KR101307730B1 - Cash management server and metdod for managing operation funds of automatic teller machine - Google Patents

Abstract

The present invention relates to a cash management server and method for managing operating funds of a financial automation device, wherein in the cash management server, an information collecting unit collects the fund performance information from the financial automation device, and the required fund calculation unit is configured to generate the funds from the fund performance information. When the average of the funds over a period of time and the predetermined normalization value are calculated to calculate the required funds by multiplying the average and the predetermined normalization value, the current funds calculator calculates the current funds to the financial automation device from the calculated required funds. Accordingly, the cash management server may manage the optimal operating funds to be sent to the financial automation device by day, date, and specific day.

Financial automation equipment, funds required, operating funds, cash flow, normalization, standard deviation

Description

CASH MANAGEMENT SERVER AND METDOD FOR MANAGING OPERATION FUNDS OF AUTOMATIC TELLER MACHINE}

1 is a diagram showing a network configuration for calculating the required funds using a cash management server according to an embodiment of the present invention.

2 is a diagram showing the internal configuration of a cash management server according to an embodiment of the present invention.

3 is a view for explaining a cash management method according to an embodiment of the present invention.

4 is an internal block diagram of a general purpose computer device that may be employed to perform a cash management method in accordance with the present invention.

<Explanation of symbols for the main parts of the drawings>

100: cash management server

210: information collector

220: required fund calculation unit

230: In-flight fund calculation department

The present invention relates to a cash management server and a management method for managing the operating funds of the financial automation device, and more particularly, based on the slope of the past fund performance information and the day and day, date, and specific daily fund performance information. Efficiently calculate the required funds, which are the key components for the calculation.

With respect to traditional financial transactions that have been carried out by banks in direct contact with clerks, the advent of Automatic Teller Machines (ATMs) has revolutionized in many ways. The waiting time of the user is significantly reduced, and even after the work of the financial institution, the user can enjoy the benefit of being able to perform financial transactions whenever they want.

Financial automation equipment basically provides many financial tasks performed by financial institutions such as banks and village safes. The user can perform a desired financial transaction in a short time by simply operating a financial automation device installed in the bank, without going through a bank clerk, for account transfer, balance inquiry, deposit withdrawal, and bankbook arrangement. These advantages of financial automation devices have led to a dramatic increase in the number of customers, installations, and installation locations of financial automation devices, making it easy to find them today. Recently, such financial automation devices are not simply installed in financial institutions such as banks, but are installed in various places such as convenience stores, theaters, and shops, so that anyone can conveniently use various financial services without restriction of place and time.

These convenient financial automation devices require quite a bit of management in that they load cash.

Currently, operating funds distributed to financial automation devices are trained and learned on the financial transaction performance of financial automation devices, and through neural theory that predicts future demand through pattern analysis of each device. Is calculated. That is, a predetermined company supplying the operation funds calculates the necessary funds based on the neural network theory in the cash management server, calculates the operating funds from the calculated required funds, and supplies cash required for each financial automation device. However, operating funds calculated on the basis of neural network theory cannot fully reflect the fluctuations in the funds, which vary significantly depending on variables such as location, date, and time, so that conventional financial automation devices may be overloaded or run out of cash. There was a problem such as need to be supplied additionally. When cash is excessively loaded on a financial automation device, there are serious problems such as waste of interest caused by cash holding on the side of the predetermined company and cash theft which may be caused by unnecessary cash loading on the financial automation device. May occur.

In addition, if the cash loaded on financial automation equipment is short before the current date of delivery, it can lead to waste of manpower and costs of additional supply. As such, there is an urgent need for new technologies for more efficiently calculating operational funds in financial automation devices.

The present invention has been made to improve the prior art as described above, by calculating the operating funds used in the financial automation equipment installed in various places based on past financial performance information, to more accurately perform the funds management of the financial automation equipment An object is to provide a cash management server.

Another object of the present invention is to provide a cash management method for calculating the required funds, which are the core of the operating funds, from past financial performance information according to the day, date, and specific day of the financial automation device.

