JP2009217780A - System, method, and program for processing money flow - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To apply the optimum interest condition in an account group of a plurality of accounts with a various interest condition set in every account set by fund transfer with a most favorable interest condition set as the topmost account of the hierarchic structure. <P>SOLUTION: A method for fund transfer includes the steps of: selecting the account with a most favorable interest condition set in the account groups; making the selected account as the higher account; classifying the accounts except for the higher account as the lower account in the hierarchical structure; and calculating an interest for the balance adjusted as a target balance set for respective lower accounts on the basis of the interest condition set at least for the higher account. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a fund transfer processing system, a fund transfer processing method, and a fund transfer processing program for executing a fund transfer process between a plurality of accounts, and in particular, based on an interest rate condition set for each account. The present invention relates to a fund transfer processing system, a fund transfer processing method, and a fund transfer processing program for executing a fund transfer processing based on a structured hierarchical structure.

  In recent years, when a plurality of accounts are provided in a company group or company, it is required to transfer funds between the plurality of accounts and efficiently use the funds in each account. Further, accounts in a company group or the like have a hierarchical structure in which other accounts are associated with a central account as a vertex.

In such a case, a system for centrally managing funds by concentrating funds on a general account has been proposed (for example, Patent Document 1). In the system disclosed in Patent Document 1, a general account (concentrated account) established in a company headquarters is linked to a pooling account of each company belonging to the group, and the balance of these pooling accounts is adjusted to a certain amount. By performing zero balance processing, it is intended to collectively manage the funds of each company. Furthermore, in Patent Document 1, each company employee's internal account is opened as a virtual account in a centralized account, and the internal account account or balance is taken into the centralized account. In addition to comprehensive management along with company accounts, the funds for handling concentrated accounts are increased.
JP 2005-107853 A

  However, in Patent Document 1, since the hierarchical structure of a central account that is a parent account and a pooling account that is a child account thereof is fixed, the handling of funds concentrated in the central account is a central account. The set interest rate condition (deposit interest rate for surplus funds or overdraft interest rate for shortage funds) will be applied. Therefore, the interest rate condition set for each account of each company belonging to the group is not necessarily the most advantageous interest rate, and as a result, it may be disadvantageous for the company group. This is because the interest rate condition is determined by the market price of the country in which the company has an account and the creditworthiness of the company, and is therefore set differently for each account of each company belonging to the group and varies daily.

  The present invention has been made in order to solve such a problem, and an account in which the most advantageous interest rate condition is set in an account group to which a plurality of accounts in which different interest rate conditions are set for each account belongs. To provide a fund transfer processing system, a fund transfer processing method, and a fund transfer processing program that can apply an optimal interest rate condition within the account group by executing fund transfer processing as a top-level account in a hierarchical structure With the goal.

  The fund transfer processing system according to the present invention executes fund transfer processing in an account group to which a plurality of accounts for which different interest rate conditions are set for each account belongs, based on the hierarchical structure of the account group. An account information storage unit for storing the account identification information for identifying the account, the balance information of the account, the interest rate condition, and the target balance in association with each other; and a control unit for executing a fund transfer process in the account group. The control unit includes an account selection unit that selects an account in which the most advantageous interest rate condition is set in the account group based on the interest rate condition stored in the account information storage unit, and the account selection unit. Account hierarchization means for hierarchizing the selected account as an upper account and an account other than the upper account as a lower account with respect to the upper account, and the target balance determined for each of the lower accounts An interest calculating means for calculating an interest when the balance is adjusted based on an interest rate condition stored in the account information storage unit for at least the upper account.

  Further, the account group has a hierarchical structure of at least two layers in the initial setting, and the account stratification means is configured such that the account selected by the account selection means is an account in a lower hierarchy of the account group in the initial setting. The selected account and the account of the upper hierarchy of the account group may be exchanged to be hierarchized.

  Further, in the account group, the highest-level account in the initial setting may be a pseudo account that is excluded from the selection target by the account selection means.

  In addition, it is preferable to further include an interest allocation calculation unit that calculates an interest allocated to the account from the interest calculated by the interest calculation unit based on a predetermined condition.

  The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in the initial setting, The accounts of 2 belong to different regions, and when the balance and interest rate conditions for each region are determined, the account balances and interest rate conditions that belong to the region are acquired and stored in the account information storage unit. The information acquisition means is further provided, and the account selection means sets the most advantageous interest rate condition among the accounts belonging to the area at predetermined intervals after the balance and interest rate condition are determined for each area. After an account is selected as a higher level account and processing for all regions is completed, the highest level account for each region and the account for which the most favorable interest rate condition is set in the first account are set as the highest level account. Select and previous The account hierarchization unit hierarchizes the top account selected by the account selection unit as a first account and a higher level account for each region other than the top level account as a lower level account of the top level account. It is good to.

  The account information storage unit may further store an exchange rate in association with the account identification information, and the account selection means may select an account based on the interest rate condition and the exchange rate.

  In the fund transfer processing method according to the present invention, in an account group to which a plurality of accounts for which different interest rate conditions are set for each account belongs, the fund transfer processing is executed based on the hierarchical structure of the account group. Based on the interest rate condition, an account selection step for selecting an account in which the most advantageous interest rate condition is set in the account group, and an account selected by the account selection step is set as an upper account, and other than the upper account Tiering as a lower account for the higher level account, and an interest when adjusting the balance so that the target balance is determined for each of the lower level accounts at least for the higher level account An interest calculation step for calculating based on a set interest rate condition.

  In addition, the account group has a hierarchical structure of at least two layers in the initial setting, and the account stratification step is performed when the account selected in the account selection step is an account in a lower hierarchy of the account group in the initial setting. The selected account and the account of the upper hierarchy of the account group may be exchanged to be hierarchized.

  Further, in the account group, the highest-level account in the initial setting may be a pseudo account that is excluded from the selection target by the account selection means.

  In addition, it is preferable to further include an interest allocation calculation step of calculating an interest allocated to the account from the interest calculated in the interest calculation step based on a predetermined condition.

  The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in the initial setting, The accounts of 2 belong to different regions, and when the balance and interest rate conditions for each region are determined, the account balances and interest rate conditions that belong to the region are acquired and stored in the account information storage unit. An information acquisition step is further provided, and in the account selection step, the most advantageous interest rate condition among the accounts belonging to the region is set at predetermined intervals after the balance and interest rate condition are determined for each region. After an account is selected as a higher level account and processing for all regions is completed, the highest level account for each region and the account for which the most favorable interest rate condition is set in the first account are set as the highest level account. Selection In the account hierarchization step, the highest account selected in the account selection step is set as a first account, and a higher level account for each region other than the highest level account is set as a lower level account of the highest level account. It is good to make it.

  Further, an exchange rate may be further set for the account, and the account selection step may select an account based on the interest rate condition and the exchange rate.

  The fund transfer processing program according to the present invention causes a computer to execute a process of transferring funds based on a hierarchical structure of the account group in an account group to which a plurality of accounts having different interest rate conditions set for each account belongs. is there. Based on the account information storage unit for storing the account identification information for identifying the account and the balance information of the account, the interest rate condition, and the target balance in association with each other, and the interest rate condition stored in the account information storage unit, An account selection means for selecting an account for which the most advantageous interest rate condition is set in the account group, an account selected by the account selection means as an upper account, and an account other than the upper account as a subordinate to the upper account. Account hierarchization means for hierarchizing as an account, and interest when the balance is adjusted so as to be the target balance determined for each of the lower accounts is stored in the account information storage unit for at least the upper account Interest calculation means for calculating based on the determined interest rate condition.

