JPS5983273A - Receipt and payment managing device of individual account - Google Patents

Abstract

PURPOSE:To prevent drawing of a wasteful charge, by comparing automatically the current balance and a minimum limit balance with each other when a check is issued and giving the alarm if the current balance is smaller than the minimum limit balance. CONSTITUTION:An area MC of a memory 22 consists of four registers O, P, Q, and R, and the current balance is stored in the register P, and a minimum limit balance of a pertinent account is stored in the register Q. When a check is issued, the current balance and the minimum limit balance are compared with each other automatically; and if the former is smaller than the latter, the alarm indicating this state is given. Consequently, the amount of money of the check is always managed within the minimum limit balance.

Description

[Detailed Description of the Invention] [Technical Field] The present invention relates to a personal account deposit/withdrawal management device that allows an individual to manage deposit/withdrawal status of an account such as when writing a check or making a deposit.

<Prior Art> A portable conventional device that can manage the deposit and withdrawal status of personal accounts is, for example, tJsP, No.

There is an apparatus disclosed in No. 4,222,109. 1.1 This deposit/withdrawal management device has a user key for inputting L's former owner's transaction information such as check amount or deposit amount, and records the current balance.
and a means for updating the current balance each time transaction information is input.
This allows you to know your current balance at any time without looking at the receipt/withdrawal details.

However, in the above-mentioned deposit/withdrawal management device, the deposit/withdrawal information is added to/subtracted from the current balance, and the result is updated and stored in the current balance storage means. If there is a difference between the current balance calculated by the money management device, it is impossible to know whether the difference is due to an error on the part of the bank or an input error in the deposit/withdrawal management device, and it is difficult to know when the deposit/withdrawal was made. There was a drawback that it was impossible to determine whether a calculation error had occurred.Furthermore, if a check was written when the current balance was less than the predetermined minimum deposit balance, a fee would be charged at a fixed rate. However, since the above-mentioned deposit/withdrawal management device does not know the minimum deposit balance, it is not possible to immediately know whether the current balance is less than the minimum deposit balance, and it is difficult to adequately manage check issuance. The purpose of the present invention is to eliminate the above-mentioned drawbacks, and to identify where and when the mistake occurred when there is a difference between the balance on the book and the balance on the deposit/withdrawal management device. In addition to making it possible for individuals to easily manage their bank balance, if the current balance is less than the minimum deposit balance when writing a check, a warning will be issued to that effect, thereby reducing unnecessary fees. To provide a deposit/withdrawal management device for a personal account capable of preventing withdrawals.

<Configuration and effects> This invention can be summarized as follows.

1. Record the carryover amount from the previous month along with the current balance storage means.
1, a previous month's carryover amount storage means is provided, and the carryover amount of the statement sent at the end of the month can be input into the previous month's carryover amount storage means using an input key. Furthermore, a storage means for registering transaction information is provided for registering the check number and check amount or deposit amount each time a check is written or deposited. A second storage means is provided, and when a verification is instructed, the check amount registered in the registration storage means is sequentially subtracted or the deposit amount is sequentially added based on the previous month's carryover amount, The results of those additions and subtractions are displayed in order. Further, the minimum deposit balance storage means stores the minimum deposit balance in advance, and when writing a check, the minimum deposit balance is compared with the current balance 71i, and a warning is given when the minimum deposit balance is smaller than the current balance. Before you set up a means and make a small investment, first check whether your current balance is greater than the minimum deposit balance. According to this invention, which warns when the current balance is less than the minimum deposit balance, the operator will be sent a ``1'' when checking! 91
By correlating in+ +q with the display contents and confirming whether there are any mistakes in deposits or withdrawals, individuals can manage their accounts more accurately, and when writing a check, the current balance is automatically displayed. A comparison is made with the minimum deposit balance, and if the former is less than the latter, a warning is issued, so the check amount can be managed within the minimum deposit balance set by the bank. .

<Embodiment> FIG. 1 is an external view of a deposit/withdrawal management device which is an embodiment of the present invention.

