JP2002024559A - Transfer processing system and system control method for the same system and recording medium having its program recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To properly centralize and distribute funds between an overall account and dependent accounts of a plurality of hierarchies depending on the overall account. SOLUTION: The funds of grandchild accounts AC30, AC31, and AC32 are transferred to a child account AC20, and the funds of grandchild accounts AC33 and AC34 are transferred to a child account AC21. Then, the funds of the child accounts AC20 and AC21 are transferred to an overall account AC10 so that the centralization of the funds can be realized. On the other hand, the funds of the child account AC20 are transferred to the grandchild accounts AC30, AC31, and AC32, and the funds of the child account AC21 are transferred to the grandchild accounts AC33 and AC34. Then, the funds of the overall account AC10 are transferred to the child accounts AC20 and AC21 so that the distribution of the funds can be realized.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer processing system, a system control method for the transfer processing system, and a recording medium on which a program for the transfer processing is recorded. The present invention relates to a system control method for a system and a recording medium on which a program for the system is recorded.

[0002]

2. Description of the Related Art In many cases, a corporate group having a certain size has established a number of group companies that perform related services and incidental services in addition to a supervising company that performs central business. It is important for such a supervising company and a plurality of group companies to utilize the funds efficiently by sharing the funds.

For this reason, for example, one controlling account is opened in the controlling company, child accounts are opened in each of a plurality of group companies, and funds are transferred between the controlling account and the plurality of child accounts. As a result, the concentration and distribution of funds among one corporate group is achieved.

[0004]

The economic activities of today are complicated, and a one-stage account dependency relationship of a supervised account and its child accounts is not enough, and a two-stage, three-stage account dependency relationship is required. A case has arisen. That is, the transfer of funds between accounts having two layers, that is, the supervised account and the child account, as in the related art, may not be sufficient as a transfer process between group companies having a complicated relationship.

[0005] However, when trying to realize a two-stage, three-stage, ... multi-stage account dependency relationship, depending on the timing of the transfer process, the funds cannot be properly concentrated or the funds cannot be allocated. The problem may arise.
For example, in an account dependency relationship consisting of three layers: a superordinate account, a child account, and a grandchild account, considering a transfer process that concentrates funds on the supervision account, the funds of all grandchild accounts subordinate to a child account are transferred to that child account. If the funds in the child account are not transferred to the control account after the transfer, all the funds will not be concentrated in the control account.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and provides a transfer processing system capable of correctly concentrating and distributing funds in an account group having a multi-stage account dependency. The purpose is to provide.

[0007]

In order to solve the above-mentioned problems, a transfer processing system according to the present invention comprises a central account located in a first hierarchy and a second central account subordinate to the central account.
Transfer processing for transferring funds between one or a plurality of child accounts located at the third tier and one or more grandchild accounts located at the third tier dependent on any one of the child accounts A first transfer means for transferring funds necessary for the child account from the grandchild account; and a transfer of funds required for the general account from the child account after the first transfer means performs the transfer. And a second transfer unit for performing a transfer.

[0008] The transfer processing system according to the present invention comprises: a central account located at a first tier; one or more child accounts located at a second tier subordinate to the central account; A transfer processing system for transferring funds between one or a plurality of grandchild accounts located in a third tier in accordance with any one of the grandchild accounts, wherein the balance of the grandchild account reaches a predetermined set amount. A first transfer means for transferring funds required from the child account to the grandchild account, and when the first transfer means makes a transfer, the balance of the child account is reduced to a predetermined set amount. And a second transfer means for transferring funds necessary for the child account from the central account.

[0009] The transfer processing system according to the present invention comprises: a central account located in a first tier; one or more child accounts located in a second tier subordinate to the central account; A transfer processing system for transferring funds between one or more grandchild accounts located in a third tier in accordance with any one of the following: A first transfer unit for performing a transfer of the first transfer unit, a second transfer unit for transferring a necessary fund from the child account to the general account, and a transfer by the second transfer unit. After performing the above, the third transfer means, and the third transfer means, transfer the necessary funds from the child account to the grandchild account so that the balance of the grandchild account becomes a predetermined set amount So that the balance of the child account becomes the predetermined set amount Performing a transfer of funds to the child account from the supervising account, characterized by comprising a fourth transfer means.

[0010] A transfer processing system according to the present invention comprises a series of one or more supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervision account. A transfer processing system for transferring funds between a group of accounts, wherein one or a plurality of central accounts located in the first tier are located in the lowest tier, From the subordinate account, a second
A first transfer unit for sequentially transferring necessary funds toward the subordinate account located at the second hierarchy, and after performing the transfer by the first transfer unit, the subordinate account located at the second hierarchy Transfer necessary funds from the account to the general account,
And second transfer means.

[0011] A transfer processing system according to the present invention comprises a series of one or more supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervision account. Is a transfer processing system for transferring funds between a group of accounts of an upper level and a lower level of a subordinate account located at a level lower than a second level such that the balance of each of the subordinate accounts is a predetermined set amount. 1 from subordinate accounts belonging to
A first transfer unit for transferring funds necessary for a subordinate account located in the next lower hierarchy, and when the first transfer unit performs the transfer, the balance of the subordinate account located in the second hierarchy is predetermined. And a second transfer unit for transferring funds required from the central account to the subordinate account located in the second tier so that the set amount of money is set.

[0012] The transfer processing system according to the present invention comprises a series of one or more supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervision account. A transfer processing system for transferring funds between a group of accounts, wherein one or a plurality of central accounts located in the first tier are located in the lowest tier, From the subordinate account, a second
A first transfer unit for sequentially transferring necessary funds toward the subordinate account located at the second hierarchy, and after performing the transfer by the first transfer unit, the subordinate account located at the second hierarchy Transfer necessary funds from the account to the general account,
After performing the transfer by the second transfer means and the second transfer means,
It is necessary for the subordinate account located in the lower hierarchy from the subordinate account located in the upper hierarchy to have a predetermined set amount for each of the subordinate accounts located in the lower hierarchy than the second hierarchy. A third transfer unit for transferring funds, and a balance of the subordinate account located in the second tier when the third transfer unit performs the transfer, to a predetermined set amount.
And a fourth transfer unit for transferring funds required from the central account to the subordinate account located in the second hierarchy.

The present invention can be realized as a control method for controlling the transfer processing system as described above, and also as a recording medium on which a program for realizing such control is recorded. .

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS First, a processing scheme of a transfer processing system for concentrating and allocating funds according to the present invention will be described with reference to FIG. FIG. 1 is a diagram showing a relationship between accounts in an account group forming a tree structure having three layers.

As shown in FIG. 1, in this example, the supervising company 10 and the group companies 20 and 21 of the supervising company 10 are provided.
And a business group including business offices 30, 31, and 32 of the group company 20 and business offices 33 and 34 of the group company 21. The controlling company 10 is the controlling account AC10
have. Group company 20 has a controlling account AC10
, And the group company 21 also has a child account AC21 subordinate to the supervising account AC10. The establishments 30, 31, and 32 respectively have grandchild accounts AC30, AC31, and AC subordinate to the child account AC20.
32, and the establishments 33 and 34 have grandchild accounts AC33 and AC34 subordinate to the child account AC21, respectively.

Therefore, in the example of FIG. 1, the central account AC10 exists at the position of the first hierarchy, the child accounts AC20 and AC21 exist at the position of the second hierarchy, and the grandchild account AC21 exists at the position of the third hierarchy. There are AC30 to AC34. That is, a tree structure composed of three stages is configured.

According to the scheme of the transfer processing system according to the present embodiment, all the sub accounts AC2,
0, AC21 and grandchild accounts AC30, 31, 32, 33, 3
4 can be concentrated on the control account AC10. In this case, first, grandchild accounts AC30, AC31, AC
32 funds were transferred to the child account AC20, and the grandchild account AC
33, The funds of AC34 are transferred to the child account AC21. Subsequently, the realization is realized by transferring the funds of the child accounts AC20 and AC21 to the general account AC10.

Further, according to the scheme of the transfer processing system according to the present embodiment, all of the sub accounts A,
C20, AC21 and grandchild accounts AC30, 31, 32, 3
It is also possible to allocate funds to the control account AC10 to 3, 34. In this case, first, grandchild accounts AC30, AC3
1. Transfer funds of child account AC20 to AC32 by a necessary amount, and transfer child accounts AC to grandchild accounts AC33 and AC34.
Transfer 21 funds by the required amount. Subsequently, this is realized by transferring the funds of the control account AC10 to the child accounts AC20 and AC21 by a necessary amount. However, in this case, the balance of the child accounts AC20 and AC21 is allowed to temporarily become negative.

