JP2000348110A - Method and system for transaction management and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the network traffic and to prevent the actual amount of money of a transaction from exceeding a preset transaction limit amount even in the case of the occurrence of a fault in a part of servers. SOLUTION: Management information including the excess limit amount of destination, which each server can process, and the excess of destination obtained by summing up the amount of money of transactions already processed in the server is stored in the server with respect to each bank. The server 1 discriminates whether its own excess of destination exceeds its own excess limit amount of destination or not when receiving a transaction text from a bank to process the transaction text; and if it is discriminated that the excess of destination doesn't exceed the excess limit amount of destination, the server 1 permits the transaction based on the transaction text and updates its own excess of destination and transmits the transaction text to a bank host 7 of the transaction destination.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a transaction management system and the like for managing information relating to transactions between financial institutions such as banks by a plurality of distributed servers.

[0002]

2. Description of the Related Art For example, in transactions between banks, such as foreign exchange transactions, limits on the amount that each bank can transact (total overrun limit) are defined. Amount transacted to (overrun total)
And, a trading system that manages is considered. In such a system, for example, a foreign exchange message or the like is received from a host computer of a bank, and the transaction amount is added to the total destination excess amount of the bank (destination bank) that transmitted the message, and the added amount is used as the total destination amount. It is checked whether or not the excess limit is exceeded, and if it is not exceeded, a process of transmitting an exchange message to a designated destination bank (destination bank) is performed.

[0003] Further, as shown in FIG. 12A, for example, such a system includes a plurality of servers and performs transaction processing in a distributed manner by the plurality of servers. Each server stores, for each bank, management information including a total destination excess limit, a total destination excess, and a transaction amount (excess destination) processed by each server.

[0004] When the exchange message transmitted from the host computer of the bank is allocated to one of the servers, the server updates the management information of the corresponding bank. That is, as shown in FIG. 12 (B), after adding the transaction amount indicated by the exchange message to the excess amount of the destination of the own server, the excess amount of the excess of all the servers is totaled to calculate the total excess amount of the destination. Then, it checks whether or not the total excess amount exceeds the total excess amount limit of the bank to be processed, and if not, sends a foreign exchange message to the designated destination bank, and checks whether the excess amount exceeds the total amount. If so, predetermined error processing is performed.

[0005]

In the above-described transaction system, in order to prevent the actual transaction amount of each bank from exceeding the total destination excess limit (transaction limit), the latest system of each server is used. Each server must hold the excess destination amount. For this reason, it is necessary to frequently exchange the excess destination amount of each server among all the servers. This causes an increase in network traffic between the servers and an increase in the CPU usage rate of each server, and as a result, becomes a factor that hinders the scalability of the system.

Further, if a part of the plurality of servers fails, it is impossible for the other operating servers to acquire the excess amount of excess of the failed server. Exchanges of excess destinations are not completely exchanged. For this reason, the total destination excess managed by each server may be smaller than the actual total destination excess, and the transaction amount may exceed the total destination transaction limit. .

The present invention has been made in view of the above circumstances, and relates to a transaction management system for distributing and managing transaction information between banks by using a plurality of servers. It is an object of the present invention to provide a transaction management system or the like that can prevent an actual transaction amount from exceeding a preset transaction limit even if a failure occurs in the system.

[0008]

In order to achieve the above object, a transaction management system according to a first aspect of the present invention has an upper limit of the transaction amount for each financial institution, and the transaction amount from the financial institution is determined. In a transaction management system for processing transaction messages in a distributed manner by a plurality of servers, the server comprises: a transaction limit that can be processed by each of the plurality of servers; and a transaction amount that has already been processed by each of the plurality of servers. Storage means for storing, for each financial institution, management information including a total transaction amount, a receiving means for receiving a transaction message from the financial institution, and a processing means for processing the transaction message received by the receiving means. A determining means for determining whether or not the total transaction amount exceeds the own transaction limit; and if the determining means determines that the total transaction amount does not exceed the transaction limit, Allow transaction by statement updates the transaction total, and a control means for transmitting the transaction message to the partner.

According to such a configuration, the amount that each server can trade is allocated in advance to each financial institution such as a bank, and each server performs a transaction within a range not exceeding its own transaction limit. Thereby, for example, it is not necessary to communicate with another server until the total transaction amount of the own device exceeds the maximum transaction value of the own device, so that a load such as network traffic can be reduced. In addition, since each server processes transaction messages within the range of the transaction limit allocated to itself, even if some of the servers are out of order, the sum of transaction amounts processed by all servers will exceed the predetermined limit. Transaction management is possible without exceeding.

The control means of the server, if the discrimination means determines that the total transaction amount exceeds the transaction limit, acquires at least a part of the management information of each of the other servers by communication, Calculating means for calculating a total tradable balance obtained by summing up the tradable balance of the financial institution of the server; and redistributing the calculated total tradable balance to each of the servers, and Updating means for updating the transaction limit of each server of the financial institution in accordance with each distribution amount; distribution means for distributing the updated transaction limit of each server to each of the other servers; and receiving means When processing the transaction message received by
It is determined whether or not the total amount of the transaction exceeds the updated own transaction limit, and if not, the transaction is permitted, the total transaction amount is updated, and the transaction message is transmitted to the customer. Means for transmitting to the

As a result, even if the total transaction amount of some of the servers is likely to exceed the transaction limit, the balance that can be transacted by all the servers of the relevant financial institution such as a bank is dynamically determined. By redistributing, the processing of the transaction message can be continued while adjusting the transaction limit set for each server.

