TWI802278B - Foreign currency managing system and inter-bank foreign currency transaction managing method - Google Patents

Abstract

A foreign currency managing system is adapted for electrically connect to a first financial system belonging to a first banking institution and a second financial system belonging to a second banking institution. The foreign currency managing system is used for: receiving a foreign currency cash withdrawal request generated by an ATM via the first financial system, transmitting a withdrawal transaction request to the second financial system upon determining that the foreign currency cash withdrawal request is related to the second banking institution, and sending a withdrawal permission notification to the first financial system upon receiving a transaction success notification from the second financial system, so that the first financial system controls the ATM to output foreign currency cash that meets the foreign currency cash withdrawal request.

Description

Foreign currency management system and cross-bank foreign currency transaction management method

The present invention relates to a management system, in particular to a foreign currency management system for managing cross-bank foreign currency transactions between different banking institutions. The present invention also relates to an inter-bank foreign currency transaction management method for managing inter-bank foreign currency transactions between different banking institutions.

In recent years, some banking institutions have begun to set up foreign currency ATMs in the country. In this way, if the public opens a foreign currency account in a banking institution with foreign currency ATMs, they can use the foreign currency ATMs they set up to deposit and withdraw foreign currency cash without being restricted by the banking institutions. Hours of operation are limited.

However, some banking institutions have a small number of foreign currency ATMs, and some banking institutions do not even have foreign currency ATMs, which makes it difficult for people who open foreign currency accounts in said banking institutions to enjoy the convenience brought by foreign currency ATMs. Therefore, there are still inconveniences to be improved in the prior art.

Therefore, one of the objectives of the present invention is to provide a foreign currency management system that can improve the inconvenience of the prior art.

The foreign currency management system of the present invention includes a first server unit, which stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for use with a first financial system and a second bank institution. The financial system is electrically connected, the first financial system is electrically connected to an automatic teller device, and the first financial system and the automatic teller device belong to a first of the banking institutions, and the second financial system belongs to In a second banking institution among the banking institutions; wherein, the first server unit is used to: receive a foreign currency cash withdrawal request generated by the automatic teller equipment according to the operation of the user through the first financial system, Wherein, the foreign currency cash withdrawal request includes a request withdrawal account information indicating a banking institution, a request withdrawal currency indicating a foreign currency, and a request withdrawal amount of the requested currency type; When the first server unit judges that the bank institution indicated by the request for withdrawal account information is the second bank institution according to the institution identification data, the first service unit generates and transmits a message containing the request for withdrawal account information, The withdrawal transaction request of the requested currency and the requested withdrawal amount is sent to the second financial system; when the first server unit receives a transaction success notification from the second financial system corresponding to the withdrawal transaction request , the first server unit transmits a withdrawal permission notification of the foreign currency cash withdrawal request to the first financial system according to the transaction success notification, wherein the withdrawal permission notification is for the first financial system to control The automatic teller device outputs foreign currency cash that meets the requested withdrawal currency and the requested withdrawal amount.

In some implementation aspects of the foreign currency management system of the present invention, the withdrawal account information of the withdrawal transaction request also indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request is in For the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and when the judgment result is yes, perform a deduction process on the target foreign currency account corresponding to the withdrawal transaction request, and When the debit processing is completed, the transaction success notification is sent to the first server unit.

In some implementation aspects of the foreign currency management system of the present invention, the foreign currency management system further includes a second server unit electrically connected to the first server unit, and the second server unit stores a pair of transaction records that should be requested to withdraw currency data, and the transaction record data includes a first inter-bank fund balance corresponding to the first banking institution, and a second inter-bank fund balance corresponding to the second banking institution. The second server unit is used for: in the first server After the unit sends the withdrawal permission notification to the first financial system, a pair of inter-bank foreign currency transaction records corresponding to foreign currency cash withdrawal requests are added to the transaction record data, and a scheduled settlement within a unit period is reached at the current time At the point in time, at least execute a clearing process according to the inter-bank foreign currency transaction record, thereby updating the first inter-bank fund balance and the second inter-bank fund balance in the transaction record data.

In some implementation aspects of the foreign currency management system of the present invention, the second server unit is also adapted to be electrically connected to a clearing bank financial system belonging to a clearing bank institution, wherein the clearing bank financial system stores a pair of corresponding first The first settlement guarantee special account of the banking institution and the second settlement guarantee special account of the corresponding second banking institution. When the current time reaches the last of a plurality of scheduled settlement time points within the unit period, the second server unit also generates and sends a settlement request including the first inter-bank fund balance and the second inter-bank fund balance to the The financial system of the clearing bank, wherein the settlement request is used by the financial system of the clearing bank to perform foreign currency transfer processing between the first special settlement guarantee account and the second special settlement guarantee account.

The invention also provides another foreign currency management system.

Another foreign currency management system provided by the present invention includes a first server unit, the first server unit stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for use with a first financial institution system is electrically connected to a second financial system, the first financial system is electrically connected to an automatic teller device, and the first financial system and the automatic teller device belong to a first banking institution among the banking institutions, and the The second financial system belongs to a second banking institution among the banking institutions; wherein, the first server unit is used to: receive a foreign currency generated by the automatic teller equipment according to the operation of the user through the first financial system A cash deposit request, wherein the foreign currency cash deposit request includes a request deposit account information indicating a banking institution, a request deposit currency indicating a foreign currency, and a pair of request deposit currency The requested deposit amount is generated by the automatic teller machine according to the foreign currency cash that is put into itself; when the first server unit determines that the requested deposit account information indicates the When the banking institution is the second banking institution, the first server unit generates and sends a deposit transaction request including the requested deposit account information, the requested deposit currency and the requested deposit amount to the second financial institution System; when the first server unit receives a transaction success notification corresponding to the deposit transaction request from the second financial system, the first server unit transmits a foreign currency cash deposit request according to the transaction success notification A deposit permission notification is sent to the first financial system, wherein the deposit permission notification is used for the first financial system to control the automatic teller device to store the foreign currency cash put into the automatic teller device.

