JP3941946B2 - A recording medium recording a program for completion processing of a previous date and a program for canceling / recutting main processing - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The present invention relates to a future date completion processing system and method, and more particularly, to a future date completion processing system and method for processing automatic transfer and transfer for an account in a financial institution in parallel during online operation. In addition, for realizing such a future date completion processing systemThe present invention relates to a program for cancel / recut main processing and a recording medium on which the program is recorded.
[0002]
[Prior art]
  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, in Japanese Patent Application Laid-Open No. 59-77573, withdrawing from an account (withdrawal processing) using the time from the night before the next morning of the designated transfer date (account date) to charges for electricity, gas, water, etc. ) Is disclosed. Japanese Patent Laid-Open No. 7-93439 also discloses a technique for performing account transfer by batch processing.
[0003]
[Problems to be solved by the invention]
  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.
[0004]
  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.
[0005]
  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.
[0006]
OBJECT OF THE INVENTION
  The present invention improves the disadvantages of the conventional example, and in particular, in parallel with online processing such as deposits and withdrawals using terminals such as ATM.Without compromising online processing response,Future date completion processing system that can process various transactions such as account transfer and loan repaymentAnd cancellation Main processing programIts purpose is to provide.
  In other words, the present invention processes account transfer processing, etc., which has been conventionally performed as batch processing, in parallel during online processing.To provide an accounting system that does not degrade online response,That is the purpose.
[0007]
[Means for Solving the Problems]
  In the present invention, account processing for the future date is executed before the account date is reached, and account information (for example, balance) for each account date is held. Then, the account information to be referred to changes at the moment when the previous date becomes the current day. Generate account information for the future date, andOn the dateAccount balance changes(Fluctuation)If there is a change in the interest rate or contract details, the change is reflected in the balance at the previous date. Thereby, for example, when the account date is a day unit, when the date change process is completed, the account process using the changed date as the account date is also completed.
  That is, in the present invention, based on the current account information, a balance at a future date when there is no account processing thereafter is virtually generated, and the account processing of the future date is performed based on the balance at the future date. By executing it, the account processing that has been conventionally performed in batch processing is processed in parallel during online processing. This is a process of calculating in advance the balance of the future date, etc., assuming that the current account process is the final account process until the date of the future date arrives. After that, if there is another account processing before the account date of the future date arrives, the balance of the future date is calculated assuming that the account processing is the final account processing again. The balance of the future date is a balance that cannot be used unless it becomes the date and time of the future date for the account holder.
[0008]
  The present inventionOf the future date completion processThe principle is that future account information is generated based on the current information 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. Since it is a processing of the future date, the account holder cannot directly use the balance of the future date for the transaction, and therefore, the future date processing can be canceled. For this reason, if a change in contract is notified after withdrawal of ordinary deposits and deposits into time deposits using the automatic periodic service, the account processing on the previous date will be canceled, It can be re-executed based on the changed contract.
[0009]
  As described above, the account information at the future date when it is assumed that there is no change from the current state is calculated in advance, and when the state has changed, the account information at the future date is calculated again. And the previous dateDateThere is no need to perform any processing before or after the meeting.In the present invention, a derivative transaction is used to adjust the balance after the state change.For this reason, it is not necessary to perform account processing by batch processing after online processing is completed. Therefore, the account processing on the future date of the present invention is completed when the account processing is completed.
[0010]
  The change from the current state is not only based on the premise that there is no subsequent account processing, but the interest rate added to the fixed deposits and accounts that are contracted on the future date is now known, and there is no change after that Premises (if there is a change, account processing is executed again) are included. For this reason, there are many objects that can be processed in the future date. Various account processing for ordinary savings account and checking account, exercise of option according to certain conditions, calculation of difference when amount on due date is fixed when settlement of futures transaction with account and Payments and reservations for withdrawals from a savings account for special repayment of mortgages can also be executed during online processing as a completion process for the other day.
[0011]
  The present inventionA 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 as a transaction date of the account processing, and a transaction amount which is a deposit amount or a withdrawal amount; Account processing which is the withdrawal processing or deposit processing calculated by this computing means And a file for recording the results as account information.
  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 automatic cash deposit payment machine.
  Further, the file includes transaction details information, balance details information, and transaction results as the account information.
  The transaction details information is information for recording the calculated account date, transaction type, and transaction amount for each account process by account date, which is the transaction date of the account process request.
  The balance details information is information for each account date, in which the balance of the account date on which account processing was performed for each account is recorded for each account date.
  The result of the transaction is information that records that the withdrawal process is unsuccessful if the transaction amount is larger than the balance of the target account date in the withdrawal process with the target account date as the previous date and cannot be settled. It is.
  And in this invention, the said balance detailed information has the balance of an earlier date in the future from the said calculation day separately from the balance of the said calculation day about the account which calculates an account process request.
  Further, in the present invention according to claim 1, the computing means executes the account processing, transaction management processing, future date cancellation processing, and recut processing.
  First, the calculation means performs the following management process as the transaction management process for managing the activation of a transaction.
  Management for processing the account processing request in one transaction.
  Management in which another transaction is derived during execution of the one transaction, and account processing (previous date cancellation processing, recut processing) of a predetermined future date is performed in the derived transaction.
  During execution of the derivation transaction, another transaction is repeatedly derived until there is no account processing for the future date, and the account processing for all future dates is performed in the derivation transaction.
  The calculation means performs the following processing as the account processing by one transaction for processing the account processing request.
  Among the balances recorded in the balance detail information, the balance on the same day as the target account date isIf the balance is recorded, the balance is identified as the balance of the target account date. If the balance of the same account date is not recorded, the balance closest to the target account date in the past is the balance of the target account date. As specifiedTo do.
  The balance of the specified target account date and the transaction amount are added and subtracted, and the transaction type and transaction amount of the calculated account processing request are used as the account date, which is the transaction date of the account processing request. Record in detail information.
  The balance after the process of adding and subtracting the transaction amount and the specified balance is recorded or updated in the balance detail information as the balance of the target account date.
  Among the account dates of the future dates recorded in the balance statement information, when there is a balance of the future date that is in the future from the target account date, by adding or subtracting the balance of the future date and the transaction amount, Update the balance of the future date.
  After the account processing by the one transaction is ended, the calculation means performs the account processing of the previous date by repeating the derived transaction. In other words, after recording or updating the balance by account date, recut processing or future date cancellation processing is performed.
  In the recut process, when there is a future date when the balance has increased, the withdrawal process in which the result of the transaction is unsettled is read, and the balance corresponding to the read target date of the unsettled withdrawal process is When the transaction amount is compared with the transaction amount, and the transaction amount is settled below the balance, the recut is performed by re-executing the account processing of the unsettled withdrawal process. Execute the process in a derived transaction.
  In the future date cancellation process, if there is a future date when the balance is negative, the withdrawal process with the target date as the future date when the balance becomes negative Read from the transaction details information, record in the result of the transaction that it has not been established for the read withdrawal process, and add the transaction amount of the withdrawal process that has not been established to the balance of the target account date Then, by performing the update process of the balance of the future date, the cancellation of the future date is executed in a derived transaction.
  This means that direct debits are processed without deteriorating online responses.The present invention intends to solve the above problems.
  Here, “after the account date” includes the account date, and “future from the account date” does not include the account date. “Update” means overwriting of the balance on the same date as the calculation date stored in the file or on the previous date. “Recording” is mainly used in the first account processing of a certain date on the same date or the previous date, and is used when a new balance of the account date is stored, and is also used for data recording in general.
  “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. Account processing of these various contents may be handled, for example, transfer or the like may be handled by another calculation means, and only the transfer of public charges may be handled by the future date completion processing system according to the present 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 can be applied not only to a single currency, but also to foreign exchange transactions if, for example, the exchange rate for the previous date 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, cash deposits and withdrawals at ATMs, CDs, and financial institutions store terminals are immediate account processing.Math day andintuitionFixed dayMatch.
[0012]
  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, If an automatic loan secured by a deposit is attached,Overdraft limit (Amount available for automatic financing)The sum of the actual balance 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.
[0013]
  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.
[0014]
  In the present invention, the account processing unit by account date performs the calculation.Same date as calculation date or future dateThe account processing on the account date is processed based on the latest account information on the account date. And the account information storage part by account date stores the processing result of the account processing part by account date in the file as account information on the account date of the account process.
[0015]
  In the present invention, the account date is a day unit.
[0016]
  This “account date” is, for example, a transfer date if the account process is a transfer. If the loan is being repaid, the “contract repayment date” is considered to be the account date. For salary transfers, the transfer date corresponds to the account date. In this specification, the transaction execution date specified in these various account processing requests is referred to as “account date”. "CalculationDay"Is the “current day” on which the operation is performed, and is also referred to as “present”.
[0017]
  In the present invention,Calculation dateAccount processing request on the account date that is the future date,Calculation dateProcess at the stage. The processing resultCalculation dateIs stored as account information on the account date that is the previous date. Accordingly, account information is generated and managed for each account date for which an account processing request is made. For example,Calculation dateAnd the future balance (virtual balance) processed on the previous date is stored in the file. This future balance is the balance of the account date when the account date arrives without account processing after the account processing performed so far. For this reason, for example, assuming that the account date is a day unit, when the date is changed, the account process to be performed on the account date is completed without any processing before and after the date change, and the new date is reached. The balance on the date is confirmed.
[0018]
  For example, the account date that is the future date isCalculation dateNext business day. Then, an account processing request such as a transfer with the next business day as the account date is calculated on the day before the next business day (transfer date, account date). As a result of the calculation, the current balance and the balance of the next business day are individually stored in the file. After that, the balance changes for the account(Change)Assuming that the processing that brings about is not performed, the withdrawal (withdrawal) is confirmed at the stage of changing the date from today to tomorrow, and processing based on the new balance becomes possible. Therefore, the process based on the new balance after the account transfer can be performed at the moment when 0:00 am has passed.
