JP2003044776A - Method and system for transferring money between bank accounts, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for transferring money between bank accounts by which the outstanding balance in a bank is known previously and funds can be moved rationally according to the balance. SOLUTION: A first step is for calculating deposit balances at a specific time in the future of the accounts of a plurality of utilizing banks and a fund concentrating bank before the specific time. A second step is for performing preparation for transferring a prescribed amount from the account of the fund concentrated bank is performed to the accounts of the using banks which is predicted to be short of deposit balances at the specific time by the first step, and preparation for transferring funds to the account of the fund concentrated bank from the accounts of the using banks which is predicted to have the deposit balances over prescribed amounts at the specific time.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of transferring funds between bank accounts by having a bank for concentration of funds in addition to a bank used for transactions.

[0002]

2. Description of the Related Art Conventionally, in addition to a plurality of transaction banks used for corporate transactions, a fund collection bank for collecting funds has been defined, and funds are exchanged with this concentration bank according to the balance of the transaction bank. Systems for interacting with are known. However, it is very difficult to check the balance at each bank, especially when the number of banks is large, and it is the current situation that funds are transferred to the account of the bank when the balance of the bank is actually low.

For example, the person in charge of each department informs the Treasury Department of the expected amount of deposits and withdrawals of funds by bank on the day before, and the person in charge of cash management of the Finance Department prepares a timetable for each current account of the bank on the day before the delivery date. , Check the final balance of all checking accounts. Then, on the day of delivery of funds, in addition to the final balance calculated on the previous day if there are additional funds deposits and withdrawals, the amount in millions of units to be transferred from the fund surplus account to the fund concentration bank and the bank lacking funds To a predetermined amount (for example, 1 million yen), the amount of money to be remitted is determined in units of million yen.

For surplus accounts with a large amount of funds remaining, a check or a handwritten transfer request form for the same account is created, brought to the store, and remitted to a fund concentration bank. For insufficient funds, create a check or handwritten transfer request form from a cash concentration bank, bring it to the store, and transfer the funds to the insufficient funds account.

[0005]

However, in such a conventional method, the remittance cost will be larger than the operating income even if the balance is 1 million yen or more, so if the amount is not considerably large. In many cases, the money is not transferred to the cash-concentrating bank and is left behind, so that the money left over is missed the opportunity to make a profit.

As described above, in the conventional transfer system,
The transfer was done ex post based on the bank's actual balance.

[0007] The present invention has been made in view of the above point of view, and provides a transfer method between bank accounts, a system and a program therefor capable of knowing a balance in a bank in advance and rationally transferring funds accordingly. The purpose is to provide.

[0008]

In order to achieve the above object, according to claim 1 of the present invention, the deposit balances of a plurality of used banks and cash concentration banks at a future specific time point are determined from the specific time point. The first step calculated previously, and the account of the bank in use, which is predicted to be in a state where the deposit balance becomes insufficient at the specific time point by the first step, is a predetermined amount from the account of the fund concentration bank. A second step of preparing for transfer of money, and preparing for transferring from an account of the using bank whose deposit balance is expected to exceed a predetermined amount at the specific time point to an account of the fund concentration bank. Provided is a method of transferring money between bank accounts.

According to claim 2 of the present invention, the first step of calculating the deposit balance at a future specific time point of the accounts of the plurality of using banks and the cash concentration bank, and the first step. In the account of the bank used, which is predicted to be in a state where the deposit balance will be insufficient at the specific time point by the step, a predetermined amount from the fund concentration bank account is set so that the balance at the specific time point is within a predetermined amount. Prepare for transfer, and from the account of the using bank where the deposit balance is expected to exceed a predetermined amount at the specific time, to the account of the fund concentration bank so that the balance at the specific time is within the predetermined amount. A second step of preparing for transfer, and a method of transferring between bank accounts.

According to claim 3 of the present invention, in the method for transferring between bank accounts according to claim 1 or 2, the method further comprises the step of executing the transfer prepared by the second step before the specific time point. It is characterized by

According to the fourth aspect of the present invention, the first step of calculating the deposit balances of the accounts of the plurality of used banks and the funds concentration bank on the specific date on the previous day, and the first step by the first step. For the bank account used, which is predicted to be in a state of insufficient deposit balance, prepare to transfer a predetermined amount from the fund concentration bank account, and the deposit balance exceeds the predetermined amount on the specific date. And a second step of preparing for transfer from the used bank account to the fund concentration bank account.

