JP4589718B2 - Financial product providing system and method - Google Patents

Description

  The present invention relates to a system and method for providing a financial product, and more particularly to a system and method for providing a financial product that combines a plurality of transactions such as, for example, deposits, exchange rates, and currency options.

  Conventionally, financial products (hereinafter referred to as union financial products) that combine multiple transactions (hereinafter referred to as component transactions), such as foreign currency time deposits with currency options combined with foreign currency time deposits, are financial instruments such as banks. It is provided by an organization (for example, see Non-Patent Document 1).

  For example, foreign currency time deposits with currency options are union financial products in which the contracted interest rate can be set higher than the contracted interest rate of ordinary foreign currency time deposits, and the risk of exchange rate fluctuations up to a preset conditional exchange rate can be avoided.

  The component transactions that make up the union financial products are yen time deposits, foreign currency time deposits, currency options, exchange contracts, and the like, and each component transaction is a financial product that has been provided by financial institutions.

  Therefore, the system for providing union financial products includes a plurality of existing systems respectively corresponding to a plurality of component transactions, and the plurality of component transactions constituting the union financial products are recorded and managed in respective individual databases. .

  Conventionally, when a contract for a union financial product is concluded, the system for managing the union financial product performs an instruction for setting the configuration transaction or writing processing information to the corresponding database for each configuration transaction. A notification of the result of the bookkeeping process was received.

  Therefore, in the conventional method, when the setting of the configuration transaction or the registration of the processing information to the database fails for some reason with respect to some of the plurality of the configuration transactions constituting the union financial product, the database is normally registered. Deletion of the book entry in the database for the structured transaction was performed, and for all the composition transactions, the transaction setting or the instruction to book the process information in the database was performed again.

“SUNDAY NIKKEI α Asset Management”, Nikkei morning edition, November 7, 2004, p. 15

  However, since each component transaction is independently subject to market transaction processing, even with the conventional method, even if some information of component transactions constituting the union financial product is once recorded in the database, There has been a problem of being referred to or processed as information.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a system and method for providing union financial products that can prevent inconsistencies in the bookkeeping or shorten the inconsistency state. It is to provide.

In order to achieve such an object, the present invention provides a time deposit with a special contract that combines a time deposit, a first component transaction, and a second component transaction. The system comprises: a special deposit time deposit management system; and a foreign exchange dealing system connected to the special deal time deposit management system. Means for receiving contract conclusion request information including setting information for the first component transaction and setting information for the second component transaction combined with the deposit; and transaction storage means for storing the contract conclusion request information received from the terminal When the relative exchange dealing system, configuration information of the first configuration transactions included in the contract request information for managing processes a first configuration transaction and a second configuration transaction And a means for transmitting one telegram containing instructions for setting the second configuration transaction setting information and the first configuration transaction setting information and the second configuration transaction setting information, the exchange dealing system. Means for receiving the one message from the time deposit management system with special provisions, and according to the instructions, the first component transaction for taking out and registering the setting information of the first component transaction from the received one message Setting information recording means, second configuration transaction setting information recording means for extracting and registering setting information of the second configuration transaction from the received one message according to the instruction, setting information of the first configuration transaction, and If any of the configuration information of the second configuration transaction was not properly booked, first in a first configuration transaction configuration information posting means and the second configuration transaction configuration information posting means Means for re-posting back the bookkeeping state of configuration information and information of the second configuration transaction configuration transactions, with respect to the rider with time deposits management system, as a response corresponding to said one message, Means for transmitting one response message including the result of setting information of the first configuration transaction and the setting information of the second configuration transaction , and the transaction storage unit of the special deposit time deposit management system includes the one It records the setting results of the first configuration transaction setting information and the second configuration transaction setting information included in one response message .

  The invention according to claim 2 is the system according to claim 1, wherein the contract conclusion request information transmitted from the terminal to the time deposit management system with special contract includes provisional rate information, and the period with special contract The deposit management system includes rate information storage means for storing rate information at the time of execution of a special deposit with a special contract, provisional rate information included in the contract conclusion request information received from the terminal, and rate information storage means A rate comparison means for comparing the stored rate information at the contract time, and transmitting one telegram including an instruction to book the setting information of the first configuration transaction and the setting information of the second configuration transaction Means for the exchange dealing system when the rate comparison means matches the provisional rate information with the contracted rate information stored in the rate information storage means. To, and transmits a single message including an instruction to posting the first configuration information and configuration information of the second configuration trading transactions.

