JPH0652211A - Transaction processing system - Google Patents

Abstract

PURPOSE:To execute the transfer between accounts so as to be profitable and also, dynamic to a customer by executing the transfer so as to execute automatically a profitable fund employment based on customer's employment management information and the balance of a deposit. CONSTITUTION:The system holds an employment management information storage means for storing employment management information required for the employment of an account of each separate customer, an account master file 207, a balance master file, etc. In such a state, by referring to these pieces of information, transfer between various accounts which can be executed by each separate customer is designed by a transfer designing means 104. With respect to one or plural transfers designed in such a manner, the employment management information of the employment management information storage means is referred to, interest and/or danger are calculated by an employment calculating means 105 and based on its result, a transfer selecting means 106 selects a profitable transfer and executes automatically the transfer selected by a transfer executing means 107 and changes the information of the balance master file.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank transaction processing system, and more particularly to a transaction processing system capable of dynamically transferring between accounts when simultaneously managing a plurality of accounts such as a general account.

[0002]

2. Description of the Related Art At present, banks are handling accounts in which a time deposit account called a general account and a savings account are linked. According to this comprehensive account, when the balance of the customer's savings account is insufficient, a fixed amount can be automatically loaned to the customer with the time deposit account registered in advance as collateral.

Recently, in the above-mentioned comprehensive account, there is an automatic fund operation account with an automatic fund operation function. The automatic fund management function is to register in advance how much money, how long and for what kind of period it should be managed for the general account, and register it on the registration date (usually once a month). Is a function that checks whether the amount of money registered in the savings account has accumulated, and if so, automatically transfers the amount from the savings account to the type of time deposit account registered.

[0004]

[Problems to be Solved by the Invention] However, in the above-mentioned automatic fund management account, the customer asks "how much money, how long and for what kind of fixed period", and "the amount of money in the ordinary deposit. It is necessary to decide in advance and register the "registration date of when to check whether or not there is".

Therefore, even if a bank newly releases a time deposit that is more advantageous than the registered type of time deposit, it is not possible to easily change the investment destination to the advantageous time deposit. Also,
In order to re-register, it is necessary to go to the bank and perform the re-registration procedure, which takes time and effort for the customer. In addition, the re-registration procedure is not preferable for the bank as it is a time-consuming and crowded process. In addition, customers will not be able to operate profitably unless they always watch what kind of time deposits they have and how much they have in their accounts, which is extremely time consuming and troublesome for customers. .

[0006] Further, the deposit amount and the withdrawal amount of the customer's savings account change with the passage of time. However, as described above, it is not possible to easily change the operation destination period according to the change. Therefore, the amount of deposit to the ordinary deposit account is small at the time of registration, so if you register a "time deposit account with a short period, a small amount, and a low interest rate" as an investment destination, then the deposit amount of the ordinary deposit will be reduced. Even if the number increases, it will be transferred to a time deposit account with a low interest rate, and there is a problem that the customer's advantage is halved.

[0007] Similarly, the reverse, that is, the amount of money deposited into the savings account is large at the time of registration, so if a "time deposit account with a large amount of money and a high interest rate" is registered as the operation destination, then the amount of money deposited If there is a decrease in the amount of money, it may not be possible to operate with a time deposit forever. In other words, there is a problem that the customer can not enjoy the advantages of the time deposit, because the time deposit account can be operated with a small amount of money, but the account remains an ordinary savings account forever.

Further, in the above-mentioned fund automatic operation account, although the ordinary deposit is transferred to the time deposit registered in advance, the opposite is true, that is, when the balance of the account of the ordinary deposit becomes insufficient (registration in advance. It does not cancel the term deposit and transfer it to a savings account by simply lending a fixed amount to the term deposit account. Therefore, although it is advantageous for the customer to cancel the fixed period, transfer the amount to ordinary deposit, and lower the amount, it may not be possible and it may be disadvantageous to the customer. There is a problem.

[0009] In other words, an account in which the operation is pre-registered and the operation method is fixed as in the prior art may impair the customer's profit, and re-registration is a time-consuming and troublesome process for both the customer and the bank. There is a problem.

In view of the above-mentioned problems in the conventional example, the present invention provides a bank transaction processing system that can dynamically transfer between accounts in a manner that is advantageous to the customer and suitable for the customer at that time. The purpose is to do.

[0011]

In order to achieve the above object, a transaction processing system according to a first aspect of the present invention includes a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, And a processing device including a balance master file that stores a deposit balance for each customer and each account,
In a transaction processing system including a plurality of terminal devices that accept transaction data input and a transmission line that exchanges information between the processing device and the terminal device, operation necessary for account operation for each customer Operation management information storage means for storing management information, transfer design means for designing transfer between various accounts that can be performed for each customer by referring to the information of the account master file and the information of the balance master file, and the transfer For one or a plurality of transfers designed by the design means, referring to the operation management information in the operation management information storage means, an operation calculation means for calculating interest and / or risk, and calculation of the operation calculation means A transfer selecting means for selecting an advantageous transfer based on the result, and a transfer executing means for automatically executing the transfer selected by the transfer selecting means and changing the information of the balance master file. Characterized in that was.

