KR20020087299A - Method for providing foreign exchange services - Google Patents

Abstract

PURPOSE: A foreign exchange service method is provided to reduce the time and the manpower for a money transfer and to efficiently operate the foreign money capital by inquiring a foreign money transaction and the transaction particulars through a communication network mutually connecting a company with a bank. CONSTITUTION: A document for a foreign money transfer request is written by a terminal installed to a related department of the company and is received through the communication network(30). After checking the truth of the received document, the reception is informed to the related department(31). After inquiring the transfer request particulars, a payment report and a computation process for the money transfer is carried out(32-34). The transfer money and a commission are automatically withdrawn from an appointed account by commanding the money transfer and a payment order is sent to a payment bank(35). After checking the money transfer particulars, the result data is transmitted to the terminal of the company in order to inform the result of the money transfer(38).

Description

How to provide foreign exchange services {Method for providing foreign exchange services}

The present invention relates to a method for providing a foreign exchange service, and more particularly, to a method for providing a foreign exchange service such as remittance, deposit, and transfer of foreign currency through an interconnected communication network between a company and a bank. will be.

In general, foreign exchange transactions are transactions between individuals or corporations and banks, including foreign currency exchange, deposits and remittances.

In order to transfer foreign currency to an individual or a company, the bank will prepare and submit the necessary documents to the bank, and will be notified of the result after the bank's remittance process, that is, withdrawal and remittance from the account.

For example, the foreign currency remittance process performed in the enterprise will be described with reference to FIG. 1.

When the company's business department (3) applies the necessary funds to the finance team (1) through the accounting department (2), the fund team (1) transfers the funds to the account through the bank (4). The business department (3) submits the remittance application to the bank (4), submits the slip to the accounting department (2), receives the transfer certificate, submits it to the bank (4), and receives the receipt. At this time, the fee is settled, and the settled fee is transferred to the funding team (1) through the accounting department (2).

However, the conventional foreign currency remittance method made as described above requires a lot of time and manpower for remittance because it has to go through a bank visit for the foreign currency payment and a complicated payment process inside the company, and the operation of foreign currency funds has an inefficient operation.

Accordingly, an object of the present invention is to provide a foreign exchange service providing method that can solve the above-mentioned disadvantages by enabling the inquiries of foreign exchange transactions and transaction history through the interconnected communication network between the company and the bank.

The method for providing a foreign exchange service according to the present invention for achieving the above object comprises the step of receiving a full text transfer application through a terminal installed in a business unit of a company, receiving a written message through a communication network connected to the terminal; After confirming the authenticity of the application for the transfer of foreign currency remittances received, notifying the receipt of the specialists to the business department of the enterprise, inquiring the specification of the transfer application, making a payment report and performing computer processing for remittance; After inputting the necessary items in the foreign currency remittance form provided through each order, the remittance processing is ordered so that the remittance amount and fee are automatically withdrawn from the withdrawal designated account and the payment order is sent to the corresponding settlement bank. In order to notify the remittance result, transfer the remittance result data to the terminal of the company. Characterized in that it comprises a step of sending.

Another embodiment of the method for providing a foreign exchange service according to the present invention comprises the step of receiving a full text of the application for opening a regular deposit of a foreign currency through a terminal installed in a business unit of a company, receiving a written text through a communication network connected to the terminal, and Confirming the authenticity of the application for the opening of a new foreign currency periodic deposit application, and notifying the receptionist of the specialist to the business department of the enterprise; Instructing the company to open a new deposit account through the terminal to open a new foreign currency deposit account and automatically deposit the deposit amount from the withdrawal designated account to the opened account, and confirm the deposit processing details and notify the deposit processing result. Transmitting the deposit processing result data to the server of the deposit; In addition to automatic termination, the principal and interest from the time deposit account is automatically withdrawn and deposited into the company's withdrawal designated account, and transmitting the termination result data to the company's server to notify the termination. do.

Another embodiment of the forex service providing method according to the present invention is to register a predetermined withdrawal designated account in its own server according to the request of the company, so that the full account transfer application is prepared through the terminal installed in the business department of the enterprise And receiving a written message through a communication network connected to the terminal, confirming the authenticity of the received bank transfer application letter, and notifying the receipt of the written message to the business department of the company, and the foreign currency to the account required by the company. After the transfer of money and complete the account transfer, the transfer processing result data to the server of the enterprise to notify the transfer result is characterized in that it comprises a step.

