WO2002095642A1 - Systeme d'ajustement automatique d'un compte bancaire - Google Patents
Systeme d'ajustement automatique d'un compte bancaire Download PDFInfo
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- WO2002095642A1 WO2002095642A1 PCT/JP2002/004923 JP0204923W WO02095642A1 WO 2002095642 A1 WO2002095642 A1 WO 2002095642A1 JP 0204923 W JP0204923 W JP 0204923W WO 02095642 A1 WO02095642 A1 WO 02095642A1
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- balance
- account
- deposit
- automatic adjustment
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Definitions
- the present invention relates to a deposit balance automatic adjustment system and method thereof, and more particularly, to a deposit balance automatic method for automatically transferring among a plurality of deposit accounts respectively opened to a plurality of financial institutions for a single depositor. It relates to a coordination system and its method. Background art
- One object of the present invention is to provide a deposit balance automatic adjustment system and its method effective for payoff measures.
- Another object of the present invention is to provide a deposit balance automatic adjustment system and method capable of securing the necessary balance.
- a page balance automatic adjustment system comprising: means for comparing the balance of an account opened at one of a plurality of financial institutions with a designated balance for the account; If the balance is greater than the designated balance for the account, it will have a transfer means to transfer from the account opened in one financial institution to the account opened in the other financial institution. Therefore, if the balance exceeds the designated balance, the balance is distributed to the accounts of the other financial institutions.
- the deposit balance automatic adjustment system further includes a means for calculating an excess amount by subtracting the designated balance for the account from the balance of the account opened in one financial institution, and ⁇ the other financial institution being opened.
- Means for calculating the margin by subtracting the balance of the account from the designated balance for the account, a means for comparing the excess amount with the margin, and a transfer amount transferable by the transfer means. Provide a means to set the amount of the lesser. Therefore, the balance will not exceed the designated balance even after the transfer.
- the account comprises a liquidity deposit account.
- the deposit balance automatic adjustment system further comprises a designated balance setting means for setting a designated balance for the liquidity deposit account.
- the liquidity deposit account comprises a first account and a second account.
- the designated balance setting means sets a first designated balance for the first account, and sets a second designated balance for the second account. Therefore, even if there are multiple liquidity deposit accounts, it is possible to set a designated balance suitable for each.
- the deposit balance automatic adjustment system is a deposit balance automatic adjustment system for automatically transferring among a plurality of accounts respectively opened to a plurality of financial institutions for one depositor, A means of comparing the balance of an account opened at one of the financial institutions with the required balance for that account, and the balance of the account opened at one financial institution is less than the required balance for that account
- a transfer means for transferring from an account opened in the other financial institution to an account opened in the one financial institution is provided. Therefore, if the balance falls below the required balance, the balance is supplemented from the account of the other financial institution.
- the deposit balance automatic adjustment system further includes a means for calculating a shortage amount by subtracting the necessary balance for the account from the balance of the account opened in one financial institution, and the other financial institution being opened.
- a means for calculating the surplus by subtracting the balance of the account a means for comparing the shortage with the surplus, and a transfer amount transferred by the transfer means Provide a means to set the amount of the lesser. Therefore, the balance will not fall below the required balance even after the transfer.
- the account comprises a liquidity deposit account.
- the deposit balance adjustment system further comprises a required balance setting means for setting the required balance for the liquidity deposit account.
- the liquidity deposit account includes a first account and a second account. Necessary balance setting means sets a first required balance for the first account, and sets a second required balance for the second account. Therefore, even if there are multiple liquidity deposit accounts, it is possible to set the necessary balance appropriate for each.
- the deposit balance automatic adjustment system further comprises means for selecting one of the plurality of accounts in accordance with the predetermined priority. Transfer means transfer from the selected account.
- the deposit balance automatic adjustment system further comprises means for selecting one of the plurality of accounts according to a predetermined priority. The transfer means transfers to the selected account. Therefore, it is possible to maximize the balances of high-traffic and important accounts as much as possible, and minimize the balances of low-traffic non-critical accounts as much as possible.
- the term "financial institution” refers to banks, credit unions, credit unions, labor unions, credit unions, national credit cooperatives, labor unions, agricultural cooperatives, It includes fishery cooperatives, fish processing co-operatives, as well as post offices.
- the deposit insurance system refers to the strength of the deposit insurance system under the Deposit Insurance Act of Japan. ⁇ The agricultural and fisheries industry cooperative savings insurance system, the Federal Deposit Insurance Corporation (FDIC) in the United States, the Deposit Protection Committee in the UK (DPB ), And the insurance system etc. by the French Bankers Association (AFB) etc. in France. Even if the name changes in the future, the same as the above deposit insurance system shall be included.
- sured deposits refers to all financial products that are covered under the deposit insurance system and the ordinary savings, fixed income deposits and postal transfer accounts of post offices that are substantially protected by the government. Shall be included.
- liquidity deposit refers to a financial product that can freely deposit or withdraw current accounts, current accounts, ordinary deposits, ordinary savings, post office ordinary savings and postal transfer accounts.
