JP6931438B1 - Cash flow management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To grasp a future change of an account balance based on an accurate account balance at a specific time point. SOLUTION: A means for registering deposits and withdrawals of an account at the time of deposit and withdrawal, a means for registering a deposit and withdrawal schedule for the account together with a scheduled deposit and withdrawal time, a means for calculating an account balance at an arbitrary time point, and a specific time point. A cash flow management system that has a means of adjusting the account balance in a predetermined amount. [Selection diagram] Fig. 2

Description

The present invention relates to a cash flow management system.

Currently, various accounting management software using computers are widely used. With such software, it is possible to grasp the transition of the account balance by registering the account to be managed and registering the deposit / withdrawal and deposit / withdrawal schedule for each account.

However, registration to such software is not always reliable and real-time due to various circumstances. In particular, if the software user is a small and medium-sized enterprise, accurate deposit / withdrawal and deposit / withdrawal schedule registration may actually be performed due to various circumstances such as transaction circumstances, business customs, absence of accounting staff, and shortage of personnel. It can often happen that there is a delay of several months from the time of deposit / withdrawal or scheduled occurrence.

When such a situation occurs, the account balance grasped by the software and the actual balance, which is the actual balance of the account, are temporarily inconsistent. Under such circumstances, even though the total amount of funds can be afforded, there is a high risk that a shortage of funds will occur in a specific account or that the timeliness for cash flow measures will be missed due to the delay in grasping the total amount of funds.

In addition, in order to avoid such a situation, in order to match the actual balance of the actual account with the account balance on the software, it is possible to register a temporary deposit / withdrawal equivalent to the difference between the two, but such a measure Then, if the correct deposit / withdrawal and deposit / withdrawal schedule are registered later, the actual balance and the account balance will eventually be inconsistent, so it may not be a solution to the problem, or additional work to manage the temporary deposit / withdrawal registration. Is required, so it takes a lot of time and effort.

The present invention has been made in view of the above circumstances, and the problem to be solved is to grasp future changes in the account balance based on the accurate account balance at a specific time point.

The cash flow management system according to one aspect of the present invention includes a means for registering deposits and withdrawals of an account at the time of deposit and withdrawal, a means for registering a deposit and withdrawal schedule for the account together with a scheduled deposit and withdrawal time, and an account balance at any time. means for calculating, have a, and means for adjusting the actual account balance account balance at a particular point in time, the means for adjusting includes the account by adding to the account balance is calculated in the particular time A means for registering an adjustment amount for adjusting the balance to the actual account balance, and a means for recalculating the adjustment amount when an element for changing the account balance is registered at a time point earlier than the specific time point. Have .

The cash flow management system according to one aspect of the present invention further includes a communication unit that communicates with the financial institution server, and the adjusting means is the actual account acquired from the financial institution server via the communication unit. The account balance may be adjusted with the balance as the actual account balance.

In the cash flow management system according to one aspect of the present invention, the adjusting means further obtains the actual balance of the account from the financial institution server via the communication unit at least on a specific date or periodically. It may have a means of specifying a date and time to be repeated.

The cash flow management system according to one aspect of the present invention further includes a communication unit that communicates with the financial institution server, and records the actual deposit / withdrawal of the account acquired from the financial institution server via the communication unit. It may have a means of associating with a withdrawal schedule and re-registering as a deposit / withdrawal.

The cash flow management system according to one aspect of the present invention further requires the operator to confirm at least one of the actual deposit / withdrawal record and the deposit / withdrawal schedule for which the means for re-registration has an unknown correspondence. You can do it.

In the cash flow management system according to one aspect of the present invention, at least a specific date or at least a specific date or a timing at which the means for re-registering acquires the actual deposit / withdrawal record of the account from the financial institution server via the communication unit or It may have a means of specifying a date and time that is repeated periodically.

The cash flow management system according to one aspect of the present invention further describes the plurality of accounts from 0 to positive when the calculated account balance is a positive value at at least one time point on the time axis. As a stacked bar graph in the direction, when the calculated account balance is a negative value, it is shown as a stacked bar graph in the negative direction from 0 in a manner in which the plurality of the accounts can be distinguished from each other, and the plurality of the accounts at the time point. There may be a means for graphing the transition of the account balance, which shows the total of the calculated account balance on the graph.

It is a conceptual diagram of a cash flow management system. It is a block diagram of a general computer which shows the physical configuration of a server and a client terminal. It is a functional block diagram which shows the functional structure of the cash flow management system. An example of the information contained in the account database is shown in the form of a chart for convenience. It is a graph which showed the transition of the account balance of the account shown in FIG. 4 in the case where the adjustment amount is recorded and the case where it is not recorded. An example of the information contained in the recalculated account database is shown in the form of a chart for convenience. This is an example of a user interface presented to the operator by the deposit / withdrawal registration unit and the deposit / withdrawal schedule registration unit. It is a flow chart which shows an example of the processing by a deposit / withdrawal registration part. It is a flow chart which shows an example of the processing by the deposit / withdrawal schedule registration part. It is a figure which shows an example of the user interface commonly used by the deposit / withdrawal registration unit and the deposit / withdrawal schedule registration unit when registering deposit / withdrawal as a transfer. This is an example of a user interface presented to the operator by the balance adjustment unit. It is a flow chart which shows an example of the processing by a balance adjustment part. It is a flow chart which shows an example of the processing by the recalculation part of the balance adjustment part. This is an example of a user interface presented to the operator by the deposit / withdrawal support unit. This is an example of a user interface presented when the deposit / withdrawal correspondence unit requests the operator to confirm the correspondence between the deposit / withdrawal schedule and the actual deposit / withdrawal record, which are presumed to have a correspondence relationship when the automatic correspondence is performed. It is a flow chart which shows an example of the processing by the deposit / withdrawal correspondence part. This is an example of a graph shown by the graphing unit.

