JP6884806B2 - Pooling processing system, pooling processing method and pooling processing program - Google Patents

Description

The present invention relates to a pooling processing system, a pooling processing method, and a pooling processing program for transferring funds between accounts to be pooled.

Conventionally, a pooling system for transferring funds between group companies has been known. By pooling, the funds of each group company are concentrated in the master account (pooling account) opened at the correspondent bank. This makes it possible to exchange funds among group companies. A technique for efficiently and accurately performing this pooling has been studied (see, for example, Patent Document 1). In this technology, the control unit of the pooling management system uses the condition information storage unit to acquire the fund transfer reference date for transferring funds between the parent account and the child account for pooling, and the base information storage unit. Is used to identify the time difference information between the child base where the child account is opened and the parent base where the parent account is opened. Next, using the time difference information, the date relationship between the child account posting date for recording the fund transfer of the child account and the parent account posting date for recording the fund transfer of the parent account is specified. Then, based on the business day of the child base and the business day of the parent base recorded in the holiday information storage unit, the child account posting date and the parent account posting date on which funds can be transferred are determined based on the fund transfer reference date and the date relationship. , Register in the scheduled date information storage section.

Japanese Patent No. 6431228

When a withdrawal request was made to a child account, if there was no balance corresponding to the withdrawal request, it would be impossible to trade and smooth transactions would be difficult.

The pooling processing system that solves the above problems includes a scheme information storage unit that records scheme information about the parent account and child accounts to be pooled, the target balance, and a control unit that executes pooling, which are opened in the account processing unit. Be prepared. Then, when the control unit acquires a withdrawal request for the child account in the account processing unit and the child account becomes insufficient in balance based on the withdrawal request, the account processing unit sends the withdrawal request. , Acquire the shortfall amount, specify the parent account and target balance recorded in the scheme information storage unit, and make the account balance of the child account after withdrawal of the withdrawal request the compensation amount to be the target balance. Is executed from the parent account to the child account in the scheme information, and the account processing unit executes the withdrawal process for the withdrawal request after the compensation process.

According to the present invention, pooling can be performed efficiently and accurately.

The explanatory view of the pooling processing system of this embodiment. The explanatory view of the hardware configuration of this embodiment. The explanatory view of the processing procedure of this embodiment. The explanatory view of the processing procedure of this embodiment. Explanatory drawing of the processing procedure of another embodiment. Explanatory drawing of the processing procedure of another embodiment. Explanatory drawing of the processing procedure of another embodiment.

An embodiment in which the pooling processing system, the pooling processing method, and the pooling processing program are embodied will be described with reference to FIGS. 1 to 4.
As shown in FIG. 1, in the present embodiment, the accounting system 10 and the pooling management system 20 as the accounting unit are used in the pooling between the parent account and the child account. Then, "real-time pooling" is performed between the parent account and the child account managed by the core banking system 10 according to the balance fluctuation of the child account.

(Hardware configuration)
The hardware configuration of the information processing apparatus H10 constituting each system (10, 20) will be described with reference to FIG. The information processing device H10 includes a communication device H11, an input device H12, a display device H13, a storage unit H14, and a processor H15. This hardware configuration is an example, and can be realized by other hardware.

The communication device H11 is an interface that establishes a communication path with another device and executes data transmission / reception, such as a network interface card or a wireless interface.

The input device H12 is a device that receives input from a user or the like, and is, for example, a mouse, a keyboard, or the like. The display device H13 is a display or the like that displays various information.
The storage unit H14 is a storage device that stores data and various programs for executing various functions of each system (10, 20). An example of the storage unit H14 is a ROM, a RAM, a hard disk, or the like.

The processor H15 controls each process in each system (10, 20) by using a program or data stored in the storage unit H14. Examples of the processor H15 include a CPU, an MPU, and the like. The processor H15 expands a program stored in a ROM or the like into a RAM and executes various processes for each service.

The processor H15 is not limited to the one that performs software processing for all the processing executed by itself. For example, the processor H15 may include a dedicated hardware circuit (for example, an integrated circuit for a specific application: ASIC) that performs hardware processing for at least a part of the processing executed by the processor H15. That is, the processor H15 is (1) one or more processors that operate according to a computer program (software), (2) one or more dedicated hardware circuits that execute at least a part of various processes, or ( 3) It can be configured as a circuitry including a combination thereof. The processor includes a CPU and a memory such as a RAM and a ROM, and the memory stores a program code or an instruction configured to cause the CPU to execute a process. Memory or computer-readable media includes any available medium accessible by a general purpose or dedicated computer.

