JP2009123171A - Transfer processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance the operation efficiency of a person in charge of a transfer operation in a transfer processing system which performs processing related to the transfer in a financial institution. <P>SOLUTION: In a financial system, when it is determined that a transfer amount cannot be withdrawn from a sender cash balance, the transfer instruction concerned is recorded in a preset uncompleted transmission DB by uncashed transfer processing (S320), and a receiver apparent balance is increased by the transfer amount corresponding to the transfer instruction, and recorded in an apparent balance DB (S330). Namely, in this financial system, when the transfer amount cannot be withdrawn from the sender cash balance, uncashed transfer for adding the transfer amount to the receiver apparent balance without adding the transfer amount to the receiver cash balance can be executed. According to this financial system, the receiver recognizes that the sender intends to transfer money by confirming the apparent balance. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a transfer processing system that performs a process related to a transfer in a financial institution.

2. Description of the Related Art Conventionally, as the transfer processing system, a system that separately manages a surface balance including an unfunded balance of each customer and a funded balance excluding an unfunded balance of each customer is widely known. In such a transfer processing system, after receiving a transfer instruction from the destination side (customer as a transfer request source), the transfer amount is reflected as a funded balance of the destination side (customer as a transfer request destination). There is also known one having a function of preventing the destination side from confirming the contents of the transfer due to the time lag until the time lag (for example, see Patent Document 1).
JP 2002-298060 A

  By the way, in the conventional transfer processing system, even if a transfer request is made when the funding balance on the destination side is insufficient (when the funding balance on the destination side is less than the transfer amount), this transfer request The one with the specification which refuses itself was common.

  For this reason, since the destination side cannot confirm the transfer until the destination side makes a transfer request after resolving the shortage of funded balance, the destination side makes a transfer to the destination side. The work was inefficient because it was necessary to carry out extra work such as prompting.

  Therefore, in view of such problems, it is an object of the present invention to make it possible to improve the efficiency of operations of persons involved in a transfer in a transfer processing system that performs a process related to transfer in a financial institution.

  In the transfer processing system according to claim 1, which is made to achieve such an object, if it is determined by the first determination means that the transfer amount cannot be deducted from the funding balance on the destination side, The direct transfer means records the transfer instruction in a preset unprocessed information recording means, adds the surface balance on the destination side by the amount of transfer corresponding to the transfer instruction, and records it on the surface balance recording means. It is a feature.

  That is, in the transfer processing system of the present invention, when the transfer amount cannot be deducted from the funding balance on the destination side, the transfer amount is not reflected (added) to the funded balance on the destination side. It is possible to carry out an unfunded transfer that reflects the transfer amount on the side balance.

Therefore, according to such a transfer processing system, the destination side can recognize that the destination side is willing to transfer by confirming the surface balance.
The “unfunded funds” in the present invention corresponds to, for example, funds by securities such as bills and stock certificates that are not cashed.

  Each means constituting the transfer processing system may be mounted on a plurality of devices, and each device may be configured to realize a function as each means by performing communication. It is good also as a structure mounted in the apparatus.

  By the way, in the transfer processing system according to claim 1, it is assumed that the unfunded transfer means is unable to withdraw the transfer amount from the funded balance on the destination side by the first determination means as described in claim 2. If the determination is made, a function may be further provided in which the surface balance on the destination side is subtracted by the transfer amount and recorded on the surface balance recording means.

According to such a transfer processing system, the total of the surface balance can be made consistent at all times.
Moreover, in the transfer processing system according to claim 2, when the operation command is received as described in claim 3, the transfer amount designated by the transfer command can be deducted from the funding balance on the destination side. If it is determined by the second determination means and the second determination means that the transfer amount can be deducted from the funding balance on the destination side, the funding balance on the destination side is subtracted by the transfer amount. And a retransfer means for recording in the funded balance recording means, and adding the funded balance on the destination side by the transfer amount and recording it in the funded balance recording means.

  According to such a transfer processing system, even when the process of funding the transfer amount cannot be performed at the time when the transfer instruction is issued, the transfer from the funding balance on the destination side is performed when the second determination means is activated. If the amount can be withdrawn, a process for funding the transfer amount can be performed. Therefore, even when the process of funding the transfer amount cannot be performed at the time when the transfer instruction is issued, the destination side can omit the operation of performing the transfer request again. Accordingly, since it is not necessary for the financial institution to respond to the transfer request again, it is possible to improve the efficiency of operations at the financial institution.

  Furthermore, in the transfer processing system according to claim 3, the second balance determination means may be operated according to an instruction of a person who operates the system, but as described in claim 4, the second determination You may provide the operation timing control means which controls the operation timing by a means.

According to such a transfer processing system, the retransfer means can be operated automatically.
Further, in the transfer processing system according to claim 3 or claim 4, when the second determination unit is configured to repeatedly operate, the process by the retransfer unit is performed as described in claim 5. What is necessary is just to provide the 1st extraction disturbance means which prevents the said transfer instruction from reading the said 2nd determination means from the said unprocessed information recording means.

  According to such a transfer processing system, even if the second determination unit is configured to repeatedly operate, it is possible to prevent the retransfer unit from being operated redundantly with respect to a specific transfer command.

  In addition, as a specific configuration of the first extraction disturbing unit, a configuration in which a transfer command that has been processed by the retransfer unit is deleted from the unprocessed information recording unit, or a transfer command that has been processed by the retransfer unit is included. On the other hand, the processed flag is set and recorded in the unprocessed information recording means, and the second determining means is only a transfer command in which the processed flag is not set among the transfer processes recorded in the unprocessed information recording means. For example, a configuration for reading out.

