JP6890753B1 - Pooling management system, pooling management method and pooling management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a pooling management system, a pooling management method and a pooling management program for performing pooling efficiently and accurately. SOLUTION: A pooling management system 20 has a scheme information storage unit 22 for recording scheme information about a parent account and a child account to be pooled and a target balance managed by a core banking system 10, and a control unit 21 for executing pooling. And. Then, when the control unit 21 acquires the designation of the value date different from the execution date of pooling, the control unit 21 identifies the unpooled transaction that is not pooled in the balance of the value date for the transaction on the value date, and the pooling is not performed. Perform pooling by processing transaction. [Selection diagram] Fig. 1

Description

The present invention relates to a pooling management system, a pooling management method, and a pooling management program for transferring funds between accounts subject to pooling.

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

For example, checks and the like may be taken back to a branch office from an exchange or the like. Such a take-out check is funded on the starting date (value date) on the next business day after it is brought back to the branch office and deducted from the balance of the customer account. In this case, the balance will fluctuate after closing the child account to be pooled. Therefore, the balance fluctuation of the child account during the day cannot be accurately reflected in the parent account.

The pooling management system that solves the above problems includes a scheme information storage unit that records scheme information about a parent account and a child account to be pooled, a target balance managed by the account processing unit, and a control unit that executes pooling. .. Then, when the control unit acquires the designation of the value date different from the execution date of pooling, it identifies the unprocessed pooling transaction in which the balance of the value date is not pooled for the transaction on the value date. Pooling is performed by the unprocessed pooling transaction.

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

The explanatory view of the pooling management system of 1st Embodiment. The explanatory view of the hardware configuration of 1st Embodiment. The explanatory view of the processing procedure of 1st Embodiment. It is explanatory drawing of the processing procedure of 1st Embodiment, (a) is the normal processing, (b) is the explanatory diagram of the start date processing. The explanatory view of the processing procedure of 2nd Embodiment.

(First Embodiment)
A first embodiment in which a pooling management system, a pooling management method, and a pooling management 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, 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 medium 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 core banking system 10 is connected to, for example, an international interbank financial network (SWIFT (registered trademark): Society for Worldwide Interbank Financial Telecommunication) system, and funds are settled via the SWIFT system. The core banking system 10 includes a control unit 11 and an account ledger storage unit 12.

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

The transaction management unit 111 executes a process of acquiring transaction information such as a check.
The account management unit 112 executes a process of managing the accounts opened at each base.

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. Data related to the account identifier, balance, and deposit / withdrawal history are recorded in the account management information.
In the account identifier information, data related to 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 data about the amount of funds remaining in this account.
In the deposit / withdrawal history information, data regarding the transaction history related to deposits to this account and withdrawals from this account is recorded.

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 management 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. Scheme information includes information on structure, target balance, pooling execution classification, fund transfer reference date, and execution timing.

Data associated with the parent account and the child account is recorded in the structural information. This structural information is configured by associating account identifiers for identifying each account of the parent account and the child account with each other.
The target balance information records data on the target balance and the method of transferring funds. 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 a multi-level scheme such as a parent account, a child account, and a grandchild account, for example, if there is a transfer of funds from the grandchild account to the child account due to fund-concentrated pooling, the balance of the child account after the transfer of funds. Determines the amount of funds to be transferred to the parent account.

In the pooling execution classification information, a flag for determining whether or not to execute the normal processing or the start date processing described later is recorded. The "normal process" is a process of pooling based on the balance after closing on the day. On the other hand, the "starting date processing" is a processing for pooling based on the balance after the closing of the designated value date (starting date).

Further, when the reverse processing described later is required, the reverse execution flag is recorded. "Reverse processing" is a reverse drafting processing that returns funds that have been transferred between Japan and China (zero balance, target balance) from the parent account to the child account. When the funds are distributed from the parent account to the child account in the daytime fund transfer, the allocated funds are returned from the child account to the parent account.

The fund transfer reference date information is a predetermined date as the date on which the fund transfer is executed, and data 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, data that specifies 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.

