JP2003006444A - Bank system with transfer and overseas remitting function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a bank system for actualizing a scheme for automatically remitting apart of paid money abroad along with a process for transferring the money to be paid such as a salary to a specified account. SOLUTION: The bank system 20 receives domestic salary transfer data and overseas remittance request data by foreign employees in a batch from an enterprise system 10 on a specified day of every month. The bank system 20 performs domestic salary transfer processing by the foreign employees according to the domestic salary transfer data. Further, the bank system 20 automatically performs overseas remittance processing to an oversea bank system 30 according to overseas remittance request data so that salaries are partially remitted to overseas recipient accounts that the foreign employees specify.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention generally relates to a bank system for executing a transfer process of transferring a designated amount of money to an account, and more particularly to a bank system having a function of executing an overseas remittance process together with the transfer process.

[0002]

2. Description of the Related Art In recent years, in domestic companies (employers including various corporations and groups), the number of foreign employees from abroad is increasing, and it is common that various businesses are carried out together with domestic employees. It is becoming a reality. A company means an employer including various corporations and groups, and may be expressed as a customer as seen from the bank. In addition, a company may be represented as a payer (wage) payment source and an employee may be represented as a payment destination. Furthermore, an employee means an employee including the names of employees and the like.

When paying a salary, a company generally transfers money to a bank account designated by each employee. Banks perform a service of transferring the salary amount of each employee to a designated account according to a request from a customer who is a company. A similar salary transfer service is also provided to foreign employees from overseas.

By the way, foreign employees often remit a part of their salaries to their families in their home countries. In this case, the foreign employee deducts the amount he / she wants to transfer from his bank account and applies for the overseas remittance service of the bank. Recently, an automatic remittance service that remits a certain amount overseas from the person's account has also been performed. In either case, it is basically necessary for each person to manage the account balance and carry out the necessary procedures individually.

[0005]

[Problems to be Solved by the Invention] Generally, a method in which a company transfers a part of an employee's salary to an account of a third party such as an employee's family is carried out from the provisions of Article 24 of the Labor Standards Act. Is difficult. Therefore, the bank requested by the company to
By performing overseas remittance in the name of a foreign employee (that is, becoming a remitter), using the employee's family as the recipient, part of the salary is automatically transferred to the overseas family. It will be possible to remit the money.

At present, an FB (Firm Banking) system in which a computer on a company side and a computer on a bank side are connected via a communication network is realized, but a salary accompanied by the above-mentioned automatic overseas remittance processing is realized. The transfer scheme has not been realized.

Therefore, an object of the present invention is to provide a bank system for realizing a scheme in which a payment amount such as a salary is transferred to a designated account and a part of the payment amount is automatically transferred overseas. is there.

[0008]

The first aspect of the present invention is as follows.
For example, using the FB system, according to a customer's request, a payment amount such as salary is transferred to an account of a payee, and a part of the pay amount is transferred to an overseas recipient designated by the payee. The present invention relates to a bank system that realizes a scheme that can automatically execute.

[0009] Specifically, this system is a bank system composed of a computer system for executing a transfer to an account of a payee designated by the customer and an overseas remittance process, and the transfer from the customer and the overseas remittance. Based on the input data,
Transfer processing means for transferring the amount excluding the amount designated as overseas remittance to the designated account in the payment amount to the payee,
The foreign currency amount corresponding to the amount designated as overseas money transfer,
It is provided with an overseas remittance processing means for designating a recipient to a designated overseas bank and remittance abroad.