The invention according to claim 3 is a method for providing a time deposit with a special contract combining a time deposit, a first component transaction, and a second component transaction in a system constructed using a computer. The system includes a special deposit time deposit management system and a foreign exchange dealing system connected to the special agreement time deposit management system, and the exchange dealing system records setting information of the first component transaction. And a second configuration transaction setting information database for registering the configuration information of the second configuration transaction, and the method includes: Receiving, from a terminal, contract conclusion request information including setting information of the first component transaction and setting information of the second component transaction combined with the time deposit; Administration The rider with time deposits management system, a transaction memory storing the contract request information received from the terminal, the rider with time deposits management system, the first configuration transaction and a second configuration transaction For the exchange dealing system to be processed, the first configuration transaction setting information and the second configuration transaction setting information, the first configuration transaction setting information and the second information included in the contract conclusion request information Sending a message containing an instruction to book the setting information of the component transaction of the transaction, the exchange dealing system receiving the one message from the time deposit management system with special contract, and the exchange transaction In the ring system, in accordance with the instruction, the first configuration is obtained by extracting setting information of the first configuration transaction from the received one message. In the first transaction setting information recording step for recording in the transaction setting information database, and in the exchange dealing system, in accordance with the instruction, the setting information of the second component transaction is extracted from the received one message, and the second transaction a second configuration transaction configuration information posting step of posting to the configuration transaction setting information database, wherein the exchange dealing systems, one of the setting information of the setting information and the second configuration transaction of the first configuration transaction is correctly booked If no re-posting back the posting status for a first configuration transaction setting information database and the first configuration information and configuration information of the second configuration trading transactions of the second configuration transaction setting information database based on And, in the exchange dealing system, for the special deposit time deposit management system, In the response to one message, a step of transmitting one response message including a booked result of the setting information of the first component transaction and the setting information of the second component transaction , and in the special deposit time deposit management system, And a step of recording a result of writing the setting information of the first component transaction and the setting information of the second component transaction included in one response message .

  Invention of Claim 4 is the method of Claim 3, Comprising: The contract conclusion request information transmitted to the said time deposit management system with a special contract from the said terminal contains provisional rate information, The said regular contract with a special contract A rate information storage step in which the deposit management system stores rate information at the time of execution of the special deposit with a special contract, and a provisional rate included in the contract conclusion request information received from the terminal by the special deposit with a special deposit management system. A rate comparison step of comparing the information with the stored rate information of the contract, and including an instruction to book the setting information of the first configuration transaction and the setting information of the second configuration transaction The step of transmitting a telegram includes the exchange dealing system when the provisional rate information and the stored rate information on the contract coincide with each other in the rate comparison step. Relative beam, and transmits a single message including an instruction to posting the first configuration information and configuration information of the second configuration trading transactions.

  As described above, according to the present invention, a plurality of instructions for setting a plurality of constituent transactions constituting a union financial product or registering processing information in a corresponding database are transmitted in one telegram. Thus, it is possible to provide a method for providing union financial products that can prevent inconsistencies in the bookkeeping or shorten the inconsistency state.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  The system according to the present embodiment can provide union financial products configured with time deposits, currency exchange transactions, and currency option transactions as constituent transactions. For example, but not limited to, a yen time deposit with special provisions for multiple currency options, a foreign currency time deposit with special provisions for multiple currency options, or one or more currency option special deposits It is possible to provide time deposits with special contracts such as foreign currency time deposits that sometimes involve foreign exchange transactions. Options include call / put and European / knock-in / knock-out combinations.

  That is, the union financial product is a financial product that deals with a plurality of component transactions under a single contract and handles these balances as a single balance.

  Hereinafter, an embodiment according to the present invention will be described by taking, as an example, a foreign currency time deposit (hereinafter simply referred to as a foreign currency time deposit) accompanied by a foreign exchange transaction at the time of deposit, with a special contract of a plurality of currency options as a time deposit with special contract. To do.

