JP4030950B2 - Excess amount management apparatus, method and program thereof - Google Patents

Description

The present invention relates to an excess amount management apparatus and a method for a destination excess for a financial institution having a limit on an excess amount which is a difference between a remittance amount and a deposit amount.

Due to the development of information and communication technology, the transaction volume of electronic funds transactions between financial institutions has increased rapidly, but the environment surrounding financial institutions has become increasingly severe with the recent development of financial liberalization and internationalization. ing. Along with this, the risk in terms of funds settlement inherent in the settlement system has become so large that it cannot be ignored from the viewpoint of maintaining the stability of the entire financial system as well as the settlement system. Therefore, in the national bank data communication system (hereinafter abbreviated as the Zengin System), as a system to reduce risk, an excess amount of money (remittance amount (= withdrawal amount)-deposit amount) was set for each member bank. Introduces an excess amount management system that manages the amount not to exceed the limit.

Patent Document 1 describes an example of a transaction system for a financial institution with a limit on an excess amount that is a difference between a remittance amount and a deposit amount. As shown in FIG. 8 , the transaction system described in Patent Document 1 includes a broker center 1003 connected to a plurality of bank hosts 1001 through a network 1002, and the broker center 1003 transmits and receives transaction messages to and from the bank host 1001. And a server 1006 including one or more distributed servers 1005. When receiving the transaction message from the bank host 1001, the relay device 1004 allocates the transaction message to one of the distributed servers 1005. When receiving the transaction message from the relay device 1004, the distributed server 1005 processes the transaction message in the order of reception. In the process, the distributed server 1005 checks whether the transaction amount (remittance amount) does not exceed the remittable amount that is the difference between the current excess amount and a predetermined limit amount. Allow the transaction.
JP 2000-348110 A

As described above, in the past, transaction messages were processed in the order received, that is, first-in, first-out, so if a transaction message exceeding the remittable amount that is the difference between the current excess amount and the limit amount is received, There is a problem that the processing of the subsequent transaction message is not started until the possible amount becomes equal to or more than the amount of transfer of the transaction message, and the remittance processing is delayed due to the excess amount limitation.

An object of the present invention is to provide an overdue amount management apparatus and method for solving such a conventional problem by a simple method.

A first excess amount management device according to the present invention is an excess amount management device for a financial institution having a limitation on an excess amount that is a difference between a remittance amount and a deposit amount, and stores the excess amount. Enter the amount storage means, multiple queues corresponding to each different amount band, and remittance data specifying the remittance amount, and the input remittance data covers the remittance amount specified by the remittance data Remittance data adding means to be added to the queue corresponding to the amount of money to be sent, and the amount of money that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount If there is remittance data in the corresponding queue, the remittance data is extracted and remittance processing is performed, and the remittance control means for updating the excess amount, and input of remittance data specifying the deposit amount, The A deposit control means for updating the Utotomoni the excess amount, characterized in that it comprises a.

A first excess amount management method of the present invention is a excess amount management method for a financial institution having a limitation on an excess amount which is a difference between a remittance amount and a deposit amount, and a) a remittance data adding means The remittance data specifying the remittance amount is input, and among the plurality of queues corresponding to the different remittance ranges one-to-one, the remittance data corresponding to the remittance amount specified by the input remittance data is supported. A step of adding to a queue; b) the queue corresponding to a money amount range in which the remittance control means does not exceed a remittable money amount which is a difference between an excess amount stored in the excess amount storage means and a predetermined limit amount; If the remittance data exists, the step of taking out the remittance data and performing the remittance process and updating the excess amount, c) the deposit control means inputs the deposit data specifying the deposit amount, and performs the deposit process. If you do Characterized in that it comprises the step of updating the excess amount to.

A first program of the present invention is a destination excess amount management device for a financial institution having a limitation on an excess amount which is a difference between a remittance amount and a deposit amount, and an excess amount storage means for storing the excess amount , A computer that constitutes an overdue amount management device having a plurality of queues corresponding to one to one for each different amount band, inputs remittance data specifying a remittance amount, and inputs the remittance data to the remittance data Remittance data adding means to be added to the queue corresponding to the money amount range that covers the remittance amount specified in, and remittance that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount Remittance control means for taking out the existing remittance data and performing remittance processing when the remittance data exists in the queue corresponding to the amount range that does not exceed the possible amount, and remittance The type of deposit data specified, characterized in that to function as a payment control means for updating the excess amount performs deposit processing.

With the excess amount management apparatus and method and program for destination according to the present invention, it is possible to prevent delays in remittance processing when a transaction message exceeding the remittable amount is received. The reason for this is that there are multiple queues for storing received remittance data, and the transaction message exceeding the remittable amount is held at the top of any of the queues. This is because if there is remittance data specifying a remittance amount that does not exceed the remittable amount at the head of the other queue, the existing remittance data is extracted and processed.

