JP4451183B2 - Cash management method and cash management program - Google Patents

Description

  The present invention relates to a cash management method and a cash management program for efficiently depositing cash such as sales into a bank account.

  Today, when making a payment to a business partner, a transfer from a bank account is often used. In this case, the sales cash is deposited into his / her bank account and payment is made using this bank account. However, in order to deposit sales cash into your bank account, the person in charge of the company must bring it to the bank store, or the person in charge of the bank must visit each company to collect cash. Not right. Furthermore, it is necessary to manage cash within the company until it is deposited into the bank account.

Therefore, cash or the like may be stored using a cash management machine installed in the company. For example, a cash management system has been disclosed for handling cash in a store (see, for example, Patent Document 1). In this cash management system, a coin depositing / withdrawing apparatus capable of depositing / withdrawing coins at any time is installed in a store. The coin deposit / withdrawal apparatus is network-connected to an operation management apparatus having a cash management table and an offset management table, and the balance information for each denomination of the coin deposit / withdrawal apparatus is managed by the cash management table. The balance information in the cash management table is compared with a preset amount for each denomination in the offset management table, and the comparison result is provided to a security company that performs cash management. Based on the comparison result, the security company replenishes and collects coins to the coin deposit and withdrawal device. This makes it possible to prepare necessary change coins and the like in the store without going to a financial institution and regardless of the time zone.
Japanese Patent Laying-Open No. 2004-5347 (first page)

  Thus, cash sales can also be managed by using the cash management system described in Patent Document 1. Further, when transporting cash to a bank, it is necessary to consider labor and risk, but in the cash management system, it is possible to use the security transport of a security company. However, even if sales cash is deposited in such a cash management system, it cannot be used for payment to a business partner unless it is quickly deposited in a bank account. Therefore, it is possible to frequently ask the security company to collect cash, but the collection cost increases and is not efficient.

  On the other hand, when making a payment before depositing the sales cash into the bank account, it is also possible to use an overdraft provided by the bank. This overdraft is a lending method in which a bank pays up to a certain amount. In this case, it is necessary to pay interest on the loan amount. This interest is set based on the creditworthiness of the company. For this reason, it becomes a big burden for the company which cannot use even if it has cash.

  The present invention has been made to solve the above-described problems, and provides a cash management method and a cash management program capable of efficiently depositing sales cash into a bank account.

In order to solve the above problems, the invention described in claim 1 is a cash management apparatus installed in a user company, a management computer connectable to a cash collection system for managing cash collection, and an account identifier. , A use company account data storage unit for recording use company account data including data on use company identifier, loan amount, cash input balance and interest, and data on cash management device identifier and use company identifier are recorded. It includes a cash management device data storage unit in which cash management device data is recorded, and data relating to a user company identifier, an available amount, a normal interest rate, and a cash collateral interest rate set lower than the normal interest rate. Method of managing cash using a financial institution system having an overdraft data storage unit in which overdraft data is recorded There, the management computer, the cash-on amount which is credited to the cash management apparatus, acquires data relating to cash management apparatus identifier, a cash management system data identifying the user company identifier, said companies using the cash-on balance A first stage of recording in the account data storage unit; a second stage of calculating an available amount obtained by multiplying the cash input amount by a multiplication and recording the available amount in the overdraft data storage unit; When the available amount is used and a loan amount corresponding to the use amount is recorded in the use company account data storage unit , the cash amount is calculated with respect to the loan amount within the range of the available amount. calculating interest with collateral interest, for excess amounts lending exceeds the amount available to calculate the interest by using the normal rate, in order to charge for the user company, the use A third step of adding to the interest of the business account user company account data recorded in the data storage unit, for recovery in cash recovered from the cash management apparatus, recorded utilized on the user company account data storage unit When the cash input balance included in the company account data is updated, the fourth stage of reducing the loan amount recorded in the user company account data storage unit based on the collected amount is executed. Is the gist.