Hereinafter, the cash flow management system 100 according to the embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a conceptual diagram of the cash flow management system 100. The cash flow management system 100 is an information processing system using a computer and can be realized by a single computer (that is, by a stand-alone system), but in the present embodiment, a server = client system via an information communication network N. An example realized as is shown. That is, the main information processing and the retention of the data associated with the user are performed by the server 2 connected to the network N, and the client terminal 3 connected to the network N so as to be able to communicate with the server 2 has the cash flow management system 100. It mainly provides an interface for users who use.

The mode of the network N is not particularly limited as long as it is a computer network capable of information communication, and any mode may be used. However, in this example, the network N is the Internet. It will be provided as SaaS (Software as a Service) to the user who uses the client terminal 3 by so-called cloud computing.

Note that FIG. 1 shows one server 2 and three client terminals 3, but this is just an example. A plurality of servers 2 are prepared and operated by a distributed computing method or mirrored. May be good. The number of client terminals 3 is not limited, and the server 2 can be used by a plurality of users. However, access authority is restricted by the account issued to each user so that different users cannot refer to each other's information, and the area on the server 2 used for each user by the so-called tenant system. Information security may be ensured by classifying the server and preventing access to the area allocated to other users.

Further, FIG. 1 simultaneously shows how the financial institution server 4 is connected to the network N. Since the financial institution server 4 is not included in the cash flow management system 100, the connection between the financial institution server 4 and the network N is shown by a broken line. However, the cash flow management system 100 is an API published by the financial institution. By using (Application Program Interface), it is possible to communicate with the financial institution server 4 and acquire the user's account information and the like.

FIG. 2 is a configuration diagram of a general computer 1 showing the physical configurations of the server 2 and the client terminal 3. Basically, the server 2 and the client terminal 3 are standard computers, and the difference is the difference in information processing capacity and storage capacity. However, since it is up to the user to decide what kind of computer is used as the client terminal 3, it is possible to prepare a computer having a processing capacity equal to or higher than that of the server 2. However, in this example, it is possible to prepare a computer. Since the server 2 is responsible for the main information processing and data storage by cloud computing, the user can use an inexpensive computer with low processing capacity as the client terminal 3.

The computer 1 has a CPU (Central Processing Unit) 1a, a RAM (Random Access Memory) 1b, an external storage device 1c, a GC (Graphics Controller) 1d, an input device 1e, and an I / O (Inpur / Output) 1f by a data bus 1g. They are connected so that electrical signals can be exchanged with each other. Here, the external storage device 1c is a device such as an HDD (Hard Disk Drive) or SSD (Solid State Drive) that can statically record information. Further, the signal from the GC1d is output to a monitor 1h such as a CRT (Cathode Ray Tube) or a so-called flat panel display in which the user visually recognizes the image, and is displayed as an image. The input device 1e is a device such as a keyboard, a mouse, and a touch panel for the user to input information, and the I / O 1f is an interface for the computer 1 to exchange information with an external device. A plurality of CPUs 1a may be prepared and configured to perform parallel operations according to the information processing load required by the computer 1.

The application program for making the computer 1 function as the server 2 or the client terminal 3 is installed in the external storage device 1c, read into the RAM 1b as needed, and executed by the CPU 1a. Further, such a program may be recorded and provided on an appropriate computer-readable information recording medium such as an appropriate optical disk, magneto-optical disk, or flash memory, or may be provided via an information communication line such as the Internet. The application that causes the computer 1 to function as the client terminal 3 may be provided by so-called cloud computing in which the function is provided by the server 2 via the I / O 1f using general-purpose software such as a web browser.

FIG. 3 is a functional block diagram showing a functional configuration of the cash flow management system 100. In each function of the cash flow management system 100 shown in the figure, the CPU 1a of the server 2 or the client terminal 3 reads and executes the program code expanded on the RAM 1b, or a predetermined area of the RAM 1b or the external storage device 1c is specified. It is assigned to or both of the functions of the above, and each function block shown in the figure conceptually shows the function of the cash flow management system 100 realized in this way. ..

The user information database 10 is an information storage area secured for each user who intends to use the cash flow management system 100, and various information such as registration information about the user is stored, and at least one or more account databases 11 are stored. including.

The account database 11 records the receipt of money in the account actually used by the user, and the account database 11 of 1 corresponds to the actual account of 1. Therefore, if the user intends to manage a plurality of actual accounts by the cash flow management system 100, the same number of plurality of account databases 11 are prepared.

In addition, in this specification, "account" means a broader concept including not only an account opened by a user at a financial institution but also a unit in which the user tries to grasp the receipt of money. For example, cash managed by a user is also grasped as a kind of "account" (so-called "cash account"). In addition, credit card usage, POS systems, various payment services, etc. may be treated as "accounts". The details of the information registered in the account database 11 will be described later.

The cash flow management system 100 further includes a deposit / withdrawal registration unit 12 that registers deposits / withdrawals of the account selected by the user at the time of deposit / withdrawal, and a deposit / withdrawal schedule registration unit 13 that registers the deposit / withdrawal schedule of the account at the time of scheduled deposit / withdrawal. , The actual deposit / withdrawal record of the account is associated with the registered deposit / withdrawal schedule, and the deposit / withdrawal correspondence unit 14 is re-registered as deposit / withdrawal. An account balance calculation unit 16 for calculating the account balance at the time of the above, a graphing unit 17 for graphing the transition of the account balance, and a communication unit 18 for communicating with the financial institution server 4 are provided. The graph generated by the graphing unit 17 is displayed on the monitor 1h and visually recognized by the user.

FIG. 4 shows an example of the information contained in the account database 11 in the form of a chart for convenience. In the account database 11, a part of information indicating the indicated account itself (the part indicated by A in the figure) and a part of information on deposits and withdrawals and other records accumulated in chronological order with respect to the account (in the figure). , B) is included. The information in part A does not normally change unless there are special circumstances, and is input by the user when registering an account to be managed by the cash flow management system 100 and newly creating an account database 11. .. In FIG. 4, only the account name and the account type indicating the account type are shown as the information of the part A, but other information, for example, information about the account itself such as the account number and the bank / branch code, as well as the user. The memo and the identification information and password for accessing the financial institution server 4 and using the API for the account may be included.

