JP2017134639A - Settlement processing system, settlement processing method and settlement processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing system by which a novel deposit account is opened and a transaction can be performed by utilizing the deposit account even during settlement processing, a settlement processing method and a settlement processing program.SOLUTION: The settlement processing system consists of a centralized entry system 20, an account system 30 and a batch processing system 40. When starting settlement processing, the batch processing system 40 identifies a settlement target account. The centralized entry system 20 requests settlement processing regarding each of settlement target accounts. In such a case, the account system 30 performs the settlement processing for acquiring a product number in a present-fiscal product number storage region, performing interest calculation on the basis of the product number and generating a next-fiscal product number storage region for the settlement target account. In the case where a new account opening request is acquired during the settlement processing, the account system 30 generates a present-fiscal product number storage region and a next-fiscal product number storage region of an account to be newly opened.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a settlement processing system, settlement processing method, and settlement processing program for calculating interest on a deposit account.

  Deposit interest on liquid deposits (savings deposits, current deposits, savings deposits, etc.) at financial institutions is calculated by calculating the amount of interest for the product calculated according to the transaction up to the balance sheet date. Deposit the account as the first transaction on the next day. Generally, provisional settlement processing is performed as of the settlement date or the day before the settlement date, and then the account interest transfer is canceled, the interest amount is recalculated, and the settlement interest re-payment is performed for the account whose account balance has been moved. In many cases, deposit processing is performed (see, for example, Patent Document 1). When there are a large number of deposit accounts, it is burdensome to perform processing within a predetermined period.

  In view of this, a financial transaction management system for executing a process in which a deadline is determined by distributing the load is also being studied (for example, see Patent Document 2). In the technique described in this document, the customer ledger storage unit of the host system is provided with the previous product number storage area and the current product number storage area. The form management system includes a data acquisition unit that functions as a data warehouse and a time-series data storage unit. When the host system obtains access to the account information, it determines whether it is the first access after the interest settlement date. In the case of the first access, the host system determines the product number in the previous period and executes the settlement interest calculation process and the interest payment process. Further, the form management system acquires a stationary cross section every day at 24:00 and records it in the time-series data storage unit. When the start time of form creation is reached, the form management system specifies a stationary section at the closing date of 24:00 and executes form creation processing.

JP-A-5-12319 JP 2015-14857 A

  When interest settlement processing is performed by batch processing, a target account for settlement processing is extracted, and interest calculation is performed on the extracted target account. Therefore, the account opened after the extraction of the target account cannot be included in the batch processing target. For this reason, the opening of a new account was suspended during the period in which the interest settlement process was performed. On the other hand, even during the period of interest settlement processing, it may be necessary to open a new deposit account for a new transaction. Furthermore, liquid deposit transactions on holidays and at night are becoming common with remote channels such as automated teller machines and the Internet. In this case, the suspension of opening a new deposit account may cause a loss of transaction opportunities and hinder smooth transactions.

  The present invention has been made in view of the above-described problems. The purpose of the present invention is to open a new deposit account and perform transactions using this deposit account even during the settlement process. To provide a system, a settlement processing method, and a settlement processing program.

  [1] A settlement processing system that solves the above-mentioned problems specifies a settlement target account at the start of settlement processing, acquires the product number of the current product storage area for the settlement target account, and based on the product number An interest calculation is performed, and a settlement process is performed to generate a next-term product storage area of the settlement target account. When a new account opening request is acquired during the settlement process, a current product storage area and a next product storage area of a newly opened account are generated. This makes it possible to open a new account and conduct a transaction even during the settlement process.

  [2] This settlement processing system includes an account processing unit, a batch processing unit, and a centralized bookkeeping processing unit. The account processing unit is provided with a current product storage area and a next product storage area for each account. The batch processing unit uses the deposit ledger to identify a settlement target account, and the centralized accounting processing unit sequentially performs the settlement processing for the settlement target account identified by the batch processing unit. Is preferably performed. Accordingly, the settlement process can be performed using the account processing unit that manages the transaction for each account.

  [3] Preferably, in the settlement process, the settlement processing system clears the current product storage area for a settlement target account that has acquired a product number from the current product storage area. Thereby, the product number storage area can be utilized efficiently.

  [4] This settlement processing system cancels the settlement processing for the settlement target account and acquires the payment or payment request to the settlement target account during the settlement processing process, based on the payment or payment. It is preferable to re-execute the settlement process using the current product number. Thereby, even when a transaction occurs during the settlement process, the settlement process corresponding to the transaction can be performed.

  According to the present invention, even during settlement processing, a new deposit account can be opened and transactions can be performed using this deposit account.

