JP3903471B2 - Complete processing system with date and time - Google Patents

Description

The present invention relates to a complete processing system and method with the time the other day, in particular, about the complete processing system with at the time the other day to be processed in parallel the automatic transfer and the transfer or the like during online operation for the account of a financial institution.
This application is a divisional application of Japanese Patent Application No. 2003-112455, which is a divisional application of Japanese Patent Application No. 2000-112455.

Conventionally, the bill transfer process for public charges has been executed in a batch process after the automatic cash deposit / payment machine (ATM), the automatic payment machine (CD) and the online system are stopped and the account balance is determined. For example, Patent Document 1 discloses a method of performing a withdrawal process (withdrawal process) from an account using the time from the night before the designated transfer date (account date) to the next morning for charges such as electricity, gas, and water. It is disclosed. Patent Document 2 also discloses a method of performing account transfer by batch processing. Moreover, there exists patent document 3 as another prior art example.
JP 59-77573 A JP-A-7-93439 JP-A-8-129501

  However, the account transfer process by the batch process has a disadvantage that it is difficult to continuously operate ATM, Internet banking, etc. for 24 hours because the account transfer process must be performed with the online system stopped.

  In addition, in the above conventional example, all account transfer processing must be performed within a limited time from the night before the account balance is confirmed to the online operation time on the transfer day, which increases the amount of data in the account transfer processing, In order to cope with the extension of the online operation time, there has been a disadvantage that equipment such as a computer (CPU) has to be increased.

  Furthermore, in the above conventional example, since the batch processing must be completed by the early morning of the transfer day, starting from the night before the transfer day, depending on the amount of data, the start of online operation on the transfer day may be delayed. It was.

<Object of invention>
The present invention relates to improved the disadvantage of the prior example, in particular, capable of processing various transactions such mouth seat transfers or loan repayment in parallel with the online processing of the depositing and dispensing or the like using the terminal such as ATM to provide a complete processing system with at the time the other day, and an object of the present invention.
That is, the present invention is to make a parallel process during on-line processing of a conventional batch processing debit process was performed as such, it is an object of it.

In the present invention, to run before it becomes the account processing dated at the time the other day and their account Date and Time, owned by a different account information at the time the account date (for example, balance). Then, the account information to be referred to the moment that with time the other day has become the time of the day (that time) is changed. Leave generate the account information in with the time the other day, and, when there is a change (variation) and changes in interest rates and contract details of the account balance in up to the date and time dated at the time the other day, at the time the other day the change It will be reflected in the balance. Thereby, when the date and time (time) is changed , the account processing using the changed date and time as the account date and time is also completed.
That is, in the present invention, based on the current account information, then advance to generate a balance in recent with time if the account processing is not virtually, dated during other day on the basis of the balance of the other day with time By executing the account processing, the account processing that has been conventionally performed in batch processing is processed in parallel during online processing. In this process, the account process to be processed is assumed to be the final account process until the date and time with the previous date and time arrives. Thereafter, if another account process is performed before the account date with the previous date and time arrives, the account process is assumed to be the final account process, and the balance with the previous date and time is calculated. Balance of with the time of this the other day, for the holder of the account, a balance can not be used if not the date and time dated at the time the other day (time).

The principle of the pre-date and time completion process, which is a premise of the present invention, is that future account information is generated based on information at the present time when there is no subsequent change. Assuming that there is no account processing after that, that there is no change in the contract for depositing from a savings account to a fixed deposit with the automatic periodic service, or that there is no non-delivery notification about the financing of the check The account information of the previous date is calculated in advance. Because it is a few days ago with the process, it is impossible to account holder to the transaction by using directly to the balance as of the time the other day, therefore, about the other day with a time of processing it is possible to perform the cancellation. For this reason, if a change in contract is notified after withdrawal of ordinary deposits and deposits into time deposits with the date and time using the automatic periodic service, the relevant account processing with the date and time will be processed. Can be canceled and re-executed based on the changed contract.

In this way, the account information with the previous date and time when it is assumed that there is no change from the current state is calculated in advance, and if there is a change in the state, the account information with the previous date and time is calculated again. When you do, need not name to perform any treatment before and after to greet the date and time of the postdated (time). For this reason, there is no need to perform the account processing in the batch processing after the end of the online process. Therefore, the account processing with the date and time of the present invention is completed when the account processing is completed.

The change from the current state, not only the assumption that subsequent account processing is not, have interest rates of interest to MotoKa in time deposits and account to contract with at the time the other day is found to the current, there is no subsequent change (If there is a change, the account processing is executed again). For this reason, there are many objects that can be processed with date and time . A variety of account processing and for a normal savings account and a checking account, option exercise or in response to certain conditions, in the case to settle the futures traded on the account, the calculation of the difference if you are definite that the amount of the due date time In addition, payment and reservation for withdrawal from a savings account for special repayment of a mortgage can also be executed during online processing as completion processing with a date and time .

The present invention calculates an account processing request having a transaction type of account processing such as various deposits and withdrawals for each account, a target account date and time that is the transaction date and time of the account processing, and a transaction amount that is a deposit or withdrawal amount. A calculation means and a file for recording the account processing result calculated by the calculation means as account information are provided.
The file records the account information for the account processing request, the transaction type and the transaction amount as the account information, for each account processing by account date and time that is the transaction date and time of the account processing request. Information and balance detailed information for each account date and time for recording the account date and time balance for which account processing has been performed for each account.
The account processing request is a transfer request to an account subject to the account processing request or a deposit request by an automatic cash deposit payment machine or a withdrawal request by an account transfer or an automatic cash deposit payment machine.
The balance detail information has at least a balance with the same date and time as the calculation date or the latest balance in the past for the account for calculating the account processing request.
In the present invention, the calculation means includes an account processing unit by account date and time and an account information storage unit by account date and time.
The account processing unit by account date first identifies the balance as the balance of the target account date and time when a balance with the same date and time as the target account date and time is recorded among the balances recorded in the balance detail information If the balance with the same date and time as the target account date and time is not recorded, the balance closest to the target account date and time in the past is specified as the balance of the target account date and time. Then, the balance of the identified target account date and time and the transaction amount are added and subtracted, and the calculated transaction type and transaction amount of the account processing request are set as the account date and time as the target account date and time of the account processing request. Record in the transaction details information.
Further, the account information storage unit by account date and time records the balance after the addition and subtraction by the account processing unit by account date and time as the balance of the target account date and time in the balance detailed information so that the target account date and time When it is a date and time, the balance of the target account date and time is recorded in the balance detail information as the balance of the destination date and time. Thus, the above problem is to be solved.
Here, the "account date when after" includes the account date, "the future from the time of account date" does not include the time accounts date. "Update" means overwriting at the time of the calculation date that had been stored in a file and the balance of or with the other day with the time of day. "Storage" is, primarily, in the first account processing of a certain date and time in or with the time the other day with the time of day, used in the case of recording the balance at the time of the newly the account date, further, also used to record the general data.
“Account processing” is, for example, an ordinary account for individuals at a financial institution. Transfer (payment) to an account such as salary transfer, or transfer from an account (withdrawal) such as automatic withdrawal of public charges And automatic withdrawals (withdrawals) such as loan repayment and rent withdrawal. Further, taking a corporation or the like as an example, “account processing” includes reservations for various payments, withdrawals for salary payments, and payment of rent collected by account withdrawal. You may make it handle the account processing of these various contents, for example, you may handle transfer etc. by another calculating means, and may handle only the transfer of a utility bill with the date and time completion processing system by this invention. .
Taking an account for securities trading as an example, “account processing” corresponds to settlement of funds required for stock trading, automatic purchase of financial products, and the like. As described above, the “account processing” first includes various modes of settlement methods for commercial transactions. This settlement is not limited to a single currency, but can be applied to forex trading if, for example, an exchange rate with a date and time can be determined in advance between traders. Furthermore, the settlement target may be not only an account that handles currency, but also a point value (mileage point) that is added at the time of sale of goods or services, for example.
Further, “account processing” may include processing for setting or changing the attribute of the account. For example, it may be possible to include a change in the maximum amount of an automatic loan according to a periodic automatic renewal, a reservation for a swap between a variable interest rate and a fixed interest rate in a long-term loan, and the like. In addition, deposit and withdrawal of cash by the window terminal of the store of ATM and CD and financial institutions is the account processing of immediate, computation time and intuition constant date and time to match.

The file stores information related to an account such as a transaction history such as deposit / loan, current balance, and automatic lending possible amount (overdraft extreme) defined in the account. “Account information” includes balance information. The balance information is a numerical value for determining whether the account processing request can be settled or cannot be settled. For example, when there is no automatic loan secured as a fixed deposit, In the case where an automatic loan secured by a deposit or the like is accompanied, an amount obtained by adding the extreme amount of the automatic loan available amount (overdraft extreme) and the actual balance may be used as the possible withdrawal amount. When performing automatic financing with a fixed deposit as collateral, it is preferable to have attribute information such as collateral details as account information.

  For example, when there is a deposit as an account processing request, the calculation means reads the current balance, adds the deposit amount, and updates the file.

In the present invention, it accounts Daily account processing unit processes based on the account processing when account date to be attached during operation time and or with the same time the other day to perform an operation on the most recent account information during the account date. Then, another account information storage unit when account date, the processing result of another account processing unit when accounts date stored in the file as the account information when account date of the account processing.

"When the account date" is a line cormorant date and time of the transaction. And the date "as the account date and time", the time specified and in the morning the afternoon, also, may be dealing with transactions in seconds. When dealing with a transaction in seconds, it is the data type of the "time of account date" that Do and be included until the hour, minute, and second.

This "when the account date", for example, account processing is at the transfer date if the transfer. If the repayment of the loan "when the contract repayment date" is considered to be the time of account date. When the transfer date if the payroll is equivalent to the time of account date. In the present specification, when the transaction execution date to be specified for these various accounts processing request is referred to as a "time of account date". "Calculation date" is "during the day" to perform the operation, also referred to as "current".

In the present invention, the account processing request when the account date to be attached at the time the other day for the operation date and time, the processing at the stage of the operation date and time. The processing result is stored as account information at the time the account date to be attached at the time the other day for the operation date and time. Thus, account information, account processing request is generated separately during account date been made and managed. For example, information about the balance at the calculation date and the future balance (virtual balance) that has been processed with the date and time is stored in the file. The future of the balance, after the account processing performed up to now, when the time is come that account date remains no account processing is the balance at the time of the account date. Thus, for example, the time accounts date and day time unit, when the day time is changed, without performing any processing before and after the change when the day, while completing the account processing to be performed on the accounts day, new the balance of when greeted day (time) is determined.

