CN103729793A - Overseas remittance system and overseas remittance method - Google Patents
Overseas remittance system and overseas remittance method Download PDFInfo
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- CN103729793A CN103729793A CN201310094954.9A CN201310094954A CN103729793A CN 103729793 A CN103729793 A CN 103729793A CN 201310094954 A CN201310094954 A CN 201310094954A CN 103729793 A CN103729793 A CN 103729793A
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Abstract
According to an overseas remittance system and an overseas remittance method of the present invention, the remittance business can be retained in a subsidiary bank not holding SWIFT-BIC to thereby realize the overseas remittance. The overseas remittance system possesses the following functions of controlling the approval processes of the trading cases for sending/receiving remittance in the subsidiary banks of a bank; creating a subpoena request to the general ledger of an account system by utilizing the SWIFT-BIC in the subsidiary bank not holding SWIFT-BIC after the approval process is finished, and detecting the completion of creating the subpoena request from the account system; generating remittance details used for a standing order for other subsidiary banks holding SWIFT-BIC; distinguishing settlement accounts automatically according to a settlement information table in which the information of the deposit accounts and the pre-storing accounts among the subsidiary banks is stored when the remittance details are generated; sending a message file to a SWIFT network by using the SWIFT-BIC held by the other cisborder subsidiary banks on the condition that the trading cases are overseas remittance.
Description
Technical field
The present invention relates to overseas funds transfer system and overseas money transfer method.Be particularly related to about the funds transfer system overseas of the remittance in foreign currencies between the remittance overseas carrying out in China and China branch and money transfer method overseas.
Background technology
The bank that uses international remittance system, need to obtain the Telecommunication by SWIFT(Society for Worldwide Interbank Financial: finance society for telecommunication of global cooperative bank) the financial institution's cognizance code (with reference to non-patent literature 1) that is known as SWIFT code or BIC code (Bank Identifier Code: bank's cognizance code) that provides.SWIFT-BIC code is by ISO(the International Organization for Stand) standard format of financial institution's cognizance code of approval, in order to specify bank all over the world to determine, be used to international remittance between bank etc.
Non-patent literature
Non-patent literature 1:Online Bank Swift Code Database, " What is Bank Swift Code? " ［ ONLINE ］, ［ retrieval on September 25th, 2012 ］, internet <URL:http: //www.swiftbic.com/what-is-bank-swift-code.htmlGreatT.Grea T.GT
In specific country, for example China, need to implement the document management of remittance overseas in branch bank, to the report of authorities etc.Therefore, different within the border from Japan, the centralized management of business is very difficult.
Fig. 1 is the concept map of the back-end system of the current bank of China.As shown in the figure, when offering new branch (newline) within Chinese territory, need to obtain new SWIFT-BIC code (following, referred to as BIC), and in each back-end system of settlement system, funds transfer system, accounting system, need to implement and offer newline to adjust accordingly.
But, in order to obtain/maintain BIC, need large amounts of expense and the standing charges of obtaining.In addition, obtain the time that BIC need to be longer, therefore limited the schedule of offering branch.In order to solve above problem, even if need to build also can the remit money funds transfer system overseas of business processing of a kind of and the existing subbranch that does not clash and do not obtain BIC for carrying out the system of miscellaneous service processing of this bank.
Summary of the invention
Therefore, in view of the above problems, the object of the present invention is to provide one funds transfer system overseas, it can be in remittance service distribution in the case of each branch within Chinese territory, and the shared BIC of new branch that the BIC that the branch having arranged within Chinese territory has been obtained offers in China as this branch and this bank carries out remittance business.Be that object is to provide one funds transfer system overseas, as shown in Figure 2, be located at the X of point behavior higher level branch that has obtained BIC within Chinese territory, make new subbranch can be used as branch of subordinate to process the remittance of newline.
In order to address the above problem, funds transfer system overseas of the present invention provides following solution.