Next, the configuration of the transfer processing system 40 according to one embodiment of the present invention will be described with reference to FIG. FIG. 2 is a block diagram illustrating a hardware configuration of the transfer processing system 40.

As shown in FIG. 2, the transfer processing system 40 according to the present embodiment comprises a
A cash concentration distribution transfer processing system 44, an electronic banking system 46, a money management service system 48, a fund concentration distribution processing result system 50,
The fee management system 52 and the information system 54
It is provided with.

Data of a registration request form created based on a customer's request for centralized fund allocation is input to the centralized fund allocation registration system 42. Then, the centralized fund allocation registration system 42 creates a centralized fund allocation master database 60 based on the input data.

FIG. 3 is a flow chart for explaining a master database registration process executed by the cash concentration distribution registration system 42 when data relating to the cash concentration distribution is input.

As shown in FIG. 3, the cash concentration distribution registration system 42 first determines whether the format of the input data is correct (step S10). When the format of the input data is not correct (step S10:
No), an error message to that effect is output, and the master database registration process ends. On the other hand, if the format of the input data is correct (step S1)
0: Yes), the input data is registered as master data in the master database 60 (step S1).
2) The master database registration process ends.

FIG. 4 is a diagram showing the structure of master data in the master database 60. As shown in FIG. 4, the master data includes own account information IN10, which is information on the account itself, and a parent account, which is information on a parent account located one level higher when the account is a child account. It has information IN20 and transfer information IN30 necessary for performing transfer processing.

The own account information IN10 has a store number D10, a subject D11, and an account number D12. Store number D1
0 stores the main branch number of this account. Subject D1
1 stores the account of this account. In the present embodiment, “1” is stored in the case of a savings account, and “2” is stored in the case of a checking account. The account number of this account is stored in the account number D12. The store number D10, the subject D11, and the account number D12 serve as key information, and it is specified which account is the master data.

The parent account information IN20 has a store number D20, a subject D21, an account number D22, and a system section D23. The branch number of the parent account is stored in the store number D20. The subject of this parent account is stored in the subject D21. The account number of this parent account is stored in the account number D22. These shop numbers D20, subjects D21,
Based on the account number D22, a parent account located one level higher when the own account information IN10 is set as a child account is specified. The system section D23 stores whether the master data is for fund concentration processing or fund allocation processing.

The transfer information IN30 includes a transfer date D30, a timing D31, a transfer category D32, an amount D33,
It has a fund management service D34, a management code D35, and a priority order D36. The transfer date D30 stores the date on which transfer processing based on the master data is to be performed. The timing D30 stores the time at which the transfer processing based on the master data is to be performed. Transfer category D32
In this example, the type of transfer process to be performed is stored. In the present embodiment, when transferring a fixed amount (for example, 100,000 yen), “1” is stored, and the balance of the account specified by the own account information IN10 is fixed (for example,
"2" is stored when the transfer is made to be 200,000 yen), and "3" is stored when the whole amount is transferred.

In the amount of money D33, the transfer category D32 is "1".
, A fixed amount of money to be transferred (for example, 100,000 yen) is stored, and when the transfer category D32 is “2”,
The balance to be set in the account specified by the own account information IN10 (for example, 200,000 yen) is stored, and when the transfer category D32 is "3", the entire amount is transferred, so the amount is not stored. The fund management service D34 stores information on whether or not the fund management service provided by the fund management service system 48 in FIG. 2 is used. Management code D3
5 stores account identification information arbitrarily assigned by the customer to the account specified by the own account information IN10.

The priority order D36 stores the priority order for performing the transfer process when a plurality of accounts exist in the same hierarchy in a series of account groups constituting the tree structure. In other words, if there are multiple accounts belonging to the same hierarchy,
Transfer processing is performed in ascending order of priority.

The master data shown in FIG. 4 shows data contents when the account specified by the own account information IN10 is other than the supervising account. When the account specified by the own account information IN10 is a supervising account, the data content of the master data is as shown in FIG. That is,
In the case of the control account, there is no parent account for the account specified by the own account information IN10. Therefore, the parent account information I
Each item of N20 is left blank. Therefore, by looking at the contents of the parent account information IN20 of the master data, the transfer processing system 40 can determine whether the account is a general account or a subordinate account that is not.

Next, with reference to FIG. 6, a description will be given of the master database adequacy check process executed by the centralized fund allocation registration system 42. The master database properness check process shown in FIG. 6 is a process performed after the input of the master data to the master database 60 of the centralized fund allocation registration system 42 is completed.

As shown in FIG. 6, first, the cash concentration distribution registration system 42 determines whether or not there is a subordinate relationship in which one child account has a plurality of parent accounts (step S20). The subordinate relationship between the child account and the parent account in the account group according to the present embodiment has a tree structure. Therefore, a dependency relationship in which a plurality of parent accounts exist in one child account is not recognized. However, such dependency may be recognized.

If a plurality of parent accounts do not exist in one child account (step S20: No), the cash concentration distribution registration system 42 checks whether the master database 60 is consistent with the deposit ledger database 62. A determination is made (step S21). This deposit ledger database 6
Reference numeral 2 denotes a database serving as a ledger of a deposit account provided in the fund concentration distribution transfer processing system 44. Therefore, the cash concentration distribution registration system 42 accesses the deposit ledger database 62 via the cash concentration distribution transfer processing system 44, and checks whether there is any inconsistency between the master database 60 and the deposit ledger database 62. Confirm. For example, when the account specified by the own account information IN10 of the input master data does not actually exist, there is an inconsistency between the two.

In step S21, when there is no inconsistency between the master database 60 and the deposit ledger database 62 (step S21: No), the parent account specified by the parent account information IN20 of the master data has been canceled. Is determined (step S22).
When the parent account has not been canceled (Step S22: No)
In this case, the master database properness check processing is terminated without outputting an error.

On the other hand, in step S20 described above,
If it is determined that there is a plurality of parent accounts in one child account (step S20: Yes), a duplicate error describing this fact is output (step S23), and the master database adequacy check processing ends.

When it is determined in step S21 that there is an inconsistency between the master database 60 and the deposit ledger database 62 (step S21: Ye)
In step s), an inconsistency error describing this fact is output (step S24), and the master database properness check processing ends.

If it is determined in step S22 that the parent account has been canceled (step S22: Y
In step es), a cancellation error describing that fact is output (step S25), and the master database properness check processing ends.

Next, a process request data creation process executed by the centralized fund allocation registration system 42 will be described with reference to FIG. The processing request data creation processing shown in FIG.
This is a batch process that is executed at a rate of the number of times.

As shown in FIG. 7, first, the fund concentration distribution registration system 42 searches the master database 60 and selects one piece of master data that matches the timing at which the processing request data creation processing is activated. (Step S30). Specifically, the cash concentration distribution registration system 4
2 is to search the master database 60 and transfer the master data (see FIG. 4) on the transfer date D30 and timing D31
Examine the contents of Then, one piece of master data that matches the date and time when the processing request data creation processing is executed is selected.

Next, the fund concentration distribution registration system 42
The hierarchy L as a variable is set to 1 (step S3
1). Subsequently, the fund centralized allocation registration system 42 determines whether the account specified by the own account information IN10 of the selected master data is a supervising account (step S32). Specifically, the cash concentration distribution registration system 42
Checks the parent account information IN20 of the selected master data (see FIG. 4). If no data is stored in the parent account information IN20, it is possible to determine that the account specified by the own account information IN10 is a general account.

When it is determined that the account specified by the own account information IN10 is not a supervision account (step S32: No)
First, the centralized fund allocation registration system 42 searches the master database 60 and acquires master data of the account specified by the parent account information IN20 of the selected master data (step S33). That is, parent account information IN2
A search is made for master data in which the account specified by 0 is set as the own account information IN10. Then, the layer L which is a variable is incremented (step S34), and the above-described step S32 is performed.
Return to

In this step S32, when the account specified by the own account information IN10 of the master data of interest at that time is a general account (step S3).
In 2), processing request data is created (step S3).
5). FIG. 8 is a diagram showing a data structure of the processing request data.