For example, the accounts date is with at the time the other day, and was at the time the next business day of the operation date and time. Then, to calculate the account processing requests for transfer or the like for the account date at the time when the next business day prior to the time at the time of the next business day. The calculated result, the current balance, and the balance at the time of the next business day is stored in individual files. Then, when the processing result in a change in the balance (changes) with respect to the account has not been performed, at a stage when you change the time of day from today to the next business date and time, direct debit (withdrawal) is confirmed, based on the new balance Can be processed. Therefore , the processing based on the new balance after the account transfer can be performed at the moment when the next business date and time arrives .

Here , the description will be made by taking the hour and minute as an example instead of morning and afternoon or hour and minute . For example, it is assumed that there is a transfer with 1:30 pm as the account date . In the present invention, for example, an account processing request at 1:30 pm, which is a future time, is processed at a calculation date and time around 11:00 am. Then, two account information of the balance that is referenced at the time before 1:30 pm (if the system is in seconds, until 1:29 pm 59 seconds) and the balance that is referenced after 1:30 pm are stored in the file. Stored. For this reason, the transaction at 1:30 pm can be completed with the previous date and time without performing any processing around 1:30 pm. To do this online and in real time, if there is a large amount of processing to be performed at 1:30 pm, the load on hardware resources will be too high momentarily. On the other hand, in this example , the actual calculation date and time may be any time due to the idea of having account information for each account date and time .

In general, as the daily the time account Date, to carry out the transfer, such as a public utility charges in batch processing is equivalent to the mass treatment of the 1:30 pm in the case of thought and hour and minute units of account date. That is, after the account balance is confirmed on the previous day, in order to execute the transfer by the morning of the transfer date (account date), all processes must be completed within the actual time period. In the case of batch processing, this processing time cannot be set to “0”. On the other hand, when the account date is considered as a daily unit, there is no need to perform any processing on the account information at the moment of date change (before and after) . As of this, in the complete processing system with at the time the other day in accordance with the present invention are temporally distribute the load of account processing.

In an embodiment of the present invention, after processing the account processing request when the account date dated at the time the other day, the current balance is changed, a state that processing can not be executed in the other day with the time, on the contrary, dated at the time the other day When an unestablished process is ready to be executed, a technique for dealing with various aspects is disclosed, such as canceling a process with a date and time or re-executing (recutting) an account process that has not been established. .

Then, in the preferred embodiment of the present invention, after storing the balances with time recently it was processing another new account processing request, when the balance with time other day varies, already with the time other day The account processing that has been established may be canceled or the withdrawal schedule that has not been established (account processing stored in the remaining shortage details) may be recut.

Since the present invention is configured and functions as described above, according to this, the account processing unit by account date and time is based on the account information having the calculation date and time as the account date or the past balance closest to the time of this account date and time. , Execute account processing requests such as transfer (payment) and transfer (withdrawal, withdrawal), etc., the account information storage unit by account date and time, the balance after account processing using the balance by account date and time of the account processing Since the balance at the account date is stored in the file, account information such as the balance by account date is stored in the file.
Then, since the account processing unit by account date / time processes new account processing based on the account date / time or the latest balance in the past, at the time when a certain account date / time has passed, Account processing.
Accordingly, it is possible to complete processing such as transfer, transfer, and interest payment in advance without performing any processing on the account before and after the account time.
Therefore, it is not necessary to process various processes for a large number of accounts all at once before and after the date change, for example, there is no need to transfer public charges by night batch processing, and account processing at the previous date. Can be processed during the day, ie, during normal online processing, in a leveled state in advance.
In this way, it is possible to process various transactions such as account transfers and interest deposits in parallel with online processing such as deposits and withdrawals using terminals such as ATMs. Can be implemented without increasing the processing capacity of the system, and even when the service is not performed for 24 hours, it is not necessary to operate the computing means late at night for batch processing, thus facilitating management. .
In this way, since batch processing can be eliminated, even if there are a large number of account processing requests such as transfers and interest deposits, the same kind of account processing for a large number of accounts without increasing the processing capacity of the calculation means Can be completed in the daytime, and it is possible to provide an unprecedented superior date completion processing system.

<First Embodiment>
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing the configuration of the first embodiment of the present invention. In the example shown in FIG. 1, the completion processing system with a predecessor date according to the first embodiment computes an account processing request received by the receiving unit 4 and a receiving unit 4 that receives an account processing request such as an account date transaction. And a file 6 for recording a processing result calculated by the calculation means 2 as account information. Then, the calculation means 2 performs the account processing at the account date and time that is the same date or the previous date and time with respect to the calculation date and time for performing the calculation based on the account information (balance) or the latest account information (balance) at the account date and time. and account date and time-account processing unit 8 for processing the accounts date and time-account information storage unit 10 for storing the account information to the file 6 of the processing result of the account date and time-account processing unit 8 with account date and time of the account processing I have.
The receiving means 4 directly or indirectly receives an account processing request from an external carry-in medium storing withdrawal data such as ATMs, utility charges, etc., and various internal masters storing information such as loans and automatic periodic services. Receive. Further, an account processing request may be received from a customer's computer via the Internet or a dedicated network.

The computing means 2 is one or a plurality of computers. The various means, each part, and each function that the computing means 2 has can be realized by a CPU of a computer that executes a predetermined program. In the example shown in FIG. 1, in principle, an important part is extracted from various functions necessary for the completion process with the previous date and time. In other words, calculation means 2 is provided with a counting time by the account processing unit 8, and accounts date and time-account information storage unit 10. The account processing unit 8 by account date and time processes an account processing request having the date and time including the time when the account processing request is received based on the account information (balance) of the account date and time . For example, in the case of a cash withdrawal by the operation of the ATM or the like, and reads out the account information at the time of the day, perform a cash withdrawal on the basis of the balance. Also, it accounts by date and time account processing unit 8, an account processing account date becomes attached at the other day against time which has received the account processing request, to processing on the basis of the account information with the time of day. If there is no account information dated at the time the other day, to generate the account information of the account date and time to be with at the time the other day on the basis of the most recent account information in the past than the date and time of the the received. For example, the balance of the account balance and the same amount of calculation date and the next business day when the balance is with at the time the other day. The account processing request is a deposit request at a previous date and time by account transfer or the like, or a withdrawal request at a previous date and time by account transfer or the like to the account that is the target of the processing request.

It accounts by date and time account information storage unit 10, the processing result of the account processing separately processed accounts date and time stored in the file 6 as account information in the account date and time of the account processing. As a result, account information for each account date is generated. The account date and time-account information is accessed by the account date and time-account processing unit 8.

FIG. 2 is an explanatory diagram illustrating an example of account processing. Here, in FIGS. 2A and 2B, for the purpose of explanation, the account date is used instead of the account date. As shown in FIG. 2 (A), when the balance of 10 days is 30,000, when processing a withdrawal request (for example, transfer) of 20,000 with an account date of 11 days, 20,000 withdrawals will be processed on the previous date. In this case, if the process for setting the 11th date as the account date is performed for the first time, the balance on the 11th is first set to 30,000. Then, 20,000 withdrawal requests with the 11th as the account date are processed, and the balance on the 11th is set to 10,000. After the withdrawal of this date, if there is no other account processing in the account, the balance 10,000 is fixed when the 11th is reached. For this reason, the withdrawal process is completed at the time of processing on the previous date on the 10th.

  FIG. 2B is a diagram illustrating an example in which the account process is a deposit (for example, transfer). When the balance on the 10th is 30,000, a deposit request of 40,000 with an account date of 11th is processed on the 10th. The balance on the 11th is calculated as 70,000 on the 10th. Similar to the case of withdrawal, it is completed when the deposit request for the previous date in 10 days is processed. After that, if there is a cash withdrawal request (refund request) at ATM on the 10th, the possible withdrawal amount is 30,000, not 70,000. If the balance is inquired at midnight on the 11th, the balance is 70,000 at the time when the midnight of the 11th is reached.

In the example shown in FIG. 2 (A) and (B), but the account date, in the present invention, time (or a predetermined time) with value statement for each. In the example shown in FIG. 2C, it is assumed that the balance at 9:00 on the 10th is 30,000. Then, it is assumed that a payment process of 50,000 with a date and time of 13:00 is received around 9:30. This process is a process of dated at the time the other day. The account processing unit 8 by date and time sets the balance at 13:00 to 30,000 .
Followed by the around 10 9:30 and the operation date and time, the account date and time by 50,000 payment to 10 13:00, the balance at 13 o'clock is with at the time the other day, it is the time of day As of about 9:30 on the 10th, it is recorded as 80,000 separately from the balance of 30,000 at 9:00 .
As in the case of “account date” shown in FIG. 2B, in “account date”, for example, the amount that can be withdrawn at 12:59 on the 10th is 30,000 and can be withdrawn at 13:00 The amount is 80,000. At this time, the 13:00 deposit itself is completed at 9:30. After that, when there is a withdrawal request of 60,000 with the date and time as 17:00, account processing is performed using the balance of 13:00 which is the latest balance, and the balance of 17:00 is set to 20,000. To do.
In this way, the account date with the transaction period unit as the date and the account date with the date and time as the date and time only differ in the balance period, and the necessary information processing is common. Accordingly, the original application related to information processing using the account date and the disclosure of the original application are disclosure of information processing using the account date and time only by replacing the date with time. Based on the identity of the “date” and “date and time” information processing fields of the original application, for example, the 10th, 11th, and 12th days of the original application should be read as 10:00, 11:00, and 12:00. Therefore, it is disclosed with date and time.

In the completion process with the previous date and time, the transaction with the previous date and time can be canceled when the account balance is insufficient or when the account balance becomes insufficient due to the transaction on the day . In the case of batch processing, it is difficult to cancel the account processing request once established, but in the case of account processing with the account date and time attached , this cancellation is easy to perform. Further, when there is an account process that has not been established or an account process that has not been established due to cancellation, if there is any payment, the account process may be re-executed (recut). . In this embodiment, since the account processing with the date and time is executed based on the processing result (balance etc.) that executed the last account processing request, it is impossible to settle with the date and time according to the transfer of the account balance. The account processing that was there can be recut. Further, as disclosed in Patent Document 1 (Japanese Patent Application Laid-Open No. 59-77573), an account process that has not been established may be recut when there is a deposit on that day.

Referring to FIG. 1 again , in the present embodiment, the account processing unit 8 by account date and time is an account at the account date and time closest to the calculation date and time (including the account date and time) between the calculation date and time. to process the withdrawal request on the basis of the information, that you update the balance of the time the other day, with the time the other day to cancel the account processing in with the earlier date if the account processing request dated at the time the other day becomes impossible settlement A cancel function 12 is provided. The account information storage unit 10 by account date and time includes a destination date and time balance update function 16 that updates the account processing request canceled by the date and time cancellation function 12 as account information at the account date and time of the account processing request. Yes.