The invention of the 1st aspect is characterised in that to have: accounting system, the general ledger of the account of its storage bank; And transaction workflow control part, it is in each branch of described bank, for the transaction case that sends remittance/reception remittance, control the process of examining that creates subpoena, detailed survey, examines, in the branch not holding as the SWIFT-BIC of bank identification number, the invention of the 1st aspect has: (POSTING) portion that transfers items, and when the described process of examining completes, its general ledger to described accounting system sends book keeping operation request; (LISTENER) portion of monitoring, it detects completing of book keeping operation request from described accounting system; The detailed generating unit of remitting money, it generates the remittance detail of entrusting for transferring accounts to other the domestic branch that holds described SWIFT-BIC after described monitoring portion detects that described book keeping operation request has completed; Settlement accounts automatic discrimination portion, when generating described remittance detail, its basis stores the settlement information table of the information of the savings account between described branch and the account that prestores, automatic discrimination settlement accounts; And SWIFT I/F(interface) portion, it is overseas remit money in the situation that in described transaction case, when described monitoring portion detects that described book keeping operation request has completed, the SWIFT-BIC that uses other domestic branch to hold, sends text file to SWIFT network.
According to said structure, even do not there is the branch of SWIFT-BIC, by use, hold the SWIFT-BIC of the branch of SWIFT-BIC, also can retain to remittance business overseas and overseas remit money in each branch.
The invention of the 2nd aspect is characterised in that, in the invention aspect the 1st, the transaction case of described transmission remittance/receive remittance comprises the remittance in foreign currencies between domestic branch.
According to said structure, can not utilize SWIFT system and the mechanism of the direct funds transfer system overseas to remittance in foreign currencies application the 1st aspect between domestic branch.
The invention of the 3rd aspect is characterised in that, in the invention aspect the 2nd, the branch of remitting money between described domestic branch is the branch that does not hold SWIFT-BIC, and the branch that holds described SWIFT-BIC is generated to the remittance detail of entrusting for transferring accounts.
According to said structure, point provisional capital that sends remittance side, reception remittance side between domestic branch while remitting money is not held SWIFT-BIC, the branch (higher level branch) that holds SWIFT-BIC is sent to the trust of transferring accounts, thus, can carry out the processing of transferring accounts of foreign exchange by the savings account (settlement accounts) of higher level branch management.
The invention of the 4th aspect is characterised in that, in invention aspect the 1st, on commission, in the branch of internal account transfer, described in described transaction workflow control part makes, the process of examining is carried out STP(Straight Through Processing: through type processing) process.
According to said structure, on commission examination and approval work flow process in the branch of internal account transfer is processed (STP processings) automatically, therefore, can prevent from producing in lines new labour transferring accounts to entrust.
The invention of the 5th aspect, is a kind of method of remittance overseas, it is characterized in that, comprises: in each branch of bank, for the transaction case control that sends remittance/receive remittance create subpoena, detailed survey, the step of the process of examining of examining; In the branch not holding as the SWIFT-BIC of bank identification number, when the described process of examining completes, to the general ledger of accounting system, send the step of book keeping operation request; From described accounting system, detect the step completing of book keeping operation request; When detecting that described book keeping operation request completes, to holding other the domestic branch of described SWIFT-BIC, generate the detailed step that generates of remittance of the remittance detail of entrusting for transferring accounts; When generating described remittance when detailed, according to the settlement information table of information of having stored the savings account between described branch and the account that prestores, the step of automatic discrimination settlement accounts; And be overseas remit money in the situation that in described transaction case, when described monitoring portion detects that described book keeping operation request has completed, the SWIFT-BIC that uses other domestic branch to hold, sends the step of text file to SWIFT network.
The invention of above-mentioned the 5th aspect is the money transfer method overseas that computing machine is carried out, and realizes the invention of the funds transfer system overseas of the 1st aspect, has same action effect with the invention of the 1st aspect.
According to the present invention, following funds transfer system overseas can be provided, when offering newline, need to not expend expense and time in order to obtain new BIC, can be scattered under the state of each branch in remittance business, the obtained BIC of branch that utilization has arranged in China, carries out remittance business using this BIC as the shared BIC of the new branch offering in China with this bank.; using the branch that has obtained BIC within Chinese territory as higher level branch; make new subbranch can be used as subordinate branch to process the remittance of newline; thus, even if can build also can the remit money funds transfer system overseas of business processing of a kind of and the existing subbranch that does not clash and do not obtain BIC for carrying out the system of miscellaneous service processing of this bank.
