JP2002279191A - Predated completing process system and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide settlements conforming to a predetermined priority order if funds are insufficient, while concurrently processing settlements using account during day hours. SOLUTION: The system includes a computing means 4 for computing account processing requests received by a receiving means 4 on each account day, and a file 6 for recording the results computed by the computing means 4 in the form of account information related to the sum of money that can be withdrawn on every account day. The computing means 4 includes an account processing part 8 which processes account processing requests on the account day which is the same as or prior to a computation date, based on account information on the account day, and a canceling process part 10 which, if account processing requests on a forward account date cannot be settled by the account processing, cancels the account processing requests which are lower in priority order among a plurality of account processing requests counted as settled on the account date on which settlements cannot be made.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a future completion system and method, and more particularly, to a system and method for performing settlement such as transfer using a deposit account at a financial institution.
Further, the present invention relates to an optimization process when a plurality of processes compete for a common resource such as a balance of a deposit account.

[0002]

2. Description of the Related Art Conventionally, utility bill transfer processing has been
After the automatic teller machine (ATM), the automatic teller machine (CD), and the online system were shut down and the account balance was confirmed, it was executed in batch processing. That is, withdrawal processing (withdrawal processing) from the account is performed using the time from the eve of the designated transfer date (accounting date) to the next morning for utilities such as electricity, gas, and water. Then, in the case where the balance is insufficient, in order to settle the account processing with a higher priority according to the type of account processing in preference to other account processing, for example, prioritize the payment of tax over the payment of utility charges. , The batch processing related to the payment of tax is processed first, and then the payment of utility charges is processed.

In the conventional example using the night batch processing, the processing is completed on the night before the day of the account to be settled. Could not be processed, such as transfer, even if the payment was satisfied. To improve this,
If settlement was not possible due to a shortage on the day before the account date, the account process was executed again in the batch process on the night of the account date. As a result, the settlement according to the deposit on the day was enabled.

Japanese Unexamined Patent Application Publication No. 59-77573 discloses a method for immediately processing an unsettled account when an account with insufficient balance is paid on the day of the account. Is disclosed. That is, this gazette discloses a method in which, for the purpose of improving system operation efficiency, re-transfer is performed only to an account that has received money and has insufficient funds without using batch processing. Japanese Patent Application Laid-Open No. Hei 7-93439 discloses a substantially similar method.

[0005] In recent years, it has been a problem for financial institutions to operate withdrawal (payment) and deposit from an account using an ATM or the like for 24 hours. In the settlement of the account transfer etc. by the above batch processing, since the deposit and withdrawal by ATM etc. is stopped and the batch processing is performed after the balance is stopped, if the deposit and withdrawal is operated for 24 hours, the transfer is performed at the same time as the date change I have to.

[0006] Regarding the handling of transfers and the like during 24-hour operation, for example, Japanese Patent Application Laid-Open No. 2000-194784 discloses a method in which account processing such as transfers is processed in advance, and correction is made at midnight on the day of the account. Is disclosed. That is, in this publication, the balance after account transfer is calculated based on the balance on the day before the account, and at 0:00 am on the day of the account (in the embodiment, the account is first accessed after the date change process. ) Is corrected (determination process).

[0007] Japanese Patent Application Laid-Open No. 2000-293605 discloses an automatic collection method in which, if there is a shortage in the account balance on the day before the account date or the like and the settlement in the pre-processing is impossible, the account transfer is performed again. A method is disclosed in which data is created in advance, and a re-transfer process is executed after the account date based on the automatic collection data.

[0008] As described above, the above-mentioned conventional example discloses a method of preparing for account processing such as transfer in advance so as to operate continuously for 24 hours.

[0009]

However, in the above conventional example, there is a disadvantage that account processing such as transfer cannot be executed based on the priority. Also, if there is no shortage of balance, if pre-processing or batch processing is executed first for account processing with higher priority, account processing according to priority will be performed, but preparation for account processing such as bringing in transfer requests will be performed. Are not always performed in the order of priority, so that consistent processing cannot be performed. In addition, where priority should be reflected in case of insufficient funds,
In the above conventional example, it is difficult to adjust the account processing settled in the pre-processing and the account processing to be settled according to the deposit and withdrawal amount according to the priority order.

Japanese Unexamined Patent Publication No. Hei 11-134417 discloses that, when a bank account system is not operating in Japan, when withdrawing abroad based on the account balance, withdrawal abroad rather than transfer with the account. Is disclosed. In this conventional example, the withdrawal overseas is prioritized while keeping the domestic account stationary, and the priority order is not reflected according to the type of account processing while operating 24 hours a day.

[0011] In the conventional example of batch processing, all account processing such as account transfer must be performed within a limited time from the night before the account balance is determined to the time before the online operation on the day of the account. In addition, in order to cope with an increase in the amount of data for account processing and an extension of online operation time, there has been a disadvantage that devices such as a computer (CPU) must be increased.

Further, in an example in which pre-processing is performed and the settlement processing is performed on the balance after the transfer at the same time as the date change, the load at the time of the date change becomes huge, or the settlement is performed at the first access to each account. Since the processing response is delayed,
There is an inconvenience that devices such as a computer (CPU) must be increased in order to secure a response time and reduce a load.

[0013]

The object of the present invention is to improve the disadvantages of the conventional example, and in particular, in order to operate 24 hours a day, in parallel with online processing such as depositing and withdrawing using a terminal such as an ATM, account transfer and financing. While processing various transactions such as repayment, if there is a shortage in the account balance, a future date that can prioritize the settlement of account processing with high priority based on the priority according to the type of account transfer etc. It is an object to provide a complete processing system and method.

[0014]

According to the present invention, a pre-date completion process is used as a premise. That is, in the present invention, the account processing of the future date is executed before the account date, and account information (for example, balance) for each account date is retained.
Then, the account information to be referred to at the moment when the future date becomes the current day is changed. For example, the account processing with 3 days as the account date at 2 days is calculated based on the final balance of 2 days, and the balance of 2 days and the balance of 3 days are individually held at 2 days. (Account information by account date). On the second day, the account holder cannot directly use the balance of the third day, which is the future date. At the moment from the second day to the third day, that is, at the time when the date change process is completed, the balance calculated on the third day is used. As described above, the account processing for three days is calculated at the time of two days, and the balance of three days is calculated, whereby the account processing for three days is completed at the time of two days. No confirmation processing after the date change is required.

In the present invention, the future date account processing is completed by pre-processing by generating the future date account information for each future date account date. Then, if there is a change in the account balance, a change in the interest rate, or a change in the contract content before the date and time of the future date, the change is reflected on the balance in the future date. That is, according to the present invention, based on the current account information, a future-dated balance in the case where there is no subsequent account processing is generated, and the future-dated account processing is executed based on the future-dated balance. By doing so, account processing conventionally performed in batch processing is processed in parallel during online processing. This is a process in which the current account processing is assumed to be the last account processing until the date and time of the future date arrives, and the balance and the like of the future date are calculated in advance. Thereafter, if another account process is performed before the future date account date, it is assumed that the account process is the final account process again, and the future date balance or the like is calculated.

The principle of the pre-date completion processing is to generate future account information based on information at the present time, assuming that there is no subsequent change. Assuming that there is no account processing afterwards, that there is no change in the contract for depositing from the savings account to the time deposit with the automatic periodic service, or that there is no notification of non-delivery about the check funding, Is calculated in advance. Because of the future date processing, the account holder cannot directly make a transaction using the future date balance, and therefore the future date processing can be canceled.

The settlement is completed when an irrevocable money transfer or the like is performed. The finality of the settlement depends on the determination of the irrevocable state. In the future date completion process, the account process once established on the future date does not yet have settlement completeness. If there is no other account processing thereafter, the settlement is completed when the date is changed to the account day.
As described above, the future completion processing is performed on the assumption that there is no account processing on the account date after executing the account processing on the future date and calculating the balance on the account date on the future date. are doing. Then, if the account processing occurs again on the account date, the account processing (transaction) on the future date has no finality, and therefore can be canceled or re-executed (re-cut). When the necessary cancellation or recut is completed, account processing for the account is completed.

As described above, in the future date completion processing, especially for the future date processing, it is possible to optimize the restructuring and replacement of the account processing. Stated another way, account transactions (transactions) can be reordered to reorder data according to an order. To explain this in the field of settlement, when the balance becomes insufficient to perform all settlements, it is possible to preferentially process predetermined settlements to be prioritized.

In the future date completion processing, the account processing is performed every time there is a change in the account. Since the account processing is completed, no processing needs to be performed before and after the future date and time, that is, when the date is changed. Absent. Therefore, there is no need to perform account processing in batch processing after the online processing is completed, and it is not necessary to increase the number of CPUs to complete the batch processing within a predetermined time.

The change from the current state is based not only on the assumption that there is no subsequent account processing, but also on the interest rate of the term deposit and the interest added to the account which are contracted at a future date.
It is assumed that there is no change after that (if there is a change, account processing is executed again). For this reason, there are many targets for which the future date completion processing can be performed.
Various account processing for ordinary savings account and checking account, exercise of options according to certain conditions, calculation of the difference when the amount at the due date is fixed when settlement of futures transactions with the account and Payments and reservations for withdrawals from a savings account for a special repayment of a mortgage can also be performed during online processing as a post-finish process.

In the future date completion processing, after the account balance at the future date is calculated, if the current account balance is paid out by an ATM or the like, the future day's account balance is reduced by the withdrawal amount. . Due to this reduction, the account processing established on the previous date may not be able to be settled. In the first group (first embodiment) of the present invention, the priority is reflected in the cancellation when the account processing of the future date becomes unsettled.

On the other hand, if the account balance at the future date is insufficient and the account processing at the future date cannot be settled, and if the current account balance is paid by an ATM or the like, the unaccounted account processing is not performed. Try re-cutting. In the second group (second embodiment) of the present invention, the priority is reflected on the recut. The reflection of the priority in the recut can be applied to the same day.

In the fourth group (fourth embodiment) of the present invention, account processing is switched by combining cancellation and re-cutting at a future date. In the third embodiment, optimization by transaction rearrangement (replacement) competing for common resources such as account balances is disclosed, without being limited to account processing. The operating principle is common between the third embodiment and the fourth embodiment.

In the first group of inventions, mainly, a receiving means for receiving an account processing request such as a transaction on an account date, an arithmetic means for calculating the account processing request received by the receiving means for each account date, A file for recording the result calculated by the calculation means as account information related to the possible withdrawal amount and the like for each account date. An arithmetic processing unit configured to process an account processing request for an account date on the same day or a future date as to the arithmetic day on which the arithmetic is performed based on the account information on the account date; If the processing makes it impossible to settle the account processing request on the future account date, the lower priority account processing request among the multiple settled account processing requests on the account date that cannot be settled is set as the priority. With a cancellation processing unit that cancels in the order of
The configuration is adopted. This aims to solve the above problem.

According to the first group of inventions, when an account process that does not have finality in the account process of the future date needs to be canceled, it is canceled in ascending order of priority regardless of the transaction amount due to the account process. Thereby, high-priority transactions can be executed.

In the second group of inventions, receiving means for receiving an account processing request such as a transaction on an account date, calculating means for calculating the account processing request received by the receiving means for each accounting day, and this calculating means And a file for recording the calculated result as account information related to the possible withdrawal amount and the like for each account date. And an account processing unit for processing the account processing request on the account date that is the same day or a future date with respect to the calculation date on which the calculation is performed based on the account information on the account date. If account processing requests that cannot be completed on the same day as the account processing account date or on the future date can be settled, a plurality of unsettled account processes on the account date that can be settled And a recut processing unit for processing an account processing request having a higher priority among the requests in the order of the higher priority. This aims to solve the above-mentioned problem.

In the second group of inventions, when an account is transferred, the possibility of settlement is determined in descending order of priority, and if settlement is possible, regardless of the combination of account processing of lower priority. Re-cut, high priority account processing. Thereby, when the balance is insufficient for performing all the settlements, the settlement with the higher priority is preferentially processed.

In the "account processing", for example, assuming an ordinary account for an individual of a financial institution as an example, a transfer (payment) to an account such as a salary transfer, or a transfer from an account such as an automatic withdrawal of a utility bill ( Withdrawal) and automatic withdrawal (withdrawal) such as loan repayment and rent withdrawal. In the case of a corporation, for example,
The “account processing” includes reservations for various kinds of payments, deductions for salary payments, and payment of rent collected by an account withdrawal. The account processing of these various contents may be handled, for example, the transfer may be handled by another arithmetic means, and only the transfer of the utility bill may be handled by the future completion processing system according to the present invention. Further, assuming an account for securities trading as an example, the “account processing” corresponds to settlement of funds required for stock trading, automatic purchase of financial products, and the like. As described above, the “account processing” first includes various aspects of the settlement method of the commercial transaction. The settlement target is not limited to a single currency. For example, if the exchange rate at the future date can be determined in advance between traders, it can be applied to forex trading. Further, the settlement target may be not only an account dealing with currency, but also, for example, a point value (mileage point) added at the time of selling a product or service. Further, the “account process” may include a process of setting or changing the attribute of the account. For example, a change in the maximum amount of automatic financing according to a periodic automatic update, a swap reservation between a floating interest rate and a fixed interest rate in a long-term loan, and the like may be included. Payment and withdrawal of cash by an ATM, a CD, or a counter terminal of a store of a financial institution are immediate account processes, and the calculation date and the account date coincide.

The above-mentioned file stores information on accounts such as transaction history of deposits and loans, the current balance, and the amount of automatic financing defined in the account (extreme overdraft). The term "account information" mainly means balance information. The balance information is a numerical value for determining whether the account processing request can be settled or cannot be settled. When an automatic loan with a deposit or the like as a collateral is attached, an amount obtained by adding the automatic loan possible amount (extreme overdraft) and the actual balance may be used as the payable amount. When performing automatic financing with time deposits and the like as collateral, it is preferable to have attribute information such as collateral details as account information.

For example, when there is a deposit as an account processing request, the calculating means reads the current balance, adds the deposit amount, and updates the file.

According to the present invention, the account processing unit processes an account processing request for an account date on the same day or a future date with respect to the calculation day on which the calculation is performed, based on the account information of the account day. Then, the processing result of the account processing unit is stored in the file as account information on the account date of the account processing.

The “account date” is a date on which a transaction is performed. Since the execution time of transactions currently handled by financial institutions is specified as "days", the unit is days. The “account date” is a unit in which a plurality of account processes compete. If the account date for the first account transaction is only one day and the account date for the second account transaction is only two days, the two account transactions do not conflict. A first account processing request is processed based on the daily balance and a second account processing request is processed based on the two day balance. According to the contract to debit from the balance on a particular day, no priority is applied between the two account processing requests. If there is also a third account processing request on the second day, the second account processing request conflicts with the third account processing request. If the priority of the second account processing request is higher than the priority of the third account processing request, the second account processing request is processed with priority. Also, for example, if the withdrawal amount of the second account processing request is 20,000,
If the withdrawal amount of the third account processing request is 10,000 and the account balance of the second day is 15,000, the second account processing request having a higher priority cannot be settled. Therefore, the third account processing request that can be settled is settled. Then 2
If the balance of the day increases by 6,000, the third account processing request can be canceled and the second account processing request can be settled. In this example, the second account processing request is recut (corrected recut), and the third account processing request is canceled. Such a relationship between the recut and the cancellation is disclosed in the third embodiment and the fourth embodiment.

As described above, the unit of the period in which the account processing requests compete is the “account date”. And more specifically,
The “account date” is, for example, a transfer date if the account processing is a transfer. If the loan is repaid, the "settlement repayment date" is considered to be the account date. In the case of payroll transfer, the transfer date corresponds to the account date. In this specification, the transaction execution dates specified in these various account processing requests are referred to as “account dates”. The “calculation date” is the “current day” on which the calculation is performed, and is also referred to as “present”.

In the present invention, an account processing request on an account date that is a future date with respect to the calculation date and time is processed at the calculation date and time stage. The result of the processing is stored as account information on the account date that is earlier than the calculation date and time. Accordingly, account information is generated and managed for each account date on which an account processing request was made. For example, information on the balance at the calculation date and time and the future balance after the processing on the future date is stored in the file.
This future balance is the balance of the account day when the account date arrives without account processing after the account processing performed so far. Therefore, when the date is changed, the balance on the newly arrived date is determined without any processing before and after the date change, and with the account processing to be performed on the account date completed.

For example, it is assumed that the account date which is the future date is the business day following the calculation date and time. Then, an account processing request such as transfer with the next business day as the account date is sent to the next business day (transfer date,
Calculate the day before (account date). As a result of the calculation, the current balance and the balance on the next business day are individually stored in a file.
Thereafter, assuming that a process that causes a change in the balance is not performed on the account, at the stage where the date is changed from today to tomorrow, the withdrawal (withdrawal) is determined, and a process based on the new balance becomes possible. . Therefore, at the moment after 0:00 am, processing based on the new balance after the account transfer can be performed. Confirmation of withdrawal means that the withdrawal has settlement completeness.

In the third group of inventions, a resource status file in which the status of a resource that determines whether a business process request (or an account process request) can be executed or not is recorded for a certain period of time at a future date, and the resource status file is recorded in the resource status file. Computing means for processing each business processing request based on the information. The resource status file includes a resource detail segment (for example, a balance detail segment) that stores the resource status from the past to the present and future future dates for each fixed period (for example, for each accounting day) such as a daily unit. Alternatively, a transaction detail segment that stores business processing requests that were completed on a prior date with the priority of the business processing in the order of completion, and a business processing request that stores unsatisfied business processing requests with a shortage of resources on a future date with the priority And a detailed segment (for example, a remaining shortage detailed segment). The computing means executes the business processing request and records the business processing request in the transaction detail segment when the business processing request is satisfied. The business processing unit (or account processing unit) to be recorded in the transaction processing unit (or the account processing unit). A cancellation processing unit for sequentially canceling the business processing request from the recorded business processing request group in the order of lower priority until the resource shortage is resolved, and as a result of the processing by the business processing unit, the resource has increased on the current day or the future date In this case, after the increased period, the uncompleted business process within a range of available resources that does not cause the resource shortage from the business process group recorded in the uncompleted detailed segment. Request and a re-execution processing unit for executing the order of priority, and employs a configuration that. This aims to solve the above-mentioned problem.

According to the present invention, the business processing unit records the business process completed on the previous date in the transaction detail segment, and if not completed, records the business process in the uncompleted detail segment. Then, as a result of the business process, if there is an account date on which the resource is insufficient, the business process with the lowest priority among the business processes established on the account date is selected from the transaction statement segment. Extract and cancel business processes with lower priorities. This cancellation is repeatedly performed until the resource shortage is resolved. In addition, the re-execution processing unit can re-execute in the order of the highest priority among the business processing requests recorded in the unsuccessful detailed segment, when the resource increases as a result of the business processing on the current day or the future date. Is determined, and if re-execution is possible, the unexecuted business process is re-executed.
Further, based on the re-executed resources, the next highest priority business process is re-executed. This is repeated within a range that does not cause resource shortage. With these, according to the increase and decrease of resources,
A higher priority business process is executed prior to a lower priority business process.

Further, in the third and fourth embodiments, when there is an established business process having a lower priority than an unestablished business process having a higher priority, the established business process having a lower priority is canceled. Business processes (transactions) that are established by re-executing business processes with higher priorities
And a correction re-execution (correction re-cut) process for replacing.

In the fourth group of inventions, receiving means for receiving an account processing request such as a transaction on an account date, calculating means for calculating the account processing request received by the receiving means for each accounting day, and this calculating means And a file for recording the calculated result as account information related to the possible withdrawal amount and the like for each account date. Then, the file stores the account information as the account information, a balance statement segment storing the balance for each account date, and the account processing request processed in the processing order by the account processing unit, including the account date and priority as a transaction statement. And a remaining shortage detail segment that stores account processing requests that cannot be settled and that have not been completed, including remaining dates and priorities, as remaining shortage details. Further, the calculating means executes an account processing request for requesting settlement of withdrawal or payment using the balance for each account date as a start-up business, and interlocks with the running start-up business program group as a single transaction. And a passive business processing unit that requests a predetermined passive business processing unit to perform passive business using the respective segments, such as withdrawal or deposit of the account balance for each of the account dates requested by the startup business processing unit in conjunction with each other. In addition, when the balance statement for each of the account dates changes due to the execution of the passive business, the predetermined cancellation / recut main program is started as another derived transaction different from the single transaction in which the starting business and the passive business are linked. When the passive business processing unit and the cancel / recut main program are started as a derived transaction, The necessity of canceling or re-cutting the start operation is determined based on the state of each segment at the time of activation, and the start operation is performed based on the determination result and the priority of the account processing request to be each start operation. And a cancellation / recut main processing unit for causing the start-up business processing unit to execute the cancellation or re-cut as another derived transaction different from the cancellation / recut main program.

The passive business processing unit manages an account balance, which is a common resource. The start-up business processing unit requests a settlement using the account balance managed by the passive business processing unit. The start-up operation requires, for example, the deduction of a utility bill, the repayment of a loan, and the like. The establishment of a utility bill withdrawal and the withdrawal from a savings account must have atomicity as a transaction. That is, the state where the withdrawal is established but the withdrawal from the savings account is not made is incomplete as a process. For this reason, the starting task and the passive task are linked and executed as one transaction.
Further, when the account is changed, it is necessary to determine whether or not it is necessary to cancel or re-cut the account processing by referring to the remaining shortage detail segment or the like. The cancellation / recut main processing unit controls this determination and activation of cancellation or recut. The start operation and the passive operation are linked, but the cancellation recut main is started as a derived transaction. Thereby, the CP
Online responsiveness can be ensured without increasing U. For example, assume that there are 200 unsatisfied account processing requests. AT is the amount that can solve the remaining shortage of 200
Suppose that money was received using M. Cancel re-cut main
The execution of the 200 recuts is sequentially controlled. At this time, assuming that the completion of the deposit by the ATM is after the completion of the re-cut of 200 cases, the response in the deposit of the ATM is extremely deteriorated,
It is feared that other jobs executed in parallel may be adversely affected. Therefore, in the present invention by the fourth group (third group),
The payment of the TM is completed as one transaction (coupling of activation and passive), and the cancellation recut main is activated from within the passive business program as another derived transaction different from this transaction.

In the fourth group of inventions, the cancellation / recut main processing unit calculates a possible withdrawal amount for each account date based on the balance statement, and calculates the possible withdrawal amount on a future date account date. In the case where the settlement becomes negative and the settlement becomes impossible, the activation business processing unit executes the cancellation of the low priority account processing request among the plurality of settled account processing requests on the account date on which the settlement is impossible as the derivative transaction. The cancellation activation control function calculates the possible withdrawal amount for each account date based on the balance statement, and is stored in the remaining shortage statement based on the possible withdrawal amount on the calculation date / time or the future date. A recut availability determination function for determining whether or not each account processing request can be settled in the order of higher priority among account processing requests that have not been completed on the current day or an earlier accounting date, and a recut availability determination device. And a recut activation control function for causing the activation business processing unit to execute the recut of the account processing request as a derived transaction when there is an unsatisfied account processing request determined to be settleable by I am taking it. This aims to solve the above problem.

In this example, the cancel recut main invokes the cancel or recut of one account processing request as a derived transaction and ends once (reaches or commits to a synchronization point). The startup business started as a derived transaction is linked to the passive business. Passive business is
When the account balance is updated, the cancellation re-cut main is started again as a derived transaction. The cancellation / recut main determines whether or not cancellation or recut is necessary in the activated state, and starts the cancellation or recut of the startup business as a derived transaction according to the determination result. The process of optimizing the priority by such an intermittent process of the cancellation / recut main is called a spiral process in this specification. The concept of execution is to optimize by "turning the derivation around."

By the spiral processing using the derived transaction, the account processing (settlement) of the future date can be optimized while securing the online response. Please refer to another application filed by the same applicant for the system technical details of the derived transaction used in such an application. In order to realize the spiral processing using the derived transaction, it is preferable to pass a flag or a bit when the derived transaction is activated, and to refer to the flag or the like in the determination in the cancellation / recut main.
This point will be described in detail in the third and fourth embodiments and the first example.

The priorities handled in each embodiment can be determined in various ways. In the case of settlement, for example, if settlement on the account date is not possible, the priority of an account processing request that must immediately perform non-delivery management or the like may be set high, or the number of processes is large. The priority order may be set lower, or the priority order of an account processing request with a fixed re-cut time limit may be set higher. In addition, the priority may be set individually instead of a uniform priority. Further, in the settlement by account transfer, the priority may be determined based on the designation of the customer holder.

The order of priority for each type of account processing functions when there is a shortage in the account balance for settlement such as transfer. Regarding the paperwork of providing a settlement function by transfer or the like, an optimal settlement should be provided according to the status of the account, whereby the applicant strives to meet the trust and expectations of customers.

[0046]

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

[First Embodiment] In the first embodiment, in the future-end completion processing system, when settlement cannot be performed on an account date or a future account date farther due to an account transfer on a current or near future account date. Then, cancel the transaction on the future account date that will not be settled. At this time, according to the priority order defined for each transaction, the higher priority transactions are settled by canceling the lower priority transactions in order. In the first, second, and fourth embodiments, the transaction on the day of the account is provided with settlement completion, and is not canceled unless there is special circumstances, regardless of whether the account is accessed.

FIG. 1 is a block diagram showing the configuration of the first embodiment. As shown in FIG. 1, the future-end completion processing system according to the present embodiment includes a receiving unit 2 for receiving an account processing request such as a transaction on an account date, and an account processing request received by the receiving unit 2 for each account date. It has a calculating means 4 for calculating, and a file 6 for recording the result calculated by the calculating means 4 as account information related to the possible withdrawal amount for each account date. An arithmetic processing unit for processing an account processing request on the same or a later date as to the calculation date on which the calculation is performed based on the account information on the account date; In the case where the account processing request on the future date of the account cannot be settled due to the account processing by No. 8, the account processing request with a low priority among the plurality of settled account processing requests on the account date on which the account cannot be settled is issued. A cancellation processing unit 10 for canceling in the order of the lower priority.

The receiving means 2 is connected via the network 3
It is connected to the ATM 1A and the counter terminal 1B. Then, the receiving means 2 directly or indirectly based on the contents of the external bring-in medium storing the withdrawal data such as utility bills and the internal various DBs storing the information such as the loan and the automatic periodic service. Receive an account processing request. Further, an account processing request may be received from a customer's computer via the Internet or a dedicated network.

