JP2005141356A - Device for managing excess at destination, and its method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent a transfer processing from being delayed by a limit on excess when using a device for managing excess at a destination, for a financial institution that limits an excess, i.e., a difference between an amount transferred and an amount received. <P>SOLUTION: A transfer data adding part 105, when receiving transfer data 104 through a communication line or the like, adds the received transfer data 104 to either one of queues 103-i. A transfer control part 106 calculates a difference between an excess 101 and a predetermined limit as an amount that can be transferred; if transfer data indicating an amount not greater than the amount that can be transferred exists at the head of queues 103-1 to 103-n, the transfer control part fetches the data, implements a transfer process, and adds the excess 101 by the current amount transferred. For the transfer data that indicates an amount not greater than the amount that can be transferred at the head of the queues 103-1 to 103-n, for example, the excess 101 is reduced by the amount received as a reception processing by a reception control part 108 proceeds, and when the amount that can be transferred exceeds the amount transferred that is indicated by the transfer data, it is processed. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

The present invention relates to an excess amount management apparatus and a method for a destination excess for a financial institution having a limit on an excess amount which is a difference between a remittance amount and a deposit amount.

Due to the development of information and communication technology, the transaction volume of electronic funds transactions between financial institutions has increased rapidly, but the environment surrounding financial institutions has become increasingly severe with the recent development of financial liberalization and internationalization. ing. Along with this, the risk in terms of funds settlement inherent in the settlement system has become so large that it cannot be ignored from the viewpoint of maintaining the stability of the entire financial system as well as the settlement system. Therefore, in the national bank data communication system (hereinafter abbreviated as the Zengin System), as a system to reduce risk, an excess amount of money (remittance amount (= withdrawal amount)-deposit amount) was set for each member bank. Introduces an excess amount management system that manages the amount not to exceed the limit.

An example of a transaction system for a financial institution with a limit on an excess amount, which is a difference between a remittance amount and a deposit amount, is described in Patent Document 1. As shown in FIG. 12, the transaction system described in Patent Document 1 includes a broker center 1003 connected to a plurality of bank hosts 1001 through a network 1002, and the broker center 1003 transmits and receives transaction messages to and from the bank host 1001. And a server 1006 including one or more distributed servers 1005. When receiving the transaction message from the bank host 1001, the relay device 1004 allocates the transaction message to one of the distributed servers 1005. When receiving the transaction message from the relay device 1004, the distributed server 1005 processes the transaction message in the order of reception. In the process, the distributed server 1005 checks whether the transaction amount (remittance amount) does not exceed the remittable amount that is the difference between the current excess amount and a predetermined limit amount. Allow the transaction.
JP 2000-348110 A

As described above, in the past, transaction messages were processed in the order received, that is, first-in, first-out, so if a transaction message exceeding the remittable amount that is the difference between the current excess amount and the limit amount is received, Until the possible amount reaches or exceeds the remittance amount of the transaction message, processing of the subsequent transaction message is not started, and there is a problem that the remittance processing is delayed due to the excess amount limitation.

An object of the present invention is to provide an overdue amount management apparatus and method for solving such a conventional problem by a simple method.

A first excess amount management apparatus according to the present invention is an excess amount management device for a financial institution having a limitation on an excess amount that is a difference between a remittance amount and a deposit amount. Remittance to be added to any one of the queues by inputting excess amount storage means for storing the excess amount, which is updated as appropriate according to fluctuations in the difference, a plurality of queues, and remittance data designating the remittance amount At the top of any one of the queues, the data addition means designates a remittance amount that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount Remittance control means for extracting remittance data and performing remittance processing when the remittance data exists.

A second excess amount management apparatus according to the present invention is an excess amount management device for a financial institution having a limitation on an excess amount that is a difference between a remittance amount and a deposit amount, and stores the excess amount. Amount storage means, a plurality of queues, and remittance data adding means for inputting remittance data designating a remittance amount and adding it to any one of the queues; at the top of any one of the queues, If there is remittance data specifying a remittance amount that does not exceed the remittable amount, which is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount, the remittance data is extracted and the remittance process is performed. And remittance control means for updating the excess amount, and deposit control means for inputting receipt data specifying a deposit amount, performing a deposit process, and updating the excess amount.

According to a third excess amount management apparatus of the present invention, in the second excess amount management apparatus, the plurality of queues correspond one-on-one to different amount ranges, and the remittance data adding means includes The input remittance data is added to the queue corresponding to an amount band that covers the remittance amount specified by the remittance data.

