JP2013033399A - Exchange set transaction bank server, exchange set transaction method, and exchange set transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an exchange set transaction system which enables a bank in the level of regional banks to execute foreign-currency transactions without employing personnel or constructing a new system by millions-dollar investment and does not require the bank to perform cover transactions for small amounts individually when executing the foreign-currency transactions.SOLUTION: The exchange set transaction system includes: vostro account management means 33 which manages a plurality of window bank account databases as vostro accounts; multi-currency deposit processing control means 34 which manages a plurality of window bank multi-currency account databases, and rewrites data of a yen account of a customer in the window bank multi-currency account databases with data of a foreign currency account after the vostro account management means 33 transfers data of yen in the window bank account databases to the data of the yen account of the customer in the window bank multi-currency account databases; and cover transaction and fund business execution means 35 which performs a cover transaction corresponding to an amount in the foreign-currency account and operation processing of fund business.

Description

  The present invention relates to a proposal for a foreign exchange collective transaction system, which is a new financial system that improves the foreign currency deposit rate, conforms to the Basel regulations for internationally expanding banks, and is useful for strengthening net banking. The present invention relates to an exchange set transaction bank server, an exchange set transaction method, and an exchange set transaction program used in the exchange set transaction system.

  Ordinary shareholder capital, ie, common stock and publicly available reserves or retained earnings, is a major component of capital, while the Basel regulation, a global standard banking regulation, is the capital of the bank's total assets (core capital). A minimum level is set and strict conditions are imposed on the means of raising capital. The new regulations will raise the minimum capital ratio further in the future. Therefore, it is necessary for the international unified standards line to comply with the Basel regulations.

  On the other hand, there are more than 100 banks in Japan, including regional banks, but 99% of the deposits are yen deposits. The ratio of foreign currency deposits in Japan is about 0.6% of total deposits. If each bank manages foreign currency deposits and tries to improve the foreign currency deposit rate, each bank will issue a SWIFT (Society for Worldwide Interbank Financial Telecommunication) message for settlement, or settle foreign currency yen using the BOJ-Net. Not only is it necessary to hire personnel to accept foreign currency deposits, such as administrative work for processing, but building a system for managing foreign currency deposits requires an investment of 100 million units.

In addition, each bank must manage foreign currency and interest rate with its own management function, and cover transactions with multiple banks in the interbank market. A “cover transaction” is a transaction in which a financial institution conducts a transaction opposite to a transaction to be performed by a customer in order to reduce exchange risk. By performing a cover transaction, mutual transactions are offset, Risk is reduced.

  For example, if individual customer A makes a foreign currency deposit of $ 100,000 for B regional bank, and individual customer A buys $ 100,000, then B regional bank will pay 100,000 yen for individual customer A in an interbank transaction. It is necessary to buy dollars, and this B regional transaction becomes a “cover transaction”. If a cover transaction is made, Bank B will not be affected by profits or losses in its own account, whether the foreign exchange rate will rise or fall later. However, such small-sized interbank transactions are not normally performed, and are generally in units of 10 million dollars (euro), and the minimum is about 1 million dollars (euro). In other words, at present, B regional banks do not carry out cover transactions for individual customer A, but mix it up with corporate sector cover transactions, or accumulate dollar demand every other day or every few days. A cover transaction is performed or a cover transaction cannot be performed properly. In other words, the B regional bank has a position that depends on the dollar exchange rate between them, and is in a state of being at risk. “Risk” here means risk in the financial world, that is, “uncertainty”. If B regional bank has been obliged to “purchase 1,000 dollars for individual customer A”, more yen funds will be needed if yen depreciates, and more if yen appreciation You can purchase with less yen funds. Such an uncertain and uncertain state that you may or may not be able to purchase more dollars depending on the dollar exchange rate becomes a “risk”. In this way, current foreign bank deposits at the local bank level are exposed to the risk that they may make money depending on the market price, and vice versa.

  In addition, the fees that each bank pays when managing foreign currency funds are small compared to customers. For example, foreign bond management of a large institutional investor (a large bank such as the Bank) is usually conducted at 5 million dollars to 10 million dollars, whereas the commission is 0.02% -0.00%, If you try to trade in a small amount, a high fee is required. For example, a transaction of $ 100,000 by an individual investor generally has a fee of 0.4% -4%.

  When a bank wants to make a profit from foreign currency deposits, it considers interest rates and fees as one set, but it cannot do cover transactions properly, and it cannot sufficiently reduce risk by doing cover transactions. Banks at the regional bank level, etc. will set higher fees as a buffer for the risk. Such banks have a small amount of foreign currency and are inefficiently managed, so the interest rate must be set low. Furthermore, foreign currency management varies from bank to bank, but there are cases where it takes market risk / price fluctuation risk to earn investment gains.

  A bank, such as a regional bank, can recommend foreign currency deposits to its own customers by using a bank agency that provides foreign currency deposit services of other banks. However, when a regional bank, etc., conducts a bank agency business for a global bank that has advanced investment technology for foreign currency deposits, it takes time to negotiate with the Financial Services Agency before obtaining permission from the bank agency business. It takes a long time and cannot start business quickly. Banks that undertake bank agency services are also obligated to supervise from time to time whether regional banks, etc. that conduct bank agency services are operating properly based on the supervisory guidelines of the Financial Services Agency. In addition, if there is any clumsiness in the operations of a regional bank, etc. that conducts bank agency business, and the customer of the regional bank, etc. suffers damage, the bank that undertakes the bank agency business will also be liable for direct damages against the customer. There may be a burden.

  In view of the above problems, the present invention is a method different from bank agency business, where banks such as regional banks hire personnel to accept foreign currency deposits, and investment of 100 million units by each bank's own development Exchange transaction system used for this exchange set transaction system, which does not require the construction of a foreign currency deposit management system that requires a large amount of money, and does not require a bank of a level such as a regional bank to make a small cover transaction individually. An object of the present invention is to provide a bank server, an exchange set transaction method, and an exchange set transaction program.

  In addition, the present invention reduces risks due to exchange fluctuations, and gains a large amount of operating profit as a whole by managing foreign currency with a larger amount of money. Furthermore, the settlement instructions related to foreign exchange operations such as regional banks It is possible to simplify operations such as contract management and foreign currency settlement account scrutiny, and by contributing to the improvement of the capital adequacy ratio, it can contribute to the response to Basel regulations for international unified standard banks, as well as customer share and It is an object of the present invention to provide an exchange set transaction system that leads to an increase in the presence of each bank at a level such as a regional bank, an exchange set transaction bank server, an exchange set transaction method, and an exchange set transaction program used in this exchange set transaction system.

  In order to achieve the above object, according to a first aspect of the present invention, (a) a customer has a distribution account of a second country from a normal account of a distribution currency of a first country held by a first bank. The transfer information that the foreign currency deposit amount equivalent to the foreign currency deposit amount defined in the currency unit and the exchange fee are transferred is the first information provided in the multicurrency deposit processing control means provided in the currency exchange transaction bank server. And (b) the Bostro account management means receive the data of the currency of the first country in the first window bank account database and the multi-currency deposit processing control means. Through the step of transferring to the first country's distribution currency account data of the customer in the first bank multi-currency account database, and (c) the currency unit of the first country's distribution currency and the currency of the second country's distribution currency. Considering the exchange rate defined by the unit, the first Rewriting the data of the customer's first country's circulation currency account amount in the first bank multi-currency account database to the customer's second country's circulation currency account amount data in the first window bank multi-currency account database; (d) In conjunction with the rewriting step, the cover transaction / fund business execution means provided in the exchange set transaction bank server is equivalent to the amount of the currency account in the second country between the first country and the second country. The present invention is summarized in that it is a currency exchange collective transaction method including a step of performing calculation processing of cover transaction and funding business. Here, it is possible to arbitrarily select which country the “first country” is selected and which country the “second country” is selected. For example, select "First Country" from any of various countries such as Japan, USA, Australia, New Zealand, United Kingdom, Canada, Switzerland, Hong Kong, Thailand, Norway, etc., and select "Second Country" Select a country different from the “first country”. In addition, there is no need to have a foreign exchange collective transaction bank (socket-type bank) that owns and operates an exchange collective transaction bank server in either “first country” or “second country”. The “customer” may be a customer in the first country or a customer in a country other than the first country. Similarly, the “first bank” may be located in the first country or in a country other than the first country. According to the exchange set transaction method according to the first aspect, unlike the bank agency business, the exchange set transaction bank server uses the same method as the OEM in the manufacturing industry, and the exchange currency of the customer's first country Calculation processing necessary for foreign currency transactions from the currency unit to the currency unit of the circulation currency of the second country can be performed.

  According to a second aspect of the present invention, (a) each of a plurality of counter bank accounts provided by a plurality of counter banks as respective Bostro account databases in order to store a predetermined amount of reserve fund data in advance. A database, (b) a Bostro account management means for managing data stored in a plurality of bank account databases, (c) data on the amount of currency in the first country, a second country different from the first country A plurality of counter bank multi-currency account databases that organize data of a plurality of currency amounts including distribution currency amount data for each customer, and a plurality of counter banks are separated from each other, and (d ) Multiple counter bank multi-currency account databases are managed independently, and through the Bostro account management means, data on the amount of currency in the first country in the specific counter bank account database is stored in a specific counter bank. Transfer to the first country's distribution currency account data of a specific customer in the multi-currency account database, and further the exchange rate defined by the currency unit of the distribution currency of the first country and the currency unit of the distribution currency of the second country The amount of money in the first country's circulation currency account for a particular customer in a particular bank multi-currency account database, and the second country's circulation currency for a particular customer in a particular window bank multi-currency account database. Multi-currency deposit processing control means that rewrites to account amount data, and (e) Cover transaction corresponding to the amount of circulation currency account in the second country between the first country and the second country in conjunction with the rewriting step And a currency exchange set transaction server comprising cover transaction / fund business execution means for performing calculation processing of the financial business. As described in the first aspect of the present invention, also in the second aspect, it is possible to arbitrarily select which country the “first country” is selected and which country the “second country” is selected. The “customer” may be a customer in the first country or a customer in a country other than the first country. Similarly, “multiple window banks” may be located in the first country or in countries other than the first country, and “multiple window banks” are distributed in different countries. It doesn't matter. According to the exchange set transaction server according to the second aspect, by adopting a system equivalent to the OEM in the manufacturing industry, which is different from the system of the bank agency business, the distribution of the specific customer in the first country Arithmetic processing necessary for foreign currency transactions from the currency unit to the currency unit of the second country circulation currency can be performed.

  A program for realizing the exchange set transaction method described in the first aspect of the present invention is stored in a computer-readable recording medium, and the recording medium is read by a computer system, whereby the exchange set transaction of the present invention is performed. The method can be carried out. That is, the third aspect of the present invention is defined by (a) a currency unit of the second country circulation currency from the ordinary account of the first country circulation currency held by the customer at the first window bank. The first contact bank multi-currency account provided in the multi-currency deposit processing control means provided in the exchange collective transaction bank server with transfer information that the foreign currency deposit equivalent to the first country's circulation currency and exchange fee has been transferred A step of receiving the registration means, and (b) the Bostro account management means sends the data of the amount of the circulation currency of the first country in the first window bank account database via the multi-currency deposit processing control means. Transferred to the first country's distribution currency account data of the customer in the counter bank multi-currency account database, and (c) defined in the currency unit of the distribution currency of the first country and the currency unit of the distribution currency of the second country Considering the exchange rate, the first counter bank multi-currency account Rewriting the data of the currency account of the first country of the customer of the database to the data of the money of the second country of the currency account of the customer in the first bank multi-currency account database; and (d) rewriting the data. The cover transaction / fund business execution means provided on the currency collective transaction bank server is linked between the first country and the second country, and the cover transaction and funds corresponding to the amount of the circulation currency account in the second country. The gist of the present invention is an exchange set transaction program that causes an exchange set transaction bank server to execute a procedure including a step of performing a calculation process of business. As described in the first and second aspects of the present invention, also in the third aspect, it is free to choose which country the “first country” or which country the “second country” is selected, The “customer” may be a customer in the first country or a customer in a country other than the first country. In addition, the “first bank” may be located in the first country or in a country other than the first country. According to the exchange set transaction program according to the third aspect, the calculation processing required for the foreign currency transaction from the currency unit of the distribution currency of the customer's first country to the currency unit of the distribution currency of the second country is performed. It becomes possible to make it a bank server. Further, by using the recording medium recorded with the exchange set transaction program according to the third aspect, the exchange set transaction bank server executes the above procedure so that the exchange set transaction bank server It is also possible to cause the currency exchange collective transaction bank server to perform calculation processing necessary for foreign currency transactions from the currency unit of the distribution currency to the currency unit of the distribution currency of the second country. Here, the “recording medium” means a medium capable of recording a program such as an external memory device of a computer, a semiconductor memory, a magnetic disk, an optical disk, a magneto-optical disk, and a magnetic tape. Specifically, the “recording medium” includes a flexible disk, a CD-ROM, an MO disk, a cassette tape, an open reel tape, and the like.

  According to the present invention, a bank at a level such as a regional bank employs personnel for accepting foreign currency deposits in a manner different from that of a bank agency business, or a foreign currency that requires an investment of 100 million units by each bank's own development. It is not necessary to build a deposit management system, and it is not necessary for banks such as regional banks to do small cover transactions individually, a currency set transaction system, a currency set transaction bank server used for this currency set transaction system, currency exchange A collective transaction method and an exchange collective transaction program can be provided.

  In addition, according to the present invention, the risk due to exchange fluctuations can be reduced, and a large amount of investment can be gained as a result of the operation of foreign currency with a larger amount of money. Furthermore, settlement related to foreign exchange operations such as regional banks. It is possible to simplify operations such as instructions, contract management, and foreign currency settlement account scrutiny, and by contributing to the improvement of the capital ratio, it can contribute to the response to Basel regulations for international unified standard banks and customers It is possible to provide an exchange set transaction system that leads to an improvement in the presence of each bank at a level such as share and regional bank, an exchange set transaction bank server, an exchange set transaction method, and an exchange set transaction program used in this exchange set transaction system.