As shown in FIG. 8, the processing request data includes master account information IN4 shown in FIG.
In addition to 0, the data configuration is such that the transfer date D30 and the timing D31 are deleted from the transfer information IN30.
The general account information IN40 includes the store number D40 of the general account corresponding to the account specified by the own account information IN10 and the subject D4.
1 and account number D42, and own account information IN1
And a tier D43 indicating at which tier the account specified by 0 is located. For example, when the account specified by the own account information IN10 is a supervisory account, the hierarchy D43 is “1”, and when the account specified by the own account information IN10 is a child account directly subordinate to the supervisory account. , The hierarchy D43 becomes “2”.

Next, as shown in FIG. 7, the centralized fund allocation registration system 42 determines whether or not the search of all master data in the master database 60 has been completed (step S36). When the search of all master data has not been completed (step S36: No)
, The processing from step S30 described above is repeated.

When the search for all the master data is completed (step S36: Yes), the created processing request data is rearranged (step S37). Specifically, the fund concentration distribution registration system 42 stores the processing request data shown in FIG.
Sorting is performed based on N40. That is, first,
Based on the system category D23, the data is classified into processing request data for fund concentration processing and processing request data for fund allocation processing. Subsequently, the store number D40, the subject D41, and the account number D42 are classified according to the same item, and a plurality of pieces of processing request data using the same account as a control account are collected.

Then, in the case of the fund concentration processing, the hierarchy D43
Then, two sets of a series of processing request data arranged in the order of the processing request data having a large value of are generated. When there is processing request data having the same value of the hierarchy D43, the data is arranged in ascending order of the value of the priority order D36. As a result, a series of processing request data is arranged in the order of the lower hierarchy and the higher priority in the tree structure.

On the other hand, in the case of the fund allocation process, two sets of a series of processing request data arranged in the descending order of the value of the hierarchy D43 and the descending order of the value of the priority D43 are generated. Priority D36 in ascending order of value
A set of a series of processing request data arranged in descending order of the value That is, a total of three sets of processing request data are generated.

Next, the fund concentration distribution registration system 42
A series of processing request data after the rearrangement is transmitted to the fund concentration distribution transfer processing system 44 (step S3).
8). In the present embodiment, in the case of the fund concentration processing, two sets of this series of processing request data are transmitted to the fund concentration distribution transfer processing system 44, and in the case of the fund distribution processing, this series of processing request database Are transmitted to the fund concentration distribution transfer processing system 44 for three sets.

In the case of the fund concentration processing, the first set is data for inquiring whether or not actual fund concentration processing is possible in the fund concentration distribution transfer processing system 44, and the second set is the fund concentration distribution. Transfer processing system 4
In step No. 4, the data is used for actually performing the fund concentration transfer process.

In the case of the fund allocation processing, as the first set,
A series of process request data arranged in the order of the value of the hierarchy D43 in the descending order and the value of the priority D36 is transmitted, and as the second set, on the contrary, in the order of the value of the hierarchy D43 being small, the priority D36 A series of processing request data arranged in descending order of the value of
A series of processing request data arranged in the descending order of the value of 3 and the descending order of the value of the priority order D36 is transmitted. in this case,
The first set and the second set serve as data for inquiring whether or not actual fund allocation processing is possible in the cash concentration distribution transfer processing system 44.
In the cash concentration distribution transfer processing system 44, the data is used for actually performing the cash concentration transfer processing. Thus, the processing request data creation processing ends.

Next, the cash concentration distribution transfer processing system 44
Will be described. First, the fund concentration process will be described, and then the fund allocation process will be described.

In the case of the fund concentration process, first, an inquiry process shown in FIG. 9 is performed. The inquiry processing shown in FIG. 9 is executed for each processing request when a series of processing request data of the first set is received from the fund concentration distribution registration system 42. As described above, since a series of processing request data is arranged in the order of the lower hierarchy and the higher priority in the tree structure, this inquiry processing is also executed in this order.

As shown in FIG. 9, first, the cash concentration distribution transfer processing system 44 checks whether or not an account exists in the processing request data (step S40). Specifically, the fund concentration distribution transfer processing system 44 searches the deposit ledger database 62, and finds own account information IN10 and parent account information IN20 in the processing request data (see FIG. 8).
Then, it is confirmed whether or not the respective accounts specified by the management account information IN40 exist in the deposit ledger database 62, respectively. For example, the cash concentration distribution registration system 4
If these accounts are canceled for any reason after registering these accounts in the second master database 60, the corresponding accounts do not exist in the deposit ledger database 62.

If these corresponding accounts exist (step S40: Yes), the centralized fund transfer processing system 44 determines whether the state of each of these accounts is transferable (step S41). . In particular,
The fund concentration distribution transfer processing system 44 searches the deposit ledger database 62, and finds own account information IN10, parent account information IN20, and general account information IN4 in the processing request data.
It is determined whether or not each account specified by “0” is in a state where transfer processing is possible. For example, the master database 60 of the cash concentration distribution registration system 42
If these accounts are suspended for any reason after registering these accounts, the accounts will not be in a transferable state.

If these accounts are ready for account transfer (step S41: Yes), it is determined whether the transfer amount is transferable (step S4).
2). Specifically, the fund concentration distribution transfer processing system 44
Searches the deposit ledger database 62 and determines whether the balance of the account specified by the own account information IN10 in the processing request data (see FIG. 8) is sufficient for the transfer amount. For example, “1” for transferring a fixed amount is stored in the transfer category D32 in the processing request data (see FIG. 8), and when the transfer amount D33 is 100,000 yen, the own account information IN in the deposit ledger database 62
When the balance of the account specified in 10 is 90,000 yen,
The transfer amount cannot be transferred.

As described below, the balance of the account specified by the own account information IN10 is a virtual balance assuming that a transfer is made from an account located at a lower hierarchy. is there.

In this step S42, if the transfer amount can be transferred (step S42: Yes),
After virtually adding the transfer amount of the account specified by the own account information IN10 to the balance of the account specified by the parent account information IN20, the balance of the account specified by the own account information IN10 in the deposit ledger database 62 Is held (step S43). That is, with respect to the account specified by the own account information IN10, payout and deposit in processes other than the transfer process according to the present embodiment are prohibited.

Subsequently, transfer permission is stored as a processing result in the processing result database 64 (step S44). That is, an inquiry result indicating that transfer processing is possible for the account specified by the own account information IN10 of the processing request data is stored. Thus, the inquiry processing ends.

On the other hand, if it is determined in step S40 that the corresponding account does not exist (step S40: No),
If it is determined in step S41 that the account status is not in a transferable state (step S41: No), and if it is determined in step S42 that the transfer amount cannot be transferred (step S42: No), the processing result database In step 64, transfer failure is stored as a processing result (step S45). That is, for the account specified by the own account information IN10 of the processing request data,
Stores the inquiry result indicating that transfer processing is not possible. Thus, the inquiry processing ends.

Next, a description will be given of the fund concentration process executed by the fund concentration distribution transfer processing system 44 with reference to FIG. The fund concentration process shown in FIG. 10 is a process performed collectively for a series of account groups forming a tree structure in which the same account is the managing account.

As shown in FIG. 10, the centralized fund allocation transfer processing system 44 searches the query result database 64 and obtains a query result of a series of accounts that form a tree structure that is ultimately subordinate to one central account. Then, it is determined whether or not there is an item that cannot be transferred (step S50).

If there is no transferable inquiry result in the account group constituting one tree structure (step S
50: No), the actual fund concentration transfer process is performed (step S51). In other words, when all the accounts constituting one tree structure can be transferred, the transfer processing of the concentration of funds is performed. The fund concentration transfer process is executed based on the second set of series of process request data received from the fund concentration distribution registration system 42 in the order in which the process request data is arranged. In other words, the processes are executed in the order of the lower hierarchy and the higher priority in the tree structure. By this fund concentration transfer process, the deposit ledger database 62 is actually updated. As a result, funds are transferred in order from the account with the lowest hierarchy in the tree structure, and the funds are correctly concentrated on the supervising account.

Next, the fund concentration distribution transfer processing system 44
Releases the account hold (step S52). That is, own account information I in the deposit ledger database 62
Release the account hold of each account specified by N10.

