JPH0785183A - Reserving fixed deposit system - Google Patents

Abstract

PURPOSE:To continue the transaction while keeping an original account to be processed free from tax by generating automatically a fixed deposit account not free from tax when the monetary amount of the original account is going to exceed a non-tax limit and depositting the fixed account not free from tax. CONSTITUTION:A fixed deposit record is retrieved based on an account number and the record is extracted (S502). When it is detected that the record indicates excess of a deposit limit amount (S505), at first a sign indicating whether or not a 2nd account is generated is checked from the fixed account record (S507), and when the 2nd account is not generated, a 2nd fixed account is generated (S508). A new number is added as a fixed account number in a fixed account record of the 2nd account and a depositted monetary amount this time is set to be a residual amount of the fixed deposit account. Furthermore, the generated date is set to an account start date and a maturity date is set depending on the type of the fixed deposit. Tax requisition is set as a reserved type. The 2nd account is set as the reserved account type and the 1st account number is set as a related account number.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial institution online system, and more particularly to a funded fixed savings system for automatically creating a funded funded savings account.

[0002]

2. Description of the Related Art Conventionally, in this type of funded savings system, when a tax-exempted funded savings is funded, if it exceeds the tax-exempt limit, it will be treated as a separate transaction from the window. A separate account (hereinafter referred to as the second account) was created to fund the excess. This is because, if the original account (hereinafter referred to as the first account) is funded with a tax amount equal to or more than the tax exemption limit, the entire account is treated as tax.

[0003]

In the above-mentioned conventional fixed-term savings system, since the second account is created through the window for the savings exceeding the tax exemption limit, in addition to the window transaction for the original savings, Since the transaction for opening the second account and the transaction for accumulating to the second account occur, the window service becomes complicated.

Further, since the second account is opened by another transaction, the system does not manage the association between the first account and the second account, and this association must be input separately.

[0005]

In order to solve the above-mentioned problems, in the present invention, in a funded fixed savings system in which an account number and a deposit amount are designated from a terminal to fund a fixed account; the designated account Account discriminating means for reading the information of the fixed account from the storage device by the number, discriminating that the account is a taxable account and stopping the processing; and the designation for the fixed account of the designated account number. The accumulated tax amount exceeds the tax exemption limit amount set in this fixed-term account, and the tax exemption limit amount exceeds the tax exemption limit amount. Tax-exempt treatment reserve means for performing reserve by creating transaction statement information corresponding to the fixed-term account and writing the transaction detail information in the storage device when it is determined that there is not; When it is determined that the tax exemption limit is exceeded by the amount determination means, if the taxable account has not already been created, the account is created by newly writing the information of the taxable fixed-term account to the storage device. It has a tax treatment accumulating means for accumulating money by creating transaction statement information corresponding to the tax account or the already created tax account and writing it in the storage device.

Further, if the designated account number is an account number of a tax-exempt account, the account discriminating means converts it into an account number of a tax-exempt account.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the accumulated fixed savings system of the present invention will now be described in detail with reference to the drawings.

Referring to FIG. 1, the periodic records of the accumulated periodic savings system, which is an embodiment of the present invention, include "periodic account number", "periodic balance", "account opening date", "maturity date", and "reserve". It consists of items such as "tax classification", "reserve limit amount", "fund account classification", "counterpart account number", and "counterpart account generation sign". This regular record is stored in the storage device as a record forming a database. The “periodic account number” is an account number uniquely assigned to each periodical record, and a different number is assigned to each account even for the same person's account. The "regular balance" indicates the amount of money saved in the regular account. The “account opening date” indicates the date when the fixed-term account was opened, and is used for calculating the “maturity date”. The “reserve tax classification” indicates whether the account is a tax exempt account (display 0) or a taxable account (display 1). “Reserve limit amount” indicates a reserve limit amount set for the entire account. The “funded account classification” indicates whether the account is the first account (displaying 1) or the second account (displaying 2). The "counterpart account number" indicates the account number of the second account if the account is the first account, and the account number of the first account if the account is the second account. The "counterpart account generation sign" indicates whether or not the above "counterpart account number" is valid (indicates 1). The regular record may include various other items, but the description thereof is omitted here for the sake of simplicity.

