JP2016151971A - Information processor, and method and program for remitting foreign currency - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processor capable of accelerating a remittance arrival in a foreign currency remittance more than in the conventional practice.SOLUTION: The information processor for managing an account of a first kind of a financial institution includes means for receiving a request for a remittance of a foreign currency of a designated mount from a second kind of a financial institution to a customer account, means in which the second kind of a financial institution transfers the foreign currency of the designated amount from a settlement account in the first kind of a financial institution to the customer account by booking according to the request for a remittance, and means for inputting the remitted foreign currency in the settlement account according to the request for a remittance.SELECTED DRAWING: Figure 8

Description

  The present invention relates to an information processing apparatus, a foreign currency remittance method, and a program.

  In recent years, foreign currency remittances have been actively performed. A financial institution that handles foreign currency remittances has an account at a bank that handles the foreign currency (also referred to as a correspondent bank). Remittance of foreign currency between financial institutions is performed by sending and receiving foreign currency between accounts held by correspondent banks in each financial institution. In such foreign currency remittance, online transactions are realized by an information processing apparatus of a financial institution (see, for example, Patent Documents 1 to 3).

JP 2009-026247 A JP 2006-127712 A Japanese Patent Laid-Open No. 2004-192587

  In foreign currency remittance, for example, since money is sent and received via a correspondent bank, it generally took one business day from the instruction of the foreign currency remittance to the payment to the destination account. In addition, due to the influence of the correspondent bank's business days, it may take longer to receive money. Therefore, if you try to deposit a time deposit at the first type of financial institution based on the foreign currency funds in the account of the second type of financial institution, the foreign currency sent from the account of the second type of financial institution There was a risk that deposits to the account of the first type of financial institution could not be made in time, making it impossible to deposit on the same day. In addition, if an attempt is made to purchase securities at the second type of financial institution based on the foreign currency funds in the account of the first type of financial institution, the foreign currency transferred from the account of the first type of financial institution There was also a risk that the deposit to the account of the second type of financial institution would not be in time for the delivery date. Then, one side of this invention makes it a subject to provide the information processing apparatus which can speed up the money_receiving | payment by foreign currency remittance than before.

  One aspect of the present invention is exemplified by the following information processing apparatus. The information processing apparatus is an information processing apparatus that manages an account of a first type of financial institution, and requests a remittance of a specified amount of foreign currency from the information processing apparatus of the second type of financial institution to a customer account. Means for accepting, means for transferring a specified amount of foreign currency from a settlement account held in the first type of financial institution by the second type financial institution to the customer account according to the request for remittance, and remittance according to the request for remittance Means for depositing the foreign currency to be settled into a settlement account.

  According to such an invention, the foreign currency is transferred from the second type of financial institution to the first type of customer account by transferring it by book separately from the actual remittance. For this reason, it is possible to expedite the deposit by foreign currency remittance than before.

  The present invention may have the following features. The settlement account includes an account in the local currency and an account in the foreign currency, and further includes means for receiving payment of the local currency corresponding to the specified amount from the account in the local currency and procuring the specified amount of foreign currency in the paid domestic currency. According to such an invention, even if the second type of financial institution does not deposit foreign currency in advance in the settlement account, it has means for procuring the specified amount of foreign currency, thereby transferring the foreign currency to the customer account. Things will be possible.

  The present invention may have the following features. A transaction date acquisition means for acquiring a foreign currency transaction possible date after the date of accepting the request for remittance is further provided. The local currency corresponding to the specified amount is received from the local currency, the specified amount of foreign currency is procured by the paid domestic currency, and the exchange rate between the local currency and the foreign currency is made on the date acquired by the transaction date acquisition means. On the date acquired and acquired by the transaction available date acquisition means, it is a foreign exchange swap transaction in which the local currency is raised by delivering the foreign currency deposited in the settlement account at the acquired exchange rate. According to such an invention, the risk due to fluctuations in the exchange rate is reduced by procuring the specified amount of foreign currency through the exchange swap transaction.