(System configuration)
Next, the functions of each system (10, 20) will be described with reference to FIG. In this embodiment, pooling is performed using accounts opened at bases (main branch offices) of a plurality of financial institutions. In this case, overseas bases may be included. Further, not only the account of the own bank but also the accounts of other banks may be included in the pooling. Then, based on the balance of the grouped child accounts (pooling target accounts), the funds are transferred (for example, fund concentration and fund allocation by zero balance or target balance) so that the balance of the child accounts becomes the target value. ..

The core banking system 10 is a computer system that manages accounts opened at each base of a financial institution. The accounting system 10 is connected to the Society for Worldwide Interbank Financial Telecommunication (SWIFT) system, and the settlement of funds and the like is performed via the SWIFT system. The core banking system 10 includes a control unit 11, an account ledger storage unit 12, and a monitored information storage unit 13.

The control unit 11 manages the accounts opened at each base. Then, the control unit 11 performs a process described later (a process including account management of each account, account monitoring, and the like). By executing the application program for this purpose, the control unit 11 functions as the account management unit 111 and the account monitoring unit 112.

The account management unit 111 executes a process of managing the accounts opened at each base.
The account monitoring unit 112 executes a process of monitoring the status of the child account to be pooled.

The account ledger storage unit 12 records account management information regarding accounts opened at each base. This account management information is registered when an account is opened. Information on the account identifier, balance, and deposit / withdrawal history is recorded in the account management information.

In the account identifier information, information on an identifier for identifying each account (for example, financial institution code, head office code, deposit type, account number, etc.) is recorded.
The balance information records information about the amount of funds remaining in this account.
In the deposit / withdrawal history information, information regarding the transaction history regarding deposits to and withdrawals from this account is recorded.

The monitoring target information storage unit 13 records the monitoring target information regarding the account to which the account balance is transmitted. This monitored information is recorded when a child account that sends the account balance is registered. The monitoring target information includes information on the target account and transmission conditions.

In the target account information, information regarding an identifier for identifying an account for transmitting the account balance to the pooling management system 20 is recorded.

In the transmission condition information, information regarding conditions for transmitting information regarding the balance to the pooling management system 20 is recorded. For example, as transmission conditions, "when there is a balance fluctuation not caused by pooling", "when there is a balance of a predetermined amount or more", "when the balance becomes insufficient due to withdrawal", and the like can be set. Information on the pooling condition (target balance) for pooling may be recorded in the monitored information storage unit 13. In this case, the pooling condition can be used as the transmission condition.

The pooling management system 20 is a computer system that manages pooling. The pooling management system 20 includes a control unit 21, a scheme information storage unit 22, an account information storage unit 23, a holiday information storage unit 24, and a movement schedule information storage unit 25.

The control unit 21 performs pooling based on the account balance of the child account. Then, the control unit 21 performs a process (a process including balance information acquisition, pooling management, instruction, etc.) described later. By executing the pooling processing program for this purpose, the control unit 21 functions as a balance information acquisition unit 211, a pooling management unit 212, and an instruction unit 213.

The balance information acquisition unit 211 executes a process of acquiring the balance information of the child account to be pooled from the accounting system 10.
The pooling management unit 212 executes a process of calculating the amount of money transfer by the balance calculation based on the balance of the child account.
The instruction unit 213 executes a process of giving a remittance instruction based on the result of the balance calculation.

The scheme information storage unit 22 records scheme information regarding fund transfer conditions. This scheme information is recorded when a group (scheme) of pooling accounts is registered. The scheme information includes information on the structure, target balance, real-time pooling execution classification, compensation use classification, fund transfer reference date, and execution timing.

In the structural information, information relating to the parent account and the child account is recorded. This structural information is configured by associating identifiers for identifying each account of the parent account and the child account with each other.
In the target balance information, information on the target balance and the method of transferring funds is recorded. The target balance is information that identifies the amount of money that should be left in the child account by the fund transfer process. The fund transfer method is information that identifies a balance management method. In this embodiment, a fund concentration type, a fund allocation type, and a fund adjustment type are used as the fund transfer method. In the fund concentration type, when the balance of the child account exceeds the target balance, the difference in the balance is transferred from the child account to the parent account. In the fund allocation type, when the balance of the child account is less than the target balance, the difference in the balance is transferred from the parent account to the child account. The fund adjustment type is a fund transfer method that combines a fund concentration type and a fund allocation type, and transfers funds so that the balance of the child account becomes the target balance.

In the real-time pooling execution classification information, information for determining the necessity of executing the real-time pooling process described later is recorded.
In the compensation usage classification information, information for determining the necessity of compensation to the child account is recorded when the balance becomes insufficient in the child account. For example, if the overdraft limit is not set during the day in the child account, compensation use is set.

The fund transfer reference date information is a predetermined date as the date on which the fund transfer is executed, and information on the date set by the user for each scheme is recorded. On the fund transfer reference date, the scheduled fund transfer date is finally determined based on the holiday information.
In the execution timing information, information for specifying the time when the funds are transferred is recorded. In the present embodiment, pooling executed at a predetermined timing (timing) is referred to as "scheduled pooling".