  Further, in the transfer processing system according to claim 5, as described in claim 6, the unfunded transfer means corresponds to the transfer instruction when the unprocessed information recording means records the transfer instruction. An unfunded flag indicating that the transfer process has not been completed is recorded and recorded, and the second determining means transfers the unfunded flag of the transfer process recorded in the unprocessed information recording means. Only the command is extracted, it is determined whether or not the transfer amount corresponding to the transfer command can be deducted from the funding balance on the destination side, and the first extraction obstructing unit is the transfer that has been processed by the retransfer unit The unfunded flag recorded in the unprocessed information recording means corresponding to the command may be canceled.

  According to such a transfer processing system, it is possible to prevent the retransfer unit from being operated repeatedly for a specific transfer command without deleting the transfer command recorded in the unprocessed information recording unit. .

  Further, in the transfer processing system according to claim 6, the first extraction disturbing means is provided with the unprocessed information recording means in response to the transfer instruction in which the process by the retransfer means is performed as described in claim 7. Instead of the recorded unfunded flag, a funded flag indicating that the process by the retransfer means has been performed may be set.

According to such a transfer processing system, it is possible to make it easier to later search for a transfer instruction in which the process of funding is performed by the retransfer means.
Further, in the transfer processing system according to any one of claims 3 to 7, the time from when the transfer instruction is recorded in the unprocessed information recording means is preset as described in claim 8. A monitoring means for monitoring whether or not the allowable time has passed; and when it is determined that the time after the transfer command is recorded by the monitoring means has passed the allowable time, the transfer instruction is determined as the second determination. A second extraction disturbing unit that prevents the unit from reading from the unprocessed information recording unit.

  According to such a transfer processing system, it is possible to prevent the second determination unit from reading the transfer command when the allowable time has elapsed, so that the transfer process can be effectively canceled.

  Further, in the transfer processing system according to claim 8, as described in claim 9, the second extraction disturbing means is adapted to respond to a transfer command for which an allowable time has elapsed since recording in the unprocessed information recording means. The second determination means sets the cancellation flag indicating that the transfer has been canceled and records it in the unprocessed information recording means, and the second determination means transfers the transfer flag set in the unprocessed information recording means. A transfer command other than the command may be extracted, and it may be determined whether or not the transfer amount corresponding to the transfer command can be deducted from the funding balance on the destination side.

According to such a transfer processing system, since a cancel flag is set for a transfer command for canceling the transfer, the canceled transfer command can be easily retrieved later.
Furthermore, in the transfer processing system according to claim 8 or claim 9, when it is determined by the monitoring means that the time from when the transfer command is recorded has passed the allowable time, as described in claim 10. In addition, there is provided a cancellation transfer means for adding the surface balance on the destination side by the transfer amount and recording it on the surface balance recording means, and subtracting the surface balance on the destination side by the transfer amount and recording it on the surface balance recording means. May be.

  According to such a transfer processing system, when canceling the transfer command, the contents recorded in the surface balance recording means can be returned to the state before receiving the transfer command.

Embodiments according to the present invention will be described below with reference to the drawings.
[Configuration of this embodiment]
FIG. 1 is a block diagram showing a schematic configuration of a financial system 1 (transfer processing system) to which the present invention is applied. The financial system 1 is a system for depositing, withdrawing, or transferring money at a financial institution such as a bank. The financial system 1 is an internal server 11 connected to the internal network 10 and an external network 20 connected to the external network 20. The server 21, the deposit system 40, and the exchange system 50 are connected via the internal communication line 30.

  The bank network 10 includes an ATM (Automatic Teller Machine) 12 and a CD (Cash Dispenser: not shown), an office processing terminal 13 operated by a bank employee at a branch or sales office, and a centralized process arranged in the head office. Various terminals such as the device 14 are connected. The central processing unit 14 is configured to transmit a reserved transfer instruction such as salary transfer and various charges to the internal server 11 at a preset date and time (for example, before business hours on the payday). Has been.

  The external network 20 is connected to various terminals such as a personal PC 22, a personal mobile phone 23, an ATM such as another bank or convenience store, a third-party ATM 24 that is a CD, and another bank server 60. The in-row network 10 is a network constituted by its own dedicated line, and the external network 20 is a network constituted by public communication lines such as the Internet.

  Here, various terminals such as the own ATM 12 and the personal PC 22 communicate with the internal server 11 or the external server 21. Specifically, the various terminals are connected with information for authenticating the customer by performing processing for authenticating the customer (for example, processing for accepting an input of a personal identification number or processing for reading the customer's fingerprint). The customer who operates various terminals is authenticated by transmitting to the servers 11 and 21. After this authentication, the various terminals function as an interface through which the customer inputs instructions such as money transfer.

  The internal server 11 and the external server 21 perform customer authentication in response to requests from various terminals, return the authentication results to the various terminals, and send information corresponding to instructions from the customer after authentication to the deposit system 40. Or the exchange system 50 and return this information to various terminals.

  The deposit system 40 includes a deposit control unit 41 configured as a well-known microcomputer including a CPU, a ROM, a RAM, and the like, and a deposit DB (database) 42 configured as a recording area such as an HDD (hard disk drive). Yes.

  The deposit DB 42 is a recording area for recording data relating to customer deposits, and includes a surface balance DB (surface balance recording means). FIG. 2A is an explanatory diagram showing details of the surface balance DB.

