JP4478673B2 - Fund transfer processing system and fund transfer processing method - Google Patents

Description

  The present invention relates to a fund transfer processing system and a fund transfer processing method for transferring funds between a plurality of accounts.

  When multiple deposit accounts are established within a company group or company, in order to efficiently use the funds in each deposit account, the funds are centrally managed in a centralized account. Yes. Accounts in a company group or the like have a hierarchical structure in which other accounts are associated with a central account as a vertex.

  There has been proposed a system aimed at correctly executing the concentration and distribution of funds in an account having such a hierarchical structure (for example, Patent Document 1). In the system disclosed in Patent Document 1, fund transfer is performed by determining the processing order based on the hierarchical structure of the parent account, child account, and grandchild account.

Further, a system that aims to solve various problems in the system disclosed in Patent Document 1 is proposed in Patent Document 2. In the system disclosed in Patent Document 2, since the fund transfer process between the parent account and the child account is activated with the end of the fund transfer process between the child account and the grandchild account, the activation process is performed once. Two or more funds transfers can be processed in succession.
JP 2002-24559 A JP 2004-118590 A

  However, in Patent Document 1, when the number of accounts increases and the number of hierarchies increases, a great deal of labor is required to create a processing order. Patent Document 1 discloses only a configuration in which the fund concentration process and the fund allocation process are performed independently, and specific processes for executing the fund concentration process and the fund allocation process for each account. Is not disclosed.

  Further, in Patent Document 2, although it is described as a fund transfer process between accounts, a specific process for determining the amount of funds to be transferred is not disclosed, and it is not possible to automatically determine the amount of funds to be transferred. Have difficulty.

  An object of the present invention is to solve such a problem, and even when the number of accounts increases and the number of hierarchies increases, it is possible to easily and automatically execute a fund transfer process. It is to provide a fund transfer processing system and a fund transfer processing method.

The fund transfer processing system according to the present invention includes at least three layers including a first account, a second account lower than the first account, and a third account lower than the second account. A fund transfer processing system capable of adjusting a balance of a second account and a third account to a predetermined target balance of 0 or more by performing a fund transfer process between accounts having the above hierarchical structure, A condition information storage unit for storing fund transfer condition information including hierarchical structure information for identifying the hierarchical structure of accounts, and a target balance for each account; and an account information storage unit for storing account information including balance information for each account; A fund transfer information storage unit for storing fund transfer information for transferring funds between the accounts, and a control unit for generating the fund transfer information, wherein the control unit relates to the third account By selecting an account whose initial balance acquired from the information storage unit is higher than the target balance acquired from the condition information storage unit, and calculating the difference between the initial balance of the selected third account and the target balance. The concentrated amount of the third account is obtained , and the second account positioned higher than the third account for which the concentrated amount is obtained is inverted with respect to the difference between the initial balance of the third account and the target balance. By calculating the calculated value, the concentrated amount of the second account is obtained , the account with the initial balance acquired from the account information storage unit with respect to the third account is lower than the target balance, and the selected second account is selected. 3 accounts initial balance and the calculated distribution amount of the third account by calculating the difference between the target balance, be located above the third account determined the allocation amount It calculated the distribution amount of the second account by calculating the value obtained by inverting the positive and negative signs of the second account to the third account the initial balance and the target balance difference, the said concentrate amounts a second account to determine the distribution amount, a first centralized allocation of obtaining an intermediate balance of the second account by adding the account information initial balance and the concentration amount acquired from the storage unit and / or the allocation amount The calculation means selects an account whose intermediate balance is higher than the target balance acquired from the condition information storage unit with respect to the second account, and calculates the difference between the intermediate balance of the selected second account and the target balance To obtain the concentrated amount of the second account, and the first account located above the second account for which the concentrated amount has been obtained is determined as the intermediate balance of the second account and the target balance. Calculated concentration amounts of said first account by calculating the value obtained by inverting the positive and negative signs on the difference of Nsu, said intermediate balance with respect to the second account and select a lower than the target balance accounts, calculated the distribution amount of the second account by calculating the difference between the intermediate balance and the target balance of the second account is selected, the first account is located on top of the second account determined the allocation amount A second centralized distribution calculating means for calculating a distribution amount of the first account by calculating a value obtained by inverting the sign of the positive and negative signs with respect to the difference between the intermediate balance of the second account and the target balance; First fund transfer information for executing a first concentration process for transferring funds from a third account to the second account is set to the calculated concentration amount of the third account or the second account. Generate based on , Second fund transfer information for executing a second concentration process for transferring funds from the second account to the first account, the calculated second account or the concentration of the first account Third fund transfer information that is generated based on the amount of money and that executes a first distribution process for transferring funds from the first account to the second account is calculated from the first account or the calculated Generated based on the distribution amount of the second account, and the fourth fund transfer information for executing the second distribution process for transferring the funds from the second account to the third account, the calculated Fund transfer information drafting means that is generated based on the distribution amount of the second account or the third account and stores the generated first to fourth fund transfer information in the fund transfer information storage unit; wherein the third by the first centralized allocation calculation means After the centralized allocation calculation between the second account and the second account is executed, the centralized allocation calculation between the second account and the first account is executed by the second centralized allocation calculating means, and the fund transfer information slip issuance means, the first centralized, the second concentrating process, the first allocation process and the second allocation processing is performed in this order in the second through execution by the order balance in the account is slip issuance of the first through fourth funds transfer information to transfer money, not below the target balance.