  Further, the account group has a hierarchical structure of at least two layers in the initial setting, and the account stratification means is configured such that the account selected by the account selection means is an account in a lower hierarchy of the account group in the initial setting. The selected account and the account of the upper hierarchy of the account group may be exchanged to be hierarchized.

  In addition, it is preferable to further include an interest allocation calculation unit that calculates an interest allocated to the account from the interest calculated by the interest calculation unit based on a predetermined condition.

  The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in the initial setting, The accounts of 2 belong to different regions, and when the balance and interest rate conditions for each region are determined, the account balances and interest rate conditions that belong to the region are acquired and stored in the account information storage unit. The information acquisition means is further provided, and the account selection means sets the most advantageous interest rate condition among the accounts belonging to the area at predetermined intervals after the balance and interest rate condition are determined for each area. After an account is selected as a higher level account and processing for all regions is completed, the highest level account for each region and the account for which the most favorable interest rate condition is set in the first account are set as the highest level account. Select and previous The account hierarchization unit hierarchizes the top account selected by the account selection unit as a first account and a higher level account for each region other than the top level account as a lower level account of the top level account. It is good to.

  The account information storage unit may further store an exchange rate in association with the account identification information, and the account selection means may select an account based on the interest rate condition and the exchange rate.

  According to the present invention, in an account group to which a plurality of accounts for which different interest rate conditions are set for each account belongs, the fund transfer process is executed with the account for which the most advantageous interest rate conditions are set as the highest-level account in the hierarchical structure. By doing so, it is possible to provide a fund transfer processing system, a fund transfer processing method, and a fund transfer processing program that can apply an optimal interest rate condition within the account group.

  Hereinafter, specific embodiments to which the present invention is applied will be described in detail with reference to the drawings. In the drawings, the same elements are denoted by the same reference numerals, and redundant description will be omitted as necessary for the sake of clarity. In the following description, all interest rates are assumed to be daily interest rates, but are not limited thereto.

Embodiment 1 of the Invention
FIG. 1 is a block diagram showing an overall configuration including a fund transfer processing system 1 according to the present embodiment. The money transfer processing system 1 is connected to an Asian regional accounting system 21, a European regional accounting system 22, an Americas regional accounting system 23, and a terminal 3. The money transfer processing system 1 may be connected to the Asian regional accounting system 21, the European regional accounting system 22, the Americas regional accounting system 23, and the terminal 3 via a bus or cable, They may be connected via any communication network.

  Here, the account to be processed by the fund transfer processing system 1 according to the present embodiment has, for example, three hierarchical structures: a parent account, a child account, and a grandchild account. The parent account is, for example, a general account of a parent company in a company group or an account of a general management department of a head office in a company. The child account is associated with the parent account of the upper layer, and each child account can transfer funds to the associated parent account. Further, the grandchild account is associated with the child account above it, and each child account can transfer funds to the associated child account.

  The child account in the present embodiment may be an account representing an overseas region or base, for example, an account of a subsidiary in a company group. In addition, the grandchild account in the present embodiment may be an account belonging to each region or base, for example, an account of a grandchild company in a company group, or an account of a branch, branch office, or sales office in the company. The account according to the present embodiment may be a liquid deposit account such as a checking account or a savings account.

  Further, in the present embodiment, a set of a plurality of accounts having two levels of one upper account and a lower account associated with the upper account is defined as one account group. In addition, a set of a plurality of accounts of two levels, each subordinate account in the account group and a lower level account associated with the subordinate account, is set as another account group. For example, two levels of a parent account and a child account are set as one account group, and similarly, two levels of each child account and a grandchild account associated with the child account are set as one account group.

  Further, for the lowest account, only the lowest account may be an account group. For example, if there is no lower account associated with the child account, the child account is the lowest account, but the account group has the child account as the upper account.

  The money transfer processing system 1 is configured by a computer system and includes a control unit 11 and a database 12. Furthermore, the funds transfer processing system 1 has a configuration (not shown) that allows data input to and from external devices such as the Asian regional accounting system 21, the European regional accounting system 22, the Americas regional accounting system 23, and the terminal 3. An input / output control circuit that performs control for executing output is provided.

  The control unit 11 executes various arithmetic processes for realizing the money transfer processing system 1. The control unit 11 includes a CPU (Central Processing Unit) and storage means such as a ROM (Read Only Memory) and a RAM (Random Access Memory) connected to a bus. In the control unit 11, the CPU is based on the main program, the program expanded in the RAM, temporarily stored data, and the like, based on the Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system. 23, data transfer processing to the terminal 3 and arithmetic processing are executed. The RAM functions as a storage unit that temporarily stores data. The program expanded in the RAM includes a computer program that can execute the fund transfer process of the present invention.

  The database 12 is a storage unit (storage unit) that stores data, and includes a memory, a hard disk, and the like. The database 12 according to this example includes a condition information storage unit 121, an account information storage unit 122, and a fund transfer information storage unit 123.

  The condition information storage unit 121 stores condition information regarding fund transfer (hereinafter simply referred to as “condition information”). The condition information is input from the terminal 3 to the fund transfer processing system 1 and stored in the condition information storage unit 121 by the control unit 11 of the fund transfer processing system 1. The condition information includes, for example, structure information that associates accounts, target balance information of each account, fund transfer reference date, execution timing, base information to which each account belongs, and regional information to which each base belongs.

  In this embodiment, the structure information is expressed as follows, where the hierarchy number is x = 1 to i and the number (identification number of the account in the same hierarchy) is y = 1 to j.

  Account: xay (x-1) ay (x-2) ay ... 1a1

  Here, “xay” specifies the hierarchy level of the target account to be represented and the identification information of the account in the hierarchy, and “(x−1) ay” is the immediately higher rank for this target account. It is the hierarchy level of the account linked | related with the said object account in a hierarchy level, and the identification information of the said account in the hierarchy. Similarly, information specifying the account associated with the target account is arranged up to the highest account (parent account). Therefore, it is possible to identify the information specifying the target account and the information specifying the higher-level account associated with the target account by the structure information in such an expression format. Note that the structure information is not limited to that described above.

  The target balance information is information for specifying a balance indicating the amount to be left in each account by the fund transfer process. For example, when the balance is adjusted to zero, the target balance is zero, and when the balance is 10 million yen, the target balance is 10 million yen.

  The fund transfer reference date is a date on which the fund transfer is executed, can be set for each account, and can be transferred on a different date for each account. The fund transfer reference date can be specified by daily, weekly, date designation, or monthly.

  The execution timing is information for specifying when to execute the fund transfer process within one day, and the maximum number of times of execution per day can be set any number of times.

  The base information includes information on bases that belong to regions such as the Asian region, member countries such as China, and cities such as Shanghai.

  The account information storage unit 122 stores account information including a store number, an account number, an account name, balance information, a base to which the account belongs, an account interest rate set for each account, and the like. Here, the account interest rate is a deposit interest rate that is applied when the balance is positive, and an overdraft interest rate that is applied when the balance is negative. Further, the account interest rate is an interest rate determined for each country and each account, and fluctuates every day, and is determined after the end of business hours of each base every day.

  Specifically, the account information storage unit 122 has an account information table (account information TBL) that stores account information. The account information TBL includes a number (No) for identifying data in the account information TBL, a base to which the account belongs, an account name, a system key that is structure information of the account, a deposit interest rate that is an account interest rate, and an overdraft interest rate, and , The account balance which is the balance of the account (US dollars), etc. are stored as one record. Note that the configuration of the account information TBL is not limited to this.

