KR102498852B1 - Method for estimating profit and loss for foreign exchange transaction and device thereof - Google Patents

Abstract

A method for a device to estimate and provide profit and loss from foreign exchange transactions comprises: a step (a) of performing a process (i) for displaying or supporting the display of a first interface for inputting information on an agreed limit amount between a customer and a financial institution according to a foreign exchange transaction in a first area of the device or a terminal communicating with the device and a process (ii) for displaying or supporting the display of a second interface for inputting limit exhaustion information indicating how much of the agreed limit amount to use in a second area of the device or terminal; a step (b) of performing a process for calculating or supporting the calculation of a customer revenue based on the amount spent when the agreed limit amount information and the limit exhaustion information are input and the customer uses an amount corresponding to at least a part of the limit exhaustion information and a process for calculating or supporting the calculation of an expected loss amount based on a default rate according to the customer's credit information; and a step (c) of calculating or supporting the calculation of an expected profit or loss based on the customer revenue and the expected loss amount and displaying or supporting the display of the expected profit or loss in a third area of the device or terminal. According to the present invention, the method can calculate expected profit or loss over a predetermined period of time.

Description

Method and apparatus for estimating foreign exchange transaction profit and loss {METHOD FOR ESTIMATING PROFIT AND LOSS FOR FOREIGN EXCHANGE TRANSACTION AND DEVICE THEREOF}

The present invention relates to a foreign exchange transaction profit and loss estimation method and a foreign exchange transaction profit and loss estimation apparatus capable of systematically and precisely estimating profit and loss in foreign exchange transactions. More specifically, the present invention can conduct foreign exchange transactions differently for each customer based on credit rating information of each customer using foreign exchange transactions, average limit exhaustion rate or average limit usage balance for foreign exchange transaction limit, exchange rate, customer interest rate, etc. It relates to a method for estimating profit and loss on foreign exchange transactions and a device for estimating profit and loss on foreign exchange transactions.

As the world economy becomes globalized, export/import or foreign currency payment guarantee transactions for various goods and/or services are occurring not only domestically but also internationally. At this time, customers (individuals and/or companies) who are parties to the transaction may borrow funds or receive guarantees from financial companies (eg, banks) in order to conduct international business activities.

At this time, in foreign exchange transactions, factors to be considered (e.g. exchange rate, etc.) this may be added.

Therefore, foreign exchange transactions have many factors to be considered and are complex compared to won transactions, so various studies are being conducted to estimate the profit and loss of foreign exchange transactions in a systematic, precise, and convenient way.

Korean Patent Publication No. 10-2007-0037600

One object of the present invention is to provide a method for estimating foreign exchange transaction profit and loss.

Another object of the present invention is to provide a foreign exchange foreign exchange transaction profit and loss estimation device.

However, the object of the present invention is not limited to these objects, and may be expanded in various ways without departing from the spirit and scope of the present invention.

In order to achieve one object of the present invention described above, a method for estimating and providing a profit or loss according to a foreign exchange transaction by an apparatus according to embodiments is (a) (i) in the first area of the apparatus or a terminal communicating therewith. A process for displaying or supporting to display a first interface for inputting information on a limit amount agreed upon between a customer and a financial institution according to a transaction, and (ii) a limit indicating how much of the limit amount agreed to be used in the second area of the device or terminal. performing a process of displaying or supporting display of a second interface for inputting exhaustion information; (b) when the contract limit amount information and the limit exhaustion information are input, the customer responds to at least a part of the limit exhaustion information; When using the amount, performing a process of calculating or supporting the calculation of the customer's profit according to the amount used and a process of calculating or supporting the calculation of the expected loss based on the default rate and default loss rate according to the customer's credit information, and ( c) calculating or assisting in calculating an expected profit or loss based on the customer's profit and the expected loss, and displaying or supporting display in a third area of the device or terminal.

In one embodiment, in the step (b), the expected loss amount is the used amount of the bad debt allowance for the used amount corresponding to at least a part of the limit exhaustion information and the amount corresponding to the entire limit exhaustion information. Allowance for bad debts for the unused amount, which is the part excluding , can be calculated and calculated.

In one embodiment, the customer revenue is calculated based on the used amount, the customer fee, and the standard exchange rate, and the expected loss amount includes a bad debt allowance for the used amount and a bad debt allowance for the unused amount, and an internal transfer price. , can be calculated based on the education tax.

In one embodiment, the bad debt allowance for the unused amount may be calculated based on the bad debt allowance calculated for the used amount.

In one embodiment, the bad debt allowance for the unused amount may be calculated by multiplying the bad debt allowance (%) calculated for the used amount by the additional usage rate (CCF).

In one embodiment, the contract limit amount and the limit exhaustion information are for an amount to be used during a predetermined period rather than a specific time point, and the limit exhaustion information is an average amount to be used during the predetermined period within the contract limit amount. Since it is information on the amount of consumption, it is possible to calculate the expected profit or loss for the predetermined period instead of calculating the expected profit or loss based on the balance at a specific point in time as in the past.

In one embodiment, the customer revenue is calculated by multiplying the usage amount by the ratio of the settlement period between the foreign country and Korea in consideration of the country to which the customer belongs, when there is a difference in the transaction settlement period between the foreign country and Korea. By doing so, the profit difference due to the settlement period difference between the overseas country and Korea can be calculated by correcting the difference.

In one embodiment, in the step (a), the terminal is a bank branch terminal, the contract limit amount information and the limit exhaustion information are input through the bank branch terminal, and the foreign exchange transaction profit and loss estimation method is , After step (b), (b2) further comprising displaying or supporting a search interface for executing contribution profit/loss inquiry on a fourth area of the screen of the branch terminal, and executing contribution profit/loss inquiry through the inquiry interface. If the request is obtained, it may calculate or assist in calculating an expected profit or loss based on the customer commission and the expected loss amount.

In one embodiment, when existing transaction information or credit information on the customer cannot be utilized, the contract limit amount is used by using at least one of transaction information and credit information on an existing customer classified as a similar type to the customer. And at least some of the limit exhaustion information may be provided.

In one embodiment, in the step (b), the contract limit amount information for the foreign exchange transaction actually made during the predetermined period and the limit exhaustion information according to the use of the amount during the period are read from the database and provided to be automatically entered or provided Supporting steps may be further included.