The fund transfer processing method according to the present invention includes at least three layers including a first account, a second account lower than the first account, and a third account lower than the second account. A fund transfer processing method for adjusting a balance of a second account and a third account to a predetermined target balance of 0 or more by performing a fund transfer process between accounts having the above hierarchical structure, The account with the initial balance acquired from the account information storage unit for the third account is higher than the target balance acquired from the condition information storage unit, and calculates the difference between the initial balance of the selected third account and the target balance. with respect to the third determined concentration amounts account, second the account of the third account the initial balance and the target balance difference located in a third account upper determined the concentration amount by Calculated concentration amount of the second account by calculating the value obtained by inverting the negative sign, the third initial balance obtained from the account information storage unit with respect to the account selects a lower than the target balance accounts And calculating the difference between the initial balance of the selected third account and the target balance to determine the distribution amount of the third account, and the second position located above the third account from which the distribution amount was determined By calculating a value obtained by inverting the sign of the positive and negative signs with respect to the difference between the initial balance of the third account and the target balance for the account, the distribution amount of the second account is obtained , and the concentration amount and the distribution amount are calculated. a second account obtained, the first current for obtaining an intermediate balance of the second account by adding the account information initial balance and the concentration amount acquired from the storage unit and / or the allocation amount A distribution calculating step, said intermediate balance with respect to the second account, selects a higher account than the target balance obtained from the condition information storage unit, an intermediate balance and the difference of the target balance of the second account selected By calculating, the concentration amount of the second account is obtained , and the first account located higher than the second account for which the concentration amount is obtained is determined with respect to the difference between the intermediate balance of the second account and the target balance. Te calculated concentration amounts of said first account by calculating the value obtained by inverting the positive and negative signs, the intermediate balance with respect to the second account and select a lower than the target balance accounts, second selected first the account seek allocation amount of the second account by calculating an intermediate balance and the difference of the target balance, is located above the second account determined the allocation amount A second centralized allocation calculating step for calculating an allocation amount of the first account by calculating a value obtained by inverting a positive / negative sign with respect to the difference between the intermediate balance of the second account and the target balance of the second account; , First fund transfer information for executing a first concentration process for transferring funds from the third account to the second account, the calculated concentration of the third account or the second account. generated based on the amount, the second funds transfer information to execute the second intensive process to transfer funds to the first account from the second account, the calculated second account or the generated based on the concentration amount of the first account, the first third of the funds transfer information to execute the distribution process of moving the funds to the second account from a first account, is the calculated the Allocation of the first account or the second account Generated based on the amount, the fourth funds transfer information to execute the second allocation processing for moving funds into the third account from the second account, the calculated second account or the generated based on the allocation amount of the third account, with a fund transfer information slip issuance step of storing first to fourth funds transfer information the generated in said funds transfer information storage unit, the first concentration of After executing the centralized allocation calculation between the third account and the second account by the allocation calculating step, the centralized allocation calculation between the second account and the first account by the second centralized allocation calculating step. is executed, and the funds transfer information slip issuance step, the first centralized, the second concentrating process, the first allocation process and the second allocation processing is performed in this order in, the Said second account through execution in order Definitive balance to slip issuance of the first through fourth funds transfer information to transfer money, not below the target balance.

  According to the present invention, it is possible to provide a fund transfer processing system and a fund transfer processing method capable of easily and automatically executing a fund transfer process even when the number of accounts increases and the number of hierarchies increases. it can.

  First, an example of the structure of an account to be processed by the fund transfer processing system according to the present invention will be described with reference to FIG. As shown in the figure, in this example, the account has three hierarchical structures of a parent account 10, a child account 20, and a grandchild account 30. Here, the parent account 10 is, for example, a general account of a parent company in a company group or an account of a general management department of a head office in a company. The child account 20 is associated with the parent account 10 of the upper layer, and in this example, three child accounts 20a, 20b, and 20c are associated with one parent account 10. The grandchild account 30 is associated with the upper child account 20, and in this example, three grandchild accounts 30a, 30b, and 30c for one child account 20a, and three grandchildren for one child account 20b. Two grandchild accounts 30g and 30h are associated with each of the accounts 30d, 30e and 30f and one child account 20c. The child account 20 and the grandchild account 30 are, for example, an account of a subsidiary in a company group, an account of a grandchild company, and an account of a branch / branch office / sales office in the company. The account in this example is a current account, such as a current account or a savings account, but in order to make allocations and adjustments, it needs to be a current account that is a liquid account that can be given overdraft facilities. .

  Although the example shown in FIG. 1 has a three-layer structure, the present invention is not limited to this, and the fund transfer processing system according to the present invention can be easily applied to a hierarchical structure having four or more layers.

  Then, the whole structure containing the money transfer processing system concerning this invention is demonstrated using FIG.

  A fund transfer processing system 1 according to the present invention is connected to a billing system 2 and a terminal 5. The fund transfer processing system 1 and the billing system 2 / terminal 5 may be connected via a bus or cable, or may be connected via an arbitrary communication network. The accounting system 2 is connected to a cash management system (CMS) 3, which is connected to a user terminal 4 via a communication network.

  The money transfer processing system 1 is configured by a computer system and includes a control unit 11 and a database 12. Further, the fund transfer processing system 1 includes an input / output control circuit that performs control for executing data input / output with an external device such as the accounting system 2 or the terminal 3 as a configuration (not shown). .

  The control unit 11 executes various arithmetic processes for realizing the money transfer processing system 1. The control unit 11 is configured by connecting a storage unit such as a CPU (Central Processing Unit) and ROM / RAM to a bus. In the control unit 11, the CPU executes transfer and arithmetic processing based on a main program, a program developed in a RAM or the like, data temporarily stored, and the like. The RAM functions as a storage unit that temporarily stores data. The program expanded in the RAM includes a computer program that can execute the fund transfer process of the present invention.

  The database 12 is a storage unit (storage unit) that stores data, and includes a memory, a hard disk, and the like. In this example, the database 12 includes a condition information storage unit 121, an account information storage unit 122, and a fund transfer information storage unit 123.

