquisition module, the second judge module and the 3rd judge module;
Described the second acquisition module is used for obtaining prior notice time and the current date that the user arranges;
Whether described the second judge module equals the described prior notice time for the difference of the due date of judging current date and described time deposit, difference in due date of current date and described time deposit equals described prior notice during the time, produces the described time deposit information that expires;
The described time deposit that described notification module is further used for receiving described the second judge module information that expires, and with the described time deposit message informing user that expires;
Described the 3rd judge module is used for receiving the up-to-date fixed-term deposit rate of bank of the first acquisition module, and judge whether described up-to-date fixed-term deposit rate is different from historical fixed-term deposit rate, not not simultaneously, produce the fixed-term deposit rate updating message, wherein, described historical fixed-term deposit rate is the last up-to-date fixed-term deposit rate of obtaining;
Described notification module further is used for receiving the fixed-term deposit rate updating message of the 3rd judge module, and notifies the user with described fixed-term deposit rate updating message.
10. device according to claim 7 is characterized in that, described device comprises display module and memory module;
Described the first acquisition module is further used for obtaining user's demand deposit account and password, and utilize the website of bank interface of described demand deposit, described demand deposit account and password are obtained the information of the demand deposit under the described demand deposit account as input;
Described memory module is used for preserving the information of described time deposit, information and the up-to-date fixed-term deposit rate of demand deposit;
Described display module is used for showing the information of described demand deposit and the information of described time deposit.
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| CN2012104659733A CN102999865A (en) | 2012-11-16 | 2012-11-16 | Deposit management method and device |
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| CN2012104659733A CN102999865A (en) | 2012-11-16 | 2012-11-16 | Deposit management method and device |
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