Further, the transaction processing system according to the second aspect of the present invention stores a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, and a deposit balance for each account for each customer. In a transaction processing system including a processing device including a balance master file, a plurality of terminal devices for receiving input of transaction data, and a transmission path for exchanging information between the processing device and the terminal device,
Operation management information storage means for storing operation management information necessary for account operation for each customer, and when the customer accesses the balance master file from the terminal device, information of the account master file and information of the balance master See
Transfer designing means for designing transfer between various accounts possible in the accessed customer's account, transferable information storage means for storing one or more transfers designed by the transfer designing means, and transferable information storage A transfer alarm means for displaying information indicating that a transfer stored in the means exists on the accessed terminal device.

For the display by the transfer alarm means,
When there is an instruction from the terminal device by the customer, a transfer content display means for displaying the transfer content stored in the transferable information storage means, and an input for executing one of the displayed transfer by the customer. When there is, the transfer may be automatically executed, and a transfer executing means for changing the information of the balance master file may be further provided.

Further, in response to a display from the transfer alarm means by the customer from the terminal device, the transferable information storage is performed by referring to the operation management information in the operation management information storage means. The operation calculation means for calculating interest and / or risk for one or a plurality of transfers stored in the transfer means, and the transfer contents stored in the transferable information storage means, and the calculation result of the operation calculation means are displayed. Calculation result display means, and transfer execution means for automatically executing the transfer and changing the information in the balance master file when the customer inputs one of the displayed transfers. May be provided.

Further, the transaction processing system according to the third aspect of the present invention stores a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, and a deposit balance for each account for each customer. In a transaction processing system including a processing device including a balance master file, a plurality of terminal devices for receiving input of transaction data, and a transmission path for exchanging information between the processing device and the terminal device,
Operation management information storage means for storing operation management information necessary for account operation for each customer, and when the customer accesses the balance master file from the terminal device, information of the account master file and information of the balance master See
Transfer design means for designing transfer between various accounts possible in the accessed customer's account, and operation management information of the operation management information storage means for one or a plurality of transfers designed by the transfer design means. With reference to the operation calculation means for calculating interest and / or risk, a transfer selection means for selecting the most advantageous transfer based on the calculation result of the operation calculation means, and a transfer selection for storing the selected transfer It is characterized by comprising information storage means and transfer alarm means for displaying information indicating that there is a transfer stored in the transfer selection information storage means on the accessed terminal device.

In this case as well, in response to the display by the transfer alarm means, the transfer content display means for displaying the transfer content stored in the transferable information storage means when the customer gives an instruction from the terminal device. And a transfer executing means for automatically executing the transfer and changing the information of the balance master file when the customer inputs the displayed transfer. .

[0017]

According to the transaction processing system of the first aspect, the transfer designing means refers to the information of the account master file and the information of the balance master file for each fixed period such as every day and for each customer, Design transfers between various accounts that are possible for each customer. The operation calculation means calculates interest and risk for the designed transfer by referring to the operation management information in the operation management information storage means. The transfer selecting means selects the most advantageous transfer based on the calculation result, based on a criterion such as the highest interest rate and the lowest risk level. The transfer executing means automatically executes the selected transfer and changes the information in the balance master file. As a result, it is possible to dynamically and automatically perform the fund management that is advantageous to the customer across the accounts. There is no need for time-consuming and labor-intensive procedures for customers and banks, such as the conventional registration change.

Further, according to the transaction processing system in the second aspect, the transfer designing means, when the customer accesses from the terminal device for deposit, withdrawal, balance inquiry, etc., information and balance of the account master file. Design the transfer between various accounts that can be made to the accessing customer by referring to the information in the master file. Here, the designed transfer content is stored in the transferable information storage means. Then, the transfer alarm means displays the information that there is a possible transfer on the terminal device. As a result, the customer can know that he / she can manage the money with the current balance when he / she deposits / withdraws, even if he / she is not particularly careful.

Further, when the customer gives an instruction to display the alarm contents, the stored transfer contents are displayed from the terminal device, and further, the customer inputs an instruction to execute one of the displayed transfers. If there is, the transfer is executed and the information in the balance master file is changed. As a result, although the operation between accounts is not automatically performed, it is possible to perform the operation between accounts that is advantageous to the customer after obtaining the approval of the customer. In addition, the customer can select from among several possible transfers. That is, the customer can easily instruct and execute a more advantageous operation after depositing and withdrawing money without paying special attention.

According to the transaction processing system of the third aspect, the most advantageous transfer determined by the system can be notified to the customer, and the transfer can be automatically executed in response to the instruction from the customer.

[0021]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram of a transaction processing system showing an embodiment of the present invention. FIG. 2 is a detailed configuration diagram of the CPU 11 and the file 12 of the transaction processing system of FIG.
Specific configuration examples of each file are shown in FIGS. 3 to 9.

As shown in FIG. 1, the transaction processing system of this embodiment has a large processing device 1, a plurality of terminal devices 2,
2 ', and a transmission line 3 connecting the processing device 1 and the terminal device (ATM) 2, 2'. The processing device 1 includes a processor (hereinafter abbreviated as CPU) 11, an external storage device (hereinafter abbreviated as file) 12, and an interface 13. The terminal devices 2 and 2'include display devices 6 and 6'such as CRTs, input devices 7 and 7'such as keyboards, and interfaces 23 and 23 ', respectively. The transmission line 3 is connected to a telephone line via a modem or an acoustic coupler,
It may be connected to a dedicated line.