Next, the fund concentration distribution transfer processing system 44
Determines whether the fund concentration transfer process has actually been performed (step S53). If the transfer processing is successful (step S53: Yes), the contents of the transfer processing are stored in the deposit / withdrawal database 66 (step S54). The deposit and withdrawal database 66 is a database provided to provide various services for managing funds generated by the transfer process to customers.
Deposit ledger database 62 which is a database of accounting system
And is provided separately.

Next, the cash concentration distribution transfer processing system 44
Stores the transfer execution as the transfer result in the processing result database 64 (step S55). Thus, the fund concentration process ends.

On the other hand, in step S50 described above,
When at least one non-transferable inquiry result exists in the group of accounts constituting one tree structure (step S50: Y
es) And if it is determined in step S53 that the transfer processing of the concentration of funds has not been performed (step S53), transfer non-execution is stored as the transfer result in the processing result database 64 (step S5).
6). Thus, the fund concentration process ends.

Up to now, the fund concentration processing performed by the fund concentration distribution transfer processing system 44 has been described.
Next, a description will be given of a fund distribution process similarly performed by the fund concentration distribution transfer processing system 44.

In the case of the fund allocation processing, first, a first inquiry processing shown in FIG. 11 is performed. The first inquiry processing shown in FIG. 11 is executed for each processing request data when the first set of series of processing request data is received from the fund concentration distribution registration system 42. As described above, since a series of processing request data is arranged in the order of the lower hierarchy and the higher priority in the tree structure, the first inquiry processing is also executed in this order.

As shown in FIG. 11, first, the cash concentration distribution transfer processing system 44 checks whether an account in the processing request data exists (step S60). Specifically, the fund concentration distribution transfer processing system 44 searches the deposit ledger database 62, and finds that each account specified by the own account information IN10, the parent account information IN20, and the general account information IN40 in the processing request data is: It is confirmed whether each exists in the deposit ledger database 62.

If these corresponding accounts exist (step S60: Yes), the centralized fund transfer processing system 44 determines whether the state of each of these accounts is transferable (step S61). . In particular,
The fund concentration distribution transfer processing system 44 searches the deposit ledger database 62, and finds own account information IN10, parent account information IN20, and general account information IN4 in the processing request data.
It is determined whether or not each account specified by “0” is in a state where transfer processing is possible.

If these accounts are in a state in which account transfer is possible (step S61: Yes), it is determined whether or not the transfer amount is transferable (step S6).
2). Specifically, the fund concentration distribution transfer processing system 44
Searches the deposit ledger database 62 and determines whether the balance of the account specified by the parent account information IN20 in the processing request data (see FIG. 8) is sufficient for the transfer amount. For example, “2” for setting the balance of the account specified by the own account information IN10 to a constant is stored in the transfer category D32 in the processing request data (see FIG. 8),
If the amount D33 is 200,000 yen, the own account information I
When the balance of the account specified by N10 is 0 yen and the balance of the account specified by the parent account information IN20 in the deposit ledger database 62 is 150,000 yen, the transfer amount cannot be transferred. On the other hand, when the balance of the account specified by the parent account information IN20 is 300,000 yen, the transfer amount of 200,000 yen can be transferred.

As described below, the balance of the account specified by the parent account information IN20 is obtained by subtracting the amount already held for the transfer of an account located at a lower level than this. This is a virtually set balance.

If the transfer amount is transferable (step S62: Yes), only the amount to be transferred from the balance of the account specified by the parent account information IN20 to the account specified by the own account information IN10 is held. (Step S63). That is, the amount of money to be transferred to the account specified by the own account information IN10 is virtually subtracted from the account specified by the parent account information IN20 to secure the amount of money to be transferred. In the above example, the balance of the account specified by the parent account information IN20 is virtually set to 300,000 yen-200,000 yen = 10
Set to 10,000 yen.

Subsequently, transfer permission is stored as a processing result in the processing result database 64 (step S64). That is, an inquiry result indicating that transfer processing is possible for the account specified by the own account information IN10 of the processing request data is stored. Thus, the first inquiry processing ends.

On the other hand, if it is determined in step S60 that the corresponding account does not exist (step S60: No),
If it is determined in step S61 that the account status is not transferable (step S61: No), transfer failure is stored as an inquiry result in the processing result database 64 (step S65). That is, for the account specified by the own account information IN10 of the processing request data, an inquiry result indicating that transfer processing is not possible is stored. Thus, the first inquiry processing ends.

If it is determined in step S62 that the transfer amount cannot be transferred (step S62: No), the balance of the account specified by the parent account information IN20 is held including the insufficient transfer amount. (Step S66). That is, the amount required for performing the transfer process to the account specified by the own account information IN10 is secured by setting the balance of the account specified by the parent account information IN20 to a virtual negative balance. I do.
For example, in the above example, the balance of the account specified by the parent account information IN20 is virtually reduced to 150,000 yen-200,000 yen =-
Set to 50,000 yen.

Next, the cash concentration distribution transfer processing system 44
Stores the transfer failure in the processing result database 64 as the inquiry result (step S67). That is, for the account specified by the own account information IN10 of the processing request data, the inquiry result indicating that transfer processing is impossible with the current parent account balance is stored. Thus, the first inquiry processing ends.

Next, in the case of fund allocation processing, a second inquiry processing shown in FIG. 12 is performed. The second inquiry process shown in FIG. 12 is executed collectively for the account group constituting one tree structure when the second set of series of processing request data is received from the cash concentration distribution registration system 42. You.
Further, as described above, since the series of processing request data are arranged in the order of the hierarchy in the tree structure, the second inquiry processing is also executed in this order.

As shown in FIG. 12, first, the fund concentration distribution transfer processing system 44 searches the processing result database 64 to confirm whether or not the transfer result of the control account reference is possible (step S70). If the transfer is possible (step S70: Yes), it is determined whether the transfer process is possible for all the accounts located one level below the tree structure (step S71). That is, by the first inquiry process shown in FIG. 11, the account in the hierarchy below the supervising account holds the total shortfall of the transfer amounts of the subordinate accounts as a virtual balance. Therefore, for these virtual balances,
Determine if the controlling account has enough balance to transfer.

If transfer processing is possible for all accounts belonging to one level below the supervised account (step S71: Yes), the processing result database 64 is searched, and one step below the supervised account is performed. Among the accounts located in the hierarchy of
It is determined whether or not there is an account having the result of the first inquiry process that is not transferable (step S72).

If there is an account having an inquiry result indicating that transfer cannot be made (step S72: Yes), the amount to be transferred to that account is secured in the general account and held (step S73). Subsequently, the inquiry result of the account that was not transferable is changed to transferable (step S74).

When the process in step S74 is completed, and when there is no account having a transfer impossible inquiry result in the layer immediately below the supervised account in step S72 (step S72: No), Checks whether there is an account of a lower hierarchy than this (step S75). If there is an account at a lower hierarchy (step S75: Yes), the process returns to step S71, and the processing from step S71 described above is repeated for each of the accounts at the hierarchy immediately below the supervising account.

If it is determined in step S75 that there is no lower-level account (step S75:
No), in the above-described step S70, when the inquiry result of the supervised account cannot be transferred (step S70: N
o) And, in the above-mentioned step S71, when it is not possible to perform the transfer process for all the accounts in the next lower layer (step S71: No), the second
End the inquiry processing.

Next, with reference to FIG. 13, a description will be given of the fund allocation processing executed in the fund concentration allocation transfer processing system 44. The fund allocation process shown in FIG. 13 is a process that is collectively performed on an account group that forms a tree structure with the same account as a supervising account.

As shown in FIG. 13, the centralized fund allocation transfer processing system 44 searches the inquiry result database 64 and obtains the inquiry result of one group of accounts that finally forms a tree structure subordinate to one central account. Then, it is determined whether or not there is an item that cannot be transferred (step S80).

In the accounts constituting one tree structure,
When there is no transfer result that cannot be transferred (step S8)
(0: No), the fund allocation process is actually performed (step S81). That is, when all the accounts constituting one tree structure can be transferred, the fund allocation transfer process is performed. The transfer processing of the fund allocation is executed based on the third set of processing request data received from the centralized fund allocation registration system 42 in the order of the processing request data. In other words, the processes are executed in the order of the lower hierarchy and the higher priority in the tree structure. By this fund allocation transfer process, the deposit ledger database 62 is actually updated. As a result, funds are transferred in order from the account with the lowest hierarchical level in the tree structure, and the funds are distributed to the accounts constituting the tree structure that ultimately subordinate to one central account.