The system schematic of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In the present embodiment, a case will be described in which a financial institution enables opening of a new account and transactions using the new account even during the period of interest settlement processing in a liquid deposit account.

As shown in FIG. 1, in this embodiment, a channel system 10, a billing system 30, and a batch processing system 40 are used.
The channel system 10 includes an ATM 11, a business terminal 12, and the like. Further, the channel system 10 includes a centralized bookkeeping system 20. The settlement processing system according to the present embodiment includes a centralized bookkeeping system 20 (centralized bookkeeping processing unit), a billing system 30 (billing processing unit), and a batch processing system 40 (batch processing unit).

The ATM 11 is an automated teller machine (ATM) that performs transactions using cash cards and cash.
The business terminal 12 is a computer terminal that is installed at a window of a financial institution store and inputs and outputs various types of information in order to conduct transactions with customers.
The channel system 10 to which the processing request has been input transmits a processing request message to the billing system 30. This processing request message includes information for specifying a processing type (a transaction request for deposits and withdrawals, a balance inquiry request, a book of account interest, etc.) and an account to be processed.

  The centralized bookkeeping system 20 is a computer system that instructs the billing system 30 to book the account to be processed. The centralized bookkeeping system 20 includes an account information acquisition unit 21, a target account information storage unit 22, and a bookkeeping execution control unit 23.

The account information acquisition unit 21 acquires account information to be settled from the batch processing system 40 and records it in the target account information storage unit 22.
The target account information storage unit 22 stores a target account record related to an account for which interest is recorded in the interest settlement process. This target account record is recorded when target account information is acquired from the batch processing system 40. In this target account record, data relating to an account identifier for interest settlement processing is recorded.
The bookkeeping execution control unit 23 instructs the account system 30 to book the account interest for each account to be processed.

  The account system 30 is a computer system that manages transactions using a customer's deposit account in real time online. The billing system 30 includes control means (CPU, RAM, ROM, etc.) and functions as an account management unit 31. Further, the accounting system 30 includes a deposit ledger storage unit 32.

  The account management unit 31 executes a management process for the customer's deposit account by executing an account management program. In the present embodiment, the account management unit 31 executes various transaction processes using the customer's deposit account in accordance with the processing request message. Further, the account management unit 31 holds a settlement period table. In this settlement date table, data relating to the settlement date, the settlement date, and the payment date (primary date) of the settlement interest are recorded. Furthermore, the account management unit 31 manages the balance and product number of each account, and calculates and deposits the settlement interest of each account.

  In the deposit ledger storage unit 32, deposit ledger data 320 for managing each deposit account is recorded. This deposit ledger data 320 is recorded when an account is opened. In this deposit ledger data 320, data relating to an account identifier and a deposit / withdrawal history is recorded.

In the account identifier data area, data relating to an identifier for specifying a customer's deposit account is recorded.
In the deposit / withdrawal history data area, data related to transaction history such as deposit / withdrawal performed using this account is recorded. In the present embodiment, data relating to the transaction date, transaction type, transaction amount, and balance are recorded in this deposit / withdrawal history data area. In the present embodiment, even when the settlement interest is deposited, the interest deposit history is recorded in this deposit / withdrawal history data area.

Further, the deposit ledger data 320 is provided with a storage area for recording the current product number and the next product number.
Each product number storage area is a data area for managing the product number of each account corresponding to each settlement period. This product number storage area is generated in the settlement process, and is updated each time a transaction is made. As a result, the product number associated with the settlement period (in this embodiment, this term, next term) is recorded in the product number storage area. In this product number storage area, data relating to the product number for calculating the deposit interest for this account is recorded. In the present embodiment, the cumulative amount (product number) obtained by adding the balances of the respective dates after the previous day after the previous settlement date is recorded.

  The batch processing system 40 executes a process for extracting a settlement target account. The batch processing system 40 includes a control unit 41, a deposit ledger storage unit 42, and a target account information storage unit 43.

The control unit 41 acquires the deposit ledger data 320 recorded in the deposit ledger storage unit 32 of the account system 30.
The deposit ledger storage unit 42 records the deposit ledger data 320 acquired from the account system 30. In the deposit ledger data 320, a balance and a product number are recorded.

  In the target account information storage unit 43, information related to an account that is a target of interest settlement processing is recorded. In the present embodiment, the target account information storage unit 43 records data related to the account identifier of the target account for interest settlement processing.