When calculating at least a part of the management information of each of the other servers by communication, the calculating means of the server, when detecting a failed server that does not respond, detects the failure of each of the servers except for the failed server. The financial institution may further comprise means for calculating a total tradable balance by summing up the tradable balance, and the updating means of the server, wherein the updating means of the server calculates a total treasury balance other than the failed server. The transactionable balance is redistributed to each of the servers except for the failed server, and the transaction limit of each of the servers except for the failed server of the financial institution stored in the storage unit is updated in accordance with the allocated amount. The distribution means of the server may further include a transaction limit of each of the servers except for the failed server after the update, and each of the other servers except for the failed server. It may further comprise a means for distributing to over server.

According to such a configuration, when a failed server is detected when acquiring management information of another server,
The total available balance of all servers except the failed server is obtained and distributed only to all servers except the failed server. Thus, it is possible to prevent the total of the transaction amounts processed by all the servers from exceeding the upper limit of the transaction amount due to the failure of some of the servers.

[0014] The updating means of the server comprises: first allocating means for allocating the total tradeable balance according to a ratio of the total transaction amount of each server; and uniformly allocating the total tradeable balance to each server. And at least one of a third distribution unit that aggregates the total tradeable balance into itself.

In the transaction management method according to the second aspect of the present invention, the upper limit of the transaction amount is predetermined for each financial institution,
A transaction management method in a system in which a transaction message including a transaction amount from a financial institution is distributed and processed by a plurality of servers, and in each of the servers, a processing limit amount of each of the plurality of servers, Storing, for each financial institution, management information including a transaction total amount obtained by adding up the transaction amounts already processed of each of the plurality of servers; and receiving a transaction message from a financial institution, An allocating step of allocating the transaction message to the server to which the transaction message has been allocated, when the transaction message is processed, determines whether or not the total transaction amount of the server exceeds the transaction limit of the server. A discriminating step of discriminating, and when it is determined that the transaction total amount of the server does not exceed the transaction limit of the server, the transaction message is used. Allow the transaction, it updates the transaction total of the server, and a control step of transmitting said transaction message to suppliers, the.

According to such a configuration, the amount that each server can trade is allocated in advance to each financial institution such as a bank, and each server trades within a range not exceeding its own transaction limit. Thereby, for example, it is not necessary to communicate with another server until the total transaction amount of the own device exceeds the maximum transaction value of the own device, so that a load such as network traffic can be reduced. In addition, since each server processes transaction messages within the range of the transaction limit allocated to itself, even if some of the servers are out of order, the sum of transaction amounts processed by all servers will exceed the predetermined limit. Transaction management is possible without exceeding.

In the control step, if it is determined in the determination step that the total transaction amount of the server to which the transaction message is allocated exceeds the transaction limit of the server, the other communication is performed by communication. A calculating step of obtaining at least a part of the management information of the server and calculating a total tradable balance obtained by summing up the tradable balance of the financial institution of each server, and calculating the calculated total tradable balance by each server An update step of updating the transaction limit of each server of the financial institution stored in the server to which the transaction message is allocated according to each distribution amount, and a transaction of each server after the update. A distribution step of distributing the limit amount to each of the other servers; and a server to which the transaction message is allocated, when the transaction message is processed, It is determined whether or not the total transaction amount of the server exceeds the updated transaction limit of the server. If not, the transaction is permitted, the total transaction amount of the server is updated, and the transaction message is updated. And transmitting to the business partner.

As a result, even if the total transaction amount of some of the servers is likely to exceed the transaction limit, the balance that can be transacted by all the servers of the relevant financial institution such as a bank is dynamically determined. By redistributing, the processing of the transaction message can be continued while adjusting the transaction limit set for each server.

In the calculating step, when at least a part of the management information of each of the other servers is obtained by communication,
When detecting a failed server that does not respond, the method may further include calculating a total tradable balance by summing up the tradable balance of the financial institution of each of the servers except for the failed server. The total transaction available balance calculated for each of the other servers except for the failed server is redistributed to each of the servers except for the failed server, and the financial information stored in the server to which the transaction message is allocated is stored. The method may further include updating the transaction limit of each of the servers except for the failed server of the institution according to each of the allocated amounts, wherein the distributing step includes the transaction of each of the servers except for the failed server after the update. The method may further include the step of delivering a limit to each of the servers other than the failed server.

As a result, even if the total transaction amount of some of the servers is likely to exceed the transaction limit, the balance that can be transacted by all the servers of the corresponding financial institution such as a bank is dynamically determined. By redistributing, the processing of the transaction message can be continued while adjusting the transaction limit set for each server.