The invention described in claim 2 is the cash management method according to claim 1, wherein the management computer, comparing the cash-on amount stored in the cash management unit and the reference amount, the cash-on amount is based The gist of the invention is to further include a cash collection stage for giving an instruction to collect the cash stored in the cash management device when the amount exceeds the amount.

The invention described in claim 3 is a cash management device installed in a user company, a management computer that can be connected to a cash recovery system that manages cash recovery via a network, an account identifier, a user company identifier, a loan amount, cash A user company account data storage unit for recording user company account data configured to include data relating to the input balance and interest, and cash management apparatus data in which data relating to the cash management apparatus identifier and the user company identifier are recorded are recorded. The current account overdraft data that includes the cash management device data storage unit and the data relating to the user company identifier, the available amount, the normal interest rate and the cash collateral interest rate set lower than the normal interest rate is recorded A cash management program using a financial institution system comprising an overdraft data storage unit, the management computer The Yuta, cash-on amount which is credited to the cash management apparatus, acquires data relating to cash management apparatus identifier, a cash management system data identifying the user company identifier, the cash-on balance the user company account data storage unit A first means for recording; a second means for calculating an available amount obtained by multiplying the cash input amount by a multiplication; and a second means for recording the available amount in the overdraft data storage unit; and the available amount Is used, and the loan amount corresponding to this use is recorded in the user account data storage unit , the cash collateral interest rate is used for the loan amount within the range of the available amount. In order to calculate interest, and to calculate the interest using the normal interest rate for the excess amount in which the loan amount exceeds the available amount, and to charge the user company , the user company account data storage unit In And third means for adding a record to the user company account data interest, the recovery in cash recovered from the cash management apparatus by transmitting the cash collection instruction to the cash collection system, the user company When the cash input balance included in the use company account data recorded in the account data storage unit is updated, the loan amount recorded in the use company account data storage unit is reduced based on the collected amount. The gist is to function as a fourth means.

According to a fourth aspect of the present invention, in the cash management program according to the third aspect , the management computer compares the cash input amount stored in the cash management apparatus with a reference amount, and the cash input amount is a reference value. When the amount exceeds the amount, the gist is to further function as a cash collection means for giving an instruction to collect the cash stored in the cash management apparatus.

(Function)
According to the first or third aspect of the present invention, the financial institution system includes a cash management apparatus installed in a user company, a management computer connectable via a network, and data relating to an available amount and a loan amount for the user company. And a use company account data storage unit for recording And the management computer acquires the data regarding the amount of cash input deposited to the said cash management apparatus. Next, an available amount obtained by multiplying the cash input amount by a multiplication factor is calculated, and this available amount is recorded in the use company account data storage unit . Next, when the available amount is used, the loan amount corresponding to the use is recorded in the user company account data storage unit , the interest for the loan amount is calculated, and the user company is charged. To do. And when acquiring data relating to the amount of cash collected from the cash management device by transmitting a cash collection instruction to the cash collection system , the use company account data based on the amount collected The loan amount recorded in the storage unit is settled. When paying using a bank account, cash must be deposited into the bank account. In this case, it is necessary to bring the sales cash to a bank store or to request security transportation. Since the available amount is calculated with respect to the amount of cash input deposited in the cash management apparatus, the sales cash and the like can be used in the bank account using the loan provided by the bank. Banks can also provide loans while securing cash in the cash management device. Further, when the available amount is used, the interest for the loan amount is calculated, so that the user company can efficiently manage the funds.

According to the present invention, the financial institution system further includes data relating to a first interest rate for cash deposited in the cash management device and data relating to a second interest rate set based on an attribute of the user company. A means for storing recorded interest rate data is provided. Then, the interest on the loan amount is calculated using the first interest rate. On the other hand, the management computer calculates the interest for the loan amount exceeding the available amount using the second interest rate. For this reason, cash management can be performed using the first interest rate different from the normal overdraft interest rate (second interest rate). The cash stored in the cash management device functions as collateral. Therefore, the bank can reduce the collection risk and make the interest on the loan amount within the available amount lower than the normal interest rate.

