JPH07254028A - Processing system for group of fixed deposits - Google Patents

Abstract

PURPOSE:To eliminate such a defective case where only a single fixed deposit is processed and the amount of the deposite cannot be partly canceled processing the group of fixed deposits. CONSTITUTION:A group of fixed deposit decision means 11 adds the cancelation display to the deposit record 32 to be canceled in a ledger data base 30 by a cancelation transaction means 12. Thus the record 32 is canceled. A deposit transaction means 13 produces a new record 32 in the base 30 based on the total amount of the canceled record 32 for group of fixed deposits. Meanwhile the means 11 adds up the amount or the amount with interest added of the uncanceled record 32 in order of larger value. Then the means 11 repetitively produces the group of fixed deposits based on the total amount when the total amount reaches the least deposite amount of a commodity of high rate of interest. Then the means 11 produces each new deposit record 32 based on the amount or the amount with interest added of each old record 32 when the total amount does not reach any more the least deposit amount of the commodity of high rate of interest.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a collective fixed period preparation processing method, and more particularly to a summarized fixed period preparation processing method for automatically canceling a plurality of deposits of a time deposit account to prepare a new fixed deposit contract.

[0002]

2. Description of the Related Art A conventional summary regular creation processing method is shown in FIG.
As shown in FIG. 5, the control unit 110 that refers to and updates the product storage unit 120 and the ledger database 130, the product storage unit 120 that stores the product contents of the time deposit, and the ledger that holds the contents of the time deposit account of the entire banking system. The database 130 and its main parts were constituted.

[0006] The control unit 110 adds a cancellation display to the deposit record 132 of the time deposit account for cancellation, and a deposit transaction for creating a new deposit record 132 and adding deposit information to deposit. And means 113.

In the product storage unit 120, a plurality of sets of product contents such as a product name 121, an interest rate 122, and a minimum deposit amount 123 for each product are stored in descending order of interest rate.

The ledger database 130 includes a plurality of account records 131 holding the contents of individual time deposit accounts.
And a plurality of deposit records 132 holding deposit information for each deposit chained to each account record 131.
And are stored.

Referring to FIG. 7, the processing of the conventional summary regular creation processing method includes a cancellation processing step S101, a summary regular creation processing step S102, and a product determination step S103.

[0007] In such a conventional summary periodical creation processing method, the control unit 110 activates the cancellation transaction means 112 during the summary periodical creation processing, and the corresponding account record 13
All of the deposit records 132 chained to 1 that should be canceled this time (the current date is the maturity date) are canceled by adding the cancellation display (step S101).

Next, the control unit 110 controls the deposit transaction means 1
13 was started, and the total amount of cancellation and its cancellation interest (=
A sum of fixed interest and interest, which is the sum of Σ amount × contract interest rate × period), is created as a new deposit record 132, that is, a summary term (step S102).

Finally, the total amount of the products of the new deposit record 132 is the minimum deposit amount 12 in the product storage unit 120.
It determines to be a product of 3 or more and the highest interest rate 122 (step S103).

[0010]

In the above-described conventional summary-periodic creation processing method, only one summary period, which is a new deposit record, is created for a plurality of deposit records subject to cancellation. The problem is that the bundled contract that is created has a large amount of money, and even if the customer needs only a part of the amount of the bundled contract before the maturity date, the entire amount must be canceled before the maturity date. was there. Cancellation before maturity is disadvantageous to the customer as the interest rate is lower than the contracted rate.

In view of the above points, an object of the present invention is to provide a product having an advantageous interest rate when a plurality of deposits are completed and a large amount of money is put together even if there are a plurality of deposits that are due on the day when the summary regular creation is made. If you can not select it, let's keep it as an individual deposit without combining it, so that when the customer wants to cancel only a part of the amount of the time deposit account, it is not necessary to cancel the whole amount To provide.

Incidentally, as a prior art document, Japanese Patent Laid-Open No. 60-
There is 114963 publication, but in this publication, interest calculated by the deposit amount and interest rate for the certificate form time deposit is displayed, and the user can easily select any one after knowing the contents of the time deposit. Only the automatic transaction device as described above is disclosed, and there is no mention of the summary-periodic creation process that automatically cancels multiple deposits in the time deposit account and creates a new deposit. is there.