  The condition information storage unit 121 stores information on fund transfer conditions (hereinafter simply referred to as “condition information”). The condition information is input from the terminal 5 to the fund transfer processing system 1 and stored in the condition information storage unit 121 by the control unit 11 of the fund transfer processing system 1. The condition information includes, for example, structure information for associating each account, target balance information for each account, base information for each account, fund transfer reference date, and execution timing. The addition, change, and deletion of the condition information stored in the condition information storage unit 121 can be performed at any time by changing the setting.

  In this example, the structure information is expressed as follows, where the hierarchy number is x = 1 to i and the number (identification number of the account in the same hierarchy) is y = 1 to j.

_{Account: xa y (x-1)} a y (x-2) a y ··· 1a 1

Here, “xa _y ” specifies the hierarchical level of the target account to be represented and the identification information of the account in that hierarchy, and “(x−1) a _y ” is immediately for this target account. The hierarchy level of the account associated with the target account in the upper hierarchy level and the identification information of the account in the hierarchy. Similarly, information specifying the account associated with the target account is arranged up to the highest account (parent account). Therefore, it is possible to identify the information specifying the target account and the information specifying the higher-level account associated with the target account by the structure information in such an expression format.

  The target balance information is information for specifying a balance amount indicating an amount to be left in each account by the fund transfer process. For example, when the balance amount is adjusted to zero, the target balance is zero, and when the balance amount is 10 million yen, the target balance is 10 million yen.

  The base information includes information on an affiliated region such as the Asian region, an affiliated country such as China, and an affiliated city such as Shanghai.

  The fund transfer reference date is a date on which the fund transfer is executed, can be set for each account, and can be transferred on a different date for each account. The fund transfer reference date can be specified by daily, weekly, date designation, or monthly.

  The execution timing is information for specifying when to execute the fund transfer process within one day, and the maximum number of times of execution per day can be set any number of times.

  The account information storage unit 122 stores the store number, account number, balance information, and the like of each account. The addition, change, and deletion of the account information stored in the account information storage unit 122 can be performed at any time by changing the setting.

  The fund transfer information storage unit 123 stores fund transfer information that is a drafting instruction. In the funds transfer information, an account and a transfer amount are associated with the Debit side and the Credit side.

In FIG. 2, the account system 2 executes registration processing for each account and fund transfer processing between accounts. The accounting system 2 in Japan is connected to the Zengin System, which is a computer system installed at the National Bank Association. The overseas accounting system 2 is connected to SWIFT (Society for Worldwide Interbank Financial Telecommunication), and fund settlement and the like are performed via SWIFT. Both the billing system 2 and the funds transfer processing system 1 can be mounted on a single host computer.
The cash management system (CMS) 3 is a system that executes various processes including a process of providing funds transfer information to the user in response to an inquiry request from the user.

  Next, the flow of processing in the money transfer processing system according to the present invention will be described. FIG. 3 is a flowchart showing the entire process. As shown in the figure, first, a fund transfer condition registration process is executed (S101). Fund transfer conditions are registered using the terminal 5. Specifically, when the operator inputs condition information to the terminal 5 using input means (keyboard, mouse, external medium reading device), the condition information is transmitted to the money transfer processing system 1. The control unit 11 of the money transfer processing system 1 receives the condition information and stores it in the condition information storage unit 121.

  Next, centralized allocation calculation is executed, and details of fund transfer are determined (S102). The concentrated distribution calculation is normally executed according to the fund transfer reference date and execution timing included in the condition information, but may be executed in response to an input of a concentrated distribution calculation execution request to the terminal 5. The concentrated distribution calculation process will be described in detail later, but the outline of the process will be described below.

First, an account in which the initial balance acquired from the account information storage unit 122 for the grandchild account 30 is higher than the target balance acquired from the condition information storage unit 121 is selected, and the difference between the initial balance of the selected grandchild account 30 and the target balance is selected. To calculate the concentration amount of the grandchild account 30. Next, the child account 20 positioned above the grandchild account 30 for which the concentrated amount is obtained is calculated by calculating a value obtained by inverting the sign of the positive and negative signs with respect to the difference between the initial balance of the grandchild account 30 and the target balance. After obtaining 20 concentrated amounts, the initial balance and the concentrated amount are added for all accounts to obtain the post-concentration amount. Furthermore, the post-concentration amount (may be an initial balance) of the selected grandchild account 30 is selected by selecting an account whose post-concentration amount (which may be an initial balance) acquired from the account information storage unit 122 regarding the grandchild account 30 is lower than the target balance. And the target balance difference is calculated by calculating the difference between the target balance and the target balance. By calculating a value obtained by inverting the sign of the child account 20 positioned above the grandchild account 30 for which the allocated amount is obtained with respect to the difference between the concentrated amount of the grandchild account 30 and the target balance, the child account 20 Calculate the allocated amount. Subsequently, the intermediate balance is calculated by adding the post-concentration amount and the distribution amount for all accounts.
Next, for the child account 20 for which the intermediate balance is obtained, an account having an intermediate balance higher than the target balance acquired from the condition information storage unit 121 is selected, and the difference between the intermediate balance of the selected child account 20 and the target balance is calculated. As a result, the concentrated amount of the child account 20 is obtained. Next, by calculating a value obtained by inverting the positive / negative sign of the difference between the initial balance of the child account 20 and the target balance for the parent account 10 positioned above the child account 20 for which the concentrated amount has been obtained. After obtaining 10 concentration amounts, the concentration amount for all accounts is determined.
Further, an account with an intermediate balance lower than the target balance with respect to the child account 20 is selected, and a difference between the target balance after the concentration of the selected child account 20 (which may be an intermediate balance) and the target balance is calculated. Calculate the allocated amount. By calculating a value obtained by inverting the sign of the parent account 10 positioned higher than the child account 20 for which the distribution amount has been obtained with respect to the difference between the post-concentration amount of the child account 20 and the target balance, the parent account 10 Calculate the allocated amount. Subsequently, the final balance is calculated by adding the post-concentration amount and the distribution amount for all accounts.

