JP5924826B2 - Financial institution base cash flow system and method thereof - Google Patents

Description

  The present invention relates to an inter-site cash flow system and an inter-base cash flow method in a financial institution, and more particularly, to an inter-base cash flow system and an inter-base cash flow method across overseas bases of a financial institution.

  Conventionally, a pooling system is known in which funds are exchanged between group companies. Pooling refers to concentrating the cash flow of each group company in a master account (pooling account) opened at a bank, and allows funds to be exchanged between group companies. Therefore, a pooling system that aims to improve the efficiency of fund management in pooling and reduce commission costs is disclosed.

  For example, in the system described in Patent Document 1, the totaling amount of each account file of the participating companies is counted by the counting means, and based on the transfer instruction by the transfer instruction means, the transfer effective means is transferred from the account file of the managing company A. The transfer corresponding to the balance sum is executed on the account files of the participating companies B and C. As a result, the balance of the account of the managing company A will eventually be red or black, and the operation procurement requesting means will ask the financial institution D to make a loan if the account is red, and vice versa. If there is a black balance, request that surplus funds be used. As a result, the purpose is to easily lend and borrow funds between the companies in the group, and to reduce the fee cost required to execute the service.

  Further, in the system described in Patent Document 2, a bank account fund transfer support device sets a centralized account set for one of the same bank accounts and an account other than the central bank account. By generating fund transfer information for transferring funds with the set general account, the funds of the general account are concentrated in the bank's centralized account. In this way, fund transfer information is generated for transferring funds between a centralized account concentrated for each bank and a pooling account set for one of the accounts of the user. The purpose of this is to reduce the fees of financial institutions.

JP 2000-029970 A Japanese Patent Laid-Open No. 2006-243796

  The systems disclosed in Patent Documents 1 and 2 are systems that stand on the side of a company that uses a pooling service provided by a financial institution, but the pooling system is also used for cash flow inside the financial institution. In particular, banks with multiple bases overseas are prepared for the exchange of funds between bank bases in preparation for the transfer of funds to customers. However, the current situation is that this kind of interchange of funds is mainly carried out by manual processing. In addition, due to the recent extended service for accepting remittances overseas to improve customer service, funds are transferred to customer accounts after the completion of operations at each bank location, affecting the management of cash flow between each location. It was. In this way, with the globalization of customers, sophistication of settlement infrastructure in overseas transactions is also required within banks. In particular, in order to improve customer convenience, there is a need for a system that automatically adjusts the cash flow between financial institution bases, including pooling, at night, etc., even after the end of the online business on that day.

  Therefore, in the present invention, in view of the above-described problems, the excess or deficiency of funds associated with the transfer of funds in a customer account after the completion of operations at each overseas base of the financial institution is automatically transferred between the bases of the financial institution that automatically accommodates the currency for each base. The purpose is to build a cash flow system.

  In order to solve the above problems, the inter-site cash flow system and the inter-base cash flow method of the present invention provide the following solution.

In the first aspect of the present invention, the inter-site cash flow system for adjusting the cash flow between the financial institution bases, so that the account balance at the end of the business hours of each base is zero or a predetermined balance, After the base closing process is completed after the end of the business hours of the base closing processing unit that instructs the operation of funds or the transfer of funds for procurement and performs base closing processing and the currency concentration base that is determined for each currency and concentrates the funds of the currency Surplus funds concentration unit for concentrating surplus funds for each of the bases in the account of the currency concentration base, and after the processing of the surplus fund concentration unit, the cash flow accompanying the transfer of funds after the end of the business hours of each base a of our port between locations account balance is automatically adjusted to be zero or the predetermined balance lease transaction interlocking part, the inter-base financing system own base of the financial institution is within business hours, The amount of funds transfer that occurred when base is after the end of the business hours, so as not to overlap with the amount of the automatic adjustment, characterized in that exclude from the funds of the investment or procurement.

  In addition, the inter-site cash flow system may include a pooling engine that concentrates surplus funds of the customer account in a central account for each currency designated by the customer.

  In addition, in the inter-site cash flow system, net position management for managing and summing up the details of individual transactions and managing the net cash position for each base after automatic adjustment based on the totaled details. A screen may be generated.

  In addition, the pooling engine may include an interest processing unit that determines a starting date for calculating interest in each country in accordance with a process of completing the deposit of the depositing account in the fund transfer across the dates of each country. Good.

  In addition, the inter-site cash flow system includes an accounting system linkage base that mediates between an accounting system in a financial institution, an exchange rate management system, a related system including a remittance system, and the pooling engine. Also good.