In the figure, a main body 1 is provided with a liquid crystal display 2 and an entry key 3.A case 4 is used to attach the main body 1, store a plurality of college cards, and store personal checks (checks). ) A card boulder 5° for fixing the spelling 6 and a boulder 8 for fixing the ballpoint pen 7 are provided.A terminal la for external equipment is formed on the side of the main body 1, and a printer 9 which is an optional device is provided. I am making it possible to connect to this terminal la.

The human key 3 is composed of numerical keys 3a, function keys 3b for performing four arithmetic operations and reading into memory, and function keys 30 for inputting transaction information. The function keys 3c are the YES key and the No key, which are used when checking whether the displayed content is correct or incorrect, the HELP key, which is operated when the usage status of the device is unknown, and the E key, which is used when inputting transaction information.
It consists of the NTER and R keys.

FIG. 2 shows an example of the display state on the display 2. FIG. The first number 1012 does not represent the check number. Next 1
055.89 represents the check amount ($). Further next 1
175.42 represents the current balance (current balance).

FIG. 3 shows the display state when determining the operating mode of the device. This display state is formed when the power is turned on, and inquires whether the operation mode is to be set to check mode, credit card mode, or δ1 calculator mode. Oyster-3 7, 8.9. The keys ÷ and Cl0N are arranged in the positions shown in the figure when this inquiry is displayed. The operation mode is determined each time one of the input keys 7, 9 or Cl0N is turned on. Of course, turning on the 7 key selects the check mode, turning on the 9 key selects the tally card mode, and turning on the C/ON key selects the calculator mode. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is selected. At this time, each of the five types of keys is located just below the displayed positions of A, B, C, D, and E, as shown in the figure. Therefore, for example, if the 7 key is turned on, card A is selected, and if the ÷ key is turned on, the card Dir< is selected.

FIG. 5 is a block diagram of the deposit/withdrawal management device of this embodiment.

The CPU 20 includes a ROM 2 for storing programs, and a transaction information IHI]'t. The RAM 22 in which other work areas and flags are divided is connected in a helical manner, and input data from input key 3 is taken into the CPU 20 via l1023.Display data is also input to l10.
It is displayed on the display 2 via 23. In addition, auto clear key ΔCL, Toyobi 1 part end 7-E month 102
Connected to 3.

Figure 6 is a memory map of the main part of N122 to R. Area M A constitutes a storage means for registering transaction information, and records check No. 1 (check number) and the amount of check No. 3 (check amount). 30 registers each
O~N29. It has MO-M29.

Area MB is an area MC consisting of five memories that store the cumulative amount used for each of five types of cards 8 to E.
consists of four registers O, P, Q, and R. Register O stores the opening balance, which is the amount carried over from the previous month. Register I) stores the current balance, Karen]. Register Q stores the minimum balance, which is the minimum balance of the account. The minimum balance is the minimum balance in your bank account that allows you to avoid being charged a fee by 61 banks when writing a check. Register R stores the number of the last cut, 1-tick.

Area Ml) is composed of four KW- registers x, y, z, and w and a memory M for storing calculation data. Area ME is composed of counters n, d, and b, and counter n is the area MA. Specify the addresses of the 30 registers of
Counters d and b are set in RECONCI LE mode (described later).
Used when executing the deposit/withdrawal matching routine).

Next, the operation of the deposit/withdrawal management device having the above configuration will be explained with reference to the flowcharts from FIG. 7 onwards.

FIG. 7 shows the main routine.

First, when the battery is inserted, the initialize subroutine INT is executed at step nO (hereinafter step ni will simply be referred to as ni). In this initialize routine INT, the opening balance, current balance, minimum balance, and last 1-check NO0 necessary for deposit/withdrawal management are stored in the area MC of the RAM above.
1. f&ed. FIG. 8 shows a flowchart of this initialization subroutine.

