Remittance method, program and information processing device

Abstract

Improve technology related to foreign exchange systems. [Solution] An exchange system 1 comprising a plurality of servers 20 used by a plurality of financial institutions excluding the Bank of Japan, each of the plurality of servers 20 storing information on a plurality of accounts, including deposit accounts in the names of other financial institutions that have been mutually opened between the plurality of financial institutions, and a first server 20A of a first financial institution, upon receiving a first remittance instruction specifying the first financial institution as the remittance source and a second financial institution as the remittance destination, executes a first process to deposit funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server 20A.

Description

[Technical Field]

[0001] The present disclosure relates to a remittance method, a program, and an information processing device. [Background technology]

[0002] Conventionally, there is known a technology related to an exchange system. For example, Patent Document 1 discloses the following: (1) a first bank server transmits a plurality of first detailed data indicating a transfer amount from an account managed by the first bank server to an account managed by the second bank server to a second bank server, and transmits a message to the Zengin System (nationwide bank data communication system) to transfer an amount according to the plurality of first detailed data from a first bank remittance account of the first bank server to a first bank deposit account of the second bank server; (2) the Zengin System processes the message received from the first bank server in real time and transmits a message of the processing result to the second bank server. (3) the second bank server deposits the total amount of the plurality of first detail data into the first bank deposit account of the second bank server based on the message received from the Zengin System, and transfers funds from the first bank deposit account of the second bank server to the customer's account at the second bank based on the plurality of first detail data received from the first bank server; and (4) when the Bank of Japan system receives the difference between receipts and payments calculated for each bank from the Zengin System, it executes a deposit or withdrawal of the Bank of Japan current account between each bank and Zengin Net. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2021-149388 Summary of the Invention [Problem to be solved by the invention]

[0004] According to the above-mentioned conventional technology, a first bank remittance account and a first bank deposit account for temporarily pooling funds are prepared in advance in the first bank server and the second bank server, respectively, and multiple first detail data are aggregated and processed as a single fund transfer from the first bank remittance account in the first bank server to the first bank deposit account in the second bank, thereby reducing the number of messages to be sent to the Zengin System. However, conventional domestic exchange systems, including the above-mentioned conventional technology, are premised on the sending and receiving of messages via the Zengin System.

[0005] Here, for example, consider a case where a remitter (first user) who is a subscriber of a first bank remits money to a deposit account opened at a second bank in the name of a recipient (second user).

[0006] In the conventional domestic money transfer system, when a first bank receives a transfer request from a remitter, it notifies the Zengin System of a transfer instruction message related to that transfer request. The Zengin System then notifies the second bank of the transfer instruction message related to that transfer request. The second bank then deposits the money into the recipient's deposit account based on the transfer instruction notified by the Zengin System. The Zengin System then notifies the Bank of Japan of the difference in the amount received by each bank on each business day. The Bank of Japan then deposits or debits the current accounts of each bank opened with the Bank of Japan. If there is only one transfer request made on a given business day, the amount related to the transfer request will be debited from the current account of the first bank opened with the Bank of Japan, and the same amount will be credited to the current account of the second bank opened with the Bank of Japan. However, the conventional domestic foreign exchange system is based on the assumption that messages are sent and received via the Zengin System, which means that funds cannot be transferred if the Zengin System is unavailable due to a network failure, for example, and there is a time lag before funds transfers are reflected in the current accounts held by each bank at the Bank of Japan.

[0007] Furthermore, conventional foreign exchange systems generally use the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network. Specifically, when a first bank receives a transfer request from a remitter, it notifies another bank that has a correspondent relationship with the first bank of the remittance instructions related to the transfer request. Subsequently, if the other bank has a correspondent relationship with the second bank, it notifies the second bank of the remittance instructions related to the transfer request. If the other bank does not have a correspondent relationship with the second bank, it notifies one of the banks that has a correspondent relationship with the second bank of the remittance instructions related to the transfer request. In this way, in foreign exchange systems using the SWIFT network, the remittance instructions are transmitted from the first bank to the second bank via one or more banks through the correspondent relationships. Finally, the second bank, upon receiving the remittance instructions, deposits the funds into a deposit account in the recipient's name based on the remittance instructions. However, conventional foreign exchange systems have drawbacks, such as the fact that there are banks to which remittances cannot be made due to limited correspondent relationships (i.e., banks that cannot be designated as remittance destinations), and the time lag and increased costs that arise in tracing correspondent relationships.As such, there is room for improvement in conventional exchange systems.

