JP2005242589A - Foreign exchange trading system and foreign exchange trading method by multicurrency combination - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a foreign exchange trading system that reduces risk by exchange fluctuation by combining multiple currencies and diversifying fluctuation risk. <P>SOLUTION: The foreign exchange trading system by multicurrency combination connects a dealer computer 1, a foreign exchange market computer 10 and a financial institution computer 20 with communication networks N1 and N2, and conducts foreign exchange trading by multicurrency combination. On the basis of contracts with a finite number of agencies introduced by a particular agent and with a multilevel group of agencies introduced by a finite number by each agency, a multicurrency combination fund invested by each agency is operated in foreign exchange trading, swap points in the operation of the fund invested by each agency are periodically collected, a commission to the particular agent in a predetermined proportion to such collected total swap points is periodically computed, and the computed commission is periodically transferred to an account designated by the particular agent. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a combination of multiple currencies to disperse the fluctuation risk and to reduce the risk due to these exchange fluctuations.

Conventionally, various foreign exchange trading systems that manage funds using fluctuations in exchange rates such as the US dollar versus yen and the pound sterling versus yen have been implemented. However, in the case of foreign exchange transactions using a single currency transaction, It is specialized in the type of visiting business and has a problem in maintaining credit with customers.
In the case of foreign exchange margin trading, interest margin gains from carry-over transactions are accumulated in the customer account and returned at the end of the transaction. However, in the case of a single currency transaction, there are many cases of adding additional funds. In terms of the occurrence, unfavorable situations are likely to occur in terms of customer satisfaction and business efficiency.

  Patent Document 1 proposes a financial order management system in which a foreign exchange transaction is ordered from a terminal using the Internet and the foreign exchange transaction is executed.

However, in the case of this financial order management system, the contents of foreign exchange transactions in multiple currencies can be introduced in a list format, but the fluctuation risk is dispersed by combining multiple currencies to reduce the risk due to these exchange fluctuations. It is not configured as shown.
In other words, the fact is that there is no foreign exchange trading system that produces effective interest margins with a low risk by combining multiple currencies.
JP 2003-50912 A

  The problem to be solved is that there is no multi-currency combination foreign exchange trading system that disperses fluctuation risk by combining multiple currencies and reduces the risk due to these exchange fluctuations.

  The present invention is a multi-currency combination foreign exchange transaction system in which a foreign exchange transaction computer apparatus, a foreign exchange market computer apparatus, and a financial institution computer apparatus are connected via a communication network to execute a foreign exchange transaction using a multi-currency combination. The exchange transaction computer device is connected to the foreign exchange market computer device, and a limited number of agents introduced by a specific agent who wishes for foreign exchange transactions in a multi-currency combination and a limited number of introductions of each agent. Based on contracts with a group of agents in multiple stages, swaps arising from the execution of funds for foreign exchange transactions using multi-currency combined funds by each agent investment and fund operations by each agent investment resulting from the fund operation Execution of periodic calculation of points and total swap points obtained by calculation And a periodic calculation of a reduction fee to a specified agent at a predetermined ratio with respect to the total exchange point. Further, the exchange transaction computer device is connected to a financial institution computer device to calculate the total swap points obtained by the calculation. The most important feature is that the remittance fee is periodically transferred to a designated account of a specified agent.

The present invention has the following effects.
That is, according to the present invention, a multi-currency is combined, for example, five types of currencies are combined by a system configuration in which a currency exchange computer device, a foreign exchange market computer device, and a financial institution computer device are connected via a communication network. In addition, by managing funds through foreign exchange transactions by investing in a group of agents based on the introduction of specific agents, it is possible to diversify the risks of fluctuations in individual currencies and to reduce the risks associated with these exchange fluctuations as a whole. Thus, it is possible to provide a foreign exchange trading system using a multi-currency combination that can improve customer satisfaction at a specific agent and increase the operating efficiency of a foreign exchange trader.

  In addition, according to the present invention, by combining multiple currencies, for example, combining five types of currencies, and performing funds management by foreign exchange transactions by investing in a group of agents based on the introduction of a specific agent, Foreign currency exchange with multi-currency combinations that can improve the customer satisfaction of specific agents and increase the operating efficiency of foreign exchange traders. Can provide trading methods.

In these cases, the multi-currency combinations include US dollar / yen, euro / yen, British pound / yen, Australian dollar / yen, New Zealand dollar / yen, Canadian dollar / yen, Norwegian krone / yen, Swedish kronor / yen, euro. / USD, GBP / USD, USD / Canadian dollar, Australian dollar / USD, New Zealand dollar / USD, USD / Norwegian krone, USD / Swedish krone, Euro / GBP, Euro / Canadian dollar, Euro / Australian dollar, Euro / New Zealand dollar Any currency and any number of combinations can be selected from the Euro / Swedish krone.
Of course, the present invention can be applied to other multi-currency combined operations.