According to the fifth aspect of the present invention, the first step of calculating the deposit balances of the accounts of the plurality of used banks and the funds concentration bank at the specified date on the previous day, and the first step by the first step. For the account of the bank in use where it is predicted that the balance of the deposit will be insufficient, prepare to transfer the predetermined amount from the account of the fund concentration bank so that the balance at the specific date is within the predetermined amount. , Prepare to transfer to a fund concentration bank account so that the balance at the specified date will be within a predetermined amount from the account of the bank in use where the balance of the deposit is expected to exceed the predetermined amount on the specified date. And a second step, which provides a transfer method between bank accounts.

According to claim 6 of the present invention, in the method for transferring between bank accounts according to claim 4 or 5,
The method further comprises the step of executing the transfer prepared by the second step before the specific date.

According to claim 7 of the present invention, the first step of calculating the deposit balances of the accounts of the plurality of used banks and the funds concentration bank on the day of the fund transfer on the day before, and the transfer of the fund by the first step. In order to transfer a predetermined amount from the fund concentration bank account so that the balance on the day of delivery of funds will be within a certain amount, to the account of the using bank that is expected to be in a state where the deposit balance will be insufficient on a day Prepare and transfer from the account of the bank in use where the balance of the deposit is expected to exceed a predetermined amount on the day of delivery of the funds to the account of the bank for concentration of funds so that the balance on the day of delivery of the funds is within a certain amount. And a second step of preparing for the transfer.

According to claim 8 of the present invention, in the method for transferring between bank accounts according to claim 7, the method further comprises the step of executing the transfer prepared in the second step before the fund delivery date. Is characterized by.

According to claim 9 of the present invention, in the method for transferring between bank accounts according to any one of claims 1 to 8,
The transfer request form is prepared as a preparation for transferring a predetermined amount from the fund concentration bank account, and the check is prepared as a preparation for transferring to the fund concentration bank account.

According to the tenth aspect of the present invention, there is provided a first means for calculating the deposit balances of the accounts of a plurality of using banks and cash concentration banks at a future specific time point, and the first means. For the account of the bank used, which is predicted to be in a state in which the deposit balance will be insufficient at the specific time point by means, prepare for transferring a predetermined amount from the account of the cash concentration bank, and the deposit balance at the specific time point. And a second means for preparing to transfer from the account of the used bank, which is predicted to exceed a predetermined amount, to the account of the fund concentration bank, there is provided a transfer system between bank accounts. To do.

According to the eleventh aspect of the present invention, there is provided a first means for calculating the deposit balances of the accounts of the plurality of using banks and the cash concentration banks at a future specific point in time, and the first means. For the account of the bank used, which is predicted to be in a state of insufficient deposit balance at the specific time by means, a predetermined amount from the account of the fund concentration bank is set so that the balance at the specific time is within a predetermined amount. Prepare for transfer, and from the account of the using bank where the deposit balance is expected to exceed a predetermined amount at the specific time, to the account of the fund concentration bank so that the balance at the specific time is within the predetermined amount. And a second means for preparing for transfer, and a transfer system between bank accounts.

According to claim 12 of the present invention, claim 10
Or in the transfer system between bank accounts described in 11,
It is characterized by further comprising means for executing the transfer prepared by the second means before the specific time point.

According to a thirteenth aspect of the present invention, first means for calculating the deposit balances of the accounts of a plurality of used banks and fund concentration banks on the specified date on the previous day, and the first means for calculating the deposit balance on the specified date. For the bank account used, which is predicted to be in a state of insufficient deposit balance, prepare to transfer a predetermined amount from the fund concentration bank account, and the deposit balance exceeds the predetermined amount on the specific date. And a second means for preparing to transfer from the account of the used bank expected to be transferred to the account of the fund concentration bank, there is provided a transfer system between bank accounts.