According to the invention described in claim 2 or 4, when the management computer compares the cash input amount stored in the cash management device with a reference amount, and the cash input amount exceeds the reference amount, Then, an instruction for collecting the cash stored in the cash management apparatus is issued. For this reason, the cash input balance deposited in the cash management apparatus installed in the user company can be suppressed within a predetermined range.

According to the present invention, the reference amount is calculated based on a cost for collecting the cash. When cash is collected using guard transportation, etc., transportation costs are required. On the other hand, interest must be paid for overdrafts. For this reason, cash management can be performed efficiently in consideration of the balance between the cost for collecting the cash input balance and the interest.

  As described above in detail, according to the present invention, sales cash can be efficiently deposited into a bank account.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. In the present embodiment, a cash management method and a cash management program for realizing a sales cash collection service for collecting sales cash of a company and making it available for account transfer using a bank account held by the company Will be described. Here, the company using the sales cash collection service deposits the sales cash into a cash deposit machine installed in the company. The cash deposited in the cash deposit machine is collected by a security transport company, examined, and transported to a bank. In the present embodiment, as shown in FIG. 1, a cash deposit machine 1 as a cash management apparatus connected to each other by a network N.
0, a bank host system 20 and a cash collection system 40 as a financial institution system are used.

  In this embodiment, the sales cash of each user company is deposited into a cash deposit machine 10 installed in each user company as shown in FIG. The cash depositing machine 10 has a counting means for cash received and a cash storing means (cash storage) as in the case of an automatic teller machine. Further, the cash depositing machine 10 has a function of transmitting money amount data and the like of the deposited cash via the network N.

  The bank host system 20 is managed by a financial institution and is a computer system that performs various management processes related to bank accounts. The bank host system 20 includes a management computer 21. The management computer 21 performs data transmission / reception between the cash deposit machine 10 and the cash collection system 40, data processing for managing various information, and the like. This management computer 21 has a CPU, RAM, ROM, etc., not shown, and will be described later (processing including a first stage, a second stage, a third stage, a fourth stage, a cash collection stage, etc.). To do. By executing the cash management program for that purpose, the management computer 21 functions as a first means, a second means, a third means, a fourth means, a cash collection means, and the like.

  Furthermore, the bank host system 20 includes a user company account data storage unit 22 as an account data storage unit, a cash deposit machine data storage unit 23, and an overdraft data storage unit 24 as an interest rate data storage unit.

  As shown in FIG. 2, the use company account data storage unit 22 stores use company account data 220 relating to a bank account held by a company (use company) that uses the sales cash collection service. The user company account data 220 is set when the user company opens an account for overdraft. The user company account data 220 includes data on an account identifier, a user company identifier, a loan amount, a cash input balance, and interest for each account.

  In the account identifier data area, data relating to an identifier for identifying an account used in the sales cash collection service is recorded. In the present embodiment, the account identifier data includes data related to the bank branch name, deposit type, account number, and the like.

In the user company identifier data area, data relating to an identifier for specifying a user company is recorded.
In the loan amount data area, data relating to the amount of the loan provided to the user company by the bank by overdraft is recorded.

  In the cash input balance data area, data relating to a cash balance such as sales that is input to the cash depositing machine 10 installed in the user company is recorded. This cash input balance is the total amount of cash input, and is used to calculate an available amount as will be described later.

In the interest data area, data relating to the interest on the loan due to overdraft by this user company is recorded.
As shown in FIG. 3, cash deposit machine data 230 relating to the cash deposit machine 10 installed in the user company is recorded in the cash deposit machine data storage unit 23. This cash deposit machine data 230 is registered when the cash deposit machine 10 is installed in a user company. In the cash deposit machine data 230, for each cash deposit machine 10, data related to the cash deposit machine identifier and the user company identifier is recorded.

