JPS6230669B2 - - Google Patents
Info
- Publication number
- JPS6230669B2 JPS6230669B2 JP18115382A JP18115382A JPS6230669B2 JP S6230669 B2 JPS6230669 B2 JP S6230669B2 JP 18115382 A JP18115382 A JP 18115382A JP 18115382 A JP18115382 A JP 18115382A JP S6230669 B2 JPS6230669 B2 JP S6230669B2
- Authority
- JP
- Japan
- Prior art keywords
- processing
- transfer
- customer account
- account file
- file
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
【発明の詳細な説明】
(a) 発明の技術分野
本発明は銀行等の自動振替における未処理業務
を再処理する自動振替再処理方式に関する。DETAILED DESCRIPTION OF THE INVENTION (a) Technical Field of the Invention The present invention relates to an automatic transfer reprocessing method for reprocessing unprocessed transactions in automatic transfers by banks, etc.
(b) 従来技術と問題点
銀行等の金融機関において、電気、ガス、水道
等の料金を顧客口座から引落す自動振替処理方式
が採用されている。周知のようにこの方式では、
各顧客の使用料金を、振替指定日に、各顧客の取
引口座から一斉に引落す一括処理を行う。このよ
うに自動振替処理はバツチ処理で行われ、通常指
定振替日の前夜から翌朝（例えば指定振替日の午
前８時以前）までの時間を利用して引落し処理を
行う。然し顧客によつては、預金残高が不足する
口座もあり、また振替指定の当日になつて入金す
る顧客もあるので、自動振替の再処理が必要とな
る。この再処理を、従来はバツチ処理で行つてい
たので、システムの運用効率が低下する欠点があ
つた。(b) Prior Art and Problems Financial institutions such as banks employ an automatic transfer processing method in which charges for electricity, gas, water, etc. are debited from customer accounts. As is well known, this method
A batch process is performed in which each customer's usage fee is debited from each customer's transaction account all at once on the designated transfer date. In this way, the automatic transfer process is performed in batches, and the withdrawal process is usually performed using the time from the night before the designated transfer date to the next morning (for example, before 8 a.m. on the designated transfer day). However, depending on the customer, there are accounts with insufficient deposit balances, and there are also customers who deposit money on the designated day of transfer, so it is necessary to reprocess the automatic transfer. Conventionally, this reprocessing has been performed in batches, which has the disadvantage of reducing system operational efficiency.
(c) 発明の目的
本発明は上記の欠点を解決するためになされた
もので、システムの運用効率を向上する自動振替
再処理方式の提供を目的とする。(c) Purpose of the Invention The present invention has been made to solve the above-mentioned drawbacks, and its purpose is to provide an automatic transfer reprocessing method that improves the operational efficiency of the system.
(d) 発明の構成
本発明は、端末機と、顧客口座フアイルと、処
理装置と、顧客口座フアイルから所定金額を引落
す振替処理を一括処理する第１の処理手段とを有
する処理システムにおいて、残高不足により振替
処理が不能な前記顧客口座フアイルに関わるデー
タを記憶せしめる記憶部と、前記顧客口座フアイ
ルに関わる振替処理を即時実行する第２の処理手
段とを備え、前記第１の処理手段により前記振替
処理を一括処理したとき、振替処理が下能な前記
顧客口座フアイルに関するデータを前記記憶部に
記憶し、前記処理装置が前記端末機からの入金デ
ータを受けた際、前記第２の処理手段により、前
記記憶部内のデータに基いて未処理の前記顧客口
座フアイルに関わる振替を即時処理することを特
徴とする自動振替再処理方式である。(d) Structure of the Invention The present invention provides a processing system that includes a terminal, a customer account file, a processing device, and a first processing means that collectively processes transfer processing for withdrawing a predetermined amount from the customer account file. comprising: a storage unit for storing data related to the customer account file for which transfer processing is not possible due to insufficient balance; and a second processing means for immediately executing transfer processing related to the customer account file; When the transfer process is collectively processed, data regarding the customer account file for which the transfer process is inefficient is stored in the storage unit, and when the processing device receives deposit data from the terminal, the second process is performed. The automatic transfer reprocessing method is characterized in that a transfer related to the unprocessed customer account file is immediately processed based on the data in the storage unit.
