JP6121939B2 - Fee determining device, fee determining method and fee determining system - Google Patents

Description

  The present invention relates to a fee determining device, a fee determining method, and a fee determining system for determining a cash exchange rate or a fee when a deposited deposit is converted into a foreign currency.

  Since fees associated with banking services have a significant impact on customer satisfaction, various attempts have been made to collect fees. For example, a service that discounts a commission at the time of exchange based on the preferential degree of a customer is widely known. In Patent Document 1, a card corresponding to the type of transaction account held by a customer is issued, A currency exchange device that determines a currency exchange fee based on stored information is disclosed.

JP 2006-48515 A

  However, when the exchange fee is determined according to the type of transaction account held by the customer as in the exchange device of Patent Document 1, the profitability is higher when the frequency of occurrence of exchange is higher than the expected frequency. Getting worse. In particular, when exchanging money into a foreign currency, it is often necessary to deal with a counter, so that labor costs are incurred, as well as costs for managing foreign currency and costs for procuring foreign currency. Therefore, the method of determining the fee according to the type of account as in Patent Document 1 has a high risk, and conventionally, it has been difficult to discount the fee when exchanging money into a foreign currency. On the other hand, if the commission at the time of foreign currency exchange is not discounted at all, customer satisfaction will be reduced and the advantage over other banks will be inferior, ultimately reducing the profitability of the bank.

  The present invention has been made in view of such problems, and includes a fee determination device, a fee determination method, and a fee determination system capable of determining a cash exchange rate or fee in consideration of both customer satisfaction and bank profitability. The purpose is to provide.

  In the first aspect of the present invention, an input receiving unit that receives an input of a deposit amount and a scheduled deposit period into a deposit account, and deposits in the deposit account within a predetermined period after the scheduled deposit period ends. Based on the exchange probability information, the exchange probability calculation unit for calculating exchange probability information indicating the probability of conversion to a foreign currency, and deposits in the deposit account within a predetermined period after the scheduled deposit period ends. And a fee determining unit that determines a cash exchange rate or a fee when converting to a fee.

  Further, the exchange probability calculation unit is based on a ratio of deposit accounts in which a deposit in the deposit account is converted into a foreign currency within a predetermined period of time after the scheduled deposit period ends among the plurality of deposit accounts. Thus, the exchange probability information may be calculated.

  In addition, the fee determination unit may calculate the cash exchange rate or the fee based on a balance of a plurality of the deposit accounts in a predetermined period before the deposit in the deposit account is converted into a foreign currency and an interest rate. It may be determined.

  In addition, the fee determination unit is configured to calculate the exchange rate or fee when the deposit in the deposit account is converted into a foreign currency before the scheduled deposit period, and the deposit rate in the deposit account after the scheduled deposit period. It is good also as making it differ from the said exchange rate or commission in the case of converting into foreign currency.

  The cashing probability calculation unit calculates the cashing probability information in association with the length of the scheduled deposit period, and the fee determination unit determines the cash rate or the fee based on the length of the scheduled deposit period. May be determined.

  In addition, the input receiving unit further receives an input of a foreign currency type scheduled to be cashed after the scheduled deposit period, and the fee determining unit receives the input of the converted foreign currency type by the input receiving unit. The exchange rate or the fee may be determined based on whether or not the foreign currency type matches.

  The fee determination device may further include a reserve amount calculation unit that calculates a reserve amount of the foreign currency type received by the input reception unit based on the deposit amount and the exchange probability information.

  Further, in the second aspect of the present invention, the step of receiving the deposit amount and the scheduled deposit period into the deposit account, and deposits in the deposit account within a predetermined period after the scheduled deposit period ends. Calculating the exchange probability information indicating the probability of being converted into a foreign currency, and converting the deposit in the deposit account into the foreign currency within a predetermined period after the scheduled deposit period ends based on the exchange probability information. Determining a cash rate or fee for each case.

  According to a third aspect of the present invention, there is provided a fee determination system comprising a terminal device and a fee determination device connected to be communicable with the terminal device, wherein the terminal device deposits into a deposit account. An operation accepting unit that accepts an input operation of an amount and a scheduled deposit period, wherein the fee determining device includes an input accepting unit that receives the deposit amount received by the operation accepting unit and the scheduled deposit period, and the deposit schedule A deposit probability calculation unit that calculates a cash probability information indicating a probability that the deposit in the deposit account will be converted into a foreign currency within a predetermined period from the end of the period, and the planned deposit period based on the cash probability information And a fee determining unit that determines a cash exchange rate or fee when the deposit in the deposit account is converted into a foreign currency within a predetermined period after the transaction is completed.