Although only two terminal devices are shown in FIG. 1, it may be considered that more terminal devices are connected. Further, here, an example in which a plurality of terminal devices 2 are connected to one processing device 1 will be described, but a plurality of processing devices 1 may be configured.

As shown in FIG. 2, the file 12 is a customer file 201 that stores the transaction status of each customer, an ordinary file 202 that stores the balance of ordinary savings, and a regular file 203 that stores the status of time deposits. A normal history file 204 that stores the history of ordinary deposits, a fixed history file 205 that stores the history of fixed deposits, and a management file 20 that stores information for managing the transaction amount of customers.
6 and an account master file 207 for storing conditions such as interest on ordinary deposits, interest on various time deposits, and period. Here, customer file 201, ordinary file 2
02, regular file 203, normal history file 204,
The periodic history file 205 is the same as that used in a conventionally known bank transaction processing system,
You can use a different file as long as it has the same information.

The outline of each file is shown below.

FIG. 3 shows an example of the format and contents of the customer file 201. The customer file 201 is a file showing the transaction status of each customer. Customer file 201
Stores the account number of ordinary deposits, the account number of fixed deposits, and the presence or absence of various services such as automatic withdrawal and salary transfer, using the customer number as a key. For example, as a service,
There are various utility bill withdrawals and salary transfers. In FIG. 3, the customer with the customer number 123456 has a savings account number of 111111 and a time deposit account number of 22222.
2 shows that all services from service 1 to service 3 are performed. In the service column, "1" indicates that the service is provided, and "0" indicates that the service is not provided.

FIG. 4A shows an example of the format and contents of the ordinary file 202. The ordinary file 202 is a file that stores the balance of ordinary deposits and the like. The ordinary file 202 stores the balance, the number of products, the history address, and the number of unregistered accounts of each account number with the account number of the ordinary deposit as a key. The product number is the number of balances added daily to calculate interest. The history address is an address in the normal history file 204 that stores the transaction history of the unrecorded book corresponding to the account number. The unrecorded book number is the number of unrecorded records stored at the position of the history address of the normal history file 204.

For example, in FIG. 4A, account number 1
11111 (customer number 12 in the customer file 201 in FIG. 3)
The savings account of 3456 customers' savings account has a balance of 182,400 yen, the number of products from the day after the previous interest calculation date is 30,000,000, and there are 12 unrecorded records. It is shown that.

FIG. 4B shows an example of the format and contents of the normal history file 204. Ordinary history file 20
Reference numeral 4 is a file for storing a history of ordinary deposits, which is to be described later in a passbook. The ordinary history file 204 stores the date of transaction occurrence, a symbol indicating deposit or withdrawal, an outline indicating the contents, an amount, and a balance. Figure 4 (b)
In FIG. 4, the position of “→” indicates the position of the address described in the record history address of the account number 111111 of the ordinary file 202 in FIG. 4A. Twelve records from this position are unregistered for this account number.

FIG. 5A shows an example of the format and contents of the fixed term file 203 for storing the status of fixed term deposits.
The fixed-term file 203 stores the address of the fixed-term history file 205 which stores the number of fixed-term deposits of each account number and the transaction history of the fixed-term deposit, with the account number of the fixed-term deposit as a key. In FIG. 5A, it is shown that the customer of the account number 222222 of the time deposit (the customer of the customer number 123456 of the customer file 201 of FIG. 3) has three terms.

FIG. 5B shows an example of the format and contents of the fixed-term history file 205 that stores the fixed-term deposit history of fixed-term deposits. The regular history file 205 stores regular handling dates, regular names, interest rates, maturity dates, amounts of money, and the like. In FIG. 5B, the position of “→” is shown in FIG.
Account file 222222 record of regular file 203 of
The position of the address described in the history address of the command is shown. Three records from this position (since the regular number of the regular file is 3) is the regular information of this account number.

FIG. 6A shows an example of the format and contents of the management file 206 that stores the information for managing the transaction amount of the customer. The management file 206 stores the various time-series information regarding the deposit / withdrawal of the ordinary deposit of each account number with the account number of the ordinary deposit as a key. The information stored in the management file 206 is basic information for predicting future deposits / withdrawals of the ordinary deposit of each account number, and whether or not it is possible to withdraw even a certain amount of money from the ordinary deposit to the time deposit. This information is used to judge the degree of danger. For example, time series information is stored for each account number, such as at what interval, when, and how much the gas fee will be deducted on average.

In FIG. 6A, the account number 11111
1 savings account is deducted as an average of 5,000 yen on the 2nd day of each month as service 1 (electricity charge), and service 2
It is recorded that the average of 150,000 yen is transferred as the (salary transfer) on the 20th day of every month, and the average monthly payment is 100,000 yen. In the present embodiment, the average amount of money is stored, but the upper limit amount of money or the lower limit amount of money may be stored instead of the average. May be stored. That is, the information that can be used to determine the degree of risk may be stored.

