JP2011204148A - Settlement-order determining system, method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently decide the settlement order that allows consecutive settlements of a plurality of transactions by a small number of trials.SOLUTION: In the settlement order determining system, a trial of a settlement for a transaction with a settlement order N (N is an integer not less than 1, and not more than L) is performed, and when the trial is successful, balance information stored in a balance information storage part is updated by assuming that the settlement of the N-th transaction is decided. When the trial results in a failure, it is assumed that the settlement of the N-th transaction is not carried out, and execution of settlements of transactions ranging from a first one to an L-th one as concerns N are carried out, repeatedly. If the execution result shows the presence of a transaction with a failed trial before the settlement order of a transaction with a successful trial, a settlement order storage part is updated so that the settlement order in all transactions with a failed trial becomes M+1 or after when the number of all transactions with a successful trial is M (M is an integer which is not less than "1" and less than L). After updating, settlements of transactions are repeatedly carried out, from M+1 through L as concerns N.

Description

  The present invention relates to a settlement order determination system, method, and program, and more particularly, to a settlement order determination system, method, and program for determining a settlement order that can be settled when a plurality of transactions such as bonds are settled continuously.

  In recent years, with the paperlessness of bonds, etc., management of holders, brand names, face values, etc. has been carried out at a predetermined institution without issuing physical bill faces. And, since these managements are made into an information system, it is possible to save labor and reduce costs because the ticket face does not move at the time of settlement after delivery.

  Patent Document 1 discloses a technique related to a netting settlement system that enables netting settlement in bond transactions of the same brand and different face value. The netting settlement system according to Patent Document 1 is a transaction related data input procedure for inputting transaction related data related to bond transactions between two parties, and the same brand delivery for extracting a combination of delivery of the same brand from the entered transaction related data. An extraction procedure, an offset extraction procedure for extracting an offset combination as a delivery combination to be offset from the extracted delivery combinations, a settlement calculation procedure capable of performing settlement operation on the extracted offset combination, and a result of settlement operation A payment details output procedure for outputting the payment details as a payment details. In particular, the offset extraction procedure makes it possible to extract an offset combination including a combination of delivery of bonds with different face values.

JP 2002-352171 A

  Some transactions of bonds, etc., collectively settle a plurality of transactions charged within a predetermined period on a predetermined date or time. For example, in the case of daytime, payment is made immediately every time a transaction is charged, but in the case where transactions are accepted at night and payment is made by the next morning. Here, settlement of transactions such as bonds is to move the transaction amount of the financial product from the account of the transaction source to the account of the transaction destination. If the balance of bonds, etc. is insufficient in the transaction source account compared to the transaction amount, settlement cannot be performed. Further, when settlement of a plurality of transactions is performed at once, the availability of settlement of other transactions may be affected as the account balance changes due to settlement in a certain transaction. That is, depending on the order of settlement, the result of whether or not settlement is possible in the transaction may differ. Therefore, when an account is related to a plurality of transactions, it is necessary to treat these transactions together as a transaction group. And when settlement of multiple transactions is performed in a lump, when a plurality of transactions included in a transaction group are settled in series in a predetermined settlement order and all transactions in the transaction group can be settled, It can be determined that the transaction group can be settled together.

  For example, for a plurality of transactions included in a transaction group, it is possible to detect a settlement order that can be settled by trying combinations of settlement orders with brute force. In this case, the increase in the amount of calculations accompanying the number of transactions included in the transaction group is significant. Bills for transactions in bonds, etc. tend to be concentrated at one time, and the amount of transactions can amount to several hundred billion yen. In addition, since the relationship of transactions within a transaction group is complicated, there is a problem that it takes time to detect a settlement order that can be settled and it takes time.

  Here, there are various patterns in the relationship of transactions in most transaction groups such as bonds, but most of the transaction groups include many simple patterns and the ratio of complex patterns to the total There are few features.

  The present invention has been made to solve such a problem, and in the case where a plurality of transactions are successively settled, a settlement for efficiently confirming a settlement order that can be settled with a small number of trials. An object is to provide an order determination system, method and program.

  The settlement order confirmation system according to the first aspect of the present invention is a settlement order confirmation system for confirming a settlement order that can be settled in L (L is an integer of 3 or more) transactions included in a transaction group, A balance information storage unit (for example, the account information storage unit 32 according to the first embodiment of the present invention) that stores the balance information of the account related to the transaction, and a settlement that stores a settlement order in each transaction included in the transaction group An order storage unit (for example, transaction information storage unit 33 according to the first embodiment of the present invention), and a control unit that controls processing for determining the settlement order in the transaction, the control unit including the settlement First settlement order adjusting means for adjusting the settlement order by trying to settle a transaction included in the transaction group based on the settlement order stored in the order storage unit; A confirmation means for confirming the settlement order as an order that can be settled when the trial of settlement of all transactions included in the transaction group is successful by the settlement order adjusted by the settlement order adjustment means, The first settlement order adjusting means refers to the balance information storage unit and the settlement order storage unit, and is a transaction settlement that tries to settle a transaction with the settlement order N (N is an integer not less than 1 and not more than L). When the trial by the trial means and the transaction settlement trial means is successful, the balance information stored in the balance information storage unit is updated on the assumption that the settlement of the Nth transaction is confirmed, and the trial fails. In such a case, the balance information update means that the Nth transaction has not been settled, and the process by the transaction settlement trial means and the process by the balance information update means while N is from 1 to L. As a result of the execution by the first repeated execution means, there is a transaction in which the trial has failed before the settlement order in the transaction in which the trial has been successful. The settlement order in all failed transactions is M + 1 or later, which is an order after the settlement order in M transactions (M is an integer of 1 or more and less than L) that are all successful transactions. The settlement order update means for updating the settlement order storage unit, and after the update by the settlement order update means, the process by the transaction settlement trial means and the process by the balance information update means are repeated while N is from M + 1 to L. Second repetitive execution means to be executed.

  In addition, when the settlement order is not confirmed as an order that can be settled by the confirmation unit, the settlement of all transactions included in the transaction group is confirmed with reference to the balance information storage unit and the settlement order storage unit. The balance information stored in the balance information storage unit is calculated by calculating the balance per account in the case where it is assumed that the calculated balance is equal to or less than a predetermined value and adding the transaction amount where the balance is a predetermined value. Using the balance information corrected by the balance information correction means, and the balance information corrected by the balance information correction means, based on the payment order stored in the payment order storage unit, the trial is adjusted by the first payment order adjustment means. Second settlement order adjustment means for adjusting the settlement order by trying settlement for all failed transactions, and the confirmation means includes the second settlement order. When the settlement of all transactions included in the transaction group succeeds due to the settlement order adjusted by the adjustment unit, the settlement sequence of the last transaction for which the trial was successful by the first settlement order adjustment unit. It is desirable to further determine the order in which settlement is possible.

  Further, when the settlement order is not confirmed as the order in which the settlement can be made by the confirmation unit, the account of the transaction source is the account of the other business partner in the transaction group from each transaction included in the transaction group. An end point transaction selecting means for selecting a start point transaction that is a transaction that does not match the transaction and an end point transaction that is a transaction in which the account of the customer does not match the account of the other transaction source in the transaction group; Update the settlement order storage unit with the settlement order as the first order, update the balance information stored in the balance information storage unit on the assumption that the settlement of the starting transaction has been confirmed, and settle the settlement order in the end point transaction , Based on the settlement order updated by the endpoint transaction processing means, the endpoint transaction processing means for updating the settlement order storage unit as the last order, And third settlement order adjustment means for adjusting the settlement order by trying settlement for transactions excluding point transactions and end-point transactions, and the confirmation means includes the third settlement order adjustment means. It is desirable that the settlement order stored in the settlement order storage unit is determined as an order that can be settled when the settlement trials of all the transactions included in the transaction group are successful by the settlement order adjusted by the above.

  Further, there is a transaction in which the self is the account of the customer from the accounts included in the transaction for which the trial has failed by the third settlement order adjustment means, and there are 2 transactions in which the self is the account of the transaction source. The settlement by selecting the origin account selection means for selecting the existing account, and the settlement relationship in the settlement order of two or more origin transactions that are transactions in which the account selected by the origin account selection means is the account of the transaction source Starting transaction processing means for updating the order storage unit, wherein the third settlement order adjustment means is based on the settlement order updated by the origin transaction processing means, and the starting transaction and It is desirable to adjust the settlement order by trying to settle a transaction excluding the end point transaction.

  In addition, when the settlement attempt of all the transactions included in the transaction group is successful by the settlement order adjusted by the third settlement order adjustment unit, the determination unit performs the first settlement order adjustment unit. It is preferable that the settlement order of the last transaction for which the trial has been successful is determined as the order in which settlement is possible.

  Further, a plurality of transactions for settlement of a predetermined amount from a trading partner account to a trading partner account are accepted from the outside, and at least one of the trading partner account or the trading partner account from among the plurality of accepted transactions A transaction group generating unit that selects a transaction that is common to other transactions and generates a set of the selected transactions as the transaction group, and the first settlement order adjustment unit includes: The settlement order may be adjusted for the generated transaction group.

  Further, the balance information correction means, when the transaction is a transaction on a bond determined by a ticket type and the number of sheets, based on the bond type and number of bonds in the account balance included in the transaction group, the balance per account Should be calculated.

  The settlement order confirmation method according to the second aspect of the present invention includes a balance information storage unit (for example, the account information storage unit 32 according to the first embodiment of the present invention) that stores balance information of accounts related to transactions, A settlement order storage unit (for example, the transaction information storage unit 33 according to the first embodiment of the present invention) that stores settlement orders in L (L is an integer of 3 or more) transactions included in the group; A settlement order determination method for controlling a process for determining a settlement order that can be settled in each transaction included in the transaction group in a computer comprising: a control unit that controls a process for determining the settlement order; The control unit adjusts the settlement order by trying to settle the transactions included in the transaction group based on the settlement order stored in the settlement order storage unit. When the settlement order of all transactions included in the transaction group is successful by the settlement order adjustment step and the settlement order adjusted by the first settlement order adjustment step, the settlement order is set as an order that can be settled. The first settlement order adjustment step refers to the balance information storage unit and the settlement order storage unit, and the settlement order is N (N is an integer greater than or equal to 1 and less than or equal to L). ) When the transaction settlement trial step for attempting settlement of the transaction and the trial by the transaction settlement trial step is successful, it is stored in the balance information storage unit on the assumption that the settlement of the Nth transaction is confirmed. The balance information is updated, and if the trial fails, the balance update step in which the N-th transaction has not been settled; As a result of execution by the first repeated execution step for repeatedly executing the withdrawal settlement trial step and the balance update step and the first repeated execution step, the trial failed before the settlement order in the transaction in which the trial was successful. If there is a transaction, the settlement order in all transactions where the trial fails is later than the settlement order in M transactions (M is an integer greater than or equal to 1 and less than L) that are all successful transactions. A settlement order update step for updating the settlement order storage unit so that the order is M + 1 or later, and after the update by the settlement order update step, during the period from N to M + 1 to L, the transaction settlement trial step and the balance A second repetitive execution step of repeatedly executing the update step.

