JP5374112B2 - Deposit device, management device, cash management system, and cash management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To efficiently suppress loss caused by an interest rate. <P>SOLUTION: An interest rate amount management information storage part 1a stores interest rate information in a predetermined period relating to an alternative money transfer amount and a boundary interest rate amount indicating the boundary value of an interest rate amount relating to the alternative money transfer amount. A cumulative interest rate amount calculation part 1b calculates a cumulative interest rate which is the cumulative interest rate in the predetermined period on the basis of the alternative money transfer amount and the interest rate information stored in the interest rate amount management information storage part 1a, and outputs the calculated cumulative interest amount. A determination part 1c determines whether or not the cumulative interest rate amount is equal to or more than the boundary interest rate amount on the basis of the cumulative interest rate amount output by the cumulative interest rate amount calculation part 1b and the boundary interest rate amount stored in the interest rate amount management information storage part 1a. When it is determined that the cumulative interest rate amount is equal to or more than the boundary interest rate amount by the determination part 1c, an alarm information transmission part 1d transmits alarm information D1 urging the recovery of payment money housed in the paying-in device 1 to the management device 2. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to a deposit apparatus, a management apparatus, a cash management system, and a cash management method, and in particular, a deposit apparatus, a management apparatus, a cash management system, and a deposit management apparatus that manage a repayment amount for a proxy transfer amount of an agent acting on behalf of a financial institution. It relates to cash management methods.

  Conventionally, there is a collection and distribution service system that provides support for efficiently managing and operating the sales of retail stores. In the collection and delivery service system, the service provider accepts the sales proceeds of each store of the contractor, and transfers the sales amount on behalf of the account of the contractor of the financial institution (see, for example, Patent Document 1).

  In this collection and distribution service system, the sales proceeds are deposited in a depositing apparatus installed in each store. The depositing device notifies the management device installed at the center of the service provider of the amount of sales that has been input. Then, the service provider transfers the sales amount received by the management device to the account of the contractor on behalf of the contractor. At a later date, the service provider collects the cash put into the depositing device and returns it to the financial institution. By using the collection and distribution service system, the contractor can quickly and quickly reflect the sales amount of a large number of stores in a remote place to his / her account and improve the management efficiency.

Here, the service provider changes the sales amount of the contractor when performing the transfer. At this time, an interest amount corresponding to the amount of transfer is generated for the financial institution. In addition, there is a method in which the lender (borrower) calculates the interest amount based on the interest on the loaned (borrowed) funds, the lending period (scheduled borrowing period), etc. (see, for example, Patent Documents 2 and 3).
Japanese Patent Laid-Open No. 09-016691 JP 2002-215893 A JP 2008-009866 A

  In the collection and distribution service system described above, the service provider transfers the amount of money actually sold on behalf of the company. At this time, the deposit device installed in the store stores the same amount of sales as the proxy transfer amount. The amount of interest to be paid to the financial institution is generated based on the period from when the service provider transfers the money on behalf to when the cash is collected and returned to the financial institution. Therefore, the interest rate increases as the period until cash collection increases, but this can be considered the responsibility of the service provider.

  In this case, even if a certain amount of interest paid to the financial institution is included in the service fee paid from the contractor to the service provider according to the contract, the service provider itself will pay an interest rate that exceeds a certain amount. bear. That is, if the period until cash collection is long, there is a problem that a loss due to the interest burden may occur in the service provider. On the other hand, if cash is collected frequently, there is a problem that the cost required for collection increases.

For this reason, in the cash collection and delivery service system, it is desired to collect cash at an appropriate timing to suppress loss due to interest rates.
This invention is made in view of such a point, and it aims at providing the deposit | payment apparatus, management apparatus, cash management system, and cash management method which can suppress the loss by interest rate efficiently. .

In order to solve the above-described problem, a depositing apparatus is provided which is connected to a management apparatus owned by an agent acting on behalf of remittance to a financial institution and stores a repayment amount for the agent's surrogate amount. This depositing apparatus has an interest amount management information storage unit, a cumulative interest amount calculation unit, a determination unit, and a warning information transmission unit. Interest amount management information storage unit, a boundary defined as the loss due to the interest rate value not occur for representative and shows the boundary values of interest Amount according to rate information and proxy remittances in a predetermined period for the substitutional remittance Memorize the amount of interest. The accumulated interest amount calculation unit calculates an accumulated interest amount that is accumulated over a predetermined period of the interest amount based on the proxy transfer amount and the interest rate information stored in the interest amount management information storage unit, and calculates the calculated accumulated interest amount. Output. The determination unit determines whether the accumulated interest amount is equal to or greater than the boundary interest amount based on the accumulated interest amount output from the accumulated interest amount calculation unit and the boundary interest amount stored in the interest amount management information storage unit. . If the determination unit determines that the accumulated interest amount is equal to or greater than the boundary interest amount, the warning information transmission unit transmits warning information for prompting the management device to collect the repayment money.

In order to solve the above-described problem, a management apparatus connected to a depositing apparatus that stores a repayment amount for a proxy transfer amount of an agent who performs transfer to a financial institution is provided. This management apparatus has an interest amount management information storage unit, a cumulative interest amount calculation unit, a determination unit, and a collection instruction output unit. Interest amount management information storage unit, a boundary defined as the loss due to the interest rate value not occur for representative and shows the boundary values of interest Amount according to rate information and proxy remittances in a predetermined period for the substitutional remittance Memorize the amount of interest. The accumulated interest amount calculation unit calculates an accumulated interest amount that is accumulated over a predetermined period of the interest amount based on the proxy transfer amount and the interest rate information stored in the interest amount management information storage unit, and calculates the calculated accumulated interest amount. Output. The determination unit determines whether the accumulated interest amount is equal to or greater than the boundary interest amount based on the accumulated interest amount output from the accumulated interest amount calculation unit and the boundary interest amount stored in the interest amount management information storage unit. . When the determination unit determines that the accumulated interest amount is greater than or equal to the boundary interest amount, the collection instruction output unit outputs a collection instruction that instructs to collect the repayment amount stored in the depositing apparatus.

Moreover, in order to solve the said subject, the cash management system which manages the repayment with respect to the proxy transfer amount of the agent who performs transfer to a financial institution is provided. This cash management system has a depositing device and a management device. The depositing device stores the repayment money, and based on the transfer amount and the interest rate information for the transfer amount stored in the interest amount management information storage unit for the specified period of the transfer amount calculating a cumulative rate amount is the cumulative, defined as the loss due to the interest rate value not occur for calculated cumulative rate amount and interest amount management information storage unit in the stored rate amounts are representative and show the boundary value If it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount based on the obtained boundary interest amount, warning information is transmitted. When the management device receives the warning information from the depositing device, the management device outputs an instruction to collect the repayment stored in the depositing device.

