JPH0816670A - Device and method for automatically processing overseas remittance business - Google Patents

Abstract

PURPOSE:To improve the efficiency of business processing by automatically deciding the exchange rate on customer after the second time and applying the input information of first time as the input information of a remittance transaction after the second time. CONSTITUTION:In the case of remittance processing after the second time, an automatic processing control means 6 related to accounting is started by an exchange accounting system, and the automatic decision processing of the foreign exchange rate is performed by an automatic foreign exchange rate deciding means 8. Then, an automatic overseas remittance business processing control means 9 is started, and a foreign exchange accounting system is changed into an overseas business processing system. An input telegraphic message extracting means 12 started from the automatic processing control means 9 extracts an input telegraphic message at the time of first remittance from an input telegraphic message storage part 20. Next, document information is generated based on the input telegraphic message by an overseas document generating means 11 and registered on an overseas document information storage part 21. Based on the overseas document information registered on this storage part 21 an overseas document generating means 13 generates an instruction statement 22 addressed to a destination bank and an instruction statement 23 addressed to a deciding bank.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic processing of a foreign remittance business, and more particularly, to an apparatus and a method for automatically processing the second and subsequent remittances when processing a fixed amount of regular foreign remittance. .

[0002]

2. Description of the Related Art Conventionally, in order to carry out foreign remittance business using a foreign exchange online system, payment information for customers from a foreign exchange accounting system is input from a terminal at a bank's sales office, and an overseas office processing system is also used in the international department. Enter the payment information for overseas banks from and create an order for overseas banks. At that time, most of the payment methods for regular fixed amount remittances such as overseas remittances to overseas students apply to the customer's telegraph rate on the day of remittance.

Conventionally, the operator always confirms the market price to be applied to such regular fixed amount remittance, and therefore, the input information is almost the same in the second and subsequent remittance processes. In the International Department, the operator inputs the input information of the money transfer transaction from the terminal.

[0004]

With the above-mentioned conventional method for processing foreign money remittances, even if a fixed amount of money is remitted on a regular basis,
Since the operator confirms the market price to the customer, the input processing from the sales office and the input from the international department must be performed every time the remittance is made.

[0005] Therefore, in small amount remittance transactions for international students, there are administrative costs and profits are small. Therefore, according to the present invention, in order to improve the efficiency of paperwork, the exchange rate to the customer is automatically determined for the second time and thereafter, and the first input information is applied as the input information for the second and subsequent money transfer transactions. It is intended to omit the subsequent input processing of remittance transactions.

[0006]

[Means for Solving the Problem] The foreign exchange accounting system is a customer information registration means for registering the customer's foreign remittance contract information input from a terminal of a bank store in a customer information storage unit, and financial accounting information. Related processing means for registering transaction information in the transaction management information storage section, automatic processing information registration means for registering automatic processing information of second and subsequent remittance processing in the automatic processing information storage section, and automatic processing of the foreign exchange accounting system. Account-related automatic processing control means, automatic processing extraction means for extracting data to be automatically processed from the automatic processing information storage section and the customer information storage section based on an instruction of the account-related automatic processing control means, and foreign exchange. Foreign exchange rate automatic determination means for automatically determining the market price based on the information stored in the foreign exchange rate information storage unit, foreign currency deposit information storage unit and yen deposit information storage unit, and overseas office processing And a foreign remittance office automatic process control means for controlling the automatic processing of, overseas office processing system,
Required for automatic processing by inputting information from the terminal of the International Department of the bank and registering it in the input message storage section as an input message for foreign remittance, and by starting from the foreign remittance office automatic processing control means Input message extracting means for extracting a different input message from the input message storage unit, and overseas destination document information of the foreign remittance input from the terminal or document information stored overseas based on the input message extracted from the input message storage unit. The overseas document information generating means for generating the overseas document information in the department and the overseas document creating means for creating the instruction for the destination bank and the instruction for the settlement bank based on the information in the overseas document information storage section. Have

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described with reference to the drawings.

FIG. 1 is a block diagram of the present invention.

As shown in FIG. 1, the foreign remittance business automatic processing apparatus of the present invention comprises a foreign exchange accounting system for processing financial accounting of foreign exchange and an overseas office processing system for processing overseas office work.