In the second aspect of the present invention, the inter-site cash flow method for adjusting the cash flow between the bases of financial institutions, so that the account balance at the end of the business hours of each base is zero or a predetermined balance, After the base tightening process, the base tightening processing stage for instructing the use of funds or transferring funds for procurement and performing the base tightening process, and after the end of the business hours of the currency concentration base that is determined for each currency and concentrates the funds in the currency. After the surplus funds concentration stage for concentrating surplus funds for each base in the account of the currency concentration base and the processing of the surplus funds concentration stage, the cash flow associated with the transfer of funds after the end of the business hours of each base is And the inter-site leasing transaction interlocking stage that automatically adjusts so that the account balance of the bank account becomes zero or the predetermined balance, and the inter- site financing method is such that the base of the financial institution is within business hours. , The amount of funds transfer that occurred when base is after the end of the business hours, so as not to overlap with the amount of the automatic adjustment, characterized in that exclude from the funds of the investment or procurement.

  According to the present invention, it is possible to construct an inter-site cash flow system that automatically accommodates excess and deficiency of funds associated with the transfer of funds after completion of operations at each overseas base of a financial institution for each base currency.

It is a figure which shows the basic concept of the automatic fund interchange between the bases of a bank. It is a figure (continuation) which shows the basic concept of the automatic fund interchange between the bases of a bank. It is a figure which shows the specific example of the bank account of the cash flow status of each base. It is a figure which shows the function structure of the pooling engine in the fund raising system between bases which concerns on embodiment of this invention. It is a figure which shows the function structure of the cooperation infrastructure of the cash flow system between bases which concerns on embodiment of this invention. It is a figure which shows the specific example of grasping | ascertaining of the cash flow regarding a closing transaction. It is a figure which shows the specific example of the day straddle process accompanying operation time expansion. It is a figure which shows the specific example of the adjustment method of a fund position. It is a figure which shows the specific example (continuation) of the adjustment method of a fund position. It is a figure which shows the specific example of management of the amount of movement after a conclusion. It is a figure which shows the specific example of centralized monitoring of a balance.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

(Basic concept)
FIG. 1 and FIG. 2 are diagrams showing the basic concept of automatic funds interchange between bank bases (linked to inter-base lease transactions). “Inter-site leasing transaction linkage” refers to an automatic financing function for cash flow associated with the transfer of funds between bases after the deadline of funds at each overseas base of a financial institution (hereinafter referred to as a bank). As shown in FIG. 1, the system according to the embodiment of the present invention performs the following processing.

  First, in the first stage (base closing processing stage; step S1), at the end of the business hours of the bases in each country of the bank (base closes), the accounts at each base in the bank (accounts at each base are managed). Process to adjust the account balance. At this time, the portion excluding the transaction after the closing of the previously closed base is adjusted. Specifically, the excess or deficient funds will be used or managed from other sites (other sites or other banks) so that the account balance at that site at the time of closing of each site will be zero or a predetermined balance. To procure. The reason why the account balance of the account at the time of closing each base is zero is to avoid leaving funds that cannot be managed at each base. Predetermined balance refers to the case where the account balance at the base closing time cannot be reduced to zero depending on the situation (for example, when there is a payment just before the closing time and the processing is not in time, or the operation or procurement source of funds is This is the amount left in the base account when it was not found at the time of base closing.

  Next, in a second stage (surplus fund concentration stage; step S2), surplus funds for each base are concentrated in an account of a currency concentration base described later. The concentration of the surplus funds is determined for each currency and is performed after the end of the business hours of the currency concentration base where the funds of the currency are concentrated.

  Next, in a third stage (pooling stage: step S3), surplus funds in the account of the customer with the pooling contract are concentrated in a general account designated by the customer for each currency. Note that the third stage may be performed at the same timing as the surplus fund concentration stage (second stage) between bases that occurs other than pooling.

  Note that the concentration of surplus funds in the second stage and the third stage is not necessarily performed all at once, and may be performed in multiple stages. In order to sort out the date straddling process that occurs because dates differ depending on the country or region, the funds are once concentrated in regions close to the closing time, for example, bases in Asia, Europe, etc., and then the final currency You may make it concentrate on the area of concentration (the United States if it is USD).

  Then, in the fourth stage (intermediate leasing transaction interlocking stage; step S4), the cash flow is automatically adjusted at the currency concentration base in order to close the financial position with an amount that takes into account the funds transfer after the closing of each base. This process is referred to as “inter-site rental transaction linkage”. By these processes, excess and deficiency of funds associated with the transfer of funds in the account or customer account after the end of business at each base can be automatically accommodated for each base currency. In addition, surplus funds can be utilized to the maximum.

  In addition, “financial position” or simply “position” generally refers to what “buy (oversale)” or “sell (oversell)” by investors or dealers in market transactions. In the following, it refers to information indicating whether there are more payments or receipts at each site, as seen from the treasury staff (financial / fund managers) at each site.