- Liquidity deposits refers to financial instruments other than liquid deposits, and typically refers to fixed deposits such as time deposits, including term deposits.
- FIG. 1 is a block diagram showing the overall configuration of a computer network system including a deposit balance automatic adjustment system according to an embodiment of the present invention.
- FIG. 2 is a block diagram showing a configuration of P C 1 in FIG.
- FIG. 3 is a flow chart showing a designated balance transfer process of the deposit balance automatic adjustment system according to the embodiment of the present invention.
- FIG. 4 is a flow chart showing the designated balance setting process in FIG.
- Figures 5A and 5B are flowcharts showing the transfer process based on the designated balance in Figure 3.
- FIG. 6 is a flowchart showing another form of balance inquiry processing in FIG. 5A.
- FIG. 7A to 7C are flowcharts showing the process of automatically updating the designated balance in FIG.
- FIG. 8 is a flow chart showing a necessary balance transfer process of the deposit balance automatic adjustment system according to the embodiment of the present invention.
- FIG. 9 is a flow chart showing the required balance setting process in FIG. 3 for Bank X.
- Fig. 10 is a flow chart showing the required balance setting process shown in Fig. 8 for Bank Y.
- Figures 1 1 A and 1 1 B are flowcharts showing transfer processing based on the required balance in Figure 8.
- FIG. 12 is a flowchart showing another form of balance inquiry processing in FIG.
- FIG. 13 is a flow chart showing the necessary balance automatic updating process in FIG.
- FIG. 14 is a flow chart showing another example of the necessary balance setting process in FIG. .
- Fig.15 is a flow chart C3 showing the required balance setting process in Fig.8 in the case of Fig.14.
- Figure 16 ⁇ and Figure 16 ⁇ ⁇ ⁇ are flowcharts showing another example of the specified balance setting process in Figure 3 (results linked setting process).
- FIG. 17 is a view showing a screen displayed by S 1 1 3 in FIG. 1 6A.
- FIG. 18 is a view showing a screen displayed by S 1 15 in FIG. 16 A.
- FIG. 19 is a diagram showing a screen displayed by S 1 18 in FIG. 16 A.
- FIG. 20 is a flow chart showing another example of the performance interlocked setting process shown in FIG. 16A and FIG. 16B.
- the depositor's PC 1 is connected via Internet 2 to a plurality of bank supercomputers 3 and 4 (hereinafter simply referred to as "servers").
- server 3 of bank X and server 4 of bank Y are illustrated.
- depositor's PC 1 is a central processing unit (CPU) 10 and memories such as ROM (read only memory) and RAM (random access memory). 11, a hard disk 12, a display 13, a keyboard 14, a CD-ROM (compact disk one read only memory) drive 15, and a path 16 for connecting them.
- CPU central processing unit
- memories such as ROM (read only memory) and RAM (random access memory).
- ROM read only memory
- RAM random access memory
- hard disk 12 a hard disk 12
- display 13 a display 13
- keyboard 14 a CD-ROM (compact disk one read only memory) drive
- path 16 for connecting them.
- the deposit balance automatic adjustment program (product) described later is stored in CD-ROM 5, which is one of the computer readable recording media.
- CD-ROM 5 When CD-ROM 5 is loaded into drive 15, the deposit balance adjustment program is installed on PC1.
- the deposit balance automatic adjustment program can cause the PC 1 to execute the designated balance transfer process and the necessary balance transfer process, and function the PC 1 as a deposit balance automatic adjustment system described later. The following describes these processes.
- this deposit balance automatic adjustment system first sets a designated balance (S 1), subsequently transfers based on the designated balance (S 2), and finally automatically designates the designated balance. Update (S3). These steps are described below.
- the deposit balance automatic adjustment system sets the designated balance of X bank.
- the designated balance includes a plus designated balance and a minus designated balance.
- Positively designated balances are generally set for current, regular and time deposit accounts with “positive” balances.
- Negative designated balances are set for borrowings with a “negative” balance (loans from the bank).
- the deposit balance automatic adjustment system first sets the plus designated balance for the term deposit account to be equal to the balance of the term deposit account (S 101).
- the plus designated balance for the time deposit account is also set to 8 million yen.
- the deposit balance automatic adjustment system sets a negative designated balance for borrowing equal to the balance of the borrowing (S 102).
- the negative designated balance for borrowing is also set to ⁇ 6 million.
- the depositor operates the keyboard 14 of the PC 1 to input a desired plus designated balance for the checking account (S103). In the example shown in Table 1, 5 million yen is entered as a plus designated balance for the checking account.
- the deposit balance automatic adjustment system adds the negative specified balance for borrowing to 10 million yen, subtracts the total of the positive specified balance for the current account and time deposit account from the total, and adds it for the savings account.
- Calculate the specified balance S 104.
- the plus designated balance for the savings account is set at ⁇ 3 million.
- each designated balance is set so that the result of subtracting the minus designated balance from the sum of the plus designated balance is 100 million yen.
- the automatic deposit balance adjustment system sets the initial designated balance of Bank Y, as shown in Table 1 as well.
- the specific operation is basically the same as above, so the description will not be repeated.