In one embodiment, the profit or loss according to the foreign exchange transaction and accompanying transaction for a predetermined period is calculated or supported, and the total profit or loss is calculated or supported by automatically adding it to the expected profit or loss, so that the device or terminal 5 may further include a step of displaying or supporting display in the region.

In one embodiment, when import and/or export performance information of a company subject to foreign exchange transactions is entered, an amount that can be agreed upon is calculated or supported to be calculated according to the type of foreign exchange transaction, and displayed or displayed in a sixth area of the device or terminal. It may further include a step of supporting to do so.

In order to achieve the other object of the present invention described above, an apparatus for supporting profit and loss estimation according to a foreign exchange transaction is (i) the information on the limit amount of the agreement between the customer and the financial company according to the foreign exchange transaction in the first area of the apparatus or a terminal communicating therewith. A process for displaying or supporting to display a first interface for inputting, displaying or supporting to display a second interface for inputting limit exhaustion information indicating how much of the contract limit amount to be used in a second area of the device or terminal When the contract limit amount information and the limit exhaustion information are input, when the customer spends an amount corresponding to at least a part of the limit exhaustion information, the interface unit for performing the process of calculating or supporting the customer to calculate the profit according to the amount used. and a control unit that performs a process of calculating or assisting in calculating an expected loss amount based on a default rate according to credit information of the customer, wherein the control unit calculates an expected profit or loss based on the customer's revenue and the expected loss amount. or support for calculation, and display or support for display in a third region of the device or terminal through the interface unit.

In one embodiment, the expected loss amount is a bad debt allowance for a used amount corresponding to at least a part of the limit exhaustion information and an unused amount of the amount corresponding to the entire limit exhaustion information, excluding the used amount. Allowance for bad debts can be calculated and calculated respectively.

In one embodiment, the bad debt allowance for the unused amount may be calculated based on the bad debt allowance calculated for the used amount.

In one embodiment, the contract limit amount and the limit exhaustion information are for an amount to be used during a predetermined period rather than a specific time point, and the limit exhaustion information is an average amount to be used during the predetermined period within the contract limit amount. Since it is information on the amount of consumption, it is possible to calculate the expected profit or loss for the predetermined period instead of calculating the expected profit or loss based on the balance at a specific point in time as in the past.

In one embodiment, the customer revenue is calculated by multiplying the usage amount by the ratio of the settlement period between the foreign country and Korea in consideration of the country to which the customer belongs, when there is a difference in the transaction settlement period between the foreign country and Korea. By doing so, the profit difference due to the settlement period difference between the overseas country and Korea can be calculated by correcting the difference.

In one embodiment, when existing transaction information or credit information on the customer cannot be utilized, the contract limit amount is obtained by using at least one of transaction information and credit information on an existing customer classified as a similar type to the customer. And at least some of the limit exhaustion information may be provided.

In one embodiment, the control unit may read out from a database and automatically input contract limit amount information for foreign exchange transactions actually made during a predetermined period and limit exhaustion information according to amount use during the same period, or provide or support to provide. .

In one embodiment, the control unit calculates or supports the calculation of a profit or loss according to a foreign exchange transaction for a predetermined period and an accompanying transaction, and calculates or calculates the total profit or loss by automatically adding it to the expected profit or loss, so that the device Alternatively, it may be displayed or supported to be displayed in the fifth area of the screen of the terminal.

The method and apparatus for estimating foreign exchange transaction profit and loss according to the embodiments calculates the customer's profit according to the amount used based on the limit amount of the contract between the customer and the financial company and the limit exhaustion information, and the expected loss based on the default rate according to the customer's credit information. can be calculated, and the expected profit or loss can be calculated based on the customer's profit and expected loss.

At this time, since the contract limit amount and limit exhaustion information are for the amount to be used during a predetermined period rather than a specific point in time, the foreign exchange transaction profit and loss estimation method and apparatus can calculate the expected profit and loss during the predetermined period.

In addition, if there is a difference in the transaction settlement period between the target country and Korea, the method and device for estimating foreign exchange transaction profit and loss calculates the customer profit after correcting the difference in revenue due to the difference in settlement period between the target country and Korea. You can estimate your trading profit.

However, the effects of the present invention are not limited to the above-described effects, and may be variously extended within a range that does not deviate from the spirit and scope of the present invention.

1 is a flowchart illustrating a method of supporting profit and loss estimation according to foreign exchange transactions according to an embodiment of the present invention.
2 is a diagram illustrating an embodiment of a foreign exchange transaction profit and loss estimating apparatus capable of estimating profit and loss according to foreign exchange transactions using a method for supporting profit and loss estimation according to foreign exchange transactions.
3 to 5 are diagrams illustrating embodiments of screens displayed on a terminal included in the apparatus for estimating foreign exchange transaction profit and loss of FIG. 2 .

For the embodiments of the present invention disclosed in the text, specific structural or functional descriptions are only exemplified for the purpose of explaining the embodiments of the present invention, and the embodiments of the present invention may be implemented in various forms and the text It should not be construed as being limited to the embodiments described above.

Since the present invention can have various changes and various forms, specific embodiments will be illustrated in the drawings and described in detail in the text. However, this is not intended to limit the present invention to a specific form disclosed, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. The terms may be used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be. On the other hand, when an element is referred to as “directly connected” or “directly connected” to another element, it should be understood that no other element exists in the middle. Other expressions describing the relationship between elements, such as "between" and "directly between" or "adjacent to" and "directly adjacent to", etc., should be interpreted similarly.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, terms such as "comprise" or "have" are intended to indicate that the described feature, number, step, operation, component, part, or combination thereof exists, but that one or more other features or numbers, It should be understood that the presence or addition of steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in this application, they are not interpreted in an ideal or excessively formal meaning. .

Meanwhile, when a certain embodiment can be implemented differently, functions or operations specified in a specific block may occur in a different order from the order specified in the flowchart. For example, two successive blocks may actually be performed substantially concurrently, or the blocks may be performed backwards depending on the function or operation involved.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in more detail. The same reference numerals are used for the same components in the drawings, and redundant descriptions of the same components are omitted.

