JP2001350928A - Financial processing system, system processing method for financial processing system, and recording medium recorded with program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically cancel a deposit reservation and a payment reservation according to the fluctuation of an exchange rate. SOLUTION: A user inputs the allowable band of the exchange rate in the case of making a deposit reservation and a payment reservation to/from a foreign currency savings account. In the case an actual exchange rate surpasses the band inputted by the user from a reserved rate and fluctuates in a user disadvantageous direction when the user actually performs deposit processing and payment processing, the deposit processing and the payment processing are automatically canceled. Thus, it is possible to avoid performing the deposit processing and the payment processing at an exchange rate that is not expected by the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial processing system, a system processing method of the financial processing system, and a recording medium recording a program therefor.

[0002]

2. Description of the Related Art Various financial transactions can be performed between a user and a financial institution using a network such as the Internet. That is, even if the customer does not go to a store of a financial institution such as a bank, these procedures can be performed only by giving an instruction such as a transfer procedure or purchase of an investment trust from the information processing terminal.
Such a mechanism is generally called network banking. In such a network banking, there are some which can also perform foreign currency transactions such as depositing a foreign currency deposit and paying out a foreign currency deposit.

[0003]

Even in this network banking, in principle, foreign currency transactions cannot be accepted during a time when the foreign exchange market is not open. However, some network banking users may be busy during the day when the foreign exchange market is open due to work or other reasons and may access network banking or go to a financial institution such as a bank. Some users cannot. Therefore, there is a demand to request a transaction in network banking at night or on holidays when the foreign exchange market is not open.

However, when accepting foreign currency transactions at night or on holidays, the financial institution or the user must bear the risk of exchange rate fluctuation. In other words, the financial institution bears all the risks of exchange rate fluctuations and processes transactions at the exchange rate at the time of accepting foreign currency transactions from the user, or the user bears all risks of exchange rate fluctuations and the next business day Foreign currency transactions at the current exchange rate. However, in any case, if the fluctuation of the exchange rate is larger than expected, foreign currency transactions will be performed at an exchange rate unexpected by the financial institution or the user.

[0005] The present invention has been made in view of the above problems, and when a foreign currency transaction is received during a time when the foreign exchange market is not open, the user can select the range of fluctuation of the exchange rate that the user can tolerate. Accordingly, it is an object of the present invention to provide a financial processing system that can prevent a foreign currency transaction from being performed at an exchange rate not expected by a user.

[0006]

In order to solve the above-mentioned problems, a financial processing system according to the present invention provides a first deposit account with funds deposited in a first currency in a second currency account. A financial processing system for performing a fund transfer process for depositing money in a second currency, wherein the amount input means for inputting an amount for the fund transfer process is provided between the first currency and the second currency. Changes in the exchange rate of
A fluctuation limit input means for inputting a limit for permitting the fund transfer processing, and when attempting to perform the fund transfer processing, the exchange rate fluctuates beyond the limit input by the fluctuation limit input means. In the case where the money transfer process is not performed, and the money transfer process is performed when the exchange rate does not fluctuate beyond the limit input by the fluctuation limit input device. It is characterized by.

A system processing method for a financial processing system according to the present invention is a fund transfer process for depositing funds deposited in a first currency in a first currency into a second currency in a second currency. A financial processing system for performing the amount transfer processing for obtaining the amount of money for performing the fund transfer processing, and the exchange rate between the first currency and the second currency fluctuates. In this case, when acquiring the limit that allows the fund transfer process to be performed, a variable limit acquisition step, and when trying to perform the fund transfer process,
If the exchange rate fluctuates beyond the limit obtained in the fluctuation limit acquisition step, the fund transfer process is not performed, and if the exchange rate does not fluctuate beyond the limit obtained in the fluctuation limit acquisition step, And a fund transfer execution step of performing the fund transfer process.

[0008] A recording medium according to the present invention is a financial medium for performing a fund transfer process of depositing a fund deposited in a first currency in a first currency into a second currency in a second currency. A recording medium on which a program related to a system processing of a processing system is recorded, wherein an amount obtaining step for obtaining an amount for performing the fund transfer processing, and an exchange rate between the first currency and the second currency In the case where fluctuates, to obtain a limit that allows the fund transfer processing to be performed, a fluctuation limit acquisition step, and when trying to perform the fund transfer processing, exceeding the limit obtained in the fluctuation limit acquisition step When the exchange rate fluctuates, the fund transfer processing is not performed. When the exchange rate does not fluctuate beyond the limit obtained in the fluctuation limit obtaining step, the fund transfer processing is performed. , The program comprising: a funds transfer execution step, the is characterized in that it is recorded.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In this embodiment, a user who requests foreign currency transactions during a period when the foreign exchange market is not open using network banking is designated in advance of an allowable fluctuation range of the exchange rate. If the actual exchange rate fluctuates disadvantageously to the user beyond the fluctuation range, the foreign currency transaction is automatically canceled. As a result, it is possible to prevent the actual foreign currency transaction from being performed at an exchange rate not intended by the user. This will be described in more detail below.

First, an overall configuration of network banking according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a block diagram showing the overall configuration of network banking to which the present embodiment is applied.

As shown in FIG. 1, a user who is a customer of a financial institution such as a bank operates a personal computer 12, a mobile phone 14, a television set 16 and the like to access network banking. The personal computer 12 is connected to a telephone line or the like via a modem or the like, and is connected to the provider 25 through the telephone line. The provider 25 is connected to the public network 20. The public network 20 is, for example, the Internet. The mobile phone 14 is also operated as appropriate to provide the public network 2 via the provider 25.
Connected to 0. In the case of the mobile phone 14, the public network 20 is connected via an i-mode (a registered trademark of NTT DoCoMo, Inc.), which is one of the services provided by NTT DoCoMo, Inc. Connected. The television set 16 has a function of connecting to a telephone line or the like. The television set 16 is connected to the provider 25 through the telephone line or the like, and further connected to the public network 20. In the present embodiment, user terminals capable of performing information processing such as the personal computer 12, the mobile phone 14, and the television set 16 are collectively referred to as an information processing terminal 10.

The above-mentioned provider 25 is a connection service provider system in which each user subscribes to connect the information processing terminal 10 to the public network 20 such as the Internet.

On the financial institution side, a reception server 30 connected to the public network 20 is provided. Instructions regarding various financial transactions are input to the reception server 30 from the information processing terminals 10 of a plurality of users via the provider 25 and the public network 20. Also,
The reception server 30 transmits various responses to the information processing terminal 10 of each user via the public network 20 and the provider 25.

