KR20070037212A - Foreign currency deposit system being capable of multiple fixed foreign currency deposit and its method therefor - Google Patents

Abstract

The present invention relates to a bank's foreign currency deposit system and method thereof, and more particularly to depositing at least two foreign currency of a customer in a liquid deposit currency used for overseas remittance or import payment into a single foreign currency account of a bank. Set a fixed currency deposit for each deposit, but allow the customer to freely specify its maturity date, and automatically link the foreign currency deposited in the corresponding currency deposit account with the bank's computer network on the maturity date of each deposit. The present invention relates to a foreign currency deposit system and a method capable of multiple foreign currency periodic deposits, which are configured to handle overseas remittance or import payment.

Multiple, foreign currency, term deposit, system, wire transfer, payment of income

Description

Foreign currency deposit system being capable of multiple fixed foreign currency deposit and its method therefor}

1 is a conceptual diagram of a foreign currency deposit according to an embodiment of the present invention,

2 is a block diagram of a foreign currency deposit system according to an embodiment of the present invention,

3 and 4 is a flow chart showing a foreign currency deposit method according to an embodiment of the present invention,

3 is a flowchart of a method of setting up a foreign currency deposit account according to the foreign currency deposit method of the present invention, and FIG. 4 is a flowchart of a method of setting up a foreign currency term deposit using a foreign currency account set in accordance with the present invention.

Explanation of symbols on the main parts of the drawings

10; Trading terminal

20; Intranet

30; Foreign currency deposit management server

31; Customer database 32; Account database

33; Remittance database 34; Income billing database

40; Foreign Money Transfer Module

50; Import payment module

The present invention relates to a bank's foreign currency deposit system and method thereof, and more particularly to depositing at least two foreign currency of a customer in a liquid deposit currency used for overseas remittance or import payment into a single foreign currency account of a bank. Set a fixed currency deposit for each deposit, but allow the customer to freely specify its maturity date, and automatically link the foreign currency deposited in the corresponding currency deposit account with the bank's computer network on the maturity date of each deposit. The present invention relates to a foreign currency deposit system and a method capable of multiple foreign currency periodic deposits, which are configured to handle overseas remittance or import payment.

Generally, a foreign currency deposit of a bank refers to a deposit that converts a foreign currency of a won or various currencies into foreign currency of a specific object and transfers it.

These foreign currency deposits are used for the purpose of asset management, for customers who want to invest in foreign currency assets, for the purpose of studying abroad, travel, immigration, etc. for a certain period of time, and for remittance abroad when necessary. It is a financial product necessary for importers who want to process import payments according to the import payment date, and exporters who want to remittance frequently or irregularly.

Foreign currency deposits as described above may be divided into foreign currency ordinary deposits, which are liquid currency deposits in which foreign currency deposits and withdrawals occur from time to time, and foreign currency term deposits, which are regular foreign currency deposits fixed for a predetermined period by designating an expiration date.

Among the above-mentioned regular foreign currency deposits, the conventional foreign currency periodic deposits can only be one periodic deposit with respect to one periodic deposit account, so that a customer with an existing foreign currency term deposit account can open another new foreign currency term deposit. In that case, it was a hassle to prepare the necessary documents again.

In addition, since each foreign currency term deposit account had to be opened in accordance with the corresponding currency (for example, the US dollar, Japanese yen, European euro, etc.), in order to open foreign currency term deposits in other currencies, preparation of various documents as described above There was a problem that required the process.

On the other hand, even in the case of liquid foreign currency deposits, in which foreign currency deposits and withdrawals occur from time to time, they remain as balances in the foreign currency deposit account until the time of the need for remittance or the due date for payment of income. There is a problem.

In addition, the foreign remittance period of the foreign currency deposit or the date of payment of imports tends to be concentrated in the afternoon time of the day and at the end of the month in the month, so that the waiting time for the customer's work is increased, causing inconvenience. There was a problem in that the processing time was also delayed due to an increase in the load of related resources such as a computer network.

An object of the present invention, which was devised to solve the above-mentioned problems, is to set at least two foreign currency term deposits in relation to a single foreign currency term deposit account so that foreign currency of different currencies can be deposited together. Increasing the convenience and customer's convenience by maximizing the timely use of the customer's assets and integrating with the bank's computer network the additional services that automatically process overseas remittance or import payments from foreign currency periodic deposit accounts when necessary. The present invention provides a foreign currency term deposit system and a method for efficiently operating the foreign currency.

