JP2004133835A - Foreign remittance method and system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a foreign remittance method and foreign remittance system in which foreign remittance can be performed at a low cost, each bank can use the existing foreign remittance system to send money even if the bank does not deal with foreign remittance and foreign remittance information is easily inputted. <P>SOLUTION: This foreign remittance system is provided with domestic bank terminals 3, a remittance handling bank terminal 5 and a host computer 7. In a domestic bank terminal 3, foreign remittance information is inputted to a communication file in a domestic format that is a type different from a foreign format. The host computer 7 receives the communication file in the domestic format from the domestic bank terminal, converts record information in the domestic format into one in the foreign format and subsequently a communication file T in the foreign format to a remittance handling bank terminal. The remittance handling bank terminal 5 transmits the communication file in the foreign format to an outward destination bank terminal 9 from a communication means for foreign remittance. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a foreign money transfer method and a foreign money transfer system for transferring money from a domestic bank terminal to a destination foreign bank in response to a request from a money transfer requester.
[0002]
[Prior art]
According to the conventional foreign remittance method, the remittance requester fills out the prescribed remittance information in the foreign remittance request form, the domestic bank sends the foreign remittance request form to the remittance bank (remittance processing bank), and the remittance bank The remittance information is input in a format, and the remittance bank sends the remittance information to the destination bank using a dedicated line.
[0003]
As a conventional technique of a foreign remittance method, Patent Document 1 stores the first remittance information, and when the same person makes a regular remittance with a fixed amount for the second and subsequent times, the first record information is stored. Utilization is disclosed.
[0004]
Patent Document 2 discloses that a transfer card in which remittance information is input is issued, and at the next transfer, the remittance information is read from the transfer card and foreign transfer is made.
[0005]
[Patent Document 1]
JP-A-8-16670 [Patent Document 2]
JP-A-6-243158
[Problems to be solved by the invention]
However, if a domestic bank does not have a contract for using a foreign remittance system to perform foreign remittances, foreign remittances cannot be made, and the contract for using this foreign remittance system is expensive and it is necessary to enter remittance information in a foreign format Therefore, it is difficult to handle, and there is a disadvantage that skilled personnel are required to input in the foreign format.
[0007]
If the remittance request form received by the remittance bank from the destination bank (domestic bank) is unclear or incorrect, the foreign remittance bank returns the foreign remittance request form to the domestic bank. Therefore, there is a problem that it takes time to correct and confirm, and it is not possible to make a quick foreign remittance.
[0008]
The present invention has been made in view of the above-mentioned circumstances, and the purpose thereof is to make it possible to make foreign remittance inexpensive and to use an existing foreign remittance system from each bank without using a conventional foreign remittance handling bank. It is an object of the present invention to provide a foreign remittance method and a foreign remittance system that can be used for remittance and that facilitate input of foreign remittance information.
[0009]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, the invention described in claim 1 provides foreign bank information necessary for foreign bank transfer between a domestic bank terminal, a bank account handling bank transfer, and a domestic bank terminal and a bank bank handling bank transfer. In a foreign remittance method that includes a host computer for sending and receiving, and remit from a destination bank in Japan to a destination bank in a foreign country, foreign bank remittance information is input to a domestic bank terminal in a communication file in a domestic format different from the foreign format The host computer receives the communication file in the domestic format from the domestic bank terminal, converts the record information in the domestic format into the foreign format, and then transmits the foreign format communication file to the remittance handling bank terminal,
The remittance handling bank terminal is characterized by transmitting a communication file in a foreign format from the foreign remittance communication means to the destination bank terminal.
[0010]
According to the method of claim 1, the domestic bank receiving the request for foreign remittance accesses the host computer from the domestic bank terminal and displays the domestic format for foreign remittance. In addition, when accessing the domestic format, input of an ID number, a password, and the like is a condition.
[0011]
At a domestic bank, foreign remittance information is entered in a domestic format based on a foreign remittance request written by a remittance requester. The foreign remittance information includes the name of the remittance requester, the name and address of the destination bank, the remittance amount, the name and address of the recipient, and the like. Domestic bank staff can input in a domestic format, so it is easy and easy to do.
