JP2004206334A - Periodic distribution-type foreign exchange deposit transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system capable of easily performing the purchase of foreign currency by multiple kinds of currencies and a periodic distribution of a swap point by the use of the Internet. <P>SOLUTION: A customer having an account in an exchange transaction agent transmits foreign currency purchase condition information including the foreign currency to be purchased by the customer, its purchase amount, and the distribution method of swap point as essential items to an exchange transaction agent-side host. The host performs the purchasing transaction of the currency by use of a computer present in the host, and transmits evaluation gain and loss information after purchasing to the customer terminal. Unless the effect of changing the distribution date of the swap point and the effect of entirely or partially selling the foreign currency are transmitted from the customer terminal to the foreign exchange agent-side host, the swap point is periodically calculated and processed as realized gain on the basis of swap point distribution condition information, and a remittance is made to the designated bank account of the customer. The evaluation gain and loss information is periodically calculated by use of the computer, and the resulting information is transmitted to the customer-side communication terminal. The above steps are repeated. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

【００１６】
【表２】

【００１７】
「取扱い通貨」は任意であるが、この例では、米ドル、ユーロ、豪ドル、英ポンドの4種としている。
「決済期限」は、いつでも売却でき、何時まででもポジションを持ち続けることができるよう決済期限なしとしている。
「取引単位」すなわち外貨購入量は任意であるが、この例では、１万通貨単位（１万米ドル、１万ユーロ、１万英ポンド）を１口とし、豪ドルのみは２万豪ドルを１口とする。注文はこの「口数」とする。
【００１８】
「取引保証金」は、１口の外貨買付けを行うために必要な保証金の額である。１口当たりの取引保証金は、ドル・ユーロ・豪ドルが５０万円、英ポンドが１００万円である。
「申し込み単位」は外貨の買付け口数の最低口数を意味する。取引数量条件すなわち１回の買付けもしくは売却で執行できる数量を意味し、このモデルでは上限を設定していない。
「取引時間」は任意に設定されるが、このモデルでは外貨の買付け・売却ともに毎営業日の定時刻（この例では１４時）に設定している。なお、ポジションの評価は、定期的すなわち例としては、毎営業日の定時刻（この例では１４時）にそのときのインターバンクマーケットの実勢為替レートを参考に評価し、顧客に各取扱い通貨のレートを送信するようにしている。
【００１９】
ここで本システムの基本的なステップ（手段）を説明する前に、スワップポイント（金利差調整分）がどのようにして計算されるかを説明する。