[0021] The updating step is a first distribution step of distributing the total tradable balance according to a ratio of the total transaction amount of each server, and a second distribution step of evenly distributing the total tradable balance in each server. At least one of an allocating step and a third allocating step of collecting the total tradable balance into itself may be provided.

Further, in the recording medium according to the third aspect of the present invention, a computer is provided in which an upper limit of the transaction amount is predetermined for each financial institution, and a transaction message including the transaction amount from the financial institution is distributed by a plurality of servers. A computer-readable recording medium recording a program for functioning as the server in the transaction management system that performs the processing,
The computer stores, for each financial institution, management information including a transaction limit amount that can be processed by each of the plurality of servers and a transaction total amount that is a sum of transaction amounts already processed of each of the plurality of servers. Storage means, receiving means for receiving a transaction message from a financial institution, and processing for processing the transaction message received by the receiving means, for determining whether or not the total amount of the transaction exceeds its transaction limit. Means, when the total transaction amount is determined not to exceed the transaction limit by the determination unit, control is performed to permit the transaction using the transaction message, update the transaction total value, and transmit the transaction message to the customer. The program for functioning as a means is recorded.

Further, when the discriminating means determines that the total transaction amount exceeds the transaction limit, the computer acquires at least a part of the management information of each of the other servers by communication, and Calculating means for calculating the total tradable balance obtained by summing the balances transactable for the financial institution; redistributing the calculated total tradable balance to each of the servers; Updating means for updating the transaction limit of each server in accordance with each distribution amount, distribution means for distributing the updated transaction limit of each server to each of the other servers, and a transaction message received by the receiving means When processing is performed, it is determined whether or not the own transaction total exceeds the updated own transaction limit.If not, the transaction is permitted and the transaction total is updated. Rutotomoni, the program may be further recorded for operating the transaction message as a means, for transmitting to the partner.

The above financial institutions include banks, shinkin banks,
Includes various financial institutions such as post offices.

[0025]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a transaction system according to an embodiment of the present invention will be described with reference to the drawings. This transaction system is a system for transactions between banks, such as exchange transactions, for example, as shown in FIG. 1, an intermediary center 5 including a plurality of servers 1 and a relay device 3, and an intermediary center 5 via a network. And a host computer (bank host) 7 of each bank to be connected. In the present system, each server 1 in the mediation center 5 receives the exchange message from the bank host 7 of each bank via the relay device 3 and transmits the exchange message to the designated bank host 7 to mediate the exchange transaction. .

Each of the servers 1 (the first server 1A, the second server 1B, the third server 1C) has the same configuration and function, and includes a money amount management unit 11, a message database (DB) 12
And a control unit 13. The money amount management unit 11 stores management information for performing exchange transactions for each bank. For example, as shown in FIG. 2, the management information includes a “total overrun limit” indicating the limit that the bank can trade, a “total overrun amount” indicating the amount actually traded by the bank, and each server 1 Includes a “excessive destination limit” indicating the limit amount that can be traded, and a “excessive destination amount” indicating the amount actually traded by each server 1.
The message DB 12 stores the exchange message received by the server 1.

In the present system, for each bank, the limit that the bank can trade (total excess destination limit) is divided and assigned to each server 1 as the excess destination limit. For example, the management information shown in FIG. 2 has a total destination excess limit of “1,
00000 yen "is the management information of the XX bank. Total destination excess limit "1,000,000 yen"
Among them, “550,000 yen” is the excess destination limit of the first server 1A, “300,000 yen” is the excess destination limit of the second server 1B, and “150,000 yen” is the third server 1C. Is set as the excess limit of the destination. For example, in the transaction processing for XX Bank,
Each server 1 performs processing within the management information of the XX bank within a range where the excess destination of the server 1 does not exceed the excess destination limit.

In response to the receipt of the exchange message from the bank host 7, the control unit 13 records the exchange message in the message DB 12, updates the management information of the bank (destination bank) that transmitted the exchange message, Send the exchange message to the specified destination bank (destination bank). The exchange message includes, for example, information indicating the destination bank of the transmission source of the message, information indicating the destination bank of the transmission destination of the message, information indicating the exchange transaction amount, and the like.

The control unit 13 updates the management information in response to receiving the exchange message. In updating the management information, in the management information of the destination bank stored in the money amount management unit 11, the exchange transaction amount indicated by the foreign exchange message is added to the excess amount of the destination of the server 1, and the excess amount of the destination after the addition becomes It is determined whether the destination excess limit of the server 1 has been exceeded. In this determination, if not exceeded, the amount after the addition is updated as a new destination excess amount of the own server 1. If the amount exceeds the limit, the transaction cannot be continued, and the control unit 13 tallies up the balances of all the servers 1 for the processing target bank which can be transacted in order to increase the excess destination limit of the server 1. ,
A reallocation process for reallocation to each server 1 is performed.

In this redistribution process, first, in order to obtain the amount actually transacted by each server 1 (excess amount of destination),
It is necessary to exchange the latest surplus amount between servers. As a method of exchanging the excess destination amount, for example, the following method is available.

