JP5959615B2 - Pooling system and pooling method - Google Patents

Description

  The present invention relates to a pooling system and a pooling method for concentrating and managing funds from other companies in a company group in an account of a supervising company that is a parent account in the company group.

  Conventionally, pooling systems that allow funds to be exchanged within a corporate group are known. The pooling system makes it possible to efficiently manage the funds of the entire corporate group by concentrating the cash flow of each group company in the parent account opened by the supervising company in the financial institution, and interfacing funds within the corporate group. Is.

  For example, in Patent Literature 1, the totaling amount of each account of the participating company is totalized by the totaling means, and the transfer effective means is a shortage transfer instruction from the parent account of the managing company A based on the transfer instruction by the transfer instruction means. The shortage is transferred to the child account of Participating Company B, and the surplus is transferred from the child account of Participating Company C, which is the surplus funds transfer instruction, to the parent account. As a result, a pooling system is disclosed that requests a loan when the parent account balance of the managing company A is red, and conversely requests a surplus when the account balance is black.

  Patent Document 2 discloses a pooling system in which a fund management apparatus acquires an account balance of a group company via a network, and an account management server of each bank transfers funds according to the funds transfer data created by the fund management apparatus. It is disclosed.

JP 2000-029970 A JP 2002-230308 A

  In the pooling systems of Patent Documents 1 and 2, the accounts of all companies participating in pooling are subordinate to the parent account, which is the account of the controlling company, as child accounts. For this reason, when the number of child accounts participating in pooling increases, account information that must be processed at one time by pooling increases, and the burden on the system increases.

  In addition, even if companies belong to the same corporate group, the region, business content, amount of funds handled, etc. vary from company to company, so rules for transferring funds between pooled accounts are established for each company participating in pooling. It may be preferable to adjust the pooling rules. However, in a system that manages all the child accounts with one parent account, if you want to make fine adjustments according to the circumstances of each country or region for each child account, you must set and operate a complicated pooling rule .

  For this reason, there is a need for a pooling system that can perform pooling processing according to the circumstances of each company, even though it is a pooling system in which many companies can participate.

  In view of the above problems, an object of the present invention is to construct a pooling system that can perform pooling processing more flexibly.

In order to solve the above problems, a pooling system of the present invention is a pooling system that transfers funds between accounts of a plurality of companies based on a customer's request, and a customer information registration unit that registers the customer information. And a pooling engine for instructing fund aggregation and fund distribution between the customer accounts based on information registered in the customer information registration means, wherein the customer information registration means participates in pooling at a plurality of overseas bases A company registration unit for registering a company to be registered, an account registration unit for registering an account to be handled by the pooling of the company, an account group registration unit for registering a plurality of account groups consisting of accounts registered in the account registration unit, , and a pooling rule holding unit for holding the pooling rules for each of the account group, to the account group registration unit, one of the By setting the child account of the seat group to the parent account of another of the account group, the plurality of account group is registered a hierarchy across between the overseas offices, said pooling rules, business hours of the overseas bases The pooling rule holding unit transmits the pooling rule to the pooling engine, and pools the account group based on the startup condition. It is made to perform .

  The account group registration unit creates a plurality of account groups from the accounts registered in the account registration unit, and registers one account as a parent account and one other account as a child account in the one account group. Features.

  The pooling rule is characterized in that a priority is set for at least a part of the accounts belonging to the account group, and funds are transferred in order from the account with the highest priority to an account with insufficient funds.

  The pooling rule moves funds proportional to each account balance of accounts belonging to the account group to an account with insufficient funds.

The pooling rule sets a priority for at least a part of the accounts belonging to the account group, and sequentially moves funds from the account with the highest priority to an account with insufficient funds, result of transfer funds by 1 rule, the account is underfunded, first moves the funds in proportion to the account balance after the funds moved by the first rule account belonging to the account group 2 It is characterized by comprising the following rules.