Referring to FIG. 1, an excess amount management apparatus 100 according to an embodiment of the present invention includes a storage unit 102 that stores an excess amount 101 that is a difference between a remittance amount and a deposit amount, and a plurality of queues 103-1. -10-n and the remittance data adding unit for inputting the remittance data 104 specifying the remittance amount, the destination bank, and the destination bank, and adding the remittance data 104 to any one of the queues 103-i (i = 1,..., N). 105 and remittance that designates a remittance amount that does not exceed the remittable amount that is the difference between the excess amount 101 stored in the storage unit 102 and a predetermined limit amount at the head of any one of the queues 103-i If the data exists, the remittance control unit 106 that takes out the remittance data that exists and performs remittance processing and updates the excess amount 101, and the remittance data 107 that specifies the deposit amount, the destination bank, and the destination bank are input. Deposit And a depositing controller 108 to update the excess amount 101 performs management.

The overdelivery amount management apparatus 100 according to the present embodiment configured as described above generally operates as follows.

When the remittance data 104 is received through a communication line or the like, the remittance data adding unit 105 adds the received remittance data 104 to any one queue 103-i. The remittance control unit 106 calculates the difference between the excess amount 101 and a predetermined limit as the remittable amount, and if there is remittance data equal to or less than the remittable amount at the head of the queues 103-1 to 103-n. It is taken out, remittance processing is performed, and the excess amount 101 is added by the current remittance amount. For remittance data at the top of the queues 103-1 to 103-n that is greater than or equal to the remittable amount, for example, the excess amount 101 is reduced by the amount received in accordance with the deposit process of the deposit control unit 108. It is waited until the amount of remittance data exceeds the remittance amount.

FIG. 2 is a schematic block diagram of a Zengin system as an example of a financial system to which the present invention is applied. In FIG. 2, reference numeral 200 denotes a system belonging to a certain financial institution, which includes a plurality of terminal devices 201 installed in a branch office and the like and a financial institution center (own center) 202 associated with the bank. The financial institution center 202 of the financial system 200 is connected to the Zengin Center 204 through the relay computer 203.

Based on the transfer or remittance request from the customer, the destination bank transmits a foreign exchange message from the branch terminal device 201 to its own financial institution center 202. The financial institution center 202 identifies whether it is addressed to its own bank or another bank, and in the case of a telegram addressed to another bank, after performing related processing such as record keeping, it transmits it to the Zengin Center 204 via the relay computer 203. The Zengin Center 204 performs various checks on the received message and returns an error to the destination bank if an error is found. If the electronic message is normal, the related processing such as record keeping is performed, and the electronic message is sent to the financial institution center 202 of the destination bank via the relay computer 203. The financial institution center 202 of the destination bank performs destination processing such as deposit processing and sends a message to the corresponding branch.

The excess amount management apparatus 100 according to the present embodiment can be applied to the financial institution center 202, for example. In this case, the financial institution center 202 temporarily stores the message addressed to the other bank received from the terminal device 201 in the queues 103-1 to 103-n by the remittance data adding unit 105, and checks the excess amount by the remittance control unit 106. After confirming that the amount is less than or equal to the remittable amount, it is transmitted to the Zengin Center 204 via the relay computer 203. Also, the excess amount 101 is added by the remittance amount. On the other hand, when a message is received from the Zengin Center 204, the excess amount 101 is reduced by the deposit amount as part of the destination process such as the deposit process.

The overdue amount management apparatus 100 of the present embodiment can also be applied to the Zengin Center 204. In this case, when the Zengin Center 204 receives a message from the financial institution center 202 via the relay computer 203, as a part of various checks, the Zengin Center 204 uses the excess amount 101 of the destination bank and the limit set for the destination bank. A check is made based on the calculated remittable amount, and if it is less than the remittable amount, it is permitted, otherwise it is returned to the destination bank. If the message is accepted normally, the excess amount 101 of the destination bank is added as part of related processing such as record keeping, the excess amount 101 of the destination bank is subtracted, and relayed to the financial institution center 202 of the destination bank. A message is sent via the computer 203. As described above, when the surplus management apparatus 100 of the present embodiment is applied to a so-called brokerage center such as the Zengin Center 204, the surplus 101 for each financial institution is held in the storage unit 102, and the deposit control unit 108 The function is integrated into the remittance control unit 106.

Next, embodiments of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 3, an excess amount management apparatus 300 according to the first embodiment of the present invention is provided in the financial institution center 202 of FIG. 2, and includes a reception control unit 2, a transmission control unit 4, and an input control unit 10. And each storage means of the storage area 3 and the storage area 5 is connected to output devices 1 and 9 such as a communication line and input devices 6 and 8 such as a communication line.

