JP2005293037A - Transaction settlement system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction settlement system and method for reducing the workloads of persons in charge at both a financial institute and a business partner, and for reducing any communication mistake. <P>SOLUTION: In this transaction settlement system, a transaction settlement server 11 is provided with a database 14 in which the schedule of the person in charge of settlement of a financial institute is stored, a reception date deciding means 21 for receiving the decision request of the transfer date of securities in securities transaction by designating transaction ID from a user terminal, and for deciding the transfer date of securities by referring to the database 14 and communication equipment 15 for transmitting the transfer date decided by the transfer date deciding means 21 to the transaction destination. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a transaction settlement system and a transaction settlement method for performing a settlement act caused by a margin transaction of securities.

  In the margin transaction for securities such as bonds, when confirming the settlement amount between the settlement officer of the financial institution and the counterpart in charge of the financial institution, the person in charge of the financial institution has traditionally aggregated the settlement amount for each counterparty. , The book table was output and was confirmed by telephone with the person in charge of the business partner. In addition, after the settlement amount is confirmed, the securities and receipts are delivered between the settlement officer of the financial institution and the transaction manager. The delivery date and time was determined by the person in charge of settlement at the financial institution by checking his / her schedule and contacting the person in charge of the customer by telephone.

  However, there was a problem that the burden of work on both sides was heavy because there was no person in charge or during a meeting. In addition, communication mistakes such as misunderstandings often occur when the persons in charge call each other. Furthermore, because payment officers at financial institutions take time to make phone calls with many business partners, there is also a problem that the business manager in charge of a business partner waits for a long time when calling a payment officer. It was.

Regarding settlement of margin transactions, Patent Document 1 proposes an Internet settlement system that confirms a settlement amount via the Internet. The system includes a financial institution server, and a communication terminal of a settlement requester connected to the financial institution server via the Internet or the like. In the settlement method using this system, first, data for confirming the settlement amount is transmitted from the financial institution server to the communication terminal of the requestee of the settlement. Next, after the settled claimant confirms the data, the intention of settlement is transmitted from the communication terminal to the financial institution server. Subsequently, the server of the financial institution receives payment from the payment requestee and makes a payment on a predetermined payment date.
JP 2002-175486 A

  However, even when using the payment system disclosed in Patent Document 1, when determining the delivery date and time of securities and receipts, the payment officer of the financial institution determines the date and time and contacts the person in charge of each business partner by telephone or the like. There is a need to. Further, the person in charge of settlement needs to prepare for receipt of the securities purchased by the financial institution by the delivery date and time, in which the delivery date and time is described for each business partner. Since one settlement officer is usually in charge of a large number of business partners, the settlement officer's work related to delivery is considerably large, and the workload of the settlement officer cannot be reduced sufficiently.

  In view of the above, it is an object of the present invention to provide a transaction settlement system and a transaction settlement method that can reduce the work burden of persons in charge at both financial institutions and business partners and can reduce contact errors.

In order to achieve the above object, a transaction settlement system according to the present invention comprises a financial institution server and one or more customer user terminals connected via a communication line. In the transaction settlement system for settlement of transactions of securities, the server includes:
A storage device for storing a schedule of a settlement officer of a financial institution;
A delivery date determination means for determining a delivery date and time of a security with reference to the storage device upon receiving a request for determination of the delivery date and time of the securities in the securities transaction by designating a supplier ID from a user terminal;
And a transmission means for transmitting the delivery date and time determined by the delivery date and time determination means to the business partner.

The transaction settlement method according to the present invention connects a financial institution server and one or more business partner user terminals via a communication line, and settles a transaction of securities between the financial institution and the business partner. In the transaction settlement method to
The server storing a schedule of a settlement officer of a financial institution in a storage device;
When the server specifies a supplier ID from the user terminal and receives a determination request for the delivery date and time of the securities in the securities transaction, the storage device is referred to determine the delivery date and time of the securities;
And a step of transmitting the delivery date and time determined by the delivery date and time determining means to the business partner.

  According to the transaction settlement system of the present invention, the server of the financial institution includes delivery date determination means and transmission means, thereby automatically determining the delivery date and time of securities and receipts and contacting the business partners. I can do it. As a result, it is possible to reduce the work burden of the person in charge of settlement at the financial institution, and to reduce mistakes that occur when determining the delivery date and contacting. On the other hand, the person in charge of the business partner can confirm the delivery date and time by transmitting a delivery date and time determination request at the user terminal without directly contacting the settlement person in charge of the financial institution. Therefore, it is possible to reduce the work burden of the person in charge of the business partner.