  For the purpose of distributing fluctuation risk by combining multiple currencies and reducing the risk due to these exchange fluctuations, a foreign exchange market computer device, a foreign exchange market computer device, and a financial institution computer device are connected via a communication network, A foreign exchange trading system using a multi-currency combination for executing a foreign exchange transaction using a multi-currency combination, wherein the exchange trader computer device is connected to the foreign exchange market computer device and desires a foreign exchange transaction using a multi-currency combination From a total of more than 630 stores based on contracts with more than 10 stores by referring to specific agents and multiple stores of more than 620 stores by introducing two or more stores by introducing each agent Perform fund management for foreign exchange transactions with multi-currency combination funds by each agency investment Regularly perform monthly or yearly calculation of swap points resulting from the management of funds from each agency investment resulting from the management, and to a 3% specified agent for the total swap points determined by the calculation In addition, the exchange transaction computer device is connected to a financial institution computer device to calculate a reduction fee for the total swap points obtained by the calculation. This was achieved by a configuration that periodically executes remittance processing to a designated account of a specific agent.

Examples of the present invention will be described in detail below.
As shown in FIG. 1, the foreign exchange transaction system using the multi-currency combination of the present embodiment includes a foreign exchange transaction computer apparatus 1, a foreign exchange market computer apparatus 10, and a financial institution computer apparatus 20, and communication networks N1, N2. It is comprised by connecting via. Furthermore, a specific agency terminal 40 of a specific agency (individual) that entrusts the money management to the currency exchange trader equipped with the currency exchange transaction computer apparatus 1 is connected to the exchange transaction company computer apparatus 1 via the communication network N3. The

  The exchange trader computer apparatus 1 is connected to a main computer 2, a database 3 for storing and storing various information, a trader server 4 connected to the specific agency terminal 40, and the financial institution computer apparatus 20. And a money processing server 5.

  The foreign exchange market computer device 10 includes a foreign exchange market computer 11 and a processing terminal 12. The financial institution computer device 20 includes a financial institution computer 21 and a processing terminal 22.

  The communication networks N1 to N3 are each configured by a communication line for performing data communication between them, such as the Internet and a dedicated line.

Next, the flow of the foreign exchange transaction system processing by the multi-currency combination of this embodiment will be described in further detail with reference to FIGS.
First, a specific agent (individual) entrusting money management using a multi-currency combination to a foreign exchange trader equipped with the foreign exchange trader computer device 1 concludes a trade contract with the foreign exchange trader (step S1). .

  Further, the foreign exchange trader concludes a transaction contract with a limited number of agencies introduced by the specific agency and a limited number of agencies introduced by each agency and a group of agencies at a finite stage (level) ( Step S2). For example, as shown in FIG. 3, there are a total of more than 620 agency groups in six stages, including a maximum of 10 or more agencies by introduction of the specific agency and a plurality of 2 or more shops by introduction of each agency. A business contract is concluded with a total of 630 or more agencies.

  The number of agents introduced by the specific agent, the number of finite numbers introduced by each agent, and the number of finite stages can be implemented as finite arbitrary numbers in addition to the cases described above.

  Next, the foreign exchange trader uses the foreign exchange trader computer apparatus 1 and connects to the foreign exchange market computer apparatus 10 to execute fund management using the investment funds of the specific agency and agency group (step S3). .

For example, as shown in FIG. 2, the specific agent entrusted the operation of 100,000 US dollars (100 units) to a foreign exchange trader in anticipation of a dollar appreciation / yen depreciation at the time of exchange rate of 1 dollar = 110 yen. To do.
When the foreign exchange trader invests 100,000 US dollars by buying / selling dollars with exchange rate of 1 dollar = 110 yen and settles with 1 dollar = 120 yen, the exchange gain / loss is (120−110) × 100,000. US dollars, swap point at this time is 100 yen (received swap 100,000 US dollars = 100 yen), 100 yen x 30 days = 3000 yen per January (30th). Such money management by a foreign exchange trader is similarly performed on the investment funds of each agency in the agency group.