In such a system, for example, the transfer processing of the salary of a foreign employee working in a domestic company is executed, and at the same time, a specified amount (that is, a part of the salary) is automatically calculated from the amount of the salary. It is possible to send money to a designated overseas bank. Here, in the payroll transfer process, the method in which the company transfers a part of the employee's salary to the account of a third party such as the employee's family is difficult to implement because of the law. Therefore, by using a company as a client and a foreign employee in the name (becoming a remitter), it is possible to realize a service for overseas remittance in which part of the salary is the recipient of the family of the foreign employee. Becomes In the overseas remittance processing, the remittance is actually carried out at the affiliated overseas bank so that it is transferred to the designated account of the recipient. In this overseas remittance processing, the remitted amount is not transferred to the foreign employee's principal account (domestic bank account).

By using such a system, for example, a foreign employee who needs an overseas remittance does not have to manage the account balance individually for the overseas remittance, and the required procedure for the bank is minimized. It can be limited. further,
On the bank side, a request for a remittance of multiple employees from a company becomes a so-called batch remittance request, which makes it possible to improve efficiency in business processing and reduce costs.
It has utility in financial business.

[0012] A second aspect of the present invention relates to a bank system which realizes, in the above-mentioned overseas remittance processing, a scheme capable of collectively executing processing relating to overseas remittance for each foreign employee.

Specifically, the system of the present invention is a means for inputting data relating to transfer and overseas remittance for each of a plurality of payees from a customer side, and a designation for each payee based on the input data. A method of generating individual detailed data regarding the transfer amount to be transferred to the account and the overseas remittance processing for remitting the designated amount to the overseas recipient, and the account specified for each payee based on the individual detailed data. To manage the item data such as the foreign currency amount corresponding to the amount specified as overseas remittance and the destination overseas bank etc. collectively for each payee by using the transfer processing means for transferring the transfer amount and the individual item data And a overseas remittance processing means for collectively executing the overseas remittance processing for each payee by using the bulk file.

With such a system, in the above-mentioned automatic overseas remittance processing, it is possible to unify the overseas remittance processing for each of a plurality of foreign employees, and therefore, the administrative burden associated with the overseas remittance processing on the bank side. There is a usefulness in the financial business such as a significant reduction. Also, the customer side (or foreign employee) can reduce the remittance fee associated with the overseas remittance processing.

[0015]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

(System Configuration) In the embodiment, as shown in FIG. 1, a bank computer system (hereinafter simply referred to as a bank system) 20 and a company computer system (hereinafter simply referred to as a company system) 10 are provided. Assume an FB system connected via a communication network. As described above, the corporate system 10 means a system on the side of an employer including various corporations and groups, and corresponds to a system on the customer side as seen from the bank.

The company system 10 manages a salary (wage) for each foreign employee employed by the company and a file 100 relating to overseas remittance described later. On the other hand, the bank system 20 uses the file 2 related to the account for each foreign employee.
00 is managed. Further, the bank system 20 is connected to a computer system 30 of an affiliated overseas bank (hereinafter referred to as an overseas bank system) via a communication network 40. Domestic banking system 20,
The overseas bank system 30 is, for example, SWIFT (Societ
y for Worldwide Interbank Financial Telecommunicat
ions: Inter-bank financial communication association) Exchanges data with a communication protocol based on the standard. Overseas bank system 30
Manages a file 300 related to a family account of a foreign employee related to the embodiment.

(Salary Transfer and Overseas Remittance Scheme) The salary transfer and overseas remittance scheme of the embodiment will be described below with reference to FIG. 1 and the flowcharts of FIGS. 2 and 3.

In this embodiment, only the relationship between a company that is an employer and a plurality of foreign employees is assumed, and salary transfers and overseas remittances for other domestic employees are excluded. As a matter of course, the same embodiment can be applied to the case where a domestic employee, in addition to a foreign employee, transfers part of salary to a family living in a foreign country.

The company system 10 determines the amount of salary (wage) paid for each foreign employee every month based on a predetermined rule (step S1). Here, as a specific example, it is assumed that the payoff condition for payment (transfer) on the 15th day of the following month at the end of the month and the salary amount is 150,000 yen.

