JP2015084163A - Reserve control device, reserve control method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve reserve in accordance with the assumption of a client.SOLUTION: A reserve control device comprises an exchange rate acquisition unit that acquires a foreign currency exchange rate at a foreign currency reserve candidate date, a rate comparison unit that compares the exchange rate acquired by the exchange rate acquisition unit with a reference rate, and a reserve control unit that executes the foreign currency reserve when a predetermined comparison result is obtained by the rate comparison unit.

Description

  The present invention relates to a reserve control device, a reserve control method, and a program.

  Recently, the transaction forms of financial products are diversifying. Accumulation as an example of transaction form has the advantage that the burden on the procedural aspects of the customer is small because the system automatically and regularly accumulates assets. Further, the accumulation of foreign currency, which is an example of a financial product, has an effect of smoothing the fluctuation range of the transaction value (dollar cost averaging method), and thus has an advantage that the risk of the customer can be reduced. A specific example of such accumulation is also disclosed in Patent Document 1, for example.

Japanese Patent Laid-Open No. 2004-192587

  However, with existing foreign currency reserves, foreign currency may be purchased regardless of the transaction value of the foreign currency, and customers may suffer unexpected disadvantages. For example, in foreign currency funding, the exchange rate may fluctuate temporarily due to market trends and the announcement of economic indicators, so foreign currency may be purchased under a weaker yen than expected by customers. Can happen. As a specific example, if a customer sets a monthly reserve of 100,000 yen and the US dollar exchange rate sharply increases from 100 yen to 110 yen, the US dollar reserve will decrease from $ 1000 to about $ 909. To do.

  Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a new and improved funding control device capable of realizing funding in accordance with customer assumptions, It is to provide a funding control method and program.

  In order to solve the above problems, according to an aspect of the present invention, an exchange rate acquisition unit that acquires a foreign currency exchange rate on a candidate date for foreign currency accumulation, and an exchange rate and a reference rate acquired by the exchange rate acquisition unit There is provided a funding control device comprising: a rate comparing unit that compares the above and a reserve control unit that executes the foreign currency reserve when a predetermined comparison result is obtained by the rate comparing unit.

  The accumulation control unit executes the foreign currency accumulation when a comparison result that the exchange rate of the foreign currency is lower than the reference rate is obtained, and a comparison result that the exchange rate of the foreign currency exceeds the reference rate is obtained. In such a case, the foreign currency reserve need not be executed.

  The accumulation control apparatus may further include a transmission unit that transmits information for displaying the reference rate setting screen to the customer terminal.

  On the setting screen, a fixed value may be set as the reference rate.

  On the setting screen, a dynamically changing value may be set as the reference rate.

  In the setting screen, any rule may be selected from a plurality of rules for specifying the candidate date for foreign currency reserve.

  On the setting screen, it may be possible to set the amount of foreign currency reserve.

  The exchange rate acquisition unit acquires an exchange rate that is more preferential than the exchange rate applied to other customers as the exchange rate of the foreign currency for a customer whose amount of the foreign currency reserve in a unit period is a predetermined amount or more. May be.

  The accumulation control device may further include a transmission unit that transmits a notification to a customer terminal when the foreign currency accumulation is not executed on the foreign currency accumulation candidate date.

  In order to solve the above-mentioned problem, according to another aspect of the present invention, a step of acquiring a foreign currency exchange rate on a foreign currency candidate date and a step comparison of comparing the acquired exchange rate with a reference rate And a step of executing the foreign currency accumulation when a predetermined comparison result is obtained.

  In order to solve the above problem, according to another aspect of the present invention, a computer is acquired by an exchange rate acquisition unit that acquires an exchange rate of a foreign currency on a foreign currency reserve candidate date, and the exchange rate acquisition unit. A program is provided for functioning as a comparison unit that compares the exchange rate and the reference rate, and a reserve control unit that executes the foreign currency reserve when a predetermined comparison result is obtained by the comparison unit. .

  As described above, according to the present invention, it is possible to realize accumulation according to customer assumptions.

It is explanatory drawing which showed the structure of the financial service provision system. It is explanatory drawing which showed the specific example of the foreign currency transaction selection screen. It is explanatory drawing which showed the specific example of the setting screen of a foreign currency reserve. It is explanatory drawing which showed the transition example of the exchange rate. It is the functional block diagram which showed the structure of the bank server by embodiment of this invention. It is explanatory drawing which showed the structural example of customer information DB. It is explanatory drawing which showed the structural example of yen deposit information DB and foreign currency deposit information DB. It is explanatory drawing which showed the example of a structure of accumulation | storage setting information DB and separate account DB. It is the chart which showed the example of change of the exchange rate of a foreign currency (US dollar). 5 is a flowchart illustrating an operation of a bank server according to an embodiment of the present invention. It is the block diagram which showed the hardware constitutions of the bank server.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

  In the present specification and drawings, a plurality of components having substantially the same functional configuration may be distinguished by adding different alphabets after the same reference numeral. However, when it is not necessary to particularly distinguish each of a plurality of constituent elements having substantially the same functional configuration, only the same reference numerals are given.