[0013]

SUMMARY OF THE INVENTION The summary fixed period creation processing method of the present invention is a fixed term deposit processing method for automatically canceling a plurality of deposits of a time deposit account to create a new deposit, a summary fixed term depositing method. A product storage unit that stores the product contents of the above, a ledger database that holds the contents of the time deposit account of the entire banking system, a cancellation transaction means that cancels by adding a cancellation display to the deposit record in this ledger database, Create a deposit record in the ledger database, add deposit information and deposit money, and cancel the deposit record of the cancellation target in the ledger database by the cancellation transaction means and create a fixed term by the deposit transaction means In doing so, the sum of principal and interest of the deposit records subject to cancellation in the ledger database is added in descending order. When the amount reaches the minimum deposit amount of the product with a high interest rate by referring to the product storage section, the process of creating a fixed period with the total amount is repeated, and the total amount of money does not reach the minimum deposit amount of the product with a high interest rate. Sometimes, it has a summary periodic creation judgment means for creating a new individual deposit record with the sum of the principal and interest of each deposit record.

In addition, according to the summary fixed period creation processing method of the present invention, in the summary fixed period creation processing method which automatically cancels a plurality of deposits of a time deposit account and creates a summary deposit that is a new deposit, A product storage unit for storing, a ledger database that holds the contents of the time deposit account of the entire banking system, a cancellation transaction means for canceling the deposit record in this ledger database, and the ledger database. When creating a deposit record, adding deposit information and depositing money, and canceling the deposit record to be canceled in the ledger database by the canceling transaction means and creating a fixed term together by the depositing transaction means, The amount of deposit records to be canceled in the ledger database is added in ascending order, and the total amount is When the minimum deposit amount of a product with a high interest rate is reached by referring to the memory, the process of creating a fixed period with the total amount is repeated, and when the total amount does not reach the minimum deposit amount of a product with a high interest rate, It has a summary periodic creation judging means for creating a new individual deposit record with the amount of the deposit record.

[0015]

Next, the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a summary regular creation processing system according to an embodiment of the present invention. The summary regular creation processing method according to the present embodiment includes a control unit 10 that refers to and updates the product storage unit 20 and the ledger database 30.
And a product storage unit 20 for storing the product contents of the time deposit,
The main part is composed of a ledger database 30 that holds the contents of the time deposit account of the entire banking system.

The control unit 10 determines a summary term creation determining means 11 for determining creation of a plurality of summary terms, a cancellation transaction means 12 for canceling by adding a cancellation indication to the deposit record 32 of the time deposit account, and a new means. The deposit transaction means 13 creates a deposit record 32, adds deposit information, and deposits.

In the product storage unit 20, a plurality of sets of product contents such as a product name 21, an interest rate 22, and a minimum deposit amount 23 for each product are stored in descending order of interest rates.

The ledger database 30 stores an account record 31 holding the contents of each time deposit account, and a plurality of deposit records 32 chained to the account record 31 and holding deposit information for each deposit.

Referring to FIG. 2, the account record 31 is
It is configured to include an account number, a first day of consolidation, a regularization interval, a pointer, and the like. The account number is a number that uniquely defines the time deposit account and is determined when the account is opened. The first consolidation date is the date on which the first consolidation period is created and is set when the account is opened. The summary term interval is an interval indicating how many months a summary term is created and is set at the time of opening an account.

Similarly, referring to FIG. 2, the deposit record 32 includes a deposit date, an amount, a product name, a contracted interest rate, a maturity date, a cancellation display, a cancellation interest, a pointer and the like. The deposit date is the date of deposit and is set at the time of deposit. The amount of money indicates the amount of money deposited, and is set at the time of deposit. The product name is product identification information of the deposited product and is set at the time of deposit. The contracted interest rate is an interest rate at the time of depositing a product, and is set from the product storage unit 20 at the time of deposit. The maturity date is the scheduled date for canceling the deposit, and is determined based on the deposit date, the initial summarizing date, and the summarizing regular interval. The cancellation display is a flag indicating whether or not cancellation has been made, and is turned on at the time of cancellation. The cancellation interest is the interest at the time of cancellation and is set at the time of cancellation.

Referring to FIG. 3, the processing of the summary periodical processing method of the present embodiment is the deposit record search step S1.
A search deposit record presence / absence determination step S2, an amount order sorting step S3, and a current product selection step S4
And product presence / absence determination step S5, total amount of money clearing step S6, and non-cancelled deposit record presence determination step S
7, current deposit record selection step S8, total amount addition step S9, total amount / minimum deposit amount comparison step S10, next unreleased deposit record presence / absence determination step S11, deposit record cancellation step S12, and summary periodic creation It comprises step S13, deposit record cancellation step S14, and individual deposit record creation step S15.