In the cash deposit machine identifier data area, data relating to an identifier for identifying the cash deposit machine 10 installed in each user company is recorded.
In the user company identifier data area, data relating to an identifier for specifying the user company in which the cash deposit machine 10 is installed is recorded.

  In the overdraft data storage unit 24, as shown in FIG. 4, overdraft data 240 relating to overdrafts available to each user company is recorded. The overdraft data 240 is set when the use registration of the sales cash collection service is performed by a company. The overdraft data 240 includes, for each user company, data relating to a user company identifier, an available amount, a cash collateral interest rate as a first interest rate, and a normal interest rate as a second interest rate.

In the user company identifier data area, data relating to an identifier for specifying a user company of the sales cash collection service is recorded.
In the available amount data area, data relating to the available amount set for the user company is recorded. This available amount is calculated by multiplying the cash input balance inserted in the cash deposit machine 10 installed in this user company by a multiplication factor. Here, the multiplication is an evaluation rate for collateral, and 90% is used in the present embodiment.

  In the cash collateral interest data area, data relating to interest rates applied to overdraft loans up to the available amount is recorded. This cash collateral interest rate is set lower than the normal interest rate.

  In the normal interest rate data area, data relating to the interest rate applied to the overdraft provided to the user company is recorded. In other words, it applies to overdraft loans that are used beyond the available amount. The normal interest rate is set based on the credit rating of the user company.

  Further, the bank host system 20 performs data communication with the cash collection system 40 as shown in FIG. The cash collection system 40 is a computer system managed by a security transport company that collects the cash deposited in the cash deposit machine 10. This cash collection system 40 executes management such as an instruction for transporting cash and a close examination of the collected cash. The cash collection system 40 includes a cash input balance data storage unit and a collected cash amount data storage unit (not shown). In this cash input balance data storage unit, data relating to the total amount of cash deposited and stored (cash input balance) is recorded for each cash deposit machine 10. On the other hand, in the collected cash amount data storage unit, a person in charge of the guard transportation company records data relating to the collected cash amount during guard transportation.

In the system configured as described above, a processing procedure for providing a sales cash collection service will be described. Here, the overdraft process stage and the cash collection process stage will be described in this order.
(Overdraft processing stage)
First, the process of the overdraft process stage will be described with reference to FIG. In this embodiment, the person in charge of the company using the sales cash collection service deposits the sales cash into the cash deposit machine 10. In this case, the cash deposit machine 10 executes a cash acceptance process (step S1-1). Specifically, the cash deposit machine 10 counts the received cash and stores it in the cash storage. Furthermore, the cash depositing machine 10 transmits a deposit notice to the cash collection system 40 via the network N. The payment notification includes data relating to the cash deposit machine identifier of the cash deposit machine 10 and the amount of cash deposited (amount deposited).

The cash collection system 40 that has received the payment notification updates the cash input balance recorded in the cash input balance data storage unit (not shown) with respect to the cash payment machine 10 (step S1-2). Here, the cash collection system 40 specifies the cash input balance related to the cash deposit machine 10, and adds the received deposit amount to update it.

  On the other hand, the management computer 21 of the bank host system 20 periodically requests the cash collection system 40 for data relating to the cash input balance (step S1-3). In the present embodiment, it is assumed that the interest calculation of the overdraft is performed after the end of the day's business. In this case, the management computer 21 requests data relating to the cash input balance before the interest calculation.

  The cash collection system 40 that has received this request transmits the cash input balance data to the bank host system 20 via the network N (step S1-4). In addition to the cash input balance, the cash input balance data includes data related to the cash deposit machine identifier. Thereby, the management computer 21 acquires the data regarding the cash input amount deposited into the cash deposit machine 10. Furthermore, the cash collection system 40 also transmits the cash input balance data to the terminal of the user company (user company terminal) where the cash deposit machine 10 is installed. Thereby, the user company can grasp the sales amount using the received cash input balance data.