Since the information in the part B sequentially records the events that have occurred in the account managed by the account database 11, the information is added and accumulated every time such an event occurs. FIG. 4 shows the beginning balance, deposit / withdrawal and deposit / withdrawal schedule, transfer and adjustment amount as such information. The type of each information is shown in the type column, and one horizontal line in the table corresponds to one piece of information.

The beginning balance specifies the initial balance when the account is registered and the account database 11 is newly created. In the cash flow management system 100, the balance of a specific account at a certain point in time is obtained by adding up the fluctuation of the amount in the registered event to the amount of the beginning balance in chronological order.

Deposits and withdrawals record the actual increase or decrease in money in the account at the time of deposit and withdrawal. In FIG. 4, the date and time are recorded up to the date and hour as the time of deposit and withdrawal, but it may be recorded only on the date or up to the second. As will be described later, unless the deposit / withdrawal is registered using the API, the operator will manually register the deposit / withdrawal, but if it is difficult to register up to the hour, minute (second) at that time, the hour If the minute (second) is not specified, midnight of the day may be registered by default. In addition, although the amount of money is recorded here as positive when the account balance increases and negative when the account balance decreases, this may be recorded as an absolute amount. Further, in addition to the deposit / withdrawal and transfer destination shown in FIG. 4, other information may be recorded together.

The transfer shows the transfer of money between the accounts registered in the cash flow management system 100, and in the one shown in FIG. 4, 500,000 yen is withdrawn from the account of the XX bank, and the cash account, that is, the user. It shows that it has moved to cash on hand. Although not shown in FIG. 4, in the account database 11 corresponding to the cash account, the increase of the same amount of money is also registered as "transfer" at the same date and time.

The deposit and withdrawal schedules record the future increase and decrease of money in the account at the time of the scheduled deposit and withdrawal. Specifically, it is generally widespread that the collection of money associated with commercial transactions and other transactions and contracts is done at a later date rather than at the time of the closing of the transaction, etc., and such deposit / withdrawal schedules are registered in advance. By doing so, it is possible to predict future changes in the account balance. So-called bill transactions and check settlements can also be grasped as deposit / withdrawal schedules. If the deposit / withdrawal schedule is not executed as the actual receipt of money, bad debts or non-payments will occur.

The adjustment amount is a special record that adjusts the account balance at a specific point in time to a predetermined amount. In order to explain the action of the adjustment amount and its practical significance, FIG. 5 shows the transition of the account balance of the account shown in FIG. 4 graphically with respect to the case where the adjustment amount is recorded and the case where the adjustment amount is not recorded. ..

The solid line in the graph shows the transition of the account balance of the account shown in FIG. 4 with respect to the date when the adjustment amount is not recorded. Starting from the beginning balance of 1 million yen as of January 1, 2020, how the account balance will change depending on the deposit / withdrawal and deposit / withdrawal schedule in the past and future is shown. From this graph, 2020 Although the account balance temporarily decreases to 100,000 yen due to the withdrawal schedule on November 30, it is scheduled to be deposited after that, and it can be seen that it will be 1.1 million yen as of February 1, 2020.

However, if there is a withdrawal that is not registered in the cash flow management system 100 and the account balance is actually 400,000 yen as of 2020/1/24, the change in the account balance that will actually occur is , As shown by the broken line in FIG. 5, the account balance becomes negative as of 2020/1/30. That is, although a sufficient financial margin can be secured in 2020/2/1, in 2020/1/30, this account will cause a shortage of funds, resulting in inability to pay. Therefore, the business operator who manages the account must take care of the funds by transfer or the like before payment of 2020/1/30.

In this way, in the state where only deposit / withdrawal and deposit / withdrawal schedules are registered, if those registrations are not done accurately and in real time, it is not possible to accurately grasp the future transition of the account balance. However, it is impractical to perform such a registration completely. Therefore, in the cash flow management system 100, the adjustment amount is registered as shown in FIG. 4, and the account balance grasped on the account database 11 and the actual account balance are matched.

That is, the account balance grasped on the account database 11 and the actual account balance are registered by the account manager confirming the account information and registering the actual value of the account balance as the adjustment amount in the account database 11. Match. Therefore, the account balance grasped by the account database 11 is shown by the broken line in FIG. 5, and it becomes possible to accurately grasp the future transition of the account balance.

Here, what is registered as the adjustment amount is the designated adjustment amount shown in FIG. 4, which is the amount of the actual account balance, not the difference from the account balance grasped on the account database 11. .. The difference between the actual account balance and the account balance grasped on the account database 11, that is, the amount grasped as the amount of change in the account balance on the account database 11 (the amount corresponding to the "amount" in FIG. 4) is the balance adjustment unit 15. Is automatically calculated and registered by.

That is, the balance adjustment unit 15 sets a predetermined amount, that is, the designated adjustment amount as the target value of the account balance, and adjusts the account balance so as to match the predetermined amount. Therefore, the adjustment amount information registered in the account database 11 includes a predetermined amount, that is, a designated adjustment amount.

This is to eliminate the discrepancy between the actual account balance and the account balance grasped on the account database 11 due to the fact that the deposit / withdrawal that should be originally registered in the account database 11 is not registered in the adjustment amount. This is because it is information and it is assumed that the correct deposit / withdrawal registration will be done again later. That is, the adjustment amount acts to match the account balance grasped on the account database 11 with the correct account balance amount at the time when the adjustment amount is registered even if the correct deposit / withdrawal registration is made later. do.

Therefore, as shown in FIG. 3, the balance adjustment unit 15 is provided with a recalculation unit 19, and when the correct deposit / withdrawal and deposit / withdrawal schedule are registered again after the adjustment amount is registered. , Recalculate the "amount" of the adjustment amount so that the account balance matches the specified adjustment amount at the date and time related to the registration.

