DE1140381B - Process and device for the automatic determination of the interest figures by program-controlled business machines - Google Patents

Description

Process and device for the automatic determination of the interest figures by program-controlled business machines The invention relates to a method and an arrangement for performing the method for automatic determination the debit and / or credit interest figures required for the progressive interest calculation during a booking process by removing the old debit and / or credit interest figures Depending on the values and signs, the old balance, the turnover, if necessary and the new balance calculated therefrom changed, saved and / or written down are driven by program-controlled business machines, especially by multiplying Booking machines. In banking, it is known to calculate the interest various Items (sales) according to days and the same rate of interest to use interest figures. The interest numbers are calculated from the product of capital and days, divided by a hundred. you Value changes with every turnover. The interest numbers obtained in this way will be added up and divided by the constant so-called interest divisor, so that a division is only to be carried out once at the end of a billing period. The calculation and evaluation of the interest figures are therefore an essential factor for simplification the calculation of interest in banking, especially in current account transactions.

Various methods are known for calculating interest. In the progressive method, sales are made on the last day of the accounting period and with the retrograde method based on the first day of the accounting period. Both procedures are known as the so-called current account procedure. she have the advantage that no sorting and posting according to value dates (currencies) are required is. A separation according to debit and credit interest is not possible, as is the case with Current account transactions are required.

This disadvantage is avoided by the so-called staggered method, in which the interest is calculated from the balance. In addition to the after Posting data sorted account an interest scale sorted according to currency retrospectively created. The automatic implementation of this last-mentioned procedure is with Possible using punch card technology. However, the technical implementation is uneconomical, because the punch cards to be produced separately cannot be evaluated sufficiently. Further sorting according to different characteristics are usually at credit institutions not mandatory. In the case of the punch card method, with regard to the calculation of interest only the manual sorting is automated. Since the interest calculation is very complex is, the calculation of the interest was partially waived (e.g. for wage and Salary accounts), the interest has been estimated or the value date has been simplified. One A satisfactory solution to the problem is not achieved here, above all one economically justifiable and automatic calculation of interest not feasible is.

With the development of booking engines, the attempt was made to to automate interest calculation in banking. For a long time this is possible with regard to the procedure in the current account by multiplying Booking machines are used by programming their functional sequence accordingly will.

It makes sense to also calculate the interest in current account transactions to automate the use of booking engines. That is what the peculiarities are of current account transactions, such as B. Pre- and post-valuation, page change the balances with different compound interest for debit and credit, so if z. B. during a posting the balance changes from debit to credit and vice versa or if for the amounts in debit and credit as well as with granted credit are different Interest rates must apply. The previously known devices for automation the interest calculation while maintaining the previous value date practice only a partial automation by the machine without difficulties part of the interest calculation that can be automated. The corrections by jumping of the balance must continue to be handwritten on the account card Getting corrected.

There is also known a method in which the correction while jumping of the balance retrospectively in a separate operation from the booking engine can be carried out by machine. However, there are concessions regarding the To make value dates.

In a known booking engine, the interest days are entered through registers that are programmed daily, similar to the automatic date printing. For the most common currencies, five to six registers are sufficient to show the interest days for contain the associated value date. There is also the possibility; for not fixed programmed currency to key in the corresponding interest days. When calling The booking engine writes the value date to the register key in a known manner on the account and the daily statement, while the programmed interest days as a factor be taken over by the booking engine.

This method of automatic progressive and permanent interest calculation does not differ significantly from the well-known automatic interest capitalization in the. Savings transactions, as long as the accounts are constantly kept on a debit or credit basis will. The situation is different with accounts, their value date and / or book balances Switch from debit to credit and vice versa. Credit notes are not sufficient here addition or subtraction required from a credit or debits or borrowed interest carried forward. Rather, accounts with changing accounts fall in one posting line Balances to both debit and credit interest figures, each of which is different Have a sign. In the case of debits, the applicable interest figures are to be paid to be added to the debit interest carried forward if the value date balance of the account is in the debit, or to be deducted from the credit interest carried forward, provided that the The value-date balance is in the credit, or vice versa in the case of credits. In the Control after posting are therefore those accounts for which a balance change is present, sorted out, and the interest payment balance in debit and credit interest balance retrospectively, z. B. with conventional calculating machines, disassembled.