The calculation means 4 is one or a plurality of computers. The various means, each unit, and each function of the arithmetic means 4 correspond to a computer C that executes a predetermined program.
This can be realized by a PU. In the example shown in FIG. 1, in the reflection of the priority using the post-done completion processing, portions important in principle among various functions necessary for cancellation are extracted.

The account processing unit 8 processes an account processing request for an account date on the same day or a future date with respect to the calculation date for performing the calculation based on the account information on the account date. The “calculation date” is the day on which the CPU is actually operated, and is the current date. Assuming that today is three days, the “calculation date” and “the same day as the calculation date” are three days, and the “future date” is four days.
Days after (4th, 5th, ...). When the balance is not calculated on the account date of the account processing request, the account processing unit 8 generates a balance on the account date based on the latest balance. For example, if the calculation date is 3 days, the account date is 4 days that is the future date, and the last final transaction is 2 days, the balance of 4 days is calculated based on the balance of 2 days, and the balance of 4 days is calculated. Based on the balance, account processing is performed with four days as an account date. For example, 2
Assuming that there are 30,000 balances per day, and there are 6,000 transfers (account processing requests) and 4,000 transfers with the fourth day as the account date, the balance on the fourth day is 20,000. Then, it is assumed that there are 16,000 withdrawal requests on the third day. In this case, the account processing unit 8 sets the balance on the third day to 30,000 based on the balance on the two days,
00 is reduced to 14,000. Then, the balance on the 4th day of the future date is reduced by 16,000 to 4,0
00.

Assume that there is a further 5,000 withdrawal request on the third day. In this case, since the balance on the 3rd is 14,000, it is possible to withdraw money, and the balance on the 3rd is 9,000. Then, the balance on the fourth day is updated. 4,000 to 5,000
Is subtracted to give a value of minus 1,000. If the balance (possible withdrawal amount) becomes negative on the fourth day, the cancellation processing unit 10
Cancels the lowest priority transaction among the account processing requests made on the fourth day. That is, the priority of the transfer of 6,000 and the transfer of 4,000 established on the fourth day are compared, and the transfer with the lower priority is canceled. For example, if the transfer of 6,000 is canceled, the balance on the fourth day will be from minus 1,000 to 5,000.

As described above, the transaction of the future date may be canceled until the settlement is completed. Here, when the date change processing is performed and the day of the accounting day is reached, finality is given to the account processing of the accounting day that has been established up to that time, and the account processing is finalized. Therefore, the cancellation processing unit 10
The transactions that are selected for cancellation at are those that were completed on a future date.

For example, a transfer of 6,000 which is not completed with the fourth day as the account date will be recut if the balance on the fourth day increases by 1,000 or more before the date change to the fifth day is completed. On the other hand, when the date change processing to the 5th is completed without an increase in the balance, a settlement is reported to the requester who made the transfer as impossible.

FIG. 2 is an explanatory diagram showing an example of the data structure of the file 6. The file 6 includes, as account information, a transaction statement segment 12 for recording the account processing request processed in the processing order by the account processing unit 8 as a transaction statement.
And a balance detail segment 14 for storing the balance for each account date
And In the transaction details segment 12, the calculation date of the actual processing, the account date that is the date of the settlement of the account processing, the serial number of the account processing, the type of transaction, the priority of the account processing, The transaction amount of the account processing and the processing result are stored. The priority order may be a number from 1 to 10, an alphabet, or a three-digit number. If the priority is represented by a number,
Here, it is assumed that a smaller numerical value has a higher priority. That is, account processing A of priority 1 and priority 2
In account processing B, account processing A has a higher priority.
“Result” is information indicating whether or not the transaction has been established. The balance detail segment 14 stores an account date and a balance. A balance statement is generated when account processing is performed on a new account date. For example, 10 days and 13
If there is a balance statement on the day and an account processing request is made on the 12th, a balance statement on the 12th is created based on the balance on the 10th. Even if the account processing request on the 12th is unsuccessful due to the inability to settle, the balance statement on the 12th is generated.

In the case of having the transaction statement segment 12 shown in FIG. 2, the cancellation processing unit 10 specifies the account processing request to be canceled by referring to the account date and priority of each transaction statement of this transaction statement segment. A cancellation target specifying function 21 is provided. The cancellation target specifying function 21 specifies one or a plurality of account processing requests established on the cancellation target account date as the cancellation target account date with the account date on which the withdrawable amount becomes negative, and Identify the lowest priority account processing request in the group.

Generally, withdrawals of utility charges are made only on the day of transfer. For this reason, if the balance is insufficient on the transfer date (account date) and the settlement is finally impossible, the utility charges cannot be paid, and the account transfer process will be performed again next month. On the other hand, in a contract for automatic funding, funding is performed not only on the transfer date (account date) for funding but also when there is a balance up to the day before the next transfer date. In this case, the accounting date is one month. The first day of the account date may be referred to as an account date, and a deadline for performing recutting such as the day before the transfer date may be referred to as a recut deadline.

In account processing having a certain period of account date,
For example, if the 10th day is the first day of the account date, if the balance is insufficient on the 10th, and if the settlement is possible because there is a deposit on the 11th on the future date, it is determined that the account is not established on the 10th. Later, account processing is performed with the 11th as an account date. After that, if there is a payment on the 10th, it is preferable to make the account processing on the 10th instead of the account processing on the 11th. For example, if a repayment of a loan is made 11 days as an account date, there may be a situation in which a arrears may occur. desirable.

In this example of moving forward, after the account processing unit 8 shown in FIG. 1 executes the account processing request, the account processing unit 8 shown in FIG. And an earlier date / time advance control function of re-executing the canceled account processing request and re-executing the canceled account processing request as the account processing request on the execution target account date. With the advance date and time advance control function, account processing having a certain period of account date can be treated as a transaction on an earlier account date that can be settled when an account balance is changed.

FIG. 3A is an explanatory diagram showing an example of the operation of the future completion processing including the cancellation, re-cut, and forward processing. In the first to fourth embodiments, the operation shown in FIG. 3 is enhanced in each aspect. FIG.
In (A), the account processing indicates the contents of the transaction, and the balance (account information) indicates the result of the transaction. The calculation date is a date on which the account processing request is executed. The account date is the date on which the transaction should take place,
The self-oscillation serial number is a number for individually identifying self-oscillation such as automatic transfer or automatic transfer. The transaction is withdrawal from the account, payment to the account, and the like, and the specific transaction content is stored in the transaction type. The transaction amount is an amount such as self-oscillation, and the result records whether or not the account processing (transaction) has been established.

First, it is assumed that the balance on the tenth day is 30,000. On the 10th, it is assumed that the electricity charge withdrawal (self-oscillation number 001) is performed with the 11th, which is the future date, as the account date. In this case, the account processing unit 8 first sets the balance on the 11th to 30,000 based on the balance on the 10th, which is the most recent account date on the 11th. Since the withdrawal 10,000 can be settled, the withdrawal by the withdrawal of the electricity fee is established. Then
The balance on the 11th will be 20,000. At this time, there is no change in the balance on the 10th.

Next, suppose that there are 50,000 payments by bank transfer on the 10th, with the 12th as the accounting day. The account processing unit 4 develops the balance on the 11th, which is the latest account date, as the balance on the 12th, and adds 50,000. As a result, the balance on the 12th is 70,000. In addition, 1
It is assumed that there is a cash withdrawal (payment) by the ATM on the day 0. Since the balance on the 10th is 30,000, 25.0
00 can be withdrawn and the transaction is completed. The balance on the 10th will be 5,000. The account processing unit 4 updated the balance on the 10th, so the 25,000 withdrawal was made on the 11th and the 1st.
FIG. 3B shows an example of calculating the possible amount of sunrise for each account when 25,000 withdrawals have been completed at the ATM to be reflected in the balance on the two days. The table shown in FIG. 3B is called a date check table. As shown in FIGS. 3A and 3B, the balance on the 11th is -5,000, and the necessary amount of cancellation is 5,000.

In the cancellation processing section 10, the balance on the 11th is minus (the withdrawal amount by the account processing is larger than the withdrawable amount).
Therefore, the transaction with the lowest priority among the account processing requests made on the 11th when the possible withdrawal amount becomes negative is canceled. Here, the withdrawal processing (self-oscillation number 001) due to the withdrawal of the electricity fee is canceled. As a result of this cancellation, electricity charges will not be deducted. Since the cancellation amount was 10,000, the balance on the 11th was 5,000 and the situation of withdrawal due to insufficient balance was resolved. The balance on the 12th is 55,
000.

If the account date is set to 11 days (the actual account date period depends on the contract) and the loan is refunded with a recut deadline of two months after the contract repayment date, the settlement on the 11th is required. If it is impossible, payment may be made on the 12th. For example, in the example shown in FIG. 3A, settlement cannot be made on the 11th, so that the loan repayment with the 11th as the account date is not completed. In this example, since settlement can be performed with the 12th day within the recut deadline as the account date, the account transfer is performed with the 12th day as the account date. If the loan repayment with a contract repayment date of 11 is repaid on the 12th, delinquent interest will accrue on the principal of the loan repayment. Here, it is assumed that the delinquent interest for one day is 10 yen. The loan was repaid and the balance on the 12th was 14,990
Becomes

On the 10th, if there is a deposit by transfer with the 11th as the account date, the balance on the 11th will be 65,000. As a result, the loan repayment process that was completed on the 12th as the account date can be settled on the 11th. The advance date and time advance control function cancels the loan repayment established on the 12th and re-cuts it as the 11th accounting day. The balance on the 12th is increased by the cancellation of 40,010 once. Then, the balance of the recut on the 11th is reflected, and 75,
000. By this advance control, it is possible to cancel the transaction on the 12th day when the interest on the arrears is generated in accordance with the payment on the future date. In addition, since the deduction of the electricity charge with the 11th as the account date has not been established, the electricity charge 10,000 is cut again. This is the final account processing executed on the 10th, and the 11th will be reached as it is. On the 11th, the balance on the 11th is 15,000 instead of the 5,000 on the 10th.
To access. This 15,000 balance is a balance in which payment by transfer, repayment of a loan, and withdrawal of an electricity fee have been completed. As described above, in the future completion processing, the same result as the batch processing can be executed during the online processing time. Further, online processing can be continuously performed for 24 hours without performing batch processing.

As shown in FIG. 3 (A), a future transaction is performed during online processing, and a balance for each account date is held.
Transactions by M, etc. are processed based on the balance of the day, so that account processing for which the details of the transaction, such as transfer or transfer, are almost clear in advance can be completed at a date and time before the account date. . This eliminates batch processing such as transfer, and enables continuous operation for 24 hours and 365 days. Also,
Even if the operation is not performed for 24 hours, no batch processing is required at night or early in the morning, so the investment cost for lowering the operation cost of the account processing and increasing the processing capacity of the CPU in the short time at night. Is unnecessary. Further, from the viewpoint of customer service, when the date changes, the transaction can be started immediately based on the new balance, so that transactions and the like via the Internet can be performed seamlessly continuously for 24 hours.

If there is an account date on which the withdrawable amount has become negative, the cancellation processing unit 10 cancels the account processing established on that account date. In the example shown in FIG. 3A, the possible withdrawal amount is only the balance. However, when there is automatic financing such as collateral, the balance may differ from the available amount. For example, there is a service in which when there is a time deposit or the like serving as security for an account, an automatic loan is made to the ordinary deposit using the time deposit as security. If there is a 100,000 security period, 90% of the 90,000 of the security period is generally the overdraft limit. If the balance is 10,000, the overdraft of 90,000 is added to this 10,000, which is 1
00,000 is the withdrawable amount. When the security period is set, even if the balance is negative, the withdrawable amount is positive if the balance is within the extreme of overdraft.

Bills, checks, and the like are incorporated into a withdrawable balance in the absence of a notice of non-delivery. In this case, the balance detail segment includes unfunded remaining data that is scheduled to be funded on the funding date and actual remaining data (balance) indicating a withdrawable balance. Then, the funding process after the non-delivery contact time is executed according to the account processing request, and the unfunded balance is incorporated into the balance.

For example, it is assumed that a deposit of 100,000 by check with a funding date of 10 days has already been reflected in the balance statement by a post-dated account processing request. This 100,000
Is added to the actual balance, which is the actual balance.
Possibility to receive the possibility of receiving a non-delivery notification after cash withdrawal. Therefore, on the 10th day, which is the day of funding, 100,
000 is stored in the balance statement as an unfunded balance. on the other hand,
The 11th day, which is the future date, is incorporated into the actual balance without waiting for non-delivery. This is because the eleventh day is a future date, so if the monetization becomes impossible, the monetization process should be canceled and the balance with the eleventh day as the account date should be cashed out on the tenth. In addition, it is generally impossible to receive a non-delivery notice, and there is a high possibility that funds can be properly funded. In this case, there is a high possibility that withdrawals and the like on the future date will not be established. In fact, if you received 250,000 withdrawals on the future date before receiving the 10th non-delivery notice, 5
By setting the balance to 0000, it is possible to prevent cancellation or re-cut processing due to an unestablished account processing.

If there is no non-delivery report by 11:30 on the 10th day of the funding, the funding process is executed, and the unfunded balance is incorporated into the real balance. On the other hand, if a non-delivery notification is received, no funding is performed, and the balance with an account date of 11 days is reduced by 100,000.

Referring back to FIG. 1, the cancellation processing unit 10
A date check table generation function 20 for calculating a possible withdrawal amount for each future date based on the balance statement segment each time the account processing is performed by the account processing unit 20
If there is an account date on which the withdrawable amount is negative, control is performed to cancel the account processing request settled on that account date in the order of the lower priority order until the withdrawable amount becomes positive. A minus-time cancellation control function 22 is provided. The date check table generation function 20 generates a date check table as shown in FIG. 3B when there is a change in the account balance. If you generate a date check table, the account date that the withdrawable amount is negative,
It is possible to specify, for example, whether or not account processing is to be performed at a future date later than the account date.

The reason why the withdrawable amount is negative is that there is an account processing request for withdrawing on the negative account date. Therefore, the withdrawal request established on the account date is canceled. If the day before the day of the account on which the withdrawable amount is negative is a future date, canceling the withdrawal on the previous day may increase the withdrawable amount. Under the contract to make a transfer when there is a balance, there is no cancellation of an account processing request that was made before the day before the withdrawable amount is negative.

The negative-time cancellation control function 22 refers to the date check table, and when there is an account date on which the withdrawable amount is negative, the account processing request settled on the account date is determined according to the priority. Cancellation control is performed in the lower order until the payable amount becomes positive. As a result, the settlement in the state where the balance is insufficient is prevented while executing the future date completion processing.

The cancellation control will be described with reference to the flowchart shown in FIG. The future date completion processing method for performing an account process using the arithmetic means 4 of the future date completion processing system is a method for processing an account on the same date or a future date as to the calculation date on which the arithmetic means 4 performs the calculation. Processing on the basis of the account information of the account date, and canceling to determine whether the account processing in the account processing step S1 makes it impossible to settle the account processing request on the future account date. In the necessity judging steps S2 and S3, and when the necessity is judged in the cancellation necessity judging step S3, the priority order of the plurality of settled account processing requests on the account date on which the settlement becomes impossible is determined. A cancellation processing control step S4 for executing an account processing request for canceling a low account processing request in the order of the lower priority in the account processing step. The cancellation necessity determination step S3 includes a date check table generation step S2 for generating a date check table, and a step S3 for determining that cancellation is necessary for an account date in which the withdrawable amount is negative in the date check table. It is good to have.

In the example shown in FIG. 4, a normal account processing request is made in step S1, and the cancellation of the account processing is made in step S1. Therefore, if there is an account date for which the withdrawable amount is negative, first cancel the account processing with the lowest priority, and then generate a date check table again in the state after this cancellation and cancel the cancellation. The necessity is determined, and if the minus of the withdrawable amount does not disappear, the cancellation of the account processing with the next lowest priority is controlled.
By repeating this, it is possible to eliminate the minus of the withdrawable amount while leaving the settlement of the account processing with a high priority. In other words, a payment with a high priority can be executed within the range of the withdrawable amount.

The arithmetic means 4 is provided with a predetermined program (command)
And a CPU for performing various calculations according to. CPU
Is a command for performing account processing for each account date, a command for storing account information for each account date, a command for registering a loan contract in the loan master DB of the file 6, etc. The account processing unit 8 and the cancellation processing unit shown in FIG. 1 are executed by executing a program for the future completion processing such as a command for controlling the cancellation of the lowest priority account processing on the account date when the amount becomes negative. It operates as 10. These programs are stored in a program storage unit provided with the CPU. Further, an operating system that performs basic input / output, and a group of programs that perform management of a database, restoration by logs, management of a transaction, and the like are also stored in the program storage unit.

Such a pre-date completion processing program includes a command for operating the CPU (arithmetic means). For example, there is provided an account processing command for processing an account processing request on an account date that is the same day or a future date with respect to the calculation date based on the account information on the account date. When the CPU executes the account processing command, the CPU executes the account processing unit 8 shown in FIG.
And executes the account processing step S1 shown in FIG. The program for future completion processing according to the present embodiment is:
A cancellation necessity judgment command for judging whether or not an account processing request on a future account date cannot be settled by account processing executed by the CPU in response to the account processing instruction, and a cancellation necessity judgment instruction If it is determined that the cancellation is necessary, the account processing request for canceling the account processing request with the lower priority in the order of the lower priority among the plurality of settled account processing requests on the account date on which the settlement is not possible. Is executed using the account processing command.

The CPU operates as the calculating means 2 having various functions by providing each means, each section or each function to be realized by the future date completion processing system, and commands corresponding to each step of the flowchart. . The future completion processing program is stored and transported on a recording medium 11A such as a magnetic tape (MT) or a disk, and is read by the medium reading unit 11. The program for the future completion processing stored on the recording medium is read by the medium reading section 11 and then stored in the program storage section. Also, a program can be provided from another host device to the program storage unit via a communication line.

About the program, CPU (arithmetic means)
Is referred to as a "command to operate".
The command includes one or both of a command for operating the PU and a command for operating the CPU depending on another program such as an operating system stored in the program storage unit in advance. For example, the cancellation processing control command may be only a command for transferring a start request for cancellation of account processing with the lowest priority to the operating system. As described above, the recording medium 11A that stores the future completion processing program and the recording medium 11A that is used to convey the program to the user includes, for example, “starting the cancellation of the account processing with the lowest priority. Only the command requested by the operating system is stored, and the operating system may perform the scheduling of the actual cancellation processing and the like. This depends on the relationship with the operating system of the computer to be operated. In this regard, the same applies when a program (command) is provided via a communication line. The description regarding the program, the system or method, the transport medium, and the like is the same in embodiments and examples described later.

FIG. 5 is an explanatory diagram showing a processing example according to the first embodiment. As shown in FIG. 5A, the calculation date is set to 10 days, and the balance on the 10th day is set to 30,000. 8,000 payments B and 10,000 payments A at a future date,
If 2,000 payments C were processed in this order, the balance as of the 11th would be 10,000. Payment A has the highest payment priority and payment C has the lowest priority. In this state, 10
If there is a cash withdrawal of 20,000 at the ATM on the day, 1
Since the balance on the 0th day is 30,000, it can be withdrawn and 1
The balance on day 0 is 10,000. If 20,000 reduced on the 10th is reflected on the 11th, the balance (possible withdrawal amount) on the 11th will be negative.

If the state in which the ATM has been paid out is regarded as the final state, it is not possible to settle all the account processing requests whose 11th day is the account date. If the payment is simply canceled in the order of establishment, the payment B and the payment A are canceled. In the case of the reverse order, the payment C and the payment A are canceled. In the present embodiment, referring to FIG. 4, when the ATM cash withdrawal is completed (step S1), a date check table is created (step S2). Referring to the date check table, it is determined that cancellation is necessary after 11 days (step S3). The cancellation processing unit 10 shown in FIG. 1 performs control for canceling the account process with the lowest priority among the account processes established on the 11th (step S4). Then, payment C is canceled in step S1.

In the date check table in a state where the payment C has been canceled, the available amount for 11 sunrise money is -8,000 (step S2), and the cancellation processing unit 10 determines that the cancellation is necessary (step S3). Payment B has a lower priority in payment B and payment A. Therefore, cancellation of payment B is controlled in step S4. When payment B was canceled, the balance on the 11th became zero, and the negative situation was resolved. FIG. 5B shows a state in which the payment B is canceled. FIG. 5 (B)
As shown in, the balance of 10,000 on the 11th can be used to settle payment A having the highest priority.

As described above, in this embodiment, regardless of the order in which the account processes are executed, settlement can be performed in accordance with a predetermined priority when the balance is insufficient. Therefore, it is not necessary to strictly determine the order in which the account processing is executed, and the load on the operation of the arithmetic unit 4 is significantly reduced. Further, at the stage when the account processing of the future date and the necessary cancellation are completed, the account processing of the payment A having a higher priority is determined without performing any processing when the date is changed, so that it is possible to realize 24-hour operation. .

In the case of unsuccessful payments B and C, if payment is made before the twelfth day, the balance is increased, and settlement may be completed by re-execution (re-cut). it can. A method of reflecting the priority in the re-cut processing is disclosed as a second embodiment.

[0084]

[Second Embodiment] In the future date completion processing, the future day account processing is executed based on the result (balance etc.) of executing the last account processing request. Therefore, according to the change of the account balance, it is possible to re-cut the account processing that could not be settled at a future date. Further, as disclosed in Japanese Patent Application Laid-Open No. 59-77573, it may be possible to re-cut the account processing that has not been established even when payment is made on the day. In the second embodiment, when performing re-cutting, by trying re-cutting from a transaction having a higher priority,
Settle payments according to priority.

FIG. 6 is a block diagram showing an example of the configuration of the second embodiment. The configuration is the same as that of the system shown in FIG. In the example shown in FIG. 6, the calculating means 4 includes an account processing unit 8 that processes an account processing request for an account date on the same day or a future date based on the account information on the account date on which the calculation is performed. If the account processing by the account processing unit 8 enables settlement of an unsatisfied account processing request on the same day as the account date of the account processing or on the account date of the future date, the account date on which the settlement is possible is performed. Of the plurality of unsettled account processing requests, the re-cut processing unit 24 that processes the account processing requests having a higher priority in the order of the higher priority.

If the account date of the account processing that causes a change in the balance is the calculation date (as of today), the account date of the account processing and “same day” are the calculation dates. If the account date is a future date, the same date as the account date is also a future date. Therefore, the target of the recut is an account processing request that has not been completed after the account date. If there are multiple different future dates, the system will attempt to recut from the nearest future account date and the farthest future date on the account processing account that caused the balance change. Is completed, the entire recut processing ends.

The re-cut processing unit 24 re-executes the account processing by the account processing unit 8 when an account processing request that has not been established on the same day as the account date of the account processing or on the previous account date can be settled. Specify the account processing to be cut. The target of the re-cut is an account processing request having a higher priority order among a plurality of unsettled account processing requests on the account date that can be settled.

In the first embodiment, the object of cancellation is extracted from the transaction details segment. In the second embodiment, it is preferable to use a remaining shortage detail segment 16 that stores account processing that cannot be settled and that has not been established as remaining shortage details. The remaining shortage statement segment 16 records, for each of the remaining shortage statements, an account date of the account processing request, a priority order of the account processing request with respect to another account processing request, a transaction amount, and the like. The fact that re-cutting is possible means that the withdrawable amount is larger than this transaction amount.

Referring to FIG. 6, the recut processing unit 24
Has a recut target specifying function 26 that specifies an account processing request to be recut by referring to the account date and priority of each remaining shortage detail segment in the remaining shortage detail segment. The recut target specifying function attempts to recut the account processing request having the highest priority with reference to the priority recorded in the remaining shortage detail segment among the plurality of remaining shortage details. If re-cut is not possible with the transaction amount of this account processing request, an attempt is made to re-cut the next highest priority transaction.

Further, in this embodiment, each time the account processing is performed by the account processing section 24, the re-cut processing section 24 outputs, based on the balance detail segment, for each account date after the account date of the account processing. The date check table generation function 20 for calculating the possible amount of payment and the withdrawal amount, which is the account processing request stored in the remaining shortage / detailed detail segment, are compared with the possible amount of withdrawal in the order of the priority and in the order of the account date. And a plus-time recut control function 28 for causing the account processing unit to execute the withdrawal request as an account processing request when a withdrawal request less than the withdrawable amount is found.

The plus-time recut control function 28 can sequentially search for the possibility of recut each time there is a change in the account balance. 10 sunrise possible amount from 0 to 30,0
If it changes to 00, 50,000 uncompleted account processing requests on the 11th cannot be recut even if they have a higher priority, but 20,000 account processing requests can be recut. If 5,000 account processing requests have not been fulfilled on the 12th, the 5,000 account processing requests on the 12th can be cut again by depositing 30,000 on the 10th. On the other hand, on the 12th, 15.0
If the account processing request of 00 was not established, the balance of 20,000 on the 12th would be 10,000 by re-cutting 20,000 on the 11th. I can't cut. In the final result of the processing, 1
No two-day account processing request takes precedence over the eleventh-day account processing request. Since the transfer and the like are performed based on the balance of the scheduled settlement date (account date), the priority order determines the priority order of account processing requests within the same account date.

The date check table generation function calculates a possible withdrawal amount on a date when an account processing request is established or not established after the account date on which the account balance is changed. When the date check table is generated, the recut control function 28 at the time of plus adds the current date or the closest date (the oldest date among all the dates in the date check table, the first date or the first account of the date check table). ), And the remaining shortage details with that date as the account date. In other words, re-cutting is attempted from the date closest to the present date, and is completed by re-cutting determination in the distant future. The account processing request (withdrawal request) stored in the remaining shortage / detailed detail segment on the account date is compared with the withdrawable amount in the order of higher priority. If a recuttable account processing request is found, the found account processing request is the highest priority account processing request among the recuttable account processing requests within the payable amount. The recut processing unit 24 activates the recut of the account processing request.

The re-cut causes a change in the account balance. Therefore, the recut processing unit 24 creates a date check table based on the latest account balance after the recut. Then, an account processing request that can be recut within the new possible withdrawal amount is searched according to the priority. The date closest to the current date in the date check table (first date,
If there is no target that can be recut in the remaining shortage on (for example, 10 days), the process is moved to the next accounting day (for example, 12 days). When the account processing request of the future date is satisfied on the next account date (12th), the possible amount of 10 sunrise money and the available amount of 12 sunrise money are different. Therefore, the recut processing unit 24 attempts to recut an unsuccessful account processing request with that date as the account date based on the payable amount on the next account date (12th) in accordance with the priority order. As described above, when the search for all dates existing in the date check table is completed, the recut determination / startup process is terminated.