Another object of the present invention is to provide a foreign currency transaction management method that can improve the inconvenience of the prior art

The foreign currency transaction management method of the present invention is implemented by a foreign currency management system, wherein the foreign currency management system stores an institution identification data indicating a plurality of different banking institutions, and the foreign currency management system is suitable for use with a first financial system and a first financial system Two financial systems are electrically connected, the first financial system is electrically connected to an automatic teller device, and the first financial system and the automatic teller device belong to a first banking institution among the banking institutions, and the second financial system Belonging to a second banking institution among these banking institutions; the cross-bank foreign currency transaction management method includes: the foreign currency management system receives a foreign currency cash withdrawal generated by the automatic teller equipment according to the user's operation through the first financial system A withdrawal request, wherein the foreign currency cash withdrawal request includes a request for withdrawal account information indicating a banking institution, a request for withdrawal currency indicating a foreign currency, and a request for withdrawal of the currency that should be requested for withdrawal withdrawal amount; when the foreign currency management system determines that the banking institution indicated by the request for withdrawal account information is the second banking institution based on the institution’s identification data, the foreign currency management system generates and sends a message containing the request for withdrawal account information , the withdrawal transaction request of the requested currency and the requested withdrawal amount to the second financial system; when the foreign currency management system receives a transaction success notification from the second financial system corresponding to the withdrawal transaction request , the foreign currency management system transmits a withdrawal permission notification of the foreign currency cash withdrawal request to the first financial system according to the transaction success notification, wherein the withdrawal permission notification is used for the first financial system to control the The automatic teller device outputs foreign currency cash that meets the requested withdrawal currency and the requested withdrawal amount.

In some implementation aspects of the foreign currency transaction management method of the present invention, the withdrawal account information of the withdrawal transaction request also indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request is It is used for the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and when the judgment result is yes, perform a deduction process corresponding to the withdrawal transaction request on the target foreign currency account, and When the debit processing is completed, the transaction success notification is sent to the foreign currency management system.

In some implementation aspects of the foreign currency transaction management method of the present invention, the foreign currency management system also stores a pair of transaction record data corresponding to the requested currency withdrawal, and the transaction record data includes a pair of first inter-bank transactions corresponding to the first banking institution The balance of the fund, and the balance of the second inter-bank fund corresponding to the second banking institution. After the foreign currency management system sends the notice of withdrawal permission to the first financial system, the foreign currency management system will also add a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request to the transaction record data, and, in When the current time reaches a predetermined clearing time point within a unit period, the foreign currency management system at least executes a clearing process based on the inter-bank foreign currency transaction records, thereby updating the first inter-bank fund balance and the second inter-bank fund balance in the transaction record data. Inter-bank fund balance.

In some implementation aspects of the foreign currency transaction management method of the present invention, the foreign currency management system is also adapted to be electrically connected to a clearing bank financial system belonging to a clearing bank institution, wherein the clearing bank financial system stores a pair of corresponding first The first settlement guarantee special account of the banking institution and the second settlement guarantee special account of the corresponding second banking institution. When the current time reaches the last of the multiple scheduled clearing time points within the unit period, the foreign currency management system also generates and sends a settlement request including the balance of the first inter-bank fund and the balance of the second inter-bank fund to the clearing Bank financial system, wherein the settlement request is used by the clearing bank financial system to execute foreign currency transfer processing between the first settlement guarantee special account and the second settlement guarantee special account.

The invention also provides another foreign currency management method.

Another foreign currency management method provided by the present invention is implemented by a foreign currency management system, wherein the foreign currency management system stores an institution identification data indicating a plurality of different banking institutions, and the foreign currency management system is suitable for use with a first financial institution system is electrically connected to a second financial system, the first financial system is electrically connected to an automatic teller device, and the first financial system and the automatic teller device belong to a first banking institution among the banking institutions, and the The second financial system belongs to a second banking institution among these banking institutions; the cross-bank foreign currency transaction management method includes: the foreign currency management system receives a transaction generated by the automatic teller equipment according to the user's operation through the first financial system A foreign currency cash deposit request, wherein, the foreign currency cash deposit request includes a request deposit account information indicating a banking institution, a request deposit currency indicating a foreign currency, and a pair of request deposit currency other requested deposit amount, and the requested deposit amount is generated by the automatic teller machine based on the foreign currency cash that is put into itself; when the foreign currency management system determines that the requested deposit account information indicates When the banking institution is the second banking institution, the foreign currency management system generates and sends a deposit transaction request including the requested deposit account information, the requested deposit currency and the requested deposit amount to the second financial institution system; when the foreign currency management system receives a transaction success notification corresponding to the deposit transaction request from the second financial system, the foreign currency management system transmits a deposit permission for the foreign currency cash deposit request according to the transaction success notification Notifying to the first financial system, wherein the deposit permission notification is used for the first financial system to control the automatic teller equipment to store the foreign currency cash put into the automatic teller equipment.

The effect of the present invention is that the foreign currency management system allows users to withdraw foreign currency cash from the second banking institution through the automatic teller equipment belonging to the first banking institution, or to withdraw foreign currency cash through the automatic teller equipment belonging to the first banking institution Deposit in the second banking institution, so that even if the second banking institution has no automatic teller equipment capable of depositing or withdrawing foreign currency cash at all, the user can use the automatic teller equipment installed by other banking institutions to cross-bank Deposit or withdraw foreign currency cash, and it is not restricted by the business hours of the banking institutions.

Before the present invention is described in detail, it should be noted that if there is no special definition, the "electrical connection" mentioned in this patent specification generally refers to the "wire connection" realized by connecting multiple electronic devices/devices/elements to each other through conductive materials. Electrical connection" and "radio connection" for one-way/two-way wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by direct connection between multiple electronic equipment/devices/components, and the connection between multiple electronic equipment/devices/components. The "indirect electrical connection" is formed by indirectly connecting each other through other electronic equipment/devices/components.

Referring to FIG. 1 , an embodiment of the foreign currency management system 1 of the present invention is, for example, managed by a specific organization. The specific institution is, for example, an intermediary management institution among multiple banking institutions, and is responsible for supervising and handling inter-bank foreign currency fund transfer operations and account settlement operations among these banking institutions. Moreover, the foreign currency management system 1 in this embodiment is equivalent to a system that utilizes an ATM to provide foreign currency accounts for cross-bank deposit and withdrawal of foreign currency cash.

