WO2013018275A1

WO2013018275A1 - Collective-fx-dealing server, method for collectively dealing in foreign exchanges, and program for collectively dealing in foreign exchanges

Info

Publication number: WO2013018275A1
Application number: PCT/JP2012/004256
Authority: WO
Inventors: Shinsuke Fujita; Keinosuke SAKAMOTO; Shinobu CHIBU; Hirofumi Sugawara; Hiroshi Sekimoto
Original assignee: Citibank Japan Ltd.
Priority date: 2011-08-02
Filing date: 2012-06-29
Publication date: 2013-02-07
Also published as: TW201324419A; JP2013033399A

Abstract

The present invention provides a CDFE system, in which without any establishment of a new system that involves the employment of staffs and the investment of hundred millions, a bank of a level such as a regional bank or the like can execute a FX transaction and at that time, a cover deal of a small amount is not individually required. A server collectively dealing in foreign exchanges encompasses a VO-manager (33), which manages a plurality of CHBA databases as Vostro accounts, a MCDD controller (34) for dealing with a multi-currency deposit, which manages a plurality of CHBMCA databases, and after the VO-manager (33) transfers data of yen of the CHBA database to data of a yen D/A of a customer in the CHBMCA database, transfers the data of the yen D/A of the customer in the CHBMCA database to data of a foreign-currency account, and a CDF operation unit (35) for cover dealing and funding, the CDF operation unit (35) executes the arithmetic processing for cover deal and fund management, that corresponds to the money amount of the foreign-currency account.

Description

COLLECTIVE-FX-DEALING SERVER, METHOD FOR COLLECTIVELY DEALING IN FOREIGN EXCHANGES, AND PROGRAM FOR COLLECTIVELY DEALING IN FOREIGN EXCHANGES

This application claims priority to Japanese Application No. 2011-169387, filed August 2, 2011, entitled "Collective-FX-Dealing Server, Method for Collectively Dealing in Foreign Exchanges, and Program Product Stored in a Computer-Readable Recording Medium for Collectively Dealing in Foreign Exchanges," which is hereby incorporated by reference in its entirety.

The present invention relates to a proposal of a system for collectively dealing in foreign exchanges (FXs), which is a new financial system that improves a foreign-currency deposit rate, complies with a Basel regulation and serves for reinforcement of net banking, and more particularly relates to a collective-FX-dealing server, a method for collectively dealing in foreign exchanges, and a program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges, which are used in this system (CDFE system) for collectively dealing in foreign exchanges.

A usual shareholder capital, namely, a common share and a published reserve fund or an internal reserve are main elements of a core capital. However, a Basel regulation that is a bank regulation as a world standard defines the minimum level of the core capital with respect to the total assets of a bank and performs a severe condition on a capital procurement means. In accordance with a new regulation, the minimum core capital rate is scheduled to be made higher in future. Therefore, for international standard banks, accommodations to the Basel regulation are required.

On the other hand, in Japan, there are one hundred or more banks, including regional banks and the like. However, 99 % of their deposits are yen deposit accounts (D/As). In Japan, the ratio of foreign-currency deposits against entire deposit is about 0.6%. If each bank calculates the foreign-currency deposit and improves the foreign-currency deposit rate, each bank is required to employ staff to handle the receipt of the foreign-currency deposits. The process of receiving and settling the foreign-currency deposits can include sending out a society for worldwide interbank financial telecommunication (SWIFT) message or using the Bank of Japan financial network system. Moreover, in order to establish the system for operating the foreign-currency deposit, the investment of hundreds millions is required.

Moreover, each bank is required to carry out the position management of the foreign currency and a money interest rate through the use of a management function unique to each bank and carry out a cover deal for a plurality of banks in an interbank market. "The cover deal" implies that in order to reduce the exchange risk, a transaction opposite to a transaction which should be performed on a customer by a financial institution is executed. Since the cover deal is executed, the transaction between each other is cancelled out, thereby reducing the exchange risk.

For example, when under assumption that a personal customer A puts a dollar foreign-currency deposit for one hundred thousand yens in a B regional bank, the personal customer A purchases the dollars for one hundred thousand yens, the B regional bank is required to purchase the dollars for one hundred thousand yens, for the sake of the personal customer A through the use of an interbank transaction. Thus, this deal of the B regional bank becomes "the cover deal". When the cover deal is performed, the B regional bank does not receive the influence on profits and losses in the account of its bank, even if a foreign exchange rate is later raised or lowered. However, the interbank deal of such a small lot is not usually performed. Typically, it is performed at a unit of ten million dollars (euro), and even in the case of the minimum lot, it is about 1 million dollars (euro). In short, at present, the B regional bank does not perform the cover deal for the sake of the personal customer A. Then, it is mixed with the cover deal for a legal person sector at a rough estimate, or dollar demands are heaped every other day or every few days, and then, the cover deal is performed, or this becomes in a situation that the cover deal cannot be fairly performed. In short, the B regional bank becomes risky because it is positioned to be influenced by a dollar exchange rate during that time. Here, the term "risk" implies the risk in the financial world, namely, "uncertainty". When the B regional bank indefinitely remains in a situation in which it has a duty of "purchasing the dollars for one hundred thousand yens for the sake of the personal customer A", as the yen becomes cheaper, the more dollars can be purchased, and as the yen becomes higher, only the fewer dollars can be bought. In this way, the uncertain unreliable situation in which the more dollars can be purchased or cannot be purchased depending on the dollar exchange rate leads to "the risk". In this way, the personal foreign-currency deposit of the existing regional bank level is exposed to the risk at which it may be profitable or oppositely unprofitable, depending on the market price.

Also, in order to perform fund settlements in accounts held in a plurality of banks, each bank performs a settlement instruction on all of the foregoing banks. Those foreign currency remittances are carried out by the fund settlements between the banks, through the SWIFT hat serves as a network of a message communication with regard to the national transaction of the financial institution. Then, each bank carries out the businesses such as a settlement support, a contract management, a foreign currency settlement account inspection and the like, which are related to the foreign exchange task. Then, the foreign currency settlement between the banks is carried out in the transaction in the net after individual transactions are cancelled out. However, its service charge is cheap, as compared with the service charge for the customer. For example, a foreign bond management of a large institutional investor (a major bank such as this bank) is usually carried out between five million dollars and ten million dollars. However, although the service charge is between 0.02% and 0.00%, the high service charge is required for the small-lot transaction. For example, the service charge between 0.4% and 4% is typically required for the transaction of a 100,000 dollar unit that is carried out by a personal investor.

The bank, when considering a benefit from the foreign-currency deposit, considers the interest rate and the service charge as one set. However, the bank such as the regional bank level and the like, which cannot properly perform the cover deal and cannot sufficiently achieve the reduction in the risk caused by the execution of the cover deal, sets the service charge high, as the buffer of the risk. The foregoing bank cannot help setting the interest rate low because the transaction amount of the foreign currency is small and the management is inefficient. Moreover, the managements of the foreign currencies are various depending on the respective banks. However, in order to get management gains and returns, there is a case that it is turned over by considering a market risk/price fluctuation risk.

On the other hand, as an approach in which the bank, such as the regional bank or the like, recommends its own personal customer to put the foreign-currency deposit and the like, a case of entrusting a bank agency, which provides services of foreign-currency deposit for other banks, is also considered. However, when the regional bank or the like carries out the bank agency service for a global bank having a high management technique with regard to the foreign-currency deposit, it takes a considerable time to obtain an allowance for the bank agency service because of the negotiation with the Financial Services Agency and the like. Thus, the business cannot be quickly started. Also, the bank on the side that entrusts the bank agency service has a duty of supervising whether or not the regional bank or the like responsible for the bank agency service correctly carries out the business, as necessary, in accordance with the supervision guide of the Financial Services Agency. Moreover, when there is any trouble in the business of the regional bank or the like that carries out the bank agency service and consequently, a damage is generated in the customer, there is a case that the bank on the side that entrusts the bank agency service also has a direct damage compensation duty for the customer and the like.

In view of the above-mentioned problems, an object of the present invention is to provide a system (CDFE system) for collectively dealing in foreign exchanges (CDFE), in which with a scheme differing from the bank agency service, the bank of the level, such as the regional bank or the like, is not required to establish a system for operating a foreign-currency deposit, which is required to carry out an investment of hundred million units resulting from the employment of staffs for receiving the foreign-currency deposits and the independent and separate development in each bank, and the bank of the level such as the regional bank or the like is not required to individually execute the cover deal of a small money amount, and a collective-FX-dealing server, a method for collectively dealing in foreign exchanges, and a program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges, which are used in the CDFE system.

Also, an object of the present invention is to provide a CDFE system, which can reduce a risk caused by a foreign exchange fluctuation, and calculate the foreign currency at a money amount of a larger unit, and consequently get greater management-gains and returns as a whole and further achieve the simplicities of the businesses, such as the settlement instruction, the contract management and the foreign currency settlement account inspection and the like, which are related to FX business of the regional bank or the like, and can contribute to the improvement of a core capital ratio and consequently contribute to the corresponding management to the Basel regulation and lead to the improvements of a customer share and each presence of the bank of the level, such as the regional banks or the like, and a collective-FX-dealing server, a method for collectively dealing in foreign exchanges, and a program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges, which are used in the CDFE system.

In order to achieve the above-mentioned objects, a first aspect of the present invention inheres in a method for collectively dealing in foreign exchanges, encompassing (a) receiving a transfer-information that a customer has made a deposit of a distribution currency in a first country, amount of which corresponds to a foreign-currency deposit defined on a basis of a currency unit of a distribution currency in a second country, with a corresponding exchange charge, in an ordinary deposit account (D/A) in the first country, the ordinary D/A is assigned in a first customer-handling bank, by a registering unit configured to register multiple-currency account for the first customer-handling bank, the registering unit is provided in a controller configured to deal with multi-currency deposits, the controller is provided in a collective-FX-dealing server; (b) by the vostro-account manager, transferring the money-amount data of the distribution currency in the first country in the first customer-handling bank's account (CHBA) database, through a controller configured to deal with the multi-currency deposit, to data in an account-file of the distribution currency of the first country, the account-file is assigned in the first customer-handling bank's multi-currency-account database (CHBMCA database); (c) in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and the currency unit of the distribution currency in the second country, rewriting the money-amount data in the account-file of the distribution currency in the first country in the first CHBMCA database to money-amount data of an account-file of the distribution currency in the second country in the first CHBMCA database; and (d) being associated with the rewriting, by a cover deal and funding (CDF) operation unit provided in the collective-FX-dealing server, carrying out arithmetic processing for cover deal and fund management, which corresponds to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country. Here, the way of election of countries such that which country shall be assigned as "the first country", and which country shall be assigned as "the second country" is optional and can be freely determined. For example, any one of countries elected from a group including various country such as Japan, United State, Australia, New Zealand, Grate Britain, Canada, Switzerland, Hong Kong, Thailand, and Norway can be assigned arbitrary as "the first country", and one of other country different from the country assigned as the first country can be assigned arbitrary as "the second country". In addition, a collective-FX-dealing bank, which may be referred as "a socket type bank" in the present Specification, possessing and running the collective-FX-dealing server is not always required to be located in the first or second country. Moreover, "the customer" can be a customer in the first country, or a customer in a country other than the first country. Similarly, "the first customer-handling bank" can be located in the first country, or in a country other than the first country. According to the method for collectively dealing in foreign exchanges pertaining to the first aspect, differently from the bank agency service, apparently similar to OEM in a manufacturing industry, the collective-FX-dealing server can carries out the arithmetic processing necessary for the FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country of the customer.

A second aspect of the present invention inheres in a server collectively dealing in foreign exchanges, encompassing (a) a plurality of CHBA databases serving as respective Vostro account databases for a plurality of customer-handling banks, configured to preliminarily store data of backup funds of predetermined money amounts; (b) a vostro-account manager configured to manage data stored in the plurality of CHBA databases; (c) a plurality of CHBMCA databases, respectively assigned to the plurality of customer-handling banks, being disposed separately from each other, in each of which money-amount data of a plurality of distribution currencies including money-amount data of a distribution currency in a first country and money-amount data of a distribution currency in a second country differing from the first country, are sorted for each customer; (d) a controller configured to deal with multi-currency deposits, in which, when the plurality of CHBMCA databases are managed independently and the vostro-account manager confirms that a particular CHBA database stores the money-amount data of the distribution currency in the first country which corresponds to a foreign-currency deposit, the money-amount data of the distribution currency in the first country in the particular CHBA database is transferred through the vostro-account manager to the data of a account-file of the distribution currency in the first country of a particular customer in the particular CHBMCA database, and further in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and a currency unit of the distribution currency in the second country, the money-amount data in the account-file of the distribution currency in the first country of the particular customer in the particular CHBMCA database is rewritten to the money-amount data in an account-file of the distribution currency in the second country of the particular customer in the particular CHBMCA database; and (e) a CDF operation unit configured to carry out arithmetic processing for cover deal and fund management, which correspond to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country, in linkage to the rewriting step. Similar to the first aspect of the present invention, in the second aspect of the present invention, the way of election of countries such that which country shall be assigned as "the first country", and which country shall be assigned as "the second country" is optional and can be freely determined, and "the customer" can be a customer in the first country, or a customer in a country other than the first country. Similarly, "the plurality of customer-handling banks" can be located in the first country, or in a country other than the first country, and furthermore, "the plurality of customer-handling banks" can be distributed in different countries. According to the server dealing in the foreign exchange pertaining to the second aspect, differently from the system of the bank agency service, but apparently similar to OEM in the manufacturing industry, can carry out the arithmetic processing necessary for a FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country of the particular customer.