The account information storage unit 23 records information on the BIC code, head office code, account type, account number, etc. of each account for the account identifier in the structural information. Based on this BIC code, you can identify your own bank or another bank.

The holiday information storage unit 24 records holiday information including holiday calendar information for each base of each account.
In the transfer schedule information storage unit 25, the pooling schedule date determined based on the fund transfer reference date information of the scheme information storage unit 22 and the holiday information of the holiday information storage unit 24 for each scheme including each pooling account. Information about is recorded. According to this scheduled date, the pooling management system 20 performs scheduled pooling.

(Real-time pooling process)
The real-time pooling process will be described with reference to FIG. This real-time pooling process includes a monitoring process and a fund transfer management process.
First, the monitoring process for monitoring the balance of the child account will be described.
Here, the control unit 11 of the core banking system 10 executes the balance fluctuation confirmation process (step S1-1). Specifically, the account monitoring unit 112 of the control unit 11 monitors the account balance recorded in the monitoring target information storage unit 13. In this monitoring, fluctuations in the account balance of the monitored account are detected.

When a change in the account balance of the monitored account is detected, the control unit 11 of the core banking system 10 executes a determination process as to whether or not it is necessary to transmit the balance information (step S1-2). Specifically, the account monitoring unit 112 of the control unit 11 confirms whether or not the fluctuation of the account balance is caused by pooling. For example, if an identifier indicating pooling is recorded in the remittance request that caused the fluctuation of the account balance, it is determined that the cause is pooling. If it is determined that the cause is pooling, it is determined that it is not necessary to send the balance information. On the other hand, when it is determined that the cause is not due to pooling, the transmission condition associated with the account identifier of the account whose balance has changed is acquired from the monitored information storage unit 13. Then, when the balance fluctuation corresponds to the transmission condition, it is determined that the transmission of the account information is necessary.

When it is determined that the balance fluctuation does not correspond to the transmission condition and the transmission of the balance information is unnecessary (when "NO" in step S1-2), the control unit 11 of the accounting system system 10 performs the balance fluctuation confirmation process (step S1). Return to -1).

On the other hand, when it is determined that the balance information needs to be transmitted (when "YES" in step S1-2), the control unit 11 of the accounting system 10 executes the balance information transmission process (step S1-3). Specifically, the account monitoring unit 112 of the control unit 11 transmits balance information to the pooling management system 20. This balance information includes account information of an account whose balance has fluctuated and information on the account balance.

Then, after executing the balance information transmission process (step S1-3), the control unit 11 of the accounting system 10 returns to the balance change confirmation process (step S1-1).

Next, the fund transfer management process for managing the fund transfer in pooling will be described.
The control unit 21 of the pooling management system 20 that has received the balance information executes the process of specifying the scheme information (step S1-4). Specifically, the balance information acquisition unit 211 of the control unit 21 receives the balance information transmitted by the accounting system 10. Next, the pooling management unit 212 uses the account information storage unit 23 to specify the account identifier corresponding to the account information of the child account included in the balance information. Then, the pooling management unit 212 acquires the target balance information of the scheme information from the scheme information storage unit 22 by using the specified account identifier.

Next, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not the transfer of funds is necessary (step S1-5). Specifically, the pooling management unit 212 of the control unit 21 determines whether or not the transfer of funds is necessary based on the acquired account balance and the target balance information. For example, in the fund concentration type, when the balance of the child account exceeds the target balance, or in the fund allocation type, when the balance of the child account is less than the target balance, it is determined that the fund transfer is necessary.

When it is determined that the fund transfer is not necessary (when "NO" in step S1-5), the control unit 21 of the pooling management system 20 ends the fund transfer management process.
On the other hand, when it is determined that the transfer of funds is necessary (when "YES" in step S1-5), the control unit 21 of the pooling management system 20 executes the drafting process according to the balance information (step S1-6). .. Specifically, the instruction unit 213 of the control unit 21 issues a vote for either the transfer of funds from the child account to the parent account or the transfer of funds from the child account to the parent account based on the acquired balance information. .. For example, in the fund-concentrated type, a draft is made to transfer the surplus amount in which the balance of the child account exceeds the target balance to the parent account. Further, in the fund allocation type, a draft is made to transfer funds to the child account for the shortage amount in which the balance of the child account is less than the target balance. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10. This fund transfer instruction includes a pooling identifier indicating that it is pooling.

The control unit 11 of the accounting system 10 that has received the fund transfer instruction executes a determination process as to whether or not the funds are concentrated (step S1-7). Specifically, the account management unit 111 of the control unit 11 performs either remittance from the child account to the parent account or remittance from the child account to the parent account based on the fund transfer instruction acquired from the pooling management system 20. Identify.