[0008] In view of the above circumstances, the purpose of the present disclosure is to improve the technology related to foreign exchange systems. Note that the present disclosure is not limited to the above circumstances and can be implemented to solve any problem. [Means for solving the problem]

[0009] An exchange system according to an embodiment of the present disclosure includes: A foreign exchange system comprising multiple servers used by multiple financial institutions other than the Bank of Japan, Each of the plurality of servers stores information on a plurality of accounts, including deposit accounts in the names of other financial institutions that are mutually opened between the plurality of financial institutions; When a first server of a first financial institution receives a first remittance instruction specifying the first financial institution as the remittance source and a second financial institution as the remittance destination, the first server executes a first process to deposit funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server.

[0010] The server according to an embodiment of the present disclosure includes: A server used by a first financial institution, a storage unit that stores information on a plurality of accounts, including deposit accounts in the name of the one or more second financial institutions, that are mutually opened between the first financial institution and one or more second financial institutions; a communication unit that receives a first remittance instruction specifying the first financial institution as a remittance source and the second financial institution as a remittance destination; and a control unit that executes a first process of depositing funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the memory unit.

[0011] The management server according to an embodiment of the present disclosure includes: A management server capable of communicating with multiple servers used by multiple financial institutions other than the Bank of Japan, Each of the plurality of servers stores information on a plurality of accounts, including deposit accounts in the names of other financial institutions, which are mutually opened between the plurality of financial institutions; The management server a storage unit for storing information of registered users; Upon receiving a first remittance instruction from the user's terminal device, specifying a first account opened with a first financial institution as the remittance source and a second account opened with a second financial institution as the remittance destination, send to the first server an instruction to execute a first process for transferring funds, the remittance amount specified in the first remittance instruction, from the first account stored in a first server of the first financial institution to a deposit account in the name of the second financial institution; and a control unit that, upon receiving from the first server information indicating the completion of the first process and a second remittance instruction to deposit funds of the remittance amount into the second account, sends to the second server an instruction to execute a second process to deposit funds of the remittance amount into the second account stored in the second server of the second financial institution. [Effects of the Invention]

[0012] According to one embodiment of the present disclosure, techniques relating to currency exchange systems are improved. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a block diagram showing a schematic configuration of an exchange system according to a first embodiment of the present disclosure. [Figure 2] FIG. 2 is a block diagram showing a schematic configuration of a terminal device. [Figure 3] FIG. 2 is a block diagram showing a schematic configuration of a server. [Figure 4] FIG. 10 is a diagram showing a specific example of an opened account. [Figure 5] FIG. 2 is a sequence diagram showing the operation of the currency exchange system according to the first embodiment. [Figure 6] FIG. 10 is a block diagram showing a schematic configuration of an exchange system according to a second embodiment of the present disclosure. [Figure 7] FIG. 2 is a block diagram showing a schematic configuration of a management server. [Figure 8] FIG. 10 is a sequence diagram showing a first example of the operation of the currency exchange system according to the second embodiment. [Figure 9] FIG. 10 is a sequence diagram showing a second example of the operation of the currency exchange system according to the second embodiment. [Figure 10] FIG. 10 is a sequence diagram showing a third example of the operation of the currency exchange system according to the second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, embodiments of the present disclosure will be described.

[0015] (Outline of the first embodiment) An overview of an exchange system 1 according to a first embodiment of the present disclosure will be described with reference to Figure 1. The exchange system 1 includes a terminal device 10 and multiple servers 20. The terminal device 10 and the servers 20 can communicate with each other via a network 30 including, for example, a mobile communication network and / or the Internet.

[0016] The terminal device 10 is any information processing device that can be used by a user. For example, a smartphone, a tablet device, a personal computer (PC), or an automatic teller machine (ATM) can be used as the terminal device 10. While one terminal device 10 is illustrated in FIG. 1 , the currency exchange system 1 may include two or more terminal devices 10. A user can use the terminal device 10 to transfer funds held in their own account or funds deposited in cash to a desired recipient's account. In this embodiment, the "account" is described as a bank account, but is not limited thereto. It may also be any account used for transferring and / or depositing funds, such as a credit card, an electronic wallet, or a user account for a payment service. In this embodiment, the "deposit account" includes any account that holds funds of the account holder, but does not include, for example, an account that temporarily pools funds.