  Furthermore, a pseudo account that is an account that does not actually exist can be set in the account information TBL according to the present embodiment. The pseudo account has a temporary value set in the account information, and is regarded as an account in which the most unfavorable interest rate condition is set in the fund transfer process according to the present embodiment described later. For example, the deposit interest rate of the pseudo account is set to 0%, which is the most unfavorable interest rate condition, and the overdraft interest rate of the pseudo account is set to 0%, but in this case, the interest rate condition is not compared. . In addition, the account balance of the pseudo account is set to 0 $.

  The pseudo account can be set in any hierarchy. In particular, by using a pseudo account as a parent account, it is not necessary to set a parent account in the group in advance, and the funds transfer processing according to the present embodiment allows the parent account to be compared with other accounts having optimal interest rate conditions every day. Can be used to swap accounts.

  The fund transfer information storage unit 123 stores fund transfer information that is a drafting instruction. In the funds transfer information, an account and a transfer amount are associated with the Debit side and the Credit side.

  In FIG. 1, an Asian regional account system 21 handles accounts in related companies based in countries or cities belonging to the Asian region, and the Asian region is a base in Hong Kong, Singapore, for example. The European regional account system 22 handles accounts in related companies based in countries or cities belonging to the European region. The European region is a base such as London, for example. The Americas region account system 23 handles accounts in related companies based in the United States or cities belonging to neighboring countries, and the Americas region is a base in New York, for example. The Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system 23 are connected to a cash management system (CMS, not shown), and the CMS is a user terminal (not shown) at each base. ) And a communication network. Further, the Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system 23 may be configured by accounting systems for a plurality of bases in each region.

  The Asian regional account system 21, the European regional account system 22, and the Americas regional account system 23 execute registration processing for each account and fund transfer processing between accounts. The accounting system in Japan (not shown) is connected to the Zengin System, which is a computer system installed in the National Bank Association. In addition, accounting systems in Japan and overseas are connected to SWIFT (Society for Worldwide Interbank Financial Telecommunication), and international funds settlement is performed via SWIFT. Note that both the accounting system including the Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system 23 and the fund transfer processing system 1 can be mounted on a single host computer. is there. The CMS is a system that executes various processes including a process of providing funds transfer information to the user in response to an inquiry request from the user.

  Next, the flow of fund transfer processing in the fund transfer processing system 1 according to the present embodiment will be described. FIG. 2 is a flowchart showing the entire funds transfer process. First, as a premise of the fund transfer process of FIG. 2, it is assumed that the condition information has been registered in advance by the registration process of the fund transfer processing system 1. In the registration process, the condition information is registered using the terminal 3. Specifically, when the operator inputs condition information to the terminal 3 using input means (keyboard, mouse, external medium reading device), the condition information is transmitted to the money transfer processing system 1. The control unit 11 of the money transfer processing system 1 receives the condition information and stores it in the condition information storage unit 121.

  Thereafter, the fund transfer processing system 1 starts the fund transfer processing based on the execution timing on the fund transfer reference date stored in the condition information storage unit 121. Here, it is assumed that the fund transfer reference date is daily and the execution timing is after the end of business hours of all bases belonging to the Americas region. In addition, the funds transfer process will be completed before the start of business hours in Japan the next day if the process is executed normally. The fund transfer process may be executed not only in accordance with the fund transfer reference date and execution timing stored in the condition information storage unit 121 but also in response to an input of an execution request for the fund transfer process to the terminal 3. Good.

  In FIG. 2, first, the control unit 11 of the fund transfer processing system 1 acquires account information of each base (S11). Specifically, the control unit 11 receives each account information at the end of business hours on the day, that is, an account interest rate, from the Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system 23. The account balance is acquired and stored in the account information storage unit 122. At this time, since account information up to the previous day is stored in the account information TBL, the control unit 11 updates the account interest rate and the account balance of the record in which the account name corresponding to the account information TBL is stored. In addition, step S11 may be performed after the business hours of each base end. In that case, what is necessary is just to acquire account information for every base.

  Next, the control part 11 performs the optimal hierarchization process of the account group of a process target (S12). Specifically, the control unit 11 refers to the account information storage unit 122, selects an account for which the most advantageous interest rate condition is set in the account group to be processed, and selects the upper account in the account group. The hierarchical structure in the account group is reconfigured as follows. At this time, if the total balance of the account group is positive, the most advantageous interest rate condition is the highest deposit interest rate, and the higher level account is the account with the highest deposit interest rate. If the total balance of the account group is negative, the most advantageous interest rate condition is the lowest overdraft interest rate, and the upper account is the account with the lowest overdraft interest rate. The account group optimum tiering process will be described in detail with reference to FIGS.

  Subsequently, the control unit 11 performs fund transfer calculation (S13). Specifically, the control unit 11 refers to the condition information storage unit 121 for the account balances of lower-level accounts other than the highest-level account based on the hierarchical structure in the account group configured in step S12. Adjust the balance to be the target balance. That is, the control unit 11 concentrates the funds by moving the surplus funds, which are the difference between the target balance and the account balance with a positive difference, to the highest level account. Further, the control unit 11 distributes funds by transferring funds for the shortage funds that are the difference between the target balance and the account balance from the highest-level account. And the control part 11 produces | generates the money amount adjusted with each account as fund transfer information, and stores it in the fund transfer information storage part 123. FIG.

  Note that the fund transfer calculation based on the hierarchical structure in step S13 is well known as a known technique, and thus detailed description thereof is omitted here. For example, Japanese Patent Application No. 2006-261999 related to an earlier application by the same applicant as the present application proposes a fund transfer processing system that realizes fund concentration processing in a plurality of accounts having a hierarchical structure. In this case, the fund transfer calculation in step S13 can be realized by using the hierarchical structure in the account group configured in step S12 as input and using the fund concentration process according to the previous application.

  After that, the control unit 11 performs fund transfer drafting instruction data creation and distribution processing (S14). Specifically, the control unit 11 generates a draft instruction based on the fund transfer information generated for each account by the fund transfer calculation, and stores it in the fund transfer information storage unit 123. The drafting instruction is fund transfer information that specifies a request for causing the Asian regional account system 21, the European regional account system 22, and the Americas regional account system 23 to execute the transfer of funds between accounts. Then, the control unit 11 distributes a drafting instruction to the Asian regional accounting system 21, the European regional accounting system 22, and the Americas regional accounting system 23.

Subsequently, the control unit 11 performs interest calculation (S15). Specifically, based on the account balance in each account calculated by the fund transfer calculation in step 13, interest is obtained by applying an interest rate condition for each account. When the account balance is positive, the deposit interest rate is applied, and the interest is calculated by equation (1). Further, when the account balance is negative, the overdraft interest is applied, and the interest is calculated by the equation (2).
Interest = Account balance × Deposit interest rate of the account (1)
Interest = Account balance × Overdraft interest of the account (2)

  Then, the control part 11 performs the drafting instruction data creation of an interest book, and a delivery process (S16). Specifically, the control unit 11 generates a drafting instruction based on the interest in each account calculated by interest calculation, and stores it in the fund transfer information storage unit 123. The draft instruction data creation and distribution process is the same as step S14, and thus the description thereof is omitted.