  In a preferred embodiment of the transaction settlement system of the present invention, the server issues a receipt having a delivery date determined by the delivery date determination means for a securities transaction in which a financial institution purchases the securities. And a document issuing means. It can reduce the work burden on the settlement officers of financial institutions. In this case, the condition for determining the delivery date and time is reception of a settlement confirmation request in the securities transaction from the user terminal, instead of receiving a request for determining the delivery date and time of the securities in the securities transaction from the user terminal. Also good.

  In a preferred embodiment of the transaction settlement system according to the present invention, the server includes a settlement unit that settles a transaction in a business partner account for a securities transaction, and the receipt issuance unit is settled by the settlement unit. The receipt is issued with reference to the amount made. It can reduce the work burden on the settlement officers of financial institutions.

  According to the transaction settlement method of the present invention, the same effect as the above transaction settlement system can be obtained. In a preferred embodiment of the transaction settlement method of the present invention, the server issues a receipt having a date of delivery determined by the delivery date and time determining means for a securities transaction in which a financial institution purchases securities. Is further provided. In a preferred embodiment of the transaction settlement method of the present invention, the server further comprises the step of settlement of a transaction in a trading partner account for a securities transaction, and in the step of issuing the receipt, the server The receipt is issued with reference to the amount settled by the settlement means. The present invention can be applied to, for example, settlement of credit transactions for bonds and stocks.

  Hereinafter, with reference to the drawings, the present invention will be described in more detail based on exemplary embodiments according to the present invention. FIG. 1 is a block diagram showing a configuration of a transaction settlement system according to an embodiment of the present invention. The transaction settlement system 1 is a system for settlement of bond credit transactions, a transaction settlement server 11 installed in a financial institution 10, a customer terminal (user terminal) 31 installed in a plurality of business partners 30, And a communication network 100 such as the Internet for connecting the transaction settlement server 11 and the customer terminal 31 to each other.

  The transaction settlement server 11 is used by a settlement officer of the financial institution 10 that manages the settlement amount, and is configured by an information processing device such as a workstation. FIG. 2A shows the hardware constituting the transaction settlement server 11. The transaction settlement server 11 includes a CPU 12, a storage device 13, a database 14, a communication device 15 connected to the network 100, an input device 16, a display device 17, a printer 18, and the like. These hardwares are connected to each other via a bus.

  FIG. 2B shows the function of the transaction settlement server as a block diagram. The transaction settlement server 11 includes a control unit 19, a settlement unit 20, a delivery date determination unit 21, and a receipt issuance unit 22. These control means 19, settlement means 20, delivery date determination means 21, and receipt issuance means 22 are stored as programs in the storage device 13, and are read out by the CPU 12 to perform necessary processes.

  The communication device 15 transmits and receives information via the communication network 100, and the control unit 19 controls each unit of the transaction settlement server 11. The database 14 stores authentication information of each business partner 30, settlement information of each business partner 30, information on a schedule of a person in charge of settlement, and the like. The settlement information includes, for each settlement item, a settlement date (or scheduled settlement date), a settlement amount (or scheduled settlement amount), and information about whether the settlement is completed or unsettled. Information on the total amount and detail amount for each.

  The settlement means 20 receives the settlement confirmation information, which is an intention indication that the settlement information has been confirmed, from the business partner terminal 31 via the communication device 15, and confirms the settlement information stored in the database 14. Further, based on the settled settlement information, settlement is performed at the account of the business partner on the settlement date. Further, in response to a request from the supplier terminal 31, the settlement information is transmitted to the supplier terminal 31 via the communication device 15.

  The delivery date and time determination means 21 refers to the database 14 to confirm the settlement person's schedule, and determines the delivery date and time of the bond and receipt. The delivery date and time is automatically determined after receiving settlement confirmation information. Further, the determined delivery date / time is transmitted to the customer terminal 31 via the communication device 15 as delivery date / time information. Further, a list of delivery dates and times of each business partner 30 for each business day is output by using the printer 18 as a schedule table 24 or displayed on the display device 17 automatically or in response to a request from a settlement officer. . The receipt issuing means 22 automatically issues a receipt 23 with a delivery date for the confirmed settlement. The receipt 23 is issued for a bond purchased by a financial institution.