  According to the present invention, it is possible to determine a cash exchange rate or fee considering both customer satisfaction and bank profitability.

It is a functional block diagram of a fee determination apparatus. It is a figure which shows an example of the input screen displayed at the time of deposit account opening. It is a figure which shows an example of the determination method of a cash exchange rate or a commission. It is a figure which shows an example of the determination method of a cash exchange rate or a commission. It is a flowchart which shows the flow of a process of a fee determination apparatus. It is a flowchart which shows the flow of a process of a fee determination apparatus.

[Configuration of Fee Determination Device 1]
FIG. 1 is a functional configuration diagram of a fee determining apparatus 1 according to the present invention. The fee determining device 1 is, for example, a computer that can be accessed from a terminal device used by a bank clerk, and determines a cash exchange rate or a fee when depositing a deposit deposited in a deposit account such as a fixed deposit into a foreign currency. In the present embodiment, it is assumed that after a deposit period of a plurality of years, the user converts at least a part of the deposited deposit into a foreign currency. As a specific example of such a case, deposits accumulated in accordance with regularly held international events (World Cup, Olympic (registered trademark), etc.) are converted into currency of the host country at the time of the event. It is possible to do.

  The fee determining device 1 may be realized by a single terminal device or may be realized by a plurality of terminal devices. As an example, the terminal device that accepts the opening of a deposit account and the terminal device that determines the exchange rate or the fee may be the same device or may be different devices. Further, the fee determining device 1 may be a terminal device used by each employee.

  As shown in FIG. 1, the fee determination device 1 includes an input unit 2, a display unit 3, a storage unit 4, a communication unit 5, and a control unit 6.

The input unit 2 includes, for example, a mouse, a keyboard, various buttons, a touch panel, and the like, and receives an operation input from a clerk who uses the fee determination device 1.
The display part 3 is comprised by a liquid crystal display, an organic EL (Electro-Luminescence) display, etc., for example.

  The storage unit 4 is composed of, for example, a ROM and a RAM. The storage unit 4 stores various programs for causing the fee determining device 1 to function. For example, the storage unit 4 stores a program for causing the control unit 6 of the fee determining apparatus 1 to function as an input receiving unit 61, a cashing probability calculating unit 62, a fee determining unit 63, and a preparation amount calculating unit 64, which will be described later. The storage unit 4 may read and store a program stored in a storage medium such as an external memory, or may store a program downloaded from an external device via a network.

  The communication unit 5 communicates with an external device via a predetermined communication line. As an example, when an account is opened, the communication unit 5 transmits information about the opened deposit account to the account management server 70 that manages the deposit account handled by the bank. Further, when determining a cash exchange rate or a fee, the communication unit 5 obtains a deposit account handled by a bank and other various necessary information from the account management server 70 and outputs them to the control unit 6.

  The control part 6 is comprised by CPU, for example. The control unit 6 executes various programs stored in the storage unit 4 to comprehensively control functions related to the fee determination device 1. Specifically, in the present embodiment, the control unit 6 includes an input receiving unit 61, a cash probability calculation unit 62, a fee determination unit 63, and a preparation amount calculation unit 64.

The input receiving unit 61 receives input of various information specified via the input unit 2 or the terminal device of the bank employee when the deposit account is opened. Here, FIG. 2 shows an example of the input screen 30 displayed on the display unit 3 when the deposit account is opened.
As shown in FIG. 2, the input screen 30 includes an input field for specifying a monthly (or total) deposit amount, an input field for specifying a planned deposit period, and a foreign currency type scheduled to be converted after the planned deposit period. And an input field to be specified. The input receiving unit 61 receives information regarding the deposit amount to the deposit account, the scheduled deposit period, and the foreign currency type scheduled to be redeemed via the input screen 30. The input receiving unit 61 may receive the deposit amount and the planned deposit period input at the bank terminal device via the communication line. Various types of information received by the input receiving unit 61 are transmitted to the account management server 70 via the communication unit 5 and managed by the account management server 70.