Next, in the system configured as described above, a processing procedure in the case of performing an interest settlement process for a deposit account, a transaction process, and an account opening process will be described with reference to FIGS.
(Interest settlement)
First, the interest settlement process will be described with reference to FIG. This interest settlement processing is performed on the interest calculation date (interest settlement date) for calculating the settlement interest. For example, when the interest settlement date is Sunday, and the settlement interest is paid on Monday, it starts at a predetermined time (for example, 24:00) on the previous business day (Friday the previous week).

  First, the batch processing system 40 executes a ledger copy process (step S1-1). Specifically, the control unit 41 of the batch processing system 40 accesses the account system 30 and acquires the deposit ledger data 320 from the deposit ledger storage unit 32. Then, the control unit 41 records the acquired deposit ledger data 320 in the deposit ledger storage unit 42.

  Next, the batch processing system 40 executes an account settlement target account extraction process (step S1-2). Specifically, the control unit 41 of the batch processing system 40 extracts a deposit account for interest settlement processing from the accounts recorded in the deposit ledger storage unit 42. Here, the deposit account in which the current product number is recorded is specified, and the account identifier of this deposit account is recorded in the target account information storage unit 43.

  Next, the batch processing system 40 executes transaction data creation processing (step S1-3). Specifically, the control unit 41 of the batch processing system 40 generates transaction data for performing a bookkeeping process of settlement interest. This transaction data includes data relating to the account identifier of the deposit account for the interest settlement process. Then, the control unit 41 supplies the created transaction data to the centralized bookkeeping system 20.

  In this case, the centralized bookkeeping system 20 executes transaction data acquisition processing (step S2-1). Specifically, the account information acquisition unit 21 of the centralized bookkeeping system 20 records the transaction data acquired from the batch processing system 40 in the target account information storage unit 22.

Then, the centralized bookkeeping system 20 sequentially identifies account settlement target accounts recorded in the target account information storage unit 22 as bookkeeping targets, and repeats the following processing.
First, the centralized bookkeeping system 20 executes a bookkeeping bookkeeping request process (step S2-2). Specifically, the bookkeeping execution control unit 23 of the centralized bookkeeping system 20 transmits a processing request message for a bookkeeping request at the time of settlement of the bookkeeping target account to the account system 30.

  In this case, the billing system 30 executes a process for acquiring a bookkeeping request at the time of settlement (step S3-1). Specifically, the account management unit 31 of the account system 30 acquires a processing request message from the centralized bookkeeping system 20.

  Next, the billing system 30 executes an acquisition process for the current product number (step S3-2). Specifically, the account management unit 31 of the account system 30 uses the deposit ledger storage unit 32 to acquire the current product number of the account to be booked.

  Next, the account management unit 31 of the accounting system 30 executes a clear process for the storage area for the current product number (step S3-3). Specifically, the account management unit 31 of the account system 30 initializes the current product number storage area of the account to be booked in the deposit ledger storage unit 32.

  Next, the account management unit 31 of the billing system 30 executes an original addition process (step S3-4). Specifically, the account management unit 31 of the account system 30 calculates the closing interest based on the current product number. Then, the account management unit 31 reserves and records the settlement interest to be added to the account to be booked in the deposit ledger storage unit 32. This settlement interest is credited to the bookkeeping account on the deposit date recorded in the settlement period table.

  Next, the billing system 30 executes a process for generating a storage area for the next product number (step S3-5). Specifically, the account management unit 31 of the account system 30 generates a next product number storage area of the account to be booked in the deposit ledger storage unit 32.

  Next, the billing system 30 executes a processing result notification process (step S3-6). Specifically, the account management unit 31 of the account system 30 returns the processing result for the processing request message to the centralized bookkeeping system 20.

In this case, the centralized bookkeeping system 20 executes processing result acquisition processing (step S2-3). Specifically, the centralized bookkeeping system 20 acquires a processing result from the account system 30 and ends the processing for this bookkeeping target account.
The above processing is repeated until all accounts for settlement are completed.

(Processing when depositing and paying transactions)
Next, processing at the time of transaction of deposit and payment will be described with reference to FIG. This process is executed when a transaction is input at the ATM 11 or the business terminal 12.

  First, the channel system 10 executes a deposit / payment request transmission process (step S4-1). Specifically, the channel system 10 transmits a processing request message related to payment / payment request to the account system 30. This processing request message includes information related to the transaction account, transaction type (payment or payment), transaction amount, and the like.

  In this case, the billing system 30 executes a payment / payment request acquisition process (step S4-2). Specifically, the account management unit 31 of the billing system 30 acquires a processing request message from the channel system 10.