- the deposit balance automatic adjustment system transfers based on the set plus designated balance.
- bank X is considered to be the main bank and bank Y is considered to be a subbank, and transfer account priorities Ad es and transfer source account priorities As ou are set for each deposit account.
- Transfer source account priority As ou is usually Precedence is set opposite to Ads.
- the deposit balance automatic adjustment system determines whether the current date and time is 14:20 on Friday (S 201). Since the bank's failure date is generally considered to be Friday at 15:00, this example takes into consideration the time required for the transfer process and sets the time a little before that.
- the deposit balance automatic adjustment system accesses server 3 of bank X and server 4 of bank Y to inquire the balance of each deposit account (S 202). In this example, the balances shown in Table 1 are queried. At this point, the total balance after deduction of Bank X's borrowings (hereinafter referred to as “the balance total balance”) is ⁇ 12,597,326, which exceeds ⁇ 10,000,000.
- the deposit balance automatic adjustment system searches for a transfer source account whose current balance exceeds the plus specified balance according to transfer source account priority order (S 203 to S 206).
- the specific operation is as follows.
- the deposit balance automatic adjustment system sets transfer source account priority As o u to 1 (S 203).
- Bank Y's savings account is selected as the transfer source account.
- the deposit balance automatic adjustment system determines whether the balance of the selected transfer source account exceeds the specified balance of the plus (S 204). If it does, the process proceeds to S 207 to search for a transfer destination account.
- the deposit balance automatic adjustment system increments the transfer source account priority A so u (S 205).
- the deposit balance automatic adjustment system determines whether or not the transfer source account priority As ou has exceeded the maximum number (3 in this example) (S 206), and if it exceeds the transfer processing is terminated and exceeded. If not, return to S 204.
- the deposit balance automatic adjustment system according to the transfer destination account priority Ads, Search for a transferee account whose current balance is less than the plus specified balance (S2 07 to S20).
- the specific operation is as follows.
- the deposit balance automatic adjustment system sets the transfer destination account priority Ad e s to 1 (S 20 7).
- the transfer destination account priority Ad e s is selected as the transfer destination account.
- the deposit balance automatic adjustment system determines whether or not the balance of the selected transfer destination account is smaller than the plus designated balance (S208). If not, proceed to S21 1 to determine the amount of money to be transferred.
- the deposit balance automatic adjustment system increments the transfer destination account priority Ad e s (S 2 0 9).
- the deposit balance automatic adjustment system determines whether or not the transfer destination account priority A des exceeds the maximum number (3 in the example shown in Table 1) (S 2 10), and if it exceeds the designated balance End the transfer process based on, return to S 2 0 8 if not exceeded.
- a deposit account is selected as the transfer destination account.
- the deposit balance automatic adjustment system subtracts the specified designated balance from the balance of the selected transfer source account to calculate the excess amount (S21 1).
- the excess amount of 2,983,214 yen is calculated by subtracting the plus specified balance of 3,000,000 yen from the balance of bank X's savings account of 5,983,214 yen.
- the deposit balance automatic adjustment system subtracts the balance of the selected specified account for the transfer destination account from the balance of the account to calculate the surplus (S 212).
- the surplus amount of ⁇ 385,888 is calculated by subtracting the balance of ⁇ 4,614,112 from the positive specified balance of ⁇ 5,000,000 for Bank X's checking account.
- the deposit balance automatic adjustment system compares the calculated excess amount with the margin amount (S2 1 3), and if the excess amount is smaller, the excess amount is made the transfer amount (S 2 1 4), If the amount of surplus is smaller, the amount of surplus is taken as the transfer amount (S 2 15). That is, the deposit balance automatic adjustment system sets the lesser of the excess amount and the surplus amount as the transfer amount.
- the excess amount of the bank X savings account Since the surplus amount of 385, 888 yen for Bank X's current account is smaller than 2, 983, 214 yen, the transfer amount is set to 385, 888 yen.
- the deposit balance automatic adjustment system rounds off the transfer amount.
- fractions less than 10,000 yen of the 385,888 yen transfer amount will be cut off, and the transfer amount will be 380,000 yen.
- the deposit balance automatic adjustment system displays this transfer amount on the display 13 and asks the depositor to approve the transfer (S 2 17).
- the deposit balance automatic adjustment system sends a command to the server 3 or 4 of the bank having the transfer source account to transfer the determined transfer amount from the transfer source account to the transfer destination account. (S 2 1 8).
- ⁇ 380,000 is transferred from the savings account of Bank X to the checking account of the same bank.
- the transfer amount is set to 2,603,214 yen (S21 1 to S215).
- the fraction less than 10,000 yen of the 2,603,214 yen transfer amount is rounded up, and the transfer amount will be 2,610,000 yen.
- ⁇ 2,610,000 will be transferred from Bank X's savings account to Bank Y's savings account.
- Table 1 the balances of all current account and savings accounts will be within the plus designated balance, and the total balance of Bank X will be 9, 987, 326 yen within 10, 000, 000 yen.
- the balance of the transfer account does not exceed the plus specified balance.
- transfer source account and transfer destination account are searched according to the priority order, it is possible to collect deposits as the account is more important for transactions and not as much as accounts that are not so.