The foreign currency management system 1 is suitable for being electrically connected to a plurality of financial systems respectively belonging to the banking institutions via a network, and capable of communicating with the financial systems, whereby the foreign currency management system 1 can be used to manage the banks Cross-bank foreign currency transactions between institutions through various foreign currencies (such as US dollars, Japanese yen, euros, etc.). For ease of description, this embodiment only uses one of the specific foreign currencies (such as US dollars, but not limited to) of these types of foreign currencies, and a first financial system 100 shown in FIG. 1 among these financial systems. A second financial system 200 and a clearing bank financial system 300 are used to illustrate the operation of the foreign currency management system 1 . It should be added that, in the actual application environment of this embodiment, different types of foreign currencies are cleared by different banking institutions, therefore, the number of the clearing bank financial systems 300 is actually a plurality.

In the exemplary application environment used to illustrate this embodiment, the first financial system 100 is used to electrically connect with an automatic teller device 101, and the first financial system 100 and the automatic teller device 101 are, for example, belong to Among these banking institutions is shown a first banking institution B1 in FIG. 1 . More specifically, the automatic teller device 101 is, for example, a foreign currency automatic deposit and withdrawal machine installed by the first banking institution B1 and having the function of withdrawing and depositing cash of the specific foreign currency. On the other hand, the second financial system 200 belongs to, for example, a second banking institution B2 shown in FIG. 1 among the banking institutions. On the other hand, the clearing bank financial system 300, for example, belongs to a clearing bank institution B3 shown in FIG. And the settlement guarantee accounts include, for example, a first settlement guarantee special account 301 corresponding to the first banking institution B1, and a second settlement guarantee special account 302 corresponding to the second banking institution B2. More specifically, the first settlement guarantee account 301 and the second settlement guarantee account 302 are, for example, cross-bank business opened by the first banking institution B1 and the second banking institution B2 in the clearing bank institution B3 respectively. Settlement guarantee account, and the first settlement guarantee account 301 and the second settlement guarantee account 302 are respectively used for the first banking institution B1 and the second banking institution B2 to deposit the settlement belonging to the specific foreign currency Guaranteed payment.

In this embodiment, the foreign currency management system 1 includes, for example, a first server unit 11 and a second server unit 12 electrically connected to the first server unit 11 . Wherein, the first server unit 11 is, for example, used as an ATM foreign currency system managed by the specific institution, and is used to carry out inter-bank foreign currency transactions between the first banking institution B1 and the second banking institution B2 one by one deal with. On the other hand, the second server unit 12 is, for example, used as a foreign currency settlement platform managed by the specific institution, and is used to record the cross-bank foreign currency between the first banking institution B1 and the second banking institution B2 transactions, and perform batch clearing and settlement on them.

More specifically, in this embodiment, the first server unit 11 stores, for example, an organization identification data D1, the organization identification data D1 includes a plurality of bank codes, for example, and indicates the banks respectively corresponding to the bank codes Institutions (including the first banking institution B1 and the second banking institution B2), whereby the first server unit 11 can identify the source and target of each inter-bank foreign currency transaction to be executed according to the institution identification data D1.

On the other hand, in this embodiment, the second server unit 12, for example, stores a pair of transaction record data D2 of the specific foreign currency, and the transaction record data D2 is at least used for the second server unit 12 to record the first An inter-bank foreign currency transaction completed in the specific foreign currency between a banking institution B1 and the second banking institution B2. In more detail, the transaction record data D2 includes, for example, a plurality of inter-bank fund balances corresponding to one of the banking institutions, and these inter-bank fund balances, for example, include a pair of first inter-bank funds corresponding to the first banking institution B1 Fund balance, and corresponding to the second inter-bank fund balance of the second banking institution B2, wherein, the first inter-bank fund balance indicates, for example, the specific foreign currency balance of the first settlement guarantee account 301, and the second inter-bank fund balance Then, for example, the specific foreign currency balance of the second settlement guarantee account 302 is indicated. Moreover, in accordance with the provisions of the "Financial Information Service Enterprise Licensing and Management Measures for Inter-bank Fund Transfer and Account Settlement", the second server unit 12 will send an indication when the balance of any inter-bank fund is lower than a corresponding warning fund level The warning notification of insufficient balance is sent to the corresponding financial system to remind the corresponding banking institution to allocate sufficient inter-bank funds to its settlement guarantee account, and thereby achieve the liquidity risk of the specific foreign currency among these financial institutions control.

It is supplemented that each of the first servo unit 11 and the second servo unit 12 can be implemented as a single server device, for example, but can also be implemented as multiple server devices electrically connected to each other. , which is not particularly limited in this embodiment.

How the foreign currency management system 1 cooperates with the first financial system 100 , the second financial system 200 and the clearing bank financial system 300 to implement a foreign currency transaction management method is exemplarily described below in detail. In this embodiment, the foreign currency transaction management method includes, for example, a foreign currency cross-bank withdrawal management part and a foreign currency cross-bank deposit management part. Therefore, the foreign currency transaction management method is equivalent to an ATM in this embodiment. Methods of depositing and withdrawing foreign currency cash. However, in other embodiments, the foreign currency transaction management method may also include only one of the foreign currency inter-bank withdrawal management part and the foreign currency inter-bank deposit management part, and is not limited to this embodiment.

Referring to FIG. 1 and FIG. 2 at the same time, the foreign currency inter-bank withdrawal management part of the foreign currency transaction management method of this embodiment will be described below.

First, in step S11, the first server unit 11 receives a foreign currency cash withdrawal request generated by the automatic teller machine 101 according to a user's operation through the first financial system 100, wherein the foreign currency cash withdrawal request The request includes, for example, a withdrawal request account information indicating a banking institution and a foreign currency account, a request withdrawal currency indicating a foreign currency, and a request withdrawal amount of the requested withdrawal currency. For the sake of illustration, it is assumed that the banking institution indicated by the request for withdrawal account information in this embodiment is the second banking institution B2, and the foreign currency account indicated by the request for withdrawal account information is, for example, provided by the second bank institution B2. A target foreign currency account 201 (shown in FIG. 1 ) opened by the second banking institution B2 for the user and stored in the second financial system 200 . In addition, the foreign currency indicated by the requested withdrawal currency is, for example, the specific foreign currency described in this embodiment.