  Then, a drafting instruction is created based on the details of the determined funds transfer (S103). Specifically, the concentrated amount of the lower account, the concentrated amount of the upper account, the distribution of the upper account based on the concentrated amount and the allocated amount of the parent account 10, the child account 20 and the grandchild account 30 calculated by the concentrated allocation calculation process. A drafting instruction is generated in the order of the amount and the amount allocated to the lower account, and stored in the fund transfer information storage unit 123. The created drafting instruction is output to the billing system 2. A specific example of the drafting instruction creation process will be described later. The drafting instruction is fund transfer information that specifies a request for causing the bill system 2 to transfer funds between accounts.

  Next, details of the concentrated distribution calculation will be described. FIG. 5 is an explanatory diagram for explaining the concentrated distribution calculation. As shown in the figure, from the first-level account (the highest level account) that is the parent account, the second-level account that is the child account, the third-level account that is the grandchild account, and the i-th level account Concentrated distribution calculation is executed for each account up to (the lowest account) so that the target balance specified by the preset condition information is obtained. M in FIG. 5 indicates the order of processing, and has a relationship as shown in FIG. 4 with the hierarchy x. That is, in this example, the lowest account is set to “1” and the next higher account is set to “2” so that the processing is executed in order from the lowest account, and one lower layer of the highest account. Account (ie child account) is the last. For the parent account, which is the highest-level account, funds are transferred to and from the child account. This money transfer is handled as a process in the child account.

  The overall flow of the concentrated distribution calculation is shown in FIG. First, the control unit 11 substitutes an initial value 1 for m (S201). Next, the control unit 11 determines whether or not m is the number of hierarchies i, thereby determining whether or not the parent account is the last processing target (S202). When it is determined that m is not i, that is, the processing target is not a parent account, the control unit 11 calculates an initial balance indicated by A in FIG. 5 (S203) and calculates a concentrated amount indicated by B (S204). ), Post-concentration balance calculation indicated by C (S205), distribution amount calculation indicated by D (S206), and final balance calculation indicated by E (S207). Each calculation result is temporarily stored in the storage unit of the control unit 11. And the control part 11 substitutes m + 1 to m (S208), and repeatedly performs the process of S202-S208.

  In S202, when it is determined that m is i and the calculation target is determined to be a parent account, the control unit 11 substitutes an initial value 1 for m (S209). The control unit 11 determines whether m is i. If the control unit 11 determines that m is not i, the control unit 11 creates a drafting instruction for the concentrated amount of the layer associated with m (S211). Then, by substituting m + 1 into m (S212), the process moves to a higher hierarchy, and the processes of S210 to S212 are repeated in the same manner. As a result, drafting instructions for concentrated amounts are created for all levels of accounts from the lowest account to the child account. In S210, when it is determined that m is i and the calculation target is determined to be a parent account, the control unit 11 substitutes m-1 for m (S213), and shifts to a child account. , M is smaller than 1, that is, it is determined that the processing has been performed up to the lowest layer (S214), the processing is terminated. If it is determined in S214 that m is not smaller than 1, a draft instruction for the allocated amount of the layer associated with m is created (S215). Similarly, the processes of S213 to S215 are repeatedly executed. As a result, drafting instructions for the allocated amounts are created for the accounts of all the layers from the child account to the lowest layer.

  Next, details of the calculation of the initial balance (S203) indicated by A in FIG. 5 will be described using the flowchart of FIG. Here, processing is performed for all accounts. First, the parent account is processed. First, the control unit 11 substitutes an initial value 1 for x (S301). Next, the control unit 11 determines whether x is larger than a value i indicating the number of layers (S302). If the control unit 11 determines that x is greater than i, the control unit 11 ends the process. If the control unit 11 determines that x is not greater than i, the control unit 11 substitutes an initial value 1 for y (S303). Information 1 to j for identifying accounts in the same layer is assigned to y. The control unit 11 further determines whether y in the x hierarchy is greater than j indicating the number of accounts in the same layer (S304).

When determining that y in the x hierarchy is larger than j, the control unit 11 substitutes x + 1 for x (S309), thereby moving to a lower hierarchy and executing step S302 again. When determining that y in the x hierarchy is not larger than j, the control unit 11 determines whether m is 1, that is, whether the processing target is the lowest layer (S305). Control unit 11, when m is determined to be _1, the balance information of the account represented by _{xa y (x-1) a} y (x-2) a y ··· 1a 1, account information Acquired from the storage unit 122 and stored in the storage unit in association with each account (S308). On the other hand, if it is determined that m is not 1, the control unit 11 reads the final balance of the next lower layer, that is, m-1, from the storage unit, and stores this as the initial balance in the storage unit (S306). . After the processing of Steps S306 and S308, the control unit 11 substitutes y + 1 for y (S307), shifts to the processing of the next account in the same layer, and executes Step S304.

Next, details of the calculation of the concentrated amount indicated by B in FIG. 5 (S204) will be described using the flowchart of FIG. Here, processing is performed for the x hierarchy for m and its upper hierarchy. First, the control unit 11 substitutes an initial value 1 for y (S401). Next, the control unit 11 determines whether y in the x hierarchy with respect to m is larger than j indicating the number of accounts in the same layer (S402). If the control unit 11 determines that y is greater than j, the process ends. On the other hand, if the control unit 11 determines that y is not greater than j, the initial balance mA of the account to be processed xa _y (x−1) a _y (x−2) a _y ... 1a ₁ Is greater than the target balance T (S403). When the control unit 11 determines that the initial balance mA is not larger than the target balance T, the process proceeds to the next account processing in the same layer by substituting y + 1 for y (S406), and executes step S402. To do.