Moreover, in order to solve the said subject, the cash management system which manages the repayment with respect to the proxy transfer amount of the agent who performs transfer to a financial institution is provided. This cash management system has a depositing device and a management device. The depositing device stores the repayment money. The management device, based on the transfer amount and the interest rate information for the predetermined period related to the transfer amount stored in the interest amount management information storage unit, the accumulated interest amount that is the accumulation in the predetermined period of the interest amount related to the transfer amount calculates, on the calculated cumulative rate amount and interest amount management information storage unit the rate set is a boundary rate amounts to loss does not occur due to the amount of stored boundary values of interest amount to indicate to which representative in If it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount, a collection instruction for instructing to collect the repayment stored in the depositing apparatus is output.

Moreover, in order to solve the said subject, the cash management method of the cash management system which manages the repayment with respect to the proxy transfer amount of the agent on behalf of remittance to a financial institution is provided. In this cash management method, the depositing device that stores the repayment is based on the transfer amount and the interest rate information related to the transfer amount based on the interest rate information for the predetermined period related to the transfer amount stored in the interest amount management information storage unit. calculating a cumulative rate amount is the accumulated during a predetermined period of forehead, losses due to the interest amount is for computed cumulative rate amount and interest amount management information storage unit in the stored rate amounts are representative and show the boundary value If it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount based on the boundary interest amount determined not to be generated , warning information is transmitted. When the management device receives the warning information from the depositing device, the management device outputs an instruction to collect the repayment stored in the depositing device.

Moreover, in order to solve the said subject, the cash management method of the cash management system which manages the repayment with respect to the proxy transfer amount of the agent on behalf of remittance to a financial institution is provided. In this cash management method, the management device, based on the transfer amount and the interest rate information in the predetermined period related to the transfer amount stored in the interest amount management information storage unit, in the predetermined period of the interest amount related to the transfer amount calculating a cumulative rate amount is the cumulative, defined as the loss due to the interest rate value not occur for calculated cumulative rate amount and interest amount management information storage unit in the stored rate amounts are representative and show the boundary value If it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount based on the boundary interest amount, a collection instruction for instructing to collect the repayment stored in the depositing device that stores the repayment is output.

  According to the deposit device, management device, cash management system, and cash management method, it is possible to efficiently suppress loss due to interest rates.

Hereinafter, the present embodiment will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing an outline of a cash management system. This cash management system has a depositing device 1 and a management device 2.

  The depositing device 1 is connected to a management device 2 owned by an agent acting on behalf of money transfer to a financial institution. In the depositing apparatus 1, a repayment amount for the surrogate amount is stored by a user who requests surrogate remittance from the agent. The deposit apparatus 1 includes an interest amount management information storage unit 1a, a cumulative interest amount calculation unit 1b, a determination unit 1c, and a warning information transmission unit 1d.

  The interest amount management information storage unit 1a stores interest rate information for a predetermined period related to the proxy transfer amount and a boundary interest amount indicating a boundary value of the interest amount related to the proxy amount. Here, the boundary interest amount is determined in advance as an upper limit amount allowed as an interest burden amount for the accumulated interest amount.

  The accumulated interest amount calculation unit 1b calculates the accumulated interest amount that is the accumulation of the interest amount in a predetermined period based on the proxy transfer amount by the agent and the interest rate information stored in the interest amount management information storage unit 1a. The accumulated interest rate is output.

  The determination unit 1c determines whether or not the accumulated interest amount is greater than or equal to the boundary interest amount based on the accumulated interest amount output by the accumulated interest amount calculation unit 1b and the boundary interest amount stored in the interest amount management information storage unit 1a. Determine.

  When the determination unit 1c determines that the accumulated interest amount is equal to or greater than the boundary interest amount, the warning information transmission unit 1d transmits warning information D1 that prompts the management device 2 to collect the repayment stored in the depositing device 1. .

  The management device 2 is an information processing device owned by the agent. When receiving the warning information D1 from the depositing apparatus 1, the management apparatus 2 outputs an instruction for collecting the repayment stored in the depositing apparatus 1. The output collection instruction is notified to the agent via the screen of the display device, for example. The agent collects the repayment money stored in the depositing apparatus 1 in accordance with the collection instruction.

  According to such a cash management system, the depositing device 1 calculates the accumulated interest amount for the surrogate amount in a predetermined period, and when this accumulated interest amount is equal to or greater than the boundary interest amount, the management device 2 is notified of the warning information D1. Is sent. When the warning information D1 is received by the management device 2, an instruction to collect the repayment money stored in the depositing device 1 is output.

  Thus, the agent can know an appropriate timing for collecting the repayment money from the depositing device 1 via the management device 2 before the accumulated interest amount related to the proxy transfer amount becomes excessive. Then, the agent receives a collection instruction from the management device 2, collects the repayment stored in the depositing device 1, returns the collected repayment to the financial institution, and suppresses a loss due to the accumulated interest amount. Can do.

  By the way, the cash management system described above is a collection and distribution service in which an agent transfers the sales proceeds of a retail store to a store manager's financial institution account, and later collects the sales proceeds from the store and returns them to the financial institution. Can be applied to the system. Hereinafter, the case where the above cash management system is applied to this collection and delivery service system will be described in more detail as an example.

[First Embodiment]
Hereinafter, a first embodiment will be described in detail with reference to the drawings.
FIG. 2 is a diagram illustrating a configuration of the collection and delivery service system according to the first embodiment. In this money collection and distribution service system, the company A store 11 and the company B store 12, the management center 20, the collection center 30, the company A head office 41, and the company B head office 42 are connected via the network 10. Further, the management center 20 and the financial institution 50 are connected.

  The company A store 11 and the company B store 12 are stores of the company A and the company B that manage the retail business, respectively. In the following, only the company A store 11 will be described, but the other stores have the same configuration. The company A store 11 includes a communication device 11 a and a deposit device 100. Further, there may be a plurality of stores of each company.

The communication device 11 a is a router that connects the network in the company A store 11 and the network 10.
The depositing device 100 stores the sales proceeds at the company A store 11. The depositing apparatus 100 notifies the sales information newly stored in the management apparatus 200 via the communication apparatus 11a, the network 10, and the communication apparatus 21.

  The management center 20 is a center owned by a service provider. The service provider collectively manages the sales proceeds of stores of company A other than company A store 11 and stores of other companies received by the management apparatus 200 installed in the management center 20, and stores of other companies. Delegate money transfer to head office account. The management center 20 includes communication devices 21 and 22 and a management device 200.

  The communication devices 21 and 22 are routers that connect a network in the management center 20 and an external network. The communication device 21 is connected to the network 10. The communication device 22 is connected to a network on the financial institution 50 side. The management center 20 and the financial institution 50 may be connected via the network 10.

  The management device 200 accepts sales from stores in the company A other than the company A store 11 and the company A store 11 and stores of other companies via the communication device 21 and the network 10. Then, the service provider transfers the sales received from each company's store to the account of each company's head office of the financial institution 50. Further, the service provider notifies the headquarters of each company (A company headquarters 41 and B company headquarters 42) that the sales amount has been transferred after the proxy remittance.