  Here, “with exchange transaction at the time of deposit” means that the depositor who concludes a foreign currency time deposit contract withdraws from the deposit of the Yen ordinary deposit held in advance and converts it into foreign currency, that is, the exchange transaction is performed. This means that the foreign currency is used as the deposit when the foreign currency time deposit is concluded.

  The plurality of options in the present embodiment refers to a currency option that a depositor buys and sells when a foreign currency time deposit is concluded (hereinafter also referred to as deposit). The counterparty to this option is a foreign currency time deposit provider (hereinafter simply referred to as the provider). Each option is a right to buy or sell the principal and interest (foreign currency) of the foreign currency time deposit at the market price (hereinafter referred to as “reservation price”) determined by the provider at the time of deposit. Is two business days before the maturity date of the foreign currency time deposit. The conditions for the occurrence or extinction of knock-in type or knock-out type currency options are based on the market price (hereinafter referred to as the “conditional market price”) determined at the time of deposit by the foreign currency time deposit provider. The premium resulting from each option transaction is reflected in the contracted interest rate at the time of deposit. That is, a higher interest rate is set than the contracted interest rate of a normal foreign currency time deposit without a special contract.

  For example, the time deposit with special contract of the present embodiment is exercised two business days before the expiration date of the special deposit with special contract (for example, three months after the contract date) (hereinafter referred to as a judgment date). The contract is concluded on the assumption that it will be executed on the maturity date.

  In this case, whether or not to exercise is determined based on the exchange rate on the determination date.

  Depending on the exchange rate at the time of deposit, the reservation rate, the conditional rate, and the exchange rate on the date of judgment, there may be a foreign exchange gain or loss on the refund at the maturity of foreign currency time deposits. The real interest rate of foreign currency time deposits may be higher than the contracted rate when there is a foreign exchange gain, and lower than the contracted rate when there is a foreign exchange loss.

  As described above, the time deposit with special contract was explained as an example of the foreign currency time deposit with exchange transaction at the time of deposit with special provisions of multiple currency options, but it is not limited to this, and depending on the number and combination of component transactions, Various types of time deposits with special contracts can be provided.

  FIG. 1 shows a system according to a first embodiment of the present invention. The system of the present embodiment includes a customer service system 100 connected to the customer terminal 100 and the special deposit time deposit management system 300, a billing system 400 and a currency dealing system 500 connected to the special deposit time deposit management system 300. Is provided.

  The special deposit time deposit management system 300 has a function of managing the contract details of the special deposit time deposit and instructing the corresponding system to perform processing related to each component transaction. The special deposit time deposit management system 300 of the system according to the present embodiment includes a rate information database 302 that stores a contracted interest rate that is a part of the terms and conditions of the special deposit time deposit, a special deposit time deposit, and a special deposit time deposit. A merchandise information database 304 for storing processing information necessary for setting for each of the constituent transactions to be performed, a deposit execution database 306 for storing information necessary for setting a fixed deposit, which is one of the constituent transactions, and a contract number; A currency option database 308 that stores information and contract numbers necessary for setting currency options that are one of the constituent transactions, and information and contract numbers that are required to conclude a forward exchange contract that is one of the constituent transactions. A forward exchange database 310 is provided.

  The special deposit time deposit management system 300 further includes a provisional rate information database 312 for storing provisional rate information. Temporary rate information is a temporary exchange rate that is used to accept a request for concluding a provisional transaction for a special deposit with a special deposit if the market cannot be acquired due to the market being closed or at night, etc. , Information such as reservation market price, condition market price. The provisional transaction conclusion request received using the provisional rate information is judged whether or not a predetermined condition is satisfied based on a reservation market price, a conditional market price and an exchange rate at the next business start time (for example, 8:00 am). And is either a legitimate transaction conclusion request or discarded. The rate information database may be configured to record both rate information and provisional rate information.