Accompanying drawing explanation
Fig. 1 is the concept map of the back-end system while offering newline in China at present.
Fig. 2 is the concept map of the back-end system as object of the present invention, while offering newline in China.
Fig. 3 is the overview of system architecture and the figure of functional module that funds transfer system 10 is shown.
Fig. 4 is the transmission remittance side of processing in funds transfer system 10 and the concept map that receives the transmission remittance/reception remittance flow process between remittance side.
Fig. 5 is the figure that is illustrated in an example of the settlement information table 17 using in settlement accounts automatic discrimination portion 16.
Fig. 6 is the concept map of the remittance flow process (between A-higher level branch of branch of subordinate) between branch within Chinese territory.
Fig. 7 is the concept map of the remittance flow process (between the B of A-subordinate branch of branch of subordinate) between branch within Chinese territory.
Fig. 8 illustrates that receiving text accepts the figure of an example of book picture 18.
Label declaration
Embodiment
Below, with reference to accompanying drawing, to being described in detail for implementing mode of the present invention (following, to be called embodiment).In addition, in the whole explanation of embodiment to the identical numbering of identical element annotation or label.
Fig. 3 is the overview of system architecture and the figure of functional module illustrating as the funds transfer system 10 of one embodiment of the present invention.As shown in the figure, funds transfer system 10 forms the core of funds transfer system overseas of the present invention, via SWIFT network 21, is connected at branch 22 and other row 23 of other country with one's own profession.
In addition, funds transfer system 10 via branch's network 31 overseas and China in lines accounting system 30 be connected, and, via network in banking institution 41 and SWIFT settlement system 20 and EB(Electronic Banking: e-bank), EB system 40 is connected, wherein, this EB system 40 provides about account inquiries and the capital transfer of account of branch overseas by internet.
As the example of a functional structure, funds transfer system 10 comprises following part and forms: the transaction workflow control part 11 of controlling the workflow of transaction in bank; The SWIFT I/F portion 12 of the interface (I/F) of control and each external system; EB system I/F portion 13; The accounting system I/F of branch portion 14 overseas; As the detailed generating unit 15 of remittance of inner function part; And settlement accounts automatic discrimination portion 16.Below, successively each function part is described.
Transaction workflow control part 11 is controlled for carrying out entering (Entry), detailed survey (Check), examining the workflow of examining process in such bank such as (Approve) of transaction, and the picture towards each responsible official is also provided.Transaction workflow control part 11 is also controlled text described later and is accepted book picture 18.In addition, sending remittance side (Outward), examining that process need enters, detailed survey, examine the processing in these 3 stages, and receiving remittance side (Inward), mostly by entering, detailed survey the processing of examining these two steps just can complete.
SWIFT I/F portion 12 is via SWIFT settlement system 20, controls and the interface of SWIFT network 21, manages it and 23 carries out the exchange of text the branch 22 of other country or he with the one's own profession that is connected in SWIFT network 21.More particularly, SWIFT I/F portion 12 is by forming below: " SWIFT OUT ", it is by FTP(File Transfer Protocol: file transfer protocol (FTP)) SWIFT text file is uploaded to (put) in SWIFT OUT file; " SWIFT IN ", it is taken into (get) by FTP in SWIFT IN file by SWIFT text file; And " SWIFT ACK ", it receives the acknowledge character (Ack) of SWIFT OUT.When sending SWIFT text with SWIFT OUT, use the BIC of " higher level branch " described later.In addition, SWIFT OUT, SWIFT ACK, SWIFT IN are activated as background process (BGP).
EB(Electronic Banking: e-bank) system I/F portion 13 is interface portion that EB system 40 is connected with funds transfer system 10, control the exchanges data between EB system 40, wherein, this EB system 40 provides about EB services such as the account inquiries of external account and capital transfers by internet.
