JP3725886B2 - Cash management system - Google Patents

Description

  The present invention relates to a cache management system, and more particularly to a technique for handling data in different language formats.

  As systems for managing corporate funds, for example, cash management systems such as those described in Patent Document 1 and Patent Document 2 are widely used. Recently, with the globalization of business, cash management systems (hereinafter referred to as CMS) for managing funds not only for domestic funds but also for overseas are provided. This CMS generally obtains data related to funds from an accounting system.

  The following Patent Document 1 and Patent Document 2 disclose a cache management system, but do not disclose a technique for handling data in different language formats.

JP 2002-74231 A

JP 2002-133129 A

  In general, many accounting systems that are widely used support only alphanumeric data. For this reason, even in a CMS that acquires data from such an accounting system and executes processing, the processing is limited to alphanumeric data, and the display of account information and the like is also limited to alphanumeric data. Therefore, it is very difficult to use for users in a country whose native language is not English.

  An object of the present invention is to solve such a problem, and to provide a cash management system that is easy to use for a user in a country whose predetermined language is not a native language.

A cash management system according to the present invention includes a connection system, a billing system that supports the first language format and does not support at least the second language format, and a server connected to a customer terminal. A cash management system, wherein the connection system includes means for inputting deposit / withdrawal information including deposit / withdrawal information, and deposit / withdrawal information according to the first language format among the entered deposit / withdrawal information. And the means for transmitting the deposit / withdrawal information according to the second language format to the server, the billing system receives the deposit / withdrawal information according to the first language format from the connection system. Means for receiving, means for generating account information in accordance with the first language format based on deposit / withdrawal information in accordance with the first language format, and Means for receiving the account information according to the first language format from the accounting system and storing it in the first database; and the second language format from the connection system. A base table that associates the means for receiving and storing the deposit / withdrawal information according to the above, the second database, the user identification information, and the necessity information indicating whether or not to perform the display service in the second language format; Based on the identification information of the logged-in user, the base table is referenced to determine whether or not to perform a display service in the second language format according to the necessity information associated with the identification information of the user. means for, when it is determined to perform the display service by the second language format, and the matching key information included in the account information stored in the first database, the second Means for searching for deposit / withdrawal information corresponding to the account information based on matching key information included in the deposit / withdrawal information stored in the database, and deposit / withdrawal information corresponding to the account information stored in the first database If there were present in the second database, transmitting and synthesizing the account information and the receipt and payment information, means for creating a display data, the display data that is created for the terminal of the customer And means for performing. With such a configuration, account information including deposit / withdrawal information in the second language format can be presented to the customer without changing the accounting system to correspond to the second language format. . Also, with such a configuration, it is possible to automatically realize a display optimal for the user.

A cash management server according to the present invention is a cash management system server connected to a connection system, a billing system that supports the first language format and does not support at least the second language format, and a customer terminal. Means for receiving account information in accordance with a first language form from the account system and storing it in a first database; and receiving / withdrawing information in accordance with a second language form from the connection system; Based on the base table that associates the means for storing in the database, the user identification information, and the necessity information indicating whether to perform the display service in the second language format, and the identification information of the logged-in user, Display in the second language format according to the necessity information associated with the identification information of the user with reference to the base table Means for determining whether or not to perform a service, matching key information included in the account information stored in the first database when it is determined to perform a display service in the second language format, and the second Means for searching for deposit / withdrawal information corresponding to the account information based on matching key information included in the deposit / withdrawal information stored in the database, and deposit / withdrawal corresponding to the account information stored in the first database When the information exists in the second database, the account information and the deposit / withdrawal information are combined, a means for creating display data, and the created display data are transmitted to the customer terminal. Means. With such a configuration, account information including deposit / withdrawal information in the second language format can be presented to the customer without changing the account system to correspond to the second language format. . In addition, with such a configuration, it is possible to automatically realize the optimum display for the user.

  According to the present invention, it is possible to provide a cash management system that is easy to use for a user in a country that does not use a predetermined language as a native language.