The collection center 30 is a service provider center installed in the location of each store. The collection center 30 includes a communication device 31 and a terminal device 300.
The communication device 31 is a router that connects the network in the collection center 30 and the network 10.

  The terminal device 300 is a computer for notifying cashiers of cash collection instructions acquired from the management device 200. The person in charge of collection receives the cash collection instruction of the depositing device 100 of the company A store 11 in the area covered by the collecting center 30 via the terminal device 300, and the sales stored in the depositing device 100 using the cash transport vehicle 35. Collect the gold. The collected sales are collected at the management center 20 and deposited into the account of the service provider of the financial institution 50 as a repayment for proxy remittance.

  The A company head office 41 and the B company head office 42 are the head offices of the A company and the B company that operate the retail business. Company A's headquarters 41 and company B's headquarters 42 are efficient because the service provider can transfer the sales proceeds of each store to the account of each company, and the sales proceeds can be used immediately as management funds. Store management is possible.

  The financial institution 50 has accounts of a company A head office 41 and a company B head office 42. The financial institution 50 lends the surrogate amount to the service provider when the remittance is performed by the service provider. As a result, the service provider is obliged to pay the financial institution 50 an interest amount based on the proxy transfer amount and the number of loan days.

  For this reason, it is required to efficiently collect the sales amount stored in the depositing device installed in each company store and reduce the burden of the interest amount. This collection and distribution service system includes a depositing apparatus 100 and a management apparatus 200 having a configuration for this purpose. Below, the structure of such a money_receiving | payment apparatus 100 and the management apparatus 200 is demonstrated in detail.

  In the following description, it is assumed that the management center 20 transfers the amount of sales after the closing process, which has been paid to the depositing device 100 at each store by such a collection and distribution service, on the day.

  FIG. 3 is a block diagram illustrating a hardware configuration of the depositing apparatus according to the first embodiment. The entire depositing apparatus 100 is controlled by the CPU 101. A memory 102, a money management unit 103, a display unit 104, an operation unit 105, and a communication interface 106 are connected to the CPU 101 via a bus 107.

  The memory 102 stores an OS (Operating System) program to be executed by the CPU 101 and application software (hereinafter referred to as an application) program for realizing the function of the deposit apparatus 100. The memory 102 stores various data necessary for processing by the CPU 101. The memory 102 includes, for example, a ROM (Read Only Memory), a RAM (Random Access Memory), and other nonvolatile memories that store such data.

  Sales are input to the money management unit 103 by store employees. The money management unit 103 holds the sales proceeds. Further, the money management unit 103 counts the inserted money according to the denomination thereof, and manages the sales amount stored in the depositing apparatus 100.

  On the display unit 104, an operation screen of the depositing apparatus 100 is displayed. The operation unit 105 is an operation key that receives an operation input to the depositing apparatus 100. A store employee or a person in charge of collection of a service provider can perform an operation input to the deposit apparatus 100 by operating the operation unit 105 in accordance with the operation screen displayed on the display unit 104.

  The communication interface 106 is connected to the network 10 via the communication device 11a. The communication interface 106 transmits / receives data to / from the management apparatus 200 via the network 10.

  FIG. 4 is a block diagram illustrating a hardware configuration of the management apparatus according to the first embodiment. The entire management apparatus 200 is controlled by the CPU 201. A memory 202, a graphic processing device 203, an input interface 204, and communication interfaces 205 and 206 are connected to the CPU 201 via a bus 207.

  The memory 202 stores an OS program to be executed by the CPU 201 and an application program that realizes the function of the management apparatus 200. The memory 202 stores various data necessary for processing by the CPU 201. The memory 202 includes, for example, a ROM, a RAM, and other nonvolatile memories that store such data.

  A monitor 61 is connected to the graphic processing device 203. The graphic processing device 203 displays an image on the screen of the monitor 61 in accordance with a command from the CPU 201. A keyboard 62 and a mouse 63 are connected to the input interface 204. The input interface 204 transmits a signal sent from the keyboard 62 and the mouse 63 to the CPU 201 via the bus 207.

  The communication interface 205 is connected to the network 10 via the communication device 21a. The communication interface 205 transmits and receives data to and from the deposit apparatus 100 via the communication apparatus 21 a and the network 10. The communication interface 206 is connected to a server (not shown) of the financial institution 50 through the communication device 22a. The communication interface 206 transmits / receives data to / from the server of the financial institution 50 via the communication device 22a.

  FIG. 5 is a block diagram illustrating a functional configuration of the depositing apparatus according to the first embodiment. The depositing device 100 includes a money management unit 103, an interest amount management information storage unit 120, a communication unit 130, a management information acquisition unit 140, an interest amount calculation unit 150, a determination unit 160, and a warning information notification unit 170. These functions are realized by executing predetermined applications by dedicated hardware or the CPU 101.

  The money management unit 103 has the same configuration as that described with the same reference numerals and names in FIG. The money management unit 103 includes a depositing unit 111, a counting processing unit 112, and a money storage unit 113.

The depositing unit 111 accepts the input of sales by store employees.
The counting processing unit 112 counts the money of the sales proceeds deposited in the depositing unit 111 according to the denomination. The counting processing unit 112 manages the sales amount stored in the depositing apparatus 100. The count processing unit 112 stores the newly entered sales amount in the interest amount management information storage unit 120.

The money storage unit 113 holds the sales received by the deposit unit 111.
The interest amount management information storage unit 120 stores interest amount management information for managing the amount of sales stored in the depositing device 100 and the amount of accumulated interest that is the amount of interest generated by proxy remittance.

  The communication unit 130 communicates with the management apparatus 200. The communication unit 130 outputs various information received from the management device 200 to the management information acquisition unit 140. In addition, the communication unit 130 transmits the warning information acquired from the warning information notification unit 170 to the management apparatus 200.

  The management information acquisition unit 140 acquires the latest interest rate information and boundary interest amount information indicating the upper limit of the accumulated interest amount from the management device 200 via the communication unit 130. These interest rate information and boundary interest amount information are collectively referred to as management information. The management information acquisition unit 140 updates the interest amount management information stored in the interest amount management information storage unit 120 based on the acquired management information.

  The interest amount calculation unit 150 calculates the accumulated interest amount generated by the proxy remittance based on the interest amount management information stored in the interest amount management information storage unit 120. The interest amount calculation unit 150 updates the interest amount management information stored in the interest amount management information storage unit 120 with the calculated accumulated interest amount.

  The determination unit 160 determines whether or not the accumulated interest amount is equal to or greater than the boundary interest amount based on the interest amount management information stored in the interest amount management information storage unit 120. The determination unit 160 outputs the determination result to the warning information notification unit 170.

  The warning information notification unit 170 notifies the management device 200 of the warning information via the communication unit 130 when the accumulated interest amount is equal to or greater than the boundary interest amount in the determination result acquired from the determination unit 160. When the accumulated interest amount is smaller than the boundary interest amount, the warning information notification unit 170 does not notify the warning information.

