JP2003016274A - Method for moving funds among a plurality of accounts - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for automatically moving funds among a plurality of accounts of different currency owned by a client when the value of real interest or exchange rate satisfies set conditions. SOLUTION: A client owning a plurality of the same or different currency yen-dominated or foreign currency dominated deposit accounts, debenture accounts and investment trust accounts or the like sets a plurality of condition values for moving funds to fluctuating exchange rate, price, interest, running yield and total seasonal amount or the like beforehand and even when only one of moving conditions is satisfied, the moving pattern of the best condition is selected so that a fund moving transaction can be established among a plurality of accounts. In such a case, the validity and the limited number of times of fund moving can be registered so that the funds can be prevented from being moved repeatedly endlessly.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for transferring funds between a plurality of accounts, and more particularly to a method for transferring funds between various accounts held in a bank or the like according to preset execution conditions.

[0002]

2. Description of the Related Art Conventionally, regarding the transfer of funds between accounts of financial institutions, as shown in Japanese Patent Publication No. 04-1381, it is necessary to prevent the balance of a certain account from reaching a predetermined value or falling below a predetermined value. As a condition, there was a method of transferring funds from one account to another. The transfer of funds between the accounts was a one-to-one transfer of funds limited between deposit accounts of the same currency, and the transfer conditions were in accordance with a single condition specified by the customer.

[0003]

Currently, some products provided by financial institutions provide a plurality of accounts for each currency. Here, an account refers to an account such as a yen-denominated deposit, a foreign currency-denominated deposit, a stock or an investment trust that is managed with an account number, and is operated under the same name and the same seal or signature. However, those to which different account numbers are given are treated as separate accounts here.

[0004] Among customers who purchase financial products, there are customers who manage assets by forming a portfolio with foreign currency-denominated deposits, stocks, investment trusts, etc., and changing the asset allocation (portfolio balance) in the portfolio. In that case, it is necessary to transfer funds between a plurality of accounts held by the customer. In this respect, since the conventional technology transfers funds between one-to-one accounts, it is not possible to flexibly deal with the management and change of the portfolio balance, and the customer has to manage the assets for each individual account. I had no choice.

It is an object of the present invention to provide a fund transfer method for reducing the fund management work of a customer and flexibly transferring funds between a plurality of accounts.

[0006]

In order to achieve the above object, the following may be done. Regarding multiple accounts contracted with the customer (yen-denominated or foreign-currency-denominated deposit accounts, bond accounts, investment trust accounts, etc.), conditions for each customer (such as exchange rate, price, interest rate, investment yield, and market capitalization in advance) Set the key conditions for implementing fund transfer, fund transfer amount, fund transfer expiration date, fund transfer priority, fund transfer limit number, fund allocation ratio, etc., single or multiple)
Manage and select the most suitable pattern of fund transfer within the range of the conditions, and automatically carry out the fund transfer between the selected accounts. This condition can be set variously according to the request of the customer or the financial institution that manages the account.For example, (1) Set a single or multiple conditions for the fund transfer destination to further transfer funds from the fund transfer destination account. You may set (2) the necessary yield based on the currency before the transfer of funds after the transfer of funds, or (3) the transaction status of the target customer, customer transaction information such as deposit balance, etc. Therefore, interest rates, exchange rates, etc., which are the keys for carrying out the fund transfer, may be raised or lowered, and (4) the fund transfer amount set in advance is specified in full or by the amount desired by the customer. (5) The funds transfer expiration date set in advance may be specified by the maximum expiration date set in the contract or the expiration date desired by the customer, and (6) preset conditions are set. Set the same priority for fund transfer, or It may be specified in the order desired by the customer, or (7) If the balance of the fund transfer source account is insufficient, the fund account with the lowest interest rate among other money accounts in the same currency held by the same person. Automatically transfer to the fund transfer source account to transfer the funds. (8) When the balance of the fund transfer source account is insufficient, the account is denominated in the currency of the account that is insufficient within a certain credit range. May be automatically carried out and the funds may be transferred.

Here, one of the features of the present invention is to select and execute the most suitable fund transfer pattern. At this time, the conditions include the effective date of the fund transfer and the transfer limit number of times. Therefore, there is an effect that it is possible to prevent excessive fund transfer. Also,
Since the customer can set the expiration date, there is an effect that it is not necessary to cancel the set conditions one by one.