Further, the “DETAILED DESCRIPTION OF THE INVENTION” will be described according to the following item order.
1. 1. Overview of financial service provision system 2. Bank server configuration Operation of bank server 4. Modification 5 Hardware configuration Conclusion

<1. Overview of financial service provision system>
First, a financial service providing system 1 including a bank server 20 according to the present embodiment having a function as an accumulation control device will be described with reference to FIG.

  FIG. 1 is an explanatory diagram showing the configuration of the financial service providing system 1. As shown in FIG. 1, the financial service providing system 1 includes a customer terminal 10 and a bank server 20, and the customer terminal 10 and the bank server 20 are connected via a communication network 12.

(Communication network)
The communication network 12 is a wired or wireless transmission path for information transmitted from a device connected to the communication network 12. For example, the communication network 12 may be a public line network such as the Internet, a telephone line network, a satellite communication network, various local area networks (LANs) including the Ethernet (registered trademark), a wide area network (WAN), an IP-VPN ( A leased line network such as Internet Protocol-Virtual Private Network may be included.

(Customer terminal)
The customer terminal 10 is an information processing terminal referred to by a financial institution customer. The customer can use the customer terminal 10 to execute various transactions provided by the bank server 20. Examples of the various transactions include transactions that can be executed in ATM (Automatic Teller Machine) such as deposit balance inquiry, deposit / withdrawal inquiry, account transfer, and transfer, and buying and selling of financial products such as foreign currency and investment trusts. .

  Although FIG. 1 shows a PC (Personal Computer) as the customer terminal 10, the customer terminal 10 is not limited to this example. For example, the customer terminal 10 includes a mobile phone, a home video processing device (DVD recorder, VCR, etc.), a PHS (Personal Handyphone System), a portable music playback device, a portable video processing device, a PDA (Personal Digital Assistant), It may be an information processing terminal such as a home game machine, a portable game machine, or a home appliance.

  In FIG. 1, only one customer terminal 10 is shown, but in reality, many customer terminals 10 such as thousands, hundreds of thousands, or tens of millions are connected to the bank server 20 via the communication network 12. It is assumed that they are connected via

(Bank server)
The bank server 20 executes various transactions based on the communication with the customer terminal 10. In particular, the bank server 20 according to the embodiment of the present invention receives a foreign currency reserve application from a customer, and executes the foreign currency reserve under conditions set by the customer. For example, the bank server 20 transmits information for displaying a foreign currency transaction selection screen to the customer terminal 10. And the bank server 20 will transmit the information for displaying the setting screen of a foreign currency reserve to the customer terminal 10, if the transaction of a foreign currency reserve is selected by the customer in a foreign currency transaction selection screen, and it is set by the customer in the said setting screen. It is possible to reserve foreign currency based on the information. The configuration of each screen will be described below with reference to FIGS.

-Foreign currency transaction selection screen-
FIG. 2 is an explanatory diagram showing a specific example of a foreign currency transaction selection screen. The foreign currency transaction selection screen is a screen for selecting a foreign currency transaction desired by the customer. For example, as shown in FIG. 2, the selection item 41 for “normal purchase”, the selection item 42 for “normal sale”, and the “limit price” It includes selection items such as a “purchase” selection item 43, a “limit sale” selection item 44, and a “funded purchase” selection item 45.

  “Normal purchase” is a transaction for purchasing foreign currency at a real-time exchange rate, and “normal sale” is a transaction for selling foreign currency at a real-time exchange rate. “Limit price purchase” is a transaction in which a foreign currency is purchased by specifying an exchange rate, and “limit price sale” is a transaction in which a foreign currency is sold by specifying an exchange rate. The “funded purchase” is a transaction that automatically performs foreign currency funding on a regularly scheduled funding date (candidate date).

-Foreign currency reserve setting screen-
FIG. 3 is an explanatory diagram showing a specific example of a setting screen for foreign currency reserve. The foreign currency reserve setting screen is a screen for setting conditions for foreign currency reserve. For example, as shown in FIG. 3, a reserve currency input column 51, a reserve amount input column 52, a date input selection box 53, a date input A field 54, a day of the week input selection box 55, a day of the week input field 56, a daily designation selection box 57, a purchase condition rate setting box 58, and a rate input field 59.