When it is an instruction to transfer funds from the child account to the parent account and it is determined that the funds are concentrated (when "YES" in step S1-7), the control unit 11 of the accounting system 10 determines the funds from the child account to the parent account. The move process is executed (step S1-8). Specifically, the account management unit 111 of the control unit 11 uses the account ledger storage unit 12 to transfer funds from the child account to the parent account according to the amount of the fund transfer instruction.

On the other hand, if it is an instruction to transfer funds from the parent account to the child account and it is determined that the funds are to be distributed (in the case of "NO" in steps S1-7), the control unit 11 of the accounting system 10 moves from the parent account to the child account. (Step S1-9). Specifically, the account management unit 111 of the control unit 11 uses the account ledger storage unit 12 to transfer the amount of the fund transfer instruction from the parent account to the child account.

Then, the control unit 11 of the accounting system 10 responds to the fund transfer instruction including the pooling identifier, and receives the fund transfer process from the child account to the parent account (step S1-8) or the fund transfer process from the parent account to the child account. When (Step S1-9) is executed, the processing result message of the fund transfer process is transmitted to the pooling management system 20 to end the fund transfer management process.

(Processing for withdrawal requests)
The withdrawal request handling process will be described with reference to FIG. This process is executed when a withdrawal request from a child account is detected.

First, the control unit 11 of the accounting system 10 executes the detection process of the withdrawal request from the child account (step S2-1). Specifically, the account monitoring unit 112 of the control unit 11 confirms the withdrawal request for the child account recorded in the monitoring target information storage unit 13. The payment request is handled by the real-time pooling process shown in FIG.

When the withdrawal request for the child account is detected, the control unit 11 of the accounting system 10 executes a determination process as to whether or not the balance is insufficient for the withdrawal request (step S2-2). Specifically, the account monitoring unit 112 of the control unit 11 confirms whether the current account balance is higher than the requested amount of the withdrawal request. When the account balance is lower than the requested amount, the account monitoring unit 112 acquires the transmission condition recorded in the monitored information storage unit 13. Here, when "when the balance becomes insufficient due to withdrawal" is set in the transmission condition, it is determined that the balance information needs to be transmitted.

When it is determined that the balance is insufficient for the withdrawal request (when "YES" in step S2-2), the control unit 11 of the accounting system system 10 executes the transmission processing of the balance shortage information (step S2-3). .. Specifically, the account monitoring unit 112 of the control unit 11 suspends the withdrawal process corresponding to the withdrawal request. Next, the account monitoring unit 112 transmits the balance shortage information to the pooling management system 20. This balance shortage information includes information on the account information of the child account whose balance is insufficient, the request amount of the withdrawal request, and the account balance.

The control unit 21 of the pooling management system 20 that has received the balance shortage information executes a determination process as to whether or not there is a compensation use setting (step S2-4). Specifically, the balance information acquisition unit 211 of the control unit 21 acquires the balance shortage information from the accounting system 10. Then, the pooling management unit 212 identifies the account identifier corresponding to the account information of the child account included in the balance shortage information. Then, the pooling management unit 212 acquires the supplementary use classification information of the scheme information in which the account identifier of the child account included in the balance shortage information is recorded from the scheme information storage unit 22 by using the specified account identifier.

When it is determined that the compensation use is not set (when "NO" in step S2-4), the control unit 21 of the pooling management system 20 ends the withdrawal request handling process.
On the other hand, when it is determined that the compensation use is set (when "YES" in step S2-4), the control unit 21 of the pooling management system 20 executes the payment instruction processing for the shortage (step S2-5). ). Specifically, the instruction unit 213 of the control unit 21 identifies the parent account by using the configuration information of the scheme information recorded in the scheme information storage unit 22. Further, the instruction unit 213 specifies the target balance by using the target balance information of the scheme information, and calculates the compensation amount for making the target balance after the withdrawal of the requested amount. Then, the instruction unit 213 compensates for the insufficient balance for the withdrawal request from the parent account to the child account, and issues a draft regarding the transfer of the compensation amount to make the account balance after withdrawal the target balance. .. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10.

The control unit 11 of the accounting system 10 that has received the fund transfer instruction executes the shortage compensation process (step S2-6). Specifically, the account management unit 111 of the control unit 11 remits the compensation amount included in the fund transfer instruction from the parent account to the child account.

Next, the control unit 11 of the accounting system 10 executes the withdrawal process based on the withdrawal request (step S2-7). Specifically, the account management unit 111 of the control unit 11 makes a withdrawal corresponding to the requested amount of the withdrawal request from the child account. If it is determined that the balance is not insufficient for the withdrawal request (when "NO" in step S2-2), the control unit 11 of the accounting system system 10 skips steps S2-3 to S2-6. , Execute the withdrawal process based on the withdrawal request (step S2-7).
Then, when the balance of the child account fluctuates, the control unit 11 of the core banking system 10 executes the real-time pooling process shown in FIG.