According to a fourth excess amount management device of the present invention, in the second excess amount management device, the remittance data adding means divides a plurality of remittance data into a plurality of amounts after sorting the remittance data, It is characterized by being distributed to a queue.

A fifth excess amount management device according to the present invention is an excess amount management device for a financial institution having a limitation on an excess amount that is a difference between a remittance amount and a deposit amount, and stores the excess amount. Enter the amount storage means, multiple queues corresponding to each different amount band, and remittance data specifying the remittance amount, and the input remittance data covers the remittance amount specified by the remittance data Remittance data adding means to be added to the queue corresponding to the amount of money to be sent, and the amount of money that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount If there is remittance data in the corresponding queue, the remittance data is extracted and remittance processing is performed, and the remittance control means for updating the excess amount, and input of remittance data specifying the deposit amount, The A deposit control means for updating the Utotomoni the excess amount, characterized in that it comprises a.

A sixth excess amount management apparatus according to the present invention is an excess amount management device for a financial institution having a limitation on an excess amount that is a difference between a remittance amount and a deposit amount, and stores the excess amount. Amount storage means, a plurality of queues, and a plurality of remittance data specifying a remittance amount are input, the input remittance data is sorted by the remittance amount, divided into a plurality of portions, and distributed to the plurality of queues The remittance data adding means and the remittance data that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount existed from the queue stored at the head. A remittance control means for taking out remittance data and performing remittance processing and updating the excess amount; and a remittance control means for inputting receipt data designating a deposit amount, performing deposit processing and updating the excess amount. And wherein the door.

A first excess amount management method of the present invention is a excess amount management method for a financial institution having a limitation on an excess amount which is a difference between a remittance amount and a deposit amount, and a) a remittance data adding means A step of inputting remittance data designating a remittance amount and adding the remittance data to any one of a plurality of queues; b) a remittance control means at the head of any one of the queues with the excess amount in advance A step in which when there is remittance data specifying a remittance amount that does not exceed a remittable amount that is a difference from a predetermined limit, the remittance data is extracted and the remittance process is performed.

The second excess amount management method according to the present invention is a excess amount management method for a financial institution having a limitation on an excess amount, which is a difference between a remittance amount and a deposit amount. A step of inputting remittance data designating a remittance amount and adding the remittance data to any one of a plurality of queues; b) a remittance control means at the head of any one of the queues with the excess amount in advance If there is remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference from the predetermined limit, the remittance data is taken out and remittance processing is performed, and the excess amount is updated, c The deposit control means includes a step of inputting deposit data specifying a deposit amount, performing deposit processing, and updating the excess amount.

According to a third excess amount management method of the present invention, in the second excess amount management method, the plurality of queues correspond one-to-one to different amount ranges, and the remittance data addition unit includes: The input remittance data is added to the queue corresponding to an amount band that covers the remittance amount specified by the remittance data.

The fourth excess amount management method according to the present invention is the second excess amount management method, wherein the remittance data adding means sorts a plurality of remittance data by the remittance amount and then divides the plurality of remittance data into a plurality of Distributing to queues.

The first program of the present invention inputs a remittance data specifying a remittance amount to a computer that constitutes a destination surplus managing device for a financial institution with a limit on the surplus amount that is the difference between the remittance amount and the deposit amount. And remittance data adding means for adding to any one of a plurality of queues, and an excess amount stored in excess amount storage means at a head of any one of the queues is predetermined. When there is remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference from the limit amount, the remittance data is made to function as a remittance control means that takes out the existing remittance data and performs remittance processing.

A second program of the present invention inputs a remittance data specifying a remittance amount to a computer that constitutes a destination surplus management device for a financial institution with a limit on the surplus amount that is the difference between the remittance amount and the deposit amount. And remittance data adding means for adding to any one of a plurality of queues, and an excess amount stored in excess amount storage means at a head of any one of the queues is predetermined. If there is remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference from the limit amount, remittance control means for taking out the existing remittance data and performing remittance processing and updating the excess amount, deposit amount It is made to function as a deposit control means for inputting the deposit data designating, performing deposit processing and updating the excess amount.