Overseas the accounting system I/F of branch portion 14 is via the interface of branch's network 31 controls overseas and China branch accounting system 30.Overseas the accounting system I/F of branch portion 14 also comprises: " portion transfers items ", and it is activated as BGP, in accounting system, according to the general ledger of each branch maintenance, sends book keeping operation request; And " monitoring portion ", it is similarly activated as BGP, detect for book keeping operation request, from the book keeping operation of China branch accounting system 30, complete notice.
The detailed generating unit 15 of remitting money receives when the book keeping operation that comes from China branch accounting system 30 completes notice and is activated in aforesaid monitoring portion, and transaction workflow control part 11 is upgraded to the status information that the book keeping operation for representing China branch accounting system 30 completes.The transaction workflow control part 11 that receives the notice that book keeping operation normally completes asks SWIFT I/F portion 12 to carry out above-mentioned SWIFT OUT, SWIFT I/F portion 12 receives after the SWIFT ACK from SWIFT settlement system 20, more the status information about this transaction of New Transaction workflow control part 11.
In addition, the detailed generating unit 15 of remitting money generates to the internal account transfer of remittance destination branch (receiving remittance branch) and entrusts, and remittance is detailed.Now, call settlement accounts automatic discrimination portion 16, use settlement information table described later automatically to differentiate the account that prestores, the savings account of other row or other branches.About transmission remittance side now with receive treatment scheme between remittance side, send remittance/receive the flow process of remitting money, in figure described later, at length describe.
The functional structure of above-mentioned funds transfer system 10 is only an example, also can be configured to and be partitioned into a function part again, or multiple function parts are merged into a function part.Each function part is realized by following: be built in the CPU(Central Processing Unit in device: CPU (central processing unit)) read and be stored in ROM(Read Only Memory: ROM (read-only memory)) or the memory storage such as hard disk in computer program, the computer program of being carried out by CPU is from being stored in the database (DB memory storage; Data Base) or storer on storage area in essential data such as read-write table etc., according to different situations, associated hardware (for example, input-output unit, display device, communication interface) is controlled.In addition, above-mentioned database (DB) can be commercial data base, can be also the aggregate of simple table or file, and the inner structure of database own is not limited.
Fig. 4 is the transmission remittance side of processing in funds transfer system 10 and the concept map that receives the transmission remittance/reception remittance flow process between remittance side.First, consider the situation from certain China branch to bank transfer overseas.At this, China branch is made as to the branch that not yet obtains BIC.By this BIC of not obtaining and by the branch of the business of remitting money is called BIC integration branch of subordinate or is called for short and does branch of subordinate with obtaining branch's " integration " of BIC.In addition, by above-mentioned obtained BIC and BIC integrated to branch that subordinate branch integrates be called that BIC integrates higher level's row or abbreviation does higher level branch.In addition, in figure by the order (number of steps) of the zero numeral processing of enclosing.
In the transmission remittance flow process in Fig. 4 left side, first, in branch of Chinese subordinate, manually or semi-automatically generate the detailed text (establishment subpoena) of remittance, and input as the entering (Entry) of workflow.
After entering in branch of Chinese subordinate, detailed survey, the workflow of examining complete, as step 1, the general ledger of this subordinate branch of portion to China branch accounting system 30 that transfer items sends book keeping operation request.Now, in book keeping operation request, in debit, (DR:DebitoR) sets the customer account that sends remittance, on the plus side of the account in (CR:CreditoR) set the higher level branch account that prestores.(step 2) after the result of this book keeping operation request in monitoring portion, detected, notify generation person (Maker) or the person of examining (Approver) of the establishment subpoena of above-mentioned workflow, or the state (step 3) of this case in New Transaction workflow control part 11 more.
In addition, the detailed generating unit 15(of the remittance that started by monitoring portion omits diagram) remittance detail that the transaction workflow control part 11 of Chinese higher level branch is generated for internal account transfer, enter Entry workflow (step 3 ').Now, set the savings account of branch of Chinese subordinate by settlement accounts automatic discrimination portion 16 in DR, in CR, setting text reception is due from bank account (Nostro Account).
