A trust system for managing overseas funds and domestic foreign currency doposits

Abstract

The present invention relates to a trust system for managing overseas funds and domestic foreign currency deposits. To this end, a trust system for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention comprises: a fund manager server that provides a foreign currency operation fund instruction to a bank server; and the bank server including an asset custody system that receives the foreign currency operation fund instruction and an integrated financial system that generates transaction details by currency. The bank server, based on the foreign currency operation fund instruction received from the fund manager server, increases or decreases the balance of the fund, links the asset custody system and the integrated financial system to generate a message regarding the increase or decrease in the fund balance and proceeds with multiple settlements, performs linked processing for incoming remittances that increase the fund balance and outgoing remittances that decrease the fund balance in the integrated financial system, and at the daily closing, can verify whether the funds match between the deposit and withdrawal balance details of each fund and the foreign currency trust account.

Description

Technology Field

[0001] The present invention relates to a trust system for managing overseas funds and domestic foreign currency deposits. Background Technology

[0002] Generally, banks manage domestic foreign currency deposits of entrusted overseas funds through individual foreign currency accounts in the bank's name for each fund. In many cases, about 300 physical foreign currency accounts are managed manually.

[0003] As such, since many physical passbooks are managed manually, the workload is being overburdened by having to register the bank's official seal for each transaction whenever foreign currency funds are withdrawn from the fund. In addition, the manual management of 300 physical passbooks and the generation of several hundred or more transaction slips every month are also causing an overburden of work due to audits and other factors.

[0004] Ultimately, because foreign currency funds were managed manually in the asset custody system without a separate status table, there was a problem in that it was difficult to manage accounting and reconciliation with asset management companies through the system.

[0005] Therefore, there is a need to resolve the workload by introducing foreign currency trust accounts instead of foreign currency accounts and processing foreign currency deposits and withdrawals by linking the asset custody system with the integrated financial system.

[0006] In addition, the introduction of foreign currency trust accounts raises the need for a system to manage balances by fund manager, fund, and currency by establishing a foreign currency fund status table for each fund. The problem to be solved

[0007] Accordingly, the present invention provides a trust system for managing overseas funds and domestic foreign currency deposits.

[0008] In addition, the present invention provides a bank server for managing overseas funds and domestic foreign currency deposits.

[0009] The objects of the present invention are not limited to those mentioned above, and other unmentioned objects and advantages of the present invention may be understood from the following description and will be more clearly understood by the embodiments of the present invention. Furthermore, it will be readily apparent that the objects and advantages of the present invention can be realized by the means and combinations thereof set forth in the claims. means of solving the problem

[0010] To achieve this purpose, a trust system for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention comprises: a fund manager server that provides a foreign currency operation fund instruction to a bank server; and the bank server including an asset custody system that receives the foreign currency operation fund instruction and an integrated financial system that generates transaction details by currency. The bank server, based on the foreign currency operation fund instruction received from the fund manager server, increases or decreases the balance of the fund, links the asset custody system and the integrated financial system to generate a message regarding the increase or decrease in the fund balance and proceeds with multiple settlements, performs linked processing for incoming remittances that increase the fund balance and outgoing remittances that decrease the fund balance in the integrated financial system, and at the daily closing, can verify whether the funds match between the deposit and withdrawal balance details of each fund and the foreign currency trust account. Effects of the invention

[0011] To solve the conventional problem of manually managing domestic foreign currency deposits in individual foreign currency accounts for each fund, the present invention links an asset custody system with an integrated financial system to enable electronic verification of deposits and withdrawals.

[0012] In addition, when a fund management instruction is received, the present invention can process fund execution quickly and accurately using a foreign currency trust account.

[0013] In addition, the present invention can reduce the workload by omitting the registration of the official seal, vouchers, audits, etc.

[0014] In addition, the present invention can improve the efficiency of physical management by resolving the conventional problem of using approximately 300 existing foreign currency accounts as foreign currency trust accounts.

[0015] In addition, the present invention can realize accurate fund reconciliation with the fund manager and accounting by introducing a foreign currency fund status table for each fund.