Another embodiment of the forex service providing method according to the present invention comprises the steps of inquiring forex transaction information of the account pre-registered in the server, and providing the inquired transaction information to the terminal of the company connected through the communication network It features.

1 is a flowchart illustrating a conventional foreign currency remittance process.

2 is a structural diagram of a computer network for providing a foreign exchange service of the present invention.

3 is a flowchart illustrating a forex service preparation process of the present invention.

4 is a flowchart illustrating a method for providing a foreign currency remittance service according to the present invention.

5 is a flowchart illustrating a method for providing a foreign currency money management service according to the present invention.

6 is a flowchart illustrating a method of providing a bank transfer service according to the present invention.

7 is a flowchart illustrating a transaction information transmission service providing method according to the present invention.

<Short description of the symbols in the drawings>

10: enterprise server 11: business unit terminal

20: bank server 21: terminal of the bank

22: network

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

The foreign exchange service according to the present invention is performed through a communication network interconnected between a company and a bank. In other words, when a company requests to provide a service through a computer network, the bank processes the information and notifies the company of the processing.

For example, as shown in FIG. 2, a server 10 of an enterprise to which a terminal 11 of a business unit is connected and a server 20 of a bank to which a terminal 21 is connected may be a value-added network (VAN) or an Internet network. Is connected via a communication network.

In addition, in order for a company to receive foreign exchange services from a bank, as shown in FIG. 3, a company enters into a usage contract (step 71) through a consultation (step 70). Then, the data format of the company is changed according to the service provided by the bank (step 72), and a program for managing data input and transaction information is prepared (step 73). After that, the computer data exchange and transaction processing are tested (step 74), and then applied to actual work (step 75).

Foreign exchange services provided in accordance with the present invention include: 1) foreign currency remittance services for foreign currency remittance services of enterprises, 2) foreign currency money management services for foreign currency deposit management of enterprises, 3) account transfer services for foreign currency account transfers, and 4 ) It is divided into transaction information transmission service to easily know transaction information of the corresponding account.

1) Foreign currency remittance service

In the foreign currency remittance service, a company that has entered into a contract using a consultation transmits a specialized foreign remittance application details to the bank, and the bank receives the necessary data, inputs necessary data, and automatically withdraws the remittance amount and fee from the designated withdrawal account. Remittance to foreign banks or domestic banks, and the step of notifying the transaction details to the company through the computer network, which will be described in detail with reference to FIG.

If a certain form of foreign currency remittance transfer application is provided through the terminal 11 installed in the company's business department, the person in charge of the bank inputs the required data in the relevant field and completes the foreign currency remittance transfer application completed through the communication network 22. Send to server 20 (step 30).

The server 20 of the bank confirms the authenticity of the received foreign currency transfer application, and then notifies the business department of the enterprise to receive the foreign currency transfer application. At this time, if the company wants to cancel the application for transfer of foreign currency remittance, it must receive the full application for cancellation before the bank transfer process.

After the bank inquires the transfer application specification (step 32), the bank makes a payment report (step 33) and performs a computer processing for remittance (step 34). At this time, the step 32 checks the country code, the current status of the beneficiary bank, the reason for payment, the conditions of the import declaration, etc. In the step 33, the printing and payment of the transfer application for foreign currency transfer, the verification of the payment report related documents, In the step 34, the transaction details on the foreign currency remittance specification (payment application), the preferential exchange rate of the withdrawal designated account, and the input of the diesel bank are checked.

When the computer processing for the remittance is completed, the person in charge of the bank inputs the required items, the optional items, and the changed items into the foreign currency remittance form provided through the terminal 21, and instructs the remittance processing to remit the remittance amount and fee from the withdrawal designated account. At the same time it will be automatically withdrawn and a payment order (P / O) will be sent to the settlement bank (step 35).

Thereafter, the person in charge of the bank produces foreign exchange slips (for banks) on a case-by-case basis to check the remittance processing details, completes the payment of the responsible person, and if necessary, produces a payment order (P / O) for follow-up management (step 37). Then, the transfer processing result data is transmitted to the server 10 of the enterprise in order to notify the transfer processing result (step 38).

2) Foreign currency fund management service

The foreign currency money management service allows a company that has entered into a contract of use to inquire the foreign currency balance of a designated withdrawal account and open a new deposit account to deposit the balance. In addition, when the term of the deposit is expired, the deposit and interest will be automatically deposited into the designated account by automatic termination. The process of providing the foreign currency money management service of the present invention will be described in detail with reference to FIG. 5 as follows.