The exchange probability calculation unit 62 calculates the exchange probability information indicating the probability that the deposit in the deposit account will be converted into a foreign currency within a predetermined period after the scheduled deposit period ends, that is, after the maturity period. The exchange probability information is stored in the storage unit 4 or the account management server 70. Although the calculation method of the cashing probability information is arbitrary, as an example, the cashing probability calculation unit 62, among the plurality of opened deposit accounts, deposits in the deposit account within a predetermined period after the scheduled deposit period ends. Based on the ratio of the deposit account converted into foreign currency, the conversion probability information is calculated.
Here, the exchange probability information is used to calculate the exchange rate or fee at the time of foreign currency exchange, and the exchange rate or fee is calculated for each scheduled deposit period as described later. Therefore, it is preferable that the cashing probability calculation unit 62 calculates the cashing probability information in association with the length of the scheduled deposit period.

  In addition, it is considered that the person who made the deposit often converts a part of the deposit in the deposit account into a foreign currency. Therefore, the cashing probability calculation unit 62 may calculate the cashing probability information in association with the amount to be cashed into a foreign currency within a predetermined period. For example, in the deposit probability calculation unit 62, the probability that 100 million yen will be cashed within a predetermined period out of a deposit of 1 million yen is 70%, and the probability that 200,000 yen will be cashed within a predetermined period is 50%. The probability of cashing can be calculated so that the probability that 1 million yen will be cashed within a predetermined period is 10%.

  The fee determining unit 63 determines a cash exchange rate or a fee when the deposit in the deposit account is converted into a foreign currency. In recent years when the settlement methods have been diversified, as for the conversion to foreign currency, in addition to a mode in which deposited money is converted into foreign currency, a mode in which payment with a credit card in a foreign country is withdrawn from a deposit account can be considered. Therefore, converting deposits in a deposit account into a foreign currency may include, for example, performing deposits from a deposit account in a foreign country in addition to converting deposited money into foreign currency. .

  Here, with reference to FIG. 3, an example of a method for determining a cash exchange rate or a fee by the fee determining unit 63 will be described. As shown in FIG. 3A, the fee determining unit 63 determines a cash exchange rate or fee based on various information such as the cash probability information, the expected operating profit, the scheduled deposit period, and the foreign currency to be redeemed. The fee determining unit 63 may determine the cash rate or fee based only on the single information, or may determine the cash rate or fee by appropriately combining each information.

  If many customers convert to foreign currency with a high probability of conversion, the profitability of the bank will deteriorate if the conversion rate or fee is greatly reduced. Therefore, the fee determining unit 63 determines a cashing rate or a fee when the deposit in the deposit account is converted into a foreign currency within a predetermined period after the scheduled deposit period ends based on the cashing probability information. As an example, as shown in FIG. 3A (A), the fee determining unit 63 reduces the preferential range of the cash rate or fee when the cash probability is high, and sets the preferential range of the cash rate or fee when the cash probability is low. Enlarge. Thereby, even if many customers convert to foreign currency, the preferential treatment width can be kept within the assumption, and profitability can be improved.

  In addition, the profitability of a bank accompanying foreign currency conversion is determined by the relationship between the operating profit of deposits in a deposit account and the conversion rate or fee. Therefore, as shown in FIG. 3A (B), the fee determination unit 63 is more specific than when the deposit in the deposit account is converted into a foreign currency based on the expected operating profit of the deposit in the deposit account. Alternatively, the preferential width of the exchange rate or the fee may be calculated based on the balances and interest rates of the plurality of deposit accounts in the previous predetermined period. Thereby, since the preferential width of the cash exchange rate or the fee can be calculated based on the operating profit, it is possible to prevent the profitability from deteriorating.

  In addition, when the deposit period is long, the bank can manage the deposit for a long period of time, and the bank can obtain an operating profit. Therefore, the fee determining unit 63 may determine the cash exchange rate or the fee based on the length of the scheduled deposit period. As an example, as shown in FIG. 3A (C), the fee determining unit 63 increases the preferential range of the cash rate or the fee as the scheduled deposit period is longer. As a result, it is possible to increase the preferential range when investment profits are expected, thereby improving customer satisfaction and reducing the preferential range even when the planned deposit period is short. Even if the scheduled period is selected, it is possible to prevent the profitability from deteriorating.