According to claim 14 of the present invention, the first means for calculating the deposit balances of the accounts of the plurality of used banks and the fund concentration bank on the specified date on the previous day, and the first means for calculating the deposit balance on the specified date. For the account of the bank in use where it is predicted that the balance of the deposit will be insufficient, prepare to transfer the predetermined amount from the account of the fund concentration bank so that the balance at the specific date is within the predetermined amount. , Prepare to transfer to a fund concentration bank account so that the balance at the specified date will be within a predetermined amount from the account of the bank in use where the balance of the deposit is expected to exceed the predetermined amount on the specified date. And a second means for providing a transfer system between bank accounts.

According to Claim 15 of the present invention, Claim 13
Or in the transfer system between bank accounts described in 14,
It is characterized by further comprising means for executing the transfer prepared by the second means before the specific date.

According to claim 16 of the present invention, first means for calculating the balance of deposits of the accounts of a plurality of used banks and funds concentration banks on the day of the delivery of funds, and the delivery of the funds by the first means. In order to transfer a predetermined amount from the fund concentration bank account so that the balance on the day of delivery of funds will be within a certain amount, to the account of the using bank that is expected to be in a state where the deposit balance will be insufficient on a day Prepare and transfer from the account of the bank in use where the balance of the deposit is expected to exceed a predetermined amount on the day of delivery of the funds to the account of the bank for concentration of funds so that the balance on the day of delivery of the funds is within a certain amount. And a second means for making preparations for the purpose of providing a transfer system between bank accounts.

According to claim 17 of the present invention, claim 16
In the transfer system between bank accounts as described in [2] above,
It is characterized by further comprising means for executing the transfer prepared by the means before the delivery date of the fund.

According to Claim 18 of the present invention, Claim 10
In the transfer system between bank accounts according to any one of 1 to 17, in order to prepare a transfer of a predetermined amount from the fund concentration bank account, a transfer request form is created and transferred to the fund concentration bank account. The check is made as a preparation for.

[0026] According to a nineteenth aspect of the present invention, the program is a computer-usable program for causing a computer to realize the processing of the method for transferring between bank accounts according to any one of the first to ninth aspects. And provide the program.

According to a twentieth aspect of the present invention, there is provided a computer-usable program, comprising:
There is provided a program for causing a computer to realize the function of the transfer system between bank accounts according to any one of 8 above.

[0028]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. In the present invention, a computer is used to transfer funds between bank accounts.

FIG. 1 shows the flow of processing of one embodiment of the present invention.
Further, FIG. 2 shows a configuration example of this system.

In FIG. 2, the D company 21 selects the X bank 22 as the cash concentration bank, and the A bank 23a and the B bank 23 are selected.
b, S bank 23s, and T bank 23t are used as used banks. The computer of the company D 21 and the computer of each bank are connected to each other via a communication line.

Reference numeral 24 is a clearing house, which is the Bank of Japan 2
5 are bank A 23a, bank B 23b, bank S 23s, T
Checking accounts 25a, 2 of the banks 23t and X bank 22, respectively
5b, 25s, 25t, and 25x are provided.

First, the computer of the company D 21 determines in step S101 whether or not the day before the fund delivery date is reached, and when the day before the fund delivery date is reached, a message prompting the user to input the planned deposit / withdrawal amount is in charge of each department. Displayed on the person's terminal. The person in charge of each department of the company D 21 inputs the expected amount of deposit and withdrawal for the next day into the bank account for each customer by the input deadline using the terminal at hand (step S102). In addition, the person in charge of each department inputs the planned amount into the terminal by the day before the delivery date of the funds or by the deadline for input, and registers it in the database,
The computer of the company D 21 may read the planned amount from this database to input the planned amount.

When the input deadline time has passed, the computer of the company D 21 makes a trial calculation of the final balance at each bank on the day of the delivery date in step S103. Now, on the delivery date, the company D 21 gives +1 to the A bank 23a, the B bank 23b, the S bank 23s, and the T bank 23t, for example, as shown in FIG.
It is assumed that balances of 500,000 yen, +2.5 million yen, -175 million yen, and -1.5 million yen can be made.

Next, in step S104, the computer of the company D 21 checks, for each bank, whether or not the planned balance on the fund delivery date is insufficient, and if the planned balance is insufficient, the so-called "fill-in" in the system is performed. Do the operation.