  The advisory system 200 determines the contract date (time) of the time deposit with special contract, the exchange rate on the contract date (time) of the time deposit with special contract, and the contract date (hour) of the time deposit with special contract (for example, 8:00 am) At the maturity date (hours) of the deposit period for special deposits (for example, 3 months) and the judgment date (hours) before the maturity date (for example, 8:00 am 2 business days before the maturity date) Rate information database 202 for storing the reservation market price and the condition market price in association with each other, the contract condition / transaction conclusion request form storage device 206 for storing the terms and conditions of the special deposit with special agreement and the transaction conclusion request form, and the transaction conclusion from the depositor A transaction conclusion information database 204 for storing request information is provided.

  Further, the consulting system 200 further includes a provisional transaction information database 212 that stores provisional rate information, and a reservation transaction database 210 that stores transaction conclusion request information received using the provisional rate information as provisional transaction conclusion request information. Prepare. Temporary transaction conclusion request information is determined as to whether or not a predetermined condition is satisfied based on a reservation market price, a conditional market price, and an exchange rate at the next business start time (for example, 8:00 am). , Stored in the transaction conclusion request information database 204 and processed in the same manner as a regular transaction conclusion request.

  The customer terminal 100 is used, for example, for inquiries about the exchange rate of the reservation exchange rate and transaction conditions related to the special deposit with special contract, and the execution of the special deposit with special contract, and is operated by the depositor. The customer terminal 100 typically includes an input device such as a keyboard, a display device such as a display, and a communication device that communicates via a network such as the Internet.

  The account system 400 is a system for managing the status of assets deposited by the depositor by the provider of the time deposit with special contract. For example, information on the principal, interest rate or interest of the special contract time deposit, and currency option And an account database 402 in which information relating to a withdrawal account for withdrawing deposits of the special deposit with time deposit, and information on a yen receipt account and a foreign currency receipt account for receiving the principal and interest when the special agreement deposit is due.

  The exchange dealing system 500 is a system used for market transactions, and a currency option database 508 that stores information (including contract numbers and financial product codes) necessary for setting or processing currency options, and setting of exchange transactions. Alternatively, a currency exchange reservation database 510 that records information necessary for processing, and a component product management system 520 that records information necessary for processing received in the currency option database 508 and the currency exchange reservation database 510 are provided. In the currency option database 508 and the exchange contract database 510, information on the currency option transaction and the exchange transaction that do not constitute the special deposit with the special agreement is recorded together with information on the currency option transaction and the exchange transaction that constitute the special deposit with the special agreement.

  Next, the flow of providing a special deposit with a special contract using the system of the present embodiment will be described with reference to FIGS.

  First, in step 1000 shown in FIG. 2, the provider determines the deposit period, deposit date (hour), maturity date (hour), determination date (hour), deposit currency, conversion currency, and withdrawal currency. The rate information database 302 of the special deposit time deposit management system 300 includes the rate information including the exchange rate on the deposit date (time), the reservation and condition rates determined by the provider on the deposit date (time), and the contracted interest rate. Set to. Further, the provider of the time deposit with special agreement sets provisional rate information including provisional exchange rate, provisional reservation rate, provisional condition rate, etc. in the provisional rate information database 312.

  FIG. 5 shows information including rate information set in the rate information database 302. For example, from Figure 5, if a special deposit with a special deposit period of 3 months is deposited on November 2, 2004, the maturity date is February 2, 2005, and the judgment date is two business days before the maturity date. January 31, 2005, the deposit currency is the US dollar (USD), the conversion currency (the currency when the currency option is exercised and converted at the time of refund) is the yen (JPY), The gold currency (the currency converted into the deposit currency at the time of deposit) is Yen, the exchange rate at the time of deposit is 106.90 Yen / US dollar, the reservation rate, the condition rate and the contracted interest rate determined by the provider are 106.90, respectively. It can be seen that they are 90 yen / US dollar, 106.00 yen / US dollar and 2.0% / year.

  FIG. 6 shows provisional rate information set in the provisional rate information database 312. Temporary rate information is used to conduct reservation transactions for time deposits with special contracts, for example, during periods when it is difficult to determine and provide reservations based on exchange rates obtained from foreign exchange markets, such as nighttime and holidays, conditional rates and contracted interest rates. It is information used for. Therefore, a contract for a time deposit with a special contract is not immediately concluded using the provisional rate information.