Due from bank account is our account of carrying out the capital settlement of concluding the business between bank, is the settlement accounts that can use local currency clearing in foreign country.Conventionally, in the foreign exchange transaction between bank, the settlement accounts of foreign exchange must be informed to bank of opposite side.
Enter the workflow of (Entry) higher level branch by " STP " processing execution.At this, STP(Straight Through Processing: through type processing) refer to not via staff but by computing machine, a series of transaction is automatically processed.Make to carry out STP processing in the workflow of higher level branch side, can directly utilize thus the program of existing system.
In addition, in step 3,11(is not shown for transaction workflow control part) receive and complete from the book keeping operation of monitoring portion after, entrust the SWIFT I/F 12(of portion not shown) carry out SWIFT OUT(step 4).Wherein, in SWIFT text at this moment, use the BIC of higher level branch.In addition, this SWIFT OUT complete (SWIFT ACK) also notifies the step 5) to transaction workflow control part 11(.
After the higher level side STP of branch workflow after treatment completes, in step 4 ' in, the account request book keeping operation of the higher level branch of the portion that transfers items of higher level branch side to China branch accounting system 30.
In step 5, the monitoring portion of higher level branch side receives after the notice completing from the book keeping operation of China branch accounting system 30, and also notice is controlled the transaction workflow control part 11 that STP processes, and upgrades its state.
By above step, the remittance overseas from subordinate branch to bank of other country etc. completes.At this, wish to gain attention, higher level branch does not replace the processing of carrying out branch of subordinate, to the outward service of SWIFT network etc., processes all and is undertaken by branch of subordinate.
In Fig. 4 right side, illustrated and received remittance flow process.Receiving in remittance flow process, from bank overseas etc., via SWIFT network 21, according to the account that is included in SWIFT IN and obtains by FTP in the text file of (Get), differentiate the branch that receives remittance.If give the client's of Chinese higher level branch remittance, by the common remittance in higher level branch finish dealing with (step 1 ').If text file is to the remittance of branch of Chinese subordinate, carry out following step.
First, in branch of Chinese subordinate, manually or semi-automatically generate the detailed text of remittance, and input (step 1) as the entering (Entry) of transaction workflow.At this moment, use and receive text and accept book picture 18 and carry out responsible official's distribution and the condition managing of later text.
After being created the detailed survey of text of subpoena the approval process of examining and completing, the account of the branch of subordinate by the portion of transferring items to China branch accounting system 30 sends book keeping operation request (step 2).Now, in debit (DR), set the higher level branch account that prestores, in (CR), set on the plus side of the account the account as the client of recipient's branch of Chinese subordinate.After this book keeping operation request completes, the monitoring portion of branch of subordinate detects the (step 3) that completes of this book keeping operation request, notifies transaction workflow control part 11, or upgrades the state (step 4) of this transaction.
Monitoring portion starts the detailed generating unit 15 of remittance, the detailed generating unit 15 of remitting money generates the remittance detail of entrusting for the internal account transfer between branch of subordinate and higher level branch, enter the transaction workflow control part 11 of (Entry) higher level branch, as the STP workflow (step 4 ') that starts to conclude the business.Now, by settlement accounts automatic discrimination portion 16, in DR, set the due from bank account of text transmit leg, in CR, set the savings account of branch of subordinate.
After the STP of the workflow in higher level branch finishes dealing with, the account of the higher level branch of the portion that transfers items of higher level branch side to China branch accounting system 30 sends book keeping operation request (step 5).Now, in debit (DR), set the due from bank account of text transmit leg, in (CR), set on the plus side of the account the savings account of the A of branch of subordinate in higher level branch.Then, after the monitoring portion of higher level branch side detects that this book keeping operation request completes, the transaction workflow control part 11 of higher level branch is notified or new state (step 6) more.By above step, from receptions of level branch downwards such as banks of other country, remitted money.