  First, the configuration of a cache management system (CMS) according to the present invention will be described with reference to FIG. The CMS is an overseas version farm banking system for companies. In other words, overseas fund management is also realized. The CMS includes a CMS server 100, a Chinese remittance circumscribing system 200, and a billing system 300 as main components. The Chinese remittance external system 200 is connected to an external system 400 via a communication network such as the Internet, and the CMS server 100 is connected to a customer terminal 500 via a communication network such as the Internet.

  First, the external system 400 is a system that is an input source (source) of deposit / withdrawal information including data expressed in a foreign language such as Chinese. For example, a farm banking system of a financial institution such as a Chinese bank, This refers to the CNAPS (China National Advanced Payment System). CNAPS has both a function as a large payment system for RTGS payments (Real Time Gross Settlement) and a function as a small payment system for online payments once a day. This corresponds to the BOJ-NET and Zenginkyo System.

  The Chinese remittance circumscribing system 200 acquires deposit / withdrawal information including data expressed in a foreign language such as Chinese from the external system 400 and outputs the deposit / withdrawal information expressed in alphanumeric data format to the accounting system 300. This is a connection system that outputs deposit / withdrawal information including data expressed in Chinese format to the CMS server 100. In addition to the external system 400, data may be input to the Chinese remittance external system 200 manually or from a storage medium (CD-ROM, flexible disk, etc.) that stores the data taken home at the exchange. . Specifically, the Chinese remittance circumscribing system 200 is configured by a single or a plurality of computers having a communication function.

  The accounting system 300 is a system that inputs deposit / withdrawal information expressed in an alphanumeric data format from the Chinese remittance external system 200 and executes accounting processing. The deposit / withdrawal information includes deposit information and / or withdrawal information. Such account processing includes, for example, balance calculation based on input deposit / withdrawal information, interest rate calculation, fee calculation, loan management, exchange management, and the like. In the present invention, in particular, the billing system 300 supports only a specific language format and does not support other language formats. The accounting system 300 according to this example supports only the alphanumeric data format, and does not support other language formats including the Chinese data format. Therefore, even if the deposit / withdrawal information expressed in the Chinese data format is input to the accounting system 300, the data cannot be accurately grasped and processed. In this example, the system configuration is such that only the deposit / withdrawal information expressed in the alphanumeric data format that can be supported by the accounting system 300 is input from the Chinese remittance external system 200. The billing system 300 is physically configured by a single or a plurality of computers having a communication function.

  The CMS server 100 is composed of a single or a plurality of server computers. The CMS server 100 has a hardware configuration such as a control unit such as a CPU, a storage unit (memory) such as a ROM, a RAM, and a hard disk, and stores an OS (Operation System) program and an application program on the hard disk. . Then, as appropriate, these programs are expanded on the RAM, and a predetermined process is executed by the CPU. The CMS server 100 according to the present invention particularly includes an alphanumeric database (DB) 101 and a Chinese database (DB) 102. Based on the processing program, the control means stores information (data) in these databases 101 and 102, and reads information (data) therefrom.

  The alphanumeric database (DB) 101 includes deposit / withdrawal information and balance information (hereinafter referred to as deposit / withdrawal information and balance information) expressed in an alphanumeric data format input from the Chinese remittance external system 200 via the account system 300. A database for storing at least (account information). An example of the deposit / withdrawal specification data will be described in detail later.

  The Chinese database (DB) 102 is a database that enables at least deposit / withdrawal information including data expressed in a Chinese format input from the Chinese remittance circumstance system 200. An example of the data will be described in detail later.

  In the CMS server 100, the control means executes matching processing of data stored in each of the alphanumeric database 101 and the Chinese database 102, generates account information including Chinese data, and displays data / download data file 103 is transmitted to the customer terminal 500.