- balance inquiries are made at a predetermined date and time (14:20 on Friday in the above example) slightly before the date when the bank may go down, and the excess amount will be distributed to other banks. As a result, even if the bank goes down, the depositor will not suffer any damage if the deposit is not refunded.
- the balance inquiry may be made one day (in this example, 15 o'clock on Thursday) before the date when the bank may go bankrupt (S 2 2 1, S 2 0 2). ).
- the depositor enters the expected deposit amount (S 22 2), and the deposit balance automatic adjustment system adds the expected deposit amount to the current balance, and from Z or the current balance the expected withdrawal amount Subtract and, as a result, calculate the expected balance (S 2 2 3) o
- the deposit balance automatic adjustment system automatically sets the designated balance of the time deposit account to be equal to the balance of the time deposit account (S301). If the balance of the time deposit account has changed, the plus designated balance for the time deposit account is automatically set equal to the new balance.
- the deposit balance automatic adjustment system automatically sets a negative designated balance for borrowing to the same amount as the balance of the borrowing (S302). If the balance of borrowing changes If so, the negative designated balance for borrowing is automatically set equal to the new balance.
- the total designated balance will be less than ⁇ 10 million, so it is possible to increase the plus designated balance for the liquidity deposit account.
- the total designated balance will be more than ⁇ 10 million, so the plus designated balance for the liquidity deposit account must be reduced.
- the time deposits and borrowings do not change, the total of the designated balances will remain unchanged at 10 million yen, so it is not necessary to change the plus designated balance for the liquidity deposit account.
- Table 2 A table of plus specified balance limits as shown in Table 2 is created in advance and stored in the hard disk 12. In this method, one maximum amount and one minimum amount are set as plus designated balances for one account.
- Table 2 Positive designated balance limit table In the example shown in Table 2, when increasing the plus designated balance, first increase the brass designated balance for the checking account, and then increase the plus designated balance for the savings account. Increase priority A inc is set to make Conversely, when decreasing the positive designated balance, the reduction priority A dec is set to first decrease the positive designated balance for the savings account and then reduce the positive designated balance for the checking account. .
- the deposit balance automatic adjustment system first sets the increase priority A inc to 1 (S 31 1).
- the deposit balance automatic adjustment system determines whether or not the plus designated balance for the deposit account of A inc is less than the maximum limit by referring to the plus designated balance limit table of Table 2 (S 3 1 2) ). If the positive designated balance is less than the maximum limit, proceed to step S3 1 3 to increase the positive designated balance for the deposit account of A in c. On the other hand, if the plus designated balance is equal to or more than the maximum limit, the process proceeds to step S318 to move to the next priority deposit account.
- the automatic deposit balance adjustment system subtracts the plus designated balance from the maximum limit to calculate an increase possible amount (S3 13). Subsequently, the deposit balance automatic adjustment system calculates the necessary increase by subtracting the sum of the plus designated balance from 10 million yen (S 3 14).
- the deposit balance automatic adjustment system determines whether the necessary increase is within the possible increase (S 35). If the required increase is within the possible increase, the deposit balance automatic adjustment system adds the required increase to the plus designated balance to calculate a new plus designated balance (S 3 16). In this case, the process ends because the plus designated balance has been increased as necessary. On the other hand, if the required increase exceeds the possible increase, the deposit balance automatic adjustment system sets the plus designated balance as the maximum limit (S 3 17). In this case, since the plus designated balance is increased as much as possible but not as much as necessary, the process proceeds to step S318 to move to the next priority deposit account. If, in step S32, the plus designated balance is above the maximum limit, or after increasing the plus designated balance to the maximum limit in step S317, the system for automatically adjusting the deposit balance has an increase priority A inc. Increment (S3 1 8).
- the deposit balance automatic adjustment system In the example, it is determined whether or not 2) is exceeded. If it is exceeded, the process is ended, and if it is not exceeded, the process returns to step S312.
- the deposit balance automatic adjustment system first sets the reduction priority A de c to 1 (S 3 2 1).
- the deposit balance automatic adjustment system refers to the plus designated balance limit table of Table 2 to determine whether the plus designated balance for the A dec deposit account is larger than the minimum amount (S 3 twenty two ) . If the positive designated balance is greater than the minimum amount, proceed to step S323 to reduce the positive designated balance for the deposit account of Adec. On the other hand, if the plus designated balance is equal to or less than the minimum amount, the process proceeds to step S328 to move to the next priority deposit account.
- the deposit balance automatic adjustment system subtracts the minimum amount from the plus designated balance to calculate the possible reduction amount (S 3 23). Subsequently, the deposit balance automatic adjustment system calculates the necessary reduction by subtracting 10 million yen from the total of the plus designated balance (S324).
- the deposit balance automatic adjustment system determines whether the necessary reduction is within the possible reduction amount (S325). If the required reduction is within the possible reduction amount, the deposit balance automatic adjustment system subtracts the required reduction from the plus designated balance to calculate a new plus designated balance (S 3 2 6). In this case, the process ends because the plus designated balance has been reduced by the necessary amount. On the other hand, if the required reduction amount exceeds the possible reduction amount, the deposit balance automatic adjustment system sets the plus designated balance as the minimum amount (S 3 2 7). In this case, as the plus designated balance is reduced as much as possible but not as much as necessary, the process proceeds to step S328 to move to the next priority deposit account.