Next, the multi-currency combined operation will be described. Swap points (reception) for yen transactions are as follows for each currency in 10 units (10,000 currency units) per day.
USD / JPY 8 JPY EUR / JPY 28 JPY GBP / JPY 72 JPY Australian dollar / JPY 40 JPY Canadian dollar / JPY 20 JPY New Zealand dollar / JPY 36 JPY Norwegian Krone / JPY 2 JPY Swedish Krone / JPY 4 JPY

  Based on these values, funds of 200 units (200,000 currency units) for each currency in a combination of five currencies, for example, US dollar / yen, euro / yen, British pound / yen, Australian dollar / yen and New Zealand dollar / yen In the same manner as described above, when the exchange trader operates using the exchange trader computer apparatus 1, one month of totaling five currencies calculated by the main computer 2 of the exchange trader computer apparatus 1, 1 The annual swap points (reception) are as shown in FIG. 4 (step S4).

Such a calculation of swap points is performed in a similar manner on a regular basis (monthly or yearly) for the investment funds of each agent of the specific agent and the agent group (total of 630 or more). .
An example of multi-currency combined operation other than the above-mentioned transaction with yen is as follows. Of course, the present invention can be applied to other multi-currency combined operations.
Euro / US dollar 12 yen British pound / US dollar 50 yen US dollar / Canadian dollar 30 yen Australian dollar / US dollar 29 yen New Zealand dollar / US dollar 25 yen US dollar / Norwegian krone 9 yen US dollar / Swedish krone 19 yen Euro / UK pound 22 yen Euro / Canadian dollar 2 Yen Euro / Australian dollar 33 yen Euro / New Zealand dollar 36 yen Euro / Swedish krone 9 yen

Next, the main computer 2 of the currency exchange trader computer apparatus 1 calculates a reduction fee for the specific agent based on the total result of the swap points for the agency group (total number of 630 or more). (Step S5).
That is, when the reduction fee for the specific agent is 3% in advance, it is 3150 yen / month from 105,000 yen × 0.03 per agency, for example, 198,500 for all 630 agencies Yen / month.
In addition, for December (1 year), it is 2,376,000 yen. In addition, the ratio of the reduction fee is not limited to 3%, and can be variously set such as 2%, 4%, and 5%.

  After calculating the return fee for the specific agent in this way, the money processing server 5 of the exchange transaction computer device 1 is connected to the financial institution computer device 20 via the communication network N2, and the return fee is calculated. Is paid to the designated account of the specific agent periodically (for example, payment at the beginning of the next month at the end of the month or payment at the beginning of the next year at the end of January) (step S6).

By the series of fund management using the series of multi-currency combinations described above, it is possible to disperse the fluctuation risk due to the exchange fluctuation of each currency, and to reduce the risk due to the exchange fluctuation.
That is, according to the present embodiment, a combination of multiple currencies, for example, by a system configuration in which the exchange trader computer 1, the foreign exchange market computer device 10, and the financial institution computer device 20 are connected by the communication networks N1 and N2, for example, By combining the five currencies and investing in foreign exchange transactions by investing in a group of agents based on the introduction of a specific agent, the risk of fluctuations in individual currencies is dispersed as a whole, and the risk of these exchange fluctuations as a whole. It is possible to provide a foreign exchange transaction system using a multi-currency combination and a foreign exchange transaction method using a multi-currency combination that can improve customer satisfaction at a specific agent and increase the operating efficiency of a foreign exchange trader.

  The multi-currency combinations in the present invention include US dollar / yen, euro / yen, British pound / yen, Australian dollar / yen, New Zealand dollar / yen, Canadian dollar / yen, Norwegian krone / yen, Swedish kroner / yen, euro / US dollar. , British pound / US dollar, US dollar / Canadian dollar, Australian dollar / US dollar, New Zealand dollar / US dollar, US dollar / Norwegian krone, US dollar / Swedish krone, Euro / British pound, Euro / Canadian dollar, Euro / Australian dollar, Euro / New Zealand dollar, Euro / Arbitrary currencies and any number of combinations can be selected from Swedish kroner, and this makes it possible to improve customer satisfaction by making effective use of currency fluctuations in a wide range of currencies around the world. The efficiency can be increased. As described above, the present invention is naturally applicable to multi-currency combined operations other than those described above.

It is the schematic which shows the structure of the foreign exchange transaction system in the Example of this invention. It is explanatory drawing which shows the exchange fluctuation profit in the case of the US dollar / yen in a present Example. It is explanatory drawing which shows the specific agency in a present Example, and the limited agency group by the introduction. It is a figure which shows the example of total calculation of the swap point by the multicurrency combination in a present Example. It is a flowchart which shows the flow of a process of the foreign exchange transaction method using the foreign exchange transaction system in a present Example.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Foreign exchange trader computer apparatus 2 Main computer 3 Database 4 Trader server 10 Foreign exchange market computer apparatus 11 Foreign exchange market computer 12 Processing terminal 20 Financial institution computer apparatus 21 Financial institution computer 22 Processing terminal N1 communication network N2 communication network N3 communication network