  The settlement order determination program according to the third aspect of the present invention includes a balance information storage unit (for example, the account information storage unit 32 according to the first embodiment of the present invention) that stores balance information of an account related to a transaction, A settlement order storage unit (for example, the transaction information storage unit 33 according to the first embodiment of the present invention) that stores settlement orders in L (L is an integer of 3 or more) transactions included in the group; A settlement order determination program for causing a computer comprising a control unit for controlling a process for determining the settlement order to execute a process for determining a settlement order that can be settled in each transaction included in the transaction group. A first settlement order adjustment that adjusts the settlement order by trying settlement of transactions included in the transaction group based on the settlement order stored in the order storage unit And a confirmation process for determining the settlement order as an order that can be settled when the settlement trials of all transactions included in the transaction group are successful by the settlement order adjusted by the first settlement order adjustment process. The first settlement order adjustment process refers to the balance information storage unit and the settlement order storage unit, and the settlement order is Nth (N is an integer greater than or equal to 1 and less than L) transaction. If the transaction settlement trial process for trying the settlement of the transaction and the trial by the transaction settlement trial process are successful, the balance information stored in the balance information storage unit is assumed to be settled for the Nth transaction. And if the trial fails, the balance update process that the Nth transaction has not been settled, and the transaction settlement trial process and the balance update between N and 1 to L Repeat the process As a result of execution by the first repeated execution process to be executed and the first repeated execution process, if there is a transaction in which the trial has failed before the settlement order in the transaction in which the trial has been successful, the trial has failed. The settlement order in all transactions is M + 1 or later, which is an order after the settlement order in M transactions (M is an integer of 1 or more and less than L) that are all successful transactions. A payment order update process for updating the payment order storage unit, and a second repeated execution for repeatedly executing the transaction settlement trial process and the balance update process between N + 1 and L after the update by the settlement order update process Processing.

  According to the present invention, it is possible to provide a settlement order determination system, method, and program for efficiently determining a settlement order that can be settled with a small number of trials when a plurality of transactions are settled continuously. .

It is a block diagram which shows the whole structure containing the payment order confirmation system concerning Embodiment 1 of this invention. It is a figure which shows the example of the account information concerning Embodiment 1 of this invention. It is a figure which shows the example of the transaction information concerning Embodiment 1 of this invention. It is a functional block diagram of the settlement order confirmation system concerning Embodiment 1 of the present invention. It is a block diagram which shows the hardware constitutions of the payment order confirmation system concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the payment order determination process concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the transaction group production | generation process concerning Embodiment 1 of this invention. It is a figure which shows the example of the transaction group concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the payment order adjustment process concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the transaction group payment trial process concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the payment trial process concerning Embodiment 1 of this invention. It is a figure which shows the example of the execution result of the transaction group payment trial process concerning Embodiment 1 of this invention. It is a figure which shows the example of the execution result of the transaction group payment trial process concerning Embodiment 1 of this invention. It is a figure which shows the example of the execution result of the account balance calculation process concerning Embodiment 1 of this invention. It is a figure which shows the example of the execution result of the transaction group payment trial process after the balance correction process concerning Embodiment 1 of this invention. It is a flowchart which shows the flow of the pseudo | simulation loop determination process concerning Embodiment 1 of this invention. It is a figure which shows the example of the transaction group from which the origin account concerning Embodiment 1 of this invention is selected. It is a flowchart which shows the flow of the determination process concerning Embodiment 1 of this invention. It is a figure which shows the example of the transaction group which considered the ticket type and number of sheets concerning Embodiment 2 of this invention. It is a figure which shows the example of the account balance which considered the ticket kind and number of sheets concerning Embodiment 2 of this invention.

  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.

<Embodiment 1 of the Invention>
FIG. 1 is a block diagram showing an overall configuration including a settlement order determination system 3 according to the first embodiment of the present invention. The settlement order determination system 3 is connected to the terminals 1a, 1b,... 1n via the network 2 and accepts requests for a plurality of transactions transmitted from the terminals 1a, 1b,. It is an information system which performs the payment order decision process which decides the payment order which can be settled about the some transaction received in (1). In addition, the settlement order determination system 3 notifies that fact for transactions that cannot be settled. Here, “transaction” is defined as a transfer of a transaction amount of a financial product or a transfer of a right such as a bond from a transaction source account to a business partner account. The settlement of the transaction is a transfer of the transaction amount or a transfer of rights such as bonds. The settlement order indicates the order in which transaction settlement is executed for a plurality of transactions.

  The settlement order determination system 3 is a general-purpose computer system, and includes at least a control unit 31 that controls processing for determining a settlement order in transactions, an account information storage unit 32, and a transaction information storage unit 33. The account information storage unit 32 is a storage device that stores an account ID 321 and balance information 322 in association with each other. Here, the account ID 321 is information for identifying an account related to the transaction. The balance information 322 is information on the amount of money that can be traded in an account related to the transaction or the amount of bonds. In other words, the account information storage unit 32 can be said to be a balance information storage unit that stores account balance information 322 related to transactions.

  Here, FIG. 2 is a figure which shows the example of the account information concerning Embodiment 1 of this invention. FIG. 2 shows that balance information is associated with each of 30 account IDs.

  Returning to FIG. 1, the transaction information storage unit 33 is a storage device that stores a group ID 331, a transaction ID 332, a transaction account ID 333, a transaction account ID 334, a transaction amount 335, and a settlement order 336. The group ID 331 is information for identifying a transaction group. Here, a transaction group is a set of transactions in which at least one account of a customer's account or a transaction source account is common to other transactions. The transaction ID 332 is information for identifying a transaction. The transaction source account ID 333 is the account ID of the transaction source in the transaction among the account IDs 321. The customer account ID 334 is the account ID of the customer in the transaction among the account IDs 321. The transaction amount 335 is money amount information or a bond amount settled in the transaction. The settlement order 336 is information indicating the order in which transaction settlement is executed. For example, the settlement order 336 is number information expressed by numerical values, and is executed in ascending or descending order of the numbers. In the settlement order 336, the start number is arbitrary, and the numbers do not need to be consecutive. Further, it is assumed that the order of settlement 336 is uniquely determined at least within the transaction group. Alternatively, the settlement order 336 may be a transaction ID 332 that performs settlement immediately before or after the transaction. In other words, the transaction information storage unit 33 can be said to be a settlement order storage unit that stores a settlement order in each transaction included in the transaction group. The transaction is represented by a combination of a transaction ID 332, a transaction source account ID 333, a transaction account ID 334, a transaction amount 335, and a settlement order 336. A single group ID 331 is associated with a plurality of transaction IDs 332.

  Here, FIG. 3 is a figure which shows the example of the transaction information concerning Embodiment 1 of this invention. In FIG. 3, it is shown that the account ID of the transaction source, the transaction account ID, the transaction amount, and the settlement order are associated with each of the 28 transaction IDs in which the account of FIG. The transaction ID indicates that it is associated with one of the six group IDs.

  Returning to FIG. 1, the terminals 1a, 1b,..., 1n are input devices (not shown) such as a keyboard and a mouse, a display device (not shown) such as a screen, and a terminal device having a communication function. Then, the terminals 1a, 1b,... 1n transmit information related to the transaction to the settlement order determination system 3 through the network 2 at an arbitrary timing. The network 2 is a communication network such as the Internet, a public network, a dedicated line, and a mobile communication network.

  The account information storage unit 32 and the transaction information storage unit 33 are preferably non-volatile storage devices such as a hard disk drive and a flash memory.

  FIG. 4 is a functional block diagram of the settlement order determination system 3 according to the first embodiment of the present invention. The settlement order determination system 3 is an information system that determines a settlement order that can be settled in L (L is an integer of 3 or more) transactions included in a transaction group. The settlement order determination system 3 includes a transaction group generation unit 340, a transaction group settlement trial unit 350, a balance information correction unit 360, a pseudo loop determination unit 370, and a determination unit 380.

  The transaction group generation means 340 accepts a plurality of transactions from the outside via the network 2 from the terminals 1a, 1b,..., 1n, and selects the account of the customer or the account of the transaction source from the received transactions. A transaction in which at least one account is common to other transactions is selected, and a set of the selected transactions is generated as a transaction group. Thereby, it is possible to divide a large number of transactions into a plurality of transaction groups and to efficiently determine the settlement order. At this time, the transaction group generation means 340 may initialize the settlement order for each transaction in the transaction group.

  The transaction group settlement trial means 350 adjusts the settlement order by trying settlement of transactions included in the transaction group based on the settlement order 336 stored in the transaction information storage unit 33. That is, the transaction group settlement trial unit 350 adjusts the settlement order set for the transaction group generated by the transaction group generation unit 340. Note that the transaction group may be a predetermined one instead of the one generated by the transaction group generation unit 340. Further, the transaction group settlement trial unit 350 includes a transaction settlement trial unit 351, a balance information update unit 352, a repeated execution unit 353, and a settlement order update unit 354.

  The transaction settlement trial unit 351 refers to the account information storage unit 32 and the transaction information storage unit 33 and tries settlement of a transaction whose settlement order 336 is N (N is an integer of 1 or more and L or less). When the trial by the transaction settlement trial unit 351 is successful, the balance information update unit 352 updates the balance information 322 stored in the account information storage unit 32 on the assumption that settlement of the Nth transaction is confirmed, If the trial fails, it is assumed that the Nth transaction has not been settled. The repetitive execution means 353 repeatedly executes the process by the transaction settlement trial means 351 and the process by the balance information update means 352 according to the settlement order 336 stored in the transaction information storage unit 33, for example, when N is from 1 to L. .

  As a result of the execution by the repeated execution means 353, the settlement order update unit 354 determines that the settlement order in all transactions for which the trial has failed is a trial if there is a transaction for which the trial has failed before the settlement order in the transaction for which the trial has been successful. The transaction information storage unit 33 is updated so that it becomes M + 1 or later, which is the order after the settlement order in the M transactions (M is an integer of 1 or more and less than L) that are all successful transactions. The repetitive execution unit 353 repeatedly executes the process by the transaction settlement trial unit 351 and the process by the balance information update unit 352 while N is from M + 1 to L after being updated by the settlement order update unit 354.

  The confirmation unit 380 determines the settlement order as an order that can be settled when trials for settlement of all transactions included in the transaction group are successful by the settlement order adjusted by the transaction group settlement trial unit 350.