- step S 32 2 If the positive designated balance is below the minimum amount in step S 32 2, or after reducing the positive designated balance to the minimum amount in step S 3 2 7, the deposit balance automatic adjustment system will have the reduction priority A dec Is incremented (S3 2 8).
- the deposit balance automatic adjustment system determines whether or not the reduction priority A dec has exceeded the maximum number (2 in this example), and if it has exceeded, the processing is ended and it has not exceeded If so, return to step S322.
- Table 3 shows the transition of each designated balance when the plus designated balance can be increased by ⁇ 500,000 because the term deposits have been reduced by ⁇ 500,000.
- Table 4 shows the transition of each designated balance when the plus designated balance can be increased by 10 million yen to increase the borrowing by 10 million yen.
- Table 4 Borrowing increased by 10 million yen
- Table 5 shows the transition of each designated balance when it is necessary to reduce the plus designated balance by ⁇ 100,000 because the time deposit has been increased by ⁇ 100,000.
- Table 6 shows the transition of each designated balance when it is necessary to reduce the plus designated balance by ⁇ 100,000 because the borrowing has been reduced by ⁇ 100,000.
- Table 6 Decreased debt by ⁇ 100,000
- the plus designated balance for one deposit account is set. Can reach the maximum or limit at a stretch, and the difference from the plus designated balance for another deposit account may become too large. To avoid this, the method sets the maximum and minimum amount of multiple plus designated balances for one deposit account.
- a plus designated balance limit table as shown in Table 7 is prepared in advance and stored in the hard disk 12.
- the plus designated balance for the checking account is first added to 800.000 yen, and then the plus designated balance for the ordinary deposit account is 500 thousand. The yen will be added, and then the plus designated balance for the checking account will increase again to ⁇ 120,000, and finally, the plus designated balance for the repayment savings account will increase without limit.
- the positive designated balance for the savings account first decreases to ⁇ 100,000, and then the positive designated balance for the checking account decreases to ⁇ 400,000, Subsequently, the positive designated balance for the savings account decreases again to 0 yen, and finally, the positive designated balance for the checking account decreases again to 0 yen.
- the following shows an example of automatically increasing the plus specified balance by this method and an example of reducing the total, four each in total.
- Table 8 shows the transition of each designated balance when the plus designated balance can be increased by ⁇ 400,000 because the time deposit is reduced by ⁇ 400,000.
- Table 8 Decreased time deposit by 400,000 yen
- Table 9 shows the transition of each designated balance when the plus designated balance is increased by 500,000 yen to increase the borrowing by 500,000 yen.
- Table 9 Increase the borrowing by 500,000 yen
- Table 10 shows the transition of each designated balance when it is necessary to reduce the plus designated balance by ⁇ 100,000 because the time deposit has been increased by ⁇ 100,000.
- Table 10 Increase time deposit by ⁇ 100,000
- Table 1 1 shows that the designated balance has been reduced by 400 million yen because the debt has been reduced by 400 million yen. Shows the transition of each designated balance when it is necessary to Table 11: 4 million yen reduction in debt
- the required balance is set up in the liquidity deposit account of the current account and savings account.
- the automatic deposit adjustment system sets the necessary balance of Bank X.
- Table 12 Example of setting required balance etc.
- the deposit balance automatic adjustment system automatically sets the necessary balance for the checking account to the same amount as the plus designated balance for the checking account (S 401).
- the necessary balance for the checking account is also automatically set to 5 million yen.
- the deposit balance automatic adjustment system automatically sets the necessary balance for the savings account to the same amount as the plus designated balance for the savings account (S 402).
- the plus designated balance for the ordinary deposit account is 3 million yen
- the required balance for the ordinary deposit account is also automatically set to 3 million yen.
- the deposit balance automatic adjustment system sets the necessary balance of Bank Y as shown in Table 12, for example.
- the depositor operates the key pad 14 of PC 1 to input a desired necessary balance for the checking account (S403).
- the required balance for the checking account is set to 0 yen.
- the depositor operates the key pad 14 of PC 1 to input the required necessary balance for the savings account (S 404).
- the required balance for the savings account is set to 0 yen.
- the deposit balance adjustment system transfers money based on the required balance set.
- Wow As in the case of transfers based on the designated balance described above, also in this case, in order to transfer, it is necessary to determine the transfer source account, transfer destination account, and transfer amount. Therefore, also in this case, the transferee account priority Ade and the transferer account priority Asou described above are used.
- the deposit balance automatic adjustment system first determines whether the current date and time is 15:00 on the day before the payment (S 501). Since the payment date is usually known, it is preset by the depositor.
- the deposit balance automatic adjustment system accesses the server 3 of bank X and the server 4 of bank Y and inquires the balance of each deposit account (S 502).