  Next, in step 1002, the rate information database 202 and the provisional rate information database 212 of the customer service system 200 are transferred from the rate information database 302 and the provisional rate information database 312 of the special deposit time deposit management system 300, respectively. Information is transmitted and stored. The rate information database 202 and the provisional rate information database 212 of the consulting system 200 may be a copy of the rate information database 302 and the provisional rate information database 312 of the special deposit time deposit management system 300.

  Next, in step 1004, the customer terminal 100 makes an inquiry request for a contract condition including rate information of provisional time deposit or provisional rate information to the customer service system 200.

  Next, in step 1006, the consulting system 200 that has received the inquiry request from the customer terminal 100, the contract condition from the contract condition / transaction conclusion request form storage device 206, and the rate information or provisional rate information from the rate information database 202. One of the provisional rate information from the database is transmitted to the customer terminal 100 that is the inquiry source. The terms of the agreement include conditions for exercising currency options, conditions for refunding principal and interest at maturity, and other contractual conditions. Furthermore, it is possible to provide a risk of exchange rate fluctuations, a simulation of a refund amount at maturity, etc. according to the contract conditions.

  Next, in step 1008, the customer terminal 100 transmits a request for a special agreement time deposit transaction conclusion request form to the customer service system 200.

  Next, in step 1010, the customer service system 200 that has received the request for the transaction request form from the customer terminal 100 displays the transaction conclusion request form from the execution condition / transaction conclusion request form storage device 206 as the requesting customer terminal 100. Send to.

  Next, in step 1012, the transaction conclusion request information is transmitted from the customer terminal 100 to the customer service system 200. In the case of a foreign currency time deposit with a foreign exchange transaction at the time of deposit with special provisions for a plurality of currency options in this embodiment, the transaction conclusion request information is the withdrawal account information related to the account of the yen ordinary deposit held in advance by the depositor , Foreign currency deposit amount, reservation market price, conditional market price, contracted interest rate, yen receipt account information regarding an account that receives principal and interest at maturity in yen currency, and foreign currency receipt account information regarding an account received in foreign currency. Further, when a plurality of union financial products are provided from the provider, information for specifying the union financial products to be concluded is included.

  Next, when the transaction conclusion request information transmitted from the customer terminal 100 includes provisional rate information, the consulting system 200 stores the received transaction conclusion request information in the reservation transaction database 210 as provisional transaction conclusion request information. To do. The determination as to whether the transaction conclusion request information includes provisional rate information can be made based on the time at which the advisory system 200 receives the transaction conclusion request information. Alternatively, the transaction conclusion request information may include information instructing to include provisional rate information, and the information may be determined by detecting this information.

  Thereafter, after obtaining a valid exchange rate from the market, it is determined whether or not the transaction contract condition included in the provisional transaction conclusion request information satisfies a predetermined condition based on the exchange rate recorded in the rate information database 202 To do. When the transaction contract condition is satisfied, the provisional rate information included in the provisional transaction conclusion request information is replaced with the rate information for concluding the transaction and stored in the transaction conclusion request information database 204, and processing for the transaction conclusion is performed. You can continue. The determination result is stored in the reservation transaction database 210. FIG. 8 shows the state of the reservation transaction database 210. The first record corresponds to provisional transaction conclusion request information received at 23:30 on November 1, 2004. It can be seen that the exchange rate, the reservation rate, the condition rate, and the contracted interest rate are provisional rate information, and are values stored in the second record of the provisional rate information database 312 shown in FIG. Furthermore, the provisional transaction request information corresponding to the first record in the reservation transaction database 210 in FIG. 8 indicates that the transaction has been closed, and corresponds to the first record in the transaction conclusion information database 204 shown in FIG. ing. The exchange rate, reservation rate, condition rate, and contracted interest rate included in the first record of the transaction conclusion information database 204 in FIG. 7 are values stored in the first record of the rate information database 302 shown in FIG. Recognize.

  On the other hand, when the transaction conclusion request information transmitted from the customer terminal 100 includes rate information, the consulting system 200 stores the received transaction conclusion request information in the transaction conclusion information database 204 (step 1014).

  Next, in step 1016, the consulting system 200 transmits the transaction conclusion request information stored in the transaction conclusion information database 204 to the special deposit time deposit management system 300.