スワップポイントとは、当該通貨ペアの国のそれぞれの金利の差から計算される。通常、外国為替市場ではニューヨーク時間の終値を越えると、翌営業日に移行し、スワップポイントの受払いが生じる。金利の高い通貨を買い、金利の低い通貨を売れば、スワップポイントを受け取ることができ、逆に金利の低い通貨を買い、金利の高い通貨を売れば、スワップポイントを支払う。日本は実質的にゼロ金利となっているため、現在の金融環境が変化しない限り、外貨を買えば、１日を越すと、スワップポイントを受け取ることができる。スワップポイントは２国間の金利差であるため、日々の金利変動によって数値が変わる。
【００２０】
ちなみに、スワップポイントの計算方法を説明すると、たとえば、１２月１０日時点のドル円のスワップポイントは、１万ドル当たり４４円の受け取り、１万ドルの買いポジションを１日持つと、４４円の受け取り(１ヶ月で１３２０円)となる。
１万ドル当たり４９円の支払い、１万ドルの売りポジションを１日持つと、４９円の支払い(１ヶ月で１４７０円)となる。
したがって、１年間ドル買いポジションを持てば、４４円×３６５日＝１６０６０円の受け取りとなる。
日本の金利＝０．０５％、ドルの金利＝１．４０％、１ドル＝１２０円の時、スワップポイントは、１２０−１２０×（1.0005/1.0140）＝１．５９７６３３となる。１万ドル当たり１日のスワップ金利は、（１．５９７６３３×１００００）/３６５＝４３．７７円。
【００２１】
本発明システムの基本的なステップ（手段）は、次のとおりである。
１）為替取引業者に口座を有する顧客が、購入を希望する外国通貨とその購入量、及びスワップポイントの分配方法を必須とする外国通貨購入条件等の情報を前記顧客側通信端末により入力し、その情報を為替取引業者側ホストへ送信するステップ。
２）前記顧客側通信端末から送信された外国通貨購入条件情報を受け、入金完了を確認した後、ホスト内に存在する計算装置を使用して外国通貨の買付取引をするステップ。
３）その買付後、その計算装置により算出された為替変動に伴う評価損益とスワップポイントの評価損益の合計を含む評価損益情報を前記顧客側通信端末に送信するステップ。
４）前記顧客側通信端末からスワップポイントの分配期日を変更する旨、及び、外国通貨の全部又は一部を売却する旨が為替取引業者側ホストへ送信されない限り、ホスト内に記録されたスワップポイント分配条件情報等に基づいて、定期的にスワップポイントを計算し実現益として処理した後に、前記顧客の指定銀行口座に送金するステップ。
５）ホスト内に存在する計算装置を使用して前記評価損益情報を定期的に計算し表示するステップ。
６）その情報を前記顧客側通信端末に送信するステップ。
７）３）〜６）を反復するステップ。
【００２２】
【表３】

【００２３】
【表４】

【００２４】
表３は、スワップポイントの分配の期日を、１カ月コース（１カ月ごとに、過去１カ月分のスワップポイント合計を実現化して、前記顧客の指定銀行口座に送金される）、３カ月コース（スワップポイントの分配が３カ月ごと）、６カ月コース（スワップポイントの分配が６カ月ごと）に分けてまとめたものである。表３（1カ月コース）では、１月１０日までに買い付けた場合、翌月からは毎月１０日（当該日が休日の場合は次の営業日）にスワップポイントが分配される日程を示している。
【００２５】
表４は当該商品の予想収益率をまとめたものである。この表は、１２月１６日時点の為替レートとスワップポイントを用いて、今後１年間、為替レートとスワップポイントが変化しないという前提条件のもとで計算した予想収益率（年率）である。
【００２６】
図２〜５は、外貨の買付け、スワップポイントの分配、外貨の売却、邦貨から外貨への交換（両替）についての流れをまとめたフローチャートである。本発明を適用して外貨の買付けがどのように行われ、またスワップポイントを定期的に分配されるかを、図２〜５を参照して説明する。
【００２７】
顧客が資金を振り込む銀行口座は、米ドルコース、ユーロコース、豪ドルコース、英ポンドコースと現受け用の資金を入金する現受け用の合計５つの銀行口座を用意してある。顧客はそれぞれのコースを選択し、指定口座に入金すれば、自動的に外貨の購入手続きが取られる（余剰金が生じた場合は、自動的に顧客の余剰金として処理される）。前記顧客がコースを変更したい場合は、顧客側通信端末で変更指示を行うことができる。
毎営業日の正午までに入金か、コース変更等の情報が前記顧客側通信端末から入力されれば、当日の１４時時点で自動的に外貨の買付けが行われる。正午以降に入金、あるいはコース変更等の情報が前記顧客側通信端末から入力された場合には、翌営業日の１４時に外貨の買付けが行われる。
買付日の１４時に、インターバンク市場の実勢為替レートを参考として、為替取引業者側ホストに仲値が入力された時点で、顧客の外貨買付けが決定する。同時に為替取引業者はカバー取引を実行する。