- the deposit balance automatic adjustment system searches for a transfer source account whose current balance exceeds the required balance according to transfer source account priority order (S 503 to S 506).
- the specific operation is as follows.
- the deposit balance automatic adjustment system sets the transfer source account priority A sou to 1 (S 503).
- the deposit balance automatic adjustment system determines whether the balance of the selected transfer source account exceeds the necessary balance (S 504). If it is exceeded, the process advances to step S 507 to search for a transfer destination account.
- the deposit balance automatic adjustment system increments the transfer source account priority A so u (S 505).
- the deposit balance automatic adjustment system is the maximum transfer source account priority A so u
- the deposit balance automatic adjustment system searches for a transfer destination account whose current balance is smaller than the required balance according to the transfer destination account priority Ad e s (S 507 to S 51 0).
- the specific operation is as follows.
- the deposit balance automatic adjustment system sets the transfer destination account priority Ad e s to 1 (S 507).
- the deposit balance automatic adjustment system checks that the balance of the selected transfer destination account It is judged whether it is smaller than the required balance (S 5 0 8). If not, go to S 51 1 to determine the amount of money to be transferred.
- the deposit balance automatic adjustment system increments the transfer destination account priority A d s (S 50 9).
- the deposit balance automatic adjustment system determines whether the transfer destination account priority A des exceeds the maximum number (3 in the example shown in Table 12) (S 5 10), and if it exceeds, the transfer process End and return to S 5 0 8 if not exceeded.
- the deposit balance automatic adjustment system subtracts the necessary balance from the balance of the selected transfer source account to calculate the surplus (S 51 1).
- the deposit balance automatic adjustment system subtracts the balance of the selected transferee account from the balance necessary for the transferee account to calculate the shortage (S512).
- the deposit balance automatic adjustment system compares the calculated surplus amount with the shortage amount (S 51 3), and if the surplus amount is smaller, the surplus amount is regarded as the transfer amount (S 54 1 4), If the shortfall is smaller, the shortfall is used as the transfer amount (S 5 15). That is, the deposit balance automatic adjustment system sets the lesser of the excess amount and the surplus amount as the transfer amount.
- the deposit balance automatic adjustment system rounds off the transfer amount (S 5 16). Subsequently, the deposit balance automatic adjustment system displays this transfer amount on the display 13 and asks the depositor to approve the transfer (S 5 17). When the depositor approves the transfer, the deposit balance automatic adjustment system sends a command to the server 3 or 4 of the bank having the transfer source account to transfer the determined transfer amount from the transfer source account to the transfer destination account. (S 5
- the balance inquiry may be made at 15:00 on the day before the payment date (S5
- the depositor inputs the expected deposit amount (S 22 2), and the automatic adjustment system for deposit balances Is added and Z and Z or the current balance are subtracted, and as a result, the expected balance is calculated (S 2 23).
- the deposit balance automatic adjustment system automatically sets the necessary balance for the checking account to the same amount as the plus designated balance for the checking account (S601). If the plus designated balance for the checking account has changed, the required balance for the checking account is automatically set to the same amount as the new plus designated balance.
- the deposit balance automatic adjustment system automatically sets the necessary balance for the savings account to the same amount as the plus designated balance for the savings account (S602). If the plus designated balance for the savings account has changed, the required balance for the savings account is automatically set equal to the new plus designated balance.
- the required balance is set equal to the plus designated balance, but may be set to an amount different from the plus designated balance.
- steps S 4 0 3 and S 4 0 4 shown in FIG. 10 steps S 4 1 1 and S 4 1 2 are added as shown in FIG.
- the automatic adjustment system for the deposit balance will be a checking account. Calculate the current balance 1 0 million yen by subtracting the required balance 4 00 0 million yen input from the positive specified balance 5 00 million yen for the account (S 4 1
- the deposit balance automatic adjustment system Savings account entered from plus specified balance 300 million yen for savings account Calculate the ordinary difference of 100 million yen (S 4 1 2) by subtracting the necessary balance of 200 million yen for daily use.
- step S41 when the plus designated balance for the checking account increases by 500,000 yen to 55,000 yen, it is calculated in step S41 from the plus designated balance for the checking account from 55,000 yen Calculate the new required balance 45.0 million yen for the checking account (S 4 2 1) by subtracting the current account difference 100 million yen (S 4 2 1).
- the plus designated balance for the ordinary deposit account decreases by ⁇ 500,000 to ⁇ 250,000
- the plus designated balance for the ordinary deposit account is calculated from the plus designated balance for ⁇ 250,000 in step S 4 12 above. Calculate the new required balance 1500,000 yen for the savings account by subtracting the common difference 10,000 yen (S4 2 2).
- the plus designated balance may be automatically set based on the past payment results.
- the following describes an example of automatically setting a plus designated balance for a savings account among liquidity deposit accounts.
- the depositor operates the key pad 14 to enter bank name, account type, account number, reference period, displayed days, maximum and minimum amount.
