Information processing systems, information processing methods, and programs

Abstract

The purpose is to enable users to properly configure forward exchange contracts for their transactions. [Solution] The system includes: a transaction information acquisition unit that acquires transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between a target business operator and a trader, and transaction date information indicating the transaction date; a display processing unit that displays a screen on a display unit that includes an exchange rate display area that associates information regarding the payment due date in the second currency for the transaction date and the exchange rate on the payment due date, based on a database in which information regarding the payment due date of the transaction and the exchange rate between the first currency and the second currency are stored in association; and a settlement unit that executes a settlement process for the trader in the second currency on the payment due date, based on the transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area.

Description

Technical Field

[0001] The present invention relates to an information processing system, an information processing method, and a program.

Background Art

[0002] There is known a contract-related information management apparatus that creates foreign exchange reservation data related to a foreign exchange reservation attached to a contract (for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the contract-related information management apparatus described in Patent Document 1, a foreign exchange reservation can be associated with a contract. As a result, the contract-related information management apparatus can appropriately manage the foreign exchange reservation attached to the contract.

[0005] However, the contract-related information management apparatus described in Patent Document 1 cannot set a foreign exchange reservation in a transaction that does not involve an inter-company contract procedure. Therefore, in the contract-related information management apparatus, there arises a problem that a trader cannot avoid the risk of foreign exchange in such a transaction.

[0006] Therefore, an object of the present invention is to provide an information processing system, an information processing method, and a program that can appropriately set a foreign exchange reservation for a user's transaction.

Means for Solving the Problems

[0007] An information processing system according to one aspect of the present invention includes: a transaction information acquisition unit that acquires transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between a target business operator and a trader, and transaction date information which is information indicating the transaction date of the transaction; a display processing unit that displays a screen including an exchange rate display area which associates information regarding the payment due date of the transaction and the exchange rate between the first currency and the second currency, based on a database which stores such information in association with the transaction due date and the exchange rate between the first currency and the second currency; and a settlement unit that performs a settlement process for the settlement to the trader in the second currency on the payment due date, based on the transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area.

[0008] An information processing method according to one aspect of the present invention involves a computer acquiring transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between a target business operator and a trader, and transaction date information indicating the transaction date of the transaction; displaying a screen on a display unit that includes an exchange rate display area associated with information regarding the payment due date of the transaction and the exchange rate between the first currency and the second currency, based on a database in which such information is stored in association with the transaction due date and the exchange rate between the first currency and the second currency; and executing a settlement process with respect to the trader in the second currency on the payment due date, based on the transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area.

[0009] A program according to one aspect of the present invention causes a computer to perform the following actions: acquire transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between a target business operator and a trader, and transaction date information indicating the transaction date of the transaction; display on a display unit a screen including an exchange rate display area that associates information regarding the payment due date of the transaction and the exchange rate between the first currency and the second currency, based on a database in which such information is stored in association with the transaction due date and the exchange rate between the first currency and the second currency; and execute a settlement process with respect to the trader in the second currency on the payment due date, based on the transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area. [Effects of the Invention]

[0010] According to the present invention configured as described above, a forward exchange contract can be appropriately set for the user's transactions. [Brief explanation of the drawing]

[0011] [Figure 1] This figure shows an example of a forward exchange contract system. [Figure 2] This is a diagram showing an example of the foreign exchange database D111. [Figure 3] This figure shows an example of the exchange rate setting database D112. [Figure 4] This is a diagram showing an example of the payment service provider foreign exchange database D113. [Figure 5] This figure shows an example of the transaction list screen T10. [Figure 6] This figure shows an example of the exchange rate display screen T20. [Figure 7] This is a flowchart of the foreign exchange forwarding system's processing. [Figure 8] This figure shows an example of a hardware configuration. [Modes for carrying out the invention]

[0012] Referring to the accompanying drawings, a preferred embodiment of the present invention will be described. FIG. 1 is a diagram showing an overview of processing in a foreign exchange reservation system 10 according to an embodiment of the present invention.

[0013] ===Overview of the foreign exchange reservation system 10 according to the present embodiment=== <<Overview of the configuration>> Referring to FIG. 1, an overview of the configuration of the foreign exchange reservation system 10 will be described. FIG. 1 is a diagram showing an example of the foreign exchange reservation system 10.

[0014] The foreign exchange reservation system 10 is a system that can appropriately apply foreign exchange reservation to transactions between companies (hereinafter referred to as "BtoB transactions") and transactions between a company and a consumer (hereinafter referred to as "BtoC transactions") where foreign exchange reservation has not been conventionally applied.

[0015] Conventionally, for example, in small-scale BtoB transactions and BtoC transactions (for example, transactions of about 1 million to 10 million), there is no mechanism for applying foreign exchange reservation, and a mechanism such as dynamic currency conversion (foreign currency-denominated credit card settlement) where the exchange rate at the time when the transaction occurs is applied is used. Therefore, there is a problem that the user suffers disadvantages due to the influence of the exchange rate.

[0016] Therefore, in the foreign exchange reservation system 10, for example, in BtoB transactions and BtoC transactions in a first currency (for example, "dollar"), when a payment in a second currency (for example, "yen") occurs one month later by credit card settlement or the like, foreign exchange reservation can be applied by the user's selection until the payment due date in the first currency.