Here, when there is no instruction for overseas remittance from the foreign employee, the corporate system 10 executes a normal pay transfer instruction (transfer instruction to a designated account of a domestic bank) (NO in step S2). , S3). This pay transfer instruction means a transfer instruction to a domestic bank account designated by a foreign employee (hereinafter abbreviated as domestic account). The company system 10 transmits data (including the payroll transfer details) regarding the transfer instruction to the bank system 20 on the 12th day of the current month (payroll payment month), for example (step S4).

On the other hand, when there is an instruction for overseas remittance from each foreign employee, the corporate system 10 determines the amount of money to be transferred from the confirmed salary payment to the domestic account and the amount of overseas remittance, and the bank system A transfer / money transfer instruction process for 20 is executed (YES in step S2, S5). here,
In the management file for each foreign employee included in the file 100, the company system 10 sets a predetermined flag in the item of overseas remittance, for example, according to an instruction from each foreign employee, and refers to the management file. Determine whether or not there is a remittance abroad. In the same manner as above, the corporate system 10 transfers / transfers money to the bank system 20 on the 12th day of the month.
Data relating to the remittance instruction (including the payroll transfer details and overseas remittance details) is transmitted (step S6).

By the way, when starting a service transaction relating to salary transfer involving overseas remittance between a bank and a company,
The following pre-procedures are envisioned.

First, an agreement (agreement) regarding a payment method of salary (wage) is concluded between the company and each foreign employee. Specifically, a company may transfer the salary to the domestic account of the foreign employee according to the offer of the foreign employee and to transfer a part of the salary to the account of the overseas bank (employee relative's name account) designated by the individual. Confirmation. In this case, the overseas remittance for transfer to an overseas bank account (hereinafter abbreviated as overseas account) is performed by the client as the company, the sender as the foreign employee's name, and the recipient as the employee's relatives. Be done. On the specified day of each month (12 days in this case), the company also provides domestic salary transfer data (payroll transfer details including the amount transferred to the domestic account) and overseas remittance request data (amount of overseas remittance) for each foreign employee. Overseas remittance statement) including) is sent to the bank.

(Processing Procedure of Bank System) Assuming the above processing procedure by the program of the enterprise system 10,
The processing procedure by the program of the bank system 20 is shown in FIG.
Will be described with reference to FIG.

The bank system 20 receives the data relating to the transfer / money transfer instruction from the company system 10 on the designated day of every month (here, 12th) (step S10). This data is domestic salary transfer data (payment transfer details including transfer amount to domestic account) and overseas remittance request data (overseas remittance details including overseas remittance amount). Note that each data is created by the company that is the customer and is transmitted separately or simultaneously.

The bank system 20 distinguishes between the process of domestic salary transfer and the process of overseas salary transfer (step S11). In the processing of domestic salary transfer only, which does not involve overseas remittance, the bank system 20 transfers the amount of transfer included in the domestic salary transfer data to the domestic account designated by the foreign employee, as in the normal salary transfer processing. Is executed (step S12).

On the other hand, in the salary transfer process involving overseas remittance,
The bank system 20 uses the domestic payroll transfer data (payroll transfer details including the transfer amount to the domestic account) to the domestic account specified by the foreign employee himself / herself, and the specified transfer amount (the amount excluding the amount transferred overseas). ) Transfer processing is executed (step S13). As a specific example, it is assumed that the salary amount of each foreign employee is 150,000 yen, and a certain employee (A) desires 50,000 yen as the amount of overseas remittance. The bank system 20 transfers 100,000 yen, which is obtained by removing the overseas remittance from the salary amount (150,000 yen), to the domestic account in the name of the person designated by the employee (A).