[0012]
When the input of the domestic bank terminal is completed and the domestic bank terminal transmits the record information in the domestic format, the host computer converts the record information into the foreign format. This foreign format can be used on foreign remittance program software, and can only be used by remittance banks and destination banks.
[0013]
The information file obtained by converting the foreign remittance information recorded in the domestic format into the foreign format by the host computer is transmitted from the host computer to the remittance bank.
[0014]
At the remittance handling bank, the remittance information file, which has already been prepared in the foreign format, is put on a communication line for foreign remittance as it is, and transmitted to the destination bank to complete the remittance.
[0015]
According to the present invention, the destination bank can receive in the conventional format, and the domestic bank can input the remittance information in an easy-to-understand format for domestic use, so that remittance can be performed quickly and easily. In addition, if there are any unclear points or clerical errors in the items that the sender has filled out in the foreign remittance request form, the person in charge at the domestic bank will understand those unclear points and clerical errors when entering the domestic format, The person in charge can immediately contact the remitter. Therefore, when there is a mistake in the foreign remittance request form, the foreign remittance request form is not returned from the remittance handling bank to the domestic bank as in the related art, so that quick remittance processing can be performed. In addition, even if the domestic banks do not subscribe to communication means for foreign remittance, it is possible to reduce the foreign remittance fee by distributing or paying the communication fee for the use by many domestic banks. it can.
[0016]
According to a second aspect of the present invention, in the first aspect of the present invention, the domestic bank terminal accesses the host computer via the Internet and then receives a domestic format from the host computer.
[0017]
According to the second aspect of the present invention, when the domestic bank does not need to hold application software in a domestic format and has a request for foreign remittance, the operation and effect of the first aspect are exhibited. It is only necessary to access the host computer first, so that the cost can be reduced.
[0018]
According to a third aspect of the present invention, in the first or second aspect, an administrator terminal is connected to the host computer, and a domestic format communication file input by the domestic bank terminal is stored in the host computer. It is characterized in that writing is possible from an administrator terminal.
[0019]
According to the third aspect of the invention, in addition to the effects of the first or second aspect, the administrator can check the contents of the domestic format to check for unclear descriptions and erroneous descriptions. If necessary, the administrator corrects the input items, and sends the corrected contents to the domestic bank, and after the domestic bank confirms it, sends it to the host computer. As a result, an input error in the domestic format can be prevented, and if remittance information input in the domestic format has an erroneous or unclear description, it can be corrected immediately. Therefore, the person in charge of the domestic bank does not need to be skilled in foreign remittances, and can perform quick processing.
[0020]
The invention according to claim 4 is the invention according to any one of claims 1 to 3, wherein the application software in the domestic format has a database in which the names and addresses of foreign banks are described. Is characterized by the fact that the official name and address can be selected from countries or cities.
[0021]
According to the fourth aspect of the present invention, the operation and effect of any one of the first to third aspects are exhibited, and characters are not input when information on the destination bank is input to the domestic format. By selecting an item that has already been registered, the input can be performed, so that the input can be performed quickly and input errors can be reduced.
[0022]
According to a fifth aspect of the present invention, in the invention of any one of the first to fourth aspects, the application software in a domestic format has a database preliminarily recording client information of foreign remittances. In the client information, at least a supplier number, a client's Japanese name and an English name are stored, and the client information can be input to a domestic format by selecting the client information.
[0023]
According to the fifth aspect of the present invention, the operation and effect described in any one of the first to fourth aspects are achieved, and the foreigner remittance request form is also included in the client information similarly to the fourth aspect of the invention. The user can input by selecting an already registered item without inputting a character while looking at the input, so that the input can be performed quickly and input errors can be reduced.
[0024]
According to a sixth aspect of the present invention, there is provided a foreign remittance system for performing any one of the first to fifth methods.
[0025]
According to the invention described in claim 6, the operation and effect described in any one of claims 1 to 5 are achieved.