[0017] Thus, according to the foreign exchange reservation system 10, it is possible to apply foreign exchange reservation to credit card payments (monthly payments, revolving, etc.) where payments in a second currency occur at a future timing such as one week later or one month later, and debit cards with a one-week payment, so it is possible to avoid the user's disadvantages due to the exchange rate.

[0018] As shown in FIG. 1, the foreign exchange reservation system 10 includes a foreign exchange reservation device 100, a settlement operator device 200, and a trader terminal device 300.

[0019] The foreign exchange reservation device 100 is a device that executes foreign exchange reservations according to a user's selection.

[0020] The settlement operator device 200 is a device of a settlement operator that can process settlements by a user's settlement means. Settlement operators include, for example, credit card operators, fund transfer operators, transportation operators, etc.

[0021] The trader terminal device 300 is a terminal device of a trader.

[0022] In the following, as an example, it will be described that the foreign exchange reservation device 100 and the settlement operator device 200 are different devices, but it is not limited thereto. The foreign exchange reservation device 100 and the settlement operator device 200 may be configured as one device, or the settlement operator device 200 may include at least one functional unit in the foreign exchange reservation device 1​​​​​​​The trader terminal device 300 may be, for example, a smartphone, a mobile phone (feature phone), a personal computer (e.g., a desktop, laptop, tablet, etc.), a media computer platform (e.g., a cable, satellite set-top box, digital video recorder), a handheld computer device (e.g., a PDA (Personal Digital Assistant), an email client, etc.), a wearable device (e.g., glasses-type device, watch-type device), another type of computer, or a communication platform.

[0025] <<Process Overview>> Next, with reference to Figure 1, an overview of the processing of the foreign exchange forward contract system 10 will be described.

[0026] In step S10, the forward exchange contract device 100 obtains information indicating the details of a transaction in a first currency between the business operator involved in the transaction (hereinafter referred to as the "target business operator") and the trader (hereinafter referred to as the "transaction information") from the target business operator, the trader terminal device 300, or the settlement business operator's settlement device 200. In Figure 1, an example is shown in which the transaction information is obtained from the target business operator.

[0027] Target businesses include, for example, businesses that conduct transactions of goods or services with trading partners.

[0028] A trader is, for example, an individual or a business (for example, a corporation or an organization) that conducts transactions with the target business.

[0029] Payment service providers include, for example, banks, credit card companies, and money transfer service providers.

[0030] Transaction information may include, for example, the date and time of the transaction, the currency used in the transaction, the currency used by the user for settlement, the payment amount for the transaction, the settlement amount to the user, the store where the transaction took place, and the transaction identification number.

[0031] In step S11, when the forward exchange contract device 100 obtains transaction information, it displays a screen (for example, the "exchange rate display screen T20" described later) on the display unit of the trader terminal device 300, which includes the exchange rate between the first currency and the second currency, and the commission. The exchange rate display screen T20 will be described later.

[0032] In step S12, the forward exchange contract device 100 obtains, for example, the result of the exchange rate selection by the trader (including information such as the selected exchange rate and fees) from the trader terminal device 300. Hereinafter, the exchange rate selected by the trader will be referred to as the "contracted exchange rate".

[0033] In step S13, the forward exchange contract device 100 performs settlement processing (hereinafter referred to as "settlement processing") with respect to the user in a second currency, based on the forward exchange rate and commission selected by the trader on the payment due date. For convenience, the process of determining the forward exchange rate based on the trader's selection operation will be referred to as "forward exchange contract" below.

[0034] The settlement process is the process of having the settlement service provider perform settlement with the traders. For example, the settlement process involves transmitting transaction information and the reserved exchange rate from the forward exchange contract device 100 to the settlement service provider device 200. As a result, the settlement service provider device 200 settles the transaction based on the reserved exchange rate on the payment due date.

[0035] Furthermore, if the forward exchange contract device 100 and the settlement service provider device 200 are the same device, the settlement process involves the settlement service provider executing settlement with the trader on the payment due date based on the transaction information and the reserved exchange rate.

[0036] ===Foreign Exchange Hedging Device 100=== The foreign exchange forwarding device 100 will be described with reference to Figures 1 to 3.

[0037] The foreign exchange forwarding device 100 includes a storage unit 110, a transaction information acquisition unit 120, a foreign exchange information acquisition unit 130, a display processing unit 140, and a settlement unit 150.

[0038] The storage unit 110 stores various types of information. The storage unit 110 includes the exchange rate database D111, the exchange rate setting database D112, and the settlement business exchange rate database D113. In the following description, the exchange rate database D111, the exchange rate setting database D112, and the settlement business exchange rate database D113 are each described as being composed of separate databases, but this is not limited to this arrangement, and they may be composed of a single database.

[0039] Refer to Figure 2 to explain the exchange rate database D111. Figure 2 is a diagram showing an example of the exchange rate database D111. The exchange rate database D111 is a database for presenting exchange rates to users (such as traders or representatives of companies that have conducted transactions, and hereafter sometimes simply referred to as "traders").

[0040] As shown in Figure 2, the foreign exchange database D111 includes items such as [Exchange ID], [First Currency], [Second Currency], [Payment Period], [Exchange Rate], and [Fees].