In the present embodiment, the remaining shortage details are read out as judgment objects for each accounting day, and within the same accounting day in accordance with the priority order. Therefore, it is preferable that the data structure of the remaining / deficient detail segments is logically arranged in the order of the account date using the account date as the first key and the priority order as the second key, and within the account date in the order of priority. .
In this case, the plus-time recut control function 28 may include a function of comparing with the payable amount in the order according to the data structure of the remaining shortage detail segment.

Note that the data structure of the remaining shortage details is determined depending on the contents of the processing. In the present embodiment, for the sake of simplicity, the forward control will not be described, and the priority groups employed in the preferred embodiment will not be described. A preferred data structure of the remaining shortage specification based on these assumptions is disclosed in the first embodiment. For example, an account processing request in which the account date is not only the same day but also a re-cuttable period (re-cut deadline) is a fixed period is defined as a first group, and an account processing request in which the re-cut period is only on the transfer day is referred to as a second group. In such a case, it is preferable that the account date is not the first key, but a value indicating that the priority is the first group is the first key.

The re-cut determination and start-up processing will be described again with reference to the flowchart of FIG. As shown in FIG. 8, in the future completion processing method for performing the account processing using the arithmetic means 4 of the future completion processing system, the calculation date on which the calculation is performed by the calculation means 4 is the same day or the future date. An account processing step S11 for processing the account processing request of the account date based on the account information of the account day, and an account processing in the account processing step S12, the account processing in the account processing in the account processing step S12 is not the same as the account processing date or a future date. The re-cut permission / non-permission determination steps S12 to S17, which determine whether the account processing request that has been established can be settled in the order of the priority of the account processing request, and the re-cut permission / non-permission determination steps S12 to S17 are repeated. And a recut processing control step S18 for executing the recuttable account processing request in the account processing step when it is determined that the cut is possible.

When the account processing is performed in the account processing step S11, first, a date check table is created (step S12). At this time, if the account processing account date is 10 days, the 10th day is set as the first date of the date check table regardless of whether the 10th day is the current day or the future date. Then, with reference to the balance statement, the withdrawable amount on the date when the balance is stored after the first date is calculated. For example, if there is a shortage of unsettled balance on the 12th and 13th days and there is no account processing with the account date after the 14th, the 10th and 1st
Two days and 13 sunrise possible money are calculated. If there is a minus in the possible withdrawal amount on the account date of the future date, the cancellation according to the first embodiment is performed.

In the recut availability determination step, first, a date check table is generated based on the balance detail segment after the first date, with the account date of the account processing request processed in step S11 as the first date (step S11). .
The date check table indicates that, when the account date at which the account was directly transferred in step S1 is set as the first date, and the account process is performed at a later date than that, the balance created according to the account process. The withdrawal amount is calculated based on the details. Subsequently, in step S13, a target date on which recut determination is performed is specified. In the case immediately after the generation of the date check table, the head date is set as the target account date, and the withdrawable amount is specified. Then, an undetermined and highest-priority account process is specified from the remaining shortage detail segments having the target account date as the account date. The undetermined account processing request is an account processing request stored in the remaining shortage statement with the target account date as the account date, and the account processing request for which the determination of whether or not recut is to be performed in step S15 has not been made. If the remaining shortage details can be read out in order of priority, the read out account processing request is the account date to be processed and is the account processing request with the highest priority.

Further, by comparing the transaction amount of the account processing request specified in step S14 with the target account sunrise possible amount, it is determined whether recutting is possible (step S14).
15). If re-cutting is possible, re-cutting of the account processing request specified in step S14 is started, and re-cutting is performed in the account processing step of step S11 (step S11).
18). When re-cutting is performed in step S11, a date check table is generated again (step S1).
2). When the account processing request on the account date that is earlier (eg, 12 days) than the original first date (eg, 10 days) is recut, the first date is displayed in the date check table after the recut is completed. Is a future account date (12 days)
Shift to

If re-cut is not possible in step S15, the next remaining shortage details within the target account date are searched (step S16). If there is a remaining shortage statement, the account processing request is specified in step S14, and it is determined whether recut is possible (step S15). Step S1
After the target account date is specified in step 3, S14, S15, S
By repeating step 16, it is possible to search all remaining shortage details on a specific target account date in order of priority.

If all the remaining shortage details on the target account date have been completed in step S16, subsequently, the date closest to the target account date among the dates on which the withdrawable amount was calculated in the date check table. A future date is specified as the target account date (steps S17, S13). For example, if the first day of the date check table is 10 days, the possible amounts of sunrise on the 12th and 13th are calculated, and it is impossible to re-cut all remaining shortage details with the 10th as the account date, In step S17, the date check table is referred to. Since the account date following the target account date (10 days) exists in the date check table (12 days), the target account date is reset in step S13, and the reset target account date (12 days) is set. Specify the amount that can be withdrawn in.

Then, an unsatisfied account processing request with the 12th and 13th as accounting dates is searched. If the account processing with the lowest priority among the account processing requests with the account date of 13th cannot be recut (step S15), there is no next remaining shortage statement within the target account date, and Even future dates do not exist in the date check table. Therefore, the recut determination and the start-up processing are terminated.

In the example shown in FIG. 8, the re-cut on the day of the calculation day and the re-cut on the previous date can be executed by the same process without distinction. The re-cut on the current day and the re-cut on the future date are only the difference between whether the first date of the date check table is the current day or the future date. Of course, the re-cut of the day has settlement completeness at the time of the re-cut and is determined.

As in the first embodiment, the CP
U executes a program consisting of multiple commands,
The configuration shown in FIG. 6 and the processing shown in FIG. 8 can be realized. In the second embodiment, the program for the completion processing of the future date includes, as a command for operating the arithmetic means, an account processing request on the same day or a future date of the arithmetic day on which the arithmetic operation by the arithmetic means 4 is performed. An account processing command to be processed based on the account information of the day and an account processing corresponding to this account processing command can settle an account processing request that was not completed on the same day as the account date of the account processing or a future date. A re-cut permission / non-permission determination command for determining whether or not the account processing request is higher in the priority order of the account processing request. And a recut processing control command for executing a processing request in the account processing step. The recut permission / inhibition determination command may include a command corresponding to each step from step S12 to step S17 shown in FIG.

FIG. 9 is an explanatory diagram showing an operation example according to the second embodiment. In the example shown in FIG. 9A, 2 shown in FIG.
This is the case where, following the ATM cash withdrawal of 000, a deposit with a serial number 004 is made with the 11th as an account date. 11
The balance is from 0 to 9,0 because the payment is made on the day
It became 00. Referring to FIG. 8, the transfer is executed as an account process (step S11), and subsequently, a date check table is generated (step S12). The date check table has only 11 days, and the first date is 11 days (step S13). In the example shown in FIG. 9, payment B and payment C are stored in the remaining shortage statement as unsettled account processing. Since the account processing with the highest priority is payment B (step S14), the transaction amount 8,000 of the payment B is compared with the available amount 11,000 of sunrise money. Since the transaction amount is smaller than the withdrawable amount, it can be recut,
In step S18, re-cut of the payment B is started.

At step S11, payment B is recut,
When the date check table is created, the possible amount of money for 11 sunrise money is 1,000. Since payment C cannot be re-cut, if it is confirmed in step S16 whether there is a next remaining shortage statement within 11 days, the remaining shortage statement is the last payment shortfall. Then, there is no future-dated balance statement based on the 11th (there is no date in the date check table). For this reason,
The processing shown in FIG. 8 is completed. This state is shown in FIG. According to the present embodiment, as shown in FIG. 9 (B), payment B having a high priority
Was able to make payments.

[0107]

[Third Embodiment] In the third embodiment, in the future completion processing, the common resource is used in an optimal state for a plurality of operations with defined priorities by combining the cancellation of the future and re-cutting. Disclose the mechanism. In the third embodiment, the present invention is not limited to settlement only, but can be applied to all core businesses.

FIG. 10 is a block diagram showing a configuration example of the future resource utilization optimizing system according to the present embodiment. As shown in FIG. 10, the future-dated resource utilization optimization system includes:
A resource status file 7 which records the status of resources that determine whether a business process request can be executed or not for a certain period of time and a computing unit 4 that processes each business process request based on information recorded in the resource status file. Have. The resource status file 6 includes a resource description segment 7A for storing the resource status from the past to the present and future future dates at regular intervals, such as on a daily basis, and a business process request made in the past or the future date. And a transaction detail segment 7B for storing business processing requests that have not been completed due to lack of resources at a later date with the priorities.

The resources to be managed in this embodiment correspond to the account balances in the first and second embodiments. In addition, the number of seats and the number of vacancies may be applied as resources to the reservation processing, or may be applied to sales management of goods and services with limited quantities and deadlines. In the present embodiment, when a plurality of processing requests (herein referred to as business processing requests) compete with a finite common resource, the common resources are determined in accordance with a priority determined in advance according to the type of the business processing request. It is a system that distributes.

In the example shown in FIG. 10, the calculating means 4 executes the business processing request and, when the business processing request is satisfied, records it in the transaction detail segment 7B.
If the resource is insufficient and the resource is insufficient, the business processing unit 38 records the unsatisfied detail segment 7C. If the resource is insufficient at a future date as a result of the processing by the business processing unit 38, The period during which the shortfall occurred (in the example of settlement,
Cancellation processing unit 4 for sequentially canceling business processing requests from the group of business processing requests recorded in the transaction detail segment 7B in the order of lower priority within the account date) until the resource shortage is resolved.
0, as a result of the processing by the business processing unit 38, if the resource increases on the current day or the future date, the resource shortage does not occur from the business processing group recorded in the unsuccessful detailed segment 7C after the increased period. And a re-execution processing unit 42 for executing the unsatisfied business processing requests in the range of available resources in descending order of priority.

The business processing unit 38, according to the contents of the business,
It processes requests such as provision of services and reservations for sale of products. At this time, it is preferable that the reservation on the previous date is accepted, but the reservation is not handled as a fixed reservation, but is canceled on the day or immediately before. When a resource shortage occurs as a result of the business processing, the cancellation processing unit 40 sequentially cancels the business processing request until the resource shortage is resolved. At this time, resources are assigned in priority to business processes with higher priorities by canceling business processes with lower priorities in order.

When the resources have increased as a result of the processing by the business processing, the re-execution processing unit 42 attempts to re-execute the business processing requests stored in the unsuccessful detailed segment 7C in the order of their priority. I do. By controlling the re-execution of the business process request in descending order of priority, resources can be allocated in preference to the business process of higher priority.

It is generally said that in transaction management, a chain of aborts (interruption of processing and return to before starting processing) should be avoided. A cascading abort aborts a transaction according to an invalid value,
An abort of this transaction causes an abort of another transaction, which occurs in a chain. Since the occurrence of a chained abort poses a serious problem in processing performance, it is said that the occurrence should be avoided. A cascading abort does not occur if it guarantees that the transaction does not take action based on a value that can be canceled.

In the future date completion processing (including reservation etc.), the use of resources in the future is not fixed. Taking the settlement as an example, the use of the resources on the future date can be canceled without giving the settlement completeness. In addition, the reservation of food and drink and accommodation facilities can be canceled or changed up to a certain period before the day. Therefore, the use of resources may be canceled in the future completion processing. Then, in order to give priorities to the respective business processes and account processes on a future date, cancellation and re-execution must be frequently used, and the same situation as a chain abort may occur.

For example, priorities are assigned to business processes,
By executing high-priority business processes and canceling low-priority business processes, the replacement of business processes in accordance with the priority order is a matter of considering business processes as transactions. It will be in the same state as a simple abort. In other words, when attempting to exchange transactions, it is necessary to abort the transactions once established one after another.

In the present embodiment, instead of a simple transaction processing system, business processes (transactions) are exchanged using a transaction detail segment and an unsuccessful detail segment. That is, while managing the situation in which a chain of aborts occurs as an unsatisfied detail segment and a transaction detail segment, a combination of the cancellation processing and the re-execution processing performs replacement or restructuring of the business processing according to the priority. As a result, the priorities can be reflected at a later date while avoiding system instability due to the same situation as a chain of aborts.

More specifically, the cancellation by the cancellation processing unit and the re-execution by the re-execution processing unit satisfy the ACID characteristics as a transaction, thereby preventing a chain abort of transactions. The result is recorded in a stable state as an unsuccessful statement segment or a transaction statement segment. Then, the cancellation processing and the re-execution processing can be executed strictly and stably at the level of the transaction management system. However, from the viewpoint of the business, if the business processing request to be satisfied is not executed and is stored in the unsatisfied detail segment, consistency and consistency at the business level cannot be maintained. The configurations of the cancellation processing unit 40 and the re-execution processing unit 42 shown in FIG. 10 are designed so as to maintain consistency at the business level. In short, when there is a change in the state of the resource, cancellation or re-execution is considered.

By canceling when a resource shortage occurs and re-executing when the resource is full, consistency at the business level can be maintained. Then, by referring to a priority determined in advance according to the type of the business processing request or the like and canceling or re-executing the processing, the execution order of the business processing can be changed according to the state of the resource. As a result, it is possible to optimize the business process to be executed according to the resource state change.

Further, by combining the cancellation and the re-execution, it is possible to automate the forcible replacement of the business process. Specifically, the business process request (high-order request) having the highest priority among the unsuccessful item segments is specified,
An account processing request that has a lower priority than this high-order request and has already been established is replaced. The replacement of the high-ranked uncompleted business processing request and the low-ranked completed business processing request is re-executed (in the fourth embodiment, re-cut is performed).
Call.

In the example of performing the correction re-execution, the arithmetic means 4
If the status of the resource has changed as a result of the execution of the business processing request, the business processing request having the highest priority among the business processing requests of the future date recorded in the unsatisfied detail segment 7C is not An unsatisfied high-rank request specifying unit 44 for specifying as a satisfied high-rank request is provided. Further, the calculating means 4 is to use the business processing request group having a lower relative priority than the unsatisfied high-priority request among the business processing requests of the future date recorded in the transaction detail segment 7B. A modified available resource calculation unit 46 for calculating a list or total amount of resources as modified available resources is provided.

In this example, if the resource requested by the unsatisfied high-rank request is satisfied by the modified available resource, the calculating means 4 executes the unsatisfied high-rank request and executes the cancellation processing. A modification / re-execution processing unit 48 for requesting the unit to cancel a business processing request group having a low priority.

The unsatisfied high-rank request specifying unit 44 specifies the highest-priority business process request among the business process requests recorded in the unsatisfied detailed segment 7C. An attempt is made to replace the unsatisfied high-rank request with a low-rank business processing request that has already been satisfied. The established business processing request is
Recorded in transaction detail segment 7B. The modified available resource calculation unit 46 modifies and uses the list or the total amount of resources scheduled to be used by a group of business processing requests recorded in 7B in the transaction detail segment and having a lower relative priority than the priority of the uncompleted high-order request. Calculate as possible resources.

Then, when the resources requested by the unsatisfied high-rank request are satisfied with the corrected available resources, the correction re-execution processing unit 48 executes the unsatisfied high-rank request. As a result, resources can be allocated to business process requests that have not been established. Immediately after this high-order request is corrected and re-executed, a conflict with the common resource occurs between the high-order request and a group of business processing requests with a low priority, resulting in a resource shortage state. The cancellation processing unit 40 cancels business processing requests that have already been established in the order of lower priority in order to resolve this resource shortage state. As a result, the business process requests (transactions) are exchanged according to the priority.

Here, a description will be given of a room in accommodation facility A as an example of resources and the reflection of priority in this reservation. For example, the reservation of the accommodation of the package travel and the reservation of the accommodation facility A directly conflict. Since the applicant of the package travel has not specified accommodation facilities, accommodation facility A for the package travel
It is assumed that the priority of the business process request for making a reservation to the user can be set lower than that of the business process request for making a direct reservation.
That is, it is assumed that the priority of the business process request for making a direct reservation is high.

If the accommodation reservation of the packaged tour is executed earlier in time and the use schedules of all the rooms of the accommodation facility A are registered in the transaction statement segment, if a business processing request for direct reservation is made, the resource Cannot be executed because of the shortage, and is temporarily stored in the unsuccessful transaction detail segment 7C. Then, the unsatisfied high-rank request specifying unit 44 specifies the business processing request for performing the direct reservation. Then, the corrected available resource calculation unit 46 specifies the resource to be used in accordance with a business processing request for making a reservation for a pack trip stored in the transaction detail segment. If it is an accommodation facility, the type and number of rooms are specified.

The modification execution processing unit 48 determines whether the resource requested by the business processing request for making a direct reservation can be satisfied by the resource specified by the modification available resource calculation unit 46. If it is satisfied, first, a business process request for making a direct reservation is executed. Then, a conflict occurs in resources (becomes a double booking state), and therefore, the reservation with the lowest priority among the reservations of the pack travel with lower priority is canceled. Thus, the replacement of the reservation with the accommodation facility A is completed. The canceled pack trip is used to make a reservation for another accommodation facility in the same area.

In the example shown in FIG. 10, a large number of cancellation processes or re-execution processes may occur depending on whether the resources are sufficient or insufficient. Executing such a large number of cancellations and recuts as one transaction has system limitations and degrades the response time. Therefore, for cancellation and re-execution, it is preferable to use a derived transaction that is executed as a transaction different from the transaction on the activation side.

On the other hand, if the process of requesting the use of resources and the management of the resources requested to be used are processes of different systems, development is easy. However, it is not possible to cause inconsistency between resource use request processing and management of resource use permission and the like. For example, the conclusion that the accommodation reservation was successful,
The process of registering a reservation at an accommodation facility must satisfy the primitiveness. In such a case, the resource use request process and the resource management process may be linked and executed as one transaction.

As described above, in the present embodiment, in order to execute complicated processing while ensuring responsiveness, two types of transaction activation methods are selectively used. One is linked transactions (chained transactions, nested transactions)
And the other is a derivative transaction (unchained transaction). In the case of a linked transaction, as an example of settlement, the process of withdrawing from a savings account and depositing it into a time deposit account to perform automatic periodicity Link with the process of depositing money (chain)
And process as one transaction. That is, a linked transaction is one transaction, no matter how complicated the nesting is, and even if the linkage is repeated many times. Due to transaction isolation, if any processing is being performed by a linked transaction, the resources used by the linked transaction are hidden. Further, if all the linked processes are not successful due to the primitiveness of the transaction, no response is returned to the terminal or the like.

[0130] Here, the side that starts the linked transaction is called a start-up business, and the process started by the start-up business is called a passive business.
Linked transactions generally have a limited number of links,
Since the transaction is executed as a transaction, if the number of transactions to be linked becomes large, the response time of the online transaction cannot be kept within a certain time as described above. That is, there is a limit to the interlocking process for processes in which the number is difficult to predict, such as canceling a large number of reservations when one reservation is made, or executing a large number of account processes in response to payment for a certain account.

A derivative transaction completes one transaction and derives another transaction different from that transaction. Derived transactions (unchained transactions) have some difficult parts to handle, but in the present embodiment, the fourth embodiment, the first example, etc., the number of business processes (account processes) to be canceled is limited in advance. Is difficult, so there is a limit to canceling or re-cutting in a linked transaction, and use derivative transactions.

FIG. 11 is a block diagram showing a configuration for optimizing the resource state by using both the linked transaction and the derived transaction. In the example illustrated in FIG. 11, the arithmetic unit 4 executes an operation on a resource such as resource reservation or use as a start-up operation, and performs a predetermined passive operation with the active start-up operation program group as a single transaction. Startup business processing unit 50 requesting the business processing unit
And executing a passive task such as update management of the resource status requested to be linked by the startup task processing unit 50,
When the state of the resource changes due to the execution of the passive business, a passive business that starts a predetermined cancellation / re-execution main program as another derived transaction different from a single transaction in which the starting business and the passive business are linked. And a processing unit 52.

When the cancellation / re-execution main program is started as a derived transaction, the calculating means 4 further cancels or restarts the started service based on the state of resources managed by the passive service at the time of the start. In addition to judging the necessity of execution, based on the judgment result and the priority of each start-up task, the start-up task processing unit is configured to cancel or re-execute the start-up task as another derivative transaction different from the cancellation / re-execution main program. 50 is provided with a cancellation / re-execution main processing unit 54 to be executed by the 50.

In a preferred example, the cancellation / re-execution main processing unit 54 has a function of starting the cancellation / re-execution main program after the linked transaction between the start-up business processing unit 50 and the passive business processing unit 52 reaches a synchronization point. It is good to have. As a system-based transaction management, the starting business may start the cancellation / re-execution main program, but the cancellation / re-execution main program is for optimizing resources. Control is logically easier to handle. In addition, the startup process is a process for requesting the use of a common resource, and therefore, there are many programs to be the startup process, whereas the passive process is for managing resources, so that there are few programs on the passive processing side. For this reason, it is preferable that the derivation of the cancellation / recut main be performed on the passive processing side.

When the cancellation / re-execution main program is started as a derivative transaction, the cancellation / re-execution main program receives the state of the resource managed by the passive service when the cancellation / re-execution main program is started as a derivative transaction. And a cancellation re-execution determination command for determining whether or not the startup business is required to be canceled or re-executed, based on the determination result according to the cancellation re-execution determination command and the priority of each startup business, and Or, a re-execution main processing command for causing the start-up business processing unit to execute re-execution as another derived transaction different from the cancellation re-execution main program. Each of these commands is calculated by the arithmetic means 4
When executed, the calculation means 4 functions as a cancellation / re-execution main process 54.

In the present embodiment, it can be assumed that a processing load similar to that of a chained abort occurs. That is, as a result of the completion of one transaction, many business processes are canceled or recut. The cancellation re-execution main program needs to determine one after another which business process is to be canceled or re-cut. However, when the cancellation or re-execution is started and controlled by the cancellation / re-execution main, and executed, the resource status changes. The cancellation and re-execution main must control the optimum cancellation or re-execution in this changed state. For this reason, in the present embodiment, spiral processing for optimizing the use of resources while sequentially starting derived transactions is adopted.

Referring to FIG. 11, when the cancellation or re-execution of the start-up business is started as a derived transaction, the cancellation / re-execution main processing unit 54 sets the derivation management flag indicating the contents of the start-up business to the start business process and the start business process. A flag passing control function 56 for passing to the passive business process linked by the startup business processing unit 50 is provided. This flag is a flag indicating the progress of cancellation / recut. Then, the cancellation / re-execution main processing unit 54
When the cancellation / re-execution main program is started as a derived transaction, the same type of determination and execution for the resource are continued by referring to the derived management flag until there is no target segment in the resource status file. And a spiral processing control function 54.

The spiral processing control function 54 manages the continuity of the derived transaction. FIG.
FIG. 8 is an explanatory diagram showing an operation example of spiral processing. Figure 1
In the example shown in FIG. 2, first, a request for resource use or the like is made by a start-up process (step S21A). The startup task processing unit 50 requests the securing of resources in conjunction with the passive task.
In the passive processing, when the securing of resources is completed (step S21)
B), the operation is returned to the start processing S21A. As a result, the activation process S21A reaches the synchronization point. On the other hand, passive processing
When the securing of the resources is completed, the cancellation and re-execution main program is derived and started. This cancel rerun main program is
It is preferable to start the execution after the start processing S21A reaches the synchronization point. In the cancellation re-execution main S21C, the necessity of re-executing an unsatisfied business processing request or canceling a completed business processing request is determined according to the state of the resource.

Here, the accommodation facility has decided to partially renovate,
Suppose a sudden resource shortage occurs. Cancel re-execution main S2
In 1C, the cancellation of the reservation with the lowest priority is started as a derived transaction. With this cancellation start, the cancellation re-cut main reaches the synchronization point. The activated cancellation processing is executed as activation processing (step S22A).
Interlocking with the passive process S22B is the same. At this time,
The derivation management flag corresponding to the determination result (cancellation activation) in the cancellation re-execution main S21C is passed to the cancellation re-execution main S22C via the activation process S22A and the passive process S22B.

In the cancellation re-execution main S22C, a business process request having the next lowest priority after the previously canceled business process request is specified as an object to be canceled, and the cancellation is started. This cancellation process is performed in S23, and the cancellation re-execution main S24C is started again. Each step S21, S22, S2
In 3, 3,..., The executed re-execution main is a different transaction, but continuity of the processing is ensured by the derivation management flag. The continuous activation of cancellation / re-execution using the derivation management flag is referred to herein as spiral processing. Spiral processing is
It is suitable when continuous determination of data or processing is required, such as reflection of priority.

Referring again to FIG. 11, the function of the correction re-cut shown in FIG. 10 is implemented as the function of the cancellation re-cut main in the example shown in FIG. In the example illustrated in FIG. 11, the cancellation / re-execution main processing unit 54 assigns the highest-priority startup service to the highest-priority startup service among the startup services that have not been established when the resource status has changed due to the execution of the passive service. A high-priority task identification function 60, and a list or total amount of resources used by a startup task group having a lower priority than the priority of the high-priority task among established startup tasks is calculated as a modifiable available resource. A modification available resource calculation function 62 for re-executing the start-up operation which is the high-priority operation when the resource requested to be used by the high-priority operation is available in the modified available resource. An execution control function 64 is provided. Thereby, the re-execution is realized. Further, when resources become insufficient due to the re-execution, the business process is canceled in the order of lower priority. Further, in this example, the cancellation / recut main program includes these functions 60, 62, 64.
Is provided.

FIG. 13 is an explanatory diagram showing an operation example of the third embodiment. In the example shown in FIG. 13, when resources are ranked, such as a window side with a good view at a restaurant seat or the size of a room at an accommodation facility, priority is set according to the type of reservation and other conditions. However, this is an example of maintaining consistency between the priority and the rank of the resource (the first resource is assumed to have a higher rank). In the example shown in FIG. 13A, the serial numbers 001, 002,
003 and 004 are established. Serial number 0 with high priority
Advanced first resources are allocated for 01 and 002. Here, a business process request that is a reservation with a high priority is input as the serial number 005. In the case of the first resource or the second resource in the case of the priority reservation, since the serial number 005 cannot be executed due to a shortage of resources, it is temporarily stored in the unsuccessful transaction statement. Alternatively, when the priority is 1 in the priority reservation, the optimization by the cancellation re-execution main may be executed.