Another object of the present invention is to efficiently calculate operating funds and appropriately distribute the funds to the financial automation equipment that needs funds, thereby reducing the costs required for current operations, reducing unnecessary work and increasing the number of transactions through appropriate prediction and optimization, thereby increasing operational efficiency. The purpose is to improve.

Another object of the present invention is to calculate the necessary cash loaded on the financial automation device based on past financial performance information, thereby minimizing the idle time of the cash loaded on the financial automation device. It aims to solve the problem of reducing the loss of interest income.

Another object of the present invention is to prepare for theft of cash by minimizing the idle time of the cash loaded on the financial automation device through the efficient calculation of the required funds.

In order to achieve the above object and solve the above-mentioned problems of the prior art, the cash management server according to an embodiment of the present invention is an information collection unit for collecting the financial performance information from the financial automation device, from the financial performance information A required fund calculating unit for calculating an average of a predetermined period of money and a predetermined normalization value and multiplying the average and the predetermined normalized value, and a current fund to the financial automation device from the calculated required funds; Characterized in that it includes a cash flow calculation unit.

The necessary funds calculating unit according to an embodiment of the present invention is characterized by calculating the required funds by day, date, and specific day by reflecting the slope of the funds of the predetermined period.

According to another embodiment of the present invention, the required fund calculation unit may include a first normalized value for the corresponding required funds by day, a second normalized value for the corresponding required funds by date, and a third normalized value for the corresponding required funds by specific date. And calculating the predetermined normalization value from the fourth normalization value of the slope.

According to another embodiment of the present invention, the first normalization value is calculated by using the average and standard deviation of the day's funds from the money performance information collected from the financial automation device.

According to another embodiment of the present invention, the second normalization value is calculated using average and standard deviation of the corresponding date funds from the financial performance information collected from the financial automation device.

According to another embodiment of the present invention, the third normalization value is calculated by using the average and standard deviation of the corresponding specific funds from the financial performance information collected from the financial automation device.

According to another embodiment of the present invention, the fourth normalization value may be calculated based on an average of slopes of corresponding day performances included in the fund performance information collected from the financial automation device.

The method for managing cash of a financial automation device according to an embodiment of the present invention may include collecting money performance information from the financial automation device, and calculating an average and a predetermined normalization value of funds for a predetermined period from the money performance information. The method further includes the step of: estimating required funds by multiplying the average and the predetermined normalization value, and predicting the current funds from the calculated required funds to the financial automation device.

The predetermined normalized value according to an embodiment of the present invention is calculated from each normalized value for the required funds by day, date, and specific day by reflecting the slope of the funds of the predetermined period.

Each normalization value according to an embodiment of the present invention is calculated using each mean and each standard deviation for the respective funds.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

The term "financial automated machine" used in the present invention refers to an ATM (Automatic Teller Machine), as well as a cash dispenser (CD), an unmanned terminal (KIOSK), a giro receiver, and a bank, insurance It is broadly interpreted as a concept that includes a series of unmanned automated devices capable of performing financial transactions, such as complex automated devices that provide various services such as credit cards and additional services.

1 is a diagram illustrating a network configuration for calculating the required funds using the cash management server 100 according to an embodiment of the present invention.

Referring to FIG. 1, the cash management server 100 according to an embodiment of the present invention may provide cash flows for general cash transportation (hereinafter, referred to as 'current') to each financial automation device 110. To calculate. At this time, the cash management server 100 according to the present invention, unlike the method of calculating the required funds through a conventional neuron (neron) algorithm based on the past funds performance information of the financial automation device 110, It calculates and calculates the said cash flow fund from the required fund.

The money performance information includes information recorded with the date and time information of the cash withdrawal from the financial automation device 110. The financial performance information may be recorded in a memory of the financial automation device 110 and transmitted to the bank 120 at a predetermined time, or transmitted whenever a new financial performance information occurs. In addition, as another example, the financial performance information may be transmitted to the cash management server 100 together with the transmission to the bank 120. If the fund performance information is transmitted only to the bank 120, the bank 120 transmits the money performance information to the cash management server 100.