More specifically, for example, the user may, for example, first insert a financial card issued by the second banking institution B2 and corresponding to the target foreign currency account 201 into the ATM 101 and then perform related manual operations of withdrawing money ( For example, inputting the financial card password and inputting the amount to be withdrawn), so that the ATM 101 generates and sends the foreign currency cash withdrawal request to the first server unit 11 . However, according to the cash withdrawal method supported by the automatic teller equipment 101, the user can also operate the automatic teller equipment, for example, by cardless cash withdrawal (such as QR code scanning cash withdrawal, finger vein cash withdrawal) 101, so that the ATM 101 generates and transmits the foreign currency cash withdrawal request.

After the first server unit 11 receives the foreign currency cash withdrawal request, the process proceeds to step S12.

In step S12, once the first server unit 11 receives the foreign currency cash withdrawal request, the first server unit 11 identifies which bank account information the foreign currency cash withdrawal request indicates according to the organization identification data D1 A banking institution, and, when the first server unit 11 judges that the bank institution indicated by the request for withdrawal account information is the second bank institution B2 according to the institution identification data D1, the first server unit 11 determines according to the foreign currency The cash withdrawal request generates a withdrawal transaction request corresponding to the foreign currency cash withdrawal request, and transmits the withdrawal transaction request to the second financial system 200 managed by the second banking institution B2.

In this embodiment, the withdrawal transaction request includes, for example, the account information for the withdrawal request, the currency for the withdrawal request, and the withdrawal amount for the request. Moreover, when the second financial system 200 receives the withdrawal transaction request, the second financial system 200, for example, judges whether the balance of the target foreign currency account 201 is greater than or equal to the requested withdrawal amount of the withdrawal transaction request, that is, judges Whether the balance of the target foreign currency account 201 is sufficient. And, if the second financial system 200 judges that the balance of the target foreign currency account 201 is sufficient, the second financial system 200, for example, performs a one-to-one withdrawal to the target foreign currency account 201 according to the withdrawal amount requested by the withdrawal transaction request. The deduction processing of the transaction request is to deduct the requested withdrawal amount from the current balance of the target foreign currency account 201, and the second financial system 200 also transmits a transaction corresponding to the withdrawal transaction request when the deduction processing is completed. The successful transaction is notified to the first server unit 11 of the foreign currency management system 1 .

After the first server unit 11 transmits the withdrawal transaction request to the second financial system 200, the process proceeds to step S13.

In step S13, when the first server unit 11 receives the transaction success notification corresponding to the withdrawal transaction request from the second financial system 200, the first server unit 11 generates and transmits The first financial system 100 is notified of the withdrawal permission of the foreign currency cash withdrawal request. Moreover, when the first financial system 100 receives the withdrawal permission notification, the first financial system 100, for example, grants the foreign currency cash withdrawal request, and controls the automatic teller device 101 to output the withdrawal currency and the The foreign currency cash of the withdrawal amount is requested for the user to collect.

After the first server unit 11 transmits the withdrawal permission notification to the first financial system 100, so that the first financial system 100 controls the ATM 101 to output foreign currency cash for the user to collect, the process proceeds to step S14.

In step S14 , the first server unit 11 generates, for example, an inter-bank foreign currency transaction record corresponding to the foreign currency cash withdrawal request, and transmits the inter-bank foreign currency transaction record to the second server unit 12 . For the convenience of description, the inter-bank foreign currency transaction record is regarded as a first inter-bank foreign currency transaction record in this embodiment, and the first inter-bank foreign currency transaction record includes, for example, a transaction currency, an agency identification code, a The agency identification code, the first amount to be settled corresponding to the agency identification code, and the second amount to be settled corresponding to the agency identification code.

Specifically, as an example, assume that the user inserts the financial card issued by the second banking institution B2 into the automatic teller device 101 set by the first banking institution B1, and through the automatic teller device 101 from the second The target foreign currency account 201 opened by the banking institution B2 has withdrawn 1,000 yuan in specific foreign currency, so in this example, the first banking institution B1 is equivalent to providing 1,000 yuan in specific foreign currency cash on behalf of the second banking institution B2 for the user to collect. Therefore, for this foreign currency withdrawal operation, the first banking institution B1 is equivalent to an agent banking institution, and the second banking institution B2 is equivalent to an agent banking institution, and the second banking institution B2 should Pay the specific foreign currency of 1,000 yuan to the first banking institution B1 at the time of account settlement. Therefore, in this example, the transaction currency of the first cross-bank foreign currency transaction record indicates, for example, the specific foreign currency, the agent institution identification code, for example, indicates the first banking institution B1, and the principal institution identification code, for example Indicate the second banking institution B2, further, the first amount to be settled is, for example, corresponding to the first banking institution B1, and is, for example, "1000", and the second amount to be settled is, for example, corresponding to the first 2. Banking institution B2, for example, "-1000", but not limited thereto.

After the first server unit 11 transmits the first cross-bank foreign currency transaction record to the second server unit 12, the process proceeds to step S15.

In step S15, when the second server unit 12 receives the first cross-bank foreign currency transaction record from the first server unit 11, the second server unit 12, for example, regards the first cross-bank foreign currency transaction record as a pending Clear the transaction record and add it to the transaction record data D2 to complete the accounting. Then, the flow proceeds to step S16.

In step S16, when the second server unit 12 determines that the current time reaches one of a plurality of predetermined settlement time points within a unit period, the second server unit 12 at least according to the transaction record data D2 A clearing process is executed for the first inter-bank foreign currency transaction record to complete the clearing operation corresponding to the first inter-bank foreign currency transaction record.

In this embodiment, the liquidation processing procedure includes, for example, a balance updating process, a first balance checking process, and a second balance checking process. Wherein, the balance updating process is, for example, updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data D2 at least according to the first inter-bank foreign currency transaction record and the second to-be-settled amount respectively. Fund balance. The first balance checking process is, for example, judging whether the updated balance of the first inter-bank fund is lower than a first warning fund level, and sending a warning notification indicating that the balance is insufficient to the first financial system if the judging result is yes 100. The second balance checking process is, for example, judging whether the updated balance of the second inter-bank fund is lower than a second warning fund level, and sending a warning notification indicating that the balance is insufficient to the second financial system if the judging result is yes 200.

