Common Account Inquiry

Chinese source: 公共查询
Locale: en-US
Audience: Internal learning

Business Frame

Common Account Inquiry is the main entry point for understanding customer accounts, deposit accounts, balances, product rules, transaction history, rollover history, interest simulation, and interest payment history.

The learning path is:

Customer account -> sub-account/deposit account -> balance/rate/term/status -> transaction and interest history.

Transaction List

Code	English Name	Page Type	Study Focus
[3001]	Customer Account Information Inquiry	Customer account inquiry	Customer account container, restriction status, liability account list.
[3002]	Deposit Account Information Inquiry	Deposit account inquiry	Sub-account details, product, balance, rate, term, and status.
[3003]	Customer Account Transaction History Inquiry	Transaction history	Transaction records by account/sub-account and references.
[3210]	Time Deposit Rollover History Inquiry	Rollover history	Prior term, next term, principal, interest, rate, and maturity.
[3206]	Time Deposit Interest Simulation	Interest simulation	Estimate interest based on product, amount, rate, and dates.
[3204]	Account Interest Payment History Inquiry	Interest history	Review paid or posted interest records.

[3001] Customer Account Information Inquiry

This page retrieves customer-level account information. It helps determine whether the customer account exists, whether it is restricted, whether it is closed, and which liability accounts or sub-accounts are attached.

Reading focus: customer ID, customer account number, account name, account type, restriction status, closure status, and liability account information.

Risk controls: customer account data is sensitive. Access should be permission-controlled and auditable.

[3002] Deposit Account Information Inquiry

This page retrieves specific deposit account or sub-account details. It is where product, currency, ledger balance, available balance, interest rate, value date, maturity date, and sub-account status become visible.

Reading focus: product code, product name, currency, balance, available balance, account status, restriction status, rate, term, value date, maturity date, and rollover instructions.

[3003] Customer Account Transaction History Inquiry

This page shows customer account transaction history. It supports troubleshooting, customer explanation, reversal research, and audit review.

Reading focus: transaction date, host business date, transaction amount, debit/credit flag, business reference, system reference, original reference, transaction code, and memo.

[3210] Time Deposit Rollover History Inquiry

This page explains how one time deposit term became the next. It is critical for answering questions about principal, interest, rate changes, maturity date changes, and whether interest was paid out or rolled over.

Reading focus: original principal, original rate, rollover principal, rollover interest, receiving account, new value date, new maturity date, and rollover method.

[3206] Time Deposit Interest Simulation

This page estimates interest for a time deposit based on product, amount, rate, and date assumptions. It is useful for learning and customer explanation, but simulation is not the same as actual posting or payment.

Reading focus: product, principal, rate, value date, maturity date, calculation period, estimated interest, and assumptions.

[3204] Account Interest Payment History Inquiry

This page shows interest that has already been posted or paid. It should be used when explaining actual customer earnings, comparing simulation to result, or checking whether interest was credited to the expected account.

Reading focus: interest payment date, amount, receiving account, transaction reference, rate, and related deposit account.

Related Concepts

Concept	Link
Account hierarchy	Customer IDs, Account Numbers, and Account Hierarchy
Balances	Balances, Available Balance, and Frozen Balance
Time deposit rollover	Time Deposit Rollover
Interest	Interest Accrual, Posting, and Payment
References	Business References and System References