[0019]
  In addition to the above, it is also possible to specify the date and time in the morning and afternoon, or to trade in the date and time in seconds as the “account date and time” instead of the daily date. In the present invention, the account date is a day unit, but here, the principle of the pre-date completion process is described by taking time instead of date as an example.explain. For example, 1:30 pmThe account date and timeSuppose there is a transfer.This exampleThen, 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, the two account information of the balance referred to at the time before 1:30 pm and the balance referred to after 1:30 pm are stored in the file. For this reason, a transaction at 1:30 pm without any processing around 1:30 pmDate and timeIt can be completed with. 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 exampleAccount informationBy account dateThe actual calculation date and time can be anytime due to the idea of
[0020]
  In the present inventionPerforming transfer of public charges etc. by batch processing with the account date as a day unit corresponds to the above-mentioned 1:30 pm mass processing when the account date is considered as an hour / minute unit. 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 processing 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, in the future date completion processing system according to the present invention, there is no need to perform any processing on the account information at the moment of date change (before and after). The account processing request for the account date that is the previous date is calculated in advance, the account information for each account date is generated, and the balance on that day is determined based on the balance on that day or the closest past balance. For this reason, the account date processing is completed by calculating the account processing request in advance.
  If there is a large amount of transfer on a certain account date with respect to the processing capability of the calculation means, transactions on that account date may be calculated using multiple days, Processing on the previous business day may be performed on the previous date. As described above, in the future date completion processing system according to the present invention, the account processing load is distributed in time.
[0021]
  In the embodiment of the present invention, after processing the account processing request on the account date of the previous date, the current balance is changed, and the processing on the future date cannot be executed, or conversely, it is not established on the previous date When the above process can be executed, techniques for dealing with various aspects are disclosed, such as canceling the previous date process and re-executing (recutting) the account process that has not been established.
[0022]
  In the present invention, after the balance of the previous date is stored, another new account processing request is processed, so that the future date is processed when the balance changes. That is,Cancel account processing that was already established on the previous date, or withdrawal that was not establishedRecut the process. In the present invention, a derivative transaction is used to adjust the establishment and non-establishment of the account processing of the future date according to the latest balance and the balance of the future date. By using a derived transaction, an online response such as ATM is immediately completed, and immediately after that, processing of the previous date such as balance adjustment is performed as another transaction.
[0023]
DETAILED DESCRIPTION OF THE INVENTION
  Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[First Embodiment]
  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 future date completion processing system according to the first embodiment is the same as the future date completion processing system according to the first embodiment in the example shown in FIG.Is the transaction type of account processing such as various deposits and withdrawals for each account, the target account date that is the transaction date of the account processing, and the transaction amount that is the deposit amount or withdrawal amountA calculation means 2 for calculating an account processing request having an amount and a calculation means 2TheAccount processing resultsTheAnd a file 6 to be recorded as account information.Further, the future date completion processing system may include receiving means 4 for receiving an account processing request such as a transaction on a bill date.
  As shown in FIG. 3 and the like, the file 6 includes, as the account information, the calculated account date, transaction type, and transaction amount of the account processing request according to the account date that is the transaction date of the account processing request. Transaction details information recorded for each process (account processing in FIG. 3) and balance details information by account date for recording the balance of the account date for which account processing has been performed for each account (account balance in FIG. 3) Information)). The balance detail information has a balance of the future date from the calculation date, separately from the balance of the calculation date, for the account for calculating the account processing request.
  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 automatic cash deposit payment machine.
  And the calculation means 2 is the said calculationSame date or future dateBecomeTargetAccountOf the dayAccount processing concernedTargetAccount dateOn the same date or in the pastLatestBalanceAccount processing unit 8 according to account date to be processed based on the account date, and account processing unit 8 according to account dateBalance after processing byConcernedTargetOn account dateBalanceAs said file6The account information storage part 10 according to the account date stored in this is provided.
  When the account processing unit 8 by account date records the balance on the same day as the target account date (the same date as the calculation date or the previous date) among the balances recorded in the balance detail informationIs specified as the balance of the target account date. If the balance on the same date as the target account date is not recorded, the balance closest to the target account date in the past is specified as the balance on the target account date.The account processing unit 8 by date further adds and subtracts the balance of the specified target date and the transaction amount. Then, the account processing unit 8 by account date records the calculated transaction type and transaction amount of the account processing request in the transaction details information with the target account date as the transaction date of the account processing request as the account date.
  Further, the account information by account date storage unit 10 records the balance after processing added and subtracted by the account processor by account date 8 in the balance detail information as the balance of the target account date. Thereby, when the target account date is a future date, the balance of the target account date is recorded in the balance detail information as the balance of the target date.
[0024]
  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.
[0025]
  The computing means 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, important parts are extracted from various functions necessary for the completion process of the future date. That is, the calculation means 2 includes an account processing unit 8 for each account date and an account information storage unit 10 for each account date. The account processing unit 8 by account date processes an account processing request having the account date as the account date when the account processing request is received based on the account information on that day. For example, when performing cash withdrawal by an operation such as ATM, the account information on the day is read, and the cash withdrawal is performed based on the balance. Moreover, the account processing part 8 according to account date processes the account processing of the account date which becomes a date ahead with respect to the date and time when the account processing request is received based on the account information of the date ahead. If there is no account information of the previous date, the account information of the account date of the future date is generated based on the latest account information of the account date. For example,Calculation dateThe balance of the same amount as the account balance is set as the balance of the next business day, which is the previous date. Account processing request is sent to the account subject to the processing request the other day by bank transfer etc.WithThis is a withdrawal request at a later date, such as a deposit request or direct debit.
[0026]
  Account information storage unit 10 by account date is processed after account processing is processed by account date.ofBalance the accountTargetStored in the file 6 as account information on the account date. As a result, account information by account date(Balance)Is generated. The account information by account date is accessed by the account processing unit 8 by account date.
[0027]
  FIG. 2 is an explanatory diagram illustrating an example of account processing. As shown in Fig. 2 (A), if the balance for 10 days is 30,000, 20,000 withdrawals with an account date of 11 daysrequestWhen processing (for example, transfer) on the 10th, this 20,000 withdrawalrequestWill 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. And 11thTargetProcess a withdrawal request of 20,000 as the account date, and set the balance on the 11th 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.
[0028]
  Figure 2 (B), deposit the account processingrequestIt is a figure which shows the example made into (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.
[0029]
  In the example shown in FIGS. 2 (A) and 2 (B), the billing date is a day unit.FIG.Have a balance statement at each time (or a certain time)An example. In the example shown in FIG. 2C, it is assumed that the balance at 9:00 on the 10th is 30,000. And accountDateIs received at around 9:30 with a deposit process of 50,000 with 13:00. This processing is processing at the previous date and time.in this case, The balance at 13:00 is set to 30,000, and then the balance at 13:00 is set to 80,000 by depositing 50,000. Similarly to the case shown in FIG. 2B, for example, the amount that can be withdrawn at 12:59 on the 10th is 30,000, and the amount that can be withdrawn at 13:00 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.Here, FIG. 2C is the only example in which the account date is used instead of the account date, and the account information is provided for each time.
[0030]
  In the completion process for the future date, if the account balance is insufficient or if the account balance becomes insufficient due to the transaction on the day, the future date transaction can be canceled. 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 as the previous date, 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 the present embodiment, since the account processing at the future date is executed based on the result of executing the last account processing request (balance etc.), the account that could not be settled at the future date according to the change of the account balance The process can be recut. Further, as disclosed in Japanese Patent Laid-Open No. 59-77573, the account processing that has not been established may be recut when there is a deposit on the day.
[0031]
  Referring to FIG. 3, if the file 6 (in this case, transaction details information) has a transaction amount larger than the balance of the target account date and cannot be settled in the withdrawal process with the target account date as the future date, Has the result of a transaction recording that the gold processing has not been completed.
  Then, referring to FIG. 1 again, in the present embodiment, the account processing unit 8 according to account date performs the calculation.DaySaidTargetUntil the account date, the above calculationOn the same date or in the paststraightNearAs a result of processing the withdrawal request based on the balance at the account date,WithInWithdrawal processingIn the event that payment becomes impossibledateTo cancel account processing atDateAn erase function 12 is provided.
  Specifically, when the balance is updated by a new withdrawal process, the future date cancellation process (the future date cancellation function 12) is performed as shown in FIG. If there is a future date when the balance becomes negative, the withdrawal process with the target date as the target date when the balance becomes negative is confirmed. Read from the transaction details information, record in the result of the transaction that it has not been established for the read out withdrawal process, and add the transaction amount of the withdrawal process that has not been established to the balance of the target account date As a result, the cancellation process for the future date is performed.
[0032]
  The other dayWithCancellation function 12 is used for account processing that can be settled on the previous date.(past)Day (for example,The same date as the operation dateCancel account processing that cannot be settled as a result of withdrawals. That is, the latestWithdrawalAs a result of executing the request, settlement is not possible at the future dateWithdrawalIf there is processing, the latestWithdrawalCancel the account processing based on the request execution result (account information). Canceled account processingThe result of the transaction isIf it is not yet established, waits for payment until the account date of the future date, and if there is no payment until the account date expires,Withdrawal processingIs not settledConfirm withIt becomes. AheaddateThe account information update function 16 adds the amount due to the cancellation of the account processing to the balance of the account date on the future date.
[0033]
  Account processing unit 8 by datePayment requestWhereBalance after operationDepending on the date of the transaction, The result of the transactionIt was not establishedWithdrawalRe-execute processingReA cut function may be provided.
  When the balance is updated by a new deposit process when the balance is updated by a new deposit process, the re-cut process (re-cut function), as shown in FIG. The withdrawal process with an unsettled result is read, the balance corresponding to the read target date of the unsettled withdrawal process is compared with the transaction amount, and as a result of the comparison, the transaction amount is settled below the balance. If possible, the re-cut process is performed by re-executing the unsettled withdrawal process.