  As shown in FIG. 2 (a), the surface balance DB stores information on the account (store number, subject, account number, account name), customer number, surface balance, deposit / withdrawal details, etc. for each customer account. They are recorded in association with each other. The surface balance is, for example, an amount displayed in the passbook when the customer fills in the passbook, and represents an amount including funds by securities such as bills and stock certificates that are not cashed. Therefore, it is unrelated to the amount that the customer can withdraw.

  Then, the deposit control unit 41 accesses the deposit DB 42 (surface balance DB or the like) in response to a request from the internal server 11 or the external server 21 to read out necessary information or rewrite information. Further, a process of returning the read information to the internal server 11 or the external server 21 that is the request transmission source is also performed.

  Next, the exchange system 50 includes an exchange control unit 51 configured as a microcomputer including a CPU, ROM, RAM, and the like, and an exchange DB 52 configured as a recording area such as an HDD.

  The exchange DB 52 is a recording area for recording data related to customer funds, including a funded balance DB (funded balance recording means), an unprocessed outgoing DB (unprocessed information recording means), an unprocessed cancellation time definition DB, and a deposit It is configured with a detail DB and the like. 2B is an explanatory diagram showing details of the funded balance DB, FIG. 3A is an explanatory diagram showing details of the unprocessed outgoing DB, and FIG. 3B is a detail of the unprocessed cancellation time definition DB. FIG. 3C is an explanatory diagram showing details of the deposit details DB.

  As shown in FIG. 2 (b), the funding balance DB includes information on the account (store number, subject, account number, account name), customer number, funding balance, total funding balance, etc. for each customer account. Are recorded in association with each other. The funding balance represents the amount that can be actually withdrawn by the customer.

  As shown in FIG. 3 (a), the unprocessed transmission DB includes a foreign exchange transmission number, a transmission transmission date and time, a channel classification, a transfer type, a client name, a withdrawal account (store number, subject, account number, Account name), withdrawal details number, client code, transfer code, EDI information, transfer account (store number, item, account number, account name), transfer amount, unprocessed outgoing flag (unfunded flag), funds A recording area for recording information such as a completed flag (financialized flag) and an unprocessed transmission cancellation flag (cancellation flag) is provided.

  The exchange number is a code consisting of a unique character string that can identify a transfer. Further, the channel classification is a code representing the channel (Internet banking, storefront terminal, etc.) that has been accepted.

  The client code is a code composed of a unique character string that identifies the destination side. Further, the EDI information is information such as a character string added to the transfer details. Various flags will be described later.

  As shown in FIG. 3B, the unprocessed cancellation time definition DB records an allowable time (usually about 12 hours) that allows an unfunded transfer described later in association with the client code for each transfer command. A recording area is provided.

  As shown in FIG. 3 (c), the payment details DB includes a statement number, incoming call classification, incoming call date / time, exchange call number, outgoing call date / time, payment processing classification, transfer type, client name, EDI information, transfer for each transfer command. Previous account (store number, item, account number, account name), transfer amount, unfunded transfer payment flag (unfunded flag), funds processing flag (funded flag), unfunded transfer receipt cancellation flag (cancellation) A recording area for recording information such as a flag) is provided.

  Then, the exchange control unit 51 accesses the exchange DB 52 (payment details DB or the like) in response to a request from the internal server 11 or the external server 21, and reads necessary information or rewrites information. Specifically, when the exchange control unit 51 receives an instruction to rewrite the funded balance or flag, it executes a process of rewriting the contents recorded in the deposit details DB or the unprocessed transmission DB according to the instruction.

Further, the exchange control unit 51 also performs a process of returning the read information to the internal server 11 or the external server 21 that is the request transmission source.
[Processing in the system of this embodiment]
Since the financial system 1 of the present embodiment has the same configuration as that of a well-known financial system in depositing and withdrawing deposits, only the process related to the transfer, which is a characteristic part of the present invention, will be described in detail. Further, the following processing will be described on the assumption that the bank transfer (transfer to which the destination side (transfer source customer) and the destination side (transfer destination customer) are both own bank customers).

Note that if the destination is a customer of another financial institution, the processing for the destination-side account may be read as being transmitted to the other bank server 60.
In the financial system 1 configured as described above, information specifying the destination side (account information), information specifying the destination side (account information), and a transfer instruction specifying the transfer amount, etc. are input from various terminals. Then, depending on the terminal that is the input source of the transfer instruction, either the internal server 11 or the external server 21 connected to the same network as the terminal performs a process of reflecting the transfer amount in each DB. . This process will be described with reference to FIG. FIG. 4 is a flowchart showing a transfer process executed by the internal server 11 and the external server 21.

  The transfer process is a process that is repeatedly executed at preset time intervals. As shown in FIG. 4, first, it is determined whether or not a transfer instruction has been issued from any terminal (S110). If there is no transfer instruction (S110: NO), the transfer process is immediately terminated.

  Further, if there is a transfer command (S110: YES), a request is made to the destination system for funding balance (S120). In this processing, the customer number (or client code) may be transmitted to the exchange system 50 together with the request for the funding balance. Then, the exchange system 50 returns information on the funding balance on the destination side in association with the customer number. It is assumed that the customer number can be specified when the terminal is authenticated.

  Next, it is determined whether or not the transfer amount is equal to or less than the funding balance (S130: first determination means). Here, the exchange system 50 responds that the funded balance is 0 when the transfer of the funded balance on the destination side is prohibited due to circumstances such as the account on the destination side being locked. .

  If the transfer amount is equal to or less than the funding balance (S130: YES), a normal transfer process described later is performed (S140), and the transfer process is terminated. If the transfer amount is larger than the funded balance (S130: NO), an unfunded transfer process described later is performed (S150), and the transfer process is terminated. If the transfer amount is larger than the funded balance and the transfer order is for a customer of a financial institution that does not support unfunded transfer, the transfer order is issued without carrying out the unfunded transfer process. Cancel.