  In this way, the above-described fund transfer process generates a hierarchical structure in which the most advantageous interest rate condition is set as the parent account in the account group to be processed, and the funds transfer is performed based on the hierarchical structure. Done. At this time, if the total balance of the account group is positive, surplus funds are concentrated in the highest level account while solving the shortage of funds in the lower level accounts. Therefore, the interest rate condition set in the highest account, that is, the highest deposit interest rate in the account group is applied to the surplus funds that are the account balance of the highest account, and the optimum profit is obtained for the entire account group. be able to.

  On the other hand, when the total balance of the account group is negative, funds are allocated from the highest level account, so that the shortage of funds in the lower level account is resolved and the shortage funds of the account group are concentrated in the highest level account. Therefore, for the shortage funds that are the account balance of the highest level account, the interest rate condition set for the highest level account, that is, the lowest overdraft interest rate in the account group is applied, and the disadvantage for the entire account group is minimized. To the limit.

  FIG. 3 is a flowchart showing a flow of the optimum tiering process of accounts in the fund transfer processing system according to the present embodiment. First, the control unit 11 calculates the total balance A in the account group (S110). Specifically, the control unit 11 refers to the account information storage unit 122 and totals all account balances in the account information TBL to obtain a balance total A.

  Next, the control part 11 determines whether the balance total A is 0 or more (S111). When it is determined that the balance total A is equal to or greater than 0, the control unit 11 sets the interest rate to be compared when comparing the interest rate conditions between accounts in the subsequent processing as “deposit interest rate” (S112). Specifically, the control unit 11 stores the comparison target interest rate set as “deposit interest rate” in the RAM. If it is determined in step S111 that the total balance A is less than 0, the control unit 11 sets the comparison target interest rate as “overdraft interest” (S113). Specifically, the control unit 11 stores a comparison target interest rate set as “overdraft interest” in the RAM. Thereby, the control part 11 can judge the account interest rate which should be acquired from the account information TBL by referring the comparison object interest rate when comparing the interest rate conditions between accounts later.

  Here, the subsequent processing is performed from one level higher than the lowest level to the highest level (counter m = 1, 2,..., I), and each account (counter n = 1, 2,..., N) is processed for each account group having a higher level account. For example, when the account group has three levels, when the counter m = 1, for each account located in the level “2” that is one level higher than the level “3”, the account of the level “2” is set as the level account. And each account group as a lower account associated with the upper account is a processing target. Further, when the counter m = 2, for the account of the hierarchy “1” that is one level higher than the hierarchy “2”, that is, the highest account, the highest account is the higher account, and when m = 1, An account group having a lower-level account “2” as a higher-level account is a processing target.

  Returning to FIG. Subsequently, the control unit 11 assigns 1 to the counter m (S114). And the control part 11 determines whether the counter m is less than the hierarchy total number i (S115). If the counter m is determined to be greater than or equal to the total number of hierarchies i, the account to be processed has reached the highest level, and therefore the optimal hierarchization process for accounts is terminated. When it is determined that the counter m is less than the total number i of the hierarchy, the control unit 11 sets the total number N of accounts in the hierarchy “im” (S116). Specifically, the control unit 11 refers to the account information storage unit 122, calculates the number of accounts in the hierarchy “im” from the system key in the account information TBL, and stores it in the RAM.

  Subsequently, the control unit 11 assigns 1 to the counter n (S117). And the control part 11 determines whether the counter n is below the account total number N (S118). If it is determined that the counter n is greater than the total number N of accounts, the account to be processed in the hierarchy is processed, and the process proceeds to step S121. When it is determined that the counter n is equal to or less than the total number N of accounts, the control unit 11 performs an account replacement process (S119).

FIG. 4 is a flowchart showing the flow of the account replacement process in the fund transfer processing system according to the present embodiment. In the account replacement process, first, the control unit 11 sets the n-th account in the hierarchy “i-m” as an upper account (S130). Specifically, the control unit 11 refers to the account information storage unit 122, reads the system Key in the account information TBL is account information is _{(i-m) a n ···} , stored in the RAM as a higher account To do. The account information read by the control unit 11 from the account information TBL and stored in the RAM may be any value that can identify the account information such as the system key and the account name.

  Next, the control unit 11 selects an account for which the most advantageous interest rate condition is set from among the comparison target interest rates of the upper account and the lower account (S131). Specifically, first, the control unit 11 obtains the comparison target interest rate from the RAM, and from the account information storage unit 122, based on the comparison target interest rate, the account interest rate of the higher order account and all of the items associated with the higher order account. Get the account interest rate and subordinate account. Next, the control unit 11 compares each of the acquired account interest rates, identifies an account for which the most advantageous interest rate condition is set, and reads account information of the account from the account information TBL. At this time, the pseudo account is always an account in which the most unfavorable interest rate condition is set. For example, pseudo accounts may not be compared. That is, when the pseudo account is an upper account, the lower account is always identified as the account for which the most advantageous interest rate condition is set.

  Thereafter, the control unit 11 determines whether or not the selected account is a higher-level account (S132). Specifically, the control unit 11 compares the read account information (selected account) with the account information of the higher-level account stored in the RAM, and determines whether or not they match. If it is determined that they match, the account is not replaced and the process is terminated. If it is determined that they do not match, the control unit 11 swaps the hierarchical positions of the selected account and the higher-level account (S133). Specifically, the control unit 11 updates the account information storage unit 122 by replacing the values of items other than the system key in the account information TBL for the selected account and the higher-level account.

  Returning to FIG. Thereafter, the control unit 11 adds 1 to the counter n (S120). Subsequently, the process proceeds to step S118, and while the counter n is equal to or less than the total number N of accounts, the account replacement process in step S118, step S119, and step S120 are repeated for the account corresponding to the hierarchy “im”. When it is determined that the counter n is greater than the total number N of accounts, the control unit 11 adds 1 to the counter m (S121). Then, it progresses to step S115 and repeats step S115 thru | or S121 with respect to the account of each hierarchy, while the counter m is less than the hierarchy total i. If the counter m is determined to be greater than or equal to the total number of hierarchies i, the optimal hierarchization process for accounts is terminated.

  As described above, by the above-described optimal hierarchy processing of accounts, it is possible to generate a hierarchical structure in which an account in which the most advantageous interest rate condition is set in the account group is arranged as a top-level account. In other words, in the two-level account group, an account for which the most advantageous interest rate condition is set is arranged in the upper account. A hierarchical structure is similarly generated in other account groups in the same hierarchy. Thereafter, a hierarchical structure is similarly generated in an account group that is one level higher than the upper account of each account group. Therefore, it is possible to perform the fund transfer calculation in the hierarchical structure of the account in which the optimum account is selected as the top-level account based on the interest rate condition that varies from day to day.

  Next, a processing example in which the fund transfer processing system 1 according to the present embodiment is applied to an account group having three levels will be described. FIG. 5A is a diagram illustrating a hierarchical structure of account groups that are input to the fund transfer processing system 1. FIG. 5B is a diagram showing a hierarchical structure of application results of the account group fund transfer processing system 1 shown in FIG.

  First, the hierarchical structure shown in FIG. 5A has been registered in the fund transfer processing system 1 in advance. In FIG. 5A, the parent account is a pseudo account, and the child accounts are an SP account A that is a representative account of a Singapore base, an HK account A that is a representative account of a Hong Kong base, and an LN that is a representative account of a London base. An account A and a NY account A which is a representative account of the New York base. The grandchild account is an account other than the representative account of each base. That is, three accounts belonging to the account group 51 are hierarchized in the Singapore base, three accounts belonging to the account group 52 are hierarchized in the Hong Kong base, and belong to the account group 53 in the London base. Three accounts are hierarchized, and only one account belongs to the account group 54 in the New York base.