[0008]

BEST MODE FOR CARRYING OUT THE INVENTION In the embodiments of the present invention, a case where funds are transferred in order of a yen-denominated deposit account, a US dollar-denominated deposit account, and a yen-denominated deposit account among a plurality of different currency accounts owned by an account holder. An example will be explained.

FIG. 1 is a diagram showing the overall configuration of this embodiment. In the present embodiment, the money transfer system 20 is connected to a market price system 22 that provides the market prices of foreign exchange rates and financial products that are updated daily, obtains information about the exchange rates and the market prices of financial products, and informs the account processing system 21. And give instructions to transfer funds. The account processing system 21 is a system for managing a fund account such as a multi-money deposit of a bank.
21 has a customer's yen-denominated deposit account DB 211, a foreign currency-denominated deposit account DB 212, a bond account DB 213, an investment trust account DB 214, and a customer information DB 215, and manages the customer's account. The account processing system 21 is a communication control mechanism of the fund transfer system 20.
The money transfer instruction is input from 202, and the money transfer process is performed.
At this time, the information managed in the customer information DB 215 is referred to, and the contents of fund transfer / allocation are determined. The customer information DB 215 stores customer numbers, account numbers, transaction information of customers who use this system, balance information of each account held by the customers, asset ratio information, and the like.

The money transfer system 20 comprises a control mechanism 201, a communication control mechanism 202, and a DB management mechanism 203. DB management mechanism 203 is account registration DB 204 and market price DB
The market price DB 205 is connected to the market price system 22 via a network.

FIG. 4 is a diagram showing the data structure of the account registration DB 204, and FIGS. 5 and 6 show examples of specific setting values of the account registration DB 204 shown in FIG. The account registration DB 204 stores the condition setting of the fund transfer for each customer, and the common DB 31 and one or more fund transfer target account DB 32 corresponding thereto.
・ Has 33 (here, the information corresponding to the record information in the account registration DB 204 is the common DB, the fund transfer target account D
B32 ・ 33). Although the figure shows an example in which there are two pieces of information on the fund transfer target account, the number is arbitrary.

The common DB 31 is the fund transfer target account DB number 31
1, funds transfer target account DB name 312, funds transfer target account number 31
3, four items of the priority order 314 of the fund transfer target account are stored.

The fund transfer target account DB number 311 manages the number of DBs provided for each type of fund transfer target account (meaning a transfer destination account of funds; hereinafter the same). 312 in the example of FIG.
As shown in (4), four types of accounts are registered, and the number of fund transfer target account DBs 311 is four. The fund transfer target account DB name 312 manages the type of transfer target account, and in FIG. 5, yen deposit account, US dollar deposit account, euro deposit account, and British pound deposit account are registered.

The fund transfer target account number 313 manages the number of accounts registered in the fund transfer target account DB 32/33. In FIG. 5, three accounts are registered in each fund transfer target account DB 32/33.

The fund transfer target account priority 314 stores a rule indicating the order of priority when transferring funds. As described above, the method of designating the transfer destination account of the funds at the time of transferring the funds is performed by adding the priority order to the funds transfer target account. Note that FIG. 5 shows an example in which the transfer of funds from yen deposits to US dollar deposits is given the highest priority (priority 1), but other priorities depend on the amount of return, the amount of risk, etc., depending on the customer or financial institution. It can be set arbitrarily.

The fund transfer target account DBs 32 and 33 are provided for each combination of the fund transfer target accounts designated by the customer, and the fund transfer destination account name 331, the fund transfer index selection 332, the fund transfer target price 333, and the fund transfer target interest rate 334. The following ten items are stored: a fund transfer target yield 335, a fund transfer target amount 336, a fund transfer exchange rate 337, a fund transfer index effective date 338, a fund transfer limit number 339, and a fund transfer reference price 340.

The fund transfer destination account name 331 is information for identifying the fund transfer target account and is, for example, an account number or the like. The fund transfer target price 333 means a foreign exchange market rate, a price of a financial product, or the like set by a customer in advance as a condition for carrying out fund transfer. The fund transfer target interest rate 334 means a deposit interest rate such as a foreign currency deposit set by the customer in advance as a condition for carrying out the fund transfer. Further, the fund transfer target yield 335 means an operation yield set in advance by the customer as a condition for carrying out the fund transfer. A fund transfer index selection 332 indicates which is selected for each fund transfer target account, and a fund transfer index effective date 338 indicates an effective date of the fund transfer index selection. The money transfer target amount 336 is an amount that can be transferred by one time money transfer. The fund transfer reference price 340 is the reference price of the investment trust of each currency standard.

