JP2014081690A - Overseas remittance system and overseas remittance method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable an overseas remittance to be made with a remittance operation unchanged in a branch having no SWIFT-BIC.SOLUTION: An overseas remittance system is configured to include: a function that controls an approval process to an outward/inward transaction case in each branch of a banking organization; a function that transmits a telegraphic message preparation request to a ledger of an accounting system, using the SWIFT-BIC upon completion of the approval process in the branch having no SWIFT-BIC, and detects completion of the telegraphic message preparation request from the accounting system; a function that prepares a remittance statement for a money transfer addressed to the other branch having the SWIFT-BIC; a settlement account automatic discrimination function that, upon preparing the remittance statement, automatically discriminates a settlement account on the basis of a settlement information table storing information on a deposited account and a deposit account between the branches; and a function that, when a transaction case is overseas remittance, transmits a telegraphic message file to a SWIFT-BIC network, using the SWIFT-BIC owned by the other domestic branch.

Description

  The present invention relates to an overseas remittance system and an overseas remittance method. In particular, the present invention relates to an overseas remittance system and an overseas remittance method related to overseas remittance in China and foreign currency remittance between Chinese branches.

  Banks handling international remittance systems need to obtain a financial institution identification code provided by SWIFT (Society for Worldwide Interbank Financial Telecommunication) called SWIFT code or BIC code (Bank Identifier Code) (see Non-Patent Document 1) ). The SWIFT-BIC code is a standard format of a financial institution identification code approved by ISO (International Organization for Standardization), and is defined for identifying banks around the world, and is used in international remittance between banks.

Online Bank Swift Code Database, "What is Bank Swift Code?", [ONLINE], [Search September 25, 2012], Internet <URL: http: //www.swiftbic.com/what-is-bank-swift -code.html>

  In certain countries, such as China, it is necessary to carry out document management and regulatory reports related to overseas remittances at bank branches. For this reason, unlike in Japan, it is very difficult to centralize office work.

  FIG. 1 is a conceptual diagram of a conventional bank back-end system in China. As shown in the figure, when a new branch (new store) is opened in China, a new SWIFT-BIC code (hereinafter simply referred to as BIC) is acquired, and each back end of the settlement system, remittance system, and billing system It was necessary to implement measures for opening a new store in the system.

  However, the acquisition / maintenance of BIC requires a large amount of acquisition and maintenance costs. Moreover, since it takes a long time to acquire a BIC, it has been a restriction on the branch opening schedule.

  Therefore, in the present invention, in view of the problems as described above, an overseas remittance system that allows remittance operations to be carried out as a common BIC in China while the remittance operations are distributed to each branch in China. The purpose is to provide. That is, as shown in FIG. 2, the purpose is to provide an overseas remittance system that enables the remittance of a new store to be handled at a branch that has already acquired a BIC in China (referred to as parent branch X). .

  In order to solve the above problems, the overseas remittance system of the present invention provides the following solution.

  According to the first aspect of the present invention, an accounting system for storing a bank account ledger and an approval process for drafting, examining, and approving a destination / destination transaction item at each branch of the bank. A transaction workflow control unit to control, a POSTING unit that transmits a bookkeeping request to a ledger of the account system when the approval process is completed at a branch that does not have SWIFT-BIC that is a bank identifier, and the account system LISTENER part for detecting the completion of the bookkeeping request from and when the LISTENER part detects the completion of the bookkeeping request, the remittance details for the transfer request are created for the other domestic branch holding the SWIFT-BIC Remittance statement creation unit and a settlement information table storing information on the deposit accounts and deposit accounts between the branches when creating the remittance details And a payment account automatic determination unit for automatically determining a payment account, and when the transaction item is an overseas remittance, the SWIFT possessed by another domestic branch when the LISTENER unit detects the completion of the booking request A SWIFT I / F unit that transmits a telegram file to the SWIFT network using the BIC;

  According to the above configuration, even if a branch does not have a SWIFT-BIC, by using the SWIFT-BIC of the branch having the SWIFT-BIC, the overseas remittance business remains at each branch, and the overseas remittance is performed. It can be performed.

  The invention according to claim 2 is characterized in that, in the invention according to claim 1, the destination / destination transaction includes foreign currency remittance between domestic branches.

  According to said structure, the structure of the overseas remittance system of Claim 1 is applicable as it is also to the foreign currency remittance between domestic branches, without using a SWIFT system.