- bank name As the bank name
- General deposit as the type of deposit account
- 1 2 3 4 5 6 7 as the account number
- Ampr. 1-2000 as the result display period
- Enter 5 days” as the display days
- 600 million yen as the maximum amount
- 100 million yen as the minimum amount (S 1 1 1) o
- Depositors can enter the desired reference performance period, but it is preferable to enter the most recent period as possible. Also, if the first day of the reference actual period entered falls on a bank holiday, the deposit balance automatic adjustment system will automatically change the first day to the previous sales team. Similarly, the last day of the entered results display period is a bank holiday If so, the deposit balance adjustment system will automatically change the last day to the next business day.
- the deposit balance automatic adjustment system calculates the total daily payment amount in the entered actual display period (S 1 1 2).
- the automatic deposit balance adjustment system displays the order, the payment date and the total payment amount in the order of the days with the calculated total payment amount, by the number of display days entered. (S 1 1 3).
- the depositor clicks on the content display key corresponding to the desired payment (S1 1 4).
- the deposit balance automatic adjustment system displays the breakdown of the selected payment (S1 15). For example, if the depositor selects the first total payment amount of “6, 586, 992 yen,” the deposit balance automatic adjustment system displays a breakdown as shown in Figure 18.
- the depositor selects the extraordinary expenditure which is considered not to be normal (S 1 16), and the right column thereof displays that the expenditure is extraordinary.
- the depositor performs the same process for the second to fifth total payment amounts.
- the deposit balance automatic adjustment system calculates again the total amount of daily payment again except for the selected temporary expenditure (S1 1 7).
- the automatic deposit balance adjustment system displays the order, the payment date and the total payment amount in the descending order of the total payment amount calculated again (S I 18). In this example, only the first total payment amount has changed, as there are no temporary payments in the second to fifth positions.
- the depositor selects a desired payment out of the displayed five payments (S 1 1 9).
- a desired payment is selected.
- the depositor then enters the expected change in the payment selected.
- the deposit balance automatic adjustment system adds the input increase to the selected total payment amount and subtracts the input reduction from the selected total payment amount or As a result, the expected total payment amount is calculated (S 121).
- Margin plus designated balance insurance limit amount-(Period of deposit account balance-Borrowed balance)
- the margin plus designated balance is the total of plus designated balances that can be set for the checking account and the savings account. For example, assuming that the insurance limit in the Japanese deposit insurance system is ⁇ 10 million, the balance of the time deposit account is ⁇ 8 million, and the balance of borrowing is ⁇ 6 million, the allowance plus designated balance is ⁇ 8 million.
- the balance of the time deposit account in the above formula is used as the balance of the time deposit account. You may use a positive designated balance for time deposits, and use a negative designated balance for borrowing as the balance of borrowing.
- the 3 ⁇ 4 automatic balance adjustment system compares the expected total payment amount with the margin plus specified balance (S 123), and sets it as the positive specified balance if the expected total payment amount is smaller (S 123). 124) If margin plus designated balance is smaller, set it as plus designated balance (S 125). In the above-mentioned example, since the expected total payment amount 3,086,992 yen is smaller than the margin plus specified balance 80.0 million yen, the plus specified balance is set to 3,086,992 yen.
- the deposit balance automatic adjustment system processes the set margin plus designated balance fraction (S 126). For example, when rounding down below 100,000 yen, the margin plus designated balance is 3 million yen in the above example.
- the margin plus designated balance is the total of plus designated balances that can be set for the checking account and the savings account
- the margin plus designated balance is set as the plus designated balance for the savings account as it is, for the checking account You will no longer be able to set a positive balance. Therefore, in step S111, the upper limit of the plus designated balance that can be set for the ordinary savings account is entered.
- the plus that can be set for the ordinary deposit account You have entered the minimum amount for the specified balance.
- the deposit balance adjustment system sets the plus designated balance between the maximum and the minimum as described later.
- the deposit balance automatic adjustment system compares the plus designated balance with the entered maximum limit (S 127), and sets the plus designated balance to the maximum limit if the plus designated balance exceeds the maximum limit. Set again (S 128), and if it does not exceed, the set balance is used as it is.
- the deposit balance automatic adjustment system compares the plus designated balance with the entered minimum amount (S 129), and if the plus designated balance is less than the minimum amount, the plus designated balance is made the minimum amount. Reset again (S130), and if it is not below it, use the set plus designated balance as it is.
- the temporary expenditure is checked and deducted, but the temporary expenditure may be checked in advance and deducted.
- the depositor checks the temporary expenditure at the time of expenditure (S 131).
- the depositor inputs the bank name, the type of deposit account, the account number, the reference actual period, the date of change of the specified balance of the brush, the maximum and the minimum amount (S 132).
- the depositor inputs the bank name, the type of deposit account, the account number, the reference actual period, the date of change of the specified balance of the brush, the maximum and the minimum amount (S 132).
- the deposit balance automatic adjustment system calculates the total daily payment amount in the input reference result period except for the temporary expenses checked in advance (S 133). Subsequently, the deposit balance automatic adjustment system displays the highest total payment amount among the calculated total payment amounts (S 134). In the case of the example described above, the highest total payment amount 3,086,992 yen is displayed within the period from April 1, 2000 to September 30, 2000. Here, the deposit balance automatic adjustment system sets the next reference actual period to "Oct. 1, 2000 6 months".
