JP2500777B2 - Scrutiny update device - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a close inspection update device, and more particularly, to a close inspection update device used for storing the amount of money received on the day and the amount of money received in a counter service such as a bank.

[0002]

2. Description of the Related Art A scrutinizing / updating device is used as part of a banking system used by a financial institution such as a bank, and deposits and withdraws the amount of money deposited and the amount of money dispensed by the window business on the day. A separate record is made, and after the transaction on that day is completed, a process of checking and confirming the entire deposit amount and the entire withdrawal amount is performed.

[0003] Some transactions performed through a bank window include those in which the processing of depositing or withdrawing is completed on the day of the transaction when the transaction is carried out, and those which are not completed.

[0006] As the processing that does not end on that day, there are processing of deposits and withdrawals related to transactions whose processing ends on or after the day after the transaction, for example, checking accounts and bills.

[0005] Financial institutions such as banks carry out various transactions through a teller using a banking system using a computer or the like. Called scrutiny information)
For each of the processing for and the processing that is completed on the day of the transaction described above, the deposit amount and the withdrawal amount that have been processed on the day described above are stored,
A scrutiny renewal device is used as part of the banking system described above to find out the respective sum of these deposits and withdrawals based on these memories as needed.

FIG. 4 is a block diagram showing an example of a conventional close inspection updating device of this type. The scrutiny update device shown in FIG. 4 outputs and updates scrutiny information based on the information output from the transaction processing unit 2 described later, and also separately outputs information related to deposits and withdrawals other than the scrutiny information. Update unit 31 and inspection information unit 9 that stores updated inspection information
And the management table 4 in which the files connected to the close inspection update unit 31 and stored in the close inspection information unit 9 are associated with the scheduled settlement dates of the files, and the close inspection update unit 31 outputs. Information other than scrutiny information, that is,
A transaction record file 51 for storing information regarding transactions that are not related to scrutiny information regarding deposits and withdrawals, which transactions end on the day when there is a transaction.

The above-described close-up update device is a part of a banking system, and FIG. 4 also shows a portion of such a banking system related to the close-up update device.

That is, as a part of the banking system shown in connection with the scrutiny update device, it is installed at a counter of a financial institution such as a bank and operated by a staff of the financial institution.
One or more terminals 1 for inputting information about transaction information including detailed examination information and displaying related information, and connected to these terminals 1, perform predetermined processing according to the contents of the transaction information and perform detailed examination The account ledger file 10 to be described later, which outputs information and transaction information relating to deposits and withdrawals to the scrutiny update section 31 and stores the contents of past transactions for each account.
The transaction processing unit 2 for updating the contents of the transaction ledger, the transaction processing unit 2 and the host computer 11 which will be described later, and the account ledger file 10 for storing the contents of the account ledger, the transaction storage file 51, the account ledger file 10 and the inspection. Host computer 1 for reading the contents of the information section 9 and performing a predetermined process
1 and 1 are shown in FIG.

[0009] From any of a plurality of terminals 1 for explaining the operation of the scrutiny update device shown in FIG. 4 below, information regarding a transaction, that is, an account item (transaction type), an account number, a transaction date, a deposit, If the information such as the withdrawal classification, amount, and detailed examination information is input to the transaction processing unit 2, the transaction processing unit 2 refers to the contents of the account ledger file 10 according to the input information. Then, the contents of the relevant part are updated, and if the input information is information on deposit and withdrawal including the inspection information, the input information is output to the inspection updating unit 31.

Of the input information, the scrutiny update section 31 extracts and manages scrutiny information, that is, information relating to deposit or withdrawal with a designated settlement date different from the current day. Refer to the contents of Table 4.

The inspection information section 9 stores files having a plurality of file names. Each of these files stores the scrutinization update information for each successive day for a predetermined period for each scheduled payment date.

The management table 4 is a table in which the file name of each file stored in the close inspection information section 9 is associated with the scheduled settlement date of the file with that file name, and is periodically (for example, Immediately after the date is changed), the content is updated to the current day's portion and the scheduled settlement date for the specified number of days after the next day.