  Next, the account information TBL50 shown in FIG. 6 is obtained by the account information acquisition process shown in step S11 of FIG. FIG. 6 is a diagram illustrating a state of the account information TBL50 after acquiring the account interest rate and the account balance. At this time, in the account information TBL50, the account interest rate and the account balance of each account have been updated. Further, the account group 51, the account group 52, the account group 53, and the account group 54 can be identified by the system key of the account information TBL50.

  Subsequently, the account information TBL50 shown in FIGS. 7 and 8 is obtained by the optimum tiering process of the account in step S12 of FIG. FIG. 7 is a diagram illustrating a state of the account information TBL50 after the account replacement process of the hierarchy 2 and the hierarchy 3 is completed. FIG. 8 is a diagram illustrating a state of the account information TBL50 after the account replacement process of the hierarchy 1 and the hierarchy 2 is completed.

  In the optimal tiering process of accounts, first, the balance total A is 120 $ from the account information TBL50, so the comparison target interest rate is set to “deposit interest rate”. Then, in the counter m = 1, the hierarchy “2” obtained by subtracting the counter m = 1 from the total hierarchy number i = 3 is the hierarchy to be processed. At this time, since the hierarchy “2” has four accounts of the SP account A, the HK account A, the LN account A, and the NY account A, the total number of accounts N = 4.

  Thereafter, when the counter n = 1, the account replacement process shown in FIG. That is, the SP account A, which is the first account in the hierarchy “2”, is set as the upper account (S130), and the SP account A, the SP account B, which is the lower account of the SP account A, and the SP account C are the most The SP account B set with an advantageous deposit interest rate of 3.00% is selected (S131). Since the selected SP account B is not an upper account, the positions of the SP account A and the SP account B are switched as shown in S133a of FIG. 7 (S133).

  Similarly, when the counter n = 2, the account group 52 is a processing target, and the positions of the HK account A and the HK account B are switched as shown by S133b in FIG. 7 (S133). When the counter n = 3, the account group 53 is a processing target, and the LN account A for which the most advantageous deposit interest rate of 3.00% is set is selected. Here, since the LN account A is a higher-order account in the account group 53, no replacement is performed. Further, when the counter n = 4, the account group 54 is a processing target. At this time, the NY account A having the most advantageous deposit interest rate of 3.00% is selected, but no replacement is performed because there is no lower-level account. Note that when an account group having no subordinate account is to be processed, the account replacement process itself of FIG. 4 need not be performed.

  Further, in the counter m = 2, the hierarchy “1” is the hierarchy to be processed. At this time, since the hierarchy “1” includes one pseudo account, the total number of accounts N = 1. When the counter n = 1, the account replacement process shown in FIG. 4 sets the pseudo account as a higher-level account (S130). At this time, the lower account of the pseudo account is the SP account B which is the higher account of the account group 51, the HK account B which is the higher account of the account group 52, the LN account A which is the higher account of the account group 53, and the account This is NY account A, which is an upper account of group 54. Subsequently, the HK account B having the most advantageous deposit interest rate of 4.00% is selected from the pseudo account, the SP account B, the HK account B, the LN account A, and the NY account A (S131). . Since the selected HK account B is not a higher-level account, the positions of the pseudo account and the HK account B are switched as shown in S133c of FIG. 8 (S133).

  Thereafter, the final balance as shown in FIG. 11 is calculated by the fund transfer calculation in step S13 of FIG. FIG. 11 is a diagram showing a state of the bill draft TBL by the fund transfer calculation according to the first embodiment of the present invention. First, each account balance at the time of FIG. 8 is set to the initial balance 550 of the account draft TBL55 of FIG. The initial balance 550 is an initial balance at the counter m = 1. Then, the final balance 551 at the counter m = 1 is calculated by the fund concentration and distribution process 561. Here, the meaning of the counter m is the same as in FIG.

  Next, the final balance 551 is set as the initial balance 552 at the counter m = 2, and the final balance 553 at the counter m = 2 is calculated by the fund concentration and distribution process 562. Note that the details of the fund concentration and allocation processing 561 and the details of the fund concentration and allocation processing 562 are not limited to the description and illustration, for example, as long as it is the fund concentration and allocation processing according to the previous application. To do.

  Thereafter, the actual transfer of funds is performed by the creation and distribution processing of drafting instruction data for transfer of funds in step S14 in FIG. 2, and the hierarchical structure and account balance shown in FIG. 5B are obtained.

  Then, deposit interest as shown in FIG. 9 is calculated by interest calculation in step S15 of FIG. FIG. 9 is a diagram illustrating a state of the account information TBL50 after the fund transfer calculation and the interest calculation. First, the final balance 553 is set as the account balance 554 of the account information TBL50. Next, deposit interest 555 is calculated from the account balance 554 based on the above-described equation (1). Here, the deposit interest of the parent account HK account B is 4.80 $, and the deposit interest of other accounts is 0 $. Therefore, the deposit interest total 556 is also 4.80 $. That is, by applying the fund transfer processing system 1 according to the present embodiment, it is possible to generate a deposit interest of 4.80 $ for the entire account group shown in FIG.

  On the other hand, FIG. 10 is a figure which shows the state of the account information TBL after not calculating the fund transfer processing system 1 concerning Embodiment 1 of this invention, ie, the conventional interest calculation. In FIG. 10, an account balance 557 is an initial account balance, and deposit interest 558 is calculated from the account balance 557 based on the equations (1) and (2). The total deposit interest 559 is 2.11 $. That is, if the fund transfer processing system 1 according to the first embodiment of the present invention is not applied, only a deposit interest of 2.11 $ is generated for the entire account group shown in FIG.

  From the above, since the money transfer processing system 1 according to the first embodiment of the present invention can apply the optimal interest rate condition in the account group, the profit in the account group can be increased compared to the conventional case. it can.

Embodiment 2 of the Invention
In the fund transfer processing system 1 according to the first embodiment of the invention described above, the funds are concentrated on the parent account, so the interest is paid only to the parent account. Therefore, there is a problem that interest is not paid to an account other than the parent account. Therefore, in the present embodiment, in order to solve the above-described problem, the funds transfer processing system 1 is modified so that the interest in the entire account group can be distributed within the account group based on a predetermined condition. It is.

  Compared with the fund transfer processing system 1 according to the first embodiment of the present invention described above, the fund transfer processing system according to the present embodiment includes interest calculation pattern information for performing interest distribution in the condition information storage unit 121, and interest distribution. It is a further addition of information. Further, the interest calculation pattern information and the interest distribution information are registered in advance using the terminal 3. The overall configuration including the fund transfer processing system according to the present embodiment is the same as that shown in FIG.

  The interest calculation pattern information is information representing a calculation type for performing interest distribution. For example, interest in each account based on information to select net bookkeeping or gross bookkeeping and interest payment in a parent account, or allocation interest rate, account balance ratio, equal distribution, or specified ratio distribution This is information for selecting a distribution method.

  Here, net bookkeeping means that the entire amount of interest generated by the funds transfer process is to be allocated, and gross bookkeeping is caused by interest generated by the money transfer process and by not performing the money transfer process This means that only the pooling benefit, which is the difference from interest, is allocated. Also, the allocation interest rate refers to the allocation of interest based on the minimum applicable interest rate for accounts other than the parent account. The account balance ratio means that interest is allocated based on the ratio of the account balance before the fund transfer process. Equal allocation refers to distributing interest evenly to each account in an account group. The designated ratio distribution refers to the interest distribution based on the ratio in the account group designated in advance for each account.