[0034]
  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 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, in a contract that automatically reserves funds, a reserve is made not only for the transfer date (account date) to be reserved, but also when there is a balance until the day before the next transfer date. In this case, the billing date is one month. The first day of the account date is called the account date,The nextThe deadline for recutting, such as the day before the transfer date, is called the recut deadline.Huh.
[0035]
  Recut deadlineFor example, if the account process has 10 days as the first day of the account date, the balance will be insufficient on the 10th, and on the other hand, if the payment is possible on the 11th, it will be 10 days. soThe results of the transactionAfter it is not established, account processing is performed with the 11th as the account date. Thereafter, when payment is made on the 10th, it is preferable to set the account processing on the 10th instead of the account processing on the 11th. For example, since it is also assumed that an arrearage charge will occur if the 11th is set as the account date for loan repayment, etc., account processing established on the previous date may be advanced to an earlier account date. desirable.
[0036]
  In this example, the account processing unit 8 by account date 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 to be executed as the account date.(The result of the transaction is established)And canceling the canceled account processing request as an account processing request on the execution date.BeforeA fall control function 14 is provided. ThisBeforeThe fall control function 14Recut deadline (Account date for a certain period)Can be a transaction on an earlier account date than can be settled when there is a change in account balance.
[0037]
  FIG. 3 is an explanatory diagram showing an example of transition of account information in the configuration shown in FIG. In FIG."Account processing"(Transaction details information)Indicates the contents of the transaction,"Balance (account information)"IsAccount processingThe results are shown. The calculation date is the date when the account processing request is executed. The account date is the date on which the transaction should be performed, and the self-assigned serial number is a number for individually identifying self-assignment such as automatic transfer and automatic transfer. The transaction is withdrawing from the account or depositing into the account, and the specific transaction content is stored in the transaction type. Transaction amount is self-vibration amount,TradingThe result records whether or not the account processing (transaction) has been established.
[0038]
  First, assume that the balance for 10 days is 30,000. On the 10th, it is assumed that the electricity charge withdrawal (self-assigned number 001) is performed on the 11th, which is the previous date. In this case, the account processing unit 8 by account date first sets the balance on the 11th to 30,000 based on the balance on the 10th which is the most recent account date on the 11th. 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 sets the balance on the 11th to 20,000. At this time, there is no change in the balance for 10 days.
[0039]
  Next, suppose that there is 50,000 deposits by transfer on the 10th and the 12th as the account date. The account processing unit 8 by account date develops the balance on the 11th, which is the latest account date, as the balance on the 12th, and further adds 50,000. As a result, the balance on the 12th is 70,000. Furthermore, it is assumed that there is cash withdrawal (payment) by ATM on the 10th day. Since the balance on the 10th is 30,000, 25,000 can be withdrawn and the transaction is completed. The balance on the 10th will be 5,000. Since the balance on the 10th has been updated, the account information storage unit 10 by date reflects the withdrawal of 25,000 in the balance on the 11th and 12th. Then, the balance on the 11th becomes -5,000.
[0040]
  Future dateWith the cancellation function 12, the balance on the 11th is negative (less than the possible withdrawal amount)WithdrawalBy processingTransaction amountThe withdrawal process (self-assigned number 001) that has already been established is canceled. With this cancellation, electricity charges will be withdrawnofThe result of the transaction is not established. Since the cancellation amount is 10,000,Add thisThe balance on the 11th was 5,000, and the state of withdrawal due to insufficient balance was resolved. The balance on the 12th will be 55,000.
[0041]
  If the account date is 11 days (the actual account date period depends on the contract) and the repayment date is two months after the contract repayment date, the repayment of the loan will not be possible in 11 days. And may settle on the 12th(Withdrawal processing with recut deadline). For example, in the example shown in FIG. 3, since payment is not possible on the 11th, the loan repayment with the 11th as the account date is not established. In this example, settlement can be made with the account date as 12th, which is within the recut deadline, so account transfer is performed with the account date as 12th. If the loan repayment is executed on the 12th, the repayment interest will be paid on the loan repayment principal. Here, the arrears interest for one day is assumed to be 10 yen. Loan repayment is established, and the balance on the 12th is 14,990.
[0042]
  On the 10th, if there is a deposit by transfer with the 11th as the account date, the balance on the 11th will be 65,000 first. As a result, the loan repayment process established on the 12th as the account date can be settled on the 11th.. in frontThe bankruptcy control function 14 cancels the loan repayment established on the 12th and recuts it as the 11th accounting date. The balance on the 12th will increase once with a 40,010 cancellation. Subsequently, the balance of recutting on the 11th is reflected to be 75,000. By this advance control, it is possible to cancel the transaction on the 12th day when the arrears interest occurs in accordance with the deposit of the previous date. In addition, the deduction of electricity charges with a billing date of 11th was not yet establishedReThe cutting function recuts the electric charge 10,000. This is the final account processing executed on the 10th, and the 11th will be reached as it is. On the 11th, the balance of 11th is accessed 15,000 instead of the balance of 5,000 on the 10th. The balance of 15,000 is due to deposits by transfer, repayment of loans, and deduction of electricity charges.FinishIs the balance. 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.
[0043]
  As shown in FIG. 1 to FIG. 3, transactions of the future date are performed during online processing, balances by account date are held, transactions by ATM etc. are processed based on the balance of the day, transfer, transfer, etc. Account processing for which the details of the transaction are known in advanceTargetBefore the account date(past)ofOn the dayCan be completed. This eliminates batch processing such as transfer and enables continuous operation for 24 hours 365 days. In addition, even when it is not operated 24 hours, batch processing at night or early morning is not necessary, reducing the operational cost of account processing,AndThis eliminates the need for an investment to increase the processing capacity of the CPU in a short time during the night. 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.
[0044]
  FIG. 4 is a block diagram illustrating a configuration example of hardware resources according to the first embodiment. In the example illustrated in FIG. 4, the future date completion processing system includes a communication control device 28, a CPU 20 that performs account processing by online processing and batch processing according to a request command input from the communication control device 28, and the like. 1, a file storage unit 22 that stores the account information 7 and the loan master DB shown in FIG. 1, a program storage unit 23 that stores various programs executed by the CPU, and account processing and various contract registrations by the CPU 20. And the like, a log storage unit 24 that stores the execution results 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 to be sent to a customer.
[0045]
  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.
[0046]
  Deposit money to the CPU 20 from each terminal 33, 34, 37, 38, center 32, 35, 36, etc. via the communication control device 28.requestAnd withdrawalsrequestIs entered. 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 for various networks (ACS for regional banks, BANCS for city banks, MICS for 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).
[0047]
  CPU 20 is a program for the completion of the previous date, such as a command for performing account processing by account date, a command for storing account information by account date, and a command for registering a loan contract in the loan master DB. Is executed as the account processing by account date 8 and the account information storage by date 10 shown in FIG. These programs are stored in the program storage unit 23. In addition, operating systems that perform basic input / output, database management, log recovery, and transaction management(Here it is called transaction management processing)A program group for performing the above is also stored in the program storage unit 23.
[0048]
  Such a future date completion processing program includes a command for operating the CPU (calculation means) 20. For example,Calculation dateAgainstFuture dateRequest withdrawal to the account on the account dateWithdrawal requestWhen the CPU 20 receives (a kind of account processing request),Withdrawal requestAccount information of the target account date and the target account dateMore futureAccount information expansion instructions for each account date for expanding the account information processed in advance for the previous date account date based on the account information 7 stored in the file 6 are provided.
[0049]
  The future date completion processing program further allows withdrawal of balances and the like that can be withdrawn from the account based on the account information by account date developed in the main memory 21 in response to the account information development instruction by account date. The amount is specified and the future date according to the amount available for withdrawalWithdrawal requestThe account processing command according to the account date which processes is provided. And this account processing order by account date isWithdrawal requestIf payment is possible forrearofBalanceIs stored in the file 6 as account information of the account date corresponding to the future date, andWithdrawal requestIf you are unable to settleWithdrawal requestWill be withdrawn on the account date(Unsettled withdrawal process)The account information storage command classified by account date to be stored in the account information is provided.
[0050]
  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 previous date completion processing system, and a command corresponding to each step of the flowchart. The previous date 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 previous date completion 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.
[0051]
  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 by account date storage command may be only a command to deliver account information by account date generated in the main memory 21 to the operating system. As described above, for example, “the name of the area on the main storage to be stored is handed over to the operating system to a recording medium for storing the future date completion processing program and for transferring the program to the user. Only “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.
[0052]
  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.here,The account date of the account processing request to be processed is the target dateCall.The target account date is the same as the calculation dateWithOrCalculation dateIt is a future date after the next business day.
[0053]
  In the example shown in FIG. 3, the normal balance is account information, but in the examples shown in FIGS.is thereDepending on the amount of that time depositOverdraft limitAn example of automatically lending to an account will be described. For accounts with a collateral period, the balance andOverdraft limitIt is determined whether or not the account processing can be settled with the amount that can be withdrawn. .
[0054]
  In the example shown in FIG. 5, when the calculation means 2 receives the account processing request (step S1), first, the target account dateSame dayofBalanceButis thereWhether or not (step S2),When the balance on the same day as the target account date is recorded among the balances recorded in the balance detail information, the balance is specified as the balance of the target account date. On the other hand, the balance is not recorded in the balance details informationIf the target account dateMore recent in the pastBalanceAs the balance of the target account date(Step S3, balance development process). And the balance of the target account date of the account processing requestAnd possible withdrawal amountWhen, Future dated after the target account dateAccount dateBalance and possible withdrawal amountAre expanded in the main memory 21 (step S4, account information expansion step by account date). Next, the target account dateBalanceProcess the account processing request based onRu(Step S5).
  continue,The account information of the target account date is updated (step S6, target account date processing step). That is,The balance after the addition or subtraction is recorded in the balance detail information as the balance of the target account date. Thereby, when the target account date is a future date, the balance of the target account date is recorded in the balance detail information as the balance of the future date.And account information of the target date calculated in the target date processing step(Transaction amount)Based onFuture date after the target account dateThe account information is updated (step S7, account information update process by account date).
  further,When the balance of the previous date is updated by the withdrawal process,Based on the amount available for each account update,Cancel recutWhether or not there is a necessity is determined (step S8). Cancellation of future dateIs reIn the case of cutting, the account processing on the account date is canceled, recut, or advanced. The account process shown in FIG. 3 is performed by these steps.