  Another aspect of the present invention is exemplified by the following information processing apparatus. The information processing apparatus is an information processing apparatus that manages an account of a second type of financial institution, and requests the remittance of a specified amount of foreign currency from the information processing apparatus of the first type of financial institution to a customer account. A means for accepting, a means for transferring a specified amount of foreign currency from the own account held by the second type financial institution to the customer account in accordance with a request for remittance, and a request for remittance And means for depositing the foreign currency to be transferred into the own account.

  According to such an invention, the foreign currency is transferred from the first type of financial institution to the second type of customer account by transferring it by book separately from the actual remittance. For this reason, it is possible to expedite the deposit by foreign currency remittance than before.

  In addition, the present invention can be grasped from the aspect of a foreign currency remittance method and program.

  According to the present invention, it is possible to speed up the deposit by foreign currency remittance than before.

FIG. 1 is a diagram illustrating an example of an account provided in a securities company in the first embodiment. FIG. 2 is a diagram illustrating an example of an account provided in the bank in the first embodiment. FIG. 3 is a diagram illustrating an example of an account provided in the correspondent bank in the first embodiment. FIG. 4 is a diagram illustrating an example of an information system according to the first embodiment. FIG. 5 is a diagram illustrating an example of a hardware configuration of the information processing apparatus. FIG. 6 is a diagram illustrating an example of processing blocks of the information processing apparatus. FIG. 7 is a diagram illustrating an example of the flow of foreign currency remittance processing in the first embodiment. FIG. 8 is a diagram illustrating an example of movement of funds for foreign currency remittance in the first embodiment.

  Hereinafter, an information processing apparatus according to an embodiment will be described with reference to the drawings. The configuration of the embodiment shown below is an exemplification, and the present invention is not limited to the configuration of the embodiment.

<First Embodiment>
In the first embodiment, foreign currency remittance between a securities company and a bank is exemplified. The customer has an account with a securities company and a bank. When surplus funds are generated in an account held by a customer at a securities company, the surplus funds are transferred to an account held by a customer in a bank.

  In conventional foreign currency remittances between securities firms and banks, transfers were made by transferring funds between accounts held by correspondent banks at each of the securities firms and banks. In this transfer, funds are actually transferred between accounts, so it took in principle more than one business day from the time the remittance was instructed to the destination account via the correspondent bank.

  Therefore, in the first embodiment, foreign currency remittance between a securities company and a bank is performed by a transfer book. In other words, in the first embodiment, the funds on the book called transfer book are transferred separately from the actual transfer of funds. In the first embodiment, transfer of foreign currency between a securities company and a bank can be performed on the same day by a transfer book. The first embodiment exemplifies foreign currency remittance using “Japanese yen” as a domestic currency and “US dollar” as a foreign currency. Hereinafter, a first embodiment will be described with reference to the drawings.

  FIG. 1 is a diagram illustrating an example of an account provided in the securities company 1 in the first embodiment. At securities company 1, brokerage of securities is performed. In the securities company 1, an account 19 and an account 11 are opened. The account 11 is a self account of the securities company 1. The account 19 is an account that the customer 9 holds in the securities company 1. The customer 9 uses the account 19 to buy and sell securities. The account 11 and the account 19 are managed by an information processing apparatus 41 owned by the securities company 1. The information processing apparatus 41 is, for example, a server or a main frame. The securities company 1 is an example of the “second type of financial institution” in the present invention.

  FIG. 2 is a diagram illustrating an example of an account provided in the bank 2 in the first embodiment. In the bank 2, deposits, currency exchange transactions, loans, and the like are performed. In the bank 2, an account 21, an account 22 and an account 29 are opened. The account 21 is an account held by the securities company 1 in the bank 2. The account 21 includes a domestic currency account 21a and a foreign currency account 21b. The securities company 1 deposits in advance in the account 21a in yen. The account 22 is a self-account for the bank 2 and includes a domestic currency account and a foreign currency account. The account 29 is an account held by the customer 9 in the bank 2. The customer 9 uses the account 29 to make deposits or exchange transactions. The account 21 and the account 29 are managed by an information processing device 42 that the bank 2 has. The information processing device 42 is, for example, a server or a main frame. The bank 2 is an example of the “first type financial institution” in the present invention. The account 21 is an example of the “settlement account” in the present invention. The account 29 is an example of the “customer account” in the present invention.