[0041] [Exchange Rate ID] is an item that stores unique identification information for the exchange rate.

[0042] [Primary Currency] is an item that stores information that identifies the primary currency, which is the currency used by the trader during the transaction.

[0043] [Second Currency] is an item that stores information that identifies the second currency that the transaction will use when making a payment.

[0044] [Payment Period] is an item that stores the period from the current time to the payment due date.

[0045] The [Exchange Rate] field stores the exchange rate on the payment due date relative to the current exchange rate. For example, the [Exchange Rate] field may also store the fluctuation range of the exchange rate on the payment due date relative to the current exchange rate (e.g., "¥ + 20 yen / dollar"). The exchange rate may also be set based on a base currency.

[0046] [Fees] is an item that stores the fee for the exchange rate. The fee is set to be higher the longer the period between the date of the transaction in the first currency and the payment due date of the transaction. The fee may also be set based on the conversion fee to the base currency.

[0047] Refer to Figure 3 to explain the exchange rate setting database D112. Figure 3 is a diagram showing an example of the exchange rate setting database D112. The exchange rate setting database D112 is a database that manages exchange rates and other information set by traders.

[0048] As shown in Figure 3, the exchange rate settings database D112 includes items such as [User ID], [User Information], [Transaction Amount], [First Currency], [Second Currency], [Payment Period], [Exchange Rate], and [Fees].

[0049] [User ID] is an item that stores unique identification information that identifies the user who set the exchange rate. [User Information] is an item that stores the user's personal information. [Transaction Amount] is an item that stores information indicating the transaction amount of the transaction with the target business. [First Currency] is an item that stores information that identifies the first currency that the trader uses when making a transaction. [Second Currency] is an item that stores information that identifies the second currency that the trader uses when making a payment. [Payment Period] is an item that stores the period from the current time to the payment due date. [Set Exchange Rate] is an item that stores the exchange rate set by the trader. [Fee] is an item that stores the fee for the set exchange rate.

[0050] The settlement service provider foreign exchange database D113 will be explained with reference to Figure 4. Figure 4 is a diagram showing an example of the settlement service provider foreign exchange database D113. The settlement service provider foreign exchange database D113 is a database used to present the exchange rate corresponding to the settlement service provider (hereinafter referred to as the "settlement service provider exchange rate") to the transaction when executing the advance payment processing described later.

[0051] As shown in Figure 4, the payment service provider foreign exchange database D113 includes items such as [payment service provider ID], [name], [first currency], [second currency], [payment period], [exchange rate], and [fees].

[0052] [Payment Service Provider ID] is an item that stores identification information that uniquely identifies the payment service provider. [Name] is an item that stores the name of the payment service provider. [First Currency] is an item that stores information that identifies the first currency that the transaction will use at the time of the transaction. [Second Currency] is an item that stores information that identifies the second currency that the transaction will use at the time of payment. [Payment Period] is an item that stores the period from the current time to the payment due date. [Exchange Rate] is an item that stores the payment service provider's exchange rate corresponding to the payment service provider on the payment due date. [Fee] is an item that stores the fee for the exchange rate on the payment due date.

[0053] Furthermore, the settlement service provider foreign exchange database D113 may set preferential exchange rates or fees for specific traders or settlement service providers.

[0054] The transaction information acquisition unit 120 acquires transaction information. The transaction information acquisition unit 120 may, for example, acquire transaction information from the trader terminal device 300, from the terminal device (not shown) of the trading partner, or from the settlement business device 200. Alternatively, the forward exchange contract device 100 may acquire the transaction information by referencing the settlement business device 200 via an API (Application Programming Interface).

[0055] Here, transaction information will include, for example, transaction amount information and transaction date information.

[0056] Transaction value information is information that shows the transaction value of a transaction between a trading company and a trading party in a first currency. Specifically, transaction value information is information that shows the transaction value of goods traded in US dollars, the first currency, for a total of $10,000.

[0057] Transaction date information is information indicating the date of a transaction in a first currency between a trading entity and a trading party. Specifically, transaction date information is information indicating the date (which may include time information) of a transaction in which goods were traded at 12:00 on January 1, 2024.

[0058] The exchange rate information acquisition unit 130 acquires the exchange rate between the first currency and the second currency. The exchange rate information is stored in the exchange rate database D111. The exchange rate information acquisition unit 130 may, for example, acquire the exchange rate from the payment service provider device 200, from an FX (Foreign Exchange) business or a virtual currency exchange business, from an exchange rate published by a bank or credit card brand, or from an exchange rate set based on user input. Figure 1 shows an example where the exchange rate is acquired from the payment service provider device 200.

[0059] The display processing unit 140 generates information for displaying various types of information on the display unit. Specifically, the display processing unit 140 displays the transaction list screen T10 and the exchange rate display screen T20 on the display unit.

[0060] The transaction list screen T10 will be explained with reference to Figure 5. Figure 5 is a diagram showing an example of the transaction list screen T10. The transaction list screen T10 displays the trader's transactions and allows the user to select the transactions to be included in the forward exchange contract. This improves user convenience by allowing the user to easily select the transactions they wish to include in the forward exchange contract.