Further, the pooling method of the present invention includes a customer information registration unit for registering customer information, and a pooling for instructing fund aggregation and fund distribution between the customer accounts based on information registered in the customer information registration unit. A pooling system comprising an engine, wherein a company that participates in pooling at a plurality of overseas bases is registered in the customer information registration means, and the customer information registration means includes the pooling of the company A step of registering accounts to be handled, a step of creating and registering a plurality of account groups composed of the registered accounts , and a step of holding pooling rules for each of the account groups. the step of creating and registering the plurality of accounts groups, one child account of account group By setting the parent account of another of the account group, the plurality of account groups to register with layered across between the overseas offices, said pooling rules, business hours of the overseas bases, holidays, and every day Including an activation condition based on the amount of change in the account balance, transmitting the pooling rule to the pooling engine, and causing the pooling of the account group to be executed based on the activation condition .

  According to the present invention, it is possible to construct a pooling system that can perform pooling processing more flexibly.

It is a figure which shows the basic concept of the pooling system which concerns on embodiment. It is a figure which shows the function structure of the pooling system which concerns on embodiment. It is a figure which shows the specific example of the information registered into an account registration part. It is a figure which shows the specific example of the information registered into an account group registration part. It is a figure which shows the process process of the pooling engine which concerns on embodiment. It is a figure which shows the pooling of a zero balance system. It is a figure which shows the pooling of a target balance system. It is a figure which shows net-type pooling. It is a figure which shows a priority system and a balance proportional distribution system. It is a figure which shows the combination of a priority system and a balance proportional distribution system.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

(Basic concept)
FIG. 1 is a diagram showing a basic concept of a pooling system and a pooling method according to an embodiment of the present invention. In the present embodiment, the company A is the controlling company, and the accounts of the companies participating in pooling are divided into a plurality of account groups designated by the customer.

  Each account group has one parent account that aggregates and distributes the funds of the child accounts in the account group. In FIG. 1, the first account group having the a account of the A company as the parent company as the parent account and the bee accounts of the B to E companies at the plurality of bases as child accounts, and the A base (for example, Singapore) The 2nd-4th account group which consists of a certain B, FJ company account is formed. In the present invention, what accounts are grouped as an account group and how many account groups are created can be arbitrarily set based on a request from a customer who makes a pooling contract with a financial institution. It is not limited.

  In the pooling system of the present invention, a parent account of an account group is set and registered as a child account of another account group. For example, in the embodiment shown in FIG. 1, the B account of company B is set as a parent account of the second account group and a child account of the first account group. By setting the b account as a child account of the first account group, the second account group having the b account as a parent account becomes an account group subordinate to the first account group and is hierarchized. In this way, the dependency relationship of the first to fourth account groups hierarchized as shown in FIG. 1 is determined.

  In the pooling system of the present invention, the pooling process is performed in each group. In the pooling of the first account group in FIG. 1, funds are transferred between the a account that is the controlling company and is the parent account of the first account group, and the b to e accounts that are the child accounts of the first account group. . Further, due to pooling of the second account group, funds are transferred between the b account that is the parent account of the second account group and the f and g accounts that are the child accounts of the second account group. Therefore, by performing pooling of the first account group and pooling of the second account group, funds are transferred between the a account and the f and g accounts via the b account.

  In this way, by pooling each group of the first to fourth account groups that are hierarchized, it is possible to aggregate or distribute funds directly or indirectly between the a account and the bj account. It becomes.

  On the other hand, pooling of the first to fourth account groups is performed according to a pooling rule set for each account group. Since the pooling of the first account group targets the a to e accounts belonging to the first account group, information on the f to j accounts is not particularly required. Moreover, the pooling rule of a 1st account group should just consider the rule applied to an ae account. Similarly, for the second to fourth account groups, the pooling process can be adjusted for each account group because the pooling process can be performed only by handling the information of the accounts belonging to the account group.

  As described above, in the pooling system according to the embodiment of the present invention, account groups formed of company accounts participating in pooling are hierarchized, and the same or different pooling rules are set for each account group.

(System configuration)
FIG. 2 shows a system configuration in the embodiment of the present invention. The pooling system in the embodiment includes customer information registration means 1 and a pooling engine 2. The customer information registration unit 1 and the pooling engine 2 may be constructed in one server or may be constructed by connecting a plurality of servers via a network or the like.