The foreign exchange accounting system includes a customer information registration means 3 for registering the foreign remittance contract information for each customer, which is input from the terminal 1 of a bank sales office, in the customer information storage unit 14, and transaction management of financial accounting information. Account-related processing means 4 to be registered in the information storage section 15, automatic processing information registration means 5 for registering automatic processing information of the second and subsequent remittance processing in the automatic processing information storage section 16, and automatic processing of the foreign exchange accounting system. Account-related automatic process control means 6 for controlling the automatic account processing, and automatic process extracting means for extracting data to be automatically processed from the automatic process information storage unit 16 and the customer information storage unit 14 based on the command of the account-related automatic process control unit 6. 7 and the foreign exchange rate automatically determining the foreign exchange rate based on the information stored in the foreign exchange rate information storage unit 17, the foreign currency deposit information storage unit 18, and the yen deposit information storage unit 19. A determination unit 8, and a remit office automatic process control means 9 for controlling the automatic processing of foreign affairs processing system.

The overseas business processing system includes an input message registration means 10 for inputting overseas instruction information from the terminal 2 of the international department of a bank and registering it in the input message storage unit 20 as an input message for foreign remittance, and the foreign remittance business. Input message extracting means 12 for extracting from the input message storage unit 20 an input message required for automatic processing upon activation from the automatic process control means 9, and foreign-addressed foreign order information or input message memory input from the terminal 2. Document information generating means 11 for overseas, which generates document information for foreign countries in the document information memory 21 for foreign countries based on the input message extracted from the unit 20, and the instruction book for the destination bank based on the document information memory 21 for foreign countries. 22
And an overseas-addressed document creating means 13 for creating an instruction book 23 addressed to the settlement bank.

FIG. 2 is a flow chart of the foreign remittance business automatic processing method of the present invention.

The processing operation of the foreign remittance automatic processing apparatus will be described with reference to FIG.

First, the case of the first remittance processing will be described.

In the foreign exchange accounting system, when the foreign remittance comprehensive contract information and the financial accounting information are input from the terminal 1 of the sales office (step 2-2), the foreign remittance comprehensive contract information is stored in the customer information registration means 3 as the customer information. It is registered in the section 14 (step 2-3). Since the second and subsequent remittances for the same customer will be automatically processed based on this information, the process of step 2-3 is performed only at the first remittance process.

The financial accounting information is registered in the transaction management information storage unit 15 from the account related processing means 4 to create a foreign remittance ledger, and the financial accounting processing is performed by the account related processing means 4 (step 2-4).

The automatic processing information registration means 5 registers the next automatic processing information in the automatic processing information storage unit 16 based on the foreign remittance comprehensive contract information and the financial accounting information (step 2-
5). The next automatic remittance process is started based on this information. At the time of the first remittance, the processing in the foreign exchange accounting system ends here, and the system shifts to the overseas office processing system. In the overseas office work processing system, first, the overseas instruction information is input from the terminal 2 of the international department (step 2-7), and the input electronic message is registered in the input electronic message storage unit 20 from the input electronic message registration means 10 (step 2-). 8). The preparation of overseas orders for the second and subsequent remittances is automated based on this information.

Next, based on the above-mentioned input message, the overseas-addressed document information generating means 11 generates the overseas-addressed document information and registers it in the overseas-addressed document information storage section 21 (step 2-9).

Based on the overseas document information registered in the overseas document information storage unit 21, the overseas document generation means 13 creates the destination bank instruction 22 and the settlement bank instruction 23 (step 2- 10).

With the above, the foreign remittance transaction at the time of the first remittance is completed.

The operation of automatic processing during the second and subsequent remittances will be described below.

In the case of the second and subsequent remittance processing, first, the account-related automatic processing control means 6 is activated in the foreign exchange accounting system (step 2-11), and the automatic processing extraction means 7 is used every business day. Automatic processing information The processing target transaction of the day is extracted from the automatic processing information storage unit 16 (step 2-12),
Automatic process complementary information is extracted from the customer information storage unit 14 as the next automatic process information (step 2-13).

When the extraction is completed, in order to carry out automatic processing relating to accounts, the foreign exchange rate information storage unit 17 and the foreign currency deposit information storage unit 18 are subjected to automatic determination processing of the foreign exchange rate (counter quote) necessary for foreign remittance transactions. And the foreign currency exchange rate automatic determination means 8 based on the information in the yen deposit information storage section 19 (step 2-14).

Regarding the automatic determination process of the national exchange rate (to the customer rate) in the foreign exchange rate automatic determination means 8,
It will be described later with reference to FIG.

After automatically determining the foreign exchange rate for the customer, the account-related automatic processing control means 6 determines the foreign exchange rate automatic determination means 8.
The account-related processing means 4 is activated to register the financial accounting information in the transaction management information storage section 15, the account-related processing means 4 creates a foreign remittance ledger, and financial accounting processing is performed (step 2-4).

The automatic processing information registration means 5 registers the next automatic processing information in the automatic processing information storage unit 16 based on the foreign remittance comprehensive contract information and the financial accounting information (step 2-5).
The next automatic remittance process is started based on this information.