(1) Mutual Exchange Method This is a method for mutually exchanging the excess destination between the servers 1. For example, as shown in FIG. 3, the first server 1A to the second server 1B and the third server 2nd server 1 to 1C
B transmits the excess destination of the server 1 to the first server 1A and the third server 1C, and from the third server 1C to the first server 1A and the second server 1B. The traffic between servers in this method is N × (N−1), where N is the number of servers. In this method, even if there is a failed server 1, it is possible to exchange the excess destination amount between the other servers 1.

(2) Collection-and-delivery type exchange method In this method, as shown in FIG. 4, for example, a predetermined server 1 (first server 1A in FIG. 4) collects the excess destination of each server 1, This is a method of distributing the excess destination amount collected by the server 1 to each server 1. The traffic between servers in this method is 2 ×, where N is the number of servers.
(N-1), and when the number of servers is three or more, this method is more efficient than the mutual exchange method. However, if the predetermined server 1 that performs the collection and delivery fails, the excess destination cannot be exchanged even if the other servers 1 are in operation. Therefore, the server 1 that performs the collection and delivery for backup must be prepared. Is desirable.

The control unit 13 collects the excess amount of the destination of the other server 1 by the above-mentioned exchange method, and then, based on the excess amount of the excess destination and the excess amount of the destination of each server 1,
By calculating and summing the balances that can be traded by each server 1, the amount that can be traded by all the servers 1 (total tradeable balance) is calculated. Then, the total tradable balance is divided according to a predetermined ratio or the like, and for each server 1, the sum of the divided amount and the excess destination is calculated as a new excess destination limit and distributed to each server 1. As a method of allocating the total tradable balance in the redistribution process, for example, the following method is available.

(1) Weight Distribution Method In this method, the latest total tradable balance is distributed according to the ratio of the excess destination, which is the transaction amount of each server 1 up to then. For example, when the first server 1A performs a redistribution process using this weight distribution method, the control unit 13 of the first server 1A
As shown in FIG. 5 (A), after collecting each excess destination from the other servers 1B and 1C, each server 1 deducts the excess destination from the excess destination limit for each server 1 Calculate the tradeable balance of. In this case, the first
The balance of the server 1A is 0 yen (= 550,000 yen-55
0000 yen), and the balance of the second server 1B is 10
000 yen (= 300,000 yen-200,000
Yen), and the balance of the third server 1C is 50,000 yen (= 150,000 yen-100,000 yen).

Next, the control unit 13 calculates the total tradable balance of 150,000 yen by summing up the tradable balance of each server 1. The first server 1A calculates the total available balance,
The server 1 is divided according to the ratio of excess destination. FIG.
In the case of (A), the ratio of the excess amount of each destination is 550,000.
Yen: 200,000 yen: 100,000 yen,
As a result of division according to this ratio, the first server 1A has 9
7,058 yen, 35,294 yen for the second server 1B, and 17,648 yen for the third server 1C are redistributed, respectively.

Next, as shown in FIG. 5B, for example, the control unit 13 checks each server 1A, 1B, 1
The total of the distribution amount of C and the excess destination is updated as the excess limit of the destination. In this case, the excess destination limit of the first server 1A is 647,058 yen, the excess destination limit of the second server 1B is 235,294 yen, and the excess destination limit of the third server 1C is 117,648 yen. Become. The control unit 13 sends the new destination excess limit to the other server 1B, 1
Deliver to C.

(2) Equal Distribution Method In this method, the latest total tradable balance is equally distributed to each server 1. For example, in the example used in the above description of the weight distribution method, the total tradable balance of 150,000 yen is divided by the ratio of the excess amount of the destination of each server 1, but when this equal distribution method is adopted, the total distribution balance is equally divided. 50,000 for each server 1
Distribute in circles. And, like the above weight distribution method,
The server 1 that is performing the redistribution processing (the first server 1A in the above example) finds a new excess destination limit for each server 1 and distributes it to each of the other servers 1.

(3) Aggregate Allocation Method This is a method for redistributing the latest total tradable balance.
This is a method of consolidating on one server 1. For example, if the server 1 that performs the redistribution process is the first server 1A and the total tradable balance is 150,000 yen, the first server 1A
, 150,000 yen total transactionable balance on the first server 1A
Only distribute to. Then, similarly to the weight distribution method and the like, the server 1 that is performing the redistribution processing (the first server 1A in the above example) obtains a new excess destination limit and distributes it to each of the other servers 1. . In this case, in order to consolidate the total amount of the total tradable balance into one server 1, the other servers 1
Is available for trading at 0 yen. In this system, for example, the total transaction amount is distributed by the weight distribution method (1).

The control unit 13 determines whether or not the exchange transaction amount indicated by the forex message is an amount that can be processed, that is, the new excess destination limit, based on the excess destination limit newly set in the server 1 by the redistribution process. It is determined whether or not the difference between the amount and the amount already transacted in the server 1 (excess amount of destination) is equal to or greater than the exchange transaction amount. When the exchange transaction amount is an amount that can be processed by the own server 1, the control unit 13 updates the exchange transaction amount by adding it to the excess destination amount of the own server 1, and when the exchange amount is an amount that cannot be processed, a predetermined error occurs. Perform processing.