According to a third program of the present invention, in the second program, the plurality of queues correspond one-to-one to different amount ranges, and the remittance data adding means receives the input remittance data, It is added to the said queue corresponding to the money amount range which covers the remittance amount designated by remittance data, It is characterized by the above-mentioned.

A fourth program according to the present invention is characterized in that, in the second program, a plurality of remittance data is sorted by the remittance amount, and then divided into a plurality of parts and distributed to the plurality of queues.

With the excess amount management apparatus and method and program for destination according to the present invention, it is possible to prevent delays in remittance processing when a transaction message exceeding the remittable amount is received. The reason for this is that there are multiple queues for storing received remittance data, and the transaction message exceeding the remittable amount is held at the top of any of the queues. This is because if there is remittance data specifying a remittance amount that does not exceed the remittable amount at the head of the other queue, the existing remittance data is extracted and processed.

Referring to FIG. 1, an excess amount management apparatus 100 according to an embodiment of the present invention includes a storage unit 102 that stores an excess amount 101 that is a difference between a remittance amount and a deposit amount, and a plurality of queues 103-1. -10-n and the remittance data adding unit for inputting the remittance data 104 specifying the remittance amount, the destination bank, and the destination bank, and adding the remittance data 104 to any one of the queues 103-i (i = 1,..., N). 105 and remittance that designates a remittance amount that does not exceed the remittable amount that is the difference between the excess amount 101 stored in the storage unit 102 and a predetermined limit amount at the head of any one of the queues 103-i If the data exists, the remittance control unit 106 that takes out the remittance data that exists and performs remittance processing and updates the excess amount 101, and the remittance data 107 that specifies the deposit amount, the destination bank, and the destination bank are input. Deposit And a depositing controller 108 to update the excess amount 101 performs management.

The overdelivery amount management apparatus 100 according to the present embodiment configured as described above generally operates as follows.

When the remittance data 104 is received through a communication line or the like, the remittance data adding unit 105 adds the received remittance data 104 to any one queue 103-i. The remittance control unit 106 calculates the difference between the excess amount 101 and a predetermined limit as the remittable amount, and if there is remittance data equal to or less than the remittable amount at the head of the queues 103-1 to 103-n. It is taken out and remittance processing is performed, and the excess amount 101 is added by the current remittance amount. For remittance data at the top of the queues 103-1 to 103-n that is greater than or equal to the remittable amount, for example, the excess amount 101 is reduced by the deposit amount in accordance with the deposit process of the deposit control unit 108, and the remittable amount is It is waited until the amount of remittance data exceeds the remittance amount.

FIG. 2 is a schematic block diagram of a Zengin system as an example of a financial system to which the present invention is applied. In FIG. 2, reference numeral 200 denotes a system belonging to a certain financial institution, which includes a plurality of terminal devices 201 installed in a branch office and the like and a financial institution center (own center) 202 associated with the bank. The financial institution center 202 of the financial system 200 is connected to the Zengin Center 204 through the relay computer 203.

Based on the transfer or remittance request from the customer, the destination bank transmits a foreign exchange message from the branch terminal device 201 to its own financial institution center 202. The financial institution center 202 identifies whether it is addressed to its own bank or another bank, and in the case of a telegram addressed to another bank, after performing related processing such as record keeping, it transmits it to the Zengin Center 204 via the relay computer 203. The Zengin Center 204 performs various checks on the received message and returns an error to the destination bank if an error is found. If the electronic message is normal, the related processing such as record keeping is performed, and the electronic message is sent to the financial institution center 202 of the destination bank via the relay computer 203. The financial institution center 202 of the destination bank performs destination processing such as deposit processing and sends a message to the corresponding branch.

The excess amount management apparatus 100 according to the present embodiment can be applied to the financial institution center 202, for example. In this case, the financial institution center 202 temporarily stores the message addressed to the other bank received from the terminal device 201 in the queues 103-1 to 103-n by the remittance data adding unit 105, and checks the excess amount by the remittance control unit 106. After confirming that the amount is less than or equal to the remittable amount, it is transmitted to the Zengin Center 204 via the relay computer 203. Also, the excess amount 101 is added by the remittance amount. On the other hand, when a message is received from the Zengin Center 204, the excess amount 101 is reduced by the deposit amount as part of the destination process such as the deposit process.