  In addition, when converting into a foreign currency, the bank must procure foreign currency, and foreign currency management costs and procurement costs are incurred. For the bank, if the foreign currency type to be redeemed is known in advance, it is easy to make a procurement plan and management becomes easy. Therefore, the fee determination unit 63 may calculate the preferential width of the cash rate or the fee depending on whether or not the foreign currency type to be redeemed matches the planned foreign currency designated via the input screen 30. More specifically, as shown in FIG. 3A (D), the fee determining unit 63 increases the preferential width when the foreign currency type to be converted is a planned foreign currency, and when it is an unscheduled foreign currency. Reduce the preferential treatment width. As a result, it can be motivated to convert into a foreign currency as scheduled, and it becomes easier to make a foreign currency procurement plan.

  The fee determining unit 63 determines a cash exchange rate or a fee according to the preferential width determined in this way. As an example, when the exchange rate is increased by 3 yen and converted into a foreign currency, the added 3 yen is adjusted according to the preferential width, and the exchange rate or fee is determined. That is, the fee determining unit 63 adjusts the additional amount in the range of 0 to 3 yen based on the preferential width. Specifically, when the preferential width is small, the additional amount is adjusted to be close to 3 yen, and when the preferential width is large, the additional amount is adjusted to be close to 0 yen.

  Depending on the customer, the account may be canceled during the scheduled deposit period and exchanged for foreign currency may be desired. It is not fair if the customer who cancels in the middle and the customer who continues to maturity have the same exchange rate or fee. Therefore, the fee determining unit 63 converts the deposit rate in the deposit account or the fee when converting the deposit in the deposit account into the foreign currency before the scheduled deposit period, and converts the deposit in the deposit account into the foreign currency after the scheduled deposit period. It may be different from the exchange rate or fee of the case. Although the specific method is arbitrary, in this embodiment, the fee determining unit 63 deposits the preferential treatment width determined based on various information such as the cash probability information, the expected operating profit, the scheduled deposit period, and the foreign currency subject to the cash. By amending based on the period, the exchange rate or fee at the time of cancellation on the way differs from the exchange rate or fee at the time of cancellation at maturity.

  As an example, as illustrated in FIG. 3B, when the minimum deposit period is set for the deposit period, the fee determination unit 63 corrects the preferential width from the relationship between the foreign currency exchange and the minimum deposit period. Here, in FIG. 3B, the user A1 is a user who converts the deposit in the deposit account into a foreign currency after the scheduled deposit period, and the user A2 is before the scheduled deposit period but has passed the minimum deposit period. The user A3 is a user who converts the deposit in the deposit account into a foreign currency, and the user A3 is a user who converts the deposit in the deposit account into a foreign currency before the minimum deposit period.

When the user deposits the foreign currency after the scheduled deposit period as in the case of the user A1, the fee determining unit 63 determines the cash exchange rate or the fee using the preferential width (see FIG. 3A) determined based on various information as it is. To do. In addition, when the user A3 converts the money into the foreign currency before the minimum deposit period, the fee determining unit 63 sets the preferential width to 0 and determines the cashing rate or the fee.
On the other hand, when converting to foreign currency after the minimum deposit period has passed, such as the user A2, the fee determining unit 63 corrects the preferential width according to the length of the deposit period and determines the cash rate or the fee. For example, if the planned deposit period is 10 years and the minimum deposit period is 6 months, the commission determining unit 63 increases the preferential width every time the deposit period is 6 months to 3 years and increases the cash rate. Alternatively, a fee is determined, and a cash exchange rate or fee is determined with the maximum preferential width when the deposit period is three years or more.

  In the example shown in FIG. 3B, the preferential width is corrected based on the deposit period, but the preferential width may be corrected based on the balance of the accumulated deposit. That is, the fee determining unit 63 may set the minimum reserve amount and correct the preferential width from the relationship between the deposit balance at the time of foreign currency exchange and the minimum reserve amount.