Cancel function 12 with the time the other day, about the settlement possible was the account processing dated at the time the other day, when the day earlier than with the time the other day (for example, current) result of the withdrawal, etc., account processing to be a settlement impossible Cancel. That is, as a result of executing the latest account processing request, if there is an account processing that cannot be settled with the date and time, the account processing is canceled based on the execution result (account information) of the latest account processing request. The results of the transactions of the canceled account processing, Ri not met der, waiting for a payment of up to the account date and time of the other day with the time, when there is no payment until the expiration time of the account date and time, the account processing is non-settlement Confirm with. The future date / time balance update function 16 adds the amount due to the cancellation of the account processing to the balance of the account date / time with the previous date / time .

The account processing unit 8 by account date and time includes a date and time to re-execute the account processing that has not been established when the account processing that has not been established and can be settled according to the processing result of the latest account processing . Ru equipped with a re-cut function 13.

In general, withdrawing utility bills, etc. are made only on the day of transfer. For this reason, if there is a shortage in balance on the transfer date ( account date and time ) and settlement is not possible, the utility charge cannot be paid, and the account transfer process will be performed again next month. On the other hand, automatically in such contracts to fund, transfer date of the funded not (account date and time) only, when there is a balance to the time just before the next date of transfer to fund. In this case, the account date is one month. Called the account date and time the date and time of the first day of the account date and time is referred to as a re-cut deadline a deadline to carry out just before, and so on re-cut at the time of transfer date.

In account processing with the account date and time for a certain period of time, for example, if you are the first day of the account date and time 10:00, a lack of balance in the 10 o'clock, on the other hand, possible settlement because there is a deposit of dated at the time the other day in the 11 o'clock When it is, after the non-established was at 10, and account for as account date 11 o'clock. Then, if there is a deposit in at 10, not the account processing at 11, preferably in the account processing 10:00. For example, because the arrears are also contemplated aspects, such as occurs when the account date and time the 11 o'clock in the repayment of the loan, the account processing that has been established in with the time the other day, that before Taosuru to earlier accounts date and time Is desirable.

In this example, the account processing unit 8 according to account date and time shown in FIG. 1 executes the account processing request and then settles the account processing request with the date and time after the account date and time to be executed as the account date and time. And an earlier date and time control function 14 for re-executing the canceled account processing request as an account processing request at the execution date and time of the account. With this advance date / time advance control function 14, account processing having a recutting deadline ( account date / time for a certain period) can be made a transaction with an earlier account date / time that can be settled when the account balance changes. .

FIG. 3 is an explanatory diagram showing an example of transition of account information in the configuration shown in FIG. In FIG. 3, the account process indicates the content of the transaction, and the balance (account information) is the result of the process . The calculation date is the date when the account processing request is executed. Account day, the day to conduct transactions, self-oscillation serial number is, Ru number der to identify the self-oscillation such as an automatic transfer and automatic transfer individually.
Here, as described above, the information processing of the account date and time will be described by replacing all the 10th, 11th, and 12th days in FIG. 3 with 10 o'clock, 11 o'clock, and 12 o'clock. That is, in FIG. 3, the calculation date is the calculation date and time, the account date is the account date and time, the numbers 10, 11 and 12 are respectively 10 o'clock, 11 o'clock and 12 o'clock, and the balance (account information) is 10 days, The 11th and 12th days are read as 10 o'clock, 11 o'clock and 12 o'clock. This also applies to FIG.
In addition, the transaction, withdrawal or from the account, and the like payment to the account, the specific transaction contents are stored in the transaction type. The transaction amount is an amount such as self-vibration, and the transaction result records whether or not the account processing (transaction) is established.

First, assume that the balance at 10:00 is 30,000. At 10, the electric charge withdrawal to account date and time 11:00 is attached at the other day (self oscillation number 001) is performed. In this case, account date and time-account processing unit 8, first, based on the balance of 10:00 is the most recent accounts date account date 11 o'clock, and 30,000 balance of 11:00. Since the withdrawal 10,000 can be settled, the withdrawal by the deduction of electricity charges is established. The account information storage unit 10 by date and time sets the balance at 11:00 to 20,000. At this time, there is no change in the balance at 10:00.

Subsequently, and at 10, there are 50,000 payment by bank transfer the 12 o'clock as accounts date and time. The account processing unit 8 by account date and time expands the balance at 11:00, which is the latest account date and time , as a balance at 12:00, and further adds 50,000. As a result, the balance of 12 o'clock will be 70,000. In addition, it is assumed that there is a cash withdrawal by ATM at 10 current (payment). Since the balance at 10:00 is 30,000, 25,000 can be withdrawn and the transaction is completed. The balance at 10:00 is 5,000. It accounts by date and time account information storage unit 10, since the balance of 10:00 is updated to reflect the withdrawal of 25,000 to 11 o'clock and 12 o'clock balance. Then, the balance of 11 o'clock is -5,000.

Since the balance at 11:00 is negative (the withdrawal amount by account processing is larger than the amount that can be withdrawn), the withdrawal processing with date and time 12 has already made withdrawal processing (self-assigned number 001) ) Is canceled. As a result of this cancellation, the deduction of electricity charges is not yet established. For cancellation amount is 10,000, the balance of 11 o'clock has been eliminated state that the withdrawal of 5,000, and the lack of balance. The balance of the 12 o'clock will be 55,000.

Account date and time 11 o'clock (the period of the actual account date and time contracts) and, if carried out in the account transfer with a re-cut deadline, and it is impossible to settle at 11 o'clock, there is a case of carrying out the settlement to 12 o'clock. For example, in the example shown in FIG. 3, because it is the non payment at 11, loan repayment to account date 11 o'clock becomes not met. In this example, for settlement to the 12 o'clock is in the re-cut deadline and account date and time it is possible, carry out the account transfer the 12 o'clock as accounts date and time. When the time repayment date to repay the loan repayment of 11 o'clock to 12 o'clock, it becomes overdue. Here, the reprocessing fee associated with arrears is described as 10 yen (in the original application, the arrears interest for one day was described as 10 yen ). Loan repayment is met, the balance of 12 o'clock will be 14,990.

At 10, and there is a payment by transfer to the account date and time 11:00, First, the balance of 11 o'clock is 65,000. As a result, the loan repayment process that has been established the 12 o'clock as the account date and time is made possible settlement at 11 o'clock. The other day at the time before倒制control function 14, cancel the loan repayment, which has been established at 12 o'clock, and re-cut as account date and time of 11:00. The balance at 12:00 will increase once the cancellation of 40,010. Then, the balance of the re-cut at 11 o'clock is reflected, and 75,000. By this advance control, it is possible to cancel the transaction at 12:00 when the arrears interest occurs according to the deposit with the date and time . In addition, since the electricity charge withdrawal with the date and time as 11:00 has not been established, the re-cut function 13 with the previous date and time re-cuts the electricity charge 10,000. Account processing executed in 10:00 This is the final, welcome as it is 11 o'clock. When becomes 11:00 instead balance 5,000 10:00, it accesses the balance 15,000 11 o'clock. The balance of 15,000 is a balance in which the deposit by transfer, the repayment of the loan, and the deduction of the electricity charge are completed. As described above, in the present embodiment, the same result as the batch processing can be executed during the online processing time. Moreover, it is possible to operate online processing continuously for 24 hours without performing batch processing.

As shown in FIGS. 1 to 3, carried out the transaction as of the time the other day during the online process, have the accounts by date and time of the balance, transaction by ATM or the like by performing the processing on the basis of the balance of the day, transfer or transfer It is possible to complete the account processing for which the contents of the transaction are almost known in advance, such as the date and time before the account date and time . This eliminates batch processing such as transfer and enables continuous operation for 24 hours 365 days. Further, even when the operation is not performed for 24 hours, batch processing at night or early morning becomes unnecessary, so that the operation cost of account processing is reduced and the processing capacity of the CPU in a short time at night is increased. No need to invest. Also, from the viewpoint of customer service, since the transaction can be started immediately on the basis of the new balance when the date changes, it is possible to seamlessly perform transactions via the Internet continuously for 24 hours.

FIG. 4 is a block diagram illustrating a configuration example of hardware resources according to the first embodiment. In the example shown in FIG. 4, the pre-date and time completion processing system includes a communication control device 28, a CPU 20 that performs account processing by online processing and batch processing in accordance with a request command input from the communication control device 28, and the like. Main memory 21, file storage unit 22 for storing account information 7 and loan master DB shown in FIG. 1, program storage unit 23 for storing various programs executed by CPU, account processing by CPU 20 and various contracts A log storage unit 24 that stores execution results of registration and the like as a log, a medium reading unit 25 that reads a carry-in medium 26 brought in from the outside, and a printing unit 27 that prints a form and the like to be sent to a customer.

In the configuration illustrated in FIG. 4, the reception unit 4 is realized by the communication control device 28, the CPU 20 that executes a predetermined program, and the medium reading unit 25. The communication control device 28 is connected to an internal (in-row) network 30 and an external network 31. Each of the networks 30 and 31 may include a large number of networks physically and logically. The communication control device is connected to the CD / ATM 33 used for online transactions with the customer via the internal network 30, the branch terminal 34 arranged in the branch and operated by the person in charge of the branch, and the telephone from the customer It is connected to a telephone banking center 32 for performing a transaction.
Further, the communication control device 28 is a Zengin Center 35 that controls communications such as exchanges with other financial institutions via the external network 31, other external centers 36, personal computers of customers who perform farm banking, etc. It is connected to a customer PC 37 and a customer portable terminal 38 such as a cellular phone.

Deposit / withdrawal requests are input to the CPU 20 from the terminals 33, 34, 37, 38, the centers 32, 35, 36, etc. via the communication control device 28. The Zengin Center 35 is a national bank data communication system center. It is connected to the personal information center and other computer centers. Request commands (messages) for exchange transactions such as transfer and remittance are transmitted and received.
The external center 36 is a center of various networks (ACS of regional banks, BANS of city banks, MICS of national cash service, etc.), farm banking (FB), electronic banking (EB), etc. A center (for example, ANSER) for transmitting and receiving data necessary for telephone banking, and a center (for example, CAFIS and DCS) for communicating with a POS system at a store and a credit card payment terminal. . From this external center, request commands (telegrams) for performing various transactions that can be made at a financial institution window such as notification, inquiry, and fund transfer are input.
The communication control device 28 receives a request command according to each protocol and inputs it to the CPU 20. The CPU 20 converts a request command input in each form from each terminal into an account processing request in a predetermined format, and delivers it to a program that performs account processing.
In addition, the transfer of public utility charges (external self-vibration) is brought into the carry-in medium 26. The CPU 20 generates an account processing request using the external self-vibration original data read by the medium reading unit 25 and another database (DB).

CPU20 is, the command and for performing a different account processing accounts date and time, instruction and for storing a different account information account date and time, for complete processing with the time the other day of instruction or the like for registering the loan agreement to finance the master DB By executing the program, it operates as the account processing unit 8 by account date and time and the account information storage unit 10 by account date and time shown in FIG. These programs are stored in the program storage unit 23. In addition, an operating system that performs basic input / output, a program group that performs database management, log recovery, transaction management, and the like are also stored in the program storage unit 23.