Explaining with a specific example, it is assumed that 100,000 yen has been withdrawn from the state of the account database 11 shown in FIG. 4 on 2020/20. In that case, the recalculation unit 19 recalculates the already registered adjustment amount, updates the value of the "amount" in the adjustment amount, and the state is as shown in FIG. That is, at the time of 2020/1/24 9:03 when the adjustment amount is registered, the amount changes so that the account balance matches the designated adjustment amount of 400,000 yen.

In this way, the recalculation unit 19 has registered the amount of the adjustment amount, such as deposit / withdrawal and deposit / withdrawal schedule, which is an element that fluctuates the account balance at a time before the registered specific time. By sometimes recalculating, the account balance always grasped from the account database 11 can be correctly matched with the actual account balance. It should be noted that registration of deposits and withdrawals, etc. after the date and time of the registered adjustment amount does not affect the adjustment amount, so this does not need to be considered.

Ideally, if all deposits and withdrawals and deposit and withdrawal schedules are registered correctly, the account balances ascertained from them should match the actual account balances. If all related registrations are made, the "amount" of the registered adjustment amount will be 0 yen. At this time, if the amount of the adjustment amount recalculated by the recalculation unit 19 is 0 yen, the adjustment amount may be deleted as unnecessary or may be left as it is. In the cash flow management system 100 according to the present embodiment, the adjustment amount registered in the account database 11 may be automatically deleted even if the amount becomes 0 yen unless the operator explicitly deletes it. Not done. This is because even if the adjustment amount becomes 0 yen, another registration may be made later.

In the above description, the registration of deposits and withdrawals and adjustment amounts has been described mainly on the assumption that the operator individually registers the information in the cash flow management system 100, but as described above, the cash flow management system 100 is a financial institution. Automatic registration may be performed by acquiring more account information.

There may be two types of automatic registration: automatic registration performed based on the operation of the operator and automatic registration performed at a predetermined timing. The automatic registration performed based on the operation of the operator is performed by the operator operating the client terminal 3 and instructing the cash flow management system 100 to perform the automatic registration.

When the automatic registration instruction is given to the deposit / withdrawal registration, the deposit / withdrawal registration unit 12 shown in FIG. 3 accesses the financial institution server 4 through the communication unit 18 and uses the API published by the financial institution. The actual deposit / withdrawal record of the instructed account (hereinafter referred to as "actual deposit / withdrawal record") is acquired, and the deposit / withdrawal is registered in the corresponding account database 11.

When the automatic registration instruction is given to the adjustment of the account balance, the balance adjustment unit 15 shown in FIG. 3 accesses the financial institution server 4 through the communication unit 18 and uses the API published by the financial institution. The actual balance of the instructed account (hereinafter referred to as "actual balance") is acquired, and the adjustment amount is registered in the corresponding account database 11. At this time, the adjustment amount may be registered even when the account balance grasped by the account database 11 and the actual balance match. In that case, the amount of the adjustment amount will be registered as 0 yen, but after that, even if a past deposit / withdrawal that does not exist is mistakenly registered due to an operator's input error, etc., it will be grasped by the account database 11. It has the effect of preventing the situation where the account balance and the actual balance are inconsistent.

On the other hand, in the automatic registration performed at a predetermined timing, the cash flow management system 100 automatically registers at the designated date and time by designating the date and time for the automatic registration in advance by the operator. The date and time may be specified independently for each automatic registration of deposits and withdrawals and automatic registration of adjustment amounts, and different dates and times may be specified for each account. The date and time may specify a specific date and time in advance, and it is desirable that the date and time can be specified to be repeated regularly (for example, midnight on the first day of every month or 5:00 pm every Friday). etc).

By executing the automatic registration at a predetermined timing in this way, it is possible to prevent a situation in which the account balance and the actual balance grasped by the account database 11 are inconsistent without the business operator noticing.

Further, the cash flow management system 100 may have a deposit / withdrawal correspondence unit 14 shown in FIG. The deposit / withdrawal schedule registered in the account database 11 should be the deposit / withdrawal at the registered date / time if the deposit / withdrawal is actually made according to the registered schedule. Is not always as planned in advance, such as before and after.

If the deposit / withdrawal schedule is not executed according to the registered schedule in this way, it will be an obstacle to accurately grasping the account balance, as with the above-mentioned unregistered deposit / withdrawal schedule. .. Therefore, the deposit / withdrawal handling unit 14 associates the deposit / withdrawal with respect to the actual account with the deposit / withdrawal schedule registered in the account database 11. Since the deposit / withdrawal schedule associated with the actual deposit / withdrawal is no longer a "plan", the registration can be changed to the deposit / withdrawal record.

The operation of the deposit / withdrawal handling unit 14 may be automatically associated by the cash flow management system 100 in addition to the artificial association by the operator.

For artificial correspondence by the operator, the operator only has to check the registered deposit / withdrawal schedule one by one based on the record of the actual account, and if you enter that there was an actual deposit / withdrawal. , Update the deposit / withdrawal schedule registration to deposit / withdrawal registration, and at that time, if there is a change from the schedule such as deposit / withdrawal date and time, the registration details should be corrected based on the input from the operator. Become.

Similar to the automatic registration described above, there are two types of automatic mapping by the cash flow management system 100: automatic mapping performed based on the operation of the operator and automatic mapping performed at a predetermined timing. good.

The automatic mapping performed based on the operation of the operator is performed by the operator operating the client terminal 3 and instructing the cash flow management system 100 to perform the automatic mapping. The deposit / withdrawal handling unit 15 shown in FIG. 3 accesses the financial institution server 4 through the communication unit 18 and obtains the actual deposit / withdrawal record of the instructed account using the API published by the financial institution. The actual deposit / withdrawal record and the deposit / withdrawal schedule registered in the account database 11 are associated with each other based on a predetermined algorithm.

What kind of algorithm is adopted is arbitrary, but basically, the registered deposit / withdrawal schedule and the date / time of deposit / withdrawal (or only the date may be the same), the amount of deposit / withdrawal, and the deposit / withdrawal. Actual deposit and withdrawal records with matching deposits may be considered to correspond to each other. If the two do not match and the correspondence is unknown, the operator may be requested to confirm by displaying an appropriate dialog on the screen of the client terminal 3.