The cancellation / re-execution main processing unit 54 specifies the business process of the serial number 005 by using the high-priority business specifying function 60. The modified available resource calculation function 62 specifies the first resource allocated to the serial number 002 having a lower priority as the modified available resource. The modification re-execution control function 64 sets the serial number 0
It is determined that the first resource can be allocated to the task number 05, and the correction recut of the business process request with the serial number 005 is started. In the example shown in FIG. 12, the cancellation re-execution main in S21C activates the re-cut of the business process request with the serial number 005.
The start-up business processing unit 50 executes the business process request with the serial number 005, and requests the passive process S22B to secure the first resource.
In the passive process, when the first resource is secured at the serial number 005, the cancellation re-execution main S22C is derived and activated. Start-up processing S22
A and the passive process S22B reach the synchronization point. In the cancellation re-execution main S22C, since a conflict has occurred in the first resource, of the business processing requests using the first resource, the business processing with the serial number 002 having the lowest priority is specified, and this cancellation is derived and started. I do.

At S23, the cancellation of the serial number 002 is completed. In the cancellation re-cut main in S23C, the correction re-execution of the serial number 002 of the priority order 2 is considered. Since the priority of the business process (serial number 003, 004) using the second resource is low, the re-execution of the serial number 002 is derived and started. In step S24, the re-execution of the serial number 002 is completed. In the cancellation re-execution main S24C, the cancellation of the serial number 004 having the lowest priority among the business processing requests using the second resources is started. Serial number 00 in step S25
4 business processing is canceled. Cancel re-execution main S25
In C, since there is a vacancy in the third resource, re-execution of the serial number 004 is derived and started. By re-cutting serial number 004,
The third resource also ends. Serial number 004 in step S26
Is completed. In the cancellation re-execution main S26C,
Since there is no shortage of resources, there is no object to be canceled, no object for correction re-cut, and no object for re-cut, so that the spiral processing is completed. In the example shown in FIG.
Although the re-execution and the cancellation are alternately repeated, depending on the example of the spiral processing, for example, all business processes may be canceled and then re-executed according to the priority. This can be realized by determining how to set and use the derivation management flag.

[0145]

[Fourth Embodiment] In a fourth embodiment, a future completion process for reflecting a priority order in settlement using an account balance using the technique disclosed in the third embodiment will be disclosed. In the fourth embodiment, settlement by an account processing request is optimized by a combination of cancellation and recut. That is, an account processing request with a high priority is settled with a limited balance. Here, the deadline for the account date of each account processing request (recut deadline)
Is for a predetermined one day only. If the settlement on the specified date is not possible, the requester of the settlement is notified that the settlement was impossible.

In the fourth embodiment, all account processing requests are to be replaced by the corrected withdrawable amount. A processing example based on a premise different from this premise will be described later as a first embodiment. In comparison with the first example, the priorities of the fourth embodiment are all the first priority group ($ 9x), there is only one priority group, and the recut deadline is only on the account day. Because there is no advance. The software framework is the same as in the third embodiment. Therefore, the fourth embodiment is a specific example in which the third embodiment is used for settlement using a deposit account. FIG. 14 is a block diagram illustrating a configuration example of a future completion processing system according to the fourth embodiment. In the example shown in FIG. 14, the future completion processing system includes the receiving unit 2 and the arithmetic unit 4 as in the first and second embodiments.
And a file 6. And file 6
Has, as the account information, a transaction statement segment 12, a balance statement segment 14, and a remaining shortage statement segment 16 as in the example shown in FIG. It is assumed that the account used for settlement is a savings account or a checking account.
Therefore, for example, the balance statement segment 14 stores the account balance of the depositor for each account date. If there is an automatic loan based on a collateral period, a security description segment is added to this balance description segment. The balance detail segment stores the balance of the future date for each account date. The future date balance is stored in the balance statement when the future date account processing is executed. Here, even if the account is stored in the remaining shortage and there is no change in the account, the balance on the account date of the account processing stored in the remaining shortage is stored in the balance detail segment.

As shown in FIG. 14, in the present embodiment, the arithmetic means 4 executes an account processing request for requesting settlement of withdrawal or deposit using the balance for each account date as a start-up operation, and executes the execution. Startup business processing unit 66 for requesting a predetermined passive business processing unit to interlock with the startup business program group as a single transaction, and withdrawal of the account balance for each account date requested by the startup business processing unit 66 to be interlocked Alternatively, when the passive business such as payment is executed by using each of the segments, and the execution of the passive business changes the balance statement for each account date, the predetermined cancellation / recut main program is linked with the starting business and the passive business. And a passive business processing unit 68 which is started as another derived transaction different from the single transaction described above.

The passive business processing unit 68 manages the balance stored in the file 6, and updates the transaction details segment 12, the balance details segment 14, and the remaining shortage details segment 16 every time the account processing is executed. The startup task processing unit 66
The processing includes requesting withdrawal from a savings account in order to withdraw a utility bill, and requesting withdrawal from a savings account in order to collect (repay) loans. The automatic transfer requested from the outside, such as a utility bill, is called external self-financing, and the automatic transfer within a financial institution, such as repayment of a loan or a fixed-term deposit, is called internal self-financing.

As shown in FIG. 14, in the present embodiment, when the passive business processing unit 68 activates the cancellation / recut main program as a derived transaction, The necessity of canceling or re-cutting the start-up business is determined based on the state of the segments 12, 14, and 16, and the start-up business is determined based on the determination result and the priority of the account processing request to be each start-up business. There is provided a cancellation / recut main processing unit 70 for causing the start-up business processing unit 66 to execute cancellation / recut as another derivative transaction different from the cancellation / recut main program.

The cancellation / recut main processing unit 70 activates cancellation of an already established account process or recut of an unestablished account process as a derived transaction. That is, from the viewpoint of the transaction management system, the cancellation processing and the recut processing are transactions that satisfy the ACID characteristics. The cancellation process is not an abort of an already established transaction, but a new transaction that changes an established transaction to unestablished and updates each segment to an unestablished state. Therefore, the cancellation process started by the cancellation / recut main processing unit 70 is not a chain abort but a strictly scheduled transaction.

FIG. 15 is a block diagram showing a detailed configuration of the cancel / recut main processing section 70. In the example shown in FIG. 15, the cancellation / recut main processing unit 70 executes the balance statement for each account date stored in the balance statement segment 14 in order to realize the same function as the cancellation processing unit 10 in the first embodiment. Based on the above, the amount that can be withdrawn on each account day is calculated, and if the amount that can be withdrawn on the account date of the future date becomes negative and settlement becomes impossible, a plurality of A cancellation activation control function 72 is provided for causing the activation business processing unit to execute cancellation of a low-priority account processing request among the settled account processing requests as a derived transaction.

As described above, in this embodiment, instead of aborting the transaction immediately after finding the unsettled situation, the unsettled situation at the future date is temporarily recorded in the balance statement, and this record is recorded. Complete the sync point process of the account process that resulted in the unsettled situation due to success.
Then, after the account processing that has caused the settlement impossible state reaches the synchronization point, the transaction is canceled as a derived transaction. As a result, for example, the withdrawal at the ATM or the like is committed early, and thereafter, the account processing request is canceled at the future date in order to maintain business consistency at the future date.

The cancel / recut main processing unit 70
In order to realize the same function as the re-cut processing unit 24 in the second embodiment, the withdrawal amount for each account date is calculated based on the balance statement, and the withdrawal amount is calculated on the calculation date / time or the future date. Based on the available amount of money, it is determined whether or not each account processing request can be settled in descending order of priority among account processing requests that have not been completed on the current day or the future account date stored in the remaining shortage statement. If there is an unprocessed account processing request determined to be settled by the recut availability determination function 74, the recut of the account processing request is sent to the start-up business processing unit. And a recut activation control function 76 to be executed as

In the case of re-cutting, as in the case of the cancellation, the account processing request for depositing cash by ATM itself reaches the synchronization point by successfully updating the balance statement.
Thereafter, based on the balance increased at a future date, it is determined whether recutting is possible, and if recutting is possible, the recutting is started as a derived transaction. The re-cut processing is executed by the startup task processing unit 66 shown in FIG. The startup operation processing unit 66 requests the passive operation processing unit 68 to dispense by re-cutting. The passive business processing unit 68 determines whether to make a withdrawal based on the balance on the account day. If the withdrawal is possible, the balance of the account is reduced and the balance at a later date is updated. When the balance is updated by the passive business, the cancellation re-cut main is started as a derived transaction, and it is determined whether there is an unsatisfied account processing request that can be re-cut next. As described above, by adopting a configuration in which the synchronization point is reached each time an account processing request is executed, the operation efficiency of the system is enhanced, and the cancellation processing and re-cut processing that may occur many times due to one cause are stabilized. Strict execution.

In the example shown in FIG. 15, in order to realize the same function as the correction and re-execution in the third embodiment, the cancellation / re-cut main processing unit 70 stores the remaining shortage detail segment in A high-priority service specifying function 78 for specifying the highest-priority startup service as a high-priority service among the startup services that are account processing requests; A function 80 for calculating a possible withdrawal amount that calculates the total amount of withdrawal amounts used by the start-up business group having a lower priority than the priority of the high-priority business as a possible withdrawal amount on a future date.
And a function of determining whether or not the account processing request of the high-priority business stored in the remaining shortage statement can be settled based on the corrected withdrawable amount on the future date of the accounting date. 82, when the high-priority business is determined to be settleable by the correction / recut availability determination function 82, the correction / recut activation that causes the activation business processing unit to execute the correction / recut of the account processing request as a derived transaction. And a control function 84.

With these functions 78, 80, 82 and 84,
Replace the transaction. That is, it is possible to cancel an account processing request with a lower priority established on a future date and settle an account processing request with a higher priority. For this reason, regardless of the processing order of the account processing requests, if the balance is insufficient, settlement can be performed according to the predetermined priority.

The present embodiment has both the function of the modified re-cut and the function of the re-cut. When the account balance is increased on the day of the calculation, the cancellation of the transaction stored in the statement on the day is not possible. This is because the cut is not performed, and the cut is not re-cut. That is, since the modified recut is based on the cancellation of another account processing request, it is used only for the transaction of the future date which can be canceled. Further, the priorities may be set in detail, and the correction and re-cut may be performed when the priorities are higher than a certain level. In particular, if the correction re-cut is performed only for the type of account processing request that should be prioritized, the operation load of the system is slightly reduced.

Also, in the present embodiment, in order to realize complicated processing while ensuring responsiveness, a derived transaction is utilized by spiral processing control using a derived management flag. In other words, the cancellation / recut main processing unit can determine the reason why the main unit itself has been activated and how far the previous processing has progressed, based on the derivation management flag.

In the example shown in FIG. 15, when the cancellation or re-cut of the start-up business is started as a derived transaction, the cancellation / re-cut main processing unit 70 sets the derivation management flag indicating the contents of the start-up business to the start business process and the start business process. Refer to the flag passing control function 86 to pass to the passive business process linked by the starting business processing unit, and to the derivation management flag when the passive reprocessing main program is started as a derived transaction from the passive business processing unit. And a spiral processing control function 88 for continuing the recut activation control function 76 or the modified recut activation control function 84 until there is no target remaining shortage detail in the remaining shortage detail segment.

"The target remaining shortage is lost" means that re-cutting or correction re-cutting is performed in order according to the priority order, and finally, it is determined whether the account processing request with the lowest priority can be re-cut or not. In that case, the recut activation is completed. Further, in the case where there are a plurality of account dates of the future date, in the present embodiment, the recut deadline is described only on the day of the transfer date, so the recut on the day of the arithmetic day is prioritized, and then the most It is good to process in order from the near future date to the far future date. If processing is performed from the near future date and re-cutting is performed in the order from the far future date, there is no need to cancel after the re-cut is completed.

FIG. 16 is an explanatory diagram showing an example of the spiral processing by the cancellation / recut main processing section 70. FIG.
In the example shown in (1), the activation process and the passive process are linked and executed as one transaction. For example, the start-up process S31 for performing the cancellation process requests the passive process S32 to increase the account balance due to the cancellation. This activation and passive processing reaches the synchronization point when the passive processing is established and the processing according to the establishment is completed on the activation processing side (C5). The timing for deriving and starting the cancellation recut main is arbitrary, but it is preferable that the processing of the cancellation recut main be started after the start and the passive work have reached the synchronization point. In other words, it is preferable to maintain seriality between the startup and passive interlocking transactions and the derived transaction that is the cancellation / recut main.

The cancellation re-cut main refers to the derivation management flag and each of the segments 12, 14, and 16, and what processing is performed to optimize the account (or restore consistency as a business). It is determined whether or not it should be performed, and the cancellation processing, the modified recut processing, or the recut processing is started as a derived transaction according to the determination result. The cancellation re-cut main first determines whether or not the withdrawable amount is negative on the account date of the future date. If the value is negative (branch B1), a cancellation process for canceling the account processing request with the lowest priority on the negative account date is derived and activated. When the cancellation process is derived and started, the cancellation recut main reaches the synchronization point and ends.

After the cancellation is performed by the interlocking of the activation process S31 and the passive process S32, and the account balance is updated by the canceled amount, the cancellation re-cut main again checks the possible withdrawal amount. At this point, the process for canceling the account processing request with the lowest priority is derived and started, and then the commit C1 is performed. This repetition of the cancellation process is herein referred to as a cancellation spiral SP1. Cancel spiral SP1
Ends when there is no longer a minus in the withdrawable amount.

When the account balance is increased or when the possible amount of withdrawal is no longer negative (branch B2), it is determined whether or not a re-cut is necessary. Each function 78, 8 shown in FIG.
By using 0,82, the corrected withdrawable amount is compared with the highest account processing request. If the modified recut is possible (branch B3), the modified recut process is started as a derived transaction. When the correction recut is started, the cancellation recut main reaches the synchronization point C2, and the processing is completed.

The correction recut is executed in conjunction with the start process S34 and the passive process S35, and when the synchronous point C5 is reached, the cancel recut main is started. The cancellation recut main executes the cancellation spiral processing SP1 for the account date on which the payable amount has become negative due to the correction recut. When the possible withdrawal amount becomes positive (branch B2), the judgment of the correction re-cut is performed again. At this time, the account processing request having the highest priority among the account processing requests that have not been established and are stored in the remaining shortage detail segment 16 has already been corrected and recut. On the other hand, an account processing request having a lower priority is newly stored in the remaining shortage statement. When the correction recut is repeated, the priority of the account processing request stored in the transaction statement becomes higher than the priority of the group of account processing requests stored in the remaining shortage statement. In this state, it becomes impossible to calculate the corrected withdrawable amount, so that it is determined that the correction re-cut is unnecessary (branch B4).

An account processing request that cannot be corrected and re-cut
It will not be recut. In the determination of re-cut, re-cut of an account processing request that is not a target of the correction re-cut is considered. Here, it is determined whether the re-cut of the account processing request of the day or the low-priority account processing request that is determined not to perform the correction re-cut is performed. More specifically, the transaction amount (withdrawal amount) of the highest priority account processing request and the target account among the uncompleted account processing requests whose account date is the account date to be processed (for example, the day of operation). Compare with sunrise possible amount. If the transaction amount is smaller than the withdrawable amount,
Since re-cutting is possible, re-cutting of the account processing request is started as a derived transaction, and commit C3 is performed.

The start processing S37 and the passive processing S38 perform recut processing in conjunction with each other, and after reaching the synchronization point, the derived recut main is started again. The recut does not make the withdrawable amount on that account date negative, but it may become negative on a later date. In this case, cancellation SP1 is first performed by the cancellation spiral. When the re-cut is performed, the re-cut is determined without determining the corrected re-cut. This may be achieved by using a derivation management flag. If there is another unfinished account processing request on the account date on which the recut was performed, the re-cut of the account processing request with the highest priority among them is determined. Initiate a recut.
The re-cut spiral SP2 attempts to re-cut all account processing requests on each account day. Depending on the relationship between the balance and the transaction amount, it may not be possible to settle a high-priority account processing request and settle a low-priority account processing request.

If there is no minus in the possible withdrawal amount, the modified re-cut is completed, and there is no re-cut target, the cancellation re-cut main completes the processing. Generally, when the balance decreases, the cancellation spiral SP1 operates, and when the balance increases, the modified recut and recut spiral S1 operate.
P2 operates. As shown in FIG. 16, since the interlocking transaction by the activation and the passive and the transaction in the cancellation / recut main are different transactions,
The linked transaction by activation and passive reaches the synchronization point immediately after the completion of the processing, whereby good responsiveness to the terminal or the like can be secured. In addition, since the cancellation re-cut main executes the optimization of account processing sequentially using this derived transaction, it is possible to strictly execute the future completion processing assuming the occurrence of cancellation at the future date, Furthermore, complicated processing of settlement by priority can be stably realized, and since the processing is completed at a future date, processing based on the priority is performed while performing processing based on priority.
It can operate continuously for 4 hours. Further, the cancellation re-cut main executes optimization based on the priority of the account processing request each time the account balance is changed, so that the execution order of the account processing request is not limited.

FIG. 17 is a flowchart showing a processing example including the correction re-cut processing by the cancellation re-cut main processing unit according to the present embodiment. As shown in FIG. 17, in the future date completion processing method, first, a withdrawable amount for each account date is calculated as a date check table (step S4).
1). Subsequently, it is determined whether there is a minus in the withdrawable amount (step S42). If there is an account date in which the withdrawable amount is minus, the canceling process is started and the processing ends. On the other hand, if there is no minus in the possible withdrawal amount, the start service having the highest priority among the start services stored in the remaining shortage detail segment and being the account processing request of the future date is specified as the high priority service (step S44, high). Priority work identification process).

Subsequently, of the startup jobs stored in the transaction detail segment and completed at a later date, the total sum of the withdrawal amounts used by the startup job group having a lower priority than the priority of the high-priority job is calculated first. It is calculated as a corrected withdrawable amount on the date of the accounting date (step S45, a corrected withdrawable amount calculation step). Further, it is determined whether or not the account processing request for the high-priority business stored in the remaining shortage statement can be settled based on the corrected withdrawable amount on the future date of the accounting date (step S46, correction). Recut availability determination step). Then, when it is determined that the high-priority business can be settled in the correction re-cut availability determination step, a correction re-cut of the account processing request is executed as a derivative transaction in the startup business processing unit (step S47, correction). Re-cutting process). When the correction re-cut is executed, the processing ends.

By the spiral control of the cancellation / recut main, the correction / recut is controlled by the correction / recut step S47, and when the possible withdrawal amount on the account date of the future becomes negative, Of the account processing requests stored in the transaction details segment on the day, the account processing requests are canceled in the descending order of priority until the payable amount becomes positive (cancellation process after modified recut).

If there is no correction recut target, it is determined whether the recut target is recuttable (step S48). If recut is possible, the recut is started (step S49).

In the case where the re-cut is simply taken as the calculation date and the modified re-cut is taken as the future date, the re-cut determination may be performed before the modified re-cut determination. In the final date completion processing, since the number of processes is larger in the recut of the future date than in the recut of the current day, the order shown in FIG. 17 is used. Only when this occurs, the transaction of the future date may be canceled.

The functions of the cancel / recut main processing unit shown in FIGS. 15 and 16 and the processing steps of the cancel / recut main process shown in FIG. 16 are executed by the arithmetic means 4 shown in FIG. This can be achieved by: For example, the cancellation / recut main program is executed by the arithmetic means 4
As a command to operate, calculate the withdrawable amount for each account date based on the balance statement, and if the withdrawable amount on the future date's account date becomes negative and payment cannot be A cancel activation control command for causing the activation business processing unit to execute a cancellation of a low-priority account processing request among a plurality of settled account processing requests on a certain account date as a derived transaction. As a result, FIG.
And the processing of steps S41, S24, S43, etc. shown in FIG. 17 can be realized.

The cancel / recut main program also includes
The withdrawal amount for each account date is calculated based on the balance statement, and the current or future account date stored in the balance shortage statement is calculated based on the withdrawal amount at the calculation date and time or the future account date. Among the unsatisfied account processing requests, a re-cut enable / disable determination command for determining whether each account processing request can be settled in descending order of priority; And a recut activation control command for causing the activation operation processing unit to execute the recut of the account processing request as a derived transaction when the account processing request is satisfied.

Further, functions 78 and 8 for performing correction and re-cutting
0, 82, 84 and the processing steps (S44, S45, S
46, S47 and the cancellation after the minus (S42, S43), various commands may be provided. In this case, the cancellation re-cut main program includes a high-priority task identification command for identifying the highest-priority startup task among the startup tasks stored in the remaining shortage detail segment and being the post-dated account processing request as the high-priority task, Correction of the total amount of withdrawal amounts used by the start-up business group having a lower priority than the priority of the high-priority business among the start-up businesses that are stored in the transaction statement segment and completed at the future date on the account date of the future The high-priority business account processing request stored in the balance shortage statement can be settled based on the corrected withdrawable amount calculation command to be calculated as the withdrawable amount and the corrected withdrawable amount on the previous date of the account date. And a correction re-cut feasibility determination command for determining whether or not the high priority business is settled by the correction re-cut feasibility determination function. A positive re-cut and a modified re-cut start control command to be executed as a derivative transaction to the start business processing unit.

FIG. 18 is an explanatory diagram showing an example of the correction re-cut processing. In the example shown in FIG.
1, payment A1 of serial number 002 and payment B2 of serial number 003 are executed in this order. The initial balance on the 11th was 30,0
At 00, the balance at the time of establishment of the payment B2 is 10,000. Here, it is assumed that payment A2 of serial number 004 is input. Since the outgoing amount is 19,000 with respect to the balance 10,000, it cannot be settled, and the passive processing stores the payment A2 in the remaining shortage details, and subsequently activates the cancellation recut main.

Referring to FIG. 16, in the cancellation / recut main, first, it is determined whether or not the payable amount is negative (S33). Since there is no minus in the possible withdrawal amount (branch B2), it is subsequently attempted to determine whether or not the modified re-cut is to be performed. Assuming that only the payment A2 is the account processing request stored in the remaining shortage statement, the payment A2 has the highest priority. Referring to FIG. 17, the payment A2 becomes a high-priority business (step S44). Account processing requests having a priority lower than the priority 1 of the high-priority business and having the 11th as an account date are payments B1 and B2. Since the total transaction amount is 10,000 and the possible withdrawal amount is 10,000, the corrected withdrawable amount obtained by adding this is 20,000.
It is 0 (step S45). Subsequently, it is determined whether or not recut is possible. Since recut is possible (step S46), the modified recut is started as a derived transaction.

Referring again to FIG. 17, the start-up process S34
The payment A2 is cut again by the interlocking of the passive process S35 with the payment A2. Then, the passive process S35 updates the balance, and the balance on the 11th becomes minus 9,000. The cancellation recut main activated by the passive processing S35 cancels the payments B1 and B2 by the cancellation spiral SP1 because the payable amount is minus. The passive process S32 registers these in the remaining shortage detail segment. As a result, the lower priority payments B1 and B2 and the higher priority payment A2
Could be replaced regardless of the execution order.

After the cancellation of the payments B1 and B2, the cancellation recut main checks the payable amount. 11 Sunrise possible amount is 1,000, which is a plus. Next, the re-cutting is considered, and an attempt is made to calculate the corrected withdrawable amount. However, since a business having a priority lower than the priority of the payments B1 and B2 has not been established, the corrected withdrawable amount is calculated. Can not. Regarding re-cut, the remaining shortage transaction amount is 8,000, 2,
Since it is 000, it cannot be settled with the balance of 1,000. Therefore, the state of the settlement is the settlement according to the priority. Therefore, the spiral control of the cancel / recut main is ended.

[0181]

First Embodiment Next, an embodiment of the present invention will be described with reference to the drawings. In this embodiment, the priority of the account processing request is defined in advance by a two-digit numerical value. The priorities are from 00 to 99, and from 00 to 89 ($ 9x,
x = 0, 1, 2,...) as the first group of priorities, and 9
The second group of the priority order is from 0 to 99 (9x). As the priority, 00 is the highest and highest, 99
Is the lowest. If the priorities are the same, the order of cancellation or re-cut is determined according to the initial input processing order or the like. Those with a recut time limit of 2 days or more also have a processing relationship and belong to the first group of the priority order. Those whose re-cut deadline is only on the day of the transfer day belong to 9x (second group). If the recut time limit is 2 days or more, for example, in the case of an account processing request that can be recut for 10 days to 3 months, 1
Even if settlement is not possible on day 0, settlement may be possible on the 11th day, which is the future date. At this time, settlement is made in 11 days. On the other hand, when the balance on the 10th has increased, as outlined in the first embodiment, the account processing request on the 11th is canceled and the settlement is made with the 10th as the account date. This is called forward.

In addition, in this embodiment, settlement by automatic transfer requested from the outside, such as transfer of a utility bill (external self-oscillation)
In addition, various masters and databases for realizing internal self-oscillation for withdrawing money from a deposit account for loan collection and periodic deposit are also briefly described. Further, the relationship between the activation process and the passive process described in the fourth embodiment and the program to be actually executed is disclosed.

In this embodiment, details of the cancellation re-cut main on the premise that there are two groups in the priority order and the re-cut time limit may be two days or more, and an operation example thereof will be disclosed.

FIG. 19 is a block diagram showing an example of an accounting system configuration including the future completion processing system according to this embodiment. In the example illustrated in FIG. 19, the receiving unit 2 illustrated in FIG. 1 and the like is realized by the communication control device 101, a CPU that executes a predetermined program, and the medium reading unit 100A. The medium reading unit 100A reads self-vibration request data and the like recorded on a carry-in medium 100B brought in from the outside.

The communication control device 101 is connected to the internal (in-line) network 3A and the external network 3B. Each of the networks 3A and 3B may include a large number of networks physically and logically. The communication control apparatus 101 includes, via the internal network 3A, a CD / ATM 1A used for online transactions with a customer, a sales office terminal 1B located in the sales office and operated by a sales representative, and a telephone call from the customer. Is connected to a telephone banking center 1C for carrying out transactions by.

The communication control device 101 includes a Zengin Center 1D that controls communication such as exchange with another financial institution via the external network 3B, another external center 1E,
It is connected to a customer PC 1F such as a personal computer of a customer who performs firm banking and Internet banking, and a customer portable terminal 1G such as a mobile phone.

Each of the terminals 1A, 1B, 1C, 1F, 1G,
Requests for deposit and withdrawal are input to the CPU from the centers 1D and 1E via the communication control device 101. Zengin Center 1
D is the center of the national bank data communication system. It is connected to a personal information center and another-line computer center. Request command (telegram) for performing exchange transactions such as transfer and remittance
Is transmitted and received.