When the control unit 11 determines that the initial balance mA of the processing target account is larger than the target balance T, the control unit 11 selects this and selects the processing target account xa _y (x−1) a _y (x−2). The value obtained by multiplying the value obtained by subtracting the target balance T from the initial balance mA of a _y ... 1a ₁ by (−1) is calculated as the concentrated amount mB (S404). That is, a value obtained by inverting the sign of the positive and negative signs with respect to the difference between the initial balance mA and the target balance T is obtained and stored in the storage unit as the concentrated amount mB.

The control unit 11 further processes the account xa _y (x-1) a _y (x-2) a _y ... 1a ₁ immediately above the account to be processed (x-1) a _y (x-2) a _{y (x-3)} a _y a centralized amount mB of ··· 1a _1, account _xa y _(x-1) to be processed a y _(x-2) target from a y initial balance mA of ··· 1a ₁ Obtained by adding the value mB that has already been set as the concentrated amount to the higher level account x-1a _y (x-2) a _y (x-3) a _y ... 1a ₁ to the value obtained by subtracting the balance T. (S405), stored in the storage unit. When such processing is completed, the control unit 11 substitutes y + 1 (S406), and returns to step S402 to execute processing for the next account.

  Next, details of calculation of the post-concentration balance (S205) indicated by C in FIG. 5 will be described using the flowchart of FIG. Here, processing is performed for all accounts. First, the control unit 11 assigns the initial value 1 to x (S501), thereby processing the highest level account. Next, the control unit 11 determines whether x is larger than a value i indicating the number of hierarchies (S502). If the control unit 11 determines that x is greater than i, the control unit 11 ends the process. If the control unit 11 determines that x is not larger than i, the control unit 11 substitutes an initial value 1 for y (S503). The control unit 11 further determines whether y in the x hierarchy is larger than j indicating the number of accounts in the same layer (S504).

When determining that y in the x hierarchy is larger than j, the control unit 11 substitutes x + 1 for x (S507), thereby moving to a lower hierarchy and executing step S502 again. When the control unit 11 determines that y in the x hierarchy is not greater than j, after the accounts to be processed xa _y (x−1) a _y (x−2) a _y ... 1a ₁ are concentrated The balance mC is calculated by adding the initial balance mA and the concentrated amount mB stored in the storage unit, and stored in the storage unit (S505). After the process of step S505, the control unit 11 substitutes y + 1 for y (S506), thereby shifting to the process of the next account in the same layer and executing step S504.

Next, details of the calculation of the allocated amount indicated by D in FIG. 5 (S206) will be described using the flowchart of FIG. Here, processing is performed for the x hierarchy for m and its upper hierarchy. First, the control unit 11 substitutes an initial value 1 for y (S601). Next, the control unit 11 determines whether y in the x hierarchy with respect to m is larger than j indicating the number of accounts in the same layer (S602). If the control unit 11 determines that y is greater than j, the process ends. On the other hand, the control unit 11, when y is not greater than j, the accounts _xa y _(x-1) to be processed _{a y (x-2) a} y concentration after balance · · · 1a ₁ It is determined whether mC is smaller than the target balance T (S603). If the control unit 11 determines that the post-concentration balance mC is not smaller than the target balance T (S606), the process proceeds to the next account processing in the same layer by substituting y + 1 for y (step S602). Execute.

When determining that the post-concentration balance mC of the account to be processed is smaller than the target balance T, the control unit 11 selects this and selects the account to be processed xa _y (x−1) a _y from the target balance T. the _(x-2) the value obtained by subtracting the concentration after balance mC of a y ··· 1a _1, is calculated as the allocation amount mD (S604).

The control unit 11 further processes the account xa _y (x−1) a _y (x−2) a _y ... 1a ₁ immediately above the account to be processed x−1 a _y (x−2) a _y (x _-3) a y allocation amount mD of · · · 1a _1, account _xa y _(x-1 to be _{processed) a y (x-2)} a y ··· 1a 1 concentration after balance mC from the target balance T The value obtained by multiplying the value obtained by subtracting (-1) to the value obtained by subtracting ₁ is already set as the distribution amount in the upper account x-1a _y (x-2) a _y (x-3) a _y. The obtained value mD is obtained by adding and stored in the storage unit. That is, a value obtained by inverting the sign of the positive / negative sign for the difference between the target balance T and the post-concentration amount mC of the processing target account is obtained, and this value is added to the distribution amount mD of the already set higher account. Stored in the storage unit as the account distribution amount mD. When such a process is completed, the control unit 11 substitutes y + 1 (S606), shifts to the process for the next account in the same layer, and executes step S602.

  Next, details of the final balance calculation (S207) indicated by E in FIG. 5 will be described using the flowchart of FIG. Here, processing is performed for all accounts. First, the control unit 11 assigns the initial value 1 to x (S701), thereby processing the highest level account. Next, the control unit 11 determines whether x is larger than a value i indicating the number of hierarchies (S702). If the control unit 11 determines that x is greater than i, the control unit 11 ends the process. If the control unit 11 determines that x is not greater than i, the control unit 11 substitutes the initial value 1 for y (S703). The control unit 11 further determines whether y in the x hierarchy is larger than j indicating the number of accounts in the same layer (S704).

When determining that y in the x hierarchy is larger than j, the control unit 11 substitutes x + 1 for x (S707), thereby moving to a lower hierarchy and executing step S702 again. When the control unit 11 determines that y in the x hierarchy is not greater than j, the final balance of the account xa _y (x−1) a _y (x−2) a _y ... 1a _{1 to be} processed mE is calculated by adding the post-concentration balance mC and the allocated amount mD stored in the storage unit, and stored in the storage unit (S705). After the process of step S705, the control unit 11 substitutes y + 1 for y (S706), thereby shifting to the process of the next account in the same layer, and executes step S704.