The storage area 5 stores and stores a plurality of queues (1) to (n) that correspond one-to-one with different money amounts, and correspondence information 51 that indicates the correspondence between each queue and the money amount. Area 3 stores the excess amount of the bank.

The input control unit 10 includes a queue addition unit 7, the transmission control unit 4 includes a queue deletion unit 41, an excess amount calculation unit 42, and a transmission unit 43, and the reception control unit 2 calculates an excess amount. Means 21 is included. Each of these means generally operates as follows.

The queue adding means 7 sends the remittance data input from the input device 6 to an amount band that covers the remittance specified by the remittance data among the plurality of queues (1) to (n) in the storage area 5. Add to the queue corresponding to. For example, the correspondence information 51 indicates that the queue (1) is 100 million yen or more, and the queue (2) is 1 million yen or more and less than 100 million yen. If the amount is 2 million yen, the queue addition means 7 adds remittance data to the queue (2) (1 million yen to less than 100 million yen) that covers the remittance amount of 2 million yen.

The queue deletion means 41 refers to the excess amount in the storage area 3, calculates the amount of money that can be remittance from a predetermined limit amount for its own bank, and remittance data below the amount that can be remittance is stored at the top. The remittance data is taken out from the queue, and the taken out remittance data is deleted from the queue. The excess amount calculation means 42 updates the amount of remittance data retrieved by the queue deletion means 41 by adding it to the excess amount in the storage area 3, and the transmission means 43 transmits the remittance data by the output device 9.

The excess amount calculation means 21 subtracts the amount of the receipt data received from the input device 8 from the excess amount in the storage area 3 and updates it. Thereafter, the deposit data is output by the output device 1.

Next, the overall operation of this embodiment will be described in detail with reference to FIGS.

When remittance data addressed to another bank is input from the branch terminal through the input device 6 such as a communication device, the input control unit 10 executes the processing shown in FIG. The remittance data addressed to another bank is a foreign exchange message, and includes information indicating the destination bank of the message, information indicating the destination bank of the message destination, and information indicating the amount of exchange transaction (remittance amount). The input control unit 10 first waits corresponding to the remittance amount by the queue adding means 7 based on the remittance amount of the input remittance data and the monetary amount range of each of the queues (1) to (n). A matrix is selected (step A1 in FIG. 4). Then, remittance data is added to the selected queue (step A2).

The transmission control unit 4 repeatedly executes the process shown in FIG. 5 at regular intervals, for example. First, an excess amount is acquired from the storage area 3 by the queue deletion means 41 (step B1), and a remittable amount is calculated from this and a predetermined excess limit amount (limit amount) (step B2). Next, in order from the queue (1), a queue in which remittance data equal to or less than the remittable amount is stored is retrieved (steps B3 to B5, B9, B10), and remittance data is extracted from the retrieved queue. Then, the retrieved remittance data is deleted from the original queue (step B6). Next, the excess amount is updated by adding the remittance amount indicated by the extracted remittance data to the excess amount in the storage area 3 by the excess amount calculating means 42 (step B7). Finally, the extracted remittance data is output to the Zengin Center via the relay computer or the like by the transmission means 43 to the output device 9 such as a communication device (step B8).

On the other hand, when the deposit data to the bank is input from the Zengin Center through the input device 8 such as a communication device, the reception control unit 2 causes the excess amount calculation means 21 to exceed the storage area 3 as shown in FIG. The deposit amount indicated by the deposit data is subtracted from the amount to update the excess amount in the storage area 3 (step C1). The deposit data is an exchange message, and includes information indicating the destination bank of the message transmission source, information indicating the destination bank of the message transmission destination, and information indicating the exchange transaction amount (deposit amount).

Next, a specific example will be described. As shown in FIG. 7, each queue (1) to (4) is assigned a money amount range as shown, and the excess limit amount of the bank is 100,000 yen. If the excess amount is 90,000 yen at a certain point in time, 90,000 yen is stored in the excess amount in the storage area 3. In this situation, when remittance data (5,000 yen remittance) is input, it is added to the corresponding queue (2) (steps A1 and A2).

The transmission control unit 4 calculates the remittable amount as 10,000 yen from the excess amount and the excess limit amount in the storage area 3 (steps B1 and B2), and extracts the remittance data 5,000 yen from the queue (2) below the remittable amount. Then, the retrieved remittance data is deleted from the queue (2) (steps B5 and B6). Next, the remittance data amount of 5,000 yen is added to the excess amount in the storage area 3, and the value of the excess amount is updated to 95,000 yen (step B7). Then, remittance data is output.