The external center 1E includes various networks (ACS of regional banks, BANCS of city banks, and MICS of nationwide cash services) constructed according to the type of business of the financial institution.
Etc.), a firm bank (FB), an electronic banking (EB), a center for transmitting and receiving data necessary for telephone banking (for example, ANSER), a POS system of a store, and a credit card settlement system. It is a center (for example, CAFIS or DCS) for communicating with terminals. From this external center, a request command (telegram) for performing various transactions that can be made at a financial institution window, such as notification, inquiry, and fund transfer, is input.

The communication control device 101 receives the request command according to each protocol, and
Is input to the CPU that constitutes. The CPU converts a request command input in each form from each terminal into an account processing request in a predetermined format and delivers the account processing request to a program for performing account processing.

In addition, the transfer of utility charges (external self-oscillation)
It is carried by the carry-in medium 100B. The CPU generates an account processing request using the external self-oscillation original data read by the medium reading unit 100A and another database (DB).

In the example shown in FIG. 19, the future completion processing system constituting the accounting system includes an external self-financing-related DB 100 for managing data relating to settlement using a deposit account such as transfer or transfer, and an automatic funding / financing system. Respond to account processing requests from internal self-oscillation-related DB 102 that manages data related to deposits and withdrawals such as repayment, deposit master DB 104 that manages data related to deposit accounts used for settlement or deposit and withdrawal, and automatic payment machines and store terminals. And a CPU for processing the center cut for executing the deposit / withdrawal or settlement as an account processing request.

The deposit master DB stores the account processing request as the transaction statement including the account date and the priority in the order according to the order of the account processing, similarly to the file 6 shown in FIG. 12, a balance detail segment 14 for storing the balance for each account date, and a remaining shortage detail segment 16 for storing account settlement requests that cannot be settled and that have not been completed, including account dates and priorities, as remaining shortage details. I have.

In the example shown in FIG. 19, the future date completion processing system includes an external self-oscillation-related DB 100 and an internal self-oscillation-related DB.
A self-oscillation input file generating means 105 is provided for editing the external self-oscillation original data or the internal self-oscillation data extracted from 102 and generating a center cut message including one or a plurality of account processing requests. The self-oscillation input file generation means 105 edits each self-oscillation data, generates an account processing request, and further, if necessary, blocks a plurality of account processing requests into one message, sorts the messages, etc. Do.

In the present embodiment, the future completion processing system is as follows.
A center cut message input means 105B for inputting the center cut message generated by the self-oscillation input file generating means 105A to the online operation means 4 is provided. The self-oscillation input file generation means 105A generates or extracts external self-oscillation data and internal self-swing data, respectively, and generates a center cut message from these self-swing data. By setting the data structure of the self-oscillation input file to a predetermined format, external self-oscillation and internal self-oscillation can be executed in parallel or continuously.

Further, the online computing means 4 starts processing for processing a center cut message based on data extracted from the external self-oscillation-related DB 100 and the internal self-oscillation-related DB 102 and an account processing request input via the online response unit 106A. The system includes a business processing unit 108 and a passive business processing unit 110 that manages a deposit master DB. In the example shown in FIG. 19, in order to simplify the description, the deposit master DB 104
An example of processing a request for settlement using a deposit whose balance is stored in the first embodiment will be described. In addition to the settlement processing using the deposit master DB, the online computing means 4 processes various business processing requests such as a request for bookkeeping in a passbook, registration of loan execution, and reorganization of the database using various resources. I do.

The on-line operation means is ATM1A.
And the like, and an online response processing unit 106A for executing an account processing request from the same in real time. The online response processing unit 106A responds to the deposit / withdrawal command on the day,
Accepts transfer reservations, etc.

In the example shown in FIG.
8 processes the account processing request by the center cut message and the account processing request via the online response unit 106A based on the balance statement segment 14 for each account date. The startup business processing unit 108 requests the passive business processing unit 110 to link the running startup business program group with a single transaction. The passive business processing unit 110 performs the passive business such as withdrawal or deposit of the account balance for each account date requested by the startup business processing unit 108 in conjunction with each of the segments 1.
This is performed using 2, 14, and 16. This passive work includes a process of checking the balance, a process of updating the requested balance to the deposit master DB, and a process of updating the balance on a future account date when the balance is updated. The passive business processing unit 110
If the balance statement for each account date changes due to the execution of the passive business, the cancellation / recut main program is started as another derived transaction different from a single transaction in which the starting business and the passive business are linked.

When the cancel / recut main program is started as a derived transaction, a part of the online calculation means functions as the cancel / recut main processing unit 112. The cancellation / recut main processing unit 112 calculates a withdrawable amount for each account date as a date check table based on the balance statement segment activated by the passive business processing unit 110, and generates the date check table. Activate the cancellation or re-cut of one account process as a derived transaction based on it. When the cancellation process or the re-cut process is started as a derived transaction, the startup business processing unit 108 executes the cancellation process or the re-cut process.

The cancellation / recut main processing unit 112
Similarly to the fourth embodiment, a derivation management flag is passed to the transaction started as the cancellation or recut, and the search for each segment is performed based on the derivation management flag passed from the started transaction and the passive business. A continuous spiral processing control function 114 is provided.

[0200] The on-line computing means (or the start-up business processing unit 108) executes each D in accordance with the type of the account processing request.
A center cut reference function for calculating account processing contents with reference to B100, 102, 103, and 104 may be provided. In this case, the regular interest rate, the loan interest and the amount of the arrears, the card loan automatic loan amount, and the like are determined and processed at the time of account processing. The reference function at the time of center cut enables future date processing based on the latest information,
Further, the format of the account processing request, the execution program of the account processing request, and the configuration of the self-oscillation input file generating means can be simplified. In this case, the cancellation / recut main processing unit 112 starts the recut if the recut is likely to be performed based on the transaction amount at the time of the initial execution without asking whether or not the recut can be actually performed. I do. As for the cancellation, the account processing request with the lowest priority is canceled, and when it is started again, the amount that can be withdrawn is confirmed.
For this reason, it is not necessary for the cancellation / recut main processing unit 112 to grasp all the processing contents executed by the startup business processing unit 108.

The accounting system includes a file storage for storing the file 6 and the loan master DB shown in FIG. 1 and the like, a program storage for storing various programs executed by the CPU, The system includes a log storage unit that stores results of execution of registration of various contracts as a log, and a printing unit that prints a form or the like to be sent to a customer.

FIG. 20 is an explanatory diagram showing an example of a database related to settlement (automatic transfer, self-payment) using the deposit master. There are two types of self-oscillation: a type in which an account processing request is read using an account date as a key, and a type in which a specific time on an account date is used as a key. The normal external or internal self-oscillation is an account process using the account date as a key. Debit transfer using external media 100B, customer PC
Transfers and transfers according to operations such as 1F are stored in the original vibration original data file. For repayment by account transfer with the loan repayment date as the account date, payment to time deposits by automatic periodic service, etc., account processing requests are extracted based on registration data in various internal DBs. You.

In the case of repayment of loans, savings, automatic periodical services, and the like, internal self-oscillation data is extracted based on information accumulated in the special contract management DB. For account processing and the like for automatically continuing when the regular period expires, internal self-vibration data is extracted based on information accumulated in the due date management DB.

Examples of the self-oscillation using a specific time on the account day as a key include, for example, funding of a check and automatic lending of a card loan. In this case, if the settlement is not possible until the account date expires or when a predetermined payment waiting end time is reached, an automatic loan by a card loan is performed. This automatic loan using a card loan is different from the automatic loan in the extreme of overdraft with a collateral period, in which the processing of the account targeted for the loan is limited and the automatic loan is performed when there is no deposit immediately before the expiration of the account date. . The recut management DB is used for such self-management using the specific time as a key. The recut management DB manages account processing to be performed after a predetermined time on a predetermined account date. The self-oscillation input file generation unit 105A converts the account processing request of which account date is the current day out of the account processing requests managed by the recut management DB after a predetermined time according to the type of the account processing request. Extract.

Further, in order to execute the automatic periodical service, after processing the withdrawal from the savings account and the deposit into the time deposit account at a future date, the amount of the term deposit is changed before the expiration of the account date. May be requested. In this case, the operation of the terminal of the branch office cancels the already executed related account processing and executes the account processing with a new contract. Such an account processing request due to a change on or just before the account date is registered in the catch-up DB.

FIG. 21 is a block diagram showing a partial configuration of the online calculation means 4 for processing external self-oscillation. In the post-date center cut of the external self-oscillation, input processing from a carry-in medium is performed, subsequently, account collation and extraction processing are performed, and a center cut message is generated. First, a contract for contracting self-vibration using an account is received via a self-vibration request destination such as a power company. This trust contract is registered in a trust contract management DB or the like. Contract management DB
In the field, information on a requester of self-oscillation (a consignor of a transfer or the like) is registered. For information regarding the self-financing contractor (the holder of the account performing the transfer with the account), for example, a deposit name file 100D or the like is used. Examples of the external self-payment include payment of electricity, gas, water, tax, annual membership fee, payment such as transfer of salary from an account of a company or the like, and payment such as transfer of salary to an employee's account.

Then, for example, on a specific day of each month, MT,
Carry-in medium 100B such as FD, and PC1 which is an FB terminal
F or a request for fund transfer via PC1F for Internet banking. In the input process, the contents of the trust agreement management DB are compared with the account transfer request using the carry-in medium 100B or the like. Self-oscillation original data file 100C having a defined data structure
Convert to At this time, the information of the self-oscillation is registered in the type settlement status DB for managing the settlement status of the external self-swing or the commissioned operation management DB for managing the progress of the external self-swing. The self-oscillation serial number is assigned when the self-oscillation original data is registered. A priority order for each type of self-oscillation may be assigned at the time of the self-oscillation original data registration. In this case, the self-oscillation input file generation unit 105A includes a priority assigning unit 105D that assigns a priority according to the type of each account processing request.

In the example shown in FIG. 21, the self-oscillation input file generating means 105A includes a self-oscillation data extraction unit 105C for checking the self-oscillation related information of each DB and extracting data. The self-oscillation data extraction unit 105C includes, for the external self-oscillation, a depositor name file in which the names of the depositors are registered,
The self-oscillation original data stored in the self-oscillation original data file 100C is collated, and it is determined whether or not there is an error regarding the account number or the like for which the request for self-oscillation has been received from the requester. If normal, the self-oscillation input file generation means 105A generates a center cut message from the self-oscillation original data. For example, five account processing requests are blocked into one message.

The center cut message is executed, for example, on the business day before the account processing request account date. Then, the account processing request is settled at a future date. When the account processing is settled, the settlement amount and the like are totaled in the type settlement status DB 100E. Then, information indicating that payment has been made or payment is impossible is also registered in the original vibration original data 100C. When a bit indicating that payment has been completed is registered in advance in the self-oscillation original data 100C, no processing is performed if the payment is successful. If the settlement is not possible due to the remaining shortage, a bit is added to the self-oscillation original data file to indicate that the settlement with the account is impossible. The startup business manages these external vibration-related DBs. If payment is impossible, information may be registered in the non-delivery management DB. In this case, it is possible to refer to the list of center cut disapproval, and the efficiency of business processing at stores and the like is improved.

When the external self-oscillation is cut again or canceled, the bit of the self-oscillation original data file 100C and the contents of the type settlement status DB 100E are updated. Then, when the day of the transfer date is reached, the account processing request that has been settled is determined. If the cut is made again on the same day as the account date, the account processing request for the cut is fixed. On the other hand, when the possibility of payment disappears on the account day or when the date is changed from the account day to the next business day, it is determined that settlement is impossible. In accordance with the determination of these account processing requests, the unregisterable bits registered in the self-oscillation original data file are also determined.

When the external self-oscillation is determined, the commissioned operation management DB
Alternatively, the total amount transferred by account transfer is totaled based on the amount of self-oscillation registered in the type settlement status DB and the like, and the funds are settled to the client of the self-oscillation. This fund settlement is also executed at the center cut. It also internally performs settlement between branches. The management of the progress of the external self-oscillation using these self-oscillation-related DBs is a process on the startup task side. When the passive business receives a withdrawal request or a deposit (increase) request by cancellation from the starting business, the passive business manages the deposit master DB in conjunction with the starting business.

FIG. 22 is a block diagram showing a configuration in the case where the collection of a loan is performed using automatic debit. To execute the collection of the loan in the center cut, a special contract management DB 102B, which is a kind of the internal self-vibration related DB, is used. Special contract management DB
Is a DB for reading out an account processing request using an account date as a key as shown in FIG. First, when a loan is executed, various information is registered in the loan master 102C. At this time, the transfer date of the automatic transfer for collecting the loan is registered in the special contract management DB. In the special contract management DB, only information that triggers an account processing request such as a number specifying a loan and an account number to be transferred is registered.

The self-oscillation input file generation means 105A generates an account processing request for loan repayment as a center cut message from the special contract management DB using the account date as a key. This account processing request is input at a future date. The start-up business processing unit 108 calculates a collection amount. This is the principal plus the contracted interest. That is, the withdrawal amount is unknown until the center cut of loan collection is executed.
At this time, the contracted interest is calculated based on the interest rate on the account date of the future date even in the case of the floating interest rate. The information required for calculating the collection amount is collected by the startup task processing unit. Thus, in the case of internal self-oscillation such as financing, details may be determined at the first execution. For this reason, in the example shown in FIG. 22, the startup task processing unit 108 may include a priority assigning unit 105D that assigns a priority according to the type of each account processing request.

[0214] When the collection amount is calculated, a request for withdrawal to the transfer account is made in a linked transaction. The passive business processing unit 110 determines whether withdrawal is possible based on the balance details of the account date, and returns payment or inability to pay. The passive business processing unit 110 updates the balance when a withdrawal is made, and registers in the remaining shortage details together with the collected amount when the withdrawal is impossible.

On the loan collection start-up business side, if the withdrawal is successful, the loan transaction history DB is registered and the loan master 102
Of the loan execution statement segment of For example, the next redemption date, interest rate, redemption amount, contract balance, etc. are updated. In addition, the balance such as the extreme limit for each branch is updated. Then, the daily account required for the accounting on the bank side is updated. On the other hand, if the withdrawal is not possible, deferral processing is performed. Loan Master 1
02 in the delinquency management segment and the non-delivery management DB1
02A.

On the loan collection start-up business side, in preparation for the case where the currently executed account processing is later canceled or re-cut, the immediately preceding data of the loan master 102C or the like to be changed by the account processing is changed. Alternatively, it is preferable to register the collection amount and the like as pre-replacement information. When this account processing request is canceled, the amount of processing required for the cancellation processing is reduced by performing the cancellation based on the information before the renewal, instead of updating the loan master again based on various information. Can be.

In the case of loan collection, the recut period is generally set to three months. Therefore, it may be cut again several days after the contract repayment date. In the loan collection start-up operation, when performing the re-cutting process, the delinquent interest from the contract repayment date to the account date to be re-cut is added to the collected amount.
Accordingly, although the cancellation recut main determines that recut (or correction recut) is possible, there may be cases where recut cannot be actually performed. If the re-cut succeeds, the loan collection starting operation updates the contents of the loan master and the non-delivery management DB 102A.

[0218] Regarding the regular deposit and regular renewal,
It can be realized by almost the same mechanism.

Next, a description will be given of the relationship between the starting task, the passive task, and the program actually executed. FIG. 23 (A)
FIG. 4 is a block diagram showing a partial configuration of a future date completion process. In the example shown in FIG. 23 (A), the future completion processing system includes a program storage unit 106B storing a plurality of subprogram data for processing all or a part of an online account processing request and all or a part of an account processing request based on self-generated data. ,
An operation code table storage unit 106C stores an operation code table in which the names of subprograms used when executing the account processing request and the execution order of the subprograms are stored for each operation code indicating the type of the account processing request. The operation code is, for example, a numerical sequence, and is a code representing the type of account processing request, such as deposit of ordinary deposit and cancellation of regular deposit. In this embodiment, the combination of the operation code, the account date and the transaction amount is an account processing request.

[0220] Then, the subprogram respectively executes a common command for executing a process common to the online account processing request and the account processing request based on the self-oscillation input data, and A return / start command for executing a process of returning or starting another subprogram.

Further, the program storage means 106B stores
Identify account transactions that are invoked during the execution of the subprogram and that are to be canceled or recut to generate an account status at a future date, assuming that there is no account transaction for the account after the account transaction. Cancel / recut main program is stored.

FIG. 23B is an explanatory diagram showing an example of the operation code table. The operation code table may be generated separately for the activation process and the passive process. The start-up processing includes external self-oscillations such as withdrawal of public utility charges, internal self-oscillations related to financing, fixed-term and fixed-price products. Examples of the passive processing performed in conjunction with the activation processing include an ordinary deposit, a checking account, and an account processing such as information registration. FIG.
In the example shown in (B), account processing is divided into passive processing and activation processing, and an opcode table is created for each task.

FIG. 24 is an explanatory diagram showing an example of the contents of the operation code table. FIG. 24 is an operation code table of the ordinary deposit. If the operation code for savings and withdrawal is "0
1001 ”. The operation code specification describes the operation environment specification of the operation code. For example, the withdrawal of ordinary deposits also operates on Saturdays, and also performs central lump processing for future date processing. On the other hand, individual approval processing for operation is unnecessary. In a preferred embodiment, an account processing request for revoking an account processing request may include adding a fixed number (eg, 500) to the opcode of the original account processing request. The operation code on the start-up business side may be an item of a transaction detail segment or a remaining shortage detail segment. Then, it is possible to directly execute the cancellation and recut activation processing in the cancellation / recut main using the operation code. For example, in order to activate the cancellation of the account processing request stored in the cancellation detail segment as a derived transaction, a derivative activation of an operation code obtained by adding 500 to the operation code stored in the cancellation details is input to the business main.

The operation code table prevents an account processing request specified by each operation code from operating in a state other than a predetermined operation environment. For example, even if an operation code that is not performed in the central batch processing is input as the central batch processing due to some problem, the online operation unit 4 can output an error by referring to the operation environment specification in the operation code table. .

Withdrawal of savings account (operation code 01001)
As an example, the details of the processing contents may not match between the case where the processing is executed as an online processing from the ATM and the case where the processing is executed in the future processing such as external self-oscillation or periodic payment. On the other hand, there is a process that is common to all the activation modes as long as the ordinary deposit is withdrawn. In addition, the processing of developing the account date and the balance after the account date and the like are common to the deposit and withdrawal of ordinary deposits. In this embodiment, the relationship between the account processing and the program is adjusted by a program list for each operation code shown in FIG.

The program can be started in the following manner: B: when the account processing request (operation code) is first input from a terminal such as the branch office terminal 1B or ATM 1A, and C: the same account continuously from the same terminal. A case where a processing request is input, a case where “D-linked” is started as a part of a single transaction as a passive process such as withdrawal of a savings account for a periodic deposit, and a case where E: future-date processing. There is a "derivation" that is started as another transaction different from a transaction such as a deposit in order to cancel or re-cut the balance of the deposit or the like of the ordinary deposit.

The on-line computing means 4 has a function of specifying the operation code table based on the operation code of the account processing request when the account processing request is input, and the sub-operation in the order specified by the specified operation code table. And a function to execute the program as a single transaction. For example, in the example shown in FIG. 24, when the account processing request specified by the operation code 01001 is activated collectively by the center, the subprogram 10,
11 and 12 are executed as one transaction in this order.

A processing example of the subprogram will be exemplified. The balance statement update process is a subprogram that can be commonly used for withdrawal and deposit of passive business, and is started when an account processing request is satisfied and a change occurs in the account balance. Subsequently, the balance detail segment is read from the deposit master DB 104. Then, the balance details are developed in the order of the oldest account date. Subsequently, it is confirmed whether or not there is a balance statement for the account date of the account processing request being executed as passive processing. If there is no balance statement on the account date, a balance statement area for the account day is created. Subsequently, various balances of the future date after the account date are updated. Further, the updated balance detail segment is updated to the deposit master DB 104. Then, processing for returning to the business main or the like is performed according to the activation mode.

As the account processing request that causes a change in the account balance, the processing contents of the normal payment processing and the normal payment processing will be described. In the normal payment processing, first, the branch office terminal, AT
A payment processing request is received from M or an activation operation such as a transfer transaction. Subsequently, the format of the payment processing request, the presence / absence of the account to be paid, and the status are checked, and if there is an abnormality, error processing is performed. If it is normal, a receipt transaction statement is created. Subsequently, the balance statement updating process is executed. When the update of the balance statement is completed normally, a transaction log of payment is output. This transaction log may be used for printing various forms, constructing a management database (delay processing), and the like. Then, the daily schedule managing the accounting of the financial institution is updated. Further, it checks whether there is any uncompleted transaction. For example, the presence or absence of the remaining shortage details is checked. If there is an uncompleted transaction, the cancellation / recut main is started as a derivative transaction. cancel/
The normal payment processing is completed without waiting for the completion of the recut main processing. Since the updating process of the balance statement and the updating of the daily total are common to various account processes, it is preferable to use the same program for various account processes using the program list of the operation code table.

In the normal dispensing process, when a dispensing process request is received from the starting operation, first, the format and the account are checked. If the account is suspended, error processing is performed accordingly. If the format is normal,
The withdrawable amount is calculated from the balance statement of the account processing request, and the withdrawal request amount and the withdrawable amount are compared. If the possible withdrawal amount is insufficient for the withdrawal request amount, error processing is performed assuming that there is no balance. In the same manner as the payment processing, the processing of creating a transaction statement, starting and returning the balance statement update processing, outputting a transaction log, and updating the daily total are performed.

Subsequently, based on the updated balance statement for each account date, it is checked whether or not there is an account date on which the withdrawable amount is negative. If there is an account date on which the withdrawable amount is negative, the cancel / recut main is started as a derivative transaction, and the normal withdrawal process ends without waiting for the end of the cancel / recut main process. On the other hand, even when there is no negative withdrawable amount, the normal withdrawal processing is terminated. The end of the normal deposit processing and the normal withdrawal processing that constitutes the passive business first reports the success or failure of the deposit / withdrawal to the start-up business, and then waits until the start-up business reaches the synchronization point. When the startup task completes the process normally, the passive task and the startup task reach a synchronization point while maintaining atomicity. If there is an activation operation error and the operation is aborted, the deposit and withdrawal on the passive operation side is also aborted, and the state is returned to the state before the processing was started.

FIG. 25 is a block diagram showing the configuration of the online operation means 4 focusing on the details of the cancellation / recut main processing section 112 which is the most characteristic configuration in this embodiment. In the example illustrated in FIG. 25, the passive business processing unit 110 sets an error in an account processing request in which the withdrawable amount becomes negative on the day, while setting a payment that permits the withdrawal amount in the future account date to be negative. A completeness setting function 116 is provided. Then, the cancellation / recut main processing unit 112 determines that the possible withdrawal amount on the future date of the accounting day becomes negative as a result of the processing of the account processing request by the passive business processing unit, And a cancel activation control function 118 for canceling the withdrawal requests on the date of the order from the lowest priority.

The settlement completeness setting function 116 does not directly give finality to each transaction. For example, it does not cancel the account processing executed on the day of the calculation, but makes it possible to cancel the account processing of the future date. It is. As another embodiment, it is systematically possible to set such that an account processing request made on the day of the calculation day can be canceled until the account is accessed even on the day.

In the example shown in FIG. 25, the cancel / recut main processing section 112 operates in accordance with the control of the spiral processing control function 114 to control a plurality of sub-controllers (SC).
It has. The configuration of this sub-controller is such that the account processing is a first group having a high priority in which a re-cut deadline which is a deadline for settlement or deposit / withdrawal may be 2 days or more, or
It is constructed on the premise that it is classified into one of the second group which has a lower priority than the first group and has a recut deadline of one day.

More specifically, the cancellation / recut main processing section 1
Reference numeral 12 includes a date check table generation sub-controller 120 for calculating a possible withdrawal amount for each date of a transaction based on the balance statement segment each time it is activated by the spiral control. The cancellation re-cut main is repeatedly started by the spiral control as described in the fourth embodiment. The date check table is created based on the latest information for each repetition. By creating a date check table every time the cancel recut main is activated, the configuration of the transaction details segment and the remaining shortage details segment at the time of activation (what is established and what processing is not established) ), A state in which there is no consistency (consistency) at the business level that the withdrawable amount is negative is detected.

The date check table generation SC12
0 means that, for various reasons, the date of the original account processing, which is the starting point of the spiral control at which the cancellation recut main was first activated, is the first date (the first account date), and thereafter, the future date transaction is started. The date of occurrence is extracted from the balance statement, and the withdrawable amount on each date is calculated. Then, when the cancellation re-cut main is activated, information on the account processing request that activated the cancellation re-cut main is obtained. Therefore, when a change occurs in the account balance in the passive operation that is derived and started, the date on which the change occurs is included in the date check table. Normally, adjustments are made after the date when this change occurs. However, in the case of shifting from the modified recut SC to the recut SC, for example, the processing is shifted to the earlier date in the date check table and then to the original account date. And return the process.
By referring to the date check table, it is possible to identify on which date of the future there is a transaction,
The table storing the possible withdrawal amount for each account date is called a date check table.

In the example in which the deposit master DB 104 includes a collateral description segment serving as collateral for the deposit account, the date check table generation SC 120 determines the extreme of the collateral description based on the collateral description segment based on the collateral description segment. An extreme addition function 130 is provided for calculating the added amount as a withdrawable amount.

The cancellation / recut main processing section 112 sets the priority among the account settlement requests settled in the remaining shortage detail segment 16 in the first group ($ 9x) until there are no more withdrawal requests at a future date. A future first group cancellation sub-controller 122 for canceling the account processing request by spiral control is provided. The fact that the information is stored in the remaining shortage statement means that the settlement on the first day of the account date such as the contract repayment date has been impossible or has been canceled. And
After that, if it changes to Settled, the original account date will be
It has been settled on any of the account dates within the subsequent recut deadline. Therefore, there is a possibility that forward control must be performed. In the present embodiment, when "by spiral control" is used, the derived transaction is repeated as follows: "one cancellation process is started, the synchronization point is reached, and then the cancellation process is started from the passive side, and the next cancellation process is started." Means the control by.

Further, the account processing request of the first group ($ 9x) is a target of the correction re-cut. If a large number of accounts in the first group ($ 9x) are established, while some are not established, the comparison of all combinations is not performed as a modified recut, but the account in the first group ($ 9x) is used. It is more reliable to cancel all processes once and then re-cut or correct and re-cut in order of higher priority as a reflection of the priority. For example, if the start-up business and the passive business are separated, and the passive business does not calculate the recovery amount in re-cutting the loan repayment (does not add delinquent money), it can be considered as actually re-cutting The exact balance after that is not known.
Therefore, in order to accurately reflect the priority order within the first group ($ 9x), all account processing requests of the first group priority are temporarily canceled, and then re-cut or revised again in descending order of priority. It is desirable to consider cutting.