Such a program for completion processing with date and time includes a command for operating the CPU (calculation means) 20. For example, when the CPU 20 receives a withdrawal request (a type of account processing request) requesting the account to be withdrawn at an account date and time with a date prior to the calculation date , the account date and time of the withdrawal process preprocessed and account information, stored account information expanded to account date and time-account information deployment command based on report to the file 6 for account information and account future date than the target account date target account date is It has.

Program completion process with time recently further based on the expanded accounts by date and time of the account information in the main memory 21 in accordance with the account date and time-account information inflation instruction, dispensing possible balance from the account (overdraft maximum amount when there is, also referred to as balance and overdraft maximum amount and can withdraw the balance obtained by adding the amount) with to identify, the out KimuKaname account date and time-dependent account to process a determined process in accordance with the dispensing amount available Has a directive. Then, the accounts by date and time account processing instruction, together with if possible settlement for the payment request to store the processing result to the file 6 as account information for accounts date becomes attached at the other day, leaving the If the gold required is impossible settlement is the withdrawal request includes the account date and time-account information storage command to be stored in the account information as withdrawal schedule in the account date.

In addition, the CPU 20 operates as the computing unit 2 having various functions by providing each unit, each unit or each function to be realized in the completion processing system with a date and time, and a command corresponding to each step of the flowchart. The pre-date and time completion processing program is stored in a recording medium such as a magnetic tape (MT), conveyed, and read by the medium reading unit 25. The completion date-and- time processing program stored in the recording medium is read by the medium reading unit 25 and then stored in the program storage unit 23. In addition, a program can be provided to the program storage unit 23 from another host device via a communication line.

Regarding the program, when the “command for operating the CPU (calculation means) 20” is referred to, it depends on the command for operating the CPU only with each command and another program such as an operating system stored in the program storage unit 23 in advance. Either or both of the commands for operating the CPU 20 are included. For example, in the example shown in FIG. 4, the account information storage instruction by account date it can be only a command to deliver the generated account time-specific account information in the main memory 21 to the operating system. As described above, a recording medium for storing the program for completion processing with date and time, and a recording medium for transferring the program to the user may include, for example, “the name of the area on the main storage to be stored in the operating system. Only the “handover command” may be stored. This is determined by the relationship with the operating system of the computer to be operated. This also applies to the case where a program (command) is provided via a communication line.

Next, the account process will be described with reference to FIGS. FIG. 5 is a flowchart illustrating an example of account processing in the configuration illustrated in FIGS. 1 and 4. The account date and time of the account processing request for processing is called “target account date ”. Target account date and time, whether it is the time of the calculation date during the same day, or, it is the next business day when after dated at the time the other day at the time of the calculation date.

In the example shown in FIG. 3, the normal balance is account information, but in the examples shown in FIGS. 5 to 7, when there is a fixed period, it is within the overdraft limit corresponding to the amount of the fixed deposit. An example of automatically lending to an account will be described. In the account of collateral periodically it is attached, determines whether or not the settlement of account processing is possible in the withdrawal amount available by adding the balance and overdraft poles of the amount.

In the example shown in FIG. 5, when the calculation means 2 receives an account processing request (step S1), it first checks whether there is account information for the target account date and time (step S2). generated based account information of the target account time (virtual balance) in the immediate vicinity of the account information in the past than the target account time (step S3, the balance expanding step). Then, the account information of the target account date and time of the account processing request and the account information of the previous date and time are expanded in the main memory 21 (step S4, account information expansion step by account date and time ). Subsequently, the account processing request is processed based on the account information of the target account date (step S5), and the account information of the target account date is updated (step S6, target account date processing step). Then, based on the calculated account information of the target account time at target accounts date process, updates the account information at the time the other day (step S7, accounts by date and time account information updating process). Further, it is determined whether or not there is a need for cancellation / recutting with the previous date / time based on the updated withdrawal possible amount at each previous date / time (step S8). In the case of performing cancellation with a previous date or re-cutting with a previous date and time, cancel or re-cut the account processing for that date and time , or perform advance control. The account process shown in FIG. 3 is performed by these steps.

Further, in step S7 and S8, when the withdrawal request can be settled based on the withdrawal possible amount at the previous date and time, the processing result is stored in the file 6 as the account information with the previous date and time. Store. On the other hand, if it is impossible to settle the withdrawal request with the amount that can be withdrawn at the relevant account date and time , the withdrawal request is stored in the account information as a withdrawal schedule at the relevant date and time (account information storage step by account date and time). ).

FIG. 6A is an explanatory diagram showing an example of a check table that holds the correspondence between the availability of settlement of account processing and the processing with date and time . If there is a deposit / withdrawal for account processing and there is a change in the account balance, account processing that has not been completed due to a shortage of balance may be settled, or due to a change in account balance, there may be a shortage and settlement may be impossible. If the settlement possible, carry out and before倒再cut processing that defeat before the account date and time, the re-cut processing with at the time the other day. On the other hand, if the settlement is impossible, the date and time cancellation is performed, and the account processing is not established. Unestablished account processing waits for payment. If payment is not possible until the time of the account date / time has elapsed or when a predetermined payment waiting end time has been reached, an automatic loan by card loan may be performed. This automatic loan by card loan is different from the automatic loan within the overdraft limit by the collateral period, and the automatic loan is provided when the account processing for the loan is limited and there is no payment immediately before the expiration of the account date. .

FIG. 6B is a diagram showing a check table for cancel / recut determination. In step S7 shown in FIG. 5, when updating of the account information is completed at the time of each other day, cancellation recut determination table as shown in FIG. 6 (B) is generated. In the example shown in FIG. 6 (B), for the 2 o'clock account processing not met (withdrawal planned) is present as account date, transaction amount of the withdrawal will is less withdrawal Amounts, re-cut It becomes possible. Further, at 3 o'clock account date, because the withdrawal amount available is in the negative, it is necessary to cancel the inner one or several dispensing process to account time o'clock that 3. In step S8 in FIG. 5, it is determined such with at recent cancellation and re-cut with at the other day.

FIG. 7 is a flowchart showing an example of the cancel / recut process activated by the process shown in FIG. When the cancel / recut process is started in step S8 of FIG. 5, the check table shown in FIG. 6B is generated from the account information classified by account date and time in step S7 (step S11). If the withdrawal plan to account information in the file 6 is stored, when receiving a payment request for payment or the like to increase the withdrawal amount available in the account date and time of the withdrawal will, first, withdrawal will It is determined whether or not there is a previous date and time when the possible withdrawal amount is larger than the transaction amount (step S12). If there is a time other day applicable, re-cut with at the other day the withdrawal request payment plan to account date and time when the other day (step S13, re-cut processing step with the time other day). Subsequently, the balance of each account date and time is updated based on the processing result of this recut with date and time (step S14). Since there is a possibility that a transaction that can be recut still remains, the cancel / recut process is started again (step S15).

If there is no account processing request to be recut with a date and time , the presence / absence of an account date and time when the possible withdrawal amount is negative is searched with reference to the check table shown in FIG. That is, when the output KimuKaname seek to reduce the withdrawal amount available accounts date dated during other day has been processed, or withdrawal request dated during the recently by the process result of the withdrawal request is disabled settlement not (Step S16, process confirmation step with date / time ). If the corresponding withdrawal possible amount is a negative date and time or there is no account processing that makes settlement impossible, the processing ends. On the other hand, when the dispensing processing of non settlement at the other day during with processing confirmation step S16 is was discovered, revoke the you and discovered the account date with time recently dispensing process as non settlement (step S17, previously Cancellation process with date and time ). Then, the withdrawal process canceled in the previous date and time cancellation process is stored in the account information as a withdrawal schedule at the account date and time (step S18, withdrawal schedule storage process). Subsequently, since the possible withdrawal amount may be negative, the cancel / recut process is started again.

As described above, according to the first embodiment, the account processing for the account date and time with the date and time is completed in advance, and the date change is performed in order to cancel the date and time and recut with the date and time according to the account transfer. There is no need to perform transfer by batch processing before and after, and continuous online processing can be performed even before and after date change.

Second Embodiment
Hereinafter, in the second embodiment, the first example, and the second example, an example of information processing using an account date as an example will be disclosed in order to explain the contents of information processing using a balance for each account date.
FIG. 8 is a block diagram showing a configuration example of the second embodiment of the present invention. In the second embodiment, the result of the account processing request with the next business day as the account date is calculated with the account balance on that day. That is, the account processing with the previous date limited to the next business day and the date after the next business day as the account date is not established or is not input as an account processing request. Even with such a mechanism, online 24-hour continuous operation can be realized at low cost.

  In the example shown in FIG. 8 (A), the next business day account in which the calculation means 2 processes the account processing on the account date that becomes the next business day with respect to the calculation date on which the calculation is performed based on the account balance on the calculation date. After the next business day account processing unit 40 processes the account balance of the next business day calculated by the processing unit 40 and the next business day account processing unit 40, another account processing request is received until the next business day is reached. And a next business day account balance storage unit 42 for storing in the file as the account balance of the next business day when not.

  The account balance of the next business day (the amount that can be withdrawn) is the account balance of the next business day when another account processing request is not received by the next business day after processing by the next business day account processing unit 40. is there. When the next business day account processing unit 40 newly executes account processing for the account, the account balance of the next business day when no other account processing request is received by the next business day after the processing. Is stored in the file 7. The operation principle is the same as that of the first embodiment described above.

  The next business day balance storage unit 40 shown in FIG. 8 is similar to the account processing unit 8 for each business day shown in FIG. A next business day account balance update function 44 is provided for updating the account balance of the next business day according to the new processing result processed by 40. Thereby, the account processing result of the day is reflected in the account processing result of the next business day.

  FIG. 8B is an explanatory diagram showing a transition example of account information in the second embodiment. First, assume that the balance on the day is 50,000. Here, if there is a withdrawal of 30,000 on the previous date, the balance on the current day is set as the balance on the next business day, the withdrawal process is performed, and the balance on the next business day is set to 20,000. Subsequently, when there is payment on the day, the balance on the day is increased with reference to the balance on the day. The next business day account balance update function 44 reflects this increase in the next business day balance. Then, if there is payment for the next business day, the balance of the next business day is increased to 50,000.

  As described above, according to the second embodiment, account processing is executed in advance with the next business day as the previous date, and the balance of the current day and the balance of the next business day are separately provided. Therefore, no processing is performed when the date is changed. Processing such as transfer and transfer can be executed, and thus batch processing such as account transfer can be eliminated.

<First embodiment>
Embodiments of the present invention will be described below with reference to the drawings. The first embodiment discloses a configuration suitable for processing self-vibration data brought in from outside, self-vibration data generated from the inside, and normal online processing in parallel. Moreover, the example which performs account processing using the transaction detailed segment which shows the content of transaction, and the balance detailed segment which hold | maintains a balance according to an account date as account information is disclosed.