As described above, the close inspection update unit 31 knows from the contents of the management table 4 whether the file corresponding to the scheduled settlement date of the input close inspection update information exists in the close inspection information unit 9, and if If it exists, the contents of the file with the corresponding file name in the close inspection information section 9 are referred to, and the corresponding portion is updated (for example, if the close inspection information is the information to be settled on the day, the corresponding account items are accumulated. If the number of transactions, the amount of deposit or withdrawal, and the balance, etc. are updated, and the inspection information is the deposit or withdrawal information with the scheduled settlement date after the next day, the relevant scheduled settlement date is set. Update to write new information in the file with the file name that has). At that time, necessary information other than the information input from the terminal, such as the debit amount for a current account,
The account ledger file 10 is referred to for information such as the credit amount and the cumulative number of these items, and the read information is used as part of the update information.

If there is no file having the file name storing the corresponding scheduled settlement date in the close inspection information section 9 with reference to the management table 4, the close inspection updating section 31 invalidates the corresponding input information. The transaction processing unit 2 returns the information to the transaction processing unit 2, and the transaction processing unit 2 invalidates the returned information and outputs it to the terminal 1 that has input the information, and displays that the input information is invalid, for example.

If the input information is information other than the detailed examination information, that is, the information that the deposit or withdrawal is performed on the day of the transaction, the detailed examination updating section 31 causes the transaction record file 5
The storage content of 1 additionally stores information such as the type of transaction, whether the transaction is deposit or withdrawal, and the transaction amount for this transaction.

The transaction processing unit 2 refers to the account ledger file 10 and updates the contents of the corresponding account with the input information even when the information regarding the transaction input from the terminal 1 is the above-mentioned scrutiny information. Perform processing to

When a predetermined command is added from an external device (not shown) when the business related to the transaction on the day is completed, the host computer 11 displays the amount of deposit and the amount of withdrawal on the day other than the inspection information. The deposit amount settled on the day based on the contents of the file having the detailed examination information to be settled on the day among the files in the detailed examination information section 9 which are read from the transaction record file 51 and output to a display unit or a printer not shown. And the amount of money to be dispensed are read out for each deposit and withdrawal, and are output to the aforementioned display unit (not shown) or printer.

From the contents of the transaction record file 51 and the detailed examination information section 9 as described above, it is possible to check the total amount of money deposited and the amount of money dispensed on the day.

After the deposit and withdrawal are output on the day, the contents of the transaction record file 51 and
The contents of the file having the scheduled settlement date on the day of the detailed examination information section 9 are cleared by an instruction from the host computer 11, for example.

Further, the management table 4 has contents of the table so that the scheduled settlement date having the scheduled settlement date after the current day and the file name of the file having the scheduled settlement date as the examination information correspond to each other. , Updated by the host computer 11.

That is, the close inspection information section 9 is made up of files having a certain limited number of file names, and the close inspection update device has a scheduled settlement date from the current day to the future date by the number of files. It is possible to update only the scrutiny update information.

[0022]

In the above-described conventional close inspection updating device, since there are about 800 kinds of account items to be stored, the storage capacity of the files of the respective file names forming the close inspection information section 9 is extremely large. Because it needs to be great
Normally, the number of files cannot be made too large. Therefore, it is possible to process only the scrutiny information having a scheduled settlement date up to a future date that is one less than the number of file names held by the scrutiny information section 9. It has a drawback in that it is impossible to input transaction information having a future scheduled settlement date, that is, scrutiny information having a long period from the transaction date to the scheduled settlement date.

An object of the present invention is to provide a scrutiny update device capable of inputting scrutiny information having a long period from the transaction date to the scheduled settlement date without invalidating it.

[0024]