The reception server 30 is connected to a business processing system 40 also located at a financial institution, and this business processing system 40 is also connected to an electronic mail server 35 and a transaction processing system 50 also located at a financial institution.

As will be described in detail later, the business processing system 4
0, a customer information database 42, a financial information database 44, a reception database 46, and an information board database 48 are provided. The transaction processing system 50 is provided with an account database 52 and an exchange information database 54. The account database 52 includes a yen savings account, a yen time deposit account,
Deposit balances and deposit / withdrawal histories of a foreign currency ordinary account, a foreign currency time deposit account, and the like are recorded for each account. The exchange information database 54 records exchange rates of various currencies.

The e-mail server 35 transmits an e-mail to an e-mail address reported by each user based on a request from the business processing system 40. The transmission of the e-mail is also performed via the public network 20. The e-mail transmitted from the e-mail server 35 manages the e-mail address, that is, is received by the provider 25 to which the user subscribes. The user can operate the information processing terminal 10 to browse the e-mail received by the provider 25 at an arbitrary timing.

The above-described reception server 30, e-mail server 35, business processing system 40, and transaction processing system 50
Thus, the financial processing system 70 according to the present embodiment is configured.

In the present embodiment, the financial processing system 70 is realized by four computers including the reception server 30, the e-mail server 35, the business processing system 40, and the transaction processing system 50. However, the present invention is not limited to this embodiment. is not. For example, these four computers are integrated, and the financial processing system 7 is
0 may be realized, or may be realized by being distributed to more computers.

The division of the various databases provided in the financial processing system 70 is not limited to the above example. For example, the above-described various databases may be integrated into one, or may be divided into more databases. Further, the financial processing system 70 may have a database other than this. further,
In the present embodiment, these databases are stored in a storage medium composed of a hard disk, but may be stored in a storage medium such as a memory.

Next, in this network banking, a process when a user makes a deposit reservation to a foreign currency ordinary deposit will be described.

FIG. 2 is a diagram showing an initial screen W10 first displayed on the information processing terminal 10 of the user when the user logs in to this network banking. The user who wants to make a deposit reservation to the ordinary foreign currency deposit, on this initial screen W10, from the registered account list T10, sets a yen ordinary account to pay out deposit funds and a foreign currency ordinary account to deposit, as 1 Select one by one. In this example,
User enters Gotanda Branch Yen Savings Account 099851
By selecting 0 as the payout account, the foreign currency ordinary savings account 0998510 of the Gotanda branch is automatically selected as the deposit account. Subsequently, the user:
Click the "Foreign Currency Savings Deposit" button B10. This activates the foreign currency ordinary deposit deposit reservation process shown in FIG.

In this embodiment, the yen savings account for paying out the deposited funds and the foreign currency savings account for depositing the funds are registered in a one-to-one correspondence. However, the user may be allowed to select any yen currency savings account and any foreign currency savings account from the user's own account.

FIG. 3 is a flowchart illustrating a process when the user uses the information processing terminal 10 to reserve a desired amount of money in a foreign currency savings account. As shown in FIG. 3, first, the business processing system 40
0, a deposit reservation input screen W20 shown in FIG. 4 is displayed on the information processing terminal 10 of the user (step S1).
0). Here, it is assumed that the user accesses network banking at night or on holidays when the foreign exchange market is not open in order to deposit a foreign currency ordinary deposit in US dollars.

As shown in FIG. 4, a deposit reservation input screen W2
0 indicates a current reservation rate display field T20, a payout yen account display field T21, and a deposited foreign currency deposit account display field T22.
Have. The business processing system 40 searches the reservation rate table of the financial information database 44, checks the reservation rate from yen to US dollar at that time, and generates a current reservation rate display field T20. In the example of FIG.
This indicates that the reservation rate from yen to US dollar is 107.00 yen. That is, 107.00 per US $
It indicates that the conversion is in yen.

Further, the business processing system 40 searches the yen deposit balance table of the financial information database 44, checks the deposit balance of the payout account at that time, and generates a payout yen account display field T21. Further, the business processing system 40 searches the foreign currency deposit balance table of the financial information database 44, checks the balance of the foreign currency ordinary account to be deposited at that time, and generates a deposited foreign currency deposit account display field T22.

In the present embodiment, the balance of a yen savings account or a foreign currency savings account is taken into the financial information database 44 from the accounting database 52 as a ledger several times a day, and the balance information is obtained. Is to be updated. However, the business processing system 40 may go to the account database 52 as needed, without holding the balance information of the yen coin savings account or the foreign currency savings account in the financial information database 44.

The user who has checked the display fields of the deposit reservation input screen W20 checks the field F20 and designates the field F20 when designating the deposit to the foreign currency ordinary deposit by the foreign currency amount.
Enter the amount for deposit reservation in 21 in US dollars.
On the other hand, when the deposit in the foreign currency savings account is designated by the yen amount, the field F22 is checked, and the field F23 is checked.
Enter the amount to make a deposit reservation in yen.

Subsequently, the user enters in the field F24:
If the exchange rate fluctuates, enter the allowable fluctuation range. In the present embodiment, this fluctuation range is set at 0 yen, 50 yen.
One is selected from among the following: money, one yen, one and fifty yen, two yen, and no cancellation. However, the user may be allowed to input an arbitrary amount of money. If you choose not to cancel, no matter how the exchange rate changes when depositing into a foreign currency savings account,
Deposit processing will be executed.

In the example of FIG. 4, one circle is input as a fluctuation width in the field F24. Therefore, the current yen-to-US dollar reservation rate of 107.00 yen is 1
If the yen depreciates over the yen and the exchange rate from yen to US dollar becomes higher than 108.00 when the foreign exchange market opens, the deposit reservation is automatically canceled. That is, when a change in the exchange rate that is disadvantageous to the user exceeding the fluctuation range input in the field F24 occurs, the deposit reservation is automatically canceled.

Further, a field F2 for designating a foreign currency amount
When “0” is selected, the user clicks the “inquiry of required yen amount” button B20 as necessary. Thus, the business processing system 40 allows the user to enter the field F2
After converting the amount of foreign currency entered in 1 into the amount of yen required for depositing at the current reservation rate, field F25
To be displayed. In addition, the business processing system 40 converts the foreign currency amount input by the user into the field F21 into the yen amount required for depositing when the exchange rate fluctuates up to the fluctuation range input by the user into the field F24,
It is displayed in the field F26. In the example of FIG. 4, since the foreign currency amount in the field F21 is 1,000 US dollars and the fluctuation range in the field F24 is 1 yen, the amount of 107,000 yen is displayed in the field F25 and 108 in the field F26. The amount of 2,000 yen is displayed.