  FIG. 3 is a diagram illustrating an example of an account provided in the correspondent bank 3 in the first embodiment. The correspondent bank 3 is a bank serving as a relay point for the foreign currency remittance when performing the foreign currency remittance. The account 31 is an account held by the securities company 1 in the correspondent bank 3. The account 32 is an account held by the bank 2 in the correspondent bank 3. The account 31 and the account 32 are managed by the information processing device 43. The information processing device 43 is, for example, a server or a main frame. Foreign currency transfer between the securities company 1 and the bank 2 is realized by transferring funds between the account 31 and the account 32.

  FIG. 4 is a diagram illustrating an example of an information system according to the first embodiment. In FIG. 4, the information processing apparatus 41 of the securities company 1 and the information processing apparatus 42 of the bank 2 are connected to each other via a network N. Each of the information processing device 41 and the information processing device 42 is linked to the information processing device 43 of the correspondent bank 3 by a known means M used for foreign currency transactions. The information processing apparatus 41 and the information processing apparatus 42 are connected to each other via the network N, and each of the information processing apparatus 41 and the information processing apparatus 42 is linked to the information processing apparatus 43 by a known means M. Online transactions between the bank 2 and the correspondent bank 3 are possible.

  The network N is a computer network that connects information processing apparatuses to each other. The network N includes a dedicated network that interconnects information processing apparatuses held by financial institutions.

  FIG. 5 is a diagram illustrating an example of a hardware configuration of the information processing apparatus 100. The information processing apparatus 100 includes a processor 101, a main storage unit 102, an auxiliary storage unit 103, a communication unit 104, and a connection bus B1. The processor 101, the main storage unit 102, the auxiliary storage unit 103, and the communication unit 104 are connected to each other by a connection bus B1. The information processing apparatus 100 can be used as the information processing apparatus 41, the information processing apparatus 42, and the information processing apparatus 43.

  In the information processing apparatus 100, the processor 101 expands the program stored in the auxiliary storage unit 103 in the work area of the main storage unit 102, and controls peripheral devices through execution of the program. Thereby, the information processing apparatus 100 can execute a process that matches a predetermined purpose. The main storage unit 102 and the auxiliary storage unit 103 are recording media that can be read by the information processing apparatus 100.

  The main storage unit 102 is exemplified as a storage unit that is directly accessed from the processor 101. The main storage unit 102 includes a random access memory (RAM) and a read only memory (ROM).

  The auxiliary storage unit 103 stores various programs and various data in a recording medium in a readable and writable manner. The auxiliary storage unit 103 is also called an external storage device. The auxiliary storage unit 103 stores an operating system (OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 104. Examples of the external device include other information processing devices and external storage devices connected via a computer network or the like.

The auxiliary storage unit 103 includes, for example, an Erasable Programmable ROM (EPROM), a solid state drive (SSD), and a hard disk drive (Hard Disk).
Drive, HDD). The auxiliary storage unit 103 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Further, the auxiliary storage unit 103 may be provided by Network Attached Storage (NAS) or Storage Area Network (SAN).

  A recording medium that can be read by the information processing apparatus 100 is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from the information processing apparatus 100. Say medium. Examples of such a recording medium that can be removed from the information processing apparatus 100 include a flexible disk, a magneto-optical disk, a CD-ROM, a CD-R / W, a DVD, a Blu-ray disk, a DAT, an 8 mm tape, a flash memory, and the like. There are memory cards. Further, as a recording medium fixed to the information processing apparatus 100, there are a hard disk, an SSD, a ROM and the like.