Further, the bank system 20 executes the overseas remittance process with the employee (A) as the remitter, based on the overseas remittance request data (overseas remittance details including the amount of the overseas remittance) (step S14). In this overseas remittance processing, the banking system 20 is provided for each foreign employee, for example, as shown in FIG.
A file including items as shown in (B) is created.
That is, FIG. 4A shows a file made up of data for specifying a client, a sender, and a recipient in overseas remittance. Further, FIG. 7B is a file relating to conversion of the amount of overseas remittance into a foreign currency amount (here, US dollars are assumed). As a specific example, the banking system 20 sets the amount of 50,000 yen desired by the employee (A) as the remittance yen amount, and the exchange rate on the designated remittance date (12 for 1 US dollar).
2.35 yen) and set foreign currency amount (408.
67 US dollars).

Then, the bank system 20 creates a transmission information file containing the calculated foreign currency amount (US $ 408.67) and transmits it to the overseas bank system 30 before the designated remittance date (step S15). . In response to an instruction (transmission information file) from the bank system 20, the overseas bank system 30 sets a foreign currency amount (408. (US $ 67) will be processed (step S16).

According to the scheme as described above, the foreign employee employed by the domestic company provides an overseas remittance service in which a portion of the desired salary is remitted to a family member overseas as well as the salary transfer to the employee. Can receive. In short, it is possible to remit the necessary amount overseas without performing the cumbersome paperwork that each foreign employee has to carry out individually as in the past. On the other hand, on the bank side, the overseas remittance request of each foreign employee can be collectively received as the overseas remittance request data from the client company and processed. Therefore, even if the remittance fee is almost the same amount, it is possible to reduce the cost required for the paperwork on the bank side as compared with the case where the overseas remittance is processed for each case.

(Bulk Remittance Scheme) The above-mentioned overseas remittance processing is a scheme in which the overseas remittance processing is executed in accordance with the details of each overseas remittance request (for example, employee A) in the overseas remittance request data transmitted from the company computer 10. is there. Therefore, for example, if there are five overseas remittance requests (five employees A to E) (five overseas remittance details), five overseas remittance instructions are issued to the overseas bank system 30. Become.

Since the corporate computer 10 collectively transmits domestic salary transfer data and overseas remittance request data for each of a plurality of foreign employees, the bank system 20 requests the overseas remittance requests for a plurality of overseas remittance requests (here, 5 cases). It is more efficient to carry out (1) with one overseas remittance process. Such a method of unifying and executing the overseas remittance processing for a plurality of overseas remittance requests will be referred to as a bulk remittance method.

Hereinafter, the bulk remittance scheme will be described in detail with reference to FIGS. 5 and 7.

First, the bank system 20 receives from the enterprise system 10 five overseas remittance details (included in the above-mentioned overseas remittance request data) for each of the five employees A to E (step S20). ). Furthermore, the banking system 20
Create a bulk file for unifying 5 overseas remittance instructions from 5 overseas remittance statements (step S2)
1). Then, the bank system 20 uses the bulk file to execute the overseas batch remittance process for issuing five overseas remittance instructions to the overseas bank system 30 (step S22). A specific method of the overseas batch remittance processing will be described later with reference to FIGS. 7 and 8.

As shown in FIG. 6, the bulk file is composed of item data relating to the amount of foreign currency corresponding to five overseas remittance requests. The item data relating to the amount of foreign currency is the item 60 indicating the remitter (here, a foreign employee), the item 61 indicating the remittance yen amount (gross), the item 62 indicating the bank charge, and the item 6 indicating the remittance yen amount (net).
3, item 64 showing the foreign currency exchange rate of the remittance date, item 65 showing the calculated foreign currency amount, item 66 showing the set foreign currency amount to be the final remitted foreign currency amount, and item showing the calculated yen currency amount corresponding to the set foreign currency amount 67 and items 61, 63, and 66 for the total amount of money.

Here, FIG. 6A is a bulk file in the case where the remittance fee paid to the bank side is borne by the client company side and separately paid. In this case, as shown in FIG. 6A, since the item 62 is zero, the respective amounts of the item 61 indicating the remittance yen amount (gross) and the item 63 indicating the remittance yen amount (net) are the same. In addition, the same figure (B)
Is a bulk file when the remittance fee is borne by the sender. In this case, the net remittance yen amount shown in item 63 is the amount obtained by subtracting the remittance fee from the designated amount (item 61).