On the other hand, a field F22 for designating the amount of yen
In the case where is selected, the user clicks the “inquirable foreign currency amount inquiry” button B21 as necessary. Thus, the business processing system 40 allows the user to enter the field F
The amount of yen entered in 23 is converted into the amount of foreign currency deposited when deposited at the current reservation rate, and displayed in field F27. The business processing system 40 also stores the foreign currency amount input by the user in the field F23 in the field F24.
Is converted into the deposited foreign currency amount when the exchange rate is changed up to the fluctuation range inputted in the field F28 and displayed in the field F28.

After inputting these necessary data and confirming the display fields, the user clicks the "next" button B22.

Next, the business processing system 40 determines whether or not the designation of the user's foreign currency savings deposit amount is a designation of a foreign currency amount (step S11). When the foreign currency amount is specified (Step S11: Yes), that is, when the field F20 is selected on the deposit reservation input screen W20 in FIG. The information processing terminal 10 displays the confirmation password input screen W30 for specifying the foreign currency amount shown in FIG. 5 (step S12).

As shown in FIG. 5, the confirmation password input screen W30 for specifying the foreign currency amount includes the above-described current reservation rate display field T20 and the paid out yen account display field T21.
In addition, the input foreign currency deposit account display column T22 and an input content confirmation column T30 are displayed. As can be seen from the confirmation password input screen W30 for designating the foreign currency amount, in this example, the user operates on the night of Sunday, August 15, 1999
Since the foreign currency savings deposit reservation is made, the deposit is actually made only after the opening of the foreign exchange market on August 16, 1999 (Monday), the next business day.

The user confirms the contents in these display fields, and the user who agrees with the handling contents inputs a confirmation password in the field F30. This confirmation password is different from the login password given to the user from the financial institution to access the network banking, and is used to confirm the intention of the input person when inputting the processing relating to the financial transaction from the information processing terminal 10. This is the password provided for the password. Subsequently, the user clicks the "execute foreign currency deposit deposit reservation" button B30. This allows
The confirmation password entered by the user is
Is transmitted to the business processing system 40 via the.

The business processing system 40 that has received the confirmation password searches the confirmation password table of the customer information database 42 as shown in FIG. 3, and stores the confirmation password entered by the user and the confirmation password in advance. It is determined whether or not the confirmation password matches (step S13). If the two do not match (step S13: No), the process returns to step S12, and the confirmation password input screen W30 for specifying the foreign currency amount shown in FIG.

On the other hand, if the confirmation password entered by the user matches the previously registered confirmation password (step S13: Yes), the business processing system 40 accepts the foreign currency ordinary deposit deposit reservation. A registration process is performed (step S14). Specifically, the business processing system 40 generates the foreign currency ordinary deposit information table TB1 shown in FIG.

As shown in FIG. 6, the foreign currency ordinary deposit information table TB1 has foreign currency ordinary account number 10
0, reception date 101, reception time 102, and reception number 1
03, transaction date 104, currency abbreviation 105, exchange rate 106, yen / foreign currency designation 107, and transaction yen amount 108
, A transaction foreign currency amount 109, a reservation rate 110, a cancellation fluctuation range 111, a yen ordinary account number 112, a processing result 113, and an error code 114.
The foreign currency ordinary deposit information table TB1 is generated each time a deposit reservation for a foreign currency ordinary deposit is received.

In the reception / registration processing in step S14, the account number of the foreign currency ordinary deposit to be deposited in the foreign currency ordinary account number 100 is stored, the date of receipt of the deposit reservation is stored in the reception date 101, and the reception time 102 , The time at which the deposit reservation was accepted is stored, the receipt number 103 stores the receipt number of the deposit reservation, the transaction date 104 stores the scheduled transaction date, and the currency abbreviation 105 stores the abbreviation of the foreign currency. In addition, 1 is stored in the yen / foreign currency designation 107 when the deposit amount is designated by yen, and 2 is stored when the deposit amount is designated by foreign currency. The transaction amount 108 stores the deposit amount when the yen amount is specified, and the transaction foreign currency amount 109 stores the deposit amount when the foreign amount is specified. Reservation rate 110
The reservation rate at the time of making a deposit reservation is stored. The fluctuation range of the allowable exchange rate input by the user is stored in the cancellation fluctuation range 111.
Is stored with the account number of the yen savings account, which is the payout account.

Next, the business processing system 40 displays the foreign currency amount designation confirmation screen W40 shown in FIG. 7 on the information processing terminal 10 of the user via the reception server 30 (step S15). When the user clicks the “go to initial screen” button B40 on the confirmation screen W40 for specifying the foreign currency amount, the display of the information processing terminal 10 is changed to the initial screen W1 shown in FIG.
Return to 0.

On the other hand, as shown in FIG. 3, when it is determined in step S11 that the foreign currency amount is not specified (step S11: No), that is, the field F22 is selected on the deposit reservation input screen W20 in FIG. In this case, the business processing system 40 performs the processing of steps S16 to S19. The processing in steps S16 to S19 is performed in step S12 described above.
To Step S15.

That is, the business processing system 40 provides the user's information processing terminal 10 with the confirmation password input screen W50 shown in FIG.
Is displayed (step S16). FIG. 8 is a diagram corresponding to the confirmation password input screen W30 of the foreign currency amount designation of FIG. 5 when the yen amount is designated.

Next, the business processing system 40 searches the confirmation password table of the customer information database 42 as shown in FIG. 3, and confirms the confirmation password entered by the user and the pre-registered confirmation password. Are determined to match (step S17). And
If the two do not match (step S17: No),
Returning to step S16 described above, the user's information processing terminal 10 again displays the confirmation password input screen W50 for designating the yen amount shown in FIG.

On the other hand, if the confirmation password entered by the user matches the confirmation password registered in advance (step S17: Yes), the business processing system 40 accepts the foreign currency ordinary deposit deposit reservation. A registration process is performed (step S18). Specifically, the business processing system 40 generates the foreign currency ordinary deposit information table TB1 shown in FIG.

Next, the business processing system 40 displays a confirmation screen W60 for designating the amount of yen shown in FIG. 9 on the information processing terminal 10 of the user via the reception server 30 (step S19). When the user clicks the “go to initial screen” button B60 on the confirmation screen W60 for specifying the amount of yen, the display of the information processing terminal 10 is changed to the initial screen W1 shown in FIG.
Return to 0.

When the processing in step S19 is completed, and when the processing in step S14 is completed, the business processing system 40 transmits an e-mail indicating that the deposit reservation of the foreign currency ordinary deposit has been accepted. (Step S20). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42 and checks the e-mail address of the user. Then, the business processing system 40 transmits an e-mail to the e-mail address via the e-mail server 35 to the effect that the deposit reservation of the foreign currency ordinary deposit has been accepted.