  The reserve currency input field 51 is an area for inputting a currency for reserve. In the reserve currency input field 51, for example, a currency can be selected by pull-down. In the present specification, an example in which US dollars are mainly purchased in yen will be described, but the combination of trading currencies is not limited to such an example. For example, buying or selling any combination of currency groups such as US dollar, euro, pound sterling, Australian dollar, New Zealand dollar, Canadian dollar, Swiss franc, Hong Kong dollar, Brazilian real, RMB, South African rand, Swedish krona, and yen Embodiments of the present invention are applicable.

  The reserve amount input field 52 is an area for inputting the amount of money to reserve foreign currency on each reserve date. For example, the lower limit of the amount that can be entered in the reserve amount input field 52 may be 500 yen. Here, since the general reserve amount is in the unit of 1,000 yen or 10,000 yen, it is possible to improve the degree of freedom of the customer regarding the reserve of foreign currency by making it possible to reserve from 500 yen. Although FIG. 3 shows a setting screen for foreign currency reserve by fixed amount purchase, it is also possible to reserve foreign currency by quantitative purchase. For this reason, the foreign currency reserve setting screen may include an input field for the amount of currency to be saved.

  The date input selection box 53, the day of the week input selection box 55, and the daily designation selection box 57 are check boxes for selecting regularity of accumulation timing (accumulation cycle).

  The date input selection box 53 is selected when the customer inputs a date as the accumulation timing. The date input field 54 is an area for the customer to input a specific reserve date. The foreign currency reserve setting screen may include three date entry fields 54a to 54c as shown in FIG. In this case, the customer can input three dates as the accumulation date. Here, when the number of accumulations per month is only one, the effect of smoothing the exchange fluctuation becomes lower than when the number of accumulations per month is plural. In particular, when the funding period is short, such as several months or half a year, there is a concern that the effect of exchange rate fluctuations cannot be sufficiently smoothed by funding only once a month. It is useful to be able to input

  The day-of-week input selection box 55 is a check box that is selected when a customer inputs a day of the week as the accumulation timing. The day of the week input field 56 is an area for the customer to input a specific day of the week. When the day of the week input is selected, the number of accumulations per month is 4 to 5 times, so that the effect of exchange rate fluctuations can be smoothed more than when the number of accumulations per month is only one.

  The daily designation selection box 57 is a check box that is selected when the customer designates every day except Saturdays and Sundays as the accumulation timing. If daily designation is selected, it is possible to maximize the effect of smoothing the effects of exchange rate fluctuations.

-Background to the embodiment of the present invention-
By the way, in the existing foreign currency funding, foreign currency is purchased regardless of the exchange rate, so the customer may suffer an unexpected disadvantage. For example, the exchange rate may fluctuate temporarily due to market trends or the announcement of economic indicators, so foreign currency may be purchased under a weaker yen than expected by customers. As a specific example, when a customer sets the first day of every month as a funding date and the exchange rate fluctuates as shown in FIG. 4, July 1st, August 1st, when the yen is weaker against the dollar, Not only on October 1st, but also on September 1st when the US dollar / yen has been in a state of rapid growth, the US dollar will be purchased. While funding has the effect of smoothing out the effects of exchange rate fluctuations, it is detrimental to the customer to purchase a rapidly growing US dollar.

  The embodiment of the present invention has been made in view of the above-described circumstances, and the bank server 20 according to the embodiment of the present invention can realize accumulation based on customer assumptions. For this purpose, the bank server 20 sets a purchase upper limit rate for foreign currency reserve by including a purchase condition rate setting box 58 and a rate input field 59 in the foreign currency reserve setting screen as shown in FIG. And the bank server 20 performs foreign currency reserve, when the exchange rate on a reserve day is below a purchase upper limit rate. On the other hand, the bank server 20 does not perform foreign currency accumulation when the exchange rate on the accumulation date exceeds the purchase upper limit rate. With this configuration, for example, when the purchase upper limit rate is set to 110 yen, foreign currency reserves are executed on July 1, August 1, and October 1 for the exchange fluctuation shown in FIG. On September 1st, when the yen has temporarily increased rapidly, it will be possible to forego foreign currency reserves. Hereinafter, the configuration and operation of the bank server 20 according to the embodiment of the present invention will be sequentially described in detail.

<2. Bank Server Configuration>
FIG. 5 is a functional block diagram showing the configuration of the bank server 20 according to the embodiment of the present invention. As shown in FIG. 5, the bank server 20 includes a communication unit 216, a storage unit 230, a display control unit 234, a setting management unit 238, a fund binding unit 242, an exchange rate acquisition unit 246, and a rate comparison Unit 250, accumulation control unit 254, and cover transaction control unit 258.

