JP7027688B2 - Information processing system, information processing method, information processing device, and program - Google Patents

Description

The present invention relates to an information processing system, an information processing method, an information processing device, and a program.

Conventionally, various services using deposit accounts such as time deposit accounts have been developed in financial institutions.

For example, Patent Document 1 below describes a technique for automatically canceling a time deposit account when the balance of the savings account is insufficient at the time of transaction. Further, Patent Document 2 below describes a technique for transferring and transferring the excess amount to another account when the operating fund of one account exceeds a certain amount.

Japanese Unexamined Patent Publication No. 2007-34949 Japanese Patent Application Laid-Open No. 2003-296581

By the way, when the time deposit account is canceled, a loss may occur to the customer who holds the time deposit account, so it is desirable that the customer can recognize the amount of the loss before the cancellation.

However, in the techniques described in Patent Document 1 and Patent Document 2, the amount of loss of the customer due to the cancellation of the time deposit account is not notified.

Therefore, the present invention has been made in view of the above problems, and the object of the present invention is to be able to notify the customer's loss amount due to the cancellation of the time deposit account before the cancellation. The purpose is to provide new and improved information processing systems, information processing methods, information processing devices, and programs.

In order to solve the above problem, according to a certain viewpoint of the present invention, a comparison unit that compares the amount of withdrawal transaction requested by the customer with the balance of the withdrawal target account of the customer, and the withdrawal target. A calculation unit that calculates the loss amount of the customer due to the cancellation of at least one fixed deposit account held by the customer when it is determined that the balance of the account is smaller than the amount of the withdrawal transaction. With respect to each of the display control unit that displays the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one time deposit account is canceled, and each of the at least one time deposit account. The amount of interest originally scheduled to be paid to the customer at the time of maturity of the fixed deposit account is the same at the same time as the maturity when the fixed deposit account is canceled and when the fixed deposit account is not canceled . An information processing system including a collection unit that performs a process for collecting the loss amount of the customer from the customer when the at least one time deposit account is closed so that the customer is paid in an amount. Provided.

The loss amount of the customer may be a decrease in the interest paid to the customer due to the cancellation of at least one time deposit account.

The loss amount of the customer is the amount obtained by multiplying the difference between the interest rate of the time deposit account and the interest rate at the time of cancellation of the time deposit account and the amount of the time deposit account for each of the at least one time deposit accounts. It may be the total amount of money according to.

The amount collected from the customer when the at least one time deposit account is closed is the sum of the loss amount of the customer and the fee of the withdrawal transaction, and the collection unit is the loss amount of the customer. A process for collecting the withdrawal transaction fee from the customer may be performed.

The amount collected from the customer when the at least one time deposit account is closed is the sum of the loss amount of the customer and the fee of the withdrawal transaction, and the display control unit is the loss amount of the customer. And the fee for the withdrawal transaction may be displayed together on the display screen.

The display control unit further displays an inquiry as to whether or not to approve the cancellation of the at least one time deposit account on the display screen, and the information processing system has the at least one inquiry based on the answer to the inquiry. A cancellation processing unit that performs processing for canceling a time deposit account may be further provided.

The customer has a plurality of time deposit accounts, and the information processing system has the plurality of time deposits so that the total amount of each of the at least one time deposit accounts is equal to or more than the amount of the withdrawal transaction. It may further include an account selection unit that selects at least one time deposit account from the accounts.

The account selection unit selects one fixed deposit account from the plurality of fixed deposit accounts in ascending order of the decrease in interest paid to the customer due to the cancellation of each of the plurality of fixed deposit accounts. By selecting, the at least one time deposit account may be selected.

Further, in order to solve the above problem, according to another aspect of the present invention, the computer compares the amount of the withdrawal transaction requested by the customer with the balance of the customer's account to be withdrawn. , Calculates the amount of loss of the customer due to the cancellation of at least one fixed deposit account held by the customer when it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction. Steps to display the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one fixed deposit account is canceled, and each of the at least one fixed deposit account. With respect to, the amount of interest originally scheduled to be paid to the customer at the time of maturity of the time deposit account is the same as the time of maturity depending on whether the time deposit account is canceled or not. An information processing method including a step of performing a process for collecting the loss amount of the customer from the customer when the at least one time deposit account is closed so that the same amount of money is paid to the customer. Is provided.

Further, in order to solve the above-mentioned problem, according to another viewpoint of the present invention, a comparison unit for comparing the amount of withdrawal transaction requested by the customer with the balance of the withdrawal target account of the customer, and the above-mentioned Calculation to calculate the loss amount of the customer due to the cancellation of at least one fixed deposit account held by the customer when it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction. A unit, a display control unit that displays the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one fixed deposit account is canceled, and the at least one fixed deposit account. For each, the amount of interest originally scheduled to be paid to the customer at the time of maturity of the time deposit account is the same as the time of maturity depending on whether the time deposit account is canceled or not. Information provided with a collection unit that performs processing for collecting the loss amount of the customer from the customer when the at least one time deposit account is closed so that the same amount of money is paid to the customer. A processing device is provided.

Further, in order to solve the above problem, according to another viewpoint of the present invention, a comparison unit that compares a computer with the amount of withdrawal transaction requested by the customer and the balance of the customer's account to be withdrawn. And, when it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction, the loss amount of the customer due to the cancellation of at least one time deposit account held by the customer is calculated. A calculation unit for calculating, a display control unit for displaying the loss amount of the customer as a part of the amount collected from the customer when the at least one fixed deposit account is canceled, and the at least one fixed period. For each of the deposit accounts, the amount of interest originally planned to be paid to the customer at the time of maturity of the fixed deposit account is the amount of interest paid to the customer at the time of maturity depending on whether the fixed deposit account is canceled or not. As a collection unit that performs processing for collecting the loss amount of the customer from the customer when the at least one time deposit account is closed so that the customer is paid the same amount at the same time. A program is provided to make it work.