According to an embodiment of the present invention, a method for estimating and providing profit or loss from foreign exchange transactions includes (a) (i) a limit amount agreed upon between a customer and a financial company according to a foreign exchange transaction in a first area of the device or a terminal communicating therewith. A process for displaying or supporting displaying a first interface for inputting information and (ii) displaying a second interface for inputting limit exhaustion information indicating how much of the contract limit amount to be used in a second area of the device or terminal. performing a process that supports displaying or displaying; (b) If the contract limit amount information and the limit exhaustion information are input, a process for calculating or supporting the calculation of customer profit according to the amount used when the customer uses an amount corresponding to at least a part of the limit exhaustion information, and the customer performing a process of calculating or assisting in calculating an expected loss amount based on a default rate according to credit information of ; and (c) calculating or assisting in calculating an expected profit or loss based on the customer's profit and the expected loss, and displaying or supporting display in a third area of the device or terminal.

The first area of the device or a terminal communicating with the device refers to an area of a display screen of the device or a terminal communicating with the device. The second, third, and ??n regions described in this specification mean one region of the display screen of the device or a terminal communicating with the device, which are distinguished from each other or overlap each other.

Here, the contract limit amount may refer to a limit amount set by the financial company in a contract so that the customer can freely use the amount within the limit.

For example, if a financial institution enters into a commitment limit agreement with a customer for a commitment limit of $1 billion, the customer is free to spend within the commitment limit amount of $1 billion. Through this, financial companies and customers can reduce the inconvenience of having to conclude contracts whenever foreign exchange is needed.

The contract limit amount may differ depending on information such as the customer's past transaction details. For example, a customer with a high credit rating can use foreign exchange transactions with a higher contract limit than a customer with a low credit rating. In addition, customers with high credit ratings can transact foreign exchange at a relatively lower interest rate than customers with low credit ratings.

The limit exhaustion information may refer to information on an average amount of exhaustion to be used for a predetermined period within the contract limit amount. For example, if a customer uses an average of 70 million won for one year out of a contract limit of 100 million won, the limit exhaustion information may be 70%.

In the step (b), the expected loss amount is an unused amount that is a portion of the amount corresponding to the amount corresponding to the entire limit exhaustion information and the bad debt allowance for the used amount corresponding to at least a part of the limit exhaustion information, excluding the used amount. Allowance for bad debts can be calculated and calculated, respectively.

The customer profit is calculated based on the used amount, the customer fee, and the standard exchange rate, and the expected loss amount is calculated based on the bad debt allowance for the used amount and the bad debt allowance for the unused amount, the internal transfer price, and the education tax. It can be.

The allowance for bad debt for the unused amount may be calculated based on the allowance for bad debt calculated for the used amount.

The credit loss allowance for the unused amount is calculated by multiplying the credit loss allowance calculated for the used amount by the additional utilization rate (CCF), foreign exchange transaction profit and loss estimation method.

The contract limit amount and the limit exhaustion information are for an amount to be used during a predetermined period rather than a specific point in time, and the limit exhaustion information is average exhausted amount information to be used during the predetermined period within the contract limit amount. Bar, The expected profit or loss for the predetermined period may be calculated instead of calculating the expected profit or loss based on the balance at a specific point in time as in the past.

If there is a difference in the transaction settlement period between the overseas country and Korea, the customer revenue is calculated by multiplying the usage amount by the ratio of the settlement period between the overseas country and Korea, taking into account the country to which the customer belongs, It can be calculated by correcting the profit difference due to the difference in settlement period that exists between Korea.

In the step (a), the terminal is a bank branch terminal, the contract limit amount information and the limit exhaustion information are input through the bank branch terminal, and the foreign exchange transaction profit and loss estimation method is performed in the step (b) Thereafter, (b2) further comprising displaying or supporting an inquiry interface for executing contribution profit and loss inquiry in a fourth area of the screen of the branch terminal, and when a request for executing contribution profit and loss inquiry is obtained through the inquiry interface, the It is possible to calculate or assist in calculating an expected profit or loss based on the customer commission and the expected loss amount.

When existing transaction information or credit information on the customer cannot be utilized, at least one of transaction information and credit information on the existing customer classified as a similar type to the customer is used to determine the contract limit amount and the limit exhaustion information. At least some may be provided.

In the above step (b), the step of providing or providing support to read out the information on the contract limit for foreign exchange transactions actually made during the predetermined period and the limit exhaustion information according to the use of the amount during the period from the database to be automatically entered, or to provide support can do.

Calculate or support to calculate the profit or loss according to the foreign exchange transaction and accompanying transaction for a predetermined period, and support to calculate or calculate the total profit or loss by automatically adding it to the expected profit or loss, and display or display it in the fifth area of the device or terminal It may further include a step of supporting to do so.

In the method, when import and/or export performance information of a company subject to foreign exchange transaction is input, an amount that can be agreed upon is calculated or supported according to the type of foreign exchange transaction, and displayed or displayed in a sixth area of the device or terminal. It may further include steps to do.

1 is a flow chart showing a method for supporting profit and loss estimation according to foreign exchange transactions according to another embodiment of the present invention, and FIG. 2 is a flowchart for foreign exchange transactions using the method of estimating and providing the profit and loss according to FIG. It is a diagram showing the configuration of a device supporting profit and loss estimation according to FIG.

1 and 2, a method for supporting profit and loss estimation according to foreign exchange transactions according to another embodiment of the present invention includes loading or directly inputting customer information stored in a server (S100), foreign exchange transaction business and target Step of selecting a transaction (S200), step of entering a limit amount of contract to use foreign exchange transaction (S300), step of entering the number of days for settlement for foreign exchange transaction (S400), customer (300) of the limit amount of contract is the target Entering the expected average usage rate (average burnout rate) or amount to be used in the transaction (S500), entering the customer's credit information and interest rate for foreign exchange transaction business (S600), and calculating the amount of contribution profit or loss (S700). can include The foreign exchange transaction profit and loss estimation method may be performed by the apparatus 1000 that supports profit and loss estimation according to foreign exchange transactions. An apparatus 1000 for supporting profit and loss estimation according to foreign exchange transactions according to another embodiment of the present invention may include at least one of the terminal 100 and the server 200 .