  In this way, by executing at least the transaction group settlement trial unit 350 and the confirmation unit 380 described above, in the first round trial, settlement for each transaction is attempted based on the initially set settlement order. The balance of a successful transaction is updated to the balance after settlement from time to time. Then, a transaction in the subsequent settlement order is tried using the updated balance. And after the first round of trials, if there is a successful transaction and a failed transaction, and there is one or more successes after the first failure, in other words, before the last success If there is one or more failures in the transaction, the settlement order is updated and the second round is attempted. In the settlement order updating means 354, at least the settlement order of the transaction for which the trial has failed is set as the order after the settlement order of all the transactions for which the trial has been successful.

  In the second round of trial, settlement is attempted only for the transaction for which the trial has failed based on the updated settlement order. At this time, the account balance in the transaction in which the trial in the first round was successful has been updated, and the conditions at the start of the second round are different from those at the start of the first round. For transactions that failed before the success of, the trial may be successful in the second round. As a result, the trial is performed in a settlement order different from the initial setting. Further, in the second round, since the transaction that has been successfully tried in the first round is not retried, the number of trials can be reduced. That is, different settlement orders can be executed with a small number of trials. Accordingly, it is possible to efficiently determine whether or not the transaction group can be settled only by rearranging the settlement order, and the settlement order in which settlement is possible can be determined.

  Further, the balance information correction unit 360 refers to the account information storage unit 32 and the transaction information storage unit 33 when the settlement unit 380 does not determine the settlement order as the order in which the settlement can be made. Calculate the balance per account when it is assumed that the settlement of the transaction has been confirmed, and add the transaction amount at which the balance becomes a predetermined value to the account information storage unit 32 for the account where the calculated balance is a predetermined value or less. The stored balance information 322 is corrected. Then, the transaction group settlement trial means 350 uses the balance information corrected by the balance information correction section 360, based on the settlement order 336 stored in the transaction information storage unit 33, by the transaction group settlement trial means 350 last time. Adjusts the order of settlement by trying to settle for all transactions that failed. At this time, the confirmation unit 380 has succeeded in the trial by the transaction group settlement trial unit 350 when the trial of settlement of all the transactions included in the transaction group is successful by the settlement order adjusted by the transaction group settlement trial unit 350. The order of settlement up to the last transaction is further determined as an order that can be settled.

  Here, regardless of the order of payment, regardless of the order of payment, the fact that the initial balance of the account of the transaction source was insufficient and the payment was not possible is called red balance chain transaction. By the means described above, the settlement order that can be settled when the shortage of the initial balance is resolved for the red balance chain transaction can be determined. In addition, it is possible to identify an account with a shortage of initial balance, and by notifying the owner of the account to resolve the shortage, it becomes possible to settle immediately after the shortage of the initial balance has been resolved, which is unnecessary. The transaction is no longer impossible to settle. Therefore, the precision which detects the transaction group which can be settled can be improved.

  Here, the loop transaction in the transaction group will be described. A loop transaction is a transaction group including a transaction in which a trading source account and a trading partner account are exchanged between a plurality of accounts. That is, the loop transaction refers to a plurality of transactions that circulate between a plurality of accounts. In particular, when the transaction amount circulates at the same amount, the account balance in the loop transaction is not excessive or insufficient. For this reason, the balance information correcting unit 360 cannot detect a transaction group including an account having an insufficient initial balance. However, as described above, since there is no excess or deficiency in the account balance, the loop transaction may be able to be settled by setting the order different from the default settlement order in the transaction group. Such a loop transaction is called a pseudo loop transaction. In addition, because it is a red balance chain transaction, settlement is not possible in the default settlement order, but there is also a transaction group that becomes a pseudo loop transaction after eliminating the shortage of the initial balance. Such a loop transaction is called a red balance chain transaction and a pseudo loop transaction. On the other hand, when the initial balance is insufficient in any of the accounts related to the loop transaction, the settlement is not possible regardless of the settlement order. Such a loop transaction is called a genuine loop transaction. Furthermore, there is a trading group that is a red balance chain transaction and becomes a genuine loop transaction even if the shortage of the initial balance for transactions other than the loop transaction is resolved. Such a loop transaction is called a red balance chain transaction and a genuine loop transaction.

  Therefore, when there is a transaction that failed in the trial in the transaction group settlement trial unit 350, the pseudo loop determination unit 370 determines whether or not the transaction group is a pseudo loop transaction. The pseudo loop determination unit 370 includes an end point transaction selection unit 371, an end point transaction processing unit 372, an origin account selection unit 373, and an origin transaction processing unit 374.

  The end point transaction selection unit 371, when the settlement unit 380 determines that the settlement order is not settled as an order that can be settled, from each transaction included in the transaction group, the transaction account of the other party in the transaction group A start-point transaction that is a transaction that does not match the previous account and an end-point transaction that is a transaction whose account does not match the account of the other transaction in the transaction group are selected. The end point transaction processing means 372 updates the transaction information storage unit 33 with the settlement order in the start point transaction as the first order, and the balance information stored in the account information storage unit 32 on the assumption that the settlement of the start point transaction has been confirmed. 322 is updated, and the transaction information storage unit 33 is updated with the settlement order in the end point transaction as the last order.

  Then, the pseudo loop determination unit 370 adjusts the settlement order by trying settlement for transactions excluding the start point transaction and the end point transaction in the transaction group based on the settlement order updated by the end point transaction processing unit 372. . At this time, the confirmation unit 380 determines the settlement order stored in the transaction information storage unit 33 when the settlement trials of all transactions included in the transaction group are successful by the settlement order adjusted by the transaction group settlement trial unit 350. 336 is determined as an order that can be settled. Thereby, a pseudo loop transaction can be detected and settled as an order that can be settled. Therefore, the precision which detects the transaction group which can be settled can be improved.

  In addition, the origin account selection unit 373 has a transaction in which the transaction is the account of the customer from the account included in the transaction for which the trial has failed by the pseudo loop determination unit 370, and the transaction in which the transaction is the account of the transaction source. Select an account with 2 or more. The origin transaction processing unit 374 updates the transaction information storage unit 33 by exchanging the prior relationship in the settlement order of two or more origin transactions that are transactions in which the account selected by the origin account selecting unit 373 is a transaction source account. Then, the pseudo loop determination unit 370 adjusts the settlement order by trying settlement for transactions excluding the start point transaction and the end point transaction in the transaction group based on the settlement order updated by the origin transaction processing unit 374. . In this way, by specifying a plurality of starting transactions that can be the starting point in a loop transaction and replacing the prior relationship in the settlement order of the plurality of starting transactions, the trial may be successful, consequently reducing the number of trials, The settlement order can be determined efficiently.

  Further, when the settlement attempt of all transactions included in the transaction group is successful by the settlement order adjusted by the pseudo loop determination unit 370, the determination unit 380 determines the last successful trial by the transaction group settlement trial unit 350. It is good to fix up to the settlement order of transactions as the order in which settlement is possible. Thereby, a pseudo loop transaction can be detected and settled as an order that can be settled. The confirmation unit 380 can also settle the settlement order up to the settlement order of the last successful transaction by the transaction group settlement trial unit 350 even if the trial fails due to the settlement order adjusted by the pseudo loop determination unit 370. It may be determined as Thereby, even if it is a red balance chain transaction or a genuine loop transaction, the settlement order can be determined for transactions that can be settled. Conversely, transactions that cannot be settled can be identified. Therefore, it is possible to narrow down the causes of transactions that cannot be settled and perform post-processing efficiently.

  FIG. 5 is a block diagram showing a hardware configuration of the settlement order determination system 3 according to the first embodiment of the present invention. The settlement order determination system 3 includes a CPU (Central Processing Unit) 301, a RAM (Random Access Memory) 302, a ROM (Read Only Memory) 303, a communication unit 304, and a hard disk 305. The hard disk 305 is a non-volatile storage device, and stores an OS (Operating System) 306 and a settlement order determination program 307. The hard disk 305 may further include an account information storage unit 32 and a transaction information storage unit 33. The settlement order confirmation program 307 is a computer program in which the settlement order confirmation process according to the first embodiment of the present invention is implemented.

  The CPU 301 controls various processes in the settlement order determination system 3, access to the RAM 302, ROM 303, communication unit 304, and hard disk 305. The communication unit 304 communicates with the terminals 1a, 1b,... 1n via the account information storage unit 32, the transaction information storage unit 33, and the network 2. In the settlement order determination system 3, the CPU 301 reads and executes the OS 306 and the settlement order determination program 307 stored in the RAM 302, the ROM 303 or the hard disk 305. Thereby, the settlement order confirmation system 3 can implement a settlement order confirmation process. The settlement order determination system 3 may be realized by being distributed to a plurality of computer servers.

  FIG. 6 is a flowchart showing a flow of settlement order determination processing according to the first embodiment of the present invention. First, the transaction group generation means 340 receives transaction information from the terminals 1a, 1b,... 1n (S11). Specifically, the transaction group generation unit 340 issues a transaction ID 332 according to the received transaction information, and associates the transaction ID 332 with the transaction account ID 333, the transaction account ID 334, and the transaction amount 335 included in the transaction information. The information is stored in the information storage unit 33. Next, the transaction group generation means 340 performs a transaction group generation process (S12). Details of the transaction group generation process will be described later with reference to FIG.

  Then, the transaction group settlement trial means 350 selects a transaction group (S13). Specifically, the transaction group settlement trial means 350 refers to the transaction information storage unit 33 and selects one of the plurality of group IDs 331. Thereafter, the transaction group settlement trial means 350 performs settlement order adjustment processing (S14). Details of the settlement order adjustment process will be described later with reference to FIG. Subsequently, the confirmation unit 380 performs a confirmation process for confirming the settlement order (S15). Details of the confirmation process will be described later with reference to FIG.

  Here, the transaction group settlement trial means 350 determines whether or not an unselected transaction group exists (S16). Specifically, the transaction group settlement trial unit 350 refers to the transaction information storage unit 33 and determines whether or not an unselected group exists in the group ID 331. If it is determined in step S16 that there is an unselected group, steps S13 to S16 are repeatedly executed until all transaction groups have been selected. If it is determined in step S16 that no unselected group exists, that is, all groups have been selected, the settlement order confirmation system 3 ends the settlement order confirmation process.

  FIG. 7 is a flowchart showing a flow of transaction group generation processing according to the first exemplary embodiment of the present invention. First, the transaction group generation means 340 selects transaction information (S21). Specifically, the transaction group generation unit 340 refers to the transaction information storage unit 33 and selects one of the plurality of transaction IDs 332. Next, the transaction group generation unit 340 determines whether there is transaction information related to the selected transaction information (S22). Specifically, the transaction group generation unit 340 refers to the transaction information storage unit 33, and acquires the transaction account ID 333 and the transaction account ID 334 associated with the transaction ID 332 selected in step S21. Then, the transaction group generation unit 340 searches the transaction information storage unit 33 using the acquired account ID of the transaction account ID 333 or the transaction account ID 334 as a search key. Then, it is determined whether or not there is a transaction ID 332 associated with a transaction account ID 333 or a transaction account ID 334 that matches the search key.