[0061] The transaction list screen T10 includes, for example, a transaction selection area T11 and a selection execution button T12.

[0062] The transaction selection area T11 includes the transaction date display area T11a, the transaction amount display area T11b, and the selected object T11c.

[0063] The transaction date display area T11a is the area where each transaction date is displayed. The transaction amount display area T11b is the area where each transaction amount is displayed in relation to the transaction date. The selection object T11c is an object that accepts user selection operations. The selection object T11c may be designed to allow multiple selections by the user.

[0064] The selection execution button T12 is a button that is activated when the user selects an object T11c. When the forward exchange contract holder 100 receives user input for at least one selection execution button T12, it determines that a transaction to be subject to a forward exchange contract has been selected and transitions the screen to the forward exchange display screen T20 for the transaction selected by the user.

[0065] The exchange rate display screen T20 will be explained with reference to Figure 6. Figure 6 is a diagram showing an example of the exchange rate display screen T20. The exchange rate display screen T20 is a screen in which the trader can select the exchange rate. This allows the exchange rate forwarding device 100 to improve user convenience by making it easy for the user to select the conditions for the exchange rate forwarding.

[0066] The exchange rate display screen T20 includes, for example, a transaction date display area T21, a transaction amount display area T22, an exchange rate display area T23, and an exchange rate reservation button T24.

[0067] The transaction date display area T21 is the area where each transaction date is displayed. The transaction date of the transaction selected on the transaction list screen T10 is displayed in the transaction date display area T21.

[0068] The transaction amount display area T22 is the area where the transaction amount is displayed. The transaction amount of the transaction selected on the transaction list screen T10 is displayed in the transaction amount display area T22.

[0069] The exchange rate display area T23 includes the payment due date display area T23a, the current exchange rate display area T23b, the candidate exchange rate display area T23c, the fee display area T23d, the converted invoice amount display area T23e, and the selected object T23f.

[0070] The payment due date display area T23a is a display area for displaying the payment due date. As shown in Figure 4, the payment due date display area T23a may contain the number of days based on the transaction date, or it may contain the date indicating the payment due date.

[0071] The current exchange rate display area T23b ​​is a display area that displays the current exchange rate between the first currency and the second currency. The forward exchange contract device 100 may, for example, obtain information on the current exchange rate from an external device (e.g., an FX broker) and display the current exchange rate in the current exchange rate display area T23b.

[0072] The candidate exchange rate display area T23c is a display area that displays the exchange rate that could be the exchange rate on the payment due date between the first currency and the second currency (hereinafter referred to as the "candidate exchange rate"). The forward exchange contract holder 100 displays the candidate exchange rate in the candidate exchange rate display area T23c by referring to the [Exchange Rate] item of the exchange rate database D111, for example. The candidate exchange rate display area T23c may also display an exchange rate that shows the range of fluctuation relative to the current exchange rate, for example, in Figure 4, "¥-20 / dollar", "¥-10 / dollar", "¥+10 / dollar", etc.

[0073] The fee display area T23d is a display area that displays the fee corresponding to the candidate exchange rate on the payment due date. The forward exchange contract device 100 displays the fee in the fee display area T23d by referring to the [Fees] item in the foreign exchange database D111.

[0074] The converted invoice amount display area T23e is a display area that calculates the invoice amount by applying the candidate exchange rate and fees to the transaction amount and displays the invoice amount.

[0075] The selection object T23f is an object that accepts user selection operations.

[0076] The forward exchange reservation button T24 is activated when the user selects an object T23f. When the forward exchange reservation device 100 receives user input for the forward exchange reservation button T24, it determines that a forward exchange reservation has been made and stores the candidate exchange rate selected by the user as the "reserved exchange rate" along with information indicating the fee in the forward exchange setting database D112.

[0077] Furthermore, if multiple transactions are selected on the transaction list screen T10, the display processing unit 140 may display information corresponding to multiple transaction dates in the exchange rate display area T23 of the exchange rate display screen T20. This allows the exchange rate forwarding device 100 to allow the user to set up exchange rate forwarding for multiple transactions at once, thereby improving user convenience.

[0078] After a forward exchange contract is made, the settlement unit 150 performs settlement processing for the trader using the contracted exchange rate and fees selected by the trader.

[0079] Specifically, the settlement unit 150 performs settlement processing for the trader in a second currency on the payment due date, based on the reserved exchange rate and fees, and the trader's transaction amount. At this time, the settlement unit 150 transmits, for example, the reserved exchange rate, fees, and transaction information to the settlement service provider device 200. The settlement service provider device 200 stores the reserved exchange rate and transaction information in the storage unit 220 and, on the payment due date, settles the settlement amount identified from the trader's account, etc., based on the reserved exchange rate, fees, and transaction amount. This makes it possible for the forward exchange contract device 100 to appropriately apply forward exchange contracts even to small transactions of users.

[0080] <<First variation>> The settlement unit 150 may, after a forward exchange contract has been made, perform a process to advance payment to the settlement business operator on the transaction's due date (hereinafter referred to as "advance payment process").

[0081] Advance payment processing is a process in which, for example, the payment of a trader to a settlement provider is advanced based on a predetermined exchange rate and transaction amount between a first currency and a second currency, for the period from when the reserved exchange rate is determined until the payment due date.