Loading or directly inputting customer information stored in the server 200 ( S100 ) may be performed by the terminal 100 communicating with the server 200 . A variety of information may be stored in the server 200 . For example, the terminal 100 may be a terminal installed at a first branch of a financial company (eg, a bank), and customer information about customers 300 of the financial company may be stored in the server 200. can Accordingly, the terminal 100 may receive customer information of the customers 300 who have visited the first branch from the server 200 . Customer information received from the server 200 may be automatically input to the terminal 100 . Alternatively, customer information received from the server 200 may be manually input into the terminal 100 . The customer information may include the contract limit amount of the customer 300, credit rating, limit exhaustion information, transaction details with the financial company, and the like. The limit exhaustion information may be an expected average exhaustion rate or an average limit used balance.

The terminal 100 may also be installed at the second branch of the financial company, and the customer 300 may use the financial company's business through the terminal 100 installed at the second branch as well as the first branch. can Terminals 100 installed at each branch may be connected to the same server 200 .

When the customer 300 uses a foreign exchange transaction for the first time, information about the customer 300 may not be stored in the server 200 . In this case, existing transaction information or credit information of the customer 300 may not be utilized. At this time, the terminal 100 may provide at least some of the contract limit amount and limit exhaustion information by using at least one of transaction information and credit information for existing customers classified as a similar type to the customer 300 . The terminal 100 may use information of an existing customer as information of a new customer 300 . In addition, the terminal 100 may additionally provide information necessary for the customer 300 who first uses a foreign exchange transaction to use a foreign exchange transaction based on the information of the existing customer, as well as the contract limit amount and limit exhaustion information. . In this case, the server 200 may support the terminal 100 to use existing customer information.

For example, if information of other customers who operate the same/similar business to that of the customer 300 at a business scale similar to that of the customer 300 is pre-stored in the server 200, The terminal 100 may use information of other customers as information of the customer 300 .

The step of selecting a foreign exchange business and target transaction (S200) may be performed by the terminal 100 selecting a business to be used by the customer 300. In embodiments, the foreign exchange transaction business provided by the financial company includes at least a part of import letter of credit opening business, export purchase foreign exchange business, and foreign currency payment guarantee business. The import letter of credit opening transaction refers to a transaction in which a financial company opens a letter of credit according to the request and instructions of the importer customer. Export purchase foreign exchange business can be defined as a transaction in which a financial company purchases an export draft issued by a customer's counterparty and provided to the customer and pays funds to the customer. Foreign currency payment guarantee is a transaction in which a financial institution, as a guarantor, guarantees the payment of debts borne by the customer to the counterparty.

The import letter of credit opening operation may include at least a part of import letter of credit transactions at sight and import letter of credit transactions with a deadline. Export purchase foreign exchange transactions may include at least some of export exchange bill purchase transactions using a letter of credit and export exchange bill purchase transactions using a non-letter of credit method. The foreign currency payment guarantee transaction may include at least a portion of a financial guarantee method foreign currency payment transaction and a non-financial guarantee method foreign currency money transaction. The customer 300 and the financial company may include at least one of a plurality of transactions including the above six.

Letter of credit at sight and letter of credit with due date can be distinguished according to the timing of payment. A sight-seeing letter of credit may be defined as a method of immediately paying the price after checking a transaction target product, and a deadline-based letter of credit may be defined as a method of paying the price after a certain period of time after checking the transaction target product. The letter of credit method and the letter of credit method can be distinguished according to whether there is a bank's payment guarantee. If there is a bank's payment guarantee, it will be processed by letter of credit method, and if there is no bank's payment guarantee, it can be processed by non-letter of credit method. In the case of a letter of credit method without a bank's payment guarantee, payment can be made based on the credit between the parties to the transaction.

However, this is an example, and the financial company is not limited thereto, and the customer 300 may transact with various foreign exchange banks.

The step of inputting the limit amount of the agreement to use the foreign exchange transaction (S300) may be performed by the customer 300 determining the limit amount of the agreement to use the foreign exchange transaction of the financial company. The contract limit amount may refer to an amount set by the financial company so that the customer 300 can use it freely within the limit. In addition, the terminal 100 may input a period for the customer 300 to use the limited amount of the contract.

The terminal 100 may display a first interface for inputting information on the maximum contract amount between the customer and the financial company according to the foreign exchange transaction in the first area of the terminal. The server 200 may support display of the first interface in the first area of the terminal 100 .

For example, when a financial company enters into a contract limit amount with a customer 300 with a contract limit amount of 1 billion dollars, the customer 300 can freely use within the contract limit amount of 1 billion dollars. Through this, the customer 300 can reduce the inconvenience of having to sign a contract whenever foreign exchange is needed.

The contract limit amount may be different according to customer information of the customer 300 and past or expected trade performance. For example, a customer 300 with a high credit rating or a large trade record may perform a foreign exchange transaction with a higher contract limit than a customer 300 with a low credit rating or low trade record. In addition, customers 300 with high credit ratings can make foreign exchange transactions at lower interest rates than customers 300 with low credit ratings.

In the step of inputting the number of days for foreign exchange transactions (S400), the number of days for settlement may mean a period during which the customer 300 freely uses and pays the amount within the contract limit. The number of payment days may be previously input in the terminal 100 and/or the server 200 . Alternatively, the number of settlement days may be entered for each foreign exchange transaction.

For example, if the customer 300 sets the number of payment days to 73 days, the customer 300 may pay for the amount used within the contract limit after 73 days.

In step S500 of inputting an expected average usage rate (average consumption rate) or an amount to be used by the customer 300 for the target transaction among the contract limit amount (S500), the customer 300 may input the amount normally used in foreign exchange transactions. . The terminal 100 may display a second interface for inputting limit exhaustion information indicating how much of the contract limit amount to be used in the second area of the screen. The server 200 may support display of the second interface on the second area of the screen of the terminal 100 .

The amount of money normally used by the customer 300 in foreign exchange transactions may be determined based on information about the contract limit amount and limit exhaustion information for the contract limit amount. Input of contract limit amount information and limit exhaustion information may be performed through the terminal 100 . As described above, the terminal 100 may be defined as a bank branch terminal used in a bank branch.

In embodiments, the terminal 100 may calculate the amount of money to be used by the customer 300 among the contract limit amounts in two ways as follows.

In the first method, as shown in [Equation 1], the terminal 100 multiplies the contract limit amount by the expected average consumption rate, which is the rate at which the customer 300 averages the contract limit amount, as shown in [Equation 1]. ) can be entered as the amount to be used. Among the customer information pre-stored in the server 200, an expected average consumption rate of how much the customer 300 consumes the contract limit amount on average may be stored.