It is a system configuration figure explaining the outline of the whole exchange set transaction system concerning an embodiment of the invention. The internal structure of the Bostro account management means provided in the exchange set transaction bank server used in the exchange set transaction system of FIG. 1, the counter bank 1 account registration means, the counter bank 2 account registration means provided in the Bostro account management means ,... Is a system configuration diagram illustrating a counter bank 1 account database, a counter bank 2 account database,..., And a counter bank n account database connected in association with each of the counter bank n account registration means. 1. The internal structure of the multicurrency deposit processing control means provided in the exchange collective transaction bank server used in the exchange collective transaction system of FIG. 1, the counter bank 1 multicurrency account registration means provided in the multicurrency deposit processing control means, Window bank 2 multi-currency account registration means,... Window bank 1 multi-currency account database, window bank 2 multi-currency account database,. It is a system block diagram explaining an account database. It is a system block diagram explaining the logical internal structure of the cover transaction / fund business execution means provided in the exchange set transaction bank server used for the exchange set transaction system of FIG. It is a flowchart explaining the content of the logical operation process performed by a cover transaction and fund business execution means. It is a flowchart explaining the exchange set transaction method which concerns on embodiment of this invention. It is a flowchart explaining step S121b and step S12b shown in FIG. It is a flowchart explaining step S121c and step S12c shown in FIG. It is a flowchart explaining step S121f and step S12f shown in FIG. It is a flowchart explaining the exchange set transaction method which concerns on other embodiment of this invention as a modification of the exchange set transaction method shown in FIG. It is a flowchart explaining step S12b shown in FIG. It is a flowchart explaining step S12c shown in FIG. It is a flowchart explaining step S12f shown in FIG.

  Next, embodiments of the present invention will be described with reference to the drawings. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals. However, it should be noted that the drawings are schematic, and the relationship between the thickness and the planar dimensions, the ratio of the thickness of each layer, and the like are different from the actual ones. Therefore, specific thicknesses and dimensions should be determined in consideration of the following description. Moreover, it is a matter of course that portions having different dimensional relationships and ratios are included between the drawings.

  The embodiments of the present invention shown below are examples of hardware resources and methods for embodying the technical idea of the present invention. The technical idea of the present invention is used for the following description. It is not limited to specific hardware resources. The technical idea of the present invention can be variously modified within the technical scope described in the claims.

  In particular, the exchange set transaction system, exchange set transaction bank server used in the exchange set transaction system, exchange set transaction method, and exchange set transaction program described below will be described in the following. Assuming that the circulation currency and the currency unit are yen, the financial system in Japan will be described as an example. However, this is only an example, and the exchange set transaction system proposed by the present invention can be used in other countries other than Japan. Of course, when applying the scheme and technical idea of the present invention to foreign currency deposits in other countries, “Japan” in the description of the exchange set transaction system according to the embodiment of the present invention is Substituting with the names of other countries, and appropriately changing the distribution currency (official currency) of the country and the actual situation and circumstances of the financial world. In addition, if the “first country” is a community such as the European Union (EU), it is a matter of course that the unified currency of the community, such as the euro, corresponds to the “circulation currency and currency unit of the first country”. is there.

(System configuration)
As shown in FIG. 1, the exchange set transaction system according to the embodiment of the present invention includes a first window bank (window bank 1), a second window bank (window bank 2) in a first country (Japan), Each of the computers B ₁ , B ₂ , B ₃ ,..., B _{n of} the third window bank (window bank 3),. It is connected to the exchange set transaction bank server 3 via the interface. Interface, not shown, a plurality of first CHB, the second CHB 3, ..., each of the computer B ₁ of CHB n, B _2, B _3, ..., and B _n, CFXD server The format for exchanging data between the three programs is defined. Here, multiple banks, counterbanks 2, counterbanks 3,..., And counterbanks n are mainly banks with a level such as local banks whose current foreign currency balance is about 0.5% of the market. However, although it is a target, it is not limited to a regional bank or the like. On the other hand, as a foreign exchange collective transaction bank (socket-type bank) that owns and operates the exchange collective transaction bank server 3, for example, a global bank with a foreign currency balance of about 20% of the market has high technology for foreign currency management. However, it is suitable in that it does not require capital investment such as new capital investment, but it is not limited to this, and even a small bank with a small amount of foreign currency will be newly established by grouping etc. It does not matter if it is an organization.

As shown in FIG. 1, the exchange set transaction bank server 3 according to the embodiment of the present invention includes a deposit / withdrawal control means 31 for controlling deposit / withdrawal, and an exchange rate acquisition means 32 for obtaining an exchange rate. , The counter bank 1, the counter bank 2, the counter bank 3,..., The bistro account management means 33 for executing the settlement of the foreign currency fund account data of the entire counter bank n and the management and calculation processing of the balance of the foreign exchange transaction, The data of the foreign currency deposits received from the respective computers B ₁ , B ₂ , B ₃ ,..., B _{n of the} bank 1, the counter bank 2, the counter bank 3,. , Counter bank 3,..., Customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ) _,. ), ... Multi-currency deposit processing responsible for account management calculation processing A physical control means 34, a cover transaction / financial work execution means 35 for executing cover transactions and funding operations, managing a cover balance of foreign exchange transactions and a calculation process, and a transaction instruction receiving means 36 for receiving a transaction instruction. , And a customer 11 (P ₁₁ ), a customer 12 (P ₁₂ ), ..., a customer 1 m (P _1m ), a customer 21 (P ₂₁ ), ..., a customer 31 (P ₃₁ ), a report transmission means 37 for transmitting the original data of the transaction report and balance report for.

As shown in FIG. 2, the Bostro account management means 33 includes balance confirmation means 331, first counter bank account registration means (counter bank 1 account registration means) VA1, second counter bank account registration means (counter bank 2 accounts). Registration means) VA2,..., Nth counter bank account registration means (counter bank n account registration means) VAn. Although not shown in FIG. 1, as shown in FIG. 2, the Bostro account management means 33 includes a first bank account database (window bank 1 account database) VAM1, a second bank account database, which is a corporate account database. Are connected to the nth window bank account database (window bank n account database) VAMn. The counter bank 1 account registration means VA1 writes or rewrites data in the counter bank 1 account database VAM1, reads data from the counter bank 1 account database VAM1, and performs calculations based on the read data. Management and control of data. Further, the counter bank 2 account registration means VA2 writes and rewrites data in the counter bank 2 account database VAM2, reads data from the counter bank 2 account database VAM2, and performs calculations based on the read data. Manage and control data in the database VAM2, and the counter bank n account registration means VAn writes and rewrites data in the counter bank n account database VAMn, reads data from the counter bank n account database VAMn, and Management and control of data in the counter bank n account database VAMn such as calculation based on the read data. For this reason, the computers B ₁ , B ₂ , B ₃ ,..., B _n of the plurality of window banks 1, window banks 2, window banks 3,. Via the Bostro account management means 33, it can be connected to the counter bank 1 account database VAM1, the counter bank 2 account database VAM2,..., The counter bank n account database VAMn, which are corporate account databases.

  On the other hand, as shown in FIG. 3, the multi-currency deposit processing control means 34 includes a first counter bank multi-currency account registration means (a counter bank 1 multi-currency account registration means) PL1, a second counter bank multi-currency account registration means. (Telebank 2 multicurrency account registration means) PL2,..., Nth counterbank multicurrency account registration means (counterbank n multicurrency account registration means) PLn. Window bank 1 multi-currency account registration means PL1, window bank 2 multi-currency account registration means PL2,... Window bank n multi-currency account registration means PLn are window bank 1, window bank 2, window bank 3,. , Bn is constructed, and arithmetic processing is executed while maintaining the confidentiality of information. The counter bank 1 multicurrency account registration means PL1 includes a customer 11 multicurrency account registration means MAR11, a customer 12 multicurrency account registration means MAR12, a customer 13 multicurrency account registration means MAR13,..., A customer 1m multicurrency account registration means MAR1m. . Similarly, the counter bank 2 multi-currency account registration means PL2 includes a customer 21 multi-currency account registration means MAR21, a customer 22 multi-currency account registration means MAR22, a customer 23 multi-currency account registration means MAR23,. The multi-currency account registration unit PLn includes a customer n1 multi-currency account registration unit MARn1, a customer n2 multi-currency account registration unit MARn2, a customer n3 multi-currency account registration unit MARn3,.

  Although not shown in FIG. 1, as shown in FIG. 3, the multi-currency deposit processing control means 34 includes a first counter bank multi-currency account database (counter bank 1 multi-currency account database) PLM1. The second window bank multi-currency account database (window bank 2 multi-currency account database) PLM2,..., The n-th window bank multi-currency account database (window bank n multi-currency account database) PLMn are connected. The counter bank 1 multi-currency account database PLM1, the counter bank 2 multi-currency account database PLM2, ..., the counter bank n multi-currency account database PLMn is also the corresponding counter bank 1, counter bank 2, counter bank 3, ... A logical wall between the computers B1, B2, B3,..., Bn is constructed, and information is stored while maintaining the confidentiality of the information. The counter bank 1 multicurrency account database PLM1 includes a customer 11 multicurrency account file MAM11, a customer 12 multicurrency account file MAM12, a customer 13 multicurrency account file MAM13,..., A customer 1m multicurrency account file MAM1m. Customer 11 multi-currency account file MAM11 includes a table of customer 11 yen account, a table of customer 11 foreign currency 1 account, a table of customer 11 foreign currency 2 account, a table of customer 11 foreign currency 3 account, ..., a table of customer 11 foreign currency p account. Prepare. Here, the foreign currency 1, the foreign currency 2, the foreign currency 3,..., And the foreign currency p are different from the first country (Japan) of the second country, the third country, the fourth country, the fifth country, the sixth country,. Distribution currencies (official currencies) such as US dollar (US dollar), Australian dollar, New Zealand dollar, British pound, Canadian dollar, Swiss franc, Euro, Hong Kong dollar, Thai baht, Norwegian krone, etc. . The customer 12 multi-currency account file MAM12 includes a customer 12 yen account table, a customer 12 foreign currency 1 account table, a customer 12 foreign currency 2 account table, a customer 12 foreign currency 3 account table, ..., a customer 12 foreign currency p account table. Provided ..., customer 1m multi-currency account file MAM1m, customer 1m yen account table, customer 1m foreign currency 1 account table, customer 1m foreign currency 2 account table, customer 1m foreign currency 3 account table, ... customer 1m foreign currency p account The table is provided. Similarly, the counter bank 2 multicurrency account database PLM2 includes a customer 21 multicurrency account file MAM21, a customer 22 multicurrency account file MAM22, a customer 23 multicurrency account file MAM23,... PLMn includes a customer n1 multicurrency account file MAMn1, a customer n2 multicurrency account file MAMn2, a customer n3 multicurrency account file MAMn3,.

  Customer 11 multicurrency account registration means MAR11, customer 12 multicurrency account registration means MAR12, customer 13 multicurrency account registration means MAR13,..., Customer 1m multicurrency account registration means MAR1m, respectively , Customer 11 multi-currency account database MLM11, customer 12 multi-currency account file MAM12, customer 13 multi-currency account file MAM13,..., Customer 1m multi-currency account file MAM1m (not shown) , Customer 11 multicurrency account file MAM11, customer 12 multicurrency account file MAM12, customer 13 multicurrency account file MAM13,..., Customer 1m multicurrency account file MAM1m ( (Not shown) Customer 11 multicurrency account file MAM11, customer 12 multicurrency account file MAM12, customer 13 multicurrency account file MAM13 of the counter bank 1 multicurrency account database PLM1 for reading out data from each of them and operations based on the read data, etc. .., Manages and controls each data of the customer 1m multi-currency account file MAM1m (not shown). In order to write or rewrite data in the customer 11 multi-currency account file MAM11 by the customer 11 multi-currency account registration means MAR11, the data of the table of the customer 11 yen account is converted into the table of the customer 11 foreign currency 1 account according to a predetermined currency rate. , Data of the customer 11 foreign currency 2 account table, data of the customer 11 foreign currency 3 account table,..., Processing of rewriting the data of the customer 11 foreign currency p account table, and the like. In order to write or rewrite data in the customer 12 multi-currency account file MAM12 by the customer 12 multi-currency account registration means MAR12, the data in the customer 12 yen account table is stored in the customer 12 foreign currency 1 account according to a predetermined currency rate. Including data for table, customer 12 foreign currency 2 account table data, customer 12 foreign currency 3 account table data, etc., customer 12 foreign currency p account table data, etc. In order to write or rewrite data in the customer 13 multi-currency account file MAM13 by means MAR13, the customer 13 yen account table data, the customer 13 foreign currency 1 account table data, the customer 13 foreign currency 2 according to a predetermined currency rate Account table data, customer 13 foreign currency 3 account table data, ..., customer 13 Processing for rewriting the currency p account table data, etc. are included. In the case of double currency deposits, both deposits in yen and foreign currencies are possible, and combinations of 10 to 30 are possible, and data is rewritten accordingly.