In this fund distribution process, since the transfer is performed from an account having a lower hierarchical level in the tree structure, the balance of the account may temporarily become negative. But,
In the above-described first inquiry process shown in FIG. 11 and the second inquiry process shown in FIG. 12, it has been found that funds are ultimately allocated from the central account. Therefore, even if the balance of the account temporarily becomes negative, the funds are finally allocated to each account constituting the tree structure, and the balance of each account becomes a positive predetermined amount or zero yen .

Next, the fund concentration distribution transfer processing system 44
Releases the account hold (step S82). That is, the parent account information I in the deposit ledger database 62
The account hold of each account specified by N20 is released.

Next, the fund concentration distribution transfer processing system 44
Determines whether the fund allocation transfer process has actually been completed (step S83). If the transfer processing is successful (step S83: Yes), the contents of the transfer processing are stored in the deposit / withdrawal database 66 (step S84).

Next, the fund concentration distribution transfer processing system 44
Stores the transfer execution as the transfer result in the processing result database 64 (step S85). Thus, the fund concentration process ends.

On the other hand, in step S80 described above,
When at least one non-transferable inquiry result exists in the group of accounts constituting one tree structure (step S80: Y
es) And if it is determined in step S83 that the transfer process of the fund allocation has not been performed (step S83), transfer non-execution is stored as the transfer result in the processing result database 64 (step S8).
6). Thus, the fund allocation process ends.

Next, the use of data stored in the processing result database 64 and the deposit / withdrawal database 66 will be described. As shown in FIG. 2, the data accumulated in the deposit / withdrawal database 66 by the fund concentration transfer processing and the fund allocation transfer processing can be browsed by the customer via the electronic banking system 46.
That is, the contents of the transfer processing can be confirmed using the electronic banking terminal of the customer.

When the customer has subscribed to the fund management service, the fund management service system 48 performs various kinds of fund management generated by the fund concentration transfer processing and the fund allocation transfer processing. For example, the fund management service system 48 makes a database of loans and transfers by these transfer processes, and performs a journalizing process according to an increase and decrease in the balance of the loans. Then, these data or databases are provided to the customer.

The fund concentration distribution processing result system 50 acquires the fund concentration transfer processing result and the fund distribution transfer processing result from the processing result database 64 and creates various return materials. For example, a transfer result notification material is created to the customer, or a transfer schedule is created for business processing of the financial institution.

Further, the commission management system 52 accumulates the data of the transfer processing result for, for example, one month, and calculates the commission of the service relating to the fund concentration distribution processing. Then, the calculated fee is charged to the customer.

The information system 54 is connected to a terminal 56 installed at a head office or the like of a financial institution. Using this terminal 56, the person in charge of this financial institution can browse various data relating to the transfer processing of the concentration of funds and the transfer processing of the distribution of funds.

Next, an example of the case where the above-described fund concentration processing is executed in the transfer processing system 40 will be described with reference to FIG. In the example of FIG. 14, the grandchild account A
The funds of C30 to AC34 and the child accounts AC20 and AC21 are all concentrated in the control account AC10. Also,
The initial balance of each account is as follows: grandchild account AC30 is 100,000 yen, grandchild account AC31 is 150,000 yen, grandchild account AC32
Is 200,000 yen, the grandchild account AC33 is 50,000 yen, the grandchild account AC34 is 150,000 yen, and the child account AC20 is 10 million yen.
It is assumed that the sub-account AC21 is 300,000 yen and the supervising account AC10 is 0 yen.

As shown in FIG. 14, first, the transfer processing system 40 assumes that the 100,000 yen balance of the grandchild account AC30 has been transferred to the child account AC20 in the inquiry processing of FIG. Is virtually 100,000 yen + 100,000 yen = 200,000 yen. And grandchild account AC30
Is held, and the transfer result is stored in the processing result database 64 as the inquiry result of the grandchild account AC30.

Next, the transfer processing system 40
Assuming that 150,000 yen, which is the balance of C31, is transferred to the child account AC20, the balance of the child account AC21 is virtually set to 200,000 yen + 150,000 yen = 350,000 yen. Then, 150,000 yen, which is the balance of the grandchild account AC31, is held, and the transfer result is stored in the processing result database 64 as the inquiry result of the grandchild account AC31.

Next, the transfer processing system 40
Assuming that 200,000 yen, which is the balance of C32, is transferred to the child account AC20, the balance of the child account AC21 is virtually set to 350,000 yen + 200,000 yen = 550,000 yen. Then, 200,000 yen, which is the balance of the grandchild account AC32, is held, and the transfer result is stored in the processing result database 64 as the inquiry result of the grandchild account AC32.

By performing the same processing on the grandchild accounts AC33 and AC34 and the child account AC21, the virtual balance of the child account AC21 becomes 500,000 yen, and the processing result database 6
In 4, the transfer permission is stored as the inquiry result of the grandchild accounts AC33 and AC34.

Next, the transfer processing system 40
550,000 yen, which is the virtual balance of C20, is transferred to the control account AC1.
Assuming a case where the balance is transferred to 0, the balance of the control account AC10 is virtually reduced to 550,000 yen. And child account AC20
Is held, and the transfer result is stored in the processing result database 64 as an inquiry result of the child account AC20.

Next, the transfer processing system 40
500,000 yen, which is the virtual balance of C21, is transferred to the control account AC1.
Assuming that the balance is transferred to 0, the balance of the supervising account AC10 is virtually set to 1.05 million yen. And child account AC2
One virtual balance of 500,000 yen is held, and the transfer result is stored in the processing result database 64 as an inquiry result of the child account AC21.

Next, in the fund concentration processing of FIG. 10, the transfer processing system 40 actually performs the transfer processing virtually performed in the inquiry processing because all the inquiry results of the processing result database 64 are transferable. As a result, the balance of the supervising account AC10 becomes 1.05 million yen, and the balance of the other accounts becomes 0 yen.

Next, an actual example in the case where the above-described fund allocation processing in the transfer processing system 40 is executed will be described with reference to FIG. In the example of FIG.
Funds are allocated so that the balances of C30 to AC34 and child accounts AC20 and AC21 are all 200,000 yen. Also,
The initial balance of each account is as follows: grandchild account AC30 is 100,000 yen, grandchild account AC31 is 200,000 yen, grandchild account AC32
Is 150,000 yen, the grandchild account AC33 is 50,000 yen, the grandchild account AC34 is 0 yen, the child account AC20 is 300,000 yen, the child account AC21 is 100,000 yen, and the control account A
Assume that C10 is 1,000,000 yen.

As shown in FIG. 15, first, the transfer processing system 40 executes the first inquiry process of FIG.
Assuming that 100,000 yen is transferred from child account AC20 in order to virtually reduce 100,000 yen, which is the balance of 30, to 200,000 yen, the balance of child account AC20 is virtually 300,000 yen-1.
By setting the amount to be 100,000 yen = 200,000 yen, 100,000 yen is held in the child account AC20. Then, the transfer permission is stored in the processing result database 64 as the inquiry result of the grandchild account AC30.

Since the balance of the next grandchild account AC31 is 200,000 yen, the transfer processing system 40 stores the grandchild account A in the processing result database 64 without virtually transferring the funds.
Transfer permission is stored as the inquiry result of C31.

Next, the transfer processing system 40
Assuming that 50,000 yen is transferred from the child account AC20 in order to reduce the balance of 150,000 yen of C32 to 200,000 yen, the balance of the child account AC20 is virtually 200,000-50,000 yen = 15.
By setting the amount to 10,000 yen, 50,000 yen is held in the child account AC20. Then, transfer permission is stored in the processing result database 64 as the inquiry result of the grandchild account AC32.

Next, the transfer processing system 40
Assuming that 150,000 yen is transferred from child account AC21 in order to reduce the balance of 50,000 yen of C33 to 200,000 yen, the balance of child account AC21 is virtually 100,000 yen-150,000 yen =-
By setting it to 50,000 yen, 150,000 yen is held in the child account AC21. However, transfer failure is stored in the processing result database 64 as an inquiry result of the grandchild account AC33.

