JP5873939B1 - Fund transfer statement creation device, fund transfer statement creation method, and fund transfer statement creation program - Google Patents

Abstract

The present invention relates to a fund transfer statement creation device and a fund transfer that can accurately create funds transfer statement information with a small amount of information processing without applying matching processing to bank account deposit / withdrawal statement information of a plurality of merchants. A statement creation method and a fund transfer statement creation program are provided. For a bank account held by one merchant, for each transaction through the bank account, transaction date, fund transfer source account or fund transfer destination account, counterparty who owns the account, transaction type and transfer funds Depositing / withdrawing in a predetermined period is performed as means for storing bank transaction details, which is information for associating the amount, and from the bank transaction details information for one merchant, as funds transfer details for one merchant's deposit / withdrawal. It has a deposit information extracting means 150 and a withdrawal information extracting means 160 for extracting bank transaction details information relating to the gold transaction. [Selection] Figure 2

Description

  The present invention relates to a technique for accurately generating funds transfer detailed information with a small amount of information processing without applying a matching process to deposit / withdrawal detailed information of bank accounts of a plurality of merchants. In addition, the present invention relates to a technique for creating funds transfer detailed information without causing a problem of data inconsistency that matching is not performed correctly, which is an accessory of matching processing.

  Since most of the business transactions involving the transfer of funds are carried out using bank deposit accounts, banks can provide loans and commercial transactions for each bank account and, if the bank account is identified, for each business. We have a large amount of various and important transaction data such as related payments.

  Therefore, the bank can know the relationship between the bank account holders by analyzing the transaction data held by the bank. However, the bank account deposit / withdrawal statement information held by the bank accounting system does not include information on the transaction method (transaction type) or the other party of the transaction. Therefore, in order to know the relationship between account holders, it is necessary to match the deposit / withdrawal details information of two or more bank accounts.

  Banks, on the other hand, are engaged in loan operations and need to know the loan repayment capacity of the loan partner. In order to know the repayment capacity, it may be useful to know the flow of commercial transactions involving the loan partner. is there.

  Therefore, in Patent Document 1, a commercial flow chart for facilitating judgment at the time of loan execution using data obtained by matching the deposit details of the loan object person and the account of the transaction partner of the object person. Proposals have been made regarding systems for creating

JP 2013-200622 A

  However, in the above prior art, there are usually a huge number of counterparties of the loan target person, and since the commercial flow chart is created for all the counterparties, the amount of information processing is very large, Due to the large amount of information handled, there was a problem that important information such as differences in roles played by each person appearing in the commercial flow chart might be overlooked or could not be clarified.

  In addition, when a bank manages a borrower during the period, it may be useful to know the important persons who are affecting a large number of members in the trading group to which the bank belongs. However, there was a problem that it was not suitable for the task of knowing such an important person.

  Furthermore, in the above-mentioned prior art, a commercial flow chart is created using data obtained by matching the deposit and withdrawal details information of the loan target person and the counterparty's account, but the amount of matching processing is large, There was also a problem of data inconsistency that was not correctly matched.

  Accordingly, in the present invention, in view of the above-described problems, the funds transfer details for accurately generating the funds transfer details information with a small amount of information processing without applying the matching processing to the deposit / withdrawal details information of the bank accounts of a plurality of merchants. The purpose is to propose a creation device. Another object of the present invention is to propose a funds transfer statement creation apparatus that does not cause the problem of data inconsistency, which is an incidental to the matching process and does not match correctly.

  One form of funds transfer statement creation device to be disclosed is fund transfer details information regarding deposits and withdrawals of bank accounts held by merchants, and each fund transfer transaction type, counterparty, and distinction between deposits and withdrawals And a funds transfer statement creation device for creating funds transfer statement information indicating the amount of funds to be transferred, which relates to a bank account held by one of the merchants, a transaction date, a fund transfer source account for each transaction through the bank account. Or a bank transaction details storage means for storing bank transaction details information, which is information relating the funds transfer destination account, the counterparty who is the owner of the account, the transaction type and the amount of the transfer funds, and the bank transaction related to the one merchant Deposit information extracting means for extracting the bank transaction details information relating to the deposit transaction in a predetermined period as the funds transfer detail information relating to the deposit of the one merchant from the detail information. Withdrawing information extracting means for extracting bank transaction details information relating to the withdrawal transaction in the predetermined period as the funds transfer details information relating to the withdrawal of the one merchant from the bank transaction details information relating to the one merchant It is characterized by having.

  The disclosed funds transfer statement creation apparatus can accurately create the fund transfer statement information with a small amount of information processing without applying the matching process to the deposit / withdrawal statement information of the bank accounts of a plurality of merchants. Further, the disclosed funds transfer statement creation apparatus does not cause the problem of data inconsistency, which is inherent in the matching process and does not match correctly.

It is a figure which shows the outline | summary of the commercial flow chart preparation apparatus which concerns on this Embodiment. It is a functional block diagram of the commercial flow chart preparation apparatus concerning this Embodiment. It is a figure which shows an example of the deposit account ledger information which the deposit account ledger memory | storage means which concerns on this Embodiment memorize | stores. It is a figure which shows an example of the deposit total and withdrawal total in the predetermined period which the deposit / withdrawal calculation means which concerns on this Embodiment calculates. It is a figure explaining the outline | summary of the bank transaction detailed information (thing regarding payment) which concerns on this Embodiment. It is a figure explaining the outline | summary of the bank transaction detailed information (thing regarding withdrawal) which concerns on this Embodiment. It is a figure which shows the process example (time deposit details) by the deposit information extraction means and withdrawal information extraction means which concern on this Embodiment. It is a figure which shows the process example (domestic exchange statement) by the receipt information extraction means and withdrawal information extraction means which concern on this Embodiment. It is a figure which shows the process example by the self-transaction information extraction means which concerns on this Embodiment. It is a figure which shows the process example by the balance processing means based on this Embodiment. It is a figure which shows an example of the money transfer detailed information which the money transfer detailed memory | storage means based on this Embodiment memorize | stores. It is a figure which shows the process example (processing subject person: P1) by the supplier information totaling means, sorting basic information calculation means, and important destination selection means which concern on this Embodiment. It is a figure which shows the process example (processing subject person: P1000) by the supplier information totaling means, sorting basic information calculation means, and important destination selection means which concern on this Embodiment. It is a figure which shows the process example (processing subject person: P1) by the transaction direction display means and important person mark display means which concern on this Embodiment. It is a figure which shows the process example (processing subject person: P1000) by the transaction direction display means and important person mark display means which concern on this Embodiment. It is a figure explaining the variation of the display result by the transaction direction display means and important person mark display means which concern on this Embodiment. It is a figure which shows the example of a display by the transaction direction display means and important person mark display means which concern on this Embodiment. It is a figure which shows the hardware structural example of the commercial flow chart preparation apparatus which concerns on this Embodiment. It is a flowchart explaining the whole process outline | summary by the commercial flow diagram preparation apparatus concerning this Embodiment. It is a flowchart explaining an example of the fund transfer detailed preparation process by the commercial flow chart preparation apparatus concerning this Embodiment. It is a flowchart explaining an example of the commercial flow diagram creation process by the commercial flow diagram creation apparatus according to the present embodiment.