The invention is based on the object of calculating interest as well to be carried out fully automatically in the event of a balance change from credit to debit and vice versa. The old debit and / or credit interest figures are used depending on the values and sign of the old balance, the turnover and the new balance as required changed, saved and / or written down. The fully automatic calculation the interest figures takes place in accordance with the embodiment of the invention in that according to automatic Formation of the product from the interest time and the entered turnover is a logical one Decision based on the sign of the old balance and the sales is carried out in such a way that if this sign is the same, the precalculated Product (interest numbers) in a first memory and in the case of inequality in a second memory and added or subtracted to the old interest figures contained in these becomes that if the sign is unequal a further logical decision in. Dependency of the old balance and the new balance is carried out in such a way that if this sign is unequal, another product of the interest time and the calculated new balance is formed, which is fed to the first and second memory is, and that when falling below a predetermined value in one of these memories the negative sum is set equal to zero and to the sum of the other memory is added. The interest time is the difference from the value date to viewed at the end of the period. After or when calculating the interest figures, it is at Application of the method according to the invention possible by taking into account one automatically and directly to determine the interest rate using a predetermined factor. This factor mostly represents the so-called interest factor and can be given with a constant interest rate be entered as a fixed value in the booking engine, or will be entered separately in each case supplied via special storage devices or manually.

According to a further embodiment of the invention, when writing of the new balance or the calculated interest figures the saved sign of the If necessary, old balances are deleted by special order, while it is in the case of multiple bookings is retained or, if necessary, changed due to the sign of the new balance will. If a cancellation is necessary, press the appropriate button Function key redirects the individual arithmetic operations and logical decisions.

According to a further embodiment of the invention is to carry out the Method a multiplying booking engine known per se with an additional one Control of the existing machine equipment, such as B. arithmetic units, clichés, Mistake. The additional control is done by program commands; the accordingly the method according to the invention by an electromechanical or electronic Counting chain can be triggered step by step. According to a further embodiment of the invention is used to carry out the logical decision as to whether the new balance is the same as the old one Balance is, d. H. whether both balances are credit or debit balances, as well as the logical one Decision whether the newly calculated interest payment amount is positive or not, that existing cliché of the booking engine is used. The reversal of arithmetic operations and logical decisions of the booking engine to carry out a cancellation takes place expediently by a relay or an electronic switching means.

The invention is illustrated below with reference to one shown in FIGS. 1 and 2 illustrated embodiment explained in more detail. 1 shows the logical one Functional sequence and FIG. 2 the circuit for carrying out this functional sequence.

in the circuit are not all essential for understanding the invention necessary electrical circuits and machine facilities of the booking machine are not shown. They are both in their circuit structure and in their interaction assumed to be known, so that in FIG. 2 only those switching elements and Current flows are shown, which are known from the circuit and structure of the multiplying Posting machines differ and allow the functional sequence shown in Fig. 1. The embodiment described below is based on a relay-controlled Booking engine coordinated, but it can also be without special trouble be adapted to an electronically operating accounting machine. In order to explain of the method according to the invention, a relay circuit was chosen, since this is easier to understand compared to an electronic circuit.

Each time a booking is made, it is known that the respective Keying in or by automatic removal z. B. necessary from a read-only memory Information such as account number, booking date, old balance, value date or interest days, Sales, among other things, shown. These entered values are then converted into corresponding Arithmetic units, clichés or storage of the booking engine calculates further values and written down, including the new balance. With this one For example, the old interest figures are also used to calculate the new interest figures to key in. Of this information, only the old balance, the interest days and the old interest figures saved. When you enter the sales value, this becomes and the saved old balance immediately calculates the new balance. Simultaneously the turnover is stored in the booking engine's multiplier. aside from that when the old balance is entered, its sign is saved as this is used for Implementation of logical decisions evaluated in the method according to the invention will. Furthermore, when the sales posting is triggered, the interest calculation is carried out automatically initiated. This calculation is to be described using the circuit. Of the circuit transition of the circuit shown in Fig. 2 and the circuit not shown known circuit of the booking engine used and also not related to it Works shown are shown in Fig. 2 as program points (PG), the z. B. are summarized in a solder distributor.