The normal transfer process will be described with reference to the flowchart of FIG. In addition, the process of S210-S240 in a normal transfer process is corresponded to the normal transfer means said by this invention.
In the normal transfer process, first, the exchange system 50 is instructed to subtract the funding balance on the destination side by the amount transferred (S210), and the deposit system 40 is instructed to subtract the surface balance on the destination side by the amount transferred. (S220).

  Subsequently, the exchange system 50 is instructed to add the funding balance on the destination side by the amount of the transfer (S230), and the deposit system 40 is instructed to add the surface balance on the destination side by the amount of the transfer ( S240).

  Then, the amount of money transferred in the corresponding account (the destination account and the destination account), the deposit DB 42, the exchange rate, etc. Addition / subtraction confirmation processing for confirming the sum of all funds in the DB 52 is performed (S250), and the normal transfer processing is terminated. If there is an error in the transfer of funds as a result of the confirmation in the addition / subtraction confirmation process, it is corrected appropriately.

  A specific example of the transfer of funds when such a normal transfer process is performed will be described with reference to FIG. FIG. 5B is an explanatory diagram showing the transfer of funds by the normal transfer process.

  In FIG. 5B, when both the surface balance and the funded balance are 1000 yen, the transfer A with the transfer amount of 1000 yen and the transfer B with the transfer amount of 500 yen are performed by the above normal transfer process. It is assumed that it has been implemented. In this case, both the surface balance and the funded balance are added 1000 yen each by transfer A to 2000 yen, and both the surface balance and the funded balance are added 500 yen each by transfer B to 2500 yen.

  As a result, when the destination side performs the passbook entry or balance inquiry, it is displayed as 2500 yen, and even when withdrawing funds, it is possible to withdraw 2500 yen similarly.

  Next, the unfunded transfer process will be described with reference to the flowchart of FIG. In the unfunded transfer process, first, the deposit system 40 is instructed to subtract the surface balance on the destination side by the transfer amount (S310: unfunded transfer means).

  Subsequently, various information related to the transfer instruction (refer to FIG. 3A for details) is transmitted to the exchange system 50, and this information is recorded in the unprocessed transmission DB (S320). Then, as shown in FIG. 6B, the exchange control unit 51 of the exchange system 50 sets an unprocessed transmission flag (unfunded flag) in association with the transfer amount, the transfer date and time, and the unprocessed transmission DB. To record. FIG. 6B is an explanatory diagram showing a part of the contents of the unprocessed transmission DB in the unfunded transfer process.

  Next, an instruction is given to add the balance on the destination side by the amount of the transfer amount with the unfunded flag raised (S330: unfunded transfer means), and the addition / subtraction confirmation processing similar to S250 is performed (S340) Then, the unfunded transfer process is terminated.

  A specific example of the transfer of funds when such an unfunded transfer process is performed will be described with reference to FIG. FIG. 6C is an explanatory diagram showing the transfer of funds by the normal transfer process.

  In FIG. 6C, when both the surface balance and the funded balance are 1000 yen, the transfer A with the transfer amount of 1000 yen and the transfer B with the transfer amount of 500 yen are the above unfunded transfer. The case where it is implemented by processing is assumed. In this case, only the surface balance is added 1000 yen by transfer A to 2000 yen, but the funded balance is not added. In addition, the surface balance is added by 500 yen by transfer B to 2500 yen, but the funded balance is not added.

  That is, the unfunded transfer process is an incomplete transfer process in which the transfer amount is reflected in the surface balance, but the transfer amount is not reflected in the funded balance, unlike the normal transfer process. As a result, when the destination side performs passbook entry or balance inquiry, it is displayed as 2500 yen, but when withdrawing funds, only 1000 yen can be withdrawn.

  Next, a process that is executed by selecting whether the incomplete transfer process recorded in the unprocessed transmission DB is a complete transfer process or cancels the transfer process itself will be described with reference to FIG. FIG. 7 is a flowchart showing the reconfirmation process executed by the internal server 11 or the external server 21. In the reconfirmation process, the processes of S410 to S440 correspond to the second determination means in the present invention.

  The operation timing of the reconfirmation process is controlled by a timer mounted in the internal server 11 or the external server 21, and the reconfirmation process is started at predetermined time intervals (for example, every 5 minutes) ( Operation timing control means). In the reconfirmation process, first, a transfer instruction with an unfunded flag raised is extracted from the unprocessed transmission DB (S410). And the presence or absence of this extraction result is determined (S420).

  If there is no transfer command extraction result (S420: NO), it means that all the transfer commands are processed as a complete transfer process, and it is not necessary to carry out the fund transfer process, which will be described later. End the process. On the other hand, if there is a transfer command extraction result (S420: YES), one of the extracted transfer commands is selected (S430).

  Subsequently, it is determined whether or not the transfer amount is equal to or less than the funding balance (S440). If the transfer amount is equal to or less than the funding balance (S440: YES), a funding transfer process described later is performed (S450), and the process proceeds to S480 described later. Further, if the transfer amount is larger than the funded balance (S440: NO), the unprocessed cancellation time definition DB from the recording date and time of the transfer instruction recorded in the unprocessed transmission DB (the time when the unfunded transfer process was performed). It is determined whether or not the allowable time recorded in (e.g., 12 hours) has passed (S460: monitoring means).