Fig. 5 is the figure that is illustrated in an example of the settlement information table 17 using in settlement accounts automatic discrimination portion 16.What expression was divided on the top of figure is the form of branch of subordinate use, and what expression was divided in the bottom of figure is the form of higher level branch use.
In settlement information table 17, there is " entering/go out (In/Out) ", " currency ", " type (Type) ", " network (Network) ", " receiving bank (RcvBank) ", " our agent bank (Our Corres Bank) " and " account " hurdle.Hurdle is used for distinguishing Inward(reception remittance " to enter/go out (In/Out) ") and Outward(transmission remittance)." type (Type) " hurdle represents the type of message (MT) of text, for example, TT(Telegraphic Transfer: remittance) the meaning be remittance, DD(Demand Draft: draft) represent price of one country's remittance check.
" network (Network) " hurdle represent transaction via network, there is two kinds of " SWIFT " and " points in the ranks ".Also there is the reason of " dividing in the ranks " in narration in the back except " SWIFT ".The identification code that " reception bank (RcvBank) " hurdle storage " receives bank ".The identification code of " we agent bank (Our Corres Bank " hurdle storage " agent bank (correspondent bank) ".
Agent bank refers to when remitting money to foreign country, as the bank in the transfer place of this currency.The central bank while not having with domestic exchange in foreign exchange organizes accordingly, therefore, mutually opens an account (correspondent account) between bank and bank overseas, by using the account to mobilize financial resources, settles accounts.For example, in money transfer transactions, in the bank that receives remittance, not the agent bank of one's own profession, to the indication of remitting money as the agent bank of transfer, and add as remitting money after the bank of final destination and the remarks of account.
" account " hurdle of settlement information table 17 illustrates that settlement accounts is prestore one of them of account, branch of subordinate savings account, due from bank account of higher level branch.For example, the step below carrying out the in the situation that CQN being to bank transfer overseas in lines from subordinate.
1) in the CQN of branch of subordinate, for entering (Entry), create remittance detail during subpoena, in our agent bank of Our Corres Bank() in, with reference to higher level's transmission remittance (Outward) side of the settlement information table 17b of SHA in lines, set the identification code (BIC) (as shown in arrow 17s) of " agent bank ".
2) the 2nd account hurdle (CR) of the remittance detail when transferring items request book keeping operation in the CQN of subordinate branch, is set in " SHA prestores " (as shown in the arrow 17u) shown in " account " hurdle of transmission remittance (Outward) side of the settlement information table 17a of the CQN of branch of subordinate.
3) in the CQN of branch of subordinate, when the detailed generating unit 15 of remittance generates the remittance detail of entrusting for internal account transfer, with reference to higher level's transmission remittance (Outward) side of the settlement information table 17b of SHA in lines, in the 1st account hurdle (DR), setting is " CQN deposit " (as shown in arrow 17v), in the 2nd account hurdle (CR), setting is " due from bank (Nostro) " (as shown in arrow 17w).Like this, with reference to settlement information table 17, can generate remittance detail separately.
In the explanation of Fig. 4, transmission remittance/reception remittance flow process to the China branch via SWIFT and is overseas illustrated, funds transfer system 10 is not only used in the remittance in China branch and overseas, can also in the remittance in foreign currencies between China branch, use.In the past, between China branch, used SWIFT to carry out remittance in foreign currencies, if but use the mechanism of the funds transfer system 10 of above-mentioned explanation, between branch, can not use SWIFT within Chinese territory and remit money.In the past, use the reason of SWIFT to be, as described in starting, in China, need to carry out file management and the report to authorities in each branch, therefore, in each branch, obtained BIC, with SWIFT, carried out remittance in foreign currencies more convenient.
Fig. 6 is the concept map of the remittance flow process (between the branch-higher level of subordinate branch) between branch within Chinese territory.At this, in the situation of scheming to carry out from superior branch of branch of subordinate shown in left side remittance in foreign currencies, in the situation of carrying out remittance in foreign currencies shown in figure right side from the downward fraction row of higher level branch, both are position exchange, and inner flow process is identical.