  The interest distribution information is an actual ratio for each account corresponding to the above-described method for distributing interest to each account.

  As described above, in the fund transfer processing system according to the present embodiment, the interest generated by the fund transfer process can be selected from either net bookkeeping or gross bookkeeping, and the interest is batched to the parent account, or It is possible to select whether to distribute interest according to a predetermined condition. Furthermore, in the case of interest distribution, it is possible to select whether the distribution interest rate, the account balance ratio, the equal distribution, or the designated ratio distribution.

  FIG. 12 is a flowchart showing the flow of fund transfer processing in the fund transfer processing system according to the present embodiment. In FIG. 12, compared to FIG. 2, step S14 is removed, and an interest distribution calculation process (S15a) is added between steps S15 and S16.

  In the present embodiment, step S14 in FIG. 2 is removed, so that a national pooling service in which no actual money transfer is performed within the account group to be processed is provided. With the national pooling service, it is possible to generate the same effect as when funds are actually transferred without causing borrowing by funds transfer between accounts, particularly between companies. In the account information TBL of the fund transfer processing system, it can be considered that the fund transfer is virtually performed by the fund transfer calculation in step S13, so that it is not necessary to actually cause each account system to perform the process. This is because the interest calculation after concentration and allocation can be performed.

  Hereinafter, step S15a will be described, and other processes are denoted by the same reference numerals, and description thereof will be omitted. Here, the interest calculation pattern information is assumed to be net bookkeeping and equal distribution.

  The control unit 11 performs interest distribution calculation after the interest calculation in step S15 (S15a). Specifically, first, the control unit 11 refers to the account information storage unit 122 and acquires the deposit interest of the parent account in the account information TBL. Next, the control unit 11 divides the acquired deposit interest by the total number of accounts in the account group to be processed, and calculates a post-allocation deposit interest for each account.

  Next, a processing example in which the fund transfer processing system according to the present embodiment is applied to an account group having two levels will be described. FIG. 13A is a diagram showing a hierarchical structure of account groups that are input to the fund transfer processing system according to the present embodiment. FIG. 13B is a diagram showing a hierarchical structure of application results of the fund transfer processing system according to the present embodiment for the account group shown in FIG.

  First, the hierarchical structure shown in FIG. 13A is registered in advance in the fund transfer processing system. In FIG. 13A, the parent account is a pseudo account, and the child accounts are an SP account that is a Singapore-based account, an HK account that is a Hong Kong-based account, an LN account that is a London-based account, and a New York location. This is a NY account. The parent account and the child account belong to the account group 57.

  Next, in steps S12, S13, S15, and S15a in FIG. 12, the state of the account information TBL shown in FIG. 15 is obtained. FIG. 15 is a diagram illustrating a state of the account information TBL 61 after the interest calculation when the fund transfer processing system according to the second embodiment of the present invention is applied. The pseudo account record is not shown because it does not affect the processing.

  In the optimum tiering process of the account in step S12 of FIG. 12, the most advantageous HK account set with a deposit interest rate of 4.00% is selected (S131). Then, the positions of the pseudo account and the HK account are exchanged (S133).

  Thereafter, as shown in FIG. 15, the account balance 611 after the fund transfer calculation is calculated by the fund transfer calculation in step S13 of FIG. In this case, since it is a national pooling service, no actual money transfer is performed, but it is considered in the account information TBL 61 that money is transferred.

  Then, deposit interest 612 before allocation is calculated from the account balance 611 after funds transfer calculation by the interest calculation in step S15 of FIG. Here, the deposit interest of the parent account HK account is 4.80 $, and the deposit interest of other accounts is 0 $. Therefore, the deposit interest total 613 is also 4.80 $.

  Thereafter, the post-allocation interest interest 614 is calculated by the interest allocation calculation in step S15a of FIG. That is, it is 1.20 $ for each of the SP account, HK account, LN account, and NY account. Therefore, the post-allocation deposit interest 614 can be allocated to an account other than the parent account HK account.

  On the other hand, FIG. 14 is a figure which shows the state of the account information TBL60 after the interest calculation, when not applying the fund transfer processing system concerning Embodiment 2 of this invention. In FIG. 14, the deposit interest 601 can be calculated based on the equations (1) and (2). The total deposit interest 602 is 2.80 $. In other words, if the fund transfer processing system according to the second exemplary embodiment of the present invention is not applied, only a deposit interest of 2.80 $ is generated for the entire account group shown in FIG. From the deposit interest 601, for the LN account and the NY account, a negative interest is generated even though the entire account group 57 is surplus.

  As described above, the funds transfer processing system according to the second exemplary embodiment of the present invention can distribute the interest of the entire account group.

  The interest distribution calculation in step S15a in FIG. 12 is not limited to net bookkeeping and equal distribution. That is, interest calculation pattern information is net bookkeeping, other than equal distribution, that is, interest rate for allocation, account balance ratio, or specified percentage distribution, or gross bookkeeping, interest rate for distribution, account balance ratio, equal distribution Or a specified percentage distribution.

  Of course, the interest distribution calculation of the present embodiment is applicable even when the balance of the account group to be processed is negative.

Embodiment 3 of the Invention
In Embodiments 1 and 2 of the present invention, it is necessary to perform the fund transfer process between the end of business hours of all bases belonging to the Americas region and before the start of business hours in Japan the next day. For this reason, in order to perform all the funds transfer processing at the same time zone, it cannot be said that it is sufficiently secured in consideration of the response at the time of failure.

  On the other hand, in a corporate group that has offices in multiple overseas regions, the daily balance of the entire corporate group, that is, the entire account group, can generally be assumed to be positive, and the total balance is negative. The possibility is said to be extremely low.

  Therefore, in the present embodiment, the funds transfer processing system 1 is changed, the funds transfer processing is performed on the assumption that the total balance is positive for each region, and after the opening hours of all bases belonging to the Americas region, Before the start of business hours, the processing time zone is distributed by performing processing in the highest hierarchy and calculating interest. The overall configuration including the fund transfer processing system according to the present embodiment is the same as that shown in FIG.

  FIG. 16 is a flowchart showing the flow of fund transfer processing in the fund transfer processing system according to the present embodiment. First, the control part 11 performs an Asian region object process (S21). Here, the target processing in the Asian region refers to the funds transfer processing shown in FIG. 17 for the account of the base in the Asian region such as Singapore or Hong Kong. For example, only the account group 51 and the account group 52 in FIG. Also, the Asian region target processing is started after the end of business hours of all bases belonging to all Asian regions.

  FIG. 17 is a flowchart showing the flow of the area target processing according to the present embodiment. First, the control part 11 acquires all the account information of a process target area (S211). Specifically, the account information acquisition process in step S11 of FIG. 12 is performed on the account in the processing target area. For example, when the processing target region is the Asian region, the account information of all accounts of the account group 51 and the account group 52 is acquired.

  Next, the control part 11 performs the optimal hierarchization process for every account group which belongs to a process target area (S212). Specifically, the optimum tiering process of the account in step S12 of FIG. 12 is performed for each account group belonging to the processing target area. For example, when the processing target region is the Asian region, the optimal stratification process is performed for each of the account groups 51 and 52.

  However, if it is determined in step S111 in FIG. 3 that the total balance A is less than 0, that is, if the total balance is negative for an account group that belongs to the processing target area, the fact is stored in the RAM and the processing for the target area Exit. In the present embodiment, at this point in time, it is unclear whether or not the total balance of the entire account group is positive, but the processing is performed on the premise of positive. Then, if the account group belonging to any of the processing target areas is negative, the entire fund transfer process is redone in the all area management process described later.