As an example of the functional and circuit-related sequence of the method according to the invention, it is assumed that the first posting to the account is an old balance of 100 DM debit and a turnover of 300 DM debit and entered as old interest figures in debit and credit will. Furthermore, the interest period, which is calculated from the difference between the value date and the end of the period, is 25 days. This interest period is either keyed in in a special column of the document or taken from constant works of the booking machine depending on the booking document (check and other) by means of a code number in a known manner or calculated from the data of the value date. The new balance is calculated as the value of 400 DM debit. The new interest figures must therefore result in 1075 in debit and 500 in credit, since this is not a balance change, but only a sales posting in debit. The circuit flow of this bill is as follows: The old interest figures are adopted in a known manner, not shown, in the unillustrated plants of the accounting machine 1I (debit) and III (credit). Of these works, only the call relays R 1I and R III are shown in FIG. As mentioned above, when the old balance is entered, its sign, in the example the "Soll" sign, is saved by the relay VAS by entering the "Soll" column of the old balance or by pressing the set button closed contact s 1, the relay VAS is energized, which remains until the relay Z IV of the relay chain, as described below, is energized.

When the sales value of 300 DM target is keyed in, since it is a target sales, the relay US (sales target) is excited via program item PG 3, which is activated by a self-contact us 2 and a contact zrb 2 of an end relay ZRB holds. Simultaneously with this, the first chain relay ZI of a relay chain for controlling the course of the interest calculation and the relay F Il are energized, which triggers the transfer of the sales value to the not shown multiplier of the booking machine and thus the multiplication of the interest time with the sales in a manner known per se.

The interest figures for this booking are calculated with the value 75.

The first functional step shown in FIG. 1 is thus carried out. The booking engine must now make the logical decision as to whether sales and old balance are both debit or credit, that is, whether they have the same sign or not. This logical decision is carried out in the circuit according to FIG. 2 by the relay A GU . Since the relay VA S (sign-age-balance) was energized via program point PG 2 and the contact s 1 closed when the machine carriage drove into the target column , and the sales relay US was energized via program point PG3 when the paper carriage enters the target column for sales the AGU relay will now respond via the closed contacts us3 and vas1, thus showing that the entered sales value is the same as the old balance. In the present example, the logical statement as to whether the turnover is equal to the old balance is therefore already made during the machine operation of the multiplication. The evaluation of this decision is only carried out after the multiplication has taken place when the relay F 1I which triggers the multiplication and a relay MA, not shown, which only responds for the duration of any machine operation after the selection of the arithmetic operation has ended, have dropped out. As a result, the relay ZVL is excited via the contacts us4, zro3, f 11 1 and times , which now remains via its contact zrl3 as long as one of the relays in the counting chain Z I to Z 7 is excited. This relay ZVL thus says that the process of calculating the interest is running or not. Since the relay ZI of the counting chain is energized, the relay PR is energized via its contact z 13 after the contact zvl5 is closed. This relay controls in a known manner, not shown, the retrieval of the product formed in the arithmetic unit 1I, also not shown. At the same time, the circuit for the relay R 1I is prepared via the contact z13, the contact us 9 and the switched contact agu 2 and, after the relay AD has been energized via the contact zvl4 and the inactive contacts -u9, an existing one in the booking machine General reversing relay and contact mi 1 via contact adl closed. In this settlement the product into the calculator Il and the contact is now closed times, so that through this contact and the contacts mi 2 and zvl3 the relay RSB responds. This relay holds only until the end of the machine Ganges, which runs until the contact is opened once, and initiates the relaying of the counting chain.

Since in the present case the old balance has the same sign as the turnover, ie since the relay AGU is energized; the other calculation dependent on the "yes" decision was carried out by the booking engine. Since this was a simple addition of the calculated debit interest figures, the calculation of the new interest figures is completed by entering them into arithmetic unit II. The circuit can thus be returned to its rest position. This is done in that the relay ZRB is energized by closing the contact rsb 1 via the contacts z 11, gu 8 and the switched contact agul. At the same time, through the contacts erb 2 the relay US, through the contact erb 3 the relay ZVL, through the contact us3 the relay A GU, through the contact zvl3 the relay RSB and through the contact zvll the relay ZRB and through the contact us 1 das Relay z I returned to their rest positions. With this, all relays energized up to now have been fed back except for the relay VAS, which, however, continues to be held via the contact z IV 4. This relay falls through a special program command (delete), which z. B. is programmed together with the writing of the new balance, by energizing the Zähikettenrelais ZIV via the program point PG 1. In the case of collective bookings, on the other hand, the relay VAS (corresponding to a Raben booking of the relay VAH) must be kept energized, since in this case the old balance is not carried forward again.

After the booking engine has been released, it becomes known per se, not as shown, after the record of the turnover, the value of the automatically The calculated new balance (in the present example equal to 400 DM debit) is written down and also the new interest figures resulting from the billing by sums in the two works II and IIl, in the present example the interest figures 1075 im Debit and 500 in credit.