  If it is determined in step S22 that relevant transaction information exists, the transaction group generation unit 340 selects the relevant transaction information (S23). Specifically, the transaction group generation unit 340 refers to the transaction information storage unit 33, and among the plurality of transaction IDs 332, the transaction source account ID 333 or the customer account ID 334 that matches the search key is associated in step S22. Select all transaction IDs 332. Thereafter, the transaction group generation unit 340 selects transaction information related to the transaction ID 332 selected in step S23. Thereafter, steps S22 and S23 are repeatedly executed until there is no relevant transaction information. In step S22, the transaction group generation unit 340 searches for unselected account IDs from unselected transaction information. When a plurality of related transaction information is selected in step S23, steps S22 and S23 are repeatedly executed for each. For example, when the transaction t11 in FIG. 3 is selected in step S22, the transaction t14 with the transaction source account a1B as the transaction source account ID 333 and the transaction t13 with the transaction account ID 334 are selected as related transaction information. The On the other hand, since there is no transaction in which the transaction account a1E of the transaction t11 is the transaction account ID 333 or the transaction account ID 334, transaction information related to the account a1E is not selected. Then, the transaction t12 is selected as transaction information related to either the customer account a1D in the transaction t14 or the transaction source account a1A of the transaction t13. Thereafter, since transaction information (transaction t13) related to the account a1A of the transaction source of transaction t12 has been selected and there is no transaction information related to the account a1C of the transaction destination, there is related transaction information in step S22. It is determined not to.

  In step S22, when it is determined that there is no relevant transaction information, the transaction group generation unit 340 generates a transaction group (S24). Specifically, the transaction group generation unit 340 issues one group ID 331 and stores the group ID 331 in the transaction information storage unit 33 in association with the selected plurality of transaction IDs 332.

  And the transaction group production | generation means 340 sets a payment order to the transaction information in a transaction group (S25). Specifically, the transaction group generation means 340 performs sorting on predetermined items. And the transaction group production | generation means 340 sets a payment order according to a sorting result. That is, the transaction group generation unit 340 rearranges the transaction ID 332 associated with the selected group ID 331 based on a predetermined sort order, and sets the settlement order 336 corresponding to each transaction ID 332 based on the rearrangement result. The transaction number storage unit 33 is updated by setting the order number.

  For example, the sorting is performed in consideration of the received order, the type of transaction, and the like. Depending on the type of transaction, there are a premise that other transaction types can be settled and a case where payment has to be preferentially performed, so sorting is performed with priority on a specific transaction type. In the case of bond trading, sorting may be performed with priority given to bonds having a small bond type. In other words, by initializing the payment order based on the priority order in the business, the trial is likely to succeed with a small number of trials in the payment order trial process.

  Subsequently, the transaction group generation unit 340 determines whether or not unselected transaction information exists (S26). Specifically, the transaction group generation unit 340 refers to the transaction information storage unit 33 and determines whether or not unselected transaction information exists in the transaction ID 332. In step S26, when it is determined that there is unselected transaction information, the transaction group generation unit 340 selects one of the unselected transaction IDs 332 (S27). Thereafter, steps S22 to S27 are repeatedly executed until selection of all transaction information is completed.

  In step S26, when it is determined that there is no unselected transaction information, that is, all the transaction information has been selected, the transaction group generation unit 340 ends the transaction group generation process. In step S25, the settlement order may be set together at the end of all the transaction group generation processes. FIG. 3 described above is an example of the execution result of the transaction group generation process according to the first exemplary embodiment of the present invention.

  FIG. 8 is a diagram showing an example of a transaction group according to the first exemplary embodiment of the present invention. 8A to 8F are diagrams conceptually showing the relationship between accounts and transactions for the transaction groups g1 to g6 in FIG. FIG. 8 (g) is a legend of one transaction in FIGS. 8 (a) to 8 (f). In the following description of the settlement order adjustment process and the confirmation process, the balance information, transaction group, and transaction information illustrated in FIGS. 2, 3, and 8 are used as appropriate.

  FIG. 9 is a flowchart showing the flow of the settlement order adjustment process according to the first embodiment of the present invention. First, the transaction group settlement trial means 350 performs a transaction group settlement trial process (S301). Here, FIG. 10 is a flowchart showing the flow of the transaction group settlement trial process according to the first embodiment of the present invention. First, the repeated execution means 353 sets initial values for N and L (S41). Here, N is the number of the settlement order to be referred to in the settlement trial process in step S42 described later, and is a loop counter for repeatedly executing the settlement trial process. That is, in step S41, the first settlement order that is the target of the settlement trial process is set. L is an upper limit value of the number of the settlement order referred to in the settlement trial process. In step S301 in FIG. 9, “1” is set in N, and the number of transactions included in the transaction group selected in step S13 in FIG. 6 is set in L. At this time, the success count M is also set to “0”.

  Next, the repeated execution means 353 performs a settlement trial process (S42). Here, FIG. 11 is a flowchart showing the flow of the settlement trial process according to the first embodiment of the present invention. First, the transaction settlement trial means 351 tries settlement of the Nth transaction (S51). For example, immediately after step S41 of FIG. 10 and in the first trial, since N is “1”, the repeated execution means 353 causes the transaction settlement trial means 351 to execute with “N = 1”. Then, the transaction settlement trial unit 351 refers to the account information storage unit 32 and the transaction information storage unit 33 and tries settlement of the Nth transaction in the settlement order 336. That is, the transaction settlement trial unit 351 specifies the transaction account ID 333 and the transaction account ID 334 associated with the transaction ID 332 whose settlement order 336 is Nth, and acquires the transaction amount 335. Then, the transaction settlement trial means 351 acquires the balance information 322 corresponding to the specified transaction source account ID 333 from the account information storage unit 32. Subsequently, the transaction settlement trial unit 351 determines whether or not the acquired balance information 322 is the acquired transaction amount 335 or more.

  Subsequently, the balance information update unit 352 determines whether or not the trial in step S51 is successful (S52). Specifically, in step S51, when it is determined that the balance information 322 of the transaction source account ID 333 in the Nth transaction ID 332 is greater than or equal to the transaction amount 335 in the transaction ID 332, the balance information update unit 352 Judge as successful. On the other hand, when it is determined that the transaction amount is less than 335, the balance information update unit 352 determines that the trial has failed. Note that the balance information update unit 352 stores the determination result (not shown) as to whether or not the trial in step S51 was successful in the transaction information storage unit 33 in association with the transaction ID 332. Also, when the second and subsequent rounds are executed, it is desirable to store them separately. If it is determined in step S52 that the trial has failed, the process proceeds to step S55.

  If it is determined in step S52 that the trial is successful, the balance information update unit 352 adds “1” to the success count M (S53). Then, the balance information update unit 352 updates the balance information 322 (S54). Specifically, first, the balance information updating unit 352 obtains the result of subtracting the transaction amount 335 from the balance information 322 corresponding to the identified transaction source account ID 333 as the balance information 322 in the transaction source account ID 333, and the account information storage unit 32 is updated. Further, the balance information update unit 352 updates the account information storage unit 32 as the balance information 322 in the customer account ID 334, with the result of adding the transaction amount 335 to the balance information 322 corresponding to the specified customer account ID 334.

  Thereafter, the repeated execution means 353 determines whether N is less than L (S55). That is, the repetitive execution unit 353 determines whether or not the process of the transaction settlement trial unit 351 and the process of the balance information update unit 352 should be repeated depending on whether or not there is a transaction for which settlement has not been attempted. If it is determined in step S55 that N is less than L, the repeated execution means 353 adds “1” to N (S56). Thereafter, steps S51 to S56 are repeatedly executed until trials are completed according to the settlement order for all transactions. If it is determined in step S55 that N is equal to or greater than L, that is, if trials have been completed for all transactions, the repeated execution means 353 ends the settlement trial process.

  12 and 13 are diagrams illustrating examples of execution results of the transaction group settlement trial process according to the first embodiment of the present invention. 12A to 12C are diagrams illustrating examples of execution results of the settlement trial process in the first round in the transaction groups g1 to g3 and the second round in the transaction groups g1 and g2 illustrated in FIG. FIGS. 13D to 13F are diagrams illustrating examples of execution results of the first round of settlement trial processing in the transaction groups g4 to g6 illustrated in FIG.

  For example, in the case of the transaction group g1, in the settlement trial process for the first round, settlement is attempted in the order of transactions t11, t12, t13, and t14 according to the settlement order. First, for the transaction t11 having the settlement order “1”, the balance information of the transaction source account a1B is “0” when the transaction amount is “10”. Therefore, the balance information update unit 352 determines that the transaction t11 is unsuccessful (S52). Therefore, the balance information of the trading source account a1B and the trading partner account a1E is not updated. Next, for the transaction t12 having the settlement order “2”, the balance information of the transaction source account a1A is “30” when the transaction amount is “10”. Therefore, the balance information update unit 352 determines that the trial of the transaction t12 is successful (S52). Therefore, the balance information update unit 352 sets the success count M to “1” (S53), and subtracts the transaction amount “10” from the balance information “30” of the transaction source account a1A as “20” in the account information storage unit 32. The balance information 322 of the account ID “a1A” is updated. Further, the balance information update unit 352 updates the balance information 322 of the account ID “a1C” in the account information storage unit 32 as “10” obtained by adding the transaction amount “10” to the balance information “0” of the customer account a1C. (S54). Thereafter, for the transaction t13 having the settlement order “3”, the balance information of the transaction source account a1A is “20” when the transaction amount is “20”. Therefore, the balance information update unit 352 determines that the trial of the transaction t13 is successful (S52), and performs steps S53 and S54 as described above. Further, for the transaction t14 having the settlement order “4”, the balance information of the transaction source account a1B is “10” when the transaction amount is “10”. Therefore, the balance information update unit 352 determines that the trial of the transaction t14 is successful (S52), and performs steps S53 and S54 as described above.

  The above is the flow of the first round of settlement trial processing in the transaction group g1. In FIG. 12A, the success or failure “◯” in the first round indicates a successful transaction, and “x” indicates a failed transaction. Similarly, FIGS. 12B and 12C and FIGS. 13D to 13F show the results of the first round of settlement trial processing for the transaction groups g2 to g6.

  Returning to FIG. 10, the settlement order updating unit 354 determines whether or not a retry is necessary based on the result of step S <b> 42 (S <b> 43). That is, as a result of step S42, the settlement order update unit 354 determines whether there is a transaction for which the trial has failed before the settlement order in the transaction for which the trial has been successful. That is, the settlement order update unit 354 determines whether there is one or more transactions that have failed in the trial before at least the settlement order in the transaction that has been last successful.