FIG. 9 is a block diagram showing a configuration example of the first embodiment. The basic configuration is the same as the configuration shown in FIGS. In the example shown in FIG. 9, a database (DB) or the like that is generally required to execute external self-vibration and internal self-vibration as account processing requests by the calculation means is added. In the example shown in FIG. 9, the completion processing system with date and time is related to external self-vibration, such as automatic payment of public utility charges, payments such as salary transfer, etc. from the medium 26, customer terminals 37, 38, etc. External self-vibration source data 101 and external self-vibration that adds data stored in the external self-vibration related DB 102 for managing the automatic transfer contract and self-vibration contract contents to the external self-vibration source data 101 Data generation means 100 is provided. The external self-vibration data generation means 100 stores information on the consignor (consignor for transfers, etc.) stored in the external self-vibration related DB 102 and information on the self-vibration contractor (the account holder who performs the transfer with the account). Use to generate external self-vibration data.

In addition, the completion processing system with date and time according to the present embodiment is related to internal self-vibration. Internal self-vibration management that manages processing by special provisions such as automatic funding and loan repayment and periodic processing such as periodic automatic renewal An internal self-vibration data extracting unit 110 is provided that extracts an account processing request having a date of a future date as a processing target date from the DB 111. The external self-vibration data and the internal self-vibration data are input to the self-vibration input file generation unit 120, respectively.

The pre-date and time completion processing system according to the present embodiment further includes a deposit master DB 160 that manages account information that is subject to account processing in each self- vibration data, and various internal master DBs 112 that manage the loan contents and the like. Yes. Various internal master DB112 is master DB in which the information regarding the processing result of internal self-vibration, such as the repayment result of the loan by account processing, is stored, for example.

  The deposit master DB 160 is a file 6 having the account information 7 in the above-described embodiment. In this embodiment, the deposit master DB 160 is configured to record the transaction details of the account processing on the account date for each account date of the account processing, and one of the calculation results of the account processing recorded in the transaction details segment. A balance statement segment for recording a balance statement for each account date for each account processing date. Moreover, you may make it provide the collateral | detail detail segment which memorize | stores the amount etc. of the collateral term deposit which determines the overdraft extreme amount of automatic loans, such as a collateral term.

The completion processing system with date and time according to the present embodiment also uses the internal self-vibration data extracted by the internal self-vibration data extraction unit 110 and the external self-vibration data read by the external self-vibration data generation unit 100, respectively. Self-vibration input file generation means 120 is provided that generates a self-input file that is edited and stores a center cut message including one or more account processing requests. The self-vibration input file generation unit 120 edits each self-vibration data to generate an account processing request, and further blocks a plurality of account processing requests to one message as necessary, and rearranges the messages. Do.

The completion processing system with a date and time further includes a calculation means 140 that responds to an account processing request with a CD / ATM 33 or a storefront terminal, and a center cut message generated by the self-vibration input file generation means 120 to the calculation means 140. And a center cut message input means 130 for inputting.

  The calculating means 140 has substantially the same function as the calculating means 2 shown in FIG. In the example shown in FIG. 9, the calculation means 140 has the balance details recorded in the balance detail segment that is the closest account date to the account date of the center cut message input from the center cut message input means 130. Account processing unit 150 according to account date to be processed based on the account date, and the processing result processed by the account processing unit 150 according to account date is recorded in the balance details segment as the balance details at the account date of the account processing request The processing result processed by the balance storage unit 142 and the account processing unit 150 by account date is used as the processing result at the previous date according to the transaction contents of the account processing request, and the external self-vibration original data 101 or various internal masters 112. And a processing result storage unit 144 for storing the data. The balance storage unit 142 by account date has a balance update process by account date that updates the balance detail segment of the future date after the balance statement based on the newly stored balance statement.

  The computing unit 140 includes an online response processing unit 146 that executes an account processing request from an ATM or the like. The online response processing unit 146 responds to a deposit / withdrawal command on the same date (the same day) as the calculation date.

The account processing unit for each account date 150 and the balance storage unit for each account date 142 perform substantially the same functions as those shown in FIG. The processing result storage unit 144 updates the account processing transaction result to the external self-vibration original data and various internal masters. The processing result storage unit 144 stores the result of the transaction at the previous date. Therefore, when the account processing is canceled or re-cut at the previous date, the new transaction result is stored in the external self-vibration original data or various kinds of data. Store sequentially to the internal master. For example, only the sequential external self Fuhara data to the transaction result to the case of non processing if the external self oscillation is store When it is not met. In such a configuration, when the account date, which is the previous date, has expired, the recording of the transaction results to the external self-vibration original data 101 and various internal masters has already been completed.

  The communication control device 28 and the networks 30 and 31 are the same as those shown in FIG.

  In the example shown in FIG. 9, external self-vibration data and internal self-vibration data are generated or extracted, respectively, and the self-vibration input file generation unit 120 generates a self-vibration input file from these self-vibration data. By setting the data structure of the self-vibration input file in a predetermined format, the external self-vibration and the internal self-vibration can be executed in parallel or continuously.

  Further, the account processing unit 150 by account date may be provided with a center cut reference function 151 for calculating account processing contents by referring to each DB according to the type of the account processing request. In this case, the periodic interest rate, the amount of the arrears of the loan, the automatic loan amount of the card loan, etc. are determined and processed at the time of account processing. The center cut reference function 151 enables future date processing based on the latest information, and simplifies the structure of the account processing request format, the account processing request execution program, and the self-vibration input file generation means. be able to.

  FIG. 10 is an explanatory diagram showing the types of databases used in the configuration shown in FIG. There are two types of self-vibration: a type in which an account processing request is read out using the account date as a key, and a type that is executed using a specific time on the account date as a key. Normal external vibration and internal vibration are account processes using the account date as a key. Account transfers using externally brought-in media and transfers and transfers according to operations of the customer PC 34 and the like are stored in the self-transfer original data file. Account repayment requests are extracted based on the registration data in various internal DBs for repayment by direct debit with the scheduled repayment date of the loan and payment to time deposits by automatic periodic services, etc. The

  In the case of loan repayment, accumulation, automatic periodic service, etc., internal self-vibration data is extracted based on information accumulated in the special contract management DB. For account processing for automatic continuation when the regular period expires, internal self-vibration data is extracted based on information stored in the due date management DB.

  Examples of self-vibration using a specific time on the account date as a key include funding of a bill check and automatic loan of a card loan. In addition, in order to execute the automatic periodic service, the amount of money may be changed before the account date expires after processing withdrawals from the savings account and depositing to the time deposit account on the previous date. is there. In this case, the operation of the terminal of the branch office cancels the related account processing that has already been executed and executes the account processing under the new contract. The account processing request due to such a billing date or a change immediately before is registered in the catch-up DB.

  In the present embodiment, various types of data and databases are properly used according to the contents of the transaction. However, as shown in FIG. 9, these are edited into a certain form of account processing request and then input to the computing means 140.

  FIG. 11 is a block diagram showing a detailed configuration of the self-vibration input file generation unit and the calculation unit shown in FIG. The self-vibration input file generation unit 120 includes a deposit request priority unit 121 that processes a deposit request prior to a withdrawal request among a number of account processing requests that precede the calculation date. In the example provided with the deposit request process priority unit 121, in the relationship with the process shown in FIG. 5, when there are a large number of account process requests that are ahead of the account date, the withdrawal possible amount increase process request is sent to the account. A processing order setting step for performing processing prior to the balance reduction processing request;

  If the deposit request is first processed by the deposit request priority unit 121, the possibility of cancellation becomes low. For this reason, for example, when payroll transfer is performed, the transfer process to each account on the previous date is performed first. Then, a future date process is performed in which the total amount transferred is withdrawn from the account of the payer. Similarly, in the future date processing, it is not necessary to complete the withdrawal of the transfer side account and the payment to the account on the transfer side for the transfer. That is, even if the deposit by transfer is performed on the previous date, and the withdrawal on the transfer side account becomes impossible after that, the deposit process can be canceled until the transfer date arrives.

The self-vibration input file generation unit 120 may include a type sorting unit 122 that rearranges a plurality of center cut messages in a predetermined order according to the type of the account processing request. In this case, for example, priority is given to incoming KimuKaname determined the dispensing request, another type of account processing to be performed after the completion of a certain type of account processing, entering to the center cut message input means 130 in the appropriate the order Can do.

  Furthermore, the center cut message input means 130 may include a random sort unit 123 that rearranges a plurality of center cut messages at random. This is intended to prevent throughput degradation due to access to the deposit master DB being concentrated in a specific area, and account processing that cannot be withdrawn when the balance is insufficient for several months. Acts so that the type is not constant.

In the example shown in FIG. 11, when the account date-specific account processing unit 150 shown in FIG. 9 changes in the possible withdrawal amount due to the update of the balance detail segment by the account date-specific balance storage unit 142, With regard to one or more account processes that have a certain account date and an account date that is later than the account date, the one or more account processes are performed on the assumption that there is no change in the amount that can be withdrawn until the account date. A cancel / recut processing function 152 for canceling or recutting is provided. Thereby, even if the balance is virtually insufficient at the previous date, the completion process with the previous date and time is satisfactorily performed.

  Further, the account processing unit 150 according to account date executes an account processing request that is closer to the present date among the plurality of account dates that are the future dates, and an account date that is later than the account date of the account processing request that has been executed. Is provided with a forward cancellation control function 153 for setting the account processing established in step 1 to be canceled. As a result, account processing is performed with an optimal account date.

FIG. 12A is a diagram illustrating a configuration example in which a recut management DB is added to the configuration illustrated in FIG. 9. As shown in FIG. 10, the recut management DB is a database that manages self-vibration data that is executed with time as a trigger. In the example shown in FIG. 12, the pre-date and time completion processing system includes a recut management DB 112 that manages account processing to be processed after a predetermined time on the account date, and an account processing request that is managed by the recut management DB 112. Of the account processing request whose account date is the current day is extracted after a predetermined time according to the type of the account processing request, and the extracted account processing request is input to the self-vibration input file generation means 120 And a process extraction unit 113.

  The time-dependent process extraction unit 113 is used, for example, when there is an unsettled account process and when an automatic loan is made with a card loan when the possibility of deposit is low or no longer exists. In this example, the deposit master DB 160 includes a remaining shortage detail segment that stores a transaction detail that has become impossible when a transaction on the account date is impossible and a recut deadline that is a time limit for performing the transaction. Then, the recut management DB 112 stores the non-payment process for the account having the remaining shortage detail segment and the non-payment process such as card loan execution as an account process request. For this reason, the time-dependent process extraction unit 113 extracts an account process request for performing a non-payment process from the recut management DB when a manual command is input or a predetermined time comes.