Next, the operation of the summary regular creation processing system of the present embodiment thus configured will be described.

At the time of the summary periodic creation processing, the summary periodic creation determination means 11 of the control unit 10 determines that the maturity date is the current date from the deposit records 32 chained to the account record 31 having the account number designated by the program, operator or the like. The deposit record 32 that matches the (summary regular creation date) is searched (step S1).

Next, the summary periodical creation determining means 11 determines whether or not the retrieved deposit record 32 exists (step S
2) If there is no retrieved deposit record 32, the processing is immediately terminated, and if there is a retrieved deposit record 32,
The retrieved deposit records 32 are sorted in descending order of amount (step S3).

Subsequently, the summary regular creation judging means 11
The product with the next highest interest rate 22 (the product with the highest interest rate 22 for the first time) is selected from the product storage unit 20 as the current product (step S4), and the presence or absence of the product is determined (step S).
5). If there is a product, the summary periodical creation determination means 11
The total amount is cleared to 0 (step S6).

Next, the summary periodical creation judging means 11 refers to the cancellation display in the sorted deposit records 32 and judges whether or not there are undisclosed deposit records 32 (step S7), and the undisclosed deposits are made. If there is no record 32, the processing is immediately terminated. If there is an unclosed deposit record 32, the unclosed deposit record 32 with the next highest amount (the highest amount of money at the first time) is selected as the current deposit record 32 ( Step S8).

Subsequently, the summary regular creation judging means 11
The amount and interest (= amount x contract interest rate x period) in the current deposit record 32 are added to the total amount (step S9), and the total deposit amount is the minimum deposit amount 23 of the current product.
It is determined whether or not the above (step S10).

If the total amount of money is less than the minimum deposit amount 23, the summary periodic creation judging means 11 judges whether or not there is the next un-cancelled deposit record 32 (step S1).
1) If there is the next unreleased deposit record 32, the control is returned to step S8.

If steps S8 to S11 are repeated and the total amount of money reaches the minimum deposit amount of 23 or more in step S10, the summary periodical creation judgment means 11 is the cancellation transaction means 12
Turn on the cancellation display in all the deposit records 32 in which the amount and interest are added to the total amount to enter the cancellation interest (step S12) and cancel the payment (step S12). A new deposit record 32 is created (step S13), and control is returned to step S7.

If steps S8 to S11 are repeated and there is no more unreleased deposit record 32 in step S11, the summary periodical creation determining means 11 returns the control to step S4.

If steps S4 to S13 are repeated and there is no product with the next highest interest rate 22 in step S5, the summary periodical creation judging means 11 causes the unregistered deposit record 3
Turn on the redemption display in 2 and fill in the redemption interest to cancel (step S14).
A new individual deposit record 32 is created with the sum of the principal and interest of 2 (step S15), and the process ends.

FIG. 4 is a diagram for explaining an example to which the summary regular creation processing method of this embodiment is applied. Now
From January 1, 1994, 100,000 yen shall be deposited on the first day of every month, and the initial closing date shall be set to September 1st, 1994 and the closing period shall be set to 12 months at the time of account opening. . As a product, the minimum deposit amount is 10 with an interest rate of 2%.
It is assumed that there is a product a of yen and a product b with an interest rate of 3% and a minimum deposit amount of 500,000 yen. Furthermore, the maturity date shall be set to September 1 at least 3 months ahead.

On September 1, 1994, which is the first wrap-up date, there are six commodities a which are due dates, and therefore the lumped-periodic preparation determination means 11 uses the five commodities a from the one with the longest deposit period. To create a summary term for one product b, and the remaining one product a remains as it is as a deposit of the product a.

Since there are 13 commodities a, which are due dates, on September 1, 1995, which is the second combination date, the combination regular preparation judging means 11 selects five items from the one with the longest deposit period. Collecting for each product a, a grouping term for two products b is created. Even if two products b are combined and a large amount of money cannot be selected, a product with an advantageous interest rate cannot be selected. Therefore, the products are not individually combined and remain as individual deposits. Also, for the remaining three products a, even if the three deposits are combined and a large amount of money is set, the product b with an advantageous interest rate cannot be selected.
Instead of putting them together, let them survive as individual deposits.