  Then, the transition example of the information processed in the said CMS is demonstrated using FIG. On the left side of FIG. 2, deposit / withdrawal information 201 input from the external system 400 to the Chinese remittance circumscribing system 200 is shown. As shown in the figure, account name, account number, transaction date, bank side input date, execution date, withdrawal / receipt classification, transaction type, transaction amount, bank reference (reference) number, customer reference (reference) number, Information on bank reference (reference) information, customer reference (reference) information, remarks, and summary is input. In this example, bank reference (reference) information, customer reference (reference) information, remarks, and information on a summary are information indicated in a Chinese format. These deposit / withdrawal information 201 is processed by the Chinese remittance circumscribing system 200 and stored in the alphanumeric data DB 101 of the CMS server 100 via the accounting system 300. At that time, currency information is added to the deposit / withdrawal information 201 by the Chinese remittance circumscribing system 200 and balance information is added by the accounting system 300. An example of the account information 202 stored in the alphanumeric data DB 101 is shown on the upper right side of FIG. In the account information 202, bank reference (reference) information and customer reference (reference) information in a Chinese notation format are excluded from the input data 201. In the data 201, the data related to the remarks and the summary to which the Chinese information is input also exists in the data 202 as data items, but in the case of Chinese information, the actual data is not stored.

  An example of the deposit / withdrawal information 203 processed by the Chinese remittance circumscribing system 200 and stored in the Chinese data DB 102 of the CMS server 100 is shown in the lower right side of FIG. In the deposit / withdrawal information 203, the account name, bank side input date, execution date, currency, and customer reference number are removed from the entered deposit / withdrawal information 201. The deposit / withdrawal information 203 has, for example, a data file structure in a csv format. In addition to the data portion shown in FIG. 2, this data file has a header portion including a start flag and the number of data records, and a footer portion including an end flag.

  As described above, the control means of the CMS server 100 executes a matching process between the account information 202 stored in the alphanumeric database DB101 and the deposit / withdrawal information 203 stored in the Chinese database DB102. In this matching process, as shown in FIG. 2, the account number, transaction date, withdrawal / deposit category, transaction amount, and bank reference number are used. That is, these data are processed as matching key information. Therefore, the matching key information in the account information 202 and the deposit / withdrawal information 203 has the same format and the same number of digits.

  Here, the processing when there is an inquiry about the account information from the customer will be described with reference to FIG. When there is an inquiry of account information from the customer (S101), the control means of the CMS server 100 is stored in advance based on a base table (not shown) based on identification information such as the user ID of the logged-in customer. Then, the base information of the customer is extracted, and it is determined whether the base determined by the base information is a base to which the Chinese service is applied (S102).

  If the customer base is a base to which the Chinese service is applied, it is determined whether there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101. The word data DB 102 is searched (S103).

  As a result of the search, if it is determined that there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101, the account information 202 read from the alphanumeric data DB 101 is present. Are combined with the deposit / withdrawal information stored in the Chinese data DB 102, more specifically, overwriting, and adding display format information such as display color, font, display location, etc. Display data is generated (S104).

  On the other hand, when the base determined by the user ID is not a base to which the Chinese service is applied (S102), there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101. If it is determined not to be performed (S103), display data such as HTML data or XML data is generated by adding display format information based on the account information 202 stored in the alphanumeric data DB 101 (S105). ).

  The control means of the CMS server 100 transmits the generated display data (S104, S105) to the customer terminal 500. The customer terminal 500 receives the display data and displays it on the screen by a display program such as a browser program.

  Next, processing when a customer requests to download account information will be described with reference to FIG. When there is a request for downloading account information from a customer (S201), the control means of the CMS server 100 first stores the customer stored in advance based on a base table (not shown) based on the user ID of the logged-in customer. The base information is extracted, and it is further determined whether the base determined by the base information is a base to which the Chinese service is applied (S202).

  If the customer base is a base to which the Chinese service is applied, it is determined whether there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101. The word data DB 102 is searched (S203).

  As a result of the search, if it is determined that there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101, the account information 202 read from the alphanumeric data DB 101 is present. On the other hand, the deposit / withdrawal information stored in the Chinese data DB 102 is synthesized, more specifically overwritten, and a download data file is generated (S204).