  FIG. 6 is a block diagram illustrating a functional configuration of the management apparatus according to the first embodiment. The management device 200 includes a monitoring information storage unit 210, communication units 220 and 230, an interest rate information acquisition unit 240, a management information notification unit 250, a warning information acquisition unit 260, and a collection instruction output unit 270. These functions are realized by executing predetermined applications by dedicated hardware or the CPU 201.

  The monitoring information storage unit 210 stores monitoring information including boundary interest amount information. In the monitoring information, boundary interest amount information is set for each user (Company A, Company B, etc.) who has signed a contract to use the collection and distribution service with the service provider. In this boundary interest amount information, for example, an upper limit amount that does not cause a loss is set in advance according to the interest amount related to the agency remittance borne by the service provider when using the collection and distribution service.

  The communication unit 220 communicates with a server installed in the financial institution 50. The communication unit 220 transmits the latest interest rate information transmission request output from the interest rate information acquisition unit 240 to the server of the financial institution 50. Then, the latest interest rate information received from the server of the financial institution 50 is output to the interest rate information acquisition unit 240 in response to the transmission request.

  The communication unit 230 communicates with the deposit apparatus 100 and the terminal apparatus 300. The communication unit 230 outputs the warning information received from the deposit apparatus 100 to the warning information acquisition unit 260. In addition, when the communication unit 230 acquires the sales amount collection instruction output by the collection instruction output unit 270, the communication unit 230 transmits the collection instruction to the terminal device 300.

  The interest rate information acquisition unit 240 transmits an acquisition request for the latest interest rate information to the financial institution 50 via the communication unit 220. The interest rate information acquisition unit 240 outputs the latest interest rate information acquired from the financial institution 50 via the communication unit 220 to the management information notification unit 250 in response to the acquisition request. Here, acquisition of the latest interest rate information by the interest rate information acquisition unit 240 is executed at a predetermined timing and cycle. This period is, for example, one day.

  The management information notification unit 250 transmits the latest interest rate information acquired from the boundary interest amount information and the interest rate information acquisition unit 240 included in the monitoring information stored in the monitoring information storage unit 210 to the depositing apparatus 100 via the communication unit 230. To do.

  When the warning information acquisition unit 260 acquires the warning information from the depositing device 100 via the communication unit 230, the warning information acquiring unit 260 instructs the collection instruction output unit 270 to output a collection instruction for the sales money stored in the depositing device 100.

The collection instruction output unit 270 transmits a collection instruction for the sales amount stored in the depositing device 100 to the terminal device 300 via the communication unit 230 based on the instruction from the warning information acquisition unit 260.
FIG. 7 is a diagram illustrating a data structure example of the interest amount management table according to the first embodiment. The interest amount management table 121 is stored in the interest amount management information storage unit 120. Since the depositing apparatus 100 is installed in the A company store 11, the interest amount management table 121 stores information on the A company. The interest amount management table 121 includes an item indicating a date, an item indicating an input amount, an item indicating the previous day interest rate (annual interest), an item indicating the balance on the previous day device, an item indicating the interest amount / day, and an item indicating the accumulated interest amount. In addition, an item indicating a boundary interest amount and an item indicating an interest rate alarm are provided. Information arranged in the horizontal direction of each item is associated with each other, and constitutes information on the sales amount and the interest amount stored in the depositing apparatus 100 of each day.

  Information indicating the date is set in the item indicating the date. In the item indicating the input amount, the amount of sales input to the depositing apparatus 100 on the corresponding day is set. In the item indicating the previous day interest rate (annual interest rate), the management information acquisition unit 140 sets the interest rate (annual interest rate) on the previous day of the corresponding day. In the item indicating the balance on the previous day device, the sales amount held in the depositing device 100 on the previous day of the corresponding day is set by the counting processing unit 112. In the item indicating the interest amount / day, the interest amount calculation unit 150 sets the interest amount for one day calculated based on the previous day interest rate and the balance in the previous day apparatus. In the item indicating the accumulated interest amount, the interest amount calculation unit 150 sets the accumulated interest amount generated by the proxy remittance since the previous sales was collected. In the item indicating the boundary interest amount, the management information acquisition unit 140 sets a boundary interest amount indicating the upper limit of the accumulated interest amount allowed by the service provider to the company A. In the item indicating the interest rate alarm, a flag indicating whether or not warning information needs to be transmitted is set by the determination unit 160 based on the determination of the magnitude of the accumulated interest amount and the boundary interest amount.

  In the interest amount management table 121, for example, the date is “April 1”, the input amount is “¥ 20,000,000”, the previous day interest rate (annual interest) is “2.0%”, and the balance in the device on the previous day is “ ¥ 80,000,000 ”, interest rate / day is“ ¥ 5,479 ”, cumulative interest amount is“ ¥ 12,055 ”, boundary interest amount is“ ¥ 25,000 ”, interest rate alarm is“ unnecessary ” Is set.

  This indicates that the sales amount “¥ 20,000,000” of the company A store 11 was put into the depositing apparatus 100 on “April 1”. The previous day of April 1, that is, the interest rate (annual interest rate) on March 31 is “2.0%”, and on March 31, “¥ 80,000,000” is added to the depositing device 100. It indicates that it was stored. Based on this interest rate and the balance on the previous day's device, it indicates that “¥ 5,479” has been generated as the interest amount for March 31, and the interest amount before March 31. The accumulated interest amount is “¥ 12,055”. Furthermore, since this cumulative interest amount “¥ 12,055” is smaller than the boundary interest amount “¥ 25,000” set for Company A, the interest rate alarm is “unnecessary”. Show.

  Here, on March 29, since the balance in the device on the previous day was “0 yen”, no interest amount is generated. On April 4, the accumulated interest amount becomes “¥ 28,493”, which exceeds the boundary interest amount “¥ 25,000”, so the interest rate alarm becomes “necessary” at this stage.

  FIG. 8 is a diagram illustrating a data structure example of the interest rate monitoring table according to the first embodiment. The interest rate monitoring table 211 is stored in the monitoring information storage unit 210. The interest monitoring table 211 includes an item indicating a customer name, an item indicating an interest allocation amount, an item indicating an interest rate adjustment amount, and an item indicating a boundary interest amount.

  In the item indicating the customer name, the name of the customer who has a service use contract with the service provider is set. In the item indicating the interest allocation amount, a part or all of the amount allocated as the interest amount of the service usage fee is set. In the item indicating the interest rate adjustment amount, an adjustment amount for obtaining the boundary interest amount from the interest rate allocation amount is set. In the item indicating the boundary interest amount, a boundary interest amount calculated based on the interest allocation amount and the interest rate adjustment amount is set.

  In the interest rate monitoring table 211, for example, the customer name is “Company A”, the interest allocation amount is “¥ 30,000”, the interest rate adjustment amount is “¥ (−5,000)”, and the boundary interest amount is “¥ 25, 000 "is set. This is because “¥ 30,000” is allocated as the interest rate allocation amount in the service usage contract with Company A, and “¥ (−5,000)” is added to this interest rate allocation amount. This shows that the boundary interest amount is set to “¥ 25,000”.