  Bills, checks, etc. are incorporated into the balance that can be withdrawn on the condition that there is no non-delivery notice. In this case, as shown in FIG. 12 (B), the balance detail segment of the deposit master DB 160 is unfunded to be funded on the funding date in response to an account processing request with the funding date as the funding date. Remaining data and actual remaining data indicating the balance that can be withdrawn are provided. The recut management DB 112 stores the funding process after the non-delivery contact time for an account having unfunded remaining data in the balance detail segment as an account process request.

  Referring to FIG. 12 (B), it is assumed that the deposit 100,000 by the check having the funding date of 10th has already been reflected in the balance details by the center cut of the previous date. If this 100,000 is added as it is to the actual balance, which is the actual balance, it becomes impossible to cope with the possibility of receiving a non-delivery notice after the withdrawal of cash. For this reason, on the 10th, which is the funding date, 100,000 is stored in the balance statement as an unfunded balance. On the other hand, the previous date, 11th, is incorporated into the actual balance without waiting for non-delivery. This is because the 11th is the previous date, so if funding becomes impossible, the funding process should be canceled, and the balance with the 11th as the account date should be withdrawn in cash on the 10th. In addition, generally, it is highly likely that the non-delivery notice will not be received and the funds can be normally funded, and in that case, the possibility that the withdrawal of the other day will not be established is increased. In fact, if there are 250,000 withdrawals due to a transfer on the previous date before receiving the 10-day non-delivery notification, the balance will be 50,000, and cancellation or recut processing due to unsettled account processing will occur. Can be prevented.

  If there is no non-delivery notification by 11:30 on the 10th, which is the funding date, the funding process read from the recut management DB is executed, and the unfunded balance is incorporated into the actual balance. On the other hand, when a non-delivery notice is received, no funding is performed, and the balance with the account date of 11th is also reduced by 100,000. In this case, the withdrawal of 250,000 is canceled when the possible withdrawal amount with the 11th as the account date is negative.

  13 and 14 are explanatory diagrams showing examples of transaction detail segments used in the configuration shown in FIG. In the example shown in FIG. 13 and FIG. 14, transaction of account processing on the account date on which the deposit master DB 160 (file 6) has the same date as the account processing 7 or the same date as the calculation processing date of the calculation means 140. A transaction detail segment for recording details, a balance detail segment for recording the balance details that form part of the results of the account processing recorded in the transaction details segment for each account processing account date, and transactions on the account date And a remaining shortage detail segment for storing a transaction detail that cannot be settled when the settlement is impossible. In addition, a collateral detail segment is provided for recording the transaction type and collateral amount for calculating the overdraft extreme of automatic loans such as collateral period.

  The remaining shortage details segment includes the account date data, the remaining shortage transaction details data that records the details of the account processing request that has become shortage, and the execution deadline for re-executing the account processing request when the transaction is impossible. Re-cut time limit data shown.

  The balance detail segment is used by the calculation means 140 to determine the balance for each account date of the current day or the previous date, and is updated for each account date according to the processing result of the account processing request. Then, after the update, the calculation unit 140 is used to determine whether or not to cancel the cancellation process for the account processing request for the previous date depending on whether or not the future date transaction becomes a balance that cannot be settled.

  In addition, after the account processing request for increasing the account balance of the account date is executed by the calculation means 140, the calculation date by the calculation means 140 has not passed the execution deadline due to the recut deadline data for the remaining shortage detail segment When the increased balance is larger than the transaction amount in the remaining shortage transaction details data, the recut processing by the calculation means is activated.

If there is account transition data based on the transaction details, balance details, and remaining shortage details, date change processing and cancellation / recut processing are facilitated. The account transition data in this data structure is referred to herein as pre- date and time completion processing data.

  Referring to FIGS. 13 and 14, the collateral amount carried forward is 50,000 (cell 0J in FIG. 13), and the overdraft extreme in this case is 90% 45,000 (0L in FIG. 14). The balance carried forward is 50,000, and the total amount is a possible withdrawal amount of 95,000. The withdrawal possible amount may be calculated at the time of account processing without being included in the balance detail segment itself. Here, in order to facilitate understanding, the explanation will be made without including late interest on loan repayment.

  First, the withdrawal 108,000 (1E in FIG. 13) for loan repayment with the account date being 2 days is executed as account processing. In this case, the amount of money to be withdrawn is larger than the amount of money that can be withdrawn, making settlement impossible. The account processing unit 150 by date records the transaction amount and the recut deadline in the remaining shortage details. The result of the transaction is extremely high and unsettled. Next, suppose that there is 10,000 (2E) collateral regular deposit by the automatic regularization service. Since the possible withdrawal amount is 95,000, this account processing is established, and the collateral becomes 60,000 (2J). Since the collateral amount has increased, there is an extreme increase (3D), and the extreme amount is 54,000 with 2 days as the account date. In this case, there is no change in the daily overdraft extreme.

  If there is a deposit of 150,000 by transfer on the 1st as the account date on the 1st, the loan repayment can be settled on the 3rd, so the previous date is recut (5C). Next, assume that there is a cash withdrawal 70,000 by ATM. Since the daily allowance is 95,000, account processing is established, and the daily balance is -20,000 (7K in FIG. 14). Since the balance for this day has been updated, the balance by account date storage unit 142 updates the balance detail segments for the 2nd and 3rd days. Since the amount that can be withdrawn is not negative on any account date, the cancellation process is not performed.

  Furthermore, suppose that there was 130,000 deposits by transfer with the account date as the second day. The balance on the 2nd is updated, and the possible withdrawal amount is 154,000 (8P in FIG. 14). Then, the loan repayment that was established on the third day can be settled on the second day. For this reason, the advance cancellation with the 3rd account date and the forward recut with the 2nd account date are performed.

  In this state, all account processing with 1st as the calculation date ends, and the 2nd is reached. The final balance on the 1st is -20,000, and based on this balance and the amount deposited on the previous day on the 2nd, the regular payment for loan repayment is completed, and the balance becomes -8,000.

  If there is a credit transfer with the third day as the account date on the second day, the amount of money that can be paid on the third day is 196,000, so this transaction is completed. Next, on the second day, suppose that there is a cash withdrawal of 40,000 by ATM of the same day account. Since the amount of money that can be raised on 2nd day is 46,000 (10P), this transaction is concluded, and the balance on the 2nd is -48,000. If the balance of the two days is reflected on the third day, the possible withdrawal amount is -4,000 (12S). Since the amount that can be withdrawn is negative, the withdrawal account processing with the third day as the account date is cancelled. Since the third sunrise is a credit transfer (11D), the withdrawal is canceled (13C).

  Suppose that three days have passed in this state. Although the payment on the third day is completed, the credit transfer remains unsettled. If there is no account processing on the 3rd, the card loan automatic loan target is extracted from the recut management DB and executed. If the automatic loan of the card loan is, for example, the minimum loan with a possible withdrawal amount of 0 yen, the automatic loan amount is calculated at the time of account processing by the center cut reference function 151 and is set to 4,000. This is deposited and credit transfer is established. When the center cut reference function 151 is used, it is not necessary to store the automatic loan amount in the recut management DB.

  As described above, according to the present embodiment, as shown in FIGS. 13 and 14, even if various account processes are executed in an order that cannot be predicted in advance for several account dates, the configuration shown in FIG. By using the balance segment for each account date, individual account processing can be executed strictly. Further, regarding transaction inquiries and transfer inquiries from customers, if they are established only by the day in the transaction details and only confirmed transactions are targeted, the customers are not notified of transactions of the previous date or canceled transactions. That is, by using the transaction detail segment, it is possible to prevent the canceled transaction from being recorded in the passbook and being contacted by the accounting information service of the farm banking (FB).

<Second embodiment>
In the second embodiment, a technique for performing parallel processing of online account processing and self-propagation account processing using an operation code table will be described.

FIG. 15 is a block diagram showing an example of the configuration of a pre-date and time completion processing system according to the second embodiment. In the example shown in FIG. 15, the completion processing system with date and time edits external self-vibration such as automatic transfer of public utility charges and internal self-vibration such as automatic accumulation into predetermined self-vibration data, and Self-input input file generation means 120 for generating self-input data including an operation code corresponding to the type of the account as an account processing request, arithmetic means 140 for responding to an account processing request with the terminal of the CD / ATM 33, and this arithmetic means 140 And a center cut message input means 130 for inputting the self-vibration input data generated by the self-vibration input file generation means 120.

The completion processing system with a date and time according to the present embodiment further includes a program storage means 170 for storing a plurality of subprogram data for processing all or part of online account processing requests and account processing requests based on self-vibration data, and the account And an operation code table storage unit 171 for storing an operation code table in which a subprogram name used in execution of a processing request and an execution order of the subprograms are stored for each operation code indicating the type of the account processing request.
The operation code is, for example, a numerical string, and is a code representing the type of account processing request, such as depositing ordinary deposits or canceling regular deposits. In this embodiment, the combination of this opcode, account date, and transaction amount is an account processing request.

  Then, each subprogram executes a common command for executing the processing common to the online account processing request and the account processing request based on the self-vibration input data, and the return or other of the subprogram according to the activation form of the subprogram. And a return / startup command for executing processing for starting the subprogram.

Further, the program storage means 170 is canceled during the execution of the subprogram to generate an account status at an account date that is a future date when it is assumed that there is no account processing for the account after the account processing. A cancel / recut main program for specifying an account process to be recut is stored.

  FIG. 16 is an explanatory diagram showing an example of an operation code table. The opcode table should be defined for each account processing task. For example, when withdrawing from a savings account and depositing into a time deposit, the deposit into the time deposit is considered as an activation process, and the withdrawal from the ordinary deposit is considered as a passive process. The activation process and the passive process are either established or both are stopped, and processing is performed so that only one of them is not established. As activation processing, there are external self-vibration such as deduction of public utility charges, financing, periodic processing, and account processing related to fixed volume. Examples of passive processing processed in conjunction with the activation processing include account processing such as savings, checking, and information registration. In the example shown in FIG. 16, account processing is divided into passive processing and activation processing, and an opcode table is created for each business.

  FIG. 17 is an explanatory diagram showing an example of the contents of the operation code table. FIG. 17 is an opcode table for ordinary deposits. It is assumed that the operation code of the ordinary deposit withdrawal is “01001”. The operation code specification of the operation environment of this operation code is described in the operation code table. For example, withdrawals of ordinary deposits also operate on Saturdays and perform central batch processing for future dates. On the other hand, separate approval processing for operation is not necessary. In a preferred embodiment, an account processing request for canceling an account processing request may be a certain number added to the original account processing request opcode. For example, if 500 is added for cancellation, if the operation code for savings deposit is 01001, the cancellation opcode for savings deposit becomes 01501.

  The operation code table prevents an account processing request designated by each operation code from operating in a non-predetermined operating environment. For example, even if an operation code that is not performed in the center batch process is input as the center batch process due to some trouble, the calculation means 140 can output an error by referring to the operation environment designation in the operation code table.