At this time, depending on the similarity between the registered deposit / withdrawal schedule and the actual deposit / withdrawal record, the presence / absence of confirmation to the operator and the processing may be changed. For example, it is presumed that there is a correspondence between deposit / withdrawal schedules and actual deposit / withdrawal records (those with different dates and times, and the amount and deposit / withdrawal destination are the same), which are highly similar. You only have to show and request confirmation. Deposit and withdrawal registration department 12 Therefore, it may be registered as a new deposit / withdrawal. In addition, the user will be separately alerted to the deposit / withdrawal schedule for which the corresponding actual deposit / withdrawal cannot be found even though the scheduled deposit / withdrawal date has arrived.

Further, the automatic association of deposits and withdrawals may be automatically executed by the cash flow management system 100 at the specified date and time by designating the date and time for automatic association by the operator in advance. The operation itself of the automatic mapping may be the same as the case of the automatic mapping performed based on the operation of the operator described above, but since it is considered that the operator is absent, the deposit / withdrawal schedule is estimated to have a correspondence relationship. It is not possible to confirm the actual deposit / withdrawal record or call attention to the deposit / withdrawal schedule for which the corresponding actual deposit / withdrawal record cannot be found at the time of executing the automatic mapping. Therefore, confirmation and alerting about these may be notified to the operator by various means such as a system message to be displayed when the operator next accesses the cash flow management system 100 or e-mail.

It is also desirable that the date and time for automatic association can be specified so that the date and time can be specified to be repeated periodically. By executing such automatic mapping at a fixed time every day or every week, for example, the account balance can be grasped more accurately, and it can be quickly discovered that the deposit / withdrawal schedule has not been executed.

By automatically associating the cash flow management system 100 in this way, the total number of deposit / withdrawal schedules that require actual confirmation by the operator and correction input of information is greatly reduced, and work efficiency is remarkably reduced. At the same time as improving and reducing human error, it is possible to grasp the account balance more accurately.

The timing settings for automatically registering deposits and withdrawals, adjusting the balance, and associating deposits and withdrawals as described above are the timing settings provided in the deposit / withdrawal registration unit 12, the deposit / withdrawal handling unit 13, and the balance adjustment unit 15, respectively. It is done by parts 20, 21 and 22. The timing setting units 20, 21 and 22, respectively, display an appropriate user interface on the screen of the client terminal 2 and prompt the operator to set a desired timing.

FIG. 7 is an example of a user interface presented to the operator by the deposit / withdrawal registration unit 12 and the deposit / withdrawal schedule registration unit 13. The cash flow management system 100 according to the present embodiment uses a common user interface for registration of deposits and withdrawals and registration of scheduled deposits and withdrawals, but these may be provided separately. The illustrated user interface is displayed on the monitor of the client terminal 3, and the operator inputs and registers necessary items using an appropriate input device 1e.

In the same user interface, "Confirm" and "Schedule" at the top specify whether the information to be registered is deposit / withdrawal or scheduled to be deposited / withdrawn by the operator selecting either of them. It is a thing. The operator also includes the deposit / withdrawal date and time (which refers to the scheduled deposit / withdrawal date and time if a deposit / withdrawal schedule is selected), deposit / withdrawal distinction, deposit / withdrawal destination, account to which deposit / withdrawal is made, and the amount of deposit / withdrawal. By entering the necessary information and selecting "Registration" located at the bottom, the deposit / withdrawal or deposit / withdrawal schedule is registered in the account database 11 for the designated account.

Additional information may be registered for deposits and withdrawals and deposit and withdrawal schedules. In the example of FIG. 7, the contents of deposits and withdrawals can be registered for convenience of management, but in addition to this, the date when the transaction is completed and the deposit and withdrawal date and time separately from the deposit and withdrawal date and time accompanied by the movement of money By making it possible to register items such as accounting subjects, it may be possible to create accounting materials later from the information registered in the account database 11.

FIG. 8 is a flow chart showing an example of processing by the deposit / withdrawal registration unit 12. The software component of the deposit / withdrawal registration unit 12 is called and executed when the operation by the operator or the timing set by the timing setting unit 20 arrives.

First, the deposit / withdrawal registration unit 12 determines in step S101 whether or not the deposit / withdrawal registration has been executed based on the arrival of the timing set by the timing setting unit 20. If the scheduled timing has arrived, the process proceeds to step S105, and if not, the process proceeds to step S102. In step S102, it is further determined whether or not the user requests automatic registration. If the automatic registration instruction is given, the process proceeds to step S105, otherwise the process proceeds to step S103.

The processing after step S103 is registration by the deposit / withdrawal operator using the user interface shown in FIG. 7. In step S103, the input of necessary information is received from the operator, and based on the registration instruction, the deposit / withdrawal is registered in the account database 11 designated in step S104, and the process is completed.

On the other hand, in the case of Y in step S101 and step S102, the process proceeds to the process after step S105, and automatic registration is performed. In step S105, the financial institution server 4 is connected to the financial institution server 4 by using the API, and the actual deposit / withdrawal records for the necessary (or all) accounts are acquired. At this time, since it is not necessary to acquire duplicate information about the information of the period for which the actual deposit / withdrawal record has already been acquired, it may not be acquired, that is, it may not be requested from the financial institution server 4.

Proceeding to the following step S106, attention is paid to one of the acquired actual deposit / withdrawal records that has not yet been paid attention to. When the first step S106 is executed, all of the acquired actual deposit / withdrawal records have not yet been paid attention to. Next, the process proceeds to step S107, and it is determined whether the actual deposit / withdrawal record of interest matches the deposit / withdrawal already registered in the account database 11. If they match, it means that the deposit / withdrawal related to the actual deposit / withdrawal record of interest has already been registered in the account database 11 by the operator or by the previous automatic registration, so do nothing in particular. It is not necessary, and the process proceeds to step S109. If they do not match in step S107, the process proceeds to step S108, and the deposit / withdrawal is registered in the account database 11 based on the actual deposit / withdrawal record.