(Transaction management process)
The transaction management process will be described with reference to FIG.
First, the control unit 11 of the core banking system 10 executes the transaction information acquisition process (step S1-1). Specifically, the transaction management unit 111 of the control unit 11 acquires the transaction information input to the person in charge terminal. For example, get monetization information about a check drawn. This monetization information includes the account identifier of the maker's deposit account.

Next, the control unit 11 of the accounting system 10 executes the process of reflecting on the balance (step S1-2). Specifically, the account management unit 112 of the control unit 11 deducts the amount stated on the check from the balance of the checking account. In this case, it will be deducted on the monetization date (for example, the previous business day).

(Normal processing)
Next, the normal process will be described with reference to FIG. 4 (a). This processing is performed within the business hours of the current day of the core banking system 10 for the scheme in which the "normal processing" flag is recorded in the pooling execution classification information of the scheme information storage unit 22.

First, the control unit 21 of the pooling management system 20 executes the acquisition process of the balance on the day (step S2-1). Specifically, the balance information acquisition unit 211 of the control unit 21 specifies the scheme information in which the "normal processing" flag is recorded in the pooling execution classification information in the scheme information recorded in the scheme information storage unit 22. Next, the balance information acquisition unit 211 requests the accounting system 10 for the balance information of the child account to be pooled based on the structural information of the specified scheme information. In this case, the balance after closing on the day is requested. Then, the balance information acquisition unit 211 acquires the balance information from the accounting system 10. Next, the pooling management unit 212 acquires the target balance information of the scheme information from the scheme information storage unit 22 by using the account identifier from which the balance information has been acquired.

Next, the control unit 21 of the pooling management system 20 executes the pooling process on the day (step S2-2). 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. In the fund adjustment type, when the balance of the child account is different from the target balance, it is determined that the transfer of funds is necessary. The instruction unit 213 of the control unit 21 issues a draft for either the transfer of funds from the child account to the parent account or the transfer of funds from the parent account to the child 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.

Then, the account management unit 112 of the control unit 11 specifies either the remittance from the child account to the parent account or the remittance from the parent account to the child account based on the fund transfer instruction acquired from the pooling management system 20. In the case of fund concentration, the account management unit 112 of the control unit 11 of the accounting system 10 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, in the case of fund allocation, the account management unit 112 uses the account ledger storage unit 12 to transfer the amount of the fund transfer instruction from the parent account to the child account.

Next, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not reverse is necessary (step S2-3). Specifically, the pooling management unit 212 of the control unit 21 confirms whether or not the reverse execution flag is recorded in the pooling execution classification information of the scheme information storage unit 22. If the reverse execution flag is recorded, it is determined that reverse is necessary.

When the reverse execution flag is not recorded and it is determined that reverse is unnecessary (when "NO" in step S2-3), the control unit 21 of the pooling management system 20 ends the normal process.

On the other hand, when it is determined that reverse is necessary (when "YES" in step S2-3), the control unit 21 of the pooling management system 20 executes the next-run reverse drafting process (step S2-4). Specifically, the pooling management unit 212 of the control unit 21 uses the holiday calendar information of the parent base and the child base recorded in the holiday information storage unit 24 to set the daytime fund transfer date for the parent base and the child base. Identify the first business day after the next day. Next, the pooling management unit 212 issues a draft to return the funds transferred in the pooling process (step S2-2) on the day on the date of the next business day. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10.

(Starting date processing)
Next, the start date processing will be described with reference to FIG. 4 (b). This process is performed based on the designation of an arbitrary value date. For example, if the check is brought back on the next business day, the previous business day is designated as the value day. This start date processing is manually executed based on the instruction of the pooling administrator or automatically executed when a predetermined condition is satisfied.

First, the control unit 21 of the pooling management system 20 executes the acquisition process of the balance after closing on the designated value date (step S3-1). Specifically, the balance information acquisition unit 211 of the control unit 21 specifies the scheme information in which the "starting date processing" flag is recorded in the pooling execution classification information in the scheme information recorded in the scheme information storage unit 22. Next, the balance information acquisition unit 211 requests the accounting system 10 for the balance information of the child account to be pooled based on the structural information of the specified scheme information. In this case, the balance after closing on the specified value date is requested. Then, the balance information acquisition unit 211 acquires the balance information from the accounting system 10. Next, the pooling management unit 212 acquires the target balance information of the scheme information from the scheme information storage unit 22 by using the account identifier from which the balance information has been acquired.