As described above, according to the present embodiment, the following effects can be obtained.
(1) In the present embodiment, the control unit 11 of the core banking system 10 executes the balance fluctuation confirmation process (step S1-1). When it is determined that the balance information needs to be transmitted (when "YES" in step S1-2), the control unit 11 of the accounting system 10 executes the balance information transmission process (step S1-3). As a result, the pooling management system 20 can grasp the balance status of the child account.

(2) In the present embodiment, the control unit 11 of the core banking system 10 returns to the balance fluctuation confirmation process (step S1-1) after executing the balance information transmission process (step S1-3). As a result, fluctuations in the account balance of the child account can be constantly monitored.

(3) In the present embodiment, the control unit 21 of the pooling management system 20 that has received the balance information executes the specific processing of the scheme information (step S1-4). Then, when it is determined that the transfer of funds is necessary (when "YES" in step S1-5), the control unit 21 of the pooling management system 20 executes the drafting process according to the balance information (step S1-6). .. As a result, pooling can be performed promptly according to changes in the balance of the child account.

(4) In the present embodiment, the control unit 11 of the core banking system 10 detects a withdrawal request from a child account (step S2-1) and determines whether or not the balance is insufficient for the withdrawal request (step S2-1). Step S2-2) is executed. Then, when it is determined that the balance is insufficient for the withdrawal request (when “YES” in step S2-2), the control unit 11 of the accounting system system 10 executes the transmission process of the balance shortage information (step S2-). 3). As a result, the pooling management system 20 can grasp the insufficient balance in the child account.

(5) In the present embodiment, the control unit 21 of the pooling management system 20 that has received the balance shortage information executes a determination process as to whether or not there is a compensation use setting (step S2-4). As a result, in the pooling management system 20, it is possible to deal with the balance shortage by using the overdraft allowance during the day or by depositing the shortage by using the compensation usage classification information.

(6) In the present embodiment, when it is determined that the compensation use is set (when “YES” in step S2-4), the control unit 21 of the pooling management system 20 executes the payment instruction processing for the shortage. (Step S2-5). As a result, when the balance becomes insufficient due to withdrawal, the compensation amount corresponding to the insufficient balance can be deposited in advance in the child account. Furthermore, depending on the compensation amount, the account balance of the child account after withdrawal can be set as the target balance.

(7) In the present embodiment, the control unit 11 of the accounting system 10 that has received the fund transfer instruction receives the shortage compensation process (step S2-6) and the withdrawal process based on the withdrawal request (step S2-7). To execute. As a result, it is possible to suppress the occurrence of inability to withdraw due to insufficient balance in the child account.

This embodiment can be modified and implemented as follows. The present embodiment and the following modified examples can be implemented in combination with each other within a technically consistent range.
-In the above embodiment, in the withdrawal request handling process, it is determined whether or not the balance shortage information needs to be transmitted based on the transmission conditions recorded in the monitored information storage unit 13. Instead of this, it may be determined whether or not it is necessary to send the balance shortage information according to the usage status of the overdraft facility during the day in the child account.

In this case, the account ledger storage unit 12 records the upper limit amount and the usage amount of the overdraft limit during the day.
With reference to FIG. 5, a withdrawal request handling process for determining whether or not to send balance shortage information according to the usage status of the daytime overdraft limit in the child account will be described.
First, the control unit 11 of the accounting system 10 detects the withdrawal request from the child account (step S3-1) and whether the balance is insufficient for the withdrawal request, as in steps S2-1 and S2-2. (Step S3-2) is executed.

When it is determined that the balance is insufficient for the withdrawal request (when "YES" in step S3-2), the control unit 11 of the accounting system 10 executes a determination process as to whether or not the balance is insufficient even when using the overdraft facility. (Step S3-3). Specifically, the account monitoring unit 112 of the control unit 11 confirms the account management information recorded in the account ledger storage unit 12, and confirms whether or not the daytime overdraft limit is set for this child account. If a daytime overdraft limit is set, the available amount is calculated by subtracting the usage amount from the maximum amount. Then, when the amount of the withdrawal request is less than the available amount, it is determined that the balance is not insufficient by using the overdraft limit. On the other hand, if the overdraft limit is not set during the day, or if the amount of the withdrawal request exceeds the available amount, it is judged that the balance is insufficient even if the overdraft limit is used.

If it is determined that the balance is insufficient even when the overdraft facility is used (when “YES” in step S3-3), the control unit 11 of the accounting system system 10 executes the transmission process of the balance shortage information as in step S2-3. (Step S3-4).