FIG. 6B shows an account master file 207 which stores interests of ordinary deposits, interests of various time deposits, and conditions such as period. According to FIG. 6 (b), the current interest on the ordinary deposit is 2%, and the time deposit A can be deposited in the unit of 1 million yen or more to 100,000 yen.
The interest rate from January to the present year is 4% for one year and 5% for three years, and the time deposit B is 3 million yen or more 1
It can be seen that the interest rate from January 1990 to the present is 4.5% for one year and 5.5% for three years since the deposit can be made in units of, 000,000 yen.

Referring again to FIG. 2, the CPU 11 has the online transaction processing unit 101, the daily processing unit 102, the period processing unit 103, the transfer designing unit 104, the operation calculation unit 105, the transfer selecting unit 106, and the transfer executing unit 107. , And the overall control unit 11
It has 0.

The online transaction processing unit 101 follows the ordinary history file 20 in accordance with the input of the ordinary deposit amount such as deposit and withdrawal and transfer of the ordinary deposit from the terminal devices 2, 2'and the like.
One record is added to 4 and the balance of the ordinary file 202 is changed. The daily processing unit 102 performs processing for adding the balance of all ordinary deposit accounts to the product number and updating the product number for each day. The processing unit 103 for each period calculates interest based on the product number of all ordinary deposit accounts for each period, and the ordinary history file 204
Add 1 record for interest to the normal file 20
Perform processing to change the balance of 2.

The transfer designing unit 104 refers to the information in the various files and performs the process of designing the transfer between various accounts that is possible for each customer. If there is a transfer designed by the transfer designing unit 104, the operation calculation unit 105 refers to the information in the management file 206 and performs processing for calculating interest and risk for the transfer designed by the transfer designing unit 104. Transfer selection unit 1
Step 06 performs a process of selecting the most advantageous transfer from the criteria such as the highest interest rate or the lowest risk level based on the calculation result of the operation calculation unit. The transfer executing unit 107 automatically executes the selected transfer and performs a process of changing information of various files. Finally, the overall control unit 110 controls the entire system.

In the present embodiment, the transfer designing section 104 considers all ordinary deposit accounts.
It may be possible to examine whether there is an advantageous operation only for the account number for which automatic operation is desired. In that case, a flag indicating whether or not operation is desired is set in the ordinary file, and the transfer designing unit 104 refers to the flag to determine whether or not to design transfer.

Next, the operation of the system of this embodiment will be described in detail.

FIG. 7 is a processing device 1 of the system of this embodiment.
2 is a flowchart showing the outline operation of the above. First, the processing device 1 watches an input relating to deposit and withdrawal from the terminal device 2 (step 10001), and if there is an input, executes an online process (step 10002). Online processing means adding one record to the ordinary history file 204 of the corresponding account number according to the depositing / withdrawing instructions such as deposit / withdrawal and transfer of ordinary deposit from the terminal device 2 etc., and the ordinary file 2
In accordance with the processing for changing the balance and the number of records of 02 or the input of the book, the recorded record is deleted from the normal history file 204 of the corresponding account number, and the normal file 2
This is processing for changing the number of records of 02 to 0.

Next, the daily transaction end time is watched (step 10003), and when the transaction end time is reached, daily processing is performed (step 10004). The daily processing is
This is a process of adding the balance of each account in the ordinary file 202 to the product number and updating the product number. This daily processing is performed for all accounts. If it is not the trading end time of the day, the process proceeds to step 10007.

After step 10004, the dynamic account management process is executed (step 10005). The dynamic account management will be described later in detail with reference to the flowchart of FIG. 8, and the outline thereof is the following processing. First, the ordinary file 2 for each customer number in the customer file 201
02, normal history file 204, regular file 203,
Based on the data such as the fixed-term history file 205 and the management file 206, the operability of whether or not to make a fixed-term deposit is examined, and the advantageous operation is examined. Then, dynamic account management such as creating a time deposit is executed according to the examination result. For example, when transferring from a regular deposit to a fixed deposit, the fixed number of the fixed file 203 to be created is updated, one record is added to the fixed history file 205, and the amount of the fixed deposit is subtracted from the balance of the fixed file 202. , A process of adding one record to the corresponding normal history file 204 is performed.

Next, it is judged whether or not the dynamic account management processing has been performed for all the accounts (step 10006), and if all the accounts have not yet been completed, step 1000 is again executed.
Return to 5. When the dynamic account management process is executed for all accounts, the process proceeds to step 10007.

Next, the end of the period is watched (step 1
0007), if it is the end of the period, the process for each period is executed (step 10008). Periodic processing calculates interest based on the product number of each account of ordinary deposit, and ordinary history file 2
This is a process of adding one record for interest to 04 and changing the balance of the ordinary file 202. Periodic processing is performed for all accounts. If it is determined in step 10007 that the end time is not yet reached, the process proceeds to step 10009. After the periodical processing, the process proceeds to step 10009.

Then, it is checked whether or not there is an end instruction (step 10009).

FIG. 8 is a detailed flowchart of the process of dynamic account management for each customer in step 10005 of FIG. In the dynamic account management process, first, the customer file 20
The account number of the ordinary deposit is obtained from the item of the ordinary deposit of the customer number of 1 and the account number of the fixed deposit is obtained from the item of the time deposit (step 11001). Then, using the account number of the ordinary deposit as a key, the balance of the corresponding account number of the ordinary file 202 is obtained (step 11002).