The cash management server 100 estimates the cash flow and the number of cash flows per device through the prediction and optimization of the required funds, and the cash management server 100 calculates the cash management server 100 using a predetermined terminal. Confirm the current cash value. The determined current amount of money is notified to the current company 130 by the cash management server 100, and the current company 130, which has been informed of the amount of the current amount of money, is sent to the device by the amount of the given amount. , By sending the result of the input amount and recovery amount to the cash management server 100 to complete the present delivery.

To this end, the cash management server 100 is connected to a plurality of financial automation device 110, the server of the bank 120, the server of the current carrier 130 through an open computer network, the financial automation device 110, It may be composed of a computer system that receives a request to perform a job from the bank 120, the current carrier 130, derives and provides a work result thereof, and a computer software (web server program) installed therefor. have. As the network, communication networks such as Integrated Services Digital Network (ISDN), Asymmetric Digital Subscriber Line (ADSL), Local Area Network (LAN), Ethernet, TCP / IP-based communication network, and FTTH / O / C (optical fiber network) are used. Can be.

The cash management server 100 calculates an average of a predetermined period of money and a predetermined normalization value among the funds performance information, multiplies the average by the predetermined normalization value, and calculates the required funds, and calculates the required funds from the calculated required funds. We predict cash flow with financial automation equipment.

For example, the cash management server 100 may calculate the required funds by day, date, and specific day by reflecting the slope of the funds in a predetermined period. More specifically, the cash management server 100 uses the first normalized value using the standard deviation according to the average withdrawal amount and the average withdrawal amount per day, the second with the standard deviation according to the average withdrawal amount per day and the average withdrawal amount. Calculating their average normalization value from a normalization value, a third normalized value using a standard deviation according to the specific daily average withdrawal amount and the average withdrawn amount, and a fourth normalized value with respect to the slope of performance, and calculating the average normalized value Multiplying the average withdrawal amount for the corresponding day (or day of the week) may calculate the required funds for the corresponding day (or the day of the week).

The fourth normalization value according to an embodiment of the present invention may be calculated based on an average of slopes of performances of the corresponding day (or day of the week) included in the collected fund performance information. In addition, the fourth normalization value according to an embodiment of the present invention may be calculated as an average of given weights to the performances of the corresponding day (or day of the week).

For example, the fourth normalization value may be calculated by calculating the weight of each week (K1), the total of each week (K2), the delta slope (dB), and the delta weight (dA) from the same day performance for five weeks. . As a more specific example, if the performance of the same day is 50,000 won, 300,000 won, 200,000 won, 400,000 won, 500,000 won, respectively, from five weeks ago to one week ago, the recent days of the week are likely to be similar to the expected results. One week before the weight of the same day may be set to 1, 2, 3, 4, 5. That is, the highest weight 5 may be assigned to the latest day performance and the lowest weight 1 may be assigned to the day performance 5 weeks ago. Based on the weight, the weekly weight K1 may be calculated as 20 * 1 + 30 * 2 + 20 * 3 + 40 * 4 + 50 * 5 = 550. In addition, the weekly sum K2 is 20 + 30 + 20 + 40 + 50 = 160, and the delta slope dB may be calculated as (K1 / 5-3 * K2 / 5) / 10. That is, the delta slope dB is calculated as (550 / 5-3 * 160/5) 10 = 1.4. Further, the delta weight dA may be calculated as (K2) / 5-(dB) * 3 = 160/5-1.4 * 3 = 27.8. Thus, the fourth normalization value may be obtained by dividing the sum of the delta weight dA and the delta slope dB by the average of the day of the week performance. In this case, a more precise fourth normalization value may be calculated by applying a predetermined weight to the delta slope dB, and the predetermined weight may be determined as 6 by an empirical value. That is, the fourth normalization value is calculated as {(dA) + (dB) * 6} / day performance average = 27.8 + 1.4 * 6 = 1.13. The constant values required for calculating the fourth normalization value are experience values obtained through computer simulation, etc., and may be newly determined by appropriately reflecting when the current funds calculated from the calculated required funds are insufficient or remain.

As a result, the current amount of money calculated through the necessary funds reflecting the past financial performance is efficiently determined by holding the financial automation device 110 in comparison with the current amount of money calculated through the conventional neuron algorithm, thereby providing the financial automation device 110. Minimize the idle time of the cash loaded into the bank, which can reduce the risk of interest loss due to the overloading of cash along with the safe storage of the cash.