The control unit 21 of the pooling management system 20 that has received the balance shortage information executes the shortage payment instruction process in the same manner as in step S2-5 (step S3-5).
Then, the control unit 11 of the accounting system 10 that has received the fund transfer instruction executes the shortage compensation process in the same manner as in step S2-6 (step S3-6).

Next, the control unit 11 of the accounting system 10 executes the withdrawal process for the withdrawal request in the same manner as in step S2-7 (step S3-7). If it is determined that the balance is not insufficient for the withdrawal request, or if it is determined that the balance is not insufficient due to the use of the overdraft facility (when "NO" in steps S3-2 and S3-3), the accounting system 10 The control unit 11 executes the withdrawal process for the withdrawal request (step S3-7). If the overdraft facility is used during the day, the balance of the child account will be covered by the normal overdraft process.

Thereby, in the core banking system 10, it is possible to determine whether or not it is necessary to transmit the balance shortage information according to the usage status of the overdraft facility during the day. In this way, if there is an overdraft limit during the day, the balance of the child account will be negative (red balance), but it can be returned to the target balance by regular pooling.

-In the above embodiment, the scheme information of the scheme information storage unit 22 records the structural information associated with the parent account and the child account. Here, it is also possible to set the association of the parent account-child account in a plurality of layers such as parent account-child account-grandchild account. In this plurality of layers, pooling of different schemes (for example, real-time pooling process and scheduled pooling process) can be used together in one account.

With reference to FIG. 6, a pooling combined processing in the case where a plurality of pooling (for example, regular pooling and real-time pooling) are used in combination will be described.
First, the control unit 21 of the pooling management system 20 executes the pooling execution start process (step S4-1). Specifically, the pooling management unit 212 of the control unit 21 uses the execution timing recorded in the scheme information storage unit 22 and the scheduled pooling date recorded in the movement schedule information storage unit 25 to execute the pooling execution time (for example,). Specify when to perform scheduled pooling). Then, when it is determined that the pooling execution time has arrived, the pooling management unit 212 starts scheduled pooling.

Next, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not the funds for the preceding pooling are being transferred (step S4-2). Specifically, the pooling management unit 212 of the control unit 21 confirms other pooling statuses for this account. Here, it is confirmed whether or not the funds are being transferred in the preceding pooling (for example, real-time pooling).

When it is determined that the funds for the preceding pooling are being transferred (when “YES” in step S4-2), the control unit 21 of the pooling management system 20 executes the hold processing for the subsequent pooling (step S4-3). Specifically, the pooling management unit 212 of the control unit 21 suspends the execution of the subsequent pooling (here, the scheduled pooling) when the pooling execution time has come.

Then, the control unit 21 of the pooling management system 20 executes a waiting process for the end of the fund transfer of the preceding pooling (step S4-4). Specifically, the pooling management unit 212 of the control unit 21 waits until the transfer of funds for the preceding pooling (real-time pooling) is completed. Here, for example, the pooling management unit 212 waits for the processing result message of the fund transfer in the accounting system 10.
When it is determined that the transfer of funds for the preceding pooling is completed, the control unit 21 of the pooling management system 20 executes the pooling execution process (step S4-5). Specifically, the pooling management unit 212 of the control unit 21 executes the pending subsequent pooling (here, scheduled pooling).

On the other hand, when it is determined that the funds for the preceding pooling are not being transferred (when “NO” in step S4-2), the control unit 21 of the pooling management system 20 holds the subsequent pooling (step S4-3) and the preceding pooling. The waiting process (step S4-4) for the end of the fund transfer is skipped, and the pooling execution process (step S4-5) is executed.
As a result, it is possible to perform pooling of a plurality of layers by using a plurality of pooling processes in combination for one account.

In the above, the control unit 21 of the pooling management system 20 has executed the pooling combined processing. This pooling combined processing may be executed in the control unit 11 of the core banking system 10. In this case, in the pooling execution start process (step S4-1), the control unit 11 of the accounting system system 10 receives, for example, an instruction to transmit balance information in the scheduled pooling from the pooling management system 20 or an instruction to transfer funds. The reception is used to determine the start of pooling execution. Then, the account monitoring unit 112 confirms whether or not the funds are being transferred in another pooling (for example, real-time pooling) (step S4-2). When it is determined that the funds for the preceding pooling are being transferred (when “YES” in step S4-2), the account monitoring unit 112 suspends the execution of the subsequent pooling (here, the scheduled pooling) when the pooling execution time has come. When the transfer of funds for the preceding pooling is completed, the account monitoring unit 112 of the control unit 11 executes the pending subsequent pooling (here, scheduled pooling) (step S4-5).

Further, in the above, real-time pooling is used as the preceding pooling and scheduled pooling is used as the succeeding pooling, but the combination of pooling is not limited to these. Regular pooling may be used as the preceding pooling, real-time pooling may be used as the succeeding pooling, or the same type of pooling may be used. In this case as well, the transfer of funds for the subsequent pooling is suspended until the preceding pooling is completed.

