JPH04299453A - Accounts settling system for banking system - Google Patents

Abstract

PURPOSE:To improve the laboring environment by executing the account settling processing in parallel with the normal money reception/payment processing and therefore eliminating the limitation applied to the data and the time when the accounts settling processing is allowed. CONSTITUTION:An accounts settling processing means 5 perform the accounts settling processing based on the instruction data of an accounts settling processing instruction data file 10. At the same time, a money reception/payment transaction processing means 4 performs the money reception/payment transaction processing with an on-line transaction carried out through a terminal 1. Then an account ledger state check processing means 6 decides whether the processing subject account is already settled or not in the money reception/ payment transaction processing state. If so, an accounts settling cancel processing means 7 invalidates the relevant accounts settling processing to reset the state set before the accounts settling processing. Then an accounts resettling processing means 8 performs the accounts settling processing again to the corresponding account when the money reception/payment processing is complete after the settlement of accounts is canceled.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement processing method for a banking system.

0002

2. Description of the Related Art Conventionally, this type of settlement processing has been carried out on Sundays, when banks are closed. This is because it was thought that transactions could not be finalized and settlements could not be completed on weekdays when deposits and withdrawals could be made to each account.

0003

[Problem to be Solved by the Invention] As mentioned above, settlement processing in conventional banking systems could only be carried out on Sundays, etc., making it unavoidable for bank employees to work on holidays.
The disadvantage was that the working environment was poor.

[0004] Furthermore, with the increase in the number of accounts and the amount of data, it has become difficult to complete the settlement process in one day, such as Sunday.

[0005] The present invention has been proposed in view of the above points, and its purpose is to speed up the settlement process by making it possible to execute the settlement process in parallel with the normal deposit/withdrawal process from the terminal. The purpose of the present invention is to provide a settlement processing method for a banking system that eliminates restrictions on the days and times that can be performed and improves the working environment.

[0006]

[Means for Solving the Problems] In order to achieve the above object, the present invention provides a settlement processing means for carrying out settlement processing based on instruction data of a settlement processing instruction data file, and processing of deposit and withdrawal transactions through online transactions from a terminal. a deposit/withdrawal transaction processing means for performing the deposit/withdrawal transaction processing; an account ledger status inspection processing means for determining whether or not the account to be processed has already been subject to settlement processing when processing the deposit/withdrawal transaction; The account settlement processing means is provided with a settlement cancellation processing means for invalidating and returning to the state before settlement processing, and a re-settlement settlement processing means for performing settlement processing on the account again after completion of the deposit/withdrawal transaction processing after cancellation.

[0007]

[Operation] In the settlement processing method of the banking system of the present invention, the settlement processing means performs settlement processing based on the instruction data of the settlement processing instruction data file, and in parallel, the deposit/withdrawal transaction processing means Deposit and withdrawal transactions are processed through online transactions from . In addition, when processing deposits and withdrawals, the account ledger status inspection processing means determines whether the account to be processed has already been processed for settlement, and if the account has already been processed for settlement, the settlement cancellation processing means invalidates the settlement processing. After the canceled deposit/withdrawal transaction processing is completed, the re-settlement processing means performs the settlement processing on the account again.

[0008]

Embodiments Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a banking system to which the settlement processing method of the present invention is applied.

In FIG. 1, the banking system of this embodiment is composed of a terminal 1 and a center device 2. As shown in FIG. Note that there are actually a plurality of terminals 1.

The center device 2 includes a transaction processing task 3 including a deposit/withdrawal transaction processing means 4, a settlement processing means 5, an account ledger status inspection processing means 6, a settlement cancellation processing means 7, a re-settlement processing means 8, and A data input/output processing task 9 and a settlement processing instruction data file 10 are provided. Furthermore, by providing a plurality of transaction processing tasks 3 and batch data input/output processing tasks 9, it is possible to increase the degree of multiplicity and improve processing performance.

[0011] To avoid duplication, the functions of each part will be explained through the following operations.