(Communication Department)
The communication unit 216 communicates with the customer terminal 10 or a server of another financial institution via the communication network 12. For example, the communication unit 216 functions as a transmission unit that transmits information for displaying the foreign currency transaction selection screen and the foreign currency reserve setting screen described with reference to FIG. 2 in accordance with control from the display control unit 234, information provision It has a function of receiving exchange rate information from the server, a function of transmitting a predetermined notification to the customer terminal 10, a function of performing communication for cover transactions, and the like.

(Memory part)
The storage unit 230 stores various data used for operations in the bank server 20. For example, as illustrated in FIG. 5, the storage unit 230 stores a customer information DB, a yen deposit information DB, a foreign currency deposit information DB, a reserve setting information DB, a separate account DB, and a display screen DB. Hereinafter, a configuration example of each DB will be described with reference to FIGS.

  FIG. 6 is an explanatory diagram showing a configuration example of the customer information DB. As shown in FIG. 6, the customer information DB includes a customer table for each customer. The customer table includes identification information, customer information, and history information. The identification information is information for identifying a customer registered in the bank server 20, and corresponds to, for example, an account number. The customer information is information related to the customer, and may include information such as the customer's name, age, date of birth, address, telephone number, home PC mail address, occupation, family structure, annual income, and password. Further, the customer information includes information indicating whether or not the customer has a foreign currency credit card, and a customer stage indicating the degree of customer excellence. The history information includes information before and after updating the customer table. For example, in the history information, the password before the change is recorded when the password is changed, and the address before the change is recorded when the customer's address is changed.

  FIG. 7 is an explanatory diagram showing a configuration example of the yen deposit information DB and the foreign currency deposit information DB. As shown in FIG. 7, the yen deposit information DB includes a yen deposit table for each customer, and the foreign currency deposit information DB includes a foreign currency deposit table for each customer.

  The yen deposit table includes identification information, yen ordinary deposit information, yen term deposit information, and history information. The identification information is information for identifying the customer, and the bank server 20 can search the target customer's yen deposit table by referring to the identification information. The yen savings information includes current savings balance information. Also, the yen time deposit information includes, for example, information related to the yen time deposit for each contract term such as 1 million yen per year, maturity date, interest rate, and the like. The history information indicates the contents of transactions and actions previously performed by the customer, and includes, for example, information on the deposit and withdrawal amount and date / time for the yen ordinary deposit and yen term deposit.

  The foreign currency deposit table includes identification information, foreign currency ordinary deposit information, foreign currency reserve deposit information, and history information. The identification information is information for identifying the customer, and the bank server 20 can search the foreign currency deposit table of the target customer by referring to the identification information. The foreign currency ordinary deposit information includes balance information of the current ordinary deposit. The foreign currency reserve deposit information includes information indicating the reserve amount of the foreign currency. The history information indicates the contents of transactions and actions previously performed by the customer, and includes, for example, information on deposit / withdrawal amounts and dates / times for foreign currency ordinary deposits and foreign currency reserve deposits.

  FIG. 8 is an explanatory diagram showing a configuration example of the funding setting information DB and the separate account DB. As shown in FIG. 8, the funding setting information DB includes a funding setting information table for each customer, and the separate account DB includes a separate account table for each customer.

  The accumulation setting information table includes identification information, accumulation currency information, accumulation amount information, accumulation timing information, and purchase upper limit rate information. The identification information is information for identifying the customer, and the bank server 20 can search the reserved reservation information table of the target customer by referring to the identification information. The accumulated currency information is information indicating the accumulated currency input to the customer on the foreign currency accumulation setting screen. The reserve amount information is information indicating the reserve amount input to the customer on the foreign currency reserve setting screen. The accumulation timing information is information indicating the accumulation timing input to the customer on the foreign currency accumulation setting screen. The purchase upper limit rate information is information indicating the purchase upper limit rate input by the customer on the foreign currency reserve setting screen.

  The separate account table includes identification information and binding amount information. The identification information is information for identifying the customer, and the bank server 20 can search the separate account table of the target customer by referring to the identification information. Although details will be described later, the binding amount information is information indicating the amount of funds transferred from the customer's yen ordinary deposit before the foreign currency reserve is executed.

  The display screen DB illustrated in FIG. 5 includes information for displaying various display screens such as a foreign currency transaction selection screen and a foreign currency reserve setting screen on the customer terminal 10.

(Display control unit)
The display control unit 234 controls display on the customer terminal 10 by transmitting information included in the display screen DB to the customer terminal 10 via the communication unit 216. For example, the display control unit 234 causes the customer terminal 10 to display a foreign currency transaction selection screen, a foreign currency reserve setting screen, and the like by transmitting information for displaying a foreign currency transaction selection screen, a foreign currency reserve setting screen, and the like.