2 is a diagram showing the internal configuration of the cash management server 100 according to an embodiment of the present invention.

The cash management server 100 according to an exemplary embodiment of the present invention includes an information collecting unit 210, a required fund calculating unit 220, and a current fund calculating unit 230.

The information collecting unit 210 collects fund performance information from the financial automation device 110.

The financial performance information is information recorded with the date and time information of cash withdrawn or deposited from the financial automation device 110, and collected directly from the financial automation device 110 or the financial automation device 110. Can be collected from the managing bank. In addition, the information collecting unit 210, the server of the bank or the financial automation device 110, the Integrated Services Digital Network (ISDN), Asymmetric Digital Subscriber Line (ADSL), LAN (Local) to collect the financial performance information Area network), Ethernet, TCP / IP-based communication network, and FTTH / O / C (optical fiber network).

The required fund calculating unit 220 calculates an average of the funds for a predetermined period and a predetermined normalization value from the funds performance information, and calculates the required funds by multiplying the average and the predetermined normalization value.

The required fund calculation unit 220 is a first normalized value using the standard deviation according to the average withdrawal amount and the average withdrawal amount by day, the second normalized value using the standard deviation according to the average withdrawal amount per day and the average withdrawal amount Calculating their average normalization value from the third normalized value using the average daily withdrawal amount and the standard deviation according to the average withdrawn amount, and the fourth normalized value with respect to the slope of performance, and calculating the average normalized value and the corresponding The required funds for the day (or day) may be calculated by multiplying the average withdrawal amount for the day (or day).

For example, if the average withdrawal amount for 4 weeks is 20 million won, and the standard deviation of the withdrawal average amount is 2 million won, the first normalized value is' 1 + (standard deviation 200 / withdrawal average amount 2000) )) = 1.1 '. In addition, if the average withdrawal amount of 14 million won on the day and the standard deviation is 8 million won in the last six months, the second normalization value is' 1 + (standard deviation (800) / withdrawal average amount (1400)) = 1.57 Is calculated. If the forecast date is a specific day, such as a holiday, and the average withdrawal amount on that day is 25 million won for the last one year, and the standard deviation of 5 million won is' 1 + (standard deviation (500) / withdrawal average) A third normalized value of amount 2500) = 1.2 'is calculated. Thus, assuming that the fourth normalized value for the slope of the performance is 1.2, the average of the normalized values for each day, date, and specific day and the normalized value for the slope of the performance is (1.1 + 1.57 + 1.2 + 1.2) / 4 = 1.27 Is calculated. That is, the average normalization value is 1.27, and when the average of the normalization value is multiplied by the average withdrawal amount for the four weeks, 2535 million won is calculated as the required funds of the day. The required funds may be made by subtracting the amount of money deposited into the automated teller machine 110 from the required funds.

Here, although the withdrawal average amount for 4 weeks was used for the calculation of the required funds and the calculation of the first normalization value, it is not limited thereto, and may be 1, 2, 3, 4, 5, 6, 7... Average withdrawals such as states may be used. In addition, the withdrawal average amount for the last six months was used for the second normalization value calculation, and the withdrawal average amount for the last one year was used for the third normalization value calculation. Average withdrawals over the years may be used.

In addition, if the prediction date of the current funds is not a specific day such as a holiday, the third normalization value may be excluded from the calculation of the average normalization value. When the specific day is once a year, such as when the forecast date of the current funds is a Christmas day, the withdrawal average amount of several years (for example, the last 10 years) may be used to calculate the third normalized value.

The current funds calculation unit 230 predicts the current funds to the financial automation device 110 from the calculated required funds.

The current cash flow calculation unit 230 calculates the current cash flow based on the required funds finally calculated, wherein the current cash flow may be appropriately adjusted according to the cash holding amount of the current transport company. That is, since the shortage situation may occur when cash is transported only with the required funds, the cash flow calculator 230 may predict the cash flow by reflecting the cash holding amount and a certain margin of the cash carrier.

3 is a view for explaining a cash management method according to an embodiment of the present invention.