  The supplier terminal 31 is used by a person in charge of the supplier 30, and is configured by an information processing device such as a personal computer. The supplier terminal 31 accesses the transaction settlement server 11 via the communication network 100, receives information provided by the transaction settlement server 11, and displays it on the screen. The supplier terminal 31 transmits initial information, settlement confirmation information, and the like, which are authentication information of each supplier 30, to the transaction settlement server 11 via the communication network 100 by an input operation on the display on the screen.

  FIG. 3 is a flowchart showing processing in the payment service providing method using the transaction payment system 1 shown in FIG. In the present embodiment example, it is assumed that the transaction settlement server 11 of the financial institution 10 accepts settlement information confirmation two business days before the settlement date. In addition, one business day before the settlement date, the person in charge of each business partner 30 goes to the financial institution 10 in order to deliver the bond and receipt.

  First, the person in charge of the supplier 30 uses the supplier terminal 31 to access a home page provided by the transaction settlement server 11 (step A1). Next, the transaction settlement server 11 transmits an initial screen 25 for inputting initial information, as shown in FIG. 4A, to the customer terminal 31 in response to a transmission request from the customer terminal 31 (step). A2). The initial information includes a supplier code and a password, and the initial screen 25 includes an initial information input field and a send button.

  Next, the initial screen 25 is displayed on the screen of the customer terminal 31 (step A3). Subsequently, when the person in charge of the customer 30 inputs initial information and presses the send button on the initial screen 25, the customer terminal 31 transmits the input initial information to the transaction settlement server 11 (step A4). In addition, security can be improved by using a one-time password which changes and inputs a password for every access to the transaction settlement server 11 of the customer terminal 31. FIG.

  Next, the transaction settlement server 11 collates the initial information received from the supplier terminal 31 with the authentication information of each supplier 30 stored in the database 14. If there is no problem, a settlement screen 26 for displaying settlement information as shown in FIG. 4B is transmitted to the supplier terminal 31 (step A5). As a result, the settlement screen 26 is displayed on the screen of the supplier terminal 31. Is displayed (step A6). The settlement screen 26 includes a list for each settlement item including a process check column, a settlement date, a settlement amount, and information on whether settlement is completed or unsettled, a settlement confirmation button, and a detail display button.

  Here, when the person in charge of the business partner 30 wants to confirm the details for each settlement item, first, a check mark is displayed by clicking the processing check column with a mouse or the like. Next, the detail display button is pressed. As a result, information on the detailed amount of the predetermined settlement item is transmitted from the transaction settlement server 11 to the customer terminal 31, and a detail screen (not shown) can be displayed on the screen of the customer terminal 31. If there is no problem with the settlement information for the predetermined settlement item, the person in charge of the business partner 30 displays a check mark in the processing check column and then presses the settlement confirmation button. Thereby, the customer terminal 31 transmits settlement confirmation information to the transaction settlement server 11 (step A7).

  Next, the transaction settlement server 11 receives the settlement confirmation information from the customer terminal 31, confirms the settlement information stored in the database 14, and makes it unchangeable (step A8). Subsequently, the delivery date and time determining means 21 confirms the schedule of the person in charge of settlement stored in the database 14 and automatically determines the delivery date and time (step A9). The determined delivery date and time is generated as delivery date and time information and stored in the database 14.

  The delivery date and time is determined as follows, for example. FIGS. 5A to 5C are tables showing the data on the schedule of the person in charge of settlement stored in the database 14. The person in charge of payment sets in advance to the transaction settlement server 11 at what time the delivery is started and every minute for every business partner 30. In the example shown in FIG. 5A, delivery is set to start at 3:00 pm and deliver in increments of 15 minutes.

  First, when the settlement information is confirmed for the business partner A, as shown in FIG. 5B, the date and time 1 of the time zone from 3:00 to 3:15 is determined as the delivery date and time of the business partner A. . Next, when the settlement information is determined for the business partner B, as shown in FIG. 5 (c), the time zone is from 3:15 except for the date and time 1 already determined as the delivery date and time of the business partner B. Date and time 2 at 3:30 is determined. For other business partners, the delivery date and time are determined sequentially from the date and time earlier in time.

  Next, the receipt issuing means 22 automatically issues a receipt describing the delivery date (step A10). Subsequently, the delivery date and time determination means 21 transmits delivery date and time information to the customer terminal 31 via the communication device 15 (step A11).

  Next, the customer terminal 31 receives delivery date information from the transaction settlement server 11, and displays the delivery date on the screen (step A12). Accordingly, the person in charge of the business partner 30 can confirm the delivery date and time.

  The settlement officer receives the issued receipt 23 from the transaction settlement server 11 prior to delivery. In addition, with reference to the list of delivery dates displayed on the display device 17 or the schedule table 24 output in advance, delivery is performed with the person in charge of each customer 30 at the decided delivery date.