DESCRIPTION OF EMBODIMENTS Embodiments for carrying out the present invention will be described with reference to the drawings.
(Outline of commercial flow chart creation apparatus according to this embodiment)

  The outline of the commercial flow diagram creation apparatus 100 according to the present embodiment will be described with reference to FIG. FIG. 1 shows the relationship between the commercial flow chart creation device 100 and peripheral devices. The commercial flow chart creating apparatus 100 is connected to a bank accounting system or the like via a communication network, and is also connected to a user terminal 420 operated by a user 430. The commercial flow chart creation device 100 may be configured to operate based on an operation on the user terminal 420, and it may be more appropriate to consider the commercial flow chart creation system including the user terminal 420.

  The merchandise flow chart creating apparatus 100 receives, from the connected bank account system, bank transaction in which deposit / withdrawal details information 330 showing the deposit / withdrawal information and balance information and detailed information of various bank transactions are shown. Detailed information 340 is acquired. Based on the information 330 and 340, the merchandise flow chart creating apparatus 100 creates the funds transfer detailed information 350 that indicates the transaction type of each money transfer, the counterparty, the deposit / withdrawal distinction, and the transfer money amount. . At this time, the merchandise flow diagram creating apparatus 100 does not perform the matching process on the deposit / withdrawal detail information 330 of the plurality of persons, but extracts and extracts the bank transaction detail information 340 for the target period of one process target person. The bank transaction details information 340 is referred to as funds transfer details information 350.

The merchandise flow diagram creation apparatus 100 illustrates the commercial transaction relationship between the merchant 300 belonging to the specific group 310 and the important business partner 320 for each merchant 300 based on the created fund transfer details information 350. Further, the merchandise flow chart creating apparatus 100 has a great influence on many traders 300 in the group 310 by illustrating the business relations with the important business partners 320 for all the traders 300 belonging to the specific group 310. A merchandise flow chart capable of visually detecting the important person 440 who gives
(Operation principle of the commercial flow chart creation device according to the present embodiment)
The operation principle of the commercial flow chart creation device 100 will be described with reference to FIGS. FIG. 2 is a functional block diagram of the commercial flow diagram creation apparatus 100.

  As shown in FIG. 2, the merchandise flow chart creating apparatus 100 includes a deposit account ledger storage means 110, a bank transaction details storage means 120, a funds transfer details storage means 130, a transaction discrimination information storage means 140, a deposit information extraction means 150, Gold information extraction means 160, deposit / withdrawal total calculation means 170, deposit / withdrawal difference calculation means 180, self-transaction information extraction means 190, balance processing means 200, supplier information aggregation means 210, sorting basic information calculation means 220, important destination sorting means 230, transaction direction display means 240, and important person mark display means 250.

  Deposit account ledger storage means 110 stores deposit account ledger information 330 acquired from a bank account system. The deposit account ledger information 330 is information for associating a transaction date, a deposit / withdrawal amount, and an account balance for each bank account holder 300, and is information that is described in the deposit passbook if it is an ordinary deposit. It should be noted that the bank account deposit account ledger information (payment / withdrawal details information) 330 held by the bank account system does not include information regarding the transaction method (transaction type) or the counterparty of the transaction.

  As shown in FIG. 3, the deposit account ledger storage means 110 is related to the deposit account specified by the deposit account holder 300: P1 store number: 100, deposit item: checking account, account number: 11111111, transaction date: 2014. On March 5th, deposit account ledger information 330 of withdrawal amount: 100,000 yen and deposit balance: 900,000 yen is stored. Further, the deposit account ledger storage means 110 is related to the deposit account specified by the deposit account holder 300: P1 store number: 100, deposit item: ordinary deposit, account number: 2222222, transaction date: March 5, 2014, Deposit account ledger information 330 of deposit amount: 1,400,000 yen and deposit balance: 25,842,050 yen is stored. As shown in FIG. 3, when the deposit account holder 300: P1 has a plurality of deposit accounts, the deposit account ledger information 330 is stored in the deposit account ledger information 330 according to a predetermined rule. Are treated as being. This is called name identification processing.

  The deposit / withdrawal total calculation means 170 calculates the sum of the deposit amount and the withdrawal amount for a predetermined period for the deposit account ledger information 330 related to one account holder 300 stored in the deposit account ledger storage unit 110.

  As shown in FIG. 4, the deposit / withdrawal total calculation means 170 calculates the total deposit amount for March 2014 based on the deposit account ledger information 330 of the deposit account holder 300: P1 as shown in FIG. , 800,000 yen, and the total amount of withdrawal in March 2014 is calculated as 65,200,000 yen.

  The bank transaction statement storage means 120 stores bank transaction statement information 340 acquired from the bank account system. The bank transaction details information 340 is information for associating a transaction date, a fund transfer source account or a fund transfer destination account, a partner who is the owner of these accounts, a transaction type, and a transfer fund amount for each transaction through a bank deposit account. . The bank transaction details information 340 may be in a form in which name identification processing is performed for each deposit account holder 300.

  As shown in FIG. 5, the bank transaction details information 340 related to the deposit transaction includes time deposit transfer details (withdrawal), loan transfer details (execution), domestic exchange details, cash on hand (cash collection bill) details, and the like. On the other hand, as shown in FIG. 6, the bank transaction details information 340 relating to the withdrawal transaction includes time deposit transfer details (payment), loan transfer details (collection), domestic exchange details, and the like.

  As will be described later, the fund transfer details storage unit 130 stores the funds transfer details information 350 created in accordance with the processing of the deposit information extraction unit 150, the withdrawal information extraction unit 160, the deposit / withdrawal difference calculation unit 180, or the balance processing unit 200. I remember it. The funds transfer details information 350 is information related to the deposit and withdrawal of the bank account held by the deposit account holder 300, and includes the transaction type of each fund transfer, the counterparty, the distinction between deposit and withdrawal, and the amount of funds transferred. Is the information indicated. That is, the bank transaction details information 340 provides only fragmentary information of various transaction types of the deposit account holder 300, but the funds transfer details information 350 includes the deposit account ledger information 330 of the deposit account holder 300. It is information that provides transaction details in an integrated manner.

  The deposit information extraction means 150 extracts the bank transaction details information 340 for a predetermined period from the bank transaction details information 340 regarding the deposit account holder 300 as the funds transfer details information 350 regarding the deposit of the deposit account holder 300.

  The withdrawal information extraction unit 160 extracts the bank transaction details information 340 for a predetermined period from the bank transaction details information 340 regarding the deposit account holder 300 as the funds transfer details information 350 regarding the withdrawal of the deposit account holder 300.

  FIG. 7 is a diagram showing a processing example by the deposit information extracting unit 150 and the withdrawal information extracting unit 160 when the bank transaction detail information 340 is a fixed deposit detail. Note that withdrawals in time deposit accounts correspond to deposits in a savings account or checking account, and deposits in time deposit accounts correspond to withdrawals in a savings account or checking account.

  As shown in FIG. 7, the deposit information extracting unit 150, for example, makes a withdrawal transaction of the deposit account holder 300: P 1 from the time deposit details 340 to March 2014 (1,000,000 on March 1, 2014). Yen, 6,000,000 yen on March 25, 2014) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the deposit account holder 300: P1.