Next, a method of calculating (converting from yen) the foreign currency amount (finally the set foreign currency amount 66) in the overseas remittance in the bank system 20 will be described.

First, when using the bulk file shown in FIG. 6A, that is, when the remittance fee is to be borne by the company, the net remittance yen amount shown in item 63 is Y,
When the exchange rate is R, the bank system 20
The calculation formula of “Y ÷ R” is executed. Then, rounding down to the nearest significant digit for the calculation result of the calculation formula, and setting the foreign currency amount to 6
Calculate as 6. As a specific example, in the case of US dollars, the calculation process is performed by rounding up three digits after the decimal point and making two digits after the decimal point a valid digit. Here, when the yen amount calculated backward from the set foreign currency amount 66 according to the exchange rate 64 does not match the designated remittance yen amount 63, the rounding operation processing of the calculated foreign currency amount 65 is naturally executed so that the two match. Will be done. Here, the calculated foreign currency amount 65 and the exchange rate 6
The set foreign currency amount 66 is calculated so that the yen amount calculated back from 4 and 4 does not become less than the designated remittance yen amount 63.

On the other hand, when the bulk file shown in FIG. 6B is used, that is, when the remittance fee is borne by the sender, the net remittance yen amount shown in item 63 is Z (the amount less the commission). ) And the exchange rate is R, the bank system 20 executes the calculation formula of “Z ÷ R”. Then, the same rounding calculation process is executed, and the yen amount calculated backward from the set foreign currency amount 66 according to the exchange rate 64 is
The rounding calculation processing of the calculated foreign currency amount 65 is executed so as to match the net remittance yen amount (amount less the fee) 63. Here, similarly, the set foreign currency amount 66 is calculated so that the yen amount calculated backward from the calculated foreign currency amount 65 and the exchange rate 64 does not become less than the designated remittance yen amount 63.

(Bulk Remittance Processing of Bank System) The processing procedure by the program of the bank system 20 relating to the above bulk remittance scheme will be described with reference to FIGS. 7 and 8.

First, as described above, the bank system 20
On the designated day of every month (12th in this case), the company system 10 receives the data relating to the transfer / remittance instruction including the domestic salary transfer data and the overseas remittance request data (step S30).

The bank system 20 calculates the foreign currency amount of the remittance yen amount of the overseas remittance request data at the exchange rate of the day (step S31). Specifically, the set foreign currency amount 64 (remittance foreign currency amount) is calculated by the above calculation method. As shown in FIG. 8, the bank system 20 includes foreign employees (A to
E) Create a calculation statement for each individual statement (step S)
32). The bank system 20 prints out the created calculation statement or sends it to the company system 10 (step S33). When printed out, it is sent to the relevant company by mail. In addition, the bank system 20 uses the domestic salary transfer data included in the prepared statement as in the case described above, and each foreign employee (AE).
Each domestic salary transfer process (transfer the amount to the domestic account designated by the foreign employee) is executed (step S3).
4).

As a concrete example, the calculation statement includes, as shown in FIG. 8, an employee name (AE) item 80, a remitter name item 81, a recipient name item 82, and a recipient bank / branch. Item 83 shown, item 84 of recipient account number, item 85 showing amount of foreign currency remittance (set foreign currency amount 64), item 86 of amount of yen remittance (converted value), item 87 showing account number of domestic salary transfer bank / branch. , An item 88 indicating the amount of domestic salary transfer, and an item 89 indicating the total amount of salary transfer (total of the amount of domestic transfer and the amount of overseas transfer). Here, the sender name item 81
Is the name of the employee who wishes to transfer money overseas. In the remittance yen amount (converted value) item 86, the remittance instruction amount by the client is input as a part of the salary amount.