Next, referring to the account master file 207, a combination of time deposits that can be purchased with the balance is searched for, and the primary table is searched.
It is stored in the bull 301 (step 11003). For example, in the ordinary deposit account (account number 111111) of the customer number 123456 of FIG.
There is a balance of 400 yen. With this balance, neither the time deposit A nor the time deposit B of the account master file 207 of FIG. 6B can be purchased. On the other hand, since the account number 111113 has a balance of 1,022,000 yen, the one year deposit of the time deposit A in the account master file 207 of FIG.
You can buy a million yen, or one million yen for three years. That is, there are two options for this account. Of course, although not in the example of FIG. 4, if the balance is 3 million yen, you can also buy time deposit B and time deposit A.
There are more choices such as buying a mixture of one year and three years. Note that in step 11003, if there is no fixed-term deposit that can be purchased with the balance, the process directly returns.

FIG. 9A shows an example of storage of the primary table 301. This example is an example of the above-mentioned account number 111113, and the balance is 1,022,000 yen.
Two choices are stored: whether the term deposit A of the account master file 207 of (b) is to be bought for one year, or the one for three years is bought for 1 million yen.

After step 11003, for each selected branch, the interest is calculated in sequence based on the account master file 207 and stored in the secondary table 302 (step 110).
04). FIG. 9B shows a storage example of the secondary table 302. If the term deposits have different periods, the interest will be adjusted to the longest term, or the period to be calculated will be set in advance, and the term deposits longer than that will be divided into equal periods. It is good to put it.

Next, the selected branch is set to 1 in descending order of the calculated interest.
Each time, the cash flow for a certain period is calculated for each day based on the management file 206 and the account master file 207, and is expanded in the tertiary table 303 (step 11005). The cash flow is a calculation of how the balance changes.

FIG. 9C shows the above account number 111113.
2 is an expected graph of cash flow when a yearly deposit of a time deposit A of 1 million yen is purchased from 1,022,000 yen. If you transfer 1 million yen to 92.1.20 to time deposit A, the balance will be 22,000 yen at that time. Management file 206 with this account number (Fig. 6 (a))
For example, on the 24th of every month, the average is 18,000.
It can be seen that the electricity bill in yen is deducted, the average salary transfer is 29,000 yen on the 29th of every month, the average 60,000 yen every month, and the withdrawal of about 2,000 yen every day. Therefore, in the cash flow of FIG. 9 (c),
Until 92.1.23, the amount of 2,000 yen decreased daily, and the balance of 92.1.23 was 16,000 yen. In 92.1.24, the electricity bill will be 18,000 + 2,000 = 20,000 yen minus, and the balance will be -4,000 yen.

After step 11005, the third table 3
It is checked whether or not the balance of 03 is always a certain amount or more (it is anxious that it is 0 yen, so normally it is set to about several thousand yen.
6). If the balance is always equal to or more than a certain amount, the process proceeds to step 11008 even to select the corresponding selection branch. If the balance does not always exceed a certain amount, it is checked whether all selection branches have been completed (step 11007), and if there are still remaining selection branches, the same consideration is given to the next higher interest selection branch. Return to step 11005. Step 11
At 007, if all the selection branches have been completed, the processing ends.

In step 11006, when the balance is always a certain amount or more, the withdrawal record is added to the normal history file 204 of the corresponding account number according to the selection branch, and the balance and the record of the normal file 202 are added. The number of codes is changed (step 11008). Then, one record is added to the regular history file 205 for the regular period to be purchased, and the number of regular periods in the regular file 203 is changed (step 11009).
finish.

The detailed flow chart of the dynamic account management process shown in FIG. 8 is for the case where the ordinary deposit is changed to the fixed deposit. However, not only in that case, the fixed deposit is canceled,
You can also choose to withdraw your ordinary deposit or receive a loan without canceling it by examining the cash flow of your balance in the same procedure.

Further, in this embodiment, the transfer to all time deposits is considered for all the customers, but a certain condition may be set by the customers. For example, the type, amount, and period of the regular period may be set to determine the range of transfer. In that case, the customer may instruct them, or may be automatically set from the past history or the like. The customer's instruction may be issued at the time of opening an account, or may be sequentially changed from the terminal device.

Further, in the present embodiment, which choice is selected is evaluated and selected according to the risk that the interest and the cash flow obtained from the past average deposit / withdrawal amount will not fall below a certain amount. The rules of selection may be stored in the knowledge base, and the selection may be performed according to the knowledge of the knowledge base.

Further, in the present embodiment, the transfer to the time deposit is designed by using only the current balance and the advantage or disadvantage of each transfer is determined, but the determination may be made in consideration of the maturity of the future time deposit or the like. .

According to the first embodiment described above, it becomes possible to dynamically perform the fund management advantageous to the customer.

In the first embodiment described above, the transfer is dynamically and automatically executed. However, the customer may confirm the transfer instead of immediately executing the transfer. That is, when the customer accesses the terminal device, a notice that it is advantageous to transfer to the fixed deposit as described above is displayed, and the customer can give an instruction to change OK at that time. Good. A second embodiment will be described below in which there is a more advantageous operation without automatically executing the transfer.