At r130, memory resent is performed. The areas to which the recess 1 is symmetrical are all the areas shown in FIG. Next, '1IELLo NICE' with rI31~n33
MgE'r''”To You, T' M YOUR
``PROPERT'' Y M to N 〇 E R'' contents of the greeting are displayed in three stages in sequence at intervals of 0.5 to several seconds. After finishing this display, n34. “PLE” on n35
ASE EN'rER''” OP E N r N
GBΔLΔNCB” and prompts you to enter the opening balance, which is the actual bank account balance of last month.

The subroutine E6 of n36 is a subroutine that stores in the register X the amount entered manually using the input key.

The flow rate of this subroutine E6 is not shown in FIG. First, in n70, “ΔMOUNT= (X)”
is displayed to prompt you to enter the amount using the numerical keys. n71
The numerical data input from the human key 3 is stored in the register X, and its contents are displayed on the display 2 at the same time. Numerical data input until the rE N T E P key is pressed is stored in register X, and returns when the ENTER key is pressed.

At n35 in FIG. 8, the opening balance is in a waiting state for input, so the opening balance is stored in register X when subroutine E6 at n36 is executed. At n37, the contents of this register X are transferred to register 0 where opening-<<lance is registered. And n38~n, THΔN KY at 40
OU” “PLEASE ENTER”
“MINTMUM BALΔNCE” is displayed, and then the input of mini-mano balance is prompted. ” Similar to n36 in 2, the minimum balance is subroutine E6 of n41.
is stored in register X by Further, the minimum balance stored in this register X is transferred to register Q. n43. For n45, "T" 11ΔN
KYOU” “PLEASE ENTER”
"LΔS TCHE CK NO," is displayed to prompt the user to enter the last check NO. And n4
6, save last check NO1 to register X, and n
At step 47, the contents are transferred to register R. Also, n48
~n50, “TIIANK YOU””PL
EASE ENTER""CURRENT BΔI
.

ΔNCE” will be displayed to prompt you to input the current balance.

When the contents are input at n51, the current balance input at n52 is transferred to the register P. After storing the opening balance, minimum balance, last check No. 9, and current balance in registers O, Q, and R3P as described above, next n53. n54 “'T II A N K
Show your gratitude by saying "S"YOUR Co-0PERATI ON". Furthermore, 'OP' in order from n55 to n59
N to B LXXXX, XX”” MIN BALx
xxx, xx””LAST No.

××××””CRNT BALxxxxx, xx”0I
the law of nature? ” will be displayed, and you will be asked if the entered information is correct.
[Encourage verification operation. If these four types of data have been entered correctly, the operator turns on the YES key. If it is not correct, turn on the No key. If the No key is turned on, the process returns to n34 and prompts for input from the opening balance again. When the YES key is turned on and the input is completed, the process returns to the original main routine.

In the main routine nl, "CHE Cl(?
C△Rr)? CALL? ” is displayed (3rd
(see figure).

This display state is now <ST>. As mentioned above, this <
The ST> state is a state that prompts the determination of the operation mode of the deposit/withdrawal management device. The operation mode can be determined using 7 of the input keys.
, 9 or Cl0N is operated. n3 to n5 are the determination steps. HE L P in the state of <3'1'>
When a key is operated, execution of subroutine H1 from n2 to n6 begins.

FIG. 10 is a flowchart of this issue's blue routine I-11. In this subroutine H1, first n80, n8
In 1 uWOULD YouUsE””F O
RCII E CK BOOOK" and asks if this device is to be used in check mode. At n82, it is determined whether the YES key or the No key has been pressed, and if the YES key is operated, the Proceed to n8 of the main routine in Figure 7. If you press the No key, proceed to n83, then proceed to n83.n84T"W
OtJ L D Y OU'IJ sE″” F O
RCA Rl) MIE MORY'' is displayed to inquire whether this device is to be used in the card mode.If the YIES key is operated at n85, the process advances to n14 of the main routine in FIG.