  Next, in step 1018, the special contract time deposit management system 300 refers to the rate information database 302, and the rate information included in the transaction conclusion request information received from the consulting system 200 indicates the contract date of the special contract time deposit. Determine if it matches the rate information.

  If the rate information included in the transaction conclusion request information does not match at step 1018, the contractual deposit management system 300 notifies the customer system 200 of the transaction failure and is stored in the reservation transaction database 210 of the customer system 200. (Step 1020).

  When the rate information included in the transaction conclusion request information matches in step 1018, the special contract time deposit management system 300 refers to the product information database 304, and the transaction of the constituent transactions constituting the special time deposit with special contract regarding the transaction conclusion request information is performed. Processing information necessary for setting or processing for each is extracted (step 1022). FIG. 9 shows the state of the product information database 304. For example, when dealing with the time deposit 3 with the special contract based on the transaction conclusion request information, by referring to the product information database 304, the foreign currency time deposit, the foreign exchange transaction, the currency option 1 sale, the currency option constituting the special time deposit 3 Processing information necessary for setting for each of 2 buys and 3 currency options is sold.

  Next, in step 1024 shown in FIG. 3, the special deposit time deposit management system 300 extracts the time deposit setting information from the transaction conclusion request information based on the processing information extracted in step 1022, and associates the deposit commitment with the contract number. Stored in database 306. Further, the time deposit setting information and the contract number are transmitted to the accounting system 400.

  FIG. 10 shows the state of the deposit contract database 306. The first record in FIG. 10 corresponds to the transaction request information stored in the first record in FIG. In the deposit agreement database 306, in addition to the fixed deposit setting information shown in FIG. 10, information necessary for setting or processing each component transaction is extracted and stored.

  Next, in step 1026, the time deposit setting information and the contract number are transmitted from the time deposit management system 300 with special contract to the account system 400, and are recorded and managed in the account database 402 of the account system 400.

  Next, in step 1028, the account system 400 notifies the special deposit time deposit management system 300 of whether or not the book has been successfully stored, and stores it in the deposit agreement database 306 of the special deposit time deposit management system 300.

  In step 1030, the special contract time deposit management system 300 notifies the customer system 200 that the transaction has been concluded and is stored in the transaction conclusion request information database of the customer system 200.

  In step 1032, the special deposit time deposit management system 300 extracts information necessary for setting the currency option and information necessary for concluding the exchange contract from the transaction conclusion request information based on the processing information extracted in step 1022. The transaction number generated in step 1024 is stored in the currency option database 308 and the exchange reservation database 310, and exchange transaction setting information, currency option 1 selling setting information, currency option 2 buying setting information, and currency option 3 selling Instructions for recording the setting information are collected in one electronic message and transmitted to the exchange dealing system 500.

  Next, in step 1034, the component merchandise management system 520 of the exchange dealing system 500 takes out the exchange transaction setting information from the received message and stores it in the exchange reservation database 510, and buys the currency option 1 sale setting information and the currency option 2 purchase. And the setting information of currency option 3 selling are extracted and entered in the currency option database 508.

  The currency option database 508 and the exchange reservation database 510 each notify the component product management system 520 of the result of the book entry.

  Next, in step 1036, if both the information necessary for setting the currency option and the information necessary for concluding the exchange contract are correctly recorded, the information is correctly recorded from the exchange dealing system 500 to the special deposit time deposit management system 300. A notice to that effect is made.

  When either the information necessary for setting the currency option or the information necessary for concluding the exchange contract is not correctly recorded, the component product management system 520 restores the state of the currency option database 508 and the exchange contract database 510 to the original state. In such a case, it is attempted to book again in the currency option database 508 of information necessary for setting the currency option, and to book in the currency exchange database 510 of information necessary to conclude the currency exchange contract. When both the information necessary for setting the currency option and the information necessary for concluding the exchange contract are correctly recorded, the exchange dealing system 500 notifies the special contract time deposit management system 300 that the information has been correctly recorded. The