For example, when the customer P ₁₁ , P ₁₂ , P ₁₃ ,..., P _1m of the counter bank 1 opens a multi-currency deposit account in the counter bank 1, a large number of messages are sequentially transmitted from the computer B ₁ of the counter bank 1 by telegram. Assume that a request for opening a currency deposit account is sent to the exchange collective transaction bank server 3. Then, the counter bank 1 multi-currency account registration unit PL1 of the multi-currency deposit processing control unit 34 of the exchange set transaction bank server 3 responds to the corresponding customer 11 multi-currency based on the messages sequentially sent from the computer B _1. Account registration means MAR11, customer 12 multicurrency account registration means MAR12, customer 13 multicurrency account registration means MAR13,..., Customer 1m multicurrency account registration means MAR1m are installed sequentially for the program of the counter bank 1 multicurrency account registration means PL1. Alternatively, a program prepared in advance in the counter bank 1 multi-currency account registration means PL1 may be replaced with a customer 11 multi-currency account registration means MAR11, a customer 12 multi-currency account registration means MAR12, or a customer 13 multi-currency account. The registration means MAR13, ... are assigned to the customer 1m multi-currency account registration means MAR1m. The customer 11 multi-currency account registration means MAR11, the customer 12 multi-currency account registration means MAR12, the customer 13 multi-currency account registration means MAR13,..., The customer 1m multi-currency account registration means MAR1m are respectively the bank 1 multi-currency account database. In PLM1, customer ₁₁ multicurrency account file MAM11 for customer P11, customer ₁₂ multicurrency account file MAM12 for customer P12, customer ₁₃ multicurrency account file MAM13 for customer P13,... Open MAM1m (not shown). CHB 1 multi-currency account registration means PL1, the corresponding customer 11 for the customer P ₁₁ of CHB 1, multi-currency account file MAM11, customer 12 multi-currency account file MAM12 for the customer P _12, the customer 13 for the customer P ₁₃ The multi-currency account file MAM13,..., The customer 1m multi-currency account file MAM1m (not shown) is assigned an identification account number and managed. The identification account number is created and managed by the counter bank 1 multi-currency account registration means PL1 based on the identification code of the counter bank 1.

Similarly, customer 21 multicurrency account registration means MAR21, customer 22 multicurrency account registration means MAR22, customer 23 multicurrency account registration means MAR23,. Customer 21 multi-currency account file MAM21, customer 22 multi-currency account file MAM22, customer 23 multi-currency account file MAM23,... Of account database PLM2, customer 21 of counter bank 2 multi-currency account database PLM2 Multi-currency account file MAM21, customer 22 multi-currency account file MAM22, customer 23 multi-currency account file MAM23,... 21 Multi-currency account file Le MAM21, customer 22 multi-currency account file MAM22, customer 23 multi-currency account file MAM23, ... of, the management and control of each of the data is carried out. For example, when the customer 21 (P ₂₁ ), customer 22 (P 22), customer 23 (P 23),... Of the counter bank 2 opens a multi-currency deposit account in the counter bank 2, from the computer B ₂ of the counter bank 2, When a request for opening a multi-currency deposit account is sent to the exchange set transaction bank server 3 sequentially by electronic message, the counter bank 2 multi-currency account registration means PL2 of the multi-currency deposit processing control means 34 of the exchange set transaction bank server 3 , from computer B _2, successively, on the basis of the message that has been sent, the corresponding customer 21 and the multi-currency account registration means MAR21, customer 22 multi-currency account registration means MAR22, customer 23 multi-currency account registration means MAR23, ... the CHB 2. Install in multi-currency account registration means PL2. Alternatively, the customer 21 multi-currency account registration means MAR21 and the customer 22 multi-currency account registration means MAR22 corresponding to the program prepared in advance in the counter bank 2 multi-currency account registration means PL2 based on the sent message. , Customer 23 multi-currency account registration means MAR23,... Are sequentially assigned to the counter bank 2 multi-currency account registration means PL2. Then, the customer 21 multi-currency account registration means MAR21, the customer 22 multi-currency account registration means MAR22, the customer 23 multi-currency account registration means MAR23,... Are respectively stored in the counter bank 2 multi-currency account database PLM2, and the customer 21 (P ₂₁ ). Customer 21 multicurrency account file MAM21, customer P22 customer 22 multicurrency account file MAM22, customer P23 customer 23 multicurrency account file MAM23,. The counter bank 2 multi-currency account registration means PL2 is a customer 21 multi-currency account file MAM21 for the customer 21 (P ₂₁ ) of the corresponding counter bank 2, a customer 22 multi-currency account file MAM22 for the customer P22, and a customer for the customer P23. Each multi-currency account file MAM23,... Is assigned an identification account number and managed. The identification account number is created and managed by the counter bank 2 multi-currency account registration means PL2 based on the identification code of the counter bank 2.

Further, the customer n1 multicurrency account registration means MARn1, the customer n2 multicurrency account registration means MARn2, the customer n3 multicurrency account registration means MARn3,... Write and rewrite data in customer n1 multi-currency account file MAMn1, customer n2 multi-currency account file MAMn2, customer n3 multi-currency account file MAMn3, etc. in database PLMn, customer n1 multi-currency account database PLMn in counter bank n Reading data from each of the currency account file MAMn1, customer n2 multi-currency account file MAMn2, customer n3 multi-currency account file MAMn3,... Multicurrency account file AMn1, customer n2 multi-currency account file MAMn2, customer n3 multi-currency account file MAMn3, ... of, the management and control of each of the data is carried out. For example, when customer ni (P _n1 ), customer n2 (P _n2 ), customer n3 (P _n3 ),... Of counter bank n opens a multi-currency deposit account at counter bank n, computer B _{n of} counter bank _n When a request for opening a multi-currency deposit account is sequentially sent to the exchange set transaction bank server 3 from a message, the counter bank n multi-currency account registration means of the multi-currency deposit processing control means 34 of the exchange set transaction bank server 3 PLn is, from computer B _n, successively, on the basis of the message that has been sent, the corresponding customer n1 multi-currency account registration means MARn1, customer n2 multi-currency account registration means MARn2, customer n3 multi-currency account registration means MARn3, ... the Installed in the counter bank n multi-currency account registration means PLn. Alternatively, a program prepared in advance in the counter bank n multi-currency account registration means PLn based on the sent message, the corresponding customer n1 multi-currency account registration means MARn1, customer n2 multi-currency account registration means MARn2, The customer n3 multi-currency account registration means MARn3,. The customer n1 multi-currency account registration means MARn1, the customer n2 multi-currency account registration means MARn2, the customer n3 multi-currency account registration means MARn3,... Are respectively stored in the counter bank n multi-currency account database PLMn and the customer _n1 for the customer P n1. multi-currency account file MAMn1, customer n2 multi-currency account file MAMn2 for the customer P _n2, n3 customer multi-currency account file MAMn3 for the customer P _n3, to open a .... The counter bank n multi-currency account registration means PLn is a customer n1 multi-currency account file MMAM1 for the customer P _n1 of the corresponding counter bank n, a customer _n2 for the customer P _n2 , and a customer _n3 for the customer P n3. Each multi-currency account file MAMn3,... Is assigned and managed with an identification account number. The identification account number is created and managed by the counter bank n multicurrency account registration means PLn based on the identification code of the counter bank n.

If there is withdrawal from the yen deposit of the multi-currency deposit account, the corresponding customer 11 multi-currency account file MAM11, customer 12 multi-currency account file MAM12 for customer P ₁₂ , ..., customer 1m multi-currency account file for customer P _1m Using data such as MAM1m, multi-currency account file MAM21 (not shown),..., Etc., counter bank 1 multi-currency account registration means PL1, counter-bank 2 multi-currency account registration means PL2,. PLn transmits a deposit request message as an XML message to each of the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. Each of the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3, ..., the counter bank _n is the counter bank 1 multi-currency account registration means PL1, the counter bank 2 After receiving the deposit request message from the currency account registration means PL2,..., Counter bank n multi-currency account registration means PLn, each corresponding customer 11 of the counter bank 1, counter bank 2, counter bank 3,. (P ₁₁ ), Customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), Customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),.

The multi-currency deposit processing control means 34 according to the embodiment of the present invention includes customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),. 31 (P ₃₁ ), is a hardware resource as an arithmetic processing means that supports multi-currency deposit business that manages foreign currency deposit data, and constructs an interface with cover transaction / fund business execution means 35 if necessary If necessary, it is possible to connect to the cover transaction / fund operation executing means 35 in real time (the connection between the multi-currency deposit processing control means 34 and the cover transaction / fund operation executing means 35 is made as necessary. It is only necessary to be able to connect in real time, and there is not always a configuration that is always physically connected.) Further, the multi-currency deposit processing control means 34 makes an allowance for the reservation of the FX possession balance and its cover in addition to creating the account system and creating the account settlement. Before the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n deposits into the yen account of the multi-currency deposit processing control means 34, the multi-currency deposit processing control means 34 exists in the Bostro account management means 33. In each of the counter bank 1 account registration means VA1, the counter bank 2 account registration means VA2,..., And the counter bank n account registration means VAn for settlement of foreign currency funds, it is necessary to secure and withdraw the debit balance. For this purpose, the multi-currency deposit processing control means 34 constructs an interface online with the Bostro account management means 33, and the cover transaction / fund business execution means 35 is connected to the Bostro account management means 33 through the exchange transaction recording means 38. After the balance data of the data stored in the counter bank 1 account database VAM1, the counter bank 2 account database VAM2,..., The counter bank n account database VAMn is withdrawn by the Bostro account management means 33, the multi-currency deposit processing control means 34 is Then, data is written into the counter bank 1 multi-currency account database PLM1, the counter bank 2 multi-currency account database PLM2,... When the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n requests withdrawal from the multi-currency deposit processing control means 34, the counter bank 1 multi-currency account of the multi-currency deposit processing control means 34. The balance data is deducted from the data stored in the database PLM1, the counter bank 2 multi-currency account database PLM2,..., The counter bank n multi-currency account database PLMn, and the Bostro account management means 33 sends the same amount of data to the counter bank 1 account database VAM1. , The bank 2 account database VAM2,..., The bank bank n account database VAMn is written and deposited. Then, the multi-currency deposit processing control means 34 sends a message to the corresponding window bank 1, window bank 2, window bank 3,..., Window bank n via the system network, and customer 11 (P ₁₁ ), Customer 12 (P ₁₂ ),..., Customer 1 m (P _{1 m} ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),.

Therefore, as shown in FIG. 1, the exchange set transaction bank server 3 has a counter bank 1 account database VAM1, which is a corporate account database of the counter bank 1, the counter bank 2, the counter bank 3,. The counter bank 2 account database VAM2,... Includes the counter bank n account database VAMn, and is a subsidiary account linked to the counter bank 1 account database VAM1, the counter bank 2 account database VAM2,. As the counter bank 1 multi-currency account database PLM1, the counter bank 2 multi-currency account database PLM2, ..., the counter bank n multi-currency account database PLMn, the mouth bank 1 multi-currency account database PLM1, the counter bank 2 multi-currency account database PLM2・ ・ ・… Bank n Multicurrency Account Database PLMn is, via MCDDcontroller 34, CHB 2, CHB 3, ..., each of the computers of CHB n B _1, B _2, B _3, ..., the B _n, the system network Via a communicable connection.

As described above, the counter bank 1 multi-currency account database PLM1, the counter bank 2 multi-currency account database PLM2,... Is linked to the account processing of each of the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. , CHB 2, CHB, 3, ..., each of the computer B ₁ of CHB _{n, B 2, B 3,} ..., from B _n, the account account processing result, first CHB, the second CHB 3 ,..., Customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ), ..., customer 31 (P ₃₁ ),. Can be output. The calculation processing of the general ledger of the currency exchange collective transaction bank server 3 consists of the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank 1 account database VAM1 and the counter bank 2 which are corporate account databases of the counter bank n. Account database VAM2,..., Executed in conjunction with the stored contents of the counter bank n account database VAMn, and are on-balance, but are sub-bank counter bank 1 multicurrency account database PLM1, counter bank 2 multicurrency account database PLM2, ..., not linked to the counter bank n multi-currency account database PLMn, it is off-balance.

As shown in FIG. 4, the cover transaction / fund operation execution means 35 includes the foreign currency transaction information of the customer 11 (P ₁₁ ), the foreign currency transaction information of the customer 21 (P ₂₁ ), and the customer 31 (P ₃₁ ). Foreign currency transaction information, ... (omitted) ..., foreign currency transaction information such as foreign currency transaction information of customer n1 (P _n1 ) is received and stored, and connected to a foreign currency transaction information storage device 352, Same currency transaction classification means 353 for classifying and selecting foreign currency transaction information of the same currency, and a first same currency transaction storage for storing foreign currency transaction information of the first currency connected to the output side of the same currency transaction classification means 353 Device 354a, second same currency transaction storage device 354b for storing foreign currency transaction information in the second currency, third same currency transaction storage device 354c for storing foreign currency transaction information in the third currency, and the like. Currency transaction storage device 35 a, a first same rate transaction classifying unit 355a connected to a second same currency transaction storage device 354b, a third same currency transaction storage device 354c,..., for classifying and selecting foreign currency transaction information of the same exchange rate, Foreign currency transaction information of the first exchange rate connected to the output side of the second identical rate transaction classification means 355b, the third identical rate transaction classification means 355c,. The first same exchange rate transaction storage device 356a for storing, the second same exchange rate transaction storage device 356b for storing foreign currency transaction information for the second exchange rate, and the foreign currency transaction information for the third exchange rate are stored. A third identical exchange rate transaction storage device 356c, a fourth identical exchange rate transaction storage device 356d for storing foreign currency transaction information of the fourth exchange rate,. A fifth same exchange rate transaction storage device 356e that stores foreign currency transaction information of the first exchange rate, connected to the output side of the rate transaction classification means 355b, and a second that stores foreign currency transaction information of the second exchange rate. 6 identical exchange rate transaction storage devices 356f,..., A first identical exchange rate transaction storage device 356a, a second identical exchange rate transaction storage device 356b, a third identical exchange rate transaction storage device 356c, Foreign currency transaction information for the same deposit period connected to each of the fourth identical exchange rate transaction storage device 356d, the fifth identical exchange rate transaction storage device 356e, the sixth identical exchange rate transaction storage device 356f,. 1st same period transaction classification means 357a, 2nd same period transaction classification means 357b, 3rd same period transaction classification means 357c, 4th same The first deposit connected to the output side of the first same period transaction classification means 357a, the period transaction classification means 357d, the fifth same period transaction classification means 357e, the sixth same period transaction classification means 357f,. The first same transaction execution means 358a that collects foreign currency transaction information for the period and executes the cover transaction / fund operation, the second foreign currency transaction information for the second deposit period, and executes the cover transaction / fund operation. The same transaction execution means 358b collects the foreign currency transaction information of the third deposit period, collects the third currency transaction information of the fourth deposit period, and collects the foreign currency transaction information of the fourth deposit period Collecting and covering foreign currency transaction information for the first deposit period connected to the output side of the fourth identical transaction execution means 358d,... transaction The fifth identical transaction execution means 358e for executing the fund business, the sixth identical transaction execution means 358f for executing the cover transaction and the financial business by collecting the foreign currency transaction information of the second deposit period, and the transaction timing determination Means 351, fund business calculation means 359, and fee calculation means 340 are provided.