  On the other hand, when the base determined by the user ID is not a base to which the Chinese service is applied (S202), there is deposit / withdrawal information 203 including matching key information that matches the matching key information included in the account information 202 of the alphanumeric data DB 101. If it is determined not to do so (S203), a download data file is generated based on the account information 202 stored in the alphanumeric data DB 101 (S205).

  The control means of the CMS server 100 transmits the generated download data file (S204, S205) to the customer terminal 500. The customer terminal 500 receives the download data file and stores it in a predetermined storage medium. Based on the downloaded data file, the customer can cancel accounts receivable and accounts payable and manage their own / group company accounts.

  5, 6 and 7 show screen display examples of the account information inquiry screen. FIG. 5 is a list page of the account information inquiry screen. Each figure has a page structure in which items are displayed in Chinese. Such layout data and Chinese item data in each figure are created in advance as display format information and stored on the storage means on the CMS server 100, and data corresponding to the item is extracted more appropriately, Incorporated.

  In FIG. 5, information input fields 701 to 708 for specifying data to be displayed as a list are provided. 709 indicates an account name, 710 indicates an account number, 711 indicates a currency, and 712 indicates a range of transaction dates to be displayed. 713 to 721 are list data, 713 is a transaction date, 714 is a transaction type, 715 is a transaction amount in case of withdrawal, 716 is a transaction amount in case of deposit, 717 is balance information, 718 is a bank reference number, Reference numeral 719 is a customer reference number, and 720 is a remark. Reference numeral 721 denotes a link button for displaying the detailed information shown in FIGS.

  FIG. 6 shows a screen display example of a detailed display page when data in Chinese format is not included in the data stored in the Chinese data DB 102. In the figure, 801 is the transaction date, 802 is the account name, 803 is the account number, 804 is the currency, 805 is the bank entry date, 806 is the execution date, 807 is the type of transaction, 808 is the withdrawal / receipt category, 809 is The transaction amount, 810 is a bank reference number, 811 is a customer reference number, 812 is remarks, and 813 is a summary.

  FIG. 7 shows a screen display example of a detailed display page in the case where Chinese-format data is included in the data stored in the Chinese data DB 102. Display data items 901 to 913 are the same as those in FIG. In this example, bank reference number 910, customer reference number 911, remarks 912, and summary 913 are information written in Chinese.

  Then, the specific structural example of the CMS server 100 concerning this invention is demonstrated using FIG. As shown in FIG. 8, the CMS server 100 includes a gateway server 10, a database (DB) server 20, an application (AP) server 30, and a web (WEB) server 40.

  The gateway server 10 has processing functions for executing the MT940 / MT942 processing process group 12, the foreign language deposit / withdrawal information processing process 14, the unmatch information processing process 16, and the unnecessary file deletion process 17. Here, MT940 / MT942 is one of data formats negotiated in SWIFT (the Society for Worldwide Interbank Financial Telecommunications). The MT940 / MT942 processing process group 12 inputs the MT940 / MT942 file 11 including the account information, checks the data format, the existence of the corresponding account, and stores the data in the account information table 23 in the DB server 20. Execute the process. The foreign language deposit / withdrawal information processing process 14 inputs the foreign language deposit / withdrawal information file 13, checks the data format, the existence of the corresponding account, etc., and stores the data in the foreign language deposit / withdrawal information table 24 in the DB server 20. Execute processing such as

  The unmatch information processing process 16 detects an inconsistency (unmatch) of information every predetermined time and notifies the base. For example, detection processing is executed every hour, information that exists in the foreign language deposit / withdrawal information file 13 but does not exist in the MT940 / MT942 file 11, and exists in the MT940 / MT942 file 11 but foreign language deposit / withdrawal information file. 13 detects information that does not exist, information that does not have a corresponding account, and information that is incomplete.