  For example, as shown in FIG. 2, for example, as shown in FIG. 2, in the customer's account, the currency from the bank's SNG branch (Singapore branch) to the bank's TKY head office (Tokyo head office) is set to USD (US dollars). Money transfer occurs even after the end of business. As a result of the transfer of funds, the customer account of the SNG branch is negative (indicated by “▲”), and the TKY head office is positive (indicated by “+”). In addition, with regard to inter-site leasing transaction linkage, as a result of the above-mentioned transfer of customer account funds, when the closing of the TKY head office after the end of business, the positive portion of the funds from the TKY headquarters account is NYC's currency management store. Automatically accompanies branch accounts (New York branch). On the other hand, the funds from the NYC branch are automatically accommodated to the SNG branch that is negative when the base is closed. As a result of this automatic loan, the account balance at the time of closing of each base will be zero (hereinafter simply referred to as “account balance” means the account balance at the account). “Currency concentration base” refers to a base that is determined for each currency in the bank and that centralizes and manages the currency.

  FIG. 3 is a diagram showing a specific example of the bank account of the cash flow status of each base. In this figure, as an example, it is a pooling case of USD currency, and the case where the parent base of a certain customer account is the SNG base and the child bases of the customer account are TKY (Tokyo) and HKG (Hong Kong) is shown. . Now, during the business hours of the TKY site (hereinafter referred to as “Taiuchi”), $ 100 is transferred from the TKY site (child account) to the SNG site (parent account), and then the TKY business time ends. And At this time, the account of TKY is minus $ 100, but since $ 100 is procured from NYC, the account balance becomes zero at the time of closing TKY. On the other hand, it is assumed that $ 200 is transferred from HKG to SNG, and at this time, the account balance of SNG is $ 300, including $ 100 from TKY.

  Next, if the remittance service for remittance is followed by a remittance time extension service from TKY to SNG for $ 200, the SNG account balance will be $ 300 to $ 500. , TKY's account balance goes from 0 to minus $ 200 again. This remittance of $ 200 from TKY to SNG is a process after the closing of other bases (TKY) and is considered to be subject to post-adjustment linked to inter-base leasing transactions. Since the site is within the scope of the base, it will not be subject to ex-post adjustment and will not be included in operating or procurement funds. That is, at the time of closing SNG, in this case, $ 200 from TKY out of $ 500 of the account balance is excluded (subtracted) and the remaining plus $ 300 is put into operation. The account balance of HKG is minus $ 200 at this time, but when the HKG is closed, the insufficient $ 200 is procured from NYC, and the account balance becomes zero.

  By doing so, the net fund position accompanying the transfer of funds between the bases after the closing is always zero as a whole, and external liquidity risk can be reduced. If the above deductions are not made, a potential liquidity risk is generated at the currency concentration base. In other words, by introducing a mechanism that can determine whether the destination site and destination site in the remittance between pools, including pooling, can be determined, the cash-in-charge person at the site can be determined not only at its own site but also at the other site. After the closing of the transaction, you will be able to raise funds by deducting transactions. In addition, by conducting such cash flow, the net financial position of the financial institution as a whole is maintained at zero, preventing external liquidity risk and making secure settlement even after closing the base. be able to.

Then, after the business hours of HKG and SNG are over, if the remittance is further transferred from HKG to $ 100 and TKY to $ 300, SNG's account balance is $ 200 (account balance to NYC ) + $ 100 (remittance from HKG) + $ 300 (remittance from TKY) = $ 600. At this time (when HKG and SNG are closed), the account balance of HKG is minus $ 100, and the account balance of TKY is minus $ 500. However, since the inter-site rental transaction linkage after the operation of each base described above is activated and funds for each minus amount are automatically accommodated by NYC, the account balances at each base are all zero. At this time, the details of the loan at each base after the inter-base lease transaction is linked are as follows.

  At this point, the treasury at each site will close the account with zero balance at the account at the end of business hours. In addition, this time, we will adjust the account balances at each site in conjunction with the leasing between sites, taking into account the closing transactions. For example, in the case of the above-mentioned SNG base, $ 500 is the final balance at the time of closing the funds, but the inter-base rental transaction interlocking part ($ 200) is deducted, and the operating amount to NYC is $ 300.

(Functional configuration)
FIG. 4 is a diagram showing a functional configuration of the pooling engine 100 in the inter-site cash flow system 10 according to the embodiment of the present invention. The inter-site cash flow system 10 according to the present embodiment includes a pooling engine 100 and a billing system linkage base 200 in a bank system. Further, as illustrated, the pooling engine 100 includes, as an example, a master management unit 101, a reporting unit 102, a risk management support unit 103, an exchange management unit 104, a fund transfer management unit 105, a fee calculation / collection unit 106, a deposit interest It comprises a calculation / payment / payment unit 107 and an account balance management unit 108.