Further, as shown in FIG. 7, the withdrawal information extraction means 160 is, for example, a deposit transaction of the deposit account holder 300: P1 from the time deposit details 340 to the deposit transaction in March 2014 (5,000,000 on March 11, 2014). 000 yen) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the withdrawal of the deposit account holder 300: P1.
FIG. 8 is a diagram showing a processing example by the deposit information extracting unit 150 and the withdrawal information extracting unit 160 when the bank transaction detail information 340 is a domestic exchange statement.

  As shown in FIG. 8, for example, the deposit information extracting means 150 can perform a deposit transaction in March 2014 from a deposit account holder 300: P1 domestic exchange statement 340 (478,163 yen, 2014 on March 7, 2014, 1,000,000 yen on March 15th of the year) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the deposit of the deposit account holder 300: P1.

  Further, as shown in FIG. 8, the withdrawal information extraction means 160, for example, makes a withdrawal transaction in March 2014 from the domestic account statement 340 of the deposit account holder 300: P1 (6,110 on March 5, 2014). , 846 yen) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 regarding the withdrawal of the deposit account holder 300: P1.

  As shown in FIG. 8, information on the deposit and withdrawal of the bank account held by the deposit account holder 300 by the deposit information extracting means 150 and the withdrawal information extracting means 160 for the domestic exchange statement 340, The funds transfer details information 350 showing the transaction type, the business partner, the deposit / withdrawal distinction, and the transfer fund amount is created.

  When the deposit account holder 300 has a plurality of bank deposit accounts, the self-transaction information extraction unit 190 is based on the deposit account ledger information 330 stored in the deposit account ledger storage unit 110, and the self account information extraction unit 190 Fund transfer details information 350 relating to the transaction is created. The self-transaction information extraction means 190 is transaction information in which the transaction date is the same day and the deposit amount and the withdrawal amount are the same from the deposit account ledger information 330 related to the bank deposit account held by the deposit account holder 300. To extract. Then, the transaction information extracting means 190 calculates the total of either the deposit amount or the withdrawal amount relating to the extracted transaction information (the sum of the deposit amount / the withdrawal amount may be divided by “2”) of the deposit account holder 300. It is stored in the funds transfer details storage means 130 as the funds transfer details information 350 relating to the self-transaction.

  FIG. 9 is a diagram illustrating an example of processing by the self-transaction information extraction unit 190. As shown in FIG. 9, the self-transaction information extracting means 190 is, for example, 100,000 yen, 200,000 yen, March 5, 2014 on the deposit account ledger information 330 of the deposit account holder 300: P1. The withdrawal transaction of 300,000 yen on the 10th, 200,000 yen on the 15th of March, and 400,000 yen not shown is extracted. Then, the self-transaction information extracting means 190 sends a total of 1,200,000 yen deposit transaction and withdrawal transaction to the fund transfer detail storage means 130 as the fund transfer detail information 350 regarding the self-transaction of the deposit account holder 300: P1. Remember.

  The deposit / withdrawal difference calculation means 180 is a cash transfer statement information 350 extracted by the deposit information extraction means 150 from the total deposit amount calculated by the deposit / withdrawal total calculation means 170 for the deposit transaction of the bank account held by the deposit account holder 300. The deposit difference is calculated by subtracting the total amount of funds transferred. Then, the deposit / withdrawal difference calculation means 180 stores the calculated deposit difference in the fund transfer statement storage unit 130 as the fund transfer statement information 350 regarding the deposit transaction.

  Also, the deposit / withdrawal difference calculation means 180 is the funds extracted by the withdrawal information extraction means 160 from the total of the withdrawal amounts calculated by the deposit / withdrawal total calculation means 170 for the withdrawal transaction of the bank account held by the deposit account holder 300. A withdrawal difference is calculated by subtracting the total amount of funds included in the movement details information 350. Then, the deposit / withdrawal difference calculation means 180 stores the calculated withdrawal difference in the funds transfer details storage means 130 as the funds transfer details information 350 regarding the withdrawal transaction.

  The deposit / withdrawal difference calculation means 180 calculates the difference between the funds transfer details information 350 and the deposit account ledger information 330 created by the deposit information extraction means 150 or the withdrawal information extraction means 160 for each deposit transaction and withdrawal transaction. The difference is calculated and stored in the funds transfer statement storage means 130 as the funds transfer statement information 350.

  As shown in FIG. 10, the deposit / withdrawal difference calculation means 180 stores, for example, 2,800,000 yen as the deposit transaction in the fund transfer details storage means 130 as the fund transfer details information 350, and 3,650 as the withdrawal transaction. , 000 yen is stored in the funds transfer details storage means 130 as the funds transfer details information 350.

  With respect to the bank account held by the deposit account holder 300, the balance processing means 200 calculates the amount of the funds transfer detailed information 350 relating to the self-transaction created by the self-transaction information extraction means 190 from the deposit difference calculated by the deposit / withdrawal difference calculation means 180. The deducted remaining amount is stored in the fund transfer statement storage unit 130 as the fund transfer statement information 350 relating to the business-related deposit transaction.

  The balance processing means 200 is the amount of the funds transfer detailed information 350 regarding the self-transaction created by the self-transaction information extraction means 190 from the withdrawal difference calculated by the deposit / withdrawal difference calculation means 180 for the bank account held by the deposit account holder 300. Is stored in the funds transfer statement storage means 130 as the funds transfer statement information 350 relating to the business-related withdrawal transaction.

  As shown in FIG. 10, the balance processing means 200 calculates the self-transaction information extraction means 190 from the calculated amount of 2,800,000 yen of the deposit / withdrawal difference calculation means 180 for the deposit transaction of the deposit account holder 300: P1, for example. 1,600,000 yen obtained by subtracting the amount of 1,200,000 yen is stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the business-related deposit transaction.

  Further, as shown in FIG. 10, the balance processing means 200, for example, with respect to the withdrawal transaction of the deposit account holder 300: P1, the self-transaction information extraction means 190 from the calculated amount 3,650,000 yen of the deposit / withdrawal difference calculation means 180. 2,450,000 yen obtained by subtracting the calculated amount of 1,200,000 yen is stored in the funds transfer details storage means 130 as the funds transfer details information 350 relating to business-related withdrawal transactions.

  The transaction discriminating information storage means 140 stores transaction discriminating information 360 that prescribes whether it corresponds to a business transaction or a non-business transaction for each type of bank transaction or each type of counterparty. To do. FIG. 11 is a diagram illustrating an example of the funds transfer detail storage unit 130. As shown in FIG. 11, the transaction discrimination information storage unit 140 stipulates that, for example, a transfer transaction, a discount bill transaction, a transaction created by the balance processing unit 200 as a business transaction corresponds to a business transaction. On the other hand, as shown in FIG. 11, the transaction discriminating information storage means 140 stipulates that, for example, those created as self-transactions by the self-transaction information extraction means 190, term deposit transactions, loan transactions, etc. fall under non-business transactions. ing.

  The supplier information collecting means 210 is the funds transfer details information 350 relating to the bank account held by the deposit account holder 300, and the funds transfer details information 350 classified as business transaction based on the transaction discrimination information 360 is processed. And The supplier information collection means 210 calculates the total amount of transfer funds included in the funds transfer details information 350 for each counterparty and for each deposit or withdrawal of the funds transfer details information 350 to be processed.

  As shown in FIG. 11, the supplier information collection means 210 is, for example, a transaction date: March 5, 2014, a movement fund amount: 6,110,846 yen, a deposit / withdrawal distinction: withdrawal, transaction type: Transfer transaction, transaction partner: “bank: QWE, branch: 600, deposit item: ordinary deposit, account number: 1234567, transaction partner name: P12”, and the funds transfer details information 350 is processed.