Also, if the No key is operated, proceed to n86, n8G, n
87 smell T”WOULD YOLJ USF,”
“FOFn CA L CU L A TI ON”
will be displayed and will ask you if you want to use this device as a calculator.

If the YES key is operated at n88, the process advances to n7 of the main routine in FIG. If the No key is operated, the process returns to 01 ST> of the seventh mother's main routine.

In the subroutine H1, the operation mode]' is determined by the type of interaction with the device. Therefore, if the operator does not know how to use this device,
By operating the rE L P key, the operating mode can be easily set by interacting with the device itself.

Returning to the main routine of FIG. 7, if the 7 key is operated in the <ST> display state, the check mode is selected and the process advances to n8. In n8, “'WRITE CII E
CK? ” and asks whether to write a check. If so, proceed to n20 and execute subroutine WC.
Execute K. If not, go to nlO and select “DEPO”
3TT? ” and asks whether to make a deposit. If the YES key is operated, proceed to n19 and execute subroutine DEP. If not, proceed to n12 and “RECONCILE? ” will be displayed and you will be asked whether you want to check the deposits and withdrawals you have made so far. YES
If the key is operated, the process advances to 18 and subroutine l'? E
Execute C. Otherwise, return to nl <ST>. Further, if the HELP key is operated at n9, nil, or n13, the state immediately returns to the <ST> state of nl.

On the other hand, if the 9 key is operated in the <ST> state, n4-n
Proceed to step 14. As mentioned above, the operation of the nine gear selects the tare card mode. n l 4 first” CI
I A RG E CA RD? ” is displayed, and the user is asked whether or not he/she wants to use the car 11 to purchase the item.

If the YES key is operated, proceed to n22 and subroutine C.
Execute to I. If the NO main key is operated, the process advances to 016, "PΔY M E N T?" is displayed, and the car 1.
- Inquire whether you would like to pay for the use of. If the YES key is operated, the process advances to r121 and subroutine I) ΔY is executed. If that's the case &J then nl<
Return to ST>. Also, HE in n15 and n17
If the L P key is operated, r+ l (ri< S ′
Return directly to F>.

If the C/ON key is operated in the above <ST> state, the 81 calculator mode is selected and the 81 calculator subroutine of nl is executed. The old calculator subroutine of nl is composed of known routines. And in the middle of that HE
If the L P key is operated, the nl < S T
>Return to status.

As described above, in the <ST'> state, one of the operation modes of check, y-tsuku, credit card, and calculator is selected, and furthermore, the operation contents in each mode are determined and the corresponding subroutine is executed. Set.

Next, the operation contents of each of the subroutines selected in steps n18 to n22 will be explained.

FIG. 11(A) is a flowchart 1 of the routine WCK executed at n20 of the main routine.

n 9 Q is a Brugen WS that performs a write check process when turning off a check in check mode. After performing the necessary processing in this subroutine, “N” is displayed in n91.
p, xT wnr "rE?" is displayed and asks whether to write another check, Y F, S in r192
If the key is operated, the process returns to n90, and if the NO primary key is operated, the process returns to the <ST> state.

FIG. 11(B) is a flowchart of the write check processing enable WS.

First, at n100, a lower subroutine nC is executed. In this subroutine nc, areas MA of the RAM 22, ie, N where check No. 1 and amount are stored,
1' Determines whether the 30 M registers have been used. After completing the determination, the subroutine CC is further executed at n101.

In step 2, it is determined whether the current current balance is less than the minimum balance. The subroutines nc and n'f'HIII of CC will be described later.

When the above determination process is completed, the contents of the Karen 1 balance stored in the register P are displayed at n I 02. At this stage, the operator can know whether the amount of the check he is about to write is less than the current balance of 1 minus the balance, and can also determine whether the balance at the time of writing the check is more than the minimum balance. It can be folded once. Furthermore, in n103, it is assumed that chia and tsuku are cut continuously, and 1 is added to the current last check no. 0 stored in register R to display check no. 0, and it is asked whether this is OK. . YES on n104
When the key is operated, n I (proceed to 15, the displayed check NO0 is correct 4), and the contents stored in the current register R plus 1 are used as a work area for the calculator. Store in register Y of . On the other hand, if the No key is operated at n I (14, "1'?" at 0106, N T EI Ma CIIEC
"K No." is displayed, without prompting the user to input the correct check or NOo.Then, the subroutine E4 of n107 is executed.