  If the allowable time has elapsed (S460: YES), a cancellation process described later is performed (S470), and the process proceeds to S480 described later. If the allowable time has not elapsed (S460; NO), the process immediately proceeds to S480.

  Subsequently, the presence / absence of an unselected transfer command is determined (S480). If there is an unselected transfer instruction (S480: YES), one of the unselected transfer instructions is selected (S490), and the process returns to S440. If there is no unselected transfer command (S480: NO), the reconfirmation process is terminated.

Next, the fund transfer process will be described with reference to the flowchart of FIG.
In the fund transfer process, first, the exchange system 50 is instructed to cancel the unfunded flag (S610: first extraction blocking means), and the exchange system 50 is instructed to set the funded flag. (S620: first extraction disturbing means).

  Then, the exchange control unit 51 of the exchange system 50 cancels the unfunded flag and cancels the unprocessed state in the recording area related to the transfer instruction of the unprocessed transmission DB, as shown in FIG. Raise a funded flag to indicate that you have done so. Further, the exchange system 50 similarly changes the state of the flag in the deposit details DB (see FIG. 8C).

  Subsequently, an instruction is given to subtract the amount of money to be transferred on the destination side (S630: retransfer means), and an instruction is given to the exchange system 50 to add the amount of money to be transferred on the destination side in accordance with the amount of transfer (S640). : Retransfer means). Then, an addition / subtraction confirmation process similar to S250 is performed (S650), and the funding process is terminated.

  A specific example of the transfer of funds when such a fund transfer process is performed will be described with reference to FIG. FIG. 8C is an explanatory diagram showing the transfer of funds by the normal transfer process.

  In FIG. 8C, it is assumed that when the surface balance is 2500 yen and the funding balance is 1000 yen, the above funding transfer process is performed for the transfer A whose transfer amount is 1000 yen. In this case, only the funded balance is added by 1000 yen by transfer A to 2000 yen, but the front balance has already been added and is not added in this process.

  In other words, the funded transfer process is a process that complements the movement of the funded balance that was not performed in the unfunded transfer process. When this process is performed, the normal transfer process is performed on the destination side. It is possible to enjoy the same effect as in the case of.

For example, when the destination side withdraws funds, it becomes possible to withdraw funds of 2000 yen, which is the funded balance after the transfer A is reflected.
Next, the cancellation process will be described with reference to the flowchart of FIG. In the cancellation process, first, the exchange system 50 is instructed to cancel the unfunded flag (S710: second extraction blocking means), and the exchange system 50 is instructed to set a cancellation flag (S720: Second extraction disturbing means).

  Then, as shown in FIG. 9B, the exchange control unit 51 of the exchange system 50 cancels the unfunded flag and cancels the transfer in the recording area related to the transfer instruction of the unprocessed outgoing DB. Set a cancellation flag that represents. Further, the exchange system 50 similarly changes the state of the flag in the deposit details DB (see FIG. 9C).

  Then, an instruction is made to subtract the amount on the surface balance on the destination side by the transfer amount (S730: cancellation transfer means), and an instruction is given to the deposit system 40 to add the surface balance on the destination side by the amount of transfer (S740: cancellation transfer). means). Subsequently, an addition / subtraction confirmation process similar to S250 is performed (S750), and the cancellation process is terminated.

A specific example of the transfer of funds when such a cancellation process is performed will be described with reference to FIG. FIG. 9C is an explanatory diagram showing the transfer of funds by the cancellation process.
In FIG. 8C, it is assumed that when the surface balance is 2500 yen and the funding balance is 2000 yen, the cancellation process is performed for the transfer B with the transfer amount of 500 yen. In this case, only the surface balance is subtracted by 500 yen by transfer B to 2000 yen.

  Note that the funded balance is not changed in this process because it has not been added by transfer B in the first place. That is, the cancellation process is a process of canceling the transfer itself when the destination side fails to deposit the account within the allowable time. In this case, since the funded balance on the destination side is not changed in the unfunded transfer process and the cancellation process, the funds related to the canceled transfer instruction are not drawn out on the destination side.

[Operations and effects of this embodiment]
In the financial system 1 described in detail above, when it is determined that the transfer amount cannot be withdrawn from the funding balance on the destination side in the transfer process, each of the servers 11 and 21 performs an unfunded transfer process. Then, the transfer instruction is recorded in a preset unprocessed transmission DB, and the surface balance on the destination side is added by an amount corresponding to the transfer amount corresponding to the transfer instruction and recorded in the surface balance DB.

  That is, in the financial system 1 of the present embodiment, when the transfer amount cannot be deducted from the destination-side funded balance, the transfer amount is not reflected (added) to the destination-side funded balance. Unfunded transfer that reflects the transfer amount on the surface balance on the destination side can be implemented.

Therefore, according to the financial system 1 as described above, the destination side can recognize that the destination side has a willingness to transfer by confirming the surface balance.
In addition, since a configuration is adopted in which the transfer amount is not reflected in the funded balance on the destination side, the destination side cannot withdraw funds for this transfer. Therefore, according to this transfer system, it is possible to prevent funds from being withdrawn by the destination side before the funds for the amount of money to be transferred are transferred to the destination side.

  Furthermore, if it is determined that the transfer amount cannot be deducted from the funding balance on the destination side in the transfer process, each server 11, 21 will transfer the surface balance on the destination side in the unfunded transfer process. Subtract only and record it in the surface balance DB.