  The communication unit 104 is, for example, an interface with the network N or known means M. The communication unit 104 communicates with an external device via the network N or known means M.

  The information processing apparatus 100 may further include, for example, an input unit that receives an operation instruction from a user or the like. Examples of such an input unit include input devices such as a keyboard, a pointing device, a touch panel, and a voice input device.

The information processing apparatus 100 may include an output unit that outputs data processed by the processor 101 and data stored in the main storage unit 102, for example. Examples of such an output unit include output devices such as a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, or a printer.

<Processing Blocks of Information Processing Devices 41 and 42>
FIG. 6 is a diagram illustrating an example of processing blocks of the information processing apparatus 41 of the securities company 1 and the information processing apparatus 42 of the bank 2. FIG. 6 illustrates processing blocks of a remittance request unit 201, a remittance accepting unit 202, an account management unit 203, a bookkeeping processing unit 204, and a procurement unit 205. For example, the processor 101 in FIG. 5 executes a computer program that is executed in the main storage unit 102 as each block in FIG. However, at least a part of any block in FIG. 6 may include a hardware circuit.

  The processor 101 makes a remittance request from one account to another as the remittance request unit 201. For example, the remittance processing unit 201 of the information processing apparatus 41 of the securities company 1 makes a remittance request from the account 19 of the customer 9 in the securities company 1 to the account 29 of the customer 9 in the bank 2.

  The processor 101 receives the requested remittance request as the remittance accepting unit 202. The remittance accepting unit 202 requests transfer of funds transferred to the account management unit 203 to the account according to the accepted remittance request. For example, the remittance accepting unit 202 of the information processing device 42 of the bank 2 accepts a remittance request from the remittance requesting unit 201 of the information processing device 41 of the securities company 1. In accordance with the accepted remittance request, the remittance accepting unit 202 of the information processing device 42 of the bank 2 requests the account management unit 203 to transfer funds to the designated account. The remittance accepting unit 202 is an example of “means for accepting a remittance request” in the present invention.

  The processor 101 manages an account as the account management unit 203. Further, the account management unit 203 can hold a set upper limit, and use a balance exceeding the upper limit as surplus funds. When surplus funds are generated in the account 19 of the securities company 1, for example, the account management unit 203 of the information processing apparatus 41 of the securities company 1 can transfer the generated surplus funds to the account 29 of the bank 2. The remittance is executed when the account management unit 203 of the information processing apparatus 41 requests the remittance requesting unit of the information processing apparatus 41.

  The processor 101 performs a bookkeeping process as the bookkeeping processing unit 204. The bookkeeping process records the deposit / withdrawal status and balance of the account. The recorded information is stored in, for example, the auxiliary storage unit 103 in FIG. The bookkeeping processing unit 204 is an example of the “means for transferring by bookkeeping” of the present invention.

  The processor 101 performs processing for procuring foreign currency as the procurement unit 205. The procurement unit 205 procures foreign currency based on the domestic currency, for example, by exchange swap transaction. The procurement unit 205 is an example of the “means for procuring foreign currency” according to the present invention.

FIG. 7 is a diagram illustrating an example of the flow of foreign currency remittance processing in the first embodiment. FIG. 8 is a diagram illustrating an example of movement of funds for foreign currency remittance in the first embodiment. FIG. 8 is an example of the transfer of funds at each step of FIG. That is, the descriptions from S2 to S7 in FIG. 8 correspond to S2 to S7 in FIG. 7, respectively. Further, the solid line arrow in FIG. 8 illustrates actual fund transfer, and the dotted line arrow illustrates processing on the book that does not involve actual fund transfer. The process of FIG. 7 is an example of a process in which surplus funds are generated in the account 19 held by the customer 9 in the securities company 1 and the surplus funds are transferred to the account 29 held in the bank 2 by the customer 9. This process is automatically performed when surplus funds are generated by a prior contract between the customer 9, the securities company 1, and the bank 2. In other words, it is assumed that the transfer of surplus funds from the account 19 to the account 29 has been previously approved by the customer 9. Hereinafter, the foreign currency remittance process in the first embodiment will be described with reference to FIGS. 7 and 8. In the first embodiment, it is assumed that 10,000 dollars of surplus funds have been generated, but the amount of surplus funds is not limited.