The foreign currency balance of the designated withdrawal account is inquired using the terminal 11 installed in the business department of the enterprise (step 40). Then, after inputting the required data into the corresponding field of the application for opening a new form of foreign currency periodic deposits provided through the terminal 11, the bank's server (communication) completes the application for opening a new application of the periodic deposits. 20) (step 41). In this case, the requested data includes items related to the withdrawal designated account, the deposit currency and amount, and the deposit period.

The server 20 of the bank confirms the authenticity of the application for newly opening a foreign currency periodic deposit application and notifies the reception of the specialist to the business department of the enterprise (step 42). At this time, if the company wants to cancel the application for opening a new deposit, the full application for cancellation must be received before opening the bank account.

The bank inquires the application for the application for the opening of the new deposit (step 43) and then performs a computer processing for opening a new account (step 44). At this time, mandatory input items and arbitrary input items are entered. The mandatory input items include items relating to trading partners, serial numbers received, currency, foreign currency amount, etc., and optional input items include preferential interest rates and interest rates (%). , Items relating to preferential interest rate approval numbers and date of settlement.

When the computer processing is completed, the bank representative instructs a new opening by using the terminal 21. Accordingly, a new foreign currency periodic deposit account is opened, and the deposit amount automatically debited from the withdrawal designated account is deposited into the opened account. (Step 44).

Thereafter, the person in charge of the bank produces a foreign exchange slip (for banking), checks the deposit processing history, finishes the payment of the responsible person, and sends the deposit processing result data to the corporate server 10 to notify the deposit processing result (step 45). ).

When the due date of the settled deposit is reached, the deposit (principal) and interest are automatically withdrawn from the depository deposit account and deposited into the company's withdrawal designated account (step 46) with the automatic termination of the deposit (step 46). The termination processing result data is transmitted to (10) (step 47). This process is handled by the server 20 of the bank.

3) Foreign currency account transfer service

Foreign currency account transfer service is a supplementary service of the foreign currency money management service.If a company that has a contract of use draws out a foreign currency from a designated withdrawal account and requests a transfer to a predetermined account, the bank receives it and automatically transfers the result to the computer network. It is a service to notify companies through. The process of providing the foreign currency account transfer service of the present invention will be described in detail with reference to FIG. 6 as follows.

When the company requests the bank to register the withdrawal designated account, the bank registers the withdrawal designated account requested by the company in its server 20. In this case, it is possible to designate a plurality of withdrawal designated accounts, but it is advantageous to designate and hold one for each currency for efficient fund management and business convenience.

After the withdrawal designated account is registered, the company prepares a certain form of bank transfer application using the terminal 11 installed in the business department, and then prepares the completed bank transfer application through the communication network 22 of the server 20 of the bank. (Step 50).

The server 20 of the bank confirms the authenticity of the received bank transfer application and notifies the reception of the specialist to the business department of the company (step 42).

Thereafter, after depositing foreign currency into the account requested by the company to complete the transfer, the transfer processing result data is transmitted to the server 10 of the company to notify the transfer result (step 52). At this time, if the company has to bear the usage fee set by the bank, the bank transfer fee is charged to the company.

4) Forex transaction information transmission service

Forex transaction information transmission service is a service that a bank that receives a transaction request through the communication network connected to the bank, the bank receives the information and analyzes the account, and informs the company of the results through the computer network. The process of providing the foreign exchange transaction information transmission service of the present invention will be described in detail with reference to FIG. 7.

In order to receive the foreign exchange transaction information transmission service, a usage fee must be added as determined by the bank, and for this purpose, registration of an account for withdrawal of the fee is required. Therefore, the company registers an account for providing transaction information transmission service and an account for withdrawal of fees to the server 20 of the bank in advance.

Foreign exchange transaction information transmission services include (a) notification of receipt of payment orders, (b) notification of foreign currency deposit and withdrawal, and c) notification of deposit balance.

A) Notification Service for Receipt of Order of Payment (P / O)

When a payment order (P / O) is received from the domestic or foreign bank to the bank's server 20 (step 60), the receipt account described in the payment order (P / O) is used, that is, whether it is a registered designated account. Confirm (step 61).

If the receipt account described in the payment order (P / O) is the designated account, the entire foreign currency arrival notification message is transmitted to the server 10 of the enterprise to notify the arrival of the foreign currency (step 62).

B) Foreign currency deposit and withdrawal details notification service

The bank's server 20 checks the deposit and withdrawal details of the registered account at a predetermined time unit or transaction change point, and transmits the full deposit and withdrawal transaction specification to the server 10 of the company.