[0017] The server 20 includes one or more information processing devices that can communicate with each other. The server 20 may be a physical server or a virtual server. In this embodiment, the server 20 is used by a bank other than the Bank of Japan. However, this is not limited to this. The server 20 may be used by any financial institution other than the Bank of Japan where an account can be opened. In this embodiment, the "financial institution" may include financial institutions in Japan or overseas. While FIG. 1 illustrates a first server 20A used by a first financial institution and a second server 20B used by a second financial institution, the system 1 may include three or more servers 20. Hereinafter, when the first server 20A and the second server 20B are not particularly distinguished, they will each be simply referred to as the server 20. Note that the foreign exchange system 1 according to this embodiment will be described as being configured without the Bank of Japan, the Zengin System, or the SWIFT network, but this is not limited to this. For example, the foreign exchange system 1 may be configured without the Bank of Japan or the Zengin System, and domestic foreign exchange transactions may be completed without going through the Bank of Japan or the Zengin System. For example, the exchange system 1 may be configured without including the SWIFT network, and may complete foreign exchange transactions without going through the SWIFT network.

[0018] An overview of this embodiment will be described below, and details will be provided later. The currency exchange system 1 includes multiple servers 20 used by multiple financial institutions excluding the Bank of Japan. Each of the multiple servers 20 stores information on multiple accounts, including deposit accounts in the names of other financial institutions that have been mutually opened between the multiple financial institutions. When a first server 20A of a first financial institution receives a first remittance instruction specifying the first financial institution as the sender (i.e., the sending financial institution) and a second financial institution as the destination (i.e., the receiving financial institution), the first server 20A executes a first process to deposit funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server 20A.

[0019] According to the above-described foreign exchange system 1 of this embodiment, mutually opened deposit accounts in the names of other financial institutions are prepared in advance. When a first remittance instruction from a remitter (first user) is sent, for example, from a terminal device 10 to a first server 20A of the first financial institution, funds of the remittance amount specified in the first remittance instruction are deposited into a deposit account in the name of a second financial institution stored in the first server 20A (i.e., opened by the first financial institution). For the second financial institution, the deposit into the deposit account in the name of the second financial institution stored in the first server 20A increases its own assets in real time, and the second financial institution can then deposit the funds in real time into a deposit account in the name of the recipient (second user) stored in the second server 20B (i.e., opened by the second financial institution). Thus, according to this embodiment, domestic foreign exchange transactions do not require the Bank of Japan or Zengin System, and foreign exchange transactions do not require the SWIFT network. Funds can be transferred in real time to complete foreign exchange transactions. Therefore, according to this embodiment, the probability of the above-mentioned inconveniences occurring in the conventional domestic foreign exchange system (foreign exchange transactions via the Zengin system) is reduced in domestic foreign exchange transactions, and the probability of the above-mentioned inconveniences occurring in the conventional foreign exchange system (foreign exchange transactions via the SWIFT network) is reduced in foreign exchange transactions, thereby improving technology related to foreign exchange systems.

[0020] Next, each component of the currency exchange system 1 will be described in detail.

[0021] (Terminal Device Configuration) As shown in FIG. 2, the terminal device 10 includes a communication unit 11, an input / output unit 12, a storage unit 13, and a control unit 14.

[0022] The communication unit 11 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a mobile communication standard such as 4G (4th Generation) or 5G (5th Generation), a wired LAN (Local Area Network) standard, or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the terminal device 10 communicates with the server 20 via the communication unit 11.

[0023] The input / output unit 12 includes one or more output devices that output information so that the user can recognize it, and one or more input devices that detect user operations. An "output device" is, for example, but is not limited to, a display that outputs information as an image, or a speaker that outputs information as audio. An "input device" is, for example, but is not limited to, a physical key, a capacitive key, a touch screen integrated with a display, a microphone that accepts audio input, or a camera. Furthermore, if the terminal device 10 is an ATM, the input / output unit 12 may further include, for example, a deposit / withdrawal device that allows depositing and withdrawing cash.

[0024] The storage unit 13 includes one or more memories. The "memory" may be, for example, a semiconductor memory, a magnetic memory, an optical memory, or the like, but is not limited to these. Each memory included in the storage unit 13 may function as, for example, a main memory device, an auxiliary memory device, or a cache memory. The storage unit 13 stores any information used in the operation of the terminal device 10. For example, the storage unit 13 may store a system program, an application program, embedded software, and the like.

[0025] The control unit 14 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. A "processor" is, for example, but is not limited to, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a predetermined process. A "programmable circuit" is, for example, but is not limited to, an FPGA (Field-Programmable Gate Array). A "dedicated circuit" is, for example, but is not limited to, an ASIC (Application Specific Integrated Circuit). The control unit 14 controls the overall operation of the terminal device 10.