In the interest rate monitoring table 211, by providing the interest rate adjustment amount for each customer as described above, the boundary interest amount can be individually adjusted based on the contract conditions with each company.
Each amount set in the interest rate monitoring table 211 may be updated by updating a contract with each company. At this time, for example, when the content regarding the company A in the interest rate monitoring table 211 is updated, the management apparatus 200 transmits the newly determined boundary interest amount information of the company A to the depositing apparatus 100.

Next, details of processing executed in the collection and delivery service system having the above-described configuration will be described.
First, transmission processing of management information (interest rate information and boundary interest amount information) from the management device 200 to the depositing device 100 will be described. In the following, the depositing apparatus 100 will be described, but the same processing is performed for depositing apparatuses installed in other stores.

FIG. 9 is a flowchart illustrating a procedure of management information transmission processing of the management apparatus according to the first embodiment. In the following, the process illustrated in FIG. 9 will be described in order of step number.
[Step S11] The management information notification unit 250 determines whether or not the setting of the company A in the interest rate monitoring table 211 stored in the monitoring information storage unit 210 has been updated. If it has been updated, the process proceeds to step S12. If not updated, the process proceeds to step S13.

  [Step S12] The management information notification unit 250 transmits the boundary interest amount information of the company A in the interest rate monitoring table 211 stored in the monitoring information storage unit 210 to the depositing apparatus 100 via the communication unit 230.

  [Step S13] The interest information acquisition unit 240 determines whether the current time is the timing for acquiring interest. If it is time to acquire interest, the process proceeds to step S14. If it is not time to acquire interest, the process is complete.

  [Step S14] The interest rate information acquisition unit 240 inquires of the financial institution 50 about the latest interest rate information. Specifically, the latest interest rate information acquisition request is transmitted to the server of the financial institution 50 via the communication unit 220.

[Step S15] The interest rate information acquisition unit 240 outputs the latest interest rate information acquired from the server of the financial institution 50 via the communication unit 220 to the management information notification unit 250.
[Step S16] The management information notifying unit 250 transmits the interest rate information acquired from the interest rate information acquiring unit 240 to the depositing apparatus 100 via the communication unit 230.

  [Step S17] The depositing apparatus 100 receives the boundary interest amount information or the interest rate information from the management apparatus 200, updates the management information held by the depositing apparatus 100 based on the received information, and the process is completed.

  As described above, when the interest rate monitoring table 211 stored in the monitoring information storage unit 210 is updated, the management apparatus 200 notifies the updated boundary interest amount to the stores of each company. Thereby, even when the boundary interest amount is changed due to a contract change between the service provider and each company, the determination process of the depositing apparatus 100 can be handled correctly.

  Further, the management device 200 inquires the financial institution 50 about the latest interest rate information at a predetermined timing and notifies the depositing device 100 of it. Thereby, in the money_receiving | payment apparatus 100, the interest amount generated by proxy transfer can be calculated correctly based on the elapsed time from the time of transfer. The interest rate information is inquired daily, for example.

Next, the management information update process of the depositing apparatus in step S17 will be described in detail.
FIG. 10 is a flowchart illustrating a procedure of management information update processing of the depositing apparatus according to the first embodiment. In the following, the process illustrated in FIG. 10 will be described in order of step number. The processing described below shows step S17 in FIG. 9 in detail.

  [Step S <b> 21] The management information acquisition unit 140 determines whether or not boundary interest amount information has been received from the management device 200 via the communication unit 130. If the boundary interest amount information is received, the process proceeds to step S22. If the boundary interest amount information has not been received, the process proceeds to step S23.

  [Step S22] The management information acquisition unit 140 updates the boundary interest amount of the interest amount management table 121 stored in the interest amount management information storage unit 120 based on the acquired boundary interest amount information, and the processing is completed. .

  [Step S <b> 23] The management information acquisition unit 140 determines whether or not interest rate information has been received from the management device 200 via the communication unit 130. If interest rate information is received, the process proceeds to step S24. If interest rate information has not been received, processing is complete.

  [Step S24] The management information acquisition unit 140 sets the interest rate information acquired from the management device 200 to the interest rate the day before the current day in the interest amount management table 121 stored in the interest amount management information storage unit 120, Processing is complete. For example, the interest rate information received on March 31 is set as the previous day interest rate on April 1.

  As described above, the depositing apparatus 100 updates the setting of the interest amount management table 121 stored in the interest amount management information storage unit 120 based on the boundary interest amount information and interest rate information received from the management apparatus 200. Thereby, the depositing apparatus 100 can correctly monitor the interest amount based on the latest contract contents between the service provider and each company and the interest rate information of the financial institution 50.

FIG. 11 is a flowchart illustrating a procedure of interest rate monitoring processing according to the first embodiment. In the following, the process illustrated in FIG. 11 will be described in order of step number.
[Step S31] Based on the interest amount management table 121 stored in the interest amount management information storage unit 120, the interest amount calculation unit 150 newly generates the interest amount (the amount obtained by multiplying the balance in the previous day device by the previous day's interest rate). ) Is calculated. The amount calculated in this way is set in the interest amount / day of the interest amount management table 121. Then, the interest amount calculation unit 150 adds the amount of interest for the current day / the amount set on the day to the amount of interest accumulated until the previous day, and calculates the amount of accumulated interest up to the day. The amount calculated in this way is set as the accumulated interest amount in the interest amount management table 121.

  [Step S32] Based on the interest amount management table 121 stored in the interest amount management information storage unit 120, the determination unit 160 determines whether or not the accumulated interest amount is equal to or greater than the boundary interest amount. When the accumulated interest amount is equal to or greater than the boundary interest amount, the determination unit 160 sets the interest rate alarm “required” in the interest amount management table 121, and the process proceeds to step S33. When the accumulated interest amount is smaller than the boundary interest amount, the determination unit 160 sets the interest rate alarm “unnecessary” in the interest amount management table 121 and the processing is completed.

  [Step S33] The warning information notification unit 170 generates warning information indicating that the accumulated interest amount exceeds the boundary interest amount, and transmits the warning information generated via the communication unit 130 to the management apparatus 200.

  [Step S <b> 34] When the warning information acquisition unit 260 acquires the warning information from the depositing device 100 via the communication unit 230, the warning information acquisition unit 260 transmits a collection instruction for the sales money stored in the depositing device 100 to the collection instruction output unit 270. Instruct.

[Step S35] The collection instruction output unit 270 transmits a collection instruction to the terminal device 300 via the communication unit 230 based on the instruction from the warning information acquisition unit 260, and the processing is completed.
As described above, the depositing device 100 transmits warning information to the management device 200 when the accumulated interest amount is equal to or greater than the boundary interest amount. Thereby, the management apparatus 200 can output the collection | recovery instruction | indication of the sales accommodated in the money_receiving | payment apparatus 100 at the appropriate timing so that the amount of accumulated interest may not become excessive.