  In addition, the fee determining unit 63 may correct the preferential width to be increased when the money is converted into a foreign currency after a predetermined period has elapsed after the scheduled deposit period. For example, if the user opens a deposit account in time for the World Cup scheduled to be held three years later and the user converts to foreign currency to go to the World Cup as planned, The width may be maximized. The fee determining unit 63 may make the fee free on the condition that the probability of redemption is smaller than a predetermined value. By doing so, it is possible to motivate the user to make a foreign currency deposit with the goal of an event held in the future overseas.

  Returning to FIG. 2, the reserve amount calculation unit 64 calculates the reserve amount of the planned foreign currency designated via the input screen 30 based on the deposit amount of the deposit account and the exchange probability information. That is, the reserve amount calculation unit 64 predicts the total amount of foreign currency to be redeemed in the future by multiplying the deposit amount and the exchange probability, and calculates the reserve amount. The reserve amount calculation unit 64 calculates the reserve amount by multiplying the exchange rate corresponding to the exchange rate and the exchange rate when the exchange rate is calculated in association with the amount to be converted into foreign currency within a predetermined period. Is calculated. From the viewpoint of the bank, since the reserve amount of foreign currency can be grasped in advance, an appropriate amount of foreign currency can be prepared, which is preferable.

[Processing of fee determining apparatus 1]
The configuration of the fee determining device 1 according to the present invention has been described above. Next, the processing flow of the fee determining device 1 will be described. FIG. 4 is a flowchart showing the flow of processing when the fee determining device 1 calculates the exchange rate or the preferential range of the fee. FIG. 5 shows the fee determining device 1 opening a deposit account and converting it into a foreign currency. It is a flowchart which shows the flow of the process at the time.

First, with reference to FIG. 4, a process in which the fee determining device 1 calculates the exchange rate or the preferential width of the fee will be described. The fee determining device 1 can calculate the exchange rate or the preferential range of the fee at an arbitrary timing. For example, the fee determining device 1 can calculate a preferential range from past actual values (the probability of redemption, expected operating profit, etc.) when a deposit account is opened, and the fee determining device 1 is able to calculate the latest results at the time of foreign currency conversion. The preferential width can be calculated from the value.
Therefore, the flowchart shown in FIG. 4 shows the process which the fee determination apparatus 1 performs at arbitrary timings.

  In step S1, the exchange probability calculation unit 62 sets an initial value (for example, one year) for the deposit period. In the processing shown in FIG. 4, since the preferential width is calculated for each deposit period, the initial value is set in step S1. The set deposit period is updated in steps S4 and S5.

  Subsequently, in step S2, the exchange probability calculation unit 62 calculates exchange probability information indicating the probability that the deposit in the deposit account will be converted into a foreign currency within a predetermined period after the scheduled deposit period ends. As described above, in the present embodiment, the cash exchange probability is calculated based on the ratio of deposit accounts that have been converted into foreign currency within a predetermined period. Subsequently, in step S <b> 3, the fee determining unit 63 calculates a preferential width based on the cashing probability calculated by the cashing probability calculating unit 62, the expected operating profit, and the like. For example, the fee determining unit 63 calculates a small preferential width when the probability of redemption is high (see FIG. 3A (A)).

  Subsequently, in step S4, the fee determining unit 63 determines whether or not a preferential width has been calculated for all of the scheduled deposit periods. When this determination is NO, that is, when there is a deposit period for which the preferential width is not calculated, in step S5, the fee determining unit 63 updates the deposit period (for example, updates from one year to three years), and performs processing. Move to step S2.

  On the other hand, when the determination in step S4 is YES, that is, when the preferential width has been calculated for all the deposit periods, in step S6, the fee determining unit 63 stores the preferential width calculated for each deposit period and performs processing. Exit. Note that the calculated preferential width may be stored in the storage unit 4 of the fee determination device 1 or may be stored in the account management server 70.

Next, with reference to FIG. 5, processing when the fee determining device 1 opens an account and converts it into a foreign currency will be described.
In step S11, the fee determining apparatus 1 determines whether an application for opening an account has been accepted. When this determination is YES, the input reception unit 61 moves the process to step S12, and when NO, moves the process to step S14.

  In step S <b> 12, the input receiving unit 61 receives input of various information such as a deposit amount, a planned deposit period, and a planned foreign currency type via the input screen 30. Subsequently, the reserve amount calculation unit 64 calculates the reserve amount of the planned foreign currency type based on the cash exchange probability (step S13), and moves the process to step S14. The reserve amount of the foreign currency calculated in step S13 is notified to the parties concerned and used for foreign currency procurement by the parties concerned.