A program product for executing the method for collectively dealing in foreign exchanges, which is described in the first aspect of the present invention, can be stored in a computer-readable recording medium, and the recording medium is read out by a computer system. Consequently, the method for collectively dealing in foreign exchanges of the present invention can be carried out. That is, a third aspect of the present invention inheres in a program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges, encompassing: (a) instructions to receive a transfer-information that a customer has made a deposit of a distribution currency in a first country, amount of which corresponds to a foreign-currency deposit defined on a basis of a currency unit of a distribution currency in a second country, with a corresponding exchange charge, in an ordinary D/A in the first country, the ordinary D/A is assigned in a first customer-handling bank, by a registering unit configured to register multiple-currency account for the first customer-handling bank, the registering unit is provided in a controller configured to deal with multi-currency deposits, the controller is provided in a collective-FX-dealing server; (b) instructions to transfer the money-amount data of the distribution currency in the first country in the first CHBA database, through a controller configured to deal with the multi-currency deposit, to data in an account-file of the distribution currency of the first country, the account-file is assigned in the first CHBMCA database, by a vostro-account manager; (c) instructions to rewrite the money-amount data in the account-file of the distribution currency in the first country in the first CHBMCA database to money-amount data of an account-file of the distribution currency in the second country in the first CHBMCA database, in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and the currency unit of the distribution currency in the second country,; and (d) instructions to carry out arithmetic processing for cover deal and fund management, which corresponds to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country, being associated with the rewriting, by a CDF operation unit provided in the collective-FX-dealing server. Similar to the first and second aspects of the present invention, in the third aspect of the present invention, the way of election of countries such that which country shall be assigned as "the first country", and which country shall be assigned as "the second country" is optional and can be freely determined, and "the customer" can be a customer in the first country, or a customer in a country other than the first country. In addition, "the first customer-handling bank" can be located in the first country, or in a country other than the first country. According to the program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges pertaining to the third aspect, it is possible to drive the collective-FX-dealing server to carry out the arithmetic processing necessary for the FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country of the customer. Also, by using the recording medium that stores the program product for collectively dealing in foreign exchanges pertaining to the third aspect and then driving the collective-FX-dealing server to execute the above procedure, the collective-FX-dealing server can carry out the arithmetic processing necessary for the FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country of the customer. Here, "the recording medium" indicates the medium that can record the program product stored in, for example, an external memory device of a computer, a semiconductor memory, a magnetic disc, an optical disc, a magnetic optical disc, a magnetic tape or the like. Specifically, a flexible disc, a CD-ROM, an MO disc, a cassette tape, an open reel tape and the like are included in "the computer-readable recording medium".

According to the present invention, it is possible to provide the system (CDFE system) for collectively dealing in foreign exchanges, in which with the scheme differing from the bank agency service, the bank of the level, such as the regional bank or the like, is not required to establish the system for operating the foreign-currency deposit, which is required to carry out the investment of the hundred million units resulting from the employment of the staffs for receiving the foreign-currency deposits and the independent and separate development in each bank, and the bank of the level such as the regional bank or the like is not required to individually execute the cover deal of the small money amount, and the collective-FX-dealing server, the method for collectively dealing in foreign exchanges, and the program product dealing in the foreign exchange, which are used in the CDFE system.

Also, according to the present invention, it is possible to provide the CDFE system, which can reduce the risk caused by the foreign exchange fluctuation, and calculate the foreign currency at the money amount of the larger unit, and consequently get greater management-gains and returns as a whole and further achieve the simplicities of the businesses, such as the settlement instruction, the contract management and the foreign currency settlement account inspection and the like, which are related to FX business of the regional bank or the like, and can contribute to the improvement of the core capital ratio and consequently contribute to the corresponding management to the Basel regulation and lead to the improvements of the customer share and each presence of the bank of the level, such as the regional banks or the like, and a collective-FX-dealing server, a method for collectively dealing in foreign exchanges, and a program product stored in a computer-readable recording medium for collectively dealing in foreign exchanges, which are used in the CDFE system.

FIG. 1 is a system configuration view explaining the entire schema of a collectively-dealing-in-foreign-exchange system (CDFE system) for collectively dealing in foreign exchanges pertaining to an embodiment of the present invention; FIG. 2 is an inner structure of a vostro-account manager, which is provided in the collective-FX-dealing server that is used in the CDFE system in FIG. 1, and a system configuration view explaining first customer-handling bank's account (CHBA) database, second CHBA database, ---, n-th CHBA database that are relationally connected to a registering unit configured to register first CHBA, a registering unit configured to register second CHBA, ---, a registering unit configured to register n-th CHBA, respectively, which are provided inside the vostro-account manager; FIG. 3A is an inner structure of a controller configured to deal with multi-currency deposits, which is provided in the collective-FX-dealing server that is used in the CDFE system in FIG. 1, and a system configuration view explaining first customer-handling bank's multi-currency-account (CHBMCA) database, second CHBMCA database, ---, n-th CHBMCA database that are relationally connected to a first multiple-currency-account for customer-handling-bank (MCCHB) registering unit configured to register multiple-currency account for first customer-handling bank, a second MCCHB registering unit configured to register multiple-currency account for second customer-handling bank, ---, a n-th MCCHB registering unit configured to register multiple-currency account for n-th customer-handling bank, respectively, which are provided inside the controller configured to deal with the multi-currency deposit; FIG. 3B illustrates detailed structures of the first CHBMCA database, second CHBMCA database, ---, n-th CHBMCA database that are relationally connected to the first, second, ---, and n-th MCCHB registering units illustrated in FIG. 3A; FIG. 4 is a system configuration view, explaining a logical inner structure of a cover-deal-and-funding operation unit (CDF operation unit), which is provided in the collective-FX-dealing server that is used in the CDFE system in FIG. 1; FIG. 5 is a flowchart explaining details of the arithmetic process executed by the CDF operation unit; FIG. 6 is a flowchart explaining a method for collectively dealing in foreign exchanges pertaining to the embodiment of the present invention; FIG. 7 is a flowchart illustrating details of the arithmetic processes in the step S 121b and the step S 12b, recited in FIG. 6; FIG. 8 is a flowchart illustrating details of the arithmetic processes in the step S 121c and the step S 12c, recited in FIG. 6; FIG. 9 is a flowchart illustrating details of the arithmetic processes in the step S 121f and the step S 12f, recited in FIG. 6; FIG. 10 is a flowchart explaining a modification of the method for collectively dealing in foreign exchanges, pertaining to another embodiment of the present invention; FIG. 11 is a flowchart illustrating details of the arithmetic processes in the step S 12b, recited in FIG. 10; FIG. 12 is a flowchart illustrating details of the arithmetic processes in the Step S 12c, recited in FIG. 10; and FIG. 13 is a flowchart illustrating details of the arithmetic processes in the step S 12f, recited in FIG. 10.

The embodiment of the present invention will be described below with reference to the drawings. In the illustrations of the following drawings, the same or similar reference numbers are given to the same or similar portions. However, attention should be paid to the fact that, since the drawings are only diagrammatic, the relation between the thickness and the flat surface dimension, and the ratio between the thicknesses of respective layers, and the like differ from the actual materials. Thus, the specific thicknesses and dimensions should be judged by referring to the following explanations. Also, of course, the portions in which the mutual dimensional relations and ratios are different are included even between the mutual drawings.

Also, the embodiment of the present invention, which will be indicated below, only exemplifies the hardware resources and methods to embody the technical ideas of the present invention. The technical ideas of the present invention are not limited to the particular hardware resources and the like that are used in the following explanations. Various modifications can be added to the technical ideas of the present invention, within the technical scope described in claims.

In particular, the system (CDFE system) for collectively dealing in foreign exchanges, which will be described below, and the collective-FX-dealing server, the method for collectively dealing in foreign exchanges, and the program product dealing in the foreign exchange, which are used in the CDFE system, are described by exemplifying a financial system in Japan, under assumption that "a first country" of the present invention is Japan and a distribution currency and a currency unit in this first country are yen. However, they are insistently exemplificative. The CDFE system, which is proposed by the present invention, can be naturally used in the other countries except Japan. When the schema and technical idea of the present invention are applied to the foreign-currency deposits in the other countries, hereafter, "Japan" in the explanation of the CDFE system, pertaining to the embodiment of the present invention, may be replaced with the country name of the other country, and the change may be properly added correspondingly to the distribution currency (official currency) of the country, and the actual condition and circumstance of a financial field. Also, when "the first country" is the community such as European Union (EU) or the like, the unified currency of the community such as an euro or the like naturally corresponds as this "distribution currency and currency unit of the first country".

(SYSTEM CONFIGURATION)
As shown in FIG. 1, in a system (CDFE system) for collectively dealing in foreign exchanges, pertaining to an embodiment of the present invention, in a first country (e.g. Japan), respective computers B₁, B₂, B₃, ---, B_n in a first customer-handling bank (first CHB), a second customer-handling bank (second CHB), a third customer-handling bank (third CHB), --- an n-th customer-handling bank (n-th CHB) are connected through a system network and an interface, which are not shown, to a CFXD server 3, which is collectively dealing in foreign exchanges. The interface whose illustration is omitted defines a format under which data are transmitted and received between respective programs of the respective computers B₁, B₂, B₃, ---, B_nin the plurality of first, second, third, ....., n-th CHBs, and the CFXD server 3. Here, as the plurality of first, second, third, ....., n-th CHBs, the bank of the level such as regional banks or the like, in which a current foreign-currency position is about 0.5% of the market mainly corresponds thereto, and these CHBs are targeted. However, first, second, third, ....., n-th CHBs are not limited to the regional bank and the like. On the other hand, as a CFXD bank (socket type bank) that possesses and runs the CFXD server 3, for example, a global bank whose foreign-currency position is about 20% of the market, having a high technique with regard to the management of the foreign currency, and this is preferable from the viewpoint that a capital investment such as a new facility investment and the like is not required. However, the CFXD bank is not limited to such global bank. A small bank whose foreign-currency position is small, or an organization newly established by grouping and the like are also allowable.

Then, as shown in FIG. 1, the CFXD server 3 pertaining to the embodiment of the present invention includes: a controller (ADW controller) 31 for account deposits and withdrawals, which controls the account deposits and withdrawals; a processor 32 for getting an exchange rate, which gets the exchange rate; a manager (VO-manager) 33, which settles the data of the entire foreign currency fund accounts of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, and manages the balance of the foreign exchange transaction and then executes an arithmetic processing; a controller (MCDD controller) 34 for dealing with a multi-currency deposit, which captures the data of the foreign-currency deposits received from the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, and carries out the arithmetic processing for the account management for each of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, respectively; a operation unit (CDF operation unit) 35 for cover deal and funding, which executes the cover deal and the funding and manages the cover balance of the foreign exchange transaction and then executes the arithmetic processing; a receiver 36 for receiving a transaction instruction, which receives an instruction of a transaction; a recording unit 38 for a foreign exchange transaction, which records the foreign exchange transaction; and a report-sending unit 37, which sends the original data of a transaction report and a balance report for #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, and the like.

As shown in FIG. 2, the VO-manager 33 includes a balance-confirming processor 331, a first CHBA-registering unit VA1 (a registering unit configured to register a first CHB's account), a second CHBA-registering unit VA2 (a registering unit configured to register a second CHB's account), ---, a n-th CHBA-registering unit VAn (a registering unit configured to register a n-th CHB's account). In FIG. 1, although their illustrations are omitted, a first CHBA database (first CHB's account database) VAM1, a second CHBA database (second CHB's account database) VAM2, ---, an n-th CHBA database (n-th CHB's account database) VAMn, which are legal-person account databases, are connected to the VO-manager 33, as shown in FIG. 2. The first CHBA-registering unit VA1 writes and rewrites data to the first CHBA database VAM1, reads out data from the first CHBA database VAM1, and manages and controls data of the first CHBA database VAM1, such as the operation and the like, through the use of the read data. Also, the second CHBA-registering unit VA2 writes and rewrites data to the second CHBA database VAM2, reads out data from the second CHBA database VAM2, and manages and controls data of the second CHBA database VAM2, such as the operation and the like, through the use of the read data, and ---, and n-th CHBA-registering unit VAn writes and rewrites data to the n-th CHBA database VAMn, reads out data from the n-th CHBA database VAMn, and manages and controls data of the n-th CHBA database VAMn, such as the operation and the like, through the use of the read data. For this reason, the respective computers B₁, B₂, B₃, ---, B_n in the plurality of first CHB, second CHB, third CHB, ---, n-th CHB can be connected through the VO-manager 33 in the CFXD server 3, to the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, respectively, which are the legal-person account databases.

On the other hand, as shown in FIGs. 3A and 3B, the MCDD-controller 34 includes a first multiple-currency-account-for-customer-handling bank (MCCHB) registering unit PL1 (a registering unit configured to register multiple-currency account for a first CHB), second MCCHB-registering unit PL2 (a registering unit configured to register multiple-currency account for a second CHB), ---, a n-th MCCHB-registering unit PLn (a registering unit configured to register multiple-currency account for a n-th CHB). The first MCCHB-registering unit PL1, the second MCCHB-registering unit PL2, ---, the n-th MCCHB-registering unit PLn establish logical walls between the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, and while keeping the securities of the information, execute the arithmetic processing. The first MCCHB-registering unit PL1 includes a multi-currency account (MCA) registering unit MAR11 for #11 customer, a MCA registering unit MAR12 for #12 customer, a MCA registering unit MAR13 for #13 customer, ---, a MCA registering unit MAR1m for #1m customer. Similarly, the second MCCHB-registering unit PL2 includes a MCA registering unit MAR21 for #21 customer, a MCA registering unit MAR22 for #22 customer, a MCA registering unit MAR23 for #23 customer, ---, and the n-th MCCHB-registering unit PLn includes a MCA registering unit MARn1 for #n1 customer, a MCA registering unit MARn2 for #n2 customer, a MCA registering unit MARn3 for #n3 customer, ---.

Then, although illustrations are omitted in FIG. 1, as shown in FIGs. 3A and 3B, a first CHB's multi-currency-account database (first CHBMCA database) PLM1, a second CHB's multi-currency-account database (second CHBMCA database) PLM2, ---, an n-th CHB's multi-currency-account database (n-th CHBMCA database) PLMn are connected to the MCDD-controller 34. The first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database also establish the logical walls between the respective computers B₁, B₂, B₃, ---, B_n in the corresponding first CHB, second CHB, third CHB, ---, n-th CHB, and while keeping the securities of the information, store the information. The first CHBMCA database PLM1 includes #11 customer's multi-currency-account file (MCA file) MAM11, #12 customer's multi-currency-account file (MCA file) MAM12, #13 customer's multi-currency-account file (MCA file) MAM13, ---, #1m customer's multi-currency-account file (MCA file) MAM1m. #11 customer's MCA file MAM11 includes a table of #11 customer's yen account, a table of #11 customer's first foreign currency account (FCA), a table of #11 customer's second foreign currency account (FCA), a table of #11 customer's third foreign currency account (FCA), ---, a table of #11 customer's p-th foreign currency account (FCA). Here, as the foreign currency 1, the foreign currency 2, the foreign currency 3, ---, the foreign currency p, the 16 foreign currencies whose competitive powers are high at present can be exemplified such as an American dollar (U.S. dollar), an Australian dollar, a New Zealand dollar, a British pound, a Canadian dollar, a Swiss franc, an euro, a Hong Kong dollar, a Thai baht, a Norwegian krone, and the like, which serve as the distribution currencies (official currencies) in a second country, a third country, a fourth country, a fifth country, a sixth country and the like that differ from the first country (Japan). #12 customer's MCA file MAM12 includes a table of #12 customer's yen account, a table of #12 customer's first foreign currency account (FCA), a table of #12 customer's second foreign currency account (FCA), a table of #12 customer's third foreign currency account (FCA), ---, a table of #12 customer's p-th foreign currency account (FCA), and ---, and #1m customer's MCA file MAM1m includes a table of #1m customer's yen account, a table of #1m customer's first foreign currency account (FCA), a table of #1m customer's second foreign currency account (FCA), a table of #1m customer's third foreign currency account (FCA), ---, a table of #1m customer's p-th foreign currency account (FCA). Similarly, the second CHBMCA database PLM2 includes #21 customer's MCA file MAM21, #22 customer's MCA file MAM22, #23 customer's MCA file MAM23, ---, and the n-th CHBMCA database PLMn includes #n1 customer's MCA file MAMn1, #n2 customer's MCA file MAMn2, #n3 customer's MCA file MAMn3, ---.