(Setting Manager)
The setting management unit 238 manages the setting of the foreign currency reserve in the reserve setting information DB based on the input contents of the customer to the foreign currency reserve setting screen received by the communication unit 216. For example, the setting management unit 238 adds a reserve setting information table for a new customer, updates an existing reserve setting information table, and the like.

(Financial Restraint Department)
The fund restraint unit 242 restrains funds for foreign currency reserve from the customer's yen savings account for foreign currency reserve. Specifically, the fund restraint unit 242 moves funds corresponding to the reserve amount from the customer's yen savings account to another account before the foreign currency reserve is executed. That is, the fund binding unit 242 subtracts the funds corresponding to the reserve amount from the yen ordinary deposit information of the yen deposit table, and adds the fund corresponding to the reserve amount to the constraint amount information of the separate account table. Such fund restraint makes it possible to carry out foreign currency accumulation more reliably. In addition, when it is deducted from a customer via ATM (Automated Teller Machine) or Internet banking after the funds are restrained and there is an instruction to transfer funds such as a transfer, the bank server 20 indicates the yen ordinary deposit information after the funds are restrained. Transfer funds within the balance.

  On the other hand, there is a case where funds corresponding to the reserve amount cannot be bound due to a shortage of Yen savings balance. In this case, the communication unit 216 may transmit, to the customer terminal 10, a notification indicating that foreign currency accumulation cannot be performed due to a lack of Yen ordinary deposit balance. With such a configuration, it is possible to promote the deposit to the yen ordinary deposit by the customer.

(Exchange rate acquisition department)
The exchange rate acquisition unit 246 acquires exchange rate information from, for example, an external information providing server. In addition, the exchange rate used for foreign currency accumulation may differ according to a customer's excellence. For example, a preferential exchange rate, that is, a low exchange rate may be applied to a customer with a higher degree of excellence.

  The customer's superiority can be determined from various viewpoints. For example, the bank server 20 may determine the quality of the customer according to the balance of the yen deposit account. Moreover, the bank server 20 may judge the customer's superiority in consideration of the setting contents of the foreign currency reserve for the customer who has set the foreign currency reserve. For example, the bank server 20 may determine a customer whose total amount of monthly reserves is equal to or greater than a certain amount as a customer with a higher level of superiority. With this configuration, it is possible to promote continuous foreign currency accumulation while returning profits to customers who accumulate foreign currency.

(Rate comparison part)
The rate comparison unit 250 compares the exchange rate at the predetermined time on the accumulation date acquired by the exchange rate acquisition unit 246 with the purchase upper limit rate set as the reference rate. For example, the rate comparison unit 250 compares whether or not the exchange rate at 8:30 am on the accumulation date exceeds the purchase upper limit rate of the customer set in the accumulation setting information DB.

(Funding control unit)
The accumulation control unit 254 performs foreign currency accumulation when a predetermined comparison result is obtained by the rate comparison unit 250. For example, when the comparison result that the exchange rate is equal to the purchase upper limit rate or the exchange rate is lower than the purchase upper limit rate is obtained, the accumulation control unit 254 performs foreign currency accumulation using the exchange rate. On the other hand, the accumulation control unit 254 does not perform foreign currency accumulation when a comparison result that the exchange rate exceeds the purchase upper limit rate is obtained. With such a configuration, it is possible to realize foreign currency accumulation in line with customer assumptions. Hereinafter, the effect obtained by the control will be described in detail with reference to FIG.

  FIG. 9 is a chart showing an example of changes in the exchange rate of foreign currency (US dollars). When the funding timing is the first day of every month (if the first day is a weekend, a public holiday, the next weekday applies) and the purchase upper limit is set to 98 yen, according to this embodiment, On April 1, May 2, and October 1 when the rate falls below the purchase upper limit of 98 yen, foreign currency reserves are executed. On the other hand, the foreign currency reserve is not executed on June 3, July 1, August 1, and September 2, with the exchange rate of 98 yen, the maximum exchange rate.

  According to the control according to the present embodiment, the average purchase unit price in the foreign currency accumulation from April 1 to October 1 is 96.17 yen. On the other hand, if the foreign currency reserve is executed on each reserve day regardless of the exchange rate, the average purchase unit price in the foreign currency reserve from April 1 to October 1 will be 98.05 yen. As described above, according to the control of the present embodiment, the average purchase unit price can be reduced by nearly 2 yen in the change of the exchange rate shown in FIG. 9, so that the profit of the customer can be increased.

  Note that the accumulation control unit 254 performs foreign currency accumulation using the customer's funds bound in the separate account DB. That is, the yen-based reserve amount is subtracted from the customer's funds bound in the separate account DB, and the foreign currency-based reserve amount is added to the foreign currency reserve deposit information in the foreign currency deposit information DB.