[0055]
  Further, in steps S7 and S8, based on the account sunrise allowance amount,Withdrawal requestIf payment is possible for theBalance after operationIs stored in the file as account information of the account date corresponding to the future date. on the other hand,Withdrawal requestIf it is not possible to settle with the amount available for sunriseWithdrawal requestWithdraws on the account dateofStore in the account information as a scheduleIn order to make the result of the withdrawal transaction unsuccessful(Account information storage process by account date).
[0056]
  FIG. 6A is a diagram showing the correspondence between the availability of settlement of account processing and the date processing. 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 settlement is possible, advance recut processing to advance the account dateRePerform the cutting process. On the other hand, if settlement is impossible, the previous date is canceled and account processing is not established. Unestablished account processing waits for payment. If payment is not possible until the billing date expires or when a predetermined deposit waiting end time is reached, automatic financing by card loan may be performed. This automatic loan by card loan is different from the automatic loan within the overdraft extreme by collateral period, the account processing for the loan is limited,AndIf there is no payment immediately before the expiration of the account date, the automatic loan is provided.
[0057]
  FIG. 6 (B)Cancel recutFor judgmentDate checkIt is a figure which shows a table. In step S7 shown in FIG. 5, the account information is updated on each account date.FinishThen, as shown in FIG.Date checkA table is generated. In the example shown in FIG. 6B, account processing (withdrawal) that has not been established with the 2nd as the account date.ofAppointment) exists and itsTransaction amountSince it is smaller than the amount that can be withdrawn, it can be recut. Further, since the possible withdrawal amount is negative on the account date on the third day, it is necessary to cancel one or several of the account processes having the account date on the third day. In step S8 of FIG.AgainPerform cut judgment.
[0058]
  FIG. 7 shows an example of an operation started by the process shown in FIG.DisappearcutMaineIt is a flowchart which shows an example of a process. Taken at step S8 in FIG.DisappearcutMaineWhen the process is started, it is shown in FIG. 6 (B) from the account information by account date in step S7.dateA check table is generated (step S11). To account information 7 in file 6Withdrawal processing with unsuccessful transaction resultsIs stored,Withdrawal processing with unsuccessful transaction resultsIncrease the amount available for withdrawal on the account datePayment requestWhen you receiveTransaction amountIt is determined whether there is an account date with a larger possible withdrawal amount (step S12). If there is a corresponding account date,Re-payment processingCut (step S13, AgainCutting process). Next, thisReThe balance of each account date is updated based on the cut result (step S14). And there is a possibility that there are still transactions that can be recut.DisappearcutMaineThe process is started again (step S15).
[0059]
  ReWhen there is no account processing request to be cut, it is shown in FIG.dateWith reference to the check table, the presence / absence of an account date in which the possible withdrawal amount is negative is searched. That is, decrease the possible amount of account sunrise for the previous dateWithdrawal requestIs processedWithdrawal requestProcessingBalance afterOf the previous date byWithdrawal processingIt is determined whether or not settlement becomes impossible (step S16, previous date processing confirmation step). If there is no corresponding account date or account processing that cannot be settled, the processing is completed. On the other hand, if an account process that cannot be settled is found in the previous date process confirmation step S16, the withdrawal process at the found future date is canceled as being impossible to withdraw (step S17, previous date cancellation process step). Then, the withdrawal process canceled in the future date cancellation process is stored in the account information as a withdrawal schedule on the account date (step S18, withdrawal schedule storage process). Next, since the possible withdrawal amount may be negative,Cancel recutLaunch process againAnd withdrawal after canceling the other dayThe process of recording that the withdrawal process has not been completed and the process of canceling the future date are repeated until there is no account date for which the possible amount is negative.
[0060]
  As described above, according to the first embodiment, the account processing for the account date that is the future date is completed in advance, and the future date is canceled according to the account transfer.And againSince cutting is performed, there is no need to perform transfer by batch processing before and after the date change, and continuous online processing can be performed even before and after the date change.
[0061]
Second Embodiment
  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.
[0062]
  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.
[0063]
  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.
[0064]
  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.
[0065]
  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.
[0066]
  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.
[0067]
[ActualExample]
  Hereinafter, the present inventionExamplesThis will be described with reference to the drawings.BookIn the example,First,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 is disclosed. Also, as account information, a transaction details segment indicating the contents of the transaction, and a balanceAnd overdraft limitAn example is disclosed in which account processing is performed using a balance detail segment that holds each account date.
[0068]
  FIG.BookIt is a block diagram which shows the structural example of an Example. 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 future date completion processing system relates to the medium 26 and the customer in relation to external self-vibration.Customer terminal 37. Read external self-vibration source data 101, such as automatic payments for public utility charges, deposits such as salary transfers, etc. from 7, 38, etc., and manage external contracts and self-contract details An external self-vibration data generation unit 100 that adds data stored in the related DB 102 to the external self-vibration original data 101 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.
[0069]
  In addition, the future date completion processing system according to the present embodiment has an internal self-vibration management DB 111 that manages processing by special provisions such as automatic accumulation and loan repayment and processing by due date such as periodic automatic renewal in relation to internal self-vibration. Are provided with internal self-vibration data extraction means 110 for extracting an account processing request having an account date of a future date as a processing target date. The external self-vibration data and the internal self-vibration data are input to the self-vibration input file generation unit 120, respectively.
[0070]
  The future date completion processing system according to the present embodiment further includes a deposit master DB 160 that manages account information that is a target of account processing in each self-vibration data, and various internal master DBs 112 that manage the loan contents and the like. . The various internal master DBs 112 are master DBs that store information related to internal self-vibration processing results such as loan repayment results by account processing, for example.
[0071]
  The deposit master DB 160 is a file 6 having the account information 7 in the embodiment described above.With. This deposit master DB 160File 6 is account information 7In this example,The target account date of the calculated account processing request, the transaction type, and the transaction amount that is the withdrawal amount or the deposit amount are classified by account date that is the transaction date of the account processing request.In the accountEvery reasonTransaction line segment to record in(Transaction details information, (see FIG. 13)) and,As balance details for each accountAccount processingThe balance of the account date and the extreme amount of overdraft,SaideachBalance line segment to be recorded for each account processing account date(Balance detailsInformation (see FIG. 14). 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.
[0072]
  The future date completion processing system according to the present embodiment also edits 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. In addition, a self-vibration input file generation unit 120 is provided that generates a self-vibration input file in which a center cut message including one or more account processing requests is accumulated. The self-vibration input file generation means 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, rearranges messages, etc. Do.
[0073]
  According to this exampleFuture date completion processing systemCalculation 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 as a transaction date of the account processing, and a transaction amount which is a deposit amount or a withdrawal amount140It has. The future date completion processing system according to the present embodiment is a computing means.Center cut message input means 130 for inputting the center cut message generated by the self-vibration input file generation means 120 to 140 is provided.Good.
[0074]
  PerformanceThe calculating means 140 has substantially the same function as the calculating means 2 shown in FIG. In the example shown in FIG., ActingThe calculation means 140 receives the account processing request for the center cut message input from the center cut message input means 130.Balance on the same date as the target account date or in the past (Recorded in the balance line segmentBalance)Account processing unit by account date 150 to be processed on the basis of the processing, and processing processed by the account processing unit 150 by account dateBalance afterProcessed by the account-by-account balance storage unit 142 to be recorded in the balance details segment as the balance details at the account date of the account processing request, and the account-by-account processing unit 150Tradingresult(Account processing request established or not established)The account processing request transactiontypeIn response to the,In the futureTradingAs a result, a processing result storage unit 144 that stores the external self-vibration original data 101 or the various internal masters 112 is provided. The balance storage unit 142 according to account date stores the newly stored balance.High (transaction amount)Based on the balanceAfterThe balance date segment update processing function for updating the balance detail segment of the previous date is provided.
[0075]
  Also, ActingThe calculation means 140 is an account processing request from an ATM or the like.Respond toOnline response processing unit 146 is providedYou may make it.
[0076]
  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 144transactionThe result is updated to external self-vibration original data and various internal masters. The processing result storage unit 144 is stored in the previous date.TradingTo store the result, the account processing is canceledAnd againIf cut, a new oneTradingThe results are sequentially stored in external self-vibration original data and various internal masters. For example, in the case of external self-vibration, it is assumed that a transaction has not yet been established for external self-vibration original data only when processing is impossible.TradingStore the result. In such a configuration, when the account date, which is the previous date, has expired,TradingThe result recording is already complete.
[0077]
  The communication control device 28 and the networks 30 and 31 are the same as those shown in FIG.
[0078]
  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.
[0079]
  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.
[0080]
  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
[0081]
  Special contract management DB for loan repayment, accumulation and automatic regularization serviceFilesInternal self-vibration data is extracted based on the information accumulated in Due date management DB for account processing to automatically continue when the regular period expiresFilesThe internal self-vibration data is extracted based on the information stored in.
[0082]
  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. Account processing request due to such a billing date or a change just before it isFilesRegistered in
[0083]
  In this embodiment, various data and databases are used properly according to the contents of the transaction, but as shown in FIG. 9, after editing these into a certain form of account processing request,Calculation means140 is input.
[0084]
  11 shows the self-vibration input file generation means shown in FIG.Calculation means 140It is a block diagram which shows the detailed structure of these. Self-vibration input file generation means 120Calculation datethanFuture dateA deposit request priority unit 121 for processing a deposit request among a plurality of account processing requests to be processed prior to a withdrawal request.Good.In the example provided with the deposit request processing priority unit 121, in the relationship with the process shown in FIG.DepositRequest saidWithdrawalIncludes a processing order setting process that sets processing to be performed prior to a requestGood.