Next, the business processing system 40 registers a message to the effect that the reservation reservation of the foreign currency ordinary deposit has been accepted in the information board provided in the financial processing system (step S21). Specifically, the business processing system 40 stores the information board database 4
In the information board table of the user at step 8, a message indicating that the reservation reservation for the foreign currency ordinary deposit has been accepted is registered. Thus, the foreign currency savings deposit reservation processing according to the present embodiment ends.

In the present embodiment, only the fact that a deposit reservation for a foreign currency ordinary deposit has been received is transmitted by electronic mail, and detailed contents thereof are not included. This is because the e-mail is not encrypted, so that the contents may be read by a third party or the contents may be falsified. The information board will describe in detail the information on reservations for savings of foreign currency ordinary deposits. For example, the deposit amount, the account number of the foreign currency ordinary deposit to be deposited, and the like are not included in the e-mail but are included only in the information board.

The information registered in the information board is displayed in the information board list T11 on the initial screen W10 shown in FIG. 2, and the user selects the information displayed in the information board list T11 as appropriate, and the information is displayed. Detailed information can be viewed. Information processing terminal 10 of user
When a link is established between the financial information processing system 70 and the financial information processing system 70,
Since the communication with 0 is encrypted, there is substantially no risk of the contents being viewed by a third party or being falsified.

Next, a foreign currency ordinary deposit withdrawal reservation process according to this embodiment will be described with reference to FIG. This FIG.
FIG. 4 is a diagram illustrating a flowchart for explaining a process when a user reserves a payout of a desired amount from a foreign currency savings deposit using the information processing terminal 10. The foreign currency ordinary deposit withdrawal reservation processing shown in FIG. 10 has the same processing contents as the above-described foreign currency ordinary deposit deposit reservation processing of FIG. 3 except that funds are withdrawn from the foreign currency ordinary deposit account.

In the foreign currency ordinary deposit withdrawal reservation processing, the user enters a registration account list T on the initial screen W10 of FIG.
From 10, select the foreign currency savings account to withdraw and the yen currency savings account to deposit the withdrawn funds,
This is activated by clicking the “Foreign currency ordinary deposit withdrawal” button B11. In this example, the user sets the foreign currency savings account number 09985 as the foreign currency savings to be paid out.
By selecting 10, the ordinary account 098510 of the Gotanda branch is automatically selected as the yen ordinary savings account for depositing the paid out funds.

In the present embodiment, the foreign currency savings account for withdrawing funds and the yen savings account for depositing funds are registered in a one-to-one correspondence in advance. However, the user may be allowed to select any foreign currency savings account and any yen savings account from his or her own account.

As shown in FIG. 10, first, the business processing system 40 displays a payout reservation input screen W70 shown in FIG. 11 on the information processing terminal 10 of the user via the reception server 30 (step S30). Here, it is assumed that the user accesses network banking at night or on holidays when the foreign exchange market is not open in order to withdraw a foreign currency ordinary deposit in US dollars.

As shown in FIG. 11, a payout reservation input screen W
Reference numeral 70 includes a current reservation rate display field T70, a deposit yen account display field T71, and a paid-out foreign currency deposit account display field T72. The business processing system 40 searches the reservation rate table of the financial information database 44, checks the reservation rate from yen to US dollar at that time, and generates a current reservation rate display column T70. The example of FIG. 11 indicates that the reservation rate from US dollars to yen is 105.00. That is, 105. US dollars.
It indicates that the conversion is 00 yen.

Further, the business processing system 40 searches the yen deposit balance table of the financial information database 44, checks the deposit balance of the deposit account at that time, and generates a deposit yen account display column T71. Further, the business processing system 40 searches the foreign currency deposit balance table of the financial information database 44, checks the current balance of the foreign currency ordinary account to be paid out, and generates a paid out foreign currency deposit account display column T72.

When the user who confirms these display fields specifies the payout from the foreign currency savings account by the foreign currency amount, he checks the field F70 and inputs the payout reservation amount in US dollars into the field F71. On the other hand, in the case of specifying the withdrawal from the foreign currency savings account in yen amount, the field F7
Check 2 and enter the amount of the payout reservation in yen in field F73.

Subsequently, the user enters in the field F74
If the exchange rate fluctuates, enter the allowable fluctuation range. In the present embodiment, this fluctuation range is set at 0 yen, 50 yen.
One is selected from among the following: money, one yen, one and fifty yen, two yen, and no cancellation. However, the user may be allowed to input an arbitrary amount of money. If the user selects not to cancel, the payout process will be executed no matter how the exchange rate at the time of actually paying out the foreign currency ordinary deposit changes.

In the example shown in FIG. 11, one circle is input to the field F74 as the fluctuation width. Therefore, the current exchange rate from the US dollar to the yen is 105.00 yen, the yen fluctuates to more than 1 yen, and the exchange rate from the US dollar to the yen when the foreign exchange market opens is lower than 104.00. If this happens, the payout reservation is automatically canceled. That is, when a change in the exchange rate that is disadvantageous to the user exceeding the fluctuation range input in the field F74 occurs, the payout reservation is automatically canceled.

Further, a field F7 for specifying the amount of foreign currency
When “0” is selected, the user clicks the “inquirable yen amount inquiry” button B70 as necessary. As a result, the business processing system 40 converts the foreign currency amount input by the user into the field F71 into the yen amount when paid out at the current reservation rate, and then converts the foreign currency amount into the field F75.
To be displayed. The business processing system 40 also stores the foreign currency amount entered by the user in the field F71 in the field F71.
After the exchange rate has fluctuated up to the fluctuation range input in 74 and the payout amount has been converted into yen, the value is displayed in a field F76. In the example of FIG. 11, the foreign currency amount in the field F71 is 1,000 US dollars, and the reservation rate is 10
Since it is 5.00 yen and the fluctuation range of the field F74 is 1 yen, an amount of 105,000 yen is displayed in the field F75, and 104,000 yen is displayed in the field F76.
The amount of 0 yen is displayed.

On the other hand, a field F72 for designating the amount of yen coins
In the case where is selected, the user clicks the "need foreign currency amount inquiry" button B71 as necessary. Thus, the business processing system 40 allows the user to enter the field F7.
The amount of yen entered in 3 is converted into the amount of foreign currency to be paid out when paid out at the current reservation rate, and is displayed in the field F77. In addition, the business processing system 40 converts the foreign currency amount input by the user into the field F73 into a foreign currency amount to be paid out when the exchange rate fluctuates up to the fluctuation range input into the field F74, and displays the foreign currency amount in the field F78. .