  In step S14, the fee determining apparatus 1 determines whether or not an application for foreign currency exchange has been accepted. When this determination is NO, the fee determining apparatus 1 moves the process to step S11, and when YES, moves the process to step S15.

  In step S <b> 15, the fee determining unit 63 obtains a preferential width corresponding to the scheduled deposit period of the customer's deposit account that has applied for redemption, which is calculated in advance at an arbitrary timing and stored in the storage unit 4, for example. Subsequently, in step S16, the fee determining unit 63 corrects the preferential width based on the deposit period and the foreign currency type to be redeemed when converting into foreign currency. For example, when the customer wishes to convert into a foreign currency during the scheduled deposit period, the fee determining unit 63 corrects the preferential width according to the length of the deposit period. Further, when the customer desires to convert into a foreign currency different from the planned foreign currency type, the fee determining unit 63 corrects the preferential treatment width to be small.

  Subsequently, in step S17, the fee determining unit 63 determines the exchange rate or fee of the foreign currency exchange based on the exchange amount designated by the customer and the calculated preferential width. That is, the fee determining unit 63 determines a rate obtained by adding an extra amount based on the preferential width to the exchange rate of the foreign currency to be converted. Further, the fee determining unit 63 determines the difference between the foreign currency procurement cost prepared according to the exchange rate and the cash amount converted based on the cash rate as a fee.

[Effect of fee determination device 1]
The embodiment of the fee determining device 1 according to the present invention has been described above. According to the fee determining device 1 of the present invention, the following effects are obtained.

In the fee determination device 1, when the customer desires to convert the deposit in the deposit account into a foreign currency, the conversion rate or fee for the conversion is determined. At this time, the fee determining apparatus 1 determines the cash rate or the fee based on the cash probability information indicating the probability that the money will be converted into a foreign currency after the scheduled deposit period ends.
In other words, if a large number of customers want to redeem cash, if the cash rate or fee is reduced too much, the profitability of the bank will deteriorate, and the preferential range of the cash rate or fee will be kept low. Secure. On the other hand, when the probability of redemption is low and there are not many customers who want to redeem, the preferential range of the cash rate or fee is increased, the cash rate or fee is greatly reduced, and customer satisfaction is improved. In this way, the fee determining apparatus 1 determines the cash rate or fee by looking at the cash probability, so that the cash rate or fee considering both customer satisfaction and the profitability of the bank can be determined.

  Note that the exchange probability information is calculated based on the ratio of deposit accounts in which deposits are converted into foreign currency within a predetermined period after the scheduled deposit period ends. Thereby, it is possible to easily calculate the cash exchange probability, which is preferable.

  In addition, since the fee determining device 1 determines the cash exchange rate or fee based on the expected operating profit (ie, the balance and interest rate of the deposit account) before the foreign currency conversion, it is possible to reliably prevent the profitability of the bank from deteriorating. .

  Further, the fee determining apparatus 1 determines different exchange rates or fees for customers who convert into foreign currency after the scheduled deposit period expires and customers who convert into foreign currency during the scheduled deposit period. Thereby, while being able to ensure fairness to the customer, the customer can be motivated to deposit until maturity.

  Further, the fee determining device 1 calculates the cashing probability information in association with the length of the scheduled deposit period, and determines the cashing rate or the fee based on the cashing probability information associated with the planned deposit period of the customer. As a result, regardless of the length of the planned deposit period, it is possible to determine a suitable cash exchange rate or fee that takes into account both customer satisfaction and the profitability of the bank, allowing the customer to freely select the planned deposit period. To meet customer specific needs.

  Further, the fee determining apparatus 1 accepts an input of a foreign currency type scheduled to be cashed by the customer, and based on whether or not the type of foreign currency to be actually cashed matches the accepted scheduled foreign currency type. To decide. As a result, the customer can be motivated to convert into foreign currency as scheduled, so that a foreign currency procurement preparation plan can be easily made, management costs can be reduced, and further reduction to the customer becomes possible.