The control unit 13 includes a first server 1A, a second server 1B, and a third server 1B as shown in FIG.
The total amount of excess destination of C is totaled, and the total amount is set as the total excess amount of destination. The timing of calculating the total destination excess is arbitrary. For example, when the exchange message is processed in the own server 1 and the total destination excess of the server 1 is updated,
Also, when the excess amount of the destination of another server 1 is collected in the reallocation processing, and the like.

Further, when acquiring the excess destination amount from another server 1, if any of the other servers 1 is out of order and there is no response, for example, only the server 1 that has responded Redistribute to That is, the control unit 13
Calculates the tradable balance of each server 1 from the excess destination amount received from the server 1 that has responded, and sums the calculated amounts to obtain the total tradable balance of the servers 1 other than the failed server 1 Is calculated. Then, the total tradable balance is distributed only by the operating server 1 by the above-mentioned distribution method. As described above, even if a part of the server 1 is out of order, the redistribution process is performed only by the operating server 1, so that the total excess destination does not exceed the total excess limit and the balance that can be traded can be obtained. Can be redistributed.

The control unit 13 updates the management information of the destination bank and updates the management information of the destination bank.
It updates by subtracting the exchange transaction amount indicated by the exchange message from the excess destination amount of the server 1 itself.

Further, in response to a request for the excess destination from another server 1 which is performing the redistribution process, the control unit 13 reads out the excess destination of the server 1 from the amount management unit 11 and reads the excess destination of the server 1 from the request source. Send to server 1. In addition, the control unit 13 receives a new excess destination limit distributed from another server 1 that is performing the redistribution process, and updates the excess destination limit of the own server 1 in the amount management unit 11.

The relay device 3 receives the exchange message from the bank host 7 via the network, and
(1A, 1B, 1C) is allocated to the exchange message.

In the exchange transaction, the bank host 7 issues a foreign exchange message including, for example, information indicating the own bank (destination bank), information indicating the destination bank to which the message is transmitted, information indicating the exchange transaction amount, and the like. , Mediation center 5 via a network
Send to

In the present system, a transaction limit (exceeding destination limit) which can be processed by each server 1 which performs transaction processing in a distributed manner is determined in advance, and the server 1 which processes the exchange message is set in advance. When the transaction limit is about to be exceeded, communication is performed between the servers 1 to redistribute the amount that can be transacted by all the servers 1 so that network traffic is reduced and the total transaction amount is set in advance. Exceeding the limit (total destination excess limit) can be prevented.
In addition, even if a part of the plurality of servers 1 fails, the transaction amount exceeds the preset limit (overall destination limit) in order to redistribute the transaction amount among the operating servers 1. Can be prevented.

Next, the operation of the server 1 which is a characteristic part of the present system will be specifically described. First, the operation of the server 1 that has received the exchange message will be described with reference to FIGS. 7 and 8, for example, when the first server 1A receives the exchange message.
For example, as shown in FIG. 7A, regarding the management information of Bank D in which the total overdelivery limit is set to 1,000,000 yen, the first server 1A, the second server 1B, and the third server 1C Overdelivery limit of 400,000 each
It is assumed that the first server 1A has received an exchange message from the bank host 7 of Bank D when yen, 300,000 yen, and 300,000 yen are set.

The first server 1A stores the received exchange message in the message DB 12 (step S1), and adds the exchange transaction amount indicated by the exchange message to the excess amount of its own destination in the management information of Bank D (step S2). ). Next, the first server 1A determines whether or not the sum after the addition exceeds its own excess destination limit (step S3). Here, for example, it is assumed that the exchange transaction amount indicated by the exchange message received from Bank D is 200,000 yen. In this case, the first server 1A adds the transaction amount of its own excess amount of 200,000 yen and determines that the added amount 400,000 yen does not exceed its own excess amount limit of 400,000 yen. Determine.

If it is determined in step S3 that the added amount does not exceed the excess destination limit, the first server 1A updates the added amount as a new own excess destination amount (step S3). Step S4). At this time, the first server 1
A may also update the total destination excess amount at the same time. In this case, the first server 1A, as shown in FIG.
The excess amount of the server 1A is converted to the exchange transaction amount 200,00.
It is updated to 400,000 after adding 0 yen.

In step S4, after updating its own management information such as excess destination, the first server 1A transmits the received exchange message to the designated destination bank (step S4).
5). In this way, after the first server 1A checks that the exchange transaction amount is within the range of the amount that can be processed by the first server 1A in response to receiving the exchange message from the bank D, the management of the bank D Update the information and send the exchange message to the destination bank.

If it is determined in step S3 that the sum after the addition exceeds the excess destination limit, the first server 1A communicates with the other server 1 to make a transaction with the bank D. A redistribution process for redistributing a large amount is performed (step S6).