買付けが確定した時点で、前記顧客のデータが更新され、前記顧客側通信端末に確認メールが送信される。
【００２８】
スワップポイントは定期的に評価益を実現益として確定し、確定日から３営業日以内に顧客の銀行口座に送金する。
１カ月コースの場合、毎月９日のニューヨーク・クローズ（米国が冬時間の場合日本の翌営業日午前７時、夏時間の場合は日本の翌営業日午前６時）で、スワップポイントを確定し、日本時間の１０日時点で前記顧客の取引口座内でスワップポイントが実現益として処理される。
確定日（１０日）から３営業日以内に、実現益として処理されたスワップポイントは前記顧客の指定銀行口座に送金される。同時に前記顧客のデータが更新され、前記顧客側通信端末に確認メールが送信される。
【００２９】
前記顧客側通信端末からスワップポイントの分配指示や指定銀行口座等の情報を変更することができる。分配指示等の変更は日本時間９日の正午で締切る。９日の正午以降の変更については、翌営業日に処理される。
【００３０】
前記顧客側通信端末から外貨の一部又は全部の売却を指示できる。指示は毎営業日の正午で締切り、正午以降の変更については、翌営業日に処理される。正午までに売却の指示が前記顧客側通信端末から入力された場合、当日の１４時の時点で外貨の売却が行われる。
売却日の１４時に、インターバンク市場の実勢為替レートを参考として、為替取引業者側ホストに仲値が入力された時点で、顧客の外貨売却が決定する。同時に為替取引業者はカバー取引を実行する。
売却が確定した時点で、前記顧客のデータが更新され、前記顧客側通信端末に確認メールが送信される。売却日から３営業日以内に、売却代金は前記顧客の指定銀行口座に送金される。
【００３１】
前記顧客側通信端末から外貨の両替（邦貨から外貨への交換）の指示ができる。指示は毎営業日のニューヨーク・クローズ（米国が冬時間の場合日本の翌営業日午前７時、夏時間の場合は日本の翌営業日午前６時）で締切り、それ以降の変更については、翌営業日に処理される。ニューヨーク・クローズまでに両替の指示が前記顧客側通信端末から入力された場合、前記顧客の取引口座内に両替の総代金に相当する邦貨資金がある場合、２営業日後のニューヨーク・クローズ時点で、前記顧客の取引口座内で邦貨から外貨への交換が行われる。両替が確定した時点で、前記顧客のデータが更新される。
両替が確定した日から３営業日以内に、前記顧客の指定外貨口座に外貨が送金される。
【００３２】
【発明の効果】
以上説明した本発明の請求項１によれば、顧客がいったん外貨の買付けを行えば、スワップポイントを顧客の指示通りの間隔で定期的に銀行送金で受け取ることができるために、金利収入が定期的にあるかのような感覚で分配金を受け取ることができる。さらに、外貨の購入コスト（元本およびスワップポイント分を含めた全体のコスト）をコンピューターで自動管理するため、顧客は一目で投資した金額と現在の価値、外貨購入損益を把握することができ、個人投資家にとっての資産運用上好適な定期分配型外国為替保証金取引システムを提供できるというすぐれた効果が得られる。
【００３３】
請求項２によれば、顧客がスワップポイントの分配の間隔を自由に変更して、受け取るキャッシュ・インフローを自由にコントロールできるというすぐれた効果が得られる。
請求項３によれば、インターネット上での簡単な操作で、全額または一部を自由に解約（売却）できるので、為替変動リスクのコントロールや利益の確保と使用が容易である。さらに外貨として使用する目的で、両替（邦貨から外貨への交換）もできるというすぐれた効果が得られる。
請求項４によれば、自動的にロスカットが行われるので、為替変動リスクのコントロールが容易であるというすぐれた効果が得られる。
【図面の簡単な説明】
【図１】本発明を適用した定期分配型外国為替保証金取引システムの全体構成図である。
【図２】本発明における、外貨の買付けに係るフローチャートである。
【図３】本発明におけるスワップポイントの分配に係るフローチャートである。
【図４】本発明における外貨の売却に係るフローチャートである。
【図５】本発明における外貨の両替に係るフローチャートである。[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a periodic distribution type foreign exchange guarantee transaction system, and more particularly, to a system that can easily perform periodic payment of swap points (adjustment for interest rate difference) by foreign currency investment in various currencies using the Internet. .