  In the invention of claim 3, in the invention of claim 2, when any branch of remittance between the domestic branches is a branch that does not have a SWIFT-BIC, the branch that has the SWIFT-BIC Is also characterized in that a remittance statement for a transfer request is created.

  According to the above configuration, if neither the destination branch nor the destination branch has a SWIFT-BIC when transferring money between domestic branches, the branch (parent branch) that owns the SWIFT-BIC By transmitting the transfer request, foreign currency transfer processing can be performed by a deposit account (settlement account) managed by the parent branch.

  According to a fourth aspect of the present invention, in the first aspect of the invention, the transaction workflow control unit performs an STP (Straight Through Processing) process on the approval process at a branch office requested for internal transfer. .

  According to the above configuration, since the approval workflow in the branch requested to transfer internally is automatically processed (STP process), generation of new labor in the transfer requested branch can be prevented.

  In the invention according to claim 5, the method of overseas remittance includes a step of controlling an approval process of drafting, scrutiny, and approval for a destination / destination transaction item at each bank branch, and a bank identifier. When the approval process is completed at a branch that does not have a SWIFT-BIC, a step of transmitting a book request to a ledger of the account system, a step of detecting completion of the book request from the account system, and the LISTENER When the department detects the completion of the bookkeeping request, a remittance specification preparation stage for generating a remittance specification for a transfer request to another domestic branch possessing the SWIFT-BIC, and at the time of preparation of the remittance specification , A step of automatically determining a settlement account based on a settlement information table storing information on a deposit account between the branches and a deposit account, and the transaction case is overseas remittance A step of transmitting a telegram file to the SWIFT network using a SWIFT-BIC possessed by another domestic branch when the LISTENER unit detects completion of the bookkeeping request. .

  The invention described in claim 5 regards the overseas remittance system of claim 1 as an invention of an overseas remittance method executed by a computer, and has the same effects as the invention of claim 1.

  According to the present invention, it is not necessary to spend time and money for acquiring a new BIC at the time of opening a new store, and the remittance business can be performed with a common BIC in China while being distributed to each branch.

It is a conceptual diagram of the back end system at the time of the new store opening in the conventional China. It is a conceptual diagram of the back end system at the time of the new store opening in China which the present invention aims at. It is the figure which showed the outline of the system configuration | structure of the remittance system 10, and the functional block. 3 is a conceptual diagram of a destination / target flow between a destination side and a destination side processed in the remittance system 10. FIG. It is the figure which showed an example of the payment information table 17 used in the payment account automatic discrimination | determination part 16. FIG. It is a conceptual diagram of the remittance flow between branches in China (between child branch A and parent branch). It is a conceptual diagram of the remittance flow between branches in China (between child branch A and child branch B). It is the figure which showed an example of the received message | telegram reception book screen.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same numbers or symbols are assigned to the same elements throughout the description of the embodiment.

  FIG. 3 is a diagram showing an outline and functional blocks of the system configuration of the remittance system 10 according to the embodiment of the present invention. The remittance system 10 is the core of the overseas remittance system of the present invention, and is connected to the foreign country branch 22 and other bank 23 of the bank via the SWIFT network 21 as shown in the figure.

  The remittance system 10 is connected to the Chinese branch account system 30 via the overseas branch network 31, and the SWIFT payment system 20 and EB (Electronic Banking), ie, It is connected to an EB system 40 that provides account inquiry and fund transfer for overseas branch accounts via the Internet.

  The remittance system 10 includes, as one functional configuration example, a transaction workflow control unit 11 that controls a transaction workflow in a bank, a SWIFT I / F unit 12 that controls an interface I / F with each external system, The system includes an EB system I / F unit 13, an overseas branch account system I / F unit 14, a remittance statement creation unit 15 that is an internal functional unit, and an automatic settlement account determination unit 16. Hereinafter, each functional unit will be described in order.

  The transaction workflow control unit 11 controls a workflow for executing an approval process in the bank such as transaction input (Entry), scrutiny (Check), and approval (Approve), and also provides a screen for each person in charge. The transaction workflow control unit 11 also controls a message reception book screen 18 described later. The approval process requires three steps of Entry, Check, and Approve on the destination side (Outward), but the destination side (Inward) may be processed in two steps: Entry, Check & Approve. Many.