The overdue amount management apparatus 100 of the present embodiment can also be applied to the Zengin Center 204. In this case, when the Zengin Center 204 receives a message from the financial institution center 202 via the relay computer 203, as a part of various checks, the Zengin Center 204 uses the excess amount 101 of the destination bank and the limit set for the destination bank. A check is made based on the calculated remittable amount, and if it is less than the remittable amount, it is permitted, otherwise it is returned to the destination bank. If the message is accepted normally, the excess amount 101 of the destination bank is added as part of related processing such as record keeping, the excess amount 101 of the destination bank is subtracted, and relayed to the financial institution center 202 of the destination bank. A message is sent via the computer 203. As described above, when the surplus management apparatus 100 of the present embodiment is applied to a so-called brokerage center such as the Zengin Center 204, the surplus 101 for each financial institution is held in the storage unit 102, and the deposit control unit 108 The function is integrated into the remittance control unit 106.

Next, embodiments of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 3, an excess amount management apparatus 300 according to the first embodiment of the present invention is provided in the financial institution center 202 of FIG. 2, and includes a reception control unit 2, a transmission control unit 4, and an input control unit 10. And each storage means of the storage area 3 and the storage area 5 is connected to output devices 1 and 9 such as a communication line and input devices 6 and 8 such as a communication line.

The storage area 5 stores and stores a plurality of queues (1) to (n) that correspond one-to-one with different money amounts, and correspondence information 51 that indicates the correspondence between each queue and the money amount. Area 3 stores the excess amount of the bank.

The input control unit 10 includes a queue addition unit 7, the transmission control unit 4 includes a queue deletion unit 41, an excess amount calculation unit 42, and a transmission unit 43, and the reception control unit 2 calculates an excess amount. Means 21 is included. Each of these means generally operates as follows.

The queue adding means 7 sends the remittance data input from the input device 6 to an amount band that covers the remittance specified by the remittance data among the plurality of queues (1) to (n) in the storage area 5. Add to the queue corresponding to. For example, the correspondence information 51 indicates that the queue (1) is 100 million yen or more, and the queue (2) is 1 million yen or more and less than 100 million yen. If the amount is 2 million yen, the queue addition means 7 adds remittance data to the queue (2) (1 million yen to less than 100 million yen) that covers the remittance amount of 2 million yen.

The queue deletion means 41 refers to the excess amount in the storage area 3, calculates the amount of money that can be remittance from a predetermined limit amount for its own bank, and remittance data below the amount that can be remittance is stored at the top. The remittance data is taken out from the queue, and the taken out remittance data is deleted from the queue. The excess amount calculation means 42 updates the amount of remittance data retrieved by the queue deletion means 41 by adding it to the excess amount in the storage area 3, and the transmission means 43 transmits the remittance data by the output device 9.

The excess amount calculation means 21 subtracts the amount of the receipt data received from the input device 8 from the excess amount in the storage area 3 and updates it. Thereafter, the deposit data is output by the output device 1.

Next, the overall operation of this embodiment will be described in detail with reference to FIGS.

When remittance data addressed to another bank is input from the branch terminal through the input device 6 such as a communication device, the input control unit 10 executes the processing shown in FIG. The remittance data addressed to another bank is a foreign exchange message, and includes information indicating the destination bank of the message, information indicating the destination bank of the message destination, and information indicating the amount of exchange transaction (remittance amount). The input control unit 10 first waits corresponding to the remittance amount by the queue adding means 7 based on the remittance amount of the input remittance data and the monetary amount range of each of the queues (1) to (n). A matrix is selected (step A1 in FIG. 4). Then, remittance data is added to the selected queue (step A2).

The transmission control unit 4 repeatedly executes the process shown in FIG. 5 at regular intervals, for example. First, an excess amount is acquired from the storage area 3 by the queue deletion means 41 (step B1), and a remittable amount is calculated from this and a predetermined excess limit amount (limit amount) (step B2). Next, in order from the queue (1), a queue in which remittance data equal to or less than the remittable amount is stored is retrieved (steps B3 to B5, B9, B10), and remittance data is extracted from the retrieved queue. Then, the retrieved remittance data is deleted from the original queue (step B6). Next, the excess amount is updated by adding the remittance amount indicated by the extracted remittance data to the excess amount in the storage area 3 by the excess amount calculating means 42 (step B7). Finally, the extracted remittance data is output to the Zengin Center via the relay computer or the like by the transmission means 43 to the output device 9 such as a communication device (step B8).