[0002]
[Prior art]
With the recent revision of the Foreign Exchange and Foreign Trade Law, foreign exchange margin trading (also called foreign exchange margin trading) is rapidly spreading, and a system for performing foreign exchange margin trading using the Internet has been proposed. In the past, however, there was no transaction system that regularly paid investors a swap point (adjusted for the interest rate difference) equivalent to the interest rate on foreign currency deposits.
[0003]
[Problems to be solved by the invention]
The present invention has been made in order to solve the above-described problems, and an object of the present invention is to be able to periodically receive a swap point as a realized profit after purchasing foreign currency with a deposit system using the Internet. An object of the present invention is to provide a periodic distribution type foreign exchange deposit transaction system suitable for asset management for individual investors.
[0004]
[Means for Solving the Problems]
In order to achieve the above object, the present invention provides a system in which a foreign currency is purchased, a swap point is appropriately calculated, and the remittance is periodically sent to the customer bank account. Consists of a controller, a WEB server, and a host of a foreign exchange trader including a database server. Customers who have an account with the foreign exchange trader require a foreign currency they wish to purchase, the amount of the purchase, and a method of distributing swap points. Inputting the foreign currency purchase condition information by the customer communication terminal and transmitting the information to the foreign exchange trader host; receiving the information such as the foreign currency purchase condition transmitted from the customer communication terminal; Conducting a currency purchase transaction using a calculation device existing in the above, and, after the purchase, a valuation gain or loss due to exchange rate fluctuation calculated by the calculation device; Transmitting valuation profit / loss information including the total valuation gain / loss of wap points to the communication terminal on the customer side, and selling or exchanging all or part of foreign currency from the communication terminal on the customer side, Unless transmitted to the client, based on information such as swap point distribution conditions recorded in the host, periodically calculate and process the swap points as realized gains, and then remittance to the designated bank account of the customer; The method is characterized in that a step of periodically calculating and displaying the valuation profit / loss information using a computing device existing in the host and a step of transmitting the information to the customer side communication terminal are repeated.
[0005]
In the present invention, preferably, the customer-side communication terminal includes, from the account opening application procedure information, the foreign currency purchase condition determination information including the desired foreign currency and its purchase amount, the swap point distribution method, cancellation information, and yen. An input function for inputting any of foreign exchange (exchange) information and withdrawal information, a transmission function for transmitting the input information to the host, and displaying information transmitted from the host. After receiving the input information transmitted from the customer communication terminal, the host uses a computing device present in the host to purchase, sell, exchange, or swap foreign currency. A transmission function for calculating the sum of points and the like and transmitting cost information including the profit and loss calculated by the calculation to the customer side communication terminal, and processing a periodic swap point payment, etc. Have that exchange transaction processing function.
[0006]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings, but the present invention is not limited to the embodiments.
FIG. 1 shows an entire configuration of a periodic distribution type foreign exchange deposit transaction system to which the present invention is applied, in which a customer communication terminal held by a customer and a foreign exchange trading company host computer (hereinafter referred to as a host computer) owned by a foreign exchange trading company. , Referred to as a trader-side host), and the customer-side communication terminal and the host-side communication terminal are connected by an Internet communication network.
[0007]
A communication control device, a WEB server and a database server are incorporated in the trader's host.Foreign currency information such as U.S. dollars, euros, Australian dollars, and British pounds is taken into a database. If it is accessed from the customer, it is possible to supply necessary exchange information to the communication terminal on the customer side.