Therefore, according to such a financial system 1, the total of the surface balance can be made consistent at all times.
In addition, when each server 11 and 21 receives an operation command from the timer in the reconfirmation process, it determines whether or not the transfer amount specified by the transfer command can be deducted from the funding balance on the destination side. If it is determined that it can be withdrawn, the funding balance on the destination side is subtracted by the transfer amount and recorded in the funding balance DB in the fund transfer process, and the funded balance on the destination side is recorded for the transfer amount. And add it to the funding balance DB.

  Therefore, according to such a financial system 1, even if the process of funding the transfer amount cannot be performed at the time when the transfer instruction is issued, each server 11 and 21 is informed when the reconfirmation process is performed. If the transfer amount can be deducted from the funding balance on the destination side, a process for funding the transfer amount can be performed. Therefore, even when the process of funding the transfer amount cannot be performed at the time when the transfer instruction is issued, the destination side can omit the operation of performing the transfer request again. Accordingly, since it is not necessary for the financial institution to respond to the transfer request again, it is possible to improve the efficiency of operations at the financial institution.

Furthermore, in the financial system 1, the operation timing of the reconfirmation process is controlled by a timer provided in each of the servers 11 and 21.
Therefore, according to such a financial system 1, each of the servers 11 and 21 can automatically operate a reconfirmation process (a fund transfer process).

  In addition, each of the servers 11 and 21 is set so that the transfer instruction funded by the fund transfer process (transfer instruction after the process of funding is completed) is not read when the reconfirmation process is performed again. Yes.

  Specifically, each of the servers 11 and 21 indicates that the transfer process is not completed in response to the transfer command when the transfer command is recorded in the unprocessed outgoing DB in the unfunded transfer process. An unfunded flag is set and recorded, and in the reconfirmation process, only the transfer command with the unfunded flag set out of the transfer processes recorded in the unprocessed transmission DB is extracted. In the fund transfer process, the unfunded flag recorded in the unprocessed transmission DB is canceled in response to the funded transfer command.

  Therefore, according to such a financial system 1, even in the configuration in which the reconfirmation process is repeatedly operated, it is possible to prevent the funding transfer process from being operated redundantly for a specific transfer instruction. In addition, it is possible to prevent the funding process from being activated for a specific transfer instruction without deleting the transfer instruction recorded in the unprocessed transmission DB.

  Further, each server 11, 21 replaces the unfunded flag recorded in the unprocessed outgoing DB in response to the funded transfer instruction in the fund transfer process, The funded flag is set to indicate that the process of funding has been performed in the money transfer process.

Therefore, according to such a financial system 1, each server 11 and 21 can make it easy to later search for a transfer instruction in which the process of funding is performed in the fund transfer process.
Each server 11, 21 monitors whether or not the time after the transfer command is recorded in the unprocessed outgoing DB has passed a preset allowable time in the reconfirmation process, and the transfer command is recorded. When it is determined that the allowable time has passed since the start of the transfer, the transfer instruction cannot be read from the unprocessed transmission DB in the cancellation process.

  Therefore, according to such a financial system 1, since each server 11 and 21 cannot read the transfer command in the reconfirmation process when the allowable time has elapsed, the transfer process can be effectively canceled.

  Furthermore, each server 11, 21 sets a cancellation flag indicating that the transfer has been canceled in response to the transfer command for which the allowable time has elapsed since it was recorded in the unprocessed transmission DB in the cancellation process, and made an unprocessed transmission. The transfer command other than the transfer command for which the cancellation flag is set is extracted from the transfer processing recorded in the unprocessed outgoing DB in the reconfirmation process in the reconfirmation process, and the transfer command is transferred from the funding balance on the destination side. It is determined whether or not the transfer amount corresponding to can be withdrawn.

Therefore, according to such a financial system 1, since the cancellation flag is set for the transfer instruction for canceling the transfer, the canceled transfer instruction can be easily retrieved later.
Furthermore, when it is determined that the time since the transfer command is recorded has passed the allowable time, each server 11, 21 adds the surface balance on the destination side by the transfer amount and records it in the surface balance DB. Then, the surface balance on the destination side is subtracted by the transfer amount and recorded in the surface balance DB.

Therefore, according to such a financial system 1, when canceling a transfer command, the contents recorded in the surface balance DB can be returned to the state before receiving the transfer command.
[Other Embodiments]
Embodiments of the present invention are not limited to the above-described embodiments, and can take various forms as long as they belong to the technical scope of the present invention.

  For example, in the above-described embodiment, a replacement process in which a financial institution changes funds for transfer can be adopted instead of the cancellation process. In this process, there will be a risk that the financial institution will not be able to collect funds. Therefore, it is determined whether or not the examination has passed in advance, and the customer (destination side) who has passed is judged. It is preferable that the replacement process is performed only on the

  A specific example of the replacement process will be described with reference to the flowchart of FIG. In the exchange process, first, the exchange system 50 is instructed to cancel the unfunded flag (S810), and the exchange system 50 is instructed to set the exchange flag (S820).

  Then, as shown in FIG. 10B, the exchange control unit 51 of the exchange system 50 cancels the unfunded flag in the recording area related to the transfer instruction of the unprocessed transmission DB, and the financial institution changes. Set up a replacement flag indicating that it has been implemented.

  Subsequently, various types of information related to the transfer instruction (at least information on the amount of advancement and the date and time of advancement corresponding to the destination side: see FIG. 10C) is transmitted to the exchange system 50 and this information is recorded in the advancement DB ( S830). The advance DB is included in the exchange DB 52.

  Subsequently, the exchange system 50 is instructed to set a funded flag (S840). In this process, the same process as the process of S620 is performed. Then, the exchange system 50 is instructed to add the funding balance on the destination side by the amount of the transfer (S850). Further, an addition / subtraction confirmation process similar to S250 is performed (S860), and the replacement process is terminated.