[0085]
  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.
[0086]
  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, deposit processing request is withdraw processing requestProcess beforeOr some kind of account processingFinishOther types of account processing to be performed later can be input to the center cut message input means 130 in the proper order.
[0087]
  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 reduction due to concentration of access to the deposit master DB in a specific area, or account processing that cannot be withdrawn when the balance is insufficient for several months. Acts so that the type of is not constant.
[0088]
  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, Date and dateMore futureCanceling or recutting the one or more account processes on the assumption that there is no change in the amount that can be withdrawn until the account date for one or more account processesCancel recutA processing function 152 is provided. Thereby, even if the balance is virtually insufficient at the future date, the future date completion process is performed well.
[0089]
  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.
[0090]
  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 future date completion processing system has a predetermined date.AfterOf the account processing requests managed by the recut management DB 112 that manages account processing to be processed and the recut management DB 112TargetAccount processing request whose account date is the current dayTransaction typeAnd a time-dependent process extracting unit 113 for extracting the account processing request extracted after a predetermined time in accordance with the input to the self-vibration input file generating unit 120.May be.
[0091]
  For example, the time-dependent process extraction unit 113 may perform an unestablished account process.is thereIn this case, it is used when an automatic loan using a card loan is performed 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. The recut management DB 112 has the remaining shortage detail segment.,And,A non-payment process for an account for which a non-payment process such as execution of a card loan is set is stored 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.
[0092]
  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.
[0093]
  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, 250,000 withdrawals were made by transfer on the previous date before receiving the non-delivery notice on the 10th.is thereIn this case, the balance is set to 50,000, and it is possible to prevent cancellation or recut processing due to unsettled account processing.
[0094]
  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.
[0095]
  13 and 14 are explanatory diagrams showing examples of transaction detail segments used in the configuration shown in FIG. In the example shown in FIGS. 13 and 14, the deposit master DB 160 (file 6) is used as the account information 7., Mentioned aboveTransaction line segmentAnd the restHigh detail segmentAnd the restAnd a shortage segment. In addition, automatic financing such as collateralOverdraft limitTransaction to calculatetypeAnd a collateral detail segment that records the collateral amount.
[0096]
  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.
[0097]
  The balance line segment isCalculation meansBy 140Same as calculation dateIt is used to determine the balance for each account date of the date or the future date, and process the account processing request.SenseIt is updated every account date accordingly. And depending on whether the future date transaction becomes a balance that cannot be settled after the renewalCalculation means140 is used to determine whether or not to cancel the account processing request for the earlier date 140.
[0098]
  The remaining shortage item segment isCalculation meansAfter the account processing request is executed to increase the account balance at 140Calculation means140 calculation date is recut periodLimitReferenced when the time has not elapsed and the increased balance is greater than the transaction amount in the remaining shortage transaction details dataCalculation means 140Start recut processing by.
[0099]
  If there is transition data of the account by this transaction details, balance details and remaining shortage details,Cancel recutProcessing becomes easy. The account transition data in this data structure is referred to herein as data for completion processing for the previous date.
[0100]
  Referring to FIGS. 13 and 14, the collateral amount carried forward is 50,000 (cell 0J in FIG. 13).Overdraft limitIs 90% of 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.
[0101]
  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, than the amount that can be withdrawnTransaction amountBecause it is large, settlement becomes impossible. Account processing unit 150 by account datesegmentRecord the transaction amount and the recut deadline. 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 amount of collateral has increased, there is an extreme increase (3D),Overdraft limitBecomes 54,000 with 2 days as the accounting date. In this case,Overdraft limitThere is no change.
[0102]
  If there is a deposit of 150,000 on the 1st, the transfer date is 3rd, the loan repayment can be settled on the 3rdReCut (5C). Next, assume that there is a cash withdrawal 70,000 by ATM. Since the possible amount of money per day is 95,000, account processing is established, and the daily balance is minus 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.
[0103]
  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.Advance recut is the amount that can be withdrawn on the withdrawal date on the date (2 days) closer to the first day of the account date than the specified account date (3 days).Withdrawal processing with recut deadlineTransaction amountAnd the result of the comparisonTransaction amountIs settled within the amount that can be withdrawn on the date close to the first day of the account date (2 days), the withdrawal process is executed with the date close to the first day of the account date (2 days) as the new target account date. To do.
[0104]
  In this state, all account processing with 1 day as the calculation dateCompleteAnd it ’s two days. 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.
[0105]
  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. Reflecting the balance of 2 days on 3rd, the possible withdrawal amount is -4,000 (12S)(As shown in FIG. 22, the amount necessary for cancellation becomes 4,000). 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).
[0106]
  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.
[0107]
  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 or being contacted by the accounting information service of farm banking (FB).
[0108]
  Next, in this exampleA technique for parallel processing online account processing and self-propagation account processing using an opcode table will be described.
[0109]
  FIG.Is realIt is a block diagram which shows the structural example of the future date completion processing system by an Example. In the example shown in FIG. 15, the future date completion processing system 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, andtypeA self-exciting input file generating means 120 for generating self-exciting input data including an operation code according to the account processing request;CD / ATMRespond to account processing requests with 33 terminalsCalculation means140 and thisCalculation meansCenter cut message input means 130 for inputting self-vibration input data generated by the self-vibration input file generation means 120 to 140 is provided.
[0110]
  The future date completion processing system according to the present embodiment further includes a program storage means 170 that stores a plurality of subprogram data for processing all or part of an online account processing request and an account processing request based on self-vibration data, and the account processing The name of the subprogram used when executing the request and the execution order of the subprogram areTransaction typeAnd an operation code table storage unit 171 storing operation code tables stored for each operation code.
  The opcode is a numeric string, for example, for depositing ordinary deposits or canceling periodic deposits.Transaction typeIs a code representing In this embodiment, the combination of this opcode, account date, and transaction amount is an account processing request.That is, the account processing request has an operation code that specifies the transaction type of the account processing.
[0111]
  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.
[0112]
  Further, program storage means 170 isLaunched during execution of the subprogramThisTo generate an account state on the account date which is the future date when it is assumed that there is no account processing for the account after the account processingTo the previous dateIdentify the account process to be erased or recutDisappearCut mainFor processingI remember the program.
[0113]
  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 canceled.MiariOf standingNotProcess. 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 other words, business processing on the startup side of account processing such as external self-directing (account transfer) and loan repayment is set as startup processing, and business processing on the passive side that manages balance detail segments and the like is set as passive processing.
  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.That is, the business-specific operation code table stores the relationship between the operation code that specifies the transaction type of account processing, the name of the subprogram used for the processing of the account processing specified by the operation code, and the execution order.
[0114]
  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 you add 500 to cancel, the savings code opcode is 01001is thereIn this case, the cancellation opcode for withdrawal from the ordinary deposit is 01501.
[0115]
  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 processing due to some trouble is input as the center batch processing, by referring to the operation environment specification of this opcode table,Calculation means140 can output an error.
[0116]
  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. Account date and account dateThe balance of future future dates is stored in main memory.The processing to be expanded is common processing for 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.
[0117]
  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 or re-cut when there is a change in the balance of deposits, etc.Other"Derived" is started as a transaction.
[0118]
  SaidCalculation means140 is a function for specifying the operation code table based on the operation code of the account processing request when the account processing request is input, and the subprogram as a single transaction in the order specified in the specified operation code table. Function to perform(Transaction management processing)And. 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,Transaction management processingThe subprograms 10, 11, and 12 are executed as one transaction in this order.
  In this way, the operation-specific opcode table is divided into the activation process that is the activation side of the account process and the passive process that is the passive side of the account process and manages the balance details segment, and processes the account process request. The subprogram name to be used and the execution order are stored for each transaction activation mode.
[0119]
  In this embodiment, two types of transaction starting methods are used properly. One is linked transactions (Coordinated transactions,A chain transaction), and another is a derivative transaction (unchained transaction). Linked transactions are, for example, when performing withdrawals from a savings account and depositing into a savings account in order to perform automatic recurring, a transaction for withdrawing from a savings account and a transaction for depositing into a savings account. As a single transactionmanagementIt is a technique to do. In other words, linked transactions(Linked transaction)Is one transaction. Linked transactions generally have a limited number of links.is thereIn addition,OneNumber of transactions that should be linked in order to be executed as a transaction(Number of transactions included in a linked transaction)If there are many, online trading(Online account processing)The response time cannot be set within a certain time.
[0120]
  Derived transaction is one transactionFinishAnd what is that transaction?DifferentIt is a derivative of other transactions.
  As described above, the calculation unit 140 manages, as the transaction activation mode, the linked transaction that links the activation process and the passive process as one transaction and the derived transaction.
  Derived transactions (unchained transactions, Derived transactions) Is difficult to handle, but according to the present embodiment, it is several hundred for one deposit process.ReIt can also be assumed that cut processing will be performed, and if the number of account processing for the same account becomes large in this way, cancellation of the previous date with linked transactionsAgainThere are limits to processing cuts.
[0121]
  For this reason, in the example shown in FIG.Calculation means140As transaction management processing,A function that executes other subprograms instructed by the subprogram as the same or other transactions in parallel with the execution of the subprogram of each transaction(Management process)And the success of a single transaction identified in the opcode tableFinishLater in the subprogram(Start-up instruction)According to the aboveDisappearCut mainFor processingprogramThe otherTo be executed as a transaction(Management process)And.
[0122]
  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 ATM, re-cutting of the transaction of the previous date and controlling the advance are the derivative transactions(Derived To Transaction)To do. When there is a deposit from ATM, the subprogram group for deposit processing operates as one transaction, and finally cancels and recuts mainFor processingStart the program 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 this balance printing, etc.processingIs executed as a derived subprogram. By depositReWhen an account process to be cut is found(FIG. 19 Step A18)Derivative transactions, that account processing recut processing again(Derived transaction)Start as. The recut processFinishThen, in order to check whether there is any other account processing that can be recut, in addition to cancel recut mainprocessingIs launched as a derivative transaction. Cancel recut mainprocessingIs activated by derivation repeatedly until there is no account processing to be canceled or recutable account processing.