Claims (6)

A forex trading system using a multi-currency combination that connects a forex trader computer device, a forex market computer device, and a financial institution computer device via a communication network, and executes a forex transaction using a multi-currency combination,
The exchange trader computer device is connected to the foreign exchange market computer device;
Invested by each agency based on a contract with a limited number of agents introduced by a specific agent who wishes to conduct foreign exchange transactions in the multi-currency combination, and a group of agents in multiple stages by introduction of each agency. Executing fund management for foreign exchange transactions using multi-currency combination funds,
Execution of periodic calculation of swap points generated by fund management by each agency investment resulting from the fund management;
Performing a periodic calculation of a reduction fee to a specific agent at a predetermined ratio with respect to the total swap points obtained by the total calculation,
Furthermore, the exchange transaction computer apparatus is connected to a financial institution computer apparatus,
Periodically performing remittance processing to the designated account of the specified agent for the reduction fee for the total swap points obtained by the calculation,
Forex trading system with multi-currency combination. A forex trading system using a multi-currency combination that connects a forex trader computer device, a forex market computer device, and a financial institution computer device via a communication network, and executes a forex transaction using a multi-currency combination,
The exchange trader computer device is connected to the foreign exchange market computer device;
With up to 10 or more agents by introducing specific agents who wish to conduct foreign exchange transactions using the multi-currency combination, and with more than 620 agents grouping in 6 stages, each of two or more stores by introducing each agent Based on the contract, execution of funds management for foreign exchange transactions with multi-currency combined funds by each agency investment consisting of a total of 630 or more stores,
Performing monthly or yearly periodic calculation of swap points generated by fund management by each agency investment resulting from the fund management; and
Perform a regular calculation monthly or yearly for a reduction fee to a specified agent of 3% for the total swap points determined by the total calculation,
Furthermore, the exchange transaction computer apparatus is connected to a financial institution computer apparatus,
Periodically performing remittance processing to the designated account of the specified agent for the reduction fee for the total swap points obtained by the calculation,
Forex trading system with multi-currency combination.   The multi-currency combinations are US dollar / yen, euro / yen, British pound / yen, Australian dollar / yen, New Zealand dollar / yen, Canadian dollar / yen, Norwegian krone / yen, Swedish kroner / yen, euro / US dollar, British pound / yen. US dollar, US dollar / Canadian dollar, Australian dollar / US dollar, New Zealand dollar / US dollar, US dollar / Norwegian krone, US dollar / Swedish krone, Euro / UK pound, Euro / Canadian dollar, Euro / Australian dollar, Euro / New Zealand dollar, Euro / Swedish krone The foreign exchange transaction system using a multi-currency combination according to claim 1 or 2, wherein the foreign exchange transaction system is selected from the following. Fund management of foreign exchange transactions with multi-currency combined funds by each agency investment based on contracts with a limited number of agencies introduced by a specific agent and a multi-stage agency group by introduction of each agency The process of performing
A process of periodically calculating and calculating swap points generated by the fund management by each agency investment,
A process of periodically calculating a reduction fee to a specific agent at a predetermined ratio with respect to the total swap points obtained by the aggregation calculation;
The process of remittance of the reduction fee obtained by the above calculation to a specified agent's designated account periodically;
A foreign exchange trading method using a multi-currency combination characterized by including: Based on a contract with a group of more than 620 stores over 6 stages, with a maximum of 10 or more agents introduced by specific agents and 2 or more stores introduced by each agent, the total consists of more than 630 stores The process of investing in foreign exchange transactions using multi-currency combined funds from each agency investment,
The process of periodically calculating and calculating the swap points for each currency generated by the investment by each agency investment on a monthly or year basis,
A process of calculating a monthly return fee for a specific agent of 3%, which is a predetermined ratio with respect to the total swap points obtained by the calculation,
The process of remittance of the reduction fee obtained by the above calculation to a specified agent's designated account periodically;
A foreign exchange trading method using a multi-currency combination characterized by including:   The multi-currency combinations are US dollar / yen, euro / yen, British pound / yen, Australian dollar / yen, New Zealand dollar / yen, Canadian dollar / yen, Norwegian krone / yen, Swedish kroner / yen, euro / US dollar, British pound / yen. US dollar, US dollar / Canadian dollar, Australian dollar / US dollar, New Zealand dollar / US dollar, US dollar / Norwegian krone, US dollar / Swedish krone, Euro / UK pound, Euro / Canadian dollar, Euro / Australian dollar, Euro / New Zealand dollar, Euro / Swedish krone The foreign exchange transaction method using a multi-currency combination according to claim 4 or 5, characterized in that the foreign exchange transaction method is selected from among the above.

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