(e) 発明の実施例
以下、本発明を図面によつて説明する。図面は
本発明の一実施例を説明するブロツク図であり、
１は端末機、２は通信回線、３は処理装置、４は
処理部、５はセンタフアイル、６はメモリ、７は
元帳フアイル、８は顧客フアイル、９は顧客情報
レコード、１０は未処理口座フアイル、Ａ，Ｂ，
Ｚは顧客口座フアイル、A′，Z′は未処理口座番
号、APは自動振替処理プログラム、Ｄは一括デ
ータ、Ｉは入金データ、IPは入金処理プログラ
ム、Ｌ，Ｍは欄、RPは自動振替再処理プログラ
ムである。図面において、端末機からの入金デー
タＩは、処理部４に処理されたのち、センタフア
イル５に格納される。自動振替処理においては、
振替指定日（例えば20日）の前日（19日）の夜か
ら当日（20日）の朝にかけて、振替（顧客口座フ
アイルからの料金の引落し）をバツチ処理（第１
次）で行い、残高不足の顧客分については、当日
（20日）の夜間に再びバツチ処理（第２次）を行
う方法が採られていた。本発明は、第１次のバツ
チ処理の際、残高不足の顧客口座番号（A′〜Z′）
及び金額データを、図面における未処理口座フア
イル１０に記録しておき、振替指定の当日に、該
残高不足の顧客から入金が行われた場合、その入
金時に、直ちに該顧客口座フアイルからの引落し
を、オンラインモードで処理するように図つたも
のである。このため一括処理用の自動振替プログ
ラムAPのほかに、オンラインタスクとして実行
される自動振替再処理プログラムRPを用意して
おく。(e) Examples of the invention The present invention will be explained below with reference to the drawings. The drawing is a block diagram illustrating an embodiment of the present invention.
1 is a terminal, 2 is a communication line, 3 is a processing device, 4 is a processing unit, 5 is a center file, 6 is a memory, 7 is a ledger file, 8 is a customer file, 9 is a customer information record, 10 is an unprocessed account File, A, B,
Z is customer account file, A', Z' are unprocessed account numbers, AP is automatic transfer processing program, D is bulk data, I is deposit data, IP is deposit processing program, L, M are columns, RP is automatic transfer This is a reprocessing program. In the drawing, deposit data I from a terminal is processed by a processing unit 4 and then stored in a center file 5. In automatic transfer processing,
From the evening of the day before (the 19th) to the morning of the day (the 20th) of the designated transfer date (for example, the 20th), transfers (withdrawals from customer account files) are processed in batches (the first
(next), and for customers with insufficient balances, batch processing (second round) was carried out again on the night of the same day (the 20th). In the present invention, during the first batch processing, customer account numbers (A' to Z') with insufficient balance are
and amount data are recorded in the unprocessed account file 10 in the drawing, and if a customer with an insufficient balance makes a deposit on the day of designated transfer, the money will be immediately debited from the customer account file at the time of the deposit. is designed to be processed in online mode. For this reason, in addition to the automatic transfer program AP for batch processing, an automatic transfer reprocessing program RP that is executed as an online task is prepared.
図面における元帳フアイル７の顧客フアイル８
には顧客口座フアイルＡ〜Ｚが格納され、また顧
客情報レコード９には顧客の氏名、住所などのデ
ータが格納されている。図面において、第１次の
振替（バツチ）処理は次のように（振替指定日の
前夜から当日の朝にかけて）実行される。処理部
４は、自動振替処理プログラムAPを実行し、セ
ンタフアイル５内の一括データＤに基いて元帳フ
アイル７内の顧客口座フアイルＡ〜Ｚについて、
所要の料金の引落し処理を行う。その際、例えば
顧客口座フアイルＡ及びＺの預金残高が引落し額
より小（残高不足）のときには、該顧客口座フア
イルは未処理となるので、その未処理口座番号
A′及びZ′と、金額データとを、未処理口座フアイ
ル１０に記録して、第１次の（一括）処理を終了
する。指定振替日の当日になつて、該顧客Ａ（又
はＺ）から入金が行われると、端末機１から入金
データＩが送られてくるので、処理部４は入金処
理プログラムIP（オンラインタスクとして作動）
を起動する。入金処理プログラムIPは、元帳フア
イル７の該顧客口座フアイルＡ（又はＺ）にアク
セスして、入金データＩに基づく入金処理を行つ
たのち、未処理口座フアイル１０を参照する。こ
の場合、顧客口座フアイルＡ（はＺ）は未処理で
あるため、入金処理プログラムIPは、自動振替再
処理プログラムRP（オンラインタスクとして作
動）を起動せしめる。自動振替再処理プログラム
RPは、未処理口座フアイル１０のＬ欄の口座番
号A′（又ははZ′）とＭ欄の金額データ10000円
（又は20000円）に基いて、顧客口座フアイルＡ
（又はＺ）からの引落し処理を行う。 Customer file 8 of ledger file 7 in the drawing
Stores customer account files A to Z, and stores data such as the customer's name and address in the customer information record 9. In the drawing, the first transfer (batch) process is executed as follows (from the night before the transfer designated day to the morning of the day). The processing unit 4 executes the automatic transfer processing program AP, and performs the following on the customer account files A to Z in the ledger file 7 based on the bulk data D in the center file 5.
