JPS59151259A - Bank system - Google Patents

Abstract

PURPOSE:To update amount of deposit (balance) of each account automatically according to inputted dealing information by giving priority order to accounts of plural kinds possessed by the same customer. CONSTITUTION:A CPU11 that performs dealing processing, a memory 12 that stores a program and various data, information files for each customer CIF13, an automatic dealing processing device ATM1 and a transmission control circuit 14 to communicating with a window processing device WD2 are provided in a control center 10. Data of each customer including account number, name, residence, secret code number, and upper limit F and balance of ordinary deposit, upper limit T and amount of deposit of time deposit, amount of issue of national debt, limit of financing and amount financed to the customer are stored in the CIF13. Upper limit F, T are set according to desire of a customer when opening account. Limit of financing is determined to X% of the sum of amount of deposit of time deposit and amount of issue of national debt account.

Description

[Detailed Description of the Invention] Behind the Invention) H This invention (bank system) automatically updates the deposit amount (balance) of each [ ] account in response to manually entered transaction information. Regarding the system.

J5 will be opened at the bank [-1 seat, ordinary Pr.
There is a comprehensive account that combines an i-gold account and a fixed IUj ffn gold CI account, and a bank system has been developed for that purpose.
'l, -v is there. With this system, it is possible to make deposits into a designated [ ] account by specifying either a single account or a time deposit account, and also to make withdrawals and payments. The biggest feature of this system is that it allows you to withdraw an amount greater than the deposit amount (balance) in your regular deposit account in the form of an automatic loan within a limit of 1u, which is determined by the deposit amount (balance) in your fixed deposit account. It's about knowing. However, there is a need for a bank system that can meet even more diversified needs.

Summary of Defense The purpose of this invention is to provide a new bank system that can automatically transfer bank accounts between multiple accounts according to the transaction amount when the same customer has multiple types of accounts. It is about providing.

口）Some automatic accommodations between 13 and 13 are based on interest rates.

Term deposits have much higher interest rates than regular deposits.

Therefore, the customer can arbitrarily set in advance the limit (maximum amount) that can be deposited into the savings account. JJRI customers make deposits-
By doing so, the deposit amount (balance) in the ordinary deposit [-] account
If the amount exceeds a set upper limit, the excess amount will be transferred to a fixed deposit account. On the other hand, if a customer withdraws their deposit, the payment will be made from a savings account with a low interest rate, and if there is a shortage, it will be paid from a fixed deposit or an automatic loan will be provided.

This invention is particularly effective when banks start conducting trust business. In this case, regular savings account, fixed amount of $1
11 deposits in each account plus trust 11)? '-For example, the position of public bonds such as national bonds and local bonds is added. Government bonds have higher interest rates than fixed deposits. Therefore, the customer can receive [-1Pg! ! Set the desired upper limit for J5<. If the deposit of customer 13 + r etc. exceeds the upper limit of one account, the excess amount will be transferred to a fixed deposit, and if it also exceeds the upper limit of the fixed deposit account, the excess amount will be transferred to public bonds. will be transferred to the account. In this way, customers will automatically be able to deposit deposits above their desired maximum amount into an account with a higher interest rate. On the other hand, when a customer wants to withdraw money, the money is first withdrawn from a savings account with a lower interest rate, and the shortfall is either withdrawn from a time deposit, government bond account, or automatically financed.

In other words, in the bank system according to this invention, the same customer has multiple types of accounts, and these accounts are
Noire stores the transaction information of such customers whose priority order has been determined in advance, and the upper limit of the amount that can be deposited into that account is predetermined for higher priority accounts. An input device for manually inputting at least the transaction amount, customer identification code, and transaction information.
, a3 and if the transaction is a deposit that includes an automatic transfer instruction,
The transaction amount is added to the deposit amount in the [] account with higher priority of the customer conducting the transaction, and the deposit amount in the [1] account is
If the maximum amount for a bank account is exceeded, the excess amount will be transferred to a lower priority account and the deposit amount for each account will be updated.
It is characterized by being equipped with a processing device. Generally speaking, if the transaction is a payment that includes an automatic debit instruction, the processing device will detect a deficiency if the transaction amount is greater than the deposit amount in the higher priority account of the customer making the transaction. It is preferable that the deposit amount in each 1" account be updated by debiting the account with a lower priority. In this case, set a minimum amount (even zero) that can be withdrawn from the account with a lower priority.