The configuration of the present invention for achieving the above object is to deposit at least two or more foreign currency of the customer of the liquidity deposit currency subject used for overseas remittance or import payment to multiple banks in a single foreign currency account, each deposit Set up foreign currency term deposits for the case, but allow the customer to freely specify the maturity date, and automatically transfer or import foreign currency deposited into the relevant currency term deposit account on the maturity date of each foreign currency term with the bank's computer network. It is characterized by a foreign currency deposit system and a method capable of multiple foreign currency periodic deposits configured to process payment.

EMBODIMENT OF THE INVENTION Hereinafter, the structure of the Example of this invention is described in detail based on an accompanying drawing.

1 is a conceptual diagram of a foreign currency deposit according to an embodiment of the present invention, Figure 2 is a block diagram of a foreign currency deposit system according to an embodiment of the present invention.

The foreign currency deposit of the present invention allows the foreign currency of the liquidity deposit currency used for overseas remittance or import payment of bank customers to be deposited in at least two multiples in a single foreign currency account of the bank, regardless of the type of currency. In the case of deposits, the customer arbitrarily designates the expiration date to set up a regular deposit in foreign currency.

As shown in the conceptual diagram of FIG. 1, a single foreign currency deposit account is used as a mother account, and each maturity date is sequentially set for each foreign currency deposit within the maturity period of the mother account, which is set as a foreign currency term deposit. In accordance with the time of overseas remittance or import payment of the customer, it is also provided with an additional service that allows the remittance of international remittance or import payment to be automatically made in conjunction with the bank's computer network.

In the example of the drawing, the deposit amount of US $ 10,000 dated August 11, 2005 in a single foreign currency deposit account account is set as the foreign currency term deposit specified by the customer's request 1 month later, and linked with the bank's remittance network after 1 month. The amount of JPY 500,000, which is deposited in sequence, is set as a fixed deposit in foreign currency, with the maturity date set to 45 days, and linked with the bank's import payment computer network after 45 days. The payment of the import payments will be made automatically.

In addition, the maturity date, such as deposit amount EUR 10,000 on September 8, and deposit amount GBP 5,000 on September 12, 2005, may be set as pure foreign currency deposit only without interlocking with additional services such as automatic wire transfer or automatic payment of imports. In such a case, when the maturity date is reached, repayment of the deposited principal and interest payment for that period are made.

Accordingly, the customer can freely designate the expiration date of the deposit in a single foreign currency account by the customer's choice for a liquid foreign currency fund that can be made regularly or irregularly as described above. The interest can be set as a fixed currency deposit in foreign currency, and can also combine the advantages of saving-type deposits, which can be freely deposited within the period of the mother's account, depending on the needs of the customer. Maximize customer asset management,

As long as there is no change of the customer's information, documents submitted for the first time at the time of setting up the mother account are simplified for the submission of various necessary documents generated by unnecessarily depositing the regular foreign currency deposits for the multiple foreign currency deposits within the single mother account,

In addition, you can designate the date of overseas remittance or import payment of the customer as the expiration date, so that the remittance or import payment can be automatically processed at the due date. In the afternoon and the month, it tends to be concentrated at the end of the month. As in the embodiment of the present invention, the foreign exchange transaction is imported and settled in the morning or early month of the maturity date of the foreign currency deposit, so that the bank can efficiently manage related resources such as computer networks. To have.

Meanwhile, the bank may limit the number of foreign currency term deposits that may be set in a single mother account as a specific number or separately limit the subscription period of the foreign currency term deposits, which are set in a single mother account. The number of foreign currency periodic deposits set through the bank is limited to 50, and the subscription period of the foreign currency periodic deposits can be set in units of days from one month to 24 months. It was.

Next, with reference to FIG. 2, the structure of this invention system is demonstrated in detail.

The foreign currency deposit system of the bank of the present invention includes a transaction terminal 10 for a financial transaction for inputting foreign currency deposit related request information through an intranet 20 which is a bank backbone network;

Create a foreign currency deposit account to be connected to the intranet 20 and transfer foreign currency of a customer of a liquidity deposit currency subject to foreign remittance or import payment according to foreign currency deposit related request information transmitted from the transaction terminal 10; The foreign currency to be transferred is exchanged into the foreign currency to be credited according to the transfer conditions, and transferred to the foreign currency deposit account,

A foreign currency deposit management server 30 which sets the foreign currency deposit account as a mother account and sets at least two foreign currency term deposits, which the customer has specified an expiration date, to the foreign currency deposit account;

Databases 31, 32, 33, 34, in which the information processed by the foreign currency deposit management server 300 is stored and maintained for each type;

The foreign currency remittance management server 30 is configured to include a foreign currency remittance module 40 and an import payment module 50 for processing additional services of overseas remittance or import payment processing.