- the deposit balance automatic adjustment system executes the processing of steps S 122 to S 130 shown in FIGS. 16A and 16B as in the above embodiment.
- the deposit balance automatic adjustment system executes the processing of steps S 122 to S 130 shown in FIGS. 16A and 16B as in the above embodiment.
- the total payment amount as it is without calculating the expected total payment amount.
- a positive designated balance is set for the time deposit account, and a negative designated balance is set for the borrowing.
- these designated balances are set. It does not have to be. This is because the plus designated balance is set equal to the term deposit balance, and the minus designated balance is set equal to the borrowing. If a plus designated balance for a term deposit account and a minus designated balance for a borrowing are not set, the insurance limit amount is the sum of the plus designated balance for the current account and the savings account and the term deposit balance and offset the debt. You can set a plus designated balance for your current account and savings account to be equal.
- a positive designated balance for a term deposit account is set, but a negative designated balance for a loan is not set, the sum of the plus designated balance for current and ordinary savings accounts and the positive designated balance for term deposits If you set a plus designated balance for the current account and savings account so that the amount offsetting the debt equals the insurance limit, it is better. Also, if no positive designated balance for time deposit accounts is set, but a negative designated balance for borrowings is set, the sum of the plus designated balance for current and ordinary savings accounts and the term deposit balance will result in a negative finger for borrowings. If you set the plus specified balance for the current account and savings account so that the amount offsetting the fixed balance is equal to the insurance limit, it is better.
- the designated balance transfer processing and the necessary balance transfer processing are performed in combination, it is also possible to carry out each independently.
- two are used as a liquidity deposit account, a checking account and a savings account, three or more accounts may be used.
- the designated residual amount is set so that the residual amount does not exceed the insurance insurance limit of the deposit insurance system, it is not necessary to be exactly. That is, the amount may be set to an amount different from the insurance limit amount by a desired amount, for example, 120,000 yen or 800 million yen.
- the calculated transfer amount may be rounded up or down. The rounding may be done in short.
- the deposit balance adjustment program may be installed on the server of the power bank installed on the depositor's PC. Therefore, in the present invention, one bank It is also possible to carry out alone.
- the deposit balance adjustment program may be distributed and installed on multiple computers. Further, in the above embodiment, the computers are connected to each other through the Internet, but may be connected through any communication line. Also, although two banks are illustrated in the above embodiment, the present invention is also applicable when there are three or more banks.
- the embodiment of the present invention has been described above, but the above-described embodiment is merely an example for carrying out the present invention. Therefore, the present invention is not limited to the above-described embodiment, and the above-described embodiment can be appropriately modified and implemented without departing from the scope of the invention.
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
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US10/478,109 US7509287B2 (en) | 2001-05-23 | 2002-05-21 | Bank account automatic adjustment system |
JP2002592030A JP4198473B2 (ja) | 2001-05-23 | 2002-05-21 | 預金残高自動調整システム及びその方法 |
Applications Claiming Priority (2)
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JP2001-153561 | 2001-05-23 | ||
JP2001153561 | 2001-05-23 |
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WO2002095642A1 true WO2002095642A1 (fr) | 2002-11-28 |
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PCT/JP2002/004923 WO2002095642A1 (fr) | 2001-05-23 | 2002-05-21 | Systeme d'ajustement automatique d'un compte bancaire |
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US (1) | US7509287B2 (ja) |
JP (1) | JP4198473B2 (ja) |
WO (1) | WO2002095642A1 (ja) |
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- 2002-05-21 JP JP2002592030A patent/JP4198473B2/ja not_active Expired - Fee Related
- 2002-05-21 US US10/478,109 patent/US7509287B2/en not_active Expired - Fee Related
- 2002-05-21 WO PCT/JP2002/004923 patent/WO2002095642A1/ja active Application Filing
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US5631828A (en) * | 1992-07-10 | 1997-05-20 | Hagan; Bernard P. | Method and system for processing federally insured annuity and life insurance investments |
JPH07282161A (ja) * | 1994-04-08 | 1995-10-27 | Kougin Syst Kaihatsu Kk | 金融情報処理システム |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
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CN109493031A (zh) * | 2018-11-27 | 2019-03-19 | 苏州达家迎信息技术有限公司 | 结合消费账单的薪酬支付方法、装置、终端及存储介质 |
JP2020080201A (ja) * | 2020-03-09 | 2020-05-28 | 株式会社ebs | 組織内通貨管理装置 |
JP7113955B1 (ja) | 2021-12-10 | 2022-08-05 | PayPay株式会社 | 情報処理装置、情報処理方法及び情報処理プログラム |
JP2023086265A (ja) * | 2021-12-10 | 2023-06-22 | PayPay株式会社 | 情報処理装置、情報処理方法及び情報処理プログラム |
Also Published As
Publication number | Publication date |
---|---|
JP4198473B2 (ja) | 2008-12-17 |
US20040177036A1 (en) | 2004-09-09 |
JPWO2002095642A1 (ja) | 2004-09-09 |
US7509287B2 (en) | 2009-03-24 |
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