  The customer information registration unit 1 includes a company group registration unit 3, a contract information registration unit 4, a pooling rule holding unit 5, a company registration unit 6, an account registration unit 7, and an account group registration unit 8.

  The company group registration unit 3 registers a company group that enters into a pooling service contract with a financial institution as a customer. Information to be registered is information on the corporate group such as the corporate group name and the supervising company name.

  The contract information registration unit 4 registers the contents of the pooling service contract between the company group registered in the company group registration unit 3 and the financial institution. The registered contract information includes a pooling service contract start date and end date, a report distribution method, an interest calculation method, an applicable exchange rate, and the like.

  The pooling rule holding unit 5 registers a pooling rule for each account group when the pooling engine 2 instructs the transfer of funds. As the pooling rule, conditions such as the activation condition of the pooling engine 2, the activation time, the transfer direction of funds between accounts (1Way / 2Way), and the pooling method are registered. The pooling rule holding unit 5 may store not only the above conditions as data but also a logic for executing the pooling rule or a program for executing the logic itself. By doing so, it is possible to flexibly cope with the establishment and change of the pooling rule without correcting the pooling engine.

  Information on companies participating in pooling is registered in the company registration unit 6. In the account registration unit 7, account information handled by the company pooling registered in the company registration unit 6 is registered. As shown in FIG. 3, the account information includes information necessary for linking with the account system 12 such as an account name, account type, and account number, an account group name designated by the customer in the pooling system, and a role in the account group. Information about whether the account is a parent account or a child account is registered. At this time, for example, an account designated to belong to two account groups, such as the b account in FIG. 1, is set as a parent account of one of the account groups. Note that the configuration of the account information in FIG. 3 is merely an example, and other configurations may be used.

  The account group registration unit 8 obtains a list of accounts belonging to the account group based on the specified account group name and the role of parent account or child account of each account registered in the account registration unit 7. Create, set and register parent and child accounts for each account group. At this time, the accounts specified by the customer to belong to two account groups are registered as a parent account in one account group and as a child account in another account group.

  The account group registration unit 8 assigns the pooling rule registered in the pooling rule holding unit 5 to the created account group. A specific example of information registered in the account group registration unit 8 is shown in FIG. Note that the configuration of the account group information in FIG. 4 is merely an example, and other configurations may be used.

  The pooling engine 2 acquires account balance information in accordance with the set pooling rules, and calculates the amount of funds transferred that is the amount of funds that are transferred from the child account to the parent account and the amount of funds that is transferred from the parent account to the child account. , Fund transfer instructions. The pooling engine 2 of the embodiment shown in FIG. 2 has an account balance information acquisition unit 9, a fund transfer amount calculation unit 10, and a fund transfer instruction unit 11. A procedure of processing performed by the pooling engine 2 is shown in FIG.

  When the customer information registration means 1 determines that it is the timing for performing the pooling of the first account group from the activation condition registered as the pooling rule of the first account group in the pooling rule holding unit 5, the customer information registration means 1 pools to the pooling engine 2 (Step S1 in FIG. 5), the pooling engine 2 acquires information on the first pooling rule and the first account group registered in the pooling rule holding unit 5 and the account group registration unit 8 ( Step S2 in FIG.

  The account balance information acquisition unit 9 of the pooling engine 2 determines the account balance information of the accounts belonging to the first account group from the account system 12 via the data linkage system 13 based on the acquired information of the accounts belonging to the first account group. Is acquired (step S3 in FIG. 5).

  The money transfer amount calculation unit 10 calculates the amount of money transferred between the parent account and each child account of the first account group according to the acquired account balance information and the first pooling rule (step S4 in FIG. 5). The calculated funds amount is transmitted from the fund transfer instruction unit 11 to the account system 12 (step S5 in FIG. 5), and the funds transfer of each account of the first account group is executed.