Next, the processing operation of the money transfer system 20 of the present invention will be described with reference to FIGS. 2 and 3. 2 and 3 are flowcharts for explaining the processing operation in the system of FIG. 1, which is managed by the control mechanism 201 and is realized by a program of a computer, for example.

Upon receiving an application from the customer (step 10
0), open a plurality of transaction accounts (step 101), and deposit money in the fund account which is the starting point of fund transfer (step 102). Here, it is assumed that the deposit has been made into the yen-denominated deposit account as described above. Payment to the account may be made by a transfer from the customer's existing account or the like, and is optional. Accounts opened are in yen-denominated deposit account DB according to their type.
211, foreign currency denominated deposit account DB 212, bond account DB 213, or investment trust account DB 214. For example, if three types of foreign currencies, US dollars, euros, and British pounds are to be transferred, foreign account denominated account DB 212 will have three accounts registered.

The fund transfer system 20 receives a request condition for automatic transfer of funds from the customer and registers it in the account registration DB 204 (step 103).

The money transfer system 20 inputs from the market price system 22 the exchange rate, interest rate, market price, etc. related to the money transfer target account registered in each money transfer account name DB and registers it in the market price DB 205 (step. 10
4).

In this embodiment, the fund transfer target account DB (yen deposit account) 32 having the first priority is selected from the fund transfer target account priority 314 of the common DB 31, and the corresponding fund transfer destination account is extracted. Then, the registered contents of the fund transfer index selection 332 of the fund account are extracted (step 105). The funds transfer index includes the funds transfer target price 333, funds transfer target interest rate 334, and funds transfer target yield 3.
There are 3 types of 35, but the target yield can be selected only when the funds are returned to the transfer source after the transfer of funds. Therefore, in the example, since the funds are newly transferred from the yen-denominated deposit account to the US dollar foreign currency-denominated deposit account, the index can be set in two types, the target price and the target interest rate. It is checked whether the funds transfer index is valid within the date 338 and the funds transfer limit is 339 (step 106). If the expiration date or the limit number of times has passed, account registration DB20
The registration information of 4 is invalidated (step 107), the customer is requested to reset the registration information, and it is registered (step 10).
3). If it is within the expiry date and within the limited number of times, the index is checked (step 108), and if the target price is selected (step 109), the target price is extracted and compared with the extracted exchange rate (step 11).
0) If the target interest rate is selected (step 109), it is compared with the interest rate of the extracted US dollar foreign currency deposit account (step 111). If the result of comparing the selected indices satisfies the conditions for fund transfer (Step 11
2) Transfer the amount of money registered in the transfer amount of money 336 from the yen-denominated deposit account to the US dollar foreign currency-deposited account (step 121). At this time, when the balance of the yen-denominated deposit account of the fund transfer source is insufficient (step 116), the account processing system 21 extracts the fund account with the lowest interest rate from other yen-denominated fund accounts held by the same person. (Step 117),
Transfer from that account to the yen-denominated deposit account of the fund transfer source (step 119), and if there is no other yen-denominated fund account to transfer, extract a predetermined fixed credit range with the account processing system 21 ( Step 118), automatically overdraft the lacking funds within that range (Step 120),
Transfer funds to US dollar foreign currency deposit account (Step 12
1).

Further, even when the conditions are satisfied and the funds are transferred, the comparison process is repeated for the number of accounts registered in each fund transfer target account DB (step 122).

When a fund transfer is carried out, a fund transfer system
The control mechanism 201 of 20 transmits a fund transfer instruction to the account processing system 21 via the communication control mechanism 202. The account processing system 21 follows the received money transfer instruction, and the customer information D
In consideration of the contents of B215, the funds are transferred from the yen-denominated deposit account DB211 to the foreign currency-denominated deposit account DB212.

When the comparison result does not satisfy the condition (step 112) or the credit cannot be provided (step 1)
18) confirms the account registered in the fund transfer target DB (step 113), and if there is the second highest priority in the fund transfer target account 314, selects the corresponding fund transfer destination account (step 115). ). If another fund transfer destination account in the fund transfer target account DB having the second or lower priority is not registered, the comparison process ends.