  In step S <b> 1, the account management unit 203 of the information processing apparatus 41 detects surplus funds generated in the account 19 held by the customer 9 in the securities company 1. The surplus funds are generated, for example, when the balance of the account 19 exceeds the upper limit of the account 19 set in the account management unit 203 by the customer 9. The generated surplus funds are transferred from the account 19 held by the customer 9 to the securities company 1 to the account 29 held by the customer 9 to the bank 2 in accordance with the aforementioned contract. Therefore, the account management unit 203 that has detected surplus funds requests the bookkeeping processing unit 204 to perform the process of step S2. Further, in step S 1, the remittance request unit 201 of the information processing apparatus 41 requests the information processing apparatus 43 of the correspondent bank 3 to remit 10,000 dollars from the account 11 to the account 21. The correspondent bank 3 requested to send the money notifies the money transfer request unit 201 of the information processing apparatus 41 of the date on which the destination account is deposited. Here, it is assumed that <T + 1> day is notified as the date of deposit. The remittance request unit 201 stores the notified receipt date in the auxiliary storage unit 103. It should be noted that <T> described in step S1 represents the date when the remittance instruction is performed.

  In step S <b> 2, the bookkeeping processing unit 204 of the information processing apparatus 41 of the securities company 1 performs transfer bookkeeping for transferring surplus funds in the account 19 to the account 11 of the securities company 1. Information on this transfer book is shared by the information processing apparatus 41 and the information processing apparatus 42. The information to be shared includes, for example, transfer source account information, transfer destination account information, transfer amount, and the like. There is no limitation on the mechanism for sharing information in the transfer book between the information processing apparatus 41 and the information processing apparatus 42. For example, the transfer book information can be shared by the remittance request unit 201 of the information processing apparatus 41 notifying the remittance reception unit 202 of the information processing apparatus 42. Further, for example, the information processing device 41 and the information processing device 42 may share the storage device, and the information of the transfer book may be stored in the shared storage device. Further, for example, information on the transfer book may be exchanged between the information processing apparatus 41 and the information processing apparatus 42 via the network N. In step S2, funds are not transferred from the account 19 to the account 11, but only a bookkeeping process is performed. This process is performed on the same day as <T + 0>, that is, the generation of surplus funds.

  In step S3, the bookkeeping processing unit 204 of the information processing apparatus 42 that has detected the transfer book in step S2 transfers 10,000 dollars from the account 21b of the securities company 1 to the account 22 of the bank 2's own account. In step S3, funds are not transferred from the account 21b to the account 22, but only a bookkeeping process is performed. This process is performed on the same day as <T + 0>, that is, the generation of surplus funds.

  In step S4, the bookkeeping processing unit 204 of the information processing device 42 of the bank 2 transfers 10,000 dollars from the account 22 of the bank 2 to the account 29 of the customer 9 by transfer book. In step S4, funds are not transferred from the account 22 to the account 29, and only a bookkeeping process is performed. This process is performed on the same day as <T + 0>, that is, the generation of surplus funds. By the processing in step S4, the customer 9 can make a transaction using 10,000 dollars deposited in the account 29.

  In the processing of steps S1 to S4, the actual funds are not transferred, and the processing is on the book by the bookkeeping. For this reason, when the processing of steps S1 to S4 is performed, a shortage of funds of 10,000 dollars occurs in the account 21b held by the securities company 1 in the bank 2. Therefore, the following steps S5 to S7 are performed in order to eliminate the generated funds shortage.