The cash management server 100 collects the fund performance information from the financial automation device 110 in step 301 to calculate the cash flow to the financial automation device 110. In this case, the financial performance information may be directly transmitted from the financial automation device 110 or indirectly from the bank which collected the financial performance information. To this end, the cash management server 100 is an Integrated Services Digital Network (ISDN), Asymmetric Digital Subscriber Line (ADSL), Local Area Network (LAN), Ethernet, TCP / IP-based communication network, and FTTH / O / C (optical) Connected to the financial automation device 110 or the server of the bank through a network such as a main line network).

Next, in step 302, the cash management server 100 calculates the average and predetermined normalization value of the funds over a period of time from the collected money performance information.

The required money is a withdrawal amount expected to occur on each day in each financial automation device 110, prevents the lack of the balance of the financial automation device 110, and overloading the cash loaded on the financial automation device 110 Information to predict to prevent. Therefore, the cash management server 100 according to the present invention predicts the required funds on the basis of the past day, date, and specific daily fund performance, unlike the conventional invention of calculating the required funds through a neuron algorithm. At this time, the cash management server 100 calculates each normalized value through the average withdrawal amount per day, date, and specific day and the standard deviation according to the average withdrawal amount for a predetermined period, and collects in step 303. A normalization value reflecting the slope of the received fund performance is calculated, and in step 304, an average normalization value is calculated from each of the normalization values and the normalization value reflecting the slope. In conclusion, the cash management server 100 calculates the average normalization value in which the average withdrawal amount used in the past is reflected.

Next, in step 305, the cash management server 100 calculates the required funds through the product of the average normalized value and the average withdrawal amount of a specific day of the week, a specific date, or a specific anniversary to be predicted, and the calculated required funds Through the predict the current cash flow to each financial automation device (110). When the estimated cash flow is confirmed by the manager of the bank or the cash feeder, the cash payer transports cash to the financial automation device 110.

Cash management method according to the present invention by calculating the amount of cash required for the operation of the financial automation device 110 on the basis of past financial performance information, to reduce the current costs that can occur frequently in accordance with the forecast of the necessary funds, Proper forecasting and optimization can reduce unnecessary work and increase the number of transactions to improve operational efficiency. In addition, the cash management method according to the present invention minimizes the idle time of the cash loaded on the financial automation device 110, thereby solving the problem of reducing the loss of interest income for cash that is excessively supplied to the financial automation device 110. And the frequency of cash theft can be reduced.

The cash management method for managing the operating funds of the financial automation device according to the present invention has been described so far, and the details mentioned in the embodiments of FIGS. 1 to 2 can be applied to the present embodiment as it is, so The contents will be omitted.

4 is an internal block diagram of a general purpose computer device that may be employed to perform a cash management method in accordance with the present invention.

Computer device 400 includes one or more processors 410 coupled with a main memory device including random access memory (RAM) 420 and read only memory (ROM) 430. The processor 410 is also called a central processing unit (CPU). As is well known in the art, the ROM 430 serves to transfer data and instructions to the CPU unidirectionally, and the RAM 420 typically transfers data and instructions bidirectionally. Used to. RAM 420 and ROM 430 may include any suitable form of computer readable media. Mass storage 440 is bidirectionally coupled to processor 410 to provide additional data storage capabilities, and may be any of the computer readable recording media described above. The mass storage device 440 is used to store programs, data, and the like, and is a secondary memory device such as a hard disk which is generally slower than the main memory device. Certain mass storage devices such as CD ROM 460 may be used. The processor 410 may include one or more input / output interfaces, such as a video monitor, trackball, mouse, keyboard, microphone, touchscreen display, card reader, magnetic or paper tape reader, voice or handwriting reader, joystick, or other known computer input / output device. Connected with 450. Finally, the processor 410 may be connected to a wired or wireless communication network through the network interface 470. Through this network connection, the procedure of the method described above can be performed. The apparatus and tools described above are well known to those skilled in the computer hardware and software arts.