  According to the present embodiment example, the transaction settlement server 11 automatically determines the date and time of delivery of the bond and receipt and receives the confirmation upon receipt of the settlement information of the business partner 30 and automatically receives the receipt. Issue. As a result, the work burden on the settlement officer of the financial institution can be greatly reduced. In addition, it is possible to reduce mistakes that occur when determining delivery date and contacting. On the other hand, the person in charge of the business partner 30 can confirm the delivery date and time at the business partner terminal 31 following the work for confirming the settlement information at the business partner terminal 31 without directly contacting the person in charge of settlement at the financial institution. . Therefore, the work burden on the person in charge of the business partner 30 can be greatly reduced.

  In this embodiment, the delivery date and time determined above are not assumed when the person in charge of the customer 30 is inconvenient. That is, when the person in charge of the business partner 30 is inconvenient, it is assumed that another person in charge of the business partner 30 performs delivery. However, for example, when the person in charge of the business partner 30 is inconvenient, subsequent to step A12, a request for redetermination of the delivery date is made from the business partner terminal 31 to the transaction settlement server 11, and the transaction settlement server 11 is in a different state. The delivery date and time can be redetermined by determining the date and time.

  As mentioned above, although this invention was demonstrated based on the suitable embodiment example, the transaction settlement system and transaction settlement method which concern on this invention are not limited only to the structure of the said embodiment example, The said embodiment example The transaction settlement system and the transaction settlement method in which various modifications and changes are made from the above configuration are also included in the scope of the present invention.

It is a block diagram which shows the structure of the transaction settlement system which concerns on the example of embodiment. FIG. 2A is a block diagram showing hardware constituting the transaction settlement server of FIG. 1, and FIG. 2B is a block diagram showing functions of the transaction settlement server of FIG. It is a flowchart which shows the flow of the transaction settlement method which concerns on the embodiment. FIGS. 4A and 4B are diagrams showing screens displayed on the screen of the supplier terminal. FIGS. 5A to 5C are tables each showing information on a delivery schedule of bonds and receipts of a settlement officer of a financial institution stored in a database.

Explanation of symbols

1: Transaction settlement system 10: Financial institution 11: Transaction settlement server 12: CPU
13: Storage device 14: Database 15: Communication device 16: Input device 17: Display device 18: Printer 19: Control means 20: Settlement means 21: Delivery date determination means 22: Receipt issue means 23: Receipt 24: Schedule 25: Initial screen 26: Settlement screen 30: Supplier 31: Supplier terminal 100: Communication network

Claims (6)

In a transaction settlement system, wherein a server of a financial institution and one or more user terminals of business partners are connected via a communication line and settles a transaction of securities between the financial institution and the business partner, the server includes: ,
A storage device for storing a schedule of a settlement officer of a financial institution;
A delivery date determination means for determining a delivery date and time of a security with reference to the storage device upon receiving a request for determination of the delivery date and time of the securities in the securities transaction by designating a supplier ID from a user terminal;
A transaction settlement system comprising: a transmission unit that transmits the delivery date and time determined by the delivery date and time determination unit to the customer.   2. The server according to claim 1, further comprising: a receipt issuing unit that issues a receipt having a delivery date determined by the delivery date determination unit for a securities transaction in which a financial institution purchases a securities. Transaction settlement system.   The server includes a settlement unit that settles a transaction in a business partner account for a securities transaction, and the receipt issuing unit issues the receipt with reference to the amount settled by the settlement unit. The transaction settlement system according to claim 1 or 2. In a transaction settlement method in which a financial institution server and one or more business partner user terminals are connected via a communication line to settle a transaction of securities between the financial institution and the business partner,
The server storing a schedule of a settlement officer of a financial institution in a storage device;
When the server specifies a supplier ID from the user terminal and receives a determination request for the delivery date and time of the securities in the securities transaction, the storage device is referred to determine the delivery date and time of the securities;
And a step of transmitting the delivery date and time determined by the delivery date and time determining means to the business partner.   5. The transaction settlement method according to claim 4, further comprising the step of issuing a receipt having a delivery date determined by the delivery date determination means for a securities transaction in which a financial institution purchases securities. .   The server further comprises a step of settlement of a transaction in a business partner account for a securities transaction, and in the step of issuing the receipt, the server refers to the amount settled by the settlement means, and The transaction settlement method according to claim 4 or 5, wherein a receipt is issued.

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