While in the present example the interest calculation is based on a simple Example has been described, let the following example be that shown in FIG vertical functional sequence described in more detail. Here too, the entered Interest days and the entered turnover (in terms of amount) the new interest figures are calculated. This is also followed by the evaluation of the logical decision as to whether sales is equal to the old balance. In the example to be described this is not the Case, so that the "no" decision now takes effect.

It is assumed here that the old balance is 300 DM in debit and the turnover is 400 DM in credit with 40 interest days. Since the previous calculation resulted in only 25 days as the interest time, this means that the booking that has now been made should have been made before the last booking in terms of value dates, as is known to have been achieved with the previous grading method through the subsequent sorting according to value dates. After the last posting, 1075 interest figures and 500 interest figures in credit were determined. After this new posting, the new interest payment totals 0 should appear in the debit and 1025 in the credit. Not only does a balance change appear here, but also a correction of the interest figures in debit and credit is necessary. The functional sequence caused by this example is explained in more detail in the following: The calculation of the new interest figures from the interest days and the sales and the decision as to whether the old balance is equal to the sales is carried out analogously to the example described above. After these functions, the first relay ZI of the counting chain, the Rais ZVL, the relay RSB and the relay VAS and instead of the relay US now the relay UH, since it is a credit transaction, are energized. The relay AGU is not energized because on the one hand the contact uh3 (Raben sales) and der'Kontakt vasl (old balance in the target) are closed and a circuit for the relay AGU is not established. This means that sales and old balance have different signs.

Deviating from the functional sequence of the first game, the circuit is now prepared via contact z13 (relay ZI is maintained via the switching contact chain of the counting chain and contact zvl1), as well as via contacts uh 9 and the unswitched contact agu 1, the circuit via relay R 1I . This relay does not respond because the relay AD (addition) is excited via the contact zvl4 and the contacts gu 9 and mi 1, which are in the rest position, and thus contact ad 1 is switched. The value of the product value is therefore taken over in a known manner in a complementary set of wheels of the booking engine. During this machine operation, the relay MA , not shown, is energized, so that now, after the contact ma3 is closed, both the relay KR (complementary gear set) and the minus relay MI are energized. By switching the contact mi 1 , the relay AD drops out, and now the relay R II of the arithmetic unit II picks up by switching the. Contact ad 1 , and the complementary value is transferred to the arithmetic unit hl in a manner known per se, ie mathematically from the in the arithmetic unit 11 old interest number sum (1075) is subtracted. In this machine operation, the contact k is closed only during a certain time interval (for example during an angular position of 10 to 200 ° of the arithmetic unit shaft). The relay RSB is thus excited via this contact k and the switched contact m1 2 and contact zvl3. This completes the first calculation step. The counting chain is now advanced to its second switching step via the contacts rsb 1, z I 1, gu 8, agu l: The relayZII of the counting chain is maintained via its contact z112 and the other chain relays z112 to zVII2, uhl and inch.

The next functional step shown in FIG. 1, the decision as to whether the new balance is the same as the old balance, is now carried out. When the chain relay ZII is excited, the auxiliary relay HZII is excited via the contacts rsb3, zvl5 and z113. The subtotal relay for plant 1 of the booking engine ZSMI is energized via its contact hz II 2. As a result, the subtotal is drawn in plant I of the accounting machine, not shown, - in which the new balance of sales and old balance remains stored. In this calculation, the value is transferred to the cliché in which the cliché relay KLM is energized via contact hz II 1. At the same time, the relay KRM for the complementary gear set is energized via the contacts hz 1I3 and the relay KFM of the factor cliché is energized via hzII4. The value of work I is thus made available both in the factor cliché and in the complementary gear set for later calculations.

Since the relay is energized MI for Minus account and the contact is open k, the relay RSF had now dropped again, so that now during this machine Ganges relay RSB is energized again via the contact times for the duration of this process. As a result, the relay ZIII is now excited via the contact rsb 1 and the contacts z1 l and z111, which is held by its contact z 111 2. Via the contacts rsb 3, zvl5 and z III 5, the sign position in the cliché KL is now queried, which in the example is positive due to the posted credit turnover and is marked by the machine as "9", so that via the contact z1113, uh 6, gu 2 the relay HZIII responds. The logical decision has thus been made that the new balance is not equal to the old balance. If the sign of the credit turnover were negative, which is marked by the machine in the cliché KL as "0", the relay ZRB would have been energized via the contacts z1114, u17 and gu 1. This would initiate the return of the circuit to its rest position and the calculated new interest value would be written out from the arithmetic unit I1.