When it is determined that the processing is the second or subsequent remittance processing, the foreign remittance business automatic processing control means 9 is activated (step 2-15) to shift from the foreign exchange accounting system to the overseas business processing system. Transition. Input message extracting means 12 activated from foreign money transfer automatic processing control means 9
Extracts the input message for the first remittance from the input message storage unit 20 (step 2-16).

Next, based on the input message, the overseas document information generation means 11 generates overseas document information and registers it in the overseas document information storage section 21 (step 2-9).

Based on the overseas document information registered in the overseas document information storage unit 21, the overseas document generation means 13 creates a destination bank instruction 22 and a settlement bank instruction 23 (step 2- 10).

When it is determined that the remittance is automatically processed for the second time and thereafter, control is performed by the account-related automatic processing control means 6 of the foreign exchange accounting system in order to extract the next transaction to be automatically processed. Transfer. After that, the automatic processing of the foreign remittance is repeated until the same day remittance transaction extraction data is exhausted.

FIG. 3 is a flowchart of the foreign exchange rate automatic determination processing of the present invention.

The foreign exchange rate automatic determination process will be described with reference to FIG.

In the present invention, since it is necessary to automatically process the foreign remittance under more favorable conditions for the customer, when concluding a foreign remittance comprehensive contract with the customer, yen deposits and foreign currency deposits arbitrarily used as consideration for the foreign remittance. Is assumed to be opened.
In other words, it is possible to cover the cost of foreign remittance with a lower priced resource.

As shown in FIG. 3, the foreign exchange rate information storage unit 17 stores the foreign exchange rate for the customer on the day, and the foreign currency deposit information storage unit 18 stores the book value unit price of the foreign currency deposit created by the foreign remittance comprehensive contract. It is registered.

The foreign exchange rate automatic determination means 8 determines the value of foreign remittance by indexing the book price unit price of the foreign exchange rate for the customer and the foreign currency deposit of the customer on this day, and comparing the two values. That is, if the foreign exchange rate for the customer on the day> the book value unit price of the foreign currency deposit, the consideration is the foreign currency deposit, and if the foreign exchange rate for the customer on the day <the book value unit price of the foreign currency deposit is the yen deposit. The market price to the customer at that time is automatically determined from the foreign exchange rate to the customer on that day.

In the case of the specific example shown in FIG. 3, since the foreign exchange rate against the customer on the day (TTS=@102.00) <book value unit price of foreign currency deposit (@ 106.25), the consideration is determined as yen deposit. To do.

[0037]

As described above, according to the present invention,
For products for which fixed amount foreign remittance is standardized by comprehensive contract, the comprehensive contract is stored in the customer information in the first remittance process and the information is utilized in the second and subsequent remittance processes to automate the foreign remittance business. It is possible to do this, and it is also possible to automatically determine the adaptive market price for foreign currencies, which has been a hindrance to automatic processing, which has the effect of significantly reducing the number of man-hours required for paperwork.

[Brief description of drawings]

FIG. 1 is a block configuration diagram of the present invention.

FIG. 2 is a flow chart of a foreign remittance business automatic processing method of the present invention.

FIG. 3 is a flowchart of a foreign exchange rate automatic determination process of the present invention.

[Explanation of symbols]

 1 Terminal (branch office) 2 Terminal (International Department) 3 Customer information registration means 4 Account related processing means 5 Automatic processing information registration means 6 Account related automatic processing control means 7 Automatic processing extraction means 8 Foreign exchange rate automatic determination means 9 Foreign remittance Office automatic processing control means 10 Input message registration means 11 Overseas document information generation means 12 Input message extraction means 13 Overseas document creation means 14 Customer information storage section 15 Transaction management information storage section 16 Automatic processing information storage section 17 Foreign exchange rate information Storage unit 18 Foreign currency deposit information storage unit 19 Yen deposit information storage unit 20 Input message storage unit 21 Overseas document information storage unit 22 Ordering bank instruction book 23 Settlement banking order book

Claims (3)