[0026] (Server configuration) As shown in FIG. 3, the server 20 includes a communication unit 21, a storage unit 22, and a control unit .

[0027] The communication unit 21 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a wired LAN standard or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the server 20 communicates with the terminal device 10 via the communication unit 21.

[0028] The storage unit 22 includes one or more memories. Each memory included in the storage unit 22 may function as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 22 stores any information used in the operation of the server 20. For example, the storage unit 22 may store a system program, an application program, a database, and the like.

[0029] In this embodiment, the storage unit 22 stores information on multiple accounts, including deposit accounts mutually opened between multiple financial institutions and held in the names of other financial institutions. When the financial institution is a bank, the "deposit account" may be, for example, a current account, but is not limited to this, and may also be a savings account. For example, the accounts opened at the first financial institution shown in FIG. 4 (i.e., the multiple accounts whose information is stored in the storage unit 22A of the first server 20A) include deposit accounts X11, X12, and X13 whose holders are the first user, the second financial institution, and the third financial institution, respectively. Similarly, the accounts opened at the second financial institution shown in FIG. 4 (i.e., the multiple accounts whose information is stored in the second server 20B) include deposit accounts X21, X22, and X23 whose holders are the second user, the first financial institution, and the third financial institution, respectively. The account information may include, for example, but is not limited to, account number, holder, balance, and transaction history.

[0030] The control unit 23 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. The control unit 23 controls the overall operation of the server 20.

[0031] (Exchange system operation flow) The operation of the currency exchange system 1 according to this embodiment will be described with reference to FIG.

[0032] Step S100: The control unit 14 of the terminal device 10 transmits to the first server 20A a first remittance instruction specifying the first financial institution as the remittance source and the second financial institution as the remittance destination.

[0033] Specifically, the control unit 14 transmits a first remittance instruction, which is determined based on an operation by a first user who is a subscriber of the first financial institution, to the first server 20A via the communication unit 11. The first remittance instruction includes, but is not limited to, information instructing the remittance source, remittance destination, and remittance amount.

[0034] In this embodiment, the remittance source indicated in the first remittance instruction is described as a deposit account X11 in the name of the first user opened by the first financial institution (i.e., stored in the memory unit 22A of the first server 20A), but this example is not limited to this. For example, if the terminal device 10 is an ATM and a cash transfer is being made, the remittance source indicated in the first remittance instruction may be an account in the name of the first financial institution that has been opened in advance by the first financial institution itself. Also, for example, if the first financial institution is not a bank, the remittance source indicated in the first remittance instruction may be any account, such as a credit card or electronic wallet in the name of the first user issued by the first financial institution, or a user account of the first user in a payment service provided by the first financial institution.

[0035] In addition, in this embodiment, the remittance destination indicated in the first remittance instruction is described as a deposit account X21 in the name of the second user opened by the second financial institution (i.e., stored in the memory unit 22B of the second server 20B), but is not limited to this example. For example, if the second financial institution is not a bank, the remittance destination indicated in the first remittance instruction may be any account, such as an electronic wallet in the name of the second user issued by the second financial institution, or a user account of the second user in a payment service provided by the second financial institution.

[0036] In this embodiment, the remittance amount indicated in the first remittance instruction is described as the amount specified by the first user by operating the input / output unit 12, but is not limited to this example. For example, if the first financial institution is located in a first country, the second financial institution is located in a second country, and a foreign exchange transaction is being conducted, the remittance amount indicated in the first remittance instruction may be the amount converted into currency based on the exchange rate between the two countries.

[0037] Step S101: When the control unit 23A of the first server 20A receives the first remittance instruction in step S100, it executes a first process.

[0038] Specifically, when the control unit 23A receives a first remittance instruction from the terminal device 10 via the communication unit 21A, it executes a first process. The "first process" is a process of depositing funds of the remittance amount specified in the first remittance instruction into a deposit account X12 in the name of the second financial institution stored in the first server 20A (storage unit 22A). Any method can be used to deposit funds into the deposit account X12 in the name of the second financial institution. In this embodiment, the control unit 23A is described as transferring funds from a deposit account X11 in the name of the first user stored in the storage unit 22A to a deposit account X12 in the name of the second financial institution. Alternatively, in the case of a cash transfer, the control unit 23A may store in advance in the storage unit 22A information on a deposit account in the name of the first financial institution opened by the first financial institution itself, and transfer funds from that deposit account to a deposit account X12 in the name of the second financial institution. In this embodiment, upon completion of the first process, the balance Y11 of the deposit account X11 in the name of the first user is decreased by the amount of the transfer, and the balance Y12 of the deposit account X12 in the name of the second financial institution is increased by the amount of the transfer.