FIG. 9 shows a flowchart of the redistribution process. As shown, in the reallocation process, the first server 1
A first collects the excess destination from the other servers 1B and 1C (step S11). At this time, the first server 1A
May distribute the collected information and the excess destination amount of the own server to the other servers 1B and 1C. Next, the first server 1
A calculates the difference between the excess destination and the excess limit for each server 1, calculates the balance that each server can trade, and sums them to obtain the total tradable balance that can be traded by all servers 1. (Step S12).

Next, the first server 1A distributes the total tradable balance to each server 1 by a predetermined distribution method,
The destination excess limit of each server 1 is updated based on each distribution amount (step S13). Also, the first server 1
A distributes the excess destination limit to each of the other servers 1B and 1C (step S14).

For example, the first server 1A shown in FIG.
Assume that the exchange transaction amount of the exchange message received is 300,000 yen. In this case, the added amount of the excess destination amount and the foreign exchange transaction amount is 500,000 yen, and this amount exceeds the excess destination limit of the first server 1A. Therefore, the first server 1A is shown in FIG. Like the second server 1
B and the third server 1C collect excess destinations respectively,
The difference between the excess destination limit and the excess destination of each server 1 is determined. This difference is 200,0 for the first server 1A.
00 yen (= 400,000 yen-200,000 yen), and 150,000 yen (= 3 yen) for the second server 1B.
00,000 yen-150,000 yen) and 250,000 yen (= 300,000) for the third server 1C.
Yen-50,000 yen).

The first server 1A distributes the total tradable amount 600,000, which is the sum of these differences, to each server 1 according to, for example, a weight distribution method. In this case, the first server 1A, the second server 1B, and the third server 1C
The ratio of excess destination is 200,000 yen: 150,000
0 yen: Because it is 50,000 yen, the total transactionable amount is
300,000 yen for the first server 1A, 225,000 yen for the second server 1B, 75,000 yen for the third server 1C,
Each is distributed. Accordingly, as shown in FIG. 10 (B), the new destination excess limit of the first server 1A is 500,
000 yen, the new excess destination limit of the second server 1B is 3
75,000 yen, and the new overdelivery limit of the third server 1C is updated as 125,000 yen, respectively.
The new excess destination limit is distributed to the server 1B and the third server 1C.

After the reallocation of the transactionable amount to each server 1 is completed, the first server 1A transmits the exchange message from Bank D based on the new excess destination limit set in its own server 1. It is determined whether or not the indicated exchange transaction amount can be processed, that is, whether or not the added amount of the excess destination amount and the exchange transaction amount acquired in step S2 of the main flowchart exceeds the new excess destination limit (step S15). . In this example, the exchange transaction amount 30 received by the first server 1A
The additional amount of 0000 yen and excess amount of 200,000 yen is 500,000 yen, and the new excess amount limit is 5
Since the price is ¥ 000, the first server 1A determines that the added amount does not exceed the new destination excess limit.

If it is determined in step S15 that the sum after addition does not exceed the new destination excess limit,
The first server 1A transmits the exchange message to the designated destination bank (step S16). If it is determined that the sum after the addition exceeds the new destination excess limit, the first
The server 1A performs a predetermined error process (step S1).
7).

As described above, even if the balance that the first server 1A can trade is insufficient, the amount that can be traded by all the servers 1 can be redistributed, and the transaction can be continued within the reset destination excess limit. It can be.

In the redistribution process shown in FIG. 9, when the first server 1A collects the excess destination from the other servers 1B and 1C, if some of the servers 1 are out of order,
The first server 1A removes the failed server 1 from the processing target. The operation of the first server 1A in this case will be described.

For example, as shown in FIG.
When the server 1A receives the exchange message with the exchange transaction amount of 300,000 yen, the added amount is 500,000 yen, which exceeds the destination excess limit of the first server 1A. , A redistribution process is performed as described above. In this redistribution process, the first server 1A obtains the excess destination amount of the second server 1B and the third server 1C,
It requests each server 1B, 1C for a destination excess amount. At this time, it is assumed that the second server 1B has failed. In this case, since there is no response from the second server 1B, the first server 1A excludes the second server 1B from the processing target and calculates the total transactionable amount only by the first server 1A and the third server 1C. That is, the difference between the excess destination limit and the excess destination amount for the first server 1A is 200,000 yen (= 400,0
00-200,000 yen) and the difference 250,000 between the excess destination limit and the excess destination amount for the third server 1C.
Yen (= 300,000 yen−50,000 yen) is added to calculate a total transactionable amount of 450,000 yen.

The first server 1A distributes the total tradable amount 450,000, which is the sum of these differences, according to, for example, a weight distribution method. The first server 1A excludes the second server 1B from the processing target, and the ratio of the excess destination of the first server 1A to the third server 1C is 200,000 yen: 5.
The total transactionable amount is distributed at 0000 yen. In this case, 360,000 yen is allocated to the first server 1A and 90,000 yen is allocated to the third server 1C. Therefore, FIG.
As shown in (B), the first server 1A is the first server 1
For A and the third server 1C, the allocated amount is added to the excess destination, the new excess limit for the first server 1A is 560,000 yen, and the new excess limit for the third server 1C is Each is updated to 140,000 yen, and the new destination excess limit is distributed to the third server 1C.