Embodiments of the present invention include computer readable media including program instructions for performing various computer implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, And hardware devices specifically configured to store and execute the same program instructions. The medium may be a transmission medium such as an optical or metal line, a wave guide, or the like, including a carrier wave for transmitting a signal designating a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

As described above, the present invention has been described with reference to particular embodiments, such as specific elements, and specific embodiments and drawings. However, it should be understood that the present invention is not limited to the above- And various modifications and changes may be made thereto by those skilled in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

According to the present invention, it is possible to provide a cash management server for more precisely managing the funds of the financial automation device by calculating the operating funds used in the financial automation equipment installed in various places based on past financial performance information.

According to the present invention, it is possible to provide a cash management method for calculating required funds, which are the core of operating funds, from past fund performance information according to days, days, and specific days of a financial automation device.

According to the present invention, by efficiently calculating operating funds and appropriately distributing funds to financial automation equipment that requires funds, it reduces costs required for current shipments, reduces unnecessary work through appropriate prediction and optimization, and increases the number of transactions to improve operational efficiency. You can.

According to the present invention, by calculating the required cash to be loaded on the financial automation device based on past financial performance information to minimize the idle time of the cash loaded on the financial automation device, the interest income for the cash oversupply to the financial automation device Solves the problem of loss reduction.

According to the present invention, it is possible to prepare for the cash theft problem by minimizing the idle time of the cash loaded on the financial automation device through the efficient calculation of the required funds.

Claims (15)

In the cash management server to manage the cash flow in conjunction with a financial automation device, An information collecting unit collecting money performance information from the financial automation device; A required fund calculating unit for calculating an average and a normalization value of funds of a predetermined period from the fund performance information, and calculating a required fund by multiplying the average and the normalization value; And Current cash flow calculation unit for predicting the cash flow to the financial automation device from the calculated required funds Including, The required fund calculation unit, Recalling the average of the first normalized value for the corresponding funds for the day, the second normalized value for the corresponding funds for the day, the third normalized value for the corresponding funds for the day, and the fourth normalization value for the slope of the funds Cash management server, characterized in that to calculate a normalized value. The method of claim 1, The required fund calculation unit Reflecting the slope of the funds of the predetermined period, the cash management server, characterized in that for calculating at least one of the required funds by the day, the corresponding funds required by the day, the corresponding funds required by the specific day. The method of claim 1, And said predetermined period is at least one week. delete The method of claim 1, The first normalization value is, Cash management server, characterized in that calculated using the average and standard deviation of the funds withdrawn on the day from the financial performance information collected from the financial automation device. The method of claim 5, And the average and standard deviation of the funds withdrawn on the day of the week used for the first normalized value are the average and standard deviation of the funds withdrawn for at least one week. The method of claim 1, The second normalization value is, Cash management server, characterized in that calculated using the average and standard deviation of the funds withdrawn on the date from the financial performance information collected from the financial automation device. The method of claim 7, wherein And the average and standard deviation of the funds withdrawn on the date used for the second normalized value are the average and standard deviation of the withdrawn funds for at least one month. The method of claim 1, The third normalization value is, Cash management server, characterized in that calculated using the average and standard deviation of the funds withdrawn on the specific day from the financial performance information collected from the financial automation device. 10. The method of claim 9, And the average and standard deviation of the funds withdrawn on the particular day used for the third normalized value are the average and standard deviation of the withdrawn funds for at least one year. The method of claim 1, The fourth normalization value is, The cash management server, characterized in that calculated based on the average of the slopes for the days of the week included in the collected financial performance information. 12. The method of claim 11, And the fourth normalization value is calculated by weighting the corresponding day performances. In a method for managing cash to be transferred to the financial automation device in conjunction with a financial automation device, Collecting, at the cash management server, money performance information from the financial automation device; Calculating, at the cash management server, an average and a normalization value of funds of a predetermined period from the money performance information; Calculating, at the cash management server, the required funds by multiplying the average and the normalized value; And Predicting, in the cash management server, the cash flow to the financial automation device from the calculated required funds; Including Computing the normalization value, Recalling the average of the first normalized value for the corresponding funds for the day, the second normalized value for the corresponding funds for the day, the third normalized value for the corresponding funds for the day and the fourth normalization value for the slope of the funds Calculating With Normalized Values How to manage the cash of the automated financial device comprising a. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 13 on a computer.

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