JP2006215992A

JP2006215992A - Account management system and method

Info

Publication number: JP2006215992A
Application number: JP2005031051A
Authority: JP
Inventors: Masato Yamada; 正人山田; Toshifumi Hara; 敏文原
Original assignee: Nomura Research Institute Ltd; Nomura Securities Co Ltd
Current assignee: Nomura Research Institute Ltd; Nomura Securities Co Ltd
Priority date: 2005-02-07
Filing date: 2005-02-07
Publication date: 2006-08-17

Abstract

<P>PROBLEM TO BE SOLVED: To rationalize processing for an unsettled account of a customer having a plurality of accounts. <P>SOLUTION: An account management system 100 is provided with an account information storage part 105 and a control part 101. In addition, (1) the account information storage part 105 stores a customer ID, a settlement account identifier indicating whether the account is a settlement account, and a deposited or unsettled amount of money for each account, and (2) the control part 101 transfers the deposited or unsettled amount of money of each account from at least one account, which is regarded as an unsettlement account by the settlement account identifier, to one account which is regarded as a settlement account by the settlement account identifier, and sums up, at the settlement account, the deposited or unsettled amount of money of the settlement account and a deposited or unsettled amount of money transferred from other accounts. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

本発明は、１人の顧客が有する複数の口座間における自動精算を可能とする口座管理システム及び方法に関する。 The present invention relates to an account management system and method that enable automatic settlement between a plurality of accounts held by one customer.

株式、債権等の売買に伴う決済において、決済口座から買付分の振替入庫データを預託口座へ振り替え、預託口座から決済口座へ売却分の振替出庫データを振り替えることが開示されている（例えば、特許文献１参照）。
特開２００３−３６３４８号公報 It is disclosed to transfer transfer receipt data for purchases from a settlement account to a depository account and transfer transfer data for sale from a deposit account to a settlement account in the settlement associated with trading of stocks, claims, etc. (for example, Patent Document 1).
JP 2003-36348 A

しかし、１人の顧客が１つの証券会社に対して複数の口座を有する場合であって、一方の口座に預り金があり、他方の口座に未済金が生じている場合には、一方の口座の預り金が他方の口座の未済金を上回る場合であっても、未済金が生じている口座に未済金以上の入金をしなければならない。 However, if one customer has multiple accounts for one securities company and one account has deposits and the other account has outstanding funds, one account Even if the amount of deposits exceeds the balance of the other account, it is necessary to deposit more than the amount of the deposit to the account in which the deposit has occurred.

図４は、従来の１顧客複数口座の精算における問題点を説明するための概念図である。同図に示すように、例えば、顧客No.：1234567である顧客Aが、一般口座（口座No.1）、SMA(Separate Managed Account)口座（口座No.2）及び特定口座（口座No.3）を有するとする。そして、口座No.1でA銘柄を買ったため100,000円の未済金が生じ、口座No.2でB銘柄を売ったため300,000円の預り金が生じ、口座No.3でC銘柄を買ったため100,000円の未済金が生じたものとする。かかる場合、口座No.1に対しては100,000円の入金が必要となり、口座No.2からは300,000円の出金が可能となり、口座No.3に対しては100,000円の入金が必要となる。このように全口座合計では預り金が未済金総額を上回っているにも拘わらず、未済金処理が必要になる。 FIG. 4 is a conceptual diagram for explaining problems in the conventional settlement of one customer's multiple accounts. As shown in the figure, for example, customer A with customer No .: 1234567 has a general account (account No. 1), an SMA (Separate Managed Account) account (account No. 2), and a specific account (account No. 3). ). And because the A brand was bought in account No.1, 100,000 yen was outstanding, and the B brand was sold in account No.2, resulting in a deposit of 300,000 yen, and because the C brand was bought in account No.3, 100,000 yen It is assumed that the outstanding balance has occurred. In such a case, a deposit of 100,000 yen is required for account No. 1, a 300,000 yen withdrawal is possible from account No. 2, and a 100,000 yen deposit is required for account No. 3. . As described above, in all account totals, the deposit processing is necessary even though the deposit amount exceeds the total deposit amount.