A MCA registering unit MAR11 for #11 customer, a MCA registering unit MAR12 for #12 customer, a MCA registering unit MAR13 for #13 customer, ---, a MCA registering unit MAR1m for #1m customer in the first MCCHB-registering unit PL1 write and rewrite the data to #11 customer's MCA file MAM11, #12 customer's MCA file MAM12, #13 customer's MCA file MAM13, ---, #1m customer's MCA file MAM1m (whose illustration is omitted) in the first CHBMCA database PLM1, respectively, and read the data from #11 customer's MCA file MAM11, #12 customer's MCA file MAM12, #13 customer's MCA file MAM13, ---, #1m customer's MCA file MAM1m (whose illustration is omitted) in the first CHBMCA database PLM1, respectively, and manage and control the data of #11 customer's MCA file MAM11, #12 customer's MCA file MAM12, #13 customer's MCA file MAM13, ---, #1m customer's MCA file MAM1m (whose illustration is omitted) in the first CHBMCA database PLM1, respectively, such as the operation and the like through the use of the read data. The writing and rewriting actions of the data to #11 customer's MCA file MAM11 executed by this MCA registering unit MAR11 for #11 customer include a process for rewriting the data of the table of #11 customer's yen account, to the data of the table of #11 customer's first foreign currency account (FCA), the data of the table of #11 customer's second foreign currency account (FCA), the data of the table of #11 customer' third foreign currency account (FCA), ---, the data of the table of #11 customer's p-th foreign currency account (FCA), and the like, in accordance with a predetermined foreign currency rate. Also, the writing and rewriting actions of the data to #12 customer's MCA file MAM12 executed by the MCA registering unit MAR12 for #12 customer include a process for rewriting the data of the table of #12 customer's yen account, to the data of the table of #12 customer's first foreign currency account (FCA), the data of the table of #12 customer's second foreign currency account (FCA), the data of the table of #12 customer's third foreign currency account (FCA), ---, the data of the table of #12 customer's p-th foreign currency account (FCA) and the like, in accordance with a predetermined foreign currency rate. Then, the writing and rewriting actions of the data to #13 customer's file MAM13 executed by the MCA registering unit MAR13 for #13 customer includes a process for rewriting the data of the table of #13 customer's yen account, to the data of the table of #13 customer's first foreign currency account (FCA), the data of the table of #13 customer's second foreign currency account (FCA), and the data of the table of #13 customer's multiple currency 3 account, ---, and the data of the table of #13 customer's p-th foreign currency account (FCA) and the like, in accordance with a predetermined foreign currency rate. In a case of a double foreign-currency deposit, both of the deposit of the yen and the deposit of the foreign currency are possible, and 10 to 30 combinations are possible. Then, the rewriting action of the data is carried out, in association with it.

For example, when the customers P₁₁, P₁₂, P₁₃, ---, P_1m of the first CHB open multi-currency deposit accounts (D/As) in the first CHB, let us suppose that the computer B₁ in the first CHB sequentially transmits a request for opening the multi-currency D/A through a telegram. Then, the first MCCHB-registering unit PL1 in the MCDD-controller 34 in the CFXD server 3 sequentially installs the program products of the first MCCHB-registering unit PL1, in the corresponding MCA registering unit MAR11 for #11 customer, MCA registering unit MAR12 for #12 customer, MCA registering unit MAR13 for #13 customer, ---, MCA registering unit MAR1m for #1m customer, on the basis of the telegrams sequentially transmitted from the computer B₁, or assigns respectively the MCA registering unit MAR11 for #11 customer, the MCA registering unit MAR12 for #12 customer, the MCA registering unit MAR13 for #13 customer, ---, the MCA registering unit MAR1m for #1m customer, to each of the program products preliminarily prepared in the first MCCHB-registering unit PL1, as necessary. Then, in the first CHBMCA database PLM1, the MCA registering unit MAR11 for #11 customer, the MCA registering unit MAR12 for #12 customer, the MCA registering unit MAR13 for #13 customer, ---, the MCA registering unit MAR1m for #1m customer open respectively #11 customer's MCA file MAM11 for # P₁₁customer, #12 customer's MCA file MAM12 for # P₁₂ customer, #13 customer's MCA file MAM13 for #P₁₃customer, ---, #1m customer's MCA file MAM1m (whose illustration is omitted). The first MCCHB-registering unit PL1 gives identification account numbers to #11 customer's MCA file MAM11 for # P₁₁ customer, #12 customer's MCA file MAM12 for # P₁₂ customer, #13 customer's MCA file MAM13 for # P₁₃customer, ---, #1m customer's MCA file MAM1m (whose illustration is omitted) in the corresponding first CHB, respectively, and manages them. The identification account numbers are prepared and managed by the first MCCHB-registering unit PL1, on the basis of an identification code of the first CHB.

Similarly, the MCA registering unit MAR21 for #21 customer, the MCA registering unit MAR22 for #22 customer, the MCA registering unit MAR23 for #23 customer, ---, in the second MCCHB-registering unit PL2 write and rewrite the data to #21 customer's MCA file MAM21, #22 customer's MCA file MAM22, #23 customer's MCA file MAM23, ---, in the second CHBMCA database PLM2, respectively, and read the data from #21 customer's MCA file MAM21, #22 customer's MCA file MAM22, #23 customer's MCA file MAM23, ---, in the second CHBMCA database PLM2, respectively, and manage and control the data of #21 customer's MCA file MAM21, #22 customer's MCA file MAM22, #23 customer's MCA file MAM23, ---, in the second CHBMCA database PLM2, respectively, such as the operation and the like through the use of the read data. For example, when #21 customer (P₂₁), #22 customer (P₂₂), #23 customer (P₂₃), --- in the second CHB open the multi-currency D/As in the second CHB and when the computer B₂ in the second CHB sequentially transmits the request for opening the multi-currency D/A to the CFXD server 3 through the telegram, the second MCCHB-registering unit PL2 in the MCDD-controller 34 in the CFXD server 3 installs the corresponding MCA registering unit MAR21 for #21 customer, MCA registering unit MAR22 for #22 customer, MCA registering unit MAR23 for #23 customer, ---, to the second MCCHB-registering unit PL2, on the basis of the telegrams sequentially transmitted from the computer B₂. Or, when the computer B₂ in the second CHB sequentially transmits the request, the second MCCHB-registering unit PL2 assigns the corresponding MCA registering unit MAR21 for #21 customer, MCA registering unit MAR22 for #22 customer, MCA registering unit MAR23 for #23 customer, ---, to the second MCCHB-registering unit PL2, on the basis of the telegrams sequentially transmitted from the computer B₂, in accordance with the program product preliminarily prepared inside the second MCCHB-registering unit PL2. Then, the MCA registering unit MAR21 for #21 customer, the MCA registering unit MAR22 for #22 customer, the MCA registering unit MAR23 for #23 customer, ---, open #21 customer's MCA file MAM21 for #21 customer (P₂₁), #22 customer's MCA file MAM22 for #22 customer, #23 customer's MCA file MAM23 for #23 customer, ---, in the second CHBMCA database PLM2, respectively. The second MCCHB-registering unit PL2 gives the identification account numbers to #21 customer's MCA file MAM21 for #P21 customer (P₂₁), #22 customer's MCA file MAM22 for #P22 customer, #23 customer's MCA file MAM23 for #P23 customer, ---, respectively, and manages #21 customer's MCA file MAM21 for #P21 customer (P₂₁), #22 customer's MCA file MAM22 for #P22 customer, #23 customer's MCA file MAM23 for #P23 customer, ---. The identification account numbers are prepared and managed by the second MCCHB-registering unit PL2, on the basis of the identification code of the second CHB.

Also, the MCA registering unit MARn1 for #n1 customer, the MCA registering unit MARn2 for #n2 customer, the MCA registering unit MARn3 for #n3 customer, --- in the n-th MCCHB-registering unit PLn write and rewrite the data to #n1 customer's MCA file MAMn1, #n2 customer's MCA file MAMn2, #n3 customer's MCA file MAMn3, --- in the n-th CHBMCA database PLMn, respectively, and read the data from #n1 customer's MCA file MAMn1, #n2 customer's MCA file MAMn2, #n3 customer's MCA file MAMn3, --- in the n-th CHBMCA database PLMn, respectively, and manage and control the data of #n1 customer's MCA file MAMn1, #n2 customer's MCA file MAMn2, #n3 customer's MCA file MAMn3, --- in the n-th CHBMCA database PLMn, respectively, such as the operation and the like through the use of the read data. For example, when #ni customer (P_n1), #n2 customer (P_n2), #n3 customer (P_n3), --- in the n-th CHB open the multi-currency D/As in the n-th CHB and when the computer B_n in the n-th CHB sequentially transmits the request for opening the multi-currency D/A to the CFXD server 3 through the telegram, the n-th MCCHB-registering unit PLn in the MCDD-controller 34 in the CFXD server 3 sequentially installs the corresponding MCA registering unit MARn1 for #n1 customer, MCA registering unit MARn2 for #n2 customer, MCA registering unit MARn3 for #n3 customer, ---, to the n-th MCCHB-registering unit PLn, on the basis of the telegrams sequentially transmitted from the computer B_n. Or, the n-th MCCHB-registering unit PLn assigns the program product preliminarily prepared inside the n-th MCCHB-registering unit PLn, to the corresponding MCA registering unit MARn1 for #n1 customer, MCA registering unit MARn2 for #n2 customer, MCA registering unit MARn3 for #n3 customer ---, on the basis of the transmitted telegrams Then, the MCA registering unit MARn1 for #n1 customer, the MCA registering unit MARn2 for #n2 customer, the MCA registering unit MARn3 for #n3 customer, --- open #n1 customer's MCA file MAMn1 for #P_n1 customer, #n2 customer's MCA file MAMn2 for #P_n2 customer, #n3 customer's MCA file MAMn3 for #P_n3 customer, --- in the n-th CHBMCA database PLMn, respectively. The n-th MCCHB-registering unit PLn gives the identification account numbers to #n1 customer's MCA file MAMn1 for #P_n1 customer, #n2 customer's MCA file MAMn2 for #P_n2 customer, #n3 customer's MCA file MAMn3 for #P_n3 customer, ---, in the corresponding n-th CHB, respectively, and manages the identification account numbers to #n1 customer's MCA file MAMn1 for #P_n1 customer, #n2 customer's MCA file MAMn2 for #P_n2 customer, #n3 customer's MCA file MAMn3 for #P_n3 customer, ---. The identification account numbers are prepared and managed by the n-th MCCHB-registering unit PLn, on the basis of the identification code of the n-th CHB.

When there is a withdrawal from the yen deposit in the multi-currency D/A, by using the corresponding data among #11 customer's MCA file MAM11, #12 customer's MCA file MAM12 for #P₁₂ customer, ---, #1m customer's MCA file MAM1m for #P_1m customer, the MCA file MAM21 (whose illustration is omitted), ---, and the like, the first MCCHB-registering unit PL1, the second MCCHB-registering unit PL2, ---, the n-th MCCHB-registering unit PLn transmit deposit-request telegrams through the use of XML telegrams to the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB. The respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, after receiving the deposit-request telegrams from the first MCCHB-registering unit PL1, the second MCCHB-registering unit PL2, ---, the n-th MCCHB-registering unit PLn, perform the depositing processes on the yen D/As of the respective corresponding #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

The MCDD-controller 34, pertaining to the embodiment of the present invention, is the hardware resource as the operation processor that supports the multi-currency deposit task for managing the data of the foreign-currency deposits of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- and can establish the interface with the operation unit 35 for the cover deal and the funding if desired, and the MCDD-controller 34 can be connected in real time to the CDF operation unit 35 as the occasion demand (The MCDD-controller 34 is not always required to be connected physically to the CDF operation unit 35, but it is enough that the MCDD-controller 34 can be connected temporally, in real time, to the CDF operation unit 35, where appropriate). Also, the MCDD-controller 34 similarly treats an FX holding balance and a reservation of its cover, in addition to the sign to a counting group system and the preparation for an account settlement. Before the first CHB, the second CHB, the third CHB, ---, the n-th CHB put the deposits in the yen D/As of the MCDD-controller 34, the MCDD-controller 34 must reserve and withdraw the withdrawal balances in the first CHBA-registering unit VA1, the second CHBA-registering unit VA2, ---, n-th CHBA-registering unit VAn, which exist in the VO-manager 33 and settle the foreign currency funds, respectively. To do so, the MCDD-controller 34 establishes an online interface with the VO-manager 33, and the CDF operation unit 35 is connected through the recording unit 38 for the foreign exchange transaction, to the VO-manager 33. After the VO-manager 33 withdraws the data of the balances of the data stored in the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, the data are written through the MCDD-controller 34, to the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn, and the depositing process is carried out. Also, when the first CHB, the second CHB, the third CHB, ---, the n-th CHB request the withdrawals from the MCDD-controller 34, the data of the balances are withdrawn from the data stored in the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn in the MCDD-controller 34, and the VO-manager 33 writes the data of the same money amounts to the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, and puts the deposits. Then, the MCDD-controller 34 transmits messages through the system network to the corresponding first CHB, second CHB, third CHB, ---, n-th CHB and requests to put the deposits in the accounts (yen) of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the CHB.

For this reason, as shown in FIG. 1, the CFXD server 3 includes the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, which serve as the legal person databases of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, respectively, and also includes the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn as associated child accounts that are linked to the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, respectively, which serve as the legal-person account databases. Then, the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn are communicably connected through the MCDD-controller 34, to the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, via the system network.

In this way, the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn, which serve as the associated child accounts provided in the CFXD server 3, are linked through the system network to the accounting processes of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB. Thus, the account process results can be transmitted from the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, to #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, respectively. The arithmetic processing for the general ledger of the CFXD server 3 is executed in linkage to the contents stored in the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn, which serve as the legal-person account databases in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, respectively, and the first CHBA database VAM1, the second CHBA database VAM2, ---, the n-th CHBA database VAMn are in on-balance. However, the arithmetic processing for the general ledger of the CFXD server 3 is not linked to the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn, which serve as the associated child accounts. Hence, the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn are in off-balance.