The user who inputs these necessary data and confirms the display fields clicks the "Next" button B72.

Next, the business processing system 40 determines whether or not the designation of the user's foreign currency deposit withdrawal amount is a designation of a foreign currency amount (step S31). If the foreign currency amount is specified (step S31: Yes), that is, if the field F70 has been selected on the payout reservation input screen W70 in FIG.
Is displayed on the information processing terminal 10 of the user via the PC (step S32).

As shown in FIG. 12, the confirmation password input screen W80 for specifying the foreign currency amount includes the above-described current reservation rate display field T70 and the deposit yen account display field T71.
In addition, the input foreign currency deposit account display column T72 and an input content confirmation column T80 are displayed. As can be seen from the confirmation password input screen W80 for designating the foreign currency amount, in this example, the user is on the night of Sunday, August 15, 1999,
Since the foreign currency ordinary deposit withdrawal reservation is made, the withdrawal is actually made after the foreign exchange market is opened on August 16, 1999 (Monday), the next business day.

The user confirms the contents in these display fields, and the user who agrees with the handling contents inputs a confirmation password in field F80. Subsequently, the user clicks a “foreign currency deposit payout reservation execution” button B80. Thereby, the confirmation password input by the user is transmitted to the business processing system 40 via the reception server 30.

The business processing system 40 that has received the confirmation password searches the confirmation password table of the customer information database 42 as shown in FIG. 10, and the confirmation password entered by the user and the confirmation password are registered in advance. It is determined whether or not the confirmation password matches (step S33). If they do not match (Step S33: No), the above-described Step S3
Returning to 2, the user's information processing terminal 10 again displays the confirmation password input screen W80 for specifying the foreign currency amount shown in FIG.

On the other hand, if the confirmation password entered by the user matches the pre-registered confirmation password (step S33: Yes), the business processing system 40 accepts the foreign currency ordinary deposit withdrawal reservation. A registration process is performed (step S34). Specifically, the business processing system 40 generates the foreign currency ordinary payout information table TB2 shown in FIG.

As shown in FIG. 13, the foreign currency ordinary payout information table TB2 includes, as items, a foreign currency ordinary account number 2
00, reception date 201, reception time 202, reception number 203, transaction date 204, currency abbreviation 205, exchange rate 206, yen / foreign currency designation 207, and transaction yen amount 20
8, a transaction foreign currency amount 209, a reservation rate 210, a cancellation fluctuation range 211, a yen ordinary account number 212, a processing result 213, and an error code 214. The foreign currency ordinary withdrawal information table TB2 is generated each time a foreign currency ordinary deposit withdrawal reservation is received.

In the reception / registration processing in step S 34, the account number of the foreign currency ordinary deposit to be paid out is stored in the foreign currency ordinary account number 200, the date on which the payment reservation was received is stored in the reception date 201, and the reception time 202 The time at which the payout reservation was received is stored in the storage number, the reception number of the payment reservation is stored in the reception number 203, the scheduled transaction date is stored in the transaction date 204, and the foreign currency currency abbreviation is stored in the currency abbreviation 205. In addition, 1 is stored in the yen / foreign currency designation 207 when the deposit amount is designated by the yen, and 2 is stored when the deposit amount is designated by the foreign currency. The transaction amount 208 stores the deposit amount when the yen amount is specified, and the transaction foreign currency amount 209 stores the deposit amount when the foreign currency amount is specified. Reservation rate 210
In the table, the reservation rate at the time of making a payment reservation is stored, and the fluctuation range of the allowable exchange rate input by the user is stored in the cancellation fluctuation range 211.
Is stored with the account number of the yen savings account as a deposit account.

Next, the business processing system 40 transmits the information to the information processing terminal 10 of the user via the reception server 30 as shown in FIG.
Is displayed (step S35). When the user clicks the “go to initial screen” button B90 on the confirmation screen W90 for specifying the foreign currency amount, the display of the information processing terminal 10 is changed to the initial screen W shown in FIG.
Return to 10.

On the other hand, in step S31 described above,
When it is determined that the foreign currency amount is not specified (step S31: N
o) That is, when the field F72 is selected on the payout reservation input screen W70 in FIG. 11, the business processing system 40 performs the processing of steps S36 to S39. The processing in steps S36 to S39 is as follows.
These are processes corresponding to steps S32 to S35, respectively.

That is, the business processing system 40 provides the user's information processing terminal 10 with the confirmation password input screen W1 shown in FIG.
00 is displayed (step S36). FIG. 15 is a diagram corresponding to the confirmation password input screen W80 of the foreign currency amount designation of FIG. 12 when the yen amount is designated.

Next, as shown in FIG. 10, the business processing system 40 searches the confirmation password table of the customer information database 42, and confirms the confirmation password entered by the user and the pre-registered confirmation password. Are determined to match (step S37). If they do not match (Step S37: No), the process returns to Step S36, and the confirmation password input screen W100 for specifying the amount of yen shown in FIG. 15 is again displayed on the information processing terminal 10 of the user.

On the other hand, if the confirmation password entered by the user matches the previously registered confirmation password (step S37: Yes), the business processing system 40 accepts the foreign currency ordinary deposit withdrawal reservation. A registration process is performed (step S38). Specifically, the business processing system 40 generates the foreign currency ordinary payout information table TB2 shown in FIG.

Next, the business processing system 40 transmits the information to the information processing terminal 10 of the user via the reception server 30 as shown in FIG.
Is displayed (step S39). On this confirmation screen W110 for specifying the amount of yen,
When the user clicks the “to initial screen” button B110, the display of information processing terminal 10 returns to initial screen W10 shown in FIG.

When the processing in step S39 is completed, and when the processing in step S35 is completed, the business processing system 40 transmits an e-mail indicating that the foreign currency ordinary deposit withdrawal reservation has been accepted. (Step S40). Specifically, the business processing system 40 searches the e-mail address table of the customer information database 42 and checks the e-mail address of the user. Then, the business processing system 40 sends an e-mail to the e-mail address via the e-mail server 35 to the effect that the payment reservation of the foreign currency ordinary deposit has been accepted.

Next, the business processing system 40 registers a message to the effect that the reservation for withdrawal of the foreign currency ordinary deposit has been accepted in the information board provided in the financial processing system (step S41). Specifically, the business processing system 40 stores the information board database 4
In the information board table of the user at step 8, a message indicating that the reservation for paying out the foreign currency ordinary deposit has been accepted is registered. Thereby, the foreign currency ordinary deposit withdrawal reservation processing according to the present embodiment is completed.