Perform the necessary fee withdrawal processing. At that time, for example, if the deposit balance of customer account files A and Z is smaller than the debit amount (insufficient balance), the customer account file will be unprocessed, so the unprocessed account number
A' and Z' and the amount data are recorded in the unprocessed account file 10, and the first (batch) processing is completed. When the designated transfer date arrives and the customer A (or Z) makes a deposit, the terminal 1 sends the deposit data I, so the processing unit 4 executes the deposit processing program IP (operates as an online task). )
Start. The deposit processing program IP accesses the customer account file A (or Z) of the ledger file 7, performs deposit processing based on the deposit data I, and then refers to the unprocessed account file 10. In this case, since the customer account file A (Z) has not been processed, the deposit processing program IP starts the automatic transfer reprocessing program RP (operating as an online task). Automatic transfer reprocessing program
RP is based on the account number A' (or Z') in the L column of the unprocessed account file 10 and the amount data 10,000 yen (or 20,000 yen) in the M column.
(or Z).
(f) 発明の効果
以上のように本発明は、残高不足の顧客口座フ
アイルの振替処理を、入金時に直ちに（オンライ
ンモードで）行うことができるので、システムの
運用効率を向上する利点を有する。(f) Effects of the Invention As described above, the present invention has the advantage of improving the operational efficiency of the system because the transfer process for a customer account file with an insufficient balance can be performed immediately (in online mode) at the time of deposit.
図面は本発明の一実施例を説明するブロツク図
であり、図中に用いた符号は次の通りである。
１は端末機、２は通信回線、３は処理装置、４
は処理部、５はセンタフアイル、６はメモリ、７
は元帳フアイル、８は顧客フアイル、９は顧客情
報レコード、１０は未処理口座フアイル、Ａ，
Ｂ，Ｚは顧客口座フアイル、A′，Z′は未処理口座
番号、APは自動振替処理プログラム、Ｄは一括
データ、Ｉは入金データ、IPは入金処理プログラ
ム、Ｌ，Ｍは欄、RPは自動振替再処理プログラ
ムを示す。
The drawing is a block diagram illustrating an embodiment of the present invention, and the symbols used in the drawing are as follows. 1 is a terminal, 2 is a communication line, 3 is a processing device, 4
is the processing unit, 5 is the center file, 6 is the memory, 7
is the ledger file, 8 is the customer file, 9 is the customer information record, 10 is the unprocessed account file, A,
B, Z are customer account files, A', Z' are unprocessed account numbers, AP is automatic transfer processing program, D is bulk data, I is deposit data, IP is deposit processing program, L, M are columns, RP is The automatic transfer reprocessing program is shown.
Claims (1)
と、顧客口座フアイルから所定金額を引落す振替
処理を一括処理する第１の処理手段とを有する処
理システムにおいて、残高不足により振替処理が
不能な前記顧客口座フアイルに関わるデータを記
憶せしめる記憶部と、前記顧客口座フアイルに関
わる振替処理を即時実行する第２の処理手段とを
備え、前記第１の処理手段により振替処理を一括
処理したとき、振替処理が不能な前記顧客口座フ
アイルに関するデータを前記記憶部に記憶し、前
記処理装置が前記端末機からの入金データを受け
た際、前記第２の処理手段により、前記記憶部内
のデータに基いて未処理の前記顧客口座フアイル
に関わる振替を即時処理することを特徴とする自
動振替再処理方式。1. In a processing system that includes a terminal, a customer account file, a processing device, and a first processing means that collectively processes a transfer process for withdrawing a predetermined amount from a customer account file, the above-mentioned case where the transfer process is impossible due to insufficient balance. A storage unit that stores data related to a customer account file, and a second processing means that immediately executes transfer processing related to the customer account file, and when the transfer processing is batch processed by the first processing means, the transfer processing is performed. Data regarding the customer account file that cannot be processed is stored in the storage section, and when the processing device receives deposit data from the terminal, the second processing means performs processing based on the data in the storage section. An automatic transfer reprocessing method characterized by immediately processing transfers related to the unprocessed customer account file.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP57181153A JPS5977573A (en) | 1982-10-15 | 1982-10-15 | Reprocessing system of automatic transfer |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP57181153A JPS5977573A (en) | 1982-10-15 | 1982-10-15 | Reprocessing system of automatic transfer |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JPS5977573A JPS5977573A (en) | 1984-05-04 |
| JPS6230669B2 true JPS6230669B2 (en) | 1987-07-03 |
Family
ID=16095809
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP57181153A Granted JPS5977573A (en) | 1982-10-15 | 1982-10-15 | Reprocessing system of automatic transfer |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPS5977573A (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2852302B2 (en) * | 1993-09-27 | 1999-02-03 | 日本電気株式会社 | Re-transfer processing method of account transfer processing |
-
1982
- 1982-10-15 JP JP57181153A patent/JPS5977573A/en active Granted
Also Published As
| Publication number | Publication date |
|---|---|
| JPS5977573A (en) | 1984-05-04 |
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