In addition, the database is connected via the Internet to data banks such as securities markets, financial markets, commodity markets, news agencies, newspapers and magazines, and automatically updates foreign exchange information collected therefrom. It is supposed to. This makes it possible to provide foreign exchange information to customers in real time.
[0008]
The trader's host includes "Transaction Guide" information, "Account Opening" information, "Terms and Conditions" information, "Procedure Flow" information, "Partial Cancellation / All Cancellations" and "Current Receipt Order". "Order / Cancellation" information, "History / Inquiry" information including "Account / Position Inquiry", "Purchase / Cancellation / Current Receipt History", "Swap Point Distribution Change History", etc., and "Deposit / Withdrawal Request" It has a transmission function of transmitting “payment / payment” information including “payment / payment history” and “payment / payment cancellation” to the communication terminal on the customer side.
[0009]
Also includes "Order / Cancelation" information, including "Account Open" and "Partial Cancellation / All Cancellation", etc., which are transmitted after being entered by the customer's communication terminal, and "Deposit / Withdrawal Request" and "Deposit / Withdrawal" etc. Calculate the customer investment cost such as the purchase amount or the total of the swap points using the computing device existing in the host from the “deposit and withdrawal” information, and provide the investment cost information including the profit and loss calculated by the calculation to the customer side It has a transmission function for transmitting to a communication terminal.
In addition, it has a foreign exchange transaction processing function for performing transaction processing according to the customer's instructions, such as purchase or cancellation of foreign currency, exchange of currency, and periodic distribution of swap points transmitted by the customer side communication terminal. Further, the trader-side host has a transmission function of transmitting the processed information to the customer-side communication terminal.
[0010]
Then, when the customer's market-based asset falls below a predetermined percentage of the investment amount, for example, 5%, the position can be automatically closed, thereby stopping the currency fluctuation risk to a certain extent. As described above, the trader side host computer is provided with a loss cut function.
[0011]
The customer-side communication terminal may be any communication terminal such as a personal computer, a PHS, or a mobile phone as long as it is an Internet-compatible communication terminal, but the communication terminal can freely use a WEB page provided in the trader-side host. A browser function is required for browsing and checking real-time foreign exchange information.
[0012]
Customer-side communication terminals include personal information, "order / cancellation" information including "partial cancellation / all cancellation / current receiving order", "account / position inquiry" and "purchase / cancellation / current receiving history" etc. An input function for inputting "history / inquiry" information including "deposit / withdrawal request", "deposit / withdrawal history", "deposit / withdrawal" information, and the like, and inputting the input information into the transaction It has a transmission function to transmit to the trader host.
With these functions, the customer-side communication terminal can transmit personal information, purchase information, and the like to the trader-side host, and proceed with foreign exchange transactions.
[0013]
According to the present invention, the basic system described above can be used to open a foreign currency, cancel (partially or entirely), distribute swap points at regular intervals, change the period of regular distribution, receive foreign currency, The website is designed to withdraw foreign and Japanese currencies on the web. In particular, it presents the customer's investment costs (total of the purchase price and swap points) at any time and enables the customer to grasp the profit and loss in real time. ing.
[0014]
First, Table 1 and Table 2 show an outline of a certain model of a periodic distribution type foreign exchange guarantee transaction as a product targeted by the present invention. In this example, the time unit of the swap point (adjusted interest rate difference) is set to a unit of one month, three months, or six months (which can be freely changed), but may be any unit such as a week.
[0015]
[Table 1]

[0016]
[Table 2]

[0017]
The "currency" is arbitrary, but in this example, there are four types: US dollar, Euro, Australian dollar and British pound.
The “settlement deadline” has no settlement deadline so that you can sell at any time and maintain a position at any time.
The "trading unit", i.e., the amount of foreign currency purchase, is arbitrary, but in this example one unit of 10,000 currency units (10,000 US dollars, 10,000 euros, 10,000 pounds sterling) and one Australian dollar only 20,000 Australian dollars And The order is this "number".