[0016] In addition to the effects described above, the specific effects of the present invention are described together with the specific details for implementing the invention below. Brief explanation of the drawing

[0017] FIG. 1 is an exemplary diagram showing a trust system for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention. FIG. 2 is a block diagram of a trustee company server managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention. FIG. 3 is a flowchart illustrating the process of depositing a foreign currency fund using a foreign currency trust account system according to one embodiment of the present invention. FIG. 4 is a flowchart illustrating the process of withdrawing foreign currency funds and remitting them overseas using a foreign currency trust account system according to one embodiment of the present invention. FIG. 5 is a flowchart illustrating the process of withdrawing foreign currency funds and remitting them to the domestic market using a foreign currency trust account system according to one embodiment of the present invention. FIG. 6 is an example diagram showing a screen for performing multiple approvals according to an embodiment of the present invention. FIG. 7 is an exemplary diagram showing a screen of a fund board within an asset custody system according to one embodiment of the present invention. FIG. 8 is an example diagram showing a screen that views the total foreign currency account within a foreign currency trust account according to one embodiment of the present invention. FIG. 9 is an example diagram showing a screen for comparing and reconciling the aggregated balance by call in each system according to one embodiment of the present invention. FIG. 10 is an exemplary diagram showing a screen for the exchange between an asset custody system and an integrated financial system according to one embodiment of the present invention. Specific details for implementing the invention

[0018] The aforementioned objectives, features, and advantages are described in detail below with reference to the attached drawings, thereby enabling those skilled in the art to easily implement the technical concept of the present invention. In describing the present invention, detailed descriptions of known technologies related to the present invention are omitted if it is determined that such descriptions would unnecessarily obscure the essence of the invention. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

[0019] Although terms such as "first," "second," etc., are used to describe various components, it goes without saying that these components are not limited by these terms. These terms are used merely to distinguish one component from another, and unless specifically stated otherwise, the first component may also be the second component.

[0020] In the following, the statement that any configuration is placed on the "upper (or lower)" of a component or on the "upper (or lower)" of a component may mean not only that any configuration is placed in contact with the upper (or lower) surface of said component, but also that another configuration may be interposed between said component and any configuration placed on (or below) said component.

[0021] In addition, where it is stated that one component is "connected," "combined," or "connected" to another component, it should be understood that while the components may be directly connected or connected to each other, another component may be "interposed" between each component, or each component may be "connected," "combined," or "connected" through another component.

[0022] Throughout the specification, unless specifically stated otherwise, each component may be singular or plural.

[0023] Singular expressions used in this specification include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "composed of" or "comprising" should not be interpreted as necessarily including all of the various components or steps described in the specification, and should be interpreted as meaning that some of the components or steps may be omitted or additional components or steps may be included.

[0024] Throughout the specification, "A and / or B" means A, B, or A and B unless specifically stated otherwise, and "C to D" means C or more and D or less, unless specifically stated otherwise.

[0025] Hereinafter, a trust system and method for managing overseas funds and domestic foreign currency deposits according to some embodiments of the present invention will be described.

[0026] The definitions of terms used in this specification are as follows.

[0027] Eundae: Refers to the balance in a fund account or deposit account.

[0028] Reconciliation: Refers to comparing whether the amounts resulting from deposits and withdrawals match.

[0029] Incoming Transfer: Refers to funds being deposited into our bank from another party (e.g., other banks, other funds, etc.).

[0030] Outgoing remittance: Refers to the bank transferring funds to another party (e.g., other banks, other funds, etc.).

[0031] Trust Account: As a bank account such as a pension account, it contains Korean Won but no foreign currency.

[0032] New Car Withdrawal: Refers to withdrawing funds from a trust account.

[0033] FIG. 1 is an exemplary diagram showing a trust system for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention. FIG. 2 is a block diagram of a trustee company server (110) for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention.

[0034] Referring to FIGS. 1 and 2, a trust system (100) for managing overseas funds and domestic foreign currency deposits according to one embodiment of the present invention may include a trustee company server (110) (e.g., bank server), an asset management company server (120), and a payment bank server (130).

[0035] The foreign exchange server of the present invention can introduce a foreign currency trust account to link the asset custody system with the integrated financial system when depositing or withdrawing foreign currency funds.

[0036] And, the trustee company server (110) (e.g., bank server) may include an asset trustee system (210), an integrated financial system (220), and a foreign exchange server (230).

[0037] Additionally, the asset custody system (210) may include a fund deposit processing module (211) and a domestic / overseas withdrawal processing module (212), and the integrated financial system (220) may include a foreign currency trust account processing module. The asset custody system (210) may receive an operation instruction from the asset management company server (120).

[0038] According to one embodiment, the fund deposit processing module (211) can perform silver increase, generate incoming remittance specialization, and link fund-specific transactions.

[0039] According to one embodiment, the domestic and foreign withdrawal processing module (212) can perform silver reduction, generate outgoing remittance messages, and generate fund-specific transactions.