[0026]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. FIG. 1 is a block diagram showing a configuration of a foreign remittance system according to an embodiment of the present invention, and FIG. 2 is a block diagram showing a flow in the foreign remittance system. As shown in FIGS. 1 and 2, in a foreign remittance system 1 according to the present embodiment, a domestic bank N requested by a remitter A remits to a recipient B through a destination bank H. The foreign remittance system 1 includes a domestic bank terminal 3, a remittance bank terminal 5, a host computer 7 connected to the domestic bank terminal 3 and the remittance bank terminal 5 through a communication line, a destination bank terminal (foreign bank terminal). Terminal 9).
[0027]
The remittance handling bank M is a domestic bank, and performs foreign remittance with the destination bank H by a dedicated communication means. The communication means 29 for foreign remittance transmits and receives communication files in a format (foreign format) created by predetermined application software. The use of the communication means 29 for foreign remittance can be used only by the remittance-handling bank M and the destination bank H to which a usage contract has been made in advance.
[0028]
In the foreign format, various remittance information data is described for each predetermined item, and the remittance handling bank M and the destination bank H are familiar with the remittance information bank.
[0029]
The host computer 7 includes storage means 11 for storing application software in a domestic format, conversion means 13 for converting recording information in a domestic format into a foreign format, and storage means 15 for storing recording information in a foreign format. And a sharing means 19 for sharing the record information in the domestic format with the manager terminal 17.
[0030]
The manager terminal 17 is connected to the host computer 7 and can communicate with the domestic bank terminal 3 at any time in a so-called chat format by sharing a screen input by the domestic bank terminal 3. Therefore, the operator F of the administrator terminal can give advice while referring to the same input screen as the person in charge of the domestic bank terminal 3 about the input method and the like in the domestic format, and can correct and enter the data input in the domestic format. It has become.
[0031]
Next, a foreign money transfer method according to the present embodiment will be described.
[0032]
(1) When remittant A remits money from domestic bank N to foreign recipient B, a predetermined matter is described in a foreign remittance request form and handed over to a person in charge of domestic bank N. This request form includes (a) transaction number, trading store name, reception number, request date, client English name, client Japanese name as receiving items, and (b) payment amount, remittance currency, payment method, c) The recipient items include the recipient name, recipient address, recipient bank branch name, recipient account number, and (d) remittance permission items such as the purpose of remittance.
[0033]
(2) The person in charge of the domestic bank inserts the authentication key device (with a built-in encryption code) sent from the remittance bank M directly to the domestic bank N to the USB port of the domestic bank terminal 3, The host computer 7 is accessed from the domestic bank terminal 3 via the Internet via the administrator's website. On the web site of the administrator, the person in charge of the domestic bank N inputs a user ID number and password given in advance, and opens a foreign remittance screen as shown in FIG.
(3) The person in charge of the domestic bank clicks on "Remittance Acceptance" on the Foreign Remittance Screen, opens "Foreign Remittance Request", and enters the foreign remittance information for each screen based on the Foreign Remittance Request Form. To go.
[0034]
As shown in FIG. 4, the foreign remittance request is divided into files for each item such as "acceptance", "payment contents", "recipient information", etc., so that it is easy to view and input.
(4) On the "acceptance" screen, enter "supplier number", "client English name", "currency" and the like. In these inputs, when the customer master registration 21 is clicked, the customer is registered without inputting the "transaction number", the "client English name" and the "client Japanese name" in the case of a customer who has remittance abroad before. Can be entered by selecting and clicking on the item. This can save the trouble of inputting characters and reduce input errors. In the same manner, predetermined items are input for each file.
[0035]
As shown in FIG. 5, the "Transfer processing" calculates and displays the remittance amount for the currency 23, so that the approximate remittance amount can be known. Therefore, it is checked whether the foreign remittance amount exceeds the limit amount. Is easy. Further, when the calendar 25 is clicked, a calendar screen is displayed, and a date can be selected to automatically input the date.
[0036]
As shown in FIG. 6, on the "Payee Information" screen, a list of "country name", "state name", "destination bank name", etc. is displayed by clicking the selection display 25. Just select each item and click to enter. Therefore, since character input is not required, simple and quick input can be performed, and erroneous writing can be reduced.