In step S5 and step S7, the procurement unit 205 of the information processing apparatus 42 procures foreign currency by the exchange swap transaction of the same day settlement. This exchange swap transaction is performed between the securities company 1 and the bank 2. In the exchange swap transaction, in the settlement on <T + 0> day, the procurement unit 205 raises $ 10,000 based on the yen funds in the account 21a held by the securities company 1 in the bank 2. Since this transaction is a transaction in the bank 2, it is possible to perform the transaction on the same day. In addition, the procurement unit 205 performs a counter transaction for delivering the procured 10,000 dollars as of <T + 0> day, that is, <T + X> day, which is the shortest day in which foreign currency transactions are possible after <T> day. To get. Further, the procurement unit 205 acquires the exchange rate of dollars and yens performed on <T + X> days. There is no particular limitation on the <T + X> day, which is the shortest day on which foreign currency transactions are possible, and the method for obtaining the exchange rate, and various known methods can be applied. By the processing of step S5, it becomes possible to make up for the shortage of $ 10,000 generated in the account 21b on the <T + 0> day. The procurement unit 205 is an example of the “transaction date acquisition unit” in the present invention.

  In step S6, 10,000 dollars are transferred to the account 21b held by the securities company 1 in the bank 2 by the correspondent bank 3 that has received the request for 10,000 dollars in step S1. Through the process of step S6, $ 10,000 is actually deposited into the account 21b. The process of step S6 is performed on the day <T + 1>, which is the next business day when surplus funds are generated, because the process by the correspondent bank 3 is involved. The process of step S6 is an example of the “means for depositing the repatriated foreign currency into the settlement account” of the present invention.

  In step S7, the procurement unit 205 delivers 10,000 dollars at the exchange rate acquired in step S5 to procure yen. The procured yen is deposited into the account 21a. This delivery is performed on the shortest day when a foreign currency transaction is possible, that is, <T + X> days. By acquiring the exchange rate of yen and dollar at the time of <T + 0> day, the risk due to fluctuations in the exchange rate is reduced. The process of step S5 and step S7 is an example of a “exchange swap transaction”. The processing of steps S5 to S7 is an example of the “means for procuring foreign currency” in the present invention.

  In the first embodiment, funds are transferred by a transfer book, that is, processing on a book separately from actual remittance. As a result, in the first embodiment, foreign currency can be transferred from the account 19 of the securities company 1 to the account 29 of the bank 2 without being affected by the business days of the correspondent bank 3. In addition, according to the first embodiment, even if the <T> date, which is the date when the funds are transferred, is a holiday of the securities company 1 and the bank 2, the account 19 of the securities company 1 is changed to the account 29 of the bank 2. You can send foreign currency.

  In the first embodiment, when $ 10,000 is transferred from the account 21b to the account 22, $ 10,000 is procured by a currency swap transaction. As a result, the securities company 1 can carry out foreign currency transfer book from the account 21b to the account 22 without depositing foreign currency into the account 21b in advance. In addition, the foreign currency risk associated with foreign currency transactions is reduced by procuring foreign currency through foreign exchange swap transactions.

  In the first embodiment, the transfer of foreign currency from the securities company 1 to the bank 2 has been described. However, the present invention is not limited to the transfer of foreign currency from the securities company 1 to the bank 2. The present invention is also applicable to the transfer of foreign currency from the bank 2 to the securities company 1. In this case, it is possible to transfer foreign currency from the bank 2 to the securities company 1 by reversing the flow of funds in S2, S3, S4, S5, S6 and S7 in FIG. In this case, there is no shortage of foreign currency funds in the account 21. Therefore, it is not necessary to execute the processing of S5 and S7.

  In the first embodiment, the foreign currency transfer from the securities company 1 to the bank 2 has been described. However, financial institutions to which the present invention is applied are not limited to securities companies and banks. The present invention is applicable to various financial institutions that handle foreign currency.

In the first embodiment, a transaction using “yen” as a domestic currency and “dollar” as a foreign currency is exemplified. However, in the first embodiment, there is no limitation on domestic currency and foreign currency. For example, when the first embodiment is implemented in Europe, it is also possible to use “Euro” which is a European currency as a domestic currency and “Pound” which is a British currency as a foreign currency.