  The SWIFT I / F unit 12 controls the interface with the SWIFT network 21 via the SWIFT settlement system 20 and exchanges messages with the other country branch 22 and other bank 23 connected to the SWIFT network 21. . More specifically, “SWIFT OUT” for putting a SWIFT message file by FTP (File Transfer Protocol) in the SWIFT OUT folder, “SWIFT IN” for getting the SWIFT message file by FTP in the SWIFT IN folder, and Ack of SWIFT OUT. It consists of “SWIFT ACK” to be received. When a SWIFT message is transmitted using SWIFT OUT, a BIC of a “parent branch” described later is used. Note that SWIFT OUT, SWIFT ACK, and SWIFT IN are started as a background process (BGP).

  The EB system I / F unit 13 is an interface unit that connects the EB system 40 that provides an EB (Electronic Banking) service such as account inquiry and funds transfer related to an overseas account through the Internet, and the remittance system 10. Control the exchange of data.

  The overseas branch account system I / F unit 14 controls an interface with the Chinese branch account system 30 via the overseas branch network 31. The overseas branch account system I / F unit 14 is further activated as BGP, and the “POSTING unit” that transmits an accounting request to the ledger held by the account system for each branch is also activated as BGP. The “LISTENER section” for detecting the completion notification of the book entry from the Chinese branch account system 30.

  The remittance statement creation unit 15 is activated when the above-mentioned LISTENER unit receives a booklet completion notification from the Chinese branch account system 30, and the transaction workflow control unit 11 finishes the book from the China branch account system 30. Update the status information to show that The transaction workflow control unit 11 that has received that the book has been completed normally requests the SWIFT I / F unit 12 to issue the SWIFT OUT, and the SWIFT I / F unit 12 After receiving the SWIFT ACK from 20, the status information of the relevant transaction in the transaction workflow control unit 11 is updated.

  The remittance statement creation unit 15 creates an internal transfer request to the remittance branch (destination branch), that is, a remittance statement. At this time, the settlement account automatic discrimination unit 16 is called to automatically discriminate the deposit accounts and deposit accounts of other banks and stores using a settlement information table described later. A destination / target flow, which is a flow of processing between the destination side and the destination side at this time, will be described in detail with reference to the drawings described later.

  The functional configuration of the remittance system 10 described above is merely an example, and one functional unit may be further divided, or a plurality of functional units may be configured as one functional unit. In each functional unit, a CPU (Central Processing Unit) built in the apparatus reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk, and the computer program executed by the CPU is Reads and writes necessary data such as tables from a database (DB; Data Base) stored in a storage device or a storage area in memory, and in some cases, related hardware (for example, input / output devices, display devices, communication interfaces) This is realized by controlling the apparatus. The above database (DB) may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself does not matter.

  FIG. 4 is a conceptual diagram of the destination / target flow between the destination side and the destination side processed in the remittance system 10. First, consider the case of transferring money from a Chinese branch to an overseas bank. Here, the Chinese branch is a branch that has not acquired BIC. A branch that has not acquired a BIC and that is “integrated” with a branch that has already acquired a BIC and performs a remittance operation is referred to as a BIC integrated subsidiary branch or simply a subsidiary branch. A branch that has acquired BIC and that “integrates” a BIC integrated child branch is referred to as a BIC integrated parent store or simply a parent branch. In addition, the number enclosed with (circle) in a figure shall represent the order (step number) of a process.

  In the destination flow on the left side of FIG. 4, first, a telegram of a remittance statement is created manually or semi-automatically (draft) at a Chinese branch, and input as an entry of a workflow.

  When the workflow of Entry, Check, and Approve in the Chinese branch is completed, as step 1, the POSTING section transmits a book request to the ledger of the child branch of the Chinese branch account system 30. At this time, in the accounting request, the customer account of the remittance source is set in the debit (DR: DebitoR), and the parent branch deposit account is set in the credit (CR: CreditoR). When the LISTENER part detects the result of the book entry request (step 2), it notifies the creator of the workflow draft (Maker) or Approver, or updates the status of the corresponding matter in the transaction workflow control part 11 (step) 3).

  Furthermore, the remittance statement creation unit 15 (not shown) activated by the LISTENER unit creates a remittance statement for internal transfer to the transaction workflow control unit 11 of the parent Chinese branch, and makes the workflow Entry. (Step 3 '). At this time, the settlement account automatic discrimination unit 16 sets a deposit account of the Chinese branch in the DR and a Nostro account of the message transmission destination in the CR.

  A Nostro account is a we account for settlement of funds in interbank transactions, which is a settlement account held in a local currency in a foreign country. Normally, in foreign exchange transactions between banks, it is necessary to notify the other bank of a settlement account for foreign currency.