  If there is a change in account balance,Cancel againCut mainFor processingAccount processing by running the programLaterIt is possible to arrange and complete the account processing of the previous date when it is assumed that there is no account processing.
[0123]
  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. Startup processCalculation meansWhen executed at 140, the corresponding passive process is started in conjunction with the execution. 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 passive processing,DisappearCut MayProcessingIs activated by derivation. TakeDisappearCut MayProcessingSearches for account processing to be canceled or account processing to be recut. The account process to be searched is an activation process. TakeDisappearCut MayProcessingDerived cancellation of fixed deposit, for exampletransactionStart with. This fixed deposit is activated in conjunction with the corresponding passive process. And passive processing isDisappearCut MayProcessingStart with derivation.
[0124]
  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). The balance statement for the account processing requestis there(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.
[0125]
  FIG. 19 is a flowchart illustrating an example of a normal deposit process. First, from a branch terminal, ATM, or a transaction to make a transfer,Payment requestIs received (step A11). Then thisPayment request, The presence / absence or status of the account to be deposited (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). Balance line update successfullyFinishThen, the transaction log of payment 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 are unsettled transactions,Cancel recutMaineprocessingIs activated as a derivative transaction (step A19).Cancel recutMaineprocessingProcessingFinishWithout waiting for normal deposit processingFinishTo do.
  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.
[0126]
  FIG. 20 is a flowchart illustrating an example of a normal withdrawal process. From ATMs or account processing requests to transfer fundsWithdrawal requestIs received (step A20), the format and account are checked (step A21). If the account is in a transaction stop, etc., error processing is performed accordingly (step A22). If the format etc. is normal, calculate the possible withdrawal amount from the balance statement of the account processing request,Transaction amountAnd the possible withdrawal amount are compared (step A23).Transaction amountOn the other hand, if the possible withdrawal amount is insufficient, 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.
[0127]
  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,DisappearCut MayProcessingAs a derivative transaction (step A30)DisappearCut MayProcessingOf processingFinishNormal withdrawal process without waitingFinishTo do. On the other hand, even if there is no negative withdrawal possible amount,FinishTo do.
[0128]
  FIG.RealTake in the exampleDisappearCut MayProcessingIt is a flowchart which shows an example. The action shown in FIG.DisappearCut MayProcessingThen, by repeatedly performing the process shown in FIG. 21, the account process is surely canceled or recut regardless of the combination of transactions. thisCancel recutMaineFor processingThe program has the following instructions:
[0129]
  When the balance is updated by a new withdrawal process, the cancel / recut main process is activated for the previous date when the balance is updated (step A30 in FIG. 20, steps E2 and E4 in FIG. 23).When activatedBalance statement information (balance and overdraft limit)Date check table creation command (step B2) for calculating the possible withdrawal amount for each account date based on the above.That is, the date check table creation command causes the calculation means 140 to calculate the balance for each account date (the amount that can be withdrawn) of the balance detail information updated by the other transaction, thereby generating a date check table.
  Required cancellation amount for each account date based on the date check table created by the date check table creation command(As shown in FIG. 22, when the possible withdrawal amount is negative, the absolute value)Cancellation required amount calculation command (step B3).
  The date check table is, for example, a table shown in FIG.
[0130]
  First day of account dateIn the futureIf there is account processing settled within the recut deadline,With recut deadlineAccount processingFuture dateStart cancellation process (step C1)AndConcernedFuture dateCancellation processingFinishLaterDisappearCut mainprocessingStart againLetForward cancellation command (steps B4, B5).
[0131]
  TakeDisappearCut mainprocessingWill start againFuture dateAs a return instruction when cancellation processing is invoked as a derivativeFuture dateYou may make it describe in the subprogram which comprises cancellation processing. By repeating these steps B1, B2, B3, B5, and C1, all account processing that should be advanced once is short and short.segmentStored in Thereby, the settlement on the earlier account date is achieved by the latter half of the processing (C3 etc.). Once the remaining shortage item was set, but the same account dateAgainIt is often cut, but there are some that reprocess by referring to some data at the time of account processing,Overdraft limitBecause changes occur,Cancel recutMaineprocessingThen, for the time being, the first day of the account dateMore futureCancel all account processing settled within the recut deadline.
[0132]
  Cancel recutMaineFor processingThe program is when the cancellation process is not triggered by the advance cancellation command,And,When the necessary amount for cancellation is stored on the date check table(If the possible withdrawal amount is negative)In addition, a cancellation target specifying command (steps B6 and B7) for specifying an account process, which is an account sunrise transaction in which the necessary cancellation amount is stored, as a cancellation target is provided.
  That is, the cancellation target specifying command first causes the calculation means 140 to determine whether or not there is a future date in which the balance (withdrawable amount) is negative in the date check table (step B6 in FIG. 21). Next, the cancellation target specifying command causes the calculating means 140 to specify the withdrawal process that was established on the previous date (step B7 in FIG. 21). Furthermore, the cancellation target specifying command instructs the calculation means 140 to start the previous date cancellation processing for the withdrawal process (step B8 in FIG. 21 and steps E5 and E7 in FIG. 23). Then, the transaction management process of the computing means 140 starts the withdrawal date cancellation process (steps D3 and E8 in FIG. 23) of the withdrawal process as a derived transaction (step B8 in FIG. 21).
  Then, after the start instruction for the cancellation process for the previous date, the derived transaction of the cancellation / recut main process is terminated (step E6 in FIG. 23).
  The computing means 140 executes a future date cancellation process (step C2 in FIG. 21, steps E8, D3 and D4 in FIG. 23).
[0133]
  Also,Cancel recutMaineFor processingThe program starts the cancellation process C2 of the account process specified according to the cancellation target cancellation command, and also executes the cancellation process.FinishlaterCancel recutMaineprocessingStart againLetCancel processing start command (step B8).
  This step B1, B2, B3, B4, B6, B7, B8, C2(Balance)Repeated until is positive(FIG. 23 steps E13 and E15). If the possible withdrawal amount is positive, perform the necessary cancellation for other account dates and execute step B9 to check whether there are any other account dates that can be recut.The
[0134]
  Cancel recutMaineFor processingThe program also has the following instructions:
  When the cancellation target is not specified by the cancellation target specifying command B7, that is, the minus of the withdrawal possible amount is not present for all the account dates.Noin case of,Transaction resultIs not established or canceledThe result of the transaction isA settlement enable / disable determination command B9 for generating a list of account processes that have not been established and for sequentially specifying account processes that can be settled from the earliest account date.That is, the settlement determination command is a withdrawal process in which there is no future date in which the balance has become negative in the date check table, and the result of the transaction is unsuccessful on the same date or a future date as the account date on which the balance has been updated. When there is an account, the calculation means 140 is made to identify the account process that has not yet been settled from the earliest account date.
[0135]
  When there is an account process that is determined to be settled according to the settlement permission determination command B9, the recut process is started for the account process and the recut process is performed.FinishLater, activate the settlement allowance judgment commandLetRecut processing start command B10.That is, the recut process activation command instructs the calculation means 140 to activate the recut process targeted for the withdrawal process specified by the process according to the settlement possibility determination command (step B10 in FIG. 21). Steps E5, E7, D5 in FIG. 23). Then, the transaction management process of the calculation means 140 instructed to start starts the re-cut process (steps E8 and D6 in FIG. 23) of the withdrawal process as a derived transaction (step B10 in FIG. 21).
  Then, after the recut process activation instruction, the derived transaction of the cancel / recut main process is terminated (step E6 in FIG. 23).
  The computing means 140 executes the recut process (step C3 in FIG. 21, steps D6 and D7 in FIG. 23).
  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, by deposit processingCancel recutMaineprocessingIs activated, if there is a remaining shortage in spite of not being established in step A18 in FIG. 19, it is determined in step B4 in FIG. 21 whether the account processing is likely to be advanced. If it can be moved forward, 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).
[0136]
  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.That is, when it is determined that there is no incomplete account process that can be settled by the process according to the settlement permission / inhibition instruction, the process completion instruction B11 ends the derivative transaction of the cancellation / recut main process, and Complete account processing for all future dates by the cut main process.
[0137]
  The recut process shown in FIG.Calculation means 140It is a function. That is, in one embodiment,Calculation means 140Process the account balance increase request for increasing the balance of the account to be processed as the account processing request and the account date of the account balance increase request according to the processing resultMore futureAccount processing unit that updates the balance line segment defined by the account date and the recut deadline has not been exceeded after the account balance increase request is executed,And,The remaining shortage and shortage details read unit that reads the remaining shortage and shortage details segment that has not been completed, and the remaining shortage and shortage details read by the remaining shortage and shortage details reading unit based on the balance details segment by account date updated by the account processing A recut enable / disable determining unit that determines whether or not the detail data can be recut; and a recut processing unit that reprocesses the remaining shortage transaction detail data determined to be recut by the recut enable / disable determining unit; It is good to have.
[0138]
  FIG. 23 illustrates passive processing, passive processing, andCancel recutMaineFor processingIt is explanatory drawing which shows the structural example of a program.The computing means 140 executes the account processing, transaction management processing, cancellation / recut main processing, future date cancellation processing, and recut processing. In the example shown in FIG. 23, the account process is executed as a linked transaction between the activation process and the passive process, that is, as one transaction.