Next, the transfer processing system 40
Child account A to reduce the balance of C34 from 0 yen to 200,000 yen
Assuming that 200,000 yen is transferred from C21, the balance of the child account AC21 is virtually reduced to -50,000 yen-200,000 yen = -2.
By setting it to 50,000 yen, 200,000 yen is held in the child account AC20. However, transfer failure is stored in the processing result database 64 as an inquiry result of the grandchild account AC33.

Next, the transfer processing system 40
Assuming that 50,000 yen is transferred from the control account AC10 in order to reduce the virtual balance of C1500 from 150,000 yen to 200,000 yen, the balance of the control account AC10 is virtually set to 1,000,000-50,000. By making the yen = 950,000 yen, the controlling account AC1
Hold 50,000 yen for 0. Then, transfer permission is stored in the processing result database 64 as the inquiry result of the child account AC20.

Next, the transfer processing system 40 sets the child account A
Assuming a case where 450,000 yen is transferred from the control account AC10 to reduce the virtual balance of −250,000 yen of C21 to 200,000 yen, the balance of the control account AC10 is virtually 950,000-45 yen. By making 10,000 yen = 500,000 yen, general account A
Hold 500,000 yen for C10. Then, transfer permission is stored in the processing result database 64 as the inquiry result of the child account AC21.

Next, the transfer processing system 40 performs the second inquiry processing of FIG. In the second inquiry process, the transfer processing system 40 confirms that the balance of the central account AC10 is virtually positive. And child account AC2
0 and AC21 both have the transfer permission as the inquiry result of the first inquiry processing.
20, there is no particular processing for AC21.

Next, the transfer processing system 40
It is confirmed that C30 to AC32 have transfer permission as a query result of the first query process. On the other hand, grandchild account AC3
3. Since the transfer result of the first inquiry processing of AC34 is “transfer impossible”, the child account AC21 is changed to the grandchild account AC33.
After confirming that 150,000 yen can be transferred, the inquiry result of the grandchild account AC33 is changed to be transferable. Also, after confirming that 200,000 yen can be transferred from child account AC21 to grandchild account AC34,
The inquiry result of the grandchild account AC34 is changed to be transferable.

Next, in the fund allocation processing of FIG. 13, the transfer processing system 40 actually performs the transfer processing virtually performed in the inquiry processing because all the inquiry results of the processing result database 64 are transferable. As a result, the balance of the supervising account AC10 is 500,000 yen, and the balance of the other accounts is 200,000 yen.

Specifically, 100,000 yen is transferred from the child account AC20 to the grandchild account AC30, 0 yen is virtually transferred to the grandchild account AC31 (no need to perform the transfer process), and 50,000 yen is transferred to the grandchild account AC32. Transfer the circle. Then, child account A
From C21, 150,000 yen is transferred to the grandchild account AC33, and 200,000 yen is transferred to the grandchild account AC34. Next, 50,000 yen is transferred from the control account AC10 to the child account AC20, and 450,000 yen is transferred to the child account AC21.

However, this actual transfer processing is performed by the controlling account A
It is also possible to proceed from C10 to a lower-tier account. In this case, first, 50,000 yen is transferred from the control account AC10 to the child account AC20, and 45 yen is transferred to the child account AC21.
Transfer ten thousand yen. Next, 100,000 yen is transferred from the child account AC20 to the grandchild account AC30, 0 yen is virtually transferred to the grandchild account AC31 (no transfer processing is required), and 50,000 yen is transferred to the grandchild account AC32. Then, child account A
From C21, 150,000 yen is transferred to the grandchild account AC33, and 200,000 yen is transferred to the grandchild account AC34.

As described above, according to the transfer processing system 40 according to the present embodiment, it is possible to perform processing for concentrating and distributing funds among account groups constituting a tree structure having a plurality of layers. Therefore, it is possible to respond to various transfer processing needs requested by customers.

Further, in the case of the fund concentration processing, it was confirmed by the inquiry processing that it was possible to sequentially transfer funds from the account located in the lower hierarchy to the account located in the upper hierarchy, in order to concentrate the funds. Later, the actual transfer of funds is performed from an account located in a lower hierarchy to an account located in an upper hierarchy, so that funds can be correctly collected in the central account.

On the other hand, in the case of the fund allocation processing, first, in the first inquiry processing, it is possible to transfer funds from the account located at the lower hierarchy to the account located at the upper hierarchy in order. Make sure there is. Next, in the second inquiry process, it is confirmed that the transfer for distributing funds can be sequentially performed from an account located at a higher hierarchy to an account located at a lower hierarchy. Then, since the actual transfer of funds is performed from the account located at the lower tier to the account located at the upper tier, the funds can be correctly allocated.

Further, in the above-described embodiment, the account balance of each account is held until the transfer process is completed in the inquiry process as to whether transfer is possible. It is possible to prevent a situation in which the transfer process cannot be executed due to the occurrence of the payout process in each account.

In the transfer processing system 40, 1
By performing both the fund concentration process and the fund allocation process on the account group that composes one tree structure, all funds of the subordinate accounts are collected in the central account, and then subordinate to this central account. Funds can be appropriately allocated to all accounts.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the fund concentration processing of the above-described embodiment, as shown in FIG. 14, after all the inquiries and transfers of the grandchild accounts AC30 to AC34 located on the third tier are completed, the child located on the second tier is completed. Account AC
20, AC21 inquiry and transfer. However, even if the inquiry and transfer of all the accounts are not performed for each hierarchy as described above, after paying attention to one branch of the tree structure and completing the inquiry and transfer of the child accounts AC30 to AC32 located at the third hierarchy. Inquiry and transfer of the child account AC20 located in the second hierarchy may be performed. This is illustrated in FIG.
The same applies to the fund allocation processing shown in FIG.

Further, in the above-described embodiment, the case where there is one control account AC10 has been described. However, a plurality of control accounts may be provided.

For each process described in the above embodiment, a program for executing each process is stored in a floppy (registered trademark) disk, CD-ROM (Comp
It can be recorded on a recording medium such as an act Disc-Read Only Memory (ROM), a ROM, or a memory card and distributed in the form of a recording medium. In this case, the above-described embodiment can be realized by causing the transfer processing system 40 to read and execute the recording medium on which the program is recorded.

The transfer processing system 40 as a computer may include another program such as an operating system or another application program. In this case, another program provided in the transfer processing system 40 is used, and the transfer medium 4 is stored in the recording medium.
0 may be recorded from among the programs included in the program 0 to call a program that realizes processing equivalent to that of the present embodiment.

Further, such a program can be distributed not as a recording medium but as a carrier through a network. The program transmitted in the form of a carrier wave over the network is taken into the transfer processing system 40 as a computer, and the above-described embodiment can be realized by executing the program.

[0128] When a program is recorded on a recording medium or transmitted as a carrier over a network, the program may be encrypted or compressed.
In this case, the transfer processing system 40 that reads the program from the recording medium or the carrier wave needs to execute the program after decrypting or expanding the program.

[0129]

As described above, according to the present invention,
Among a series of accounts forming a tree structure with a supervised account located in the first hierarchy and a plurality of subordinate accounts composed of a plurality of subordinates subordinate to the supervised account, an account in a lower hierarchy to an upper hierarchy Since the transfer processing is sequentially performed for the accounts of the third party, the concentration of funds and / or the distribution of funds can be appropriately performed.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a scheme of a fund concentration process and a fund allocation process performed by a transfer processing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a hardware configuration of a transfer processing system according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a master database registration process performed by the fund concentration distribution registration system of FIG. 2;

FIG. 4 is a diagram showing a data configuration of master data according to the embodiment (in the case of an account subordinate to a supervising account).

FIG. 5 is a diagram showing a data configuration of master data according to the embodiment (in the case of a general account).

FIG. 6 is a flowchart illustrating a master database appropriateness check process performed by the fund concentration distribution registration system of FIG. 2;

FIG. 7 is a flowchart illustrating a process request data creation process performed by the fund concentration distribution registration system of FIG. 2;

FIG. 8 is a view showing a data configuration of processing request data according to the embodiment.

9 is a view showing a flowchart (a process for concentrating funds) illustrating an inquiry process performed by the fund concentration distribution transfer processing system of FIG. 2;

10 is a view showing a flowchart for explaining a fund concentration process performed in the fund concentration distribution transfer processing system of FIG. 2 (process for concentrating funds).