On the other hand, when the deposit data to the bank is input from the Zengin Center through the input device 8 such as a communication device, the reception control unit 2 causes the excess amount calculation means 21 to exceed the storage area 3 as shown in FIG. The deposit amount indicated by the deposit data is subtracted from the amount to update the excess amount in the storage area 3 (step C1). The deposit data is an exchange message, and includes information indicating the destination bank of the message transmission source, information indicating the destination bank of the message transmission destination, and information indicating the exchange transaction amount (deposit amount).

Next, a specific example will be described. As shown in FIG. 7, each queue (1) to (4) is assigned a monetary range as shown, and the excess limit amount of the bank is 100,000 yen. If the excess amount is 90,000 yen at a certain point in time, 90,000 yen is stored in the excess amount in the storage area 3. In this situation, when remittance data (5,000 yen remittance) is input, it is added to the corresponding queue (2) (steps A1 and A2).

The transmission control unit 4 calculates the remittable amount as 10,000 yen from the excess amount and the excess limit amount in the storage area 3 (steps B1 and B2), and takes out remittance data 5,000 yen from the queue (2) below the remittable amount. Then, the retrieved remittance data is deleted from the queue (2) (steps B5 and B6). Next, the remittance data amount of 5,000 yen is added to the excess amount in the storage area 3, and the value of the excess amount is updated to 95,000 yen (step B7). Then, remittance data is output.

On the other hand, when the receipt information (payment amount 3,000 yen) is input, the reception control unit 2 subtracts the amount of the receipt information from the excess amount in the storage area 3 and updates the value of the excess amount (step C1).

The above specific example is a case where remittance data is input in a single shot, but the same operation is performed when a large amount of remittance data is input continuously or stored in a file or the like. That is, for each remittance data, a queue is selected based on the remittance amount and added to the selected queue.

As described above, according to the first embodiment, it is possible to shorten the time required for transmitting remittance data. The reason is that the remittance waiting time due to the excess amount limitation can be reduced by managing the remittance data in a queue according to the amount range, and searching and transmitting the remittance data within the excess amount limitation.

Referring to FIG. 8, the excess amount management apparatus 400 according to the second embodiment of the present invention includes a plurality of excess amount management apparatuses 300 according to the first embodiment shown in FIG. The queues (1) to (n) are different from each other in that the queues (1) to (n) are not associated in advance with the amount of money, and the input control unit 10 and the transmission control unit 4 are partially different.

When the remittance data alignment means 71 of the input control unit 10 receives a plurality of remittance data collectively through the input device 6 such as a communication line, the remittance data is sorted by remittance amount as a key, and the remittance data is sorted in order of remittance amount. Align. The queue adding means 72 receives a plurality of remittance data arranged in order of remittance amount from the remittance data aligning means 71, divides them into a plurality, and distributes them to each queue in the storage area 5 almost equally.

The queue deletion means 44 of the transmission control unit 4 calculates a remittable amount from the excess amount in the storage area 3 and a predetermined excess limit amount, and stores it at the head of each queue (1) to (n). The remittance data whose remittance amount is less than or equal to the remittable amount is taken out and deleted from the original queue.

Next, the overall operation of this embodiment will be described in detail with reference to the flowcharts of FIGS.

When the input control unit 10 receives a plurality of remittance data in a lump, the remittance data alignment unit 71 arranges these remittance data by remittance amount (step D1). Next, the queue transfer means 72 divides the sorted remittance data into the same number (n) of groups as the queue from the top (step D2), and divides each divided group of deposit data into each queue (1 ) To (n) (step D3).

The transmission control unit 4 repeatedly executes the process of FIG. 10 at regular intervals, for example. During the process of FIG. 10, since steps other than steps E4 and E5 are the same as those in FIG. 5 which is the operation flowchart of the first embodiment shown in FIG.

In step E4, it is checked whether there is remittance data in the selected queue. If there is no remittance data, check the next queue. If there is remittance data, the process proceeds to step E5. In step E5, it is checked whether the remittance amount of the remittance data at the head of the selected queue is equal to or less than the remittable amount. If it is larger than the remittable amount, the next queue is checked, and if it is less than the remittable amount, the process proceeds to step B6.

Next, a specific example will be described. Assume that the remittance data input in a batch is eight cases of 1,000 yen, 2,000, 3,000 yen, ..., 8,000 yen, and there are four queues (1) to (4). Except for Step D1, Step D2, Step D3, and Step E5, the detailed description is omitted because it is the same as FIG. 7 showing the specific example of Embodiment 1 shown in FIG.