[Equation 1]

Amount customers will spend = Commitment cap amount * Estimated average burn rate

For example, when the target customer 300 enters into a contract with a contract limit of 1 billion dollars, the server 200 records data indicating that the target customer 300 typically consumes the contract limit at a rate of 75%. Based on this, it is possible to store an estimated average consumption rate of 75% for the contract limit amount of 1 billion dollars of the target customer 300 . Through this, the terminal 100 may set the amount to be used by the target customer 300 as 750 million dollars among the contract limit amount of 1 billion dollars of the target customer 300 .

In addition, the server 200 is based on data that, when the target customer 300 signs a contract with a contract limit of 500 million dollars, the target customer 300 typically exhausts the contract limit at a rate of 95% The expected average burnout rate for the target customer 300's commitment limit amount of $500 million may be stored as 95%. At this time, the terminal may set the amount to be used out of the contract limit of 500 million dollars of the target customer 300 as 475 million.

In this way, the terminal 100 may differently load and input the expected average consumption rate for the target customer 300 pre-stored in the server 200 according to the contract limit amount.

Alternatively, in embodiments, the terminal 100 may set the expected average consumption rate at a constant rate regardless of how much the target customer 300 sets the contract limit amount.

In this case, the contract limit amount and limit exhaustion information (rate OR amount input check) may be for an amount to be used during a predetermined period rather than a specific time point. Since the limit exhaustion information relates to information on the average amount of exhaustion to be used for a predetermined period within the contract limit amount, the method and apparatus for estimating foreign exchange transaction profit and loss do not calculate the expected profit or loss based on the balance at a specific point in time as in the prior art, but for a predetermined period of time. Estimated profit and loss for the period can be calculated.

The terminal 100 determines the expected average consumption rate through customer information of other customers that can be matched with the target customer 300 when the expected average consumption rate for the target customer 300 is not previously stored in the server 200. can For example, if the expected average burnout rate for other customers having a similar credit rating and similar business size to the target customer 300 is pre-stored in the server 200, the terminal 100 displays the expected average consumption rate of the other customers. An expected average burnout rate for the target customer 300 may be determined using the burnout rate.

In the second method, the terminal 100 may input the amount to be used by the customer 300 among the contract limit amounts as shown in [Equation 2] below.

[Equation 2]

Amount customers will spend = average limit usage balance

For example, the server 200 is based on data that if the target customer 300 signs a contract with a contract limit of $800 million, the customer 300 will typically use an amount of about 100 million on average The average limit usage balance for the contract limit amount of $ 800 million of the target customer 300 may be stored as 100 million. Through this, the terminal 100 can set the amount to be used as 100 million dollars among the contract limit of 800 million dollars of the target customer 300, and accordingly, the expected average consumption rate is automatically determined to be 12.5%.

Substantially the same as the first method, the second method may determine the average limit usage balance in various ways based on customer information.

In step S600 of inputting credit information and interest rates of customers for foreign exchange transactions, a customer commission rate for the customer 300 using foreign exchange transactions may be determined using customer information pre-stored in the server 200 .

The customer commission rate is the exchange rate considering the standard interest rate (eg, LIBOR, etc.) and the additional interest rate for the customer 300, the opening commission rate for the customer 300 to open a foreign exchange transaction, the payment guarantee commission rate, etc. can include The customer commission rate may be determined differently according to customer information of the target customer 300 using the foreign exchange transaction business.

The interest rate for the customer 300 may be determined by various criteria according to customer information. For example, the higher the credit rating of the target customer 300, the lower the interest rate for the target customer 300 may be. Alternatively, the interest rate for the target customer 300 may be lowered as the contract limit amount agreed upon by the target customer 300 is higher. Alternatively, the interest rate for the target customer 300 may be lowered as the average limit exhaustion rate of the target customer 300 increases. In addition, the interest rate for the customer 300 may be determined differently depending on the purpose, scale, period, etc. of the customer 300 using the foreign exchange transaction business. Similarly, the opening fee may be determined by various criteria according to customer information.

In the step of calculating the amount of contribution gain or loss (S700), the amount of contribution profit or loss may be determined using the difference between the profit to the customer (revenue amount) generated by the foreign exchange transaction and the expected loss rate (cost amount).

Revenue for customers may be calculated based on a usage amount, a customer fee (eg, exchange rate), and a standard exchange rate.

Conventionally, in the case of foreign exchange transactions, customer revenue was calculated based on the settlement period (eg, 360 days) of the foreign country. The domestic settlement period for customer revenue may differ from the overseas settlement period. For example, in the case of US dollars, the domestic customer revenue can be calculated on a 360-day basis. The method and apparatus for estimating foreign exchange transaction profit and loss according to the present invention considers the country where the customer 300 belongs or the country where the customer 300 transacts, and the difference in revenue due to the difference in settlement period between overseas countries and Korea for the amount used can be corrected. For example, by multiplying 365/360 by 365/360 by the customer revenue calculated based on the overseas country, the revenue difference due to the difference in settlement period that exists between the overseas country and Korea for the amount of money used can be corrected to calculate the customer revenue. Accordingly, the foreign exchange transaction profit and loss estimation method and apparatus according to the present invention can calculate the customer's profit based on the domestic settlement period.

In addition, when the terminal 100 calculates the customer profit and the expected loss amount, the data stored in the server 200 includes contract limit amount information for foreign exchange transactions actually made during a predetermined period and limit exhaustion information according to the use of the amount during the same period. It can be read from the base and automatically entered. In this case, the server 200 may support the terminal 100 to automatically input contract limit amount information for foreign exchange transactions actually made during a predetermined period and limit exhaustion information according to the amount used during the same period.

When the customer 300 uses an amount corresponding to at least a part of the limit exhaustion information, the terminal 100 may calculate profit for the customer based on the amount used. In this case, the server 200 may support the terminal 100 to calculate customer revenue according to the amount of money used. In addition, the terminal 100 may calculate an expected loss amount based on the default rate according to the credit information of the customer 300 . In this case, the server 200 may support the terminal 100 of the customer 300 to calculate an expected loss based on the default rate according to the credit information.