  Considering the withdrawal of ordinary deposit (opcode 01001) as an example, the details of the processing are the same when executed as online processing from ATM and when executed in earlier date processing such as external self-vibration and periodic deposits. May not. On the other hand, there is a process that is common to all types of startups as long as it is withdrawing from ordinary deposits. Further, the process of expanding the account date and the balance after the account date is a process common to deposit and withdrawal of the ordinary deposit. In this embodiment, the relationship between these account processes and programs is adjusted by a program list for each operation code shown in FIG.

  As a program activation mode, B: when the account processing request (opcode) is input for the first time from a terminal such as the branch terminal 34 or ATM 33, and C: the same account processing request is continuously issued from the same terminal. When entered: D: “accounted” started as part of a single transaction as passive processing, such as withdrawal of savings deposit for regular deposits, E: savings deposit at earlier date processing In order to cancel, recut, etc. when there is a change in the balance of the deposit, etc., there is a “derived” that is activated as another transaction different from the transaction such as deposit.

  The calculation means 140 has a function of specifying the operation code table based on an operation code of the account processing request when an account processing request is input, and the subprograms in the order specified in the specified operation code table. And a function to execute as a transaction. For example, in the example shown in FIG. 16, when the account processing request specified by the operation code 01001 is activated in the center, the subprograms 10, 11, and 12 are executed as one transaction in this order.

In this embodiment, two types of transaction starting methods are used properly. One is a linked transaction (chain transaction), and the other is a derivative transaction (unchained transaction). Linked transactions include, for example, when performing withdrawals from a savings account and depositing into a fixed deposit account to perform automatic recurring transactions, a transaction for withdrawing from a savings account and a transaction for depositing into a fixed deposit account Is a method of processing as a single transaction. That is, the linked transaction is one transaction. Linked transactions generally have a limited number of links, and are executed as one transaction, so if there are a large number of transactions to be linked, the response time of online transactions can be within a certain time. Disappear.

A derivative transaction completes one transaction and derives another transaction different from the transaction. Derived transactions (unchained transactions) are difficult to handle, but according to this embodiment, it can be assumed that several hundreds of re-cuts will be performed for one deposit process. When there are a large number of account processes for the same account, there is a limit to processing the future date cancellation and the future date recut in the linked transaction.

For this reason, in the example shown in FIG. 15, the calculation unit 140 executes the other subprograms instructed to start by the subprogram as the same or other transactions in parallel with the execution of the subprogram of each transaction. And a function for executing the cancel / recut main program as another transaction in response to a command in the subprogram after the normal end of the single transaction specified in the opcode table.

It is a linked transaction that activates another subprogram as the same transaction. It is a derivative transaction that starts another subprogram as another transaction. For example, when creating or transferring a time deposit by withdrawal from a savings account using ATM, the depositing or transferring to the time deposit is performed in conjunction with the withdrawal processing of the savings account. On the other hand, when there is a deposit from the ATM, it is a derivative transaction that re-cuts or advances the transaction of the previous date. When there is a deposit from ATM, a subprogram group for deposit processing operates as one transaction, and finally, the cancel / recut main program is started as a derivative transaction. The deposit processing transaction that started the derivative transaction ends, and the processing ends after printing the balance of the day. In parallel with the printing of the balance, the cancel / recut main program is executed as a derived subprogram. When an account process to be recut at a later date is found by deposit, the recut process of the account process is activated again as a derivative transaction. When the recut process is completed, a cancel / recut main program is started as a derivative transaction in order to confirm whether there is any other account process that can be recut. The cancel / recut main program is activated by repeated derivation until there is no account processing to be canceled or recutable account processing.
If there is a change in the account balance, this recut main program can be run to organize and complete the account processing for the future date assuming that there was no account processing after that account processing. .

In the present embodiment, the account processing request included in the center cut message for performing internal self-vibration and external self-vibration is the activation process shown in FIG. When the activation process is executed by the calculation means 140, the corresponding passive process is activated in conjunction with the activation process. For example, during the execution of account processing for loan repayment, the withdrawal process for the ordinary deposit subject to loan repayment is started in conjunction. At the end of the passive process, the cancel / recut main program is activated as a derivative. The cancel / recut main program searches for an account process to be canceled or an account process to be recut. The account process to be searched is an activation process. The cancellation / recut main program activates, for example, cancellation of fixed deposits. This fixed deposit is activated in conjunction with the corresponding passive process. Then, the passive process starts the cancel / recut main program by derivation again.

Hereinafter, a specific processing example will be described. FIG. 18 is a flowchart illustrating an example of the balance details update process (subprogram). Since this balance detail update is used for various account processing requests, it is a single subprogram. First, a balance detail update request is received. This balance detail update process is activated, for example, when an account process request is established and the account balance is changed. Subsequently, the balance details segment is read from the file 6 or the deposit master DB 160 (step A2). Then, the balance details are expanded in order of old account date (step A3). It is confirmed whether or not there is a balance statement of the account date for the account processing request (step A4). If there is no balance details for the account date, a balance details area for the account date is created (step A5). Subsequently, various balances after the account date are updated (step A6). Further, the updated balance detail segment is updated to the deposit master DB 160. Then, processing for returning to the main business is performed in accordance with the activation mode.

FIG. 19 is a flowchart illustrating an example of a normal deposit process. First, the office terminal and, ATM or, for example, from such a transaction to perform the transfer, to receive a payment request (step A11). Subsequently, the format of this deposit request , the presence / absence and status of the account to be deposited are confirmed (step A12), and if there is an abnormality, error processing is performed. If it is normal, a deposit transaction statement is created (step A14). Subsequently, the balance details update process shown in FIG. 19 is executed (step A15). When the balance details are updated normally, a deposit transaction log is output (step A16). This transaction log is used for printing various forms and for constructing a management database (delay processing). Then, the daily balance for managing the accounting of the financial institution is updated (step A17). Further, the presence / absence of an unsettled transaction is checked (step A18). For example, the presence or absence of remaining shortage details is checked. If there is an unsettled transaction, the cancel / recut main is activated as a derivative transaction (step A19). The normal deposit process is completed without waiting for the cancellation / recut main process to be completed.
Since the balance statement update process A15, daily balance update A17, and the like are common to various account processes, the same program may be used for various account processes using the program list of the operation code table.

FIG. 20 is a flowchart illustrating an example of a normal withdrawal process. When a withdrawal request is received from an ATM or an account processing request for performing an account transfer (step A20), the format and the account are checked (step A21). If the account is in a transaction stop, etc., error processing is performed accordingly (step A22). If the format or the like is normal, a possible withdrawal amount is calculated from the balance details of the account processing request, and the requested withdrawal amount is compared with the possible withdrawal amount (step A23). If the amount that can be withdrawn is insufficient with respect to the withdrawal request amount, error processing is performed with no balance (step A24). Similarly to the example shown in FIG. 19, creation of transaction details (step A25), activation and return of balance details update processing (step A26), output of transaction logs (step A27), and daily total update (step A28) )I do.

Subsequently, based on the updated balance details for each account date, the presence / absence of an account date having a negative withdrawal amount is checked (step A29). If there is an account date for which the possible withdrawal amount is negative, the cancel / recut main is activated as a derivative transaction (step A30), and the normal withdrawal process ends without waiting for the cancellation / recut main process to end. . On the other hand, when there is no negative withdrawal possible amount, the normal withdrawal process is ended.

FIG. 21 is a flowchart showing an example of the cancel / recut main process in the second embodiment. In the cancellation / recut main process shown in FIG. 21, the process shown in FIG. 21 is repeatedly performed to reliably cancel or recut the account process for any combination of transactions. The cancel / recut main program includes the following commands.

A date check table creation command for calculating a possible withdrawal amount for each account date based on the account information when activated from another transaction (step B2).
Required cancellation amount calculation command (step B3) for calculating the required cancellation amount for each account date based on the date check table created by the date check table creation command.
The date check table is, for example, a table shown in FIG.

If there is an account process settled within the recut deadline in the future from the first day of the account date, the cancellation process (step C1) of the account process is started and the cancellation / recut main program is again executed after the cancellation process is completed. An advance cancellation command to be activated (steps B4 and B5).

The reactivation of the cancel / recut main may be described in a subprogram constituting the cancel process as a return instruction when the cancel process is activated as a derivative. By repeating these steps B1, B2, B3, B5, and C1, all account processes to be advanced are temporarily stored in the remaining shortage details. Thereby, the settlement on the earlier account date is achieved by the latter half of the processing (C3 etc.). Once the remaining shortage item is specified, it is often recut again on the same account date, but there are also cases where reprocessing is performed by referring to some data during account processing, and changes in overdraft extremes, etc. In the cancellation / recutting main, all account processing settled within the future recutting period is canceled from the first day of the account date for the time being.

The cancellation / recut main program is used when the cancellation process is not activated by the advance cancellation command and the cancellation required amount is stored on the date check table, the account sunrise storing the cancellation required amount is stored. A cancel target specifying command (steps B6 and B7) for specifying an account process that is a gold transaction as a cancel target is provided.

Also, cancellation recut main program, as well as start the cancellation process C2 account processing specified in accordance with the cancellation target cancel command, cancellation processing start command for starting the cancellation recut main program after completion of the cancellation process again (Step B8).
Steps B1, B2, B3, B4, B6, B7, B8, and C2 are repeated until the possible withdrawal amount becomes positive. When the possible withdrawal amount is positive, necessary cancellation is performed for other account dates, and step B9 is executed to check whether there are any other account dates that can be recut.
In the cancellation target specifying command B7, the cancellation processing may be specified from the account processing having a lower priority than the other account processing. For example, when the priority of account processing with arrears is increased, the account processing to be canceled is sequentially specified from the account processing without arrears.

The cancel / recut main program further includes the following commands.
If the cancellation target is not specified by the cancellation target specification command B7, that is, if the minus of the withdrawal possible amount disappears for all the account dates, the account processing that has not been established or has not been established due to the cancellation processing. A settlement enable / disable determination command B9 that generates a list and sequentially identifies account processes that can be settled from the earliest account date.

When there is an account process that is determined to be settled according to the settlement enable / disable determination command B9, a recut process that activates a recut process for the account process and activates a settlement enable / disable determination command after completion of the recut process. Start command B10.
In the advance control, it is determined whether or not the account processing canceled at C1 can be settled on the previous account date at B10. For example, when cancellation / recut main is activated by deposit processing, there is a possibility that the item will be advanced in step B4 in FIG. 21 if there is a remaining shortage in spite of not being established in step A18 in FIG. It is determined whether or not it is a certain account process, and if it can be advanced, a cancellation process is performed (step C1). Then, in step B9, it is determined whether or not recutting is possible on an earlier account date (account date on which payment is made).

  A process completion instruction B11 for completing the process when there is no account process that is determined to be settled according to the settlement enable / disable determination instruction. The completion of the process is, for example, a return of the process to the business main.