Next, details of the draft instruction creation process (S211) in the flowchart of FIG. 6 will be described using the flowchart of FIG. First, the control unit 11 substitutes an initial value 1 for y (S801). Next, the control unit 11 determines whether y in the x hierarchy for m is larger than j indicating the number of accounts in the same layer (S802). If the control unit 11 determines that y is greater than j, the process from step S806 is executed. On the other hand, if it is determined that y is not greater than j, the control unit 11 creates a draft instruction for the concentrated amount from the lower account to the higher account. Account _xa y to be processed _{(x-1) a y (} x-2) a y concentrated amounts mB of · · · 1a ₁ determines whether less or than 0 (zero) (S803). If the control unit 11 determines that the concentrated amount mB is not smaller than 0, by substituting y + 1 for y (S805), the process proceeds to the next account processing in the same layer, and step S802 is executed.

When the control unit 11 determines that the concentrated amount mB of the processing target account is smaller than 0, the processing target account xa _y (x−1) a _y (x−2) a _y is displayed on the Debit side. ··· _{1a 1,} Credit (credit) to be processed accounts side upper account _{(x-1) a y (} x-2) a y (x-3) a y a · · · 1a _1, processing target account xa _y (x-1) a _y (x-2) a _y ... 1a A draft instruction is set with the concentrated amount mB of ₁ as the transaction amount (S804). The set drafting instruction, that is, the fund transfer information, is stored in the fund transfer information storage unit 123 of the database 12. After the process of step S804, by substituting y + 1 for y (S805), the process proceeds to the process of the next account in the same layer, and step S802 is executed.

If the control unit 11 determines in step S802 that y is greater than j, the process is terminated, and a distribution amount draft instruction creation is executed. First, an initial value 1 is substituted for y (S806). Next, the control unit 11 determines whether y in the x hierarchy for m is larger than j indicating the number of accounts in the same layer (S807). If the control unit 11 determines that y is greater than j, the process ends. On the other hand, if the control unit 11 determines that y is not larger than j, the allocated amount mD of the account to be processed xa _y (x−1) a _y (x−2) a _y ... 1a ₁ Whether or not is greater than 0 is determined (S808). If the control unit 11 determines that the allocated amount mD is not greater than 0, by substituting y + 1 for y (S810), the process proceeds to the next account processing in the same layer, and step S807 is executed.

When the control unit 11 determines that the allocated amount mD is larger than 0, the control unit 11 has an upper account (x−1) a _y (x−2) a _y (x−3) of the processing target account on the Debit side. _{) a y ··· 1a 1, Credit} ( credit) treated side target account _xa y _(x-1) to _{a y (x-2) a} y ··· 1a 1, processing target account _xa y (x-1 ) A _y (x-2) a _y ... 1a A drafting instruction is set with the allocated amount mD of ₁ as the transaction amount (S809). The set drafting instruction, that is, the fund transfer information, is stored in the fund transfer information storage unit 123 of the database 12. After the process of step S809, by substituting y + 1 for y (S810), the process proceeds to the next account process in the same layer, and step S807 is executed. Based on the drafting instruction data, the balance when the drafting of each account is performed can be obtained based on the value of the final balance shown in E of FIG.

  In the fund transfer processing system according to the present invention, as described above, the calculation is performed in order from the lower layer, so that the amount of calculation can be reduced. Furthermore, in the drafting instruction (fund transfer information), since the concentration from the lower account to the higher account is performed first, it is possible to avoid the balance from becoming less than zero as much as possible.

  Furthermore, by executing the centralized process before the distribution process, it is possible to avoid as much as possible that the balance of the higher-level account is less than zero.

  In the above example, an example of three layers has been described. However, the present invention is not limited to this, and the funds transfer process can be executed by the same algorithm in four or more layers. It is possible to reduce the labor associated with setting.

Next, an example of processing when funds are transferred in an account having a hierarchical structure shown in FIG. 13 will be described. FIG. 14 shows the calculation result of the concentrated distribution. First, in m = 1 processing (that is, grandchild account processing), the balance information stored in the account information storage unit 122 is acquired and set as the initial balance. Next, the calculation process of the concentrated amount is executed, and the sign of the initial balance of $ 70 is reversed for the grandchild account 3a ₃ 2a ₁ 1a ₁ higher than zero, which is the target balance, to set −70 dollars, and the grandchild account 3a ₃ 2a We set the initial balance of $ 70 grandchildren account _3a 3 _{2a 1} 1a 1 for _2a 1 1a ₁ is ₁ 1a ₁ of the upper account. Also Magokoza _3a 4 _2a 2 a code of the initial balance 60 US dollars to set the -60 dollars by inverting for 1a _1, grandchild account _3a 4 _2a 2 1a ₁ child account _2a 2 1a ₁ for grandchild account 3a is an upper Account ₄ 2a as it is to set the initial balance of $ 60 ₂ 1a _1.

Next, when the post-concentration balance is obtained by adding the initial balance and the concentration amount, the result is as shown in FIG. Furthermore, a calculation process of the allocated amount is executed. For the grandchild account 3a ₁ 2a ₁ 1a ₁ whose post-concentration balance is lower than zero, the post-concentration balance minus 30 dollars is reversed and $ 30 is set as the distribution amount, and the grandchild account 3a ₁ 2a ₁ 1a ₁ For a certain child account 2a ₁ 1a ₁ , a post-concentration balance of grandchild account 3a ₁ 2a ₁ 1a ₁ is set to $ 30. The set value is the distribution amount.