More specifically, the unit period represents, for example, a business day, and the scheduled liquidation time points may be, for example, 9:00 am, 12:00 noon, and 3:00 pm on the business day, but not limited thereto . And, continuing the previous example, assuming that the second server unit 12 executes the clearing process only according to the first inter-bank foreign currency transaction record, the second server unit 12 updates the first inter-bank fund balance and the second inter-bank fund balance For example, the balance of the first inter-bank fund corresponding to the first banking institution B1 is accumulated by 1000, and the balance of the second inter-bank fund corresponding to the second banking institution B2 is deducted by 1000. However, it should be added that in actual implementation, there are usually multiple transaction records to be cleared in the transaction record data D2. Therefore, when the current time reaches the scheduled clearing time point, the second server unit 12, for example, The balance of each inter-bank fund is updated in a cumulative and offsetting manner based on all current transaction records to be cleared, that is, the corresponding inter-bank fund balance is updated by offsetting the receivable amount and the payable amount of the same banking institution. However, the details of updating the inter-bank fund balances by the second server unit 12 are not the focus of this patent specification, so they will not be described in detail here.

It is further explained that if the second server unit 12 determines that the current time is the last of the scheduled settlement time points within the unit period (for example, three o'clock in the afternoon of the business day, but not limited thereto), Then the second server unit 12, in addition to executing the liquidation processing program, also generates a settlement request including at least the first inter-bank fund balance and the second inter-bank fund balance when the liquidation processing program is executed, and sends the The settlement request is transmitted to the financial system 300 of the clearing bank. In other words, the second server unit 12 will send the settlement request to the clearing bank financial system 300 only when the current time reaches the last scheduled settlement time point in the unit period. Moreover, when the clearing bank financial system 300 receives the settlement request, the clearing bank financial system 300, for example, executes the first settlement guarantee account 301 and the second inter-bank fund balance according to the settlement request. Transfer processing of foreign currency funds between the second settlement guarantee account 302 (for example, transferring 1,000 yuan of specific foreign currency from the second settlement guarantee account 302 to the first settlement guarantee account 301, but not limited to ), and send a settlement success notification corresponding to the settlement request to the second server unit 12 when the foreign currency fund transfer process is completed. Moreover, the second server unit 12 also sends a first settlement completion notification and a second settlement completion notification to the first financial system 100 and the second financial system 200 respectively when receiving the settlement success notification, for example, to complete The settlement operation corresponding to the first inter-bank foreign currency transaction record.

The above is an example description of how the foreign currency management system 1 of this embodiment implements the foreign currency inter-bank withdrawal management part.

Next, referring to FIG. 1 and FIG. 3 at the same time, the foreign currency inter-bank deposit management part of the foreign currency transaction management method of this embodiment will be described below.

First, in step S21, the first server unit 11 receives a foreign currency cash deposit request generated by the automatic teller machine 101 according to a user's operation through the first financial system 100, wherein the foreign currency cash deposit The request includes, for example, a request for depositing account information indicating a banking institution and a foreign currency account, a requesting depositing currency indicating a foreign currency, and a requesting deposit amount for the requested depositing currency. For ease of description, it is assumed that the bank institution and foreign currency account indicated by the request to deposit the account information in this embodiment are the second bank institution B2 and the target foreign currency account 201 respectively. In addition, the foreign currency indicated by the requested deposit currency is, for example, the specific foreign currency described in this embodiment.

More specifically, for example, the user may, for example, first insert a financial card issued by the second banking institution B2 and corresponding to the target foreign currency account 201 into the ATM 101 and then perform a related manual operation of depositing (such as Enter the financial card password, select the foreign currency deposit option, and put the foreign currency cash to be deposited into the banknote after the banknote inlet of the automatic teller device 101 is opened), whereby, for example, the automatic teller device 101 will be put into the banknote The foreign currency cash at the bank mouth executes an automatic banknote counting program to confirm the denomination and quantity of the foreign currency cash, and then generates the requested deposit amount according to the execution result of the automatic banknote counting program, and generates and sends the foreign currency cash deposit request to the first A servo unit 11.

After the first server unit 11 receives the foreign currency cash deposit request, the process proceeds to step S22.

In step S22, once the first server unit 11 receives the foreign currency cash deposit request, the first server unit 11 identifies which account information the foreign currency cash deposit request is for according to the organization identification data D1 A banking institution, and, when the first server unit 11 judges that the bank institution indicated by the requested deposit account information is the second bank institution B2 according to the institution identification data D1, the first server unit 11 determines according to the foreign currency The cash deposit request generates a deposit transaction request corresponding to the foreign currency cash deposit request, and transmits the deposit transaction request to the second financial system 200 managed by the second banking institution B2.

In this embodiment, the deposit transaction request includes, for example, the requested deposit account information, the requested deposit currency, and the requested deposit amount. Moreover, when the second financial system 200 receives the deposit transaction request, the second financial system 200, for example, judges whether the target foreign currency account 201 is in a valid state allowing funds to be deposited. And, if the judgment result of the second financial system 200 is yes, the second financial system 200 executes a deposit process corresponding to the deposit transaction request to the target foreign currency account 201, for example, according to the requested deposit amount of the deposit transaction request, That is, the current balance of the target foreign currency account 201 is added to the requested deposit amount, and the second financial system 200 also sends another transaction success notification corresponding to the deposit transaction request to the foreign currency management system when the deposit processing is completed. The first servo unit 11 of the system 1 . It should be added that the way the second financial system 200 judges whether the target foreign currency account 201 is in a valid state is not the focus of this patent specification, so the details will not be described in detail.

After the first server unit 11 transmits the deposit transaction request to the second financial system 200, the process proceeds to step S23.