  Similarly, when the customer information registration unit 1 determines from the second pooling rule registered in the pooling rule holding unit 5 that it is the timing for performing the pooling of the second account group, it instructs the pooling engine 2 to start pooling. Then, the information on the second pooling rule and the second account group registered in the pooling rule holding unit 5 and the account group registration unit 8 is sent to the pooling engine 2.

  The account balance information acquisition unit 9 of the pooling engine 2 acquires the account balance information from the account system 12 via the data linkage system 13 based on the acquired account information belonging to the second account group, and calculates the amount of money transfer The unit 10 calculates the amount of funds transferred between the parent account and each child account of the second account group according to the account balance information and the second pooling rule. The calculated amount of funds is transmitted from the fund transfer instruction unit 11 to the account system 12, and the funds transfer is executed.

  When it is time to perform pooling for other account groups, funds are transferred between the parent account and the child account in the same procedure. The pooling engine 2 acquires account balance information for each account group, calculates the funds to be transferred, and instructs the transfer of the funds. For this reason, it is not necessary for the pooling engine 2 to process all the account information participating in the pooling of the company group at the same time, and the load on the pooling engine 2 when many companies participate in the pooling can be reduced. In addition, since it is possible to set various variations of pooling rules for each account group, it is possible to realize a variety of funds transfer according to the circumstances of countries, regions, and customers, and to flexibly cope with changes in pooling rules.

  Since the order of performing pooling can be determined by the activation condition registered in the pooling rule holding unit 5, it is not always necessary to perform the pooling of the first account group. When pooling is performed for a plurality of account groups that are hierarchized on a predetermined day, it is preferable to perform pooling in order from the account group of the lower hierarchy. The account balance of the parent account and the child account changes before and after pooling. If pooling of the upper-level account group is performed after pooling of the lower-level account group is completed, the fund status of the lower-level account group can be more accurately reflected in the higher-level and account group pooling. .

  Also, for example, if you create an account group for each base of the company group and set the start condition of the pooling rule as the end of the financial institution business hours of each base, pooling will be performed in order from the base that became the end of business time, You can get fund management information for each site.

  Furthermore, if an account group is created for each base, it is possible to collectively manage accounts that are closed by financial institutions or companies on holidays or holidays of the base. For example, when not pooling an account that is a holiday, setting a holiday in the pooling rule for each account group is more efficient than setting a holiday for each account.

  In addition, for example, when the fluctuation amount of the daily account balance is smaller than a predetermined ratio in the third and fourth account groups with respect to the first and second account groups in FIG. 1, registration is performed in the pooling rule holding unit 5. Depending on the setting of the activation condition, pooling of the first and second account groups may be performed every day, and pooling of the third and fourth account groups may be performed on the weekend.

(Pooling method setting)
In the embodiment of the present invention, in addition to the activation condition of the pooling engine 2 as a pooling rule, a pooling method may be set for each account group. Here, the pooling method is a method for calculating the amount of funds transferred between the parent account and the child account, and various methods such as a zero balance method, a target balance method, and a net method are conceivable.

  The zero balance method is a method of managing funds in the parent account by concentrating all the balances at the time of measurement, which are the balances of the child accounts before the pooling, as shown in FIG. From the child account C, funds with a positive balance are transferred to the parent account (concentration of funds), and to the child account A whose balance at the time of measurement is insufficient, funds from the parent account are transferred (fund allocation). The landing balance, which is the balance of the child account after performing the pooling, is managed to be zero. If the funds of the entire corporate group are negative, the funds are transferred from the parent account so that the balance of the child account becomes zero. As a result, after the pooling, only the balance of the parent account becomes negative, and the borrowing of the shortage funds of the entire corporate group is collectively managed in the parent account.

  As shown in FIG. 7, the target balance method is a pooling method in which funds are transferred between the parent account and the child account so that the landing balance of the child account becomes the set target balance after performing the pooling. The target balance set in the child account can be set to a different balance for each child account.