C) Deposit Balance Notification Service

When the company requests a balance inquiry for a designated account using the terminal 11 installed in the business department, the server 20 of the bank inquires the balance of the requested account and sends the full balance inquiry specification to the server 10 of the company. send.

The foreign exchange service made as described above encrypts the computer data transmitted between the company and the bank by using a decode code to secure transaction stability, and goes through the steps of verifying the authenticity of the received text.

As described above, the present invention enables the exchange of foreign currency transactions such as remittance, deposit, and transfer of foreign currency and foreign exchange transaction information for a pre-registered account through a communication network connected between a company and a bank.

Therefore, if the present invention is applied, firstly, foreign currency funds distributed to other parties can be concentrated according to the operation of an effective computer system, and efficient operation of foreign currency is possible, and second, cost and manpower related to foreign exchange transactions are reduced, and third, In addition, stable and efficient foreign currency funds are managed. Fourth, transaction security is secured by the transmission of encrypted texts using replay codes, and foreign exchange transaction information can be securely managed.

Claims (13)

Allowing the foreign currency remittance transfer application to be completed through a terminal installed in a business unit of an enterprise, and receiving the written message through a communication network connected to the terminal; Confirming the authenticity of the received foreign currency transfer transfer application and notifying the reception of the specialist to the business department of the enterprise; Inquiring the details of the transfer application, making a payment report and performing a computer processing for remittance; Inserting the necessary items into the foreign currency remittance form provided through the terminal, and instructing the remittance processing to automatically withdraw the remittance amount and fee from the withdrawal designated account and to send the payment order to the corresponding settlement bank; And transmitting the remittance processing result data to the terminal of the enterprise in order to notify the remittance processing result after checking the remittance processing details. The method of claim 1, The transfer application specification includes a country code, the current status of the beneficiary bank, the reason for payment, the conditions of the import declaration. The method of claim 1, The payment report includes the steps of printing and payment of the transfer application for foreign currency transfer, Forex service providing method characterized in that through the step of confirming the payment notification related documents. The method of claim 1, The computerized processing for the remittance step is to confirm the transaction details on the foreign currency remittance specification, Steps to check whether the withdrawal designated account is preferential Forex service providing method characterized in that through the step of checking the input of the diesel bank. Making a full-time application for opening a new regular deposit of foreign currency through a terminal installed in a business unit of an enterprise, and receiving the written message through a communication network connected to the terminal; Confirming the authenticity of the application for newly opening a foreign currency periodic deposit application and notifying the reception of the specialist to the business department of the enterprise; Performing a computer processing process for opening a new account after inquiring the details of the application for the opening of a new depositary deposit; Ordering a new opening through the terminal to open a new foreign currency periodic deposit account and deposit the deposit amount automatically debited from the withdrawal designated account to the opened account; Transmitting the deposit processing result data to the server of the company in order to notify the deposit processing result after checking the deposit processing history; When the set expiration date is reached, the principal and interest are automatically withdrawn from the time deposit account and deposited into the company's withdrawal designated account, and the termination processing result data is transmitted to the server of the company to notify the termination. Forex service providing method comprising a. The method of claim 5, And the computer processing is performed by inputting an essential input item and an optional input item. The method of claim 6, The mandatory input items include items relating to transaction date of the counterpart, full serial number, currency, and foreign currency amount, and the optional input items include items related to interest rate preferentiality, applied rate (%), preferential interest rate approval number, and date of settlement. Forex service providing method characterized in that it is included. Registering a withdrawal designated account in its own server at the request of the enterprise; Making a full payment transfer application through a terminal installed in a business unit of an enterprise, and receiving the written message through a communication network connected to the terminal; Confirming the authenticity of the received bank transfer application and notifying the reception of the specialist to the business department of the enterprise; And transferring the transfer processing result data to the server of the enterprise in order to notify the transfer result after depositing foreign currency into the account requested by the company to complete the transfer. The method of claim 8, The withdrawal designated account is forex service providing method characterized in that the registration by one currency. Retrieving the foreign exchange transaction information of the account previously registered in the server; And providing the inquired transaction information to a terminal of a company connected through a communication network. The method of claim 10, The transaction information is a foreign exchange service providing method, characterized in that any one of the receipt of payment orders, deposit and withdrawal details and balance inquiry. The method of claim 10, Inquiry of the transaction information is a method for providing a foreign exchange service, characterized in that made in a certain time unit and trading fluctuation time. The method of claim 10, The transaction information providing method, characterized in that the inquiry of the transaction is made at the request of the company.