  On the other hand, the supplier information collection means 210 is, for example, a transaction date: March 1, 2014, a movement fund amount: 1,000,000 yen, a deposit / withdrawal distinction: deposit, transaction type: time deposit transaction, transaction Counterpart: “Bank: Bank, Branch: 100, Deposit Item: Time Deposit, Account Number: 6666666, Counterpart Name: P1” is not processed.

  As described above, the commercial flow diagram creation device 100 creates information related to business transactions necessary for creating the commercial flow diagram without performing the matching process between the deposit account ledger information 330 and the bank transaction details information 340. Data for efficient and accurate commercial flow chart creation that avoids matching of different transactions by the separate matching processing of withdrawal details and receipt details for transactions that are generated from A and withdrawn from A and deposited into B Can be processed.

  FIG. 12 is a diagram for explaining the processing for the deposit transaction by the supplier information collection unit 210 in an easily understandable manner. As shown in FIG. 12 (a), for example, the supplier information collecting means 210 for each of the transaction partners “P2, P12,..., P1000” for the funds transfer detailed information 350 determined as the business transaction in FIG. The total amount of funds transferred included in the funds transfer details information 350 relating to the deposit transaction is calculated. The supplier information collection unit 210 calculates, for example, a total amount of 3,175,417 yen of the transfer funds amount of 2,100,000 yen and 1,075,417 yen for the two payment transactions for the counterparty: P31. .

  FIG. 13 is a diagram for easily explaining the processing by the supplier information collection unit 210 when the deposit account holder 300: P1 in the previous example is changed to P1000. As shown in FIG. 13A, the supplier information collecting means 210 performs processing for each deposit account holder 300 belonging to the group 310 to which a plurality of merchants 300 belong, and the transaction of the deposit account holder 300: P1000 is performed. For each partner “P1, P14,..., P69”, the total amount of transfer funds included in the transfer details information 350 is calculated. The supplier information collection means 210 calculates, for example, the total amount of transfer funds 5,846,923 yen for the account partner P14 of the deposit account holder 300: P1000.

  The sorting basic information calculation means 220 is one transaction in the total of all the movement funds processed by the supplier information collection means 210 for the deposit account holder 300 for each counterparty and for each deposit or withdrawal. A ratio 380, which is occupied by the total amount of movement funds of the other party, is calculated. Further, the sorting basic information calculation means 220 is one of the total of all the funds transferred by the supplier information collection means 210 for the deposit account holder 300 for each counterparty and for each deposit or withdrawal. The scale rank 390 of the total amount of funds transferred by the trading partner is calculated.

  As shown in FIGS. 12 (a) and 12 (b), for example, the selection basic information calculation means 220 is provided for each trading partner for each trading partner “P2, P12,..., P1000” of the deposit account holder 300: P1. A ratio 380 occupied by the total amount of funds transferred is calculated. The sorting basic information calculation means 220 calculates the ratio 380 of the total account amount of 55,587,426 yen to 0.9% for the account partner P2 of the deposit account holder 300: P1, and 0.9% for the transaction partner P12. The ratio 380 is calculated as 6.4%.

  On the other hand, as shown in FIG. 12 (b), the sorting basic information calculation means 220, for example, moves each trading partner for each trading partner “P2, P12,..., P1000” of the deposit account holder 300: P1. A total rank ranking 390 of the amount of funds is calculated. The sorting basic information calculation means 220 calculates the scale rank 390 as the first place for the trading partner: P1000 of the deposit account holder 300: P1, and calculates the scale rank 390 as the second place for the counterparty: P274.

  Further, as shown in FIGS. 13A and 13B, the sorting basic information calculation means 220, for example, stores each trading partner for each trading partner “P1, P14,..., P69” of the deposit account holder 300: P1000. A ratio 380 occupied by the total amount of the previous transfer funds is calculated. The sorting basic information calculation means 220 calculates the ratio 380 of the total account amount: 361, 180, 870 yen for the account partner P1 of the deposit account holder 300: P1000: 1.5% and the ratio for the transaction partner P14. 380 is calculated as 1.6%.

  On the other hand, as shown in FIG. 13 (b), the sorting basic information calculation means 220, for example, moves each trading partner for each trading partner "P1, P14, ..., P69" of the deposit account holder 300: P1000. A total rank ranking 390 of the amount of funds is calculated. The sorting basic information calculation means 220 calculates the scale rank 390 as the first place for the trading partner: P44 of the deposit account holder 300: P1000, and calculates the scale rank 390 as the second place for the trading partner: P38.

  The important destination selecting means 230 extracts (selects and determines) the trading partners that the ratio 380 and the size rank 390 calculated by the sorting basic information calculating means 220 satisfy predetermined criteria as the important accounts 320 of the deposit account holder 300. To do. Only important suppliers 320 extracted by the important destination selection means 230 are processed in the transaction direction display means 240 and the important person mark display means 250 described later. Here, the predetermined standard imposed by the important destination selecting unit 230 is that the ratio 380 is equal to or higher than a certain value and the scale ranking 390 is equal to or larger than a certain ranking.

  The predetermined standard is derived from the relationship of “profit rate of deposit account holder 300 (%)” = “ratio 380 (%)” × “number of persons whose scale rank 390 is equal to or higher than a certain rank”. There may be. For example, when the profit rate (%) of the deposit account holder 300 is 25% and the number of persons whose scale rank 390 is equal to or higher than a certain rank is 5, the ratio 380 is set to 5%.

  As illustrated in FIG. 12B, the important destination selecting unit 230 extracts, for example, the trading partners whose ratio 380 is 5% or more and the scale ranking 390 is 5 or more as the important trading partners 320. In the example of FIG. 12 (b), the important destination selection means 230 extracts the five parties P1000, P274, P626, P152 and P229 as the important business partners 320 of the deposit account holder 300: P1.

  Further, as shown in FIG. 13B, the important destination selecting unit 230 extracts, for example, the trading partners whose ratio 380 is 5% or more and the scale ranking 390 is 5 or more as the important trading partners 320. In the example of FIG. 13B, since there are only three trading partners whose ratio 380 exceeds 5%, the important bank screening means 230 has P44, P38, and P44 as important trading partners 320 of the deposit account holder 300: P1000. Extract the three P47.

  As described above, the commercial flow chart creation device 100 processes only information related to business transactions necessary for creating a commercial flow chart, and therefore can reduce the data processing amount in creating the commercial flow chart. In addition, the merchandise flow chart creating apparatus 100 limits the amount of information to be handled so that important information such as a difference in roles played by each person appearing in the merchandise flow chart is not overlooked.

  The transaction direction display means 240 causes the display device 570 to display an icon corresponding to the deposit account holder 300 and also causes the display device 570 to display an icon corresponding to the important customer 320 selected by the important destination selection means 230. Then, the transaction direction display means 240 has an icon corresponding to the deposit account holder 300 and an icon corresponding to the important customer 320 depending on whether the processing object of the means 210, 220, 230 is a deposit transaction or a withdrawal transaction. In the meantime, an arrow 400 from the withdrawer to the depositor is displayed.

  The important person mark display means 250 indicates that the person indicated by the icon is an important supplier 320 on the arrow 400 displayed by the transaction direction display means 240 and in the vicinity of the icon representing the important supplier 320. A symbol 410 is displayed.