  Further, the fee determining device 1 calculates the reserve amount of the scheduled foreign currency type that has received the input, based on the cash exchange probability that the currency is converted into the foreign currency. Thereby, since an appropriate amount of foreign currency can be prepared, the profitability of the bank can be improved.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. It is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

  For example, in the above embodiment, the fee determining device 1 has been described as determining the fee. However, the account management server 70 connected to the terminal device used by the clerk includes the input receiving unit 61, the cash probability calculating unit 62, A fee determining unit 63 and a preparation amount calculating unit 64 may be provided to determine the fee. In this case, in the terminal device used by the bank employee, the input operation of the deposit amount and the scheduled deposit period to the deposit account is accepted, and the input receiving unit 61 of the account management server 70 is connected from the terminal apparatus used by the bank employee via the communication line. By receiving the information indicating the deposit amount and the scheduled deposit period, the terminal device and the account management server 70 constitute a fee determination system.

DESCRIPTION OF SYMBOLS 1 ... Fee determination apparatus, 2 ... Input part, 3 ... Display part, 4 ... Memory | storage part, 5 ... Communication part, 6 ... Control part, 61 ... Input reception part 62 ... Cash exchange probability calculation unit, 63 ... Fee determination unit, 64 ... Preparation amount calculation unit

Claims (9)

An input reception unit that receives an input of the deposit amount to the deposit account and the scheduled deposit period;
A redemption probability calculation unit for calculating redemption probability information indicating a probability that the deposit in the deposit account is converted into a foreign currency within a predetermined period after the scheduled deposit period ends;
Based on the exchange probability information, a fee determining unit that determines a conversion rate or a fee when converting deposits in the deposit account into a foreign currency within a predetermined period after the scheduled deposit period ends;
A fee determining device comprising: The exchange probability calculation unit is based on a ratio of deposit accounts in which a deposit in the deposit account is converted into a foreign currency within a predetermined period after the scheduled deposit period is completed among the plurality of deposit accounts. Calculating the cash probability information;
The fee determining device according to claim 1. The fee determining unit determines the cash rate or fee based further on a plurality of deposit account balances and interest rates in a predetermined period before the deposit in the deposit account is converted into a foreign currency. ,
The fee determining device according to claim 1 or 2. The fee determining unit is configured to convert the deposit rate in the deposit account or the fee when the deposit in the deposit account is converted into a foreign currency before the scheduled deposit period, and the deposit in the deposit account after the scheduled deposit period. Different from the above exchange rate or fee when converting to
The fee determining device according to any one of claims 1 to 3. The cashing probability calculation unit calculates the cashing probability information in association with the length of the scheduled deposit period,
The fee determining unit determines the exchange rate or the fee based on a length of the scheduled deposit period;
The fee determining device according to any one of claims 1 to 4. The input receiving unit further receives an input of a foreign currency type scheduled to be cashed after the planned deposit period,
The fee determining unit determines the exchange rate or the fee based on whether the type of the exchanged foreign currency matches the foreign currency type received by the input receiving unit.
The fee determining device according to any one of claims 1 to 5. A reserve amount calculation unit that calculates a reserve amount of the foreign currency type received by the input reception unit based on the deposit amount and the exchange probability information;
The fee determining device according to claim 6, further comprising: The computer runs,
Receiving the deposit amount and the estimated deposit period in the deposit account;
Calculating redemption probability information indicating a probability that a deposit in the deposit account is converted into a foreign currency within a predetermined period after the planned deposit period ends;
Determining a cash exchange rate or a fee for converting the deposit in the deposit account into a foreign currency within a predetermined period after the planned deposit period ends based on the cash probability information;
Including fee determination method. A fee determination system comprising: a terminal device; and a fee determination device connected to be communicable with the terminal device,
The terminal device includes an operation receiving unit that receives an input operation of a deposit amount and a scheduled deposit period in a deposit account,
The fee determining device includes:
An input receiving unit that receives an input of the deposit amount received by the operation receiving unit and the scheduled deposit period;
A redemption probability calculation unit for calculating redemption probability information indicating a probability that the deposit in the deposit account is converted into a foreign currency within a predetermined period after the scheduled deposit period ends;
Based on the exchange probability information, a fee determining unit that determines a conversion rate or a fee when converting deposits in the deposit account into a foreign currency within a predetermined period after the scheduled deposit period ends;
Having
Fee determination system.

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