As described above, according to the present invention, it is possible to notify the customer's loss amount due to the cancellation of the time deposit account before the cancellation.

It is explanatory drawing which showed the structural example of the information processing system by embodiment of this invention. It is a functional block diagram which showed the configuration example of the time deposit deposit automatic determination server 10 by the same embodiment. It is explanatory drawing which showed the structural example of the time deposit account information by the same embodiment. It is explanatory drawing which showed the selection example of the time deposit account to be canceled by the same embodiment. It is explanatory drawing which showed the display example of the display screen which shows the amount collected from the customer with the cancellation of a time deposit account by the same embodiment. It is a sequence diagram which showed a part of the flow of processing by the same embodiment. It is a sequence diagram which showed a part of the flow of processing by the same embodiment. It is a sequence diagram which showed a part of the processing flow by a modification. It is a sequence diagram which showed a part of the processing flow by a modification. It is explanatory drawing which showed the comparative example of the collection method by the same embodiment and the overdraft deposit in the case where partial decomposition contract is possible. It is explanatory drawing which showed the comparative example of the collection method by the same embodiment and the overdraft deposit in the case where partial decomposition contract is possible. It is explanatory drawing which showed the hardware configuration of the time deposit deposit automatic determination server 10 by the same embodiment.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

Further, in the present specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numerals. For example, a plurality of components having substantially the same functional configuration are distinguished as necessary, such as branch office 2a and branch office 2b. However, if it is not necessary to particularly distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numerals are given. For example, when it is not necessary to distinguish between the branch office 2a and the branch office 2b, it is simply referred to as the branch office 2.

In addition, the "mode for carrying out the invention" will be described in accordance with the order of items shown below.
1. 1. Information processing system configuration 2. Detailed description of the embodiment 3. Hardware configuration 4. Modification example

<< 1. Information processing system configuration >>
First, the configuration of the information processing system according to the embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing a configuration example of an information processing system according to the present embodiment. As shown in FIG. 1, the information processing system includes a fixed-term deposit deposit automatic determination server 10, a store terminal 20, an ATM (Automated teller machine) 22, a dedicated network 24, and an accounting server 30. The information processing system may be configured within a certain financial institution. Further, as shown in FIG. 1, the financial institution has at least one business office 2. Further, at least one store terminal 20 and one ATM 22 may be installed in the branch office 2.

<1-1. Store terminal 20>
The store terminal 20 is a terminal used by the staff working at the sales office 2. For example, when a customer visits the window of the branch office 2, the staff operates the store terminal 20 to execute various transactions (for example, withdrawal transaction) requested by the customer.

The store terminal 20 has, for example, a display for displaying a display screen, a network interface for connecting to a dedicated network 24, and an input device for a user to input. For example, the store terminal 20 may be a PC (Personal Computer).

<1-2. ATM22>
The ATM 22 is a customer-operated terminal for executing various financial transactions (for example, withdrawal transactions) based on the operations of users such as customers. As shown in FIG. 1, the ATM 22 is installed in, for example, a branch office 2. However, the present invention is not limited to this, and the ATM 22 can be installed in various facilities such as convenience stores, station premises, hotels, hospitals, amusement parks, restaurants, and office buildings.

Further, the ATM 22 can communicate with the device connected to the dedicated network 24. For example, the ATM 22 transmits the transaction information input by the customer to the accounting server 30 or the time deposit deposit automatic determination server 10.

<1-3. Core banking server 30>
The accounting server 30 is a device that processes various monetary transactions (account transaction processing) such as deposits and withdrawals and transfers. Further, the accounting server 30 manages customer information such as account information of each customer. For example, the account system server 30 includes information on the customer's savings account (for example, account identification information and balance) and information on the customer's time deposit account (for example, account identification information and balance) for each customer. Are associated and managed.

<1-4. Time deposit deposit automatic judgment server 10>
The time deposit deposit automatic determination server 10 is an example of the information processing device in the present invention. The time deposit deposit automatic determination server 10 is a device for performing processing related to depositing or canceling a time deposit account held by each customer. For example, the time deposit deposit automatic determination server 10 predicts the future occurrence of fund demand for each customer based on the past deposit / withdrawal record of the customer. Then, the time deposit deposit automatic determination server 10 performs a process of depositing an appropriate amount of money into the customer's time deposit account for an appropriate period based on the predicted occurrence status of fund demand.

<1-5. Dedicated net 24>
The dedicated network 24 is a network used for transmitting and receiving information within a financial institution. The dedicated network 24 may include a dedicated line network such as IP-VPN (Internet Protocol-Virtual Private Network).

<1-6. Arrangement of issues>
The configuration of the information processing system according to the present embodiment has been described above. By the way, when a customer's time deposit account is canceled, a loss may occur to the customer, for example, the amount of interest paid to the customer with respect to the time deposit account decreases. Therefore, it is desirable that the customer can recognize the amount of loss of the customer due to the cancellation of the time deposit account before the cancellation.

Therefore, with the above circumstances as the first point of view, we have created the time deposit deposit automatic determination server 10 according to the present embodiment. According to the present embodiment, the amount of the withdrawal transaction requested by the customer is compared with the balance of the customer's withdrawal target account, and the balance of the withdrawal target account is smaller than the withdrawal transaction amount. If it is determined that, the amount of loss of the customer due to the cancellation of at least one time deposit account held by the customer is calculated, and when the at least one time deposit account is canceled. It is possible to display the loss amount of the customer on the display screen as a part of the amount collected from the customer. As a result, it is possible to inform the customer of the amount of loss of the customer due to the cancellation of the time deposit account before the cancellation.