  When the foreign currency accumulation is performed by the accumulation control unit 254, the communication unit 216 may transmit a normal execution notification indicating that the foreign currency accumulation has been normally performed to the customer terminal 10. On the other hand, when the foreign currency reserve is not executed because the exchange rate exceeds the purchase upper limit rate, the communication unit 216 indicates that the foreign currency reserve is not executed because the exchange rate exceeds the purchase upper limit rate. An upper limit rate excess notification may be transmitted to the customer terminal 10. The transmission of the notification of exceeding the upper limit rate is beneficial because it can provide an opportunity to review the purchase upper limit rate for customers who wish to accumulate foreign currency assets through accumulation. Further, when the foreign currency reserve is not executed because the exchange rate exceeds the purchase upper limit rate, the fund restraining unit 242 may return the customer's funds restrained in the separate account DB to the yen savings account. .

(Cover Transaction Control Department)
The cover transaction control unit 258 controls a cover transaction for performing an order corresponding to the foreign currency reserve to be executed with respect to another financial institution accompanying the execution of the foreign currency reserve. The cover transaction is performed at a timing according to the situation in the vicinity of the time for determining the exchange rate used for foreign currency accumulation. In particular, in the embodiment of the present invention, since the funds of all customers who reserve foreign currency are restrained in advance, the total amount of funds for foreign currency funding of all customers is grasped. For this reason, since it is possible to carry out cover transactions related to foreign currency reserves for all customers, not for each customer, it is possible to reduce the system load. Hereinafter, some examples of control modes of the cover transaction will be described.

-When exchange rate fluctuation is small The cover transaction control unit 258 automatically executes a cover transaction depending on the function of the cover transaction system. For example, when a foreign currency purchase order is entered from a customer, the cover transaction system holds the cover transaction of the foreign currency purchase order until the total amount with other purchase orders reaches a set amount, and the total amount is set amount. At the time of reaching the above, it has a mechanism to be carried out together with other purchase order cover transactions.

-When the exchange rate is declining If the exchange rate is declining, it is possible that foreign currency can be procured at a lower price after the time when the exchange rate for foreign currency accumulation is determined. For this reason, the cover transaction control unit 258 may delay the timing at which the cover transaction is executed by increasing the set amount of the cover transaction system.

-When the exchange rate is on an upward trend If the exchange rate is on a downward trend, there is a possibility that foreign currency can be procured cheaply before the time when the foreign currency funded exchange rate is determined. For this reason, the cover transaction control unit 258 may execute the cover transaction prior to the determination time of the exchange rate for foreign currency accumulation.

-When a sell order has been generated by the time when the exchange rate is determined. For example, when a customer sell order has occurred in a foreign exchange margin transaction or the like, the cover transaction control unit 258 covers the sell order. The amount of transactions with other financial institutions may be suppressed by offsetting the buying order for According to such a configuration, the cost for the cover transaction is also suppressed.

<3. Operation of bank server>
The configuration of the bank server 20 according to the embodiment of the present invention has been described above. Next, with reference to FIG. 10, the operation of the bank server 20 according to the embodiment of the present invention is organized.

  FIG. 10 is a flowchart showing the operation of the bank server 20 according to the embodiment of the present invention. As shown in FIG. 10, first, the fund restraint unit 242 of the bank server 20 refers to the funding setting information DB and determines whether there is a customer whose today is a foreign currency funding date (S304). Then, when there is a customer whose today is a foreign currency accumulation date, the fund restraining unit 242 restrains funds corresponding to the accumulated amount from the customer's yen saving account to another account DB (S308).

  Thereafter, when the accumulation time arrives (S312), the exchange rate acquisition unit 246 acquires the exchange rate of foreign currency (S316). Then, the rate comparison unit 250 compares the exchange rate acquired by the exchange rate acquisition unit 246 with the purchase upper limit rate set for each customer in the accumulation setting information DB (S320).

  When the exchange rate exceeds the purchase upper limit rate (S320 / no), the communication unit 216 gives the customer an upper limit rate excess notification indicating that foreign currency accumulation has not been executed because the exchange rate has exceeded the purchase upper limit rate. Transmit to the terminal 10.

  On the other hand, when the exchange rate is equal to the purchase upper limit rate or the exchange rate is lower than the purchase upper limit rate (S320 / yes), the accumulation control unit 254 uses the exchange rate acquired in S316 to establish the accumulation setting information DB. The foreign currency reserve of the reserve amount set to is executed (S328). And the communication part 216 transmits the normal execution notification which shows that the foreign currency reserve was normally performed to the customer terminal 10 (S332).