  The master management unit 101 receives various settings such as a pooling rule that defines the details of pooling for each customer from a predetermined management terminal (referred to as a user terminal 301 in the figure) in the bank system. In addition, the master management unit 101 determines whether the account is an overdraft frame (overdraft frame) for the customer, other contract information, holidays in the country where each base is located, whether it is a target account for STP (Straight Through Processing), If so, the master data defining the conditions is managed. Overdraft means that a bank overdraft is a check, etc., that is drawn to the current account trader in excess of the current account balance of the customer within a certain amount and time limit. Is to make a payment. STP is a manual process by automatically linking a series of processes from transaction execution to verification, checkout, and settlement in a standardized message format (message format) between related systems. It is to process seamlessly as a flow of electronic information.

  More specifically, the master management unit 101 receives master data necessary for the related system from the common master table 302 that stores various types of master data in the related system 300 via the account system linkage platform 200. In addition, customer data and the like are received from the customer service system 303, which is a system for customers, and stored in storage means such as a customer database. The accounting system linkage base 200 will be described with reference to the following diagram.

  The reporting unit 102 manages the detailed data of the fund transfer for each base and for each currency, and generates report data for fund management for the consulting system 303 and the in-line internal management system 308. Specifically, the fee calculation result is acquired from the fee calculation / collection unit 106, which will be described later, the interest calculation result is acquired from the deposit interest calculation / payment unit 107, and the transaction result data is transmitted to customers such as Internet banking. It is transmitted to the customer service system 303 which is a system. The transaction result data transmitted to the customer is also transmitted to the in-row internal management system 308 in the related system 300.

  The risk management support unit 103 performs risk management related to liquidity risk and cash flow. Specifically, risk management measurement data (account balance of customer account and transaction status data) is generated and transmitted to the risk management system 304 of the related system 300.

  The exchange management unit 104 manages exchange rates between currencies. The exchange management unit 104 receives the exchange rate from the market system 305 (including the exchange rate management system) of the related system 300 and transmits the fund position to the market system 305.

  The fund transfer management unit 105 instructs the transfer of funds between the customer account and the bank account. That is, when the fund transfer instruction information is transmitted from the remittance system 306 of the related system 300 in the bank and the result of the fund transfer is received, the result of the fund transfer is delivered to the account balance management unit 108 and the account balance as a result is obtained. To do. The fund transfer management unit 105 has the following three functions depending on the type of fund transfer.

  That is, the base closing processing unit that instructs the operation of funds or the transfer of funds for procurement and performs base closing processing so that the account balance at the end of business hours at each base is zero or the predetermined balance, and for each currency The surplus funds concentration department that concentrates the surplus funds in the customer account balance of each base after the base closing process to the customer's central account after the end of the business hours of the currency concentration base that concentrates the funds of the currency After the processing of the centralized department, it is equipped with an inter-base leasing transaction interlocking section that automatically adjusts the cash flow accompanying the transfer of funds after the end of business hours at each base so that the account balance at each base is zero or a predetermined balance ing. The money transfer management unit 105 will be described in more detail with a specific example described later.

  The fee calculation / collection unit 106 calculates a fee based on the amount and the number of times of money transfer of the customer account in the pooling service, and collects it from the customer account. Further, the deposit interest calculation / payment unit 107 (or simply referred to as “interest processing unit”) calculates the deposit interest of the customer account and performs payment to the customer account. The deposit interest calculation / payment / payment unit 107 determines the date of calculation for interest calculation in each country in accordance with the processing of the completion of payment in the deposit-side account in the fund transfer across the dates in each country. This day-to-day interest processing will be described in a specific example described later.

  The account balance management unit 108 manages the balance of the account. That is, if the target account is an account within the bank, the account balance management unit 108 transmits a balance inquiry to the account system 307 such as the host computer of the related system 300 and receives the balance result. If the target account is an account of another bank, a balance inquiry is transmitted to the other bank system 400, and the deposit balance of the account is received. Further, the result of the funds transfer is transferred to the reporting unit 102, the fee calculation / collection unit 106, and the deposit interest calculation / payment unit 107. The account balance management unit 108 includes various databases (not shown) for managing account transactions. Specifically, as will be described later, the details management DB 110 for summarizing individual transactions and summarizing them, the contract management DB 120 for generating and managing contracts linked to inter-site rental transactions, managing account balances, and summing up The account balance management DB 130 may be provided.

  FIG. 5 is a diagram showing a functional configuration of the account system linkage base 200 in the inter-site cash flow system 10 according to the embodiment of the present invention. The accounting system linkage platform 200 has an intermediary function for linking the pooling engine 100 with the related system 300 in the bank. The account linkage platform 200 is divided into a message linkage unit 220 and a linkage platform connection unit 230. The message linkage unit 220 includes a routing unit 201, a standard format unit 202, a format as an example of a functional configuration as illustrated in FIG. A conversion unit 203, a format confirmation unit 204, a flow management unit 205, a status management unit 206, an automatic distribution unit 207, and the like.