  Subsequently, the control unit 11 performs fund transfer calculation for each account group belonging to the processing target area (S213). Specifically, the fund transfer calculation in step S13 in FIG. 12 is performed for each account group belonging to the processing target area. Thereafter, the control unit 11 performs creation and distribution processing for issuing funds for issuing funds in the processing target area (S214).

  Note that step S214 described above need not be executed in the national pooling service.

  Returning to FIG. Next, the control unit 11 performs a European region target process (S22). Here, the European region target processing refers to the funds transfer processing shown in FIG. 17 for the account of the base belonging to the European region such as London. For example, only the account group 53 in FIG. In addition, the processing for the European region is started after the end of the processing for the Asian region and after the end of the business hours of all the bases belonging to all the European regions.

  Subsequently, the control unit 11 performs an America region target process (S23). Here, the Americas region target processing refers to the funds transfer processing shown in FIG. 17 for the account of the base belonging to the Americas region such as New York. For example, only the account group 54 in FIG. Also, the Americas area target process is started after the end of the European area target process and after the end of the business hours of all the bases belonging to all the Americas areas.

  Then, the control part 11 performs all the area summarization processing (S24). Here, the all-area management process refers to the fund transfer process shown in FIG. 17 for an account group having the highest account in the account group belonging to each area as a lower account. For example, an account group including a pseudo account, an SP account B, an HK account B, an LN account A, and an NY account A in FIG. However, it is not necessary to execute step S211 in the all-area management process.

  Further, as described above, at this time, when the control unit 11 refers to the RAM and confirms that the total balance is determined to be negative in any of steps S21 to S23, Steps S212 to S214 for the account group are executed.

  Subsequently, the control unit 11 performs interest calculation (S15). Then, the control part 11 performs the drafting instruction data creation of an interest book, and a delivery process (S16). Note that interest distribution calculation in step S15a in FIG. 12 may be performed after step S15. Steps S15, S16, and S15a are the same as those described above, and a description thereof will be omitted.

  Thus, in this Embodiment, a processing time slot | zone can be disperse | distributed by performing each fund transfer process after completion | finish of the business hours of all the bases which belong to the said area for every area. For this reason, it is possible to carry out a funds transfer process with a margin in consideration of the time required for handling a failure.

Other embodiments of the invention.
The system configuration in Embodiment 1 of the present invention is not limited to FIG. For example, the fund transfer processing system 1 may be realized by distributed processing of a plurality of computers.

  In the condition information storage unit 121 according to the first to third embodiments of the present invention, a priority order for each account may be set. In that case, in step S131 of FIG. 4, when there are a plurality of accounts for which the most advantageous interest rate conditions are set, selection can be made based on the priority. Thereby, a priority account can be designated.

  In the first embodiment of the present invention, the processing target account has been described as an example in which a pseudo account is set as a parent account, but is not limited thereto. That is, the parent account may be an arbitrary existing account. In that case, it will be selected in step S131 of FIG.

  The fund transfer drafting instruction data creation and distribution processing in step S14 of FIG. 2 in the first embodiment of the present invention may not be executed. That is, in Embodiment 1 of the present invention, it is not necessary to actually transfer funds. Similarly, in the second embodiment of the present invention, after the step S13 in FIG. 12, creation of fund transfer draft instruction data and distribution processing may be executed.

  In the first to third embodiments of the present invention, in the account replacement process, the comparison target interest rate may be added to the account interest rate, and the account may be replaced based on the exchange rate. Since the exchange rate varies from country to country, the funds within the corporate group can be exchanged at the most advantageous exchange rate among overseas bases.

  The interest allocation calculation in the second embodiment of the present invention may be a calculation method that is different for each account. In that case, the interest calculation pattern information is set for each account, and the interest distribution calculation is performed for accounts other than the parent account based on the interest calculation pattern information of the account. The parent account can be realized by concentrating and allocating funds to the entire interest.

  In Embodiments 1 and 2 of the present invention, the optimal hierarchization of accounts in step S12 and the fund transfer calculation in S13 are performed in order, but the present invention is not limited to this. For example, after the account m of the counter m = 1 is optimally hierarchized, the fund transfer calculation, the fund transfer drafting instruction data creation, and the distribution process are continuously performed on the account m of the counter m = 1, and thereafter This can be realized by performing the processing after the counter m = 2.

  In the first to third embodiments of the present invention, the example of the hierarchical structure of the target account is two layers or three layers. However, the present invention is not limited to this, and the fund transfer processing system according to the present invention has four layers. It can be easily applied to the above hierarchical structure.

  In Embodiments 1 to 3 of the present invention, an example is given for a plurality of accounts having a hierarchical structure. However, the present invention is not limited to this. That is, the fund transfer processing system according to the present invention can input a plurality of accounts that do not have a hierarchical structure, and an account interest rate is set for each account, and stratify accounts by an optimal tiering process. it can.

  In Embodiments 1 to 3 of the present invention, an example is given in which the total balance of the entire target account is positive, but it is needless to say that the present invention is applicable even when the total balance of the entire target account is negative. .

  Furthermore, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the gist of the present invention described above.

It is a block diagram which shows the whole structure containing the money transfer processing system concerning Embodiment 1 of this invention. It is a flowchart figure which shows the flow of the money transfer process in the money transfer processing system concerning Embodiment 1 of this invention. It is a flowchart figure which shows the flow of the optimal hierarchization process of the account concerning Embodiment 1 of this invention. It is a flowchart figure which shows the flow of the account replacement | exchange process concerning Embodiment 1 of this invention. (A) is a figure which shows the example of the hierarchical structure of the account group used as the input to the fund transfer processing system concerning Embodiment 1 of this invention. (B) is a figure which shows the hierarchical structure of the application result of a fund transfer processing system. It is a figure which shows the state of account information TBL after account interest rate and account balance acquisition. It is a figure which shows the state of the account information TBL after completion | finish of the account replacement process of the hierarchy 2 and the hierarchy 3. FIG. It is a figure which shows the state of the account information TBL after completion | finish of the account replacement process of the hierarchy 1 and the hierarchy 2. FIG. It is a figure which shows the state of the account information TBL after fund transfer calculation and interest calculation. It is a figure which shows the state of the account information TBL after interest calculation in the case of not applying the fund transfer processing system concerning Embodiment 1 of this invention. It is a figure which shows the state of account draft TBL by the fund transfer calculation concerning Embodiment 1 of this invention. It is a flowchart figure which shows the flow of the money transfer process in the money transfer processing system concerning Embodiment 2 of this invention. (A) is a figure which shows the example of the hierarchical structure of the account group used as the input to the fund transfer processing system concerning Embodiment 2 of this invention. (B) is a figure which shows the hierarchical structure of the application result of a fund transfer processing system. It is a figure which shows the state of the account information TBL after interest calculation in the case of not applying the fund transfer processing system concerning Embodiment 2 of this invention. It is a figure which shows the state of the account information TBL after interest calculation at the time of applying the fund transfer processing system concerning Embodiment 2 of this invention. It is a flowchart figure which shows the flow of the money transfer process in the money transfer processing system concerning Embodiment 3 of this invention. It is a flowchart figure which shows the flow of the area | region object process concerning Embodiment 3 of this invention.