Here, the foreign currency deposit management server 30 according to an embodiment of the present invention sets the transfer condition of the foreign currency exchange for the liquidity deposit of the customer and applies it when creating an account of the foreign currency deposit, the subject of deposit, Transfer conditions are set for customers, maturity date, deposit currency, limit amount of deposit amount, applicable interest rate, split termination conditions, maximum number of deposits in foreign currency term deposits, interest payment method, intermediate termination rate, and post-expiration rate.

In addition, the foreign currency deposit management server 30 sets the additional service conditions such as whether the foreign remittance or import payment processing and the amount of the remittance or the payment amount for each foreign currency periodic deposit deposited in the foreign currency deposit account, According to the terms of service, the foreign currency deposited in the foreign currency periodic deposit account on the maturity date of the foreign currency periodic deposit is automatically processed in connection with the bank's computer network to handle overseas remittance or import payment.

In addition, the foreign currency deposit management server 30 processes the foreign currency deposit-related financial transaction process requested from the transaction terminal 10, and then updates the updated information according to the processed database (31, 32, 33, 34). Store it in and maintain it.

The customer database 31 stores and maintains personal information about the customer of the foreign currency periodic deposit generated by the foreign currency deposit management server 30.

The account database 32 includes account information of the foreign currency term deposit generated by the foreign currency deposit management server 30, total balance information of the corresponding account, balance information of each foreign currency term deposit set in the account, and each foreign currency term deposit. Information on the above transfer conditions (deposited subjects above, customers, maturity date, deposit currency, limit amount of deposit amount, applicable interest rate, split termination condition, maximum number of deposits of foreign currency periodic deposits, interest payment method, middle termination interest rate, after maturity) Information about interest rates), etc., is stored and maintained.

The remittance database 33 provides information on whether to set up an additional service for overseas remittance of each foreign currency periodic deposit set in the foreign currency deposit account stored in the account database 32, the amount of foreign currency remitted abroad, the remittance date, and the remittance destination. Store and maintain remittance information.

The import payment database 34 includes information on whether to set up an additional service of import payment of each foreign currency periodic deposit set in the foreign currency deposit account stored in the account database 32, the foreign currency amount and the import payment date and payment of the imported payment. Stores and maintains information on import payments, such as locations.

On the other hand, the transaction terminal 60 is a computer terminal, a wired / wireless phone running a CD device, a bank employee terminal or an overall solution for Internet banking, which is linked to the intranet 20 of the bank's main network. And any terminal where a customer or a bank employee can conduct a financial transaction on a customer's bank account.

     Various technologies necessary for normal bank transactions such as physical interface, communication network, database management method and security / authentication between the components are implemented by techniques known by those skilled in the art, and thus detailed description thereof will be omitted. do.

Hereinafter, a method of depositing foreign currency according to an embodiment of the present invention will be described with reference to FIGS. 3 and 4.

3 is a flowchart of a method for setting up a foreign currency deposit account according to the foreign currency deposit method of the present invention.

First, through the transaction terminal 10 connected to the intranet 20 which is the bank backbone network, information on the amount of the foreign currency of the customer to be transferred and information requesting the generation of the foreign currency deposit account to be transferred are transmitted to the foreign currency deposit management server 30. (Step S 301).

The foreign currency deposit management server 30 that has received the information requesting the creation of the foreign currency deposit account determines whether the foreign currency of the customer to be transferred to the foreign currency deposit is a depositable currency (step S302). If it is determined that the currency can be deposited, the foreign currency deposit management server 30 generates a foreign currency deposit account of the customer (step S303), and transfers the foreign currency of the customer to be transferred to the generated foreign currency deposit account (step S304). At this time, the method of transfer may use a method of direct deposit of foreign currency cash through the transaction terminal 10 or the transfer of accounts from another foreign currency deposit account of the customer.