Referring to FIG. 2, the transaction statement records of the accumulated fixed savings system, which is an embodiment of the present invention, are “deposit statement branch number”, “deposit statement transaction amount”, “deposit statement transaction date”, and “reserve statement”. "Individual maturity date" and "Reserve individual tax classification"
It consists of items such as. This transaction detail record is a record generated for each transaction relating to a certain fixed-term account, and is stored in the storage device as a record forming a database. The “reserve detail branch number” is a reserve number uniquely attached to the transaction detail record in each periodic record. The "deposit amount transaction amount" indicates the amount accumulated in the transaction. The “deposit detail transaction date” indicates the date when the transaction was made, and is used to calculate the “deposit individual maturity date”. This "reserve individual maturity date" allows the maturity date to be set for each transaction in the fixed-term account. In addition, it is possible to distinguish between the tax-exempt treatment (displaying 0) and the taxable target (displaying 1) for each transaction in the fixed-term account by the “funded individual tax classification”. The transaction statement record may include various other items, but the description thereof is omitted here for the sake of simplicity.

Referring to FIG. 3, there is shown a data structure in the case where only a fixed tax-exempt fixed time account is generated in the accumulated fixed savings system which is an embodiment of the present invention.
Only the main items are displayed in each record. In the regular record 100, the account number is “A”, the reserve tax classification is “tax exempt”, and the reserve account classification is “first account”.
Is. Further, since the counterpart account, that is, the second account, has not yet occurred, the counterpart account generation sign indicates “not generated”. Periodic record 100 and two transaction statement records 1 show the state in which a transaction has occurred twice for fixed term account A.
The relationship with 10, 120 is expressed as shown in FIG.
The reserve statement branch numbers “1” and “2” are attached to the two transaction statement records 110 and 120, respectively, and can be uniquely identified.

Referring to FIG. 4, there is shown a data structure immediately after the first account is about to exceed the tax exemption limit amount and the second account is generated. The periodic record 100 follows seven transaction detail records 110 to 170, and since the preset transaction limit amount was about to be exceeded in the eighth transaction, the second account with the account number “B” The regular record 200 is generated. As a result, the partner account generation sign of the regular record 100 is “currently occurring”, and the partner account number is set to “B”. Regular record 20
At 0, the reserve tax classification is treated as “taxable”. This is because it is an account for accumulating excess tax exemption limit. The reserve account classification indicates that it is a "second account". In addition, the partner account generation sign indicates "occurring", and the partner account number indicates that the first account is "A". The transaction detail record 210 regarding the eighth transaction that is about to exceed the tax exemption limit will follow the regular record 200.

Next, the processing flow of the above embodiment of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 5, the process of the accumulated fixed savings system according to one embodiment of the present invention is performed in steps 501 to 501.
509 steps. First, the operator inputs the account number and deposit amount by key (step 50).
1). Next, the regular record is searched by the account number and the corresponding record is extracted (step 502). Then, the reserve account classification of the regular record is checked (step 503), and if "second account" is indicated, an error is displayed and the input process is stopped (step 504). If the reserve account classification indicates "first account", the following processing is continued. If the sum of the regular balance of the regular record of the account number and the deposit amount this time does not exceed the reserve limit of the regular record (step 505), a new transaction statement record is added under the regular record of the first account. Is generated (step 506). In the transaction detail record generated here, the reserve detail branch number is 1 from the largest reserve detail branch number among the transaction detail records related to the same periodic record.
Only set a large number. The deposit amount of this time is set as the reserve detail transaction amount. The relevant date is set as the reserve statement transaction date. The accumulated individual maturity date is set to the accumulated statement transaction date plus a predetermined period. This maturity date is determined by each regular type. As the reserve individual tax classification, as a general rule, the same as the reserve tax classification of the periodic record is set, but it can be changed individually by designation. In addition to the processing of these transaction statement records, this deposit amount is added to the regular balance of the regular record.