  The unnecessary file deletion process 17 is a process for deleting a data file stored for a predetermined period or longer, for example, a process for deleting a data file stored for two months or more, and is executed once a month. The

  The database server 20 includes a base table 21, an inquiry master 22 such as a currency master, an account information table 23 (account balance table and deposit / withdrawal details table), a foreign language deposit / withdrawal information table 24, and an unnecessary record deletion process 25. . Here, the base table 21 stores information such as user ID, base information, necessity of foreign language service, etc. in association with each other. The inquiry master 22 includes a currency master, for example. The account information table 23 (account balance table and deposit / withdrawal details table) is an information table corresponding to the alphanumeric data DB 101 described above. The foreign language deposit / withdrawal information table 24 is an information table corresponding to the Chinese data DB 102. The unnecessary record deletion process 25 executes the same processing as the unnecessary file deletion process 17.

  The application server 30 includes a site attribute inquiry / change function 31, an account information inquiry / download function (without foreign language information) 32, and an account information inquiry / download function (with foreign language information) 33. The base attribute inquiry / change function 31 performs a base attribute inquiry and a base attribute change from the bank management computer 600. The account information inquiry / download functions 32 and 33 generate display data and download data files including account information when there is a request for inquiry or download of account information from the customer terminals 501 and 502, and the customer terminal 501. , 502.

  A processing example of the CMS server 100 illustrated in FIG. 8 will be described. The remittance circumstance system 200 receives the deposit / withdrawal data from an external system (not shown), and outputs the deposit / withdrawal information expressed only in the alphanumeric data format to the accounting system 300. From the billing system 300 to the gateway server 10, the deposit / withdrawal information expressed only in the alphanumeric data format is transferred by MT940 / MT942 by FTP (File Transfer Protocol).

  The gateway server 10 processes the MT 940 / MT 942 file 11 output from the billing system 300 by the MT 940 / MT 942 process group 12. The MT940 / MT942 process group 12 performs a format check of the MT940 / 942 file 11 and outputs it to the DB server 20. The DB server 20 stores the data in the account information table 23. The data stored in the account information table 23 is read by the account information inquiry / download function (without foreign language information) 32 and is sent to the customer terminal 501 that makes an account inquiry of a base that does not transfer foreign language deposit / withdrawal information. Presented or downloaded. That is, information including only alphanumeric data as shown in the screen display example of FIG. 6 is displayed on the terminal 501 of the customer. In executing the balance information inquiry and download function, the base table 21 and the inquiry master 22 such as a currency master are referred to as appropriate.

  On the other hand, the Chinese remittance circumscribing system 200 acquires deposit / withdrawal data from an external system (not shown) and transmits the deposit / withdrawal data including the foreign language data format to the gateway server 10. The deposit / withdrawal data is transferred to the gateway server 10 from the Chinese remittance external system 200 by FTP. The foreign language deposit / withdrawal information file 13 received by the gateway server 10 is processed by the foreign language deposit / withdrawal data processing process 14. The foreign language deposit / withdrawal data processing process 14 checks the format of the foreign language deposit / withdrawal information file 13 and outputs it to the DB server 20. The DB server 20 stores the data in the foreign language deposit / withdrawal information table 24.

  The account information inquiry / download function (with foreign language information) 33 is used when the account information is inquired from the terminal 502 of the customer who performs the account inquiry of the base to which the foreign language deposit / withdrawal data is transferred. Based on the foreign language deposit / withdrawal information table 24, the base table 21 and the reference master 22 such as a currency master are referred to, and the deposit / withdrawal data stored in the account information table 23 and the foreign language deposit / withdrawal information table 24 are stored. The received / withdrawn data is synthesized, an account information display page is created, and the balance information is transmitted to the customer terminal 502. When there is a request for downloading account information from the customer terminal 502, the account information inquiry / download function (with foreign language information) 33 transmits the balance information synthesized in the same manner to the customer terminal 502. To do.

  The base attribute inquiry / change function 31 of the application server 31 executes the reference and change processing of the base table 21 of the DB server 20 based on the bank supervising terminal 600.

  As described above, in the CMS according to the present invention, even when the account information is presented to the customer's terminal via the accounting system that supports only a specific language format, the input / output information entered Among them, information in a language format that is not supported by the accounting system is transmitted without passing through the accounting system, and is combined with the account information output from the accounting system. Account information including information in language format can be presented to the customer's terminal. For this reason, since the account system does not need to correspond to other language formats, it is possible to reduce the cost associated with the system change.