As its logical structure is shown in FIG. 4, the CDF operation unit 35 includes: a FX-transaction information memory 352, which receives and stores the FX transaction information, such as the FX transaction information of #11 customer (P₁₁), the FX transaction information of #21 customer (P₂₁), the FX transaction information of #31 customer (P₃₁), --- (omission of middle portions) ---, the FX transaction information of #n1 customer (P_n1) and the like; an identical-foreign-currency classification processor 353 that is connected to the FX-transaction information memory 352 and classifies the FX transaction information, and selects the identical foreign currency; a first identical-foreign-currency-transaction (IFCT) memory 354a that is connected to an output side of the identical-foreign-currency classification processor 353 and stores the FX transaction information of a first foreign currency; a second identical-foreign-currency-transaction (IFCT) memory 354b for storing the FX transaction information of a second foreign currency; a third identical-foreign-currency-transaction (IFCT) memory 354c for storing the FX transaction information of a third foreign currency; --- ; a first identical rate-transaction classification (IRTC) processor 355a, a second identical rate-transaction classification (IRTC) processor 355b, a third identical rate-transaction classification (IRTC) processor 355c, ---, which are connected to the first identical-foreign-currency-transaction (IFCT) memory 354a, the second identical-foreign-currency-transaction (IFCT) memory 354b, the third identical-foreign-currency-transaction (IFCT) memory 354c, ---, respectively, and classify and select the FX transaction information of the identical exchange-rate; a first identical exchange-rate transaction (IERT) memory 356a that is connected to an output side of the first identical rate-transaction classification (IRTC) processor 355a and stores the FX transaction information of a first exchange rate, a second IERT memory 356b for storing the FX transaction information of a second exchange rate, a third IERT memory 356c for storing the FX transaction information of a third exchange rate, a fourth IERT memory 356d for storing the FX transaction information of a fourth exchange rate; --- ; a fifth IERT memory 356e that is connected to an output side of the second identical rate-transaction classification (IRTC) processor 355b and stores the FX transaction information of the first exchange rate; a sixth IERT memory 356f for storing the FX transaction information of the second exchange rate; --- ; a first identical period transaction classification (IPTC) processor 357a, a second IPTC processor 357b, a third IPTC processor 357c, a fourth IPTC processor 357d, a fifth IPTC processor 357e, a sixth IPTC processor 357f, ---, which are connected to the first IERT memory 356a, the second IERT memory 356b, the third IERT memory 356c, the fourth IERT memory 356d, the fifth IERT memory 356e, the sixth IERT memory 356f, ---, respectively, and classify and select the FX transaction information in the identical deposit period; a first identical-transaction execution (ITE) unit 358a that is connected to an output side of the first IPTC processor 357a and collects the FX transaction information in a first deposit period and executes the cover deal and the funding; a second identical-transaction execution (ITE) unit 358b for collecting the FX transaction information in a second deposit period and executing the cover deal and the funding; a third identical-transaction execution (ITE) unit 358c for collecting the FX transaction information in a third deposit period and executing the cover deal and the funding; a fourth identical-transaction execution (ITE) unit 358d for collecting the FX transaction information in a fourth deposit period and executing the cover deal and the funding; a fifth identical-transaction execution (ITE) unit 358e that is connected to an output side of the second IPTC processor 357b and collects the FX transaction information in the first deposit period and executes the cover deal and the funding; a sixth identical-transaction execution (ITE) unit 358f for collecting the FX transaction information in the second deposit period and executing the cover deal and the funding; --- ; a processor 351 for determining a transaction timing, a fund task operation unit 359; and a processor 340 for operating a service charge.

With the configuration shown in FIG. 4, the CDF operation unit 35 sorts the FX transaction information of #11 customer (P₁₁), the FX transaction information of #21 customer (P₂₁), the FX transaction information of #31 customer (P₃₁), --- (omission of middle portions) ---, the FX transaction information of #n1 customer (P_n1), which are received and stored by the FX-transaction information memory 352, one or several times per day, for each identical foreign currency, for each identical exchange-rate, and for each identical deposit period, and carries out the arithmetic processing for the cover deal and the funding, in accordance with the flowchart shown in FIG. 5.

(a) After the CDF operation unit 35 has received the FX transaction information, and the FX-transaction information memory 352 has stored the FX transaction information, such as the FX transaction information of #11 customer (P₁₁), the FX transaction information of #21 customer (P₂₁), the FX transaction information of #31 customer (P₃₁), --- (omission of middle portions) ---, the FX transaction information of #n1 customer (P_n1) and the like, at a step S131 in FIG. 5, through the identical-foreign-currency classification processor 353 in the CDF operation unit 35, it is determined whether the FX transaction information includes the identical foreign currency.

(b) After it is determined whether the FX transaction information includes the identical foreign currency through the identical-foreign-currency classification processor 353 at the step S131, at a step S132 in FIG. 5, respective identical foreign currencies are collected. That is, the FX transaction information of a first foreign currency is stored in the first identical-foreign-currency-transaction (IFCT) memory 354a, the FX transaction information of a second foreign currency is stored in the second IFCT memory 354b, the FX transaction information of a third foreign currency is stored in the third IFCT memory 354c, and each of the identical foreign currencies are stored in the respective identical-foreign-currency-transaction memories, and respective identical foreign currencies are collected.

(c) After respective identical foreign currencies are collected at the step S132, at a step S133 in FIG. 5, it is determined whether the FX transaction information includes the information having the identical FX-rate and identical foreign currencies. That is, at the step S133, the first identical rate-transaction classification (IRTC) processor 355a classifies respective identical FX-rate in the FX transaction information of the first foreign currency stored in the first IFCT memory 354a, the second IRTC processor 355b classifies respective identical FX-rate in the FX transaction information of the second foreign currency stored in the second IFCT memory 354b, the third IRTC processor 355c classifies respective identical FX-rate in the FX transaction information of the third foreign currency stored in the third IFCT memory 354c, and it is determined whether the information having the identical FX-rates are included in each of the FX transaction information having the identical foreign currencies.

(d) After it is determined whether the FX transaction information includes the identical FX-rates in the information having the identical foreign currency the step S133, at a step S134 in FIG. 5, respective identical FX-rates sorted in the identical foreign currencies are collected. That is, the FX transaction information of a first identical FX-rates with the first foreign currency is stored in the first IERT memory 356a, the FX transaction information of a second identical FX-rates with the first foreign currency is stored in the second IERT memory 356b, the FX transaction information of a third identical FX-rates with the first foreign currency is stored in the third IERT memory 356c, the FX transaction information of a fourth identical FX-rates with the first foreign currency is stored in the fourth IERT memory 356d, the FX transaction information of a first identical FX-rates with the second foreign currency is stored in the fifth IERT memory 356e, the FX transaction information of a second identical FX-rates with the second FX-rate with the first foreign currency is stored in the sixth IERT memory 356f, and further, although the illustration of the hardware resources are omitted in FIG.4, each of the identical FX-rates in the third identical foreign currencies are stored in the respective IERT memories, and then, each of the identical FX-rates in each of identical foreign currencies are stored in the respective IERT memories, and respective identical FX-rates in each of identical foreign currencies are collected.

(e) After the respective identical FX-rates sorted in each of identical foreign currencies are collected at the step S134, at a step S135 in FIG. 5, it is determined whether the FX transaction information includes information having the identical deposit periods in each of the FX transaction information having the identical FX-rate and the identical foreign currencies. That is, at the step S135, the first IPTC processor 357a classifies respective identical deposit periods in the FX transaction information of the first FX-rate with the first foreign currency stored in the first IERT memory 356a, the second IPTC processor 357b classifies respective identical deposit periods in the FX transaction information of the second FX-rate with the first foreign currency stored in the second IERT memory 356b, the third IPTC processor 357c classifies respective identical deposit periods in the FX transaction information of the third FX-rate with the first foreign currency stored in the third IERT memory 356c, the fourth IPTC processor 357d classifies respective identical deposit periods in the FX transaction information of the fourth FX-rate with the first foreign currency stored in the fourth IERT memory 356d, the fifth IPTC processor 357e classifies respective identical deposit periods in the FX transaction information of the first FX-rate with the second foreign currency stored in the fifth IERT memory 356e, the sixth IPTC processor 357f classifies respective identical deposit periods in the FX transaction information of the second FX-rate with the second foreign currency stored in the sixth IERT memory 356f, and further, although the illustration of the hardware resources are omitted in FIG.4, each of the identical deposit periods are classified in the third identical foreign currencies stored in the respective IERT memories, and then, and it is determined whether the identical deposit periods are included in each of the FX transaction information having the identical FX-rate and the identical foreign currencies.

(f) After it is determined whether the FX transaction information includes the identical deposit periods in each of the transaction information having the identical FX-rates and the identical foreign currency at the step S135, at a step S136 in FIG. 5, the FX transaction information having the identical deposit period, the identical FX-rate and the identical foreign currency are collected so that each of the arithmetic processing for the cover deal and the funding can be separately executed, respectively. That is, the FX transaction information having the first identical deposit period, the first identical FX-rate and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the first identical-transaction execution (ITE) unit 358a, the FX transaction information having the second identical deposit period, the first identical FX-rate and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the second ITE unit 358b, the FX transaction information having the third identical deposit period, the first identical FX-rate and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the third ITE unit 358c, the FX transaction information having the fourth identical deposit period, the first identical FX-rate and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the fourth ITE unit 358d, the FX transaction information having the first identical deposit period, the second identical FX-rates and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the fifth ITE unit 358e, the FX transaction information having the second identical deposit period, the second identical FX-rate and the first foreign currency are collected and the arithmetic processing for the cover deal and the funding is collectively executed by the sixth ITE unit 358f, and further, although the illustration of the hardware resources are omitted in FIG.4, such as the FX transaction information having the third identical FX-rate and the first foreign currency, the FX transaction information having the fourth identical FX-rate and the first foreign currency, the FX transaction information having the first identical FX-rate and the second foreign currency, the FX transaction information having the second identical FX-rate and the second foreign currency, or the FX transaction information having the third foreign currency, are respectively classified and collected so that each of the arithmetic processing for the cover deal and the funding is collectively executed by respective identical-transaction execution (ITE) units, and then, each of the FX transaction information having the identical deposit periods, the identical FX-rates and identical foreign currencies are classified and collected so that so that each of the arithmetic processing for the cover deal and the funding having the identical deposit periods, the identical FX-rates and identical foreign currencies can be separately executed, respectively.

By the way, the hardware configuration shown in FIG. 4 exemplifies the configuration in which the FX transaction information are sorted in parallel for each identical foreign currency, for each identical exchange-rate and for each identical deposit period. However, it is possible to employ a configuration in which the FX transaction information are sorted serially in time sharing for each identical foreign currency, for each identical exchange-rate and for each identical deposit period. If the configuration in which the FX transaction information are serially sorted for each identical foreign currency, for each identical exchange-rate and for each identical deposit period is employed, the hardware configuration is naturally simpler than the configuration shown in FIG. 4, and needless to say, the arithmetic processing for the cover deal and the funding in accordance with the flowchart shown in FIG. 5 can also be executed for the case when the FX transaction information are serially sorted.

Although a flow of the arithmetic processes in which the existence of the identical foreign currency is determined and sorted at first, and next, the existence of the identical FX-rate is judged in each of the FX transaction information having the identical foreign currencies and sorted, and finally, the existence of the identical deposit period is judged in each of the FX transaction information having the identical FX-rate and the identical foreign currencies and sorted, and then, the FX transaction information having the identical deposit period, the identical FX-rate and the identical foreign currency are collected so that each of the arithmetic processing for the cover deal and the funding can be separately executed, respectively is explained, the flowchart illustrated in FIG. 5 is merely an example, and the flow of the arithmetic processes executed in the CDF operation unit 35 shall not be limited to the order of the flowchart illustrated in FIG. 5. For example, another order of the arithmetic processes such that, the existence of the identical foreign currency is judged and sorted at first, and next, the existence of the identical deposit period is determined in each of the FX transaction information having the identical foreign currencies and sorted, and finally, the existence of the identical FX-rate is judged in each of the FX transaction information having the identical deposit period and the identical foreign currencies and sorted, and then, the FX transaction information having the identical FX-rate, the identical deposit period, and the identical foreign currency are collected so that each of the arithmetic processing for the cover deal and the funding can be separately executed, respectively can be used.

In an alternative process, the existence of the identical deposit period is determined and sorted at first, and next, the existence of the identical FX-rate is determined in each of the FX transaction information having the identical deposit period and sorted, and finally, the existence of the identical foreign currency is determined in each of the FX transaction information having the identical FX-rate and the identical deposit period and sorted, and then, the FX transaction information having the identical foreign currency, the identical FX-rate and the identical deposit period are collected so that each of the arithmetic processing for the cover deal and the funding can be separately executed, respectively can be used.

That is, since the permutation of the arithmetic processes for sorting the identical deposit period, the identical FX-rate and the identical foreign currency is calculated as:

₃P₃ = 3! =6,

the order of the arithmetic processes can be freely elected from six permutations of the arithmetic processes.

When an order of the arithmetic processes for sorting, electing, and collecting the identical deposit period, the identical FX-rate and the identical foreign currency is changed from the order illustrated in the flowchart shown in FIG. 5, the logical configuration of the hardware resources illustrated in FIG. 4 shall surely be changed appropriately so as to execute the changed new order of the arithmetic processes.

Using the CDF operation unit 35 whose logical structure is exemplified in FIG. 4, so as to execute the flow of the arithmetic processes illustrated in the flowchart shown in FIG. 5, a large quantity of the FX transaction information can be processed, by sorting and collecting the FX transaction information having the identical deposit period, the identical FX-rate and the identical foreign currency. Then, the cover deals of the foreign currencies of #11 customer (P₁₁), #12 customer (P₁₂), #1m customer (P_1m), #21 customer (P₂₁), #31 customer (P₃₁), at a gross (for each individual transaction) and the tasks of multi-currency interest-arbitrage are jointly executed by the CFXD server 3. Instead of the arithmetic processing of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, the n-th CHB, the CFXD server 3 executes the arithmetic processing. Thus, the arithmetic processing for the cover deals, which are individually executed and small in money amount, are not required in the respective computers B₁, B₂, B₃, B_n in the first CHB, the second CHB, the third CHB, the n-th CHB.

For this reason, the CDFE system pertaining to the embodiment of the present invention can avoid the foreign exchange fluctuation risk without receiving the influence of the foreign exchange fluctuation, and can provide the advantageous effect so that, since the processing operations of the position managements of the foreign exchanges and the interest rates are not required in the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, the simplifications of the arithmetic processing in the computers B₁, B₂, B₃, ---, B_n are achieved. Also, consequently, the efficiencies of the businesses of the first CHB, the second CHB, the third CHB, ---, the n-th CHB are achieved.