  First,Calculation means140 Passive processing of opcode xx1(E1)Is executed. In this passive process, the balance of the account is changed.DisappearCut mainprocessingDerivedtransactionIt starts as E3 (E2). TakeDisappearCut mainprocessing(E4)Identifies the object to be canceled or recut according to the process shown in FIG. 21, and derives the activation process (opcode xx2) for the object to be canceled or recut.transactionStart withInstructions (E7)(E6). DerivedAs a transactionThe startup process started is16 andAs shown in FIG.By businessThe activation process is performed according to the program list by the derived (E) in the opcode table. 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 withdrawals and withdrawals of ordinary deposits, etc.DisappearCut mainprocessingTheAs a derived transactionStart-upInstructions(E13). That is, the passive process E12 performs the same operation as the passive process E1. Passive processing(E12)DerivedofStart-upInstructions (E13)After that, the process returns to the interlocking process (E14).With this return (E14), the activation process and the passive process are executed as one transaction.
[0139]
  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). Derivation of E15Cancel recut indicated to start as a transactionMain placeReasonThis start process is the start of execution(E8)Derived to be after the end oftransactionIt is good to manage.
[0140]
  This passive processing, startup processing andDisappearCut mainProcessing andThe relationship will be specifically described. It is assumed that the withdrawal of the ordinary deposit indicated by the symbol D1 is performed on the previous date. Derived due to changes in balancetransaction(E3AsTakeDisappearCut mainprocessingIs activated. Savings withdrawal(D1)Is taken by this derivationDisappearCut mainprocessingBehaviorFinishProcess without waitingFinishTo do. Meanwhile, derivationLaunch as a transactionTakenDisappearCut mainprocessingSavings and withdrawal processing(D1)Starts executing after successfully completing. Here, due to withdrawal of savings account, there is a shortage on the account date of the future date(Payable amount is negative)Therefore, it is assumed that the periodic deposit that has already been established is to be canceled (D2, B7 in the example shown in FIG. 21). In this case, derivedStartup instructions (E7)Then, the periodic deposit cancellation which is the activation process is activated (B8). During withdrawal processing of regular deposits, linked withdrawal processing (passive processing) of the corresponding ordinary deposit is linked(E11)Ask at. Withdrawal from ordinary deposits, which is a passive process, requires withdrawal of ordinary deposits equal to the amount of periodic deposit withdrawals.By reducingCancel (D4). This cancellation process(D4)Is accompanied by account transfer,DisappearCut mainprocessingTheDerived transactions (E15)ageStarting onInstructionsTo do. When the withdrawal of savings deposit and the cancellation of periodic deposit are committed, the linked transaction isFinishTo do.
[0141]
  As a result of canceling a transaction, it may be possible to recut other transactions that have not been completed. For example, as a result of canceling 30,000 periodic deposits with 5,000 remaining shortages,The result of the transaction is10,000 unpaid utility bill transfers can be recut(Payable)It may become. Of the unsettled transactions in step D5ReSuppose you find a transaction that can be cut (transferred). Similarly, derivedStartup instructions (E7)To activate external self-vibration(D6)Asks for ordinary deposits and withdrawals to perform linked transactions. Savings withdrawal(D7)The balance will change due toDisappearCut mainprocessingTheAs a derived transactionStart (D8). If there is no cancellation target and no recutting target, the withdrawal of the future date transaction started by the savings withdrawal D1 here.DisappearCut mainProcessing (account processing of future date)Is completed.
  Referring to FIGS. 23, 16 and 17 again, the calculation means 140 refers to the operation-specific operation code table from the operation code of the account processing request as the account processing by one transaction for processing the account processing request. BusinessAnotherThe subprogram of the activation process (E8) specified in the opcode table and the subprogram of the passive process (E12) corresponding to the activation process are executed by the linked transaction (E11, E14).
  Then, after the account processing by the one transaction (E11, E14) is terminated (E10) by the linked transaction, the cancellation / recut main processing (E4) by the derived transaction is executed.
  After the cancellation / recut main processing (E4) is terminated (E6) in the derived transaction, the future date cancellation processing (D3) or recut processing (D6) is executed by another derived transaction.
[0142]
  in this wayBookIn the example, linked transactions(Linked transaction)And derivative transactions(Derived transaction)By properly using the above, it is possible to process the completion process for the previous date in parallel with the online process without causing a delay in the account process by other online processes. 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.
[0143]
  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.
[0144]
【The invention's effect】
  Since the present invention is configured and functions as described above, according to this,Use balance by date In order to execute account processing at the future date,In parallel with online processing such as deposits and withdrawals using terminals such as ATMs, various such as account transfers and interest depositsAccount processingThe request can be processed.
  The present invention further provides:Derived transactions are used to adjust the establishment and non-establishment of the account processing of the future date according to the latest balance and the balance of the future date. By using derivative transactions, online responses such as ATMs can be completed immediately.Immediately after that, the balance is adjusted as another transaction.Therefore, the commitment of online processing (account processing) such as ATM can be made independent of the adjustment of account processing of the previous date. Thus, in the present invention, it is possible to process the account processing of the previous date during the day without deteriorating the online response.An unprecedented superior date completion processing system and method can be provided.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a first embodiment of the present invention.
2 is an explanatory diagram showing an example of processing in the configuration shown in FIG. 1, FIG. 2 (A) is a diagram showing an example of a withdrawal process, and FIG. 2 (B) is a diagram showing an example of a deposit process. FIG. 2C is a diagram showing an example of processing in the previous time.
FIG. 3 is an explanatory diagram showing an example of transition of account information in the configuration shown in FIG. 1;
FIG. 4 is a block diagram illustrating a configuration example of hardware resources according to the present embodiment.
5 is a flowchart showing an example of account processing in the configuration shown in FIGS. 1 and 4. FIG.
FIG. 6 is an explanatory diagram showing the relationship between balance transfer due to account processing and future date processing in the present embodiment, and FIG. 6A is a diagram showing the correspondence between whether or not settlement is possible and future date processing; (B)Cancel recutIt is a figure which shows the table for determination.
7 is activated by the process shown in FIG.Cancel recutIt is a flowchart which shows an example of a process.
FIG. 8 is a block diagram showing a configuration example of a second embodiment of the present invention.
FIG. 9BookIt is a block diagram which shows the structural example of an Example.
10 is an explanatory diagram showing types of databases used in the configuration shown in FIG. 9. FIG.
FIG. 11 shows in FIG.Calculation meansIt is a block diagram which shows detailed structures, such as.
12 is an explanatory diagram showing an example of processing using a recut management DB. FIG. 12 (A) is a diagram showing a portion added to the configuration shown in FIG. 9, and FIG. It is a figure which shows the process example when there exists.
13 is an explanatory diagram showing an example of a transaction detail segment used in the configuration shown in FIG. 9;
14 is an explanatory diagram showing an example of a balance detail segment corresponding to the transaction detail segment shown in FIG.
FIG. 15BookIt is a block diagram which shows the structural example of an Example.
FIG. 16BookIt is explanatory drawing which shows an example of the opcode table used in an Example.
FIG. 17 is an explanatory diagram showing an example of the ordinary deposit opcode table shown in FIG. 16;
FIG. 18BookIt is a flowchart which shows an example of the balance details update process in an Example.
FIG. 19BookIt is a flowchart which shows an example of the normal payment process in an Example.
FIG. 20BookIt is a flowchart which shows an example of the normal payment process in an Example.
FIG. 21BookIn the exampleCancel recutIt is a flowchart which shows an example of a main process.
22 is an explanatory diagram showing an example of a date check table used in the processing shown in FIG.
FIG. 23BookIt is a flowchart which shows an example of the time deposit receipt cancellation process in an Example.
FIG. 24BookIt is explanatory drawing which shows the example of a 1-day program execution by an Example.
[Explanation of symbols]
  2140  Calculation means
  6 files
  7 Account information
  E7, E15  Derived transaction start instruction

Claims (4)

A 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 as a transaction date of the account processing, and a transaction amount which is a deposit amount or a withdrawal amount; A file that records the result of the account process, which is a withdrawal process or a deposit process calculated by the computing means, as account information;
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 file is the account information,
Transaction details information that records the calculated account date, transaction type, and transaction amount for each account process by account date that is the transaction date of the account process request;
Balance details by account date for recording the balance of the account date for which account processing was performed for each account for each account date;
A transaction result for storing that the withdrawal process is not established when the transaction amount is larger than the balance of the target account date in the withdrawal process with the target account date as the previous date and cannot be settled. ,
For the account for calculating the account processing request, the balance statement information has a balance of the future date in the future from the calculation date, separately from the balance of the calculation date,
The computing means executes the account processing, transaction management processing, and future date cancellation processing and recut processing that are account processing of the previous date,
The calculation means includes the transaction management process for managing the start of a transaction.