  The net method is a method in which pooling is performed only for the shortage of funds when a child account whose balance at the time of measurement is insufficient is generated as shown in FIG. For example, in the 2-way pooling, 50 corresponding to the shortage amount is transferred from the funds of the child account A to the child account B where the balance at the time of measurement of Day 1 is insufficient. The funds 50 transferred to Day 1 are returned from the child account B to the child account A via the parent account on the next day (Day 2). In the net system, 50 funds are transferred to Day 1 and Day 2, respectively.

  On the other hand, when 2-way pooling is performed by the zero balance method, even if the shortage funds of the child account B are 50 as shown in FIG. 8B, 100 funds of Day1 and Day2 move between the parent account and the child account A respectively. To do. The net method cannot concentrate and manage all the surplus funds of the child account in the parent account, but has the advantage that the cost associated with the transfer of funds can be reduced by limiting the amount of funds transferred by pooling to the insufficient funds.

  The net method may be a priority method, a balance proportional distribution method, or a combination of a priority method and a balance proportional distribution method, depending on a method for calculating the amount of funds transferred between accounts.

  The priority method is a net pooling method in which priorities are set for at least some of the accounts, and funds are transferred in order from the account with the highest priority. In the priority method, as shown in FIG. 9A, if there is no account whose balance at the time of measurement is insufficient, funds are not transferred.

  When there is a child account B whose balance at the time of measurement is insufficient, as shown in FIG. 9 (b), the funds after the deficit are transferred from the account (parent account) set to priority 1 and pooled. The shortage of funds in account B will be resolved. At this time, funds are not transferred between the other child account and the parent account. FIG. 9C shows a case where the funds of the child account B are insufficient even if all of the measurement balances are transferred from the priority 1 account (parent account). In this case, all the balance at the time of measurement of the parent account and the funds corresponding to the shortage amount from the child account A set to priority 2 are transferred to the child account B, and the shortage of funds in the child account B is resolved.

  The balance-proportional apportionment system transfers funds in proportion to each account balance. It is the same as the priority method in that funds are not transferred unless there is an account whose balance at the time of measurement is insufficient. As shown in FIG. 9 (d), if the balance at the time of measurement of the child account B is negative before the pooling execution, the total amount of the accounts with a positive balance (in FIG. 9 (d), the balance of the parent account and the child account Pooling to move to the child account B by calculating the ratio of each account balance to the total amount of the balance of A), and multiplying the shortage of funds of the child account B by the ratio of each account calculated It is a method.

  Specifically, in the case of FIG. 9D, the balance of the parent account before execution of pooling is 200, and the balance of the child account A is 50. The ratio of the balance of the parent account is 80% and the ratio of the child account A is 20% with respect to the total amount 250 of the balance of the parent account and the child account A with a positive balance. In the balance-proportional apportioning method, 80, which is 80% multiplied by 80% of the shortage of funds in child account B, is the amount of funds transferred from the parent account, and 20 which is 20% of the amount of funds deficient in child account B multiplied by 20%. The amount of funds transferred from A. In this way, funds proportional to the balance of the account that is positive move from the parent account and the A account to the B account after the pooling is executed, and the shortage of funds in the child account B is resolved.

  It is also possible to use a pooling method that combines a priority method and a balance proportional distribution method. For example, pooling is performed using the priority method as the first rule. When there is a child account whose funds have not been resolved, a pooling rule is set so that pooling is performed by the balance proportional distribution method for the balance of each account after pooling according to the first rule as the second rule. To do. In this case, as shown in FIG. 10A, when the shortage of funds in the child account B is resolved by the transfer of funds from the priority level 1 account (parent account), no other transfer of funds is performed.

  However, for example, as shown in FIG. 10B, when the funds shortage amount of the child account B before the pooling execution is larger than the balance of the account (parent account) for which priority is set, the priority is first set as the first rule. The balance of the parent account of priority 1 is transferred to the child account B by the method. However, since there are no other accounts with priorities set, the priority method pooling ends with the child account B running out of funds.