[0039] The control unit 23A may also update the transaction history Z11 of the deposit account X11 in the name of the first user and the transaction history Z12 of the deposit account X12 in the name of the second financial institution, and accumulate transaction information related to the above fund transfer as history. Specifically, the control unit 23A may accumulate, as transaction histories Z11 and Z12, transaction information including information indicating a transaction ID that can uniquely identify the above fund transfer in the first financial institution, the date on which the fund transfer was performed, the amount of decrease (withdrawal amount) in the balance Y11, the amount of increase (transfer amount) in the balance Y12, and the deposit account X21 in the name of the second user that is the remittance destination.

[0040] Step S102: The control unit 23A of the first server 20A sends information indicating the completion of the first process and a second remittance instruction to deposit funds of the remittance amount to the remittance destination indicated in the first remittance instruction to the second server 20B via the communication unit 21A.

[0041] The second remittance instruction includes, but is not limited to, information indicating the remittance destination and remittance amount. The remittance destination and remittance amount indicated in the second remittance instruction are the same as the remittance destination and remittance amount indicated in the first remittance instruction. In this embodiment, the remittance destination indicated in the second remittance instruction is a deposit account X21 opened in the name of the second user at the second financial institution.

[0042] In addition, in step S102, the control unit 23A may further transmit information indicating the first user who is the remitter (for example, information indicating the name of the first user and / or the deposit account X11 in the name of the first user) to the second server 20B via the communication unit 21A.

[0043] Step S103: Upon receiving the information transmitted from the first server 20A in step S102, the control unit 23B of the second server 20B executes a second process.

[0044] The "second process" is a process of depositing funds of the remittance amount into a deposit account X21 in the name of the second user stored in the second server 20B (storage unit 22B). Any method can be used to deposit funds into the deposit account X21 in the name of the second user. In this embodiment, the control unit 23B is described as having stored in advance in the storage unit 22B information about a deposit account in the name of the second financial institution opened by the second financial institution itself, and transferring funds from that deposit account to the deposit account X21 in the name of the second user. Therefore, upon completion of the second process, the balance of the deposit account in the name of the second financial institution stored in the second server 20B (storage unit 22B) is decreased by the amount of the remittance amount, and the balance Y21 of the deposit account X21 in the name of the second user is increased by the amount of the remittance. Note that the account from which funds are transferred is not limited to a deposit account in the name of the second financial institution, and may be in any name as long as it is a deposit account stored in the second server 20B and holds assets of the second financial institution.

[0045] Furthermore, the control unit 23B may update the transaction history Z21 of the deposit account X21 in the name of the second user and accumulate transaction information related to the above fund transfer as a history. Specifically, the control unit 23B may accumulate, as the transaction history Z21, transaction information including information indicating a transaction ID that can uniquely identify the above fund transfer in the second financial institution, the date on which the fund transfer was performed, the increase in the balance Y21 (transfer amount), and information indicating the first user who is the sender of the funds (such as information indicating the name of the first user and / or the deposit account X11 in the name of the first user).

[0046] As described above, the foreign exchange system 1 of this embodiment is configured without including the Bank of Japan, the Zengin System, or the SWIFT network, and by the above-mentioned operation, foreign exchange transactions can be completed without going through the Bank of Japan or the Zengin System for domestic foreign exchange transactions, and without going through the SWIFT network for foreign exchange transactions.

[0047] (Outline of the second embodiment) An overview of an exchange system 1 according to a second embodiment of the present disclosure will be described with reference to Fig. 6. The exchange system 1 according to this embodiment differs from the first embodiment described above in that it further includes a management server 40. Note that the same components in this embodiment and the first embodiment are denoted by the same reference numerals, and descriptions thereof will be omitted.

[0048] The management server 40 is configured to include one or two or more information processing devices that can communicate with each other. The management server 40 may be a physical server or a virtual server. In this embodiment, the management server 40 is used, for example, by a funds transfer service provider, but is not limited to this and may be used by any business that conducts foreign exchange transactions as a business. In this embodiment, the business that uses the management server 40 is described as providing a membership-based service that allows registered users to remit money using terminal devices 10 such as smartphones, tablet devices, or PCs. The management server 40 is capable of communicating with the terminal devices 10 of registered users and the server 20 via the network 30.