  The message linkage unit 220 is located between the pooling engine 100 and the related system 300 described in the previous figure, and transmits / receives data such as a fund transfer instruction, a balance inquiry, a fund position / exchange rate inquiry, risk measurement data, a master inquiry, and the like. And performs message management and message conversion processing with each system of the related system 300.

  More specifically, the message linkage unit 220 includes a routing unit 201 that determines a message path, a standard format unit 202 that stores and manages a standard format of a SWIFT (Society for Worldwide Interbank Financial Telecommunication) message, and a bank from the SWIFT standard format. A format conversion unit 203 that performs conversion into a format that can be captured by each system in the system or vice versa, and a format confirmation unit that confirms the contents of the received message and the format of the message converted by the format conversion unit 203 204, a flow management unit 205 that manages the approval flow in the row, a status management unit 206 that manages the actual message flow and message status, and automatic transmission of messages from the destination base to the currency concentration base and the destination base Functions such as automatic distribution unit 207 Is provided.

  As a specific example of the transmission flow of a message, for example, a case where USD currency is transferred from an HKG sender to an SNG recipient will be described. At the HKG base that is the destination store that received the remittance request from the remittance customer, confirm the remittance contents and suspected money laundering, and create a customer account transfer message (MT103; Message Type103) To do. At this time, an interbank fund transfer message (referred to as “MT202cov”) for the NY base, which is a currency concentration base (also referred to as a cover base), including information on the remittance details is also created. The confirmation of money laundering is also performed each time a telegram is received at each site.

  The automatic distribution unit 207 transmits the MT 103 to the destination store (SNG base), and transmits MT 202cov to the currency concentration base (NYC base). At the NYC base, the receipt of MT202cov is confirmed, and the account book is transferred from the HKG account to the SNG account. At this time, a confirmation message (MT910: Confirmation of Credit and MT950: Statement Message) is created and transmitted to the SNG base. At the SNG base, the receipt of MT 103 and MT 910/950 is confirmed, and the account book is entered into the customer account of the recipient.

  The functional configuration of the system described above is merely an example, and one functional block (database and function processing unit) may be divided or a plurality of functional blocks may be configured as one functional block. In each function processing unit, a CPU (Central Processing Unit) built in the apparatus reads a computer program stored in a storage medium such as a ROM (Read Only Memory) or a hard disk or a CD-ROM, and is executed by the CPU. Realized by a computer program. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

  FIG. 6 is a diagram illustrating a specific example of grasping the cash flow related to the post-contracting transaction. This figure shows a case where a customer is a financial management company of SNG as a specific example. In the following, a description will be given of a process for making a subsequent adjustment for a cash flow gap at the time of closing each base caused by a transaction between bases (pooling, remittance) in the post-closing time zone in conjunction with inter-site leasing of this system. In the following, for simplicity of explanation, it is assumed that the balance between the account and the customer account corresponds one-to-one.

  In TKY (Tokyo), the base was closed at 15:30 JST (Japan time) (1:30 EST), and at that time, +20 USD for repatriated payments and other transactions. Together with +30 USD, which is the amount, TKY's weapon account balance is +50 USD, but when closing the base, this +50 USD is recorded as operating funds within the base, and the account balance is set to 0 USD (conversely, the account balance in the mouth is 0 USD) If it is negative, the shortage will be procured). Next, when the base of SNG (Singapore) is closed (18:00 in Japan time, 4:00 in US time), SNG deducts ▲ 20 USD of remittances within the business hours from the account balance +50 USD. The account balance is +30 USD, but the operating funds for closing the base are also recorded and the account balance is set to 0 USD. On the other hand, in NYC (New York), which is a currency concentration base of USD, the account balance is +80 USD, plus +20 USD for the remittance to be sent, and when the NYC base closes (17:00 US time, 7: the next morning of Japan time: 00), the account balance will be +100 USD, but this +100 USD will be recorded as the operating funds for closing the base, and the account balance will be deducted to 0 USD.

  Next, when closing the NYC, which is a currency concentration base, the pooling function is activated, and the surplus funds of the customer account are concentrated on the SNG, which is the general base of the customer's USD currency, so that 50USD from NY and 100USD from NY to SNG. Transfer funds. As a result of the pooling process in the customer account, the bank account balance corresponding to the bank is ▲ 50 USD for TKY, ▲ 100 USD for NYC, and +150 USD for SNG. It should be noted that the concentration of surplus funds between bases caused by other than the pooling contract may be included in this process.