  The management computer 21 that has received the cash input balance data records the cash input balance data in the use company account data storage unit 22 (step S1-5). Specifically, the cash deposit machine data 230 recorded in the cash deposit machine data storage unit 23 is specified based on the received cash deposit machine identifier, and the user company identifier is identified by the cash deposit machine data 230. And the management computer 21 specifies the utilization company account data 220 recorded on the utilization company account data storage part 22 using this utilization company identifier, and records a cash input balance.

  Then, the management computer 21 updates the overdraft data (step S1-6). First, the management computer 21 calculates an available amount based on the cash input balance of the user company. In the present embodiment, the available amount is calculated by multiplying the cash input balance by a multiplier (90%). Then, the management computer 21 records the calculated available amount in the overdraft data storage unit 24. This situation will be described with reference to a change graph of the overdraft loan amount shown in FIG. Here, data relating to the cash input balance and the available amount at the time of updating the cash input balance (A) is recorded in the use company account data storage unit 22 respectively.

  Next, it is assumed that the user company uses overdraft and the bank makes a loan at the time of updating the cash input balance (A), for example. The management computer 21 records this loan amount in the use company account data storage unit 22. If the loan amount is within the range of the available amount as in the case of updating the cash input balance (A), the interest is calculated using the cash collateral interest rate. Therefore, the management computer 21 extracts data relating to the cash collateral interest rate applied to the user company from the overdraft data storage unit 24. Then, the management computer 21 calculates interest by applying a cash collateral interest rate to the loan amount, and adds the interest to the interest of the use company account data 220 recorded in the use company account data storage unit 22.

  On the other hand, when the loan amount exceeds the available amount, the interest is calculated using the normal interest rate for the amount exceeding the available amount (excess amount). In this case, the management computer 21 extracts data relating to the normal interest rate applied to the user company from the overdraft data storage unit 24. Then, the management computer 21 calculates the interest by applying the normal interest rate to the excess amount, and adds the interest to the interest of the use company account data 220 recorded in the use company account data storage unit 22. This interest is charged to the user company and collected from the user company.

  Next, the management computer 21 compares the preset reference amount with the cash input balance (step S1-7). Specifically, the management computer 21 extracts data relating to the reference amount from a reference amount data storage unit (not shown) and compares it with the cash input balance recorded in the use company account data storage unit 22.

  When the cash input balance is equal to or less than the reference amount (“NO” in step S1-7), the management computer 21 ends the process. On the other hand, when the cash input balance exceeds the reference amount (“YES” in step S1-7), the management computer 21 transmits a cash collection instruction to the cash collection system 40 (step S1-8). This cash collection instruction includes data for specifying a user company in which the cash depositing machine 10 having a cash input balance exceeding the reference amount is installed.

  The cash collection system 40 that has received the cash collection instruction performs a cash collection process (step S1-9). In this process, as will be described later, a process for collecting cash from the cash deposit machine 10 installed in the instructed user company is performed.

(Cash collection processing stage)
This cash collection process will be described with reference to FIG. First, the cash is taken out from the cash deposit machine 10 (step S2-1). Here, the person in charge of the security transport company visits the user company and takes out cash from the cash deposit machine 10. In this case, the cash deposit machine 10 notifies the cash collection system 40 that the cash has been taken out. The cash collection system 40 that has received this notification records the cash input balance related to the cash deposit machine 10 in the collected cash amount data storage unit.

  Next, the cash collection system 40 performs a scrutinizing process on the collected cash (step S2-2). Specifically, it is confirmed whether the amount recorded in the collected cash amount data storage unit matches the cash amount collected from the cash deposit machine 10. When the collected cash amounts match, the cash collection system 40 records a collected flag for the collected cash in the collected cash amount data storage unit.

  The security transport company then brings the scrutinized cash to the bank. At this time, the cash collection system 40 executes a reset process of the cash input balance (step S2-3). Specifically, the cash collection system 40 subtracts the amount (collected amount) brought into the bank from the cash input balance recorded in the cash input balance data storage unit.