The expected loss amount can be calculated by calculating the loan loss allowance for the used amount corresponding to at least a part of the limit exhaustion information and the loan loss allowance for the unused amount, which is the portion excluding the used amount of the amount corresponding to the entire limit exhaustion information. .

The allowance for bad debt for the unused amount may be calculated based on the allowance for bad debt calculated for the used amount. For example, the allowance for bad debt for the unused amount may be calculated by multiplying the allowance for bad debt (%) calculated for the used amount by the additional usage rate (CCF). In addition, looking at the expected loss amount in detail, the expected loss amount may be calculated based on the bad debt allowance for the used amount and the bad debt allowance for the unused amount, the internal transfer price, and the education tax.

The terminal 100 may calculate a contribution profit or loss, which is expected profit or loss, based on the customer's profit and expected loss, and display it in the third area. In this case, the server 200 may support the terminal 100 to calculate a contribution profit or loss amount, which is an expected profit or loss, based on the customer's profit and expected loss, and display it in the third area.

The terminal 100 may display an input interface for executing contribution profit/loss inquiry on the fourth area of the screen. In this case, the server 200 may support displaying an input interface for executing contribution profit/loss inquiry on the screen of the terminal 100 .

When a request for executing a contribution profit/loss inquiry is obtained through the input interface, the terminal 100 may calculate expected profit/loss based on the customer fee and the expected loss amount. In this case, the server 200 may support the terminal 100 to calculate the expected profit or loss based on the customer fee and the expected loss amount.

The base exchange rate may be determined differently according to a contract with the customer 300 . For example, the base exchange rate may be selected from among a purchase base exchange rate and a sell base exchange rate.

The bad debt allowance may be calculated by adding the bad debt allowance for the used amount and the bad debt allowance for the unused amount.

The loan loss allowance for the used amount may be calculated based on the default rate according to the credit rating, the loss rate upon default, the contract limit amount, and limit exhaustion information.

As described above, the allowance for bad debt for the unused amount may be calculated by multiplying the allowance for bad debt (%) for the used amount by the additional usage rate (CCF).

Here, the default rate may vary depending on the credit rating, and the loss rate in case of default is for the type of foreign exchange transaction. However, the in-line conversion ratio may be additionally considered when calculating the allowance for bad debts for the opening of the import letter of credit and the foreign currency payment guarantee business.

The amount of contribution profit or loss can be calculated by the difference between the total profit to the customer and the expected loss.

In embodiments, the factors used for calculating the total revenue and expected loss for the export purchase foreign exchange business calculated in the terminal 100 may be stored in the server 200 . Thereafter, when there is a change in customer information among the stored contents or a change in factors used in the calculation, the terminal 100 determines the contents of the change among the contents previously stored in the server 200 (customer information and/or By changing only the factors used in the calculation), it is possible to quickly calculate the amount of contribution gains and losses for export purchase foreign exchange operations.

The total return to the customer of the export purchase foreign exchange business can be calculated based on the amount to be used by the customer 300, the customer commission rate, and the standard exchange rate as shown in [Equation 3] below.

[Equation 3]

Total revenue to customer = Amount customers will spend * Customer commission rate * Base exchange rate * * 365/360

The expected loss amount of the export purchase foreign exchange business can be calculated based on the bad debt allowance, internal transfer price and education tax as shown in [Equation 4] below.

[Equation 4]

Expected Loss = Provision for bad debts + internal transfer price + education tax

The internal transfer price may be calculated based on the amount to be used by the customer 300, the internal transfer rate, and the standard exchange rate as shown in [Equation 5] below.

[Equation 5]

Internal Transfer Price = Amount Customer Will Spend * Internal Transfer Rate * Base Exchange Rate

Here, the internal transfer rate may be determined differently depending on the contents of the business. For example, the main server 200 may store a mapping table in which the internal interest fee is determined according to the period and currency of the execution fund, and the user terminal 100 loads the internal transfer rate from the main server 200 to can be used

In embodiments, the amount of contribution profit or loss of the import letter of credit opening operation may be calculated by subtracting the expected loss amount of the import letter of credit opening operation from the total revenue of the import letter of credit opening operation.

The total revenue to the customer of the import letter of credit opening operation may be calculated based on the amount to be used by the customer 300, the customer commission rate, and the standard exchange rate as shown in [Equation 6] below.

[Equation 6]

Total customer revenue = Amount customers will spend * Customer commission rate * Base exchange rate * 365/360

Here, the customer commission rate may mean an opening commission rate, and the opening commission rate may be determined based on 365 days.

The expected loss amount for the import letter of credit opening business can be calculated based on the bad debt allowance and education tax as shown in [Equation 7] below.

[Equation 7]

Estimated Loss = Loan Loss Provision + Education Tax

At this time, among the factors used to calculate the bad debt allowance, the balance-of-use ECL may additionally consider the in-balance rate.

In embodiments, the factor used for calculating the total revenue to the customer of the letter of credit opening operation calculated in the terminal 100 and the estimated loss amount may be stored in the server 200 . Thereafter, when there is a change in customer information among the stored contents or a change in factors used in the calculation, the terminal 100 determines the contents of the change among the contents previously stored in the server 200 (customer information and/or By changing only the factors used in the calculation), it is possible to quickly calculate the contribution gain or loss amount for the L/C opening business.

In embodiments, the amount of contribution profit or loss of the foreign currency payment guarantee service may be calculated by subtracting the expected loss amount of the foreign currency payment guarantee service from the total customer revenue of the foreign currency payment guarantee service.

The total revenue for the customer of the foreign currency payment guarantee service may be calculated based on the amount to be used by the customer 300, the customer commission rate, and the standard exchange rate as shown in [Equation 5] below.

[Equation 8]

Total revenue to customers = Amount customers will spend * Customer commission rate * Base exchange rate * 365/360

Here, the customer commission rate may be a payment guarantee commission rate.

The expected loss of the foreign currency payment guarantee service can be calculated in the same way as in [Equation 8] above.

In embodiments, the factors used for calculating the total revenue to customers and the expected loss of the foreign currency payment guarantee service calculated in the terminal 100 may be stored in the server 200 . Thereafter, when there is a change in customer information among the stored contents or a change in factors used in the calculation, the terminal 100 determines the contents of the change among the contents previously stored in the server 200 (customer information and/or By changing only the factors used in the calculation), it is possible to quickly calculate the amount of contribution gain or loss for foreign currency payment guarantee business.