  Note that the above interest amount monitoring process is executed on a daily basis when, for example, interest rate information is obtained on a daily basis. However, when the boundary interest amount is updated, it may be executed immediately after the interest amount management table 121 is updated.

  FIG. 12 is a schematic diagram illustrating a specific example of the transmission timing of warning information. In the graph 80, the horizontal axis indicates the number of days, and the vertical axis indicates the accumulated interest amount. The number of days on the horizontal axis indicates the number of days with the first day of proxy remittance as the first day. The cumulative interest rate on the vertical axis shows the cumulative interest rate for each day. A graph 80 is a case where the boundary interest amount is set in advance to “¥ 25,000”.

At this time, the accumulated interest rate increases according to the number of days elapsed. Then, on the seventh day, the accumulated interest amount becomes the boundary interest amount “¥ 25,000” or more, and warning information is transmitted to the management apparatus 200.
As described above, according to the collection and distribution service system, the accumulated interest amount for the proxy transfer amount in a predetermined period is calculated by the deposit apparatus 100, and if this accumulated interest amount is equal to or greater than the boundary interest amount, Warning information is transmitted to the device 200. And when warning information is received by the management apparatus 200, the collection | recovery instruction | indication of the sales accommodated in the money_receiving | payment apparatus 100 will be transmitted with respect to the terminal device 300. FIG.

  As a result, the service provider operating the collection and delivery service system receives a collection instruction from the management apparatus 200 before the accumulated interest amount related to the surrogate transfer amount becomes excessive, and returns the sales amount stored in the deposit apparatus 100. Recovery can be performed. Then, the collected sales money can be returned to the financial institution 50 to suppress loss due to the accumulated interest amount.

In addition, by notifying the deposit device 100 of an appropriate collection timing of the sales proceeds, the service provider can efficiently perform the collection operation.
[Second Embodiment]
Next, a second embodiment will be described in detail with reference to the drawings. Differences from the first embodiment will be mainly described, and description of similar matters will be omitted.

  The second embodiment is different in that the monitoring processing of the accumulated interest amount of the depositing device 100 of the first embodiment is executed on the management device side. Hereinafter, the configuration and processing of the deposit apparatus and management apparatus that realize such a function will be described in detail.

  The configuration of the collection and delivery service system of the second embodiment is the same as the configuration of the collection and delivery service system of the first embodiment shown in FIG. However, the depositing apparatus does not transmit management information to the management apparatus, but only transmits information on the sales amount newly input to the depositing apparatus.

  The hardware configuration of the depositing apparatus and the management apparatus according to the second embodiment is the same as the hardware configuration of the depositing apparatus 100 and the management apparatus 200 according to the first embodiment shown in FIGS. .

  FIG. 13 is a block diagram illustrating a functional configuration of the depositing apparatus according to the second embodiment. The depositing apparatus 100a includes a money management unit 103a and a communication unit 130. These functions are realized by executing predetermined applications by dedicated hardware or the CPU 101.

Note that the communication unit 130 is the same as the configuration described with the same reference numerals in the depositing apparatus 100 of the first embodiment shown in FIG.
The money management unit 103a corresponds to the money management unit 103 of the first embodiment shown in FIG. Sales are input to the money management unit 103a by store employees. The money management unit 103a holds the sales proceeds that have been input, counts the money that has been input according to its denomination, and manages the amount of sales that is stored.

  The money management unit 103a includes a depositing unit 111, a counting processing unit 112, a currency storing unit 113, and a deposit information notifying unit 114. Here, the depositing unit 111, the counting processing unit 112, and the money storage unit 113 are the same as those described with the same reference numerals in the depositing apparatus 100 of the first embodiment shown in FIG. Description is omitted.

  The deposit information notifying unit 114 acquires information (referred to as deposit information) indicating the sales amount newly input to the deposit unit 111 via the count processing unit 112 and manages the acquired deposit information via the communication unit 130. To device 200. For example, the deposit information notification unit 114 transmits the deposit information at the timing when the daily sales closing process is performed by the deposit apparatus 100a.

  FIG. 14 is a block diagram illustrating a functional configuration of the management apparatus according to the second embodiment. The management device 200a includes a monitoring information storage unit 210, communication units 220 and 230, an interest rate information acquisition unit 240a, a collection instruction output unit 270a, an interest amount management information storage unit 280, an interest amount calculation unit 285, a deposit information acquisition unit 290, and a determination Part 295. The monitoring information storage unit 210 and the communication units 220 and 230 are the same as those described with the same reference numerals in the management apparatus 200 according to the second embodiment shown in FIG. .

  The interest rate information acquisition unit 240a transmits an acquisition request for the latest interest rate information to the financial institution 50 via the communication unit 220. The interest rate information acquisition unit 240a updates the interest rate management information stored in the interest rate management information storage unit 280 based on the latest interest rate information acquired from the financial institution 50 via the communication unit 220 in response to the acquisition request. To do. Here, acquisition of the latest interest rate information by the interest rate information acquisition unit 240a is executed at a predetermined timing and cycle. This period is, for example, one day.

Based on the instruction from the determination unit 295, the collection instruction output unit 270a transmits a collection instruction indicating that the sales proceeds of the deposit apparatus 100a are to be collected to the terminal device 300 via the communication unit 230.
The interest amount management information storage unit 280 stores interest amount management information for managing the amount of sales stored in the depositing apparatus 100a and the amount of accumulated interest that is the amount of accumulated interest generated by proxy remittance.

  The interest amount calculation unit 285 calculates the accumulated interest amount generated by the proxy remittance based on the interest amount management table stored in the interest amount management information storage unit 280. The interest amount calculation unit 285 updates the interest amount management information stored in the interest amount management information storage unit 280 with the calculated accumulated interest amount.

  The payment information acquisition unit 290 updates the intra-device balance on the previous day of the interest amount management table stored in the interest amount management information storage unit 280 based on the payment information acquired from the payment device 100a via the communication unit 230. For example, the deposit information is transmitted from the deposit apparatus 100a at the timing when the daily sales closing process is performed by the deposit apparatus 100a, and this deposit information is set as the balance in the apparatus the day before the next day. For example, the payment information transmitted after the closing process on March 31 is set to the balance in the device on the day before April 1.

  The determination unit 295 determines whether or not the accumulated interest amount is equal to or greater than the boundary interest amount based on the accumulated interest amount stored in the interest amount management information storage unit 280 and the boundary interest amount stored in the monitoring information storage unit 210. Determine. When the accumulated interest amount is equal to or greater than the boundary interest amount as a result of the determination, the determination unit 295 instructs the collection instruction output unit 270a to output a collection instruction that instructs collection of the sales stored in the depositing device 100a. . Further, as a result of the determination, when the accumulated interest amount is smaller than the boundary interest amount, the collection instruction output instruction is not performed.

  FIG. 15 is a diagram illustrating a configuration example of data stored in the interest amount management information storage unit according to the second embodiment. The interest amount management information storage unit 280 stores a company A interest amount management table group 281, a company B interest amount management table group 282,...