Next, the control unit 21 of the pooling management system 20 executes the pooling process on the value day (step S3-2). 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, as in step S2-2. In this case as well, the necessity of fund transfer is determined according to the fund concentration type and fund allocation type, and when the fund transfer is necessary, the fund transfer is performed for the unprocessed pooling transaction that is not pooled in the balance on the value day. Make a draft. Then, the instruction unit 213 of the control unit 21 transmits the issued fund transfer instruction to the accounting system 10.

Next, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not reverse is necessary (step S3-3), as in step S2-3.
When the reverse execution flag is not recorded and it is determined that reverse is unnecessary (when "NO" in step S3-3), the control unit 21 of the pooling management system 20 ends the start date processing.

On the other hand, when it is determined that reverse is necessary (when "YES" in step S3-3), the control unit 21 of the pooling management system 20 executes the reverse drafting process on the day (step S3-4). Specifically, the pooling management unit 212 of the control unit 21 issues a draft to return the funds transferred in the pooling process (step S3-2) on the value day on the date of the day when step S3-2 is executed. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10.

As described above, according to the present embodiment, the following effects can be obtained.
(1-1) In the present embodiment, the control unit 21 of the pooling management system 20 executes the current-day balance acquisition process (step S2-1) and the current-day pooling process (step S2-2). As a result, pooling can be performed promptly using the balance on the day.

(1-2) In the present embodiment, when it is determined that reverse is necessary (when “YES” in step S2-3), the control unit 21 of the pooling management system 20 executes the next-run reverse drafting process ( Step S2-4). As a result, the balance of the child account can be returned to the state before pooling by returning the funds concentrated in the parent account to the child account or returning the funds allocated to the child account to the parent account. As a result, by returning the funds by reverse, the loan between the parent account and the child account can be settled (repayed) each time.

(1-3) In the present embodiment, the control unit 21 of the pooling management system 20 acquires the balance after closing on the designated value date (step S3-1) and the pooling process on the value date (step S3-2). To execute. As a result, the balance of the child account that has changed after the closing of the day can be reflected in the parent account.

(1-4) In the present embodiment, when it is determined that reverse is necessary (when “YES” in step S3-3), the control unit 21 of the pooling management system 20 executes the reverse drafting process on the day (step). S3-4). As a result, the balance of the child account can be quickly returned to the state before pooling by returning the funds concentrated in the parent account to the child account or returning the funds allocated to the child account to the parent account.

(Second Embodiment)
Next, the second embodiment will be described with reference to FIG. In the first embodiment, the normal processing and the start date processing are executed according to the pooling execution classification information recorded in the scheme information storage unit 22. In the second embodiment, the normal process is executed, and when the start date transaction occurs, the pooling is re-executed twice. The same parts as those in the first embodiment are designated by the same reference numerals, and detailed description thereof will be omitted.

In this case, the scheme information storage unit 22 records information regarding the executable condition for determining whether or not the start date processing can be executed. As this executable condition, the variable amount of the balance after closing that can be processed on the start date and the condition for determining whether or not the start date processing can be executed when crossing stores that affect other branches are recorded.

(Processed twice)
The two-time process will be described with reference to FIG.
First, the control unit 21 of the pooling management system 20 executes the normal process shown in FIG. 4A (step S4-1). Here, first, the acquisition process of the balance on the day (step S2-1) to the next-run reverse drafting process (step S2-4) are performed.

Next, the control unit 21 of the pooling management system 20 executes the acquisition process of the balance after the closing of the value date (step S4-2). Specifically, the balance information acquisition unit 211 of the control unit 21 requests the accounting system 10 for the balance information of the child account to be pooled based on the structural information of the specified scheme information. In this case, the balance at the time of normal processing and the balance after closing on the specified value date are requested.