[0082] The specified exchange rate may be, for example, the exchange rate agreed upon in advance with the payment service provider, or it may be the exchange rate at the time the advance payment process is executed.

[0083] Specifically, the settlement unit 150 identifies the settlement provider's exchange rate by referring to, for example, the settlement provider's foreign exchange database D113. The settlement unit 150 then applies the identified settlement provider's exchange rate to the transaction amount in the first currency and settles the payment with the settlement provider at the time the user sets up the forward exchange contract, or on a date predetermined by each settlement provider. Subsequently, on the payment due date, the settlement unit 150 settles the invoiced amount in the second currency from the trader's account, etc., based on the forward exchange rate and fees.

[0084] This allows the forward exchange contract device 100 to eliminate the risks associated with forward exchange contracts for settlement operators.

[0085] <<Second variation>> When advance payment processing is performed in the settlement unit 150, the forward exchange contract device 100 may perform processing to secure the guarantee amount from the trader (hereinafter referred to as "guarantee processing").

[0086] Guarantee processing is a process that restricts the transfer of the guarantee amount to the trader's payment account (e.g., a bank account).

[0087] Specifically, the memory unit 110 stores information (not shown) regarding the guarantee amount in the settlement business operator foreign exchange database D113, associating it with the settlement business operator. The settlement business operator foreign exchange database D113 stores conditions related to the guarantee, such as "The guarantee amount will be the same as the transaction amount in the second currency at the current exchange rate."

[0088] Furthermore, the display processing unit 140 may display the guaranteed amount between, for example, the converted invoice amount display area T23e and the selection object T23f on the foreign exchange display screen T20. In addition, the display processing unit 140 may display a consent object (not shown) to obtain the trader's consent to secure the guaranteed amount. The consent object may be, for example, a checkbox or a button.

[0089] The settlement unit 150 receives user input for the consent object, and when the selection object T23f is selected, if the user input for the forward exchange reservation button T24 is received, it executes a process to secure the guaranteed amount for the trader's account (e.g., a bank account). For example, the settlement unit 150 may send a processing request (e.g., a request for account blocking or fund transfer) to the settlement provider to have the settlement provider secure the guaranteed amount for the trader's payment account. Alternatively, for example, the settlement unit 150 may execute the process of securing the guaranteed amount for the trader's payment account directly from the forward exchange reservation device 100.

[0090] This allows the forward exchange contract device 100 to eliminate the risks for the business operator providing the forward exchange contract.

[0091] <<Third variation>> The settlement unit 150 may cancel the forward exchange contract based on user input between the time the forward exchange contract is made and the payment due date. In this case, the settlement unit 150 may make another forward exchange contract based on user input after canceling the previous one.

[0092] Specifically, when the settlement unit 150 receives an input from a trader to cancel a forward exchange contract on the foreign exchange display screen T20 (cancellation button not shown), it deletes the forward exchange contract to be canceled from the foreign exchange setting database D112. At this time, if an advance payment process has been executed for the canceled forward exchange contract, the settlement unit 150 refunds the payment amount related to the advance payment settlement to the trader's payment account.

[0093] This allows the forward exchange contract device 100 to improve convenience for users executing forward exchange contracts.

[0094] ===Payment service provider device 200=== Returning to Figure 1, the settlement service provider device 200 will be described. The settlement service provider device 200 is a device that performs settlement of transactions for traders. As shown in Figure 1, the settlement service provider device 200 includes, for example, a transmitting / receiving unit 210 and a storage unit 220. The transmitting / receiving unit 210 transmits and receives various information. Specifically, the transmitting / receiving unit 302 may transmit exchange rates to the foreign exchange forward exchange device 100. The transmitting / receiving unit 302 may also obtain transaction information and forward exchange rates from the foreign exchange forward exchange device 100. The storage unit 220 stores various information.

[0095] ===Transaction Terminal Device 300=== Referring to Figure 1, the trader terminal device 300 will be described. The trader terminal device 300 is a device for traders to make forward exchange contracts. As shown in Figure 1, the trader terminal device 300 includes, for example, a storage unit 310, a transmitting / receiving unit 320, and a display processing unit 330. The storage unit 310 stores various information. The transmitting / receiving unit 320 transmits and receives various information. Specifically, the transmitting / receiving unit 320 acquires information from the forward exchange contract device 100 for displaying various screens. The transmitting / receiving unit 320 also transmits the selection results of the selection operation by the trader to the forward exchange contract device 100. The display processing unit 330 performs processing to display various screens on the display unit.

[0096] ===Processing Procedure=== The processing flow of the forward exchange contract system 10 will be explained with reference to Figure 7. Figure 7 is a flowchart of the processing of the forward exchange contract system 10. In the following, as an example, the target business will be a company store, the user will be an individual trader, and the processing procedure will be explained when the trader executes a forward exchange contract for one transaction from multiple credit card transactions, and the settlement process is executed by the payment service provider, which is the credit card company, on the payment due date.

[0097] In step S100, the forward exchange contract device 100 directly obtains transaction information from the target business operator. Alternatively, the forward exchange contract device 100 obtains transaction information from the target business operator through the settlement business operator device 200. Figure 7 shows the case where the forward exchange contract device 100 obtains transaction information from the settlement business operator device 200.