Next, when the customer's foreign currency is transferred to the foreign currency deposit account, the foreign currency deposit management server 30 information on the foreign currency transfer conditions set in the server (deposit subjects, customers, maturity date, deposit currency, the amount of deposit amount, the applicable interest rate) , The termination conditions of splitting, the maximum number of deposits of foreign currency periodic deposits, the interest payment method, the intermediate termination rate, the interest rate after maturity, etc.) (step S 305) or received from the transaction terminal 10 (step S 306), transfer After generating the foreign currency deposit ledger information including the amount information of the foreign currency, the personal information of the customer and the information on the foreign currency transfer condition (step S 307), the foreign currency deposit ledger information is stored in a database (step S 308).

Subsequently, the foreign currency deposit management server 30 receives the information regarding additional service conditions, such as whether the foreign currency deposit account or the overseas remittance of the foreign currency deposit account and the remittance or payment amount, is received from the transaction terminal 10 (step S 309). In step S310, the additional service condition is stored in a database. Subsequently, the foreign currency deposit management server 30 processes the foreign currency deposited in the foreign currency deposit account on the maturity date of the foreign currency deposit account in accordance with the value-added service condition stored in the database and automatically performs overseas remittance or import payment processing in connection with the bank's computer network. To process

As described above, the foreign currency deposit management server 30, which stores the information on the foreign currency deposit ledger information and the additional service condition in a database, prints the passbook and the slip of the foreign currency deposit account and outputs it through the transaction terminal 10 to the customer. (Step S 311).

Next, with reference to FIG. 4, a method of setting up a regular currency deposit in a foreign currency using the foreign currency deposit account generated by the method of FIG. 3 as a parent account will be described.

First, through the transaction terminal 10 connected to the intranet 20 which is the bank backbone network, information on the amount of the foreign currency of the customer to be transferred and information on the foreign currency deposit account to be transferred are transmitted to the foreign currency deposit management server 30 (step S401). ).

The foreign currency deposit management server 30 that has received the information for requesting the foreign currency transfer to the foreign currency deposit account of the customer determines whether the foreign currency of the customer to be transferred to the foreign currency deposit account is a depositable currency (step S402). If it is determined that the currency can be deposited, the foreign currency deposit management server 30 searches the foreign currency deposit ledger information stored in the database and the number of deposits in the foreign currency deposit account of the customer exceeds the maximum number of deposits of the foreign currency periodic deposits stored in the foreign currency deposit ledger information. It is judged whether or not (step S403). According to an embodiment of the present invention, the maximum number of deposits was limited to 50.

If the number of deposits in the foreign currency to be transferred to the customer's foreign currency deposit account does not exceed the maximum number of deposits in the foreign currency periodic deposit, the customer's foreign currency is transferred to the customer's foreign currency deposit account (step S404). At this time, the method of the transfer may be a method of direct deposit of foreign currency cash through the transaction terminal 10 or the transfer of account from the customer's other foreign currency deposit account as described above.

Next, when the customer's foreign currency is transferred, the foreign currency deposit management server 30 is the information on the foreign currency transfer conditions set in the server (expiration date, deposit currency, the limited amount of the deposit amount, applicable interest rate, split termination conditions, maximum foreign currency regular deposit) The number of deposits, interest payment method, interest rate terminated, interest rates after maturity, etc.) (step S 405) or received from the transaction terminal 10 (step S 406), the foreign currency periodic to the customer's foreign currency deposit account as the mother account After generating the foreign currency periodic deposit setting information including the amount information of the foreign currency of the deposit and the information on the foreign currency transfer condition (step S407), the foreign currency periodic deposit setting information is stored in a database (step S408), and the stored foreign currency The foreign currency deposit ledger information of the foreign currency deposit account which is the parent account is updated according to the periodic deposit setting information and stored in the database (step S409).

Subsequently, the foreign currency deposit management server 30 receives information regarding additional service conditions, such as whether the remittance of foreign currency or the payment of the foreign currency settled as described above and the payment of the remittance or the payment amount, is received from the transaction terminal 10 ( In step S410, the additional service condition is stored in a database (step S411). Subsequently, the foreign currency deposit management server 30 automatically transfers the foreign currency deposit deposit with the bank's computer network on the maturity date of the foreign currency term deposit, which is based on the additional service condition stored in the database, on the maturity date of the customer's foreign currency deposit account. Or process the process of processing the payment of imports.

Thereafter, the foreign currency deposit management server 30 prints the foreign currency periodic deposit setting information, the foreign currency deposit ledger information, and the information on additional service conditions through the transaction terminal 10 by printing the passbook and the slip (step S). 412).