In the case of figure left side from superior branch of branch of subordinate remittance, entering, after detailed survey, the workflow of examining complete, the general ledger of the branch of subordinate by transaction workflow control part 11 to China branch accounting system 30 proposes book keeping operation request (step 1).In book keeping operation now, in debit (DR), set the customer account of branch of Chinese subordinate, in (CR), set on the plus side of the account the Chinese higher level account that prestores of use in lines.In monitoring portion, (step 2) after this completes detected, the detailed generating unit 15 of remitting money is activated, and transaction workflow control part 11 is notified or new state (step 3) more, higher level branch is generated to the remittance detail (step 3 ') that receives remittance.Now, by settlement accounts automatic discrimination portion 16, in DR, set China branch account, in CR, set Chinese higher level customer account in lines.In addition, owing to being domestic remittance, therefore do not need to carry out about the SWIFT OUT of SWIFT, the processing of SWIFT IN.
In higher level branch, start the workflow that enters (Entry) in manual or semi-automatic mode, the general ledger of the higher level branch to China branch accounting system 30 keep accounts (step 4,5,6).
After workflow in higher level branch completes, by the portion of transferring items, monitoring portion, the more general ledger of the higher level branch of new China branch accounting system 30.By above step, from the remittance of superior branch of branch of Chinese subordinate, complete.In addition, Fig. 6 right side from higher level branch downwards the remittance of level branch be the Account Settings difference of the DR/CR that carries out of settlement accounts automatic discrimination portion 16, and flow process is identical, therefore description thereof is omitted.
Fig. 7 is the concept map of the remittance flow process (between the B of A-subordinate branch of branch of subordinate) between branch within Chinese territory.In this case, different from the situation of Fig. 6, transmission remittance side, reception remittance side are branch of subordinate, but higher level gets involved between branch of Liang Ge subordinate in lines.This is because higher level branch has the A of branch of subordinate and the B of branch of subordinate foreign exchange deposit account separately, therefore, can use this savings account, transfers accounts between branch of Liang Ge subordinate.
In the A of branch of subordinate, from to the entering of workflow (Entry), flow process from step 1 to step 3 is identical with the situation of Fig. 6, but in step 3 ' in, for higher level branch, generate the remittance detail of entrusting for internal account transfer, and enter the workflow of (Entry) Chinese higher level branch.In addition, side by side, in step 3 " in, also the remittance detail of the B of branch of the subordinate generation reception remittance of transferor is received in docking, and the workflow that enters branch of (Entry) Chinese subordinate.Now, in step 3 ' in, by settlement accounts automatic discrimination portion 16, in DR, set the China A of branch savings account, in CR, set the China B of branch savings account.In addition, in step 3 " " in, in DR, set the Chinese higher level branch account that prestores, in CR, set the China B of branch customer account.
In higher level branch, the workflow of the remittance detail that enters (Entry) is carried out to STP processing.In the B of subordinate branch, not STP processes, but the process of manually carrying out the entering of workflow, detailed survey and examining.This is because the responsible official who is assigned to each case need to carry out later processing consistently.In addition, in the situation that workflow is carried out to STP processing, do not need to receive text and accept book picture 18.
Fig. 8 illustrates that receiving text accepts the figure of an example of book picture 18.By 11 management of transaction workflow control part, receive text and accept book picture 18, book picture 18 accepted in this text is to form based on the such table passing through for the state of each text being carried out to picture disply of diagram.Receive text and accept the type that " MSG " hurdle of book picture 18 represents message, for example, MT103 represents the message that client remits money, and MT110 represents draft (Demand Draft) (price of one country's remittance check), and MT19X represents client's subsidiary cancellation in remitting money, service charge, inquiry etc." state " hurdle be illustrated in the text accepted receiving in the finishing dealing with, check of branch, revise medium treatment situation." transmit leg numbering " hurdle illustrates the transaction number that sends branch's employing, and " receiving the date " hurdle illustrates that reception branch receives the date of text, and " date of payment " hurdle illustrates the date of payment of remittance.