[0018]
“Transaction deposit” is the amount of deposit required to purchase one foreign currency. The security deposit per unit is 500,000 yen for US dollars, euros and Australian dollars and 1 million yen for British pounds.
"Application unit" means the minimum number of foreign currency purchase units. The transaction quantity condition, that is, the quantity that can be executed in one purchase or sale, is not set in this model.
The "transaction time" is arbitrarily set, but in this model, both purchase and sale of foreign currency are set at a fixed time of each business day (14:00 in this example). In addition, the position is evaluated periodically, that is, as an example, at a fixed time of each business day (14:00 in this example) by referring to the actual exchange rate of the interbank market at that time and providing the customer with the rate of each handling currency. Is sent.
[0019]
Before describing the basic steps (means) of the present system, how the swap points (interest difference adjustments) are calculated will be described.
Swap points are calculated from the difference in interest rates between the countries in the currency pair. Normally, in the foreign exchange market, once the closing price of New York time is exceeded, the next business day will be reached and swap points will be paid and received. If you buy a currency with a high interest rate and sell a currency with a low interest rate, you can receive swap points. Conversely, if you buy a currency with a low interest rate and sell a currency with a high interest rate, you pay the swap points. Japan has a virtually zero interest rate, so if you do not change the current financial environment, you can receive swap points after one day if you buy foreign currency. Since the swap point is the interest rate difference between the two countries, the value changes depending on daily interest rate fluctuations.
[0020]
By way of explanation, the swap point calculation method is as follows. For example, a dollar-yen swap point as of December 10 will receive 44 yen per $ 10,000 and if you have a $ 10,000 buy position for one day, you will receive 44 yen. It will be received (1320 yen per month).
If you pay $ 49 per $ 10,000 and you have a $ 10,000 short position a day, you pay $ 49 (1470 per month).
Therefore, if you hold a dollar buying position for one year, you will receive 44 yen x 365 days = 16060 yen.
When the Japanese interest rate = 0.05%, the dollar interest rate = 1.40%, and 1 dollar = 120 yen, the swap point is 120-120 x (1.0005 / 1.0140) = 1.597633. The daily swap interest rate per 10,000 dollars is (1.597633 x 10000) / 365 = 43.77 yen.
[0021]
The basic steps (means) of the system of the present invention are as follows.
1) A customer having an account with a foreign exchange trader inputs, through the customer communication terminal, information such as a foreign currency desired to be purchased, the amount of the purchase, and foreign currency purchase conditions which require a method of distributing swap points, Transmitting the information to the exchange trader host;
2) Receiving the foreign currency purchase condition information transmitted from the customer side communication terminal and confirming the completion of the payment, and then conducting a foreign currency purchase transaction using a computer present in the host.
3) After the purchase, transmitting to the customer communication terminal valuation gain / loss information including the sum of the valuation gain / loss due to the exchange rate fluctuation and the valuation gain / loss of the swap point calculated by the calculator.
4) The swap point recorded in the host unless the exchange date of the swap point is changed from the communication terminal on the customer side and the sale of all or a part of the foreign currency is transmitted to the host of the exchange trader. A step of periodically calculating a swap point on the basis of distribution condition information and the like, processing the swap point as a realized profit, and then remittance to a designated bank account of the customer.
5) periodically calculating and displaying the valuation profit / loss information using a computing device existing in the host;
6) transmitting the information to the customer communication terminal;
7) repeating steps 3) to 6).
[0022]
[Table 3]

[0023]
[Table 4]

[0024]
Table 3 shows the date of the distribution of swap points for the one-month course (each month, realizing the total amount of swap points for the past month and remittance to the customer's designated bank account), the three-month course ( Swap points are distributed every 3 months, and 6-month courses (swap points are distributed every 6 months). Table 3 (1 month course) shows the schedule for swap points to be distributed on the 10th of each month (or the next business day if the day is a holiday) if purchased by January 10 .