On the other hand, when the receipt information (payment amount 3,000 yen) is input, the reception control unit 2 subtracts the amount of the receipt information from the excess amount in the storage area 3 and updates the value of the excess amount (step C1).

The above specific example is a case where remittance data is input in a single shot, but the same operation is performed when a large amount of remittance data is input continuously or stored in a file or the like. That is, for each remittance data, a queue is selected based on the remittance amount and added to the selected queue.

As described above, according to the first embodiment, it is possible to shorten the time required for transmitting remittance data. The reason is that the remittance waiting time due to the excess amount limitation can be reduced by managing the remittance data in a queue according to the amount range, and searching and transmitting the remittance data within the excess amount limitation.

Although the embodiments and examples of the present invention have been described above, the present invention is not limited to the above examples, and various other additions and modifications can be made. In addition, the surplus amount management apparatus of the present invention can be realized by a computer and a program as well as by hardware as well as the functions it has. The program is provided by being recorded on a computer-readable recording medium such as a magnetic disk or a semiconductor memory, and is read by the computer at the time of starting up the computer, etc. And it is made to function as the excess amount management apparatus in the embodiment. That is, in the embodiment of FIG. 1, it functions as the remittance data adding unit 105, the remittance control unit 106, and the deposit control unit 108. In the embodiment of FIGS. It is made to function as each function means of the transmission control part 4 and the input control part 10.

As described above, the surplus amount management apparatus and method of the present invention are useful as a surplus amount management apparatus for a financial institution with a limit on the surplus that is the difference between the remittance amount and the deposit amount. It is suitable for use in the management of excess amount at its own center provided for each financial institution of the Zengin System.

It is a block diagram of the overdelivery amount management apparatus concerning embodiment of this invention. It is a schematic block diagram of the Zengin system as an example of the financial system to which this invention is applied. It is a block diagram of the overdelivery amount management apparatus concerning Example 1 of this invention. It is a flowchart which shows the process example of the input control part in the excess amount management apparatus for destinations concerning Example 1 of this invention. It is a flowchart which shows the example of a process of the transmission control part in the amount surplus management apparatus concerning Example 1 of this invention. It is a flowchart which shows the process example of the reception control part in the amount surplus management apparatus concerning Example 1 of this invention. It is a specific operation explanatory view of the excess amount management device according to Embodiment 1 of the present invention. It is a block diagram of the prior art example of the transaction system for the financial institution with a restriction | limiting in the excess which is the difference of a remittance amount and a deposit amount.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Destination excess amount management apparatus 101 ... Excess amount 102 ... Memory | storage part 103-1 to 103-n ... Queue 104 ... Remittance data 105 ... Remittance data addition part 106 ... Remittance control part 107 ... Deposit data 108 ... Deposit control part

Claims (3)

An overdue amount management device for a financial institution with a limit on the excess amount that is the difference between the remittance amount and the deposit amount,
Excess amount storage means for storing the excess amount;
Multiple queues, each corresponding to a different monetary range,
Remittance data adding means for inputting remittance data specifying a remittance amount, and adding the input remittance data to the queue corresponding to an amount band that covers the remittance amount specified by the remittance data;
If there is remittance data in the queue corresponding to the amount of money that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount, the remittance data that exists Remittance control means for performing remittance processing and updating the excess amount;
A deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount;
An overdue amount management apparatus characterized by comprising: An overdue amount management method for a financial institution with a limit on the excess amount, which is the difference between the remittance amount and the deposit amount,
a) The remittance data adding means inputs the remittance data designating the remittance amount, and the remittance amount designated by the input remittance data is selected from a plurality of queues corresponding one-to-one to different amount ranges. Adding to the queue corresponding to the amount of money to cover,
b) When the remittance control means has remittance data in the queue corresponding to the amount range that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount Extracting the existing remittance data, performing remittance processing and updating the excess amount;
c) a step in which the deposit control means inputs deposit data specifying the deposit amount, performs deposit processing and updates the excess amount;
A method for managing excess amount of purchases, characterized by including: A device for managing excess amount of money for a financial institution having a limitation on an excess amount, which is a difference between a remittance amount and a deposit amount, and an excess amount storage means for storing the excess amount, each in a different amount band A computer constituting a surplus management apparatus having a plurality of queues corresponding to
  Remittance data adding means for inputting remittance data specifying a remittance amount, and adding the input remittance data to the queue corresponding to an amount band that covers the remittance amount specified by the remittance data;
  If there is remittance data in the queue corresponding to the amount of money that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount, the remittance data that exists Remittance control means for performing remittance processing and updating the excess amount;
  A program which functions as a deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount.

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