Here, the loss amount of the customer is, for example, the difference between the interest paid to the customer when the customer holds the time deposit account until maturity and the interest paid to the customer when the time deposit account is canceled halfway. Can be. Further, in the present embodiment, the amount of interest paid to the customer at the maturity of the time deposit account will be mainly described in the case where the time deposit account is canceled and the case where the time deposit account is not canceled. I do.

<< 2. Detailed description of the embodiment >>
<2-1. Configuration>
Next, the configuration according to the present embodiment will be described in detail. FIG. 2 is a functional block diagram showing the configuration of the time deposit deposit automatic determination server 10 according to the present embodiment. As shown in FIG. 2, the time deposit deposit automatic determination server 10 has a control unit 100, a communication unit 120, and a storage unit 122.

{2-1-1. Control unit 100}
The control unit 100 uses hardware such as a CPU (Central Processing Unit) 150 to be described later and a RAM (Random Access Memory) 154 built in the fixed deposit deposit automatic determination server 10, and the fixed deposit deposit automatic determination server 10 Controls the operation of. Further, as shown in FIG. 2, the control unit 100 includes a transaction information acquisition unit 102, an account information acquisition unit 104, a comparison unit 106, an account selection unit 108, a calculation unit 110, a display control unit 112, and a cancellation processing unit 114. And it has a collection unit 116.

{2-1-2. Transaction information acquisition unit 102}
The transaction information acquisition unit 102 acquires transaction information of various transactions (for example, withdrawal transaction) requested by a customer of a financial institution. For example, when the transaction information of the withdrawal transaction desired by the customer is input to the ATM 22 or the store terminal 20, the transaction information acquisition unit 102 uses the transaction information (for example, the account subject to the withdrawal transaction (hereinafter referred to as “the account”). Then, it is acquired by receiving the identification information (which may be referred to as a withdrawal target account) and the amount of the withdrawal transaction) from the corresponding ATM 22 or the store terminal 20.

{2-1-3. Account information acquisition unit 104}
When the transaction information is acquired by the transaction information acquisition unit 102, the account information acquisition unit 104 acquires the account information of the account held by the customer who requested the transaction indicated by the transaction information. For example, the account information acquisition unit 104 acquires the balance of the savings account corresponding to the account identification information indicated by the transaction information by inquiring to the accounting server 30 via the communication unit 120 described later. Further, the account information acquisition unit 104 transfers all the time deposit account information (hereinafter, may be referred to as time deposit account information) held by the customer who requested the transaction to the account system server 30 via the communication unit 120. Obtain by contacting.

FIG. 3 is an explanatory diagram showing an example of time deposit account information (time deposit account information 40). As shown in FIG. 3, the time deposit account information 40 includes, for example, an account number 400, an amount 402, an elapsed period 404, and an interest rate 406 at the time of contract. Here, the account number of the corresponding time deposit account is recorded in the account number 400. Further, the deposit amount of the corresponding time deposit account is recorded in the amount 402. Further, in the elapsed period 404, the number of days elapsed from the contract date of the corresponding time deposit account is recorded. In addition, the interest rate at the time of contract is recorded in the interest rate 406 at the time of contract. The time deposit account information 40 may be information including information on all time deposit accounts held by one customer.

{2-1-4. Comparison unit 106}
For example, when the transaction information acquired by the transaction information acquisition unit 102 indicates a withdrawal transaction, the comparison unit 106 indicates the amount of the withdrawal transaction and the withdrawal of the withdrawal transaction acquired by the account information acquisition unit 104. Compare with the balance of the target account.

{2-1-5. Account selection unit 108}
When the comparison unit 106 determines that the balance of the withdrawal target account of the withdrawal transaction requested by the customer is smaller than the amount of the withdrawal transaction, the account selection unit 108 determines that all the time deposit accounts of the customer. Select the time deposit account to be canceled from the list. For example, the account selection unit 108 may use at least one time deposit to be canceled from all the time deposit accounts of the customer so that the total amount of the time deposit accounts to be canceled is equal to or more than the amount of the withdrawal transaction. Select an account.

As an example, the account selection unit 108 determines a predetermined standard from all the time deposit accounts of the customer until the total amount of the (selected) time deposit accounts to be canceled is equal to or more than the amount of the withdrawal transaction. Select the time deposit accounts to be canceled one by one based on. For example, the account selection unit 108 selects the time deposit accounts to be canceled one by one in ascending order of the decrease in interest paid to the customer (that is, the amount of loss of the customer) due to the cancellation of the time deposit account. May be good. Here, the amount of decrease in interest paid to the customer is, for example, multiplied by the difference between the interest rate at the time of contracting the relevant time deposit account and the interest rate at the time of cancellation of the time deposit account, and the amount of the time deposit account. It can be an amount according to the amount.

Alternatively, the account selection unit 108 may select the time deposit accounts to be canceled one by one in ascending order of the number of days elapsed from the contract date of the time deposit account. Alternatively, the account selection unit 108 may select the time deposit accounts to be canceled one by one in ascending order of interest rates at the time of contracting the time deposit accounts.

(2-1-5-1. Specific example of account selection)
Here, the above functions will be described in more detail with reference to FIG. FIG. 4 shows a case where a customer holding the five time deposit accounts 500 shown in FIG. 3 requests a withdrawal transaction of “500,000 yen” and the customer's withdrawal target account has insufficient balance. It is explanatory drawing which showed the selection example of the time deposit account to be canceled in. Note that FIG. 4 shows an example in which the interest rate (D) at the time of cancellation of the time deposit is currently "0.01%".