  At the bank, processing is performed for depositing the cash brought into the bank account of the user company. In this case, the management computer 21 performs the settlement process of the loan amount by offsetting the deposited amount and the overdraft loan amount (step S2-4). This situation will be described with reference to a change graph of the overdraft loan amount shown in FIG. In this case, as a result of the clearing process, the cash input balance is reduced by the amount corresponding to the cash collection as shown at the time of cash clearing (B). Therefore, the management computer 21 updates the cash input balance included in the use company account data 220 recorded in the use company account data storage unit 22. Furthermore, the available amount included in the overdraft data 240 recorded in the overdraft data storage unit 24 is updated based on the cash input balance.

  In this case, the overdraft loan amount is also reduced by the amount of cash collected at the time of cash settlement (B). Therefore, the management computer 21 updates the loan amount included in the use company account data 220 recorded in the use company account data storage unit 22. This completes the explanation of the sales cash collection service.

As described above, according to the present embodiment, the following effects can be obtained.
In the above embodiment, the overdraft data 240 relating to the overdraft provided to each user company is recorded in the overdraft data storage unit 24. This overdraft data 240 is configured to include, for each user company, data on a user company identifier, an available amount, a normal interest rate, and a cash collateral interest rate. Then, with respect to the cash input balance of the cash deposit machine 10, interest is calculated by applying a cash collateral interest rate. In addition, interest is calculated using the normal interest rate for the remaining overdraft amounts. Thereby, the cash input balance can be managed in the existing service of overdraft from the bank to the user company.

  In the above embodiment, the company using the sales cash collection service deposits the sales cash into the cash deposit machine 10. Then, the management computer 21 of the bank host system 20 acquires data relating to the cash input balance. The management computer 21 calculates an available amount based on the cash input balance of the user company. And when overdraft is used, when the loan amount is within the range of the available amount, the management computer 21 calculates the interest using the cash collateral interest rate. Since this cash input balance functions as cash collateral, it is possible to set a lower interest rate for the cash input balance than the normal interest rate. That is, the user company can reflect the sales cash in the balance of his / her bank account, and can efficiently transfer money using this account.

  In the above-described embodiment, the cash deposit machine 10 transmits data regarding the amount of cash deposited (amount of deposit) via the network N. Thereby, the management computer 21 of the bank host system 20 acquires the data regarding the cash input balance. When a user company deposits sales cash into a bank account, a person in charge of the user company must visit a bank store, or a person in charge of the security transport company must visit the company for collection. Since the management computer 21 of the bank host system 20 can grasp data relating to the cash input balance, it can be quickly reflected in the balance of the bank account while reducing the burden on the person in charge.

  In the above embodiment, the management computer 21 of the bank host system 20 periodically requests the cash collection system 40 for data related to the cash input balance. In the present embodiment, it is assumed that the interest calculation of the overdraft is performed after the end of the day's business. In this case, the management computer 21 requests data relating to the cash input balance before the interest calculation. For this reason, the fluctuation | variation of the cash stored in the cash deposit machine 10 can be reflected rapidly, reducing communication load.

  In the above embodiment, the management computer 21 compares a preset reference amount with the cash input balance (step S1-7). Specifically, the management computer 21 extracts data relating to the reference amount from a reference amount data storage unit (not shown) and compares it with the cash input balance recorded in the use company account data storage unit 22. When the cash input balance exceeds the reference amount (“YES” in step S1-7), the management computer 21 transmits a cash collection instruction to the cash collection system 40 (step S1-8). For this reason, when cash more than a predetermined amount is stored in the cash deposit machine 10, cash is collected. When the cash stored in the cash deposit machine 10 is collected, a load of security transportation is applied. On the other hand, if cash is stored in the cash depositing machine 10 for a long period of time, an interest rate corresponding to that amount is applied, and a collateral risk is also generated. In the said embodiment, cash collection can be performed at a suitable timing.