In addition, the method and apparatus 1000 for estimating foreign exchange gains and losses may consider various incidental gains and losses. For example, if the customer 300 has an amount deposited in a financial company, the customer 300 considers the internal transfer price for the deposited amount, interest to be paid to the customer 300, deposit insurance premium, reserve ratio, etc. Accurate foreign exchange gains and losses can be estimated. In addition, the terminal 100 may calculate profit or loss (eg, interest income, non-interest income, etc.) according to foreign exchange transactions and accompanying transactions for a predetermined period of time. The terminal 100 may display the calculated profit and loss on the fifth area of the screen. In this case, the server 200 may support the terminal 100 to calculate and display profit and loss.

In embodiments, when import and/or export performance information of a company subject to foreign exchange transactions is input, the terminal 100 calculates an amount that can be agreed to a limit according to the type of foreign exchange transaction and displays it in a sixth area of the screen of the terminal 100. can be displayed The server 200 may support the terminal 100 to calculate and display a maximum contract amount according to the type of foreign exchange transaction when import and/or export performance information of a company subject to foreign exchange transaction is input.

Although the terminal 100 is shown in a desktop form in FIG. 2 , terminals that can be used as the terminal 100 are not limited thereto and may be various. For example, the terminal 100 may include various terminals capable of communicating with the server 200, such as a smart phone, a tablet PC, and a laptop computer. The server 200 may be electrically connected to the terminal 100 . The terminal 100 and the server 200 may exchange data with each other. That is, various terminals may be used within a range in which the terminal 100 can exchange data with the server 200 .

3 to 5 are diagrams illustrating embodiments of screens displayed on a terminal included in the apparatus for estimating foreign exchange transaction profit and loss of FIG. 2 .

Referring to FIGS. 2 and 3 , FIG. 3 may correspond to a diagram illustrating an example of an export exchange bill purchase transaction displayed on the terminal 100 . To estimate foreign exchange gains and losses, enter the company name (won-i trade), select the type of business (export) and transaction subject to limit (purchase of export bills in the form of a letter of credit), enter the contract limit amount (1,000,000 USD), and the number of settlement days (90 days), and the expected average consumption rate (75%) can be entered. After that, the foreign exchange profit and loss estimation method may input the customer's credit rating. At this time, the customer's credit rating may be automatically loaded when the company name is entered. Afterwards, the foreign exchange profit/loss estimation method can estimate the amount of contribution loss through inquiry of contribution profit/loss after inputting the customer service fee (2.53375%). At this time, factors necessary for calculating the bad debt allowance may be automatically input.

Referring to FIGS. 2 and 4 , FIG. 4 may correspond to a diagram illustrating an example of an import L/C opening transaction displayed on the terminal 100 . For the foreign exchange profit and loss estimation method, select the business category (income) and the transaction subject to the limit (opening a letter of credit at sight) for corporation A, enter the contract limit amount (1,000,000 USD), enter the number of payment days (30 days), You can enter the average burnout rate (70%) and credit rating (4B). At this time, the credit rating (4B) can be automatically loaded when the company's real name number is entered. After that, the foreign exchange profit and loss estimation method can calculate the amount of contribution profit and loss after entering the fee (opening fee 1.2%). At this time, factors necessary for calculating the loan loss provision may be automatically input.

Referring to FIGS. 2 and 5 , FIG. 5 may correspond to a diagram illustrating an example of a foreign currency payment guarantee opening transaction displayed on the terminal 100 . For the foreign exchange profit and loss estimation method, select the business category (foreign currency payment guarantee) and limit target transaction (other foreign currency payment guarantee) for corporation A, enter the contract limit amount (1,000,000 USD), enter the number of settlement days (365 days), , You can enter the expected average burnout rate (70%) and enter the credit rating (4B). After that, the foreign exchange profit and loss estimation method can calculate the amount of contribution profit and loss after inputting the fee (opening fee 2.2%). At this time, factors necessary for calculating the bad debt allowance may be automatically input.

The present invention relates to a foreign exchange transaction profit and loss estimating method and a foreign exchange transaction profit and loss estimating apparatus that can be used by various companies including financial companies for estimating foreign exchange profit and loss.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention without departing from the spirit and scope of the present invention described in the claims below. you will understand that you can

1000: foreign exchange transaction profit and loss estimation device 100: terminal
200: server 300: user

Claims (20)