In the present embodiment, as described above, only the fact that the reservation for withdrawal of the foreign currency ordinary deposit has been received is transmitted by electronic mail, and detailed contents thereof are not included. The information board will describe in detail the information on the reservation for the withdrawal of foreign currency ordinary deposits.

Next, a foreign currency ordinary deposit deposit execution process for actually performing a deposit operation based on the foreign currency ordinary deposit information table TB1 stored in the reception database 44 will be described with reference to FIG. FIG. 17 is a flowchart illustrating the foreign currency ordinary deposit deposit execution process executed by the transaction processing system 50. In the present embodiment, the foreign currency savings deposit execution process is, for example, a batch process started several times a day. In the example used in the above description, a batch process is performed after the foreign exchange market opens on the morning of August 16, 1999 and the exchange rate is determined.

As shown in FIG. 17, the transaction processing system 5
0 acquires a deposit reservation from the reception database 44 of the business processing system 40 (step S50). Specifically, the transaction processing system 50 searches the foreign currency ordinary deposit information table TB1 of the reception database 46, and acquires a deposit reservation for the foreign currency ordinary deposit. In the present embodiment, since the foreign currency savings deposit execution process is a batch process,
In many cases, a plurality of deposit reservations are stored in the reception database 44. When a plurality of deposit reservations are accumulated in this way, the foreign currency ordinary deposit deposit execution process is activated by the number of the deposit reservations.

Next, the transaction processing system 50 searches the exchange rate table of the exchange information database 54, and acquires the exchange rate from the yen to the US dollar on that day (step S51). Subsequently, the transaction processing system 50 determines whether the exchange rate on that day does not exceed the fluctuation range allowed when the user made a deposit reservation (step S5).
2). Specifically, the transaction processing system 50 sets the reservation rate 110 in the foreign currency ordinary deposit information table TB1 shown in FIG.
It is determined whether or not the exchange rate on that day has become lower than the rate obtained by adding the cancellation fluctuation width 111 to the exchange rate.

If the exchange rate on that day does not exceed the fluctuation range allowed when the user made a deposit reservation (step S52: Yes), the transaction processing system 50 proceeds from the yen savings account selected by the user. It is determined whether it is possible to withdraw the deposited funds (step S5).
3). Specifically, the transaction processing system 50 searches the accounting database 52 to check the account balance of the yen savings account selected by the user. Then, for example, if the account balance of the yen savings account selected by the user is less than the amount required for depositing the foreign currency savings account at the exchange rate on that day, it is impossible to withdraw the deposit funds. .

If it is determined in step S53 that the deposited funds can be withdrawn (step S5)
3: Yes), the transaction processing system 50 determines whether the deposit processing is possible (step S54).
Specifically, the transaction processing system 50 searches the account database 52 to confirm the existence of a foreign currency savings account, which is a deposit destination. Then, for example, when the foreign currency savings account is canceled, the deposit processing cannot be performed.

When it is determined in this step S54 that the depositing process is possible (step S54: Yes)
, A depositing process is executed (step S55). That is, from the yen savings account selected by the user, the required deposit fund calculated at the exchange rate on that day is deducted,
Deposit in US dollars into your foreign currency savings account.

When the execution of the deposit processing in step S55 is completed, when the exchange rate on that day exceeds the fluctuation range permitted by the user in step S52 described above (step S52: No), the deposit is performed in step S53 described above. If it is determined that the funds cannot be withdrawn (step S53: No), or
When it is determined that the depositing process is not possible in Step 54 (Step S54: No), the processing result is transmitted to the business processing system 40 (Step S56).

More specifically, the transaction processing system 50 transmits to the business processing system 40 whether the deposit processing has been executed or not, and the result is shown in the foreign currency ordinary deposit information table TB1 in FIG. It is stored in the processing result 113. Further, the transaction processing system 50 transmits, to the business processing system 40, the exchange rate on the date on which the deposit processing is performed, and the exchange rate corresponds to the foreign currency ordinary deposit information table TB in FIG.
It is stored in one exchange rate 106. Further, when the deposit processing has not been executed, the reason is transmitted to the business processing system 40 as an error code, and this error code is stored in the error code 114 of the foreign currency ordinary deposit information table TB1 in FIG. Thus, the foreign currency savings deposit execution processing according to the present embodiment ends.

Next, referring to FIG. 18, a description will be given of a foreign currency ordinary deposit payout execution process for actually performing a payout process based on the foreign currency ordinary payout information table TB2 stored in the reception database 44. FIG. 18 is a flowchart illustrating the foreign currency ordinary deposit withdrawal execution process executed by the transaction processing system 50. The foreign currency savings deposit execution process in FIG. 18 has the same processing content as the foreign currency savings deposit execution process in FIG. 17 except that funds are withdrawn from the foreign currency savings account.

Further, similarly to the above-described foreign currency savings deposit execution processing, the foreign currency savings deposit execution processing is, for example, as follows.
Batch processing is started several times a day. In this example, batch processing is performed after the foreign exchange market opens on the morning of August 16, 1999 and the exchange rate is determined.

As shown in FIG. 18, the transaction processing system 5
0 acquires a payout reservation from the reception database 44 of the business processing system 40 (step S60). Specifically, the transaction processing system 50 searches the foreign currency ordinary withdrawal information table TB2 of the reception database 46, and acquires a reservation for withdrawal to the foreign currency ordinary deposit. In the present embodiment, since the foreign currency savings deposit execution process is a batch process,
In many cases, a plurality of payout reservations are stored in the reception database 44. When a plurality of payout reservations are accumulated in this way, the foreign currency ordinary deposit payout execution process is activated by the number of payout reservations.

Next, the transaction processing system 50 searches the exchange rate table of the exchange information database 54, and acquires the exchange rate from the US dollar to the yen on that day (step S61). Subsequently, the transaction processing system 50 determines whether or not the exchange rate on that day does not exceed the fluctuation range permitted when the user has made a payment reservation (step S6).
2). Specifically, the transaction processing system 50 executes the reservation rate 21 in the foreign currency ordinary payout information table TB2 shown in FIG.
Than the rate obtained by subtracting the cancellation fluctuation width 211 from 0,
It is determined whether or not the exchange rate on that day has increased.

If the exchange rate on that day does not exceed the fluctuation range permitted when the user has made a withdrawal reservation (step S62: Yes), the transaction processing system 50 proceeds from the foreign currency savings account selected by the user. It is determined whether or not the funds can be withdrawn (step S6).
3). Specifically, the transaction processing system 50 searches the accounting database 52 and checks the account balance of the foreign currency savings account selected by the user. Then, for example, if the account balance of the foreign currency savings account selected by the user is smaller than the amount required to deposit the yen currency savings account at the exchange rate on that day, the funds cannot be paid out. .