The configuration of the second embodiment is similar to that of the transaction processing system of the first embodiment shown in FIG.
The detailed configuration of the CPU 11 is slightly different. FIG. 10 shows the detailed configuration of the system of the second embodiment. File 1
The detailed configuration of 2 is the same as that of FIG. 2 of the first embodiment.

The CPU 11 is an online transaction processing unit 11
1, daily processing unit 112, period processing unit 113, transfer designing unit 114, transferable storage unit 115, transfer alarm unit 11
6, an operation calculation unit 117, a calculation result display unit 118, a transfer execution unit 119, and an overall control unit 120.

The online transaction processing unit 111 stores 1 in the ordinary history file 204 in accordance with an input with a change in the ordinary deposit amount at the time of access such as deposit / withdrawal or transfer to the ordinary deposit file 202 from the terminal devices 2, 2 '. A record is added and the balance of the ordinary file 202 is changed.
The daily processing unit 112 adds the balance of all ordinary deposit accounts to the product number and updates the product number on a daily basis. The processing unit 113 for each period calculates interest based on the product number of all ordinary deposit accounts for each period, adds one record for interest to the ordinary history file 204, and stores the balance of the ordinary file 202. Perform the process of changing.

The transfer designing section 114 refers to information in various files when accessing the ordinary deposit file 202 from the terminal devices 2, 2 ', etc. to the ordinary deposit file 202, and refers to the information in the various files between various accounts available to the corresponding customer. Perform the process of designing the transfer in. If there is a transfer designed by the transfer designing unit 114, the transferable storage unit 115 stores the designed transfer. The transfer alarm unit 116 performs a process of displaying on the terminal device 2 information that there is a transferable product.

The operation calculation unit 117 refers to the transfer content stored in the transferable storage unit 115 when the customer selects the alarm content display with respect to the display of the transfer alarm on the terminal device. Then, the interest and risk are calculated. The calculation result display unit 118 performs a process of displaying the calculation result of the operation calculation unit 117. The transfer execution unit 119
Perform the process of executing the transfer according to the customer's selection. Finally, the overall control unit 120 controls the entire system.

Next, the operation of the system of the second embodiment will be described in detail.

FIG. 11 is a flow chart showing the general operation of the processing apparatus 1 of the system of this embodiment. First, in the processing device 1, the access to the ordinary file 202 such as deposit / withdrawal from the terminal device 2 is watched (step 2000).
1) If there is access, online processing is executed (step 20002). If there is no input from the terminal device 2 or the like, the process proceeds to step 20004.

The online processing of step 20002 is to add one record to the ordinary history file 204 of the corresponding account number according to the deposit / withdrawal or transfer and the like, and change the balance and the number of records of the ordinary file 202. Or the processing of deleting the recorded records from the normal history file 204 of the corresponding account number and changing the number of records in the normal file 202 to 0 according to the input of the book. Here, in the case of the conventional system, although the information for bookkeeping is sent to the terminal device and the bookkeeping is made by the terminal device, it is not sent immediately in this embodiment.

After step 20002, a dynamic account management process is executed (step 20003). The dynamic account management will be described later in detail with reference to the flowchart of FIG. 12, but its outline is the following processing. First, the ordinary file 2 for each customer number in the customer file 201
02, normal history file 204, regular file 203,
Based on the data such as the fixed history file 205 and the management file 206, a list of possible operations (whether or not to make a fixed deposit) with the current balance of ordinary deposits is made. Interest calculation and risk calculation for making a deposit are performed, and the result is displayed on the terminal device 2. On the other hand, if there is an instruction from the terminal device 2, dynamic account management such as creation of a time deposit is executed according to the instruction. In this dynamic account management process, information for bookkeeping is sent to the terminal device 2 all together.

Next, the daily transaction end time is watched (step 20004), and when the transaction end time is reached, daily processing is performed (step 20005). The daily processing is
This is a process of adding the balance of each account in the ordinary file 202 to the product number and updating the product number. This daily processing is performed for all accounts. After the daily processing, the process proceeds to step 20006.
Also, if the trade end time of the day is not yet reached in step 20004, the process proceeds to step 20006.

Next, the end of the period is watched (step 2
0006), if it is the end of the period, the process for each period is executed (step 20007). Periodic processing calculates interest based on the product number of each account of ordinary deposit, and ordinary history file 2
This is a process of adding one record for interest to 04 and changing the balance of the ordinary file 202. Periodic processing is performed for all accounts. If it is determined in step 20006 that the end time is not yet reached, the process proceeds to step 20008. After the periodical processing, the process proceeds to step 20008.

Next, it is checked whether or not there is an end instruction (step 20008), and if there is, an end is made. If not,
Return to step 20001.

FIG. 12 is a detailed flow chart showing the relationship between the processing device 1 and the terminal device 2 regarding the dynamic account management process for each customer in step 20003 of FIG. First, the processing device 1 obtains the account number of the time deposit from the item of the time deposit of the accessed customer number in the customer file 201 (step 21001). The account number of the ordinary deposit and the balance of the ordinary deposit can be found in step 200.
Already got from 02 online processing

Next, referring to the account master file 207, a combination of fixed deposits that can be bought with the balance of ordinary deposits is searched for and stored in the primary table 301 (step 21002).
If there is no fixed-term deposit that can be purchased with the balance, the process ends as it is. After step 21002, for each selected branch, interest is calculated in order based on the account master file 207 and stored in the secondary table 302 (step 210).
03).