With the configuration shown in FIG. 4, the cover transaction / fund business execution means 35 receives and stores the foreign currency transaction information of the customer 11 (P ₁₁ ) and the foreign currency of the customer 21 (P ₂₁ ) received and stored by the foreign currency transaction information storage device 352. The transaction information, the foreign currency transaction information of the customer 31 (P ₃₁ ),... (Omitted)..., And the foreign currency transaction information of the customer n1 (P _n1 ) once or a day according to the arithmetic processing of the flowchart illustrated in FIG. Times, the same currency, the same exchange rate, and the same deposit period, and perform cover transaction and funding operations.

(A) Cover transaction / fund operation execution means 35 is foreign currency transaction information of customer 11 (P ₁₁ ), foreign currency transaction information of customer 21 (P ₂₁ ), foreign currency transaction information of customer 31 (P ₃₁ ), (omitted) ..., after receiving foreign currency transaction information such as foreign currency transaction information of customer n1 ( _Pn1 ) and storing the respective foreign currency transaction information in the foreign currency transaction information storage device 352, in step S131 of FIG. The same currency transaction classification unit 353 of the execution unit 35 determines whether there is a foreign currency transaction of the same currency.

  (B) After the foreign currency transaction information of the same currency is classified and selected by the same currency transaction classification means 353 in step S131, the foreign currency transaction information of the same currency is collected in step S132 of FIG. That is, in step S132, foreign currency transaction information in the first currency is stored in the first same currency transaction storage device 354a, foreign currency transaction information in the second currency is stored in the second same currency transaction storage device 354b, Foreign currency transaction information of currency is stored in the third same currency transaction storage device 354c,..., Foreign currency transaction information of the same currency is stored and aggregated in each same currency transaction storage device.

  (C) After the foreign currency transaction information of the same currency is collected in step S132, it is determined in step S133 of FIG. 5 whether or not there is a foreign currency transaction of the foreign currency transaction information of the same exchange rate for each currency. That is, in step S133, the first same rate transaction classification means 355a classifies the foreign currency transaction information of the same exchange rate from the foreign currency transaction information of the first currency stored in the first same currency transaction storage device 354a. The second same rate transaction classification means 355b classifies and sorts the foreign currency transaction information of the same exchange rate from the foreign currency transaction information of the second currency stored in the second same currency transaction storage device 354b. The third same rate transaction classification means 355c classifies and selects foreign currency transaction information of the same exchange rate from the foreign currency transaction information of the third currency stored in the third same currency transaction storage device 354c, ... for each currency, it is determined whether there is a foreign currency transaction of foreign currency transaction information of the same exchange rate.

  (D) In step S133, for each currency, it is determined whether or not there is a foreign currency transaction of foreign currency transaction information of the same exchange rate, and the foreign currency transaction information of the same exchange rate is classified for each foreign currency transaction of each currency. After the selection, in step S134, foreign currency transaction information having the same currency and the same exchange rate is collected. That is, in step S134, the foreign currency transaction information of the first currency and the first exchange rate is stored in the first same exchange rate transaction storage device 356a, and the foreign currency transaction information of the first currency and the second exchange rate is stored in the first currency exchange transaction storage device 356a. 2 in the same exchange rate transaction storage device 356b, the foreign currency transaction information of the first currency and the third exchange rate is stored in the third same exchange rate transaction storage device 356c, the first currency, the fourth currency Foreign currency transaction information of the exchange rate is stored in the fourth identical exchange rate transaction storage device 356d, and foreign currency transaction information of the second currency and the first exchange rate is stored in the fifth identical exchange rate transaction storage device 356e. , The foreign currency transaction information of the second currency and the second exchange rate is stored in the sixth identical exchange rate transaction storage device 356f, and the third currency and the like not shown in FIG. Remembered Foreign currency transaction information of the same currency and the same exchange rate is stored and aggregated in the same rate transaction storage device.

  (E) After the foreign currency transaction information of the same currency and the same exchange rate is collected in step S134, for each foreign currency transaction of the same currency and the same exchange rate, the foreign currency transaction of the foreign currency transaction information of the same deposit period is performed in step S135. Judge whether there is. That is, in step S135, the first same period transaction classification means 356a uses the same deposit period from the foreign currency transaction information of the first currency and the first exchange rate stored in the first same rate transaction storage device 356a. The foreign currency transaction information of the first currency and the second exchange rate stored in the second identical rate transaction storage device 356b is selected by the second same period transaction classification means 356b. The foreign currency transaction information of the same deposit period is classified and selected, and the third same period transaction classification means 356c stores the foreign currency transaction of the first currency and the third exchange rate stored in the third identical rate transaction storage device 356c. The foreign currency transaction information of the same deposit period is classified and selected from the information, and the fourth same period transaction classification means 356d stores the first currency and the fourth exchange stored in the fourth same rate transaction storage device 356d. The foreign currency transaction information of the same deposit period is classified and selected from the foreign currency transaction information of the rate, and the fifth same period transaction classification means 356e stores the second currency stored in the fifth identical rate transaction storage device 356e, The foreign currency transaction information of the same deposit period is classified and selected from the foreign currency transaction information of the first exchange rate, and the sixth identical period transaction classification means 356f is stored in the sixth identical rate transaction storage device 356f. The foreign currency transaction information of the same deposit period is classified and selected from the foreign currency transaction information of the second currency and the first exchange rate, and the third currency and the like not shown in FIG. Whether or not there is a foreign currency transaction in the foreign currency transaction information for the same deposit period is determined for each foreign currency transaction that is selected and has the same currency and the same exchange rate.

  (F) In step S135, for each same currency and same exchange rate, it is determined whether there is a foreign currency transaction of foreign currency transaction information for the same deposit period, and the foreign currency transaction information for the same deposit period is the same currency and the same exchange rate. In step S136, the foreign currency transaction information of the same currency, the same exchange rate, and the same deposit period is collected and used to collect the same currency, the same exchange rate, and the same deposit period. Cover transactions and funding operations are executed individually. That is, in step S136, the first same transaction execution means 358a uses the first currency, the first exchange rate, and the foreign currency transaction information of the first deposit period to collect and execute the cover transaction / fund operation. The cover transaction / fund operation is executed by the second same transaction execution means 358b using the currency, the first exchange rate, and the foreign currency transaction information of the second deposit period, and the first currency, the first exchange rate, the second The cover transaction / fund business is executed by the third identical transaction execution means 358c using the foreign currency transaction information of the three deposit periods, and the foreign currency transaction information of the first currency, the first exchange rate, and the fourth deposit period. The cover transaction / fund business is executed by the fourth identical transaction execution means 358d using a set of and the foreign currency transaction information of the first currency, the second exchange rate, and the first deposit period. Same take The cover transaction / fund operation is executed by the execution means 358e, and the cover transaction / fund is executed by the sixth same transaction execution means 358f using the foreign currency transaction information of the first currency, the second exchange rate, and the second deposit period. The business is executed, and the third exchange rate of the first currency, the fourth exchange rate of the first currency, the first exchange rate of the second currency, the second exchange rate of the second currency, which are not shown in FIG. For the third currency, etc., the same classification, collection and execution are performed, and foreign currency transaction information for the same currency, the same exchange rate, and the same deposit period is collected and used, and the same currency, the same exchange rate, and the same deposit period are used. Cover transactions and funding operations are executed individually.

  Note that the hardware configuration shown in FIG. 4 is an example of a configuration in which foreign currency transaction information is arranged in parallel for each same currency, for each same exchange rate, and for each same deposit period. In addition, it is possible to adopt a configuration in which the same currency, the same exchange rate, and the same deposit period are arranged, and serially, the same currency, the same exchange rate, and the same deposit period. With the configuration, the hardware configuration is simpler than the configuration shown in FIG. 4, and in this case as well, the arithmetic processing according to the flowchart illustrated in FIG. 5 can be executed.

  In the above, first, it is determined whether there is a foreign currency transaction in the same currency, and after collecting foreign currency transaction information in the same currency, whether there is a foreign currency transaction in the foreign currency transaction information at the same exchange rate for each currency. Collect the foreign currency transaction information of the same currency and the same exchange rate, and finally determine whether there is a foreign currency transaction of the foreign currency transaction information of the same deposit period, the same currency, the same exchange rate, The flow chart shown in FIG. 5 describes the procedure of logical operations for collecting foreign currency transaction information for the same deposit period and individually executing cover transactions / fund operations for the same currency, the same exchange rate, and the same deposit period. Is an example, and the contents of the arithmetic processing executed inside the cover transaction / fund business execution means 35 are not limited to the arithmetic processing in the order of the flowchart shown in FIG. For example, first, it is determined whether or not there is a foreign currency transaction in the same currency. After collecting foreign currency transaction information in the same currency, there is a foreign currency transaction in the foreign currency transaction information in the same deposit period for each currency. Collect foreign currency transaction information for the same currency and the same deposit period, and finally determine whether or not there is a foreign currency transaction for the foreign currency transaction information at the same exchange rate. Alternatively, a procedure may be used in which foreign currency transaction information having the same exchange rate is collected, and cover transactions / fund operations for the same currency, the same deposit period, and the same exchange rate are individually executed.

  Alternatively, first, after determining whether or not there is a foreign currency transaction for the same deposit period and collecting the foreign currency transaction information for the same deposit period, there is a foreign currency transaction for the foreign currency transaction information at the same exchange rate for each deposit period. Collect foreign currency transaction information with the same deposit period and the same exchange rate, and finally determine whether or not there is a foreign currency transaction with the same currency foreign currency transaction information. For example, a procedure may be used in which rates and foreign currency transaction information in the same currency are gathered, and the same deposit period, the same exchange rate, and the same currency cover transaction / fund business are individually executed.

That is, the order in which the same currency, the same exchange rate, and the same deposit period are classified, selected and assembled (permutation) is

₃ P ₃ = 3! = 6 ways

Therefore, it can be appropriately selected from these six permutations.

When the order in which the same currency, the same exchange rate, and the same deposit period are classified, selected, and assembled is changed from the order illustrated in the flowchart shown in FIG. 5, the logical system formed by the hardware resources shown in FIG. Of course, the configuration can be changed as appropriate.
Using the cover transaction / fund operation execution means 35 whose logical structure is illustrated in FIG. 4, according to the flowchart illustrated in FIG. Foreign currency cover transaction for customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. And the multi-currency interest cover business by the exchange collective transaction bank server 3, and the computers B ₁ , B ₂ , B ₃ ,... Of the counter bank 1, the counter bank 2, the counter bank 3,. , B _n , instead of the calculation processing of the bank exchange transaction bank server 3, the computer B ₁ , B ₂ of each of the counter bank 1, the counter bank 2, the counter bank 3,. , B _3, ..., in B _n, small and individual Arithmetic processing of bar transaction is not required.

For this reason, in the exchange collective transaction system according to the embodiment of the present invention, the risk of exchange fluctuation can be avoided without being affected by the exchange fluctuation, and the counter bank 1, the counter bank 2, the counter bank 3,. each computer B ₁ of, B _2, B _3, ..., the processing operation of holdings management takes currency and interest rates B _n becomes unnecessary, computer _{B 1, B 2, B 3} , ..., operations in B _n An advantageous effect that simplification of processing is realized can be achieved. In addition, this makes it possible to improve the efficiency of the operations of the counter bank 1, the counter bank 2, the counter bank 3,.

Furthermore, according to the exchange set transaction system according to the embodiment of the present invention, each of the computers B ₁ , B ₂ , B ₃ ,. Since B _n funds data can be combined and processed with a larger amount of data, counter bank 1, counter bank 2, counter bank 3, ..., counter bank n has its own market. More operational benefits can be expected than operating at

  According to the exchange set transaction system according to the embodiment of the present invention, it is possible to increase the amount of funds to be handled. Therefore, as the amount of funds is large, it is possible to invest in as many types of portfolios as possible, thereby diversifying investment risks. As a result, losses are reduced and profits are increased. The “portfolio” here is multi-currency foreign bonds in different countries. For example, when managing dollar deposits, even if the funds consist of a single currency, the dollar, if the amount of funds is large, the funds will be distributed in different countries, different types (government bonds or corporate bonds), and different periods. However, if the amount of funds is small, it is difficult to invest in various types of bonds.

  Due to the large amount of funds handled by the exchange set transaction system according to the embodiment of the present invention, the investment period is not only matched with the deposit procurement period, but also combined with the interest rate sensitivity (duration) in mind, It becomes possible to aim for efficient operation. For example, deposits accepted as ordinary deposits are managed as ordinary deposits, and deposits accepted as time deposits are not managed separately as term deposits. It becomes. In other words, even with funds collected as ordinary deposits, it is possible to operate high technology such as purchasing medium-term and long-term bonds by referring to the retention rate obtained from empirical rules and the term structure of interest rates. Become.

Further, according to the exchange set transaction system according to the embodiment of the present invention, the exchange set transaction bank server 3 centrally manages each of the counter bank 1, the counter bank 2, the counter bank 3,. customer ₁₁ (P 11), the customer ₁₂ (P 12), ..., customer _1m (P 1m), the customer ₂₁ (P 21), ..., a customer ₃₁ (P 31), ... processing of transactions with at gross and Because it processes, you can get relatively more commission revenue. As mentioned in the background section, the current foreign exchange settlement business uses SWIFT, a universal currency trading system, to integrate telegrams used in communications between financial institutions in the banking world. . According to the exchange set transaction system according to the embodiment of the present invention, each of the computers B ₁ , B ₂ , B ₃ ,..., B _{n of the} counter bank 1, the counter bank 2, the counter bank 3 _,. Each of them does not need to send a settlement instruction command to a plurality of banks as in the conventional method, and the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n do not use SWIFT. , It will be possible to purchase foreign currency only through the Bank of Japan system by centralizing payments on the Bank of Japan net used by all banks in Japan that are Japanese yen settlement operations, thus realizing the efficiency and simplicity of settlement operations In addition to the advantageous effects, there is no need to pay any fees incurred when using SWIFT, and it is possible to reduce the costs of the counter bank 1, the counter bank 2, the counter bank 3,. There is an effect Although the BOJ-NET has been described as an example here, as described at the beginning of the column for carrying out the invention, the exchange set transaction system itself according to the embodiment of the present invention is not a country other than Japan. Because it is a network system that can be used in Japan, it is possible to use the exchange set transaction system scheme for foreign currency deposits in other countries.