FIG. 12 shows a flowchart of subroutine E4.

First, in n73 “cr+EcRNO,=(Y)′”
is displayed, prompting you to enter check NO.

Then n74. The data input at n75 is stored in register Y. E
When the N'FF and R keys are operated, the process returns to the previous step.

When the execution of the above routine E4 is completed at n107, the correct check No. 1 will be stored in the register Y every time it is completed, but the check No. 3 that has been checked from check No. 1 to register Y will be already stored in the area MΔ of the RAM 22. It is determined whether it is registered (n10B). If it is already registered, proceed to n109 and select “EN TIF, RA”.
``MOU N i''' is displayed and the check amount is input (less).Then execute subroutine E6 with n l l (l) and store the check amount in register X. Next, input the check amount in register Y. -Display the checked check No. 0 and the check amount stored in register Determine whether area MA of RAM 22 is full. If so, proceed to n ] ] 5.
The contents of register Y are transferred to register R as last check No. 3. Also, the amount in register X is subtracted from the current balance in register P, and the result is stored again in register I). When the memory becomes full, the same process as n i I 5 is performed, and the contents of register Y are RM'd to register N rl of area MA, and the contents of register X are registered to register Mn. Furthermore, the counter n is incremented. Then, at n117, the registered check No. 0, the check amount, and the current balance are displayed, and the process proceeds to nll'8. n 1] In 8,
Compare the current balance and minimum balance in the same way as for the two series n101.

-・If the No key is operated at n112 in -1-,
At n113, 'I)LEASE REWRITE' is displayed.
and input processing of stamp money Wll is performed again.

- The flowchart of the subroutine nc of Jl Note n 100 is shown in the 111th threshold (1).

Counter n is a register N that can be registered with a maximum of 30.
and the address of M. If this value exceeds 30, all 30 registers have been registered and no more can be registered. Therefore n ] 2 (l
If the value of n exceeds 30, then n121 to n123
``MEMORY Is EMPTY''゛'P
1. rEΔS E RE CORI)”'I゛0
ΔNY)ΔP ER” is displayed to indicate that registration is not possible. If the value of n is 30 or less, the process returns to the original state without doing anything.

ff511 Figure (E) is a flowchart of subroutine cc.

This subroutine compares the current balance stored in register P with the minimum balance stored in register Q as described above, and adds 1 when the current balance is less than the minimum balance. It's Chin. First, the contents of register P and register Q are compared at n124. If the former amount exceeds the latter amount, it will return to the original state without -U°, but if that happens, at T1125 to n128,
CΔtJ T I ON″゛PLEASE REMI
EMBER″” Y OtJ M UST P y
”“'CIlΔRGE! ” and warns that what to do if the current balance is less than the minimum balance, that is, you will have to pay a fixed rate of 13 fees to the bank. If you see this notice, you will know that you will have to pay a fee to the bank.Therefore, if you are trying to avoid paying a fee, you should make a deposit directly or All you have to do is cancel the check you wrote.

'', the cancellation process for the check can be performed by the above-mentioned subroutine WS. First, check number 9 that you want to cancel.
manually in n107. Then n108=n
Proceed to 130. Since the contents of the selected register M are not code F, display the input number entered here and the amount registered there, and cancel (Volt)). What kind of lit
Display the certification. If you want to cancel by operating the YES key, store the amount of 7-d F in the register Mn, add the amount of Mrl to the current balance, and then display the current balance as 1-1. It goes back to normal. With the above process, you can cancel the check once it has been cut.