  When performing such advancement processing, it is necessary to perform processing for collecting funds that have been replaced by a financial institution. This process will be described with reference to FIG. FIG. 11 is a flowchart showing the change confirmation process executed by the internal server 11 or the external server 21.

  The change confirmation process is a process activated every predetermined time (for example, every 5 minutes) set in advance, and first, the transfer instruction stored in the change DB is extracted (S910). Then, the presence or absence of this extraction result is determined (S920).

  If there is no transfer command extraction result (S920: NO), this means that there is no transfer command that has been renewed, and it is not necessary to carry out a process of repairing funds, so the renewal confirmation process is immediately terminated. On the other hand, if there is a transfer command extraction result (S920: YES), one of the extracted transfer commands is selected (S930).

  Subsequently, it is determined whether or not the transfer amount is equal to or less than the funding balance (S940). If the transfer amount is greater than the funded balance (S940: NO), the process immediately proceeds to S990 described later. If the transfer amount is less than or equal to the funded balance (S940: YES), the exchange system 50 is instructed to cancel the advance flag (S950), and the funded flag is instructed in the unprocessed outgoing DB. (S960). Then, the recorded contents of the advance DB relating to the transfer instruction are deleted, and the exchange system 50 is instructed to subtract the funding balance on the destination side by the transfer amount (S980).

  Subsequently, the presence / absence of an unselected transfer command is determined (S990). If there is an unselected transfer instruction (S480: YES), one of the unselected transfer instructions is selected (S1000), and the process returns to S940. If there is no unselected transfer command (S990: NO), the reconfirmation process is terminated.

  According to such a configuration, it is possible to change funds for transfer by a financial institution, so that convenience for customers can be improved. In addition, since the financial institution performs the replacement process only when the allowable time is exceeded, the frequency of the replacement process can be reduced as much as possible.

  In addition, in the said process, it can also be set as the structure which does not provide replacement DB. In this case, the processing of S830 and S970 is not performed, and in the processing of S910, the transfer command recorded in the unprocessed transmission DB with the change flag set may be extracted. .

  In the above embodiment, each of the servers 11 and 21 is configured to transmit data to the internal communication line 30 by designating the other party. However, the server 11 and 21 may transmit data without designating the other party. Good. In this case, it is only necessary to determine whether the device on the data receiving side is the data addressed to itself according to the type of data.

  In the above-described embodiment, the servers 11 and 21 are configured to instruct the deposit system 40 and the exchange system 50 to give specific balance addition / subtraction instructions and flag state changes. Only a minimum instruction such as updating may be performed, and the deposit system 40 / exchange system 50 receiving the instruction may interpret the specific contents of the instruction and perform a predetermined process.

  Specifically, as shown in FIG. FIG. 12 is a list showing the operation contents of the deposit system 40 and the exchange system 50 in response to instructions from the servers 11 and 21.

As shown in FIG. 12, in various processes, a process to be performed when the deposit system 40 and the exchange system 50 receive instructions from the servers 11 and 21 may be set in advance.
Specifically, for example, when performing the above-described cancellation process, the servers 11 and 21 perform only a process of transmitting (broadcasting) an instruction to set a cancellation flag to each of the systems 40 and 50. In response to this instruction, the deposit system 40 acquires information on the transfer amount recorded in the unprocessed outgoing DB from the exchange system 50, and adds the surface balance on the destination side by this transfer amount, and the transfer amount A process of subtracting the surface balance on the destination side by the amount is executed. Further, in the exchange system 50, a process of setting a cancellation flag in place of the unprocessed outgoing DB and the unfunded flag in the payment details DB is performed.

It should be noted that other processes other than the cancellation process may be performed in the same manner as the cancellation process.
Moreover, in the said embodiment, although each server 11 and 21 was set as the structure which instruct | indicates with respect to the deposit system 40 and the exchange system 50 fundamentally, for example, the reconfirmation process is the exchange system 50 (exchange control part 51). ), And the processing may be closed only by the exchange system 50 and the deposit system 40.

  In the above embodiment, the servers 11 and 21 and the systems 40 and 50 having the DB are separated from each other. However, all the functions of the servers 11 and 21 and the functions of the deposit system 40 and the exchange system 50 are used. May be realized by one apparatus.

  In addition, the reconfirmation process is configured to be activated at a predetermined time interval. However, the reconfirmation process may be configured to be activated at a preset time which is a time zone where the processing load of the system is light, for example, after the end of business hours. .

1 is a block diagram showing a schematic configuration of a financial system 1. FIG. It is explanatory drawing (a) which shows the detail of surface balance DB, and explanatory drawing (b) which shows the detail of funding balance DB. It is explanatory drawing (a) which shows the detail of unprocessed transmission DB, explanatory drawing (b) which shows the detail of unprocessed cancellation time definition DB, and explanatory drawing (c) which shows the detail of deposit details DB. It is a flowchart which shows a transfer process. It is the flowchart (a) which shows a normal transfer process, and explanatory drawing (b) which shows the transfer of the funds by a normal transfer process. Flow chart showing unfunded transfer process (a), explanatory diagram (b) showing a part of the contents of the unprocessed outgoing DB in the unfunded transfer process, and explanatory diagram showing the transfer of funds by the unfunded transfer process ( c). It is a flowchart which shows a reconfirmation process. The flowchart (a) which shows a fund transfer process, explanatory drawing (b) which shows a part of the content of unprocessed transmission DB in the fund transfer process, explanatory drawing (c) which shows the movement of the fund by the fund transfer process . The flowchart (a) which shows cancellation processing, explanatory drawing (b) which shows a part of contents of unprocessed transmission DB in cancellation processing, and explanatory drawing (c) which shows the movement of the funds by cancellation processing. It is explanatory drawing (b) which shows a part of the content of unprocessed transmission DB in a change process, (a) which shows a change process, and explanatory drawing (c) which shows a part of the content of change DB. It is a flowchart which shows a change confirmation process. In a modification, it is a table | surface which shows the operation | movement content of the deposit system 40 and the exchange system 50 with respect to the instruction | indication from a server.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Financial system, 10 ... Bank network, 11 ... Internal server, 12 ... Own bank ATM, 13 ... Office processing terminal, 14 ... Central processing unit, 20 ... External network, 21 ... External server, 22 ... Personal PC, 23 ... mobile phone, 24 ... other company ATM, 30 ... internal communication line, 40 ... deposit system, 41 ... deposit control unit, 42 ... deposit DB, 50 ... exchange system, 51 ... exchange control unit, 52 ... exchange DB, 60 ... other Row server.