When another fund transfer destination account in the fund transfer target account DB having the second or lower priority is registered, the comparison process is performed again at the target price or the target interest rate. This comparison process is repeated for the number of fund transfer target accounts 313 registered for each fund transfer target DB. When all the processing is completed, it is deferred until the next processing (step 114).

Next, a method of automatically transferring funds from a US dollar foreign currency deposit account to a yen currency deposit account will be described.
First, the pre-processing from extraction of the exchange rate and interest rate of the currency for which the funds are to be transferred to the check of the funds transfer index, which has been described at the time of transferring the funds from the yen-denominated deposit account to the foreign currency-denominated deposit account, is performed (step 123). Here, when the target yield is selected for the index (step 124), the current yield is calculated based on the extracted current exchange rate, the exchange rate at the time of transfer of funds, the amount of transfer of funds, etc. (step 12).
6), compare the yield with the target yield (step 127). When the target price and the target interest rate are selected (step 124), the target price / interest rate comparison processing described at the time of transfer of funds from the yen currency deposit account to the US dollar foreign currency deposit account is performed (step 125). If the result of comparing the selected indices satisfies the fund transfer condition (step 128), the target amount of fund transfer from the US dollar foreign currency deposit account to the yen currency deposit account 33
Transfer the amount registered in 6 (Step 13
9).

At this time, if the balance of the US dollar foreign currency-denominated deposit account of the fund transfer source is insufficient (step 134), the account processing system is selected from the other US dollar denominated fund accounts held by the same person. Extract in step 21 (step 13
5) Transfer from that account to the US dollar foreign currency deposit account of the fund transfer source (step 137). If there is no other US dollar denominated fund account to transfer, a predetermined credit range is set to the account processing system 21. Is extracted (step 136), the insufficient funds are automatically overdrafted within that range (step 138), and the funds are transferred to the yen-denominated deposit account (step 139).

Even if the conditions are met and the funds are transferred, the comparison process is repeated for the number of accounts registered in each fund transfer target account DB (step 140).

When the comparison result does not satisfy the condition (step 128) or when the credit cannot be provided (step 1)
36) confirms the account registered in the fund transfer target DB (step 129), and if there is the second highest priority in the fund transfer target account 314, selects the corresponding fund transfer destination account (step 130). ). It is checked whether the funds transfer index is effective within the date 338 and the limit number of transfers of funds 339 (step 131). If it is within the effective date and within the limited number of times, the money transfer index is confirmed (step 132), and the process is performed again. When the effective date or the limited number of times has passed, the registration information in the account registration DB 204 is invalidated (step 133), and the customer is requested to reset the registration information and registered (step 103).

When the fund transfer destination account of the other fund transfer target account DB having the second or lower priority is not registered, the comparison process is ended.

When another fund transfer destination account in the fund transfer target account DB having the second or lower priority is registered, the comparison process is performed again with the target price, the target interest rate, or the target yield. This comparison process is performed by the fund transfer target account number 31 for each fund transfer target account DB.
Repeat 3 times. When all the processing is completed, it is deferred until the next processing (step 141).

In addition to the above-mentioned fund transfer, the customer pre-designates a fixed amount of the fund allocation ratio for a plurality of fund accounts held by the customer in account units or in account group units according to the nature of funds, etc. It is also conceivable to transfer and allocate funds at a cycle or at the timing specified by the customer.

[0034]

As described above, according to the present invention, when transferring funds between a plurality of accounts of the same or different currencies, the customer sets conditions in advance for the exchange rate, interest rate, price, investment yield, etc. By doing so, it is possible to close the transaction at the exchange rate, price, interest rate, investment yield, market capitalization, etc. desired by the customer. In this case, it is possible to register the expiration date of the fund transfer and the limit number of times, so that it is possible to prevent the transfer from being endlessly repeated.

Further, by specifying a plurality of funds transfer destination accounts and setting conditions for all the accounts, it is possible to automatically transfer funds between a plurality of accounts.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a fund transfer system of the present embodiment.

FIG. 2 is a flowchart (part 1) explaining a processing operation in the system of FIG.