Further, in FIG. 4, for each time deposit account 500, the difference between the interest rate (C) at the time of contract of the time deposit account 500 and the interest rate (D) at the time of cancellation of the time deposit account 500 and the time deposit account 500. An example in which the amount obtained by multiplying the amount (A) by the number of days elapsed from the contract date (B) is calculated daily as the amount of decrease in interest (E) of the time deposit account 500, for example, by the calculation unit 110 described later. Is shown. More specifically, the amount of decrease in interest (E) for each time deposit account 500 is calculated by the following formula.

Decrease in interest (E) = Deposit amount (A) x (Interest rate at the time of contract (C) -Interest rate at the time of cancellation (D)) / 365 x Elapsed period (B)

In the example shown in FIG. 4, for example, the account selection unit 108 reduces interest until the total amount of the time deposit account to be canceled becomes equal to or more than the amount of the withdrawal transaction (that is, "500,000 yen"). (E) Select the time deposit account 500 to be canceled one by one from the five time deposit accounts 500 in the order of the time deposit account 500 with the smallest size. That is, the account selection unit 108 cancels the three time deposit accounts 500 (specifically, the time deposit account 500a, the time deposit account 500b, and the time deposit account 500d) shown by the broken line in FIG. Select as a savings account.

{2-1-6. Calculation unit 110}
The calculation unit 110 calculates the amount of loss of the customer due to the cancellation of all the time deposit accounts to be canceled selected by the account selection unit 108. For example, the calculation unit 110 calculates the amount of decrease in interest paid to the customer due to the cancellation of the time deposit account for each of the time deposit accounts to be canceled, thereby causing the loss of the customer. Calculate the amount. As an example, in the example shown in FIG. 4, the calculation unit 110 is the total of the interest reductions of the time deposit account 500a, the time deposit account 500b, and the time deposit account 500d (that is, "51 yen" (= 6). Yen + 8 Yen + 37 Yen)) is calculated as the loss amount of the customer.

{2-1-7. Display control unit 112}
The display control unit 112 controls the display on the store terminal 20 and the ATM 22. For example, the display control unit 112 causes the store terminal 20 or the ATM 22 to transmit the display control information for displaying a predetermined display screen to the store terminal 20 or the ATM 22 to the communication unit 120.

For example, the display control unit 112 is calculated by the calculation unit 110 as a part of the amount collected from the corresponding customer when all the time deposit accounts to be canceled selected by the account selection unit 108 are canceled. The customer's loss amount is displayed on the display screen of the store terminal 20 or the ATM 22 (which is processing the withdrawal transaction). Here, the amount collected from the customer may be, for example, the sum of the loss amount of the customer calculated by the calculation unit 110 and the fee of the withdrawal transaction. Further, in this case, the display control unit 112 displays the loss amount of the customer and the fee of the withdrawal transaction together on the display screen of the store terminal 20 or the ATM 22 (which processes the withdrawal transaction). Let me.

Further, the display control unit 112 can further display an inquiry as to whether or not to approve the cancellation of all the time deposit accounts to be canceled on the corresponding display screen.

FIG. 5 is a display example of a display screen displayed on the ATM 22 showing the amount collected from the customer when the time deposit account to be canceled selected by the account selection unit 108 in the example shown in FIG. 4 is canceled. It is explanatory drawing which showed (inquiry screen 60). As shown in FIG. 5, the inquiry screen 60 has an inquiry message 600, a customer loss amount display field 602, a withdrawal transaction fee display field 604, a total collected amount display field 606, and a pass / fail selection button. Includes 610. Here, in the display column 602 of the customer's loss amount, the account number of each of all the time deposit accounts to be canceled selected by the account selection unit 108, the deposit amount, and the interest associated with the cancellation of the time deposit account. The amount of decrease in the amount is displayed. Further, in the display column 604 of the withdrawal transaction fee, the corresponding withdrawal transaction fee is displayed. In addition, in the display column 606 of the total amount collected, the total amount collected from the customer (that is, the total amount of decrease in interest due to the cancellation of the time deposit account to be canceled, and the fee for withdrawal transactions). And total) is displayed. Further, the acceptance / rejection selection button 610 is for selecting whether or not to consent to the cancellation of all the time deposit accounts to be canceled and the collection amount displayed in the display column 606. It is a selection button. For example, when the consent selection button 610a is selected by the customer, the cancellation processing unit 114, which will be described later, may execute the cancellation processing of the time deposit account to be canceled. Further, when the refusal selection button 610a is selected by the customer, the corresponding withdrawal transaction may be canceled.

{2-1-8. Cancellation processing unit 114}
The cancellation processing unit 114 is for canceling all the time deposit accounts to be canceled based on the answer to the inquiry about the acceptance or rejection of the cancellation of all the time deposit accounts to be canceled displayed on the store terminal 20 or the ATM 22. Perform processing. For example, if the answer indicates that all the cancellation target time deposit accounts are to be canceled, the cancellation processing unit 114 is instructed to execute the cancellation processing of all the cancellation target time deposit accounts. Is transmitted to the communication unit 120 to the accounting server 30. As a result, for example, the core banking server 30 cancels all the cancellation target time deposit accounts and deposits the deposit amount of all the cancellation target time deposit accounts into the customer's savings account.

In addition, if the answer indicates that the cancellation of all the time deposit accounts subject to cancellation is not accepted, the cancellation processing unit 114 does not execute the cancellation processing of all the time deposit accounts subject to cancellation.