Regardless of whether the deposit / withdrawal is registered or not, the process proceeds to step S109, and it is determined whether or not the acquired actual deposit / withdrawal record still remains unfocused. If there is an unfocused actual deposit / withdrawal record, the process returns to step S106, and all the acquired actual deposit / withdrawal records are paid attention to, and the process is repeated until either the deposit / withdrawal is registered or not. If there is no unfocused actual deposit / withdrawal record and all the processes have been completed, the deposit / withdrawal registration unit 12 finishes the process.

FIG. 9 is a flow chart showing an example of processing by the deposit / withdrawal schedule registration unit 13. The software component of the deposit / withdrawal schedule registration unit 13 is called and executed in response to an operation by the operator, and the process is registration by the operator of the deposit / withdrawal schedule using the user interface shown in FIG. 7.

That is, in step S201, the input of necessary information is received from the operator, and based on the registration instruction, the deposit / withdrawal schedule is registered in the account database 11 designated in step S202, and the process is completed.

The "transfer" included in the B part of the account database 11 shown in FIG. 4 means the transfer of money between the accounts managed by the cash flow management system 100, which is the transfer of the transfer source account. It is a type of deposit and withdrawal because it is understood as a deposit of money and the account of the transfer destination. However, in practice, it is distinguished from simple deposits and withdrawals, and it is unreasonable to require the operator to enter paired withdrawals and deposits separately, so the deposit and withdrawal registration unit 12 and deposits and withdrawals In the case of transfer registration, the money schedule registration unit 13 may display a dedicated user interface different from that shown in FIG. 7 on the screen of the client terminal 3.

FIG. 10 is a diagram showing an example of a user interface commonly used by the deposit / withdrawal registration unit 12 and the deposit / withdrawal schedule registration unit 13 when registering deposits and withdrawals as a transfer. Here, by specifying the transfer source account, the transfer destination account, the date and time, and the amount of money, deposits and withdrawals corresponding to the account database 11 related to each account are registered at the same time. Further, as in the case of the one shown in FIG. 7, it is possible to register the transfer schedule as well as the actual transfer.

FIG. 11 is an example of a user interface presented to the operator by the balance adjustment unit 15. In the same user interface, the operator inputs and registers the date and time for adjusting the balance, the account and the specified adjustment amount (indicated simply as "amount" on the user interface) based on the actual balance of the actual account. ..

FIG. 12 is a flow chart showing an example of processing by the balance adjustment unit 15. The software component of the balance adjustment unit 15 is called and executed when the operation by the operator or the timing set by the timing setting unit 21 arrives.

First, in step S301, the balance adjustment unit 15 determines whether or not the balance adjustment is executed based on the arrival of the timing set by the timing setting unit 21. If the scheduled timing has arrived, the process proceeds to step S306, otherwise the process proceeds to step S302. In step S302, it is further determined whether or not the user requests automatic registration. If the automatic registration instruction is given, the process proceeds to step S306, otherwise the process proceeds to step S303.

The processing after step S303 is registration by the deposit / withdrawal operator using the user interface shown in FIG. After receiving the input of necessary information from the operator in step S303, the account balance calculation unit 16 in the following step S304 sets the account balance of the corresponding account at the date and time to be adjusted by the operator in the account database 11. It is calculated based on, and the difference is calculated as an amount.

After that, in step S305, the adjustment amount is registered in the designated account database 11 together with the calculated amount, and the process is completed.

On the other hand, in the case of Y in step S301 and step S302, the process proceeds to the process after step S306, and automatic registration is performed. In step S306, the financial institution server 4 is connected to the financial institution server 4 using the API, and the actual balance at that time is acquired.

Further, in step S307, the account balance at the time of acquisition of the actual balance is calculated by the account balance calculation unit 16 based on the account database 11 related to the designated account, and the difference from the actual balance is calculated as the amount. Although the acquisition time of the actual balance depends on the response speed of the financial institution server 4 and the communication environment, it is usually considered that there is a difference of at most several seconds from the time when the processing by the balance adjustment unit 15 is executed. If this difference can be ignored, the account balance may be calculated at the present time or at the timing of automatic registration.

After that, the process is moved to step S305, the adjustment amount is registered in the designated account database 11 together with the calculated amount, and the process is completed.

FIG. 13 is a flow chart showing an example of processing by the recalculation unit 19 of the balance adjustment unit 15. The software component of the recalculation unit 19 is called and executed when some change is made to the information contained in the part B (see FIG. 4) of the account database 11. The changes mentioned here include additions and deletions of some new information, as well as changes in registered contents.

First, in step S401, the recalculation unit 19 determines whether or not an unfocused adjustment amount remains in the account database 11 in which some change has been made. At the time when step S401 is first executed, the adjustment amount of interest does not yet exist. Therefore, unless no adjustment amount has been registered, this determination is affirmative, and the process proceeds to step S402. move on. If the adjustment amount has not been registered, this determination is negative, and the recalculation unit 19 ends the process.

In step S402, attention is paid to the earliest unfocused adjustment amount included in the account database 11, that is, the earliest date and time. Then, in the following step S403, it is determined whether or not the date and time of the change made to the account database 11 is earlier than the date and time of the adjustment amount of interest.

This is because the amount of the adjustment amount may fluctuate if there is a change in the information before the date and time of the registered adjustment amount. If the result is affirmative in step S403, the process proceeds to step S404, the amount of the adjustment amount of interest is recalculated, and the registered contents are corrected. This recalculation may be performed by the same method as that performed at the time of registration of the adjustment amount, that is, the account balance at the date and time of the adjustment amount of interest is calculated by the account balance calculation unit 16 and is included in the adjustment amount of interest. The difference from the designated adjustment amount is calculated as a new amount. When recalculating this amount, the actual balance at the time of adjustment is already stored in the account database 11 as the specified adjustment amount, so the operator may be requested to enter the actual balance again, or the financial institution server 4 You don't have to get it from.