  FIG. 14 is a diagram for explaining processing by the transaction direction display means 240 and the important person mark display means 250 regarding the deposit account holder 300: P1 based on the example of FIG. As shown in FIG. 14, the transaction direction display means 240 displays an icon indicating the deposit account holder 300: P1 and an icon indicating the important business partners 320: P1000, P274, P626, P152, and P229. Since FIG. 12 shows a processing example related to the deposit transaction, the transaction direction display means 240 has an arrow 400 from an icon indicating each of the important business partners 320: P1000 and the like to an icon indicating the deposit account holder 300: P1. Is displayed.

  On the other hand, as shown in FIG. 14, the important person mark display means 250 indicates that the important business partner 320 is an important business partner 320 on the arrow 400 in the vicinity of the icons indicating the important business partners 320: P1000, P274, P626, P152, and P229. “●” is displayed as the symbol 410 to be shown.

  FIG. 15 is a diagram for explaining processing of the transaction direction display means 240 and the important person mark display means 250 related to the deposit account holder 300: P1000 based on the example of FIG. As shown in FIG. 15, the transaction direction display means 240 displays an icon indicating the deposit account holder 300: P1000 and an icon indicating the important business partners 320: P44, P38, and P47. Since FIG. 12 shows an example of processing related to the deposit transaction, the transaction direction display means 240 moves from an icon indicating each of the important business partners 320: P44 and the like to an icon indicating the deposit account holder 300: P1000. Is displayed.

  On the other hand, as shown in FIG. 15, the important person mark display means 250 has a sign 410 indicating that it is an important customer 320 on an arrow 400 in the vicinity of the icon showing the important customers 320: P44, P38 and P47. ● is displayed.

  14 and 15 show an example in which the transaction direction display means 240 and the important person mark display means 250 process the deposit transaction, but the means 210 to 250 perform the deposit transaction and the withdrawal transaction. A form in which both of them are processed and displayed in a superimposed manner may be used.

  FIG. 16 shows various processing results when the transaction direction display unit 240 and the important person mark display unit 250 process both deposit and withdrawal and display them in a superimposed manner. In FIG. 16 (a), P1000 is a higher deposit partner of P1, but P1 is not a higher deposit partner of P1000. In FIG. 16B, P1000 indicates that P1 is a higher deposit partner, and P1 is a higher withdrawal partner of P1000. FIG. 16C shows that P1000 is a higher deposit partner of P1, and P1 is also a higher deposit partner of P1000. FIG. 16D shows that P1000 is P1's top deposit partner, and P1 is P1000's top withdrawal partner.

  Thus, from the commercial flow diagram created by the commercial flow diagram creation device 100, various commercial transaction relationships between the two parties can be easily read visually. Here, various commercial transaction relationships are intended to be a trading relationship such as which is a buyer and which is a seller, or a leading position relationship in a commercial transaction such as which is a higher-level business partner.

  14 and 15 show processing examples by the transaction direction display means 240 and the important person mark display means 250 for a single deposit account holder 300 (P1 or P1000). All the deposit account holders 300 that make up the group 310 are processed, and these are displayed in a superimposed manner.

  As shown in FIG. 17, when the transaction direction display means 240 and the important person mark display means 250 perform processing for all the members 300 of the group 310, important members that have affected many members in the group 310. The person 440 can be easily read visually. For example, the deposit account holder 300: P 47 can be recognized as a significant person 440 in the position of the higher withdrawal partner 320 for many members 300.

  The merchandise flow chart created by the merchandise flow chart creating apparatus 100 by tracing the arrow 400 of the merchandise flow chart and the mark 410 indicating the higher-level business partner over a plurality of stages is for those who have no direct commercial transaction relationship. The degree of influence in multiple stages can be visually recognized.

Based on the operation principle as described above, the merchandise flow chart creating apparatus 100 uses a bank transaction data to reduce the amount of data processing, and within the group 310 composed of a plurality of merchants 300. It is possible to create a commercial flow diagram that makes it easy to visually recognize the important person 440 that affects the person 300.
(Hardware configuration of commercial flow chart creation apparatus according to this embodiment)

  A hardware configuration example of the commercial flow chart creation device 100 will be described with reference to FIG. FIG. 18 is a diagram illustrating an example of a hardware configuration of the commercial flow chart creation device 100. As illustrated in FIG. 18, the commercial flow chart creation device 100 includes a CPU (Central Processing Unit) 510, a ROM (Read-Only Memory) 520, a RAM (Random Access Memory) 530, an auxiliary storage device 540, a communication I / F 550, An input device 560, a display device 570, and a recording medium I / F 580 are included.

  The CPU 510 is a device that executes a program stored in the ROM 520. The CPU 510 performs arithmetic processing on data expanded (loaded) in the RAM 530 in accordance with the instructions of the program, and controls the entire commercial flow diagram creating device 100. The ROM 520 stores programs executed by the CPU 510 and data. When the CPU 510 executes a program stored in the ROM 520, the RAM 530 develops (loads) the program and data to be executed, and temporarily holds the operation data during the operation.

  The auxiliary storage device 540 is a device that stores an OS (Operating System) that is basic software, an application program according to the present embodiment, and the like together with related data. The auxiliary storage device 540 includes a deposit account ledger storage unit 110, a bank transaction details storage unit 120, a funds transfer details storage unit 130, and a transaction discrimination information storage unit 140, such as an HDD (Hard Disc Drive) or a flash memory. .

  The communication I / F 550 is an interface that is connected to a communication network such as a wired / wireless LAN (Local Area Network) or the Internet and exchanges data with other devices that provide a communication function.

  The input device 560 is a device for inputting data to the commercial flow chart creation device 100 such as a keyboard. The display device (output device) 570 is a device composed of an LCD (Liquid Crystal Display) or the like, and functions as a user interface when the user uses the functions of the commercial flow chart creation device 100 or when performing various settings. It is a device to do. The recording medium I / F 580 is an interface for transmitting / receiving data to / from a recording medium 590 such as a CD-ROM, DVD-ROM, or USB memory.

Each unit included in the commercial flow chart creating apparatus 100 may be realized by the CPU 510 executing a program corresponding to each unit stored in the ROM 520 or the auxiliary storage device 540. In addition, each unit included in the commercial flow chart creating apparatus 100 may be configured such that processing related to each unit is realized as hardware. In addition, the program according to the present invention is read from the external server device via the communication I / F 550, or the program according to the present invention is read from the recording medium 590 via the recording medium I / F 580. The creation apparatus 100 may be configured to execute the program.
(Example of processing by commercial flow chart creation device according to the present embodiment)

  The process flow of the commercial flow chart creation device 100 will be described with reference to FIG. FIG. 19 is a flowchart showing an exemplary flow of processing of the commercial flow diagram creation apparatus 100. As shown in FIG. 19, the merchandise flow diagram creation apparatus 100 performs two-stage processing including (1) fund transfer statement creation processing and (2) merchant flow diagram creation processing. (1) Fund transfer statement creation processing is processing for creating fund transfer statement information 350 based on deposit account ledger information 330 and bank transaction statement information 340. (2) The merchandise flow chart creating process is a process for creating a merchandise flow chart as shown in FIG. 17 based on the fund transfer detailed information 350 created by the (1) fund transfer detail creating process.