In the exchange set transaction system according to the embodiment of the present invention, the data of the multi-currency ledger is combined in the bank bank account unit 33 and the cover transaction / fund business execution unit 35 in units of the counter bank. Each of the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 2, the counter bank 3,..., And the counter bank n exchanges the settlement calculation process and the cover transaction / fund calculation process. Since it is only necessary to input the result executed in the house bank server 3, at the counter bank 1, the counter bank 2, the counter bank 3, ..., the counter bank n, settlement instructions, contract management, foreign currency settlement related to foreign exchange business Simplify operations such as account scrutiny.

Therefore, the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. The window bank 1, the window bank 2, the window bank 3,..., And the window bank n are not exposed to market risk / price fluctuation risk. As a result, the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n have an advantageous effect of contributing to an increase in the capital ratio from the viewpoint of the Basel regulations for the international unified standard bank.

Each of the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. , Customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. Are disclosed to the collective transaction bank server 3 without using a unique account identification number provided by the collective transaction bank server 3, the counter bank 1 multicurrency account database PLM1, the counter bank 2 multicurrency account database PLM2,. n It is possible to execute transaction processing using the stored contents (data) of the multi-currency account database PLMn. As a result, the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. as, first CHB, the second CHB 3, ..., each of the computer B ₁ of CHB n, B _2, B _3, ..., from the B _n customers 11 (P _11), the customer 12 (P ₁₂₎ , ..., customer _1m (P 1m), customer ₂₁ (P 21), ..., customer ₃₁ (P 31), can be output to .... As a result, the currency exchange collective transaction system according to the embodiment of the present invention further improves customer acquisition and market share by using highly competitive interest rates and the number of currencies, and counter bank 1, counter bank 2, It is possible to improve the brand presence of the counter bank 3,.

The purpose of the transaction such as asset management and foreign currency deposits and the idea of risk are as follows: customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),. (P ₃₁ ),... Customer 11 (P ₁₁ ), Customer 12 (P ₁₂ ), ..., Customer 1 m (P _{1 m} ), Customer 21 (P ₂₁ ), ..., Customer 31 (P ₃₁ ), are foreign currency / structured deposits, investment trusts, etc. In considering the transaction, it is necessary to grasp in advance “what kind of target is” for asset management, “how much risk is acceptable”, etc., but in the exchange set transaction system according to the embodiment of the present invention, , Customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. Since it is not disclosed to the server 3, the exchange set transaction bank that owns and operates the exchange set transaction bank server 3 is customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 ( P _21), ..., customer ₃₁ (P 31), ... determine the risk tolerance of The profiling, first CHB, the second CHB, 3, ..., can be the responsibility of the CHB n. When customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. The counter bank 2, the counter bank 3,..., The customer bank n is a customer 11 (P ₁₁ ), a customer 12 (P ₁₂ ),..., A customer 1 m (P _{1 m} ), a customer 21 (P ₂₁ ),. P ₃₁ ), ... will be proposed a product suitable for each.

  Normally, in order for a financial institution to acquire an individual customer, personal information of the individual customer is acquired in the process. For example, when an individual customer opens an account at a financial institution, the personal information such as name, address, occupation, purpose of opening the account, etc. shall be indicated on the designated application form, and an ID such as a driver's license will be presented or submitted There is a need. Since the matters described in the above application form and the items described in the ID are personal information, financial institutions are required by law to strictly manage such personal information (Personal Information Protection Act and notification by the Financial Services Agency) The guidelines and practical guidelines regarding the handling of personal information. In other words, the purpose of use of personal information is limited and cannot be used for purposes other than the intended use in principle. Also, the personal information needs to be updated with accurate contents as needed. In addition, if personal information is leaked, you will be required to report to the authorities (Financial Agency), and if damage is caused to an individual customer due to the leak, you will be compensated for that customer. According to the exchange set transaction system according to the embodiment of the present invention, the exchange set transaction bank (socket-type bank) that owns and operates the exchange set transaction bank server 3 is associated with the acquisition and management of personal information of individual customers. You can avoid the burden.

  In addition, financial institutions are prohibited from dealing with anti-social forces (such as gangs) because of legal compliance requirements. When an individual customer wants to open an account with a financial institution, the financial institution lists a list of anti-social forces owned by the third party or provided by a third party (names of designated gangs and their members are listed). List) and the customer, and if the customer is an anti-social force, the customer will refuse to open an account. According to the exchange set transaction system according to the embodiment of the present invention, the exchange set transaction bank (socket-type bank) that owns and operates the exchange set transaction bank server 3 is that an individual customer who intends to open an account is anti-social. There is no need to investigate whether it is a power.

  Furthermore, in order to prevent money laundering, financial institutions verify customer identity and store records based on the Act on Prevention of Transfer of Revenue from Crime (hereinafter referred to as the “Crime Revenue Prevention Act”). There is an obligation to save transaction records. In addition, if a customer's transaction is suspected to be related to criminal proceeds, there is an obligation to report it to the authorities (Financial Agency) as a suspicious transaction. According to the exchange set transaction system according to the embodiment of the present invention, the exchange set transaction bank (socket-type bank) that owns and operates the exchange set transaction bank server 3 confirms the identity of the individual customer or records the record thereof. It is not necessary to save and monitor the transactions made by the customer and check whether suspicious transactions have been made.

As described above, according to the exchange set transaction system according to the embodiment of the present invention, calculation processing of all transactions other than deposit acquisition and its operation is completed through the system without human intervention, so that it becomes a seamless business process. . Further, the calculation processing of foreign currency possession balance management on the computers B ₁ , B ₂ , B ₃ ,..., B _n side of the counter bank 1, the counter bank 2, the counter bank 3,. In particular, calculation of foreign currency holding balance management currently performed individually by each of the computers B ₁ , B ₂ , B ₃ ,..., B _{n of} the counter bank 1, the counter bank 2, the counter bank 3,. The processing is performed centrally by the exchange set transaction bank server 3 through the exchange set transaction system, so that each of the computers B ₁ , B ₂ ,. The calculation processing on the B ₃ ,..., B _n side is not necessary, and the efficiency of the operations of the counter bank 1, the counter bank 2, the counter bank 3,.

The exchange set transaction system according to the embodiment of the present invention includes a plurality of window banks 1, window banks 2, window banks 3,..., And computers B ₁ , B ₂ , B ₃ ,. Since it can be realized only by constructing an interface that defines a format for exchanging data between each program of B _n and the exchange collective transaction bank server 3, each counter bank 1, counter bank 2, counter bank 3,. Thus, it is not necessary to construct a foreign currency deposit management system in which the counter bank n individually employs personnel to accept foreign currency deposits and each bank independently develops a foreign currency deposit management system that requires 100 million investment.

In the exchange set transaction system according to the embodiment of the present invention, each of the computers B ₁ , B ₂ , B ₃ ,..., B of the counter bank 1, the counter bank 2, the counter bank 3,. _{, n} is for each of the collective transaction bank server 3, counter bank 1, counter bank 2, counter bank 3,..., customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),. Without disclosing personal information of customer 1m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. Bank 1 multi-currency account database PLM1, counter bank 2 multi-currency account database PLM2, ..., transaction processing using the stored contents (data) of counter bank n multi-currency account database PLMn can be executed. The amount of data handled by the server 3 is reduced, high-speed processing is possible, and calculations necessary for management on the exchange collective bank side can be reduced.

   Further, according to the exchange collective transaction system according to the embodiment of the present invention, each of the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n operate the personal currency account and operate the exchange collective transaction system. Since it is managed as a deposit to a foreign exchange collective transaction bank (socket-type bank), each window bank 1, window bank 2, window bank 3, ..., window bank n is not exposed to market risk / price fluctuation risk. Foreign bank deposits acquired by counter bank 1, counter bank 2, counter bank 3,..., And counter bank n are deposited into a foreign exchange collective transaction bank (socket-type bank) as its management destination. Since the total assets of bank 2, counter bank 3,..., And counter bank n are risk-adjusted according to the contents, the amount of core capital required for foreign currency deposit management is the same as that required for securities management. In other words, it is possible to contribute to the improvement of the capital adequacy ratio by adopting the exchange rate collective transaction system. Therefore, each counter bank 1, counter bank 2, counter bank 3, ... If so, it can contribute to the response to the Basel regulations.

First CHB, the second CHB 3, ..., each of the computer B ₁ of CHB n, B _2, B _3, ..., in between B _n and CFXD server 3, substantially counter bank 1, CHB 2, CHB 3, ..., each of the computer B ₁ of CHB _{n, B 2, B 3,} ..., the foreign currency deposits deposit to CFXD server 3 of B _n. Further, the operating profit of the exchange set transaction system according to the embodiment of the present invention and the profit of the exchange handling fee are divided into the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n, and the exchange set transaction bank server 3. Is shared with a foreign exchange collective transaction bank (socket-type bank) that owns and operates

With respect to net banking, the present invention provides the interfaces of the computer B ₁ , B ₂ , B ₃ ,..., B _n specifications of the counter bank 1, the counter bank 2, the counter bank 3,. In the range proposed by the technical idea, the exchange set transaction bank server 3 can be configured to have a function similar to that of net banking. Therefore, the exchange set transaction system according to the embodiment of the present invention is to lead to the enhancement of net banking in addition to the counter operations of the counter bank 1, the counter bank 2, the counter bank 3,. It is.

(Foreign exchange collective transaction method)
The exchange set transaction method according to the embodiment of the present invention will be described with reference to the flowcharts of FIGS. It should be noted that the exchange set transaction method described below is an example, and various other operation / transaction methods including this modification can be realized within the scope of the gist of the claims. Of course there is. In the following description of the exchange set transaction method according to the embodiment of the present invention, a plurality of first window banks (window bank 1), second window banks (window bank 2), third An alliance contract is established between the n-th window bank (window bank 3), ..., the n-th window bank (window bank n), and the currency exchange transaction bank (socket-type bank) that owns and operates the exchange transaction bank server 3. As shown in FIGS. 1 to 3, the exchange bank transaction bank server 3 has a counter bank 1 account registration means VA1, a counter bank 2 account registration means VA2,..., A counter bank n account registration means VAn, Window bank 1 account database VAM1, window bank 2 account database VAM2,... Window bank n account database VAMn, window bank 1 multicurrency account registration means PL1, window bank 2 multicurrency account registration means PL2, ..., window bank n multicurrency Seat registration means PLn, CHB 1 multi-currency account database PLM1, CHB, 2 multi-currency account database PLM2, ..., CHB n multi-currency account database PLMn, etc., and those that are available.

  (A) First, in step S11, the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n in the first country (Japan) each have a real time gross settlement (Real Time Gross) of the Bank of Japan financial network system. The current account of the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n, which is provided in the collective transaction bank 31 via the deposit / withdrawal control means 31 of the collective transaction bank server 3 by Settlement: RTGS). Access an account (Bostro account) and deposit a predetermined amount of reserve funds according to the scale of operation, such as 100 million yen, in each checking account (Bostro account). The bank bank 1 account registration means VA1, window bank 2 account registration means VA2, window bank 3 account registration means VA3,... The deposit data of the reserve funds of the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n are stored in the counter bank 1 account database VAM1, the counter bank 2 account database VAM2, the counter bank 3 account database VAM3,. And stored in the counter bank n account database VAMn.

(B) And customer 11 (P ₁₁ ) of customer bank 1, customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 of customer bank 2 (P ₂₁ ),. When a customer 31 (P ₃₁ ),... Opens a multi-currency deposit account at the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n, the counter bank 1, the counter bank 2, the counter bank 3, ..., CHB, each of the computer B ₁ of _{n, B 2, B 3,} ..., from B _n, successively, a request for opening a multi-currency bank account is sent CFXD server 3 in the telegram. Then, CHB MCDDcontroller 34 of CFXD server 3, respectively computer _{B 1, B 2, B 3} , ..., the B _n, successively, which based on the message sent, the corresponding 1 multi-currency account registration means PL1, customer 11 multi-currency account registration means MAR11, customer 12 multi-currency account registration means MAR12, ... customer 1m multi-currency account registration means MAR1m, counter bank 1 multi-currency account registration means PL1 Are sequentially installed, and programs such as the customer 21 multicurrency account registration means MAR21,... Corresponding to the inside of the counter bank 2 multicurrency account registration means PL2 are sequentially installed. Alternatively, a program prepared in advance may be used as required by the customer 11 multicurrency account registration means MAR11, the customer 12 multicurrency account registration means MAR12,..., The customer 1m multicurrency account registration means MAR1m, the customer 21 multicurrency account registration means. Assign to MAR21,... The counter bank 1 multi-currency account registration means PL1, the counter bank 2 multi-currency account registration means PL2,..., The counter bank n multi-currency account registration means PLn are the customer 11 multi-currency account registration means MAR11, the customer 12 multi-currency account registration. means MAR12, ..., customer 1m multi-currency account registration means MAR1m, customer 21 and the multi-currency account registration means MAR21, through the ..., etc., the customer 11 multi-currency account file MAM11 for the customer P ₁₁ of CHB 1, for the customer P ₁₂ customers 12 multi-currency account file MAM12, ..., opened a customer 1m multi-currency account file MAM1m for the customer P _1m, customer 21 and the multi-currency account file for the customer 21 of CHB 2 (P ₂₁₎ MAM21 (not shown) , ... is established. The counter bank 1 multi-currency account registration means PL1, the counter bank 2 multi-currency account registration means PL2,..., The counter bank n multi-currency account registration means PLn is a customer 11 multi-currency account file for the customer P ₁₁ of the corresponding counter bank 1. MAM11, customer 12 multi-currency account file MAM12 for the customer P _12, ..., customer 1m multi-currency account file MAM1m for the customer P _1m, customer ₂₁ (P 21) of CHB 2 customers 21 and the multi-currency account file for MAM21 ( An identification account number is assigned to each of them (not shown),. The identification account number is the counter bank 1 multi-currency account registration means PL1, the counter bank 2 multi-currency account registration means PL2 based on the identification code of the counter bank 1, counter bank 2, counter bank 3,. ,... Are created and managed by the counter bank n multi-currency account registration means PLn.