  The workflow that has been entered into the parent branch is executed by the “STP” process. Here, STP (Straight Through Processing) means that a series of office work is automatically performed by a computer without human intervention. By performing the STP process on the workflow at the parent branch, the current system process can be used as it is.

  In step 3, the transaction workflow control unit 11 (not shown) that has received the completion of the book entry from the LISTENER unit requests the SWIFT I / F unit 12 (not shown) to send SWIFT OUT. (Step 4). However, the BIC of the parent branch is used for the SWIFT message at this time. The completion of SWIFT OUT (SWIFT ACK) is also notified to transaction workflow control unit 11 (step 5).

  When the workflow subjected to the STP process on the parent branch side is completed, the POSTING section on the parent branch side requests a book entry for the account of the parent branch of the Chinese branch account system 30 in step 4 ′.

  When the LISTENER section on the parent branch side receives the completion of the book entry from the Chinese branch account system 30 in step 5 ', it is also notified to the transaction workflow control section 11 that controlled the STP process, and its status is updated.

  The above steps complete the overseas remittance from the child branch to another country bank. Here, it should be noted that the parent branch does not act on the child branch, but all the external business processing to the SWIFT network or the like is performed by the child branch.

  The destination flow is shown on the right side of FIG. In the destination flow, the branch office of the recipient is determined by the account number included in the message file that SWIFT IN has obtained via FTP from the overseas bank or the like via the SWIFT network 21. If the remittance is directed to the customer of the Chinese parent branch, the normal remittance process in the parent branch is completed (step 1 '). If the telegram file is a remittance to the Chuko Branch, the following steps are performed.

  First, a telegram of a remittance statement is created manually or semi-automatically at a Chinese branch, and input as an entry of a transaction workflow (step 1). At this time, using the received message reception list screen 18, assignment of persons in charge and status management of subsequent messages are performed.

  When the Check & Approve approval flow of the drafted message ends, a posting request is sent to the account of the child branch of the Chinese branch account system 30 by the POSTING section (step 2). At this time, the parent branch deposit account is set in the debit (DR), and the account of the customer of the Chinese child branch that is the recipient is set in the credit (CR). When the book entry request is completed, the child branch's LISTENER section detects it (step 3) and notifies the transaction workflow control section 11 or updates the status of the transaction (step 4).

  The LISTENER unit activates the remittance statement creation unit 15, which creates a remittance statement for an internal transfer request between the child branch and the parent branch, and sends it to the transaction workflow control unit 11 of the parent branch. Entry is started and the transaction workflow is started as STP (step 4 '). At this time, the payment account automatic discrimination unit 16 sets the nostro account of the message transmission source in DR and the custody account of the child branch in CR.

  When the STP process of the workflow at the parent branch is completed, the POSTING section on the parent branch side transmits a bookkeeping request to the parent branch account of the Chinese branch account system 30 (step 5). At this time, the nostro account of the message transmission source is set in the debit (DR), and the deposit account of the child branch A in the parent branch is set in the credit (CR). When the LISTENER unit on the parent branch side detects the completion of the book entry request, it updates the notification or status to the transaction workflow control unit 11 of the parent branch (step 6). Through the above steps, the receipt payment from the foreign bank to the child branch is completed.

  FIG. 5 is a diagram showing an example of the payment information table 17 used in the payment account automatic determination unit 16. The upper part of the figure shows a table for a child branch, and the lower part of the figure shows a table for a parent branch.

  The settlement information table 17 has columns of “In / Out”, “Currency”, “Type”, “Network”, “RcvBank”, “Our Corres Bank”, and “Account”. The “In / Out” column is used to distinguish between Inward and Outward. The “Type” column represents a message type (MT) of a message. For example, TT (Telegraphic Transfer) represents a wire transfer, and DD (Demand Draft) represents a remittance check.

  The “Network” column represents a network through which the transaction passes, and “SWIFT” and “between branches” exist. The reason why “between branches” exists other than “SWIFT” will be described later. The “RcvBank” column stores an identifier of “receiving bank”. In the “Our Corres Bank” column, an identifier of “Corres Bank” is stored.

  A correspondent bank is a bank that serves as a relay point for money when sending money abroad. Since there is no organization that corresponds to the central bank in the case of domestic exchange in foreign exchange, the bank establishes an account (corresponding account) with an overseas bank, and settles by transferring funds using that account I do. For example, in a remittance transaction, if the remittance destination bank is not the correspondent bank correspondent, the remittance instruction is given to the correspondent correspondent bank, and then the remittance is sent together with the bank and account number remarks as the final destination.