  Next, the billing system 30 executes a determination process as to whether or not a settlement process is in progress (step S4-3). Specifically, the account management unit 31 of the account system 30 specifies the current date and time in the system timer, and checks whether the current date and time is included in the settlement processing period. In the present embodiment, as the settlement processing period, a predetermined time to a “primary date” of a predetermined business day (for example, the previous business day) before “original date” recorded in the closing date table is used. If the current date and time is included in the settlement processing period and there is a storage area for the next product number, it is determined that the settlement processing is in progress.

If it is determined that the current date and time is not included in the settlement process period and the settlement process is not in progress (in the case of “NO” in step S4-3), the billing system 30 executes the deposit / payment process (step S4). -4). Specifically, the account management unit 31 of the account system 30 uses the account balance of the transaction account recorded in the deposit ledger storage unit 32 to make payment and payment.
Then, the billing system 30 executes a processing result notification process described later (step S4-8). Specifically, the account management unit 31 of the billing system 30 transmits the processing result to the channel system 10 that has transmitted the processing request message.

  On the other hand, when the current date and time is included in the settlement process period and it is determined that the settlement process is in progress (in the case of “YES” in step S4-3), the billing system 30 executes the original addition / cancellation process (step S4). -5). Specifically, the account management unit 31 of the account system 30 cancels the settlement interest recorded and reserved for the transaction account by this interest settlement processing.

  Next, the billing system 30 executes deposit / payment processing (step S4-6). Specifically, the account management unit 31 of the account system 30 performs deposit / payment using the account balance of the transaction account recorded in the deposit ledger storage unit 32.

  Next, the billing system 30 executes re-addition processing (step S4-7). Specifically, the account management unit 31 of the account system 30 calculates the interest based on the product number of the accounts where the deposit / payment is performed, and the deposit ledger storage unit 32 calculates the settlement interest to be added to the transaction account. Make a reservation record.

Next, the billing system 30 executes a processing result notification process (step S4-8). Specifically, the account management unit 31 of the billing system 30 notifies the channel system 10 of the processing result.
Then, the channel system 10 executes processing result acquisition processing (step S4-9). Specifically, the channel system 10 acquires a processing result from the billing system 30.

(Process when opening an account)
Next, an account opening process will be described with reference to FIG. This process is executed when a new account is opened using the sales terminal 12.

  First, the channel system 10 executes an account opening request transmission process (step S5-1). Specifically, the channel system 10 transmits an account opening request to the billing system 30.

  In this case, the billing system 30 executes an account opening request acquisition process (step S5-2). Specifically, the account management unit 31 of the account system 30 acquires an account opening request from the channel system 10.

  Next, the billing system 30 executes an account opening process (step S5-3). Specifically, the account management unit 31 of the account system 30 assigns an account identifier and registers a newly opened account in the deposit ledger storage unit 32.

  Next, the billing system 30 executes a generation process for the current product number storage area (step S5-4). Specifically, the account management unit 31 of the account system 30 generates the current product number storage area of the newly opened account in the deposit ledger storage unit 32.

Next, the accounting system 30 executes a determination process as to whether or not the settlement process is being performed (step S5-5), similarly to step S4-3.
If the current date and time is included in the settlement process period and it is determined that the settlement process is in progress (in the case of “YES” in step S5-5), the accounting system 30 regards the newly opened account in the same manner as in step S3-5. Then, a process for generating a storage area for the next product number is executed (step S5-6).

  On the other hand, when it is determined that the current date is not included in the settlement processing period and the settlement processing is not in progress (in the case of “NO” in step S5-5), the accounting system 30 generates a storage area for the next product number The process (step S5-6) is skipped.

Next, the billing system 30 executes a processing result notification process as in step S4-8 (step S5-7).
Next, the channel system 10 executes processing result acquisition processing similarly to step S4-9 (step S5-8).

As described above, according to the present embodiment, the following effects can be obtained.
(1) According to the present embodiment, the batch processing system 40 executes a ledger copy process (step S1-1) and a settlement target account extraction process (step S1-2). Thereby, the account which records interest can be extracted by batch processing.

  (2) According to the present embodiment, the centralized bookkeeping system 20 sequentially identifies the bookkeeping target accounts as processing targets, and executes the bookkeeping request processing at the time of settlement (step S2-2). In this case, the accounting system 30 executes an acquisition process for the accounting book entry request (step S3-1), an acquisition process for the current product number (step S3-2), and an original addition process (step S3-4). Thereby, interest settlement processing can be performed like other online transactions. Further, the account management unit 31 of the accounting system 30 executes a clearing process for the current product number storage area (step S3-3) and a generation process for the next product number storage area (step S3-5). Thereby, the product number of a deposit account can be recorded, utilizing a product number storage area efficiently.