(C) After the above multi-currency deposit account opening process is completed, for example, US $ 1 is 90 yen, and customer 11 (P ₁₁ ) of counter bank 1 makes a 10,000 US $ (= 900,000 yen) fixed deposit. Suppose you want to. That is, in step S121a, the customer 11 (P ₁₁ ) sets 900,000 yen of the funds in the savings account of the customer 11 (P ₁₁ ) held in the counter bank 1 and the exchange fee to the multi-currency of the exchange collective bank. Assume that the customer 11 (P ₁₁ ) in the savings account is transferred to the yen ordinary account. Specifically, for example, when using the net banking provided by the counter bank 1 for the transfer, the customer 11 (P ₁₁ ) performs the transfer by itself, or the terminal provided by the collective transaction bank to the counter bank 1 When the bank is used, the bank of the counter bank 1 transfers at the counter of the counter bank 1. If there is a sufficient amount of yen funds in advance in the yen account held by customer 11 (P ₁₁ ) in counter bank 1, a portion of the yen account funds held in counter bank 1 will be 11 (P ₁₁ ) can be transferred to the ordinary yen account. If customer 11 (P ₁₁ ) does not have a sufficient amount of yen funds in the yen account held in counter bank 1, it will be equivalent to a foreign currency deposit in the counter bank 1's yen account to make a foreign currency deposit. Yen + exchange fee may be deposited, and the customer 11 (P ₁₁ ) has a multi-currency deposit account customer 11 (P ₁₁ ) held in the counter bank 1 from an account held in a bank other than the counter bank 1. ₁₁ ) Yen accounts equivalent to foreign currency deposits and foreign exchange fees may be transferred to the yen account. In other words, various payment paths can be adopted for transferring to the yen ordinary account of the customer 11 (P ₁₁ ) in the multi-currency deposit account.

(D) Then, in step S122a, the first country (Japan) customer 11 (P ₁₁ ) holds in the first window bank (gate bank 1) the ordinary account of the first country circulation currency (yen) The deposit information (transfer) that the first country's circulation currency (yen) equivalent to the foreign currency deposit amount defined in the currency unit (US dollars) of the second country (US) and the foreign exchange fee were transferred (transferred) Information) is received by the first counter bank (counter bank 1) multi-currency account registration means PL1 provided in the multi-currency deposit processing control means 34 provided in the exchange set transaction bank server 3. That is, in step S122a, the customer 11 (P ₁₁ ) of the counter bank 1 deposits 900,000 yen into the savings account of the counter bank 1 and transfers to the multi-currency deposit account (transfer request information). With the information processing network system that connects the collective transaction bank and the counter bank 1, the deposit / withdrawal control means 31 of the collective transaction bank server 3 from the computer B ₁ of the counter bank 1 is almost real-time by system integration with a high security level. Is further transmitted from the deposit / withdrawal control means 31 to the counter bank 1 multi-currency account registration means PL1 of the multi-currency deposit processing control means 34. The counter bank 1 multi-currency account registration means PL1 receives the data of 900,000 yen and the exchange fee via the customer 11 multi-currency account registration means MAR11, and stores the data of the customer 11 multi-currency account file MAM11 in the counter bank 1 multi-currency account database PLM1. Store the file in the customer 11 yen account file. For example, an XML format may be used for a message such as payment request information.

(E) In step S124a, when data of the currency of the first country's circulation currency (yen) is stored, the Bostro account management means 33 uses the first counter bank (counter bank 1) in the first account database VAM1. Through the multi-currency deposit processing control means 34, data on the amount of the national circulation currency (yen) is sent to the customer 11 of the first counter bank (counter bank 1) multi-currency account database PLM1, the first of the multi-currency account database MAM 11 Transfer to national circulation currency (yen) account data. That is, in step S124a, the Bostro account management means 33 of the exchange set transaction bank server 3 stores the 900,000 yen data in the counter bank 1 account database VAM1, and the customer 11 multi currency account registration of the counter bank 1 multi currency account registration means PL1. Via the means MAR11, the customer 11 in the counter bank 1 multi-currency account database PLM1 is transferred to the data of the customer 11 yen account in the multi-currency account file MAM11, and the current account (bostro account) 900,000 yen in the counter bank 1 is Transfer to the yen account of the customer 11 managed by the currency deposit processing control means 34. Then, taking into account the exchange rate defined by the currency unit of the first country's circulation currency (yen) and the currency unit of the second country's (US) circulation currency (US dollars), the first window bank (the window bank) 1) The data of the currency (yen) account amount of the first country of the customer 11 (P ₁₁ ) of the multi-currency account database PLM1 is stored in the customer 11 ( P ₁₁ ) is rewritten with the data of the second country distribution currency account (customer 11 foreign currency 1 account). As a result, the customer 11 (P ₁₁ ) makes an application for a foreign currency deposit / structured deposit of US $ 10,000 for 900,000 yen transferred to the yen account of the customer 11 managed by the multicurrency deposit processing control means 34. The customer 11 (P ₁₁ ) identification information and currency type information. Foreign currency transaction information of the customer 11 including exchange rate information, deposit period information, and the like is transmitted to the cover transaction / fund operation execution means 35.

(F) Similarly, it is assumed that the customer 21 (P ₂₁ ) of the counter bank 2 wants to make a time deposit of X US dollars (= 90 X yen) at approximately the same timing on the same day. That is, as shown in FIG. 7, in step S121b of step S12b, the customer 21 (P ₂₁ ) has 90X yen in the funds in the savings account of the customer 21 (P ₂₁ ) held in the counter bank 2 and the exchange fee Is transferred to the yen ordinary account of the customer 21 (P ₂₁ ) in the multi-currency deposit account of the currency exchange transaction bank. Then, the payment request information (transfer request information) that the customer 21 (P ₂₁ ) of the counter bank 2 deposits 90X yen into the savings account of the counter bank 2 and transfers it to the multi-currency deposit account is It is transmitted from the computer B ₁ of the counter bank 2 to the deposit / withdrawal control means 31 of the exchange collective transaction bank server 3 by the information processing network system connecting the counter bank 2, and further from the deposit / withdrawal control means 31 to the multi-currency deposit processing control means. 34 counter bank 2 multi-currency account registration means PL2. In step S122b, the counter bank 2 multi-currency account registration means PL2 receives the deposit request information (transfer request information), and the counter bank 2 multi-currency account registration means PL2 receives the 90X via the customer 21 multi-currency account registration means MAR21. Yen and exchange fee data are stored in the customer 21 multi-currency account file MAM21 of the customer 21 multi-currency account database PLM2 in the customer bank 2 multi-currency account database PLM2. Thereafter, in step S124b, the Bostro account management means 33 uses the counter bank 2 account database VAM2 for 90X yen data via the customer 21 multi-currency account registration means MAR21 of the counter bank 2 multi-currency account registration means PL2. 2 Customer 21 of multi-currency account database PLM2 Transfer to customer 21-yen account data of multi-currency account file MAM21, customer 21 (managed by multi-currency deposit processing control means 34) reclassified to circle account of P _21). As a result, the customer 21 (P ₂₁ ) applies for a foreign currency deposit / structured deposit of US $ X with 90 X yen transferred to the yen account of the customer 21 (P ₂₁ ) managed by the multi-currency deposit processing control means 34. That is, identification information of customer 21 (P ₂₁ ) and currency type information. Foreign currency transaction information of the customer 21 including exchange rate information, deposit period information, and the like is transmitted to the cover transaction / fund operation execution means 35.

(G) Similarly, it is assumed that the customer 31 (P ₃₁ ) of the counter bank 3 wants to make a time deposit of Y US dollars (= 90 Y yen) at substantially the same timing on the same day. That is, as shown in FIG. 8, in step S121c of step S12c, the customer 31 (P ₃₁ ) has 90Y yen and the exchange fee in the funds of the customer 31 (P ₃₁ ) savings account held in the counter bank 3 Is transferred to the yen ₃₁ ordinary account of the customer 31 (P ₃₁ ) in the multi-currency deposit account of the currency exchange transaction bank. Further, the deposit request information (transfer request information) that the customer 31 (P ₃₁ ) of the counter bank 3 deposits 90 Y yen into the savings account of the counter bank 3 and transfers it to the multi-currency deposit account is The information is sent from the computer B ₁ of the counter bank 3 to the deposit / withdrawal control means 31 of the exchange collective transaction bank server 3 by the information processing network system connecting the counter bank 3, and from the deposit / withdrawal control means 31 to the multi-currency deposit processing control means. The information is transmitted to 34 counter bank 3 multi-currency account registration means PL3 (not shown). In step S122c, the counter bank 3 multicurrency account registration means PL3 (not shown) receives the deposit request information (transfer request information), and the counter bank 3 multicurrency account registration means PL3 receives the customer 31 multicurrency account registration means MAR31 ( 90Y yen and exchange fee data are stored in the customer 31 multi-currency account file MAM31 (not shown) in the customer bank 3 multi-currency account database PLM3 (not shown) in the file of the customer 31 yen account. . Thereafter, the Bostro account management means 33 registers the data of 90 Y yen in the counter bank 3 account database VAM3 (not shown) in step S124c with the customer 31 multi-currency account registration of the counter bank 3 multi-currency account registration means PL3 (not shown). Via means MAR31 (not shown), transfer to customer 31 multi-currency account database PLM3 (not shown) customer 31 multi-currency account file MAM31 (not shown) data of customer 31 yen account, checking account of checker bank 3 the 90Y circle account, transfer to a circle account customers 31 managed by the MCDDcontroller 34 (P _31), the customer 31 (P _31), the customer 31 MCDDcontroller 34 manages ( We will apply for Y $ US foreign currency deposits and structured deposits with 90 Y yen transferred to Y ₃₁ account of P ₃₁ ). ₃₁ ) Identification information, currency type information. Foreign currency transaction information of the customer 31 including exchange rate information, deposit period information, and the like is transmitted to the cover transaction / fund operation execution means 35. ... (omitted) ... Similarly, as shown in FIG. 9, in step S121f of step S12f, the customer n1 (P _n1 ) has 90Z yen and the exchange rate within the funds in the savings account of the customer n1 (P _n1 ) held in the counter bank n. The fee is transferred to the yen ordinary account of the customer n1 ( _Pn1 ) in the multi-currency deposit account of the currency exchange transaction bank. Then, the customer n1 of CHB n (P _n1) is credited a circle 90Z to the savings account of CHB n, payment request information (transfer request information) that want to transfer to a multi-currency deposit accounts, and CFXD The information is transmitted from the computer B ₁ of the counter bank n to the deposit / withdrawal control means 31 of the collective transaction bank server 3 by the information processing network system connecting the counter bank n, and from the deposit / withdrawal control means 31 to the multi-currency deposit processing control means. It is transmitted to 34 counter bank n multi-currency account registration means PLn. In step S122f, the counter bank n multi-currency account registration unit PLn receives the deposit request information (transfer request information), and the counter bank n multi-currency account registration unit PLn receives the 90Z via the customer n1 multi-currency account registration unit MARn1. Yen and exchange fee data are stored in the customer n1 multi-currency account file MAMn1 customer n1 yen account file of the counter bank n multi-currency account database PLMn. Thereafter, in step S124f, the Bostro account management means 33 uses the counter bank n account database VAMn for 90Z yen data via the customer n1 multicurrency account registration means MARn1 of the counter bank n multicurrency account registration means PLn. n of multi-currency account database PLMn customer n1 multi-currency account file MAMn1 is transferred to customer n1 yen account data, 90Z yen of the current account of the bank n is managed by the multi-currency deposit processing control means 34 transfer to a circle account of P _n1), customer _n1 (P n1) is a 90Z circle that has been transferred to circle account of customer _n1 (P n1) that MCDDcontroller 34 management, foreign currency deposits and the Z USD Application for structured deposit, customer n1 (P _n1 ) identification information, currency type information. Foreign currency transaction information of the customer n1 including exchange rate information, deposit period information, and the like is transmitted to the cover transaction / fund operation execution means 35.