In this embodiment, as shown in FIG. 11, the remittance data is arranged in descending order using the remittance amount as a key (step D1). Next, the sorted remittance data is divided into four groups in the same order as the number of queues from the top (step D2). Then, each group is registered in each queue (step D3).

Remit money from queue (1) that is less than or equal to the remittance amount by comparing the excess limit amount and the remittance amount calculated from the excess amount with the remittance amount of the first remittance data in each queue (1) to (4) Data is taken out and deleted from the original queue (steps E5, B6).

In addition, when one remittance data is input by one shot, the input control part 10 sends remittance using methods, such as adding to the queue next to the queue which input the remittance data input by the last single shot, for example. Add data to any one queue.

Although the embodiments and examples of the present invention have been described above, the present invention is not limited to the above examples, and various other additions and modifications can be made. In addition, the surplus amount management apparatus of the present invention can be realized by a computer and a program as well as by hardware as well as the functions it has. The program is provided by being recorded on a computer-readable recording medium such as a magnetic disk or a semiconductor memory, and is read by the computer at the time of starting up the computer, etc. And it is made to function as the excess amount management apparatus in the embodiment. That is, in the embodiment of FIG. 1, it functions as the remittance data adding unit 105, the remittance control unit 106, and the deposit control unit 108. In the embodiment of FIGS. It is made to function as each function means of the transmission control part 4 and the input control part 10.

As described above, the surplus amount management apparatus and method of the present invention are useful as a surplus amount management apparatus for a financial institution with a limit on the surplus that is the difference between the remittance amount and the deposit amount. It is suitable for use in the management of excess amount at its own center provided for each financial institution of the Zengin System.

It is a block diagram of the overdelivery amount management apparatus concerning embodiment of this invention. It is a schematic block diagram of the Zengin system as an example of the financial system to which this invention is applied. It is a block diagram of the overdelivery amount management apparatus concerning Example 1 of this invention. It is a flowchart which shows the process example of the input control part in the excess amount management apparatus for destinations concerning Example 1 of this invention. It is a flowchart which shows the example of a process of the transmission control part in the amount surplus management apparatus concerning Example 1 of this invention. It is a flowchart which shows the process example of the reception control part in the amount surplus management apparatus concerning Example 1 of this invention. It is a specific operation explanatory view of the excess amount management device according to Embodiment 1 of the present invention. It is a block diagram of the overdelivery amount management apparatus concerning Example 2 of this invention. It is a flowchart which shows the process example of the input control part in the excess amount management apparatus for destinations concerning Example 2 of this invention. It is a flowchart which shows the process example of the transmission control part in the surplus amount management apparatus concerning Example 2 of this invention. It is a specific operation explanatory view of the excess amount management device according to Embodiment 2 of the present invention. It is a block diagram of the prior art example of the transaction system for the financial institution with a restriction | limiting in the excess which is the difference of a remittance amount and a deposit amount.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Destination excess amount management apparatus 101 ... Excess amount 102 ... Memory | storage part 103-1-103-n ... Queue 104 ... Remittance data 105 ... Remittance data addition part 106 ... Remittance control part 107 ... Deposit data 108 ... Deposit control part

Claims (14)