[0049] In the currency exchange system 1 according to this embodiment, the management server 40 can provide, in response to a request from a registered user, at least some of the functions (e.g., balance reference, deposit / withdrawal reference, remittance, account transfer, etc.) provided by the financial institution that holds the user's deposit account. The functions to be provided may be configurable for each user. In this embodiment, remittance will be particularly described. A user can use their own smartphone or the like as the terminal device 10 to remit money via the management server 40 (i.e., by using a service provided by the management server 40), or can use their own smartphone or ATM as the terminal device 10 to remit money without going through the management server 40 (i.e., by using a service provided by a financial institution).

[0050] (Administration Server Configuration) As shown in FIG. 7, the management server 40 includes a communication unit 41, a storage unit 42, and a control unit 43.

[0051] The communication unit 41 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a wired LAN standard or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the management server 40 communicates with the terminal device 10 and the server 20 via the communication unit 41.

[0052] In this embodiment, the management server 40 and the terminal device 10 may be connected to each other via the network 30 so that they can communicate with each other, for example, using a P2P method, or may be connected to each other so that they can communicate with each other via a predetermined relay server. Also, the management server 40 and the server 20 may be connected to each other so that they can communicate with each other using an API provided by the management server 40, or may be connected to each other so that they can communicate with each other via an API gateway.

[0053] The storage unit 42 includes one or more memories. Each memory included in the storage unit 42 may function, for example, as a main storage device, an auxiliary storage device, or a cache memory. The storage unit 42 stores any information used in the operation of the management server 40. For example, the storage unit 42 may store system programs, application programs, databases, etc. Furthermore, when the management server 40 functions as a node of a blockchain, the storage unit 42 may store any information in a block related to the blockchain.

[0054] In this embodiment, the storage unit 42 stores information about each user who has registered as a member for a service provided by a business using the management server 40. The user information includes, for example, a user ID that can uniquely identify the user at the business using the management server 40, a user name, login information for the user to log in to the service provided by the business (e.g., a password and authentication information used for multi-factor authentication), and personal information about the user (e.g., name, age, address, identity verification information), but is not limited to these, and may include any information about the user. The user information may be provided by the user to the business when registering as a member, and may be stored in the storage unit 42. In this embodiment, it is assumed that the first user, who is the remitter, has registered as a member in advance.

[0055] The control unit 43 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. The control unit 43 controls the overall operation of the management server 40.

[0056] (Exchange system operation flow) A first example of the operation of the currency exchange system 1 will be described with reference to Figure 8. In summary, the operation of this first example differs from the first embodiment described above in that a first remittance instruction is sent from the terminal device 10 to the first server 20A via the management server 40. In addition, in this first example, the terminal device 10 will be described as being a smartphone, tablet device, PC, or the like of the first user, rather than an ATM of a financial institution.

[0057] Step S200: The control unit 14 of the terminal device 10 transmits to the management server 40 a first remittance instruction specifying the first financial institution as the remittance source and the second financial institution as the remittance destination.

[0058] Specifically, the control unit 14 transmits a first remittance instruction, determined based on an operation by a first user who is a subscriber of the first financial institution and has registered as a member for a service provided by a business using the management server 40, to the management server 40 via the communication unit 11. The content of the first remittance instruction is the same as that in the first embodiment described above. As described above, communication between the terminal device 10 and the management server may be performed, for example, by a P2P method or via a predetermined relay server.

[0059] Step S201: When the control unit 43 of the management server 40 receives a first remittance instruction from the terminal device 10, the control unit 43 transmits the first remittance instruction to the first server 20A.

[0060] Specifically, the control unit 43 transmits a first remittance instruction to the first server 20A via the communication unit 41. As described above, communication between the management server 40 and the first server 20A may be performed using, for example, an API provided by the management server 40, or may be performed via an API gateway. Here, the control unit 43 may convert the first remittance instruction into a data format used by the first financial institution (a data format that can be processed by the first server 20A) before transmitting it.

[0061] Steps S202-S205: Operations similar to steps S101-S103 in the first embodiment described above are performed.

[0062] Next, a second example of the operation of the currency exchange system 1 will be described with reference to Fig. 9. In summary, the operation of the second example differs from the first embodiment described above in that information indicating the completion of the first process and a second remittance instruction are sent from the first server 20A to the second server 20B via the management server 40.

[0063] Steps S300-S301: Operations similar to steps S100-S101 in the first embodiment described above are performed.