Moreover, according to the CDFE system pertaining to the embodiment of the present invention, it is possible to collect the data of the funds of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB and carry out the arithmetic processing for the data quantity of the money amount of the greater unit. Thus, it is possible to expect the larger management gains and returns, as compared with a case in which each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB uniquely carry out the management in the market.

According to the CDFE system pertaining to the embodiment of the present invention, the fund amount to be treated can be made larger. Thus, as the fund amount is larger, portfolios of more kinds can be invested correspondingly thereto, and the risk of the investment can be dispersed. As a result, the loss is decreased, thereby increasing the benefit. The term "portfolio" implies the foreign bond of the multiple-currencies in different countries. For example, in the case of the management of the dollar deposit, even in the fund configured by the single foreign currency such as the dollar, when the fund amount is large, the investment can be carried out while it is dispersed to the different countries, the different kinds (national debts or corporate bonds) and the different periods from the viewpoint of an management strategy. However, when the fund amount is small, it is difficult to invest the bonds of various kinds.

The fund amount that is treated by the CDFE system pertaining to the embodiment of the present invention is large. Thus, as for the period of the investment, not only by the mere combination with the procurement period of the deposit but also by the intentional combination with interest sensitivities (durations), it is possible to aim at efficient management gains. For example, apart from the different managements in which the deposit received as an ordinary deposit is turned over as the ordinary deposit and further the deposit received as a fixed-term deposit is turned over independently as the fixed-term deposit, even in the case of the ordinary deposit, a part thereof can be turned over for a long period. That is, even in the case of the fund collected as the ordinary deposit, by referring to a retention rate and a period structure of an interest rate that are obtained from an empirical rule and the like, it is possible to carry out the management of a high technique such as the management in which the bonds of middle and long periods are purchased and the like.

Also, according to the CDFE system pertaining to the embodiment of the present invention, the CFXD server 3 processes the arithmetic processing of the transactions with the respective #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the first CHB, the second CHB, the third CHB, ---, the n-th CHB singly and grossly. Thus, a larger amount of a service charge benefit can be relatively obtained. As described in the column of the background art, the existing FX-settlement operations uses the SWIFT, which is the foreign currency dealing system that is common in the world, and integrates the telegrams used in the communication between the financial institutions in the bank field. According to the CDFE system pertaining to the embodiment of the present invention, each of the computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB is not required to transmit the command of the settlement instruction to a plurality of banks, differently from the conventional method. Then, the first CHB, the second CHB, the third CHB, ---, the n-th CHB can purchase the foreign currencies only through Bank of Japan financial network system (BOJ-Net) by unifying the settlements into BOJ-Net, which is used by all of banks in Japan for Japan-yen settlement operations, without using the SWIFT. Thus, in addition to the advantageous effect such as the achievements of the higher efficiency and simplicity of the settlement operations, it is possible to provide an advantageous effect that the service charge generated when the SWIFT is used is not required and the respective costs of the first CHB, the second CHB, the third CHB, ---, the n-th CHB can be reduced. By the way, because the BOJ-Net is exemplarily described herein, as described in the beginning of the column of DESCRIPTION OF EMBODIMENTS, the CDFE system pertaining to the embodiment of the present invention is network systems that can be used in the other countries other than Japan, the architecture of the CDFE system can be applied even to the foreign-currency deposits in the other countries.

In the CDFE system pertaining to the embodiment of the present invention, in the VO-manager 33 and the CDF operation unit 35, because the data of the multi-currency ledger are coupled by CHB by CHB, and the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB are scheduled to be transferred with the results after the arithmetic processing of the settlement and the arithmetic processing of the cover dealing and funding are executed inside the CFXD server 3, respectively, in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, the simplifications of the operations such as the settlement-instruction job, the contract-management job, the foreign-currency-settlement account-inspection job and the like, which are related to FX business, are achieved.

For this reason, the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB may serve as input banking terminals to deposit the individual foreign-currency accounts in the CFXD server 3, respectively. Thus, the first CHB, the second CHB, the third CHB, ---, the n-th CHB are not exposed to the market risk/price fluctuation risk. As a result, even from the viewpoint of the Basel regulation, the advantageous effect of the contribution to the improvement of the core capital ratio is provided to the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

The respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB can execute the arithmetic processing of the transactions, in which the storage contents (data) of the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn are used under unique and specific account-identification numbers provided by the CFXD server 3, without disclosing the personal information of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, --- to the CFXD server 3, respectively. Consequently, the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB can transmit the respective goods of the CFXD bank, from the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, to #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, as if the goods were provided by their own bank-services, respectively. Consequently, in the CDFE system pertaining to the embodiment of the present invention, furthermore, with the interest rate of a high competitive power and the number of the foreign currencies, it is possible to acquire the customers and improve the share and also improve the bland presences of the first CHB, the second CHB, the third CHB, ---, the n-th CHB in the financial market.

Conceptual attitudes for objectives of the asset managements and the transactions of the foreign-currency deposits, risks of the asset managements and the transactions of the foreign-currency deposits, and the like are different in each of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---. #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, when considering the transactions of the foreign currency and structured deposits and an investment trust and the like, try to preliminarily know "what types of objectives are existing ?", or "to what extent the degree of risk is acceptable ?" and the like, with respect to the asset management. However, in the CDFE system pertaining to the embodiment of the present invention, the personal information of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- are not disclosed to the CFXD server 3. Thus, the CFXD bank that possesses and runs the CFXD server 3 can make the first CHB, the second CHB, the third CHB, ---, the n-th CHB responsible respectively for the profiling, which determines the risk allowance degrees of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, respectively. When #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- purchase the goods, in accordance with risk scores of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, the first CHB, the second CHB, the third CHB, ---, the n-th CHB shall propose the goods suitable for #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, respectively.

Usually, in order to get and build relationship with personal customers, the financial institution gets the personal information of the subject personal customer in the getting step. For example, when opening the account in the financial institution, the personal customer is required to note the personal information, such as a name, an address, an occupation, an account opening object and the like, on a predetermined application paper and also represent or submit an ID such as a driver' license and the like. Since the items noted on the application paper and the items noted on the ID belong to the personal information, the financial institution has a duty of strictly managing those personal information in view of a law (a personal information protection law, a guide line with regard to a treatment of the personal information or the like that is bulletined by the Financial Services Agency, and a practical pointer). For example, as for the personal information, its use object is limited, and it cannot be used in principle for the object except the scheduled use object. Also, the personal information is required to be updated under an accurate content. Moreover, when the personal information is leaked, its leakage is required to be reported to the concerned authorities (Financial Services Agency), and when the leakage causes the loss to be generated in the personal customer, the compensation for the loss is paid to the customer. According to the CDFE system pertaining to the embodiment of the present invention, the CFXD bank (socket type bank) that possesses and runs the CFXD server 3 can escape from those burdens associated with the obtainment and management of the personal information of the personal customer.

Also, from the request of law compliance, the financial institution is prohibited from transacting with antisocial forces (gang groups and the like). When the personal customer tries to open the account in the financial institution, the financial institution compares the customer with the list of the antisocial forces (the list in which the names of the specified gang groups and their members and the like are noted) held by the financial institution itself or provided by third parties, and rejects the account from being opened if the customer belongs to the antisocial forces. According to the CDFE system pertaining to the embodiment of the present invention, the CFXD bank (socket type bank) that possesses and runs the CFXD server 3 is not required to examine whether or not the personal customer trying to open the account belongs to the antisocial forces.

Moreover, in order to protect money laundering, the financial institution has a duty of confirming the identity of the customer, holding its record and saving the transaction record with the customer, in accordance with a criminal profit protection law. Also, when the transaction executed by the customer is doubted about the profit resulting from a crime, as the doubtful transaction, there is a duty of reporting to the concerned authorities (Financial Services Agency). According to the CDFE system pertaining to the embodiment of the present invention, the CFXD bank (socket type bank) that possesses and runs the CFXD server 3 is not required to confirm the identity of the personal customer, store its record and monitor the transaction executed by the customer and consequently check whether or not the doubtful transaction is executed.

In this way, the CDFE system pertaining to the embodiment of the present invention, because a sequence of the arithmetic processing of all of the transactions, other than the deposit acquirement and the management of the acquired deposit, is completed automatically through the use of the system without any manpower, can implement a seamless business process. Also, the arithmetic processing for foreign-currency reserves management on the side of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB are not required. In particular, at present, the arithmetic processing for foreign-currency reserves managements that are individually executed by the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB are singly executed through the CDFE system, by the CFXD server 3. Thus, the arithmetic processing for the managements on the sides of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB are not required, which enables the improvements of the efficiencies of the businesses of the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

Also, the CDFE system pertaining to the embodiment of the present invention can be achieved only by establishing the interface, which defines the format of transmitting/receiving the data between the respective programs of the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB and the CFXD server 3. Thus, each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB is not required to individually employ staffs for receiving the foreign-currency deposit and establish the CDFE system that requires the investment of hundred million units which is ascribable to the independent and separate development in each bank.

Also, in the CDFE system pertaining to the embodiment of the present invention, the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB can execute the arithmetic processing of the transactions in which the storage contents (data) of the first CHBMCA database PLM1, the second CHBMCA database PLM2, ---, the n-th CHBMCA database PLMn are used under unique and specific account-identification numbers provided by the CFXD server 3, without disclosing the personal information of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, to the CFXD server 3, respectively. Thus, the data quantity treated by the CFXD server 3 is reduced, which enables the high speed process and can reduce the arithmetic processing necessary for the management on the side of the CFXD bank.

Moreover, according to the CDFE system pertaining to the embodiment of the present invention, each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB handles respective personal foreign-currency account as deposit to the CFXD bank (socket type bank) that runs the CDFE system. Thus, each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB is not exposed to the market risk/price fluctuation risk. The foreign-currency deposit acquired by each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB is transferred to the CFXD bank (socket type bank) as a FX managing bank. However, the total asset of each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB is adjusted for the risk, on the basis of the content of deposit. Thus, the core capital required, under assumption that the management quantity of the foreign-currency deposit is equal to marketable securities, is low as compared with the management of marketable securities. In other words, the employment of the CDFE system facilitates the improvement of the core capital ratio. Hence, it is possible to contribute to the corresponding management to the Basel regulation in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

Between the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB and the CFXD server 3, each of the computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB substantially deposits the foreign-currency to the CFXD server 3. Also, management gains and returns of the CDFE system pertaining to the embodiment of the present invention and the benefit of the foreign exchange handling charge are shared between the first CHB, the second CHB, the third CHB, ---, the n-th CHB and the CFXD bank (socket type bank) that possesses and runs the CFXD server 3.

With regard to a net banking, the interfaces specified by the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB are prepared, which enables a configuration in which the CFXD server 3 can have the function similar to the net banking, within the scope proposed by the technical idea of the present invention. Thus, the CDFE system pertaining to the embodiment of the present invention leads to the reinforcement of the net banking, in addition to the jobs serviced at reception desks in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

(METHOD FOR COLLECTIVELY DEALING IN FOREIGN EXCHANGE)
The method for collectively dealing in foreign exchanges pertaining to the embodiment of the present invention will be described below by using a flowchart illustrated in FIGs. 6-9. By the way, the method for collectively dealing in foreign exchanges as described below indicates one example. Within the scope described in claims, various operating/dealing methods other than the method illustrated in FIGs. 6-9 can be naturally achieved, including variations. By the way, the method for collectively dealing in foreign exchanges pertaining to the embodiment of the present invention is explained under an assumption that in advance, a cooperation contract is established between a plurality of first customer-handling bank (first CHB), second customer-handling bank (second CHB), third customer-handling bank (third CHB), ---, n-th customer-handling bank (n-th CHB) and the CFXD bank (socket type bank) which possesses and runs the CFXD server 3, and inside the CFXD server 3, as shown in FIG. 1 to FIGs. 3A and 3B, a first CHBA-registering unit VA1, a second CHBA-registering unit VA2, ---, n-th CHBA-registering unit VAn, and a first CHBA database VAM1, a second CHBA database VAM2, ---, a n-th CHBA database VAMn, and a first MCCHB-registering unit PL1, a second MCCHB-registering unit PL2, ---, a n-th MCCHB-registering unit PLn, and a first CHBMCA database PLM1, a second CHBMCA database PLM2, ---, a n-th CHBMCA database PLMn, and the like are prepared.

(a) At first, at a Step S11, each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB in a first country (e.g. Japan) accesses a checking D/A (Vostro account) in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, which are provided in a subject CFXD bank specified, through the ADW controller 31 in the CFXD server 3, by using a real time gross settlement (RTGS) in the BOJ-Net, and deposit backup funds of a predetermined amount corresponding to investment scales, such as hundred million yen and the like, in each checking D/A (Vostro account). Then, the first CHBA-registering unit VA1, the second CHBA-registering unit VA2, the third CHBA-registering unit VA3, ---, n-th CHBA-registering unit VAn, in the VO-manager 33 in the CFXD server 3 store the deposit data of the respective backup funds in the corresponding first CHB, second CHB, third CHB, ---, n-th CHB, in the first CHBA database VAM1, the second CHBA database VAM2, the third CHBA database VAM3, ---, the n-th CHBA database VAMn, respectively.

(b) Then, when #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m) in the first CHB, and #21 customer (P₂₁) in the second CHB, #31 customer (P₃₁) in the third CHB, ---, and the like, open respectively the multi-currency D/As in the first CHB, the second CHB, the third CHB, ---, the n-th CHB, the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB sequentially transmit the requests for opening the multi-currency D/As to the CFXD server 3, through the use of the telegrams. Then, the MCDD-controller 34 in the VO-manager 33 sequentially installs program products of the first MCCHB-registering unit PL1, to the MCA registering unit MAR11 for #11 customer, the MCA registering unit MAR12 for #12 customer, ---, the MCA registering unit MAR1m for #1m customer, in the inside of the corresponding first MCCHB-registering unit PL1, on the basis of the telegrams sequentially transmitted from the computers B₁, B₂, B₃, ---, B_n, respectively, and, further sequentially installs program products to the corresponding MCA registering unit MAR21 for #21 customer in the inside of the second MCCHB-registering unit PL2. Or, the MCDD-controller 34 assigns the MCA registering unit MAR11 for #11 customer, the MCA registering unit MAR12 for #12 customer, ---, the MCA registering unit MAR1m for #1m customer, the MCA registering unit MAR21 for #21 customer, --- and the like, to each of previously prepared set of program products, as necessary. Then, the first MCCHB-registering unit PL1 opens #11 customer's MCA file MAM11 for #P₁₁ customer in the first CHB, #12 customer's MCA file MAM12 for #P₁₂ customer in the first CHB, ---, #1m customer's MCA file MAM1m for #P_1m customer in the first CHB, through the MCA registering unit MAR11 for #11 customer, the MCA registering unit MAR12 for #12 customer, ---, the MCA registering unit MAR1m for #1m customer, respectively. And further, the second MCCHB-registering unit PL2, ---, and the n-th MCCHB-registering unit PLn open respectively #21 customer's MCA file MAM21 (whose illustration is omitted) for #P21 customer in the second CHB, ---, and the like, through the MCA registering unit MAR21 for #21 customer, ---, and the like, respectively. The first MCCHB-registering unit PL1, the second MCCHB-registering unit PL2, ---, and the n-th MCCHB-registering unit PLn give the identification account numbers to #11 customer's MCA file MAM11 for #P₁₁ customer, #12 customer's MCA file MAM12 for the P₁₂ customer, ---, #1m customer's MCA file MAM1m for #P_1m customer in the first CHB, and #21 customer's MCA file MAM21 (whose illustration is omitted) for #21 customer (P₂₁) in the second CHB, --- and the like, respectively, and manage the identification account numbers. The identification account numbers are prepared and managed by the first MCCHB-registering unit PL1, the second MCCHB-registering unit PL2, ---, and the n-th MCCHB-registering unit PLn, on the basis of the identification codes of the first CHB, the second CHB, ---, and the n-th CHB.