By the way, in the process of FIG. 3, step S9
In the above, the case has been explained in which a summarization amount includes the surrender interest of the deposit record 32 to be cancelled. However, the present invention is similarly applied to the case where a summarization period for continuing principal and interest is created. can do.

FIG. 5 is a flow chart showing the processing of the summary periodic creation processing method of the present embodiment when creating a summary continuation of principal payment, and is compared with the summary periodic creation processing of principal and interest continuation shown in FIG. Then, in FIG. 3, the amount and the interest are added to the total amount in step S9, whereas in FIG. 5, only the amount is added to the total amount in step S9 ′. Further, in FIG. 5, step S is provided downstream of step S15.
16 is added.

In step S16, the summary periodical creation determining means 11 calculates the total interest of the deposit records 32 canceled in steps S12 and S14, and the account record 31
Deposit money to the same customer's ordinary account based on the information (details not shown).

Needless to say, the same operation and effect as the processing shown in FIG. 3 can be obtained by performing the processing shown in FIG.

[0040]

As described above, according to the present invention, even if there are a plurality of deposits that are due on the date of the grouped regular creation, if a plurality of deposits are put together into a large amount, a product with an advantageous interest rate is selected. If it is not possible, we do not dare to aggregate and continue as individual deposits, so when the customer wants to cancel only a part of the amount of the time deposit account, it is not necessary to cancel the entire amount, the customer wants This has the effect that you can cancel only the summary term that is close to the amount.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of a summary regular creation processing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing the contents of an account record and a deposit record in FIG.

FIG. 3 is a flowchart showing the processing of the summary periodical processing method of the present embodiment.

FIG. 4 is a diagram for explaining an example to which the summary regular creation processing method of the present embodiment is applied.

FIG. 5 is a flowchart showing another example of the processing of the summary regular creation processing method of the present embodiment.

FIG. 6 is a block diagram showing an example of a conventional summary regular creation processing method.

FIG. 7 is a flowchart showing the processing of the summary regular creation processing method of FIG.

[Explanation of symbols]

 10 Control Department 11 Summary Regular Creation Judgment Means 12 Cancellation Transaction Means 13 Deposit Transaction Means 20 Commodity Storage 21 Product Name 22 Interest Rate 23 Minimum Deposit Amount 30 Ledger Database 31 Account Record 32 Deposit Record

Claims (2)

[Claims] 1. A summary storage processing method for automatically canceling a plurality of deposits in a time deposit account to create a summary deposit which is a new deposit, and a product storage unit for storing product contents of a time deposit and an entire banking system. The ledger database that holds the contents of the fixed deposit account of, the cancellation transaction means that cancels by adding the cancellation display to the deposit record in this ledger database, and creates the deposit record in the ledger database and adds the deposit information. And a deposit transaction means for depositing, and a deposit record subject to cancellation in the ledger database when the deposit record subject to cancellation in the ledger database is canceled by the cancellation transaction means and a fixed term is created by the deposit transaction means. The total amount of principal and interest is added in ascending order, and the total amount of When the low deposit amount is reached, the process of creating a lump sum with the total amount is repeated, and when the total amount does not reach the minimum deposit amount of the product with a high interest rate, a new individual deposit is made with the sum of the principal and interest of each deposit record. A summarized periodic creation processing method comprising: a summarized periodic creation determination means for creating a record. 2. In a summary term creating processing method for automatically canceling a plurality of deposits of a time deposit account and creating a summary term which is a new deposit, a product storage section for storing the product content of the time deposit, and the entire banking system. The ledger database that holds the contents of the fixed deposit account of, the cancellation transaction means that cancels by adding the cancellation display to the deposit record in this ledger database, and creates the deposit record in the ledger database and adds the deposit information. And a deposit transaction means for depositing, and a deposit record subject to cancellation in the ledger database when the deposit record subject to cancellation in the ledger database is canceled by the cancellation transaction means and a fixed term is created by the deposit transaction means. Of the products with the highest interest rate When the deposit amount is reached, the process of creating a summary with the total amount is repeated, and when the total amount does not reach the minimum deposit amount of the product with a high interest rate, a new individual deposit record is created with the amount of each deposit record. A method for creating a scheduled regular creation characterized by having means for determining a scheduled periodic creation.