The bank system 20 creates the above-mentioned bulk file based on the above calculation result of the foreign currency amount (step S35). The bank system 20 uses the created bulk file to execute the account processing for the amount of the batch overseas remittance (step S36). That is, in order to issue one overseas remittance instruction, for example, the total amount of each of items 61, 63, 66 of the bulk file shown in FIG. 6A is calculated.

Further, the bank system 20 creates a transmission information file using the individual statement file corresponding to the bulk statement data of the calculation statement shown in FIG. 8 (step S37). The transmission information file is a file for instructing the overseas bank to deposit the designated amount of foreign currency in the specified remittance account. Then, the bank system 20 executes an overseas remittance process in which the sender name is the domestic bank and the receiver name is the overseas bank. That is, the transmission information file is attached, and a transmission process for transmitting a remittance instruction for making the total amount of money in the item 66 of the bulk file the collective remittance amount to the overseas bank system 30 is executed (step S38). The overseas bank system 30 executes the deposit of the set foreign currency amount to each payee account based on the individual detailed file of the received transmission information file (step S39).

As described above, in response to a plurality of overseas remittance requests for each of a plurality of foreign employees, the overseas remittance processing is not performed for each one, but a plurality of overseas remittance processing are collectively performed for one overseas remittance processing. It can be executed as a money transfer process. Therefore, there is a usefulness in the financial business such that the administrative burden associated with overseas remittance processing on the bank side can be significantly reduced. Also, the customer side (or foreign employee) can reduce the remittance fee associated with the overseas remittance processing.

In this embodiment, it is assumed that the remittance amount (foreign currency amount) is deposited in the recipient account of the overseas bank, but the present invention is not limited to this, and the recipient is at the designated overseas bank counter. A method of receiving the remittance amount may be used.

[0049]

As described in detail above, according to the present invention, according to a request from a customer, a process of transferring a payment amount such as salary to a payee's account and a part of the payment amount is designated by the payee. It is possible to realize a scheme that can automatically execute overseas remittance processing to an overseas recipient. In short, for example, a foreign employee who needs an overseas remittance does not need to manage the account balance individually for the overseas remittance, and can minimize the necessary procedure for the bank. Furthermore, on the bank side, a request for a remittance of multiple employees from a company is a so-called batch remittance request, which makes it possible to improve the efficiency of business processing and reduce costs, and it is possible to improve financial business performance. Is useful.

Further, in the overseas remittance processing, for example, it is possible to realize a scheme capable of collectively executing the processing relating to the overseas remittance for each foreign employee. Therefore, in the automatic remittance processing, for example, it is possible to unify the overseas remittance processing for each of a plurality of foreign employees, which significantly reduces the administrative burden of the bank remittance processing. Has utility.

[Brief description of drawings]

FIG. 1 is a block diagram showing a system configuration according to an embodiment of the present invention.

FIG. 2 is a flowchart for explaining the scheme of the same embodiment.

FIG. 3 is an exemplary flowchart for explaining a processing procedure of the bank system of the same embodiment.

FIG. 4 is an exemplary view showing an example of a file used for overseas remittance processing in the bank system of the embodiment.

FIG. 5 is a flowchart illustrating a bulk money transfer scheme according to the embodiment.

FIG. 6 is a view showing an example of a bulk file according to the same embodiment.

FIG. 7 is an exemplary flowchart for explaining a processing procedure including bulk remittance processing in the bank system of the embodiment.

FIG. 8 is an exemplary view showing an example of a calculation statement file used for bulk remittance processing in the bank system of the same embodiment.