In Fig. 4, Fig. 6, Fig. 7, the treatment scheme of the transmission remittance/reception remittance to normal conditions is illustrated, omit detailed explanation, but beyond it as special example, for the establishment subpoena of transferring accounts producing in Chinese higher level branch and branch of subordinate of dividing into the situation of our burden in the service charge of money transfer transactions or occurring cancelled money transfer transactions in the situation that, correspondence automatically.In addition, can provide information (service charge, inquiry, the answer) transmission unit about the remittance between the branch of the BIC of level branch in the use.
Above, in the above-described embodiment, as an example of China example, be illustrated, but at the document management for remittance overseas, to aspects such as the reports of authorities, there is the country of same system, such as Vietnam etc. can apply the mechanism identical with native system.
But obvious technical scope of the present invention is not limited to the scope of recording in above-mentioned embodiment.About above-mentioned embodiment, can carry out various changes or improvement, this will be apparent to those skilled in the art.In addition, the mode of carrying out after these various changes or improvement is also included in the technical scope of the present invention, and this point can clearly obtain from the record of claim.
Claims (5)
1. a funds transfer system overseas, is characterized in that, this overseas funds transfer system have:
Accounting system, the general ledger of the account of its storage bank; And
Transaction workflow control part, its in each branch of described bank, for sending remittance/receive the transaction case of remittance, control the process of examining that creates subpoena, detailed survey, examines,
In the branch not holding as the SWIFT-BIC of bank identification number, this overseas funds transfer system have:
The portion that transfers items, it sends book keeping operation request to the general ledger of described accounting system when the described process of examining completes;
Monitoring portion, it detects completing of book keeping operation request from described accounting system;
The detailed generating unit of remitting money, when it detects that in described monitoring portion described book keeping operation request has completed, generates the remittance details of entrusting for transferring accounts to other domestic branches that hold described SWIFT-BIC;
Settlement accounts automatic discrimination portion, it is generating described remittance when detailed, according to the settlement information table of information that stores the savings account between described branch and the account that prestores, automatic discrimination settlement accounts; And
SWIFT interface portion, it is overseas remit money in the situation that in described transaction case, when described monitoring portion detects that described book keeping operation request has completed, the SWIFT-BIC that uses other domestic branches to hold, sends text file to SWIFT network.
2. funds transfer system overseas according to claim 1, is characterized in that,
The transaction case of described transmission remittance/reception remittance comprises the remittance in foreign currencies between domestic branch.
3. funds transfer system overseas according to claim 2, is characterized in that,
The branch of remitting money between described domestic branch is the branch that does not hold SWIFT-BIC, and the branch that holds described SWIFT-BIC is generated to the remittance detail of entrusting for transferring accounts.
4. funds transfer system overseas according to claim 1, is characterized in that,
On commission, in the branch of internal account transfer, described in described transaction workflow control part makes, the process of examining is carried out through type processing.
5. a method of overseas remitting money, is characterized in that, comprises:
In each branch of bank, for the transaction case control that sends remittance/receive remittance create subpoena, detailed survey, the step of the process of examining of examining;
In the branch not holding as the SWIFT-BIC of bank identification number,
When the described process of examining completes, to the general ledger of accounting system, send the step of book keeping operation request;
From described accounting system, detect the step completing of book keeping operation request;
When detecting that described book keeping operation request completes, the detailed step that generates of remittance that generates the remittance detail of entrusting for transferring accounts to holding other domestic branches of described SWIFT-BIC;
Generating described remittance when detailed, according to the settlement information table of information of having stored the savings account between described branch and the account that prestores, the step of automatic discrimination settlement accounts; And
In described transaction case, be overseas remit money in the situation that, when described monitoring portion detects that described book keeping operation request has completed, the SWIFT-BIC that uses other domestic branch to hold, sends the step of text file to SWIFT network.
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| JP2012-227470 | 2012-10-12 | ||
| JP2012227470A JP6022294B2 (en) | 2012-10-12 | 2012-10-12 | Overseas remittance system and overseas remittance method |
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Also Published As
| Publication number | Publication date |
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| JP6022294B2 (en) | 2016-11-09 |
| JP2014081690A (en) | 2014-05-08 |
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