Explanation of symbols

1 Fund Transfer Processing System 21 Asian Regional Account System 22 European Regional Account System 23 Americas Regional Account System 3 Terminal 11 Control Unit 12 Database 121 Condition Information Storage Unit 122 Account Information Storage Unit 123 Fund Transfer Information Storage Unit 51 Account Group 52 Account group 53 Account group 54 Account group 50 Account information TBL
55 Bill draft TBL
550 Initial balance 551 Final balance 552 Initial balance 553 Final balance 554 Account balance 555 Deposit interest 556 Total deposit interest 557 Account balance 558 Deposit interest 559 Total deposit interest 561 Cash concentration and allocation processing 562 Cash concentration and allocation processing 57 Account group 60 Account information TBL
601 Deposit interest 602 Total deposit interest 61 Account information TBL
611 Account balance after funds transfer calculation 612 Deposit interest before allocation 613 Total deposit interest 614 Deposit interest after allocation A Total balance m Counter i Total number of layers N Total number of accounts n Counter

Claims (17)

In an account group to which a plurality of accounts for which different interest rate conditions are set for each account belongs, a fund transfer processing system that executes a fund transfer process based on a hierarchical structure of the account group,
An account information storage unit that associates and stores account identification information for identifying the account and balance information of the account, the interest rate condition, and a target balance;
A control unit that executes fund transfer processing in the account group,
The controller is
Account selecting means for selecting an account in which the most advantageous interest rate condition is set in the account group based on the interest rate condition stored in the account information storage unit;
Account stratification means for stratifying the account selected by the account selection means as an upper account and an account other than the upper account as a lower account for the upper account;
Interest calculation means for calculating the interest when the balance is adjusted to be the target balance determined for each of the lower accounts based on the interest rate condition stored in the account information storage unit for at least the upper account A funds transfer processing system. The account group has a hierarchical structure of at least two layers in the initial setting,
The account hierarchy means
When the account selected by the account selection means is an account of a lower hierarchy of the account group in the initial setting, the selected account and an account of an upper hierarchy of the account group are exchanged and hierarchized. The described funds transfer processing system.   3. The fund transfer processing system according to claim 2, wherein, in the account group, an account of the highest hierarchy in the initial setting is a pseudo account that is excluded from a selection target by the account selection unit.   The fund transfer processing system according to any one of claims 1 to 3, further comprising an interest allocation calculation unit that calculates an interest allocated to the account from the interest calculated by the interest calculation unit based on a predetermined condition. . The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in an initial setting,
The plurality of second accounts belong to different regions;
Balance information for each region, and the balance of the account belonging to the region at the time when the interest rate condition is fixed, and the interest rate condition, further comprising account information acquisition means for storing in the account information storage unit,
The account selecting means is
After determining the balance and interest rate conditions for each region, select the account with the most advantageous interest rate condition among the accounts belonging to the region at a predetermined interval as the upper account, and process all regions Is selected, the top-level account for each region and the account with the most favorable interest rate condition among the first account are selected as the top-level account,
The account hierarchy means
The top account selected by the account selection means is set as a first account, and a higher level account for each region other than the top level account is hierarchized as a lower level account of the top level account. The fund transfer processing system according to any one of the above. The account information storage unit further stores an exchange rate in association with the account identification information,
The account selecting means is
The fund transfer processing system according to any one of claims 1 to 5, wherein an account is selected based on the interest rate condition and an exchange rate. In an account group to which a plurality of accounts for which different interest rate conditions are set for each account belongs, a fund transfer processing method for executing a fund transfer process based on a hierarchical structure of the account group,
An account selection step of selecting an account in which the most advantageous interest rate condition is set in the account group based on the interest rate condition;
An account tiering step in which the account selected in the account selection step is an upper account, and an account other than the upper account is hierarchized as a lower account with respect to the upper account;
An interest calculation step of calculating an interest when the balance is adjusted so as to be a target balance determined for each of the lower accounts based on an interest rate condition set for at least the upper account; Processing method. The account group has a hierarchical structure of at least two layers in the initial setting,
The account tiering step includes:
If the account selected in the account selection step is an account of a lower hierarchy of the account group in the initial setting, the selected account and an account of an upper hierarchy of the account group are exchanged to be hierarchized. The funds transfer processing method described.   9. The fund transfer processing method according to claim 8, wherein, in the account group, an account of the highest hierarchy in the initial setting is a pseudo account that is excluded from selection targets by the account selection unit.   The fund transfer processing method according to any one of claims 7 to 9, further comprising an interest allocation calculation step of calculating an interest allocated to the account from the interest calculated in the interest calculation step based on a predetermined condition. . The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in an initial setting,
The plurality of second accounts belong to different regions;
A balance for each region, and the balance of the account belonging to the region at the time when the interest rate condition is fixed, and the interest rate condition are acquired, and further stored in the account information storage unit, further comprising an account information acquisition step,
The account selection step includes:
After determining the balance and interest rate conditions for each region, select the account with the most advantageous interest rate condition among the accounts belonging to the region at a predetermined interval as the upper account, and process all regions Is selected, the top-level account for each region and the account with the most favorable interest rate condition among the first account are selected as the top-level account,
The account tiering step includes:
The top account selected in the account selection step is a first account, and a higher level account for each region other than the top level account is hierarchized as a lower level account of the top level account. The funds transfer processing method according to any one of the above items. The account is further set with an exchange rate,
The account selection step includes:
The fund transfer processing method according to claim 7, wherein an account is selected based on the interest rate condition and an exchange rate. In an account group to which a plurality of accounts with different interest rate conditions set for each account belongs, a fund transfer processing program for causing a computer to execute a fund transfer process based on a hierarchical structure of the account group,
An account information storage unit that associates and stores account identification information for identifying the account and balance information of the account, the interest rate condition, and a target balance;
Account selecting means for selecting an account in which the most advantageous interest rate condition is set in the account group based on the interest rate condition stored in the account information storage unit;
Account stratification means for stratifying the account selected by the account selection means as an upper account and an account other than the upper account as a lower account for the upper account;
Interest calculation means for calculating the interest when the balance is adjusted to be the target balance determined for each of the lower accounts based on the interest rate condition stored in the account information storage unit for at least the upper account And a funds transfer processing program. The account group has a hierarchical structure of at least two layers in the initial setting,
The account hierarchy means
If the account selected by the account selection means is an account of a lower hierarchy of the account group in the initial setting, the selected account and an account of an upper hierarchy of the account group are replaced and hierarchized. The funds transfer processing program described.   The fund transfer processing program according to claim 13 or 14, further comprising: an interest allocation calculating unit that calculates an interest allocated to the account from the interest calculated by the interest calculating unit based on a predetermined condition. The account group has a hierarchical structure of two or more layers including at least a first account and a plurality of second accounts lower than the first account in an initial setting,
The plurality of second accounts belong to different regions;
Balance information for each region, and the balance of the account belonging to the region at the time when the interest rate condition is fixed, and the interest rate condition, further comprising account information acquisition means for storing in the account information storage unit,
The account selecting means is
After determining the balance and interest rate conditions for each region, select the account with the most advantageous interest rate condition among the accounts belonging to the region at a predetermined interval as the upper account, and process all regions Is selected, the top-level account for each region and the account with the most favorable interest rate condition among the first account are selected as the top-level account,
The account hierarchy means
The top-level account selected by the account selection unit is set as a first account, and a higher-level account for each region other than the top-level account is hierarchized as a lower-level account of the top-level account. The fund transfer processing program according to any one of the above. The account information storage unit further stores an exchange rate in association with the account identification information,
The account selecting means is
The fund transfer processing program according to any one of claims 13 to 16, wherein an account is selected based on the interest rate condition and an exchange rate.

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