In addition, you may change the said embodiment into the following aspects.
In the above embodiment, the management computer 21 of the bank host system 20 periodically requests data on the cash input balance from the cash collection system 40 (step S1-3). The cash collection system 40 that has received this request transmits the cash input balance data to the bank host system 20 via the network N (step S1-4). Instead, the management computer 21 of the bank host system 20 may acquire the cash input balance data directly from the cash deposit machine 10. In this case, the cash deposit machine 10 is provided in the cash input balance data storage unit. Thereby, the management computer 21 of the bank host system 20 can efficiently acquire data relating to the cash input balance.

  In the above embodiment, when the interest calculation of the overdraft is performed after the end of the day's business, the management computer 21 of the bank host system 20 periodically requests data on the cash input balance from the cash collection system 40. The frequency of acquiring data related to the cash input balance is not limited to this. For example, the management computer 21 may acquire data relating to the cash input balance for each cash input. In this case, when cash is inserted into the cash storage of the cash depositing machine 10, the cash depositing machine 10 transmits a deposit notification to the bank host system 20 via the network N. Thereby, the bank can grasp the cash input balance more quickly.

  In the above embodiment, when cash is deposited into the cash deposit machine 10, the cash deposit machine 10 transmits a deposit notification via the network N. Alternatively, a payment notification may be transmitted when the deposit amount exceeds a certain standard. Thereby, it is possible to provide data relating to the deposit amount while reducing the communication load.

  In the above embodiment, the management computer 21 compares the preset reference amount with the cash input amount, and if the cash input balance exceeds the reference amount (“YES” in step S1-7), the bank host The management computer 21 of the system 20 transmits a cash collection instruction to the cash collection system 40 (step S1-8). The timing of cash collection is not limited to this. For example, the management computer 21 may specify an account with an overdraft usage amount and issue a collection instruction. Also, the amount of cash inserted into the cash deposit machine 10 is compared with the amount that can be automatically designed at the time of cash insertion, and in the case of an account that already has an overdraft usage amount, cash collection is prioritized at the request of the customer. It is also possible.

  In the above embodiment, the management computer 21 of the bank host system 20 transmits a cash collection instruction to the cash collection system 40. It replaces with this and you may instruct | indicate cash collection | recovery by comparing the interest in the case of storing the cash in the cash deposit machine 10, and guard transportation expenses. As a result, it is possible to deposit cash sales while considering cost balance while taking into account the balance between the interest burden of overdraft and the security transportation cost burden.

  In the above embodiment, the available amount is calculated based on the cash input balance, and the overdraft is provided based on the available amount. In addition to this, an embodiment will be described in which overdraft is used within a frame set according to the creditworthiness of a company as in normal overdraft. In this case, the management computer 21 updates the overdraft data as follows (step S1-6). First, the management computer 21 calculates a usable amount by multiplying the cash input balance of the user company by a multiplication factor. Next, the management computer 21 extracts, from the overdraft data storage unit 24, data relating to the normal interest rate and the cash collateral interest rate applied to this user company. Then, the interest is calculated by applying the cash collateral interest rate to the available amount calculated based on the cash input balance. In addition, interest is calculated by applying the normal interest rate to the remaining amount after deducting the available amount from the overdraft loan amount. Then, the total amount of both interests is added to the interest of the user company account data 220 recorded in the user company account data storage unit 22.

  Here, it demonstrates using the change graph of the loan amount of the overdraft of FIG. When there is no cash input to the cash deposit machine 10, the normal interest rate is applied to the entire amount of the overdraft loan amount (a). When there is cash input to the cash deposit machine 10, the cash collateral interest rate is applied to the available amount (c) calculated by multiplying the cash input balance (b) by the multiplication factor. This cash input balance (b) is used for the subsequent overdraft liquidation and becomes the loan amount (d). Accordingly, the user company can secure funds at an advantageous interest rate using the cash input balance while using the normal overdraft.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the utilization company account data storage part. Explanatory drawing of the data recorded on the cash deposit machine data storage part. Explanatory drawing of the data recorded on the overdraft data storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the change graph of overdraft loan amount. Explanatory drawing of the change graph of overdraft loan amount.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Cash deposit machine, 20 ... Bank host system as a financial institution system, 21 ... Management computer, 22 ... Company account data storage part as account data storage means, 24 ... Overdraft data storage part as interest data storage means , N ... Network.