[0040] The configuration of the system (100) shown in FIG. 1 and the configuration of the trustee company server (110) shown in FIG. 2 are according to one embodiment, and the components of the system (100) and the trustee company server (110) are not limited to the embodiments shown in FIG. 1 and FIG. 2, and some components may be added, changed, or deleted as needed.

[0041] According to one embodiment, the asset management company server (120) can transmit foreign currency management instructions for the fund to the trustee company server (110) (e.g., bank server) via the network (140).

[0042] For example, a foreign currency fund management instruction for a fund may include any one of a first instruction for depositing a foreign currency fund using a foreign currency trust account (or foreign currency trust account), a second instruction for withdrawing a foreign currency fund and remitting it overseas, and a third instruction for withdrawing a foreign currency fund and remitting it domestically.

[0043] According to one embodiment, the paying bank server (130) can remit money overseas and can receive a command for overseas remittance from the foreign exchange server within the trustee company server (110).

[0044] According to one embodiment, a trustee company server (110) (e.g., a bank server) may include an asset trustee system (210) that receives foreign currency operation fund instructions and an integrated financial system (220) that generates currency-specific transaction records.

[0045] According to one embodiment, the asset custody system (210) may include a fund deposit processing module (211) that controls the increase in balance, the generation of incoming remittance messages, and the connection of fund-specific transactions based on the received foreign currency operation fund instruction, and a domestic and overseas withdrawal processing module (212) that controls the decrease in balance, the generation of outgoing remittance messages, and the generation of fund-specific transactions based on the received foreign currency operation fund instruction.

[0046] According to one embodiment, the integrated financial system (220) can generate currency-specific transaction records based on foreign currency trust account balances (or foreign currency trust account systems).

[0047] According to one embodiment, the trustee company server (110) (e.g., bank server) may further include a foreign exchange server (230) that transmits overseas remittances to the bank server based on foreign currency operation fund instructions.

[0048] For example, if the foreign currency operation fund instruction is the first instruction, the asset custody system (210) can increase the balance of the fund within the asset custody system (210) and confirm the deposit of foreign currency funds within the integrated financial system (220) when the setting for fund establishment, overseas incoming remittance, and recovery of deposit for domestic incoming remittance are entered based on the first instruction.

[0049] Additionally, the asset custody system (210) can generate a message for incoming remittances within the asset custody system, link transactions by fund, and request a batch settlement from the integrated financial system (220).

[0050] And, the above integrated financial system (220) can process the batch payment and complete the deposit by generating a transaction history by currency based on the foreign currency trust account (or foreign currency trust account system).

[0051] For example, if the foreign currency operation fund instruction is the second instruction, the asset custody system (210) can reduce the balance of the fund within the asset custody system (210) and generate a message for the overseas remittance within the asset custody system (210) when other costs for the overseas outbound remittance are entered based on the second instruction.

[0052] Additionally, the asset custody system (210) can request a batch payment from the integrated financial system (220).

[0053] In addition, the integrated financial system (220) can process batch payments and transmit messages for new car withdrawals, foreign currency transfers, and SWIFT. SWIFT performs payment and remittance operations between major banks in each country through data communication.

[0054] For example, if the foreign currency operation fund instruction is the third instruction, the asset custody system (210) can reduce the balance of the fund within the asset custody system (210) and generate a message regarding the domestic remittance and new vehicle withdrawal within the asset custody system (210) when information regarding a domestic outgoing remittance is entered based on the third instruction.

[0055] Additionally, the asset custody system (210) can request a batch payment from the integrated financial system (220).

[0056] And, the integrated financial system (220) can process batch payments and transmit messages for new car withdrawals, foreign currency transfers, and SWIFT.

[0057] In this way, the trustee company server (110) (e.g., bank server) can generate a foreign currency fund status table by fund based on the foreign currency trust account balance (or foreign currency trust account system), and can manage the balances for the funds by fund manager, by fund, and by currency based on the generated foreign currency fund status table.

[0058] In addition, the trustee company server (110) (e.g., bank server) can introduce a foreign currency trust account (or foreign currency trust account system) instead of a foreign currency passbook, and process foreign currency deposits and withdrawals by linking from the asset trust system (210) to the integrated financial system (220) (e.g., WINI account system).

[0059] When such a trustee company server (110) (e.g., bank server) receives an instruction for the fund's foreign currency management funds from the asset management company server (120), it can input an increase or decrease in the fund's silver loan in the asset trust system (210). Additionally, the asset trust system (210) can generate a message and proceed with multiple approvals by linking with the integrated financial system (220).