In the method in which the device estimates and provides profit and loss due to foreign exchange transactions,
(a) (i) a process for displaying or supporting a display of a first interface for inputting information on a limit amount agreed between a customer and a financial institution according to a foreign exchange transaction in a first area of the device or a terminal communicating therewith; and (ii) the above performing a process of displaying or supporting display of a second interface for inputting limit exhaustion information indicating how much of the contracted limit amount to be used in a second area of the device or terminal;
(b) If the contract limit amount information and the limit exhaustion information are input, a process for calculating or supporting the calculation of customer profit according to the amount used when the customer uses an amount corresponding to at least a part of the limit exhaustion information, and the customer performing a process of calculating or assisting in calculating an expected loss amount based on a default rate according to credit information of ; and
(c) calculating or assisting to calculate an expected profit or loss based on the customer's profit and the expected loss, and displaying or supporting display in a third area of the device or terminal;
In the step (b), the expected loss is based on the bad debt allowance for the used amount corresponding to at least a part of the limit exhaustion information and the unused amount of the amount corresponding to the entire limit exhaustion information, excluding the used amount. The allowance for bad debts is calculated and calculated respectively,
The expected loss amount is calculated based on a bad debt allowance for the used amount and a bad debt allowance for the unused amount, an internal transfer price, and an education tax,
The customer revenue is calculated based on the usage amount, customer fee, and standard exchange rate,
The contract limit amount and the limit exhaustion information,
It is about the amount to be used for a certain period of time, not at a specific point in time,
The above limit exhaustion information,
Information on the average consumption amount to be used during the predetermined period within the contract limit amount,
It is characterized in that the expected profit or loss can be calculated for the predetermined period, rather than calculating the expected profit or loss based on the balance at a specific point in the past,
The customer revenue is
If there is a difference in the transaction settlement period between overseas countries and Korea,
The profit difference due to the difference in settlement period between the overseas country and Korea is corrected based on the settlement period in Korea by multiplying the usage amount by the settlement period ratio between the overseas country and Korea in consideration of the country to which the customer belongs. is produced,
The customer revenue is characterized in that it is calculated based on Korea's indicators through the Korean settlement period and the reference exchange rate,
The settlement period ratio is a ratio (P2/P1) of the settlement period (P2) in Korea to the settlement period (P1) in foreign countries. delete delete According to claim 1,
The allowance for bad debts for the unused amount is,
Characterized in that it is calculated based on the loan loss allowance calculated for the amount used, foreign exchange transaction profit and loss estimation method. According to claim 1,
The allowance for bad debts for the unused amount is,
Characterized in that it is calculated by multiplying the loan loss allowance calculated for the amount used by the additional utilization rate (CCF), foreign exchange transaction profit and loss estimation method. delete delete According to claim 1,
In step (a),
The terminal is a bank branch terminal,
The contract limit amount information and the limit exhaustion information are input through the bank branch terminal,
The foreign exchange transaction profit and loss estimation method,
After step (b),
(b2) further comprising displaying or supporting display of an inquiry interface for executing a contribution profit/loss inquiry in a fourth region of the bank branch terminal screen;
When a request to execute a contribution profit or loss inquiry is obtained through the inquiry interface, the expected profit or loss is calculated or supported to be calculated based on the customer fee and the expected loss amount. According to claim 1,
If existing transaction information or credit information for said customer is not available;
Characterized in that at least some of the contract limit amount and the limit exhaustion information are provided using at least one of transaction information and credit information for an existing customer classified as a similar type to the customer. According to claim 1,
In step (b),
Further comprising the step of providing or providing support to read out the information on the contract limit for foreign exchange transactions actually made during the predetermined period and the limit exhaustion information according to the use of the amount during the period from the database to be automatically entered, or to provide support. How to estimate trading profit and loss. According to claim 1,
Calculate or support to calculate the profit or loss according to the foreign exchange transaction and accompanying transaction for a predetermined period, and support to calculate or calculate the total profit or loss by automatically adding it to the expected profit or loss, and display or display it in the fifth area of the device or terminal characterized in that it further comprises the step of supporting to do, foreign exchange transaction profit and loss estimation method. According to claim 1,
When the import and/or export performance information of the company subject to foreign exchange transactions is entered, calculating or supporting the calculation of an amount that can be agreed upon according to the type of foreign exchange transaction, and displaying or supporting the display in the sixth area of the device or terminal is further performed. A method for estimating foreign exchange transaction profit and loss, characterized in that it comprises. In the apparatus for supporting profit and loss estimation according to foreign exchange transactions,
(i) A process for displaying or supporting display of a first interface for inputting information on a limit amount agreed upon between a customer and a financial institution according to a foreign exchange transaction in a first area of the device or a terminal communicating with the device, and a second interface of the device or terminal an interface unit displaying a second interface for inputting limit exhaustion information indicating how much of the contract limit amount to be used in the area, or performing a process for supporting display; and
When the contract limit amount information and the limit exhaustion information are input, when the customer uses an amount corresponding to at least a part of the limit exhaustion information, a process for calculating or supporting the calculation of customer profit according to the amount used and credit information of the customer Including a control unit that performs a process of calculating or supporting the calculation of an expected loss amount based on the default rate according to,
The control unit,
Calculate or support to calculate an expected profit or loss based on the customer profit and the expected loss amount, and display or support display in a third area of the device or terminal through the interface unit;
The expected loss amount is calculated by calculating the loan loss allowance for the used amount corresponding to at least a part of the limit exhaustion information and the bad debt allowance for the unused amount, which is the part excluding the used amount among the amount corresponding to the entire limit exhaustion information calculate,
The expected loss amount is calculated based on the loan loss allowance for the used amount and the bad debt allowance for the unused amount, the internal transfer price, and the education tax,
The customer revenue is calculated based on the usage amount, customer fee, and standard exchange rate;
The contract limit amount and the limit exhaustion information,
It is about the amount to be used for a certain period of time, not at a specific point in time,
The above limit exhaustion information,
Information on the average consumption amount to be used during the predetermined period within the contract limit amount,
It is characterized in that the expected profit or loss can be calculated for the predetermined period, rather than the expected profit or loss calculated based on the balance at a specific point in the past,
The customer revenue is
If there is a difference in the transaction settlement period between overseas countries and Korea,
The profit difference due to the difference in settlement period between the overseas country and Korea is corrected based on the settlement period in Korea by multiplying the usage amount by the settlement period ratio between the overseas country and Korea in consideration of the country to which the customer belongs. is produced,
The customer revenue is characterized in that it is calculated based on Korea's indicators through the Korean settlement period and the reference exchange rate,
The settlement period ratio is a ratio (P2/P1) of the settlement period (P2) of Korea to the settlement period (P1) of the foreign country. The method of claim 13, wherein the expected loss amount,
A bad debt allowance for the used amount corresponding to at least a part of the limit exhaustion information and a bad debt allowance for the unused amount, which is the part excluding the used amount among the amount corresponding to the entire limit exhaustion information, are calculated and calculated, respectively. A device that supports profit and loss estimation according to foreign exchange transactions. According to claim 14,
The allowance for bad debts for the unused amount is,
Apparatus for supporting profit and loss estimation according to foreign exchange transactions, characterized in that calculated on the basis of the allowance for bad debts calculated for the amount used. delete delete According to claim 13,
If existing transaction information or credit information for said customer is not available;
Profit and loss estimation according to foreign exchange transactions, characterized in that at least some of the contract limit amount and the limit exhaustion information are provided using at least one of transaction information and credit information for existing customers classified as similar types to the customer device that supports it. According to claim 13,
The control unit,
Profit loss estimation according to foreign exchange transactions, characterized by providing or providing support to automatically enter contract limit amount information for foreign exchange transactions actually made during a predetermined period and limit exhaustion information according to the use of amounts during the same period from a database device that supports it. According to claim 13,
The control unit,
Calculate or support to calculate the profit or loss according to the foreign exchange transaction and accompanying transaction for a predetermined period, and support to calculate or calculate the total profit or loss by automatically adding it to the expected profit or loss, and display it on the fifth area of the screen of the device or terminal An apparatus for supporting profit and loss estimation according to foreign exchange transactions, characterized in that it supports to display or display.

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