  Further, when this pooling process is completed, as a post-adjustment, the inter-base lease interlocking function operates, SNG +150 USD is returned to NYC, and +50 USD of them is returned to TKY (indicated by a thick arrow in the figure). That is, since +100 USD remains in NYC, it is offset with ▲ 100 USD at the time of completion of pooling, and as a result, the account balance at the account becomes 0 USD. Further, since +50 USD is returned from NYC to TKY, it is offset by ▲ 50 USD at the time of completion of pooling, and becomes 0 USD as a result of post-adjustment. In SNG, the balance will be 0 USD as a result of the ex-post adjustment. At this time, post-adjustment is calculated on the current date in US time in NYC, and on the date before US time in TKY and SNG. In this manner, surplus funds can be concentrated once by pooling, and the USD account balance of each account at each base can be made plus or minus zero by post-adjustment.

FIG. 7 is a diagram illustrating the concept of the day-to-day processing that accompanies expansion of operating hours in interest. This process is a process performed by the deposit interest calculation / payment unit 107 (interest processing unit). The processing date and the principle of interest accumulation entry when performing settlement across the date (cross border settlement) are as follows.
(1) Along with the transfer of funds across dates, there is no interest (adding interest) to both the destination account (withdrawal side account) and the destination account (incoming side account).
(2) Process according to the calendar date of the country to which the account belongs. However, only the predetermined time extension destination is adjusted by the calculation date process.
(3) Both the destination country and the destination country are business days. (As an exception, if the parent account is a holiday but the child account is a business day, or if the parent account or the child account is a holiday, the currency concentration base is a business day.)

  FIG. 7 shows a specific example of the inter-interest processing for interest calculation when transferring money from Tokyo to New York and when transferring money from New York to Tokyo. As shown in the table on the left of FIG. 7, if remittance was performed from Tokyo to New York at 23 o'clock on January 23, Tokyo time, it was 8 o'clock on January 23 in New York time (remittance pattern 1). Further, if remittance is performed from Tokyo to New York at 1 o'clock on January 24, Tokyo time, it is 11:00 on January 23 in New York time (remittance pattern 2). In the case of a regular customer, the processing is performed according to the calendar date. Therefore, in the remittance pattern 1, for January 23, the interest accumulation in Tokyo is not performed, but the actual deposit processing is performed in New York. Perform interest accrual. Similarly, in remittance pattern 2, for January 24, interest accumulation in Tokyo is not performed and interest accumulation in New York is performed. On the other hand, in the case of a customer whose time extension is extended, if the contract allows the extension to New York time, in the remittance pattern 1, for January 23, the interest accrual in Tokyo will not be included, and in New York Interest accrual is the same as for regular customers. Also, in remittance pattern 2, the withdrawal process in Tokyo on January 24 is counted from January 23 of the previous day, and for January 23, the deposit process is performed without accumulating interest in Tokyo. Interest accrual in New York.

  As shown in the table on the right side of FIG. 7, if remittance was performed from New York to Tokyo on January 23rd at 8:00, it is 23:00 on January 23rd in Tokyo time (remittance pattern 3). Further, if remittance is performed from New York to Tokyo at 11:00 on January 23, New York time, it is 1 o'clock on January 24 in Tokyo time (remittance pattern 4). In the case of a normal customer, in the remittance pattern 3, for January 23, interest accumulation in Tokyo is not performed, but interest accumulation in Tokyo is performed. In the remittance pattern 4, the interest accumulation in Tokyo and New York is not performed for January 23, and the interest accumulation in Tokyo is performed for January 24 when the deposit process is actually performed. In the case of the customer who has been extended to the time limit, in the remittance pattern 3, for the 23rd of January, the interest accumulation in Tokyo is not performed and the interest accumulation in New York is performed as in the normal customer. However, in the remittance pattern 4, the deposit processing is started in Tokyo on January 24, starting on January 23 of the previous day, and the interest accumulation in Tokyo is performed for January 23.

  FIG. 8 and FIG. 9 are diagrams showing a specific example of a cash flow operation (cash position adjustment method) corresponding to a closed transaction. This process is performed by the risk management support unit 103 and the fund transfer management unit 105 (see FIG. 4). The left side of FIG. 8 shows settlement (gross) of individual transactions, and the right side of FIG. 8 shows the position return to treasury. Transactions associated with remittance and pooling that occur after each site is closed are settled individually on a gross basis. On the other hand, the position return to each treasury after the closing of the currency concentration base is carried out in a lump sum based on the adjustment amount netted by base and currency. Here, the position return means displaying information on the fund position of the base on each treasury staff on a screen or a form.