An overdue amount management device for a financial institution with a limit on the excess amount that is the difference between the remittance amount and the deposit amount,
Excess amount storage means for storing the excess amount, which is updated as appropriate in accordance with a change in the difference between the remittance amount and the deposit amount;
Multiple queues,
Remittance data addition means for inputting remittance data specifying a remittance amount and adding it to any one of the queues;
Remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount exists at the head of any one of the queues. A remittance control means for retrieving the existing remittance data and performing a remittance process;
An overdue amount management apparatus characterized by comprising: An overdue amount management device for a financial institution with a limit on the excess amount that is the difference between the remittance amount and the deposit amount,
Excess amount storage means for storing the excess amount;
Multiple queues,
Remittance data addition means for inputting remittance data specifying a remittance amount and adding it to any one of the queues;
Remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount exists at the head of any one of the queues. A remittance control means for taking out the existing remittance data and performing remittance processing and updating the excess amount;
A deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount;
An overdue amount management apparatus characterized by comprising:   The plurality of queues correspond one-to-one to different amount ranges, and the remittance data adding means corresponds to the amount range that covers the amount of remittance specified by the remittance data. 3. The excess amount management device according to claim 2, wherein the excess amount management device is added to the queue.   The excess remittance amount managing device according to claim 2, wherein the remittance data adding means divides a plurality of remittance data according to the remittance amount, and then divides the remittance data into a plurality of queues and distributes them to the plurality of queues. . An overdue amount management device for a financial institution with a limit on the excess amount that is the difference between the remittance amount and the deposit amount,
Excess amount storage means for storing the excess amount;
Multiple queues, each corresponding to a different monetary range,
Remittance data adding means for inputting remittance data specifying a remittance amount, and adding the input remittance data to the queue corresponding to the amount band covering the remittance amount specified by the remittance data;
If there is remittance data in the queue corresponding to an amount range that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount, the existing remittance data Remittance control means for performing remittance processing and updating the excess amount;
A deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount;
An overdue amount management apparatus characterized by comprising: An overdue amount management device for a financial institution with a limit on the excess amount that is the difference between the remittance amount and the deposit amount,
Excess amount storage means for storing the excess amount;
Multiple queues,
Remittance data adding means for inputting a plurality of remittance data specifying a remittance amount, sorting the plurality of input remittance data according to the remittance amount, dividing the plurality of remittance data into a plurality of queues, and
Remittance by taking out the existing remittance data from a queue in which remittance data not exceeding the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount is stored at the head. Remittance control means for performing processing and updating the excess amount;
A deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount;
An overdue amount management apparatus characterized by comprising: An overdue amount management method for a financial institution with a limit on the excess amount, which is the difference between the remittance amount and the deposit amount,
a) a step in which remittance data adding means inputs remittance data designating a remittance amount and adds it to any one of a plurality of queues;
b) When remittance control means has remittance data specifying a remittance amount not exceeding the remittable amount that is the difference between the excess amount and a predetermined limit amount at the head of any one of the queues Taking out the existing remittance data and performing remittance processing;
A method for managing excess amount of payment, characterized by including: An overdue amount management method for a financial institution with a limit on an excess amount that is a difference between a remittance amount and a deposit amount,
a) a step in which remittance data adding means inputs remittance data designating a remittance amount and adds it to any one of a plurality of queues;
b) When remittance control means has remittance data specifying a remittance amount not exceeding the remittable amount that is the difference between the excess amount and a predetermined limit amount at the head of any one of the queues Extracting the existing remittance data, performing remittance processing and updating the excess amount;
c) a step in which the deposit control means inputs deposit data specifying the deposit amount, performs deposit processing and updates the excess amount;
A method for managing excess amount of purchases, characterized by including:   The plurality of queues correspond one-to-one to different amount ranges, and the remittance data adding means corresponds to the amount range that covers the amount of remittance specified by the remittance data. 9. The overdelivery amount management method according to claim 8, wherein the excess amount management method is added to the queue.   9. The overdue amount management method according to claim 8, wherein the remittance data adding means divides a plurality of remittance data according to the remittance amount, and then divides the remittance data into a plurality of queues. A computer that constitutes a surplus management device for a financial institution with a limit on the surplus that is the difference between the remittance amount and the deposit amount,
Remittance data adding means for inputting remittance data specifying a remittance amount and adding it to any one of a plurality of queues;
When there is remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount at the head of any one of the queues , Remittance control means for taking out the existing remittance data and performing remittance processing,
A program characterized by functioning as A computer that constitutes a surplus management device for financial institutions with a limit on the surplus that is the difference between the remittance amount and the deposit amount,
Remittance data adding means for inputting remittance data specifying a remittance amount and adding it to any one of a plurality of queues;
When there is remittance data specifying a remittance amount that does not exceed the remittable amount that is the difference between the excess amount stored in the excess amount storage means and a predetermined limit amount at the head of any one of the queues Remittance control means for taking out the existing remittance data and performing remittance processing and updating the excess amount;
Deposit control means for inputting deposit data specifying a deposit amount, performing deposit processing and updating the excess amount,
A program characterized by functioning as   The plurality of queues correspond one-to-one to different amount ranges, and the remittance data adding means corresponds to the amount range that covers the amount of remittance specified by the remittance data. The program according to claim 12, wherein the program is added to the queue.   13. The program according to claim 12, wherein the remittance data adding means divides a plurality of remittance data according to the remittance amount, and then divides the remittance data into a plurality of queues.

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