  In S10, the merchandise flow chart creating apparatus 100 executes (1) funds transfer statement creating processing for one merchant 300. When the process in S10 is completed, the funds transfer detailed information 350 relating to one merchant 300 is created.

  In S <b> 20, the commercial flow chart creation device 100 performs (2) commercial flow chart creation processing for one merchant 300. When the process in S20 is completed, a commercial flow diagram for one merchant 300 is created.

  When the commercial flow chart creation processing has been completed for all the members 300 of the group 310 to which the plurality of merchants 300 belong in S30 (Yes in S30), the processing by the commercial flow chart creation device 100 ends. If all the members 300 of the group 310 to which the plurality of merchants 300 belong in S30 (2) If the merchandise diagram creation processing is not completed (No in S30), the processing by the merchandise diagram creation device 100 proceeds to S10. (2) For other merchants 300 for which the merchandise flow chart creation process has not been completed, (1) the funds transfer statement creation process is executed.

In the example of processing shown in FIG. 19, (1) funds transfer statement creation processing and (2) merchandise flow diagram creation processing are successively processed for one merchant 300. After all, (1) fund transfer statement creation processing is performed, then (2) commercial flow diagram creation processing may be entered. That is, (2) the merchandise flow chart creation process may be executed for all the members 300 of the group 310, and the process by the merchandise flow chart creation device 100 is not limited to the process shown in the flowchart of FIG. .
(1) Fund transfer statement creation processing by commercial flow diagram creation device 100

  Here, with reference to FIG. 20, the funds transfer statement creation process by the merchandise flow diagram creation device 100 will be described. FIG. 20 is a flowchart showing an exemplary flow of funds transfer statement creation processing by the merchandise flow diagram creation device 100. Here, a process when P1 is selected as the merchant 300 will be described.

  In S <b> 110, the commercial flow diagram creation apparatus 100 acquires the deposit account ledger information 330 from the bank account system, and stores the acquired deposit account ledger information 330 in the deposit account ledger storage unit 110. As shown in FIG. 3, the deposit account ledger information 330 is information that associates a transaction date, a deposit / withdrawal amount, and an account balance for each merchant 300. As shown in FIG. 3, the deposit account ledger storage means 110 has a transaction date of March 2014 for a deposit account specified by a merchant 300: P1 store number: 100, deposit item: current account, account number: 1111111. On the 5th, deposit account ledger information 330 such as withdrawal amount: 100,000 yen and deposit balance: 900,000 yen is stored.

  In S120, the deposit / withdrawal calculation means 170 calculates the total deposit amount for March 2014 as 66, based on the deposit account ledger information 330 of the merchant 300: P1 as shown in FIG. It is calculated as 800,000 yen, and the total amount of withdrawal in March 2014 is calculated as 65,200,000 yen. As shown in FIG. 3, it is assumed that a plurality of deposit accounts held by the merchant 300: P1 are subjected to name identification processing according to a predetermined rule.

  In S <b> 130, the commercial flow diagram creation apparatus 100 acquires the bank transaction details information 340 from the bank account system, and stores the acquired bank transaction details information 340 in the bank transaction details storage means 120. As shown in FIG. 5, the bank transaction details information 340 related to the deposit transaction includes a time deposit transfer statement, a loan transfer statement, a domestic exchange statement, a cashier (cash collection bill) statement, and the like. On the other hand, as shown in FIG. 6, the bank transaction details information 340 relating to the withdrawal transaction includes a time deposit transfer statement, a loan transfer statement, a domestic exchange statement, and the like. In addition, regarding the bank transaction details information 340, it is assumed that the name identification process according to a predetermined rule is performed on the deposit account of the merchant 300: P1.

  In S140, the deposit information extracting unit 150 creates the funds transfer detail information 350 regarding the deposit / withdrawal of P1 based on the bank transaction detail information 340 for a predetermined period regarding the merchant 300: P1.

  As shown in FIG. 7, in S140, the deposit information extraction means 150 determines the withdrawal transaction (Million 2014, 1 million yen on March 1, 2014 from the time deposit details 340 of the merchant 300: P1. 6,000,000 yen on March 25, 2014) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 regarding the deposit of the deposit account holder 300: P1.

  As shown in FIG. 8, in S140, the deposit information extracting means 150 determines the deposit transaction of the merchant 300: P1 from the domestic exchange statement 340 in March 2014 (478,163 yen on March 7, 2014, March 2014). 1,000,000 yen on the 15th of May) is extracted and stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the deposit of the deposit account holder 300: P1.

  Further, as shown in FIG. 8, the withdrawal information extraction means 160 is a withdrawal transaction in March 2014 from the domestic exchange statement 340 of the merchant 300: P1 (6,110,846 yen on March 5, 2014). Are stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the withdrawal of the deposit account holder 300: P1.

  In S150, the self-transaction information extraction unit 190 makes a pair with the same transaction amount on the same date and the same deposit amount and withdrawal amount from the deposit account ledger information 330 regarding the bank deposit account held by the merchant 300: P1. Extract transaction information. Further, the transaction information extracting means 190 stores the sum of either the deposit amount or the withdrawal amount relating to the extracted transaction information in the fund transfer detail storage means 130 as the fund transfer detail information 350 relating to the self-transaction of the merchant 300: P1.

  As shown in FIG. 9, the self-transaction information extraction means 190 is the 100,000 yen, 200,000 yen on March 5, 2014, 300 on March 10, in the deposit account ledger information 330 of the merchant 300: P1. The withdrawal transaction of 200,000 yen on March 15, 200,000 yen and the unillustrated 400,000 yen is extracted, and the total amount 1,200,000 yen is used as the funds transfer detailed information 350 regarding the self-transaction. It is stored in the funds transfer statement storage means 130.

  In S160, the deposit / withdrawal difference calculation means 180, for each of the deposit transaction and withdrawal transaction of the merchant 300: P1, funds transfer detailed information 350 and deposit account ledger information created by the deposit information extraction means 150 or the withdrawal information extraction means 160. The difference from 330 is calculated. As shown in FIG. 10, the deposit / withdrawal difference calculation means 180 calculates the deposit transaction difference as 2,800,000 yen and the withdrawal transaction difference as 3,650,000 yen, respectively. 350 is stored in the funds transfer statement storage means 130.

  In S170, the balance processing means 200 subtracts the amount related to the self-transaction estimated by the self-transaction information extraction means 190 from the deposit difference / withdrawal difference calculated by the deposit / withdrawal difference calculating means 180. As shown in FIG. 10, in S170, the balance processing unit 200 relates to the deposit transaction of the merchant 300: P1, and the calculated amount of the self-transaction information extracting unit 190 from the calculated amount of 2,800,000 yen of the deposit / withdrawal difference calculating unit 180. 1,200,000 yen is deducted and 1,600,000 yen is calculated.

  Further, as shown in FIG. 10, in S170, the balance processing means 200, for the withdrawal transaction of the merchant 300: P1, uses the self-transaction information extraction means 190 from the calculated amount 3,650,000 yen of the deposit / withdrawal difference calculation means 180. The calculated amount of 1,200,000 yen is subtracted and 2,450,000 yen is calculated.