仮に口座No.2の預り金を口座No.1及び口座No.3の未済金の支払いに充当する場合には、顧客Aは口座No.2へアクセスして300,000円を出金し、口座No.1へアクセスして100,000円を入金し、さらに口座No.3へアクセスして100,000円を入金しなければならない。 If the deposit in account No. 2 is used to pay the outstanding balance in account No. 1 and account No. 3, customer A accesses account No. 2 and withdraws 300,000 yen. Access to .1 and deposit 100,000 yen, and access to account No.3 and deposit 100,000 yen.

本発明の第１の特徴は、口座情報記憶部と制御部とを備える口座管理システムであって、（１）口座情報記憶部は、顧客ＩＤ、精算口座か否かを示す精算口座識別子、及び各口座の預り金又は未済金を記憶し、（２）制御部は、精算口座識別子によって非精算口座とみなされる少なくとも一つの口座から各口座の預り金又は未済金を、精算口座識別子によって精算口座とみなされる一つの口座へ振り替え、精算口座において精算口座の預り金又は未済金と他の口座から振り替えられた預り金又は未済金とが合算されるることにある。 A first feature of the present invention is an account management system including an account information storage unit and a control unit, (1) the account information storage unit is a customer ID, a settlement account identifier indicating whether or not a settlement account, and (2) The control unit stores the deposits or accounts payable in each account from at least one account that is regarded as a non-settlement account by the settlement account identifier, and the settlement account by the settlement account identifier. Transfer to one account that is considered to be, and in the checkout account, the deposit or unpaid money of the checkout account and the deposit or unpaid money transferred from another account are added together.

本発明の第１の特徴によれば、複数口座の各口座に分散している預り金及び未済金を一つの精算口座に振り替え、非精算口座から預り金又は未済金を全て無くし、精算口座において全ての預り金及び未済金を合算することによって、顧客の入出金手続きを合理化することができる。 According to the first feature of the present invention, the deposits and unpaid money distributed in each account of a plurality of accounts are transferred to one settlement account, and all deposits or unpaid accounts are removed from the unsettled account. By adding up all deposits and accounts payable, customers' deposit and withdrawal procedures can be streamlined.

以下に図面に基づいて、本発明を実施するための最良の形態を説明する。なお、以下の説明は、単なる例示に過ぎず、本発明の技術的範囲は以下の説明によって限定されるものではない。 The best mode for carrying out the present invention will be described below with reference to the drawings. The following description is merely an example, and the technical scope of the present invention is not limited by the following description.

本実施形態においては、１人の顧客が複数の口座を持つことを前提とする。そして、各口座の預り金及び未済金は、精算口座へ移送され、当該精算口座において全ての口座についての精算が一括して行われる。 In the present embodiment, it is assumed that one customer has a plurality of accounts. Then, the deposits and unpaid money of each account are transferred to a settlement account, and settlement for all accounts is performed collectively in the settlement account.

図１は、本発明の実施の形態に係る口座管理システムを示す概略構成図である。図１に示すように、口座管理システム１００は、制御部１０１、通信部１０３、及び口座情報記憶部１０５を備える。制御部１０１の制御の下で、通信部１０３、口座情報記憶部１０５は以下のように機能する。 FIG. 1 is a schematic configuration diagram showing an account management system according to an embodiment of the present invention. As shown in FIG. 1, the account management system 100 includes a control unit 101, a communication unit 103, and an account information storage unit 105. Under the control of the control unit 101, the communication unit 103 and the account information storage unit 105 function as follows.

口座情報記憶部１０５には、顧客ＩＤ、精算口座か否かを示す識別子、口座種別を示す識別子及び預り金又は未済金が記憶される。金額の先頭に「＋」とあれば預り金があることを示し、「−」とあれば未済金があることを示すものとする。 The account information storage unit 105 stores a customer ID, an identifier indicating whether or not the account is a settlement account, an identifier indicating an account type, and a deposit or an outstanding balance. “+” At the beginning of the amount indicates that there is a deposit, and “−” indicates that there is an outstanding amount.