  With such operation of the bank server 20, foreign currency accumulation is performed only at an exchange rate within a customer's expected range, so that it is possible to protect the customer from adverse effects due to exchange rate fluctuations.

<4. Modification>
The configuration and operation of the bank server 20 according to the embodiment of the present invention have been described above. Then, the modification applicable to the bank server 20 by embodiment of this invention is demonstrated.

(First modification)
In the above description, the fixed value is set as the purchase upper limit rate. Further, an example in which the bank server 20 transmits an upper limit rate excess notification when the exchange rate exceeds the purchase upper limit rate has been described. In such an embodiment, when the constant range of the exchange rate rises, the customer can increase the frequency with which foreign currency accumulation is performed by resetting the purchase upper limit rate upon receiving a notification of exceeding the upper limit rate. It is.

  On the other hand, it is also feared that the customer may bother it if the customer explicitly resets the purchase upper limit rate every time the exchange rate range changes. Therefore, on the foreign currency reserve setting screen, a dynamically changing value may be set as the purchase upper limit rate. Examples of the dynamically changing value include values based on moving average values such as values on the 25-day average line and values on the 75-day average line. That is, the purchase upper limit rate may be a moving average value, a value obtained by adding / subtracting a value specified by the customer from the moving average value, or multiplying the moving average value by a count specified by the customer. It may be a value. If a value based on the moving average value is set as the purchase upper limit rate, the purchase upper limit rate automatically changes following the change in the exchange rate range, which has the advantage of simplifying the customer load. .

(Second modification)
In the above, the example in which the foreign currency reserve is deferred when the exchange rate exceeds the upper limit purchase rate has been described. According to this embodiment, it is possible to carry out foreign currency savings at an exchange rate within the range expected by the customer. On the other hand, if the exchange rate often exceeds the upper limit purchase rate, the total accumulated amount may be less than the amount assumed by the customer.

  Therefore, when the reserve control unit 254 misses the foreign currency reserve, the reserve amount of the missed foreign currency reserve may be added to the next reserve amount when the foreign currency reserve is executed next time. For example, if the monthly reserve amount is set at 100,000 yen and the foreign currency reserves in August and September are postponed, the reserve control unit 254 executes the foreign currency reserve for 300,000 yen in October. Also good. With this configuration, it is possible to set the total accumulated amount to an amount according to the customer's assumption. Alternatively, when the target for the total accumulated amount in the predetermined period is set, the accumulation of the amount obtained by dividing the amount of money that is insufficient with respect to the target for the total accumulated amount by the number of remaining accumulated funds in the predetermined period may be executed. .

<5. Hardware configuration>
Information processing by the bank server 20 described above is realized by cooperation of software and hardware. Hereinafter, a hardware configuration example of the bank server 20 will be described with reference to FIG.

  FIG. 11 is a block diagram showing a hardware configuration of the bank server 20. The bank server 20 includes a CPU (Central Processing Unit) 201, a ROM (Read Only Memory) 202, a RAM (Random Access Memory) 203, a host bus 204, a bridge 205, an external bus 206, an interface 207, An input device 208, an output device 210, a storage device (HDD) 211, a drive 212, and a communication device 215 are provided.

  The CPU 201 functions as an arithmetic processing device and a control device, and controls the overall operation in the bank server 20 according to various programs. Further, the CPU 201 may be a microprocessor. The CPU 201 can realize the functions such as the display control unit 234, the setting management unit 238, the money restraint unit 242, the rate comparison unit 250, and the accumulation control unit 254 described with reference to FIG. The ROM 202 stores programs used by the CPU 201, calculation parameters, and the like. The RAM 203 primarily stores programs used in the execution of the CPU 201, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 204 including a CPU bus.

  The host bus 204 is connected to an external bus 206 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 205. Note that the host bus 204, the bridge 205, and the external bus 206 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 208 is input based on input by an administrator of the bank server 20 such as a mouse, a keyboard, a touch panel, a button, a microphone, a switch, and a lever, and input by the administrator of the bank server 20. An input control circuit that generates a signal and outputs the signal to the CPU 201 is configured. The administrator of the bank server 20 can input various data and instruct a processing operation to the bank server 20 by operating the input device 208.

  The output device 210 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Display) device and a lamp, and an audio output device such as a speaker and headphones. The The output device 210 outputs reproduced content, for example. Specifically, the display device displays various information such as reproduced video data as text or images. On the other hand, the audio output device converts reproduced audio data or the like into audio and outputs it.