[Explanation of symbols]

10 ... Company (customer side) computer system 20 ... Bank computer system 30 ... Overseas bank computer system 40 ... communication network

Claims (15)

[Claims] 1. A banking system comprising a computer system for executing a transfer to an account of a payee designated by a customer and an overseas remittance process, wherein data on a transfer request and an overseas remittance request from the customer is input. Means, and a transfer processing means for transferring the transfer amount to the specified account, excluding the amount specified as the overseas remittance among the payment amounts to the payee, based on the data input by the input means; Based on the data input by the means, an overseas remittance processing means for remitting the foreign currency amount corresponding to the amount designated as the overseas remittance to the designated overseas bank by designating the recipient Characteristic banking system. 2. A bank system comprising a computer system connected to a customer's computer via a communication system to execute a transfer to a payee's account designated by the customer and an overseas remittance process, the communication comprising: A means for receiving data relating to a transfer request and an overseas remittance request transmitted from the customer's computer via a system, and an amount designated as an overseas remittance among payment amounts to the payee based on the received data The transfer processing means for transferring the transfer amount to the specified account, and the foreign currency amount corresponding to the amount specified as the overseas remittance, based on the received data, is remitted overseas to the designated overseas bank by specifying the recipient. A banking system, comprising: 3. The overseas remittance processing means, based on the data relating to the overseas remittance request, a calculating means for converting an amount designated as an overseas remittance into a foreign currency amount, and the foreign currency amount is the designated recipient. 3. The method according to claim 1, further comprising: means for generating transmission data for overseas remittance for remittance processing, and means for transmitting processing for the transmission data for overseas remittance to a destination overseas bank. The banking system according to any one of 1. 4. The foreign currency amount calculated by converting the amount designated as an overseas remittance into a foreign currency amount according to a predetermined exchange rate and rounding the conversion result according to a predetermined number of significant digits. 4. The banking system according to claim 3, wherein is the set amount. 5. The calculation means converts the amount designated as overseas remittance or the amount obtained by subtracting the bank charge from the amount specified in the foreign currency amount in accordance with a predetermined exchange rate, and the conversion result is converted into a predetermined significant digit. The banking system according to claim 3, wherein the foreign currency amount calculated by rounding according to the number of digits is set as the set amount. 6. The data relating to the transfer request and the overseas remittance request, the salary payment amount of the employee belonging to the customer side, the employee's bank account, the amount designated as the overseas remittance in the salary payment amount, and The transfer processing means includes data on a designated account of an overseas bank that is the overseas remittance destination, wherein the transfer processing means transfers a transfer amount excluding the amount designated as the overseas remittance from the salary payment amount to a designated bank account of the employee. The banking system according to claim 1 or 2, wherein the banking system is configured to execute. 7. The data relating to the transfer request and the overseas remittance request, the salary payment amount of the employee belonging to the customer side, the employee's bank account, the amount designated as the overseas remittance in the salary payment amount, and The generation means calculates the foreign currency amount corresponding to the amount designated as the overseas remittance, and the overseas bank account of the recipient designated by the employee. The banking system according to claim 3, wherein the banking system is configured to generate the transmission data for overseas remittance for instructing the remittance of the foreign currency amount. 8. A salary transfer processing method involving an overseas money transfer process applied to a bank system comprising a computer system for executing a salary transfer to a bank account of an employee designated by a customer and an overseas money transfer process, wherein: The banking system inputs the data related to the customer's request for payroll transfer and overseas remittance request, and based on the data entered in the input step, the amount specified as the overseas remittance from the amount paid to the employee The step of executing the process of transferring the transfer amount to the bank account specified by the employee, the calculation step for converting the amount specified as the overseas remittance into the foreign currency amount, and the overseas bank specified by the employee On the other hand, a step of generating transmission data for overseas remittance for instructing remittance of the foreign currency amount to the designated recipient Payroll processing method involving overseas remittance processing and executes the processing procedure comprising the steps for transmitting processing the transmission data for remittance abroad bank of the destination. 