{2-1-9. Collection unit 116}
The collection unit 116 is the total amount collected from the customer (that is, the loss of the customer) based on the response to the inquiry regarding the acceptance or rejection of the cancellation of all the time deposit accounts to be canceled displayed on the store terminal 20 or the ATM 22. Process for collecting the amount (total of the amount and the fee for withdrawal transaction) from the customer. For example, if the answer indicates that all of the time deposit accounts subject to cancellation are to be canceled, the collection unit 116 gives an instruction to deduct the collection amount from the balance of the customer's savings account. The accounting server 30 is made to transmit to the communication unit 120. As a result, for example, the core banking server 30 subtracts the collected amount from the balance of the customer's savings account.

In addition, if the answer indicates that the cancellation of all the time deposit accounts subject to cancellation is not accepted, the collection unit 116 does not execute the process of collecting the collected amount from the customer.

{2-1-10. Communication unit 120}
The communication unit 120 transmits / receives information to / from other devices via, for example, a dedicated network 24. For example, the communication unit 120 receives transaction information from the store terminal 20 or ATM 22, and receives account information from the accounting server 30. Further, the communication unit 120 transmits display control information for displaying the collected amount from the customer to the store terminal 20 or the ATM 22 under the control of the display control unit 112. Further, the communication unit 120 transmits an instruction for executing the cancellation processing of the time deposit account to be canceled to the core banking server 30 under the control of the cancellation processing unit 114.

{2-1-11. Storage unit 122}
The storage unit 122 stores various data and various software.

<2-2. Processing flow>
The configuration according to the present embodiment has been described above. Subsequently, the flow of processing according to this embodiment will be described.

FIG. 6 is a sequence diagram showing a part of an example of the processing flow according to the present embodiment. As shown in FIG. 6, first, the customer who visits the branch office 2 inputs the transaction information of the desired withdrawal transaction to the ATM 22. Then, the ATM 22 transmits the input transaction information to the accounting server 30.

Alternatively, the customer requests the staff to make a desired withdrawal transaction at the window of the branch office 2. Then, the staff member inputs the transaction information of the requested withdrawal transaction to the store terminal 20. Then, the store terminal 20 transmits the input transaction information to the accounting server 30 (S101 to S103).

After that, the accounting server 30 compares the withdrawal amount indicated by the transaction information received in S103 with the balance of the withdrawal target account indicated by the transaction information (S105). If the balance of the withdrawal target account is equal to or greater than the withdrawal amount (S105: Yes), the accounting server 30 deducts the withdrawal amount and the withdrawal transaction fee from the savings account. Then, the core banking server 30 updates the core banking data according to the subtraction result (S107).

Subsequently, the accounting server 30 transmits an instruction for withdrawal of the withdrawal amount to the corresponding ATM 22 or the store terminal 20 (S109). After that, the process of S143 described later is executed.

On the other hand, when the balance of the withdrawal target account is less than the withdrawal amount (S105: No), the accounting server 30 notifies that the withdrawal target account has insufficient balance and the transaction. Information is transmitted to the time deposit deposit automatic determination server 10 (S111).

After that, the account selection unit 108 of the time deposit deposit automatic determination server 10 first sets "1" in the variable I indicating the number of time deposit accounts to be canceled (S113). Subsequently, the account selection unit 108 identifies the time deposit account with the I-th smallest elapsed period from the contract date from all the time deposit accounts held by the customer, and cancels the specified time deposit account. Additional selection as the target time deposit account (S115).

Subsequently, the calculation unit 110 calculates the amount of decrease in interest paid to the customer with respect to the time deposit account to be canceled selected in S115 due to the cancellation of the time deposit account (S117).

Subsequently, the account selection unit 108 adds "1" to I (S119).

Subsequently, the account selection unit 108 determines whether or not the total amount of all the selected fixed-term deposit accounts to be canceled exceeds the amount of the corresponding withdrawal transaction (S121). If the total amount of the fixed deposit accounts to be canceled is less than the amount of the withdrawal transaction (S121: No), the account selection unit 108 processes S115 again.

On the other hand, when the total amount of the time deposit accounts to be canceled exceeds the amount of the withdrawal transaction (S121: Yes), the display control unit 112 shall display all the time deposit accounts to be canceled. The account identification information of each of the above and the amount of decrease in interest due to the cancellation of the time deposit account are transmitted to the account system server 30 to the communication unit 120 (S123).

After that, the core banking server 30 sets the amount of decrease in interest due to the cancellation of each of the time deposit accounts to be canceled received in S123 and the fee of the corresponding withdrawal transaction to the corresponding ATM 22 or the store terminal. It is transmitted to 20 (S125).

Here, with reference to FIG. 7, the flow of processing after S125 will be described. As shown in FIG. 7, after S125, the corresponding ATM 22 or the store terminal 20 displays the amount of decrease in interest received in S125 and the fee for the withdrawal transaction on the display screen (S131).

After that, if the customer does not agree that the interest reduction amount displayed in S131 and the fee for the withdrawal transaction will be collected (S133: No), the processing flow ends.

On the other hand, if the customer agrees that the interest reduction amount displayed in S131 and the fee for the withdrawal transaction will be collected (S133: Yes), the ATM22 is agreed by the customer. A notification of that is sent to the accounting server 30, or the corresponding store terminal 20 sends a notification of consent by the customer to the accounting server 30 based on the input of the relevant staff (). S135).

After that, the core banking server 30 executes the cancellation processing of all the time deposit accounts to be canceled. Then, the core banking server 30 deposits the amounts of all the time deposit accounts to be canceled into the customer's savings account (S137).

Subsequently, the account system server 30 determines the amount of the withdrawal transaction, the fee of the withdrawal transaction, and the amount of decrease in interest due to the cancellation of all the time deposit accounts to be canceled. Subtract from your savings account. Then, the core banking server 30 updates the core banking data according to the subtraction result (S139).

Subsequently, the accounting server 30 transmits an instruction for withdrawal of the amount of the withdrawal transaction to the corresponding ATM 22 or the store terminal 20 (S141).