As mentioned above, Shinkin Banks have ordinary deposits, fixed deposits, and fixed deposits! 11 T
j′1In addition to gold, public bonds are also included. Therefore, the amount of deposits refers to the balance of ordinary deposits, the amount of time deposits, the amount of public bonds issued, etc. Examples of customer identification include the so-called Ba identification number, L account number, and other identification numbers. If there is an account number for each account, create an index table for each customer that can reach the account numbers of all -b accounts of customer A.
Well, a customer can be identified by only one account number. Of course, it is no wonder that it is a good idea to give only a unique account number to multiple accounts.

Embodiments of the present invention will be described in detail below with reference to the drawings.

Example No. 2: In this example, a customer can have three accounts: a four-way savings account, a fixed-term deposit account, and a government bond account, and one account number is created by combining these 30 accounts. It is assumed that the person is facing the person. Savings]]P's (・W has the highest order, followed by fixed deposit account, 11] Receiver II, and 4. This is the order of lowest interest rate. An upper limit amount is set.A lower limit amount is set for 1 account for time deposits and a government bond account, but in this example, the lower limit amount is zero and J
Ru.

Types of transactions include deposits (deposits) and withdrawals (withdrawals).For deposits, there are also automatic transfers and 1] account designation. If the deposit amount exceeds the maximum amount, the excess amount is transferred to a lower priority [
This refers to changing the shooting to the first theater and making a deposit. Specifying an account means depositing money into only one specified account. In this example, depositing money into an account with a higher priority by specifying an account is meaningful as long as the deposit amount in account A does not exceed the upper limit, but [-1] It is also possible to prohibit automatic transfers.

Withdrawals include regular withdrawals, loans, designated cancellations, and automatic cancellations. Ordinary withdrawal basically refers to withdrawing money within the balance of the ordinary deposit account, but if the balance of the 1g account reaches zero, it is possible to withdraw money from fixed deposits and government bonds through non-life insurance. Automatic financing is possible within the limit. Loan and automatic loan within the above loan limit. Designated cancellation means canceling and withdrawing the specified amount (in the A3 account) at the designated account. If the deposit amount exceeds the deposit amount of the higher-ranked deposit account 1, the deposit amount of the lower priority deposit account [21st deposit account] is canceled and paid.

FIG. 1 shows the overall structure of the punk system. Banks have automatic transaction processing equipment;
) (1) and the FWM (hereinafter referred to as FWM) (2) are installed.

Δ-1'M(1) is when the customer himself operates A1'M.
In particular, it is used to process a predetermined transaction, and as is well known, a magnetic card is used to check whether the customer is a legitimate person who can carry out the transaction. WM (2) is operated by bank staff to conduct customer transactions.

These A'TM (1) and WM (2) are connected to a control center (10) via a communication line. A
From TM (1) and WM (2), transaction type, [■]
K14 number, transaction amount, and other transaction data are sent to Center <1
0). At the center (10), J1 (described later)]
(('J Naware, transaction availability, transaction data is ATM
(1), WM (2), these terminals deposit or release money depending on the type of transaction. Of course, the staff can collect the money themselves. In this case, WM<2) etc. perform printing of transaction data.

△-FM (1) and WM (2) are provided with keys for manually inputting the type of transaction, and these keys manually select the type of transaction, ie [-] account-designated deposit, automatic transfer deposit, normal withdrawal, Either loan withdrawal, designated cancellation withdrawal, or automatic cancellation withdrawal will be set.

It may also be possible to specify automatic transfer deposits only by specifying deposits, and automatic cancellation withdrawals only by specifying withdrawals. Other transaction types are specified by other keys. The transaction amount is generally entered from: 1-board; [] J3 is entered manually using a magnetic card or passbook for J3 in J3, LJ, Δ-1-M(1), and input is entered manually using a passbook or a keyboard for WM(2).

-1 n1 ~ ") - le center (10)
0), a CPU (11) that performs transaction processing in J-3, and a memory (11) that stores its program and various data.
12), a customer-specific information file (hereinafter referred to as CIF) that stores data related to each customer's transactions for each customer.
3) and a transmission control circuit (14) for communicating with the ATM (1) and the WM (2). CIF(1
3) For each customer, their account number, name, address,
Other customer data including Bito Ii Raba 111'H security number, maximum amount F and balance of savings account, maximum amount of time deposit account - "O" and deposit amount, light of national bond account Stores the line type, loan amount, and total amount loaned to the customer (loan amount). The upper limit [-11 is set arbitrarily at the time of account opening [according to the customer's wishes]. The loan limit is set to be, for example, 90% of the sum of the deposit amount in the time deposit account and the issued amount in the government bond account.