[0240] Once the first group cancellation is activated as a derived transaction once, the first group continuous cancellation control function 132 determines whether or not the cancellation re-cut main has been derived and activated since the next time. This is a function to continue the cancellation of the first group of the previous date without performing the processing of other SCs until there is no object of the first group cancellation. Specifically, the continuous cancellation is controlled with reference to the derivation management flag.

As shown in FIG. 25, after the spiral control by the first group cancellation SC122 of the previous date is completed, the cancellation / recut main processing unit 112 refers to the date check table to make the withdrawable amount negative. Check if there is a negative account date, and if there is a negative account date, it is possible to withdraw the account processing requests that were established on that account day and stored in the transaction statement segment in order of lower priority A negative cancellation sub-controller 124 is provided to cancel the account processing request by the spiral control until the amount becomes positive. Cancellation control function 118 described above
Is realized by the minus-time cancellation SC124. The cancellation at the time of minus is the same as the method disclosed in the first embodiment or the fourth embodiment.

In the example shown in FIG. 25, in addition to the cancellation control function 134 when the possible withdrawal amount is negative, a control for canceling the payment of the future date is performed when the account balance exceeds a predetermined amount. An overtime cancellation control function 136 is provided. The over-time cancellation control function 136 is, for example, when an amount exceeding the amount of Maru Yu is deposited in the Maru Yu account, when the deposit is found to be over due to the deposit on the previous date, the account holder is notified. It can be used for services such as doing. In addition, this function 130 uses a plurality of accounts properly, sets an upper limit of the balance in a certain account,
Surplus deposits can also be used when depositing into other accounts.

The cancellation / recut main processing unit 112 includes a first group cancellation SC122 of the future date and the cancellation SC1 at the time of minus.
24, after the completion of each spiral control by the first group ($ 9x),
The account processing request of the future date stored in the above is updated until the amount that can be withdrawn is negative based on the amount that can be withdrawn at each account or the predetermined amount that can be withdrawn, or until the scanning of the remaining shortage detailed segment is completed. Modified recut subcontroller 12 for recutting the account processing request by spiral control
6 is provided.

Unlike the fourth embodiment, in the present embodiment, the modified recut SC 126 performs not only the modified recut but also the recut. The account processing request to be processed in the modified recut SC 126 is an account processing request having a priority of the first group ($ 9x). Definition of withdrawable amount,
The definition of the corrected withdrawable amount is the same as in the fourth embodiment. When the revised re-cut is performed, the withdrawable amount becomes negative. In this case, since the cancellation at the minus time has priority, the correction re-cut is not performed continuously. However, the modified recut SC 126 shown in FIG. 25 performs recut with the payable amount when settlement with the payable amount is possible. In this case, the recut may be continuous.

On the other hand, in this embodiment, there is also an account processing request whose re-cut time limit is three months. Therefore, instead of checking only the account processing request group of a certain account date from the remaining shortage detail segment, an account processing request whose recut determination date (target account date) is within the recut time limit is set. Extract. Then, the account processing request with the highest priority is set as the high-priority account processing request. In the future date completion process, payment is made on the future date. Therefore, the future date of 10
Even if settlement is not possible on the day, settlement may be possible on the 11th. For this reason, the same account processing request that is the remaining shortage statement is read as the target account date on the 10th, and if settlement is not possible, whether the recut is possible is considered on the 11th as the target account date. In this regard, in the present embodiment, the process of the correction re-cut is more complicated than in the fourth embodiment.

In the example shown in FIG. 25, the modified recut SC1
26, after the scan of the target of the correction recut is completed, that is, when there are no remaining shortage details that can be corrected and recut at all dates of the date check table, the first group and the second group are prioritized. A re-cut sub-controller 1 for re-cutting the account processing request by the spiral control in the order of higher priority of the withdrawal requests within the withdrawable amount.
28. The re-cut SC 128 includes the re-cut of the future transaction with the priority of the second group (9x) and the operation date of both the first group ($ 9x) and the second group (9x) as the account date. To be re-cut. The re-cut processing when the possible withdrawal amount increases is the same as in the second embodiment.

FIG. 26 is an explanatory diagram showing the configuration of the processing based on the cancellation / recut main. As in the example shown in FIG.
The start job and the passive job are linked, and the passive process starts the cancellation / recut main as a derived transaction. In addition, the cancellation and re-cut main is performed for each of the SCs 122, 122,.
Branch according to the judgment by. Cancel re-cut main
When some process is derived and activated, the synchronization point is reached at the hatched portions C11, C12,..., And the process is temporarily terminated. Although the processing is temporarily ended, the result of the determination in the cancellation / recut main is passed to the activation processing as a derivation management flag. Here, the derived start bit (D bit)
And information flags 1, 2, 3, A, and 4 are used as derivation management flags.

The cancel re-cut main is the first group cancel spiral SPF1 of the previous date, the cancel spiral SPF at minus.
(2) Determine and execute in the order of the over-time cancellation spiral SPF3. Then, in the modified recut SC, among the account processing requests of the first group ($ 9x) stored in the remaining shortage details, an account processing request group whose target account date is not satisfied within the recut deadline is specified. Attempt to re-cut the highest-level account processing request with the possible withdrawal amount. In the case of re-cut, the spiral SPFA returns to the modified re-cut SC again, and attempts to re-cut the next highest priority transaction on the target account date. If the recut is not possible, the revisable amount is calculated based on the assumption that the established low-priority transaction is canceled, and the recut is attempted. If the correction re-cut is possible, the next cancellation re-cut main enters the negative-time cancellation spiral control SPF1.

When there is no remaining shortage of $ 9x for which the determination of the correction re-cut has not been made on the target account date, the target account date is shifted to the next account date with reference to the date check table. Then, re-cutting and correction re-cutting of the account processing request whose new target account date is within the re-cut time limit is attempted. The fact that recut is possible (B18) at the synchronization point C14 of the correction recut means that recut is possible or correction recut is possible. ON and A in the branch B18 means that the derived re-cutting bit (D bit) is ON.
Means that the information flag is A. Each SC
Each has a different information flag. Therefore, it is possible to specify which SC has been processed last time by referring to the information flag.

Hereinafter, the spiral control using the derivation management flag will be described with reference to the processing steps of each SC. As shown in FIG. 26, immediately after being started from the linked transaction S51 of the first start process and the passive process, the derived recutting bit is OFF and there is no information flag (or 1, 2, 3, A, Except 4). The first account processing request that causes a change in the original account balance that activates the cancellation / recut main is referred to as a primitive account processing. The account date of the primitive account processing is called a primitive account date. The date check table is in spiral processing (or modified recut S
Immediately after shifting from C126 to re-cut SC), it is created starting from the original account date. In this case, the original account date is the head date of the date check table, and is the calculation date or the account date (head account date) closest to the calculation date.

FIG. 27 is a flowchart showing an example of processing by the first date cancellation first group SC122. When the date check table is generated, the future first group cancellation SC122
Then, first, "Derivation re-cutting bit (D bit) is O
N does not satisfy the condition that the information flag is not 1 ". If the derived re-cutting bit is ON, it means that some sort of cancellation or re-cut processing has been performed in accordance with the balance change due to the original account processing. If “information flag is not 1” is true (yes), it means that processing other than the cancellation of the first group of the previous date is being performed. If any cancellation / recut processing is performed and the processing is not the first-group first-group cancellation, it means that the spiral processing for the first-group first-group recut has been completed or there is no target. Therefore, if step S61 is YES, the first group cancel processing of the future date is not performed.

When the cancellation re-cut main is first activated from the transfer of the account balance due to the source account processing, the derived re-cutting bit (D bit) is off, so that whatever the information flag is, the condition of S61 Does not satisfy Therefore, if the program is started first, the process proceeds to step S62. In addition, when the first group cancellation is activated at least once, the information flag is “1”. Therefore, if the previous cancellation re-cut main determination result is the first group cancellation of the previous date, the condition of step S61 is not satisfied, and the process proceeds to step S62. Derived during re-cutting bit (D bit)
Is used to determine whether or not the first cancellation / re-cut main is to be activated.
Or other SC. In this regard, the same applies to other SCs.

In step S62 in FIG. 27, it is confirmed whether or not there is an account processing request in the remaining shortage detail segment 16 which has been settled and has the first group ($ 9x) in priority. Since there is a possibility that the account processing request satisfying this condition has been settled within the re-cut time limit other than the first day of the account date, the cancellation is first performed in order to advance the request. This cancellation also serves to reduce the correction re-cutting process and perform re-cutting in accordance with a higher priority.

If there is a settled remaining shortage statement that satisfies the condition of step S62, the derived recutting bit (D
Bit) is turned ON, and the information flag is set to 1 (step S64). Then, the cancellation of the account processing request is regarded as a derivative transaction to which the derivative management flag (D bit = ON, information flag = 1) is attached.
08 (step S64). In the example shown in FIG. 25, the function realized by this series of steps S61, S62, S63, S64 is the first group continuous cancellation control function 1
Called 32.

As shown in FIG. 27, the control SPF for continuously canceling the settled remaining shortage details in the first group on the future date.
1 is based on the determination in step S61 and the update of the derivation management flag in step S64.

FIG. 28 is a flow chart showing an example of processing by the cancellation at minus SC 124. First, with reference to the date check table, it is determined whether there is an account date in which the withdrawable amount is negative (step S7).
1). For this determination, for example, when a date check table is created, it is determined whether the withdrawable amount is negative, and if there is a negative, a bit indicating a negative is added to the date,
This bit may be confirmed in step S71.

If the possible withdrawal amount is negative, cancellation is performed irrespective of the value of the original derived re-cutting bit or the information flag. Therefore, first, the derived recutting bit (D bit) is set to ON and the information flag is set to 2 (step S72). Then, for the account date on which the possible withdrawal amount has become negative, the account processing request of the withdrawal with the lowest priority is specified among the account processing requests stored in the transaction statement segment established on the account date (step). S
73), the starting business processing unit 108 executes the cancellation of the account processing request as a derived transaction with the derived management flag attached (step S74). The functions of steps S71, S72, S73, and S74 are described in FIG.
In the example shown in FIG. 5, it is called a minus-time cancellation control function. As long as the withdrawable amount is negative, this negative cancellation control is performed regardless of which SC has performed the previous processing (SPF2). In addition, if there are two or more future account dates (date check table date), cancel the account processing on the near future account date, and eliminate the minus of the withdrawable amount on the far future account date If not, cancel the withdrawal in the near future and in the distant future accounting date.

If it is determined in step S71 that the withdrawable amount does not have a negative date, it is determined that the deposit is over (step S75). Regarding the over-payment, it is preferable to add a over-payment bit when the date check table is created, and to judge based on this. If there is a future account date exceeding the predetermined deposit upper limit, the derived recutting bit is turned ON, and the information flag is set to 3
(Step S76). Subsequently, the activation business processing unit is made to execute the cancellation of the account processing request for the payment made on the account date of the future date as a derivative transaction with the derivative management flag attached (steps S77 and S78). In the example shown in FIG. 25, the processing from step 75 to S78 is called an overtime cancellation control function 136.

Since the values are registered in the information flags in steps S72 and S75, the first group cancellation in the future at step S27 is not performed in the cancellation re-cut main after the cancellation. That is, since the information flag is 2 or 3 in step S61, the condition that the information flag is not 1 is satisfied, and the processing shifts to the minus cancellation SC (step S65).

FIG. 29 is an explanatory diagram showing an example of the data structure of the remaining shortage details. In the present embodiment, the remaining shortage detailed segment 16 sets the account date of each account processing request to the second in the descending order of priority using the first priority indicating the first group or the second group of the priority as the first key. Has a data structure in which the priorities within each county's county are read out in descending order of the date of priority as the third key. What separates the first group and the second group of the priority is the nine digits when the priority is 9x. In the example shown in FIG. 29, the priority order of the self-oscillation serial number 002 is 25, the first priority order is “2”,
The second priority is “5”.

In the example shown in FIG.
However, when there are remaining shortage details with different account dates, the remaining shortage details are not arranged in the order of the account date. This is due to the relationship between the recut deadline and the target account date. The relationship between the priority and the account date is, for example, as follows.

Priority 25, account date 2 days, recut date 3 months Priority 27, account date 2 days, recut date 3 months Priority 23, account date 3 days, recut date 3 months

When the transaction with the highest priority is specified with two days as the target account date, the transaction with the highest priority is 25, and the two days are arranged in the priority order. Assuming that the 3rd day is the target account date, the transactions of the priorities 25 and 27 are both within the recut deadline. However, since priority 23 is the highest, 3
If the day is the target account date, the highest order will not be specified unless the entire remaining shortage statement is read and compared. Even when the account date is used as the first key, the entire remaining shortage must be read. If the first priority is the first key and the second priority is the second key, the order of the accounting dates will be further changed. The details of the remaining shortage details shown in FIG. 29 will be described later together with specific examples. As described above, in the search for the remaining shortage with a recut deadline of two days or more, the highest rank cannot be specified unless all the items are read once. On the other hand, if only 9x is considered, they are arranged in the order of the accounting date. For this reason, 9
In the sequential re-cut of x, it is possible to determine whether re-cut is possible or not simply in the reading order in which the remaining or insufficient is read.

FIG. 30 is a flowchart showing the processing contents of the modified recut SC126. If the conditions for cancellation control by the first group cancellation sub-controller and the minus cancellation sub-controller of the previous date are not satisfied, the process proceeds to the modified recut SC. In the modified recut SC, first, it is determined whether or not the condition of “the derived recutting bit is ON and the information flag is 4” is not satisfied. If the result of step S81 is YES, it means that the spiral processing SPF4 by the recut SC128 is in progress.

Subsequently, it is determined whether or not the condition "the information flag is A and the determination of all dates in the date check table is completed" is not satisfied (step S82). If the cancel recut main is activated first, the step S82 is NO because the derived recut in-progress bit is OFF. If the information flag is A, it means that the recut was previously derived and started. When the correction re-cut is performed, the information flag is 2 because the previous cancellation re-cut main has been canceled.

In this step S82, the correction recut S
If there is no processing target in C, the processing is shifted to the recut SC. Here, the re-cut is derived and activated by the last modified re-cut, and the re-cut is performed after the re-cut is performed. If the account processing request can be settled, and there is no account date in the date check table beyond the account date of the recut, the process is shifted to the recut SC.

In step S83, when step S82 is entered first, among the account processing requests in the remaining shortage detail segment, the head account date which is the date closest to the present date among the dates in the date check table is set. As the target account date, an account processing request of “the priority is the first group ($ 9x), the target account date is within the recut deadline, unsettled, and undetermined” is read. If there is one or more account processing requests that satisfy this condition, the process moves to step S85.

On the other hand, if there is no corresponding account processing request, the target account date is shifted forward until the date in the date check table is exhausted, and the account processing request under the relevant condition is read (step S1). S84). here,
If the search for the previous date in the date check table has been completed and the next future date account date is not in the date check table, the process moves to recut SC.

If the processing is started in response to the last re-cut or modified re-cut, it is determined that the processing of step S83 is performed with the account date on which the balance has changed due to the re-cut as the target account date. Can reduce the number of processes required.

In step S83, if the account processing request of $ 9x has not been established on the target account date and the account processing request of $ 9x can be read from the remaining shortage statement, the account processing request read out for the target account date falls within the target account date. The highest priority account processing request is specified as the highest account processing request (step S85). This is because, for example, the account processing request is read from the remaining shortage statement, the contents of the account processing request with the highest priority so far are saved, and the priority is higher than the priority of the saved account processing request. The highest-ranked account processing may be specified by replacing the saved contents when the account processing request is read. The processing in steps S81 to S85 is referred to as a first group highest account processing request specifying function 138 in the example shown in FIG.

Subsequently, the highest account processing request specifying function 138 determines whether or not the withdrawal amount of the highest account processing request specified in step S85 is within the allowable amount (step S86). , Within the withdrawable amount,
The derived re-cutting bit is set to ON, the information flag is set to A (step S87), and the re-cutting of the account processing request is executed by the starting task as a derived transaction with the derived management flag (step S88). The recut activation in steps S86 to S88 is performed as shown in FIG.
In the example shown in FIG. 5, the first group recut activation function 140 is called.

In step S86, if the withdrawal amount of the highest-level account processing request exceeds the possible withdrawal amount, first, the highest-level account processing request is used by an account processing request having a lower priority than the priority of the highest-level account processing request. Is calculated as the corrected withdrawable amount (step S89, the corrected withdrawable amount calculation function 142). Next, it is determined whether or not the withdrawal amount of the highest-level account processing request is within the corrected withdrawable amount (step S90). Then, the information flag is set to A (step S91), and the start job is executed by the re-cutting of the highest-level account processing request as a derivative transaction with the derivative management flag (step S92).
The processing in steps S90 to S92 is referred to as a first group correction recut activation function 144.

If the withdrawal amount of the highest account processing request exceeds the corrected withdrawable amount at step S90, the account processing request is determined to have been determined and processed by the highest account processing specifying function 138. (Correction recut target search control function 146). In the example shown in FIG.
The processing moves to 83.

In step S83, of the account processing requests not determined in step S90, an account processing request that satisfies the condition of step S83 is read on the same target account date. The account processing request specified by this reading is:
The account processing request has the same priority as the account processing request determined in the previous step S90, or has the next lower priority. On the other hand, in step S83, when the target account date is not established within the recut deadline and there is no account processing request of $ 9x, that is, when the search on this target account date is completed, the target account date is changed to the next date. Move to If there is an account process that can be settled in the course of completing the entire search for the target account date, recut or correction recut is started, and the process returns to step S83 with that account date as the target account date. In this case, the account processing request that has been recut or corrected and recut last time or before has already been settled in the remaining shortage statement, and is not read in this step S83. Normally, when the highest rank is specified, the account processing having the next highest priority after the account processing request previously or previously recut is specified as the highest rank.

If the last account processing request is modified and re-cut on the last date, there is no account processing request satisfying the condition of step S83 in the remaining shortage statement, or the account processing request is re-entered via steps S90 and S84. Processing shifts to cut SC. If the last account processing request has been recut, the process proceeds to recut SC in step S82.

The processing shown in FIG.
Re-cut and modify account processing requests for a period such as three months
The recut can be satisfactorily processed. Also, once
Corrected recut or recut in forward recut SC126
Account processing request, during the spiral processing,
It is not canceled by the group cancellation SC122. this is,
In the modified recut, the information flag is set to A, while
In group 1 cancellation SC122, derivative recut is started and
If the information flag is other than 1 when the
This is because the first group cancellation in the future is not performed. like this
In addition, information flags are unnecessary
Plays a role in controlling so that no loops occur.

FIG. 31 shows the re-cut sub controller 12
8 is a flowchart illustrating a processing example of No. 8; In the example illustrated in FIG. 31, the process starts when there is no first-group re-cut or the first-group correct-re-cut SC that satisfies the condition of the first-group re-cut SC. First, it is determined whether or not the condition of “the derived recutting bit is ON, the information flag is 4, and the determination of all dates in the date check table is completed” is not satisfied. When the last (lowest priority) account processing request on the last target account date is recut in the last recut, all the cancellation recut determination processing is completed (step S110).

The bit which is started first and is being derived and recut (D
If bit) is off, or if the determination of whether or not all account processing requests can be recut has not been completed, the process proceeds to step S102. In the example illustrated in FIG. 31, the remaining shortage details that have not been determined in the unsettled transactions within the recut deadline are read from the remaining shortage detail segment (step S <b> 102).
Then, the read account processing request is specified as the highest account processing request (step S103, highest account processing request specifying function 148). On the other hand, when there is no corresponding remaining shortage statement, all the determinations of the cancellation re-cut main are ended. In step S102, the account processing is sequentially read out according to the data structure of the remaining shortage statement, and when the target account date of the account processing request changes, the account date is set as the target account date. With the modified recut SC126, all the remaining shortage of the future date of $ 9x has been determined, and there is no recut that can be recut. Then, within the range of 9x, they are read out in order of the accounting date and in order of priority (second priority). Therefore, it is not necessary to perform the highest-order search processing as performed in the modified recut SC126.

[0279] Subsequent to step S103, if automatic financing is set in the highest-level account processing request, re-cut derivation is set in the account processing request (step S10).
4 (automatic loan recut derivation setting function 150). In addition, if the output amount of the highest-level account processing request is within the allowable amount, the re-cut derivation is set in the highest-level account processing request (step S105, the allowable amount re-cut derivation setting function 152). ). Here, the setting of the recut derivation is to advance the process to step S106. However, it is preferable to add a recut derivation bit and to proceed to step S106 according to the presence or absence of the bit. When the recut derivation is set in this way, the starting task is caused to execute the recut of the highest-level account processing request as a derived transaction with the derivation management flag (step S107, recut start function 156). .

If the withdrawal amount of the highest account processing request exceeds the possible withdrawal amount in step S105, the account processing request is determined to have been determined, and the processing is returned to the highest account processing request specifying function (retry). Cut target search control function 15
4).

The configuration shown in FIG. 25 and the like can be realized as a part of the operation means 4 executing the cancel / recut main program. Such a cancellation / recut main program includes a command corresponding to each SC as a command for operating the arithmetic unit. Specifically, a date check table generation command M31 for calculating a possible withdrawal amount for each date of a transaction based on the balance statement segment each time the cancellation / recut main program is started;
A first-destination first-group cancellation command for controlling the cancellation of the account processing request when there is a withdrawal request of the first priority in the first group among the settled account processing requests stored in the remaining shortage detail segment. M32, and if there is no withdrawal request that has been settled at the prior date in the first group according to the future first group cancellation command M32, the possible withdrawal amount is referred to the date check table. When there is a negative account date, a negative-time cancellation command M33 that is established on the relevant account date and cancels the lowest account processing request among the account processing requests stored in the transaction statement segment is provided.

[0282] After the cancellation control in accordance with the first group first cancellation command M32 and the negative cancellation command M33 is completed, the cancellation re-cut main program further stores the remaining first and second shortage detail segments in the priority order of the first group. When the stored future-dated account processing requests are judged to be re-cuttable based on the possible sunrise deposit amount or the predetermined corrected withdrawable amount for each account in the descending order of priority, and the re-cut is possible. Has a modified re-cut command M3A for re-cutting the account processing request. In addition, after the completion of scanning of the recut target by the modified recut command M3A, the cancel recut main program gives priority to the withdrawal requests within the withdrawable amount in the first group and the second group. And a recut command M34 for recutting in the descending order.

Further, by providing each of the above commands with commands corresponding to the processing steps shown in FIGS. 27 to 31, more specific processing can be realized.

With the configuration shown in FIG. 25, by optimizing the settlement based on the priority as the repetition of the derived transaction, the future completion processing can be performed online without delaying the account processing by other online processing. Processing can be performed in parallel with the processing. For example, even if you do not set priorities for processes by other transactions in derivative transactions, etc., conventional batches such as account transfer etc. can be performed without affecting online response time due to regulations such as the maximum number of concurrent transactions. The account processing performed in the processing can be processed during the online processing.

FIGS. 32 to 38 are explanatory diagrams showing specific processing examples of the future date completion processing according to the present embodiment. In this example, it is a combination of account processing for explaining the future completion processing. Referring to FIG. 32, the transaction details segment has items such as an operation date, an account date, and a transaction. Accordingly, items of the recut time limit and the result in the remaining shortage detail segment are described. When you update a statement line segment instead of its original order,
The update given to the remaining shortage detail segment is also described.

In the serial number 001, 20,000 is paid out with the calculation date as one day and the two days ahead as the accounting date. Numbers from 0 to 13 in FIG. 32 are assigned to the left side of the calculation date item. This number is called a processing number. The transaction type of the serial number 001 is a withdrawal of electricity charges. The deduction of this electricity charge is described in the row of the processing number 1 and in the column of E. The column numbers are defined in the lower part of the figure (the row following the processing number 13). FIG. 33 shows a balance statement segment and a collateral statement segment showing the results of the transaction in FIG. 32, and the processing numbers are for the same processing.

[0287] First, how the account balance is changed by the above-mentioned cancellation re-cut main will be described. The initial balance of the day is 50,000 (0N in FIG. 33), the security period is 50,000, and the overdraft is 45,000. The calculated possible withdrawal amount is 95,000 (FIG. 33, 0P).
In this state, the process number 1, 3, 4
As shown in the above, the deduction of the electricity fee of serial number 001, the payment of the periodic deposit of serial number 003, and the periodic payment of the security number 004 are established. On the other hand, the repayment of the loan with serial number 002
2,2H) is exceedingly extreme. In other words, 108,000 of the loan repayment has not been completed due to the remaining shortage. This loan repayment is recorded in the remaining shortage statement (FIG. 32, 2G to 2G).
M).

Processing Nos. 5 to 9 are for ATM deposit 2 per day
When there is 0000, this is the processing result by starting the cancellation re-cut main as this payment as the original account processing. Balance 50,000 as of 1 day (Fig. 33,0
N), the overdraft limit is 45,000, and therefore, the calculated possible withdrawal amount is 95,000. The balance on the 2nd is -30,0
00 (FIG. 33, 4R), due to the extreme increase by the processing number 4, the overdraft is 54,000, and the withdrawable amount is 24,000.
0. As a withdrawal with 2 days as an account date, there are 20,000 electricity bills, 50,000 fixed term deposits, and 10,000 fixed term deposits.
There are 8,000.

At this time, ATM payments of 20,000 per day were made.
0 (FIG. 32, 5C). The daily balance is 50,000
Is added to 20,000 to obtain 70,000 (FIG. 33, 5N). The amount that can be paid per sunrise is 115,000
(FIG. 33, 5P). The two-day balance will also be increased by 20,000. 2 The amount of money available for sunrise is 44,000 (Fig. 3
3,5T), so there is a shortage of loans 1
08,000 is more than the amount that can be withdrawn and cannot be recut normally. The adjusted withdrawable amount is 124 based on the assumption that the electricity charge (serial number 001), the periodic deposit (serial number 003), and the collateral periodic deposit (004), which are settlement transactions whose priority is lower than the loan repayment priority, are cancelled. 000 (FIG. 33,
5U). Therefore, a re-cut of the loan repayment is performed. After the correction and re-cut, the possible amount of money for two sunrises becomes negative (6T in FIG. 33), and therefore, the transactions that have been settled in the future are canceled in the order of lower priority (electricity fee → secured time deposit → term deposit). As a result, the balance of 2 days-38,000,
Overdraft 45,000, possible withdrawal 7,000 (Figure 3
3,9T).