(5) When the input of the foreign remittance information is completed, the person in charge of the domestic bank confirms that there are no input items or omissions, and then saves the remittance data.
[0037]
In the input of the remittance information described above, if the person in charge of the domestic bank is unclear, a mail can be transmitted from the domestic bank terminal 3 and a question can be asked to the administrator terminal 17. In this case, a VOIP (Voice Over Internet Protocol) technology is used that converts voice into packet data to enable a telephone call on the Internet, and a microphone and speaker are provided to both the domestic bank terminal 3 and the manager terminal 17. Is set, and the person in charge of the domestic bank terminal 3 can sequentially communicate with the operator F by voice. At the same time, the operator F shares the input screen data of the domestic bank terminal 3 from the sharing means 19 and also receives the data from the administrator terminal 17. Can be entered. Thereby, the input processing of the domestic bank representative at the domestic bank terminal 3 can be performed more quickly.
(6) The domestic bank terminal 3 sends the input remittance data in the domestic format to the host computer 7. When the host computer 7 receives the remittance data, the administrator terminal 17 checks the received remittance information for errors or the like. If an error or the like is found, a request is made to the domestic bank N for correction. After the domestic bank N makes necessary corrections to the input contents, the information file is transmitted to the host computer 7 again. In this case, the operator F corrects an error or the like at the terminal 17 on the manager side, transmits the corrected content to the domestic bank terminal 3, and a person in charge of the domestic bank N confirms the corrected content. The file is transmitted from the domestic bank terminal 3 to the host computer 7.
(7) The host computer 7 stores the remittance information in the domestic format in the database, converts the record information in the domestic format into the foreign format by the converting means 13, and creates a communication file in the foreign format. Then, the host computer 7 collects a plurality of pieces of remittance information at predetermined intervals, for example, once a day, and transmits a foreign format communication file to the remittance handling bank terminal 5.
[0038]
At the same time, the host computer 7 authenticates (encryption code) the main data S required to specify the remittance information from the data to be transmitted to the remittance handling bank terminal 5, for example, the data of "remittance amount" and "destination". Attach and send to domestic bank terminal 3 by another line such as e-mail. At the domestic bank N, after confirming the transmitted main data S, it is authenticated and transmitted to the remittance handling bank M.
(8) When the remittance handling bank terminal 5 receives the communication file in the foreign format, it checks the communication file T in the foreign format (see FIG. 1) with the main data S transmitted from the domestic bank N, and confirms it. After confirming the identity of these data, the foreign remittance communication means 29 sends the foreign format communication file T to the destination bank terminal 9 as it is, and the destination bank H follows the remittance information recorded in the communication file T. And transfer the remittance amount to the recipient's account.
[0039]
When the remittance information is transmitted to the remittance bank terminal 5, the domestic bank N setstle the account of the remittance bank M opened at another domestic bank G, which is the fund settlement bank, by the BOJ settlement through the Zengin System 27. Transfer funds to pay. In addition, a domestic bank (sending bank) N and a remittance bank M have a contract (correspondence contract) relating to exchange business.
[0040]
The remittance of a foreign remittance request is directly performed by the domestic bank N to the remittance bank M, and the issuance of a certificate from the remittance bank is performed directly from the remittance bank M to the domestic bank N.
[0041]
Further, in the present embodiment, the host computer 7 creates and creates a report that each domestic bank N submits to a predetermined institution (the Financial Services Agency) for money laundering check from the remittance data stored in the database. The report is sent or sent to each domestic bank N. Further, in the present embodiment, even when one remitter is remittance from a plurality of banks, a report can be created by aggregating a plurality of banks, which can be useful for finding an illegal remittance. .
[0042]
It goes without saying that the present invention is not limited to the above-described embodiment, but can be variously modified without departing from the scope of the invention. For example, there may be a plurality of remittance banks M, and the remittance bank M may be selected and a foreign remittance file in a foreign format may be transmitted to the selected remittance bank M.