On the other hand, the canceled check will also be registered in the same way as the 1ffI wealth check through the above procedure, so if the canceled check No. 9 is entered when the check is written, n l 30-”n135 Proceed to “I'l”
Displays S VOIDED° to W and that a canceled check is registered in the register. and n113
- Proceed to display a prompt to enter a new check and hand number.

As described above, when you cut a check or cancel a check that has been cut, you can input those entries to area MΔ.
cormorant. Also, each time you write a check, it is determined whether the area MA is full or not, and if it is full, it is displayed to that effect, and the Karen I balance at the time of writing the check is less than the minimum balance. If it is determined that the crack is broken, a message to that effect will be displayed to call attention to it.

Next, in the main routine of FIG. 7, subroutine D
The operation when IEP is selected will be explained.

FIG. 13 shows feature 1 of this subroutine DEP.

First, in n210, a lower subroutine nc is executed (FIG. 11(D)). Zunawara first area MA
The registration status of the register is determined, and if all 30 registers have been used, a message to that effect is displayed to draw attention. Next, the current balance is displayed. And in n212 "EN TIE1? 8M OtJ
NT” is displayed and the input deposit amount is stored in register
Store it in ((n213).

The result is ' N r? , W +3 A L x
x x x, x x OK? Display ゛゛ and ask if it is OK. If the YF or S keys are operated, it is determined at n217 whether the number of registered registers exceeds 30, and if so, the contents of register Y are recorded in register P1. Return by investing. -・If LJ is not exceeded, the contents of register Y are transferred and stored in register P in n219, the contents of register X are registered in register Mn, and the deposit code F is transferred to register N.
Register to n. Furthermore, the counter n is incremented. If the NO key is operated at n216, the process advances to n220 and "PL EΔSl", RP, WRITE"
will be displayed, prompting you to enter the deposit amount again. As described above, the deposit operation in the check mode is completed.

Next, in the 7121st main routine, subroutines C and I
The operation when IΔ is selected will be explained.

Subroutine CI-IA is executed when purchasing an item with a credit card. FIG. 14 does not show the flowchart I of this subroutine C1lΔ.

First, at n140, a lower subroutine AE is executed. In this subroutine Ar=, one arbitrary card is selected from five types of cards 8 to E. 1st
FIG. 5 shows a flowchart of this subroutine 8E.

First, the display shown in FIG. 4 is performed at nI50.

As mentioned above, selecting any card from among the cards Δ~■3 is 7~9. ÷, It is performed by 1M operation of any one of the five types of keys of Cl0N. Then, when any key is operated, the car I' displayed directly above the operated key is specified at n152 (n152).
. If the IIE LP key is operated in addition to these keys, n154 to n156 will be 1 11 AVE 5 M
EMORIES””PIF, ASE ASSIGN
``” rE A CII CA R1,) i”
0A-E" is displayed to prompt the user to operate one of the five types of keys.

Returning to FIG. 14, n ] 40 leaf routine AE
When this is executed, the charges of the selected card are displayed in nl 41, and a confirmation display is performed to confirm whether the selected card is correct. Y If the I-< S key is operated, the user is prompted to input the purchase amount, and the purchase amount stored in register X is added to the charge at n144, and the addition result is transferred to register X.
(n 145). Then, the new charge is displayed on n146, and the user is prompted to confirm whether or not the new charge is correct. If the YES key is operated, the new charge is stored as the cumulative amount of the card used, and the process returns to the original state. Also, if the NO primary key is operated on n 147, "l) L
L', 8SE REWRITE" should be displayed n14
9) Return to n143 and manually process the purchase amount again. This completes the operation of the subroutine CHA.

The main routine in Figure 7 is the card payment processing routine l.
) If ΔY is selected, flowchart 1 in Figure 16
・is executed.

First, n160, which is similar to the purchase subroutine of the above card.
is executed and an arbitrary card is selected.