Next, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not the balance has changed from the balance at the time of normal processing (step S4-3). Specifically, the balance information acquisition unit 211 of the control unit 21 compares the balance at the time of performing the normal processing (step S4-1) with the newly acquired balance after closing of the value date. If the two balances are different, it means that there is an unpooled transaction that has not been pooled in the balance on the value day, and it is determined that there is a change from the balance at the time of normal processing.

When it is determined that there is a change from the balance after closing during the normal processing (when "YES" in step S4-3), the control unit 21 of the pooling management system 20 determines whether or not the start date processing can be executed. Is executed (step S4-4). Specifically, the pooling management unit 212 of the control unit 21 acquires the executable condition from the scheme information storage unit 22. Then, the pooling management unit 212 compares the influence of the fluctuation due to the start date processing with the executable condition. For example, it is determined whether or not the variable amount is within the amount set in the executable condition. In addition, when the start date processing is executed in the structural information recorded in the scheme information storage unit 22, and the balance of the branch office where another account is opened also changes, the executable condition is confirmed. If the executable condition is satisfied, it is determined that the start date processing can be executed.

When it is determined that the start date processing can be executed (when "YES" in step S4-4), the control unit 21 of the pooling management system 20 executes the value day pooling process (step S4-5). Specifically, the pooling management unit 212 of the control unit 21 calculates the difference between the balance at the time of performing the normal processing (step S4-1) and the newly acquired balance after closing of the value date. Next, the pooling management unit 212 makes a draft to transfer funds for the calculated difference amount. Then, the instruction unit 213 of the control unit 21 transmits the issued fund transfer instruction to the accounting system 10.

Next, the control unit 21 of the pooling management system 20 determines whether or not reverse is necessary (step S4-6) and reverse drafting processing on the day (step S4-), as in steps S3-3 and S3-4. 7) is executed. In the reverse drafting process (step S4-7) on the day, the pooling management unit 212 of the control unit 21 transfers the funds (difference amount) transferred in the pooling process (step S4-5) on the value day to the date of the day. Make a draft to return with. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10.

On the other hand, if it is determined that there is no change from the balance after closing during normal processing, or if it is determined that the start date processing cannot be executed (when "NO" in steps S4-3, S4-4, S4-6), pooling The control unit 21 of the management system 20 ends the process twice.

As described above, according to the present embodiment, the following effects can be obtained.
(2-1) In the present embodiment, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not the balance has changed from the balance at the time of normal processing (step S4-3). As a result, it is possible to determine whether or not the start date processing needs to be executed depending on whether or not the balance has fluctuated.

(2-2) In the present embodiment, when it is determined that there is a change from the balance after closing during normal processing (when "YES" in step S4-3), the control unit 21 of the pooling management system 20 starts the calculation date. A determination process for determining whether or not the process can be executed is executed (step S4-4). As a result, when the amount of fluctuation in the balance after closing is large, or when the balance is lost, such as when crossing stores, it is possible to suppress the start date processing.

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 each of the above embodiments, the control unit 21 of the pooling management system 20 executes the acquisition process of the balance on the day (step S2-1). In addition, the control unit 21 of the pooling management system 20 executes the acquisition process of the balance after closing on the designated value date (step S3-1). Instead of this, the core banking system 10 may periodically transmit the balance information to the pooling management system 20. In this case, the accounting system 10 is provided with a monitoring target information storage unit.

In this monitoring target information storage unit, monitoring target information regarding the account to which the account balance is transmitted is recorded. 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, data 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, data 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. In this case, the pooling condition can be used as the transmission condition.

-In each of the above embodiments, the scheme information storage unit 22 includes a pooling execution division in which a flag for determining the necessity of executing the normal processing or the start date processing is recorded. Here, the account information storage unit 23 may record the start date transaction flag for the account identifier in the structural information in the case of the withdrawal account used for monetizing the check. Then, the pooling management system 20 executes the calculation date processing for each account.