  The storage device 211 is a data storage device configured as an example of a storage unit of the bank server 20 according to the present embodiment. The storage device 211 may include a storage medium, a recording device that records data on the storage medium, a reading device that reads data from the storage medium, a deletion device that deletes data recorded on the storage medium, and the like. The storage device 211 is composed of, for example, an HDD (Hard Disk Drive). The storage device 211 drives a hard disk and stores programs executed by the CPU 201 and various data. In addition, for example, a customer table DB described later is recorded in the storage device 211.

  The drive 212 is a storage medium reader / writer, and is built in or externally attached to the bank server 20. The drive 212 reads information recorded on a removable storage medium 24 such as a mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs it to the RAM 203.

  The communication device 215 is a communication interface configured with, for example, a communication device for connecting to the communication network 12. The communication device 215 may be a wireless LAN (Local Area Network) compatible communication device or a wire communication device that performs wired communication. The communication device 215 transmits and receives various data such as deposit balance and foreign currency reserve setting information to and from the customer terminal 10 via the communication network 12.

  Although the hardware configuration of the bank server 20 has been described above with reference to FIG. 11, the hardware configuration can also be applied to the hardware configuration of the customer terminal 10.

<6. Conclusion>
As described above, according to the embodiment of the present invention, it is possible to set a purchase upper limit rate in foreign currency accumulation based on customer input. For this reason, according to the embodiment of the present invention, it is possible to carry out the foreign currency accumulation at an exchange rate within the range assumed by the customer.

  Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the above embodiment, the foreign currency has been described as an example of the financial product to be accumulated, but the financial product to be accumulated is not limited to the foreign currency. For example, the embodiment of the present invention can be similarly applied to accumulation of financial products such as investment trusts and commodities.

  In addition, each step in the processing of the bank server 20 in this specification does not necessarily have to be processed in time series in the order described as a flowchart. For example, each step in the processing of the bank server 20 may be processed in an order different from the order described as the flowchart, or may be processed in parallel.

  In addition, it is possible to create a computer program for causing hardware such as a CPU, a ROM, and a RAM built in the bank server 20 to perform the same functions as the components of the bank server 20 described above. A storage medium storing the computer program is also provided.

DESCRIPTION OF SYMBOLS 1 Financial service provision system 10 Customer terminal 12 Communication network 20 Bank server 24 Removable storage medium 216 Communication part 230 Storage part 234 Display control part 238 Setting management part 242 Fund restraint part 246 Exchange rate acquisition part 250 Rate comparison part 254 Reserve control part 258 Cover Transaction Control Department

Claims (11)

An exchange rate acquisition unit for acquiring a foreign currency exchange rate on a candidate date for foreign currency reserve;
A rate comparison unit that compares the exchange rate acquired by the exchange rate acquisition unit with a reference rate;
An accumulation control unit that executes the foreign currency accumulation when a predetermined comparison result is obtained by the rate comparison unit;
An accumulation control device comprising:   The accumulation control unit executes the foreign currency accumulation when a comparison result that the exchange rate of the foreign currency is lower than the reference rate is obtained, and a comparison result that the exchange rate of the foreign currency exceeds the reference rate is obtained. The reserve control device according to claim 1, wherein the foreign currency reserve is not executed in the event of a failure.   The accumulation control device according to claim 2, further comprising a transmission unit configured to transmit information for displaying the reference rate setting screen to a customer terminal.   The accumulation control device according to claim 3, wherein a fixed value can be set as the reference rate on the setting screen.   The accumulation control device according to claim 3, wherein a value that dynamically changes as the reference rate can be set on the setting screen.   The accumulation control device according to claim 3, wherein in the setting screen, any rule can be selected from a plurality of rules for specifying a candidate date for foreign currency accumulation.   The accumulation control device according to claim 3, wherein the amount of the foreign currency accumulation can be further set on the setting screen.   The exchange rate acquisition unit acquires an exchange rate that is more preferential than the exchange rate applied to other customers as the exchange rate of the foreign currency for a customer whose amount of the foreign currency reserve in a unit period is a predetermined amount or more. The accumulation control device according to any one of claims 1 to 7.   The accumulation control apparatus according to claim 1 or 2, further comprising a transmission unit that transmits a notification to a customer terminal when the foreign currency accumulation is not executed on the foreign currency accumulation candidate date. Obtaining a foreign currency exchange rate on a candidate date for foreign currency reserve;
A step comparison unit that compares the acquired exchange rate with a reference rate;
Executing the foreign currency accumulation when a predetermined comparison result is obtained;
A funded control method. Computer
An exchange rate acquisition unit for acquiring a foreign currency exchange rate on a candidate date for foreign currency reserve;
A comparison unit that compares the exchange rate acquired by the exchange rate acquisition unit with a reference rate;
An accumulation control unit that executes the foreign currency accumulation when a predetermined comparison result is obtained by the comparison unit;
Program to function as

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