Figure 2 shows the transaction by CPU (,11).
The main part of the ship is shown. ATM (1) or WM (2
), 1- in the transaction data is transmitted.
The customer's account is searched from the first account number. If the corresponding account exists, it is determined whether the deposit is a withdrawal based on the data regarding the transaction type (steps (21) and (22)).
. In the case of a deposit, it is then determined whether the deposit is to be made to a specified account or automatically deposited (Slap (23) (24)). If the relevant account is invalid, a message to that effect will be created,
ATM (1) or WM (2) that sent the transaction T-Y
The message is transmitted to >.

Step 23) If you make a deposit to a designated bank account, please enter the deposit amount (23).
The transaction amount (deposit amount) in the transmitted transaction data is added to the balance, deposit amount, or issue amount (τ) (step (25)
). Then, the information that the corresponding LJ account data of CIF has been updated and the updated data (new deposit amount) etc. will be displayed at the corresponding ATM.
(1) or WM (2>), and processing at the center ends.

In the case of automatic transfer deposit (step (24)), first, the deposit amount is added to the balance of 1 account.

This is called an added balance (step (26)). Check whether this additional balance exceeds the upper limit (F).
(step <27)). If the additional balance is less than the limit amount F, the additional balance is deposited as is and one copy is stored as the new balance in the account (step (28)), and the process ends. After this, the transaction data including the new remaining IB is Δ1'
Needless to say, it is transmitted to M(1), etc.

If the additional balance exceeds the upper limit (Step (
27) ), the first transfer amount to the time deposit account is calculated as the first transfer amount - the supplementary balance - the upper limit amount (step (29)). In this calculation, the first transfer amount is a fraction (
For example, if the amount exceeds 10,000 yen, it will be rounded up. Next, the new balance of the savings account is determined as the new balance minus the additional balance minus the first transfer amount, and this new balance is stored as the balance of the savings account (step (30)). As a result, the new balance in the savings account [] will be less than the upper limit F, and the fraction will remain in this new balance.

Subsequently, the first transfer amount calculated in step (29) is added to the deposit amount in the time deposit account.

The result of this addition is called the additional deposit amount (step (3+))
, 7] 0tfi It is checked whether the deposit amount exceeds the limit T (step (32)).

If the added amount is less than or equal to the limit T, this added deposit amount is stored as a new amount in the time deposit account (step (33)). Since the fixed deposit amount has been updated, the loan limit is also updated accordingly (step (37)).
). Then, data including the new savings account balance and time deposit amount is transmitted to the ATM (1) or the like.

If the additional deposit amount exceeds the upper limit 1, step (32)), the second transfer amount to the government bond account is 2nd transfer 1 amount =
i is withdrawn as the Canadian deposit amount - upper limit T (step (3)
4)). Then, the upper limit T is stored as the new deposit amount in the time deposit [] account (step (35>)), and the issued amount of government bonds is updated by adding the second transfer amount to the issued amount of the government bond account ( Step (36)).Finally, the loan limit is calculated using the new time deposit amount a3 and the government bond issue amount (step (37)).

Needless to say, the new balance, deposit amount, and issued amount are transmitted to the ATM (1) and the like.

If the transaction type is a withdrawal (step (22)), the type of withdrawal is determined (step (41)).
(42) (43) (44) '). In the case of regular withdrawal (step (41)), first AV'M (
It is checked whether the transaction amount (withdrawal amount) transmitted from 1), etc. is within the total amount that can be withdrawn (step (45)).

Total amount that can be withdrawn Here, it is the value obtained by reducing the loan amount (already loaned amount) from the sum of the savings account balance and the loan limit. If the total amount that can be withdrawn is within the total amount that can be withdrawn, then it is checked whether the withdrawal amount exceeds the Yutsutsu deposit balance (step (46)).If the withdrawal amount is within the ordinary deposit balance, the withdrawal amount is withdrawn from the ordinary deposit balance. The withdrawal amount is reduced or exempted and the balance is updated (step (47)).If the withdrawal amount exceeds the savings account balance, automatic financing is required.

The ordinary ■/n gold balance is set (updated) to O, and the difference between the withdrawal amount and the ordinary account balance before the update is added to the loan amount (step (4g>).Instead of this process, the ordinary account balance 3. In any case, after completing steps (47) and (48), it is possible to withdraw money and the new savings account balance will be saved. (including negative balances) and, if necessary, the FAll funds are transmitted to ATM (1), etc. In step (45), if the withdrawal amount exceeds the total withdrawal amount, withdrawal is not possible. (Step (65)) A message indicating that withdrawal is not possible is transmitted to the ATM (1) or the like.