(H) In step S13, the cover transaction / fund operation execution means 35 receives the foreign currency transaction information of the customer 11 (P ₁₁ ), the foreign currency transaction information of the customer 21 (P ₂₁ ), and the foreign currency transaction of the customer 31 (P ₃₁ ). Information (...) ..., foreign currency transaction information of customer n1 ( _Pn1 ) is the same once a day or several times, for example twice a day, using the logical structure illustrated in FIG. Of each currency, the same exchange rate, and the same deposit period, between the first country (Japan) and the second country (US) , Cover transactions and funding operations. In the above example, the customer 11 (P ₁₁ ), the customer 21 (P ₂₁ ), and the customer 31 (P ₃₁ ) have the same currency and exchange rate, so if the customer 11 (P ₁₁ ), the customer 21 (P ₂₁ ) If the deposit period of customer 31 (P ₃₁ ) is the same, the foreign currency transactions of customer 11 (P ₁₁ ), customer 21 (P ₂₁ ), and customer 31 (P ₃₁ ) will be put together to cover and fund business The calculation process is executed. For example, if the customer 11 (P ₁₁ ) made a US dollar time deposit with an interest rate of 1%, the bank would manage the funds by purchasing a US Treasury bill with an interest rate of 4%. The bank will be able to acquire interest for the interest of%, but it will perform the necessary processing to remove the interest rate. In this way, the multi-currency deposit processing control means 34 transmits the foreign currency balance data to the cover transaction / fund business execution means 35 once or several times a day. Handle cover transactions and funding operations. Customer 11 (P ₁₁ ), Customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), Customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. When creating foreign currency deposits, customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. 1. A handling currency exchange fee that is negotiated between the counter bank 2, the counter bank 3,. That is, when closing the account on the day, the multi-currency deposit processing control means 34 transmits the foreign currency holding balance data for the day to the cover transaction / fund business execution means 35, and the cover transaction / fund business execution means 35 covers the cover transaction and funds. Process the business and check the exchange fee data. On the other hand, when canceling the foreign currency deposit, the foreign currency deposit to the currency exchange transaction bank server 3 of the counter bank 1, the counter bank 2, the counter bank 3,. At that time, a handling currency exchange fee negotiated between the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n and the exchange collective transaction bank server 3 is generated. Next, this foreign currency deposit is turned into yen and deposited into the multi-currency deposit account. At that time, customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _{1 m} ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. 2. A handling currency exchange fee negotiated between the counter bank 3,... The cover transaction and the fund business transaction scrutiny executed in step S13 are performed during the day. Although not shown in the flowchart of FIG. 6, customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),. Each of P ₃₁ ),... Receives a transaction record together with the transaction completion notification in step S13.

(I) In step S14, the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n each have a shortage of reserve funds in their respective checking accounts (Bostro accounts) as necessary. , 900,000 yen deposited by customer 11 (P ₁₁ ) of counter bank 1, 90X yen deposited by customer 21 (P ₂₁ ) of counter bank 2, 90 Y yen deposited by customer 31 (P ₃₁ ) of counter bank 3, ... (Omitted) ... 90Z million yen deposited by customer n1 (P _n1 ) of counter bank n is exchanged collective transaction bank via deposit and withdrawal control means 31 of Bank of Japan financial network system and exchange collective transaction bank server 3 Transfer to the checking account (Bostro account) of the counter bank 1, the counter bank 2, the counter bank 3,... Then, the counter bank 1 account registration means VA1, the counter bank 2 account registration means VA2, the counter bank 3 account registration means VA3,..., The counter bank n account registration means VAn of the Bostro account management means 33 of the exchange set transaction bank server 3 are: Using the respective deposit data, the corresponding deposit bank 1 account database VAM1, counter bank 2 account database VAM2, counter bank 3 account database VAM3,... Rewrite to the deposit data. As a result, the reserve funds in the checking account (Bostro account) of each of the counter bank 1, the counter bank 2, the counter bank 3,..., And the counter bank n are maintained at a predetermined amount of the reserve funds initially set.

  (J) In the evening of the day when step S121a, step S121b, step S121c,..., Step S121f are executed, in step S15, the counter bank 1 account registration means VA1, the counter of the bistro account management means 33 of the exchange set transaction bank server 3 The bank 2 account registration means VA2, the counter bank 3 account registration means VA3,..., And the counter bank n account registration means VAn respectively store the accounts of the transactions performed on that day with the corresponding counter bank 1 account database VAM1, counter bank 2 Record in the account database VAM2, the counter bank 3 account database VAM3,..., And the counter bank n account database VAMn. The counter bank 1 account database VAM1, the counter bank 2 account database VAM2, the counter bank 3 account database VAM3,..., And the counter bank n account database VAMn each have one transaction account and one transaction for each cover transaction. As described. At the end of the day, the multi-currency deposit processing control means 34 sends the balance data for each bank / deposit period / currency to the cover transaction / fund operation execution means 35, and the cover transaction / fund operation execution means 35 enters the market. Arrange the cover balance and check the spread by this time. For example, if a cover transaction is made for “US $ 1 ¥ 83, 3 months regular, 10 cases”, this transaction is described as one. For example, the current account balance of the counter bank 1 after closing is 9,91 million yen and 10,000 US dollars. The foreign currency deposit of US $ 10,000 is recorded as a liability at the currency collective transaction bank and as an asset at the counter bank 1, and the foreign currency holding balance is recorded in the counterparty account.

(K) The multi-currency deposit processing control means 34 sends the booked electronic message to the Bostro account management means 33 for bookkeeping. The Bostro account management means 33 aggregates and collates the account account data by batch processing at the end of the day, and calculates and records daily interest. The foreign currency interest generated from the exchange-held balance is sent from the Bostro account management means 33 to the cover transaction / fund business execution means 35 at the end of the day. The cover transaction / fund business execution means 35 pays for the cover holding balance in the market. Customer 11 at counter bank 1 (P ₁₁ ), Customer 21 at counter bank 2 (P ₂₁ ), Customer 31 at counter bank 3 (P ₃₁ ),..., Customer n 1 (P _n1 ) at counter bank n Are recorded separately and transmitted to the corresponding computers B ₁ , B ₂ , B ₃ ,..., B _n of the corresponding counter bank 1, counter bank 2, counter bank 3,. Is done. If there is a withdrawal from the yen deposit of the multi-currency deposit account, the multi-currency deposit processing control means 34 uses an XML message as the deposit request message, and the corresponding counter bank 1, counter bank 2, counter bank 3,. bank n computer _{B 1, B 2, B 3} , and transmits ... and B _n. The counter bank 1, the counter bank 2, the counter bank 3,..., And the computers B ₁ , B ₂ , B ₃ ,..., B _{n of} the counter bank n respond after receiving the deposit request message from the multi-currency deposit processing control means 34. The counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n are the corresponding customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ) ,..., Deposit processing is performed on the customer 31 (P ₃₁ ),. The balance of time deposits processed by the multi-currency deposit processing control means 34 is sent to a web-based integrated system that performs various treasury operations such as bonds, foreign exchange, money market, derivatives and risk management the next day. of integrated systems, customer ₁₁ (P 11), the customer ₁₂ (P 12), ..., customer _1m (P 1m), customer ₂₁ (P 21), ..., customer ₃₁ (P 31), posting to the ... account of Therefore, a message may be sent to the Bostro account management means 33, or a cover holding balance in the market may be prepared.

(L) It should be noted that in step S17, calculation processing of work such as deduction of withholding tax of the deposit account is executed by the multi-currency deposit processing control means 34, and the calculation processing result is handled by the currency exchange set transaction bank server 3. Are sent to the computers B ₁ , B ₂ , B ₃ ,..., B _n of the counter bank 1, the counter bank 2, the counter bank 3,. From the report sending means 37 of the exchange set transaction bank server 3, the customer 11 (P ₁₁ ), the customer 12 (P ₁₂ ),..., The customer 1 m (P _1m ), the customer 21 (P ₂₁ ),. P ₃₁ ), transaction report data, operational transaction data, balance report source data, etc. are also stored in the corresponding bank B, window bank 2, window bank 3,. ₁ , B ₂ , B ₃ ,..., B _n , customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),. 31 (P ₃₁ ), ... can be used for the passbook entry and transaction report.

As described above, in the exchange set transaction method according to the embodiment of the present invention exemplified by using the flowcharts of FIGS. 6 to 9, the customer 11 (P ₁₁ ), the customer 12 (P ₁₂ ),... , Customer 1m (P _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),... Personal information about window bank 1, window bank 2, window bank 3,. No transfer is performed from B ₁ , B ₂ , B ₃ ,..., B _n to the exchange set transaction bank server 3. For this reason, the calculation processing in the currency exchange collective transaction bank server 3 includes customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _1m ), customer 21 (P ₂₁ ),. ₃₁ ), the identification information (recognition account number) given by the exchange collective transaction bank server 3 and the counter bank code for identifying the counter bank 1, the counter bank 2, the counter bank 3,. Run to the original. The fund / foreign currency account scrutiny is performed at the counter account of the counter bank 1, the counter bank 2, the counter bank 3,... Window bank 1, window bank 2, window bank 3..., Window bank n and customer 11 (P ₁₁ ), customer 12 (P ₁₂ ), customer 1 m (P _{1 m} ), customer 21 (P ₂₁ ),. , Customer 31 (P ₃₁ ), ... Confirmation of conformity required by the Financial Instruments and Exchange Act, legal document issuance, etc. are as follows: counter bank 1, counter bank 2, counter bank 3,. occurs in n.

  In the exchange set transaction system according to the embodiment of the present invention, the multi-currency deposit processing control means 34 is linked with the cover transaction / fund business execution means 35 that also functions as a foreign currency holding balance management system. The cover transaction / fund transaction execution means 35 and the multi-currency deposit processing control means 34 convert the foreign currency account into the counter bank 1 account database VAM1, the counter bank 2 account database VAM2, the counter bank 3 account database VAM3,. It also plays a role of delivering to the counter bank n account database VAMn. Yen deposits into the counter bank 1 account database VAM1, counter bank 2 account database VAM2, counter bank 3 account database VAM3,..., Counter bank n account database VAMn of the collective transaction bank server 3 are processed by the BOJ RTGS, It is counted as a liability of the collective transaction bank server 3. The profit and loss accounts of the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n are the counter bank 1 account database VAM1, the counter bank 2 account database VAM2, and the counter bank 3 account database VAM3. ..., using the data of the counter bank n account database VAMn, the counter bank 1 account registration means VA1, the counter bank 2 account registration means VA2, the counter bank 3 account registration means VA3,. Registration means VAn performs arithmetic processing.

As described above, according to the exchange set transaction system according to the embodiment of the present invention, the trade name of the exchange set transaction bank (socket-type bank) that owns and operates the exchange set transaction bank server 3 is assigned to the customer 11 (P _11), the customer ₁₂ (P 12), ..., customer _1m (P 1m), customer ₂₁ (P 21), ..., customer ₃₁ (P 31), not issued against ..., only, if they were, CHB 1 , Counter bank 2, counter bank 3,... And bank bank n's own products / services are as follows: counter bank 1, counter bank 2, counter bank 3, ..., counter bank n customer 11 (P ₁₁ ), customer 12 (P ₁₂ ),..., Customer 1 m (P _{1 m} ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),. In the exchange collective transaction system according to the embodiment of the present invention, for example, a service equivalent to a foreign currency deposit service of a global bank with a high foreign currency balance in the market is executed, and the result is obtained as a counter bank 1, a counter bank. 2, the counter bank 3,..., And the counter bank n respectively output to the computers B1, B2, B3,. Bank 1, Counter Bank 2, Counter Bank 3,..., Counter Bank n products are Counter Bank 1, Counter Bank 2, Counter Bank 3,..., Counter Bank n customer 11 (P ₁₁ ), Customer 12 ( P _12), ..., customer _1m (P 1m), customer ₂₁ (P 21), ..., customer ₃₁ (P 31), ... to, possible to enjoy the reliance on service to the strengths and advanced foreign currency operational techniques of foreign currency Is possible That. Furthermore, the highly competitive interest rate and the number of currencies will lead to an improvement in customer share and the presence of each counter bank 1, counter bank 2, counter bank 3,. Here, “foreign currency deposit service” includes liquid deposits / time deposits denominated in foreign currencies, structured deposits involving foreign currencies, and customer deposits 11 (P ₁₁ ), 12 (P ₁₂ ),. _1m ), customer 21 (P ₂₁ ),..., Customer 31 (P ₃₁ ),.

  Moreover, the foreign currency deposit by the exchange set transaction method according to the embodiment of the present invention is a highly profitable product for the counter bank 1, the counter bank 2, the counter bank 3,. Can be shared between the counter bank 1, the counter bank 2, the counter bank 3,..., The counter bank n, and the exchange collective transaction bank having the exchange collective transaction bank server 3. The profit sharing substantially secures foreign currency deposit promotion support to the counter bank 1, the counter bank 2, the counter bank 3,... The foreign currency deposit promotion support may include a counter bank 1, a counter bank 2, a counter bank 3,..., A seminar support for customers at the counter bank n, research information for customers and employees, a study group for employees, and the like. By providing exchange banking, global market-related research information for bank collective bankers to counter bank 1, counter bank 2, counter bank 3, ..., counter bank n, by opening bank 1, counter bank 2, counter It can be expected to increase the added value of bank 3, ..., bank bank n.

(Foreign exchange transaction program)
Operations of the series of exchange set transaction methods shown in FIGS. 6 to 9 can be executed by controlling the exchange set transaction bank server 3 shown in FIG. 1 by a program of an algorithm equivalent to FIGS. This program may be stored in a program storage device (not shown) of a computer system constituting the exchange set transaction bank server 3 of the present invention. The program is stored in a computer-readable recording medium, and the recording medium is read into a program storage device of the exchange set transaction bank server 3 to execute a series of exchange set transaction method operations of the present invention. be able to. Here, the “computer-readable recording medium” means a medium capable of recording a program such as an external memory device of a computer, a semiconductor memory, a magnetic disk, an optical disk, a magneto-optical disk, and a magnetic tape. To do. Specifically, a flexible disk, CD-ROM, MO disk, cassette tape, open reel tape, etc. are included in the “computer-readable recording medium”. For example, the main body of the exchange set transaction bank server 3 can be configured to incorporate or externally connect a flexible disk device (flexible disk drive) and an optical disk device (optical disk drive). Insert a flexible disk into the flexible disk drive, or insert a CD-ROM into the optical disk drive from its insertion slot, and perform a predetermined read operation to exchange programs stored on these recording media. It can be installed in a program storage device that constitutes the transaction bank server 3. Further, by connecting a predetermined drive device, for example, a ROM as a memory device used in a game pack or the like, or a cassette tape as a magnetic tape device can be used. Furthermore, this program can be stored in a program storage device via an information processing network such as the Internet.

(Other embodiments)
As mentioned above, although this invention was described by embodiment of this invention, it should not be understood that the statement and drawing which make a part of this indication limit this invention. From this disclosure, various alternative embodiments, examples and operational techniques will be apparent to those skilled in the art.

  For example, as shown in FIG. 10, Step S123a is provided between Step S122a and Step S124a shown in FIG. 6, and in Step S123a, the Bostro account management means 33 provided in the currency exchange transaction bank server 3 is Check whether the first counter bank (counter bank 1) account database VAM1 provided as the Bostro account database stores data on the amount of currency in the first country equivalent to foreign currency deposits (yen) It may be.