  Similarly, when both the information necessary for setting the currency option and the information necessary for concluding the exchange contract are not correctly recorded, the information necessary for setting the currency option is again recorded in the currency option database 508, and the currency exchange An attempt is made to book the information necessary for concluding the reservation in the exchange reservation database 510. When both the information necessary for setting the currency option and the information necessary for concluding the exchange contract are correctly recorded, the exchange dealing system 500 notifies the special contract time deposit management system 300 that the information has been correctly recorded. The

  Information required for setting currency options is entered into the currency option database 508 and information required for conclusion of exchange contracts is entered into the exchange reservation database 510 a predetermined number of times. If both of the necessary information are not correctly recorded, the state of the currency option database 508 and the exchange contract database 510 is restored, and the exchange dealing system 500 is not correctly registered to the special deposit time deposit management system 300. A notice to that effect is made. Further, in this case, information that has not been correctly recorded is recorded in the currency option database 508 and the exchange reservation database 510 using other means.

  Information required for setting or processing currency options notified from the foreign exchange dealing system 500 to the special deposit time deposit management system 300 and the result of the bookkeeping processing of information necessary for setting or processing the foreign exchange transaction are the time deposit management with special agreement. It is recorded in the currency option database 308 and the exchange contract database 310 of the system 300.

  Next, on the determination date, in step 1037 shown in FIG. 4, the exchange dealing system 500 refers to the currency option database 508 to determine whether or not to exercise the corresponding currency option on the determination date. A currency option with a deposit financial product code is extracted, and the determination result is notified to the special deposit time deposit management system 300. The special deposit time deposit management system 300 receives the determination result (step 1038). Further, the exchange dealing system 500 processes currency options. If the currency option is exercised, a foreign exchange contract is generated (step 1043).

  Next, an instruction to book a foreign exchange reservation is made from the special deposit time deposit management system 300 to the account system 400 (step 1039), and the account system 400 receives this and stores it in the account database 402 (step 1040).

  Next, on the maturity date, in step 1041, the special contract time deposit management system 300 instructs the account system 400 to cancel the special contract time deposit. In step 1042, the billing system 400 performs the special contract time deposit cancellation processing based on the instruction received in step 1041.

The block diagram which shows the system concerning one Embodiment of this invention. The figure which shows a part of flow which provides a time deposit with a special contract using the system concerning one Embodiment of this invention. The figure which shows a part of flow which provides a time deposit with a special contract using the system concerning one Embodiment of this invention following the flow shown in FIG. The figure which shows a part of flow which provides a time deposit with a special contract using the system concerning one Embodiment of this invention following the flow shown in FIG. The figure which shows the rate information database which concerns on embodiment of this invention. The figure which shows the temporary rate information database which concerns on embodiment of this invention. The figure which shows the transaction conclusion information database which concerns on embodiment of this invention. The figure which shows the reservation transaction database which concerns on embodiment of this invention. The figure which shows the merchandise information database which concerns on embodiment of this invention. The figure which shows the deposit contract database which concerns on embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 Customer terminal 200 Counterpart system 202,302 Rate information database 204 Transaction conclusion request information database 206 Contract conditions and transaction conclusion request form storage device 210 Reservation transaction database 212,312 Temporary rate information database 300 Time deposit management system with special contract 304 Product information Database 306 Deposit execution database 308 Currency option database 310 Exchange reservation database 400 Account system 500 Exchange dealing system 508 Currency option database 510 Exchange reservation database 520 Component product management system

Claims (4)