In the above case, S bank 23s and T bank 23t
Because the final planned balance will be insufficient (negative) in the account of, the transfer from the bank X, which is a concentrated bank, to these banks in units of 1 million yen so that the balance is within 1 million yen in step S105. Is done. At this time, since the balance must be within 1 million yen, the transfer procedure of 2 million yen for Bank S and 2 million yen for Bank T will be prepared. S bank and T in FIG. 3 (b)
The checkered portion of the amount of money in the bank shows the above-mentioned amount of money. Further, FIG. 4 shows the amount of money remaining in the account of each bank as a result of this "filling" process.

In preparation for the transfer procedure, the computer of Company D 21 prepares, for example, a check issue list and a transfer request form, and a check transfer request form for the next day is created based on this check issue list. When the next day's fund delivery date arrives,
In step S106, the check transfer request form created above is sent to the X bank 22 which is the concentration bank in the morning, and
Remittance from the computer of the bank 22 to the bank with insufficient funds is performed via the communication line.

The check issuing list, the transfer request form, the check, etc. may be electronically written, and may be transmitted and received between the computer of the D company 21 and the computer of the X bank 22 via a communication line.

A printer that prints out a check issue list, a transfer request form, a check transfer request form, a check, etc.
It may be connected to the computer of the company 21 and incorporated into the system.

On the other hand, if it is determined in step S104 that the respective banks are not short of the planned balance, step S10 is performed.
7. Check if the account balance of the bank exceeds 1 million yen. If this balance exceeds 1 million yen, then in step S108, the so-called "drawing out", that is, X from the bank.
Prepare to transfer to the bank in units of 1 million yen.

For example, the above-mentioned A bank 23a and B bank 23
In the case of b, the balances of 1.5 million yen and 2.5 million yen will be left, so from A bank 23a to 1 million yen, B bank 23
Transfer from b to 2 million yen. In FIG. 3B, the shaded portions in the amounts of Bank A and Bank B indicate the amounts to be distributed.

The computer of the company D 21 creates a check issuing list for issuing checks for these bank accounts, and creates a check dated on the day before the fund delivery date based on this list.

By sending these checks to the X bank 22 on the day before the delivery date of the funds, the computer of the X bank 22 executes the transfer procedure (step S106). This procedure means that Company D 21 has brought in another ticket check. FIG. 5 shows the final balance on the day of delivery of funds at each bank after the above-mentioned “filling” and “drawing”.

On the day of delivery of the funds, a check for so-called exchange will be sent to the bank that issued the funds, so at that bank D
Withdraw the same amount from the corresponding account of company 21. On the other hand, according to the notification from the clearing house 24, the relevant account at the Bank of Japan 25 is transferred to the checking account.
As a result, the X-bank 22, which is a fund concentration bank, deposits funds into the checking account of D company 21 in the bank. As a result, the funds of all the accounts that have been transferred will be credited to the X bank 22 account.

By the way, in the above embodiment, the case where the transfer is made in units of 1 million yen has been described, but the unit amount of transfer in the present invention may be other than 1 million yen. Further, in the above-described embodiment, the balance of the delivery date of each bank is 1
Although the case has been described in which the amount is set to be within, 000,000 yen, the amount may be other than this amount in the present invention, and the amount does not have to be the same amount as the unit of transfer.

Further, the amount of the balance of the fund delivery date may be changed for each bank. In this way, it is possible to change the balance depending on the usage of the bank, and it is convenient to leave a relatively high amount for banks with large fluctuations in deposits and withdrawals. Furthermore, it is sufficient for each bank to have this balance to some extent, and it is not always necessary to check the balance amount on the day of delivery of the funds.

Further, in the above-described embodiment, the amount of money to be inspected in the account of each bank on the day of the fund delivery date is calculated on the day before the fund delivery date. It is acceptable if you know the approximate balance of the delivery date of each bank.

In the present invention, not only the fund delivery date, but generally, the balance at each bank on the day before the specific date may be calculated. Further, the present invention predicts the account balance at a specific point in the future at the previous point in time, and does not necessarily have to calculate the expected balance of the next day on the day before the specific date, and makes it within the predetermined amount range at the specific point. Alternatively, the transfer may be prepared.