Claims (4)

A management computer that can be connected to a cash management device installed in a user company and a cash collection system for managing cash collection via a network;
A user company account data storage unit for recording user company account data including data relating to an account identifier, user company identifier, loan amount, cash input balance, and interest;
A cash management device data storage unit in which cash management device data in which data relating to the cash management device identifier and the user company identifier is recorded;
An overdraft data storage unit in which overdraft data configured to include data on a user company identifier, an available amount, a normal interest rate, and a cash collateral interest rate set lower than the normal interest rate is recorded A method of managing cash using a financial institution system,
The management computer is
The cash input amount received into the cash management device, data relating to the cash management device identifier is acquired, the user company identifier is specified by the cash management device data, and the cash input balance is recorded in the user company account data storage unit . Stage 1 and
A second stage of calculating an available amount obtained by multiplying the cash input amount by a multiplier and recording the available amount in the overdraft data storage unit;
When the available amount is used and a loan amount corresponding to the use amount is recorded in the use company account data storage unit , the cash collateral is provided for the loan amount within the available amount range. To calculate interest using the interest rate, and to calculate the interest using the normal interest rate for the excess amount over which the loan amount exceeds the available amount, and to charge the user company , the user company A third step of adding to the interest of the user company account data recorded in the account data storage unit ;
The cash input balance included in the use company account data recorded in the use company account data storage unit for the amount of cash collected from the cash management device by sending a cash collection instruction to the cash collection system And a fourth step of reducing the loan amount recorded in the user company account data storage unit based on the amount collected, a cash management method comprising: The management computer is
Compare the amount of cash input stored in the cash management device with a reference amount,
The cash according to claim 1, further comprising a cash recovery stage for giving an instruction to recover the cash accumulated in the cash management device when the cash input amount exceeds a reference amount. Management method. A management computer that can be connected to a cash management device installed in a user company and a cash collection system for managing cash collection via a network;
A user company account data storage unit for recording user company account data including data relating to an account identifier, user company identifier, loan amount, cash input balance, and interest;
A cash management device data storage unit in which cash management device data in which data relating to the cash management device identifier and the user company identifier is recorded;
An overdraft data storage unit in which overdraft data configured to include data on a user company identifier, an available amount, a normal interest rate, and a cash collateral interest rate set lower than the normal interest rate is recorded A program for managing cash using a financial institution system,
The management computer,
The cash input amount received into the cash management device, data relating to the cash management device identifier is acquired, the user company identifier is specified by the cash management device data, and the cash input balance is recorded in the user company account data storage unit . One means,
A second means for calculating an available amount obtained by multiplying the cash input amount by a multiplier and recording the available amount in the overdraft data storage unit;
When the available amount is used and a loan amount corresponding to the use amount is recorded in the use company account data storage unit , the cash collateral is provided for the loan amount within the available amount range. To calculate interest using the interest rate, and to calculate the interest using the normal interest rate for the excess amount over which the loan amount exceeds the available amount, and to charge the user company , the user company A third means for adding to the interest of the user company account data recorded in the account data storage unit ;
The cash input balance included in the use company account data recorded in the use company account data storage unit for the amount of cash collected from the cash management device by sending a cash collection instruction to the cash collection system Is updated, the cash management program is made to function as a fourth means for reducing the loan amount recorded in the user account data storage unit based on the collected amount. The management computer,
Compare the amount of cash input stored in the cash management device with a reference amount,
4. The device according to claim 3, wherein when the amount of cash input exceeds a reference amount, the cash management device further functions as a cash collection unit that instructs to collect the cash stored in the cash management apparatus. Cash management program.

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