In this way, even if a failure occurs in some of the servers 1, the server 1 is excluded from the processing target, and the transactionable amount is redistributed among the remaining servers 1. Can be prevented from exceeding the limit.

When a certain server 1 collects information from another server 1 and some of the servers 1 do not respond due to a failure or the like, the server 1 retries until the failed server 1 is recovered, and recovers. It may be redistributed later. In this case, the operation of the server 1 that performs the redistribution processing is described as “re-distribute only the server 1 that has responded”, “retry until the failed server 1 is recovered, and redistribute after recovery. Yes "and the like may be selected and set from a plurality of operations.

In the above description, when the redistribution processing is performed, if the processing cannot be performed even with the redistributed excess limit, it is determined that an error has occurred. However, the present invention is not limited to this. If so, the distribution process may be performed again by another method. In the above description, the number of servers 1 is three, but this is an example, and the number of servers 1 is arbitrary.

The present invention is not limited to a system for foreign exchange transactions, but is applicable to various transaction systems in which a plurality of computers perform transaction processing in a distributed manner.

The present invention is not limited to transaction management between banks, but is applicable to a system for transaction management between various financial institutions such as a credit union and a post office.

The transaction system of the present invention can be realized by using a general computer system without using a dedicated system. For example, by installing the program from a medium (a floppy (registered trademark) disk, CD-ROM, or the like) storing a program for executing the above-described operation in a computer, the server 1 or the like that executes the above-described processing is configured. can do. In the case where the above-described functions are realized by the OS sharing or the OS and the application being jointly used, only the part other than the OS may be stored in the medium.

The medium for supplying the program to the computer may be a communication medium (medium for temporarily storing the program, such as a communication line, a communication network, or a communication system). For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network. Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

[0069]

As described above, according to the present invention,
For each financial institution, the amount that each server can trade is allocated in advance, and each server trades within a range that does not exceed its own transaction limit. Thus, for example, it is not necessary to communicate with another server until the total transaction value of the user exceeds the maximum transaction value of the user, so that the impossibility of network traffic or the like can be reduced. In addition, since each server processes transaction messages within the range of the transaction limit allocated to itself, even if some of the servers are out of order, the sum of transaction amounts processed by all servers will exceed the predetermined limit. Transaction management is possible without exceeding.

[Brief description of the drawings]

FIG. 1 is a diagram schematically showing a configuration of a transaction system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a data configuration of management information stored in a server in the transaction system of FIG. 1;

FIG. 3 is a diagram for explaining a mutual exchange method.

FIG. 4 is a diagram for explaining a pickup and delivery type exchange method.

FIG. 5 is a diagram for explaining a weight distribution method.

FIG. 6 is a diagram illustrating a process of calculating a total destination excess amount.

FIG. 7 is a diagram for explaining the operation of the server that has received the exchange message.

FIG. 8 is a flowchart for explaining the operation of the server that has received the exchange message.

FIG. 9 is a flowchart illustrating a redistribution process.

FIG. 10 is a diagram illustrating a redistribution process.

FIG. 11 is a diagram for explaining the operation of the server in the reallocation processing when a part of the server has failed.

FIG. 12 is a diagram illustrating an example of a system in which a plurality of servers perform transaction processing in a distributed manner.

[Explanation of symbols]

 Reference Signs List 1 server 3 relay device 5 intermediary center 7 bank host 1A first server 1B second server 1C third server 11 amount management unit 12 message database 13 control unit

Claims (10)