[0098] In step 101, the forward exchange contracting device 100 transmits screen information to the trader terminal device 300 for displaying the transaction list screen T10. For example, if the trader terminal device 300 displays the transaction list screen T10 in a browser, the screen information for displaying the transaction list screen T10 is HTML (HyperText Markup Language).

[0099] In step S102, the trader terminal device 300 displays the trade list screen T10 on its display unit. The trader terminal device 300 receives operation input from the trader for, for example, a selection object T11c corresponding to at least one trade (see Figure 5). With at least one selection object T11c selected, the trader terminal device 300 receives operation input from the trader for the selection execution button T12.

[0100] In step S103, the trader terminal device 300 requests a screen display T20 for the exchange rate related to the selected transaction.

[0101] In step S104, the forward exchange contract device 100 refers to the foreign exchange database D111 and identifies at least one candidate exchange rate that may be the exchange rate on the payment due date, based on the transaction date of the selected transaction. The forward exchange contract device 100 identifies the fee corresponding to each candidate exchange rate and calculates the amount to be billed after foreign exchange conversion.

[0102] In step S105, the foreign exchange forwarding device 100 transmits screen information to the trader terminal device 300 for displaying the foreign exchange display screen T20.

[0103] In step S106, the trader terminal device 300 displays the exchange rate display screen T20 on its display unit. The trader terminal device 300 accepts the trader's input for, for example, a selection object T23f corresponding to at least one candidate exchange rate (see Figure 6). With at least one selection object T23f selected, the trader terminal device 300 accepts the trader's input for the exchange rate reservation button T24.

[0104] In step S107, the trader terminal device 300 sets the selected candidate exchange rate as the reserved exchange rate and transmits information (selection result) regarding the reserved exchange rate, fees, and payment due date to the foreign exchange contract device 100.

[0105] In step S108, the forward exchange contract device 100 stores information regarding the reserved exchange rate, fees, and payment due date in the forward exchange setting database D112.

[0106] In step S109, the forward exchange contract device 100 transmits, for example, information regarding the reserved exchange rate, fees, and payment due date, along with transaction information, to the settlement service provider device 200. Note that the processing in step S109 can be described as "settlement processing" when the forward exchange contract device 100 and the settlement service provider device 200 are different devices.

[0107] In step S110, the payment service provider device 200 identifies that the payment due date at the reserved exchange rate has arrived.

[0108] In step S111, the settlement device 200 performs a settlement process with respect to the reserved exchange rate and fees, for example, against the account of the trader.

[0109] This enables the forward exchange contract system 10 to properly execute forward exchange contracts made by traders.

[0110] ===Hardware Configuration=== Referring to Figure 8, an example of the hardware configuration of the foreign exchange forwarding device 100, the settlement service provider device 200, and the trader terminal device 300 will be described. Figure 8 is a diagram showing an example of the hardware configuration.

[0111] As shown in Figure 8, the computer 1000 includes a processor 1001, a memory 1002, a storage device 1003, an input I / F unit 1004, a data I / F unit 1005, a communication I / F unit 1006, and a display unit 1007.

[0112] The processor 1001 is a control unit that controls various processes in the computer 1000 by executing programs stored in the memory 1002.

[0113] Memory 1002 is a storage medium such as RAM (Random Access Memory). Memory 1002 temporarily stores the program code of the program executed by the processor 1001, as well as data required during program execution.

[0114] The storage device 1003 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 1003 stores the operating system and various programs for realizing the above configurations.

[0115] The input interface unit 1004 is a device for receiving input from the user. Specific examples of the input interface unit 1004 include keyboards, mice, touch panels, various sensors, and wearable devices. The input interface unit 1004 may be connected to the computer 1000 via an interface such as USB (Universal Serial Bus).

[0116] The data I / F unit 1005 is a device for inputting data from outside the computer 1000. Specific examples of the data I / F unit 1005 include drive devices for reading data stored on various storage media. The data I / F unit 1005 may also be located outside the computer 1000. In that case, the data I / F unit 1005 would be connected to the computer 1000 via an interface such as USB.

[0117] The communication interface unit 1006 is a device for performing data communication via the Internet N with external devices of the computer 1000, either via wired or wireless connection. The communication interface unit 1006 may also be located outside the computer 1000. In that case, the communication interface unit 1006 is connected to the computer 1000 via an interface such as USB.

[0118] The display unit 1007 is a device for displaying various types of information. Specific examples of the display unit 1007 include liquid crystal displays, organic EL (Electro-Luminescence) displays, and displays for wearable devices. The display unit 1007 may be located outside the computer 1000. In that case, the display unit 1007 is connected to the computer 1000 via, for example, a display cable. Furthermore, if a touch panel is used as the input I / F unit 1004, the display unit 1007 can be integrated with the input I / F unit 1004.