9. The foreign currency amount calculated by converting the amount designated as an overseas remittance into a foreign currency amount according to a predetermined exchange rate and rounding the conversion result according to a predetermined number of significant digits. 9. The salary transfer processing method with overseas remittance processing according to claim 8, wherein the set amount is set. 10. The calculation step converts an amount designated as an overseas remittance or an amount obtained by subtracting a bank charge from the amount specified in the foreign currency amount in accordance with a predetermined exchange rate, and converting the conversion result into a predetermined significant digit. 9. The salary transfer processing method according to claim 8, wherein the foreign currency amount calculated by rounding according to the number of digits is set as the set amount. 11. A computer system, which is connected to a customer's computer via a communication system to execute payroll transfer and overseas remittance processing to an employee's bank account designated by the customer, via the communication system. A function for receiving the data relating to the salary transfer request and the overseas remittance request transmitted from the customer computer, and excluding the amount designated as the overseas remittance from the salary payment amount to the employee based on the received data A function to execute the process of transferring the transfer amount to the bank account specified by the employee, a function to convert the amount specified as the overseas remittance into a foreign currency amount, and to the overseas bank specified by the employee And a function for generating transmission data for overseas remittance for instructing remittance of the foreign currency amount to a designated recipient, and Program for realizing a function for transmitting processed foreign bank destination outside remittance transmission data to the computer system. 12. A bank system comprising a computer system for executing a transfer to each bank account of a plurality of payees designated by the customer side and an overseas remittance process, wherein the customer side makes a transfer to each payee. A means for inputting data relating to a request and an overseas remittance request, and an individual statement file relating to transfer processing for each payee and overseas remittance processing for remittance to an overseas recipient based on the data input by the input means. A means for generating, a transfer processing means for transferring each transfer amount designated to a bank account for each payee based on the individual statement file, and an overseas remittance for each payee using the individual statement file To generate a bulk file for collectively managing detailed data for overseas remittance such as foreign currency amount corresponding to the amount specified as The using bulk file, the banking system, characterized by comprising a overseas remittance processing means for collectively executed overseas remittance processing of a plurality matter content is each payee. 13. The overseas remittance processing means uses the bulk file and the individual statement file to collect a plurality of overseas remittance instructions for an overseas remittance request generated for each of the payees for batch remittance. 8. A transmission information file is created, and the transmission information file is collectively transmitted to a designated overseas bank.
Bank system described. 14. An overseas batch remittance processing method applied to a banking system comprising a computer system for performing payroll transfer to a bank account of an employee designated by a customer and overseas remittance processing, wherein the banking system comprises: The step of inputting data regarding the customer's salary transfer request and overseas remittance request, and the transfer processing for each employee and the overseas remittance for remittance to the overseas recipient based on the data input in the input step Generating individual detail file for processing, transferring each transfer amount specified to the bank account for each employee based on the individual detail file, and using each individual detail file, each payee Collectively manage detailed data for overseas remittance such as foreign currency amount corresponding to the amount designated as overseas remittance and its total amount Characterized by performing a processing procedure including a step of generating a bulk file for the purpose of performing a batch file, and a step of collectively executing a plurality of overseas remittance processes for each payee by using the bulk file. Overseas bulk remittance processing method. 15. A computer system which is connected to a customer's computer via a communication system to execute a transfer of salary to a bank account of an employee designated by the customer and an overseas remittance process, via the communication system. A function for receiving the data relating to the salary transfer request and the overseas remittance request transmitted from the customer side computer, and a transfer process for each employee and a remittance to an overseas recipient based on the received data. A function to generate an individual statement file related to overseas remittance processing, a function to transfer each transfer amount designated to a bank account for each employee based on the individual statement file, and use the individual statement file , Detailed data for overseas remittance such as foreign currency amount corresponding to the amount designated as overseas remittance for each payee and its total amount A function to generate a bulk file for batch management, and a function to collectively execute multiple overseas remittance processes for each payee by using the bulk file are described above. A program to be implemented by a computer system.