11 is a view showing a flowchart (a process for distributing funds) illustrating a first inquiry process performed by the fund concentration distribution transfer processing system of FIG. 2;

FIG. 12 is a view showing a flowchart for explaining a second inquiry process performed in the fund concentration distribution transfer processing system of FIG. 2 (process for allocating funds).

13 is a view showing a flowchart (processing for allocating funds) for explaining the fund allocation processing performed in the fund concentration distribution transfer processing system of FIG. 2;

FIG. 14 is a view showing an example of a case where processing for concentrating funds is performed in the transfer processing system of FIG. 2;

FIG. 15 is a view showing an example of a case where processing for distributing funds is performed by the transfer processing system of FIG. 2;

[Explanation of symbols]

 Reference Signs List 40 Transfer processing system 42 Cash concentration distribution registration system 44 Fund concentration distribution transfer processing system 46 Electronic banking system 48 Fund management service 50 Fund concentration distribution processing result system 52 Commission management system 54 Information system

Claims (30)

[Claims] Claims: 1. A central account located in a first tier,
Between one or more sub-accounts located at a second tier subordinate to the supervision account and one or more grandchild accounts subordinate to a third tier subordinate to any one of the child accounts A transfer processing system for transferring funds, wherein the first transfer means for transferring funds required from the grandchild account to the child account; and And a second transfer means for transferring funds necessary for the supervising account. 2. The method according to claim 1, wherein the first transfer means transfers funds necessary for all the child accounts located on the second tier from all the grandchild accounts located on the third tier, The second transfer means transfers funds necessary for the supervision account from the child account located in the second hierarchy,
The transfer processing system according to claim 1, wherein: 3. The method according to claim 1, wherein the first transfer unit is configured to execute the first transfer from all the grandchild accounts subordinate to the one child account located in the second hierarchy.
2. The method according to claim 1, wherein after the transfer of funds necessary for the first child account, the second transfer unit transfers the necessary funds from the first child account to the general account. 3. Transfer processing system. 4. Before the first transfer means and the second transfer means actually transfer necessary funds, funds can be transferred between the general account, the child account and the grandchild account. Judge whether it is possible, if it is possible, hold at least the balance of the child account and the grandchild account, so that it is not possible to pay out the funds until this transfer is actually performed The transfer processing system according to any one of claims 1 to 3, wherein: 5. One control account located in the first tier,
Between one or more sub-accounts located at a second tier subordinate to the supervision account and one or more grandchild accounts subordinate to a third tier subordinate to any one of the child accounts A transfer processing system for transferring funds, wherein the necessary funds are transferred from the child account to the grandchild account so that the balance of the grandchild account becomes a predetermined set amount;
Transfer means, and when the first transfer means makes a transfer, transfers funds necessary for the child account from the central account so that the balance of the child account becomes a predetermined set amount. A transfer processing system, comprising: transfer means. 6. The method according to claim 1, wherein said first transfer means transfers funds necessary for all said child accounts located on said third tier from all said child accounts located on said second tier, The said 2nd transfer means transfers the funds required for the said child account located in the said 2nd hierarchy from the said general account located in a 1st hierarchy, The said claim | item 5 characterized by the above-mentioned. Transfer processing system. 7. The method according to claim 1, wherein the second transfer means transfers funds necessary for all the child accounts located in the second tier from the central account located in the first tier to the first transfer.
6. The transfer process according to claim 5, wherein the transfer unit transfers funds required from the child account located on the second tier to the grandchild account located on the third tier. system. 8. Before the first transfer means and the second transfer means actually transfer necessary funds, funds can be transferred between the general account, the child account, and the grandchild account. Judge whether it is possible, and if it is judged possible, hold the balance of at least the control account and the child account so that the funds cannot be paid out until this transfer is actually performed The transfer processing system according to any one of claims 5 to 7, wherein: 9. A single control account located in a first tier,
Between one or more sub-accounts located at a second tier subordinate to the supervision account and one or more grandchild accounts subordinate to a third tier subordinate to any one of the child accounts A transfer processing system for transferring funds, wherein the first transfer means for transferring funds required from the grandchild account to the child account; and A second transfer unit for transferring funds necessary for the supervised account, and after performing the transfer by the second transfer unit, the sub-account is transferred from the child account so that the balance of the grandchild account becomes a predetermined set amount. A third transfer means for transferring funds necessary for the grandchild account; and, when the third transfer means makes a transfer, the balance of the child account is set to a predetermined set amount so that the balance account can And a fourth transfer means for transferring funds necessary for the child account. Transfer processing system, characterized and. 10. A series of account groups forming a tree structure with one or a plurality of supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervised account, A transfer processing system for transferring funds, wherein when one or a plurality of supervising accounts located in the first tier is the highest tier, a second account is determined from the subordinate account located in the lowest tier. A first transfer unit for sequentially transferring necessary funds toward the subordinate account located at the second hierarchy, and after performing the transfer with the first transfer unit, the subordinate account located at the second hierarchy And a second transfer means for transferring necessary funds from the account to the supervising account. 11. The method according to claim 1, wherein the first transfer means is one layer higher than one layer.
After transferring necessary funds from all the subordinate accounts located at the next lower tier to all the subordinate accounts located at the one tier, from the subordinate accounts located at the one tier, The method according to claim 1, wherein necessary funds are transferred to the subordinate account located one level higher than the one level, and the transfer is repeated from the lowest level to the highest level. The transfer processing system according to claim 10. 12. The first transfer means transfers, from all the subordinate accounts located at a lower hierarchy level than one subordinate account located at one hierarchical level, the one subordinate account located at the one hierarchical level to the one subordinate account. After the necessary funds have been transferred, the one subordinate account located in the one tier may be one less than the one tier.
11. The transfer process according to claim 10, wherein necessary funds are transferred to the subordinate account located at the next higher tier, and this is repeated from the lowest tier to the highest tier. system. 13. Before the first transfer means and the second transfer means actually transfer necessary funds, it is determined whether or not funds can be transferred in the central account and the subordinate account. In the event that it is determined that it is possible, at least the balance of the subordinate account is held so that no funds can be paid out until this transfer is actually performed.
The transfer processing system according to claim 10, wherein: 14. A series of account groups forming a tree structure with one or a plurality of supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervised account, A transfer processing system for transferring funds, wherein one of subordinate accounts belonging to a higher hierarchy is set so that the balance of each of the subordinate accounts located in a lower hierarchy than the second hierarchy becomes a predetermined set amount. A first transfer unit that transfers funds necessary for a subordinate account located in a lower tier, and when the first transfer unit makes a transfer, the balance of the subordinate account located in the second tier becomes a predetermined value. And a second transfer means for transferring funds required from the central account to the subordinate account located in the second tier so as to reach the set amount. 15. The method according to claim 15, wherein the first transfer means is one layer higher than one layer.
After transferring necessary funds to all the subordinate accounts located in the next lower tier and from all the subordinate accounts located in the one tier, to the subordinate accounts located in the one tier, The necessary funds are transferred from the subordinate account located one level higher than the first level, and this is repeated from the lowest level to the second level, and the first transfer unit transfers the funds. After performing the above, the second transfer means performs necessary fund transfer from the central account to all the subordinate accounts located in the second hierarchy. The method according to claim 14, wherein Transfer processing system. 16. The second transfer means transfers necessary funds from the central account to all the subordinate accounts located in the second tier, after the second transfer means makes a transfer. The first transfer means transfers necessary funds from all the subordinate accounts located in the second hierarchy to all the subordinate accounts located in the hierarchy one level lower than this, The transfer processing system according to claim 14, wherein the process is repeated from a hierarchy to a subordinate account located at the lowest hierarchy. 17. Before the first transfer means and the second transfer means actually transfer necessary funds, it is determined whether or not funds can be transferred in the central account and the subordinate account. If it is determined that it is possible, hold the balances of the subordinate account and the control account except for at least the account located at the lowest level, and cannot pay out the funds until this transfer is actually performed The transfer processing system according to any one of claims 14 to 16, wherein: 18. A series of account groups forming a tree structure with one or a plurality of central accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the central account, A transfer processing system for transferring funds, wherein when one or a plurality of supervising accounts located in the first tier is the highest tier, a second account is determined from the subordinate account located in the lowest tier. A first transfer unit for sequentially transferring necessary funds toward the subordinate account located at the second hierarchy, and after performing the transfer with the first transfer unit, the subordinate account located at the second hierarchy A second transfer means for transferring necessary funds from the account to the general account; and, after performing the transfer with the second transfer means, each of the subordinate accounts located in a lower hierarchy than the second hierarchy. Set the balance so that the balance is the specified amount A third transfer means for transferring funds necessary for a subordinate account located one level lower from a subordinate account located at a level, and a third level at which the third level transfer means makes a transfer to the second level. And a fourth transfer unit for transferring funds necessary for the subordinate account located in the second tier from the central account so that the balance of the subordinate account located is a predetermined set amount. Transfer processing system. 19. A subordinate account located in a first hierarchy, one or more child accounts subordinate to the supervision account and located in a second hierarchy, and subordinate to any one of the child accounts. And one or more grandchild accounts located in the third tier,