Claims (10)

A funded balance recording means for recording a funded balance not including unfunded funds of each customer in association with an identifier for identifying a plurality of customers;
In correspondence with the identifier, surface balance recording means for recording the surface balance including unfunded funds of each customer;
Upon receiving a transfer instruction specifying at least an identifier on the destination side representing the customer of the transfer source, an identifier on the destination side indicating the customer of the transfer destination, and the transfer amount, the funds on the destination side recorded in the funding balance recording means First determination means for determining whether or not the transfer amount designated by the transfer instruction can be withdrawn from the conversion balance;
When it is determined by the first determination means that the transfer amount can be deducted from the funding balance on the destination side, the recording amount is calculated by subtracting the funding balance and surface balance on the destination side by the transfer amount. Normal transfer means for causing the recording means to add and record the funded balance and the surface balance of the destination side by the amount of the transfer amount,
A transfer processing system comprising:
When it is determined by the first determination means that the transfer amount cannot be deducted from the funding balance on the destination side, the transfer instruction is recorded in a preset unprocessed information recording means, and the destination side Unbalanced transfer means for adding the surface balance of the amount of the transfer amount and recording it on the surface balance recording means,
A transfer processing system comprising: If it is determined by the first determining means that the transfer amount cannot be deducted from the funding balance on the destination side, the unfunded transfer means subtracts the surface balance on the destination side by the amount of the transfer The transfer processing system according to claim 1, wherein the surface balance recording unit records the information. When receiving the operation command, the transfer instruction recorded in the unprocessed information recording unit is extracted, the funding balance on the destination side relating to the transfer command is extracted from the funding balance recording unit, and the funding balance is recorded from the funding balance. Second determination means for determining whether or not the transfer amount specified in the transfer command can be withdrawn;
If it is determined by the second determination means that the transfer amount can be deducted from the funding balance on the destination side, the funding balance recording is performed by subtracting the money transfer balance on the destination side by the transfer amount. Retransfer means for recording in the means, adding the funded balance on the destination side by the amount of the transfer, and recording it in the funded balance recording means;
The transfer processing system according to claim 2, further comprising: The transfer processing system according to claim 3, further comprising an operation timing control unit that controls an operation timing of the second determination unit. 4. A first extraction disturbing unit that prevents the second determination unit from reading out the transfer command that has been processed by the retransfer unit from the unprocessed information recording unit. Or the transfer processing system of Claim 4. The unfunded transfer means causes the unprocessed information recording means to record a transfer instruction, and sets and records an unfunded flag indicating that the transfer process is not completed in response to the transfer instruction,
The second determination means extracts only the transfer instruction with an unfunded flag from the transfer process recorded in the unprocessed information recording means, and responds to the transfer instruction from the funding balance on the destination side. Determine whether it is possible to withdraw the transfer amount,
The said 1st extraction obstruction means cancels | releases the unfunded flag recorded on the said unprocessed information recording means corresponding to the transfer instruction | indication with which the process by the said retransfer means was implemented. The transfer processing system described. The first extraction interfering means performs processing by the retransfer means in place of an unfunded flag recorded in the unprocessed information recording means in response to a transfer instruction for which processing by the retransfer means has been executed. The transfer processing system according to claim 6, wherein a funded flag indicating that the payment has been made is set. Monitoring means for monitoring whether or not a preset allowable time has elapsed since the transfer instruction is recorded in the unprocessed information recording means;
When it is determined that the time after the transfer command is recorded by the monitoring unit has passed the allowable time, the transfer command is not read from the unprocessed information recording unit by the second determination unit. Second extraction disturbing means to
The transfer processing system according to any one of claims 3 to 7, further comprising: The second extraction disturbing unit sets a cancellation flag indicating that the transfer has been canceled in response to the transfer command for which the allowable time has elapsed since recording in the unprocessed information recording unit, and the unprocessed information recording unit To record,
The second determination means extracts a transfer instruction other than the transfer instruction in which the cancellation flag is set out of the transfer processes recorded in the unprocessed information recording means, and transfers the transfer instruction from the funding balance on the destination side. The transfer processing system according to claim 8, wherein it is determined whether or not a transfer amount corresponding to can be withdrawn. When it is determined that the time since the transfer instruction is recorded by the monitoring means has passed the permissible time, the surface balance on the destination side is added by the transfer amount and recorded on the surface balance recording means. The transfer processing system according to claim 8 or 9, further comprising cancellation transfer means for subtracting the surface balance on the destination side by the transfer amount and recording the surface balance on the surface balance recording means.

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