Management to process the account processing request in one transaction;
Management of deriving another transaction during the execution of the one transaction and processing the account of a predetermined future date in the derived transaction;
During the execution of the derived transaction, until the account processing of the future date disappears, other transactions are repeatedly derived, and the management of the account processing of all the future dates in the derived transaction is performed,
The calculation means, as the account processing by one transaction for processing the account processing request,
Among the balances recorded in the balance detail information, when a balance on the same day as the target account date is recorded, the balance is specified as the balance of the target account date, and the balance on the same day as the target account date is recorded. If not, the balance closest to the target account date is specified as the balance of the target account date,
Adding or subtracting the balance of the specified target account date and the transaction amount;
The transaction type and transaction amount of the calculated account processing request are recorded in the transaction details information with the target account date being the transaction date of the account processing request as the account date,
Record or update the balance after processing by adding and subtracting the transaction amount and the specified balance as the balance of the target account date in the balance statement information,
Among the account dates of the future dates recorded in the balance statement information, when there is a balance of the future date that is in the future from the target account date, by adding or subtracting the balance of the future date and the transaction amount , Update the balance of the future date,
The computing means, after ending account processing by the one transaction, as the account processing of the future date by repeating the derived transaction,
After recording or updating balances by account date,
When there is a future date when the balance has increased, the withdrawal process in which the result of the transaction is not completed is read, and the balance corresponding to the read target date of the unsettled withdrawal process is compared with the transaction amount. As a result of the comparison, if the transaction amount can be settled below the balance, the re-cut process is executed in a derived transaction by re-executing the account process of the unsettled withdrawal process. Run,
On the other hand, when there is a future date when the balance becomes negative with respect to the future date when the balance is updated, a withdrawal process with the target date as the future date when the balance becomes negative is determined from the transaction details information. Read, record in the transaction result that it has not been established for the withdrawal process, and add the transaction amount of the withdrawal process that has not been established to the balance of the target account date, The future date completion processing system is characterized in that the future date cancellation is executed in a derived transaction by updating the balance of the future date. A 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 as a transaction date of the account processing, and a transaction amount which is a deposit amount or a withdrawal amount; A file that records the result of the account process, which is a withdrawal process or a deposit process calculated by the computing means, as account information;
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 file is the account information,
Transaction details information that records the calculated account date, transaction type, and transaction amount for each account process by account date that is the transaction date of the account process request;
Balance details by account date for recording the balance of the account date for which account processing was performed for each account for each account date;
A transaction result for storing that the withdrawal process is not established when the transaction amount is larger than the balance of the target account date in the withdrawal process with the target account date as the previous date and cannot be settled. ,
For the account for calculating the account processing request, the balance statement information has a balance of the future date in the future from the calculation date, separately from the balance of the calculation date,
The calculation means executes the account processing, transaction management processing, cancellation / recut main processing, future date cancellation processing, and recut processing,
When the calculation means receives the activation instruction of the derived transaction from the transaction being executed as the transaction management process for managing the activation of the transaction, the calculation means starts the derivative transaction, and after the end of the transaction being executed, Perform management processing to execute the derived transaction,
The calculation means is the account processing by one transaction,
Among the balances recorded in the balance detail information, if a balance on the same day as the target account date is recorded, the balance is specified as the balance of the target account date, and the balance on the same day as the target account date is recorded If not, the balance closest to the target account date is specified as the balance of the target account date,
Adding or subtracting the balance of the specified target account date and the transaction amount;
The transaction type and transaction amount of the calculated account processing request are recorded in the transaction details information with the target account date being the transaction date of the account processing request as the account date,
Record or update the balance after processing by adding and subtracting the transaction amount and the specified balance as the balance of the target account date in the balance statement information,
Among the account dates of the future dates recorded in the balance statement information, when there is a balance of the future date that is in the future from the target account date, by adding or subtracting the balance of the future date and the transaction amount, Update the balance of the future date,
After the recording or updating of the balance, when there is a withdrawal process in which the balance is negative or the transaction result is not yet established, the cancellation management recut main process is instructed to start the transaction management process. End transaction processing, one transaction ,
The calculation means, as the cancellation recut main process by the derived transaction,
When there is a future date when the balance becomes negative with respect to the updated date of the balance, the transaction management process is instructed to start the withdrawal process of the withdrawal date that was established on the future date. Terminate the derived transaction,
If there is no withdrawal date for which the result of the transaction is unsuccessful for the same date as the account date when the balance is updated or the future date when there is no future date when the balance becomes negative, the unsettled withdrawal process Instructing the transaction management process to start the recut process of ending the derived transaction ,
It said calculating means as the destination date cancellation processing by the derivation transaction of the dispensing processing start instruction by said cancel recut main processing,
Records that are not met with respect to the start instruction has been the dispensing process to the result of the transaction, the transaction amount of the payment processing with the not met by adding to the balance of the target account date, the Update the balance of the previous date, instruct the transaction management process to start the cancellation recut main process, and terminate the derived transaction,
The calculating means, as the re-cut processing by the derivation transaction of the dispensing processing start instruction by said cancel recut main processing,
Rerun the dispensing process is the activation instruction, and ends the derived transaction start instructing the cancellation recut main process in the transaction management process,
The cancellation / recut main process is the same or the same date as the account date when the balance has been updated, and there is no previous date when the balance becomes negative every time it is instructed by the previous date cancellation process or the recut process . When the result of the transaction is unsatisfied and there is no withdrawal process that can be settled, the derived transaction is terminated, while the start instruction of the previous date cancellation process or the recut process is repeated. in, completion processing system dated, characterized by control and the cancel recut main processing, and the destination date cancellation processing, the Shi repeat between said re-cut processing. An operation-specific operation code table for storing a relationship between an operation code for specifying the transaction type of the account processing and a subprogram name and execution order used for the processing of the account processing specified by the operation code;
The account processing request has an operation code that specifies a transaction type of the account processing,
The business-specific operation code table is divided into an activation process that is an activation side of account processing and a passive process that is a passive side of account processing and manages balance details segments, etc. Store the name of subprogram to be used and the execution order for each startup mode,
The computing means manages, as a transaction activation mode, a linked transaction that links a startup process and a passive process as one transaction, and the derived transaction,
The calculation means is
Corresponding to the activation processing subprogram specified in the operation code table by referring to the operation-specific operation code table from the operation code of the account processing request as account processing by one transaction for processing the account processing request Execute the passive processing subprogram with the linked transaction,
After the account processing by the one transaction is terminated in the linked transaction, the cancel / recut main processing by the derived transaction is executed ,
3. The future date completion processing system according to claim 2, wherein after the cancellation / recut main processing is terminated by a derived transaction, the future date cancellation processing or recut processing is executed by another derived transaction. A 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 as a transaction date of the account processing, and a transaction amount which is a deposit amount or a withdrawal amount; A file that records the result of the account process, which is a withdrawal process or a deposit process calculated by the computing means, as account information;
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 file is the account information,
Transaction details information that records the calculated account date, transaction type, and transaction amount for each account process by account date that is the transaction date of the account process request;
Balance details by account date for recording the balance of the account date for which account processing was performed for each account for each account date;
A transaction result that records that the withdrawal process is unsuccessful when the transaction amount is larger than the balance of the target account date in the withdrawal process with the target account date as the previous date and cannot be settled. ,
For the account for calculating the account processing request, the balance statement information has a balance of the future date in the future from the calculation date, separately from the balance of the calculation date,
The calculation means executes the account processing, transaction management processing, cancellation / recut main processing, future date cancellation processing, and recut processing,
When the calculation means receives the activation instruction of the derived transaction from the transaction being executed as the transaction management process for managing the activation of the transaction, the calculation means starts the derivative transaction, and after the end of the transaction being executed, Perform management processing to execute the derived transaction,
The calculation means is the account processing by one transaction,
Among the balances recorded in the balance detail information, if a balance on the same day as the target account date is recorded, the balance is specified as the balance of the target account date, and the balance on the same day as the target account date is recorded If not, the balance closest to the target account date is specified as the balance of the target account date,
Adding or subtracting the balance of the specified target account date and the transaction amount;
The transaction type and transaction amount of the calculated account processing request are recorded in the transaction details information with the target account date being the transaction date of the account processing request as the account date,
Record or update the balance after processing by adding and subtracting the transaction amount and the specified balance as the balance of the target account date in the balance statement information,
Among the account dates of the future dates recorded in the balance statement information, when there is a balance of the future date that is in the future from the target account date, by adding or subtracting the balance of the future date and the transaction amount, Update the balance of the future date,
After the recording or updating of the balance, when there is a withdrawal process in which the balance is negative or the transaction result is not yet established, the cancellation management recut main process is instructed to start the transaction management process. End transaction processing, one transaction,
The calculation means, as the cancellation recut main process by the derived transaction,
When there is a future date when the balance becomes negative with respect to the updated date of the balance, the transaction management process is instructed to start the withdrawal process of the withdrawal date that was established on the future date. Terminate the derived transaction,
If there is no withdrawal date for which the result of the transaction is unsuccessful for the same date as the account date when the balance is updated or the future date when there is no future date when the balance becomes negative, the unsettled withdrawal process Instructing the transaction management process to start the recut process of ending the derived transaction,
It said calculating means as the destination date cancellation processing by the derivation transaction of the dispensing processing start instruction by said cancel recut main processing,
Wherein the relative activation indicated the dispensing process is not met and recorded on a result of the transaction, the transaction amount of the payment processing with the not met by adding to the balance of the target account date, the Update the balance of the previous date, instruct the transaction management process to start the cancellation recut main process, and terminate the derived transaction,
The calculating means, as the re-cut processing by the derivation transaction of the dispensing processing start instruction by said cancel recut main processing,
The activation indicated rerun the dispensing process, and ends the derived transaction start instructing the cancellation recut main process in the transaction management process,
The calculation means repeats the cancellation / recut main processing, the future date cancellation processing, and the recut processing by the cancellation / recut main processing.
Using the computing means of the future date completion processing system,
A computer-readable recording medium storing a program for cancel / recut main processing for executing the cancel / recut main processing,
The cancel / recut main process is
In response to an activation instruction output from a transaction that executes the account process, the future date cancellation process, or the recut process, the transaction management process updates the transaction when updated for the first time or repeatedly. A date check table creation process for generating a date check table by calculating a balance for each account date of the balance details information;
When the balance on the date the check table there is a postdated became negative, the destination date cancellation processing of the dispensing process, which has been established in the earlier date shows start finger in the transaction management process, after the start-up instruction a cancellation target specifying process you exit the derived transaction of the revocation recut main processing,
When there is no withdrawal date in which the balance has become negative in the date check table, and there is a withdrawal process in which the result of the transaction has not been completed on the same date or the future date of the balance update, If the balance corresponding to the target date of the withdrawal process is compared with the transaction amount of the withdrawal process from the account date of the transaction, and the comparison result shows that the transaction amount can be settled below the balance , A settlement possibility determination process that identifies the unsettled account process that can be settled as a recut target,
The re-cutting operation of dispensing process specified in accordance with the settlement determination processing is instructed to the transaction management process, after the start-up instruction, re-cutting operation starts you exit the derived transaction of the revocation recut main processing Processing ,
When it is determined that there is no account processing settlement can not met by the settlement determination process, the Rukoto to end the derived transaction of the revocation recut main process, all previously by the revocation recut main processing and end processing for Ru to complete the account processing of the date,
Computer readable recording medium recording a cancellation recut main processing program, characterized in that to execute the arithmetic means.

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