-In the above embodiment, the balance fluctuation confirmation process is executed in the real-time pooling process (step S1-1). Here, in the balance fluctuation confirmation process, the balance fluctuation of the child account is detected and the subsequent processing is executed. Instead of this, the balance of the child account may be confirmed at predetermined confirmation time intervals. In this case, at the end of the real-time pooling process, the balance of the child account is recorded in the monitored information storage unit 13. When the subsequent real-time pooling process is executed, the current balance of the child account (current balance) is compared with the balance recorded in the monitored information storage unit 13 (previous balance). If the previous balance and the current balance are different, it is judged that the balance of the child account has changed. Then, the fund transfer by the real-time pooling process is executed, and the monitored information storage unit 13 is updated according to the balance after the fund transfer. As a result, even if there are a plurality of balance fluctuations within a predetermined time interval, the balance information summarizing the plurality of fluctuations can be transmitted. The target balance may be recorded in the monitored information storage unit 13 and the target balance may be compared with the current balance to determine whether or not the balance information needs to be transmitted.

-In the above embodiment, in the real-time pooling process, the control unit 11 of the core banking system 10 executes the balance fluctuation confirmation process (step S1-1). Instead of this, the balance of the child account may be confirmed based on the instruction from the pooling management system 20. In this case, the scheme information storage unit 22 stores information regarding a time interval (reference time) for periodically checking the balance of the child account.

The real-time pooling process will be described with reference to FIG. 7.
First, the control unit 21 of the pooling management system 20 executes a standby process for confirmation timing (step S5-1). Specifically, the balance information acquisition unit 211 of the control unit 21 measures the elapsed time from the time of confirming the preceding account balance, and waits for the passage of the reference time.

After the lapse of the reference time, the control unit 21 of the pooling management system 20 executes the fluctuation confirmation request process (step S5-2). Specifically, the balance information acquisition unit 211 of the control unit 21 transmits a balance confirmation request to the accounting system 10. This balance confirmation request includes information about the account identifier of the child account.

The control unit 11 of the accounting system 10 that has received the balance confirmation request executes the balance fluctuation confirmation process (step S5-3). Specifically, the account monitoring unit 112 of the control unit 11 acquires the account balance of the child account from the account ledger storage unit 12.

Next, the control unit 11 of the accounting system 10 executes the balance information transmission process in the same manner as in steps S1-3 (step S5-4).

The control unit 21 of the pooling management system 20 that has received the balance information specifies the scheme information (step S5-5) and determines whether or not the transfer of funds is necessary, as in steps S1-4 to S1-6. Step S5-6), the drafting process (step S5-7) is executed according to the balance information.

Next, the control unit 21 of the pooling management system 20 executes a waiting process for the end of pooling (step S5-8). Specifically, the balance information acquisition unit 211 of the control unit 21 waits until the transfer of funds in the accounting system 10 is completed. Here, a wait is performed for a time (for example, 30 seconds) in which the real-time pooling fund transfer is expected to be completed. Then, after the transfer of funds is completed, the control unit 21 of the pooling management system 20 returns to the standby process (step S5-1) of the confirmation timing.

The control unit 11 of the core banking system 10 that has received the fund transfer instruction receives the fund transfer instruction from the child account to the parent according to the determination process (step S5-9) as to whether or not the funds are concentrated, as in steps S1-7 to S1-9. The fund transfer process to the account (step S5-10) and the fund transfer process from the parent account to the child account (step S5-11) are executed.
Thereby, the pooling management system 20 can control the start of the monitoring process in the real-time pooling.

-In the above embodiment, the control unit 21 of the pooling management system 20 that has received the balance shortage information executes a determination process as to whether or not there is a compensation use setting (step S2-4). Here, the control unit 11 of the core banking system 10 may confirm whether or not the child account is using the overdraft facility during the day and determine the necessity of the compensation function.

In the above embodiment, after the balance information transmission process (step S1-3) is executed, the control unit 11 of the accounting system 10 returns to the balance fluctuation confirmation process (step S1-1). Here, the core banking system 10 may restart the balance fluctuation confirmation process (step S1-1) in response to an instruction from the pooling management system 20. In this case, the control unit 21 of the pooling management system 20 acquires the processing result telegram of the fund transfer processing in the pooling from the accounting system 10, and performs the balance fluctuation confirmation processing (step S1-1) for the accounting system 10. Send a resume instruction.
Further, the control unit 11 of the core banking system 10 may restart the balance fluctuation confirmation process (step S1-1) after a lapse of a predetermined time from the balance information transmission process (step S1-3).

-In the above embodiment, the accounting system 10 (account processing unit) and the pooling management system 20 are used. The system configuration is not limited to this. The accounting system 10 and the pooling management system 20 may be integrally configured.