Regardless of whether the amount is recalculated (step S404) or not (denied in step S403), the process is returned to step S401, and the above process is repeated until there is no unfocused adjustment amount. .. As a result, all the registered adjustment amounts are automatically corrected to the correct ones, so even if you later enter information such as past deposits and withdrawals, or make corrections or deletions. However, it will be possible to grasp the transition of the account balance in the future as an accurate one.

FIG. 14 is an example of a user interface presented to the operator by the deposit / withdrawal handling unit 14. When the operator selects the registered deposit / withdrawal schedule, the user interface is displayed on the screen of the client terminal 3 and the registered contents of the deposit / withdrawal schedule are shown. The operator compares the actual deposit / withdrawal with the displayed registration details of the deposit / withdrawal schedule, and if there are no mistakes, selects "Confirm and register". As a result, the registered deposit / withdrawal schedule is re-registered as deposit / withdrawal without changing the registered contents. If there is a change in the registered contents of deposits and withdrawals, the operator selects "Modify registered contents" and makes necessary corrections. In this case, the deposit / withdrawal handling unit 14 may present a user interface similar to the user interface shown in FIG. 7 again and accept the input of necessary information.

Further, FIG. 15 shows a user presented when the deposit / withdrawal interface unit 14 requests the operator to confirm the correspondence between the deposit / withdrawal schedule and the actual deposit / withdrawal record, which are presumed to have a correspondence relationship, when the deposit / withdrawal interface 14 automatically associates with each other. This is an example of an interface. The registered contents of deposits and withdrawals estimated that the deposit and withdrawal correspondence parts 14 do not completely match but are in a correspondence relationship are on the left side of the user interface, and the actual deposit and withdrawal records acquired from the financial institution server 4 are on the right side of the user interface. , The positions of each item are aligned for easy comparison.

The operator confirms the presented deposit / withdrawal schedule and the actual deposit / withdrawal record, and if both correspond, select "Confirm and Next". In that case, the deposit / withdrawal schedule is re-registered as deposit / withdrawal by changing the information different from the actual deposit / withdrawal record to the correct information (information in the actual deposit / withdrawal record). In addition, the operator selects "they are different" if the presented deposit / withdrawal schedule and the actual deposit / withdrawal record do not correspond and are different. In this case, the deposit / withdrawal record is not changed, and the actual deposit / withdrawal record whose correspondence is estimated is registered in the account database 11 by the deposit / withdrawal registration unit 12 as a new deposit / withdrawal.

The deposit / withdrawal handling unit 14 repeatedly presents this user interface as long as there is an actual deposit / withdrawal record acquired from the financial institution server 4 that is estimated to have a correspondence relationship with the registered deposit / withdrawal schedule, and is operated by the operator. Request confirmation.

FIG. 16 is a flow chart showing an example of processing by the deposit / withdrawal corresponding unit 14. The software component of the deposit / withdrawal handling unit 14 is called and executed when the operation by the operator or the timing set by the timing setting unit 22 arrives.

First, in step S401, the deposit / withdrawal correspondence unit 14 determines whether or not the execution of the association is performed based on the arrival of the timing set by the timing setting unit 21. If the scheduled timing has arrived, the process proceeds to step S405, otherwise the process proceeds to step S402. In step S402, it is further determined whether or not the user requests automatic registration. If the automatic association instruction is given, the process proceeds to step S405, otherwise the process proceeds to step S403.

The processing after step S403 is confirmation by the operator scheduled to deposit and withdraw using the user interface shown in FIG. In step S403, confirmation from the operator and input of necessary correction information are received, the deposit / withdrawal schedule specified in step S404 is re-registered as deposit / withdrawal, and the process is completed.

On the other hand, in the case of Y in steps S401 and S402, the process proceeds to the processes after step S405, and automatic association is performed. In step S405, the financial institution server 4 is connected to the financial institution server 4 by using the API, and the actual deposit / withdrawal records for the necessary (or all) accounts are acquired. Even at this time, since it is not necessary to acquire duplicate information for the information of the period for which the actual deposit / withdrawal record has already been acquired, it may not be acquired, that is, it may not be requested from the financial institution server 4.

Proceed to the following step S406, and pay attention to one of the acquired actual deposit / withdrawal records that has not yet been paid attention to. When the first step S406 is executed, all of the acquired actual deposit / withdrawal records have not yet been paid attention to. Next, the process proceeds to step S407, and it is determined whether the actual deposit / withdrawal record of interest matches any of the deposit / withdrawal schedules already registered in the account database 11. If they match, the correspondence between the deposit / withdrawal related to the actual deposit / withdrawal record of interest and the matching deposit / withdrawal schedule is clear, so proceed to step S413 and deposit / withdraw the corresponding deposit / withdrawal schedule. Re-register as.

In step S407, if the actual deposit / withdrawal record of interest does not match any of the deposit / withdrawal schedules already registered in the account database 11, step S408 is completed and the actual deposit / withdrawal record of interest is included. It is determined whether or not the information is fairly common with the information included in any of the deposit / withdrawal schedules already registered in the account database 11, and the correspondence between the two is estimated.

If this determination is affirmative, that is, if there is a deposit / withdrawal schedule that is presumed to correspond to the actual deposit / withdrawal record of interest, step S409 presents a user interface as shown in FIG. , Request confirmation by the operator. If the process is being executed due to the arrival of the scheduled timing in step S401, the confirmation in step S409 is suspended, and the confirmation is performed again when the operator accesses the cash flow management system 100. Make sure to execute the process.

In the following step S410, if the operator's confirmation result has a correspondence relationship, the process proceeds to step S413, and the corresponding deposit / withdrawal schedule is re-registered as a deposit / withdrawal. On the other hand, if the operator's confirmation result is unrelated, the process proceeds to step S411, and the deposit / withdrawal registration unit 12 registers the actual deposit / withdrawal record of interest as a new deposit / withdrawal.

Further, if the determination in step S408 is negative, that is, there is no deposit / withdrawal schedule that is presumed to correspond to the actual deposit / withdrawal record of interest, there is no deposit / withdrawal schedule corresponding to the actual deposit / withdrawal record. Therefore, the process proceeds to step S411, and the actual deposit / withdrawal record of interest is registered as a new deposit / withdrawal.