  For example, in FIG. 12A, there is a transaction t11 for which the trial has failed before the settlement order “2” to “4” of the transactions t12 to t14 for which the trial was successful. Therefore, the settlement order update unit 354 determines that it is necessary to retry the transaction group g1. Further, in FIG. 12B, there is no transaction in which the trial has failed before the settlement order “1” of the transaction t21 in which the trial was successful, but there is no transaction in the settlement order “3” of the transaction t23 in which the trial was successful. There is a transaction t22 for which the attempt has failed. Therefore, the settlement order update unit 354 determines that it is necessary to retry the transaction group g2. In FIG. 12C and FIG. 13D, since the trials have failed for all the transactions, the settlement order update unit 354 determines that it is not necessary to retry the transaction groups g3 and g4. . This is because the balance of each account has not been updated because the trial has not been successful, and the conditions for performing the trial have not changed, so that a difference in results cannot occur due to the retry. Further, in FIGS. 13E and 13F, since there is no transaction in which the trial failed before the settlement order “2” of the last successful transaction t52 or t62, the settlement order updating unit 354 includes: It is determined that there is no need to retry for trading groups g5 and g6.

  If it is determined in step S43 that it is necessary to retry, the settlement order update unit 354 updates the settlement order (S44). In other words, the settlement order updating unit 354 sets the settlement order in all transactions for which the trial has failed to be “M + 1” or later, which is an order after the settlement order in all transactions for which the trial has succeeded (success number M). The transaction information storage unit 33 is updated. Specifically, first, the settlement order update unit 354 updates the transaction information storage unit 33 with the settlement order of each transaction for which the trial was successful as the success number M of successful transactions at the time when the trial was successful. Next, the settlement order updating unit 354 updates the transaction information storage unit 33 by setting the settlement order in all transactions for which the trial has failed as M + 1 or more and L or less.

  For example, in FIG. 12A, first, “1”, “2”, and “3” are set as the settlement order of the second round of all transactions t12, t13, and t14 that have been successfully tried, respectively. Next, “4” is obtained by adding “1” to “3” as the settlement order of the second round of all transactions t11 for which the trial has failed. Similarly, in FIG. 12B, the settlement order of the second round of all transactions t21 and t23 for which the trial was successful is set to “1” and “2”, respectively, and the second round of the transaction t22 for which the trial has failed. “3” is obtained by adding “1” to “2” as the settlement order, and “4” as the settlement order of the second round of the transaction t24.

  The calculation process of the success number M in step S53 in FIG. 11 may be executed by the settlement order updating unit 354 summing up based on the trial result of the transaction settlement trial unit 351 in step S44.

  Further, the settlement order updating unit 354 may update the settlement order of successful transactions after step S53 in FIG. In other words, when the transaction settlement trial means 351 succeeds, the settlement order update unit 354 updates the transaction information storage unit 33 with the settlement order in the Nth transaction as the success number M after the addition in step S53. It doesn't matter.

  Subsequently, the repeated execution means 353 substitutes “M + 1” for N (S45). Thereafter, steps S42 to S45 are repeatedly executed while it is necessary to retry. If it is determined in step S43 that there is no need to retry, the transaction group settlement trial means 350 ends the transaction group settlement trial process.

  If it is determined in step S43 that it is necessary to retry, the settlement order update unit 354 identifies the settlement order in the transaction that has been last tried successfully, and sets the settlement order in all transactions that have failed in the trial. The transaction information storage unit 33 is updated as an order after the specified settlement order. In this case, it is not always necessary to update the settlement order of transactions that have been successfully attempted. In this case, after the update by the settlement order update unit 354, the repeated execution unit 353 updates N in ascending order based on the settlement order stored in the transaction information storage unit 33 for all transactions for which the trial has failed. The process of the settlement trial unit 351 and the process of the balance information update unit 352 are repeatedly executed.

  For example, in FIG. 12A, it is specified that the settlement order in the last successful transaction t14 is “4”, and “1” is set to “4” as the settlement order of the second round of the transaction t11. The added value may be “5”. Similarly, in FIG. 12B, it is specified that the settlement order in the last successful transaction t23 is “3”, and the settlement order of the second round of the transactions t22 and t24 is “4” and It may be “5”. However, in this case, when step S42 is executed again, N is set to “settlement order in the last successful transaction + 1” and L is “settlement order in the last successful transaction + total number of failed transactions”. And Thereby, the process which updates the payment order in the transaction where trial was successful can be reduced, and processing cost can be reduced.

  Returning to FIG. 9, the transaction group settlement trial means 350 determines whether there is a transaction that has failed in the trial (S302). For example, the transaction group settlement trial unit 350 refers to the transaction information storage unit 33 and makes a determination based on the determination result associated with the transaction ID 332. When it is determined in step S302 that there is no transaction that has failed in the trial, that is, when the trial in step S301 is successful for all transactions in the target transaction group, the transaction group settlement trial means 350 determines that the transaction group is “ It is determined that the transaction is “ordinary transaction” (S310). In the example of FIG. 8, it is determined that only the transaction group g1 is a “normal transaction”. At this time, the transaction group settlement trial means 350 stores a determination result (not shown), which is information indicating “normal transaction”, in the transaction information storage unit 33 in association with the group ID 331.

  If it is determined in step S302 that there is a transaction that has failed in the trial, that is, if the transaction in the target transaction group includes a transaction that has failed in the step S301, the balance information correction unit 360 may The balance of payment is calculated (S303). In the example of FIG. 8, transaction groups g2 to g6 are the targets of step S303. The balance information correction unit 360 refers to the account information storage unit 32 and the transaction information storage unit 33, and performs the following processing for each account included in each transaction group. Specifically, first, the balance information correction unit 360 acquires the balance information 322 of the target account from the account information storage unit 32. Next, the balance information correction unit 360 refers to the transaction information storage unit 33, selects all transactions having the target account as the account of the transaction source or the business partner, and selects the transaction source and transaction amount 335 in the selected transaction ID 332 Calculate the total for each business partner. Then, the balance information correction unit 360 adds the total transaction amount 335 of the transaction with the target account as the account of the customer to the acquired balance information 322, and the transaction amount 335 of the transaction with the target account as the account of the transaction source. Subtract the sum of Then, the balance (not shown) per account, which is the result, is stored in the account information storage unit 32 in association with the target account.

  Here, FIG. 14 is a figure which shows the example of the execution result of the account balance calculation process concerning Embodiment 1 of this invention. 14A to 14E are diagrams showing examples of account balances in the transaction groups g2 to g6, respectively. In FIG. 14A, for example, when the account a2B is the target account, the balance information correction unit 360 first acquires the initial balance “0”. Next, the balance information correction unit 360 acquires the transaction amount “10” of the transaction t21 in which the account a2B is the customer's account. At this time, the total transaction amount (input) is “10”. Further, the balance information correction unit 360 acquires the transaction amounts “10” and “10” of the transactions t23 and t24 with the account a2B as the transaction source account. At this time, the total transaction amount (payment) is “20”. Then, the balance information correction unit 360 adds the total transaction amount (input) “10” to the initial balance “0” and subtracts the total transaction amount (payment) “20” to obtain the balance balance “−10”. Calculate and store in the account information storage unit 32. In addition, the balance balance per account is similarly calculated about Fig.14 (a)-(e).

  Thereafter, the balance information correction unit 360 determines whether or not there is a deficit account in which the balance of balance is in red in the transaction group (S304). That is, the balance information correction unit 360 determines whether there is an account for which the balance of payment calculated in step S303 is a predetermined value or less. Specifically, the balance information correction unit 360 refers to the account information storage unit 32 and confirms whether there is an account having a negative balance. For example, in the case of FIG. 14A, since the balance of accounts a2A and a2B is negative, it is determined that there is a deficit account in the transaction group g2. Similarly, based on FIGS. 14B and 14C, it is determined that there are deficit accounts in the transaction groups g3 and g4. On the other hand, in the case of FIGS. 14D and 14E, since there is no account having a negative balance, it is determined that there is no deficit account in the transaction groups g5 and g6. If it is determined in step S304 that there is no deficit account in the transaction group, the process proceeds to step S308.

  If it is determined in step S304 that there is a deficit account in the transaction group, the balance information correction unit 360 corrects the balance (S305). That is, the balance information correction unit 360 corrects the balance information 322 stored in the account information storage unit 32 by adding the transaction amount at which the balance becomes a predetermined value. For example, the balance information correction unit 360 updates the account information storage unit 32 by adding “10” to the balance information 322 of the account a2A of the transaction group g2. Similarly, the shortage amount is added to the balance information 322 of the accounts a2B, a3A, and a4A in the transaction groups g2, g3, and g4, and the account information storage unit 32 is updated.

  Then, the transaction group settlement trial means 350 executes a transaction group settlement trial process (S306). That is, the transaction group settlement trial unit 350 uses the balance information corrected by the balance information correction unit 360 based on the settlement order 336 stored in the transaction information storage unit 33, and the transaction group settlement trial unit 350 performs the previous trial. Adjusts the order of settlement by trying to settle for all transactions that failed.

  Here, FIG. 15 is a diagram illustrating an example of an execution result of the transaction group settlement trial process after the balance correction process according to the first embodiment of the present invention. FIGS. 15A to 15C are diagrams illustrating examples of execution results of the first round of settlement trial processing in step S306 for the transaction groups g2 to g4, respectively. In the case of FIG. 15A, according to the settlement order after the execution of step S301, settlement is attempted only for the transactions t22 and t24 for which the trial failed in step S301, with the balance of the accounts a2A and a2B corrected. Both transactions t22 and t24 succeed in the trial. In this case, in step S306 in FIG. 9, N is set to “3” and L is set to “4”, and the transaction group settlement trial process in FIG. 10 is executed. Therefore, the transactions t21 and t23 that have been successfully tried before the balance is corrected are not targeted. Therefore, unnecessary processing can be reduced. Similarly, in the case of FIGS. 15B and 15C, in step S306 in FIG. 9, N is set to “1”, L is set to “5”, and the transaction group settlement trial process in FIG. Execute. Here, only the settlement orders “1” and “2” succeed in the trial, but subsequent transaction trials fail.

  Returning to FIG. 9, similarly to step S302, the transaction group settlement trial unit 350 determines whether there is a transaction that has failed in the trial (S307). If it is determined in step S307 that there is no transaction that has failed in the trial, the transaction group settlement trial unit 350 determines that the transaction group is a “red balance chain transaction” (S311). In the example of FIG. 8, it is determined that only the transaction group g2 is a “red balance chain transaction”. At this time, the transaction group settlement trial unit 350 stores a determination result (not shown), which is information indicating “red balance chain transaction”, in the transaction information storage unit 33 in association with the group ID 331.

  Thereafter, the pseudo loop determination unit 370 performs a pseudo loop determination process (S308). Here, FIG. 16 is a flowchart showing the flow of the pseudo-loop determination process according to the first embodiment of the present invention. In the following, in FIG. 8, transaction groups g3 to g6 are processing targets.