[0119] ===Summary=== <1> The forward exchange contract system 10 includes: a transaction information acquisition unit 120 that acquires transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency (e.g., "dollars") between a target business operator and a trader, and transaction date information indicating the transaction date; a display processing unit that displays a foreign exchange display screen T20 on a display unit, which includes a foreign exchange display area that associates information regarding the payment due date in the second currency for the transaction date and the exchange rate on the payment due date, based on a foreign exchange database D111 in which information regarding the payment due date of the transaction and the exchange rate between the first currency and a second currency (e.g., "yen") are stored in association; and a settlement unit 150 that executes a settlement process for settlement to the trader in the second currency on the payment due date, based on transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the foreign exchange display screen T20 including the foreign exchange display area. As a result, the forward exchange contract system 10 can easily present the conditions of forward exchange contracts to the user, thereby improving user convenience.

[0120] <2> In the foreign exchange contract system 10, the display processing unit 140 displays the transaction date display area T21, which includes the transaction date, on the foreign exchange display screen T20 in the display unit, based on the transaction date information. This allows the foreign exchange contract system 10 to easily present the conditions of the foreign exchange contract to the user, thereby improving user convenience.

[0121] <3> In the forward exchange contract system 10, the transaction information acquisition unit 120 acquires first transaction information, which includes transaction amount information indicating the transaction amount of the first transaction in the first currency between the target business operator and the trader, and transaction date information indicating the transaction date of the first transaction; and second transaction information, which includes transaction amount information indicating the transaction amount of the second transaction in the first currency between the target business operator and the trader, and transaction date information indicating the transaction date of the second transaction. The display processing unit 140 then displays the first transaction and the second transaction information based on the first transaction information and the second transaction information. The system displays a transaction list screen T10 (which may also display the transaction selection area T11 on the exchange rate display screen T20) that includes a transaction selection area T11 on which the user can select transactions 2 and 2. Based on the exchange rate database D111, the system displays an exchange rate display screen T20 on the system, which includes an exchange rate display area T23 that associates information about the payment due date in the second currency for the transaction date corresponding to that transaction with the exchange rate on that payment due date. This allows the user to easily select the transactions they wish to include in the exchange rate contract, thereby improving user convenience.

[0122] <4> In the forward exchange contract system 10, the foreign exchange database D111 stores information regarding the payment due date, the exchange rate, and the foreign exchange fee in association with each other. The display processing unit 140 displays a foreign exchange display area T23 on the display unit that associates information regarding the payment due date, the exchange rate, and the foreign exchange fee on the payment due date of the transaction amount based on the foreign exchange database D111. The settlement unit 150 executes settlement processing for the trader based on the transaction amount information, the reserved exchange rate, and the fee associated with the reserved exchange rate. As a result, the forward exchange contract system 10 can improve user convenience by allowing users to easily select the conditions for forward exchange contracts.

[0123] <5> In the forward exchange contract system 10, the foreign exchange database D111 stores information regarding the payment due date, multiple exchange rates, and the fees associated with each of the multiple exchange rates in association with each other. The display processing unit 140 displays a foreign exchange display area T23 on the display unit, which associates information regarding the payment due date, multiple exchange rates on the payment due date, and the fees corresponding to each of the multiple exchange rates, based on the foreign exchange database D111. The foreign exchange display area T23 displays on the display unit any of the multiple exchange rates on the payment due date that the user can select. When the settlement unit 150 receives a user selection operation for any of the multiple exchange rates on the payment due date, it identifies the selected exchange rate as the reserved exchange rate and executes settlement processing for the trader in the second currency based on the reserved exchange rate and transaction amount information. As a result, the forward exchange contract system 10 can improve user convenience by allowing the user to easily select the conditions for the forward exchange contract.

[0124] <6> In the forward exchange contract system 10, the settlement unit 150 performs an advance payment process to advance the trader's payment to the settlement business operator for the transaction in the first currency, based on a predetermined exchange rate between the first currency and the second currency and transaction amount information, from the time the reserved exchange rate is determined based on the user's input to the exchange rate display area T23 until the payment due date, and on the payment due date, performs a settlement process with the trader based on the transaction amount information and the reserved exchange rate. As a result, the forward exchange contract system 10 can eliminate the risk associated with forward exchange contracts for the settlement business operator.

[0125] <7> In the forward exchange contract system 10, the foreign exchange database D111 stores the payment period, the exchange rate between the first currency and the second currency, and the guaranteed amount in association with each other. The display processing unit 140 displays a foreign exchange display area T23 on the display unit that associates information regarding the payment due date, the exchange rate on that payment due date, and the guaranteed amount, based on the foreign exchange database D111. The foreign exchange display area T23 includes a consent object that accepts the user's consent to the guaranteed amount. The settlement unit 150 executes a guarantee process to secure the guaranteed amount for the trader's payment account based on the consent information obtained based on the user's input to the consent object. This allows the forward exchange contract system 10 to eliminate the risk for the business operator providing the forward exchange contract.

[0126] This embodiment is provided to facilitate understanding of the present invention and is not intended to limit its interpretation. The present invention may be modified or improved without departing from its spirit, and equivalents thereof are also included.

[0127] Furthermore, in the present invention, "part" does not merely mean a physical means, but also includes cases where the functions of that "part" are realized by software. Also, even if the functions of one "part" or device are realized by two or more physical means, devices, or software modules, the functions of two or more "parts" or devices may be realized by one physical means, device, or software module. [Explanation of Symbols]

[0128] 10 Foreign exchange contract system, 100 Foreign exchange contract device, 110 Storage unit, 120 Transaction information acquisition unit, 130 Foreign exchange information acquisition unit, 140 Display processing unit, 150 Settlement unit, 200 Settlement business device, 210 Transmit / receive unit, 220 Storage unit, 300 Trader terminal device, 310 Storage unit, 320 Transmit / receive unit, 330 Display processing unit.