Moreover, also set $ 50 by reversing the sign of concentration after balance -50 dollars for Magokoza _3a 2 _{2a 1} 1a 1, the child account _2a 1 1a ₁ which is a higher account grandchild account _3a 2 _{2a 1} 1a 1 , The post-concentration balance of the grandchild account 3a ₂ 2a ₁ 1a ₁ is added to -50 dollars and -30 dollars set in the child account 2a ₁ 1a ₁ is added to set -80 dollars. Also grandchild account 3a ₅ 2a ₂ 1a ₁
The balance after concentration is set to $ 40 by inverting the sign of $ 40, and the concentration of the grandchild account 3a ₅ 2a ₂ 1a ₁ is set for the child account 2a ₂ 1a ₁ which is a higher level account of the grandchild account 3a ₅ 2a ₂ 1a ₁ Set the remaining balance-$ 40. Grandchild account _3a 6 _2a 2 1a ₁ set $ 10 by reversing the sign of concentration after balance -10 dollars for, for the child account _2a 2 1a ₁ which is a higher account grandchild account _3a 6 _2a 2 1a _1, grandchild account The balance after concentration of 3a ₆ 2a ₂ 1a ₁ −10 dollars and −40 dollars set in the child account 2a ₂ 1a ₁ are added to set −50 dollars. Then, when the post-concentration balance and the allocated amount are added, the final balance at m = 1 is obtained.

Subsequently, the process of m = 2 is executed. As the initial balance (intermediate balance), the final balance at m = 1 is set. Next, a calculation process of the concentrated amount is executed, the sign of the initial balance of $ 140 is inverted for the child account 2a ₁ 1a ₁ higher than zero, which is the target balance, to set −140 dollars, and the child account 2a ₁ 1a _{1 is set.} $ 140 which is the initial balance of the child account 2a ₁ 1a ₁ is set for the parent account 1a ₁ which is a higher-level account. Also by reversing the sign of the initial balance 30 US dollars for the child account _2a 2 1a _1, set the -30 dollars, for the parent account 1a ₁ which is a higher account child account _2a 2 1a _1, the child account _2a 1 1a ₁ by adding $ 140 that has been set to the initial balance 30 US dollars to the parent account 1a ₁ sets 170 dollars.

Next, when the post-concentration balance is obtained by adding the initial balance and the concentration amount, the result is as shown in FIG. Further, for the account 2a ₃ 1a ₁ whose balance after concentration is lower than zero, the sign of the balance after concentration −10 dollars is inverted and 10 dollars is set as the distribution amount.

In addition, for the parent account 1a ₁ is a high-level account of a child account _2a 3 1a _1, to set the initial balance -10 dollar of child account _2a 3 1a ₁ as a distribution amount of money. Then, when the post-concentration balance and the allocated amount are added, the final balance at m = 2 is obtained. As shown in FIG. 14, as the final balance, the child account and the grandchild account are adjusted to the target balance of zero, and a total of $ 160 is concentrated in the parent account.

  In the calculation result shown in FIG. 14, when drafting instruction data is created with the amount set for the concentrated amount and the allocated amount at m = 1 and m = 2, the calculation is performed as shown in FIG. 15. When the funds transfer specified by the draft data is summarized in the data flow, it is as shown in FIG.

In the above example, the concentrated balance is calculated after calculating the concentrated amount in the concentrated distribution calculation, but it is not essential to determine the concentrated balance.
Further, only the distribution amount calculation may be performed without performing the concentration amount calculation, or only the concentration amount calculation may be performed without performing the distribution amount calculation.
It is also possible to move funds across multiple locations to which each account belongs. The bases may be located in the same country or across multiple countries.

It is a block diagram which shows the hierarchical structure of the account which is a process target in the fund transfer processing system concerning this invention. 1 is an overall system configuration diagram including a fund transfer processing system according to the present invention. It is a flowchart which shows the whole flow of a process of the money transfer processing system concerning this invention. It is explanatory drawing for demonstrating the concept of the concentrated distribution calculation in the fund transfer processing system concerning this invention. It is a table | surface for demonstrating the code | symbol used for the concentrated distribution calculation in the money transfer processing system concerning this invention. It is a flowchart which shows the whole flow of a process of the money transfer processing system concerning this invention. It is a flowchart which shows the whole flow of the concentrated distribution calculation process of the money transfer processing system concerning this invention. It is a flowchart which shows the flow of a part of process in the money transfer processing system concerning this invention. It is a flowchart which shows the flow of a part of process in the money transfer processing system concerning this invention. It is a flowchart which shows the flow of a part of process in the money transfer processing system concerning this invention. It is a flowchart which shows the flow of a part of process in the money transfer processing system concerning this invention. It is a flowchart which shows the flow of a part of process in the money transfer processing system concerning this invention. It is a figure which shows the example of a process by the fund transfer processing system concerning this invention. It is a figure which shows the example of a process by the fund transfer processing system concerning this invention. It is a figure which shows the example of a process by the fund transfer processing system concerning this invention. It is a figure which shows the example of a process by the fund transfer processing system concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Fund transfer processing system 2 Account system 3 Cash management system 4 Terminal 5 Terminal 11 Control part 12 Database 121 Condition information storage part 122 Account information storage part 123 Fund transfer information storage part

Claims (2)