Subsequently, steps S 401 to S 412 are repeatedly performed on foreign currency deposits deposited into the same foreign currency deposit account so that the number of deposits in the customer's foreign currency deposit account does not exceed the maximum number of deposits in the foreign currency term deposit. Foreign currency periodic deposits are established.

Effects of the present invention and the method of the foreign currency deposit system capable of multiple foreign currency periodic deposits having the above configuration are as follows.

First, customers can freely deposit liquid foreign currency funds, which can be made on a regular or irregular basis, in a single foreign currency account, regardless of the target currency, by specifying the maturity date of the deposit. It combines the advantages of regular foreign currency deposits that can be paid and the advantages of saving-type deposits, which are free to deposit as much as necessary within the period of the parent account, depending on the needs of the customer. There is an effect that can be maximized.

Second, since the document submitted for the foreign currency deposit is deposited as a document that is initially submitted at the time of the creation of the foreign currency deposit account of the mother account, it is possible to simplify the submission of unnecessary necessary documents.

Third, the customer's banking transaction is provided by specifying the maturity date of the periodic deposit of foreign currency as the overseas remittance date or the payment date of the customer's payment according to the customer's choice, and providing the additional service to automatically process the foreign remittance or import payment on the maturity date. It has the effect of promoting the convenience of.

Fourth, the bank avoids the time when foreign exchange operations such as overseas remittance or import settlement are concentrated, and it is possible to import and settle foreign affairs' deposits in the morning or the beginning of the month on the maturity date of the relevant periodic deposits. Therefore, it has the effect of efficiently managing the related resources such as the computer network of the bank.

Claims (5)

In the foreign currency deposit system of a normal bank through the intranet 20 which is a bank backbone network, A financial transaction terminal 10 for inputting foreign currency deposit related request information; The foreign currency deposit account is connected to the intranet 20 and the foreign currency deposit related request information transmitted from the transaction terminal 10 generates a foreign currency deposit account to transfer the foreign currency of the customer of the liquid deposit deposit call, and the foreign currency to be transferred is transferred according to the transfer condition. Foreign currency deposit management server (30) for exchanging foreign currency for accumulation and transferring it to the foreign currency deposit account, setting the foreign currency deposit account as a mother account, and setting at least two foreign currency term deposits for which the customer has specified an expiration date. Wow, Foreign currency deposit system, characterized in that it comprises a database in which the information processed by the foreign currency deposit management server 300 is stored and maintained for each type. The method of claim 1, The foreign currency deposit management server 30 sets additional service conditions, such as whether the foreign remittance or import payment processing for each foreign currency periodic deposit deposited in the foreign currency deposit account and the amount of the remittance or payment amount, It further comprises a foreign currency remittance module 40 and an import payment module 50 for overseas remittance or import payment processing of foreign currency deposited in the foreign currency periodic deposit account at the maturity date of the foreign currency periodic deposit according to the set value of the additional service conditions. Foreign currency deposit system, characterized in that. The method of claim 2, wherein the database, A customer database 31 in which personal information on customers of foreign currency periodic deposits generated by the foreign currency deposit management server 30 is stored and maintained; Account information of foreign currency term deposits generated by the foreign currency deposit management server 30, total balance information of the corresponding account, balance information of each foreign currency term deposit set in the corresponding account, and information on the transfer condition of each foreign currency term deposit. Account database 32 in which is stored and maintained, Stores information on whether to set an additional service of overseas remittance of each foreign currency periodic deposit set in the foreign currency deposit account stored in the account database 32, and remittance information such as the amount of foreign currency remitted abroad and the remittance date and remittance destination. And a remittance database 33, Information on whether or not to set up an additional service of import payment of each foreign currency periodic deposit set in the foreign currency deposit account stored in the account database 32, and information on import payment such as the amount of the foreign currency and the payment date of the payment, the payment destination, etc. Foreign currency deposit system, characterized in that it comprises an import payment database 34 that stores and maintains. In the foreign currency deposit method of a normal bank, Deposit at least two foreign currency of the customer in the liquidity deposit currency used for overseas remittance or import payments, and set up regular foreign currency deposits for each deposit, but freely specify the expiration date. Foreign currency deposit method characterized in that it allows. The method of claim 4, wherein The foreign currency deposit method, characterized in that the foreign currency deposited in the corresponding foreign currency periodic deposit account on the maturity date of each foreign currency periodic deposit account is automatically processed for overseas remittance or import payment in connection with the bank's computer network.

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