  In the first embodiment, the deposit was previously made in yen in the account 21a of the securities company 1. However, the present invention is not limited to such a configuration. The securities company 1 can also procure on the day in the local currency. Therefore, for example, the present invention can adopt a configuration in which yen is procured according to a transaction without depositing in advance in the account 21a in yen.

  In the first embodiment, when surplus funds are generated in the account 19 held by the customer 9 in the securities company 1, the surplus funds are automatically transferred to the account 29 held in the bank 2 by the customer 9. However, the present invention is not limited to such a configuration. In the present invention, for example, a transfer process can be executed in accordance with a transfer instruction from the customer 9.

  In the first embodiment, every time foreign currency remittance from the securities company 1 to the bank 2 is performed, the information processing device 41 of the securities company 1 requests the information processing device 43 of the correspondent bank 3 to transfer money. However, the remittance request to the information processing device 43 of the correspondent bank 3 may not be performed every time foreign currency remittance is performed. For example, the information processing apparatus 41 of the securities company 1 can total the movement of funds by a foreign currency remittance for one day, and can request the information processing apparatus 43 of the correspondent bank 3 to transfer the money according to the total amount. For example, in a daily foreign currency remittance, if 10,000 dollars are transferred from the securities company 1 to the bank 2 and 10,000 dollars are transferred from the bank 2 to the securities company 1, the total amount of remittance is ± 0. Therefore, in such a case, the information processing device 41 of the securities company 1 does not have to request the information processing device 43 of the correspondent bank 3 to transfer money.

  In the first embodiment, the exchange swap transaction is performed every time foreign currency remittance is performed from the securities company 1 to the bank 2. However, the exchange swap transaction does not have to be performed every time foreign currency remittance is performed. For example, if the account used for foreign currency transfer is a current account, a shortage of balance during the day is allowed. Therefore, it is also possible to adopt a configuration in which the exchange swap transaction is performed once a day or at any number of times according to the excess or deficiency of the foreign currency remittance for one day.

  In the first embodiment, the delivery of the dollar by the exchange swap transaction is performed on <T + X> days, which is the shortest possible delivery date. However, the delivery date for delivery is not limited to <T + X> days, which is the shortest deliverable date that can be traded. The delivery of dollars by exchange swap transactions can be executed on a date after <T + X>. In this case, the procurement unit 205 of the information processing apparatus 42 may acquire the exchange rate between the dollar and the yen on the day when the dollar is delivered. Further, the delivery date may be a holiday of the securities company 1, the bank 2, or the correspondent bank 3 as long as the exchange swap transaction is possible.

  In the first embodiment, the foreign currency sent from the securities company 1 is paid to the bank 2 on <T + 1> days. However, the day on which the repatriated foreign currency is received is not limited to <T + 1> days. There is no limitation on the day on which foreign currency is deposited as long as it is a day after the <T> day.

In the first embodiment, it is preferable that the date of deposit of foreign currency in step S6 of FIG. 7 and the date of executing delivery in step S7 of FIG. 7 are the same day from the viewpoint of fund efficiency. However, the date when the foreign currency is received in step S6 in FIG. 7 and the date in which the delivery in step S7 in FIG. 7 is executed are not limited to the same day. For example, the payment date of the foreign currency in step S6 in FIG. 7 may be earlier than the date on which the delivery in step S7 in FIG. 7 is executed. In this case, after step S6 in FIG. 7 is executed, step S7 in FIG. 7 is executed. Further, for example, the payment date of the foreign currency in step S6 in FIG. 7 may be later than the date on which the delivery in step S7 in FIG. 7 is executed. In this case, there is a risk that a shortage of foreign currency funds may occur in the account 21 held by the securities company 1 in the bank 2 when executing step S7. Therefore, it is possible to make up for the foreign currency funds that are insufficient in the account 21 by further executing the exchange swap processing in step S5 in FIG. 7 until the foreign currency is received in step S6 in FIG.