Claims

1. A transaction information acquisition unit acquires transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between the target business operator and the trader, and transaction date information which is information indicating the transaction date of the said transaction. A display processing unit displays a screen on a display unit that includes a currency exchange display area, which associates information about the payment due date of a transaction with the exchange rate between the first currency and the second currency, based on a database in which information about the payment due date of a transaction and the exchange rate between the first currency and the second currency are stored in association. A settlement unit that performs settlement processing with respect to the transaction in the second currency on the payment due date, based on the transaction amount information and a reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area, An information processing system equipped with the following features.

2. The display processing unit displays a transaction date display area including the transaction date on the screen of the display unit based on the transaction date information. The information processing system according to claim 1.

3. The aforementioned transaction information acquisition unit, First transaction information including transaction amount information indicating the transaction amount of the first transaction in the first currency between the target business operator and the aforementioned trader, and transaction date information which is information indicating the transaction date of the first transaction, Second transaction information including transaction amount information indicating the transaction amount of the second transaction in the first currency between the target business operator and the aforementioned trader, and transaction date information which is information indicating the transaction date of the second transaction, Obtain, The display processing unit, Based on the first transaction information and the second transaction information, a screen including a transaction selection area in which the first transaction and the second transaction can be selected is displayed on the display unit. For transactions identified based on user input from the first and second transactions, a screen including a currency exchange display area that associates information regarding the payment due date in the second currency for the transaction date corresponding to the transaction with the exchange rate on that payment due date is displayed on the display unit based on the database. The information processing system according to claim 1 or claim 2.

4. The aforementioned database stores information regarding the payment due date, the exchange rate, and the fees related to the exchange in association with each other. The display processing unit displays the exchange rate display area on the display unit, which associates the information regarding the payment due date, the exchange rate, and the exchange rate fee on the payment due date of the transaction amount, based on the database. The settlement unit performs settlement processing for the trader based on the transaction amount information, the reserved exchange rate, and the commission associated with the reserved exchange rate. The information processing system according to claim 1 or claim 2.

5. The database stores information regarding the payment due date, multiple exchange rates, and the exchange fees associated with each of the multiple exchange rates, in association with each other. The display processing unit, Based on the database, the exchange rate display area, which associates information regarding the payment due date, multiple exchange rates on the payment due date, and the corresponding fees for each of those multiple exchange rates, is displayed on the display unit. The aforementioned exchange rate display area displays one of several exchange rates for the payment due date, allowing the user to select one of them. The settlement unit said above, When the user selects one of several exchange rates on the aforementioned payment due date, the exchange rate selected by the user is identified as the reserved exchange rate. Based on the reserved exchange rate and the transaction amount information, the system performs the settlement process for the transaction in the second currency. The information processing system according to claim 1 or claim 2.

6. The settlement unit said above, From the time the reserved exchange rate is determined based on the user's input to the exchange rate display area until the payment due date, an advance payment process is executed to advance the transactioner's payment to the settlement service provider in the transaction in the first currency, based on a predetermined exchange rate between the first currency and the second currency and the transaction amount information. On the aforementioned payment due date, the settlement process for the aforementioned trader is executed based on the aforementioned transaction amount information and the aforementioned reserved exchange rate. The information processing system according to claim 1.

7. The database stores the payment period, the exchange rate between the first currency and the second currency, and the guaranteed amount in association with each other. The display processing unit displays the exchange rate display area on the display unit, which associates the information regarding the payment due date, the exchange rate on the payment due date, and the guaranteed amount, based on the database. The aforementioned currency display area includes a consent object for receiving the user's consent to the guarantee amount, The settlement unit executes a guarantee process to secure the guarantee amount for the trader's payment account based on the consent information obtained based on the user's operation input to the consent object. The information processing system according to claim 1.

8. Computers To obtain transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between the target business operator and the trader, and transaction date information indicating the transaction date of the said transaction, Based on a database in which information regarding the payment due date of a transaction and the exchange rate between the first and second currencies are stored in association, a screen including an exchange rate display area that associates information regarding the payment due date in the second currency for the transaction date and the exchange rate on that payment due date is displayed on the display unit. Based on the transaction amount information and the reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area, the process of settlement to the trader in the second currency on the payment due date is performed. An information processing method that performs the following.

9. On the computer, To obtain transaction information including transaction amount information indicating the transaction amount of a transaction in a first currency between the target business operator and the trader, and transaction date information indicating the transaction date of the said transaction, Based on a database in which information regarding the payment due date of a transaction and the exchange rate between the first and second currencies are stored in association, a screen including an exchange rate display area that associates information regarding the payment due date in the second currency for the transaction date and the exchange rate on that payment due date is displayed on the display unit. Based on the transaction amount information and the reserved exchange rate which is an exchange rate identified based on user input to the screen including the exchange rate display area, the process of settlement to the trader in the second currency on the payment due date is performed. A program that executes the command.

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