  The main object of the CMS according to the present invention is a corporate group in which the head office and its group companies are located in China. The head office can collectively manage the finance function in the group by managing the company's general account and the group company account by using the CMS by means of a detailed balance inquiry or a remittance request.

  In addition, in the CMS according to the present invention, since the data of the remittance requester can be presented to the head office and the group company in not only alphanumeric characters but also in Chinese, the settlement transaction of the customer (mainly accounts receivable, accounts payable) Can be made easier.

  In the above example, Chinese is used as a language that is not supported in the accounting system. However, the language is not limited to this, and other languages may be used.

1 is a system configuration diagram of a CMS according to the present invention. It is a figure shown about the transition of the data in CMS concerning this invention. It is a flowchart which shows the matching process in CMS concerning this invention. It is a flowchart which shows the matching process in CMS concerning this invention. It is an example of a screen display displayed on a customer's terminal in CMS concerning the present invention. It is an example of a screen display displayed on a customer's terminal in CMS concerning the present invention. It is an example of a screen display displayed on a customer's terminal in CMS concerning the present invention. It is a figure which shows the detailed system configuration example of CMS concerning this invention.

Explanation of symbols

100 CMS server 101 Alphanumeric data DB
102 Chinese data DB
103 Display data / data file 200 Chinese circumscribing system 300 Accounting system 400 External system 500 Customer terminal

Claims (2)

A cash management system comprising: a connection system; a billing system that supports the first language format and does not support at least the second language format; and a server connected to the customer terminal,
  The connection system includes:
  Means for inputting deposit information and / or withdrawal information including withdrawal information;
  Means for transmitting deposit / withdrawal information according to a first language format to the accounting system among input / withdrawal information, and transmitting deposit / withdrawal information according to a second language format to the server;
  The accounting system is
  Means for receiving deposit / withdrawal information according to a first language form from the connection system;
  Means for generating account information according to the first language format based on the deposit / withdrawal information according to the first language format;
  Means for transmitting the account information to the server,
  The server
  Means for receiving account information according to a first language form from the billing system and storing it in a first database;
  Means for receiving deposit / withdrawal information in accordance with a second language form from the connection system and storing it in a second database;
  A base table in which user identification information is associated with necessity information indicating whether or not to perform a display service in the second language format;
  Based on the identification information of the logged-in user, the base table is referenced to determine whether to perform a display service in the second language format according to the necessity information associated with the identification information of the user. Means to
  When it is determined that the display service in the second language format is to be performed, the matching key information included in the account information stored in the first database and the deposit / withdrawal information stored in the second database are included. Means for searching for deposit / withdrawal information corresponding to the account information based on the matching key information;
  Means for creating display data by combining the account information and the deposit / withdrawal information when the deposit / withdrawal information corresponding to the account information stored in the first database exists in the second database; ,
  A cache management system including means for transmitting the created display data to the terminal of the customer. A cash management system server connected to a connection system, a billing system corresponding to the first language format and not corresponding to at least the second language format, and a customer terminal;
  Means for receiving account information according to a first language form from the billing system and storing it in a first database;
  Means for receiving deposit / withdrawal information in accordance with a second language form from the connection system and storing it in a second database;
  A base table in which user identification information is associated with necessity information indicating whether or not to perform a display service in the second language format;
  Based on the identification information of the logged-in user, the base table is referenced to determine whether to perform a display service in the second language format according to the necessity information associated with the identification information of the user. Means to
  When it is determined that the display service in the second language format is to be performed, the matching key information included in the account information stored in the first database and the deposit / withdrawal information stored in the second database are included. Means for searching for deposit / withdrawal information corresponding to the account information based on the matching key information;
  Means for creating display data by combining the account information and the deposit / withdrawal information when the deposit / withdrawal information corresponding to the account information stored in the first database exists in the second database; ,
  A cache management system server comprising means for transmitting the created display data to the customer terminal.

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