As a part of a banking system, a scrutinizing and updating apparatus of the present invention includes a deposit or withdrawal on the day when a transaction output from a transaction processing unit among transactions input from a terminal is performed. The transaction information file to be confirmed is stored in a transaction record file, and the transaction date output from the transaction processing unit and the transaction date are different transaction information. In the detailed examination update device that can be stored for each scheduled settlement date and read out the deposit amount and the withdrawal amount on the day as needed, the file name and the file name of the scheduled settlement date held by the detailed examination information unit Regarding the management table that stores a table in which expected settlement dates are associated with each other, and the information that the transaction ends on the day when the information output from the transaction processing unit is received, When the information stored in the recording file and received is the detailed examination information, the management table is referred to, and regarding the detailed examination information having the corresponding planned settlement date, the information in the corresponding file of the detailed examination information section is input. When the scheduled settlement date of the received detailed examination information does not exist in the file held by the detailed examination information, which is updated based on the information read out from the account ledger file included in the banking system, the received detailed examination information is recorded in the transaction record. A scrutiny update unit to be stored in a file, and the scrutinization information stored in a predetermined cycle is extracted from the contents of the transaction record file, and information related to the extracted scrutiny information is read from the account ledger file and the extracted scrutiny is A record extraction unit that outputs together with information, and a scrutinization accumulation file that stores the output of the record extraction unit. The operation starts at a predetermined time after the end of inputting the transaction information of the day, and only the unsettled information of the information scheduled to be settled on the day in the content of the detailed examination information section is settled to the next settlement. Included in the scheduled date Clear the remaining information of the settlement schedule on the same day, update to the detailed examination information from the next day until the scheduled settlement date from the predetermined period, and from the accumulated detailed examination file, the settlement schedule held by the detailed examination information section The information reference updating unit is configured to store the detailed examination information having the date also in the detailed examination information unit and update the corresponding contents of the management table.

[0025]

Embodiments of the present invention will now be described with reference to the drawings.

FIG. 1 is a block diagram showing a part of a banking system including an embodiment of the scrutiny updating device of the present invention.

As shown in FIG. 1, the close inspection update device 30 of the present embodiment is a transaction processing unit 2 which constitutes a banking system.
The scrutiny update unit 3 that inputs transaction information related to deposits and withdrawals including the scrutiny information output from the scrutiny update unit 3 and a file name of the scrutiny information unit 9 to be described later and its file name. A management table 4 that stores a table that associates the scheduled settlement date that the file handles, a transaction record file 5 that stores information about the transaction that is completed on that day within the transaction on the day, and some information within the scrutiny information. A record extraction unit 6 that extracts and outputs the detailed examination information from the stored contents of the transaction record file 5, a detailed examination accumulation file 7 that stores the output of the record extraction unit 6, and a filename for the detailed examination information according to the scheduled settlement date. Information for updating the contents of the close inspection information unit 9 and the contents of the management table 4 by referring to the close inspection information unit 9 that stores the close inspection information for each file name and the contents of the close inspection accumulated file 7. It is composed of a irradiation update unit 8.

Note that the plurality of terminals 1 shown in FIG.
The transaction processing unit 2, the account ledger file 10 and the host computer 11 are the same as those already described in FIG.

FIG. 2 is an explanatory view of the contents of an example of the table stored in the management table 4, and FIG. 3 shows a file whose file name is file 1 among the files in the inspection information section 9. It is explanatory drawing which shows an example of memory content.

The scrutinizing information section 9 has files having respective file names from file 1 to file N, and each file having each file name has a scrutinizing date having consecutive scheduled settlement days up to N days. Information is stored in each file according to the scheduled settlement date.

Information relating to a transaction from one of the plurality of terminals 1, that is, if the account item, the account number, the name of the transaction partner, and the type of transaction are deposit or withdrawal, classification of deposit or withdrawal. , Information such as the amount of money, the date of the transaction, the planned settlement date if the information is scrutinized information is input to the transaction processing unit 2,
Based on the input transaction information, the transaction processing unit 2 updates the information in the corresponding account number of the relevant transaction type in the account ledger file 10 and, among the input information, the scrutiny information and other than the scrutiny information. Information relating to deposit or withdrawal is output to the scrutiny update section 3.

The scrutinizing / updating section 3 includes
For transaction information whose processing ends on the day of the transaction,
The account items (type of transaction, for example, ordinary deposit, fixed deposit, etc.), categories of deposit and withdrawal, and their amounts are stored in the transaction storage file 5 in the order of input.

FIG. 3 shows the contents of a file whose file name is file 1 stored in the scrutiny information section 9, and this file contains the scheduled settlement date (19
(15 July 1993) stores the same various kinds of detailed examination information.

That is, items such as an account item, an account number, a cumulative debit number, a debit amount, a cumulative credit number, a credit amount, a planned deposit or withdrawal category, a deposit amount and a withdrawal amount are account number units. The file name is stored in the file of file 1.

The cumulative number of debits is the cumulative number of processings performed as a debit so far, and the cumulative number of credits is the cumulative number of processings performed as a credit so far.