Then, the cumulative amount is displayed at n161, and an inquiry is made as to whether this is acceptable. If the YES key is operated, select “W RT 'F17.C1
113CK? ” is displayed. If that is the case and the YIES key is operated, the process proceeds to n l' G 5, and the previously described subroutine WS is executed. If the payment is made in cash, etc., the process proceeds to n166. ”EN T E
``MOU N'F'' is displayed on R to prompt the user to input the amount, and the subroutine E6 is executed, and the amount is stored in register is charged, so subtract that amount from the total amount on the card and memorize the subtracted amount again.Then, display the new charge and return.

Next, in the main routine of FIG. 7, the operation when the subroutine REC is selected in the processing mode will be explained. In this subroutine Rr=c, deposits and withdrawals are verified based on the data registered in area MΔ and the balances stored in registers O and P of area MC.

Figure 17 (A) and (B) show the subroutine REC.
Flowchart 1- is shown.

First, counters d and b are reset at n170. Next, at 0171, the opening balance is displayed and an inquiry is made as to whether this is acceptable. If the operator has the details of deposits and withdrawals sent from the bank at that time, the operator should
l U1C can confirm whether the displayed opening balance is correct by comparing it with the opening balance stated in If. If it is not correct, if the NO primary key is operated, proceed to port 173, display ``PLEASE REWRITE'', input the correct opening balance manually with n174, and store the contents in register O. (n175). n
If the YES key is operated in step 172, the contents of register O are temporarily transferred to register Y in step n l 7 G. n1
The judgment of n=d+b in 77 is based on the comparison (RECONCI L
This is to check whether E) has ended, and initially d+
Since b=Q, the process advances to 0178. At n178, it is determined whether the contents of register M specified by counter b are F. If this content is F, the call is VOI
D (cancellation)': Since it is J-do, proceed to n179,
Displays that check No. 1 registered in Nb has been cancelled, and inquires whether this is correct. If the YES key is operated, proceed to n189, clear registers Mb and Nb specified by counter b, shift specified registers M and N by one line, and increment counter d, and proceed to n177. return. Also, if the NO primary key is operated with n 18 (l,
Proceed to 0188, increment counter b and n
Return to 177.

- At 0178, if the register Mb specified by the counter b is the F code, but is the VOID (cancellation) code, proceed to n181, and then register Nb
It is determined whether or not is an F code and whether or not a Zunawara deposit code is registered. If so, n
The process advances to step 182, where the amount registered in the register Mb at that time, that is, the deposit amount, is displayed and an inquiry is made as to whether it is correct. If the YES key is operated, n
At step 185, the m amount is added to the contents of register Y and stored in register Y again. Register Nb at n181
If the "registration code" is F, proceed to n183 and display the data stored in registers Nb and Mb, Zunawarachi, Nick No. 9 and the check amount, and if it is correct,
<Inquiry as to whether or not payment has been made. YES
If the key is operated, the check amount is subtracted from the contents of register Y at n187. Then, at ri 189, the registers Nb and Mb are reset, and the registers M and N are shifted by one line. If the NO key is operated at n18G, counter b is incremented by 1 at n188.
- Then return to n177. above) and register Y
If the deposit amount is registered, add the deposit amount from the opening balance stored in n176, or subtract the amount if a check has been written, and update the contents of register Y sequentially using I will do it. and n1
At 77, n = d + b, and when all the additions and subtractions of the registered data are completed, 0190 in Figure 17 (T3)
Proceed to.

At n l 90, the contents of counter b are transferred to counter n in preparation for the next time a check is written or deposited. And in n191” E N TE RCII 8 G E
”, prompting banks to use manual recharging, and n
11) Subtract the charge input to register X in step 2 from the contents of register Y, and further subtract it from the current balance of register (2). More n l! "' in J 4
r? , N ′VIE RI N T+”, RE S
2, display the interest rate as (HL, n 195, interest entered in register
and add it to the Karen 1 balance in register 1). In this way, the final amount of register Y calculated is ``+Kari1W +3Δ1, x x x
x, x x o K? ” (n197),
Inquire/Uru if that is okay. In other words, the user is prompted to confirm whether the month-end balance display is correct.