When it is detected in step 505 that the reserve limit is exceeded, the following processing is performed. First, the signature of the other account generated in the regular record is checked (step 507), and if "Not Occurred" is displayed, a regular record is newly created as the second account (step 50).
8). In this new second account subscription record,
A new number will be added as the fixed account number, and the amount of this deposit will be set as the fixed balance. In addition, the date is set to the account opening date, and the maturity date is set according to the type of regular. It is set to be treated as "taxable" as a reserve tax classification. "Second account" is set as the reserve account classification, and the account number of the first account is set as the partner account number. In the example of FIG. 4, this partner account number is “A”. In addition, the partner account generation sign is set to the “occurring” state. Along with the new periodic record creation process for the second account, in the regular record for the original first account, the partner account occurrence sign is set to the "in progress" state, and the account number of the second account is set as the partner account number To set. In the example of FIG. 4, this partner account number is “B”. The account number of the second account may be assigned when the regular record of the first account is created.

If the second account is "in progress" in the above step 507, or after the above step 508 is completed, a new transaction statement record is created under the regular record of the second account in step 509. . In creating the transaction statement record, the regular record, which is a parent record, is searched as follows. That is, if the second account is “not yet generated” in step 507, the newly created regular record is the regular record, and if the second account is “currently occurring”, the other party of the regular record. The periodic record searched based on the account number becomes the periodic record. The transaction detail record created in step 509 is created in the same procedure as in step 506.

Next, the flow of processing of the second embodiment of the present invention will be described in detail with reference to the drawings.

Referring to FIG. 6, the processing of the accumulated fixed savings system according to one embodiment of the present invention is performed in steps 601 to 601.
609 steps. First, the operator inputs the account number and deposit amount by key (step 60).
1). Next, the regular record is searched by the account number and the corresponding record is extracted (step 602). Then, the reserve account classification of the regular record is checked (step 603), and if "second account" is indicated, the account number of the first account is checked by the partner account number in the regular record of the second account and input. The created account number is replaced with the account number of this first account (step 604). The subsequent processing of steps 605 to 609 is the same processing as that of the first embodiment.

[0018]

As described above, according to the accumulated fixed savings system of the present invention, when it is about to exceed the tax exemption limit in a tax-exempt fixed account, a tax-excluded fixed account is automatically created and By depositing in a fixed-term account, you can continue trading while keeping the original account tax-free.

[Brief description of drawings]

FIG. 1 is a list of items of a periodic record in an embodiment of a funded periodic savings system of the present invention.

FIG. 2 is a list of items in a transaction detail record in an embodiment of a funded periodic savings system of the present invention.

FIG. 3 is a data structure in the case where only the first account exists in one embodiment of the funded periodic savings system of the present invention.

FIG. 4 is a data structure in the case where a second account exists in an embodiment of a funded periodic savings system of the present invention.

FIG. 5 is a flow chart of processing in an embodiment of a funded periodic savings system of the present invention.

FIG. 6 is a flow chart of processing in a second embodiment of the accumulated fixed savings system of the present invention.

[Explanation of symbols]

 100 1st account periodic record 110-170 1st account transaction detail record 200 2nd account periodic record 210 2nd account transaction detail record

Claims (2)

[Claims] 1. A funded fixed savings system in which an account number and a deposit amount are designated from a terminal to fund a fixed account; information of the fixed account is read from a storage device by the designated account number, and the account is Account determination means for determining that the account is taxable and stopping the processing;
When the designated deposit amount is funded to the fixed-term account of the designated account number, the reserve limit determination means for determining whether or not the tax-free limit set in the fixed account is exceeded And a tax-exempt treatment reserve means for making a reserve by creating transaction statement information corresponding to the fixed-term account and writing the transaction detail information corresponding to the fixed-term account when the reserve limit amount determining means determines that the tax-free limit is not exceeded. When it is determined that the taxable amount exceeds the tax exemption limit amount, if the taxable account is not already created, the account is created by newly writing the information of the taxable fixed time account to the storage device, Savings are made by creating transaction statement information corresponding to this taxable account or already created taxable account and writing it to the storage device. Funded regular savings system; and a Cormorant tax treatment reserve unit. 2. The account discriminating means converts the designated account number into an account number of a tax-exempt account if the designated account number is an account number of a tax-exempt account.
The fixed-term savings system described in.