[Claims] 1. In a foreign remittance business comprising a foreign exchange accounting system for processing financial accounting of foreign exchange and an overseas business processing system for handling office work destined for foreign countries, the foreign exchange accounting system is a terminal of a bank store. The customer information registration means for registering the foreign remittance contract information for each customer entered from the customer information storage section, the account related processing means for registering the financial accounting information in the transaction management information storage section, and the second and subsequent remittance processing Automatic processing information registration means for registering automatic processing information in the automatic processing information storage unit, account-related automatic processing control means for controlling automatic processing of the foreign exchange accounting system, and based on a command of the account-related automatic processing control means Automatic processing extraction means for extracting data to be automatically processed from the automatic processing information storage section and the customer information storage section, and the foreign exchange rate to the foreign exchange rate information storage section. From the foreign exchange rate automatic determination means that automatically determines based on the information stored in the foreign currency deposit information storage section and the yen deposit information storage section, and the foreign remittance automatic processing control means that controls the automatic processing of the overseas office processing system. The overseas business processing system comprises an input electronic message registration means for inputting overseas instruction information from a terminal of an international department of a bank and registering it in an input electronic message storage unit as an input message of foreign remittance, and the foreign remittance business automatic processing. Input message extracting means for extracting from the input message storage unit an input message required for automatic processing upon activation from the control unit, and overseas instruction information of foreign remittance input from the terminal or extracted from the input message storage unit. An overseas document information generation means for generating overseas document information in the overseas document information storage unit based on the input message, and this overseas document information record. Foreign remittance business automatic processing apparatus, characterized in that it is composed of a foreign destined document creation means that based on the information of the department to create a destination bank addressed to orders and settlement bank addressed to orders. 2. An automatic processing method for a regular fixed amount foreign remittance business, in the case of the first remittance processing, the foreign remittance accounting system from the terminal of the business office to the foreign remittance comprehensive contract information and financial accounting information. When the user inputs, the foreign remittance comprehensive contract information is registered in the customer information storage unit from the customer information registration unit, and the financial accounting information is registered in the transaction management information storage unit by the account related processing unit to create a foreign remittance ledger. Then, the account-related processing means performs financial accounting processing, and the automatic processing information registration means registers the next automatic processing information in the automatic processing information storage unit based on the foreign remittance comprehensive contract information and financial accounting information. After finishing the processing in the foreign exchange accounting system, in the overseas office processing system, the information of the overseas instruction is input from the terminal of the international department, and the input electronic message registration means. From the input electronic message storage unit, and based on the input electronic message, the document information generating unit for overseas destinations generates document information for overseas destinations and registers it in the document information storage unit for overseas destinations. Based on the overseas document information registered in the information storage unit, the overseas document generation means creates an instruction for the destination bank and an instruction for the settlement bank, completes the foreign remittance transaction at the time of the first remittance, and In the case of remittance processing, the account-related automatic processing control means is activated in the foreign exchange accounting system, and the processing of the day from the automatic processing information automatic processing information storage unit is performed via the automatic processing extraction means every business day. The target transaction is extracted, complementary information for automatic processing is extracted as the next automatic processing information from the customer information storage unit, and when this extraction is completed, the account-related auto In order to perform the processing, necessary for the foreign remittance transaction foreign exchange rates (vs. customer quotes)
Is automatically determined by the foreign exchange rate automatic determination means based on the information in the foreign exchange rate information storage section, the foreign currency deposit information storage section, and the yen deposit information storage section. After that, the account-related automatic processing control means activates the account-related processing means from the foreign exchange rate automatic determination means to register financial accounting information in the transaction management information storage unit, and the account-related processing means performs foreign money transfer. Create a ledger and perform financial accounting processing, based on the foreign remittance comprehensive contract information and financial accounting information, the automatic processing information registration means registers the next automatic processing information in the automatic processing information storage unit, Foreign remittance office automatic processing control means is activated,
The input message extracting means activated from the foreign remittance accounting system is transferred to the overseas business processing system, and is activated from the foreign remittance business automatic processing control means, from the input message storing section, receives the input message at the time of the first remittance. Based on the input message, the overseas document information generating means generates the overseas document information and registers it in the overseas document information storage unit. The overseas document information registered in the overseas document information storage unit Based on the above, the document generation means for foreign countries creates the instruction for the destination bank and the instruction for the settlement bank, and the account of the foreign exchange accounting system for extracting the next transaction to be processed automatically. After transferring the control to the related automatic processing control means, the automatic processing of foreign remittance is repeated until the same day remittance transaction extraction data disappears. Foreign remittance business automatic processing method and. 3. The foreign exchange rate automatic determining means registers the book value unit price of the foreign currency deposit created by the foreign exchange rate information storage unit in which the foreign exchange rate for the customer on the day is registered and the foreign remittance comprehensive contract. The foreign currency deposit information storage unit that has been stored is indexed, and the foreign exchange rate to the customer on that day and the book value unit price of the foreign currency deposit of the customer on this day are compared, and the foreign exchange rate to the customer on the day> Foreign currency deposit book 3. The foreign remittance according to claim 2, wherein if the unit price is a foreign currency deposit, the foreign exchange deposit against the customer on the day <the book value of the foreign currency deposit is the yen deposit, and the foreign remittance is determined. Business automatic processing method.