[0064] Step S302: The control unit 23A of the first server 20A sends information indicating the completion of the first process and a second remittance instruction to deposit funds of the remittance amount to the remittance destination indicated in the first remittance instruction to the management server 40 via the communication unit 21A.

[0065] The content of the second remittance instruction is the same as in the first embodiment described above. Also, in step S302, the control unit 23A may further transmit information indicating the first user who is the remitter (for example, information indicating the name of the first user and / or a deposit account X11 in the name of the first user) to the management server 40 via the communication unit 21A, as in the first embodiment described above. Also, communication between the first server 20A and the management server 40 may be performed using, for example, an API provided by the management server 40, or may be performed via an API gateway.

[0066] Step S303: Upon receiving the information transmitted from the first server 20A in step S302, the control unit 43 of the management server 40 transmits information indicating the completion of the first process and a second remittance instruction to the second server 20B.

[0067] Here, the control unit 43 may convert the second remittance instruction into a data format used by the second financial institution (a data format that can be processed by the second server 20B) before transmitting it.

[0068] Step S304: The same operation as step S103 in the first embodiment is performed.

[0069] 10, a third example of the operation of the currency exchange system 1 will be described. In summary, the operation of the third example corresponds to a combination of the first and second examples described above, and both communication between the terminal device 10 and the first server 20A and communication between the first server 20A and the second server 20B are performed via the management server 40.

[0070] Step S400: The same operation as in step S200 described above is performed.

[0071] Step S401: When the control unit 43 of the management server 40 receives the first remittance instruction from the terminal device 10, it transmits an instruction to execute the first process to the first server 20A.

[0072] The "instruction to execute the first process" may be the first remittance instruction itself, or an instruction indicating the content of the first process (i.e., an instruction to deposit funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server 20A).

[0073] Step S402: Upon receiving the instruction to execute the first process, the control unit 23A of the first server 20A executes the first process.

[0074] Step S403: The same operation as in step S302 described above is performed.

[0075] Step S404: Upon receiving the information transmitted from the first server 20A in step S403, the control unit 43 of the management server 40 transmits an instruction to execute the second process to the second server 20B.

[0076] The "instruction to execute the second process" may be information including information indicating the completion of the first process and a second remittance instruction, or may be an instruction indicating the content of the second process (i.e., an instruction to deposit the remittance amount into a deposit account X21 in the name of the second user stored in the second server 20B).

[0077] Step S405: Upon receiving the instruction to execute the second process, the control unit 23B of the second server 20B executes the second process.

[0078] Although the present disclosure has been described based on the drawings and examples, it should be noted that those skilled in the art may make various modifications and alterations based on the present disclosure. Therefore, it should be noted that these modifications and alterations are included in the scope of the present disclosure. For example, the functions included in each component or step can be rearranged so as not to be logically inconsistent, and multiple components or steps can be combined or divided into one.

[0079] In the above-described embodiment, an example has been described in which the exchange system 1 employs a method for completing domestic exchange transactions without going through the Bank of Japan and the Zengin System, and for foreign exchange transactions without going through the SWIFT network. However, an embodiment is also possible in which the exchange system 1 dynamically switches between a method that does not go through the Bank of Japan and the Zengin System and a method that does go through the SWIFT network when performing domestic exchange transactions. Similarly, an embodiment is also possible in which the exchange system 1 dynamically switches between a method that does not go through the SWIFT network and a method that goes through the SWIFT network when performing foreign exchange transactions.

[0080] For example, when the control unit 23A of the first server 20A receives the first remittance instruction, if the score indicating the financial stability of the first financial institution is equal to or greater than a threshold, the control unit 23A may execute a first process similar to the above-described embodiment. If the score is less than the threshold, the control unit 23A may execute a third process instead of the first process, in which the remittance amount is transferred from the first financial institution to the second financial institution using the Zengin System or the SWIFT network. Here, the "score" may be calculated using any method based on indicators such as the capital adequacy ratio, credit rating, and / or non-performing loan balance. Furthermore, the "third process" includes a process of transmitting a message of the first remittance instruction to the Zengin System in the case of a domestic exchange transaction, and a process of transmitting a remittance instruction related to the first remittance instruction to another financial institution that has a correspondent relationship with the first financial institution in the case of a foreign exchange transaction.

[0081] For example, when the control unit 23A of the first server 20A receives a first remittance instruction, if the remittance amount is less than a threshold, it may execute a first process as in the above-described embodiment, and if the remittance amount is equal to or greater than the threshold, it may execute a third process instead of the first process, which transfers funds of the remittance amount from the first financial institution to the second financial institution using the Zengin System or the SWIFT network.