(c) After the completion of the process for opening the multi-currency D/A as mentioned above, for example, under assumption that one US dollar is worth Japanese 90 Yen, let us suppose that #11 customer (P₁₁) in the first CHB desires a fixed-term deposit of ten thousand US dollarss (= nine hundred thousand yens). That is, let us suppose that, at a Step S121, #11 customer (P₁₁) transfers nine hundred thousand yens in a fund of an ordinary D/A of #11 customer (P₁₁), which is deposited in the first CHB, and a corresponding exchange charge to a yen ordinary D/A of #11 customer (P₁₁) in the multi-currency D/A in the subject CFXD bank. Specifically, for example, when a net banking provided in the first CHB is used for transferring, #11 customer (P₁₁) himself carries out the transferring, or when a banking terminal which is provided to the first CHB by the subject CFXD bank is used, a bank staff in the first CHB carries out the transferring at a reception desk of the first CHB. If #11 customer (P₁₁) has sufficient funds in the yen ordinary D/A of #11 customer (P₁₁) in the first CHB, a part of the fund deposited in the yen ordinary D/A of #11 customer (P₁₁) in the first CHB shall be transferred to the yen ordinary D/A of #11 customer (P₁₁) in the multi-currency D/A in the subject CFXD bank. Alternatively, if #11 customer (P₁₁) does not have enough funds in the yen ordinary D/A of #11 customer (P₁₁) in the first CHB, a required amount of yen corresponding to a foreign-exchange deposit money amount and the exchange charge will be newly credited by #11 customer (P₁₁) to the yen ordinary D/A of #11 customer (P₁₁) in the first CHB, or the required amount of yen corresponding to a foreign-exchange deposit money amount and the exchange charge will be transferred from another yen ordinary D/A of #11 customer (P₁₁) in another CHB. Namely, there are many ways for transferring the required amount of yen corresponding to a foreign-exchange deposit money amount and the exchange charge to the yen ordinary D/A of #11 customer (P₁₁) in the multi-currency D/A in the subject CFXD bank. ,

(d) Then, at a Step S122a, deposit-information (transfer-request information) that #11 customer (P₁₁) in the first country (Japan) has deposited (transferred) the distribution currency (yen) in the first country corresponding to a foreign-exchange deposit money amount, which is defined at currency unit (e.g. US dollar) of the distribution currency in a second country (e.g. US) and the exchange charge, to the ordinary D/A of the distribution currency (yen) in the first country which is deposited in the first customer-handling bank (first CHB) in the first country is received by the first MCCHB-registering unit PL1 provided in the inside of the MCDD-controller 34, which is provided in the CFXD server 3. That is, at the step S122a, a transfer-request information is transmitted and identifies that #11 customer (P₁₁) in the first CHB deposits the nine hundred thousand yens to the ordinary D/A in the first CHB and desires to transfer to the multi-currency D/A is transmitted from the computer B₁ in the first CHB to the ADW controller 31 in the CFXD server 3 by an information-processing network, which connects the subject CFXD bank and the first CHB, through the use of a system integration whose security level is high, in substantially real time, and the transfer-request information is further transmitted from the ADW controller 31 to the first MCCHB-registering unit PL1 in the MCDD-controller 34. The first MCCHB-registering unit PL1 stores the data of the nine hundred thousand yens and the exchange charge, through the MCA registering unit MAR11 for #11 customer, in the file of #11 customer's yen account in #11 customer's MCA file MAM11 in the first CHBMCA database PLM1. As for the telegram of the transfer-request information or the like, for example, an XML format may be used.

(e) At a step S124a, the VO-manager 33 transfers the money-amount data of the distribution currency (yen) in the first country in the first CHBA database VAM1, through the MCDD-controller 34, to the data of the distribution currency (yen) account in the first country in #11 customer's MCA file MAM11 in the first CHBMCA database PLM1. That is, at the step S124a, the VO-manager 33 in the CFXD server 3 transfers the data of the nine hundred thousand yens in the first CHBA database VAM1, through the MCA registering unit MAR11 for #11 customer in the first MCCHB-registering unit PL1, to the data of #11 customer's yen account in #11 customer's MCA file MAM11 in the first MCCHB-registering unit PL1, and transfers the nine hundred thousand yens in the checking D/A (Vostro account) in the first CHB, to the yen D/A of #11 customer managed and executed by the MCDD-controller 34 in view of an exchange rate, which is defined at the currency unit of the distribution currency (yen) in the first country and the currency unit (US dollar) of the distribution currency in the second country (US) and rewrites the money-amount data in the distribution currency (yen) account in the first country of #11 customer (P₁₁) in the first CHBMCA database PLM1, to the money-amount data of the distribution currency account (#11 customer first foreign currency account (FCA)) in the second country of #11 customer (P₁₁) in the first CHBMCA database PLM1. As a result, #11 customer (P₁₁) is considered that he has requested the foreign-currency deposit of the ten thousand US dollarss, or the structured deposit of the ten thousand US dollarss, or the like, for the nine hundred thousand yens transferred to the yen D/A of #11 customer that is managed and executed by the MCDD-controller 34. Then, the FX transaction information of #11 customer, which may include the identification number of #11 customer (P₁₁), category and type of the currency, information of the exchange rate, information of the deposit period and the like, is transmitted to the CDF operation unit 35.

(f) Similarly, let us suppose that at the approximately same timing on the same day, for example, #21 customer (P₂₁) in the second CHB desires to transfer the fixed-term deposit of X US dollars (= 90X yens). That is, at a step S121b illustrated in FIG. 7, #21 customer (P₂₁) transfers 90X yens in the fund of the ordinary D/A of #21 customer (P₂₁) that is deposited in the second CHB, and a corresponding exchange charge, to the yen ordinary D/A of #21 customer (P₂₁) in the multi-currency D/A in the subject CFXD bank. Then, the transfer-request information that #21 customer (P₂₁) in the second CHB is desiring to deposit the 90X yens to the ordinary D/A in the second CHB and would like to transfer to the multi-currency D/A is transmitted from the computer B₂ in the second CHB to the ADW controller 31 in the CFXD server 3, by the information-processing network which connects the subject CFXD bank and the second CHB, and further transmitted from the ADW controller 31 to the second MCCHB-registering unit PL2 in the MCDD-controller 34. And, at a step S122b, the transfer-request information is received by the second MCCHB-registering unit PL2, and the second MCCHB-registering unit PL2 stores the data of the 90X yens and a corresponding exchange charge, through the MCA registering unit MAR21 for #21 customer, in the file of #21 customer's yen account in #21 customer's MCA file MAM21 in the second CHBMCA database PLM2. After that, at a step S124b, the VO-manager 33 transfers the data of the 90X yens of the second CHBA database VAM2, through the MCA registering unit MAR21 for #21 customer in the second MCCHB-registering unit PL2, to the data of #21 customer's yen account in #21 customer's MCA file MAM21 in the second CHBMCA database PLM2, and transfers the 90X yens of the checking D/A of the second CHB, to the yen D/A of #21 customer (P₂₁) managed and executed by the MCDD-controller 34. Consequently, for the 90X yens transferred to the yen D/A of #21 customer (P₂₁), which is managed and executed by the MCDD-controller 34, #21 customer (P₂₁) is considered that he has requested the foreign-currency deposit of X US dollars, or structured deposit of X US dollars. Then, the FX transaction information of #21 customer, which may include the identification number of #21 customer (P₂₁), category and type of the currency, information of the exchange rate, information of the deposit period and the like, is transmitted to the CDF operation unit 35.

(g) Similarly, let us suppose that at the approximately same timing on the same day, for example, #31 customer (P₃₁) in the third CHB desires to transfer the fixed-term deposit of Y US dollars (= 90Y yens). That is, at a step S121c illustrated in FIG. 8, #31 customer (P₃₁) transfers the 90Y yens in the fund of the ordinary D/A of #31 customer (P₃₁), which is deposited in the third CHB, and a corresponding exchange charge, to the yen ordinary D/A of #31 customer (P₃₁) in the multi-currency D/A in the subject CFXD bank. Then, the transfer-request information that #31 customer (P₃₁) in the third CHB is desiring to deposit the 90Y yens in the ordinary D/A in the third CHB and would like to transfer to the multi-currency D/A is transmitted from the computer B₃ in the third CHB to the ADW controller 31 in the CFXD server 3, by the information-processing network which connects the subject CFXD bank and the third CHB, and further transmitted from the ADW controller 31 to the third MCCHB-registering unit PL3 for the third CHB (whose illustration is omitted) in the MCDD-controller 34. And, at a step S122c, the transfer-request information is received by the third MCCHB-registering unit PL3, and the third MCCHB-registering unit PL3 for the third CHB (whose illustration is omitted) stores the data of the 90Y yens and a corresponding exchange charge, through the MCA registering unit MAR31 for #31 customer (whose illustration is omitted), in the file of #31 customer's yen account in #31 customer's MCA file MAM31 (whose illustration is omitted) in the third CHBMCA database PLM3 (whose illustration is omitted). After that, at a step S124c, the VO-manager 33 transfers the data of the 90Y yens of third CHBA database VAM3 (whose illustration is omitted), through the MCA registering unit MAR31 for #31 customer (whose illustration is omitted) in the third MCCHB-registering unit PL3 for the third CHB (whose illustration is omitted), to the data of #31 customer's yen account in #31 customer's MCA file MAM31 (whose illustration is omitted) in the third CHBMCA database PLM3 (whose illustration is omitted), and transfers the 90Y yens of the checking D/A in the third CHB, to the yen D/A of #31 customer (P₃₁) managed and executed by the MCDD-controller 34. Then, for the 90Y yens transferred to the yen D/A of #31 customer (P₃₁) that is managed and executed by the MCDD-controller 34, #31 customer (P₃₁) is considered that he has requested the foreign-currency deposit and structured deposit of Y US dollars. Then, the FX transaction information of #31 customer, which may include the identification number of #31 customer (P₃₁), category and type of the currency, information of the exchange rate, information of the deposit period and the like, is transmitted to the CDF operation unit 35 --- (omission of middle portions) ---. Similarly, at a step S121f illustrated in FIG. 9, #n1 customer (P_n1) transfers 90Z yens in the fund of the ordinary D/A of #n1 customer (P_n1), which is deposited in the n-th CHB, and a corresponding exchange charge, to the yen ordinary D/A of #n1 customer (P_n1) in the multi-currency D/A in the subject CFXD bank. Then, the transfer-request information that #n1 customer (P_n1) in the n-th CHB is desiring to deposit the 90Z yens in the ordinary D/A in the n-th CHB and would like to transfer to the multi-currency D/A is transmitted from the computer B₁ in the n-th CHB to the ADW controller 31 in the CFXD server 3, by the information-processing network which connects the subject CFXD bank and the n-th CHB, and further transmitted from the ADW controller 31 to the n-th MCCHB-registering unit PLn in the MCDD-controller 34. And, at a step S122f, the transfer-request information is received by the n-th MCCHB-registering unit PLn, and the n-th MCCHB-registering unit PLn stores the data of the 90Z yens and a corresponding exchange charge, through the MCA registering unit MARn1 for #n1 customer, in the file of #n1 customer's yen account in #n1 customer's MCA file MAMn1 in the n-th CHBMCA database PLMn. After that, at a step S124f, the VO-manager 33 transfers the data of the 90Z yens of the n-th CHBA database VAMn, through the MCA registering unit MARn1 for #n1 customer in the n-th CHBMCA database PLMn, to the data of #n1 customer's yen account in #n1 customer's MCA file MAMn1 in the n-th CHBMCA database PLMn, and transfers the 90Z yens of the checking D/A in the n-th CHB, to the yen D/A of #n1 customer (P_n1) managed and executed by the MCDD-controller 34. Then, for the 90Z yens transferred to the yen D/A of #n1 customer (P_n1) that is managed and executed by the MCDD-controller 34, #n1 customer (P_n1) is considered that he has requested the foreign-currency deposit of Z US dollars, or the structured deposit of Z US dollars. Then, the FX transaction information of #n1 customer, which may include the identification number of #n1 customer (P_n1), category and type of the currency, information of the exchange rate, information of the deposit period and the like, is transmitted to the CDF operation unit 35.