[Claims] 1. A transaction management system in which an upper limit of a transaction amount is predetermined for each financial institution and a transaction message including a transaction amount from a financial institution is distributed and processed by a plurality of servers. Storage means for storing, for each financial institution, management information including a transaction limit amount that can be processed by each of the servers and a transaction total amount obtained by summing up transaction amounts already processed by each of the plurality of servers; Receiving means for receiving the transaction message from the receiving means; and, when processing the transaction message received by the receiving means, determining means for determining whether or not the total amount of the transaction exceeds its own transaction limit, and If it is determined by the means that the transaction total does not exceed the transaction limit, the transaction using the transaction message is permitted, the transaction total is updated, and the transaction message is transmitted to the customer. Transaction management system comprising a control means, and it is characterized. 2. The control means of the server, if the determination means determines that the total transaction amount exceeds the transaction limit, acquires at least a part of the management information of each of the other servers by communication. Calculating means for calculating a total tradable balance obtained by summing up the tradable balance of the financial institution of each server; and redistributing the calculated total tradable balance to each of the servers, and storing the calculated total tradable balance in the storage means. Updating means for updating the transaction limit of each server of the financial institution in accordance with each distribution amount; distribution means for distributing the updated transaction limit of each server to each of the other servers; When processing the transaction message received by the receiving means, it is determined whether or not the total transaction amount of the user exceeds the updated own transaction limit.If not, the transaction is permitted, and the transaction is permitted. Combination The transaction management system according to claim 1, further comprising: means for updating the total amount and transmitting the transaction message to the customer. 3. The server according to claim 2, wherein the calculating unit of the server detects a failed server that does not respond when acquiring at least a part of the management information of each of the other servers by communication. The server further includes means for calculating a total tradable balance by summing up the tradable balance of the financial institution with respect to the financial institution, wherein the updating means of the server comprises: a total transaction calculated for each of the servers except the failed server. Possible balance,
Means for redistributing to each of the servers except for the failed server, and updating the transaction limit of each of the servers except for the failed server of the financial institution stored in the storage means according to the allocated amount. The distribution means of the server further comprises means for distributing the updated transaction limit of each of the servers except for the failed server to each of the other servers except for the failed server. Item 3. The transaction management system according to Item 2. 4. The updating means of the server, a first distribution means for distributing the total tradeable balance according to a ratio of a total transaction amount of each server, and the total tradeable balance is equally distributed by each server. 4. The transaction management system according to claim 2, further comprising: at least one of: a second distribution unit that distributes the total available balance to the third distribution unit; 5. A transaction management method in a system in which an upper limit of a transaction amount is predetermined for each financial institution, and a transaction message including a transaction amount from the financial institution is distributed and processed by a plurality of servers. The server stores, for each financial institution, management information including a transaction limit amount that can be processed by each of the plurality of servers and a transaction total amount that is a sum of transaction amounts already processed of each of the plurality of servers. And a allocating step of receiving a transaction message from a financial institution and allocating the transaction message to any one of the servers. The server to which the transaction message is allocated, when the transaction message is processed, the server Determining whether or not the total transaction amount of the server exceeds the transaction limit of the server; and determining the total transaction amount of the server by the determination step. If it is determined that the transaction limit is not exceeded, a transaction step of permitting transaction by the transaction message, updating the transaction total amount of the server, and transmitting the transaction message to the customer is provided. Characteristic transaction management method. 6. The control step, if it is determined in the determination step that the total transaction amount of the server to which the transaction message is allocated exceeds the transaction limit of the server, another communication is performed. A calculating step of acquiring at least a part of the management information of each of the servers and calculating a total tradable balance obtained by summing up the tradable balances for the financial institution of each server; An update step of redistributing to the server, and updating the transaction limit of each of the servers of the financial institution stored in the server to which the transaction message is allocated according to each of the allocation amounts; and each of the updated servers. A distribution step of distributing the transaction limit amount to each of the other servers; and a server to which the transaction message is allocated, when the transaction message is processed, Determine whether the total transaction amount of the server exceeds the updated transaction limit of the server,
The transaction management method according to claim 5, further comprising the steps of: permitting the transaction if the amount does not exceed the limit, updating the transaction total amount of the server, and transmitting the transaction message to the customer. . 7. The calculating step, when acquiring at least a part of the management information of each of the other servers by communication,
If a failed server that does not respond is detected, the server further includes a step of calculating a total tradeable balance by summing up the balances of the servers other than the failed server that can be traded with respect to the financial institution. The total tradable balance calculated for each of the servers other than the server is redistributed to each of the servers except the failed server, and the transaction message is stored in the assigned server of the financial institution. The method further comprises the step of updating the transaction limit of each of the servers except for the failed server according to each of the allocation amounts, and the distributing step further comprises: The transaction management method according to claim 6, further comprising the step of distributing to each of the servers other than the server. 8. The updating step comprises: a first allocating step of allocating the total tradable balance according to a ratio of a total transaction amount of each server; and allocating the total tradable balance equally to each server. 8. The transaction management method according to claim 6, comprising: at least one of: a second allocation step; and a third allocation step of aggregating the total tradeable balance to itself. 9. 9. A computer in which an upper limit of a transaction amount is predetermined for each financial institution, and which functions as said server in a transaction management system in which transaction messages including transaction amounts from financial institutions are distributed and processed by a plurality of servers. A computer-readable recording medium having recorded thereon a program for processing a total of a transaction limit of each of the plurality of servers and a transaction amount already processed of each of the plurality of servers. Storage means for storing, for each financial institution, management information including the total transaction amount, a receiving means for receiving a transaction message from the financial institution, and a total transaction amount of the own when the transaction message received by the receiving means is processed. Means for determining whether or not exceeds the transaction limit of its own, by the determination means, the total transaction amount exceeds the transaction limit Control means for permitting the transaction using the transaction message, updating the total transaction amount, and transmitting the transaction message to the customer, and a computer-readable recording medium recording a program for functioning as . 10. The computer according to claim 1, wherein, if the discrimination means determines that the total transaction amount exceeds the transaction limit, the computer acquires at least a part of the management information of each of the other servers by communication, and Calculating means for calculating a total tradable balance obtained by summing the balances transactable for the financial institution, and redistributing the calculated total tradable balance to each of the servers; Updating means for updating the transaction limit of each server in accordance with each distribution amount; distribution means for distributing the updated transaction limit of each server to each of the other servers; and a transaction message received by the receiving means When processing is performed, it is determined whether or not the own transaction total exceeds the updated own transaction limit, and if not, the transaction is permitted and the transaction total is updated. The computer-readable recording medium according to claim 9, further comprising: a program for functioning as a means for transmitting the transaction message to a supplier.