Next, the selected branch is set to 1 in descending order of the calculated interest.
Each time, the cash flow for a certain period is calculated for each day based on the management file 206 and the account master file 207, and is expanded in the tertiary table 303 (step 21004). Then, it is checked whether the balance of the tertiary table 303 is always a certain amount or more (step 2100).
5). If the balance is always above a certain amount, proceed to step 21007, and if it is not above a certain amount, delete the corresponding selection branch from the secondary table 302 (step 21).
007), and proceeds to step 21007.

Next, it is checked whether or not all of the selection branches have been completed (step 21007). If there are still remaining selection branches, the procedure returns to step 21004 to perform the same examination for the selection branch with the next highest interest. When all the selection branches are completed in step 21007, the terminal device 2 determines that the secondary table 3
It is checked that there is a selection branch in 02, and if there is a more favorable fund management, it is displayed (step 21008).

FIG. 14 shows a display example thereof. Note that FIG.
3 shows a conventional display example. In the conventional display example, the last greeting message etc. when the processing is completed are displayed.
In Section 4, the customer is shown that there is an even more advantageous operation method, and a response from the customer is requested.

Next, the input from the terminal device 2 is checked (step 21009), and if there is an input indicating that the selection branch is desired to be viewed, the contents of the secondary table 302 are displayed (step 2).
1010). FIG. 15 shows a display example thereof. If there is an input that the customer does not want to see it, the process proceeds to step 21014.

After the screen is displayed as shown in FIG. 15 in step 21010, the input from the terminal device is checked (step 21011). If there is an input to execute one of the selection branches, a withdrawal record is added to the normal history file 204 of the corresponding account number according to the selection branch, and the balance and the number of records of the normal file 202 are added. Is changed (step 21012). Then, purchase records are added to the record history file 205 by record, and the number of records in the file 203 is changed (step 2
1013) and proceeds to step 21014.

At step 21011, if there is an input indicating that the user does not want to execute, the process proceeds to step 21014. Finally,
The information for bookkeeping is sent to the terminal device, and the bookkeeping is carried out by the terminal device (step 21014), and the process ends. Here, when the regular creation is not executed (when it is not desired to see it), only the normal bookkeeping is performed, and when the regular preparation is executed, the fact that the fixed deposit is created is also recorded in addition to the normal bookkeeping.

In the second embodiment, step 20
In the online processing of 002, the data is not transmitted to the terminal device many times and the data is collectively transmitted at the end in order to reduce the time required for transmission, but the bookkeeping information may be transmitted once in step 20002. On the contrary, in the present embodiment, the input check of the terminal device 2 (step 21009 and step 21
Although 011) is performed by the processing device 1, it may be performed by the terminal device 2 side. If the terminal device 2 is used, the time required for transmission can be further shortened.

According to the second embodiment, when the customer operates the terminal device for depositing / withdrawing money, the customer can be automatically informed that there is an advantageous operation. Therefore,
The customer can know the advantageous operation without any burden and without being aware of it. Also, since it is possible to instruct whether or not to change to an advantageous operation on the spot, for example, if there is a huge withdrawal schedule in a few days, it is possible not to instruct the change, and the change will be made in a form that the customer is satisfied You can Furthermore, there is no human error in the change process due to misunderstanding of the balance of the savings account, and the change can be made in a short time, reliably, and without the labor and time of bank employees.

In the present embodiment, only those which can be changed at present are designed, but not only the current balance but also the forecast of deposit due to the maturity of the fixed deposit after a certain period of time, and the forecast of deposit and withdrawal up to that time. Etc. are designed based on the periodic history file and management file, and it is displayed on the terminal device that transfer to fixed deposit is possible at the future time, and the customer can make a reservation using the reservation screen at that time. The transfer of the reservation content may be automatically executed with. An example of the reservation screen is shown in FIG. As a result, future changes can be reserved and more dynamic fund management becomes possible.

[0084]

According to the present invention, since the transfer is executed so as to automatically perform advantageous fund management based on the customer's operation management information and the deposit balance, the advantageous account can be realized even if the customer is not aware of it. Transfer can be done dynamically. Further, the customer can know that there is an advantageous fund operation by the terminal device, and further, the advantageous operation can be executed from the terminal device.

[Brief description of drawings]

FIG. 1 is a configuration diagram of a transaction processing system according to a first embodiment of the present invention.

FIG. 2 is a detailed configuration diagram of a CPU and files of the transaction processing system of FIG.

FIG. 3 is a configuration example of a customer file in FIG.

FIG. 4 is a configuration example of an ordinary file and an ordinary history file of FIG.

5 is a configuration example of a regular file and a regular history file of FIG.

FIG. 6 is a configuration example of a management file and an account master file of FIG.

FIG. 7 is a flowchart showing a general operation of the processing apparatus shown in FIG.
It is

8 is a detailed flowchart of the dynamic account management process in step 10005 of FIG.