図１に示す例では、顧客ＩＤが「１２３４５６７」である顧客が、口座種別１乃至３の３つの口座を開設している。口座種別１は一般口座を、口座種別２はＳＭＡ口座を、口座種別３は特定口座を示し、一般口座を精算口座として設定しているものとする。また、精算前の状態では、一般口座の未済金が「-100,000円」、ＳＭＡ口座の預り金が「+300,000円」、特定口座の未済金が「-100,000円」であるとする。 In the example shown in FIG. 1, a customer whose customer ID is “1234567” has opened three accounts of account types 1 to 3. Account type 1 indicates a general account, account type 2 indicates an SMA account, account type 3 indicates a specific account, and the general account is set as a settlement account. In addition, it is assumed that the outstanding amount of the general account is “−100,000 yen”, the deposit amount of the SMA account is “+300,000 yen”, and the outstanding amount of the specific account is “−100,000 yen” before the settlement.

通信部１０３は、専用回線などのネットワークを介してＡＴＭなどの入出金端末１５０と接続されている。口座管理システム１００は、入出金端末１５０から出金指示などを受け取ると精算口座の預り金又は未済金を調べ、要求された金額が精算口座の預り金以下であれば、精算口座からの出金許可を入出金端末１５０へ送り返し、入出金端末１５０から預り金の一部又は全部の引き出しが可能となる。 The communication unit 103 is connected to a deposit / withdrawal terminal 150 such as an ATM via a network such as a dedicated line. Upon receipt of a withdrawal instruction or the like from the deposit / withdrawal terminal 150, the account management system 100 checks the deposit or unpaid amount of the settlement account. The permission is sent back to the deposit / withdrawal terminal 150, and a part or all of the deposit can be withdrawn from the deposit / withdrawal terminal 150.

図２は、図１に示した口座管理システムにおける精算処理の流れを示すフローチャートである。同図に示すように、預り金を有する口座の有無を調べ（ステップＳ２０１）、預り金を有する口座が存在する場合はその預り金を精算口座へ振り替える（ステップＳ２０３）。また、未済金を有する口座の有無を調べ（ステップＳ２０５）、未済金を有する口座が存在する場合はその未済金を精算口座へ振り替える（ステップＳ２０７）。そして、精算口座において預り金と未済金とが合算される（ステップＳ２０９）。 FIG. 2 is a flowchart showing the flow of the settlement process in the account management system shown in FIG. As shown in the figure, the presence / absence of an account having a deposit is checked (step S201). If there is an account having a deposit, the deposit is transferred to a settlement account (step S203). Further, it is checked whether or not there is an account having unpaid money (step S205), and if there is an account having unpaid money, the unpaid money is transferred to a settlement account (step S207). Then, the deposit and the unpaid money are added together in the settlement account (step S209).

図３は、図１に示した口座管理システムにおける精算の一例を示す図である。図３は顧客Ａの顧客ＩＤが「１２３４５６７」であり、かかる顧客ＩＤの下に一般口座（口座No.1）、ＳＭＡ口座（口座No.2）、特定口座（口座No.3）が開設されていることを示す。そして、ＳＭＡ口座においてはＢ銘柄を売ったことによって+300,000円の預り金が存在したが、No.1口座へ全額振り替えられたために、差し引き合計は0円となったことを示す。また、特定口座においてはＣ銘柄を買ったことによって-100,000円の未済金が存在したが、No.1口座へ全額振り替えられたために、差し引き合計は0円となったことを示す。そして、一般口座においてはＡ銘柄を買ったことによって-100,000円の未済金が存在したが、No.2口座から+300,000円が振り替えられ、No.3口座から-100,000円が振り替えられたために、差し引き合計は+100,000円となったことを示す。ここまでが図１に示した口座管理システム１００内での処理である。そして、入出金端末１５０であるＡＴＭにおいて適切なパスワードが入力され、一般口座から100,000円を出金する旨の指示が入力されたら、現金100,000円が出金される。 FIG. 3 is a diagram showing an example of settlement in the account management system shown in FIG. In FIG. 3, the customer ID of customer A is “1234567”, and a general account (account No. 1), an SMA account (account No. 2), and a specific account (account No. 3) are opened under the customer ID. Indicates that And in the SMA account, there was a deposit of +300,000 yen by selling B brand, but because the total amount was transferred to No.1 account, the total deducted was 0 yen. In addition, it shows that there was an unpaid amount of -100,000 yen due to the purchase of the C issue in the specific account, but the total amount was transferred to No. 1 account, so the total deducted was 0 yen. And, in the general account, there was an unpaid amount of -100,000 yen by buying A brand, but because +300,000 yen was transferred from No.2 account and -100,000 yen was transferred from No.3 account, The deduction total is +100,000 yen. This is the process in the account management system 100 shown in FIG. Then, when an appropriate password is input at the ATM which is the deposit / withdrawal terminal 150 and an instruction to withdraw 100,000 yen from the general account is entered, 100,000 yen of cash is withdrawn.