  The company A interest amount management table group 281 and the company B interest amount management table group 282 are a set of interest amount management tables associated with stores of the company A and stores of the company B, respectively.

The interest amount management table group is similarly stored for other companies that have a service use contract with service providers other than Company A and Company B.
Hereinafter, only the interest rate management table group 281 for company A will be described, but the same applies to the interest rate monitoring table group for other companies.

  FIG. 16 is a diagram illustrating a data structure example of the interest amount management table according to the second embodiment. The company A interest amount management table group 281 includes interest amount management tables 281a, 281b, and 281c. The interest amount management table 281a is a table for managing the deposit apparatus 100a installed in the company A store 11. Similarly, the interest amount management tables 281b and 281c are tables for managing depositing apparatuses installed in other stores of the company A, respectively. Hereinafter, the interest amount management table 281a will be described, but the same applies to the interest amount management tables 281b and 281c.

  The interest amount management table 281a corresponds to the interest amount management table 121 of the first embodiment shown in FIG. However, it differs from the interest amount management table 121 in that an item indicating the boundary interest amount is unnecessary. This is because the determination unit 295 can acquire the boundary interest amount from the interest rate monitoring table 211 stored in the monitoring information storage unit 210.

Next, details of processing executed in the collection and delivery service system having the above-described configuration will be described.
FIG. 17 is a flowchart illustrating a procedure of deposit information notification processing according to the second embodiment. In the following, the process illustrated in FIG. 17 will be described in order of step number.

[Step S41] The receipt information notifying unit 114 detects that the closing process has been executed based on the operation input for closing the sales proceeds to the operation unit 105.
[Step S42] The deposit information notifying unit 114 transmits deposit information indicating the sales amount deposited on the day to the deposit apparatus 100a to the management apparatus 200a via the communication unit 130.

[Step S43] The deposit information acquisition unit 290 acquires the deposit information from the deposit apparatus 100a via the communication unit 230.
[Step S44] The deposit information acquisition unit 290 sets the deposit information acquired from the deposit device 100a in the balance on the day before the next day of the current date of the interest amount management table 281a stored in the interest amount management information storage unit 280. The process is complete. For example, the deposit information received on March 31 is set as the interest rate on the day before April 1.

  In this way, when the deposit device 100a closes the sales amount on that day, the deposit device 100a notifies the management device 200a of the sales amount deposited on that day. Upon receiving this sales amount notification, the management device 200a updates the balance information in the device in the interest amount management table 281a related to the deposit device 100a.

FIG. 18 is a flowchart illustrating a procedure of interest rate information update processing according to the second embodiment. In the following, the process illustrated in FIG. 18 will be described in order of step number.
[Step S51] The interest information acquisition unit 240a determines whether or not the current time is the timing for acquiring interest. If it is time to acquire interest, the process proceeds to step S52. If it is not time to acquire interest, the process is complete.

  [Step S52] The interest rate information acquisition unit 240a inquires of the financial institution 50 about the latest interest rate information. Specifically, the latest interest rate information acquisition request is transmitted to the server of the financial institution 50 via the communication unit 220.

[Step S53] The interest rate information acquisition unit 240a acquires the latest interest rate information from the server of the financial institution 50 via the communication unit 220.
[Step S54] The interest rate information acquisition unit 240a sets the interest rate information acquired in step S53 to the previous day's interest rate the day after the current date in the interest rate management table 281a stored in the interest rate management information storage unit 280. Processing is complete.

  As described above, the management apparatus 200a inquires the financial institution 50 for the latest interest rate information at a predetermined timing, and updates the interest amount management table 281a stored in the interest amount management information storage unit 280. Thereby, the management device 200a can accurately calculate the amount of interest generated by proxy remittance based on the elapsed time from the time of remittance. The inquiry about the interest rate information is performed on a daily basis, for example.

FIG. 19 is a flowchart illustrating a procedure of interest rate monitoring processing according to the second embodiment. In the following, the process illustrated in FIG. 19 will be described in order of step number.
[Step S61] The interest amount calculation unit 285, based on the interest amount management table 281a stored in the interest amount management information storage unit 280, newly generates the interest amount (the amount obtained by multiplying the balance in the previous day device by the previous day's interest rate). ) Is calculated. The amount calculated in this way is set to interest amount / day in the interest amount management table 281a. Then, the interest amount calculation unit 285 adds the amount of interest for the current day / the amount set on the day to the amount of accumulated interest up to the previous day, and calculates the amount of accumulated interest up to the day. The amount calculated in this way is set as the accumulated interest amount in the interest amount management table 281a.

  [Step S62] The determination unit 295 is based on the boundary interest amount of the interest rate monitoring table 211 stored in the monitoring information storage unit 210 and the accumulated interest amount of the interest amount management table 281a stored in the interest amount management information storage unit 280. Thus, it is determined whether the accumulated interest amount is equal to or greater than the boundary interest amount. When the accumulated interest amount is equal to or greater than the boundary interest amount, the determination unit 295 sets the interest rate alarm “required” in the interest amount management table 281a, instructs the collection instruction output unit 270a to output a collection instruction, and the processing is step S63. Moved to. When the accumulated interest amount is smaller than the boundary interest amount, the determination unit 295 sets the interest rate alarm “unnecessary” in the interest amount management table 281a, and the processing is completed.

  [Step S63] Based on the instruction from the determination unit 295, the collection instruction output unit 270a transmits a collection instruction for instructing the terminal device 300 to collect the sales stored in the depositing apparatus 100a via the communication unit 230. Then, the process is completed.

  As described above, according to this collection and delivery service system, the management apparatus 200a calculates the accumulated interest amount for the surrogate amount in a predetermined period, and when this accumulated interest amount is equal to or greater than the boundary interest amount, An instruction to collect the sales amount stored in the deposit apparatus 100a is transmitted to the terminal apparatus 300.

  As a result, the service provider operating the collection and delivery service system receives a collection instruction from the management device 200a before the accumulated interest amount related to the proxy transfer amount becomes excessive, and the sales amount stored in the depositing device 100a. Recovery can be performed. Then, the collected sales money can be returned to the financial institution 50 to suppress loss due to the accumulated interest amount.

  In addition, by notifying an appropriate collection timing of sales proceeds from the deposit apparatus 100a, the service provider can efficiently perform the collection operation.