[0025]
Table 4 summarizes the expected rate of return for the product. This table shows the expected rate of return (annualized rate) calculated using the exchange rate and swap points as of December 16 under the assumption that the exchange rate and swap points will not change over the next year.
[0026]
FIGS. 2 to 5 are flowcharts summarizing the flow of purchasing foreign currency, distributing swap points, selling foreign currency, and exchanging Japanese currency for foreign currency (exchange). How the foreign currency is purchased and the swap points are regularly distributed according to the present invention will be described with reference to FIGS.
[0027]
There are five bank accounts for customers to transfer funds to: US dollar course, Euro course, Australian dollar course, British pound course and current deposit to deposit current funds. When the customer selects each course and deposits it in the designated account, the foreign currency purchase procedure is automatically taken (if surplus occurs, it is automatically treated as the customer's surplus). When the customer wants to change the course, a change instruction can be given at the customer communication terminal.
If information such as payment or course change is input from the customer communication terminal by noon on every business day, foreign currency is automatically purchased at 14:00 on the day. When information such as payment or course change is input from the customer communication terminal after noon, foreign currency is purchased at 14:00 on the following business day.
At 14:00 on the purchase date, the customer's purchase of foreign currency is determined at the time when the mid-market price is input to the exchange trader's host with reference to the prevailing exchange rates in the interbank market. At the same time, the exchange trader executes a cover transaction.
When the purchase is confirmed, the customer data is updated, and a confirmation mail is transmitted to the customer communication terminal.
[0028]
The Swap Points will periodically determine the unrealized gains as realized gains and transfer them to the customer's bank account within three business days from the date of determination.
In the case of the one-month course, the swap point is confirmed at New York Closing Day on the 9th of each month (7:00 am on the next business day in Japan for winter time in the United States and 6:00 am on the next business day in Japan in summer time). The swap points are processed as realized gains in the customer's trading account as of the 10th day of Japan time.
Within three working days from the settlement date (10 days), the swap points treated as realized gains are remitted to the customer's designated bank account. At the same time, the data of the customer is updated, and a confirmation mail is transmitted to the communication terminal on the customer side.
[0029]
From the customer communication terminal, information such as a swap point distribution instruction and a designated bank account can be changed. Changes to distribution instructions, etc., will close at noon on 9th Japan Time. Changes after noon on the 9th will be processed the next business day.
[0030]
The customer's communication terminal can instruct the sale of part or all of the foreign currency. Instructions are closed at noon every business day, and changes after noon are processed the next business day. If a sales instruction is input from the customer communication terminal by noon, foreign currency is sold at 14:00 on the day.
At 14:00 on the sale date, when the mid-market price is input to the host of the foreign exchange trader with reference to the prevailing exchange rates in the interbank market, the customer is determined to sell foreign currency. At the same time, the exchange trader executes a cover transaction.
When the sale is confirmed, the data of the customer is updated, and a confirmation mail is transmitted to the communication terminal on the customer side. Within three business days from the date of sale, the proceeds of the sale are remitted to the customer's designated bank account.
[0031]
The customer communication terminal can issue an instruction for foreign currency exchange (exchange from Japanese to foreign currency). Instructions are closed at New York Close every business day (7:00 am on the next business day in Japan for winter time in the United States and 6:00 am on the next business day in Japan for daylight saving time). Processed on the day. If a currency exchange instruction is input from the customer communication terminal before the New York close, if there is Japanese money equivalent to the total price of the currency exchange in the customer's transaction account, at the time of New York close two business days later, Exchange of Japanese currency into foreign currency is performed within the customer's transaction account. When the exchange is confirmed, the data of the customer is updated.
The foreign currency is remitted to the customer's designated foreign currency account within three business days from the date on which the exchange is confirmed.