Funds between at least three accounts including a first account, a second account lower than the first account, and a third account lower than the second account. A fund transfer processing system capable of adjusting the balance of the second account and the third account to a predetermined target balance of 0 or more by performing transfer processing,
A condition information storage unit for storing fund transfer condition information including hierarchical structure information for specifying a hierarchical structure of the accounts and a target balance of each account;
An account information storage unit for storing account information including balance information of each account;
A fund transfer information storage unit for storing fund transfer information for transferring funds between the accounts;
A control unit for generating the funds transfer information,
The controller is
The initial balance acquired from the account information storage unit for the third account is selected to be higher than the target balance acquired from the condition information storage unit, and the initial balance and target balance of the selected third account are selected. By calculating the difference, the concentration amount of the third account is obtained ,
By calculating a value obtained by inverting the sign of the second account located above the third account for which the concentrated amount has been obtained with respect to the difference between the initial balance and the target balance of the third account. determine the concentration amount of the second account,
The third account is selected by selecting an account whose initial balance obtained from the account information storage unit is lower than the target balance for the third account, and calculating a difference between the initial balance of the selected third account and the target balance. determine the distribution amount of the account,
By calculating a value obtained by inverting the sign of the second account, which is positioned higher than the third account for which the distribution amount has been obtained, with respect to the difference between the initial balance of the third account and the target balance. determine the distribution amount of the second account,
For the second account for which the concentrated amount and the allocated amount are obtained, the intermediate balance of the second account is obtained by adding the initial balance acquired from the account information storage unit and the concentrated amount and / or the allocated amount. A first centralized allocation calculation means;
By selecting an account in which the intermediate balance is higher than the target balance acquired from the condition information storage unit with respect to the second account, and calculating the difference between the intermediate balance of the selected second account and the target balance determine the concentration amount of the second account,
By calculating a value obtained by inverting the sign of the first account located higher than the second account for which the concentrated amount has been obtained with respect to the difference between the intermediate balance of the second account and the target balance. determine the concentration amount of the first account,
The distribution amount of the second account is obtained by selecting the account with the intermediate balance lower than the target balance for the second account and calculating the difference between the intermediate balance of the selected second account and the target balance. ,
By calculating a value obtained by inverting the sign of the first account located higher than the second account for which the distribution amount has been obtained with respect to the difference between the intermediate balance of the second account and the target balance. A second centralized distribution calculating means for determining the distribution amount of the first account;
The first funds transfer information for executing the first concentration process for transferring funds from the third account to the second account is the calculated concentration amount of the third account or the second account. Based on
The second fund transfer information for executing the second concentration process for transferring funds from the second account to the first account is the calculated second account or the concentrated amount of the first account. Based on
Third fund transfer information for executing a first allocation process for transferring funds from the first account to the second account is calculated using the calculated allocation amount of the first account or the second account. Based on
The fourth fund transfer information for executing the second allocation process for transferring funds from the second account to the third account is the calculated second account or the third account allocation amount. Based on
Fund transfer information drafting means for storing the generated first to fourth fund transfer information in the fund transfer information storage unit;
After the centralized distribution calculation between the third account and the second account is executed by the first centralized distribution calculating means, the second account and the first account are calculated by the second centralized distribution calculating means. Perform centralized allocation calculations between
The funds transfer information slip issuance means, the first centralized, the second concentrating process, the first allocation process and the second allocation processing is performed in this order in, through execution by the order The fund transfer processing system characterized in that the first to fourth funds transfer information is drafted so that the balance in the second account transfers funds without falling below the target balance . Funds between at least three accounts including a first account, a second account lower than the first account, and a third account lower than the second account. A fund transfer processing method for adjusting a balance of a second account and a third account to a predetermined target balance of 0 or more by performing a transfer process,
Select an account whose initial balance acquired from the account information storage unit for the third account is higher than the target balance acquired from the condition information storage unit, and calculate the difference between the initial balance of the selected third account and the target balance. calculating calculated concentration amounts of said third account by,
By calculating a value obtained by inverting the sign of the second account located above the third account for which the concentrated amount has been obtained with respect to the difference between the initial balance and the target balance of the third account. determine the concentration amount of the second account,
The third account is selected by selecting an account whose initial balance obtained from the account information storage unit is lower than the target balance for the third account, and calculating a difference between the initial balance of the selected third account and the target balance. determine the distribution amount of the account,
By calculating a value obtained by inverting the sign of the second account, which is positioned higher than the third account for which the distribution amount has been obtained, with respect to the difference between the initial balance of the third account and the target balance. determine the distribution amount of the second account,
For the second account for which the concentrated amount and the allocated amount are obtained, an intermediate balance of the second account is determined by adding the initial balance obtained from the account information storage unit and the concentrated amount and / or the allocated amount. A first centralized allocation calculation step;
By selecting an account in which the intermediate balance is higher than the target balance acquired from the condition information storage unit with respect to the second account, and calculating the difference between the intermediate balance of the selected second account and the target balance determine the concentration amount of the second account,
By calculating a value obtained by inverting the sign of the first account located higher than the second account for which the concentrated amount has been obtained with respect to the difference between the intermediate balance of the second account and the target balance. determine the concentration amount of the first account,
The distribution amount of the second account is obtained by selecting an account for which the intermediate balance is lower than the target balance with respect to the second account and calculating the difference between the intermediate balance of the selected second account and the target balance. ,
By calculating a value obtained by inverting the sign of the first account located higher than the second account for which the distribution amount has been obtained with respect to the difference between the intermediate balance of the second account and the target balance. A second centralized allocation calculation step for obtaining an allocation amount of the first account;
The first fund transfer information for executing the first concentration process for transferring funds from the third account to the second account is the calculated concentration amount of the third account or the second account. generated based on,
The second fund transfer information for executing the second concentration process for transferring funds from the second account to the first account is the calculated second account or the concentrated amount of the first account. generated based on,
Third fund transfer information for executing a first allocation process for transferring funds from the first account to the second account is the calculated allocation amount of the first account or the second account. generated based on,
The fourth fund transfer information for executing the second allocation process for transferring funds from the second account to the third account is the calculated second account or the third account allocation amount. generated based on,
A fund transfer information drafting step for storing the generated first to fourth funds transfer information in the fund transfer information storage unit;
After performing the concentrated distribution calculation between the third account and the second account in the first concentrated distribution calculating step, the second account and the first account in the second concentrated distribution calculating step. Perform centralized allocation calculations between
The funds transfer information slip issuance step, the first centralized, the second concentrating process, the first allocation process and the second allocation processing is performed in this order in, through execution by the order The fund transfer processing method, wherein the first to fourth funds transfer information are issued so that the balance in the second account transfers funds without falling below the target balance .

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