  The “account” column of the settlement information table 17 indicates whether the settlement account is a parent branch deposit account, a child branch deposit account, or a Nostro account. For example, when transferring money from a child branch CQN to an overseas bank, the following steps are taken.

  1) In the remittance details when the child branch CQN enters the draft, the Our Cores Bank refers to the Outward side of the payment information table 17b of the parent branch SHA, and the identifier (BIC) of the “corresponding bank” Is set (indicated by an arrow 17s).

  2) As the second account column (CR) in the remittance details when POSTING requests a book entry in the child branch CQN, the “SHA deposit” shown in the “Account” column on the Outward side of the settlement information table 17a of the child branch CQN Is set (indicated by an arrow 17u).

  3) At the child branch CQN, when the remittance statement creating unit 15 creates a remittance statement for an internal transfer request, the Outward side of the settlement information table 17b of the parent branch SHA is referred to, and the first account column (DR ) Is set to “CQN deposit” (indicated by arrow 17v), and “Nostro” is set in the second account column (CR) (indicated by arrow 17w). In this way, each remittance statement is created with reference to the settlement information table 17.

  In the explanation of FIG. 4, the flow of destination / destination between the Chinese branch and the overseas via SWIFT was explained. However, the remittance system 10 is not limited to the remittance between the Chinese branch and the foreign country, but also in foreign currency. It can also be used to transfer money between Chinese branches. Previously, foreign currency remittance between branches in China was done using SWIFT, but remittance between branches in China can be made without using SWIFT, using the remittance system 10 described above. It becomes. In the past, SWIFT was used as described at the beginning. In China, document management and reporting to authorities must be done at each branch. For this reason, each branch acquires a BIC and uses SWIFT. It was because it was more convenient.

  FIG. 6 is a conceptual diagram of the inter-branch remittance flow in China (between child branch and parent branch). Here, the left side of the figure shows the case of remittance of foreign currency from the child branch to the parent branch, and the right side of the figure shows the case of remittance of foreign currency from the parent branch to the child branch. The same.

  When remittance from the child branch on the left side of the figure to the parent branch, when the transaction workflow control unit 11 completes the Entry, Check, and Approve workflows, a book entry request is issued to the ledger of the child branch of the Chinese branch account system 30. (Step 1). At this time, the customer account of the Chinese subsidiary branch is set in the debit (DR), and the deposit account for the Chinese parent branch is set in the credit (CR). When the LISTENER unit detects the completion (step 2), the remittance statement creation unit 15 is activated, updates the notification or status to the transaction workflow control unit 11 (step 3), and sends the remittance details for the destination to the parent branch. Is created (step 3 '). At this time, the settlement account automatic determination unit 16 sets the Chinese branch account in DR and the Chinese parent branch customer account in CR. Since domestic remittance, SWIFT OUT and SWIFT IN processing for SWIFT is not necessary.

  At the parent branch, a workflow that is manually or semi-automatically entered is started, and the ledger of the parent branch of the Chinese branch account system 30 is recorded (steps 4, 5, and 6).

  When the workflow at the parent branch is completed, the ledger of the parent branch of the Chinese branch account system 30 is updated by the POSTING part and the LISTENER part. The above steps complete the remittance from the Chinese child branch to the parent branch. Note that the remittance from the parent branch to the child branch on the right side of FIG. 6 is the same as the flow except that the DR / CR account setting by the settlement account automatic discrimination unit 16 is different, and the description thereof will be omitted.

  FIG. 7 is a conceptual diagram of the inter-branch remittance flow in China (between child branch A and child branch B). In this case, unlike the case of FIG. 6, the destination side and the destination side are both child branches, but the parent branch enters between both child branches. This is because the parent branch has a deposit account for the foreign currency of each of the child branch A and the child branch B, and transfer between the two branch branches can be performed using this deposit account.

  In the child branch A, the flow from Step 1 to Step 3 starting from the entry to the workflow is the same as that in FIG. 6, but in Step 3 ′, an internal transfer request is made to the parent branch. The remittance details are created and entered into the workflow of the Chinese parent branch. At the same time, in step 3 ″, a remittance specification for the remittance child branch B is also created, and the entry is entered into the workflow of the Chinese child branch. At this time, the settlement account automatic discrimination unit 16 performs step 3 ′. In China, the Chinese branch A account is set in DR and the Chinese branch B account is set in CR. In step 3 "", the Chinese parent account is set in DR and the Chinese branch B customer account is set in CR. Is done.