  In the position return to the treasury on the left side of FIG. 8, the balance as the fund position at the time of closing the treasury of each base is adjusted based on the remittance between bases after closing and the balance of the account at the base. After closing the monetary concentration bases, collect data by base (netting) by base and currency, and make adjustments between bases (linked between bases). The aggregation method implemented at this time is multi-literal (multi-faceted and multi-dimensional). In Step 1, the details of the final funds transfer are tabulated by location and currency. In Step 2, the tabulated adjustments are concentrated in the currency. Aggregate to the bases, and distribute the adjustment amount in Step 3 to each base.

  In addition, as shown in FIG. 8, when a remittance as illustrated in the settlement (gross) of individual transactions is actually performed between the bases (TKY, SNG, LDN, NYC), Step 1 shows the total amount (adjustment amount) of deposits and withdrawals for each base and each currency (only JPY and USD in this example). For example, for TKY, the adjustment amount in JP currency is indicated by ▲ ¥ 50, and the adjustment amount in USD currency is indicated by $ 130. The same applies to other bases. In step 2, with respect to the USD currency, $ 130 is aggregated to NYC from TKY where the adjustment amount of USD accumulated in step 1 is positive, and in step 3, NYC, SNG, It shows how $ 30, $ 50, and $ 50 are distributed to LDN. Similarly, for the JPY currency, as shown by the one-dot chain line in the figure, in step 2, ¥ 150 is concentrated from LDN to TKY, and in step 3, the adjustment amount of JPY is negative for NYC and SNG. , ¥ 50 are shown.

  FIG. 9 shows the settlement method for customer transactions (customer account), settlement between bases (normal account), and position return to treasury (net) in the method for adjusting the fund position. The upper part of FIG. 9 shows a case where a customer transaction is made in USD between two bases of TKY and SNG, and the lower part of FIG. 9 is a base trade between three bases of TKY, SNG and HKG. The settlement details of the customer account and the account on the account are exactly the same between the two sites, but for the position return to Treasury, between the USDC's currency-intensive sites NYC and TKY, SNG, HKG A loan position or a loan position occurs.

  FIG. 10 is a diagram illustrating a specific example of the cash flow operation (management of the amount of money transferred after closing) corresponding to the transaction after closing. For the management of the amount of movement after closing, it is possible to refer to the individual details of inter-site remittance and pooling that occur after closing. Specifically, as shown in the figure, if there is a remittance of $ 30 from the destination branch's TKY to the destination branch's NYC (step 1, step 2), the individual transaction details are transferred via the account linkage platform 200, It is transmitted to the pooling engine 100 (step 3). In the pooling engine 100, data of individual transaction details is stored in the detail management DB 110, and details management and aggregation are performed (step 4). Further, an individual detail management screen 140 as shown is generated. For inter-base leasing transaction linkage implemented as position return to each treasury, a net position pre-calculation function is provided and the net position calculation result is transmitted to the accounting system linkage base 200 (step 5).

  The pooling engine 100 generates contract data in the contract management DB 120 based on the net position calculation result, and links it with the treasury system at each site (step 6). In addition, for each treasury at each base, the fund position in the state after the inter-base leasing transaction is calculated for each currency, and a net position management screen 150 as shown in the figure is generated, and each treasury predicts in advance. Is possible.

  FIG. 11 is a diagram showing a specific example of the cash flow operation (unified monitoring of balance) corresponding to the post-contracting transaction. This function is provided by the account balance management unit 108 (see FIG. 4), and enables the monitoring of a unified balance grasp to support cash flow at a currency concentration base that manages each currency. As shown in the figure, in grasping the total fund position, the account account balance is grasped for each base and currency, and the pooling target customer and the estimated transfer balance of the customer are grasped for each base. Also, in grasping the surplus position, the operable amount is calculated by subtracting the scheduled repayment amount of each base from the total balance.

  For example, in the example of the figure, it is assumed that the current balance is $ 150 for NYC, $ 100 for TKY, $ 100 for SNG, and the transfer amount after closing is $ 50 for TKY and + $ 20 for SNG. Then, the amount that can be used as the total surplus funds is $ 150 + $ 100 + $ 100− $ 50 + $ 20 = $ 320. In NYC, this $ 320 is used as surplus funds, for example, in FRB (Federal Reserve Bank) or other banks. In addition, in the actual business flow, the treasury at each location will use the specified infrastructure for the estimated balance amount and pooling estimated transfer amount in addition to the current balance and after-contract transfer amount for each currency as described above. Can be referred to. Here, the pooling engine 100 may use the account balance management DB 130 for balance management / aggregation. Further, the pooling engine 100 transmits the account balance information of the customer account and the bank account to the account linkage platform 200 and receives the balance information and the transfer details via the account linkage platform 200.

(Effect of embodiment)
According to the embodiment of the inter-site cash flow system, the cash flow management for the cash flow management that automatically accommodates the excess and deficiency of funds due to the transfer of funds in the customer account after the completion of the business of each bank base for each currency for each base. A system can be provided.