In this step S63, when it is determined that the fund can be paid out (step S63: Ye
In s), the transaction processing system 50 determines whether payment processing is possible (step S64). Specifically, the transaction processing system 50 includes
To confirm the existence of a yen savings account as a deposit destination. Then, for example, if the yen savings account is canceled, the payment processing cannot be performed.

In this step S64, when it is determined that the depositing process is possible (step S64: Yes)
, A payout process is executed (step S65). That is, the necessary funds calculated at the exchange rate of the day are paid out from the foreign currency savings account selected by the user, and the yen is deposited in the yen savings account.

If the execution of the payout processing in step S65 is completed, and if the exchange rate on that day exceeds the fluctuation range permitted by the user in step S62 described above (step S62: No), the payout is performed in step S63 described above. When it is determined that it is impossible to pay out the fund (Step S63: No), or when it is determined that the payment processing is impossible in Step S64 described above (Step S6).
4: No), the processing result is stored in the business processing system 40.
(Step S66).

More specifically, the transaction processing system 50 transmits to the business processing system 40 whether the payout processing has been executed or not, and the result is stored in the foreign currency ordinary payout information table TB2 in FIG. It is stored in the processing result 213. Further, the transaction processing system 50 transmits, to the business processing system 40, the exchange rate on the day when the payout processing is performed, and the exchange rate corresponds to the foreign currency ordinary withdrawal information table T
It is stored in the exchange rate 206 of B2. Further, if the payout processing has not been executed, the reason is transmitted to the business processing system 40 as an error code, and this error code is stored in the error code 214 of the foreign currency ordinary payout information table TB2 in FIG. Thereby, the foreign currency ordinary deposit payout execution processing according to the present embodiment is completed.

Next, with reference to FIG. 19, a description will be given of the notification process started after the foreign currency savings deposit execution process of FIG. 17 is completed and after the foreign currency savings deposit execution process of FIG. 18 is completed. FIG. 19 is a flowchart illustrating a notification process performed by the business processing system 40. In the present embodiment, the notification process is, for example, a batch process started several times a day.
However, each time a processing result is received from the transaction processing system 50, this notification processing may be performed in real time.

As shown in FIG. 19, the business processing system 4
0 acquires the result of the depositing process or the result of the paying-out process (step S70). Specifically, the business processing system 4
0 searches the reception database 46 and retrieves the exchange rate 106, from the foreign currency ordinary deposit information table TB1 (see FIG. 6).
Necessary data such as the processing result 113 and the error code 114 are obtained, or necessary data such as the exchange rate 206, the processing result 213, and the error code 214 are obtained from the foreign currency ordinary payment information table TB2 (see FIG. 13).

In the present embodiment, since the notification process is a batch process, if a plurality of processing results exist, the notification process is performed by the number of the processing results.

Next, the business processing system 40 sends the processing result by e-mail to the user's e-mail address.
Transmission via the e-mail server 35 (step S
71). In the present embodiment, in this e-mail,
Only the processing result is transmitted, and detailed contents are not included.

Further, the business processing system 40 registers detailed information on the processing result in the information board of the user (step S72). In particular,
The business processing system 40 registers detailed information on the processing result in the information board table of the user in the information board database 48.

For example, if the deposit processing or the withdrawal processing is not performed due to the fluctuation of the exchange rate exceeding the fluctuation range allowed by the user, only that fact is transmitted by e-mail in step S71, Is registered in the information board in step S72. Thus, the notification processing according to the present embodiment ends.

As described above, according to the financial processing system 70 according to the present embodiment, the user can reserve a deposit in a foreign currency savings account or make a reservation from a foreign currency savings account even at night or on holidays when the foreign exchange market is not open. Can make a reservation for payment. In addition, at the time of these reservations, the user can specify the limit of the exchange rate that can be accepted, so if the exchange rate condition becomes lower than the reservation rate by a certain degree or more, a deposit reservation or a payment reservation is automatically made. Can be canceled. For this reason, it is possible to limit the currency fluctuation risk borne by the user to a certain range.

Further, even if such cancellation conditions are set, the deposit processing and the withdrawal processing when the cancellation conditions are not reached are performed at the exchange rate on the processing day.
This eliminates the need for financial institutions to bear the risk of currency fluctuations.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the above-described embodiment, the case where the foreign currency deposit account is an ordinary deposit account has been described as an example. However, a deposit account such as a foreign currency time deposit account or a foreign currency investment trust account may be used. Further, in the above-described embodiment, the case where the deposit account for yen is also an ordinary deposit account has been described as an example. However, a deposit account such as a time deposit account for yen or an investment trust account for yen may be used.

Further, in the above embodiment, the deposit and withdrawal processing between the yen and the US dollar has been described, but these deposit and withdrawal processing may be performed between other currencies. In other words, the funds deposited in the first deposit account in the first currency are transferred to the second deposit account in a second currency different from the first currency. On the other hand, the present invention can be applied.

In the above-described embodiment, an example has been described in which the foreign exchange market is reserved or paid out during a time when the foreign exchange market is not open, such as at night or on holidays. Even if it is a time zone, a considerable amount of time is required between the deposit instruction and withdrawal instruction of the foreign currency deposit and the actual processing, and the exchange rate may fluctuate, the present invention It is also possible to apply
If the exchange rate is extremely unlikely to fluctuate during times when the foreign exchange market is open, the user is not required to enter the cancellation fluctuation range, and the actual deposit processing and withdrawal are performed at the reservation rate. It is also possible to perform processing.

The financial institutions in the above-described embodiment should be interpreted in a broad sense, and include all financial institutions such as banks, securities companies, life insurance companies, non-life insurance companies, and post offices.

As for each process described in the above embodiment, a program for executing each process is stored in a floppy (registered trademark) disk, CD-ROM (Compact Dimm).
It can be recorded on a recording medium such as a sc-Read Only Memory (ROM), a ROM, or a memory card and distributed in the form of a recording medium. In this case, the above-described embodiment can be realized by causing a computer constituting the financial processing system 70 to read and execute the recording medium on which the program is recorded.

The computer constituting the financial processing system 70 may include another program such as an operating system or another application program. In this case, utilizing other programs provided in the computer constituting the financial processing system 70, the recording medium includes, from the programs provided in the computer, an instruction for calling a program for realizing processing equivalent to that of the present embodiment. It may be recorded.

Furthermore, such a program can be distributed not as a recording medium but as a carrier through a network. The program transmitted in the form of a carrier wave on the network is taken into a computer constituting the financial processing system 70, and the above-described embodiment can be realized by executing the program.