  First, the end point transaction selecting unit 371 selects a start point and an end point transaction (S61). Specifically, the end point transaction selection unit 371 refers to the transaction information storage unit 33 and is a transaction in which the transaction source account ID 333 does not match the transaction account ID 334 of another transaction for transactions in the transaction group to be processed. Select the starting transaction. In addition, the end point transaction selection unit 371 refers to the transaction information storage unit 33, and for the transactions in the transaction group to be processed, the end point transaction that is a transaction in which the customer account ID 334 does not match the transaction source account ID 333 of other transactions. select. The start point and end point transactions are referred to as end point transactions. For example, in the case of the transaction group g3, the start point transaction is selected as the transaction t31, and the end point transaction is selected as the transaction t32. Similarly, in the case of transaction groups g4, g5, and g6, the start point transaction is selected as transactions t41, t51, and t61, and the end point transaction is selected as transactions t42, t52, and t62, respectively.

  Next, the end point transaction processing means 372 updates the settlement order of the start point and end point transactions (S62). Specifically, the end point transaction processing unit 372 updates the transaction information storage unit 33 with the settlement order in the start point transaction as the first order, and updates the transaction information storage unit 33 with the settlement order in the end point transaction as the last order. To do. For example, in the case of the transaction group g3, the end point transaction selecting unit 371 sets the settlement order of the transaction t31 that is the start point transaction to “1” and sets the settlement order of the transaction t32 that is the end point transaction to “5”. Update. Similarly, in the case of the transaction groups g4, g5, and g6, the end point transaction selecting unit 371 sets the settlement order of the transactions t41, t51, and t61 that are the start point transactions to “1”, and the transactions t42, t52, and t62 that are the end point transactions. The transaction information storage unit 33 is updated with the settlement order of “5”. In addition, when there are a plurality of start point transactions or end point transactions, the settlement order may be the same value.

  Subsequently, the end point transaction processing unit 372 updates balance information regarding the start point transaction (S63). Specifically, the end point transaction processing unit 372 updates the balance information 322 stored in the account information storage unit 32 on the assumption that settlement of the start point transaction has been confirmed. For example, in the case of the transaction group g3, the end point transaction selecting unit 371, when trying to settle the start point transaction, succeeds in the account a3A that is the transaction source account and the account of the transaction destination based on step S54 in FIG. The balance information 322 of each account a3B is updated to the balance information after settlement. In step S305, the balance information of the account whose balance has been corrected by the balance information correction unit 360 is further updated.

  Then, the pseudo loop determination unit 370 executes the transaction group settlement trial process by the transaction group settlement trial unit 350 except for the start point and end point transactions (S64). For example, the pseudo loop determination unit 370 updates the transaction information storage unit 33 so that the settlement order is 2 or more and less than the number of transactions for transactions excluding the start point and end point transactions in the transaction group. Then, “2” is set to N, “number of transactions−1” is set to L, and the transaction group settlement trial process of FIG. 10 is executed. In step S64, if there is no starting transaction in the transaction group that is the target of the pseudo loop determination process, “1” is set to N. If there is no end transaction, “number of transactions” is set in L. Then, the transaction group settlement trial process of FIG. 10 is executed. For example, the case where a transaction group is only a loop transaction, and the case where one of a start point transaction or an end point transaction does not exist are applicable. When there are a plurality of start point transactions or end point transactions, N is set to a value of “3” or more, L is set to a value less than “number of transactions−1”, and the transaction group settlement trial process of FIG. 10 is performed. Execute.

  For example, in the case of the transaction group g3, the pseudo loop determination unit 370 updates the settlement order as “2” to “4” for the transactions t33, t34, and t35 that are transactions other than the start point or end point transaction. Then, “2” is set to N and “4” is set to L, and the transaction group settlement trial process of FIG. 10 is executed. Here, since the balance information 322 of the account a3B of the transaction source of the transaction t33 with the settlement order “2” is updated to “10” in step S63, the trial of the transaction t33 is successful. Subsequently, since the balance information 322 of the account a3D of the transaction source of the transaction t34 of the settlement order “3” is updated to “10” by the above-described trial, the trial of the transaction t34 is successful. Furthermore, since the balance information 322 of the account a3E of the transaction source of the transaction t35 having the settlement order “4” is updated to “10” by the above-described trial, the trial of the transaction t35 is successful. Therefore, the trial of the transaction t32 with the settlement order “5” is also successful. In other words, the transaction group g3 succeeds in all transaction trials in step S64. The same applies to the transaction group g5. As described above, in the transaction group settlement trial process in steps S301 and S306, even for a transaction group including a transaction that failed in the trial, a trial is performed for the transaction excluding the start point and the end point transaction in steps S61 to S64. Thus, it is possible to obtain a payment order that can be settled. On the other hand, in the case of transaction groups g4 and g6, there is a transaction that fails in the trial even at step S64.

  Thereafter, the pseudo loop determination unit 370 determines whether there is a transaction that has failed in the trial, as in step S302 (S65). If it is determined in step S65 that there is no transaction that has failed in the trial, the pseudo-loop determination unit 370 ends the pseudo-loop determination process.

  In step S65, when it is determined that there is a transaction that has failed in the trial, the origin account selecting unit 373 selects an origin account (S66). Specifically, the origin account selection unit 373 refers to the transaction information storage unit 33, and in step S64, from the account included in the transaction that failed in the trial, one or more customer account IDs 333 and two or more supplier accounts The account set as ID 334 is selected. For example, in the case of the transaction group g4, the account a4B is the account of the transaction source of the transactions t42 and t43, and is the account of the transaction partner of the transactions t41 and t45, and thus is selected as the origin account. Further, in the case of the transaction group g6, the account a6B is the account of the transaction source of the transactions t62 and t63, and is the account of the transaction destination of the transactions t61 and t65, and thus is selected as the origin account.

  Furthermore, FIG. 17 is a figure which shows the prominent example of the transaction group from which the origin account concerning Embodiment 1 of this invention is selected. FIG. 17 is a diagram conceptually showing the relationship between accounts and transactions for the transaction group g7. Note that the legend for one transaction is the same as in FIG. Here, it is assumed that the initial setting of the settlement order of the transaction group g7 is the order of transactions t71, t72,. At this time, in step S301, trials up to transactions t71, t72, and t73 succeed, and trials after transaction t74 fail. In step S304, it is determined that there is no deficit account, and a pseudo loop determination process (S308) is executed. In the case of the transaction group g7, the transaction t71 is selected as the start point transaction and the transaction t73 is selected as the end point transaction (S61). Thereafter, in step S64, transaction group settlement trial processing is executed except for transactions t71 and t73. At this time, transactions up to transactions t72, t74, t75, and t76 succeed, and the transactions t77 to t79 fail. Therefore, in step S65, it is determined that there is a transaction that has failed in the trial. Therefore, in step S66, the origin account selecting means 373 is the account of the transaction source of the transactions t72 and t77 from the accounts a7B, a7G and a7H included in the transactions t77 to t79, and is the account of the business partners of the transactions t71 and t79. A certain account a7B is selected as a starting account.

  Then, the originating transaction processing unit 374 updates the settlement order of the originating transaction (S67). Specifically, the origin transaction processing unit 374 exchanges the prior and subsequent relationships in the settlement order of two or more origin transactions that are transactions in which the account selected by the origin account selecting unit 373 is the account of the transaction source. 33 is updated. For example, in the case of the transaction group g7, the originating transaction processing means 374 sets the settlement order of the transaction t77, in which the account a7B is the account of the transaction source, to a value greater than “2” and the settlement order of the transaction t72 as a value greater than “2”, The transaction information storage unit 33 is updated by switching the relationship between the settlement order of the transaction t77 and the transaction t72. Similarly, in the case of the transaction groups g4 and g6, the starting transaction processing means 374 sets the settlement order of the transactions t43 and t63 as “2” and the settlement order of the transactions t42 and t62 as “number of transactions”, that is, the transaction t42 and the transaction The transaction information storage unit 33 is updated by replacing the prior relationship of the settlement order with t43 and replacing the prior relationship of the settlement order between the transaction t62 and the transaction t63. In step S67, when there is no origin transaction in the transaction group to be subjected to the pseudo loop determination process, the transaction information storage unit 33 is not updated. Further, the settlement order of the transactions t77, t43 and t63 may not be “2”.

  Thereafter, the pseudo loop determination unit 370 performs a transaction group settlement trial process for transactions excluding the start point and end point transactions in the transaction group (S68). At this time, the pseudo loop determination unit 370 performs a transaction group settlement trial process for transactions excluding the start point and end point transactions in the transaction group. At this time, it is preferable to perform the transaction group settlement trial process by updating the transaction information storage unit 33 by appropriately replacing the prior relationship in the settlement order of a plurality of origin transactions. Then, the trial of settlement is repeated until the trial is successful for all transactions or until the trial is finished for all combinations of orders. As a result, it is possible to surely determine whether or not settlement is possible for a target transaction group in a state where there is no deficit account. In step S68, since various combinations of settlement orders in a plurality of targeted transactions are tried, the processing time becomes long. However, it can be said that the number of transaction groups to be processed in step S68 is small because it has been narrowed down by the processes before step S64. Therefore, it can be said that the effect of performing the process of step S68 is high. Thereafter, the pseudo loop determination unit 370 ends the pseudo loop determination process. Note that, instead of steps S66 to S68, the pseudo loop determination unit 370 may simply perform a settlement trial for all transactions excluding the start point and end point transactions in the transaction group.

  For example, in the case of the transaction group g7, the pseudo loop determination unit 370 determines the settlement order of the starting transactions t72 and t77 for the transactions t72, t74, t75, t76, t77, t78, and t79 excluding the start transaction t71 and the end transaction t73. Attempts are made for all combinations of settlement orders by changing the relationship. As a result, it is found that payment can be made in the order of transactions t71, t77, t78, t79, t72, t74, t75, t76, and t73. On the other hand, in the case of the transaction groups g4 and g6, it is found that there is no settlement order that can be settled even if all combinations of settlement orders are tried.

  Returning to FIG. 9, the pseudo loop determination unit 370 determines whether or not there is a transaction that has failed in the trial, similarly to step S <b> 302 (S <b> 309). If it is determined in step S309 that there is no transaction that has failed in the trial, the pseudo loop determination unit 370 determines that the transaction group is a “pseudo loop transaction” (S312). When it is determined in step S304 that the transaction group has a red account, the pseudo loop determination unit 370 determines that the transaction group is a “red balance chain transaction” and a “pseudo loop transaction”. In the example of FIG. 8, it is determined that the transaction group g5 is a “pseudo loop transaction”, and the transaction group g3 is determined to be a “red balance chain transaction” and a “pseudo loop transaction”. Further, it is determined that the transaction group g7 as an example of FIG. 17 is a “pseudo loop transaction”. At this time, the pseudo loop determination unit 370 associates a determination result (not shown) indicating information indicating “pseudo loop transaction” or “red balance chain transaction” and “pseudo loop transaction” with the group ID 331 and transaction information. Store in the storage unit 33.