In step S23, when the first server unit 11 receives another transaction success notification corresponding to the deposit transaction request from the second financial system 200, the first server unit 11, for example, according to another transaction success notification, generates and Sending a deposit permission notification of the foreign currency cash deposit request to the first financial system 100 . Moreover, when the first financial system 100 receives the deposit permission notification, the first financial system 100, for example, grants the foreign currency cash deposit request, and controls the automatic teller machine 101 to store the foreign currency cash that has been put into the banknote slot. to the cash box contained in the automatic teller device 101, and display a foreign currency cash deposit success notification, thereby notifying the user that the foreign currency cash deposit has been completed.

After the first financial system 100 controls the ATM 101 to deposit foreign currency cash into the cash box and displays the foreign currency cash deposit success notification, the process proceeds to step S24.

In step S24 , for example, the first server unit 11 generates another inter-bank foreign currency transaction record corresponding to the foreign currency cash deposit request, and transmits the other inter-bank foreign currency transaction record to the second server unit 12 . For the convenience of description, the inter-bank foreign currency transaction record is regarded as a second inter-bank foreign currency transaction record in this embodiment, and the second inter-bank foreign currency transaction record includes, for example, another transaction currency, another agency identification code, Another agency identification code, another first amount to be settled corresponding to the agency identification code, and another second amount to be settled corresponding to the agency identification code.

To give an example, assume that the user inserts the financial card issued by the second banking institution B2 into the automatic teller device 101 set by the first banking institution B1, and through the automatic teller device 101, transfers 3000 yuan The specific foreign currency is deposited into the target foreign currency account 201 opened by the second banking institution B2. In this example, the first banking institution B1 is equivalent to acting on behalf of the second banking institution B2 to collect the foreign currency deposited by the user. 3,000 yuan in cash in a specific foreign currency. Therefore, for this foreign currency deposit operation, the first banking institution B1 is equivalent to an agent banking institution, and the second banking institution B2 is equivalent to an agent banking institution, and the first banking institution B1 should be 3,000 yuan in specific foreign currency is paid to the second banking institution B2 during account settlement. Therefore, in this example, the transaction currency of the second inter-bank foreign currency transaction record, for example, indicates the specific foreign currency, and the agency identification code of the second inter-bank foreign currency transaction record, for example, indicates the first banking institution B1, the The principal institution identification code of the second cross-bank foreign currency transaction record, for example, indicates the second banking institution B2, and further, the first amount to be settled in the second cross-bank foreign currency transaction record is, for example, corresponding to the first banking institution B1, And, for example, it is "-3000", and the second amount to be settled in the second inter-bank foreign currency transaction record is, for example, corresponding to the second banking institution B2, and is for example "3000", but not limited thereto.

After the first server unit 11 transmits the second cross-bank foreign currency transaction record to the second server unit 12, the process proceeds to step S25.

In step S25, when the second server unit 12 receives the second cross-bank foreign currency transaction record from the first server unit 11, the second server unit 12, for example, takes the second cross-bank foreign currency transaction record as another The transaction record to be cleared is added to the transaction record data D2, so as to complete the bookkeeping. Then, the flow proceeds to step S26.

In step S26, when the second server unit 12 determines that the current time reaches one of a plurality of predetermined settlement time points within a unit period, the second server unit 12 at least according to the transaction record data D2 The second inter-bank foreign currency transaction record executes the clearing process to complete the clearing operation corresponding to the second inter-bank foreign currency transaction record. Wherein, the unit period represents, for example, a business day, and the scheduled liquidation time points may be, for example, 9:00 am, 12:00 noon, and 3:00 pm on the business day, but not limited thereto. On the other hand, the way the second server unit 12 executes the liquidation processing procedure has been described in step S16 of the foreign currency cross-bank withdrawal management part, so it will not be repeated here.

In summary, by implementing the foreign currency transaction management method, the foreign currency management system 1 allows users to withdraw money from the foreign currency account opened by the second banking institution B2 through the automatic teller machine 101 installed in the first banking institution B1 Foreign currency cash, or deposit foreign currency cash into the foreign currency account opened by the second banking institution B2 through the automatic teller machine 101 set up by the first banking institution B1. In this way, even if the second banking institution B2 has no automatic teller equipment capable of withdrawing foreign currency cash at all, users can use the automatic teller equipment installed by other banking institutions to withdraw and deposit foreign currency cash across banks, and It is not limited by the business hours of the banking institution stronghold, thereby, the present embodiment has indeed improved the inconvenience of the prior art, and can indeed achieve the purpose of the present invention.

But what is described above is only an embodiment of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

1: Foreign currency management system

11: The first servo unit

12: The second servo unit

D1: Institution Identification Information

D2: Transaction record data

100: First Financial System

101:Automated teller equipment

200: Second Financial System

201: Target foreign currency account

300: Clearing bank financial system

301: The first settlement guarantee account

302: Second settlement guarantee account

B1: First Banking Institution

B2: Second Banking Institution

B3: Clearing Banking Institutions

S11~S16: Steps

S21~S26: Steps

Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a schematic block diagram, schematically depicting an embodiment of the foreign currency management system of the present invention, and a first financial system, a second financial system and a clearing bank financial system suitable for cooperating with the embodiment; Fig. 2 is a flowchart for illustratively explaining how this embodiment cooperates with the first financial system, the second financial system and the clearing bank financial system to implement a foreign currency transaction management method included in a foreign currency cross-bank withdrawal. payment management section; and Fig. 3 is a flow chart for illustratively explaining how this embodiment cooperates with the first financial system, the second financial system and the clearing bank financial system to implement a foreign currency inter-bank deposit included in the foreign currency transaction management method management part.