After that, the corresponding ATM 22 or the store terminal 20 withdraws the amount indicated by the received instruction (S143).

{2-2-1. Modification example}
The flow of processing according to this embodiment is not limited to the above-mentioned example. Here, a modified example of the processing flow according to the present embodiment will be described with reference to FIGS. 8 and 9. The processing of S201 shown in FIG. 8 is substantially the same as that of S101 shown in FIG.

After S201, the corresponding ATM 22 or the store terminal 20 transmits the input transaction information to the time deposit deposit automatic determination server 10 (S203).

After that, the communication unit 120 of the time deposit deposit automatic determination server 10 transmits an inquiry of the balance of the withdrawal target account indicated by the transaction information received in S203 to the accounting server 30 under the control of the account information acquisition unit 104 (. S205).

After that, the core banking server 30 specifies the balance of the savings account indicated by the received inquiry, and notifies the time deposit deposit automatic determination server 10 of the specified balance (S207).

After that, the comparison unit 106 of the time deposit deposit automatic determination server 10 compares the withdrawal amount indicated by the transaction information received in S203 with the balance of the withdrawal target account received in S207 (S209). When the balance of the withdrawal target account is equal to or greater than the withdrawal amount (S209: Yes), the communication unit 120 transmits the transaction information to the accounting server 30 under the control of the control unit 100 (S211). ..

The processing of S213 to S215 shown in FIG. 8 is substantially the same as that of S107 to S109 shown in FIG.

Next, the flow of processing when the balance of the withdrawal target account is less than the withdrawal amount (S209: No) will be described. Note that S217 to S225 shown in FIG. 8 are substantially the same as S113 to S121 shown in FIG.

Here, with reference to FIG. 9, in S225, the processing flow in the case where the total amount of the fixed deposit accounts to be canceled exceeds the amount of the corresponding withdrawal transaction (S225: Yes) will be described. .. As shown in FIG. 9, in this case, first, the communication unit 120 cancels each of the withdrawal transaction fee and all the time deposit accounts to be canceled under the control of the display control unit 112. Display control information for displaying the amount of decrease in interest accompanying is transmitted to the corresponding ATM 22 or the store terminal 20 (S231).

Note that S233 to S235 shown in FIG. 9 are substantially the same as S131 to S133 shown in FIG. 7.

In S235, if the customer agrees that the relevant interest reduction amount and the relevant withdrawal transaction fee will be collected (S235: Yes), the relevant ATM 22 or the relevant store terminal 20 will be used. A notification of consent by the customer is transmitted to the time deposit deposit automatic determination server 10 (S237).

After that, the communication unit 120 of the time deposit deposit automatic determination server 10 transmits an instruction for executing the cancellation processing of all the time deposit accounts to be canceled to the accounting server 30 under the control of the cancellation processing unit 114. Further, the communication unit 120 transmits an instruction for subtracting the collection amount from the customer's savings account to the accounting server 30 according to the control of the collection unit 116 (S239).

The processing of S241 to S247 shown in FIG. 9 is substantially the same as that of S137 to S143 shown in FIG. 7.

<2-3. Effect>
{2-3-1. Effect 1}
As described above, the fixed deposit deposit automatic determination server 10 according to the present embodiment compares the amount of the withdrawal transaction requested by the customer with the balance of the customer's withdrawal target account, and the withdrawal target account. If it is determined that the balance of the withdrawal transaction is less than the amount of the withdrawal transaction, the amount of loss of the customer due to the cancellation of at least one time deposit account held by the customer is calculated, and the amount of the customer is calculated. The loss amount of the customer is displayed on the display screen as a part of the amount collected from the customer when at least one fixed deposit account is closed. Therefore, the customer can know the amount of loss of the customer due to the cancellation of the time deposit account before the cancellation.

As an alternative method (from the present embodiment), the amount of decrease in interest of the customer due to the cancellation of at least one time deposit account is paid to the customer at the time of maturity of the time deposit account. A method of subtracting (collecting) from the interest to be paid is also conceivable. However, with this method, the customer may be skeptical because at maturity, the customer does not receive the full amount of interest in line with the interest rate at the time of contract. On the other hand, according to the present embodiment, the customer can know the amount of decrease in the interest of the customer due to the cancellation of the time deposit account before the cancellation. Then, the customer has an advantage that he / she can decide whether or not to cancel the time deposit account while considering the amount of decrease in interest. In addition, by collecting the decrease in interest at the time of cancellation, the amount of interest that is apparently the same as the total amount of interest originally planned to be paid at maturity is paid, so the customer's satisfaction at maturity is not impaired. There is. Further, the financial institution has an advantage that it is possible to save the labor of explaining the reason why the interest amount is reduced from the original schedule at the time of maturity.

{2-3-2. Effect 2}
Further, according to the present embodiment, it is possible to automatically cancel the time deposit account held by the customer and process the deposit to the savings account. In other words, since fund management using time deposits can be fully automated, the time and effort of customers in asset management can be reduced. As a result, it is possible to provide a highly convenient service to the customer.

{2-3-3. Effect 3}
Further, the method of collecting the amount of decrease in interest according to the present embodiment has the following two merits for the customer as compared with, for example, a known overdraft deposit. First, in the present embodiment, the time and effort of the customer is less than that of the overdraft deposit. For example, overdraft deposits require cash borrowing and repayment procedures, which is troublesome for customers. On the other hand, in the collection method according to the present embodiment, the customer does not need to perform any procedure (for example, no deposit application is required), and it does not take time and effort.