[0110] When a program is recorded on a recording medium or transmitted as a carrier over a network, the program may be encrypted or compressed.
In this case, the computer constituting the financial processing system 70 that reads the program from the recording medium or the carrier wave needs to execute the program after decrypting and expanding the program.

[0111]

As described above, according to the financial processing system of the present invention, the funds deposited in the first deposit account in the first currency and the second deposit account are deposited in the second currency. When performing the funds transfer processing for depositing in the above, the user is required to input the limit of the exchange rate fluctuation allowed, so if the exchange rate fluctuates beyond the allowable limit of the user, the funds transfer processing Is not performed automatically.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of network banking to which the present invention is applied.

FIG. 2 is a view showing an initial screen displayed when a user logs in to the network banking of FIG. 1;

FIG. 3 is a flowchart illustrating a foreign currency savings deposit deposit reservation process according to an embodiment of the present invention.

FIG. 4 is a view showing a deposit reservation input screen displayed on a user's information processing terminal in a foreign currency ordinary deposit deposit reservation process.

FIG. 5 is a view showing a foreign currency amount designation confirmation password input screen displayed on the information processing terminal of the user in the foreign currency ordinary deposit deposit reservation processing.

FIG. 6 is a view showing a configuration of a foreign currency ordinary deposit information table according to the embodiment.

FIG. 7 is a diagram showing a foreign currency amount designation confirmation screen displayed on the information processing terminal of the user in the foreign currency ordinary deposit deposit reservation processing.

FIG. 8 is a diagram showing a password input screen for confirmation of yen amount designation displayed on the information processing terminal of the user in the foreign currency ordinary deposit deposit reservation processing.

FIG. 9 is a view showing a confirmation screen for designating a yen amount displayed on a user's information processing terminal in a foreign currency ordinary deposit deposit reservation process.

FIG. 10 is a flowchart illustrating foreign currency ordinary deposit payout reservation processing according to an embodiment of the present invention.

FIG. 11 is a view showing a payout reservation input screen displayed on the information processing terminal of the user in the foreign currency ordinary deposit payout reservation processing.

FIG. 12 is a view showing a password input screen for confirmation of foreign currency amount designation displayed on the information processing terminal of the user in the foreign currency ordinary deposit withdrawal reservation processing.

FIG. 13 is a view showing a configuration of a foreign currency ordinary payout information table according to the embodiment.

FIG. 14 is a diagram showing a foreign currency amount designation confirmation screen displayed on the information processing terminal of the user in the foreign currency ordinary deposit withdrawal reservation processing.

FIG. 15 is a diagram showing a password input screen for confirmation of yen amount designation displayed on the information processing terminal of the user in the foreign currency ordinary deposit withdrawal reservation processing.

FIG. 16 is a diagram showing a confirmation screen for designation of a yen amount displayed on a user's information processing terminal in a foreign currency ordinary deposit withdrawal reservation process.

FIG. 17 is a flowchart illustrating foreign currency savings deposit execution processing according to an embodiment of the present invention.

FIG. 18 is a flowchart illustrating foreign currency ordinary deposit payout execution processing according to an embodiment of the present invention.

FIG. 19 is a flowchart illustrating a notification process according to an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Information processing terminal 12 Personal computer 14 Mobile telephone 16 Television set 20 Public network 25 Provider 30 Reception server 35 E-mail server 40 Business processing system 42 Customer information database 44 Financial information database 46 Reception database 48 Information board database 50 Transaction processing system 52 Account Database 54 Exchange Information Database

Claims (7)

[Claims] 1. A financial processing system for performing a fund transfer process of depositing funds deposited in a first currency in a first currency into a second currency in a second currency. An amount input unit for inputting an amount of money for performing the fund transfer processing; and a limit for permitting the fund transfer processing when an exchange rate between the first currency and the second currency fluctuates. When the exchange rate is changed beyond the limit input by the variable limit input means, when performing the fund transfer processing, the fund transfer processing is not performed, A financial processing system, comprising: a fund transfer executing unit that performs the fund transfer process when the exchange rate does not fluctuate beyond the limit input by the fluctuation limit input unit. 2. An exchange rate display means for displaying an exchange rate between said first currency and said second currency at the time of inputting said funds transfer amount by said amount input means. The financial processing system according to claim 1, further comprising: 3. An amount input means for inputting an amount for performing the fund transfer processing in the first currency, and an amount for performing the funds transfer processing in the second currency. 3. The financial processing system according to claim 1, further comprising a second amount input unit. 4. When the amount for performing the fund transfer process is entered in one of the first currency and the second currency, the first currency and the second currency at that time are entered. A first conversion display unit for converting and displaying the amount for performing the fund transfer processing into the amount of the other currency of the first currency and the second currency based on an exchange rate between the first currency and the second currency; The first fluctuating up to the limit input by the limit input means;
A second conversion display unit that converts the amount of the funds transfer processing into the amount of the other currency and displays the converted amount based on an exchange rate between the second currency and the second currency. The financial processing system according to claim 3, wherein: 5. A setting input for performing a money transfer process by said money transfer executing means, no matter how the exchange rate between said first currency and said second currency fluctuates. The financial processing system according to claim 1, wherein: 6. A system processing method of a financial processing system for performing a fund transfer process for depositing funds deposited in a first currency in a first currency in a first currency into a second currency in a second currency. And an amount obtaining step of obtaining an amount for performing the fund transfer processing, and performing the fund transfer processing when an exchange rate between the first currency and the second currency fluctuates. Acquiring a limit to allow, a fluctuation limit acquisition step, and when trying to perform the fund transfer processing, if the exchange rate fluctuates beyond the limit acquired in the fluctuation limit acquisition step, the fund transfer processing is performed. Performing a fund transfer process if the exchange rate does not fluctuate beyond the limit obtained in the fluctuation limit obtaining step. System processing method. 7. A system process of a financial processing system for performing a fund transfer process for depositing funds deposited in a first currency in a first currency in a first currency into a second currency in a second currency. A recording medium on which a program is recorded, wherein an amount acquisition step of acquiring an amount for performing the fund transfer process; and in a case where an exchange rate between the first currency and the second currency changes, A variable limit acquisition step of acquiring a limit that allows the fund transfer process to be performed; and when the exchange rate fluctuates beyond the limit acquired in the variable limit acquisition step when the fund transfer process is attempted. Does not perform the fund transfer process, and performs the fund transfer process if the exchange rate does not fluctuate beyond the limit acquired in the variable limit acquisition step. Recording medium, characterized in that the, the program comprising recorded.