In the scrutinization information section 9, the file whose file name is file 1 is the information that is scheduled to be settled on the same day, and in the file whose file name is file 2, the next day is the scheduled settlement date. Similarly, certain inspection information stores N files each having inspection information whose scheduled settlement dates differ from each other by one day.

Therefore, the detailed examination information having the scheduled settlement date up to N days ahead including the current day is stored in the detailed examination information section 9.

Further, the close inspection update unit 3 detects the transaction information having the scheduled settlement date by the account item and the account number, and the file corresponding to the input scheduled settlement date exists in the close examination information unit 9. Whether or not to do so is checked by referring to the management table 4, and if it exists, the file name of the file in the close inspection information section 9 is obtained from the contents of the management table 4.

For example, when the account item of the close inspection information is a current account and the account number is 45190 (corresponding to the current account shown in FIG. 3), the transaction information input to the close inspection update unit 3 is In the case of deposit, the credit amount is added to the credit amount up to that point (60,000 yen in the case of FIG. 3), and the accumulated credit count up to that point (3 in the example of FIG. 3).
0) is added to 1 and the classification of deposit / withdrawal is deposit, and if the deposit amount is 10,000 yen, the amount is stored and the date is 1993.
If it is July 15, the date is stored as the settlement date.

If the input transaction information is the checking account shown in FIG. 3, the account number is 45190, and the withdrawal is a withdrawal, the close inspection update unit 3 stores the stored contents of the close inspection information unit 9. , The debit amount shown in FIG.
Update the value of the withdrawal amount this time to 0 yen, update the value of the accumulated debit count to the value of 50 up to that point, and add 1 to the value of the deposit / withdrawal category. The amount of withdrawal input this time is stored in the item of withdrawal amount.

Further, the close inspection update unit 3 is transaction information in which the planned settlement date is after the current day in the detailed examination information input as described above, and the scheduled settlement date exists in the table of the management table 4 and payment or payment is made. When the withdrawal information is other than the current day, the account ledger file 10 is referred to, and, for example, from the information of the account number that matches the input information of the account item and the account number, for example, the debit amount described above. The accumulated debit count, the credit amount, and the accumulated credit count are read, and the information is stored and updated in the relevant location of the relevant file in the detailed examination information unit 9 together with the expected settlement date which is the input information.

Further, the transaction information input from the transaction processing section 2 is related to the detailed examination information, and when the management table 4 is referred to, the file storing the scheduled settlement date relating to the detailed examination information is the detailed examination information section. 9 does not exist (that is, if it is the scrutinization information about the scheduled settlement date in the future than the scheduled settlement date handled in the file of the scrutiny information section 9, the scrutiny update section 3 inputs the input content and the scrutiny update category. Is added to the transaction record file 5 and the inspection update classification is not updated, and the transaction record file 5 is stored.

The record extracting unit 6 monitors the contents of the transaction record file 5 periodically (for example, every 5 minutes). When the above-mentioned detailed examination information exists, the detailed examination information is extracted and included in the detailed examination information. The necessary information about the included account items and account numbers (for example, if the account items are current accounts, the debit amount, accumulated debit amount, credit amount, accumulated credit amount, etc.) is stored in the account ledger file 10. Added to the detailed examination information that was read out and extracted, and accumulated the detailed examination file 7
Output to.

The record extracting unit 6 deletes the contents of the inspection information extracted from the transaction record file 5 from the transaction record file 5.

The detailed examination accumulation file 7 stores the output of the record extraction unit 6.

The information reference updating unit 8 updates the contents of the file scheduled to be settled on the day of the detailed examination information unit 9 at an appropriate time (for example, the time immediately after the work of the day ends and the date of the next business day). Check the data and delete the contents of the data that have been settled, and check the file 2 for unsettled data.
After writing the content in (a file that stores information about the payment schedule for the next day), move the content to the file with file name 1. Similarly, the contents of the file with the file name N are transferred to the contents of the file with the file name N-1. At this time, the detailed examination information having the corresponding scheduled settlement date is extracted from the detailed examination accumulation file 7 and stored in the file with the file name N.

Further, the information reference updating unit 8 updates the contents of the management table 4 and posts the examination information having the next business day as the scheduled settlement date in the file whose file name is File 1 the next day. The scrutinizing information held on the scheduled date is updated to the corresponding table such as saying that the file whose file name is file 2 is called.