  The recut process shown in FIG. 21 is a function of the calculation means. In other words, in one embodiment, the computing means processes an account balance increase request for increasing the balance of the account to be processed as the account processing request, and the future from the account date of the account balance increase request according to the processing result. An account processing unit that updates the balance detail segment defined on the account date, and reads the remaining shortage detail segment that has not exceeded the recut deadline and the transaction has not been completed after executing the account balance increase request Whether or not it is possible to recut the remaining shortage and detailed transaction details data read out by the remaining shortage and shortage details reading unit based on the balance details segment for each account date updated by the account processing unit. A re-cutability determination unit that determines whether the recut is possible, and a re-processing that reprocesses the remaining shortage transaction details data determined to be recut by the recutability determination unit. It may comprise a preparative process unit.

FIG. 23 is an explanatory diagram illustrating a configuration example of the passive process, the passive process, and the cancel / recut main program. First, it is assumed that the passive processing E1 of the operation code xx1 is executed by the calculation means 140. In this passive process, in order to cause a change in the account balance, the cancel / recut main is activated as the derivation process E3 at the end of the process (E2). The cancellation / recut main program E4 specifies the cancellation target or the recut target according to the process shown in FIG. 21, and starts the cancellation process or the recut target activation process (opcode xx2) in the derivation process E7 (E6). The activation process that is derived and activated performs the activation process according to the program list by the derived (E) in the operation code table as shown in FIG. During this activation process, a passive process such as a process related to savings is requested by the interlocking E11 (E8). The passive processing (opcode xx3) E12 requested to be linked performs withdrawal of the ordinary deposit, withdrawal of withdrawal, and the like, and activates the cancellation recut main at the end of the processing (E13). That is, the passive process E12 performs the same operation as the passive process E1. The passive process E12 returns to the interlocking process after the derivative activation E13 (E14).

In the startup process E8, the subsequent process is advanced in accordance with the normal end of the passive process, and the process ends (E10). The derivation process may be managed so that the start of the execution of the cancel / recut main program by the derivation of E15 is after the end of the activation process E8.

The relationship between the passive process, the startup process, and the cancel / recut main program will be described in detail. It is assumed that the withdrawal of the ordinary deposit indicated by the symbol D1 is performed on the previous date. Since there is a change in the balance, the cancel / recut main program is started in derivation E3. The ordinary deposit withdrawal D1 completes the processing without waiting for the completion of the operation of the cancellation / recut main program by this derivation. On the other hand, the derived cancellation / recut main program starts executing after the normal deposit / withdrawal process D1 ends normally. Here, it is assumed that due to withdrawal of the ordinary deposit, there is a shortage on the account date of the future date, and the periodic deposit that has already been established is subject to cancellation (D2, B7 in the example shown in FIG. 21). In this case, as the derivation process E7, the periodic deposit cancellation which is an activation process is activated (B8). During the periodic deposit cancellation process, a request for withdrawal cancellation process (passive process) of the corresponding ordinary deposit is made by the interlock E11. Withdrawal of ordinary deposits, which is a passive process, cancels withdrawals of ordinary deposits of the same amount as the periodic deposit withdrawal amount (D4). Since this cancellation process D4 involves a change of account, a cancellation / recut main program is started at generation E15. When the withdrawal of savings deposit and the cancellation of periodic deposit are committed, the linked transaction is completed.

As a result of canceling a transaction, it may be possible to recut other transactions that have not been completed. For example, it may be possible to recut 10,000 utility bill transfers that have not been established as a result of canceling 30,000 periodic deposits due to a shortage of 5,000. In step D5, it is assumed that a transaction that can be recut (transferred) from the previous date is found among transactions that have not yet been completed. Similarly, the external self-vibration is activated by the derivation E7, and the external self-vibration D6 requests the ordinary deposit withdrawn and performs the linked transaction. Since the balance changes due to the ordinary deposit withdrawal D7, the cancellation / recut main program is started again (D8). If there is no cancellation object and no recut object, the cancellation recut process of the future date transaction started by the ordinary deposit withdrawal D1 is completed here.

As described above, in the second embodiment, by using the linked transaction and the derivative transaction properly, it is possible to process the completion process with the previous date and time in parallel with the online process without causing a delay in the account process by other online process. it can. For example, even if you do not set priorities for processes by other transactions for derivative transactions, etc., conventional batches such as account transfers without affecting online response time due to restrictions on the maximum number of derivative transactions, etc. Account processing that has been performed in the processing can be processed during online processing.

  FIG. 24 is an explanatory diagram showing an example of a daily program execution according to the second embodiment. From 7:00, center cut (C / C) of internal vibration and external vibration is started, and external vibration and bill exchange are sequentially executed. Further, the other-store ticket funding C / C by the recut management DB is executed at 11:30, and the card loan automatic loan C / C is executed after 16:00. Subsequently, the C / C for re-execution of account processing whose contract has been changed, reorganization processing of master data, etc. are performed. At 24:00, all center cuts (account processing) performed by batch processing are performed. Can be completed at a later date to change the date.

It is a block diagram which shows the structure of 1st embodiment of this invention. FIG. 2A is an explanatory diagram showing an example of processing in the configuration shown in FIG. 1, FIG. 2A is a diagram showing an example of a withdrawal process, FIG. 2B is a diagram showing an example of a deposit process, and FIG. C) is a diagram showing an example of processing in the previous time. It is explanatory drawing which shows an example of transition of the account information in the structure shown in FIG. It is a block diagram which shows the structural example of the hardware resource of this embodiment. It is a flowchart which shows an example of the account process in the structure shown in FIG.1 and FIG.4. It is explanatory drawing which shows the relationship between the balance transfer by account processing in this embodiment, and a future date process, FIG. 6 (A) is a figure which shows the response | compatibility of the decision | availability of a payment, and a future date process, FIG. It is a figure which shows the table for cancellation recut determination. It is a flowchart which shows an example of the cancellation recut process started by the process shown in FIG. It is a block diagram which shows the structural example of 2nd Embodiment of this invention. It is a block diagram which shows the structural example of 1st Example of this invention. It is explanatory drawing which shows the kind of database used with the structure shown in FIG. FIG. 10 is a block diagram illustrating a detailed configuration of a calculation unit and the like illustrated in FIG. 9. It is explanatory drawing which shows the process example using recut management DB, FIG. 12 (A) is a figure which shows the part added to the structure shown in FIG. 9, and FIG. It is a figure which shows the process example. It is explanatory drawing which shows the example of the transaction details segment etc. which are used with the structure shown in FIG. It is explanatory drawing which shows the example of the balance details segment according to the transaction detail segment etc. which are shown in FIG. It is a block diagram which shows the structural example of 2nd Example of this invention. It is explanatory drawing which shows an example of the opcode table used in 2nd Example. It is explanatory drawing which shows an example of the ordinary deposit opcode table shown in FIG. It is a flowchart which shows an example of the balance details update process in 2nd Example. It is a flowchart which shows an example of the normal payment process in 2nd Example. It is a flowchart which shows an example of the normal payment process in 2nd Example. It is a flowchart which shows an example of the cancellation recut main process in 2nd Example. It is explanatory drawing which shows an example of the date check table used by the process shown in FIG. It is a flowchart which shows an example of the time deposit receipt cancellation process in 2nd Example. It is explanatory drawing which shows the example of a 1-day program execution by 2nd Example.

Explanation of symbols

Second computing means 4 receiving unit 6 File 7 account information 8 separate account information storage unit 12 undo function equipped at the other day when another account processing unit 10 accounts date when accounts Date
13 Date / time recut function 16 Date / time balance update function

Claims (3)

Calculation means for calculating an account processing request having a transaction type of account processing such as various deposits and withdrawals for each account, a target account date and time that is the transaction date and time of the account processing, and a transaction amount that is a deposit or withdrawal amount; A file for recording the account processing result calculated by the calculation means as account information,
The file is the account information,
Transaction details information for each account processing that records the calculated account processing request target account date and time, transaction type and transaction amount by account date and time that is the transaction date and time of the account processing request,
Balance details information for each account date and time to record the balance of the account date and time account processing for each account for each account date and time,
The account processing request is a transfer request to an account subject to the account processing request or a deposit request by an automatic cash deposit payment machine or a withdrawal request by an account transfer or an automatic cash deposit payment machine,
The balance statement information has at least the balance with the same date and time as the calculation date or the latest balance in the past for the account for calculating the account processing request,
The computing means is
Among the balances recorded in the balance details information, if a balance with the same date and time as the target account date is recorded, the balance is specified as the balance of the target account date and time, If the balance is not recorded, the balance closest to the target account date is specified as the balance of the target account date,
Add / subtract the balance of the identified target account date and time and the transaction amount,
A transaction type and transaction amount of the calculated account processing request are provided, and an account processing unit for each account date and time is recorded in the transaction details information as a target account date and time that is a transaction date and time of the account processing request.
By recording the balance after the addition and subtraction by the account processing unit according to the account date and time in the balance detail information as the balance of the target account date and time, when the target account date and time is the previous date and time, the target account date and time A date and time completion processing system comprising: an account information storage unit for each account date and time that records the current balance as a balance of the date and time in the balance detail information. When the balance statement information already has a balance with a date ahead in the future from the calculation date for the account for calculating the account processing request,
The account processing unit according to the account date and time is a process for specifying the balance of the target account date and time in response to another new account processing request with the account date and time with the same date and time as the calculation date or time as the target account date and time. , Execute the process of adding and subtracting and the process of recording in the transaction details information,
The account information storage unit by account date and time,
After the another new account processing request is executed by the account processing unit by account date and time,
The balance added and subtracted by the account processing of the other new account processing request is recorded in the balance description information as the balance of the target account date and time with the same date and time,
Corresponding to the other new account processing, the transaction amount is calculated with respect to the balance with the date and time ahead of the target account date and time among the date and time with the date and time recorded in the balance detail information. The completion processing system with the previous date and time according to claim 1, wherein the balance with the previous date and time is updated by addition and subtraction. If the transaction amount is larger than the balance of the target account date and time and cannot be settled in the withdrawal process with the target account date and time as the target date and time, the file records that the withdrawal process has not been completed. Have results,
The account processing unit by account date and time,
When the balance is updated by a new deposit process, the withdrawal process in which the result of the transaction is not established is read for the date and time when the balance has increased by the new deposit process, and the read unestablished Compare the balance corresponding to the target account date and time of the transaction with the transaction amount, and if the transaction amount can be settled below the balance as a result of the comparison, re-execute the unsettled withdrawal process By doing a re-cut with the date and time ahead,
When the balance is updated by a new withdrawal process, the date and time when the balance is updated is checked for the date and time when the balance has become negative. If there is, the withdrawal process with the target date and time as the target date and time when the balance has become negative is read from the transaction details information, and it is determined that the transaction has not been established for the readout process. 3. A date-and-time completion process according to claim 2, wherein the date-and-time cancellation is recorded by adding the transaction amount of the withdrawal process recorded in the result to the balance of the target account date and time. system.

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