[0043]
【The invention's effect】
According to the first aspect of the present invention, the destination bank can receive in the conventional format, and the domestic bank can input the remittance information in an easy-to-understand format for domestic use, so that remittance can be performed quickly and easily. In addition, even if there are any unclear points or clerical errors in the items written by the remitter in the foreign remittance request form, when the person in charge at the domestic bank inputs them into the domestic format, those unclear points and clerical errors are found, A bank representative can immediately contact the sender.
[0044]
Even if the domestic bank that is the destination bank has not subscribed to the communication means for foreign remittance, the foreign remittance fee will be reduced by distributing or paying the communication fee for many domestic banks be able to.
[0045]
According to the second aspect of the present invention, in addition to the effect of the first aspect, there is no need for each domestic bank to hold application software in a domestic format. Since it is sufficient to access the computer, the cost can be reduced.
[0046]
According to the third aspect of the present invention, the effect of the first or second aspect can be obtained, and the erroneous or unclear description of the remittance information can be corrected while or after input by a person in charge of the domestic bank. Therefore, the person in charge of the domestic bank does not need to be skilled in foreign remittances, and can perform quick processing.
[0047]
According to the invention set forth in claim 4, the effect according to any one of claims 1 to 3 is exerted, and when the information on the destination bank is input to the domestic format, characters are not input, By selecting an item that has already been registered, the input can be performed, so that the input can be performed quickly and input errors can be reduced.
[0048]
According to the invention described in claim 5, the effect described in any one of claims 1 to 4 can be obtained, and the request information for foreign remittance can also be found in the client information as in the invention described in claim 4. However, since it is possible to input by selecting an already registered item without inputting characters, the input can be performed quickly and input errors can be reduced.
[0049]
According to the invention set forth in claim 6, it is possible to provide a foreign remittance system having the effects described in any of claims 1 to 5.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a foreign remittance system according to an embodiment of the present invention.
FIG. 2 is a block diagram showing a flow in the foreign money transfer system.
FIG. 3 is a diagram of a front page of a foreign remittance.
FIG. 4 is a diagram showing an input screen of “acceptance”.
FIG. 5 is a diagram showing an input screen for “substitute money processing”.
FIG. 6 is a diagram showing an input screen for “recipient information”.
[Explanation of symbols]
1 Foreign remittance system 3 Domestic bank terminal 5 Remittance handling bank terminal 7 Host computer 9 Destination bank terminal 13 Conversion means 19 Sharing means 21 Customer master registration A Sender B Recipient N Domestic bank (destination bank)
M Remittance Bank H Destination Bank

Claims (6)

It has a domestic bank terminal, a remittance bank terminal, and a host computer that sends and receives foreign remittance information required for foreign remittance between the domestic bank terminal and the remittance bank terminal. The foreign remittance method of remittance to
At domestic bank terminals, foreign remittance information is entered in a communication file in a domestic format different from the foreign format,
The host computer receives the communication file in the domestic format from the domestic bank terminal, converts the record information in the domestic format into the foreign format, and then transmits the communication file in the foreign format to the remittance handling bank terminal,
A foreign remittance method, wherein the remittance handling bank terminal transmits a communication file in a foreign format from the foreign remittance communication means to the destination bank terminal. 2. The foreign remittance method according to claim 1, wherein the domestic bank terminal receives a domestic format from the host computer after accessing the host computer via the Internet. 3. The host computer is connected to an administrator terminal, and a domestic format communication file input by the domestic bank terminal can also be written from the administrator terminal. Foreign remittance method described. The application software in a domestic format has a database in which names and addresses of foreign banks are described, and a formal name and address of a destination bank can be selected from a country or a city. The foreign remittance method described in any of 3 above. The application software in the domestic format has a database pre-recorded with the information on the client for foreign remittances, and this client information contains at least the supplier number, the client's Japanese name and English name. The foreign remittance method according to any one of claims 1 to 4, wherein the client information can be input to a domestic format by selecting client information. A foreign remittance system which performs the method according to any one of claims 1 to 5.

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