  (3) According to the present embodiment, the billing system 30 executes a determination process as to whether or not a settlement process is being performed (step S4-3). When it is determined that the account settlement process is being performed (in the case of “YES” in step S4-3), the account system 30 performs the original addition / cancellation process (step S4-5), the payment / payment process (step S4-6), Additional processing (step S4-7) is executed. This makes it possible to deposit and pay using the deposit account even during the interest settlement process.

  (4) According to the present embodiment, when an account opening request is acquired, the billing system 30 performs an account opening process (step S5-3) and a storage area generation process (step S5-4) for the current product number. Run. As a result, during the interest settlement process, a transaction can be performed using the newly opened account in the same manner as the existing deposit account.

  Further, the billing system 30 executes a determination process as to whether or not a settlement process is being performed (step S5-5). If it is determined that the settlement process is in progress (in the case of “YES” in step S5-5), the billing system 30 executes the generation process of the storage area for the next product number, similarly to step S3-5 (step S3-5). S5-6). Thereby, after an interest settlement process, it can use for a transaction using a newly opened account similarly to the existing deposit account.

In addition, you may change the said embodiment as follows.
In the above embodiment, the channel system 10 includes the ATM 11, the sales terminal 12, and the like. Elements constituting the channel system 10 are not limited to the ATM 11, the sales terminal 12, and the like. For example, it is possible to include in the channel system 10 an internet transaction server that manages an internet banking service.

  In the above embodiment, the channel system 10 including the centralized bookkeeping system 20, the billing system 30, and the batch processing system 40 are used. The hardware configuration is not limited to this. For example, the batch processing system 40 may be provided in the centralized bookkeeping system 20 of the channel system 10.

  In the above-described embodiment, a case has been described in which a new account is opened and a transaction is performed using the new account even during the period of interest settlement processing in the liquid deposit account. The combination of the original addition / cancellation processing (step S4-5) and the re-addition processing (step S4-7) is not limited to the opening of a new account. For example, the present invention can be applied to a process in which the product number is changed, such as when changing from an interest transaction to an interest-free transaction or when canceling an account.

  DESCRIPTION OF SYMBOLS 10 ... Channel system, 11 ... ATM, 12 ... Sales terminal, 20 ... Centralized accounting system, 21 ... Account information acquisition part, 22 ... Target account information storage part, 23 ... Book execution control part, 30 ... Account system, 31 ... Account management unit 32 ... Deposit ledger storage unit 40 ... Batch processing system 41 ... Control unit 42 ... Deposit ledger storage unit 43 ... Target account information storage unit

Claims (6)

At the start of the closing process, identify the account for closing,
Acquire the product number in the current product number storage area for the account subject to settlement of accounts,
Perform interest calculation based on the product number,
A settlement processing system for performing settlement processing for generating a next-term product storage area of the account subject to settlement,
A settlement processing system characterized by generating a current product storage area and a next product storage area for a new account when a new account opening request is acquired during the settlement process. Consists of an account processing unit, a batch processing unit, and a centralized book processing unit,
The account processing unit includes, for each account, a deposit ledger provided with a current product storage area and a next product storage area,
The batch processing unit identifies an account for settlement using the deposit ledger,
2. The settlement processing system according to claim 1, wherein the centralized bookkeeping processing unit sequentially performs the settlement processing for the settlement target account specified by the batch processing unit.   3. The settlement processing system according to claim 1, wherein, in the settlement processing, the settlement product storage area is cleared for a settlement target account for which a product number has been acquired from the current product storage area.   If a request for payment or payment for the account for settlement of accounts is acquired during the settlement process, the settlement process for the account for settlement of accounts is canceled, and the settlement of accounts using the current number of products based on the payment or payment The settlement processing system according to any one of claims 1 to 3, wherein the processing is re-executed. At the start of the closing process, identify the account for closing,
Acquire the product number in the current product number storage area for the account subject to settlement of accounts,
Perform interest calculation based on the product number,
A method for performing settlement processing using a settlement processing system that performs settlement processing to generate a next-term product storage area of the account subject to settlement,
A settlement processing method characterized in that, when a new account opening request is acquired during the settlement processing, a current product storage area and a next product storage area of a newly opened account are generated. At the start of the closing process, identify the account for closing,
Acquire the product number in the current product number storage area for the account subject to settlement of accounts,
Perform interest calculation based on the product number,
In a settlement processing system including a computer that performs settlement processing for generating a next-term product storage area of the settlement target account, a program for performing settlement processing,
The computer,
When a new account opening request is acquired during the closing process, the closing process program is made to function as a means for generating a current product storage area and a next product storage area of a newly opened account. .