It is a figure which shows the outline | summary of a cash management system. It is a figure which shows the structure of the collection and delivery service system of 1st Embodiment. It is a block diagram which shows the hardware constitutions of the money_receiving | payment apparatus of 1st Embodiment. It is a block diagram which shows the hardware constitutions of the management apparatus of 1st Embodiment. It is a block diagram which shows the function structure of the money_receiving | payment apparatus of 1st Embodiment. It is a block diagram which shows the function structure of the management apparatus of 1st Embodiment. It is a figure which shows the example of a data structure of the interest amount management table of 1st Embodiment. It is a figure which shows the example of a data structure of the interest rate monitoring table of 1st Embodiment. It is a flowchart which shows the procedure of the management information transmission process of the management apparatus of 1st Embodiment. It is a flowchart which shows the procedure of the management information update process of the money_receiving | payment apparatus of 1st Embodiment. It is a flowchart which shows the procedure of the amount-of-interest amount monitoring process of 1st Embodiment. It is a schematic diagram which shows the specific example of the transmission timing of warning information. It is a block diagram which shows the function structure of the money_receiving | payment apparatus of 2nd Embodiment. It is a block diagram which shows the function structure of the management apparatus of 2nd Embodiment. It is a figure which shows the structural example of the data stored in the interest amount management information storage part of 2nd Embodiment. It is a figure which shows the example of a data structure of the interest amount management table of 2nd Embodiment. It is a flowchart which shows the procedure of the payment information notification process of 2nd Embodiment. It is a flowchart which shows the procedure of the interest rate information update process of 2nd Embodiment. It is a flowchart which shows the procedure of the amount-of-interest amount monitoring process of 2nd Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Deposit apparatus 1a Interest amount management information storage part 1b Accumulated interest amount calculation part 1c Judgment part 1d Warning information transmission part 2 Management apparatus D1 Warning information

Claims (9)

A depositing device connected to a management device owned by an agent acting on behalf of a remittance to a financial institution and storing a repayment amount for the agent's surrogate amount;
Storing the interest information and the proxy remittances interest Amount of boundary values shown to have the proxy interest rate determined is the boundary rate amounts to loss does not occur by the amount for persons according to the predetermined time period according to the proxy remittance Interest rate management information storage unit,
Based on the proxy transfer amount and the interest rate information stored in the interest amount management information storage unit, a cumulative interest amount that is a cumulative amount of the interest amount in the predetermined period is calculated, and the calculated cumulative interest amount is output. A cumulative interest rate calculation unit,
Based on the accumulated interest amount output by the accumulated interest amount calculation unit and the boundary interest amount stored in the interest amount management information storage unit, whether or not the accumulated interest amount is equal to or greater than the boundary interest amount. A determination unit for determining;
A warning information transmission unit that transmits warning information for prompting the collection of the repayment to the management device when the determination unit determines that the accumulated interest amount is equal to or greater than the boundary interest amount;
A depositing apparatus characterized by comprising:   A boundary interest amount information acquisition unit that acquires the latest boundary interest amount information from the management device and updates the boundary interest amount stored in the interest amount management information storage unit based on the latest boundary interest amount information; The depositing apparatus according to claim 1, further comprising:   An interest rate information acquisition unit that acquires the latest interest rate information from the management device and updates the interest rate information stored in the interest amount management information storage unit based on the latest interest rate information. Item 3. A depositing device according to item 1 or 2. A management device connected to a depositing device for storing a repayment amount for a proxy transfer amount of an agent acting on behalf of a financial institution;
Storing the interest information and the proxy remittances interest Amount of boundary values shown to have the proxy interest rate determined is the boundary rate amounts to loss does not occur by the amount for persons according to the predetermined time period according to the proxy remittance Interest rate management information storage unit,
Based on the proxy transfer amount and the interest rate information stored in the interest amount management information storage unit, a cumulative interest amount that is a cumulative amount of the interest amount in the predetermined period is calculated, and the calculated cumulative interest amount is output. A cumulative interest rate calculation unit,
Based on the accumulated interest amount output by the accumulated interest amount calculation unit and the boundary interest amount stored in the interest amount management information storage unit, whether or not the accumulated interest amount is equal to or greater than the boundary interest amount. A determination unit for determining;
When the determination unit determines that the accumulated interest amount is equal to or greater than the boundary interest amount, a collection instruction output unit that outputs a collection instruction that instructs to collect the repayment amount stored in the depositing device;
A management apparatus comprising:   An interest rate information acquisition unit that acquires the latest interest rate information from the financial institution and updates the interest rate information stored in the interest amount management information storage unit based on the latest interest rate information. Item 5. The management device according to Item 4. A cash management system that manages repayments for the amount of money transferred on behalf of an agent acting on behalf of a financial institution,
The repayment amount is stored, and the predetermined period of the interest amount related to the proxy amount based on the proxy amount and the interest rate information in the predetermined period related to the proxy amount stored in the interest amount management information storage unit loss due to the interest rate amounts for accumulation at which to calculate the cumulative interest amount, calculated the accumulated interest amount and the interest amount management information storage unit to said stored rate amount the representative and shows a boundary value in the When it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount based on the boundary interest amount determined not to occur, a depositing device that transmits warning information;
Upon receiving the warning information from the depositing device, a management device that outputs a collection instruction for the repayment stored in the depositing device;
A cash management system characterized by comprising: A cash management system that manages repayments for the amount of money transferred on behalf of an agent acting on behalf of a financial institution,
A depositing device for storing the repayment money;
Based on the surrogate amount and the interest rate information in the predetermined period related to the surrogate amount stored in the interest amount management information storage unit, the accumulated interest amount that is the accumulation in the predetermined period of the interest amount related to the surrogate amount calculating a boundary of loss due to the interest amount is determined so as not to generate to calculated the accumulated interest amount and the interest amount management information storage unit to said stored rate amounts shown to have the representative boundary values When determining that the accumulated interest amount is equal to or greater than the boundary interest amount based on the interest amount, a management device that outputs a collection instruction that instructs to collect the repayment stored in the deposit device;
A cash management system characterized by comprising: A cash management method of a cash management system for managing repayment for the amount of transfer of an agent acting on behalf of a remittance to a financial institution,
The depositing device for storing the repayment amount is based on the proxy transfer amount and the interest rate information for the proxy transfer amount stored in the interest rate management information storage unit for a predetermined period of the proxy transfer amount. interest rate amounts to calculate the cumulative interest amount is accumulated, calculated the accumulated interest amount and the interest amount management information boundary value of the interest rate value stored in the storage unit and shows the representative in the predetermined time period If it is determined that the accumulated interest amount is equal to or greater than the boundary interest amount based on the boundary interest amount determined so as not to cause a loss due to
When the management device receives the warning information from the depositing device, it outputs an instruction to collect the repayment stored in the depositing device.
A cash management method characterized by that. A cash management method of a cash management system for managing repayment for the amount of transfer of an agent acting on behalf of a remittance to a financial institution,
Based on the proxy transfer amount and the interest rate information for a predetermined period relating to the proxy amount stored in the interest amount management information storage unit, the management device accumulates the interest amount related to the proxy amount in the predetermined period. calculating a certain cumulative interest amount, so that the loss due to the interest rate value not occur for calculated the accumulated interest amount and the interest amount management information storage unit to store the above and shows the boundary values of interest amount said deputy based on the determined is the boundary rate amounts to, the the accumulated interest amount is determined to be the boundary rate amount or more, the recovery instruction for instructing to recover the repayment housed in the deposit unit that houses the repayment Output,
A cash management method characterized by that.

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