If the transaction is a loan, in step (42)), it is first checked whether the withdrawal amount (desired amount of 1 million funds) is within the total loanable amount (step (49)).

Here, the loanable total amount is the value obtained by subtracting the loan amount from the loan limit. If lia funds are available, add the withdrawal amount to the loan amount and update the loan amount (step (50))
.

If the transaction is a designated cancellation (step (/13)), it is booted to see if the withdrawal amount is the deposit amount (or Iζ) of the designated account (or Iζ is within the range of issued amount > 0 (step (51)),
If cancellation is possible, the withdrawal amount is subtracted from the designated jζ deposit amount (issued amount) and the deposited amount (issued amount) is updated (step (52)). The loan limit amount is also updated accordingly (step (53)).

In case of transaction classification or automatic cancellation (step (44))
First, it is checked whether the withdrawal amount is within the total deposit amount (step (54)). Here, the total amount of deposits refers to the sum of ordinary deposit balances, time deposits, and the amount of 1 work 1 bonds issued. If the withdrawal amount exceeds the total deposit amount by 4, the withdrawal is not possible (step (65)), and it goes without saying that this is notified to A-rM (1) and the like.

If withdrawal is possible, it is checked whether the withdrawal amount exceeds the savings account balance (step (5!i)). If the withdrawal amount is within the ordinary account balance (step (56)), the withdrawal amount is subtracted from this balance and the ordinary account [1 account balance is updated (step (56)), and a message indicating that the withdrawal is possible and the new balance amount is displayed. A message including ΔT'M(1) is transmitted.

If the withdrawal amount exceeds the savings account balance, you will be required to cancel your fixed deposit account according to the insufficient amount. Therefore, the first withdrawal amount from the fixed deposit account or the first withdrawal amount - withdrawal amount - balance will be used in step (57).
) ). At this time, the fraction of the first debit amount will be rounded up. Also, a new balance in the savings account is debited and updated based on the balance - (withdrawal amount - first withdrawal amount) (step (58)). It is checked whether the amount withdrawn exceeds the amount deposited in the fixed deposit account (step (59)).If the first withdrawal amount is smaller than or equal to the fixed deposit amount, the fixed deposit is canceled. The first withdrawal amount is subtracted from the amount, and the result of this numbing is the new fixed 1111 deposit amount (step (6(1)).Then, the loan limit is also updated using the new deposit amount (step (+31)).After this, the notification that the withdrawal is possible, the new balance, the new deposit amount, etc. is transmitted to the ATM (1), etc.

If the first withdrawal amount exceeds the fixed deposit amount, the government bond must also be canceled.

For this purpose, the second withdrawal amount is calculated based on the first withdrawal amount and fixed deposit amount (step <62)). And, the deposit amount of the fixed deposit account is set to O (Sfu-tsubu (63)
)), the new government bond issuance amount is calculated and updated by subtracting the second withdrawal amount from the government bond issuance amount.
64)). Finally, a new loan limit is tightened with the new loan amount (-〇) and the government bond issue amount (J, -) (step (61)). Thereafter, the notification that withdrawal is possible is transmitted to the new Suzutsu Pfj money balance, time deposit amount, 1') iI government bond issue amount Δ1-M(1), etc.

[Brief explanation of drawings]

Figure 1 is a block diagram showing the bank system, Figure 2 f
iL: In 1-[]-le center (reducing the immediate procedure) []-・]も↑1-i. (1>... A'TM, (2) WM, (10)... Center, (11)... CPU, (
13) ... CIF Ding. - Patent ¥1 Applicant: vL Ishidenki Co., Ltd. Figure 1

Claims (1)

[Claims] ('1) There are multiple types of accounts in the same person's Ir1 account, and these accounts are assigned a priority order in advance, and the account with a higher priority has a priority order. ``Describe transaction information for each customer for which the maximum amount that can be deposited in one account is predetermined, at least the transaction amount and customer identification.'' - Door A-3. An input device for inputting the type of transaction (13J, if the transaction is a deposit that includes an automatic transfer instruction, adjusts the transaction amount to the deposit amount of the higher priority account of the customer conducting the transaction, A bank system comprising a processing device that transfers the excess amount to an account with a lower priority and updates the deposit amount of each account when the deposit amount of the account exceeds the -L limit of the account. (2) In the case of the above-mentioned procedure 3!II, if the transaction is a payment that includes an automatic debit instruction, the transaction amount is less than the deposit amount of the higher priority account in which the transaction is being executed. If there are too many people, the shortage will be given a lower priority r-Tl 214 /Jl
The bank system according to claim (1), wherein the bank system updates the deposit amount of each account by debiting the bank account.