FIG. 9: Primary table, secondary table, and tertiary table
It is a configuration example of a bull.

FIG. 10 is a detailed configuration diagram of a CPU and files in the second embodiment of the present invention.

FIG. 11 is a flowchart showing the operation of the second embodiment of the present invention.

FIG. 12 is a detailed flowchart of the dynamic account management process in step 20003 of FIG.

FIG. 13 is a conventional display example on a terminal device.

FIG. 14 is an example of an alarm display on the terminal device.

FIG. 15 is an example of operation selection branch display on the terminal device.

FIG. 16 is a display example of an operation reservation selection branch on the terminal device.

[Explanation of symbols]

1 ... Processor, 11 ... CPU, 12 ... File, 13 ...
Interface, 3 ... transmission line, 2 2 '... terminal device,
23, 23 '... Interface, 6, 6' ... Display device, 7, 7 '... Input device, 201 ... Customer file, 20
2 ... Ordinary file, 203 ... Regular file, 204 ... Regular history file, 205 ... Regular history file, 206 ...
Management file, 207 ... Account master file, 101,
111 ... Online transaction processing unit, 102, 112 ... Daily processing unit, 103, 113 ... Periodic processing unit, 104, 114
... Transfer Design Department, 105, 117 ... Operation Calculation Department, 106 ...
Transfer selection unit, 107, 119 ... Transfer execution unit, 110, 1
20 ... Overall control unit, 115 ... Transferable storage unit, 116 ...
Transfer alarm section, 118 ... Calculation result display section, 301 ... Primary table, 302 ... Secondary table, 303 ... Tertiary table
Bull.

Claims (6)

[Claims] 1. A processing device including a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, and a balance master file for storing deposit balances for each customer and transaction data. In a transaction processing system including a plurality of terminal devices that accept inputs and a transmission line that exchanges information between the processing device and the terminal devices, store operation management information necessary for account operation for each customer An operation management information storage means, a transfer design means for designing transfer between various accounts that can be performed for each customer by referring to the information of the account master file and the information of the balance master file, and the transfer design means. Operation calculation means for calculating interest and / or risk for one or more transfers by referring to the operation management information in the operation management information storage means; A transfer selecting means for selecting an advantageous transfer based on the calculation result of the calculating means, and a transfer executing means for automatically executing the transfer selected by the transfer selecting means and changing the information in the balance master file. A transaction processing system characterized by that. 2. A processing device including a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, and a balance master file for storing deposit balances for each customer and transaction data. In a transaction processing system including a plurality of terminal devices that accept inputs and a transmission line that exchanges information between the processing device and the terminal devices, store operation management information necessary for account operation for each customer Operation management information storage means, and when a customer accesses the balance master file from the terminal device, referring to the information in the account master file and the information in the balance master, it is possible in the accessed customer's account. Transfer design means for designing transfers between various accounts, and transferable information storage means for storing one or a plurality of transfers designed by the transfer design means, A transaction processing system comprising: a transfer alarm means for displaying, on the accessed terminal device, information indicating that there is a transfer stored in the transferable information storage means. 3. The display by the transfer alarm means,
When a customer gives an instruction from the terminal device, a transfer content display means for displaying the transfer content stored in the transferable information storage means, and an input for the customer to execute one of the displayed transfer operations. The transaction processing system according to claim 2, further comprising: a transfer executing unit that automatically executes the transfer when there is, and changes the information of the balance master file. 4. The display by the transfer alarm means,
When the customer gives an instruction from the terminal device, the operation management information of the operation management information storage means is referred to, and the interest and the interest for one or more transfers stored in the transferable information storage means are referred to. And / or operation calculation means for calculating the degree of risk, a transfer result stored in the transferable information storage means, a calculation result display means for displaying a calculation result of the operation calculation means, and one of the transfers displayed by the customer 3. The transaction processing system according to claim 2, further comprising a transfer execution means for automatically executing the transfer and changing the information in the balance master file when an input to execute is executed. . 5. A processing device comprising a processor for processing transactions, an account master file for storing interest rates and operating periods of various accounts, and a balance master file for storing deposit balances for each customer and transaction data. In a transaction processing system including a plurality of terminal devices that accept inputs and a transmission line that exchanges information between the processing device and the terminal devices, store operation management information necessary for account operation for each customer Operation management information storage means, and when a customer accesses the balance master file from the terminal device, referring to the information in the account master file and the information in the balance master, it is possible in the accessed customer's account. Transfer design means for designing transfers between various accounts, and the operation management information storage means for one or a plurality of transfers designed by the transfer design means Operation calculation means for calculating interest and / or risk with reference to operation management information, transfer selection means for selecting advantageous transfer based on the calculation result of the operation calculation means, and storage of the selected transfer Transaction processing, comprising: transfer selection information storage means for performing the transfer selection information storage means; and transfer alarm means for displaying information indicating that there is a transfer stored in the transfer selection information storage means on the accessed terminal device. system. 6. The display by the transfer alarm means,
When there is an instruction from the terminal device by the customer, there is a transfer content display means for displaying the transfer content stored in the transferable information storage means, and an input to execute the displayed transfer by the customer. 6. A transfer executing means for automatically executing the transfer and changing the information of the balance master file.
The transaction processing system described in.