1: Foreign currency management system

11: The first servo unit

12: The second servo unit

D1: Institution Identification Information

D2: Transaction record data

100: First Financial System

101:Automated teller equipment

200: Second Financial System

201: Target foreign currency account

300: Clearing bank financial system

301: The first settlement guarantee account

302: Second settlement guarantee account

B1: First Banking Institution

B2: Second Banking Institution

B3: Clearing Banking Institutions

Claims (6)

A foreign currency management system, which is managed by an intermediary management agency responsible for supervising the transfer of foreign currency funds between different banks. The foreign currency management system includes a first server unit and an electrical connection to the first server. The second service unit of the unit, the first service unit stores an institution identification data indicating the banking institutions, and the first service unit is suitable for electrical connection with a first financial system and a second financial system, the first service unit A financial system is electrically connected to an ATM, and the first financial system and the ATM are attributable to a first of those banking institutions and the second financial system is attributable to one of those banking institutions A second banking institution, the second server unit stores transaction record data corresponding to a foreign currency, and the second server unit is suitable for electrical connection with a clearing bank financial system belonging to a clearing bank institution, the transaction record data Contains a pair of the first inter-bank fund balance corresponding to the first banking institution, and a pair of second inter-bank fund balance corresponding to the second banking institution, and the financial system of the clearing bank stores a pair of first settlement guarantee accounts corresponding to the first banking institution and a second settlement guarantee special account of the second banking institution; wherein: the first server unit is used to: receive a foreign currency cash withdrawal generated by the automatic teller equipment according to the operation of the user through the first financial system A withdrawal request, wherein the foreign currency cash withdrawal request includes a request for withdrawing account information indicating a banking institution, a request for withdrawing currency indicating the foreign currency, and a request for the request for withdrawing currency withdrawal amount; When the first server unit judges that the bank institution indicated by the request for withdrawal account information is the second bank institution according to the institution identification data, the first service unit generates and transmits a message containing the request for withdrawal account information, The withdrawal transaction request of the requested withdrawal currency and the requested withdrawal amount is sent to the second financial system; and when the first server unit receives a successful transaction from the second financial system corresponding to the withdrawal transaction request When notifying, the first server unit transmits a withdrawal permission notification of the foreign currency cash withdrawal request to the first financial system according to the transaction success notification, wherein the withdrawal permission notification is used for the first financial system Controlling the automatic teller equipment to output foreign currency cash that meets the requested withdrawal currency and the requested withdrawal amount; the second server unit is used to: after the first server unit sends the withdrawal permission notification to the first financial system , add a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request to the transaction record data, and when the current time reaches one of the multiple scheduled clearing time points within a unit period, at least according to the inter-bank Execute a clearing process for foreign currency transaction records, thereby updating the balance of the first inter-bank fund and the balance of the second inter-bank fund in the transaction record data, and in any of the balance of the first inter-bank fund and the second inter-bank fund sending a warning notification indicating insufficient balance to a corresponding one of the first financial system and the second financial system when the other falls below a corresponding warning fund level, wherein the unit period is one business day, and, like The scheduled liquidation time point reached at the current time is the last of the scheduled liquidation time points within the unit period, and a settlement request including the balance of the first inter-bank fund and the balance of the second inter-bank fund is generated and sent to the The financial system of the clearing bank, wherein the settlement request is used by the financial system of the clearing bank to perform foreign currency transfer processing between the first special settlement guarantee account and the second special settlement guarantee account. The foreign currency management system as described in Claim 1, wherein the withdrawal account information of the withdrawal transaction request also indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request is in For the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and when the judgment result is yes, perform a deduction process on the target foreign currency account corresponding to the withdrawal transaction request, and When the debit processing is completed, the transaction success notification is sent to the first server unit. A foreign currency management system, which is managed by an intermediary management agency responsible for supervising the transfer of foreign currency funds between different banks. The foreign currency management system includes a first server unit and an electrical connection to the first server. The second service unit of the unit, the first service unit stores an institution identification data indicating the banking institutions, and the first service unit is suitable for electrical connection with a first financial system and a second financial system, the first service unit A financial system is electrically connected to an ATM, and the first financial system and the ATM are attributable to a first of those banking institutions and the second financial system is attributable to one of those banking institutions A second banking institution, the second server unit stores a currency corresponding to a foreign currency transaction record data, and the second server unit is suitable for electrical connection with a clearing bank financial system belonging to a clearing bank institution, the transaction record data includes a pair of the first inter-bank fund balance of the first bank institution, and a Corresponding to the second inter-bank fund balance of the second banking institution, the financial system of the clearing bank stores a pair of the first settlement guarantee special account corresponding to the first banking institution and a pair of second settlement guarantee special account corresponding to the second banking institution; : the first server unit is used to: receive a foreign currency cash deposit request generated by the automatic teller machine according to the operation of the user through the first financial system, wherein the foreign currency cash deposit request includes an instruction indicating a bank Institution's request to deposit account information, a request deposit currency indicating the foreign currency, and a request deposit amount of the requested currency type, and the request deposit amount is determined by the ATM according to Generated by the foreign currency cash that is put into itself; when the first server unit determines that the bank institution indicated by the request to deposit account information is the second bank institution according to the institution identification data, the first server unit generates And send a deposit transaction request including the requested deposit account information, the requested deposit currency and the requested deposit amount to the second financial system; and when the first server unit receives a request from the second financial system And when the transaction success notification corresponding to the deposit transaction request is received, the first server unit sends a deposit permission notification corresponding to the foreign currency cash deposit request to the first financial system according to the transaction success notification, wherein the deposit permission notification is for the first financial system to control the automated cabinet The cash in foreign currency is stored in the automatic teller equipment; the second server unit is used to withdraw a pair of foreign currency cash after the first server unit transmits the deposit permission notification to the first financial system. The requested cross-bank foreign currency transaction record is added to the transaction record data, and when the current time reaches one of the multiple scheduled liquidation time points within a unit period, at least one liquidation processing procedure is executed based on the cross-bank foreign currency transaction record, In order to update the first cross-bank fund balance and the second cross-bank fund balance of the transaction record data, and when any of the first cross-bank fund balance and the second cross-bank fund balance is lower than a corresponding warning fund level Send a warning notification indicating insufficient balance to a corresponding one of the first financial system and the second financial system, wherein the unit period is one business day, and if the scheduled settlement at the current time The time point is the last of the scheduled clearing time points within the unit period, and a settlement request including the balance of the first inter-bank fund and the balance of the second inter-bank fund is generated and sent to the financial system of the clearing bank, wherein the The settlement request is used for the financial system of the clearing bank to execute the foreign currency transfer process between the first settlement