The processing numbers 10 to 13 are 50,0 per day.
This is an adjustment by cancellation re-cut main when there is a regular payment of 00. When the cancel / recut main is started, first, the presence / absence of $ 9x that has been established and stored in the remaining shortage is searched. Since the loan repayment is applicable, this is first canceled (FIG. 32, process number 11). The balance for the next two days is 5
Since it is 2,000 (12T in FIG. 33), the highest-priority fixed-term deposit of the account processing request that has been settled due to the remaining shortage is recut. 52,000 to 50,000
0 is reduced, and the possible amount of money for the second sunrise becomes 2,000 (FIG. 33, 13T). Since there is no other account processing request that can be recut, the cancel recut main ends the spiral processing.

In processing numbers 14 to 18 shown in FIG.
Cancellation by the first group of the future and correction re-cut are performed. In the processing numbers 19 to 25, after the first group is cancelled, re-cutting is performed according to the priority order. Here, 28,000 remittances on 2nd made it possible to re-cut the collateral periodic deposit and the electricity charge withdrawal (Figs. 34, 24).
E, 25E).

In processing numbers 26 to 30 shown in FIG. 36,
The daily balance 70,000 (no change from 5N in FIG. 33), the overdraft limit 90,000 (100 in FIG. 33), and therefore, the possible withdrawal amount 160,000 (FIG. 33, 10P), 2
The possible amount of sunrise money is 8,000 (Fig. 35, 25T). As a future withdrawal request with 2 days as the account date, loan repayment 10
8,000, fixed deposit 50,000, secured time deposit 1
There are 0000 and annual membership fee of 1,000. As the remaining shortage, there is an electric charge of 20,000. In this state, it is assumed that 120,000 ATM payments are made per day (FIG.
26E). The amount that can be paid per sunrise is 40,000 (Fig. 35,
26P) and the amount of money available for 2nd sunrise is -112,000
(FIG. 35, 26T). First, the loan repayment and the fixed-term deposit, which are the transactions settled in the future with the priority of $ 9x, are canceled in the order of the lower priority (processing 27, 28). 28P). For this reason, it seems that the re-cut of the periodic deposit withdrawal that is insufficient is not performed. However, the revised withdrawal amount is 67,000 (see FIG. 37, 28P) assuming that the withdrawal of the electricity bill and the annual membership fee, which are lower-priority transactions that are lower than the priority of the periodic deposit, is canceled. Correction and re-cut of the periodic deposit withdrawal. After re-cutting, the possible amount of money for the second sunrise is minus (Fig. 37, 29P),
Cancel postdated settlement of electricity charges. As a result, the balance on the two days minus 83,000 (FIG. 37, 30)
N), extreme overdraft 99000, withdrawable amount 16,000
Becomes

In the processing 31 shown in FIG. 36, there is a salary transfer with the third day as the accounting day. Withdrawable amount with 32 is 116,
000, the loan repayment that could not be settled in two days can be settled in three days (process 32).

[0294] In the processing numbers 33 to 38, the balance of two days-
83,000 (Fig. 37, 30N), extreme overdraft 99,00
0, so the possible withdrawal amount is 16,000. The possible amount of money for the three sunrises is 8,000 (32T in FIG. 37). 2
The account processing that has been completed with the day as the account date includes time deposit, secured time deposit, and annual membership fee of 1,000. As a transaction that has not been completed and the remaining shortage details have been stored, the electric charge is 20,0
00. The loan repayment of 108,000 has been settled with three days as an accounting date.

[0295] In this state, deposit 6 on two days a day
Assume that 2,000 has been performed. 2 Sunrise gold available amount is 78,
000 (FIG. 37, 33P), and the possible amount of money for three sunrises becomes 70,000. In the case of $ 9x, the target of cancellation of the first group of the completed remaining shortage is the regular deposit on the 2nd and the loan repayment on the 3rd. If this is canceled in the order of lower priority, the possible amount of money for the second sunrise becomes 128,00, so the loan repayment is cut again on two days. When re-cut, the possible amount of money for the second sunrise is 20,000 (P in FIG. 37, 36) and 120,000 on the third day.

Next, the regular deposit with a higher priority and within the recut deadline is cut again. As a result, the possible amount of money for the three sunrises becomes 70,000. After the re-cut of $ 9x is completed, since the possible amount of money for the second sunrise is 20,000, the re-cut of the future date after the deduction of the electricity fee is performed. 2 Sunrise possible amount is 0
(Fig. 37P) The amount of money available for 3 sunrise is 50,000 (Fig. 3
7, 38T). If the possible amount of money for the three sunrises becomes negative, the highest priority account processing among the three-day future transactions is canceled.

There is a date change between Steps 38 and 39. As a result of this date change, a transaction that has been completed with the second day as the account date has settlement completeness. That is, the security fixed payment (process 25), loan repayment (process 36), and electricity charge withdrawal (process 38) are determined. On the second day, the future-dated transaction is a regular deposit deposit with the third day as the account date (process 3).
7). In the processing 39, an attempt is made to process the debit of the credit amount, but the processing is not established due to insufficient remaining amount. If there is a shortage remaining due to the deduction of the credit amount, it is assumed that automatic financing by card loan is performed. If three days have passed and there is no payment by the time the automatic loan is executed, the automatic loan of a credit loan is executed (FIG. 38, 42E). At this time, the amount that is insufficient for the credit withdrawal is 80,000 for the possible sunrise amount of 50,000 for 3 sunrises.
000 is automatically financed (FIGS. 38 and 42F).
The credit amount is re-cut on the day, and the withdrawable amount on the third day becomes zero.

Next, the spiral control based on the cancellation / re-cut main will be described in detail with reference to the flowchart of each sub-controller. In the spiral control started by the process number 5, referring to FIG.
TM payment is executed in the interlocking operation S51 of the start-up process and the passive process. Then, in the cancellation / recut main, first, a date check table is created. The date is 1 day and 2 days, 1
The sunrise possible amount is 95,000, and the second day is 15,000. Since the D-bit flag is OFF and there is no information flag in the first group cancellation SC122 of the future date, it is checked in step S62 shown in FIG. 27 whether there is an object to be moved forward. At the completion of the processing number 5, since there is no $ 9x due to the remaining shortage of the settlement, the processing shifts to the minus cancellation SC. Corrected re-cut SC12 because there is no minus in the withdrawable amount or over payment
Proceed to 6. Referring to FIG. 30, since the D-bit flag is OFF, steps S81 and S82 are NO, and in step S83, unsettled, undetermined, future date, recut deadline, and $ 9x are read. Since the account balance is changed in one day, first, one day is read as the target account date. However, since there is no remaining shortage detail in which one day is within the recut deadline, the date check table is referred to in step S84. To shift the target account date to two days. Assuming that 2 days is the target account date, the loan repayment of serial number 002 is stored as the remaining shortage. Since there is no remaining shortage, this loan repayment of 108,000 is ranked highest (step S8).
5). 2 Since the possible amount of sunrise is 15,000, re-cutting cannot be performed with the possible amount of withdrawal (step S86).
When the corrected withdrawable amount is calculated, as described above,
000, the modified recut is derived and activated (step S92). At this time, the derived recutting bit = O
N and the information flag = A are passed to the startup processing S55 shown in FIG.

In the startup and passive interlocking process in step S55, the loan repaid is modified and recut, and the passive process updates the balance statement and starts the cancellation recut main. At this time, the derived recutting bit = ON and the information flag = A. When the date check table is created, the possible amount of money for the second sunrise is minus 64,000 (FIG. 33, 6T).
In the cancellation re-cut main, the answer is yes in step S61 of the first group cancellation processing of the previous date, and the process proceeds to the minus cancellation SC. Since the withdrawable amount is minus 64,000, the account processing request having the lowest priority (here, serial number 00
1) is specified (step S73 in FIG. 28), and S in FIG.
A request for cancellation is issued to the activation process shown in 53. The information flag at this time is 2. This spiral processing SPF2 is continued while the possible withdrawal amount is minus, and when the minus is eliminated, the re-cut and re-cut are examined. here,
Since there is no recuttable target, the spiral processing is completed. That is, the cancellation / recut main activated by the process number 9 in FIG. 32 reaches the synchronization point C16 without performing anything.

FIG. 29A shows the remaining insufficient detail segment at the end of process 9. A serial number 002 having a higher priority is established, and other processes are not available due to a shortage. Here, it is assumed that there are 50,000 periodic deposits (processing number 1
0). The balance does not increase, but the overdraft increases. As a result, it is determined that a change has occurred in the balance (payable amount), and the cancellation / recut main is activated. Cancel the loan repayment once at the first day cancellation SC of the first group. After that, re-cut S
When the highest ranking with 2 days as the accounting date is specified in C126,
Since the loan has been repaid, it is cut again (step S88). When the cancellation / recut main is activated again with the information flag = A, the corrected recut SC126
Let's search for the top trading again in two days. As shown in FIG. 29, since the priority of the self-oscillation serial number 002 is high, the transaction amount and the withdrawal amount are compared (step S86). Since re-cutting is possible, the regular deposit is re-cut (process number 13). By this re-cut, the cancel re-cut main is activated again. When the shortage of two days is searched for in step S83, the priority order of the security period and the electric charge is the second group, so that it is determined in step S83 that there is no account processing request. When it is determined whether or not there is a future transaction based on two days (whether there is a remaining shortage statement of the future date) (step S84), the last day of the date check table is two days, so three days There are no future future account dates. Therefore, the processing shifts to the recut SC (step S94)
3).

Referring to FIG. 31, although the derived recutting bit (D bit) is ON, the information flag is A, so the result is NO in step S101. When the account processing within the recut deadline is read from the remaining shortage, the serial number 004 on the 2nd
Is read. The deposit amount (payment amount from the deposit account) for the security period is 10,000, and the possible amount for two sunrise payments is 2,000 (step S105), so it cannot be cut again. Then, the process returns to step S102 to read the next remaining shortage statement. Here, the electricity charge of serial number 001 is read. Since the electricity charge is 20,000, it cannot be cut again. Again from step S105 to S1
The process returns to 02, but there is no next remaining shortage detail. Therefore, the determination of the cancellation / recut main is ended (step S110).

In the process 33 shown in FIG. 36, 62,000 have been paid with 2 days as the account date. For this reason, the cancellation / recut main is activated. First, the fixed deposit and the loan repayment are canceled by the spiral control SPF1 of the first group cancellation SC at a later date. The details of the remaining shortage at the end of the process 35 are shown in FIG. $ 9x loan repayment and fixed deposit payment, 9x electricity charges have not been established. On the other hand, collateral periodic deposit has been established.

[0303] For the processing number 33 or lower, the source account processing is 2
The day is the account date. For this reason, in the process shown in FIG. 30, first, an account processing request of $ 9x for the remaining unsettled unsettled $ 9x is searched for with the second day as the target account date. Both the repayment of the loan and the fixed deposit are within the re-cut deadline on the 2nd day of the target account. And the priority of loan repayment is high. Therefore, first, re-cut the loan repayment. When the cancel recut main is started in response to the completion of the recut, the modified recut SC is set to 2
Search for the remaining shortage with the day as the target account date. Here, the periodic deposit is specified as the highest order (step S8).
5). The re-cut is not possible because the amount of money available at 2nd sunrise is 20,000. Since the corrected withdrawable amount on the premise that the collateral period is canceled is 30,000, it is not possible to perform the re-cutting again. Therefore, the process returns to step S83.

In step S83, an unread target account processing request is searched for with the second day as the target account date, but cannot be found. Therefore, the target account date is shifted to the next future date in step S84. Referring to the date check table, there is a future transaction on the third day, and the withdrawable amount is 120,
000. When the account processing request that satisfies the condition of step S83 is searched from the remaining shortage detail segment with 3 days as the target account date, the recut deadline for the periodic deposit is the day before the next transfer, so 3 days is within the recut deadline. is there. Accordingly, the highest account processing request on the third day is a regular deposit payment.
Since re-cutting is possible, the regular deposit is re-cut with the account date being 3 days. This regular deposit is the last account processing request with the target date of 3 days.

When the cancellation re-cut main is started again by the completion of the re-cutting of the periodic deposit, the target account date of the immediately preceding process is three days. However, here, a date check table is created starting from two days, which is the target account date of the source account processing. In the modified recut SC, step S8
In 2, it is determined whether or not there is an account date that is ahead of the target account date, which is the three days for which the previous search was completed. Since there is no future transaction after 4 days, the processing is shifted to the recut SC. Further, even if the regular deposit is not the last account processing request in three days, the processing shifts to the recut SC via steps S83 and S84 assuming that there is no future account date.

[0306] In the recut SC, the recut is performed not on the basis of the account date (three days) of the periodic deposit that was recut immediately before but on the basis of two days that is the account date of the deposit (serial number 011) as the source account processing. judge. When the remaining shortage statement is read with two days as the target account date, the electricity charge is searched. Since the withdrawal amount of the electricity fee is equal to the amount that can be paid for two days, the electricity fee is cut again.

As described above, according to the present embodiment, even if the account processing is executed in an unpredictable order for some account dates, and even if the recut time limit is three months or the like, With the spiral control shown in FIG. 26 and the like, it is possible to perform the settlement reflecting the priority using the balance segment for each account date.

[0308]

[Second Embodiment] In the second embodiment, the settlement completion is set not by the date but by the time or the presence or absence of access, thereby enabling more flexible processing. Here, when the account processing by the account processing unit makes it impossible to settle an account processing request on the current day or the future date, the cancellation processing unit has a settlement completion on the account date on which the settlement is impossible. Of account settlement requests that have not been settled are canceled in the order of lower priority.

[0309] For example, the settlement completeness is determined on the day of the transfer at 19:
If 00 is set, cancellation and re-cutting are possible until 19:00 on the day of transfer. On the other hand, the settlement is completed immediately after 19:00. In this case, an account balance before 19:00 and an account balance after 19:00 may be provided. The cancellation may be possible until the account is accessed on the day.

[0310]

According to the present invention, since the present invention is constructed and functions as described above, the account processing unit issues an account processing request for an account date on the same day or a future date to the calculation date. Processing based on the information and managing the balance of each future account date, the account information to be referred to after the date change is created in advance, so various processes for a large number of accounts before and after the date change It is not necessary to process all at once, for example, there is no need to transfer utility bills etc. by night batch processing, and during the day or online processing with the account processing at the future date leveled in advance In other words, it is possible to process various transactions such as account transfer and interest payment in parallel with online processing such as depositing and withdrawing using a terminal such as an ATM, and therefore, a 24-hour continuous service is performed. It comes out to implement without enhancing the processing capability of the unit. Further, in the first group of inventions, when the account processing by the account processing unit makes it impossible to settle an account processing request on a future account date, the cancellation processing unit sets a plurality of In order to cancel low-priority account processing requests among the settled account processing requests in the order of the lowest priority, if the account balance is insufficient, the transaction at the future date is settled according to the predetermined priority. be able to. In the invention of the second group, the re-cut processing unit includes:
If the account processing by the account processing unit can settle an account processing request that has not been completed on the same date as the account date of the account process or on the future date, a plurality of account requests on the account date In order to process high-priority account processing requests among unsettled account processing requests in the order of high priority, even if the account balance is insufficient and then increases, a predetermined priority Payment can be made on the current day or on the future date according to the order. In the invention of the fourth group, since the processing according to the priority is performed in the cancellation of the account processing once established on the previous date and the re-cutting of the account processing that has not been completed, the processing is performed regardless of the actual order of the account processing. Instead, it is possible to provide an optimal settlement according to the balance at that time. Further, in the embodiment of the fourth group, since the modified re-cut using the above-mentioned modified withdrawable amount is performed, it is possible to replace the completed transaction with the uncompleted transaction. It is possible to provide reflected payments. As described above, in the present invention, it is possible to provide settlement using an account in parallel with the normal online processing, thereby being able to cope with 24-hour operation, and furthermore, with respect to settlement such as transfer using the account, Is insufficient, settlement can be made in accordance with a predetermined priority.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating an example of a data structure of a file used in the first embodiment and the like.

3A and 3B are explanatory diagrams illustrating an example of a future date completion process used in each embodiment. FIG. 3A is a diagram illustrating details of a transaction example, and FIG. 3B is an example of a date check table. FIG.

FIG. 4 is a flowchart illustrating a processing example according to the first embodiment.

FIGS. 5A and 5B are explanatory diagrams illustrating an operation example in the first embodiment.

FIG. 6 is a block diagram showing a configuration of a second embodiment of the present invention.

FIG. 7 is an explanatory diagram showing an example of a data structure of account information used in the second embodiment and the like.

FIG. 8 is a flowchart illustrating a processing example according to the second embodiment.

FIGS. 9A and 9B are explanatory diagrams showing an operation example in the second embodiment.

FIG. 10 is an explanatory diagram showing a configuration example of a third embodiment.

FIG. 11 is a block diagram showing a configuration for realizing each function shown in FIG. 10 using a transaction management technique.

FIG. 12 is a flowchart illustrating an example of a spiral process performed by the configuration illustrated in FIG. 11;

FIGS. 13A and 13B are explanatory diagrams showing an example of the operation of the third embodiment.

FIG. 14 is a block diagram illustrating a configuration example of a fourth embodiment of the present invention.

FIG. 15 is a block diagram illustrating a detailed configuration of a cancellation / recut main processing unit illustrated in FIG. 14;

16 is a block diagram showing a structure of a cancel / recut main or the like for realizing the spiral processing in the configuration shown in FIG. 4;

FIG. 17 is a flowchart illustrating an example of processing of cancellation / recut main illustrated in FIG. 15;

FIGS. 18A and 18B are explanatory diagrams illustrating an operation example in the fourth embodiment.

FIG. 19 is a block diagram showing a configuration of a first example (a specific example of the fourth embodiment) of the present invention.

FIG. 20 is an explanatory diagram showing an example of a database used in the configuration shown in FIG. 19;

FIG. 21 is a block diagram for explaining an external self-oscillation processing step.

FIG. 22 is a block diagram for explaining a process of internal self-oscillation.

23A and 23B are explanatory diagrams of an operation code table used in the present embodiment. FIG. 23A is a diagram illustrating an example including a program storage unit, and FIG. 23B is an example of an operation code table for each task. FIG.

FIG. 24 is an explanatory diagram showing a simplified example of an ordinary deposit operation code table.

FIG. 25 is a block diagram illustrating a detailed configuration of a cancellation / recut main processing unit according to the embodiment.

26 is a block diagram showing a structure of a cancel / recut main or the like in a case where a spiral process is realized by the configuration shown in FIG. 25;

FIG. 27 is a flowchart showing a processing example by the first date cancellation SC shown in FIG. 25;

FIG. 28 is a flowchart showing a processing example by the minus-time cancellation SC shown in FIG. 25;

FIGS. 29A and 29B are explanatory diagrams showing an example of a remaining / deficient detail segment used in the embodiment.

30 is a flowchart showing a processing example by the modified recut SC shown in FIG. 25.

FIG. 31 is a flowchart illustrating a processing example by the recut SC illustrated in FIG. 25;

FIG. 32 is an explanatory diagram showing an example of the future date completion process reflecting the priority order according to the embodiment, and is a diagram showing an example of a transaction detail segment with process numbers 0 to 13 and a remaining shortage detail segment.

FIG. 33 is an explanatory diagram showing balances and the like resulting from the transaction shown in FIG. 32;

FIG. 34 is a diagram showing transaction details segments and the like of process numbers 14 to 25, following FIG. 32;

FIG. 35 is an explanatory diagram showing a balance and the like resulting from the transaction shown in FIG. 34;

FIG. 36 is a diagram showing transaction details segments and the like of process numbers 26 to 38 subsequent to FIG. 34;

FIG. 37 is an explanatory diagram showing a balance and the like resulting from the transaction shown in FIG. 36;

FIG. 38A is a processing number 39 following FIG. 36;
It is a diagram showing a transaction statement segment from to 43,
FIG. 38B is an explanatory diagram showing the balance and the like resulting from the transaction shown in FIG.

[Explanation of symbols]

2 Receiving means 4 Computing means 6 File 8 Account processing unit (in the embodiment, a part of online computing means) 10 Cancellation processing unit 12 Transaction detail segment 14 Balance detail segment 16 Remaining shortage detail segment 24 Recut processing unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) // G07D 9/00 436 G07D 9/00 436B

Claims (36)