[0082] Also possible is an embodiment in which, for example, a general-purpose computer functions as the server 20 or management server 40 according to the above-described embodiments. Specifically, a program describing the processing content for realizing each function of the server 20 or management server 40 according to the above-described embodiments is stored in the memory of the general-purpose computer, and the program is read and executed by a processor. Therefore, the present disclosure can also be realized as a program executable by a processor, or a non-transitory computer-readable medium that stores the program. [Explanation of symbols]

[0083] 1. Exchange System 10 Terminal Equipment 11 Communications Department 12 Input / output section 13 Storage section 14 Control Unit 20 servers 20A First Server 20B Second Server 21,21A,21B Communication Department 22,22A,22B Storage section 23, 23A, 23B Control section 30 Network 40 Management Server 41 Communications Department 42 Storage section 43 Control Unit

Claims

1. A foreign exchange system comprising multiple servers used by multiple financial institutions other than the Bank of Japan, Each of the plurality of servers stores information on a plurality of accounts, including deposit accounts in the names of other financial institutions that are mutually opened between the plurality of financial institutions; An exchange system in which, when a first server of a first financial institution receives a first remittance instruction specifying the first financial institution as the remittance source and a second financial institution as the remittance destination, it executes a first process to deposit funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the first server.

2. 2. The exchange system according to claim 1, the first remittance instruction includes an instruction to remit a first account opened at the first financial institution as a remittance source; An exchange system in which the first server executes the first process to transfer funds of the remittance amount from the first account stored in the first server to a deposit account in the name of the second financial institution.

3. 3. The exchange system according to claim 2, the first remittance instruction includes an instruction to remit to a second account opened at the second financial institution; a second server of the second financial institution executes a second process of depositing the remittance amount into the second account stored in the second server;

4. 4. The exchange system according to claim 3, further comprising a management server; The management server Stores information about registered users, an exchange system that, upon receiving the first remittance instruction from the user's terminal device, transmits the first remittance instruction to the first server;

5. 5. The exchange system according to claim 4, the first server transmits to the management server information indicating completion of the first process and a second remittance instruction for depositing funds of the remittance amount into the second account; the management server transmits information indicating the completion of the first process and the second remittance instruction to the second server; The second server executes the second process based on the second remittance instruction received from the management server.

6. 4. The exchange system according to claim 3, further comprising a management server; the first server transmits to the management server information indicating completion of the first process and a second remittance instruction for depositing funds of the remittance amount into the second account; the management server transmits information indicating the completion of the first process and the second remittance instruction to the second server; The second server executes the second process based on the second remittance instruction received from the management server.

7. 7. The exchange system according to claim 1, An exchange system that does not include the Bank of Japan or the Nationwide Bank Data Communication System, and completes domestic exchange transactions without going through the Bank of Japan or the Nationwide Bank Data Communication System.

8. 7. The exchange system according to claim 1, An exchange system that is configured without including the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network and completes foreign exchange transactions without going through the SWIFT network.

9. a server used by a first financial institution, a storage unit that stores information on a plurality of accounts, including deposit accounts in the name of the one or more second financial institutions, that are mutually opened between the first financial institution and one or more second financial institutions; a communication unit that receives a first remittance instruction specifying the first financial institution as a remittance source and the second financial institution as a remittance destination; a control unit that executes a first process of depositing funds of the remittance amount specified in the first remittance instruction into a deposit account in the name of the second financial institution stored in the storage unit; A server comprising:

10. A management server capable of communicating with multiple servers used by multiple financial institutions other than the Bank of Japan, Each of the plurality of servers stores information on a plurality of accounts, including deposit accounts in the names of other financial institutions, which are mutually opened between the plurality of financial institutions; The management server a storage unit for storing information of registered users; When a first remittance instruction is received from the user's terminal device, specifying a first account opened with a first financial institution as the remittance source and a second account opened with a second financial institution as the remittance destination, transmitting to the first server an instruction to execute a first process for transferring funds of the remittance amount specified in the first remittance instruction from the first account stored in a first server of the first financial institution to a deposit account in the name of the second financial institution; a control unit that, upon receiving from the first server information indicating the completion of the first process and a second remittance instruction to deposit funds of the remittance amount into the second account, sends to the second server an instruction to execute a second process to deposit funds of the remittance amount into the second account stored in the second server of the second financial institution; A management server comprising:

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