However, since this is not the case, relay HZIII is energized and relay KRM is energized via its contact 1z1111 and relay FKM is energized via contacts 1z1113, switched contacts I 10 and gu 10. This means that the new balance stored as a complement in the booking machine, which was stored in the cliché, the complementary gear set (arithmetic unit) and in the factor cliché of the booking machine during the activation of the chain relay ZII, is transferred to the factor cliché as an absolute value in a special machine gear, since the Complementary New balance complementary in the complementary gear set, ie in this absolute, is stored. During this takeover, the contacts ma are again switched, so that the relay RSB is now excited via contact times. This switches the counting chain on to the next step in the manner described above, so that now the relay ZIV is energized. This now triggers the multiplication of the interest day with the new balance by energizing relay F11 via contacts rsb 3, zvl 5 and contact zIV 3. Since there is no machine operation in this case, the counting chain is now switched on by energizing the relay 0M via the contact f 112, in that the relay RSB is energized by the contact om. The chain relay ZV is now energized. Via the contact z V 4, the relay PR is energized on the one hand, and the two relays R II and R III are energized on the other hand via contact gu 5 and the switched contact ad 1. At the same time, the relay VAH is energized via the contact z V 3 and closed contact uh 5, after the relay VAS has been thrown off via the normally closed contact zIV 4 during the energization of the chain relay ZIV. This is necessary for collective postings, since the sign of the new balance becomes the sign of the old balance for the next posting, but this must be the opposite sign of the old balance if a balance change occurs. In the present example, this changeover would not be necessary, since the calculated new balance is written down immediately and not saved. Since a machine gear is triggered by the excitation of the relays PR, R 11 and R III, the contacts ma now switch again. As a result, the relay RSB is excited via the contacts mal, mi 2 and zvl3 and the counting chain is switched to its next step. The relay Z VI responds and brings the auxiliary relay HH via the contact z VI 3 and the contacts uh 8 and gu 3. Thus, the intermediate sum relay ZSMII of the arithmetic unit 1I of the booking machine is energized via the contact zVII4 and 1h2. At the same time, the relay KLM of the cliché KL comes via the contact hh 1. As a result, the value from the arithmetic unit II is taken over into the cliché KL for the purpose of the logical decision as to whether the interest number sum contained in the work III is positive or not. A machine gear occurs again, so that the contacts ma close and the relay RSB is energized via contact ma 2. This relay now switches the counting chain from its sixth step to its last step in the manner described above. The chain relay z VII responds. Now the cliché KL is again queried for the sign positions contained in it via the contact z V117. In the present example this is negative, so that it is now z. B. appears as "9". This means that the auxiliary relay HH is again energized via the contacts z 1113 and z VII 5 and via the contacts uh 8 and gu 3. The “no” decision shown in FIG. 1 has thus been made. If the value in the cliché KL were positive, the sign would appear as "0". This would via the contacts z1114 and zV116 the relay ZRB excited and returned to the circuit in its rest position and the calculated new rate value written down, because in the present example, the relay HH is excited, is the contact for V114 and contact 1H3 the sum relay SUMII of the arithmetic work II excited. Thus, in a known manner, not shown, the value in the works II is deleted and at the same time the winding of the relay R III marked as the minus side is prepared via the contacts z VII 8, 1h 4 and gu 6 and the relay KR is energized and the relay Ml is prepared . The relay KR brings the complementary gear train relay KRM via its contact kr. In this way, the value from the arithmetic unit 1I is transferred to the complementary gear train in a complementary manner. Since it was complementary in the arithmetic unit 1I, it is now absolutely in the complementary gear train. In this machine operation, the contacts ma become effective, so that the relay M1 is now excited via contact ma3. The contact mi 2 prevents the relay RSB from responding via the contact. At the same time, however, by switching over the contact mi 1, the addition relay AD is deenergized, so that the relay R111 now responds via the contact ad 1. As a result, the absolute value of the sum of the interest figures in the complementary gear train is added to the value in the arithmetic unit 111 . In this machine gear, the contact k has again switched, so that it now becomes effective via the switched contact mi 2 and energizes the relay RSB. When the contact rsb 1 closes, the end relay ZRB is brought via the contact chain z 1 1 to z VI 1 and the closed contact z VII 1. This relay controls in the manner described above (Example 1) the return of the circuit to its rest position. Here, too, the VAH relay is activated by a special program command (delete), which is e.g. B. is programmed together with the writing of the new balance, brought to shedding by response of the chain relay z IV.