(h) At a step S13, the CDF operation unit 35 sorts the FX transaction information of #11 customer (P₁₁), the FX transaction information of #21 customer (P₂₁), the FX transaction information of #31 customer (P₃₁), --- (omission of middle portions) ---, the FX transaction information of #n1 customer (P_n1), which are received, one or several times per day, for example, two times per day, and for each identical foreign currency, for each identical exchange-rate, and for each identical deposit period, by using the logical circuit structure shown in FIG. 4, and carries out the arithmetic processing for cover deal and fund management, which corresponds to the money amount of the distribution currency account in the second country (US), between the first country (Japan) and the second country (US). In the above example, the currencies and the exchange rates are assumed to be common between #11 customer (P₁₁), #21 customer (P₂₁) and #31 customer (P₃₁). Thus, when the deposit periods of #11 customer (P₁₁), #21 customer (P₂₁) and #31 customer (P₃₁) are equal, the FX transactions of #11 customer (P₁₁), #21 customer (P₂₁) and #31 customer (P₃₁) are collected to execute simultaneously the arithmetic processing for the cover dealing and fund management. In the case of the arithmetic processing for the fund-management jobs, for example, when #11 customer (P₁₁) puts the US dollar fixed-term deposit of an interest rate of 1% and when the bank purchases a bill of the U.S. Treasury of the interest rate of 4% and consequently calculates the fund, the bank can get the interest rate corresponding to 3%, and the arithmetic processing required to arbitrate the interest rate as mentioned above can be executed. In this way, the MCDD-controller 34 transmits the data of the foreign currency holding balance to the CDF operation unit 35 one time or several times per day, and the CDF operation unit 35 carries out the processes for the cover dealing and fund management. When #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- prepare the foreign-currency deposits from the yen D/As of the multi-currency D/As, FX service charges, which are contracted and defined between #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- and the first CHB, the second CHB, the third CHB, ---, the n-th CHB, are generated. That is, when a current day account is closed, the MCDD-controller 34 transmits the data of the foreign currency holding balance of the current day to the CDF operation unit 35, and the CDF operation unit 35 carries out the processes for the cover dealing and fund management and confirms the data of the exchange charges. On the other hand, when the foreign-currency deposit is cancelled, the foreign-currency deposits of the first CHB, the second CHB, the third CHB, ---, the n-th CHB to the CFXD server 3 are firstly cancelled. At that time, the FX service charges contracted and defined between the first CHB, the second CHB, the third CHB, ---, the n-th CHB and the CFXD server 3 are generated. Next, this foreign-currency deposit is transferred and deposited to the yen D/A of the multi-currency D/A. At that time, the FX service charges contracted and defined between #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- and the first CHB, the second CHB, the third CHB, ---, the n-th CHB are generated. An inspection of the cover dealing and fund managing transaction executed at the step S13 are carried out within the current day. Although the illustration is omitted in the flowchart illustrated in FIG. 6, each of #11 customer (P₁₁), #12 customer (P₁₂), #1m customer (P_1m), #21 customer (P₂₁), and #31 customer (P₃₁) receives corresponding transaction reports with notifications that the cover dealings and fund managing transactions are completed at the step S13.

(i) At a step S14, the first CHB, the second CHB, the third CHB, ---, the n-th CHB transfer the shortfalls of the backup funds in the inside of the respective checking deposits (Vostro deposits), namely, the nine hundred thousand yens deposited by #11 customer (P₁₁) in the first CHB, the 90X yens deposited by #21 customer (P₂₁) in the second CHB, the 90Y yens deposited by #31 customer (P₃₁) in the third CHB, --- (omission of middle portions) ---, the 90Z yens deposited by #n1 customer (P_n1) in #n1 CHB, through the BOJ-Net and the ADW controller 31 in the CFXD server 3, to the checking D/As (Vostro accounts) in the first CHB, the second CHB, the third CHB, ---, the n-th CHB which are provided in the subject CFXD bank, respectively, as necessary. Then, the first CHBA-registering unit VA1, the second CHBA-registering unit VA2, ---, the n-th CHBA-registering unit VAn, in the VO-manager 33 in the CFXD server 3 use the deposit data, respectively, and rewrite the deposit data of the backup funds in the corresponding first CHBA database VAM1, second CHBA database VAM2, third CHBA database VAM3, ---, n-th CHBA database VAMn, to the current deposit data, respectively. Consequently, the backup funds in the inside of the checking deposits (Vostro accounts) in each of the first CHB, the second CHB, the third CHB, ---, the n-th CHB are kept at the predetermined money amounts of the originally set backup fund values.

(j) On the evening of the day when the step S121a, the step S121b, the step S121c, ---, the step S121f are executed, at a step S15, the first CHBA-registering unit VA1, the second CHBA-registering unit VA2, CHBA-registering unit VA3, ---, the n-th CHBA-registering unit VAn in the VO-manager 33 in the CFXD server 3 record the accounts of the transactions executed on that day, to the corresponding first CHBA database VAM1, second CHBA database VAM2, third CHBA database VAM3, ---, n-th CHBA database VAMn, respectively. The account of the transaction and the transaction for each execution of the cover dealing are described as "one piece", in each of the first CHBA database VAM1, the second CHBA database VAM2, third CHBA database VAM3, ---, the n-th CHBA database VAMn. At the end of the day, the MCDD-controller 34 transmits the data of the holding balance for each bank, for each deposit period and for each currency to the CDF operation unit 35. Then, the CDF operation unit 35 prepares for the cover holding balance in the market and confirms a spread until this time. For example, when the cover deal is executed for each of "One American Dollar = 83 Yen, Time Deposit of 3 Months, and 10 deposits", this transaction is described as one piece. For example, the checking deposit balance of the first CHB after closing becomes 99,one hundred thousand yens = ten thousand US dollarss. The foreign-currency deposit of ten thousand US dollarss is accounted as a debt in the subject CFXD bank, and accounted as a property in the first CHB, and the holding balance of the foreign currency is written to a partner account.

(k) The MCDD-controller 34 transmits an entry telegram to the VO-manager 33, for updating account book. The VO-manager 33 collects and compares the data of the account in a batch process at the end of the day and calculates and writes up the dairy interest rate. The foreign currency interest rate ascribable to the FX holding balance is transmitted to the CDF operation unit 35, from the VO-manager 33, at the end of the day. The CDF operation unit 35 carries out the preparation for the cover holding balance. The individual transactions, which are executed by #11 customer (P₁₁) in the first CHB, #21 customer (P₂₁) in the second CHB, #31 customer (P₃₁) in the third CHB, ---, #n1 customer (P_n1) in the n-th CHB, respectively, are recorded and separately transmitted to the computers B₁, B₂, B₃, ---, B_n in the corresponding first CHB, second CHB, third CHB, ---, n-th CHB, respectively, at a step S16. Also, when there is the withdrawal from the yen deposit of the multi-currency D/A, the MCDD-controller 34 transmits a deposit-request telegram to the computers B₁, B₂, B₃, ---, B_n of the corresponding first CHB, second CHB, third CHB, ---, n-th CHB, through the use of the XML telegram. Anyhow, after the computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB receive the deposit-request telegrams from the MCDD-controller 34, the corresponding first CHB, second CHB, third CHB, ---, n-th CHB perform the depositing processes on the yen D/As of the corresponding #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---. The holding balance of the fixed-term deposit processed by the MCDD-controller 34 may be transmitted to an integrating system of a web base that carries out various treasury businesses such as the bond, the foreign exchange, a short-time money market, a derivative, a risk management and the like, on next day, and the integrating system of the web base may transmit the telegram to the VO-manager 33, for updating account books of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- or may prepare for the cover holding balance in the market.

(l) By the way, at a step S17, the arithmetic processing for the jobs such as deduction of withholding taxes of the D/As or the like are executed by the MCDD-controller 34, and the results of the arithmetic processing are transmitted from the CFXD server 3, to the respective computers B₁, B₂, B₃, ---, B_n in the corresponding first CHB, second CHB, third CHB, ---, n-th CHB. The report-sending unit 37 in the CFXD server 3 transmits the transaction report data, the operational transaction data, the original data of the balance report and the like for #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, to the respective computers B₁, B₂, B₃, ---, B_n in the corresponding first CHB, second CHB, third CHB, ---, n-th CHB. Then, the transaction report data, the operational transaction data, the original data of the balance report and the like can be used in updating account books and making up transaction reports of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), ---, #21 customer (P₂₁), ---, #31 customer (P₃₁), ---.

As mentioned above, in the method for collectively dealing in foreign exchanges pertaining to the embodiment of the present invention in which one example is exemplified by using the flowchart illustrated in FIG. 6, the personal information of #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- are not transferred from the computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB to the CFXD server 3 at all. For this reason, the arithmetic processing in the CFXD server 3 is performed on #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, on the basis of: the identification information (identification account numbers) assigned by the CFXD server 3; and the CHB codes for identifying the first CHB, the second CHB, the third CHB, ---, the n-th CHB. The account inspection task for the fund and foreign currency is carried out in the partner accounts of the first CHB, the second CHB, the third CHB, ---, the n-th CHB in the CFXD server 3. At the time of the contraction between the first CHB, the second CHB, the third CHB, ---, the n-th CHB and their #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---, a compatibility confirmation job, a legal document delivery job and the like that are required by the Financial Instruments Exchange Law are attributed to the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

Also, in the CDFE system pertaining to the embodiment of the present invention, the MCDD-controller 34 is operationally linked to the CDF operation unit 35, which also serves as the system for managing the holding balance of the foreign currency. The CDF operation unit 35 and the MCDD-controller 34 have functions for passing the foreign-currency account to the first CHBA database VAM1, the second CHBA database VAM2, third CHBA database VAM3, ---, the n-th CHBA database VAMn in the CFXD server 3. The yen fund depositing to the first CHBA database VAM1, the second CHBA database VAM2, the third CHBA database VAM3, ---, the n-th CHBA database VAMn in the CFXD server 3 is processed by the Bank of Japan RTGS and accounted as the debt of the CFXD server 3. As for the profit-and-loss accounts of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, by using the data of the first CHBA database VAM1, the second CHBA database VAM2, the third CHBA database VAM3, ---, the n-th CHBA database VAMn in the CFXD server 3, the first CHBA-registering unit VA1, the second CHBA-registering unit VA2, the third CHBA-registering unit VA3---, the n-th CHBA-registering unit VAn in the VO-manager 33 perform the arithmetic processing.

As mentioned above, according to the CDFE system pertaining to the embodiment of the present invention, the brand name of a CFXD bank (socket type bank), which possesses and runs the CFXD server 3, is not disclosed to #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), ---. Absolutely, just like the own goods and the own services attributed to the first CHB, the second CHB, the third CHB, ---, the n-th CHB, respectively, it is possible to provide the foreign-currency deposit services for #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the first CHB, the second CHB, the third CHB, ---, the n-th CHB. The CDFE system pertaining to the embodiment of the present invention can achieve a foreign-currency deposit service similar to the business of the global bank, which has, for example, a high foreign-currency position in the market, and the CFXD server 3 can transmit arithmetic processing results for business process, which are executed by the CFXD server 3, to the respective computers B₁, B₂, B₃, ---, B_n in the first CHB, the second CHB, the third CHB, ---, the n-th CHB. Thus, just like the own goods of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in the first CHB, the second CHB, the third CHB, ---, the n-th CHB can receive the services based on the advantageous power for the foreign currency and the excellent technique for the foreign currency management. Moreover, a interest rate having high competitive power and a large number of foreign currencies lead to the improvements of the customer share and the respective presences of the first CHB, the second CHB, the third CHB, ---, the n-th CHB. Here, "the foreign-currency deposit service" may includes a foreign currency liquid deposit, a foreign currency fixed-term deposit, a structured deposit related to the foreign currency, a service associated with interest rate and handling charge that are provided to #11 customer (P₁₁), #12 customer (P₁₂), ---, #1m customer (P_1m), #21 customer (P₂₁), ---, #31 customer (P₃₁), --- in their deposits, and the like.

Also, the foreign-currency deposit through the use of the method for collectively dealing in foreign exchanges pertaining to the embodiment of the present invention can implement highly-profitable and lucrative goods for the first CHB, the second CHB, the third CHB, ---, the n-th CHB. The profit from the foreign-currency deposit can be shared between the first CHB, the second CHB, the third CHB, ---, the n-th CHB and the CFXD bank that possesses and runs the CFXD server 3. With the profit sharing, the foreign-currency deposit promotion supports to the first CHB, the second CHB, the third CHB, ---, the n-th CHB from the CFXD bank are substantially guaranteed. By the way, the foreign-currency deposit promotion support may include a seminar support for the customers of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, a research information for the customers and the bank staffs, a study meeting for the bank staffs; and the like. Since the research information related to the foreign exchange for the bank staffs in the CFXD bank and the global market is provided to the bank staffs of the first CHB, the second CHB, the third CHB, ---, the n-th CHB, it is possible to expect the improvement of the added values for the bank staffs in the first CHB, the second CHB, the third CHB, ---, the n-th CHB.

(PROGRAM PRODUCT DEALING IN THE FOREIGN EXCHANGE)
The series of the operations in the method for collectively dealing in foreign exchanges shown in FIG. 6 can be executed by controlling the CFXD server 3 shown in FIG. 1, through the use of the program product of an algorism equivalent to the flow-chart illustrated in FIG. 6. This program product may be stored in a computer-readable recording medium through a program storage driver (whose illustration is omitted) in the computer system that implements the CFXD server 3 of the present invention. Also, by storing the program product in the computer-readable recording medium and then reading the computer-readable recording medium through the program storage driver in the CFXD server 3, it is possible to execute the series of the operations of the method for collectively dealing in foreign exchanges of the present invention. Here, "the computer-readable recording medium" indicates the medium that can record the program product, for example, an external memory device of computers, a semiconductor memory, a magnetic disc, an optical disc, a magnetic optical disc, a magnetic tape or the like. Specifically, a flexible disc, a CD-ROM, a MO disc, a cassette tape, an open reel tape and the like may be included in "the computer-readable recording medium". For example, the main body of the CFXD server 3 can be organized such that a flexible disc device (flexible disc drive) and an optical disc device (optical disc drive) are built therein or externally connected. By inserting the flexible disc into the flexible disc drive from its insertion port or inserting the CD-ROM into the optical disc drive from its insertion port and then performing a predetermined reading out operation, it is possible to store the program products in those computer-readable recording media through the program storage driver that implements the CFXD server 3. Also, by connecting a predetermined driving device, it is possible to use ROM as a memory device that is used in, for example, a game pack or the like or to use the cassette tape as a magnetic tape device. Moreover, the program product can be installed, through the information-processing network, such as the Internet and the like, into the computer-readable recording media.

(OTHER EMBODIMENT)
As mentioned above, the present invention has been described on the basis of the embodiment of the present invention. However, the discussions and drawings that constitute a part of this disclosure should not be understood to limit the present invention. From the disclosure, the various variation embodiments, implementations and management techniques would be evident for one skilled in the art.

For example, as illustrated in FIG. 10, between the step S123a and the step S124a, which have also been illustrated in FIG. 6, a step S123a can be inserted so as to confirm whether the first CHBA database VAM1, being provided as a Vostro account database, stores the money-amount data of the distribution currency (yen) in the first country corresponding to the money amount of the foreign-currency deposit.

That is, in the flow of processes in accordance with the flowcharts illustrated in FIGs. 10-13, at a step S123a, the balance-confirming processor 331 in the VO-manager 33 in the CFXD server 3 carries out the process for confirming whether or not the first CHBA database VAM1 has the data corresponding to the nine hundred thousand yens of the money amount corresponding to the foreign-currency deposit, at the step S123a (in order to exchange this nine hundred thousand yens for ten thousand US dollars in the future).