Activation of transaction processing task 3 is as follows:
There are two ways to do this: by inputting a message from the terminal 1 and by inputting a message from the batch data input/output processing task 9.

The settlement processing instruction data file 10 is a file in which data indicating the accounts to be subject to settlement processing is stored, and upon loading this settlement processing instruction data file 10, the batch data input/output processing task 9 is executed. will be activated.

The bulk data input/output processing task 9 performs input/output processing of the settlement processing instruction data file 10 and supplies instruction data to the transaction processing task 3 one by one.

In the transaction processing task 3, the settlement processing means 5 performs settlement processing based on the given instruction data. Here, the settlement process is performed based on information in a ledger file (not shown) of the account to be processed, and when the settlement process is completed, a predetermined display is added to the ledger file. This is repeated for each instruction data.

On the other hand, in response to an online transaction request from the terminal 1, the deposit/withdrawal transaction processing means 4 of the transaction processing task 3 processes the deposit/withdrawal transaction.

At this time, the account ledger status inspection processing means 6:
It is determined whether or not the account to be processed has already been settled by referring to the ledger file. That is, it is determined whether the predetermined display added by the settlement processing means 5 exists.

If settlement processing has not been performed for the account to be processed, the deposit/withdrawal transaction processing means 4 directly processes the deposit/withdrawal transaction.

Further, if the account to be processed has already been processed for settlement, the settlement cancellation processing means 7 invalidates the settlement process and returns the state to the state before the settlement process by operating on the ledger file. .

After this cancellation, the deposit/withdrawal transaction processing means 4 performs deposit/withdrawal transaction processing in the same manner as usual.

[0021] After the deposit/withdrawal transaction processing is completed, the resettlement processing means 8 performs the settlement processing for the account again.

[0022] Furthermore, since there are no restrictions on the processing of deposits and withdrawals through online transactions, it is possible to process deposits and withdrawals from terminal 1 again even for accounts that have undergone resettlement processing, and the above-mentioned The operation is the same as .

[0023]

[Effects of the Invention] As explained above, in the settlement processing method of the banking system of the present invention, settlement processing can be executed without contradiction in parallel with normal deposit and withdrawal processing by online transactions, so settlement processing can be performed. This has the effect of easing restrictions on days and hours, improving the working environment for bank employees, and making it possible to respond flexibly to increases in the number of accounts and amount of data. Specifically, settlement processing, which used to be done on a single day such as Sunday, can now be started from the previous Saturday, for example, when online operations are in operation, creating a significant amount of time. Become.

[Brief explanation of drawings]

FIG. 1 is a configuration diagram showing an embodiment of a banking system to which a settlement processing method of the present invention is applied.

[Explanation of symbols]

1...terminal 2...Center device 3...Transaction processing task 4... Deposit/withdrawal transaction processing means 5...Settlement processing means 6...Account ledger status inspection processing means 7...Settlement cancellation processing means 8...Re-settlement processing means 9...Batch data input/output processing task 10...Settlement processing instruction data file

Claims (3)

[Claims] [Claim 1] Settlement processing means that performs settlement processing based on instruction data of a settlement processing instruction data file, deposit and withdrawal transaction processing means that performs deposit and withdrawal transaction processing through online transactions from a terminal, and processing during deposit and withdrawal transaction processing. Account ledger status inspection processing means for determining whether or not the target account has already been subject to settlement processing, and settlement cancellation processing means for invalidating the settlement processing and returning to the state before settlement processing if settlement processing has been completed. A settlement processing method for a banking system, comprising: a re-settlement processing means for carrying out settlement processing again for the account after completion of deposit/withdrawal transaction processing after cancellation. 2. The banking system according to claim 1, further comprising a batch data input/output processing task that is activated upon loading of the settlement processing instruction data file and inputs and outputs instruction data of the settlement processing instruction data file. The system's settlement processing method. 3. Claim 1 or 2, characterized in that a settlement processing means, a deposit/withdrawal transaction processing means, an account ledger status inspection processing means, a settlement cancellation processing means, and a re-settlement processing means are provided in a transaction processing task. Settlement processing method of the banking system described.