10 ... Accounting system, 11 ... Control unit, 111 ... Account management unit, 112 ... Account monitoring unit, 12 ... Account ledger storage unit, 13 ... Monitoring target information storage unit, 20 ... Pooling management system, 21 ... Control unit, 211 ... Balance information acquisition unit, 212 ... Pooling management unit, 213 ... Instruction unit, 22 ... Scheme information storage unit, 23 ... Account information storage unit, 24 ... Holiday information storage unit, 25 ... Movement schedule information storage unit.

Claims (6)

A scheme information storage unit that records scheme information about the parent account and child account to be pooled managed by the account processing unit, the target balance, and the compensation usage category for determining the necessity of compensation.
A pooling processing system including a control unit that executes pooling to transmit account information according to transmission conditions when the fluctuation of the account balance is not caused by pooling according to the balance fluctuation of the account balance. ,
The control unit
In the account processing unit, the withdrawal request for the child account to be pooled recorded in the scheme information storage unit is acquired, and the withdrawal request is obtained.
If the child account runs out of balance based on the withdrawal request, the shortage amount is obtained from the account processing unit.
When the compensation requirement is set in the compensation usage category of the scheme information recorded in the scheme information storage unit, the parent account and the target balance of the scheme information are specified, and the above-mentioned after withdrawal of the withdrawal request. A compensation process for transmitting a fund transfer instruction for transferring the compensation amount for making the account balance of the child account to the target balance from the parent account to the child account in the scheme information is executed.
A pooling processing system characterized in that, after the compensation processing, the account processing unit executes pooling in which the account balance of the child account is set to the target balance by the withdrawal processing for the withdrawal request. If the child account runs out of balance based on the withdrawal request, the account processing unit suspends the withdrawal processing for the withdrawal request.
The pooling processing system according to claim 1, wherein the reserved withdrawal processing is executed after the compensation processing. The control unit
If you get the shortfall, check the pooling conditions and
The pooling processing system according to claim 1 or 2, wherein the compensation processing is executed based on the pooling conditions. The control unit
When it is determined that the overdraft facility set in the child account cannot be used, the compensation process is executed, the withdrawal process for the withdrawal request is executed, and the withdrawal process is executed.
Claims 1 to 1, characterized in that, when it is determined that the overdraft facility set in the child account can be used, the compensation process is skipped and the withdrawal process for the withdrawal request is executed. The pooling processing system according to any one of 3. A scheme information storage unit that records scheme information about the parent account and child account to be pooled managed by the account processing unit, the target balance, and the compensation usage category for determining the necessity of compensation.
If the change in the account balance is not caused by pooling in response to the change in the balance of the account balance, a pooling processing system equipped with a control unit that executes pooling to transmit account information according to the transmission condition is used. , A method for performing the pooling process,
The control unit
In the account processing unit, the withdrawal request for the child account to be pooled recorded in the scheme information storage unit is acquired, and the withdrawal request is obtained.
If the child account runs out of balance based on the withdrawal request, the shortage amount is obtained from the account processing unit.
When the compensation requirement is set in the compensation usage category of the scheme information recorded in the scheme information storage unit, the parent account and the target balance of the scheme information are specified, and the above-mentioned after withdrawal of the withdrawal request. A compensation process for transmitting a fund transfer instruction for transferring the compensation amount for making the account balance of the child account to the target balance from the parent account to the child account in the scheme information is executed.
A pooling processing method, characterized in that, after the compensation processing, the account processing unit executes pooling in which the account balance of the child account is set to the target balance by the withdrawal processing for the withdrawal request. A scheme information storage unit that records scheme information about the parent account and child account to be pooled managed by the account processing unit, the target balance, and the compensation usage category for determining the necessity of compensation.
If the change in the account balance is not caused by pooling in response to the change in the balance of the account balance, a pooling processing system equipped with a control unit that executes pooling to transmit account information according to the transmission condition is used. , A program for pooling
The control unit
In the account processing unit, the withdrawal request for the child account to be pooled recorded in the scheme information storage unit is acquired, and the withdrawal request is obtained.
If the child account runs out of balance based on the withdrawal request, the shortage amount is obtained from the account processing unit.
When the compensation requirement is set in the compensation usage category of the scheme information recorded in the scheme information storage unit, the parent account and the target balance of the scheme information are specified, and the above-mentioned after withdrawal of the withdrawal request. A compensation process for transmitting a fund transfer instruction for transferring the compensation amount for making the account balance of the child account to the target balance from the parent account to the child account in the scheme information is executed.
A pooling processing program characterized in that, after the compensation processing, the account processing unit functions as a means for executing pooling in which the account balance of the child account is set to the target balance by the withdrawal processing for the withdrawal request. ..

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