  That is, in the process according to the flowchart illustrated in FIGS. 10 to 13, the balance confirmation unit 331 of the Bostro account management unit 33 of the exchange set transaction bank server 3 stores the foreign currency deposit in the counter bank 1 account database VAM1 in step S123a. A procedure for checking whether or not there is an equivalent amount of data for 900,000 yen (to make this 900,000 yen 10,000 US dollars later) is added.

In the flowchart illustrated in FIG. 10, it is behind the panel of step S12a, but as shown in step S12b of FIG. 11, the customer 21 (P ₂₁ ) of the counter bank 2 is X US dollars (= 90X yen). Even if it is desired to make a time deposit, the counter bank 2 multi-currency account registration means PL2 receives the deposit request information in step S122b, and through the customer 21 multi-currency account registration means MAR21, the data of 90X yen and the exchange fee Is stored in the customer 21 yen account file of the customer 21 multi-currency account file MAM21 of the counter bank 2 multi-currency account database PLM2, and then the balance confirmation means 331 of the Bostro account management means 33 of the exchange collective transaction bank server 3 In S123b, the counter bank 2 account database VAM2 stores 90X yen data equivalent to the foreign currency deposit. After that, in step S124b, the Bostro account management means 33 obtains 90X yen data of the counter bank 2 account database VAM2 and stores 21 customers of the counter bank 2 multi-currency account registration means PL2. Via the currency account registration means MAR21, the customer 21 multi-currency account database PLM2 of the counter bank 2 is transferred to the customer 21 multi-currency account file MAM21 data of the customer 21 yen account, and the current account of 90X Yen of the counter bank 2 is converted into the multi-currency deposit It can be transferred to the yen account of the customer 21 (P ₂₁ ) managed by the processing control means 34.

Furthermore, in the flowchart illustrated in FIG. 10, although it cannot be seen behind the panel of step S12 a, as shown in step S12 c of FIG. 12, the customer 31 (P ₃₁ ) of the counter bank 3 is Y US dollars (= 90 Y yen). ), The counter bank 3 multi-currency account registration means PL3 (not shown) receives the payment request information in step S122c, and the customer 31 multi-currency account registration means MAR31 (not shown). After the 90Y yen and the exchange fee data are stored in the customer 31 multi-currency account file MAM31 (not shown) of the customer bank 3 multi-currency account database PLM3 (not shown), the exchange set is stored. In step S123c, the balance confirmation unit 331 of the Bostro account management unit 33 of the house bank server 3 determines the bank 3 account. It is confirmed whether or not the database VAM3 (not shown) has data equivalent to 90 Y yen equivalent to the foreign currency deposit, and then, in step S124c, the Bostro account management means 33 stores the counter bank 3 account database VAM3 (not shown). 90 Y Yen data is sent to the customer of the counter bank 3 multi-currency account database PLM3 (not shown) via the customer 31 multi-currency account registration means MAR31 (not shown) of the counter bank 3 multi-currency account registration means PL3 (not shown). 31 is transferred to the customer 31 yen account data in the multi-currency account file MAM31 (not shown), and the 90Y yen of the checking account of the counter bank 3 is transferred to the customer 31 (P ₃₁ ) managed by the multi-currency deposit processing control means 34. transfer to a circle account, customer 31 (P ₃₁₎ is, in a circular account of customer 31 MCDDcontroller 34 management (P ₃₁₎ In Toggles was 90Y circle, to be to the application of foreign currency deposits and structured deposits of Y US dollar, even if the CHB n of customer _n1 (P n1) is wanted on a regular deposit of 90Z circle, window The bank n multi-currency account registration means PLn receives the deposit request information in step S122f, and the customer's n1 multi-currency account registration means MARn1 sends the 90Z yen and the exchange fee data to the counter bank n multi-currency account database PLMn. After storing in the customer n1 yen account file of the customer n1 multi-currency account file MAMn1, the balance confirmation means 331 of the bistro account management means 33 of the exchange set transaction bank server 3 is stored in the counter bank n account database VAMn in step S123f. Check whether there is data for 90Z yen equivalent to the foreign currency deposit, and then post In step S124f, the account management means 33 sends the 90Z yen data of the counter bank n account database VAMn via the customer n1 multicurrency account registration means MARn1 of the counter bank n multicurrency account registration means PLn. Customer n1 in account database PLMn Transfers data to customer n1 yen account data in MAMn1 client n1 (P _n1 ) managed by multicurrency deposit processing control means 34 for current account at bank n The customer n1 (P _n1 ) is 90Z yen transferred to the yen account of the customer n1 (P _n1 ) managed by the multi-currency deposit processing control means 34, and the customer's n1 (P _n1 ) It is also possible to make a procedure for applying.

  As described above, the flowcharts illustrated in FIG. 6 to FIG. 9 are merely examples, and various other operation / transaction methods including the modification examples illustrated in FIG. 10 to FIG. 13 can be realized. . Further, the series of exchange set transaction method operations shown in FIGS. 6 to 9 can be executed by controlling the exchange set transaction bank server 3 shown in FIG. 1 by a program of an algorithm equivalent to FIGS. 10, the series of exchange set transaction method operations shown in FIGS. 10 to 13 are controlled by the exchange set transaction bank server 3 shown in FIG. Can be executed.

  In particular, in the description of the embodiment of the present invention described above, the case where the exchange set transaction bank server 3 of the exchange set transaction system is installed in Japan and is mainly exemplified for Japanese regional banks is described. However, this is merely an example for convenience of explanation, and the exchange set transaction system proposed by the present invention can of course be used in other countries other than Japan. The above-described exchange set transaction system according to the embodiment of the present invention, the exchange set transaction bank server used for this exchange set transaction system, and the scheme and technical idea of the exchange set transaction method are applied to foreign currency deposits in other countries. In such a case, “Japan” in the above description may be replaced with the name of the country of the other country, and the distribution currency (official currency) of that country or a change in accordance with the circumstances of the financial world may be added as appropriate. In addition, even when Japanese regional banks are mainly targeted, the exchange set transaction bank server 3 of the exchange set transaction system according to the embodiment of the present invention is physically installed in Japan. There is no need to

  As described above, the present invention naturally includes various embodiments not described herein. Therefore, the technical scope of the present invention is defined only by the invention specifying matters according to the scope of claims reasonable from the above description.

3 ... Exchange transaction bank server 31 ... Deposit / withdrawal control means 32 ... Exchange rate acquisition means 33 ... Bostro account management means 34 ... Multi-currency deposit processing control means 35 ... Cover transaction / fund business execution means 36 ... Transaction instruction receiving means 37 ... Report transmission means 38 ... Exchange transaction recording means 331 ... Balance confirmation means 340 ... Fee calculation means 351 ... Transaction timing determination means 352 ... Foreign currency transaction information storage device 353 ... Same currency transaction classification means 354a ... First same currency transaction storage device 354b ... Second same currency transaction storage device 354c ... Third same currency transaction storage device 355a ... First same rate transaction classification means 355b ... Second same rate transaction classification means 355c ... Third same rate transaction classification means 356a ... 1st same exchange rate transaction storage device 356b ... 2nd same exchange rate transaction storage 356c ... third identical exchange rate transaction storage device 356d ... fourth identical exchange rate transaction storage device 356e ... fifth identical exchange rate transaction storage device 356f ... sixth identical exchange rate transaction storage device 357a ... first Same Period Transaction Classifying Unit 357b ... Second Same Period Transaction Classifying Unit 357c ... Third Same Period Transaction Classifying Unit 357d ... Fourth Same Period Transaction Classifying Unit 357e ... Fifth Same Period Transaction Classifying Unit 357f ... Sixth Same period transaction classification means 358a ... 1st same transaction execution means 358b ... 2nd same transaction execution means 358c ... 3rd same transaction execution means 358d ... 4th same transaction execution means 358e ... 5th same transaction execution means 358f ... Sixth same transaction execution means 359 ... Funding business calculation means

Claims (11)

The first country's distribution currency and foreign currency equivalent to the foreign currency deposit amount defined by the currency unit of the second country's distribution currency in the ordinary account of the distribution currency of the first country held by the customer at the first window bank A step of receiving transfer information that the fee has been transferred by a first bank multi-currency account registration means provided in the multi-currency deposit processing control means provided in the currency exchange transaction bank server;
The Bostro account management means stores data on the amount of the currency in the first country of the first window bank account database in the first window bank multi-currency account database via the multi-currency deposit processing control means. Transferring to the customer's first country distribution currency account data;
In consideration of the exchange rate defined by the currency unit of the distribution currency of the first country and the currency unit of the distribution currency of the second country, the first of the customer of the first counter bank multi-currency account database Rewriting the data on the amount of the national circulation currency account with the amount of data on the distribution currency account of the second country of the customer in the first counter bank multi-currency account database;
In conjunction with the rewriting step, the cover transaction / fund business execution means provided in the exchange collective transaction bank server is the amount of the currency account in the second country between the first country and the second country. Including the step of performing a cover transaction and funding operation calculation process, so that the currency exchange transaction bank server can convert the second country's distribution currency from the currency unit of the first country's distribution currency. An exchange set transaction method characterized by performing an arithmetic processing necessary for foreign currency transactions to a currency unit.   If there is a foreign currency transaction of another customer of the same currency, the same exchange rate and the same deposit period as the foreign currency transaction of the customer within a predetermined time, the cover transaction / fund operation execution means The exchange collective transaction method according to claim 1, wherein the step of performing the operation calculation process is performed by collecting the same exchange rate, the same deposit period, and foreign currency transactions in the same currency.   The plurality of window banks, including the first window bank, store the currency of the first country's circulation currency in the plurality of window bank account databases individually provided in the exchange set transaction bank server as the respective Bostro account databases. 3. The method according to claim 1, further comprising a step of storing, in a unit, data of a predetermined amount of reserve funds in advance through the Bostro account management unit, respectively. Currency exchange trading method.   4. The method according to claim 3, further comprising the step of the plurality of window banks transmitting the shortage data of the reserve funds from the computers of the plurality of window banks to the respective Bostro account databases. Currency exchange trading method.   5. The exchange set transaction method according to claim 4, further comprising a step of recording the account of foreign currency transactions performed on the same day in the Bostro account database in the Bostro account database of each counter bank. A plurality of counter bank accounts provided by a plurality of counter banks as respective Bostro account databases in order to store a predetermined amount of reserve fund data in advance,
Bostro account management means for managing data stored in the plurality of counter bank account databases;
A plurality of currency amount data including a distribution currency amount data of a first country and a distribution currency amount data of a second country different from the first country are arranged for each customer and a plurality of contact points. A plurality of window bank multi-currency account databases that the bank has separately from each other;
A plurality of counter bank multi-currency account databases are independently managed, and data on the amount of currency in the first country in the specific counter bank account database is stored in a specific counter via the Bostro account management means. Transfer to the first country's distribution currency account data of a specific customer in the bank multi-currency account database, and further defined by the currency unit of the distribution currency of the first country and the currency unit of the distribution currency of the second country In consideration of the exchange rate, the amount data of the distribution currency account in the first country of the specific customer of the specific counter bank multi-currency account database is converted into the specific data of the specific counter-bank multi-currency account database. A multi-currency deposit processing control means for rewriting the customer's second country distribution currency account amount data;
In conjunction with the rewriting step, cover transaction / fund operation execution is performed between the first country and the second country to perform cover transaction and fund operation calculation processing equivalent to the amount of the circulation currency account of the second country. The currency exchange is characterized in that it performs a calculation process necessary for foreign currency transactions from the currency unit of the circulation currency of the first country of the specific customer to the currency unit of the circulation currency of the second country. Collective transaction server.   If there is a foreign currency transaction of another customer of the same currency with the same exchange rate and the same deposit period as the foreign currency transaction of the specific customer within the predetermined time, the cover transaction / fund business execution means The exchange set transaction server according to claim 6, wherein the exchange transaction is performed by collecting rates, the same deposit period, and foreign currency transactions in the same currency, and performing calculation processing of the cover transaction and funding business.   From a computer provided in each of the plurality of window banks, the Bostro account management means stores a predetermined amount of reserve fund data in advance in the plurality of window bank account databases in the currency unit of the circulation currency of the first country. The exchange set transaction server according to claim 6 or 7, wherein data necessary for storage is transmitted.   9. The exchange set transaction server according to claim 8, wherein data of a shortage of the reserve fund is transmitted from each of the computers provided in the plurality of window banks to each of the Bostro account databases.   10. The exchange set transaction server according to claim 9, wherein the bistro account management means records a foreign currency transaction account made on that day in the bistro account database of each counter bank. The first country's distribution currency and foreign currency equivalent to the foreign currency deposit amount defined by the currency unit of the second country's distribution currency in the ordinary account of the distribution currency of the first country held by the customer at the first window bank A step of receiving transfer information that the fee has been transferred by a first bank multi-currency account registration means provided in the multi-currency deposit processing control means provided in the currency exchange transaction bank server;
The Bostro account management means stores data on the amount of the currency in the first country of the first window bank account database in the first window bank multi-currency account database via the multi-currency deposit processing control means. Transferring to the customer's first country distribution currency account data;
In consideration of the exchange rate defined by the currency unit of the distribution currency of the first country and the currency unit of the distribution currency of the second country, the first of the customer of the first counter bank multi-currency account database Rewriting the data on the amount of the national circulation currency account with the amount of data on the distribution currency account of the second country of the customer in the first counter bank multi-currency account database;
In conjunction with the rewriting step, the cover transaction / fund business execution means provided in the exchange collective transaction bank server is the amount of the currency account in the second country between the first country and the second country. Performing a procedure including a calculation process for cover transactions and funding operations on the exchange collective transaction bank server, so that the second country can be converted from the currency unit of the distribution currency of the first country of the customer. An exchange set transaction program, which causes the exchange set transaction bank server to perform calculation processing necessary for foreign currency transactions to a currency unit of the distribution currency.

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