Secondly, in the present embodiment, the amount of income and expenditure obtained by the customer may be larger than that of the overdraft deposit. In general, the interest rate on overdraft deposits is higher than the interest rate on time deposits. For this reason, if the borrowing period is long, the overdraft interest (that is, the interest paid by the customer) will be large, so even if interest is earned from the time deposit account, the final balance will be small or negative. Become. Therefore, the amount of income and expenditure obtained by the customer may be larger in this embodiment (especially when the time deposit can be partially disassembled).

(2-3-3-1. Comparison example between this embodiment and overdraft deposit)
Here, with reference to FIGS. 10 and 11, a comparative example between the present embodiment and the overdraft deposit regarding the balance obtained by the customer will be described. In the examples shown in FIGS. 10 and 11, the customer has only one time deposit account (amount "1 million yen"), and nine months after the contract date of the time deposit account, " It shows an example of a sudden demand for funds of "200,000 yen". Further, FIG. 10 shows an application example of the present embodiment when the time deposit can be partially disassembled, and FIG. 11 shows an application example of the present embodiment when the time deposit cannot be partially disassembled. ing.

Further, in the examples shown in FIGS. 10 and 11, the interest rate at the time of contracting the time deposit account is "0.1%", and the interest rate at the time of cancellation of the time deposit account when the demand for funds is generated is "0%". , An example is shown in which the interest rate of a savings account is "0%" and the interest rate of an overdraft deposit is "0.6%". Here, it is assumed that the interest paid to the customer is not taxed.

First, with reference to FIG. 10, an example of a case where the time deposit can be partially disassembled will be described. As shown in FIG. 10, in the present embodiment, when the fund demand is generated, the customer requests a withdrawal transaction of an amount corresponding to the fund demand, so that the time deposit deposit automatic determination server 10 is used. , The relevant time deposit account is partially disassembled by "200,000 yen", and the amount of decrease in interest at the time of cancellation (that is, "200 yen" (= 200,000 yen x 0.1%)) is used at the time of withdrawal transaction. Collect from customers. Then, at the time of maturity of the time deposit account, the entire amount of interest at the time of contract of the time deposit account (that is, "1000 yen") is paid to the customer. Therefore, the balance of the customer at the time of maturity of the time deposit account is "+800 yen".

On the other hand, in the case of overdraft deposits, as shown in FIG. 10, when the demand for funds occurs, the customer uses the fixed deposit as collateral and the customer pays the amount corresponding to the demand for funds (“200,000 yen”) for only 3 months. borrow. As a result, at the time of maturity of the time deposit account, the entire amount of interest at the time of contract of the time deposit account (that is, "1000 yen") is paid to the customer, and the interest carried forward of the borrowed amount (that is, "300 yen" (= 200,000 yen)). The customer pays yen x 0.6% / 12 x 3)). Therefore, the customer's balance at maturity is "+700 yen". As described above, in the example shown in FIG. 10, the balance obtained by the customer is larger in the present embodiment than in the overdraft deposit.

Next, with reference to FIG. 11, an example in the case where partial decomposition of the time deposit is impossible will be described. As shown in FIG. 11, in this case, when the fund demand occurs, the customer requests a withdrawal transaction of an amount corresponding to the fund demand, so that the time deposit deposit automatic determination server 10 corresponds to the corresponding. The entire time deposit account is canceled, and the amount of decrease in interest at the time of cancellation (that is, "1000 yen" (= 10 million yen x 0.1%)) is collected from the customer at the time of withdrawal transaction. Then, at the time of maturity of the time deposit account, the entire amount of interest at the time of contract of the time deposit account (that is, "1000 yen") is paid to the customer. Therefore, in this case, the balance of the customer at the time of maturity of the time deposit account is "+0 yen". That is, in the example shown in FIG. 11, the balance obtained by the customer is smaller in the present embodiment than in the overdraft deposit.

As described above, although there may be a case where the balance obtained by the customer is smaller than that of the overdraft deposit, as described above, the present embodiment has the advantage that the customer has less trouble than the overdraft deposit.

<< 3. Hardware configuration >>
Next, the hardware configuration of the time deposit deposit automatic determination server 10 according to the present embodiment will be described with reference to FIG. As shown in FIG. 12, the time deposit deposit automatic determination server 10 includes a CPU 150, a ROM (Read Only Memory) 152, a RAM 154, an internal bus 156, an input / output interface 158, an HDD (Hard Disk Drive) 160, and a network interface. 162 is provided.

The CPU 150 functions as an arithmetic processing device and a control device, and controls the overall operation in the time deposit deposit automatic determination server 10 according to various programs. Further, the CPU 150 realizes the function of the control unit 100. The CPU 150 is composed of a processor such as a microprocessor.

The ROM 152 stores programs, calculation parameters, and the like used by the CPU 150.

The RAM 154 temporarily stores a program used in the execution of the CPU 150, parameters that are appropriately changed in the execution, and the like.

The internal bus 156 is composed of a CPU bus and the like. The internal bus 156 connects the CPU 150, the ROM 152, and the RAM 154 to each other.

The input / output interface 158 connects the HDD 160 and the network interface 162 to the internal bus 156.

The HDD 160 is a device for storing data. The HDD 160 includes, for example, a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, a deleting device for deleting data recorded on the storage medium, and the like. Further, the HDD 160 stores a program executed by the CPU 150 and various data. The HDD 160 functions as a storage unit 122.

The network interface 162 is a communication interface composed of, for example, a communication device for connecting to the dedicated network 24. The network interface 162 functions as a communication unit 120. The network interface 162 may be a wireless LAN (Local Area Network) compatible communication device, an LTE (Long Term Evolution) compatible communication device, or a wire communication device that performs wired communication.

<< 4. Modification example >>
Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person having ordinary knowledge in the field of technology to which the present invention belongs can come up with various modifications or modifications within the scope of the technical ideas described in the claims. , These are also naturally understood to belong to the technical scope of the present invention.