  Then, the funds are transferred by the balance-proportional proportional pooling following the priority pooling. In the example of FIG. 10B, since priority is not set for the child accounts A and C (no priority), it is not a target of the priority method. Even if the funds of the parent account (priority 1) are transferred using the priority method, the child account B has 100 funds, so the second rule is the balance after proportional pooling using the balance proportional distribution method. The total amount of the child account A and the child account C is calculated, and the ratio of the balance of the child account A and the child account C to the total amount 200 is calculated as 75% and 25%, respectively. Then, 75% of the shortage amount 100 of the child account B is transferred from the child account A, and 25% is moved from the child account C to the child account B, thereby eliminating the shortage of funds in the child account B.

  In the embodiment of the present invention, since any method such as a zero balance method, a target balance method, and a net method can be adopted for the pooling rule for each account group, it is possible to set a detailed fund management. It is also possible to have a system in which a plurality of pooling methods are held in the pooling rule holding unit 5 and a pooling method to be implemented is selected and switched according to conditions. For example, the pooling rule holding unit 5 can be used to switch the pooling method to be executed for each condition on the condition such as the beginning of the term, the end of the term, the funds balance of the entire corporate group, and the like.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the description of the scope of claims that embodiments with such changes or improvements can also be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Customer information registration means 2 Pooling engine 3 Company group registration part 4 Contract information registration part 5 Pooling rule holding part 6 Company registration part 7 Account registration part 8 Account group registration part 9 Account balance information acquisition part 10 Fund transfer amount calculation part 11 Fund Movement instruction part 12 Account system 13 Data linkage system

Claims (6)

A pooling system that transfers funds between accounts of multiple companies based on customer requirements,
A customer information registration means for registering the customer information; and a pooling engine for instructing fund aggregation and fund distribution between the customer accounts based on the information registered in the customer information registration means,
The customer information registration means includes a company registration unit for registering companies participating in pooling at a plurality of overseas bases, an account registration unit for registering accounts handled by the company pooling, and an account registered in the account registration unit. An account group registration unit for registering a plurality of account groups, and a pooling rule holding unit for holding a pooling rule for each account group ,
In the account group registration unit, by setting a child account of one of the account groups as a parent account of the other account group, the plurality of account groups are layered and registered across the overseas bases ,
The pooling rule includes an activation condition based on the amount of change in business hours, holidays, and daily account balance of the overseas base,
The pooling rule holding unit transmits the pooling rule to the pooling engine, and executes pooling of the account group based on the activation condition .   The account group registration unit creates a plurality of account groups from the accounts registered in the account registration unit, and registers one account as a parent account and one other account as a child account in the one account group. The pooling system according to claim 1, characterized in that: 2. The pooling rule sets priority for at least a part of accounts belonging to the account group, and moves funds from an account with higher priority to an account with insufficient funds in order. Or the pooling system according to 2 ; The pooling rules, pooling system according to any one of claims 1 to 3, characterized in that the funds in proportion to the account balance of the account belonging to the account group is moved to the account is underfunded . The pooling rule sets a priority for at least a part of the accounts belonging to the account group, and sequentially transfers funds from the account with the highest priority to an account with insufficient funds,
Result of fund transfer by the first rule, the account is underfunded, move the funds in proportion to the account balance after the funds moved by the first rule account belonging to the account group The pooling system according to any one of claims 1 to 4 , characterized by comprising a second rule. Pooling by a pooling system comprising customer information registration means for registering customer information, and a pooling engine for instructing fund aggregation and fund distribution between the customer accounts based on information registered in the customer information registration means A method of performing
A step of registering companies participating in pooling at a plurality of overseas bases in the customer information registration means;
An account to be handled by the pooling of the company is registered in the customer information registration means;
The customer information registration means includes creating and registering a plurality of account groups including the registered accounts, and maintaining a pooling rule for each account group;
The step of creating and registering the plurality of account groups sets the plurality of account groups across the overseas bases by setting a child account of one of the account groups as a parent account of the other account group. Create a hierarchy and register
The pooling rule includes an activation condition based on the amount of change in business hours, holidays, and daily account balance of the overseas base,
A pooling method, wherein the pooling rule is transmitted to the pooling engine, and pooling of the account group is executed based on the activation condition .

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