FIG. 3 is a flowchart (part 2) explaining processing operations in the system of FIG.

FIG. 4 is a diagram showing a data structure of an account registration DB.

5 is an example of specific setting values of the account registration DB shown in FIG. 4 (No. 1)

6 is an example of specific setting values of the account registration DB shown in FIG. 4 (No. 2)

[Explanation of symbols]

20: Fund transfer system 201: Control mechanism 202: Communication control mechanism 203: DB management mechanism 204: Account registration DB 205:
Market price DB 21: Account processing system 211: Yen currency deposit account DB 212: Foreign currency deposit account DB
213: Bond account DB 214: Investment trust account DB 215: Customer information DB 22: Market value system 204: Account registration DB 3
1: Common DB 311: Fund transfer target account DB number 312: Fund transfer target account DB name 313: Fund transfer target account number 31
4: Fund transfer target account priority 32: Fund transfer target account DB (yen deposit account) 33: Fund transfer target account DB (USD deposit account), 331: Fund transfer destination account name, 332: Fund transfer index selection 333: Fund Transfer target price 334: Fund transfer target interest rate 335: Fund transfer target yield
336: Fund transfer amount 337: Exchange rate when transferring funds
338: Effective Date of Fund Transfer Index 339: Number of Fund Transfer Limits 340: Fund Transfer Standard Price

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Tomoaki Matsushita             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Business Solutions             Within the department (72) Inventor Yuji Shinomiya             In front of Yakushi, climbing up Matsubara, Karasuma-dori, Shimogyo-ku, Kyoto-shi, Kyoto             Machi 700 Kyoto Bank, Ltd. (72) Inventor Yasuhiro Matsui             In front of Yakushi, climbing up Matsubara, Karasuma-dori, Shimogyo-ku, Kyoto-shi, Kyoto             Machi 700 Kyoto Bank, Ltd. F term (reference) 3E040 BA18 CA14 CB04 EA01 EA02

Claims (9)

[Claims] 1. A method for performing a fund transfer process between a plurality of accounts associated with each other, wherein a plurality of condition information for transferring a fund between the accounts among the plurality of accounts is input.
Acquires market price information indicating the market price in the financial market, searches for the most suitable one of the market price information that satisfies the condition information, and performs a fund transfer process between the predetermined accounts corresponding to the searched condition information. A method for transferring funds between a plurality of accounts, which is characterized by carrying out. 2. The money transfer method according to claim 1, wherein the condition information includes conditions relating to an exchange rate and an interest rate, and a money transfer amount. 3. The condition information includes an effective date of the fund transfer and a transfer limit number of times, and the fund transfer process is performed when it is within the effective date and within the transfer limit number of times. Item 2 Method of transferring funds. 4. The money transfer method according to claim 3, wherein the plurality of accounts include a yen-denominated account and one or more foreign currency-denominated accounts. [Claim 5] Multiple fund accounts in the same or different currencies, such as yen-denominated and foreign-currency-denominated deposit accounts, bond accounts, and mutual fund accounts, as well as exchange rates, prices, and interest rates set by customers,
It has a database that stores the operating yield, the key conditions for carrying out the capital movement of the market capitalization, the amount of money movement, the expiration date of the movement of money, the priority order of the movement of money, the number of times of limitation of the movement of money, the rate of allocation of funds, the price, When the interest rate, the investment yield, and the market capitalization satisfy the conditions stored in the database, based on the money transfer amount, the fund transfer expiration date, the fund transfer priority, the number of fund transfer restrictions, and the fund allocation ratio, A method of transferring funds, characterized in that the transfer of funds is carried out. 6. The fund transfer according to claim 5, wherein a plurality of conditions of a fund transfer destination for further transferring funds are set from the fund transfer destination account for which the condition is set, together with the condition of the first fund transfer. Method. 7. The transfer of funds according to claim 6, wherein the required yield based on the currency before the transfer of funds after the transfer of funds is set as a condition, and the transfer of funds is performed to the source account of the transfer of funds. Method. 8. The fund transfer method according to claim 7, wherein the interest rate and the exchange rate, which are the keys for carrying out the fund transfer, are increased or decreased according to the transaction status of the target customer and the customer transaction information of the deposit balance. 9. The fund transfer method according to claim 8, wherein the fund transfer amount set in advance is designated by the total amount or an amount desired by the customer.