  In S180, the balance processing means 200 stores the money amount calculated by the balance processing means 200 for the deposit transaction in S170 in the fund transfer detail storage means 130 as the fund transfer detail information 350 regarding the business-related deposit transaction. In S180, the balance processing means 200 stores the amount calculated by the balance processing means 200 for the withdrawal transaction in S170 in the funds transfer detail storage means 130 as the funds transfer detail information 350 regarding the business-related withdrawal transaction.

As shown in FIG. 11, in S180, the balance processing means 200 uses the amounts 1,600,000 yen and 2,450,000 yen calculated by the balance processing means 200 for deposit transactions and withdrawal transactions in S170 for other businesses. It is stored in the fund transfer statement storage means 130 as the fund transfer statement information 350 relating to the sex deposit transaction or the business withdrawal transaction.
As long as the funds transfer detailed information 350 in S180 is created, the processing order of each process in S110 to S180 can be changed as appropriate.

  By performing the processing as described above, the merchandise flow chart creation device 100 can accurately perform the funds transfer details with a small amount of information processing without applying the matching processing to the deposit / withdrawal details information of the accounts of the plurality of merchants 300. Information 350 can be created.

By performing the processing as described above, the commercial flow chart creating apparatus 100 does not cause the problem of data inconsistency, which is an incidental to the matching processing and that matching is not performed correctly.
(2) Commercial flow diagram creation processing by the commercial flow diagram creation device 100

  Here, the commercial flow diagram creation processing by the commercial flow diagram creation device 100 will be described with reference to FIG. FIG. 21 is a flowchart showing an exemplary flow of a commercial flow diagram creation process by the commercial flow diagram creation device 100. Again, the processing when P1 is selected as the merchant 300 will be mainly described.

  In S <b> 210, the supplier information collection unit 210 sets the funds transfer details information 350 relating to the merchant 300: P <b> 1, which is classified as a business transaction based on the transaction determination information 360, as a processing target. As shown in FIG. 11, in S210, the supplier information collection unit 210 determines that the transfer transaction, the discount bill transaction, the transaction generated by the balance processing unit 200, and the like correspond to business transactions, and corresponds to these business transactions. Then, the determined information is set as a processing target. For example, the supplier information collection means 210 has a transaction date: March 5, 2014, a transfer fund amount: 6,110,846 yen, a deposit / withdrawal distinction: withdrawal, transaction type: transfer transaction, counterparty: The funds transfer detailed information 350 of “Bank: QWE, Branch: 600, Deposit Item: Normal Deposit, Account Number: 1234567, Counterpart Name: P12” is the processing target.

  The amount of funds transferred included in the funds transfer details information 350 for each counterparty and for each deposit or withdrawal of the funds transfer details information 350 that is determined to be processed in S210 by the supplier information collection unit 210 in S220. Calculate the sum of. As shown in FIG. 12 (a), in S220, the supplier information collection means 210 determines the amount of transfer funds included in the funds transfer details information 350 related to the deposit transaction for each counterparty “P2, P12,..., P1000”. Calculate the total. For example, the supplier information collection means 210 calculates a total amount of 3,175,417 yen of the transfer funds amount of 2,100,000 yen and 1,075,417 yen for the two deposit transactions for the counterparty: P31.

  Further, in S220, the sorting basic information calculation means 220 determines the trading partner “P2” in the total of all the movement funds processed by the supplier information collection means 210 for the merchant 300: P1 for each deposit transaction or withdrawal transaction. , P12,..., P1000 ”, the ratio 380 of the total amount of funds transferred is calculated. Further, in S220, the selection basic information calculation means 220 determines that the trading partner “the total amount of all the movement funds processed by the supplier information collection means 210 for the merchant 300: P1 for each deposit transaction or withdrawal transaction” P2, P12,..., P1000 ”is calculated as the total rank order 390 of the amount of funds transferred.

  As shown in FIG. 12 (b), in S220, the sorting basic information calculation means 220 occupies the total amount of money transferred from each business partner for each business partner “P2, P12,..., P1000” of P1. 380 is calculated. The selection basic information calculation means 220 calculates the ratio 380 of the total amount: 55,587,426 yen to 10.0% for the P1 business partner: P1000, and the ratio 380 for the business partner: P274 to 8.8. Calculated as%.

  Similarly, the sorting basic information calculation means 220 calculates the total rank rank 390 of the amount of funds transferred for each business partner for each business partner “P2, P12,..., P1000” of P1. The sorting basic information calculating unit 220 calculates the scale rank 390 as the first place for the P1 trading partner: P1000, and calculates the scale rank 390 as the second place for the trading partner: P274.

  In S230, the important party selecting means 230 selects the trading partner whose ratio 380 and size rank 390 calculated in S220 satisfy predetermined criteria as the higher-level trading partner 320 of the merchant 300: P1.

  In S <b> 230, the important party selecting unit 230 extracts a trading partner whose ratio 380 is 5% or more and whose scale rank 390 is 5 or more as a higher-ranking customer 320. As shown in FIG. 12 (b), the important party selecting means 230 selects five parties P1000, P274, P626, P152 and P229 as the higher-level business partners 320 of the merchant 300: P1.

  In S240, the transaction direction display means 240 causes the display device 570 to display an icon corresponding to the merchant 300, and causes the display device 570 to display an icon corresponding to the higher order customer 320 selected by the important party selection means 230. Further, in S240, the transaction direction display means 240 determines whether the processing object of the means 210, 220, 230 is a deposit transaction / withdrawal transaction, an icon corresponding to the merchant 300: P1 and a higher-level customer 320: P1000, An arrow 400 from the withdrawer to the depositor is displayed between the icons corresponding to P274, P626, P152, and P229.

  Further, in S240, the important person mark display means 250 is displayed on the arrow 400 displayed by the transaction direction display means 240 and in the vicinity of the icon representing the higher order business partner 320. Symbol 410 indicating that: “●” is displayed.

As shown in FIG. 14, a merchandise flow chart relating to the deposit transaction of the merchant 300: P1 is created and displayed by the processing by the transaction direction display unit 240 and the important person mark display unit 250 in S240.
As long as the commercial flow diagram as shown in FIG. 14 is created and displayed, the processing order of each processing in S210 to S240 can be changed as appropriate.

  When the processes of S110 to S240 are performed for all members 300 of the group 310 to which a plurality of merchants 300 belong, a commercial flow diagram as shown in FIG. 17 is created and displayed.

  As shown in FIG. 17, when the merchandise flow chart created and displayed by the merchandise flow chart creating apparatus 100 is listed, the important person 440 influencing a large number of members 300 in the group 310 can be easily read visually. be able to. For example, the member 300: P47 of the group 310 can be recognized as a significant person 440 in the position of the higher withdrawal partner 320 for many members 300.

  Further, by tracing the arrow 400 of the merchandise diagram created and displayed by the merchandise diagram creation apparatus 100 and the mark 410 indicating the higher-level business partner 320 in a plurality of stages, it is also possible for a person who has no direct commercial transaction relationship to 1 The degree of indirect influence via two or more merchants 300 can be visually recognized.

  By performing the processing as described above, the merchandise flow chart creating apparatus 100 uses the bank transaction data to reduce the amount of data processing, and in the group 310 composed of a plurality of merchants 300. It is possible to create a commercial flow diagram that makes it easy to visually recognize the important person 440 that affects the person 300.

  By performing the processing as described above, the merchandise flow chart creating apparatus 100 selects and extracts the important business partners 320 and creates a merchandise flow chart. Therefore, the number of subjects to be drawn is limited, and each subject person The amount of data processing for determining whether or not each trading partner is the same person can be greatly reduced.