  In addition, the inter-site cash flow system excludes the amount of funds transfer that occurred after the end of business hours from the other bases from the base operation or procurement funds during the base closing process. The net cash position associated with the subsequent transfer of funds between bases will always be zero overall, reducing external liquidity risk.

  In addition, the inter-site cash flow system can handle the movement of the customer's surplus funds accompanying the pooling contract in the same manner as described above.

  In addition, since the inter-site cash flow system can process interest payments across dates, it can be calculated on the current day or the previous day when the processing of the depositing account is completed, so both the depositing side account and the withdrawal side account Can be processed appropriately without paying interest.

  In addition, the inter-site cash flow system generates a net position management screen for treasury of each base, and the treasury can facilitate the management of funds pojosin (management of the liquidity of funds) after the inter-base leasing transaction.

  In addition, by establishing an account linkage platform that mediates between the pooling engine, which is the core of the inter-site cash flow system, and related systems in the bank (account system, remittance system, exchange rate management system, etc.) Changes and impacts on related systems can be minimized.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. In the above embodiment, the inter-site cash flow system has been described using the present invention as a product invention. However, the present invention can also be understood as a method invention (inter-base cash flow method).

10 Funding system between bases 100 Pooling engine 101 Master management part 102 Reporting part 103 Risk management support part 104 Exchange management part 105 Fund transfer management part (base closing processing part, surplus fund concentration part, inter-site lending transaction interlocking part)
106 Fee calculation / collection department 107 Deposit interest calculation / payment department (interest processing department)
108 Account balance management part 110 Detail management DB
120 Contract Management DB
130 Account Balance Management DB
140 Individual Detail Management Screen 150 Net Position Management Screen 200 Account System Linkage Platform 201 Routing Unit 202 Standard Format Unit 203 Format Conversion Unit 204 Format Confirmation Unit 205 Flow Management Unit 206 Status Management Unit 207 Automatic Distribution Unit 220 Message Linkage Unit 230 Linkage Platform Connection Department 300 Related system 301 User terminal 302 Common master table 303 Counterpart system 304 Risk management system 305 Market system (exchange rate management system)
306 Remittance system 307 Account system 308 Internal management system 400 Other system

Claims (6)

An inter-site cash flow system that adjusts the cash flow between financial institutions,
A site closing processing unit for instructing the operation of funds or transferring funds for procurement so that the account balance at the end of the business hours at each site is zero or a predetermined balance,
A surplus fund concentrating section that is determined for each currency and that concentrates surplus funds for each base after the base closing process in the account of the central currency base, after the end of the business hours of the central base that concentrates the funds of the currency;
After the processing of the surplus fund concentration section, inter-site leasing that automatically adjusts the cash flow accompanying the transfer of funds after the end of the business hours of each base so that the account balance at each base is zero or the predetermined balance With a transaction interlocking unit ,
The inter-site cash flow system ensures that the amount of funds transfer that occurs when the financial institution's own base is within business hours and the other base is after the end of business hours does not overlap with the amount of the automatic adjustment. In addition, the inter-site cash flow system is characterized in that it is excluded from the funds for operation or procurement .   The inter-site cash flow system according to claim 1, further comprising a pooling engine for concentrating surplus funds of the customer account in a central account for each currency designated by the customer.   The pooling engine manages and aggregates the details of individual transactions, and generates a net position management screen for managing the funds position for each currency for each base after automatic adjustment based on the aggregated details. Item 3. The inter-site cash flow system according to item 2.   The pooling engine includes an interest processing unit that determines a calculation date for interest calculation of each country in accordance with a process of completion of payment of a deposit-side account in a fund transfer across the dates of each country. Item 3. The inter-site cash flow system according to item 2.   The inter-site cash flow according to claim 2, further comprising an accounting system linkage base that mediates between the pooling engine and a related system including an accounting system, an exchange rate management system, and a remittance system in a financial institution. system. An inter-site cash flow method for adjusting the cash flow between financial institutions,
A site closing process stage for instructing the operation of funds or transferring funds for procurement so that the account balance at the end of the business hours at each site is zero or a predetermined balance, and performing the site closing process,
A surplus fund concentration stage in which the surplus funds for each base after the base closing process are concentrated in an account of the currency central base after the end of the business hours of the currency central base that is determined for each currency and concentrates the funds of the currency;
Inter-site leasing that automatically adjusts the cash flow associated with the transfer of funds after the end of the business hours at each base so that the account balance at each base is zero or the predetermined balance after the processing of the surplus funds concentration stage A transaction linkage stage ,
The inter-site cash flow method is such that the amount of funds transfer that occurs when the financial institution's own base is within business hours and the other base is after the end of the business hours does not overlap with the amount of the automatic adjustment. In addition, the inter-site cash flow method is characterized in that it is excluded from the funds for operation or procurement .