Regardless of whether the new deposit / withdrawal registration in step S411 or the re-registration as deposit / withdrawal in step S413 is performed, the process proceeds to step S412, and among the acquired actual deposit / withdrawal records, is there still an unfocused record? To judge. If there is an unfocused actual deposit / withdrawal record, the process returns to step S406, and the process is repeated until all the acquired actual deposit / withdrawal records are noticed and processed. If there is no unfocused actual deposit / withdrawal record and all the processes have been completed, the deposit / withdrawal handling unit 14 ends the process.

Further returning to FIG. 2, the cash flow management system 100 includes a graphing unit 17 for graphing the transition of the account balance. The graphs shown by the graphing unit 17 may be of various known ones, but as a means of facilitating the future transition of the balance of the account managed and grasped by the cash flow management system 100, At least the graph illustrated in FIG. 17 below may be included.

FIG. 17 is a diagram showing an example of a graph shown by the graphing unit 17. In this graph, one orthogonal axis (horizontal axis in the example of FIG. 17) is the time axis showing the transition of the account balance, and the other axis (vertical axis in the example of FIG. 17) is the amount of money. The balance of each account managed and grasped by the cash flow management system 100 at one or more time points is shown as a stacked bar graph, and the total balance of each account is shown by dots.

FIG. 17 shows the monthly transition of the account balances of account A, account B, and account C from January to March 2020. At this time, if each account balance at each time on the time axis is a positive value, it is shown as a stacked bar graph in the positive direction starting from the axis indicating that the amount is 0 (in the figure, January 2020 and February 2020). On the other hand, when the account balance at a certain point in time has a negative value, the balance of the account showing a negative value is shown as a stacked bar graph in the negative direction starting from the axis showing the amount of 0 (Fig.). Among them, account B in March 2020 corresponds).

Then, the total of each account balance is shown on the graph as a whole, and in the example of FIG. 17, the transition of the total of each account balance during the time when the stacked bar graph is shown is shown by a solid line. In addition, each account balance is color-coded or hatched differently from each other, and is shown in a manner that can be distinguished at a glance.

In this way, the graphing unit 17 is an account with a positive account balance as a stacked bar graph extending in the negative direction with respect to the axis indicating 0 when the account balance at a specific time point is negative for each account. It is shown so that it can be clearly distinguished from. For the operator or manager who saw the graph shown in FIG. 17, it is predicted that as of March 2020, account B will run out of balance and a shortage of funds will occur even though the total amount of funds is sufficient. It shows that it will be done.

Therefore, the operator or manager who sees this graph reads the bar graph and totals piled up in the negative direction from the graph, and finds out the margin of funds on hand and the need to move funds between accounts to prevent shortage of funds. It can be grasped immediately. In addition, based on the balance read from the graph showing each account and its transition, when transferring funds between accounts, it is possible to quickly make a decision as to which account should be transferred to which account. be able to.

Furthermore, since it is possible to visualize future changes in the total of each account balance, which is difficult to understand if the transition of each account balance is viewed individually, it can be useful for decision-making such as financing and investment timing. These effects become more effective because the registration of the adjustment amount described above makes it possible to accurately grasp the account balance in the future.

1 computer, 1a CPU, 1b RAM, 1c external storage device, 1d GC, 1e input device, 1f I / O, 1g data bus, 1h monitor, 2 server, 3 client terminal, 4 financial institution server, 10 user information database, 11 Account database, 12 Deposit / withdrawal registration department, 13 Deposit / withdrawal schedule registration department, 14 Deposit / withdrawal correspondence department, 15 Balance adjustment department, 16 Account balance calculation department, 17 Graphing department, 18 Communication department, 19 Recalculation department, 20 Timing setting unit, 21 timing setting unit, 22 timing setting unit, 100 cash flow management system.

Claims (7)

A means of registering deposits and withdrawals in an account along with the time of deposits and withdrawals,
A means of registering the deposit / withdrawal schedule of the account together with the scheduled deposit / withdrawal time,
A means of calculating the account balance at any point in time,
A means of adjusting the account balance at a specific point in time to the actual account balance,
Have a,
The adjusting means is
A means for registering an adjustment amount for adjusting the account balance to the actual account balance by adding to the account balance calculated at the specific time point.
It has a means for recalculating the adjustment amount when an element that changes the account balance is registered at a time point earlier than the specific time point.
Cash flow management system. Equipped with a communication unit that communicates with financial institution servers
The adjusting means adjusts the account balance by using the actual balance of the account acquired from the financial institution server via the communication unit as the actual account balance .
The cash flow management system according to claim 1. The adjusting means has a means for designating at least a specific date or a date and time that is periodically repeated as a timing for acquiring the actual balance of the account from the financial institution server via the communication unit.
The cash flow management system according to claim 2. Equipped with a communication unit that communicates with financial institution servers
It has a means for associating the actual deposit / withdrawal record of the account acquired from the financial institution server via the communication unit with the deposit / withdrawal schedule and re-registering it as a deposit / withdrawal.
The cash flow management system according to claim 1. The re-registration means requires the operator to confirm at least one of the actual deposit / withdrawal record and the deposit / withdrawal schedule for which the correspondence is unknown.
The cash flow management system according to claim 4. The means for re-registering has a means for designating at least a specific date or a date and time that is periodically repeated as a timing for acquiring the actual deposit / withdrawal record of the account from the financial institution server via the communication unit.
The cash flow management system according to claim 4 or 5. For a plurality of the accounts, if the calculated account balance is a positive value at at least one time point on the time axis, the calculated account balance is negative as a stacked bar graph from 0 in the positive direction. If it is a value, it is shown as a bar graph stacked in the negative direction from 0 in a manner in which the plurality of accounts can be distinguished from each other.
The total of the calculated balances of the plurality of accounts at the time point is shown on the graph.
Have a means to graph the transition of the account balance,
The cash flow management system according to any one of claims 1 to 6.

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