  The embodiment disclosed above can be modified as appropriate within the scope of the present invention.

DESCRIPTION OF SYMBOLS 1 ... Securities company 2 ... Bank 3 ... Corress bank 11, 19, 21, 21a, 21b, 22, 31, 32 ... Account 41, 42, 43 ... Information processing apparatus 9 ... ·client

Claims (8)

An information processing apparatus for managing an account of a first type financial institution,
Means for accepting a request for remittance of a specified amount of foreign currency from the information processing device of the second type financial institution to the customer account;
Means for transferring the specified amount of foreign currency from the settlement account of the second type of financial institution in the first type of financial institution to the customer account according to the request for remittance;
Means for depositing a foreign currency to be transferred in accordance with the request for remittance into the settlement account,
Information processing device. The settlement account includes an account in local currency and an account in foreign currency,
Means for receiving payment in a local currency corresponding to the specified amount from an account in the local currency and procuring the specified amount of foreign currency in the paid domestic currency;
The information processing apparatus according to claim 1. A transaction date acquisition means for acquiring a date after the date of accepting the request for remittance and a date on which foreign currency transactions are possible;
The means for procuring the foreign currency is:
On the day the remittance of the foreign currency is accepted, the payment of the local currency corresponding to the specified amount is received from the account in the local currency, the specified amount of the foreign currency is procured by the paid domestic currency, and the transaction Acquire the exchange rate of domestic currency and foreign currency on the date acquired by the possible date acquisition means,
On the date acquired by the transaction available date acquisition means, it is a foreign exchange swap transaction in which a local currency is procured by delivering the foreign currency deposited in the settlement account at the acquired exchange rate.
The information processing apparatus according to claim 2. A foreign currency remittance method between a first type of financial institution and a second type of financial institution, wherein the information processing apparatus of the first type of financial institution comprises:
Accepting a request for remittance of a specified amount of foreign currency from the second type of financial institution to the customer account;
In accordance with the request for remittance, the second type of financial institution transfers the designated amount of foreign currency from the settlement account held in the first type of financial institution to the customer account by book,
Deposit the transferred foreign currency into the settlement account;
How to send foreign currency. A program for remittance of foreign currency between a first type of financial institution and a second type of financial institution, wherein the information processing device of the first type of financial institution
Accepting a request for remittance of a specified amount of foreign currency from the second type of financial institution to the customer account;
In accordance with the request for remittance, the second type of financial institution transfers the designated amount of foreign currency from the settlement account held in the first type of financial institution to the customer account by book,
Deposit the transferred foreign currency into the settlement account;
program. An information processing apparatus for managing an account of a second type of financial institution,
Means for accepting a request for remittance of a specified amount of foreign currency from the information processing device of the first type of financial institution to the customer account;
Means for transferring the specified amount of foreign currency from the own account held by the second type financial institution in the second type financial institution to the customer account in accordance with the request for remittance;
Means for depositing a foreign currency to be repaid in accordance with the request for remittance into the own account.
Information processing device. A foreign currency remittance method between a first type financial institution and a second type financial institution, wherein the information processing device of the second type financial institution comprises:
Accepting a request for remittance of a specified amount of foreign currency from the information processing device of the first type financial institution to the customer account;
In accordance with the request for remittance, the second type of financial institution transfers the specified amount of foreign currency from the own account held in the second type of financial institution to the customer account by book,
Deposit the foreign currency to be transferred in accordance with the request for remittance into the own account.
How to send foreign currency. A program for transferring foreign currency between a first type of financial institution and a second type of financial institution, wherein the information processing device of the second type of financial institution includes:
Accepting a request for remittance of a specified amount of foreign currency from the information processing device of the first type financial institution to the customer account;
In accordance with the request for remittance, the second type of financial institution transfers the specified amount of foreign currency from the own account held in the second type of financial institution to the customer account by book,
Deposit the foreign currency to be repatriated in accordance with the request for remittance into the own account.
program.

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