A system control method of a transfer processing system for transferring funds, the method comprising: a first transfer step of transferring necessary funds from the grandchild account to the child account; and after performing a transfer in the first transfer step, A second transfer step of transferring funds required from the child account to the supervising account, the system control method for a transfer processing system. 20. One control account located in the first tier, one or more child accounts located in the second tier subordinate to the control account, and subordinate to any one of the child accounts And one or more grandchild accounts located in the third tier,
A method of controlling a transfer processing system for transferring funds, the method comprising: transferring funds necessary for the grandchild account from the child account so that the balance of the grandchild account becomes a predetermined set amount.
A transfer step, and performing a transfer of funds necessary for the child account from the control account so that the balance of the child account becomes a predetermined set amount when the transfer is performed in the first transfer step; A system control method for a transfer processing system, comprising: a transfer step. 21. One control account located in the first tier, one or more child accounts located in the second tier subordinate to the control account, and subordinate to any one of the child accounts And one or more grandchild accounts located in the third tier,
A system control method of a transfer processing system for transferring funds, the method comprising: a first transfer step of transferring necessary funds from the grandchild account to the child account; and after performing a transfer in the first transfer step, A second transfer step for transferring necessary funds from the child account to the supervising account; and after performing the transfer in the second transfer step, the child account so that the balance of the grandchild account becomes a predetermined set amount. A third transfer step for transferring funds necessary for the grandchild account from the third step, and when the transfer is performed in the third transfer step, the balance account is set so that the balance of the child account becomes a predetermined set amount. And a fourth transfer step of transferring funds necessary for the child account from the system. A system control method for a transfer processing system, comprising: 22. A series of account groups forming a tree structure with one or a plurality of central accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the central account, A system control method of a transfer processing system for transferring funds, wherein, when one or a plurality of central accounts located at the first tier is the highest tier, the dependent account located at the lowest tier A first transfer step of sequentially transferring necessary funds toward the subordinate account located in the second tier, and after performing the transfer in the first transfer step, A second transfer step of transferring necessary funds from the located subordinate account to the supervised account. A system control method for a transfer processing system, comprising: 23. A series of account groups forming a tree structure with one or a plurality of central accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the central account, A system control method of a transfer processing system for transferring funds, wherein a subordinate account belonging to an upper layer is arranged such that the balance of each subordinate account located at a lower layer than the second layer becomes a predetermined set amount. A first transfer step for transferring funds necessary for a subordinate account located one level lower from the account, and, when a transfer is performed in the first transfer step, a subordinate account located in a second level A second transfer step of transferring funds required from the central account to the subordinate account located in the second hierarchy so that the balance becomes a predetermined set amount. System control method. 24. A series of account groups forming a tree structure with one or a plurality of central accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the central account, A system control method of a transfer processing system for transferring funds, wherein, when one or a plurality of central accounts located at the first tier is the highest tier, the dependent account located at the lowest tier A first transfer step of sequentially transferring necessary funds toward the subordinate account located in the second tier, and after performing the transfer in the first transfer step, A second transfer step for transferring necessary funds from the subordinate account located to the supervising account; and a subordinate located at a lower level than the second level after performing the transfer in the second transfer step. The balance of each account is a predetermined set amount A third transfer step in which necessary funds are transferred from a subordinate account located in a higher hierarchy to a subordinate account located in a lower hierarchy, and a transfer is performed in the third transfer step. Transferring the funds necessary for the subordinate account located in the second tier from the central account so that the balance of the subordinate account located in the second tier becomes a predetermined set amount; A system control method for a transfer processing system, comprising: 25. One control account located in a first hierarchy, one or more child accounts located in a second hierarchy dependent on the management account, and one of the child accounts dependent on the one or more child accounts And one or more grandchild accounts located in the third tier,
A recording medium in which a program for controlling a transfer processing system for transferring funds is recorded, wherein a first transfer step for transferring funds required from the grandchild account to the child account; and a transfer in the first transfer step. And a second transfer step of transferring necessary funds from the child account to the central account after performing the program. 26. One control account located in the first tier, one or more child accounts located in the second tier subordinate to the control account, and subordinate to any one of the child accounts And one or more grandchild accounts located in the third tier,
A recording medium on which a program for controlling a transfer processing system for transferring funds is recorded, wherein the transfer of funds necessary for the grandchild account from the child account so that the balance of the grandchild account becomes a predetermined set amount. Do the first
A transfer step, wherein when the transfer is performed in the first transfer step, the necessary funds are transferred from the control account to the child account so that the balance of the child account becomes a predetermined set amount. A recording medium characterized by recording a program comprising: a transfer step. 27. One control account located in the first hierarchy, one or more child accounts located in the second hierarchy depending on the management account, and one of the child accounts dependent on the one or more child accounts And one or more grandchild accounts located in the third tier,
A recording medium in which a program for controlling a transfer processing system for transferring funds is recorded, wherein a first transfer step for transferring funds required from the grandchild account to the child account; and a transfer in the first transfer step. After performing the above, after the transfer in the second transfer step to transfer the necessary funds from the child account to the control account, the balance of the grandchild account becomes a predetermined set amount A third transfer step of transferring funds required from the child account to the grandchild account, and when the transfer is performed in the third transfer step, the balance of the child account becomes a predetermined set amount. And a fourth transfer step for transferring funds necessary for the sub-account from the supervised account. 28. A series of account groups forming a tree structure with one or a plurality of supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervised account, A recording medium on which a program for controlling a transfer processing system for transferring funds is recorded, wherein one or a plurality of central accounts located in the first tier is the highest tier, From the subordinate account located in the second hierarchy to the subordinate account located in the second hierarchy, the necessary funds are sequentially transferred, a first transfer step, after performing the transfer in the first transfer step, A second transfer step for transferring necessary funds from the subordinate account located in the second hierarchy to the supervised account, the program comprising: a second transfer step. 29. A series of account groups forming a tree structure with one or a plurality of central accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the central account, A recording medium in which a program for controlling a transfer processing system for transferring funds is recorded, and the balance of each of the subordinate accounts located at a lower level than the second level is a predetermined set amount. A first transfer step for transferring funds required for a subordinate account located one level lower from a subordinate account belonging to a higher level, and a second level when the transfer is performed in the first transfer step A second transfer step of transferring funds necessary for the subordinate account located in the second hierarchy to the subordinate account located in the second hierarchy so that the balance of the subordinate account located in the subordinate account becomes a predetermined set amount. Recorded Recording medium characterized and. 30. A series of account groups forming a tree structure with one or a plurality of supervised accounts located in a first hierarchy and a plurality of subordinate accounts composed of a plurality of hierarchies subordinate to the supervised account, A recording medium on which a program for controlling a transfer processing system for transferring funds is recorded, wherein one or a plurality of central accounts located in the first tier are set to the highest tier, From the subordinate account located in the second hierarchy to the subordinate account located in the second hierarchy, the necessary funds are sequentially transferred, a first transfer step, after performing the transfer in the first transfer step, A second transfer step for transferring necessary funds from the subordinate account located in the second tier to the supervising account; and after performing the transfer in the second transfer step, is lower than the second tier. In the hierarchy of A third transfer step of transferring funds required from a subordinate account located at a higher tier to a subordinate account located at a lower tier so that the balance of each account becomes a predetermined set amount; When the transfer is performed in the third transfer step, the balance of the subordinate account located in the second tier is necessary for the subordinate account located in the second tier so that the balance of the subordinate account located in the second tier becomes a predetermined set amount. A recording medium characterized by recording a program comprising: a fourth transfer step for transferring funds.