[Claims] 1. A receiving means for receiving an account processing request such as a transaction on an account date, an arithmetic means for calculating the account processing request received by the receiving means for each account date, and a result calculated by the arithmetic means. A file for recording as account information related to the possible withdrawal amount for each account date, etc., wherein the calculating means sends an account processing request on the same or a later date as to the calculation date for performing the calculation. An account processing unit that processes based on the account information of the account date, and, if the account processing by the account processing unit makes it impossible to settle the account processing request on the future date of the account, A post-done completion processing system, comprising: a cancellation processing unit for canceling a low-priority account processing request among a plurality of settled account processing requests in the low-priority order. 2. The file includes a transaction statement segment that records the account processing request processed as the account information in a processing order by the account processing unit as a transaction statement. Storing the account date of the account processing request and the order of priority of the account processing request with respect to other account processing requests; 2. The future completion processing system according to claim 1, further comprising a cancellation target specifying function of specifying the cancellation target account processing request by referring to a ranking. 3. The file includes a balance statement segment for storing a balance for each account date as the account information, and the cancellation processing unit includes a balance statement segment for each account processing performed by the account processing unit. A date check table generating function for calculating a possible withdrawal amount for each future date based on a future date, and, if there is an account date on which the withdrawable amount is negative, the account processing request settled on the account date 3. The post-done completion processing system according to claim 2, further comprising a negative-time cancellation control function for performing control to cancel until the withdrawable amount becomes positive in the order of lower priority. 4. Receiving means for receiving an account processing request such as a transaction on an account date, calculating means for calculating the account processing request received by the receiving means for each account date, and a result calculated by the calculating means. A method for performing account processing using the calculating means of the future completion processing system including a file for recording as account information related to the possible withdrawal amount and the like for each accounting day, An account processing request for processing an account processing request on the same or a later date as to the calculation date on which the calculation is performed by the means based on the account information of the account date; A cancellation necessity determination step for determining whether an account processing request on the account date of the date becomes unsettled, and if the cancellation necessity determination step determines that cancellation is necessary, the settlement is not possible On account date And a cancel processing control step of executing in the account processing step an account processing request for canceling a lower priority account processing request among the plurality of settled account processing requests in the lower priority order. The future date completion processing method to be used. 5. A receiving means for receiving an account processing request such as an account date transaction, an arithmetic means for calculating the account processing request received by the receiving means for each accounting day, and a result calculated by the arithmetic means. A file for a future completion processing for performing an account processing using the arithmetic means of the future completion processing system provided with a file for recording as account information related to the withdrawable amount and the like for each accounting day. Stored in a storage medium, wherein the program for completing the future date processing includes, as a command to operate the arithmetic means, an account processing request on the same day or a future date as to the arithmetic day on which the arithmetic means performs the arithmetic operation. An account processing command to be processed based on the account information on the account date, and whether the account processing corresponding to the account processing command will not be able to settle the account processing request on the future date of the account. And a low-priority account processing among a plurality of settled account processing requests on the account date on which the settlement becomes impossible if the cancellation necessity determination command determines that cancellation is necessary. A cancellation processing control command for executing an account processing request for canceling the request in the order of the lower priority using the account processing command. 6. A receiving means for receiving an account processing request such as an account date transaction, an arithmetic means for calculating the account processing request received by the receiving means for each accounting day, and a result calculated by the arithmetic means. A file for recording as account information related to the possible withdrawal amount for each accounting day, etc., wherein the arithmetic means sends an account processing request on the same or a later date as to the arithmetic date for performing the arithmetic. An account processing unit that processes based on the account information of the account date, and that the account processing by the account processing unit can settle an account processing request that was not completed on the same date as the account date of the account processing or on a future date. A re-cut processing unit for processing, in a higher priority order, a higher priority account processing request among a plurality of unsettled account processing requests on the account date at which the settlement is possible in the higher priority order. To Complete processing system with the other day that the butterflies. 7. The file includes a remaining shortage detail segment that records an unsettled account processing request that cannot be settled as the account information as a remaining shortage detail. The account date of the account processing request and the order of priority of the account processing request with respect to other account processing requests are recorded. 7. The future completion processing system according to claim 6, further comprising a recut target specifying function of specifying an account processing request to be recut by referring to the order. 8. The file includes a balance statement segment for recording the balance for each account day as the account information, wherein the recut processing unit executes the account statement segment every time the account processing is performed by the account processing unit. A date check table generation function for calculating a possible withdrawal amount for each account date after the account date of the account processing based on the account processing request, and a withdrawal request, which is an account processing request stored in the remaining shortage detail segment, in priority order. When a withdrawal request that is smaller than the withdrawable amount is found in comparison with the withdrawable amount in the order of the highest and the order of the account date, the withdrawal request is executed by the account processing unit as an account processing request. 8. The future completion processing system according to claim 7, further comprising a cut control function. 9. The system according to claim 1, wherein the remaining shortage detail segments are logically arranged in the order of the account date and the priority order within the account date using the account date as the first key and the priority as the second key, and 9. The post-done completion processing system according to claim 8, wherein the plus-time recut control function has a function of comparing with the payable amount in an order according to the data structure of the remaining shortage detail segment. 10. Receiving means for receiving an account processing request such as an account date transaction, calculating means for calculating the account processing request received by the receiving means for each accounting day, and a result calculated by the calculating means. A method for performing account processing using the calculating means of the future completion processing system including a file for recording as account information related to the possible withdrawal amount and the like for each accounting day, An account processing step of processing an account processing request on the account date that is the same day or a future date with respect to the calculation day on which the calculation is performed by the means based on the account information of the account day; A recut feasibility determination step of determining whether an account processing request that has not been completed on the same day as the account processing account date or a future date can be settled in the order of priority of the account processing request. And a re-cut processing control step of executing the re-cuttable account processing request in the account processing step when it is determined that the re-cut is possible in the re-cut permission determining step. Future date completion processing method. 11. A receiving means for receiving an account processing request such as a transaction on an account day, an arithmetic means for calculating the account processing request received by the receiving means for each account date, and a result calculated by the arithmetic means. A file for a future completion processing for performing an account processing using the arithmetic means of the future completion processing system provided with a file for recording as account information related to the withdrawable amount and the like for each accounting day. Stored in a storage medium, wherein the program for completing the future date processing includes, as a command to operate the arithmetic means, an account processing request on the same day or a future date as to the arithmetic day on which the arithmetic means performs the arithmetic operation. An account processing instruction to be processed based on the account information of the account date and an account processing in accordance with the account processing instruction, and the account processing corresponding to the account processing instruction date is not completed on the same date as the account processing date or a future date. A re-cut permission / non-permission determination command for determining whether the account processing request that has been settled can be settled in the order of priority of the account processing request, and when it is determined that re-cut is possible according to the re-cut permission / prohibition determination command A recut processing control command for executing the recuttable account processing request in the account processing step. 12. A resource status file that records the status of a resource that determines whether a business process request can be executed or not for a predetermined period of time, and an operation that processes each business process request based on information recorded in the resource status file. The resource status file, wherein the resource status file stores the resource status from the past to the present and future future dates at regular intervals, such as on a daily basis, and a business process request established in the past or the future date. A transaction detail segment that stores the business process requests with priorities of the business processes in the order of success, and an unsuccessful detail segment that stores business processes requests that have not been completed due to resource shortage with the priorities in the future. Executes the business processing request and records the business processing request in the transaction detail segment when the business processing request is satisfied; In the case, the business processing unit that records in the unsatisfied detail segment, and, if the resource becomes insufficient at a future date as a result of the processing by the business processing unit, the transaction detail segment within a period in which the shortage occurs A cancellation processing unit for sequentially canceling the business processing requests from the group of business processing requests recorded in the order of lower priority until the resource shortage is resolved, and as a result of the processing by the business processing unit, the resources increase on the current day or the future date In this case, the unsatisfied business processing requests are executed in the order of higher priority within the range of available resources that do not cause the resource shortage from the business processing group recorded in the unsatisfied detailed segment after the increased period. A future resource utilization optimizing system comprising a re-execution processing unit. 13. When the state of the resource is changed as a result of the execution of the business processing request, the arithmetic unit selects the highest priority among the future business processing requests recorded in the unsatisfied detail segment. An unsatisfied high-rank request specifying unit that specifies a high-ranked business process request as an unsatisfied high-rank request, and a priority of the unsatisfied high-rank request among the future-dated business process requests recorded in the transaction detail segment. A corrected available resource calculation unit that calculates a list or total amount of resources to be used as a corrected available resource according to a group of business processing requests having lower relative priorities; and Correction re-execution processing for executing the unsatisfied high-order request and requesting the cancellation processing unit to cancel a group of low-priority business processing requests when the resource is satisfied with available resources Resource use optimization processing system of claim 12, wherein further comprising and. 14. A resource status file that records the status of a resource that determines whether a business process request can be executed or not for a predetermined period of time, and an operation that processes each business process request based on information recorded in the resource status file. Means for executing operations on resources such as reservation or use of the resources as start-up work, and linking the running start-up business program group with a single transaction as a single transaction. A startup service processing unit that requests a unit, and executes a passive service such as update management of the resource status requested to be linked by the startup service processing unit, and when the resource status changes due to execution of the passive service. The specified cancellation / re-execution main program is executed by another derived transaction different from a single transaction in which the startup service and the passive service are linked. A passive business processing unit that is started as an application, and when the cancellation / re-execution main program is started as a derived transaction, cancellation or restart of the started business based on the state of resources managed by the passive business at the time of the start. The start-up processing unit determines whether or not execution is necessary and cancels or re-executes the start-up operation as another derivative transaction different from the cancellation and re-execution main program based on the determination result and the priority of each start-up operation. And a cancellation / re-execution main processing unit to be executed by the system. 15. The resource utilization optimization according to claim 14, wherein the cancellation / re-execution main processing unit has a function of starting the cancellation / re-execution main program after the synchronous transaction reaches a synchronization point. System. 16. When the cancellation or re-execution of the start-up business is started as a derived transaction, the cancellation / re-execution main processing unit sets a derivation management flag indicating the contents of the start-up business as the start-up business process and the start-up business processing unit. A flag passing control function for passing to a passive business process linked by the same, and the same type for the resource by referring to the derivation management flag when the cancellation / re-execution main program is started as a derived transaction from the passive business processing unit 16. The resource use optimization system according to claim 14, further comprising: a spiral processing control function for continuing the determination and execution until the target segment is exhausted from the resource status file. 17. The cancellation / re-execution main processing unit identifies, as a high-priority service, a startup service having the highest priority among startup services that have not been established when the resource status has changed due to execution of the passive service. A high-priority task specifying function, and a correction utilization that calculates a list or a total amount of resources used by a startup task group having a lower priority than the priority of the high-priority task among the established startup tasks as a modifiable resource. A possible resource calculation function, and a modification re-execution control function for re-executing the startup task that is the high-priority task if the resource requested by the high-priority task is available in the modified available resource. 17. The resource utilization optimizing system according to claim 14, comprising: 18. A resource status file in which the status of a resource that determines whether a business process request can be executed or not is recorded for a certain period of time at a future date, and an operation for processing each business process request based on information recorded in the resource status file. Means for executing an operation on a resource such as reservation or use of the resource as a start-up operation, and cooperating with the running start-up operation program group as a single transaction in a predetermined passive operation process. A startup service processing unit requesting a unit, and executing a passive service such as update management of the resource status requested to be linked by the startup service processing unit, and executing the passive service when the resource status changes. The specified cancellation / re-execution main program is executed by another derived transaction different from the single transaction in which the startup service and passive service are linked. The cancellation / re-execution main program executed by the computing means of the resource utilization optimizing system having a passive business processing unit started as an application, and stored in a storage medium, wherein the cancellation / re-execution main program is As a command for operating the arithmetic means, when the cancellation / re-execution main program is started as a derived transaction, cancellation or re-starting of the startup business based on the state of resources managed by the passive business at the time of the startup. A cancellation re-execution determination command for determining the necessity of execution, and a cancellation / re-execution main program for canceling or re-executing the startup service based on a determination result according to the cancellation re-execution determination command and the priority of each startup service. And a cancellation / re-execution main processing command to be executed by the startup business processing unit as another derived transaction different from the And a cancellation / re-execution main program. 19. A receiving means for receiving an account processing request such as a transaction on an account day, an arithmetic means for calculating the account processing request received by the receiving means for each account day, and a result calculated by the arithmetic means. A file for recording as account information relating to the possible withdrawal amount for each account date, etc., wherein the file stores the balance for each account day as the account information, and a processing order by the account processing unit. A transaction statement segment for storing the account processing request processed as described above in a transaction statement including an account date and a priority, and an account settlement request that cannot be settled and not completed is stored as a remaining shortage statement including an account date and a priority. And a balance shortage segment, wherein the calculating means sets an account processing request for requesting settlement of a withdrawal or a deposit using the balance for each of the account dates as a starting operation. A startup business processing unit that requests a predetermined passive business processing unit to interlock with the currently running startup business program group and a single transaction; and for each of the accounting dates requested to be linked by the startup business processing unit. The passive business such as withdrawal or deposit of the account balance is executed by using each of the segments, and when the balance details for each of the account dates change due to the execution of the passive business, the predetermined cancellation / recut main program is started. And a passive business processing unit that is started as another derived transaction different from a single transaction in which the passive business is linked, and when the cancellation / recut main program is started as a derived transaction, The necessity of canceling or re-cutting the start-up work is determined based on the state, and the Cancellation for causing the startup service processing unit to execute or cancel the startup service as another derivative transaction different from the cancellation / recut main program based on the fixed result and the priority of the account processing request to be each startup service. A re-cut main processing unit, wherein the cancellation re-cut main processing unit calculates a withdrawable amount for each account date based on the balance statement, and the withdrawable amount on the future date account date is minus. In the case where settlement is not possible, cancellation of causing the start-up business processing unit to execute, as a derivative transaction, cancellation of a low-priority account processing request among a plurality of settled account processing requests on the account date on which settlement is impossible Start-up control function, Calculates the withdrawable amount for each account date based on the balance statement, and allows for withdrawal on the day of the calculation date and time or the future date. Re-cut to determine whether or not each account processing request can be settled in descending order of priority among account processing requests that have not been completed on the current or future account date stored in the remaining shortage statement based on the amount An availability determination function, and a re-cut that causes the activation business processing unit to execute the re-cut of the account processing request as a derivative transaction when there is an unsatisfied account processing request determined to be settled by the re-cut availability determination function. A future-end completion processing system comprising an activation control function. 20. The high-priority job that identifies the highest-priority start-up operation among the start-up operations stored in the remaining shortage detail segment and that is an account processing request of the future date, as the high-priority operation. A business identification function, and the total amount of withdrawals used by a startup business group having a lower priority than the priority of the high-priority business among startup businesses stored in the transaction detail segment and completed at a future date. A corrected withdrawable amount calculation function for calculating as a corrected withdrawable amount on the account date, and the high-priority work stored in the remaining shortage details based on the corrected withdrawable amount on the future date account date. A function for determining whether or not the high-priority business can be settled by the modified recut possibility determination function for determining whether or not the account processing request can be settled; Recently with complete processing system according to claim 19, characterized in that a modified re-cut start control function to perform corrective recut loci processing request as a derivative transaction to the start business processing unit. 21. The cancellation / recut main processing unit sets a derivation management flag indicating the contents of the activation when the cancellation or recut of the activation operation is activated as a derivative transaction. A flag passing control function for passing to the passive business process linked by the re-cut start control with reference to the derivation management flag when the cancellation / recut main program is started as a derived transaction from the passive business processing unit 21. The future completion processing system according to claim 20, further comprising a spiral processing control function for continuing the function or the modified recut activation control function until the remaining shortage detail segment has no target remaining shortage detail. . 22. Receiving means for receiving an account processing request such as an account date transaction, calculating means for calculating the account processing request received by the receiving means for each accounting day, and a result calculated by the calculating means. A file for recording as account information related to the possible withdrawal amount for each of the account days, wherein the file contains the account information as the account information, a balance detail segment for storing the balance for each of the account days, and a processing order by the account processing unit. A transaction statement segment for storing the account processing request processed as described above in a transaction statement including an account date and a priority, and an account settlement request that cannot be settled and not completed is stored as a remaining shortage statement including an account date and a priority. A future completion processing method for performing account processing using the arithmetic means of the future completion processing system having a remaining shortage detail segment, wherein the balance statement A high-priority service specifying step of specifying, as a high-priority service, a startup service with the highest priority among startup services that are stored in the remaining shortage detail segment and are a post-dated account processing request when a change occurs in the segment; The sum of the withdrawal amounts used by the start-up business group having a lower priority than the priority of the high-priority business among the start-up businesses that are stored in the transaction detail segment and completed at a future date is calculated at the future date. Calculating a corrected withdrawable amount calculated as a corrected withdrawable amount; and an account processing request for the high-priority business stored in the remaining shortage statement based on the corrected withdrawable amount on the future date of the accounting date. A re-cuttable / non-possible decision step for determining whether or not the high-priority business can be settled in the re-cuttable / possible decision step. A modified re-cutting step for executing the cut as a derivative transaction in the start-up business processing unit; and in the modified re-cutting step, a possible withdrawal amount is calculated based on the balance detail segment at a future date, and the withdrawal is performed. If the possible amount becomes negative, cancel the account processing request until the withdrawable amount becomes positive in the order of lower priority among account processing requests stored in the transaction statement segment on the relevant account day After adjustment recut A future date completion processing method comprising a cancellation step. 23. Receiving means for receiving an account processing request such as a transaction on an account day, calculating means for calculating the account processing request received by the receiving means for each account day, and a result calculated by the calculating means. A file for recording as account information related to the possible withdrawal amount for each of the account dates, wherein the file contains, as the account information, a balance detail segment for storing a balance for each of the account days, and a processing order by the account processing unit. A transaction statement segment for storing the account processing request processed as described above in a transaction statement including an account date and a priority, and an account settlement request that cannot be settled and not completed is stored as a remaining shortage statement including an account date and a priority. A balance shortage segment, wherein the calculation means sets an account processing request for requesting settlement of withdrawal or deposit using the balance for each of the account dates as a start-up operation. A startup business processing unit that requests a predetermined passive business processing unit to interlock with the currently running startup business program group and a single transaction; and for each of the accounting dates requested to be linked by the startup business processing unit. The passive business such as withdrawal or deposit of the account balance is executed by using each of the segments, and when the balance details for each of the account dates change due to the execution of the passive business, the predetermined cancellation / recut main program is started. And a passive business processing unit that is started as another derived transaction different from a single transaction in which the passive business is linked, and when the cancellation / recut main program is started as a derived transaction, The necessity of canceling or re-cutting the start-up work is determined based on the state, and the Cancellation for causing the start-up business processing unit to execute or cancel the start-up business as another derived transaction different from the cancellation / re-cut main program based on the fixed result and the priority of the account processing request to be each start-up business. A cancellation recut main program for executing an account process using the arithmetic means of the future completion processing system having a recut main processing unit, the cancellation recut main program being stored in a recording medium; Is a command to operate the calculating means, calculates the withdrawable amount for each account date based on the balance statement, and when the withdrawable amount on the future date of the account becomes negative and the settlement becomes impossible, Canceling a low-priority account processing request among a plurality of settled account processing requests on the account date on which the settlement becomes impossible The cancellation start control command to be executed by the unit as a derivative transaction, and the withdrawable amount for each account date is calculated based on the balance statement, and based on the withdrawable amount on the calculation date / time or the future date. A recut availability determination command for determining whether or not each account processing request can be settled in the order of higher priority among account processing requests that have not been completed on the current day or the future account date stored in the remaining shortage statement, When there is an unsatisfied account processing request determined to be settled by the recut availability determination function, a recut activation control command for causing the activation business processing unit to execute the recut of the account processing request as a derived transaction. A cancellation / re-cut main program characterized by having: 24. A high-priority service specifying command for specifying a start service having the highest priority among start services stored in the remaining shortage detail segment and being a post-dated account processing request as a high-priority service, and the transaction detail segment. The sum of the withdrawal amounts used by the start-up work group having a lower priority than the priority of the high-priority work among the start-up work that has been completed at a later date can be corrected and withdrawn at the future date. The account processing request for the high-priority business stored in the remaining shortage statement can be settled based on the corrected withdrawable amount calculation command to be calculated as the amount and the corrected withdrawable amount on the future date of the accounting date. And a correction recut availability determination command for determining whether or not the high priority business is settled by the correction recut availability determination function. 24. The cancellation / recut main program according to claim 23, further comprising: a correction / recut start control command for causing the start operation processing unit to execute the derivative transaction as a derived transaction. 25. An external self-oscillation-related DB for managing data relating to settlement using a deposit account such as transfer or transfer, an internal self-assembly-related DB for managing data relating to deposits and withdrawals such as automatic funding and loan repayment, and settlement. Alternatively, a deposit master DB that manages data related to a deposit account used for depositing and withdrawing, and a center cut that responds to an account processing request with an automatic teller machine, an in-store terminal, and executes the depositing and withdrawing or settlement as an account processing request. The deposit master DB includes a balance statement segment for storing the balance for each account date, and the account processing request processed in the processing order by the account processing unit as a transaction statement. Include transaction details segment including ranking, and account settlement requests that cannot be settled and have not been completed, including account date and priority as remaining shortage details The on-line calculation means is the same date or future date of each account processing request in response to a request from the external self-oscillation-related DB, the internal self-oscillation-related DB, or the in-store terminal. Based on the balance statement segment for each account date, process the settlement or deposit / withdrawal account processing request, and request a predetermined passive business processing unit to link with the running startup business program group as a single transaction. A start-up business processing unit, and performing passive business such as withdrawal or deposit of the account balance for each account date requested by the start business processing unit in conjunction with each other by using each of the segments; If the balance statement changes, the specified cancellation / recut main program is executed in a single A passive business processing unit that is started as another derivative transaction different from the passive business processing unit, and calculates a possible withdrawal amount for each account date as a date check table based on the balance statement segment that is started by the passive business processing unit. And a cancel / recut main processing unit that starts cancellation or recut of one account process as a derived transaction based on the date check table generated together with the cancel process. The cancel / recut main processing unit starts as the cancel or recut. A spiral processing control function of passing a derivative management flag to the transaction to be executed and continuing the search for each segment based on the derivative management flag passed from the started transaction and the passive transaction. Date completion processing system. 26. The passive business processing unit sets an error in an account processing request in which the withdrawable amount becomes negative on the day, and sets a settlement completion permitting a negative withdrawable amount in a future date. It has a setting function, and the cancellation / re-cut main processing unit can withdraw if the possible withdrawal amount on the account date of the future date becomes negative as a result of processing the account processing request by the passive business processing unit. 26. The post-done completion processing system according to claim 25, further comprising a cancel activation control function for performing control of canceling a withdrawal request on a date when the amount becomes negative in order of lower priority. 27. The account processing request is defined by a number indicating that a smaller number has a higher priority, and a relative priority with respect to other account processing requests is defined for each account processing request. The processing request has a possibility that the re-cut deadline, which is the deadline for settlement or deposit / withdrawal, may be two or more days, and the first group has a higher priority, and the lower priority is lower than the first group and the re-cut deadline is one day. A second group, wherein the cancellation / recut main processing unit calculates a withdrawable amount for each date of a transaction based on the balance statement segment each time the main unit is activated by the spiral control. A check table generation sub-controller, and the spiral control is performed by the spiral control until there is no withdrawal request in the first group in the first group among account settlement requests settled stored in the remaining shortage statement segment. The future date first group cancellation sub-controller for canceling the account processing request and the future date first group cancellation sub-controller after the completion of the spiral control of the cancellation, the date check table is referred to and the possible withdrawal amount becomes negative. If there is a certain account date, the account processing request that is established on the account day and stored in the transaction statement segment is processed by the spiral control until the payable amount becomes positive in the order of lower priority. After each spiral control by the negative first cancellation subcontroller and the first group subcontroller and the negative cancellation subcontroller to be canceled is stored in the remaining shortage detail segment in the priority order of the first group. Account processing requests based on the future date of each account, based on the amount available for each account A re-cut sub-controller for re-cutting the account processing request by the spiral control until the possible withdrawal amount becomes negative or the scanning of the remaining shortage detail segment is completed; After the scanning of the target is completed, re-cutting the account processing requests by the spiral control in the order of higher priority of the withdrawal requests within the withdrawable amount according to the priority of the first group and the second group. 27. The future completion processing system according to claim 26, further comprising a sub-controller. 28. The deposit master DB includes a collateral statement segment serving as collateral for the deposit account, and the date check table generation sub-controller adds the collateral statement segment to the balance of the balance statement segment based on the collateral statement segment. 28. The post-done completion processing system according to claim 27, further comprising an extreme addition function of calculating an amount obtained by adding an extreme amount according to the amount as a withdrawable amount. 29. The derivation management flag indicates whether or not spiral processing is being performed due to repetition of the derivation transaction, and a dere-cutting in-progress bit, and whether or not cancellation or re-cut has been activated by processing in each sub-controller. The first date group cancellation sub-controller satisfies the condition that the derived flag is not set to 1 and the information flag is not 1 after the date check table is generated. If not, and if there is an account processing request in the remaining shortage detail segment that has been settled in the future and has the first priority, the derived recutting bit is set to ON and the information flag is set to 1. In addition, a step of causing the startup business processing unit to execute the cancellation of the account processing request as a derivative transaction with the derivative management flag attached. Recently with complete processing system of claim 28, wherein further comprising a group continuous cancellation control function. 30. The cancellation-at-minus sub-controller refers to the date check table, and if there is an account date on which the withdrawable amount is negative, turns on the derived recutting bit and sets the information flag. Set to 2 and cancel the account processing request of the withdrawal with the lowest priority among the account processing requests stored in the transaction statement segment that was established on the account date when the possible withdrawal amount became negative. 30. The negative date cancellation processing system according to claim 29, further comprising a minus-time cancellation control function for causing the start-up business processing unit to execute the derivation transaction with the derivation management flag. 31. When the minus cancellation sub-controller refers to the date check table, if there is a future date that exceeds a predetermined deposit upper limit, a derived recutting bit is turned on, and an information flag is set. Is set to 3, and an over-time cancellation control function is provided for causing the startup business processing unit to execute the cancellation of the account processing request of the deposit made on the future date account date as a derivative transaction with the derivative management flag. 31. The postdated completion processing system according to claim 30, wherein: 32. The account shortage date of each account processing request is set to a second order in descending order of priority with the first priority indicating the first or second group of priorities as a first key. 31. The post-done completion processing according to claim 30, wherein a data structure is read out in ascending order of the date of the account as a key, and in order of priority in the county as a third key, in descending order of the priority. system. 33. When the modified recut sub-controller does not satisfy the conditions for cancellation control in the first group cancel sub-controller and the negative cancellation sub-controller, a condition that “the derived re-cutting bit is ON and If the condition of "information flag is 4" is not satisfied, and the condition of "the derived re-cutting bit is ON and the information flag is A and the determination of all dates in the date check table is completed" is not satisfied, and Of the account processing requests in the shortage segment, the first date closest to the present date in the date check table is set as the target account date, and the priority is “first group, and the target account date is within the recut deadline. , Unsettled "account processing request, and if there is no corresponding account processing request, move the target account date until the date in the date check table is gone A first group of the account processing requests having the highest priority within the target account date among the account processing requests read for the target account date, which are identified as the highest account processing requests. The highest-level account processing request specifying function and the highest-level account processing request specified by the highest-level account processing request specifying function determine whether the withdrawal amount is within the withdrawable amount, and within the withdrawable amount If so, the first-group recut activation function for setting the information processing flag to ON, setting the information flag to A, and executing the re-cutting of the account processing request as the derived transaction with the derivation management flag in the starting operation. If the amount of money of the highest-level account processing request exceeds the amount that can be withdrawn, an account processing request with a lower priority than the priority of the highest-level account processing request Function to calculate the total amount of withdrawal to be used as the adjusted withdrawable amount, and if the withdrawal amount of the highest-level account processing request is within the adjusted withdrawable amount, the derivative re-cut A first group modified recut activation function for setting the middle bit to ON, setting the information flag to A, and causing the activation task to execute the recut of the highest-level account processing request as a derivative transaction with the derivative management flag, A correction recut target search control function that returns the processing to the highest-level account processing specifying function when the withdrawal amount of the higher-level account processing request exceeds the corrected withdrawable amount. 4. The method according to claim 3, wherein
2. The postdated completion processing system described in 2. 34. The re-cut sub-controller, if there is no remaining shortage or shortage statement that satisfies the condition of the first group re-cut or the first group correct re-cut in the modified re-cut sub-controller, ON, the information flag is 4 and the determination of all dates in the date check table is completed ", and the remaining shortage details segment has undetermined remaining shortage details in unsettled transactions within the recut deadline. The highest-level account processing request identification function for specifying the read account processing request as the highest-level account processing request, and the automatic processing of the account processing request when automatic financing is set for the highest-level account processing request. Automatic loan re-cut derivation setting function to set derivation of cuts, and processing of the highest-level account when the amount of the highest-level account processing request is within the allowable withdrawal amount Withdrawal amount setting function to set re-cut derivation for the request The recut target search control function that returns the process to the account processing request specifying function, and if the recut derivation is set, the recut of the highest account processing request is set as the derived transaction with the derivation management flag. 4. A re-cut start function to be executed by a start operation.
3. The postdated completion processing system described in 3. 35. An external self-oscillation-related DB for managing data relating to settlement using a deposit account such as transfer or transfer, an internal self-association-related DB for managing data relating to deposits and withdrawals such as automatic funding and loan repayment, and settlement. Alternatively, a deposit master DB that manages data relating to a deposit account used for depositing and withdrawing, and a center cut that responds to an account processing request with an automatic teller machine, a store terminal, etc., and executes the deposit and withdrawal or settlement as an account processing request. The deposit master DB includes a balance statement segment for storing the balance for each account date, and the account processing request processed in the processing order by the account processing unit as a transaction statement. Include transaction details segment including ranking, and account settlement requests that cannot be settled and have not been completed, including account date and priority as remaining shortage details The on-line calculation means is the same date or future date of each account processing request in response to a request from the external self-oscillation-related DB, the internal self-oscillation-related DB, or the in-store terminal. Based on the balance statement segment for each account date, process the settlement or deposit / withdrawal account processing request, and request a predetermined passive business processing unit to link with the running startup business program group as a single transaction. A start-up business processing unit, and performing passive business such as withdrawal or deposit of the account balance for each account date requested by the start business processing unit in conjunction with each other by using each of the segments; If the balance statement changes, the specified cancellation / recut main program is executed in a single Execution or cancellation of the account processing according to the state of each segment using the arithmetic means of the future completion processing system having a passive business processing unit started as another derivative transaction different from the transaction processing. Is a main program for canceling and re-cutting stored in a recording medium, wherein the main program for canceling and re-cutting is executed every time the main program for canceling and re-cutting is started as a command for operating the arithmetic means. The first group has a priority order of a first group among a date check table generation command for calculating a possible withdrawal amount for each date of a transaction based on the balance statement segment, and a settled account processing request stored in the remaining shortage statement segment. If there is a withdrawal request at a future date, a first group cancellation command at a future date for controlling to cancel the account processing request; The priority is first according to the date first group cancellation order
If there is no withdrawal request that has been settled on the previous date in the group, and if there is an account date with a negative withdrawable amount by referring to the date check table, A negative cancellation command for canceling the lowest account processing request among the account processing requests stored in the transaction statement segment, and after the completion of the cancellation control according to the preceding first group cancellation command and the negative cancellation command, the It is possible to re-cut the post-dated account processing requests stored in the remaining / deficient detail segment in the priority order of the first group on the basis of each account's possible sunrise amount or a predetermined corrected withdrawal amount in descending order of priority. A modified recut command for re-cutting the account processing request if it is possible to determine whether or not there is a recut, and scanning the recut target by the modified recut subcontroller After completion, a re-cut command for re-cutting withdrawal requests within the withdrawable amount in the order of priority of the first and second groups in descending order of priority. program. 36. Receiving means for receiving an account processing request such as a transaction on an account date, calculating means for calculating the account processing request received by the receiving means for each accounting day, and a result calculated by the calculating means. A file for recording as account information related to the possible withdrawal amount for each accounting day, etc., wherein the arithmetic means sends an account processing request on the same or a later date as to the arithmetic date for performing the arithmetic. An account processing unit that processes based on the account information on the account date, and an account date on which the account processing by this account processing unit cannot be settled if the account processing request on the current day or the future date is not possible And a cancellation processing unit for canceling a low-priority account processing request among a plurality of settled account processing requests having no settlement completion in the order of the low priority. Complete processing system.