  If it is determined in step S309 that there is a transaction that has failed, the pseudo loop determination unit 370 determines that the transaction group is a “authentic loop transaction” (S313). If it is determined in step S304 that the transaction group has a red account, the pseudo loop determination unit 370 determines that the transaction group is a “red balance chain transaction” and a “genuine loop transaction”. In the example of FIG. 8, it is determined that the transaction group g6 is a “authentic loop transaction”, and the transaction group g4 is determined to be a “red balance chain transaction” and a “authentic loop transaction”. At this time, the pseudo loop determination means 370 associates a determination result (not shown), which is information indicating “authentic loop transaction” or “red balance chain transaction” and “authentic loop transaction”, with the group ID 331 as transaction information. Store in the storage unit 33.

  FIG. 18 is a flowchart showing the flow of the confirmation process according to the first embodiment of the present invention. First, the confirmation unit 380 refers to the transaction information storage unit 33 and confirms the determination result in the transaction group to be processed (S701). When the determination result is confirmed as “normal transaction” in step S701, the determination unit 380 determines that the settlement order after S301 of all transactions in the transaction group to be processed is settleable (S702). For example, in the case of the transaction group g1, the settlement order for the second round in FIG. Here, as the confirmation process, for example, it is possible to notify the account system etc. to execute settlement of all transactions included in the transaction group, or to settle to the owner of the account included in the transaction group. It is good to notify that there is.

  When it is confirmed in step S701 that the determination result is only “red balance chain transaction”, the confirmation unit 380 confirms that the settlement order of transactions before the red balance transaction can be settled in the settlement order after step S301. (S703). Here, the red balance transaction is a transaction in which the trial of settlement is successful in step S306 out of transactions in which the account whose balance information is corrected in step S305 in FIG. For example, in the case of the transaction group g2, the settlement order “1” and “2” of the transaction t21 and the transaction t23, which are the settlement orders before the transaction t22 which is the red balance transaction in FIG. The

  Then, the determination unit 380 notifies the balance shortage to the account whose balance has been corrected in step S305 (S704). Here, as the balance shortage notification, for example, it may be notified to the owner of the account to be notified that settlement cannot be performed due to a shortage of balance and that the shortage amount is added to the account. For example, in the case of the transaction group g2, the confirmation unit 380 notifies the accounts a2A and a2B of insufficient balance.

  When it is confirmed in step S701 that the determination result includes “pseudo loop transaction”, the determination unit 380 further determines whether or not the determination result includes “red balance chain transaction” (S705). When it is determined in step S705 that the determination result includes “red balance chain transaction”, the determination unit 380 assumes that the settlement order of transactions before the red balance transaction can be settled in the settlement order after step S308. Confirm (S706). For example, in the case of the transaction group g3, there is no transaction in the settlement order before the transaction t31 which is the red balance transaction in FIG.

  Then, as in step S704, the confirmation unit 380 notifies the account whose balance has been corrected in step S305 to the balance shortage (S707). For example, in the case of the transaction group g3, the confirmation unit 380 notifies the account a3A of insufficient balance.

  If it is determined in step S705 that the determination result does not include “red balance chain transaction”, the confirmation unit 380 determines that the settlement order after S308 of all transactions in the transaction group to be processed is settleable (S708). ). For example, in the case of the transaction group g5, the settlement order of the transactions t51, t53, t54, t55, and t52 is determined as being settleable.

  When it is confirmed in step S701 that the determination result includes “authentication loop transaction”, the determination unit 380 further determines whether or not the determination result includes “red balance chain transaction” (S709). If it is determined in step S709 that the determination result does not include “red balance chain transaction”, the process proceeds to step S711. If it is determined in step S709 that the determination result includes “red balance chain transaction”, the determination unit 380 issues a balance shortage notification to the account whose balance has been corrected in step S305, similarly to step S704 (S710). For example, in the case of the transaction group g4, the confirmation unit 380 issues a balance shortage notification to the account a4A.

  Thereafter, the determination unit 380 determines the settlement order of the transaction that has been successfully attempted in step S301 (S711). For example, in the case of the transaction group g4, as shown in FIG. 13D, since there is no transaction that has been successfully attempted in step S301, the settlement order is not determined. In the case of the transaction group g6, the settlement orders “1” and “2” of the transactions t61 and t62 in FIG.

  Then, the confirmation unit 380 notifies the transaction failure in the loop transaction (S712). Here, as the transaction impossibility notification, for example, it may be notified to the owner of the account to be notified that the settlement is not possible because it is a loop transaction and other related accounts. For example, in the case of the transaction group g4, the confirmation unit 380 notifies the account a4B, a4D, and a4E that the transaction is not possible. In the case of the transaction group g6, the confirmation unit 380 notifies the accounts a6B, a6D, and a6E that the transaction is not possible.

  Thereafter, the confirmation unit 380 ends the confirmation process. FIG. 18 is an example of the confirmation process according to the first embodiment of the present invention, and can be realized by other methods. The confirmation process according to the first embodiment of the present invention may confirm the settlement order of each transaction according to at least the determination result of the transaction group determined by the settlement order adjustment process.

  As described above, in the first embodiment of the present invention, for transactions that can be settled in a predetermined order by the transaction group settlement trial process, it is assumed that settlement is confirmed sequentially and excluded from the subsequent trial targets. It is. That is, once a transaction has been successfully tried, as a rule, it is not tried again. For this reason, the number of trials can be reduced as compared to trials with brute force. In other words, the settlement order that can be settled is not comprehensively determined, but a case where the rate of actual settlement is high is preferentially detected. Therefore, when a plurality of transactions are settled continuously, the settlement order that can be settled can be determined efficiently with a small number of trials.

<Embodiment 2 of the Invention>
In transactions such as bonds, the amount of bonds may be handled depending on the type and number of tickets. For example, when there are a ticket type with “100” as one unit and a ticket type with “50” as one unit, it is necessary to manage the number of sheet surfaces for each. In the transaction, the ticket type and the number of sheets can be specified. Therefore, in the case of bond transactions, even if payment can be made with the balance of the account, payment may not be possible depending on the type and number of tickets. Therefore, the settlement order determination system according to the second embodiment of the present invention is a modification of the balance information correction unit 360 of the settlement order determination system 3 according to the first embodiment of the present invention. That is, the balance information correction means according to the second embodiment of the present invention is based on the bond type and number of bonds in the balance of the accounts included in the transaction group when the transaction is a transaction on bonds determined by the ticket type and number. The balance per account is calculated. At this time, it is assumed that the account information storage unit 32 of FIG. 1 stores the identification information of the bond type of the bond and the number of the type of the bond instead of the balance information 322 or separately. Further, it is assumed that the transaction information storage unit 33 of FIG. 1 stores the identification information of the bond type of the bond related to the transaction ID 332 and the number of the ticket type in association with the transaction ID 332. Note that the settlement order determination system according to the second exemplary embodiment of the present invention has no change in the configuration other than that described above as compared with the first exemplary embodiment of the present invention. Hereinafter, the difference from the first embodiment will be mainly described, and detailed description of the configuration and processing equivalent to those of the first embodiment will be omitted.

  FIG. 19 is a diagram illustrating an example of a transaction group in consideration of the ticket type and the number of sheets according to the second embodiment of the present invention. FIG. 19A is a diagram conceptually showing the relationship between accounts and transactions for the transaction group g8. FIG. 19B is a legend of one transaction in FIG. Here, it is assumed that the initial setting of the settlement order of the transaction group g8 is the order of transactions t81, t82,. The brackets under each account indicate the initial balance of bond type and number of bonds. For transactions where the parenthesis of the transaction amount under each transaction is "-", the bond type and number of bonds are specified. It is assumed that there is no transaction.

  FIG. 20 (a) is a diagram showing an example of an account balance when the account balance is calculated using only the transaction amount as in the first embodiment of the present invention. FIG. 20B is a diagram showing an example of an account balance in consideration of the ticket type and the number of sheets according to the second embodiment of the present invention.

  Next, the case where the balance of balance for the account a8A is calculated in step S303 in FIG. 9 will be described. First, the balance information correction unit 360 according to the first exemplary embodiment of the present invention acquires the balance information “100” of the account a8A from the account information storage unit 32. Then, the balance information correction unit 360 acquires the transaction amounts “200”, “100”, and “150” of the transactions t81, t82, and t83 with the account a8A as the customer's account from the transaction information storage unit 33, and the transaction amount The total (input) “450” is calculated. Further, the balance information correction unit 360 stores the transaction amounts “50”, “150”, “100”, and “100” of the transactions t84, t85, t86, and t87 with the account a8A as the transaction source account from the transaction information storage unit 33. And the total transaction amount (payment) “400” is calculated. Then, the balance information correction unit 360 adds the total transaction amount (input) “450” to the acquired balance information “100” and subtracts the total transaction amount (payment) “400” to obtain the balance balance “150”. Is calculated.

  On the other hand, the balance information correction unit according to the second exemplary embodiment of the present invention acquires the number “1” of the ticket type “100” of the account a8A from the account information storage unit 32 as the initial number. And the said balance information correction | amendment means acquires the number of sheets "1" of the ticket type "100" of the transaction t82 with a ticket type designation | designated from the transaction information storage part 33 among the transactions which use the account a8A as a customer's account, At the same time, transaction amounts “200” and “150” of transactions t81 and t83 with no ticket type designation are acquired. Then, the balance information correction means converts the acquired transaction amounts “200” and “150” as the number of ticket types in the largest possible unit. That is, the number “3” of the ticket type “100” and the number “1” of the ticket type “50” are converted. Thereafter, the balance information correction means calculates the total number (in) “4” of the ticket type “100” and the total number (in) “1” of the ticket type “50”. Further, the balance information correction means obtains the number “1” of the ticket type “50” of the transaction t84 with the ticket type designation from the transaction information storage unit 33 in the transaction with the account a8A as the transaction source account, In addition, the transaction amounts “150”, “100”, and “100” of transactions t85, t86, and t87 with no ticket type designation are acquired. Then, the balance information correction means converts the acquired transaction amounts “150”, “100”, and “100” as the number of ticket types in the largest possible unit. That is, the number “3” of the ticket type “100” and the number “1” of the ticket type “50” are converted. Thereafter, the balance information correction means calculates the total number (payment) “3” of the ticket type “100” and the total number (payment) “2” of the ticket type “50”. Then, the balance information correction means adds the total number (in) “4” to the initial number “1” and subtracts the total number (payment) “3” for the ticket type “100” to obtain the balance number. “2” is calculated. At the same time, the balance information correction means adds the total number (on) “1” to the initial number “0” and subtracts the total number (payment) “2” for the ticket type “50”. The number “−1” is calculated. That is, as shown in FIG. 20B, the account a8A is determined to have a deficit balance.

  As described above, when the ticket type and the number of sheets are not considered as shown in FIG. 20A, it is determined to be in black. However, according to the second embodiment of the present invention, the ticket type and the number of sheets are determined as shown in FIG. By taking into consideration, it is determined that there is a deficit, and even if payment is possible with the amount of the balance of the account, it is possible to determine a payment order in which payment can be made accurately when payment is not possible depending on the type and number of tickets .