According to these two examples described, the Switching other common processes for the automatic calculation of interest, in particular according to the second example, can be carried out for a target sales posting. In these other processes, those in the two examples are then used Relay HS not mentioned, but shown in Fig. 2 (auxiliary relay setpoint) the relays SUMIU for the totals of plant III of the accounting machine and the relay ZSMIII is required for the subtotals of plant HI of the posting machine. So can be used, for example, for postings that are made after the end of the period, but based on production are before the end of the period, retroactive accounting is required. Here are the Interest days negative, so that the interest figures in. opposite sense than with one Booking the same but positive interest period must be changed.

Farther. It may be necessary to cancel the booking is required. Such a cancellation can also be made with the one shown in FIG. 2 Circuit can be carried out by the per se existing in the booking engine General reversing device is brought into effect. This general reversing device then controls the contacts shown in the circuit gu. With this cancellation contrary to the functional sequence shown in FIG. 1, the first of the Logical decision made by the booking engine whether the old balance is equal to the Sales are redirected in such a way that if a "no" decision is made, the corresponding newly calculated debit interest figures in the arithmetic unit III or in the case of credit interest figures in the arithmetic unit II are entered and then the circuit in its rest position is returned. On the other hand, in the case of a “yes” decision, the one shown in FIG. 1 is shown vertical function sequence carried out accordingly:

Claims (7)

PATENT CLAIMS: 1. Process for the fully automatic determination of the debit and / or credit interest figures required for the progressive interest calculation during a booking process by adding the old debit and / or credit interest figures depending on the values and signs, if necessary, the old balance, the turnover and the resulting Calculated new balances are changed, stored and / or written down by program-controlled business machines, in particular by multiplying booking machines, characterized in that after the automatic formation of the product of the interest period and the entered turnover, a logical decision depending on the sign of the old balance and the turnover in this way it is carried out that if this sign is the same, the previously calculated product is fed to a first memory and if it is not equal to a second memory and added or subtracted to the old interest numbers contained therein chens another logical decision depending on the old and the new balance is carried out in such a way that if this sign is not equal, a further product of the interest period and the calculated new balance is formed, which is fed to the first and second memory, and that at Falling below a predetermined value in one of these memories, the negative sum is set equal to zero and added to the sum formed in the other memory. 2. Procedure according to claim 1, characterized in that after or during the calculation of the new Interest figures automatically by taking into account a predetermined factor (interest factor) the interest can be determined directly in the booking engine. 3. Procedure according to the Claims 1 and 2, characterized in that the calculated sum of interest payments in one memory is set to zero when its sum falls below the value "0" (Change of balance). 4. The method according to claims 1 and 2, characterized in that that the calculated sum of interest payments is set to "0" in one memory, when its sum falls below a predetermined value other than zero (Loan overdue interest). 5. Process according to claims 1 to 4, characterized in that that the stored sign of the old balance by special program command or when writing out the new balance or the new interest payment amount as required is deleted. 6. The method according to claims 1 to 4, characterized in that that the sign of the saved old balance is retained in the case of multiple bookings or, if necessary, is changed based on the sign of the new balance. 7th Method according to Claims 1 to 6, characterized in that in the event of cancellation the arithmetic operations and logical decisions by special program instructions or by pressing a button. B. Means for carrying out the. Method according to claims 1 to. 7, characterized in that a known per se Multiplying booking engine with an additional control of the existing one Machine equipment (arithmetic units, clichés, etc.) can be used. 9. Establishment according to claim 8, characterized in that the additional control by program commands he follows. 10. Device according to claims 8 and 9, characterized in that a step-by-step incremental counting chain (ZI to ZVH) the individual functional steps controls. 11. Device according to claim 10; characterized in that the counting chain is formed from relays (Z I to Z VH). 12. Device according to claim 10, characterized marked; that the counting chain consists of electronic switching elements. 13th Device according to claims 8 to 12; characterized in that the decision News Balance equals old balance and interest payment total equals positive the existing writing cliché the booking engine can be used. 14. Device according to claims 8 to 12, in particular for carrying out the method according to claim 7, characterized in that that de reversal in the event of a cancellation by the one contained in the booking engine Basic reversal device (contacts gu) takes place. 15. Device according to the claims 8 to 14, characterized in that with negative interest time an opposite The interest figures to be calculated have changed. 16. Device according to claim 15, characterized in that the opposite change by de in the Booking machine existing general reversing device (contacts gu) takes place.