上記の如く、本実施形態によれば、ＳＭＡ口座（口座No.2）から300,000円を出金し、一般口座（口座No.1）へ100,000円を入金し、特定口座（口座No.3）へ100,000円を入金するという煩わしい処理をしなくても、精算口座に自動的に預り金及び未済金が振り替えられ、精算が完了するため顧客の入出金手続きの合理化を図ることができる。 As described above, according to the present embodiment, 300,000 yen is withdrawn from the SMA account (account No. 2), 100,000 yen is deposited into the general account (account No. 1), and the specific account (account No. 3) Even without the cumbersome process of depositing ¥ 100,000, deposits and unpaid funds are automatically transferred to the settlement account, and the settlement process is completed, so the customer's deposit and withdrawal procedures can be streamlined.

本発明の実施の形態に係る口座管理システムを示す概略構成図である。It is a schematic structure figure showing an account management system concerning an embodiment of the invention. 図１に示した口座管理システムにおける精算処理の流れを示すフローチャートである。It is a flowchart which shows the flow of the adjustment process in the account management system shown in FIG. 図１に示した口座管理システムにおける精算の一例を説明するための図である。It is a figure for demonstrating an example of the account settlement in the account management system shown in FIG. 従来の１顧客複数口座の精算における問題点を説明するための概念図である。It is a conceptual diagram for demonstrating the problem in the settlement of the conventional one customer multiple accounts.

符号の説明Explanation of symbols

１００…口座管理システム
１０１…制御部
１０３…通信部
１０５…口座情報記憶部
１５０…入出金端末 DESCRIPTION OF SYMBOLS 100 ... Account management system 101 ... Control part 103 ... Communication part 105 ... Account information storage part 150 ... Deposit / withdrawal terminal

Claims

口座情報記憶部と制御部とを備える口座管理システムであって、
前記口座情報記憶部は、顧客ＩＤ、精算口座か否かを示す精算口座識別子、及び各口座の預り金又は未済金を記憶し、
前記制御部は、前記精算口座識別子によって非精算口座とみなされる少なくとも一つの口座から各口座の預り金又は未済金を、前記精算口座識別子によって精算口座とみなされる一つの口座へ振り替え、前記精算口座において前記精算口座の預り金又は未済金と他の口座から振り替えられた預り金又は未済金とが合算されることを特徴とする口座管理システム。 An account management system comprising an account information storage unit and a control unit,
The account information storage unit stores a customer ID, a settlement account identifier indicating whether it is a settlement account, and a deposit or an outstanding amount of each account,
The control unit transfers deposits or unpaid money of each account from at least one account that is regarded as a non-settlement account by the settlement account identifier to one account that is regarded as a settlement account by the settlement account identifier, The account management system according to claim 1, wherein the deposit or unpaid money of the settlement account and the deposit or unpaid money transferred from another account are added together.

複数口座の預り金又は未済金を管理する方法であって、
口座情報記憶部は、顧客ＩＤ、精算口座か否かを示す精算口座識別子、及び各口座の預り金又は未済金を記憶し、
制御部は、前記精算口座識別子によって非精算口座とみなされる少なくとも一つの口座から各口座の預り金又は未済金を、前記精算口座識別子によって精算口座とみなされる一つの口座へ振り替え、前記精算口座において前記精算口座の預り金又は未済金と他の口座から振り替えられた預り金又は未済金とを合算することを特徴とする口座管理方法。

A method for managing deposits or accounts payable in multiple accounts,
The account information storage unit stores a customer ID, a settlement account identifier indicating whether it is a settlement account, and a deposit or an outstanding amount of each account,
The control unit transfers the deposits or outstandings of each account from at least one account that is regarded as a non-settlement account by the settlement account identifier to one account that is regarded as a settlement account by the settlement account identifier. An account management method characterized by adding up the deposit or unpaid money of the settlement account and the deposit or unpaid money transferred from another account.