[0032]
【The invention's effect】
According to the above-described claim 1 of the present invention, once the customer purchases foreign currency, the swap point can be periodically received by bank transfer at the interval specified by the customer, so that the interest income is You can receive distributions as if you were there. In addition, since the foreign currency purchase cost (the total cost including the principal and swap points) is automatically managed by a computer, customers can know at a glance the amount invested, the current value, the profit and loss of foreign currency purchase, An excellent effect of being able to provide a periodic distribution type foreign exchange guarantee transaction system suitable for asset management for individual investors is obtained.
[0033]
According to the second aspect, an excellent effect is obtained in that the customer can freely change the interval of the distribution of the swap points and freely control the cash inflow received.
According to the third aspect, the whole or a part thereof can be freely canceled (sold) with a simple operation on the Internet, so that it is easy to control the risk of exchange rate fluctuation and to secure and use the profit. Furthermore, there is an excellent effect that currency exchange (exchange from Japanese to foreign currency) can be performed for the purpose of using as foreign currency.
According to the fourth aspect, since the loss cut is automatically performed, an excellent effect that the control of the exchange rate fluctuation risk is easy can be obtained.
[Brief description of the drawings]
FIG. 1 is an overall configuration diagram of a periodic distribution type foreign exchange guarantee transaction system to which the present invention is applied.
FIG. 2 is a flowchart according to the present invention relating to the purchase of foreign currency.
FIG. 3 is a flowchart relating to distribution of swap points according to the present invention.
FIG. 4 is a flowchart relating to the sale of foreign currency according to the present invention.
FIG. 5 is a flowchart relating to foreign currency exchange in the present invention.

Claims (4)

A customer-side communication terminal, a communication controller, a WEB server, and a foreign exchange trader-side host including a database server; the communication terminal and the host are respectively connected through an Internet communication network;
A customer having an account with a foreign exchange trader inputs foreign currency desired to be purchased, the amount of the purchase, and foreign currency purchase condition information that requires a method of distributing swap points through the customer communication terminal, and the information is exchanged. Transmitting to the trader-side host; receiving foreign currency purchase condition information transmitted from the customer-side communication terminal; and performing a currency purchase transaction using a computing device present in the host; and Sending the valuation gain and loss information including the sum of the valuation gain and loss associated with the exchange rate fluctuation and the valuation gain and loss of the swap point to the customer-side communication terminal calculated by the calculation device; and Changes to the distribution date and the sale of all or part of the foreign currency will be recorded in the host unless they are sent to the foreign exchange host. Based on wap point distribution condition information and the like, periodically calculating and processing swap points as realized gains, and then remittance to the designated bank account of the customer; and performing the evaluation using a computing device existing in the host A periodic distribution type foreign exchange guarantee transaction system in which the step of periodically calculating and displaying profit and loss information and the step of transmitting the information to the customer communication terminal are repeated. When the customer's communication terminal notifies the exchange trader's host that the swap point distribution date is to be changed, the swap point distribution condition information and the like recorded in the host are changed, and the swap point is calculated based on the conditions. 2. The periodic distribution type foreign exchange guarantee transaction system according to claim 1, wherein, after processing as realization profit, a step of remittance to the designated bank account of the customer and a step of transmitting the information to the communication terminal on the customer side are performed. When all or part of the foreign currency is sold or exchanged from the customer communication terminal to the foreign exchange trading partner host, a certain date and time are utilized by using a computing device existing in the host. 3. The method according to claim 1, further comprising: selling all or part of the foreign currency, or exchanging the foreign currency for a yen, and transmitting the information to the customer-side communication terminal and reflecting the information in the customer's transaction account. Forex guarantee trading system. If the effective holding amount of the customer calculated by the calculation device falls below a certain level of the transaction deposit, selling all foreign currencies using a calculation device existing in the host; and transmitting the information to the customer. 4. The periodic distribution type foreign exchange deposit transaction system according to claim 1, further comprising a step of transmitting to a communication terminal.

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