If the YES key is operated, the data is stored in register 0 as an opening balance for cooking. N
O nido- is [10 years old and 10 years old] P
"L EASE REWRITE" is displayed, and n201
Input the correct value into register X, store the contents in register Y in step n202, and return to step n197. n198
-・n The process proceeds to 200 when the area MA is full and more registration items have been added, when there is an omission in the input, or when there is a mistake on the part of the bank. Therefore, when proceeding from n 19 B to n200, the number ! ,
When the memory is full ζ Furthermore, if the number of registered items has increased, add or subtract the data, and if there is an omission of human input at any stage, add or subtract the missing input, and the bank deposit/withdrawal statement will be updated. It is possible to agree with Also,
If they still do not match, you can know that there was a mistake in the t long hit.

As in January, in RECONCI LE mode, you can easily check the registered data up to now and accurately check the deposits and withdrawals with the opening balance as low as possible.

Ichibuno, when cutting a check, r of the 111th swamp (B)
In i 101, first, current balance and minima J
・A comparison is made with the balance, and if the former is less than the latter, a warning is given at n125 to n12B in Figure 11 (IE), so measures such as Yη money are taken to prevent the fee from being debited at that point. I can do it.

[Brief explanation of drawings]

Figure 1 shows a deposit/withdrawal management device which is an embodiment of this invention.
This is the parent diagram. FIG. 2 shows an example of the display state on the display 2 of the doujin withdrawal management device. FIG. 3 shows the display state when determining the operation mode 1' of the device. FIG. 4 shows the display state displayed when any one of the five types of credit cards A to E is selected. FIG. 5 is a block diagram of the same device. FIG. 6 is a memory map of the main parts of the RAM 22 of the same device. FIG. 7 is a flowchart of the main routine in the control progera J of the same device. FIG. 8 is a flowchart of the initialize routine. FIG. 9 is a flowchart of subroutine E6. FIG. 1O is a flowchart of the routine HL. Figure 11 (Δ) is the flowchart 1 of the routine WCK.
・It is. FIGS. 11(B) and 11(C) are flowcharts 1- of the write check processing subroutine WS. Figure 11 (one) is the flowchart 1 of subroutine nc.
It is. The 111th RI (F) is the flowchart 1 to subroutine CC. No. 1213N+ is a flowchart of subroutine E4. FIG. 13 is a flowchart 1 of the subroutine DEP. FIG. 14 is a flowchart of subroutine CI-IA. FIG. 15 is a flowchart of subroutine 8E. FIG. 16 is a flowchart 1 of the card payment processing subroutine P to Y. FIGS. 17(Δ) and 17'(B) are the flowchart 1- of the subroutine REC. Area MΔ-=~Storage means for registering transaction information, area M
C's 0-Opening balance (previous month carryover amount) memory register, Area MC's 1)-Current balance (current balance) Kishu register, Area MC's Q-Benim balance (maximum (1 (limit deposit balance)) Register for note 1a, Area MC r2- Last check number, (last checked check number) Memory register Applicant Sharp Corporation Agent Patent attorney Hisao Komori Figure 12 Figure 9 Figure $10 <ST> Figure 13 Figure 14 Figure 15 Figure 16

Claims (1)

[Claims] (1) An input key for inputting personal account transaction information such as check amount or deposit amount, current balance storage means for storing the current balance, means for updating the current balance each time the transaction information is input, and the previous month. A carryover amount storage means for storing the carryover amount from the previous month, and a storage means for registering transaction information, which registers the check number and check amount or deposit amount based on the input from the entry key each time a check is written or deposited. and,
A device that manages large withdrawals based on the carryover amount from the previous month, the current balance, and transaction information registered in the transaction information storage means, wherein the minimum deposit balance is input in advance using the entry key. and a means for comparing the minimum deposit balance and the current balance when writing a check, and issuing a warning when the minimum deposit balance is smaller than the current balance. Deposit/withdrawal management device for personal accounts.