  Although the embodiment of the present invention has been described in detail above, the present invention is not limited to the specific embodiment, and various modifications are possible within the scope of the gist of the present invention described in the claims.・ Change is possible.

DESCRIPTION OF SYMBOLS 100 Commercial flow chart preparation apparatus 110 Deposit account ledger storage means 120 Bank transaction details storage means 130 Fund transfer details storage means 140 Transaction discrimination information storage means 150 Deposit information extraction means 160 Deposit information extraction means 170 Deposit and withdrawal total calculation means 180 Deposits and withdrawals Difference calculation means 190 Self-transaction information extraction means 200 Balance processing means 210 Supplier information aggregation means 220 Selection basic information calculation means 230 Important destination selection means 240 Transaction direction display means 250 Important person mark display means 300 Merchant (deposit account holder)
310 Group 320 to which multiple merchants belong.
330 Deposit Account Ledger Information 340 Bank Transaction Details Information 350 Fund Transfer Details Information 360 Transaction Discrimination Information 370 Important Criteria Operator Selection Criteria 380 Important Citizen Operator Selection Criteria: Ratio 390 Important Citizen Operator Selection Criteria: Scale Rank 400 Directional arrow 410 Mark indicating superior business partner 420 User terminal 430 User 440 Important person (in group 310) 510 CPU
520 ROM
530 RAM
540 Auxiliary storage device 550 Communication interface 560 Input device 570 Output device (display device)
580 Recording medium interface

Claims (7)

Fund transfer details information related to deposits and withdrawals of bank accounts held by merchants, including the type of transaction of each fund transfer, the counterparty, the distinction of deposits / withdrawals and the amount of funds transferred A fund transfer statement creation device to be created,
Apart from transactions through the bank account, transaction date, fund transfer the original account or funds transfer destination account, the other party is the owner of the mouth seat, a transaction type and information associating the movement amount of funds, each of the transaction types of payment is divided into either transactions or the dispensing transaction, and the bank statement storage means for storing information der Ru bank statement information classified as being different for each said transaction type,
From the bank statement information for one of commerce's a predefined transaction you acquire only information according to an of the transaction is defined as a receiving transaction, the fund transfer detail information about the payment of the one transaction's Deposit information extracting means for extracting the transaction type, deposit transaction partner and transfer fund amount related to the bank transaction details information in a predetermined period as the transaction type, transaction partner and transfer fund amount, and
From the bank statement information for one of commerce's a predefined transaction defined you acquire only the information relating to the other of the transaction as a withdrawal transaction, the fund transfer details regarding dispensing of the one transaction's Withdrawal information extraction means for extracting the transaction type, withdrawal transaction partner and transfer fund amount related to the bank transaction details information in the predetermined period as the transaction type, transaction partner and transfer fund amount related to the information A fund transfer statement creation device characterized by the above. Deposit account ledger storage means for storing deposit account ledger information that correlates transaction date, deposit / withdrawal amount and account balance obtained from bank account system;
Deposit / withdrawal total calculation means for calculating the total deposit and withdrawal in the predetermined period based on the deposit account ledger information related to the bank account held by the one merchant;
As the fund transfer details information regarding the deposit of the one merchant, a deposit difference is calculated by subtracting the total of the funds transferred from the funds transfer details information extracted by the deposit information extraction means from the total deposit, and As the funds transfer details information relating to the withdrawal of one merchant, a withdrawal difference is calculated by subtracting the total amount of funds transferred from the money transfer details information extracted by the withdrawal information extraction means from the withdrawal total. The funds transfer statement creation device according to claim 1, further comprising a deposit / withdrawal difference calculation means. When the one merchant has a plurality of bank accounts, the date is the same and the same amount from the deposit account ledger information related to the bank account held by the one merchant, and the deposit and withdrawal are Self-transaction information extraction means for extracting the total amount of deposits or withdrawals relating to the paired transaction information as the funds transfer details information relating to the self-transaction of the one merchant,
The one merchant holds the remaining amount obtained by subtracting the amount relating to the funds transfer details information relating to the self-transaction of the one merchant from the deposit difference and withdrawal difference relating to the bank account held by the one merchant. 3. A funds transfer statement creating apparatus according to claim 2, further comprising a balance processing means for determining that the information is the money transfer statement information of the bank account to be executed. Fund transfer details information related to deposits and withdrawals of bank accounts held by merchants, including the type of transaction of each fund transfer, the counterparty, the distinction of deposits / withdrawals and the amount of funds transferred A fund transfer statement creation method performed by a fund transfer statement creation device to be created,
The fund transfer specification creation device, separately traded through a bank account, there at the transaction date, fund transfer the original account or funds transfer destination account, the other party is the owner of the mouth seat, associating the transaction type and movement amount of funding information Te, is divided into one of the said transaction types deposit transaction or the dispensing transaction, and bank statement storage means for storing Ru information der bank statement information classified as being different for each said transaction type Have
Deposit information extracting means, from the bank statement information for one of commerce's you acquire only the information according to one of the transactions to a predetermined transaction is defined as a deposit transaction, regarding the payment of the one transaction's Extracting the transaction type, deposit transaction partner and transfer fund amount related to the bank transaction detail information in a predetermined period as the transaction type, transaction partner and transfer fund amount related to the fund transfer detail information;
Payment information extracting means, from the bank statement information for one of commerce's a predefined transaction defined you acquire only the information relating to the other of the transaction as a withdrawal transaction, said one transaction's Extracting a transaction type, a withdrawal transaction partner and a transfer fund amount related to the bank transaction details information in the predetermined period as a transaction type, a transaction partner and a transfer fund amount related to the funds transfer detail information regarding withdrawal; and A method for preparing a fund transfer statement, comprising: The fund transfer statement creation device has deposit account ledger storage means for storing deposit account ledger information relating transaction date, deposit / withdrawal amount and account balance acquired from a bank account system,
A step of calculating a total deposit and withdrawal in the predetermined period based on the deposit account ledger information relating to the bank account held by the one merchant;
Deposit / withdrawal difference calculation means, as the fund transfer details information on the deposit of the one merchant, the deposit obtained by subtracting the total of the transfer funds amount of the funds transfer details information extracted by the deposit information extraction means from the total deposit The difference is calculated, and the total amount of funds transferred in the funds transfer details information extracted by the withdrawal information extraction means from the sum of withdrawals is subtracted as the details of funds transfer details related to the withdrawal of the one merchant. The method for creating the funds transfer statement according to claim 4, further comprising: calculating a withdrawal difference amount. If the one merchant has multiple bank accounts,
The self-transaction information extracting means extracts transaction information having the same date and the same amount, and a pair of deposit and withdrawal from the deposit account ledger information related to the bank account held by the one merchant, Extracting the total amount of deposits or withdrawals relating to the paired transaction information as the funds transfer details information relating to the self-transaction of the one merchant;
The balance processing means obtains the remaining amount obtained by subtracting the amount relating to the funds transfer details information relating to the self-transaction of the one merchant from each of the deposit difference and withdrawal difference relating to the bank account held by the one merchant. The method for creating a fund transfer statement according to claim 5, further comprising the step of determining that it is the fund transfer statement information of a bank account held by a merchant.   A fund transfer statement creation program for causing a computer to execute the method according to any one of claims 4 to 6.

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