A system for providing a time deposit with a special contract combining a time deposit, a first component transaction, and a second component transaction, the system comprising a time deposit management system with a special contract and the time deposit management with a special contract A currency dealing system connected to the system,
The time deposit management system with special contract is
Means for receiving from the terminal contract conclusion request information including setting information of the first component transaction and setting information of the second component transaction combined with the time deposit;
Transaction storage means for storing the contract conclusion request information received from the terminal;
Setting information for the first configuration transaction and setting information for the second configuration transaction included in the contract conclusion request information for the exchange dealing system that manages and processes the first configuration transaction and the second configuration transaction And means for transmitting one telegram including an instruction to book the setting information of the first configuration transaction and the setting information of the second configuration transaction,
The exchange dealing system is
Means for receiving the one message from the special deposit time deposit management system;
In accordance with the instructions, first configuration transaction setting information recording means for taking out and recording the first configuration transaction setting information from the received one message,
In accordance with the instruction, second configuration transaction setting information recording means for taking out and recording the setting information of the second configuration transaction from the received one message,
First in a first case where any one of the transaction configuration information and information of the second configuration transaction was not properly booked, the first configuration transaction configuration information posting means and the second configuration transaction configuration information posting means 1 It means for re-posting back the bookkeeping state for setting information of the configuration information and the second configuration trading transactions based,
To the rider with time deposits management system, as a response corresponding to the one message, sending one response message including posting results of setting information of the setting information and the second configuration transaction of the first configuration transaction and means,
The transaction storage means of the special deposit time deposit management system records the recording result of the setting information of the first component transaction and the setting information of the second component transaction included in the one response message. System. The contract conclusion request information transmitted from the terminal to the special deposit time deposit management system includes provisional rate information,
The time deposit management system with special contract is
Rate information storage means for storing rate information at the time of execution of a special deposit with a special agreement;
Further comprising: rate comparison means for comparing the provisional rate information included in the contract conclusion request information received from the terminal with the rate information at the contract time stored in the rate information storage means;
The means for transmitting one telegram including an instruction to book the setting information of the first configuration transaction and the setting information of the second configuration transaction is stored in the provisional rate information and the rate information storage unit by the rate comparison unit. A message containing an instruction to make the exchange dealing system book the setting information of the first component transaction and the setting information of the second component transaction when the exchange rate information matches The system according to claim 1, wherein: In a system constructed using a computer, a method for providing a time deposit with a special contract combining a time deposit, a first component transaction, and a second component transaction,
The system includes a time deposit management system with a special contract, and an exchange dealing system connected to the time deposit management system with a special contract,
The exchange dealing system includes a first configuration transaction setting information database for recording first configuration transaction setting information and a second configuration transaction setting information for recording second configuration transaction setting information. With a database,
The method
Receiving the contract conclusion request information including the setting information of the first component transaction and the setting information of the second component transaction, which is combined with the time deposit, from the terminal;
Transaction storage step for storing the contract conclusion request information received from the terminal by the special deposit time deposit management system;
Setting information of the first component transaction included in the contract conclusion request information for the exchange dealing system in which the special deposit time deposit management system manages and processes the first component transaction and the second component transaction Sending one telegram including instructions for setting the second configuration transaction setting information and the first configuration transaction setting information and the second configuration transaction setting information;
The exchange dealing system receives the one message from the special deposit time deposit management system;
In the exchange dealing system, in accordance with the instruction, a first configuration transaction setting information recording step of taking out configuration information of the first configuration transaction from the received one message and registering it in a first configuration transaction setting information database; ,
In the exchange dealing system, in accordance with the instruction, a second configuration transaction setting information recording step of extracting setting information of the second configuration transaction from the received one message and registering it in a second configuration transaction setting information database; ,
In the above exchange dealing system, if any of the setting information of the setting information and the second configuration transaction of the first configuration transaction was not properly booked, first configuration transaction setting information database and a second configuration transaction set and re-posting back the posting status for the first configuration information and configuration information of the second configuration trading transaction information database based on,
In the exchange dealing system, a response result corresponding to the one electronic message with respect to the special deposit time deposit management system includes a booked result of setting information of the first component transaction and setting information of the second component transaction Sending one response message ;
In the time deposit management system with special provisions, the method includes the step of recording the setting results of the first configuration transaction setting information and the second configuration transaction setting information included in the one response message. how to. The contract conclusion request information transmitted from the terminal to the special deposit time deposit management system includes provisional rate information,
A rate information storage step in which the special deposit time deposit management system stores rate information at the time of execution of a special deposit time deposit;
The special deposit time deposit management system further includes a rate comparison step of comparing the provisional rate information included in the contract conclusion request information received from the terminal and the stored rate information of the contract.
The step of transmitting one message including an instruction to book the setting information of the first configuration transaction and the setting information of the second configuration transaction includes the provisional rate information and the stored contract time by the rate comparison step. When the rate information matches, sending one telegram including an instruction to book the setting information of the first component transaction and the setting information of the second component transaction to the exchange dealing system. 4. A method according to claim 3, characterized in that

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