-In each of the above embodiments, the control unit 21 of the pooling management system 20 executes a determination process as to whether or not the balance has changed from the balance at the time of normal processing (step S4-3). Here, the pooling management system 20 may be provided with an execution record information storage unit that records the balance after closing used in the normal process (step S4-1) in association with the account identifier and the pooling execution date. Then, the control unit 21 compares the post-closing balance recorded in the execution record information storage unit with the newly acquired post-closing balance on the value date. If the two post-closing balances are different, it means that there is an unpooled starting date transaction, and it is determined that there is a change from the post-closing balance during normal processing.

-In each of the above embodiments, a core banking system 10 (account processing unit) and a 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.
-In each of the above embodiments, pooling is performed using the balance after tightening. The balance used for pooling is not limited to the balance after closing, and it is possible to use the balance at the predetermined reference time on the value date. For example, the starting balance (opening balance) may be used.

-In the second embodiment, when it is determined that the start date processing can be executed (when "YES" in step S4-4), the control unit 21 of the pooling management system 20 executes the value day pooling process (when it is determined that the start date processing can be executed). Step S4-5). Here, the funds are transferred with respect to the difference between the balance at the time of normal processing and the balance after the closing of the newly acquired value date. Instead of this, the pooling may be redone using the newly acquired balance after the closing of the value date. In this case, first, the pooling management unit 212 of the control unit 21 cancels the transfer of funds in the normal process (step S4-1) when pooling on the day or reverse issuance of the next business is performed. Make a vote. Then, the instruction unit 213 transmits the issued fund transfer instruction to the accounting system 10.

Next, the pooling management unit 212 of the control unit 21 determines whether or not the transfer of funds is necessary based on the newly acquired balance after closing of the value date and the target balance information. In this case as well, the necessity of fund transfer is determined according to the fund concentration type, the fund allocation type, and the fund adjustment type. Then, when it is necessary to transfer funds, the pooling management unit 212 issues a draft to transfer the surplus amount of the balance of the child account exceeding the target balance to the parent account in the fund concentration type. 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.

10 ... Accounting system, 11 ... Control unit, 111 ... Transaction management department, 112 ... Account management department, 12 ... Account ledger 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 (7)

A scheme information storage unit that records scheme information about the parent account and child accounts to be pooled and the target balance managed by the account processing unit.
A pooling management system equipped with a control unit that executes pooling.
The control unit
When a value date designation different from the pooling execution date is acquired, for the transaction on the value date, the unpooled transaction that is not pooled in the balance on the value date is specified.
A pooling management system characterized in that pooling is executed by the pooling unprocessed transaction. The control unit
If pooling is not performed on the value date, the balance after the closing of the value date is acquired.
The pooling management system according to claim 1, wherein pooling is performed based on the balance after closing. The pooling management system according to claim 1 or 2, wherein the unprocessed pooling transaction is a transaction relating to deposit or withdrawal by check transaction. The pooling management system according to any one of claims 1 to 3, wherein when the control unit performs pooling by the pooling unprocessed transaction, the reverse processing on the day is executed. The control unit
If pooling has already been performed on the value date and the value date designation is obtained, it is determined whether or not the pooling can be re-executed.
The pooling management system according to any one of claims 1 to 3, wherein the pooling is re-executed by the unprocessed pooling transaction when it is determined that the pooling can be re-executed. A scheme information storage unit that records scheme information about the parent account and child accounts to be pooled and the target balance managed by the account processing unit.
It is a method for performing a pooling process using a pooling management system provided with a control unit for executing pooling.
The control unit
When a value date designation different from the pooling execution date is acquired, for the transaction on the value date, the unpooled transaction that is not pooled in the balance on the value date is specified.
A pooling management method, characterized in that pooling is executed by the pooling unprocessed transaction. A scheme information storage unit that records scheme information about the parent account and child accounts to be pooled and the target balance managed by the account processing unit.
A program for performing pooling processing using a pooling management system equipped with a control unit for executing pooling.
The control unit
When a value date designation different from the pooling execution date is acquired, for the transaction on the value date, the unpooled transaction that is not pooled in the balance on the value date is specified.
A pooling management program characterized in that it functions as a means for executing pooling by the unprocessed pooling transaction.

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