  In the parent branch, the STP process is performed on the workflow of the remitted remittance details. In the child branch B, the workflow Entry, Check & Approve processes are performed manually, not STP processing. This is because the person in charge assigned to each item needs to perform the subsequent processing consistently. If the workflow is subjected to STP processing, the received message reception screen 18 is not necessary.

  FIG. 8 is a diagram showing an example of the received telegram acceptance book screen 18. The received message reception list screen 18 is managed by the transaction workflow control unit 11 and is configured based on a table for displaying the state of each message as shown in the figure. The “MSG” column of the received message reception list screen 18 indicates the type of message. For example, MT 103 is a customer remittance message, MT 110 is a demand draft, and MT 19X is a cancellation or fee associated with the customer remittance. Indicates inquiry. The “Status” column indicates the processing status of the received message at the destination store, such as being processed, being checked, and being corrected. The “Sender's Ref” column shows the transaction number assigned at the destination store, the “Received Date” column shows the date when the destination store received the message, and the “Value Date” column shows the date of remittance.

  4, 6, and 7, the processing flow of the normal case destination / target destination has been described, but the details are omitted, but as an unusual case other than this, It is also possible to automate transfer drafts to be generated at the Chinese parent branch and child branch that occur when a remittance transaction is canceled. In addition, it is possible to provide information (fee, inquiry, answer) transmission means related to remittance between branches using Shanghai BIC.

  As described above, the above embodiment has been described by taking China as an example. However, the same mechanism as that of the present system can be applied to a country having a similar system for document management related to overseas remittance, authority reports, and the like, such as Vietnam.

  However, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 10 Remittance system 11 Transaction workflow control part 12 SWIFT I / F part 13 EB system I / F part 14 Overseas branch account system I / F part 15 Remittance details preparation part 16 Settlement account automatic discrimination part 17 Settlement information table 18 Received message Receipt screen 20 SWIFT payment system 21 SWIFT network 22 Own branch office 23 Other bank 30 China branch account system 31 Overseas branch network 40 EB system 41 On-site network

Claims (5)

An account system that stores the ledger of the bank account;
At each branch of the bank, a transaction workflow control unit that controls the approval process of drafting, scrutiny, and approval for a destination / destination transaction case;
In a branch that does not have SWIFT-BIC, which is a bank identifier,
A POSTING unit that sends a booking request to the ledger of the accounting system when the approval process is completed;
A LISTENER unit for detecting completion of a bookkeeping request from the accounting system;
A remittance specification creation unit that creates a remittance specification for a transfer request to another domestic branch that owns the SWIFT-BIC when the LISTENER unit detects completion of the bookkeeping request;
A payment account automatic determination unit for automatically determining a payment account based on a payment information table storing information on the deposit account and the deposit account between the branches when creating the remittance statement;
When the transaction item is an overseas remittance, when the LISTENER unit detects the completion of the booking request, it transmits a message file to the SWIFT network using the SWIFT-BIC possessed by another domestic branch. SWIFT I / F section,
Overseas remittance system characterized by comprising   The overseas remittance system according to claim 1, wherein the destination / destination transaction includes foreign currency remittance between domestic branches.   If any of the branches for remittance between domestic branches is a branch that does not have a SWIFT-BIC, a remittance statement for a transfer request is also created for the branch that owns the SWIFT-BIC. The overseas remittance system according to claim 2.   2. The overseas remittance system according to claim 1, wherein the transaction workflow control unit causes the approval process to be processed through STP (Straight Through Processing) at a branch office requested for internal transfer. At each bank branch, control the approval process for drafting, scrutiny and approval for inbound / outbound transactions,
In a branch that does not have SWIFT-BIC, which is a bank identifier,
Sending a booking request to the ledger of the accounting system when the approval process is completed;
Detecting completion of a booking request from the billing system;
A remittance statement creation stage for creating a remittance statement for a transfer request to another domestic branch having the SWIFT-BIC when the LISTENER unit detects completion of the bookkeeping request;
Automatically discriminating a settlement account based on a settlement information table storing information on deposit accounts between the branches and deposit accounts when creating the remittance statement;
When the transaction item is an overseas remittance, when the LISTENER unit detects the completion of the booking request, it transmits a message file to the SWIFT network using the SWIFT-BIC possessed by another domestic branch. Stages,
An overseas remittance method characterized by including:

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