Further, the processes of the computer of the D company 21 and the computer of the X bank 22 may be performed by pre-installing programs corresponding to their processing functions in the computer and executing the programs. Good.

[0049]

As described above, according to the present invention, there is provided a transfer method between bank accounts, a system and a program thereof, which can know the balance in a bank in advance and can rationally transfer funds accordingly. can do.

[Brief description of drawings]

FIG. 1 is a diagram illustrating a flow of processing according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an overall configuration of a system according to an embodiment of the present invention.

FIG. 3 is a diagram for explaining an example of a balance according to the embodiment of the present invention.

FIG. 4 is a diagram for explaining an example of a balance when a filling process is performed in the embodiment of the present invention.

FIG. 5 is a diagram for explaining an example of a balance when a payout process is performed in the embodiment of the present invention.

[Explanation of symbols]

21 ... Company D, 22 ... Bank X (financed bank),
23a ... Bank A, 23b ... Bank B, 23s ...
・ S Bank, 23t ... T Bank, 24 ... Clearing House, 25 ... Bank of Japan, 25a, 25b, 25s, 2
5t, 25x ... checking account.

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Tetsuya Suga             1-3-5 Yaesu, Chuo-ku, Tokyo Yamato             Securities SMBC Co., Ltd. (72) Inventor Tsutomu Tojo             2-6-4 Otemachi, Chiyoda-ku, Tokyo             Ceremony Company Daiwa Securities Group Head Office (72) Inventor Maki Yamanaka             2-6-4 Otemachi, Chiyoda-ku, Tokyo             Ceremony Company Daiwa Securities Group Head Office F-term (reference) 3E040 BA18 CA14 CA16 CB01 EA01

Claims (20)

