存款主要业务实体结构

— 01 —

背景

Background

正如在前序文章需求挖掘框架中所说，一切设计本质上都是在均衡商业价值、系统实现、客户体验之间的关系，而“程序=数据结构+算法”，理解存款常涉及的卡、账户、子户、存单之间的结构关系是理解存款业务实体设计的主要组成部分。

As mentioned in the previous article on the requirement mining framework, all designs are essentially about balancing the relationship between business value, system implementation, and customer experience. The saying "program = data structure + algorithm" applies here. Understanding the structural relationships between cards, accounts, sub-accounts, and deposit certificates, which are commonly involved in deposit transactions, is a major part of comprehending the business entities of deposit designs.

— 02 —

卡与账户

Cards and Accounts

从系统角度，存款账户的交易不应依赖于卡的存在，如从手机APP端网上开的二类户不需要卡就能正常转账、交易，但存款接受外部一张卡签约内部多个账户。

From a system perspective, transactions of deposit accounts should not be dependent on the existence of a card. For example, a class-two account opened through a mobile app can conduct normal transfers and transactions without a card. However, deposits can accept an external card to sign up for multiple internal accounts.

— 03 —

账户与子户

Accounts and Sub-accounts

从客户角度，统一账户方便记忆、管理、交易，但于系统而言，无论是精细化隔离账户不同类型的交易还是核算，都需要再多一层区分结构，这便是子账户被设计出来的主要原因。

From the customer's point of view, a unified account is convenient for memory, management, and transactions. For the system, whether it is for detailed isolation of account transactions or accounting, an additional layer of distinction is needed. This is the main reason why sub-accounts are designed.

— 04 —

子户与存单

Sub-accounts and Deposit Slip

每次存入的金额/期限/利率等要素的差异都可能导致该次存入不能简单地叠加在历史存入上统一规则来计息，且有FILO/FIFO等业务要求，因而即便在同一子户下，隔离每笔存入、分开计息管理依然是有必要的。

Differences in the amount, term, interest rate, and other elements of each deposit may prevent the simple aggregation of that transaction on top of historical deposits for unified interest calculation. There are also business requirements such as FILO (First In, Last Out) and FIFO (First In, First Out). Therefore, even under the same sub-account, it is still necessary to isolate each deposit and manage interest calculation separately.

— 05 —

卡&账户&子户&存单结构概览

Card & A/Cs & Sub-A/Cs & Slips

一个简单的示例如下。

A simple example is as follows.

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