As is clear from the above description, the detailed examination information whose scheduled settlement date is after the detailed examination information stored in the detailed examination information section 9 is not invalidated as in the conventional case. , Stored in the detailed inspection cumulative file 7,
When the date advances and the settlement date corresponding to the file having the file name stored in the detailed examination information unit 9 comes to correspond, the detailed examination information is updated from the detailed examination cumulative file 7 to the information reference update unit 8
Read by.

Further, before the time when the above-mentioned information reference updating unit 8 is activated, the amount of deposit and withdrawal on that day can be known by reading the contents of the transaction record file 5 and the inspection information unit 9.

[0050]

As described above, in the close inspection update device of the present invention, in the transaction information output from the transaction processing unit 2 to the close inspection update unit 3, the close inspection update unit 3 is the main information in the conventional main device. The inspection information, which cannot be accepted and has a future settlement date farther than the current date, is temporarily stored in the transaction record file 5, and the record extraction unit 6 extracts such information. When the contents of the close inspection information unit 9 are updated by the information reference update unit 8 and stored in the close inspection cumulative file 7, the close inspection information unit 9 is made to judge whether or not it has become possible to store. In this case, the detailed examination information section 9 stores the information so that it can be input.

Since a plurality of detailed examination information having different scheduled settlement dates can be simultaneously stored in the detailed examination accumulation file 7, more detailed examination information than that stored in the detailed examination information section 9 having the same storage capacity can be stored. Can be memorized.

[Brief description of drawings]

FIG. 1 is a block diagram showing an embodiment of a close inspection update device of the present invention together with a part of a banking system including the close inspection update device.

FIG. 2 is an explanatory diagram showing an example of contents of a management table of a management table 4 shown in FIG.

FIG. 3 is an explanatory diagram showing an example of stored contents of a close inspection information unit 9.

FIG. 4 is a block diagram showing an example of a conventional device of this type.

[Explanation of Codes] 1 Terminal 2 Transaction Processing Section 3 Scrutinizing Update Section 4 Management Table 5 Transaction Record File 6 Record Extracting Section 7 Scrutinizing Cumulative File 8 Information Reference Updating Section 9 Scrutinizing Information Section 11 Host Computer

Claims (1)

(57) [Claims] 1. As a part of a banking system, transaction information output from the transaction processing unit out of transactions input from a terminal, the transaction information of which the deposit or withdrawal is confirmed on the day of the transaction is stored in a transaction record file. The detailed examination information, which is the transaction information output from the transaction processing section and the transaction date and the settlement date are different from each other, is stored in the detailed examination information section for each scheduled settlement date over a predetermined period of time, which is necessary. In the detailed examination update device capable of reading the deposit amount and the withdrawal amount on the day according to the above, a table in which the file name of each scheduled settlement date and the scheduled settlement date stored in the detailed examination information section are stored. Regarding the management table and the information that the transaction ends on the same day when the information output from the transaction processing unit is received, the received information is stored in the transaction record file. When it is the detailed examination information, the management table is referred to, and for the detailed examination information having the corresponding scheduled settlement date, the information entered in the corresponding file of the detailed examination information section and the account ledger file provided in the banking system are used. When the scheduled settlement date of the received detailed examination information updated based on the read information does not exist in the file of the detailed examination information section, the detailed examination update section for storing the received detailed examination information in the transaction record file, A record extraction unit that extracts the detailed examination information stored in a predetermined cycle from the contents of the transaction record file, reads out information related to the extracted detailed examination information from the account ledger file, and outputs the information together with the extracted detailed examination information. A scrutinization cumulative file that stores the output of the record extraction unit, and after the transaction information of the day is input Start the operation at the specified time, and in the contents of the detailed examination information section, only the unsettled information of the information scheduled to be settled on the day is incorporated into the next scheduled settlement date, and the remaining information scheduled to be settled on the day is cleared. Then, the detailed examination information from the next day to the scheduled settlement date up to the predetermined period is updated and the detailed examination information having the scheduled settlement date of the detailed examination information section is also stored in the detailed examination information section from the cumulative detailed examination information file. And an information reference updating unit that performs a process of updating the contents of the corresponding management table as well.