<Other embodiments of the invention>
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.

1a, 1b,... 1n terminal 2 network 3 settlement order determination system 301 CPU
302 RAM
303 ROM
304 Communication unit 305 Hard disk 306 OS
307 Settlement order determination program 31 Control unit 32 Account information storage unit 321 Account ID
322 Balance information 33 Transaction information storage unit 331 Group ID
332 Transaction ID
333 Trading account ID
334 Customer account ID
335 Transaction amount 336 Settlement order 340 Transaction group generation means 350 Transaction group settlement trial means 351 Transaction settlement trial means 352 Balance information update means 353 Repeat execution means 354 Settlement order update means 360 Balance information correction means 370 Pseudo loop determination means 371 Endpoint transaction selection Means 372 Endpoint transaction processing means 373 Origin account selection means 374 Origin transaction processing means 380 Confirmation means a1A, a1B, a1C, a1D, a1E accounts a2A, a2B, a2C, a2D, a2E accounts a3A, a3B, a3C, a3D, a3E A4B, a4C, a4D, a4E accounts a5A, a5B, a5C, a5D, a5E accounts a6A, a6B, a6C, a6D, a6E accounts a7A, a7B, a7C, a7D, a7E, a7F, a7G, a7H 8A, a8B, a8C, a8D, a8E, a8F, a8G, a8H accounts g1, g2, g3, g4, g5, g6, g7, g8 trade groups t11, t12, t13, t14 transactions t21, t22, t23, t24 transactions t31 , T32, t33, t34, t35 transactions t41, t42, t43, t44, t45 transactions t51, t52, t53, t54, t55 transactions t61, t62, t63, t64, t65 transactions t71, t72, t73, t74, t75, t76 , T77, t78, t79 transactions t81, t82, t83, t84, t85, t86, t87 transactions

Claims (9)

A settlement order determination system that determines a settlement order that can be settled in L (L is an integer of 3 or more) transactions included in a transaction group,
A balance information storage unit for storing balance information of an account related to the transaction;
A settlement order storage unit for storing a settlement order in each transaction included in the transaction group;
A control unit that controls processing for determining the settlement order in the transaction,
The controller is
First settlement order adjusting means for adjusting the settlement order by trying settlement of transactions included in the transaction group based on the settlement order stored in the settlement order storage unit;
A confirming means for confirming the settlement order as an order that can be settled when a trial of settlement of all transactions included in the transaction group is successful by the settlement order adjusted by the first settlement order adjustment means; Prepared,
The first settlement order adjustment means includes:
Transaction settlement trial means for referring to the balance information storage unit and the settlement order storage unit and trying to settle a transaction for which the settlement order is N (N is an integer of 1 or more and L or less);
When the trial by the transaction settlement trial unit is successful, the balance information stored in the balance information storage unit is updated on the assumption that settlement of the Nth transaction is confirmed, and when the trial fails , Balance information updating means that the Nth transaction has not been settled;
A first iterative execution unit that repeatedly executes the process by the transaction settlement trial unit and the process by the balance information update unit while N is from 1 to L;
As a result of execution by the first repetitive execution means, if there is a transaction in which the trial has failed before the settlement order in the transaction in which the trial was successful, the settlement order in all transactions in which the trial has failed is the trial Settlement order update for updating the settlement order storage unit so that it becomes M + 1 or later after the settlement order in the M transactions (M is an integer of 1 or more and less than L) which are all successful transactions Means,
A second iterative execution unit that repeatedly executes the process by the transaction settlement trial unit and the process by the balance information update unit after N is updated from M + 1 to L after the update by the settlement order update unit;
A settlement order determination system characterized by including: When the settlement order is not confirmed as an order that can be settled by the confirmation means, the balance information storage unit and the settlement order storage unit are referred to and settlement of all transactions included in the transaction group is confirmed. The balance per account is calculated under the assumption, and the balance information stored in the balance information storage unit is corrected by adding the transaction amount where the balance is a predetermined value for an account where the calculated balance is a predetermined value or less. Balance information correction means for
Using the balance information corrected by the balance information correcting unit, the first settlement order adjusting unit settles all transactions for which the trial has failed based on the settlement order stored in the settlement order storage unit. A second settlement order adjusting means for adjusting the settlement order by trying,
The confirmation means determines the trial by the first settlement order adjustment means when the trial of settlement of all transactions included in the transaction group is successful by the settlement order adjusted by the second settlement order adjustment means. 2. The settlement order determination system according to claim 1, wherein the settlement order until the settlement order of the last successful transaction is further confirmed as an order that can be settled. When the settlement order is not confirmed as an order that can be settled by the confirmation means, from each transaction included in the transaction group, the account of the transaction source matches the account of the business partner of the other transaction in the transaction group An end point transaction selection means for selecting a start point transaction that is a transaction that is not a transaction, and an end point transaction that is a transaction in which the account of the customer does not match the account of the transaction source of another transaction in the transaction group;
The settlement order storage unit is updated with the settlement order in the start point transaction as an initial order, the balance information stored in the balance information storage unit is updated on the assumption that settlement of the start point transaction is confirmed, and the end point An end point transaction processing means for updating the settlement order storage unit as a settlement order in a transaction as the last order;
Based on the settlement order updated by the end point transaction processing means, a third settlement order that adjusts the settlement order by trying settlement for transactions other than the start point transaction and the end point transaction in the transaction group. Adjusting means,
The confirmation means stores the payment order stored in the payment order storage unit when the payment attempt of all the transactions included in the transaction group is successful by the payment order adjusted by the third payment order adjustment means. The settlement order confirmation system according to claim 1 or 2, wherein the settlement order is confirmed as an order in which settlement is possible. Among the accounts included in the transaction for which the trial has failed by the third settlement order adjustment means, there are transactions in which the customer is the account of the business partner, and there are two or more transactions in which the self is the account of the transaction source Origin account selection means for selecting an account to be
An origin transaction processing means for updating the settlement order storage unit by exchanging a prior relationship in the settlement order of two or more origin transactions, which is a transaction in which the account selected by the origin account selecting means is the transaction of the transaction source; In addition,
The third settlement order adjustment means, based on the settlement order updated by the origin transaction processing means, tries to settle a transaction excluding the start point transaction and the end point transaction in the transaction group. 4. The settlement order determination system according to claim 3, wherein the settlement order is adjusted.   When the settlement of all transactions included in the transaction group succeeds in the settlement order adjusted by the third settlement order adjustment unit, the determination unit performs the trial by the first settlement order adjustment unit. The settlement order confirmation system according to any one of claims 1 to 4, wherein a settlement order up to a settlement order of a last successful transaction is confirmed as an order that can be settled. A plurality of transactions for settlement of a predetermined amount from a trading partner account to a trading partner account are accepted from the outside, and at least one account of the trading partner account or the trading partner account is selected from the plurality of accepted trading transactions Further comprises a transaction group generating means for selecting a transaction common to other transactions and generating a set of the selected transactions as the transaction group,
The settlement according to any one of claims 1 to 5, wherein the first settlement order adjustment unit adjusts the settlement order with respect to the transaction group generated by the transaction group generation unit. Order confirmation system.   The balance information correction means calculates the balance per account based on the bond type and number of bonds in the account balance included in the transaction group when the transaction is a transaction on bonds determined by the type and number of tickets. The settlement order determination system according to claim 2, wherein: A balance information storage unit for storing balance information of accounts related to transactions;
A settlement order storage unit for storing settlement orders in L (L is an integer of 3 or more) transactions included in the transaction group;
A control unit for controlling processing for determining the settlement order in the transaction;
A settlement order determination method for controlling a process for determining a settlement order that can be settled in each transaction included in the transaction group in a computer comprising:
In the control unit,
A first settlement order adjustment step of adjusting the settlement order by trying to settle a transaction included in the transaction group based on the settlement order stored in the settlement order storage unit;
A confirming step of determining the settlement order as a settlementable order when trials of settlement of all transactions included in the transaction group are successful by the settlement order adjusted in the first settlement order adjustment step; Including
The first settlement order adjustment step includes:
A transaction settlement trial step of referring to the balance information storage unit and the settlement order storage unit and attempting settlement of a transaction whose Nth order is N (N is an integer of 1 or more and L or less);
When the trial by the transaction settlement trial step is successful, the balance information stored in the balance information storage unit is updated on the assumption that settlement of the Nth transaction is confirmed, and when the trial fails , A balance update step in which the Nth transaction has not been settled;
A first iterative execution step for repeatedly executing the transaction settlement trial step and the balance update step while N is from 1 to L;
As a result of the execution by the first repeated execution step, if there is a transaction in which the trial has failed before the settlement order in the transaction in which the trial was successful, the settlement order in all transactions in which the trial has failed is the trial Settlement order update for updating the settlement order storage unit so that it becomes M + 1 or later after the settlement order in the M transactions (M is an integer of 1 or more and less than L) which are all successful transactions Steps,
A second repetitive execution step of repeatedly executing the transaction settlement trial step and the balance update step while N is from M + 1 to L after the settlement order update step;
A settlement order determination method comprising: A balance information storage unit for storing balance information of accounts related to transactions;
A settlement order storage unit for storing settlement orders in L (L is an integer of 3 or more) transactions included in the transaction group;
A control unit for controlling processing for determining the settlement order in the transaction;
A settlement order determination program for causing a computer comprising: to execute a process for determining a settlement order in which settlement is possible in each transaction included in the transaction group,
A first settlement order adjustment process for adjusting the settlement order by trying settlement of transactions included in the transaction group based on the settlement order stored in the settlement order storage unit;
A confirmation process for confirming the settlement order as an order that can be settled when a settlement trial of all transactions included in the transaction group is successful by the settlement order adjusted by the first settlement order adjustment process; Including
The first settlement order adjustment process includes:
A transaction settlement trial process that refers to the balance information storage unit and the settlement order storage unit, and that attempts to settle a transaction in which the settlement order is N (N is an integer greater than or equal to 1 and less than or equal to L);
When the trial by the transaction settlement trial process is successful, the balance information stored in the balance information storage unit is updated on the assumption that settlement of the Nth transaction is confirmed, and the trial fails , A balance update process that assumes that the Nth transaction has not been settled;
A first iterative execution process for repeatedly executing the transaction settlement trial process and the balance update process while N is from 1 to L;
As a result of execution by the first repetitive execution process, if there is a transaction in which the trial has failed before the settlement order in the transaction in which the trial was successful, the settlement order in all transactions in which the trial has failed is the trial Settlement order update for updating the settlement order storage unit so that it becomes M + 1 or later after the settlement order in the M transactions (M is an integer of 1 or more and less than L) which are all successful transactions Processing,
A second repetitive execution process for repeatedly executing the transaction settlement trial process and the balance update process between N and M + 1 to L after the update by the settlement order update process;
A settlement order determination program characterized by comprising:

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