[Claims] 1. A first step of calculating deposit balances of a plurality of used banks and cash concentration banks at a future specific time point before the particular time point, and a deposit balance at the specific time point by the first step. Is prepared to transfer a predetermined amount of money from the fund concentration bank account to the used bank account that is expected to be in a shortage state, and it is predicted that the deposit balance exceeds the predetermined amount at the specific time point. And a second step of preparing for transferring from the used bank account to the fund concentration bank account. 2. A first step of calculating deposit balances of a plurality of used banks and cash concentration banks at a future specific point in time, and a deposit balance at the specific point in time by the first step. Is prepared to transfer a predetermined amount from the fund concentration bank account so that the balance at the specific time is within a predetermined amount, Preparing to transfer to the account of the fund concentration bank so that the balance at the specified time is within the predetermined amount from the account of the using bank where the balance of the deposit is expected to exceed the predetermined amount at the specific time. And a step of transferring money between bank accounts. 3. The transfer method between bank accounts according to claim 1, further comprising a step of executing the transfer prepared by the second step before the specific time point. 4. A first step of calculating the deposit balances of a plurality of used banks and cash concentration banks on a specific date on the previous day, and a state where the deposit balances become insufficient on the specific date by the first step. To the account of the used bank that is predicted to be, prepare to transfer a predetermined amount from the account of the fund concentration bank, and the deposit bank of the used bank that is predicted to exceed the predetermined amount on the specific date. And a second step of preparing for transfer from the account to the account of the fund concentration bank, the transfer method between bank accounts. 5. A first step of calculating the deposit balances of a plurality of used banks and funds concentration bank accounts on a specific date on the previous day, and by the first step, a state where the deposit balance is insufficient on the specific date. The account of the bank to be used that is expected to be prepared to transfer a predetermined amount from the account of the fund concentration bank so that the balance at the specific date is within a predetermined amount, and the deposit balance on the specific date is A second step of preparing for transfer to an account of the fund concentration bank from an account of the used bank expected to exceed a predetermined amount so that the balance at the specific date falls within a predetermined amount. Transfer method between bank accounts characterized by. 6. The transfer method between bank accounts according to claim 4, further comprising a step of executing the transfer prepared by the second step before the specific date. 7. A first step of calculating the deposit balance on the day of delivery of funds of accounts of a plurality of used banks and cash concentration banks on the day before, and a state where the deposit balance is insufficient on the day of the delivery of funds by the first step. For the account of the bank to be used that is expected to become, the preparation for transferring a predetermined amount from the account of the fund concentration bank is made so that the balance on the date of the fund delivery is within a certain amount, and The second step is to prepare for transfer to the fund concentration bank account so that the balance at the fund delivery date is within a certain amount from the account of the using bank whose deposit balance is expected to exceed a predetermined amount. And a step of transferring money between bank accounts. 8. The transfer method between bank accounts according to claim 7, further comprising the step of executing the transfer prepared in the second step before the fund delivery date. 9. A transfer request form is prepared as a preparation for transferring a predetermined amount from the fund concentration bank account, and a check is prepared as a preparation for transferring to the fund concentration bank account. The method for transferring between bank accounts according to any one of claims 1 to 8. 10. A first means for calculating a deposit balance of a plurality of used banks and a fund concentration bank at a specific future time point before the specific time point, and a deposit balance at the specific time point by the first means. Is prepared to transfer a predetermined amount of money from the fund concentration bank account to the used bank account that is expected to be in a shortage state, and it is predicted that the deposit balance exceeds the predetermined amount at the specific time point. And a second means for preparing to transfer from the used bank account to the fund concentration bank account. 11. A first means for calculating a deposit balance of a plurality of used banks and a fund concentration bank at a future specific time point before the particular time point, and a deposit balance at the specific time point by the first means. Is prepared to transfer a predetermined amount from the fund concentration bank account so that the balance at the specific time is within a predetermined amount, Preparing to transfer to the account of the fund concentration bank so that the balance at the specified time is within the predetermined amount from the account of the using bank where the balance of the deposit is expected to exceed the predetermined amount at the specific time. A transfer system between bank accounts, which comprises: 12. The transfer system between bank accounts according to claim 10, further comprising means for executing the transfer prepared by the second means before the specific time point. 13. A first means for calculating the deposit balances of a plurality of used banks and funds concentration banks on a specific date on the previous day, and a state where the deposit balances become insufficient on the specific date by the first means. To the account of the used bank that is predicted to be, prepare to transfer a predetermined amount from the account of the fund concentration bank, and the deposit bank of the used bank that is predicted to exceed the predetermined amount on the specific date. A transfer system between bank accounts, comprising: a second means for preparing to transfer from the account to the account of the fund concentration bank. 14. A first means for calculating a deposit balance on a specific date of a plurality of used banks and a fund concentration bank on a specific date, and a state where the deposit balance is insufficient on the specific date by the first means. The account of the bank to be used that is expected to be prepared to transfer a predetermined amount from the account of the fund concentration bank so that the balance at the specific date is within a predetermined amount, and the deposit balance on the specific date is A second means for preparing to transfer to a fund concentration bank account so that the balance at the specified date is within a predetermined amount from an account of the used bank expected to exceed a predetermined amount. A transfer system between bank accounts characterized by. 15. The transfer system between bank accounts according to claim 13, further comprising means for executing the transfer prepared by the second means before the specific date. 16. The first method for calculating the balance of deposits on the day of delivery of funds of the accounts of a plurality of used banks and cash concentration banks on the previous day
And the means of the first means, the balance of the used bank, which is predicted to be in a state where the balance of the deposit is insufficient on the day of the delivery of the funds, is adjusted so that the balance on the day of the delivery of the funds is within a certain amount. Prepare to transfer a predetermined amount from the fund concentration bank account, and the balance on the fund delivery date is a fixed amount from the using bank account in which it is predicted that the deposit balance will exceed the predetermined amount on the fund delivery date. And a second means for preparing to transfer to the account of the fund concentration bank within the range. 17. The transfer system between bank accounts according to claim 16, further comprising a means for executing the transfer prepared by the second means before the fund delivery date. 18. The transfer request form is prepared as a preparation for transferring a predetermined amount of money from the fund concentration bank account, and the check is prepared as a preparation for transferring to the fund concentration bank account. The transfer system between bank accounts according to any one of claims 10 to 17. 19. A program usable by a computer, the program causing a computer to perform the processing of the method for transferring between bank accounts according to claim 1. Description: 20. A program usable by a computer, which causes a computer to realize the function of the transfer system between bank accounts according to any one of claims 10 to 18.