guarantee special account and the second settlement guarantee special account. A method for managing inter-bank foreign currency transactions, which is implemented by a foreign currency management system, wherein the foreign currency management system is managed by an intermediary management agency responsible for supervising the transfer of inter-bank foreign currency funds between multiple different banking institutions, and stores an instruction The institution identification data of these banking institutions, and the transaction record data corresponding to one foreign currency, the foreign currency management system Suitable for electrical connection with a first financial system, a second financial system and a clearing bank financial system, the first financial system is electrically connected with an automatic teller device, and the first financial system and the automatic teller device belong to the a first banking institution among such banking institutions, the second financial system belongs to a second banking institution among these banking institutions, the clearing bank financial system belongs to a clearing banking institution, and stores a pair of the first bank The first settlement guarantee special account of the institution and the second settlement guarantee special account corresponding to the second banking institution. The institution's second inter-bank fund balance; the inter-bank foreign currency transaction management method includes: the foreign currency management system receives a foreign currency cash withdrawal request generated by the automatic teller device according to the user's operation through the first financial system, wherein the The foreign currency cash withdrawal request includes a request withdrawal account information indicating a banking institution, a request withdrawal currency indicating the foreign currency, and a request withdrawal amount of the requested currency type; when the When the foreign currency management system determines that the banking institution indicated by the account information for withdrawal request is the second banking institution based on the institution’s identification data, the foreign currency management system generates and transmits a message containing the account information for withdrawal request, the withdrawal request request A withdrawal transaction request of the currency and the requested withdrawal amount is sent to the second financial system; when the foreign currency management system receives a successful transaction notification from the second financial system corresponding to the withdrawal transaction request, the foreign currency management system According to the transaction success notification, the system sends a withdrawal permission notification corresponding to the foreign currency cash withdrawal request to the first financial system, wherein the withdrawal permission notification It is used for the first financial system to control the ATM to output foreign currency cash that meets the requested withdrawal currency and the requested withdrawal amount; and the foreign currency management system sends the withdrawal permission notification to the first financial system Afterwards, the foreign currency management system will also add a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request to the transaction record data, and the current time reaches one of the multiple scheduled clearing time points within a unit period In that case, the foreign currency management system at least executes a clearing process based on the inter-bank foreign currency transaction records, thereby updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data, and the first inter-bank fund balance and when any one of the balance of the second inter-bank fund falls below a corresponding warning fund level, a warning notice indicating insufficient balance is sent to the corresponding one of the first financial system and the second financial system, wherein , the unit period is one business day, and if the scheduled settlement time point reached at the current time is the last of the scheduled liquidation time points within the unit period, the foreign currency management system also generates and transmits a message containing the The settlement request of the balance of the first inter-bank fund and the balance of the second inter-bank fund is sent to the financial system of the clearing bank, wherein the settlement request is used by the financial system of the clearing bank to execute the settlement between the first settlement guarantee account and the second settlement guarantee account. Transfer processing of foreign currency funds between settlement guarantee accounts. The inter-bank foreign currency transaction management method as described in Claim 4, wherein, the request withdrawal account information of the withdrawal transaction request also indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request It is used for the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and if the judgment result is yes, the target foreign currency account The foreign currency account executes a deduction process for a withdrawal transaction request, and sends a successful transaction notification to the foreign currency management system when the deduction process is completed. A method for managing inter-bank foreign currency transactions, which is implemented by a foreign currency management system, wherein the foreign currency management system is managed by an intermediary management agency responsible for supervising the transfer of inter-bank foreign currency funds between multiple different banking institutions, and stores an instruction The institution identification data of these banking institutions, and the transaction record data corresponding to one foreign currency, the foreign currency management system is suitable for electrical connection with a first financial system, a second financial system and a clearing bank financial system, the second A financial system is electrically connected to an ATM, and the first financial system and the ATM are attributable to a first of those banking institutions, and the second financial system is attributable to one of these banking institutions The second banking institution, the financial system of the clearing bank belongs to a clearing banking institution, and there is a pair of the first settlement guarantee special account corresponding to the first banking institution and a second settlement guarantee special account corresponding to the second banking institution. The transaction record data includes a pair of the first inter-bank fund balance corresponding to the first banking institution, and a pair of second inter-bank fund balance corresponding to the second banking institution. The transaction record data includes a pair of first inter-bank fund corresponding to the first banking institution Balance, and the balance of the second inter-bank fund corresponding to the second banking institution; the inter-bank foreign currency transaction management method includes: the foreign currency management system receives a transaction generated by the automatic teller device according to the user's operation through the first financial system A foreign currency cash deposit request, wherein the foreign currency cash deposit request includes a request deposit account information indicating a banking institution, a request deposit currency indicating the foreign currency, and a pair of request deposit currency other requested deposit amounts, and the The amount requested to be deposited is generated by the ATM according to the foreign currency cash put into it; when the foreign currency management system determines that the bank institution indicated by the request to deposit the account information is the second In the case of a banking institution, the foreign currency management system generates and transmits a deposit transaction request including the requested deposit account information, the requested deposit currency and the requested deposit amount to the second financial system; when the foreign currency management system receives When a transaction success notification corresponding to the deposit transaction request comes from the second financial system, the foreign currency management system sends a deposit permission notification of the foreign currency cash deposit request to the first financial system according to the transaction success notification, wherein , the deposit permission notification is used for the first financial system to control the ATM to store the foreign currency cash put into the ATM; and the foreign currency management system transmits the deposit permission notification to the first financial system Afterwards, the foreign currency management system will also add a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request to the transaction record data, and the current time reaches one of the multiple scheduled clearing time points within a unit period In that case, the foreign currency management system at least executes a clearing process based on the inter-bank foreign currency transaction records, thereby updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data, and the first inter-bank fund balance and when any one of the balance of the second inter-bank fund falls below a corresponding warning fund level, a warning notice indicating insufficient balance is sent to the corresponding one of the first financial system and the second financial system, wherein , the unit period is one business day, and, if the current time The scheduled settlement time point that arrives is the last one of the scheduled liquidation time points within the unit period, and the foreign currency management system also generates and transmits a settlement request that includes the balance of the first inter-bank fund and the balance of the second inter-bank fund To the financial system of the clearing bank, wherein the settlement request is used by the financial system of the clearing bank to execute the foreign currency fund transfer process between the first settlement guarantee special account and the second settlement guarantee special account.

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