For example, the configuration of the time deposit deposit automatic determination server 10 according to the present embodiment is not limited to the example shown in FIG. For example, one or more of the transaction information acquisition unit 102, the account information acquisition unit 104, the comparison unit 106, the cancellation processing unit 114, and the collection unit 116 is included in the time deposit deposit automatic determination server 10 instead of being included in the fixed deposit deposit automatic determination server 10. For example, it may be included in another device such as the accounting server 30.

Alternatively, the time deposit deposit automatic determination server 10 and the accounting server 30 may be configured as an integrated device.

Further, according to the present embodiment, it is possible to provide a computer program for causing hardware such as the CPU 150, ROM 152, and RAM 154 to exhibit the same functions as the configuration of the time deposit deposit automatic determination server 10. Also provided is a recording medium on which the computer program is recorded.

10 Fixed deposit deposit automatic judgment server 20 Store terminal 22 ATM
24 Dedicated network 30 Accounting server 100 Control unit 102 Transaction information acquisition unit 104 Account information acquisition unit 106 Comparison unit 108 Account selection unit 110 Calculation unit 112 Display control unit 114 Cancellation processing unit 116 Collection unit 120 Communication unit 122 Storage unit

Claims (11)

A comparison unit that compares the amount of withdrawal transactions requested by the customer with the balance of the customer's withdrawal target account.
When it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction, the loss amount of the customer due to the cancellation of at least one time deposit account held by the customer is calculated. Calculation unit and
A display control unit that displays the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one time deposit account is canceled.
For each of the at least one time deposit account, the amount of interest originally expected to be paid to the customer at the time of maturity of the time deposit account is when the time deposit account is canceled or when the time deposit account is not canceled. When the at least one time deposit account is closed, a process is performed to collect the loss amount of the customer from the customer so that the customer is paid the same amount at the same time as the maturity. Collection department and
An information processing system equipped with. The information processing system according to claim 1, wherein the loss amount of the customer is a decrease in interest paid to the customer due to the cancellation of at least one time deposit account. The loss amount of the customer is the amount obtained by multiplying the difference between the interest rate of the time deposit account and the interest rate at the time of cancellation of the time deposit account and the amount of the time deposit account for each of the at least one time deposit accounts. The information processing system according to claim 2, which is the total amount of money according to the above. The amount collected from the customer when the at least one time deposit account is closed is the sum of the customer's loss amount and the withdrawal transaction fee.
The information processing system according to any one of claims 1 to 3, wherein the collecting unit performs a process for collecting the loss amount of the customer and the fee of the withdrawal transaction from the customer together. The amount collected from the customer when the at least one time deposit account is closed is the sum of the customer's loss amount and the withdrawal transaction fee.
The information processing system according to claim 4, wherein the display control unit displays the loss amount of the customer and the fee of the withdrawal transaction together on the display screen. The display control unit further displays an inquiry as to whether or not to approve the cancellation of at least one time deposit account on the display screen.
The information processing system according to claim 4 or 5, further comprising a cancellation processing unit that performs processing for canceling at least one time deposit account based on a response to the inquiry. The customer has multiple time deposit accounts and
The information processing system selects the at least one time deposit account from the plurality of time deposit accounts so that the total amount of each of the at least one time deposit accounts is equal to or more than the amount of the withdrawal transaction. The information processing system according to any one of claims 4 to 6, further comprising an account selection unit. The account selection unit selects one fixed deposit account from the plurality of fixed deposit accounts in ascending order of the decrease in interest paid to the customer due to the cancellation of each of the plurality of fixed deposit accounts. The information processing system according to claim 7, wherein by selecting, at least one time deposit account is selected. The computer
A step to compare the amount of withdrawal transaction requested by the customer with the balance of the customer's withdrawal target account,
When it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction, the loss amount of the customer due to the cancellation of at least one time deposit account held by the customer is calculated. Steps and
A step of displaying the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one time deposit account is closed.
For each of the at least one time deposit account, the amount of interest originally expected to be paid to the customer at the time of maturity of the time deposit account is when the time deposit account is canceled or when the time deposit account is not canceled. When the at least one time deposit account is closed, a process is performed to collect the loss amount of the customer from the customer so that the customer is paid the same amount at the same time as the maturity. Steps and
Information processing methods, including. A comparison unit that compares the amount of withdrawal transactions requested by the customer with the balance of the customer's withdrawal target account.
When it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction, the loss amount of the customer due to the cancellation of at least one time deposit account held by the customer is calculated. Calculation unit and
A display control unit that displays the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one time deposit account is canceled.
For each of the at least one time deposit account, the amount of interest originally expected to be paid to the customer at the time of maturity of the time deposit account is when the time deposit account is canceled or when the time deposit account is not canceled. When the at least one time deposit account is closed, a process is performed to collect the loss amount of the customer from the customer so that the customer is paid the same amount at the same time as the maturity. Collection department and
An information processing device equipped with. Computer,
A comparison unit that compares the amount of withdrawal transactions requested by the customer with the balance of the customer's withdrawal target account.
When it is determined that the balance of the withdrawal target account is smaller than the amount of the withdrawal transaction, the loss amount of the customer due to the cancellation of at least one time deposit account held by the customer is calculated. Calculation unit and
A display control unit that displays the loss amount of the customer on the display screen as a part of the amount collected from the customer when the at least one time deposit account is canceled.
For each of the at least one time deposit account, the amount of interest originally expected to be paid to the customer at the time of maturity of the time deposit account is when the time deposit account is canceled or when the time deposit account is not canceled. When the at least one time deposit account is closed, a process is performed to collect the loss amount of the customer from the customer so that the customer is paid the same amount at the same time as the maturity. Collection department and
A program to function as.

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