Although a step S121b is hidden under the panel of the step S12a in the flowchart illustrated in FIG. 10, at the step S121b illustrated in FIG. 11, when #21 customer (P₂₁) in the second CHB desires to transfer the fixed-term deposit of X US dollars (= 90X yens), after the transfer-request information that #21 customer (P₂₁) in the second CHB is desiring to deposit the 90X yens to the ordinary D/A in the second CHB and would like to transfer to the multi-currency D/A is received at a step S122b, through the second MCCHB-registering unit PL2 in the MCDD-controller 34, the data of the 90X yens and a corresponding exchange charge, are stored in the file of #21 customer's yen account in #21 customer's MCA file MAM21 in the second CHBMCA database PLM2, at a step S123b, the balance-confirming processor 331 in the VO-manager 33 in the CFXD server 3 carries out the process for confirming whether or not the second CHBA database VAM2 has the data corresponding to the 90X yens of the money amount corresponding to the foreign-currency deposit. After that, at a step S124b, the VO-manager 33 transfers the data of the 90X yens of the second CHBA database VAM2, through the MCA registering unit MAR21 for #21 customer in the second MCCHB-registering unit PL2, to the data of #21 customer's yen account in #21 customer's MCA file MAM21 in the second CHBMCA database PLM2, and transfers the 90X yens of the checking D/A of the second CHB, to the yen D/A of #21 customer (P₂₁) managed and executed by the MCDD-controller 34.

Furthermore, although a step S121c is hidden under the panel of the step S12a in the flowchart illustrated in FIG. 10, at the step S121c illustrated in FIG. 11, when #31 customer (P₃₁) in the third CHB desires to transfer the fixed-term deposit of Y US dollars (= 90Y yens), after the transfer-request information that #31 customer (P₃₁) in the third CHB is desiring to deposit the 90Y yens in the ordinary D/A in the third CHB and would like to transfer to the multi-currency D/A is received at a step S122c, through the third MCCHB-registering unit PL3 for the third CHB (whose illustration is omitted) in the MCDD-controller 34, the data of the 90Y yens and a corresponding exchange charge are stored, through the MCA registering unit MAR31 for #31 customer (whose illustration is omitted), in the file of #31 customer's yen account in #31 customer's MCA file MAM31 (whose illustration is omitted) in the third CHBMCA database PLM3 (whose illustration is omitted), at a step S123c, the balance-confirming processor 331 in the VO-manager 33 in the CFXD server 3 carries out the process for confirming whether or not third CHBA database VAM3 (whose illustration is omitted) has the data corresponding to the 90Y yens of the money amount corresponding to the foreign-currency deposit. After that, at a step S124c, the VO-manager 33 transfers the data of the 90Y yens of third CHBA database VAM3 (whose illustration is omitted), through the MCA registering unit MAR31 for #31 customer (whose illustration is omitted) in the third MCCHB-registering unit PL3 for the third CHB (whose illustration is omitted), to the data of #31 customer's yen account in #31 customer's MCA file MAM31 (whose illustration is omitted) in the third CHBMCA database PLM3 (whose illustration is omitted), and transfers the 90Y yens of the checking D/A in the third CHB, to the yen D/A of #31 customer (P₃₁) managed and executed by the MCDD-controller 34, and similarly, when #n1 customer (P_n1) desires to deposit the 90Z yens in the ordinary D/A in the n-th CHB and would like to transfer to the multi-currency D/A, the transfer-request information that #n1 customer (P_n1) in the n-th CHB is desiring to deposit the 90Z yens in the ordinary D/A in the n-th CHB and would like to transfer to the multi-currency D/A is received at a step S122f, through the n-th MCCHB-registering unit PLn in the MCDD-controller 34, the data of the 90Z yens and a corresponding exchange charge are stored, through the MCA registering unit MARn1 for #n1 customer, in the file of #n1 customer's yen account in #n1 customer's MCA file MAMn1 in the n-th CHBMCA database PLMn, at a step S123f, the balance-confirming processor 331 in the VO-manager 33 in the CFXD server 3 carries out the process for confirming whether or not the n-th CHBA database VAMn has the data corresponding to the 90Z yens of the money amount corresponding to the foreign-currency deposit. After that, at a step S124f, the VO-manager 33 transfers the data of the 90Z yens of the n-th CHBA database VAMn, through the MCA registering unit MARn1 for #n1 customer in the n-th CHBMCA database PLMn, to the data of #n1 customer's yen account in #n1 customer's MCA file MAMn1 in the n-th CHBMCA database PLMn, and transfers the 90Z yens of the checking D/A in the n-th CHB, to the yen D/A of #n1 customer (P_n1) managed and executed by the MCDD-controller 34.

As stated above, the flowchart illustrated in FIGs. 6-9 is a mere example, and including the variation illustrated in FIGs. 10-13, various operating/dealing methods other than the method illustrated in FIGs. 6-9 can be naturally achieved. Furthermore, as the series of the operations in the method for collectively dealing in foreign exchanges shown in FIGs. 6-9 can be executed by controlling the CFXD server 3 shown in FIG. 1, through the use of the program product of the algorism equivalent to the flow-chart illustrated in FIGs. 6-9, similarly, the series of the operations in the method for collectively dealing in foreign exchanges shown in FIGs. 10-13 can be executed by controlling the CFXD server 3 shown in FIG. 1, through the use of a computer program product of an algorithm equivalent to the flow-chart illustrated in FIGs. 10-13.

In particular, in the already-mentioned explanations of the embodiment of the present invention, the case in which the CFXD server 3 in the CDFE system is provided in Japan and also the regional banks and the like in Japan are mainly targeted is exemplarily explained. However, the subject case is consistently exemplified for the convenience of the explanation. Of course, the CDFE system proposed by the present invention can be used in the other countries other than Japan. When the schemes and technical ideas of the CDFE system pertaining to the embodiment of the present invention as mentioned above, the collective-FX-dealing server that is used in the CDFE system, and the method for collectively dealing in foreign exchanges are applied to the foreign-currency deposits in the other countries, the term of "Japan" in the above explanations may be replaced with the country name of the other country, and the change may be properly added correspondingly to the distribution currency (official currency) of the country and/or the circumstances of the financial field. Also, even if the regional banks and the like in Japan are mainly targeted, the CFXD server 3 in the CDFE system pertaining to the embodiment of the present invention is not required to be physically provided in Japan.

In this way, the present invention naturally includes the various embodiments and the like that are not described herein. Thus, the technical scope of the present invention is determined only by "the matter defining the invention" according to the claims, in view of the reasonable features, which can be readable and understandable from the above explanations.

The instant invention can be applied to industrial fields of money and banking. Especially the present invention can be applied to industrial fields of global finance systems, which deal in FXs with multiple-currencies.

Reference Sign List

3 collectively-foreign-exchange dealing server (CFXD server)
31 account-deposit-and-withdrawal controller (ADW controller)
32 processor for getting exchange rate
33 VO-manager
34 multi-currency-deposit dealing controller (MCDD controller)
35 cover-deal-and-funding operation unit (CDF operation unit)
36 receiver for receiving transaction instruction
37 report-sending unit
38 foreign-exchange-transaction recording unit
331 balance-confirming processor
340 service charge calculation processor
351 processor for determining transaction timing
352 FX-transaction information memory
353 identical-foreign-currency classification processor
354a first identical-foreign-currency-transaction (IFCT) memory
354b second identical-foreign-currency-transaction (IFCT) memory
354c third identical-foreign-currency-transaction (IFCT) memory
355a first identical rate-transaction classification (IRTC) processor
355b second identical rate-transaction classification (IRTC) processor
355c third identical rate-transaction classification (IRTC) processor
356a first identical exchange-rate transaction (IERT) memory
356b second identical exchange-rate transaction (IERT) memory
356c third identical exchange-rate transaction (IERT) memory
356d fourth identical exchange-rate transaction (IERT) memory
356e fifth identical exchange-rate transaction (IERT) memory
356f sixth identical exchange-rate transaction (IERT) memory
357a first identical period transaction classification (IPTC) processor
357b second identical period transaction classification (IPTC) processor
357c third identical period transaction classification (IPTC) processor
357d fourth identical period transaction classification (IPTC) processor
357e fifth identical period transaction classification (IPTC) processor
357f sixth identical period transaction classification (IPTC) processor
358a first identical-transaction execution (ITE) unit
358b second identical-transaction execution (ITE) unit
358c third identical-transaction execution (ITE) unit
358d fourth identical-transaction execution (ITE) unit
358e fifth identical-transaction execution (ITE) unit
358f sixth identical-transaction execution (ITE) unit
359 fund task operation unit

Claims

A computer implemented method for collectively dealing in foreign exchanges, comprising:
receiving a transfer-information that a customer has made a deposit of a distribution currency in a first country, amount of which corresponds to a foreign-currency deposit defined on a basis of a currency unit of a distribution currency in a second country, with a corresponding exchange charge, in an ordinary deposit account in the first country, the ordinary deposit account is assigned in a first customer-handling bank, by a registering unit configured to register multiple-currency account for the first customer-handling bank, the registering unit is provided in a controller configured to deal with multi-currency deposits, the controller is provided in a collective-FX-dealing server;
by a vostro-account manager provided in the collective-FX-dealing server, transferring the money-amount data of the distribution currency in the first country in a first customer-handling bank's account database, through a controller configured to deal with the multi-currency deposit, to data in an account-file of the distribution currency of the first country, the account-file is assigned in a first customer-handling bank's multi-currency-account database;
in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and the currency unit of the distribution currency in the second country, rewriting the money-amount data in the account-file of the distribution currency in the first country in the first customer-handling bank's multi-currency-account database to money-amount data of an account-file of the distribution currency in the second country in the first customer-handling bank's multi-currency-account database; and
being associated with the rewriting, by an operation unit for cover deal and funding, provided in the collective-FX-dealing server, carrying out arithmetic processing for cover deal and fund management, which corresponds to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country,
wherein, the collective-FX-dealing server carries out arithmetic processing necessary for FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country.
The method of claim 1, wherein, in a predetermined time, if there is a FX transaction of another customer characterized by the identical exchange-rate, the identical deposit period and the identical foreign currency as the FX transaction of the customer, the operation unit executes the step of carrying out the arithmetic processing for cover deal and fund management, by collecting the FX transaction of the identical exchange-rate, the identical deposit period and the identical foreign currency.
The method of claim 1 or 2, further comprising:
preliminarily storing data of backup funds of predetermined money amounts, respectively, through the vostro-account manager, at the currency unit of the distribution currency in the first country, in a plurality of customer-handling bank's account databases separately provided in the collective-FX-dealing server as respective Vostro account databases, by a plurality of customer-handling banks including the first customer-handling bank.
The method of claim 3, further comprising:
transmitting data corresponding to shortfalls in the backup funds from computers in the plurality of customer-handling banks to respective Vostro account databases, respectively.
The method of claim 4, further comprising:
recording settlements of accounts of the FX transactions executed on a day to the respective Vostro account databases for the customer-handling banks by the vostro-account manager.
A server collectively dealing in foreign exchanges, comprising:
a plurality of customer-handling bank's account databases serving as respective Vostro account databases for a plurality of customer-handling banks, configured to preliminarily store data of backup funds of predetermined money amounts;
a vostro-account manager configured to manage data stored in the plurality of customer-handling bank's account databases;
a plurality of customer-handling bank's multi-currency-account databases, respectively assigned to the plurality of customer-handling banks, being disposed separately from each other, in each of which money-amount data of a plurality of distribution currencies including money-amount data of a distribution currency in a first country and money-amount data of a distribution currency in a second country differing from the first country, are sorted for each customer;
a controller configured to deal with multi-currency deposits, in which, when the plurality of customer-handling bank's multi-currency-account databases are managed independently and the vostro-account manager confirms that a particular customer-handling bank's account database stores the money-amount data of the distribution currency in the first country which corresponds to a foreign-currency deposit, the money-amount data of the distribution currency in the first country in the particular customer-handling bank's account database is transferred through the vostro-account manager to the data of a account-file of the distribution currency in the first country of a particular customer in the particular customer-handling bank's multi-currency-account database, and further in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and a currency unit of the distribution currency in the second country, the money-amount data in the account-file of the distribution currency in the first country of the particular customer in the particular customer-handling bank's multi-currency-account database is rewritten to the money-amount data in an account-file of the distribution currency in the second country of the particular customer in the particular customer-handling bank's multi-currency-account database; and
an operation unit for cover deal and funding, configured to carry out arithmetic processing for cover deal and fund management, which correspond to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country, in linkage to the rewriting step,
wherein arithmetic processing necessary for a FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country of the particular customer is executed.
The server of claim 6, wherein, in a predetermined time, if there is a FX transaction of another customer characterized by the identical exchange-rate, the identical deposit period and the identical foreign currency as the FX transaction of the customer, the operation unit executes arithmetic processing for cover deal and fund management, by collecting the FX transaction of the identical exchange-rate, the identical deposit period and the identical foreign currency.
The server of claim 6 or 7, wherein respective computers possessed by the plurality of customer-handling banks transmit data of backup funds in predetermined amounts to the plurality of customer-handling bank's account databases, respectively, at the currency unit of the distribution currency in the first country through the vostro-account manager.
The server of claim 8, wherein the respective computers possessed by the plurality of customer-handling banks transmit the data corresponding to the shortfalls in the backup funds to respective the Vostro account databases, respectively.
The server of claim 9, wherein the vostro-account manager records settlements of accounts of the FX transactions executed on a day to the Vostro account database for the customer-handling banks.
A program product stored in a non-transitory computer-readable recording medium for collectively dealing in foreign exchanges, comprising:
instructions to receive a transfer-information that a customer has made a deposit of a distribution currency in a first country, amount of which corresponds to a foreign-currency deposit defined on a basis of a currency unit of a distribution currency in a second country, with a corresponding exchange charge, in an ordinary deposit account in the first country, the ordinary deposit account is assigned in a first customer-handling bank, by a registering unit configured to register multiple-currency account for the first customer-handling bank, the registering unit is provided in a controller configured to deal with multi-currency deposits, the controller is provided in a collective-FX-dealing server;
instructions to transfer the money-amount data of the distribution currency in the first country in a first customer-handling bank's account database, through a controller configured to deal with the multi-currency deposit, to data in an account-file of the distribution currency of the first country, the account-file is assigned in a first customer-handling bank's multi-currency-account database, by a vostro-account manager provided in the collective-FX-dealing server;
instructions to rewrite the money-amount data in the account-file of the distribution currency in the first country in the first customer-handling bank's multi-currency-account database to money-amount data of an account-file of the distribution currency in the second country in the first customer-handling bank's multi-currency-account database, in view of an exchange rate defined on a basis of a currency unit of the distribution currency in the first country and the currency unit of the distribution currency in the second country,; and
instructions to carry out arithmetic processing for cover deal and fund management, which corresponds to the money amount in the account-file of the distribution currency in the second country, between the first country and the second country, being associated with the rewriting, by an operation unit for cover deal and funding, provided in the collective-FX-dealing server,
wherein, the program product drives the collective-FX-dealing server so as to carry out arithmetic processing necessary for FX transaction to the currency unit of the distribution currency in the second country from the currency unit of the distribution currency in the first country.