[0060] Additionally, the trustee company server (110) (e.g., bank server) can process deposits and withdrawals from the foreign currency trust account (or foreign currency trust account system) of the integrated financial system (220) in conjunction with incoming and outgoing remittances. Furthermore, at the daily closing, the details of each fund's deposit and withdrawal balance can be reconciled with the foreign currency trust account (or foreign currency trust account system) and the funds. Also, the trustee company server (110) (e.g., bank server) can check the foreign currency fund board and reconcile it with the accounting balance.

[0061] FIG. 3 is a flowchart illustrating the process of depositing a foreign currency fund using a foreign currency trust account system according to one embodiment of the present invention.

[0062] Hereinafter, with reference to FIG. 3, the process of depositing a foreign currency fund using a foreign currency trust account system according to one embodiment of the present invention will be described in detail as follows.

[0063] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can receive an operation instruction from an asset management company server (120) (S310). The trustee company server (110) (e.g., asset trust system (210)) can receive operation instructions from the management company regarding fund management, such as transferring and recovering fund money overseas, and remitting and recovering domestic funds.

[0064] For example, the above operation instruction (e.g., foreign currency operation fund instruction) may include any one of a first instruction for depositing a foreign currency fund using a foreign currency trust account (or foreign currency trust account system), a second instruction for withdrawing a foreign currency fund and remitting it overseas, and a third instruction for withdrawing a foreign currency fund and remitting it domestically. For example, a trustee company server (110) (e.g., asset trust system (210)) may receive an instruction (e.g., the first instruction) for depositing a foreign currency fund using a foreign currency trust account (or foreign currency trust account system).

[0065] According to one embodiment, the trustee company server (110) (e.g., asset trust system (210)) can perform fund establishment, overseas incoming remittance, domestic incoming remittance, and recovery of entrusted margin (S312). As a specific example of an operation instruction to deposit into a fund, fund establishment involves converting currency into foreign currency and depositing it into the fund; overseas incoming remittance involves recovering funds from overseas to the domestic and depositing them into the fund; domestic incoming remittance involves receiving foreign currency from another domestic bank and depositing it into the fund; and recovery of entrusted margin involves receiving margin from a domestic futures company and depositing it into the fund.

[0066] If the received operation instruction is an instruction to deposit a foreign currency fund using a foreign currency trust account (or foreign currency trust account system) (e.g., a first instruction), the trustee company server (110) (e.g., asset trust system (210)) may receive input for setting up a fund, overseas incoming remittance, and recovery of a domestic incoming remittance deposit based on the first instruction. Then, based on this, the balance of the fund within the asset trust system (210) may be increased.

[0067] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can receive an increase in the silver loan within the asset trust system (S314). The trustee company server (110) (e.g., asset trust system (210)) can verify the deposit of foreign currency funds within the integrated financial system (220). Then, the trustee company server (110) (e.g., asset trust system (210)) can identify that the silver loan increases based on the deposit of a foreign currency fund. The amount corresponding to the fund deposit is entered into the asset trust system (210) as an increase in the bank account loan (silver loan).

[0068] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can verify the deposit of foreign currency funds within the bank system (S316). The trustee company server (110) (e.g., asset trust system (210)) can verify whether the foreign currency amount corresponding to the fund has been received among all the foreign currency funds deposited during the day in the bank system.

[0069] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can generate an incoming remittance message within the asset trust system (S318). The trustee company server (110) (e.g., asset trust system (210)) can generate a message indicating an incoming remittance for a foreign currency fund deposit. The trustee company server (110) (e.g., asset trust system (210)) can create an incoming remittance message in the asset trust system to deposit funds from the bank system into the corresponding fund.

[0070] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can perform fund-specific transaction linking (S320). The trustee company server (110) (e.g., asset trust system (210)) can link transactions by fund based on foreign currency fund deposits.

[0071] A trustee company server (110) (e.g., asset trustee system (210)) can connect the message and the fund by mapping the incoming remittance message created in the asset trustee system with the previously entered fund increase.

[0072] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can perform approval requests and multiple approval completions (S322). The trustee company server (110) (e.g., asset trust system (210)) can link fund-specific transactions and request batch approval from the integrated financial system (220). The trustee company server (110) (e.g., integrated financial system (220)) can request approval from the asset trust system to deposit into the final fund and receive password approval from two managers.

[0073] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can perform the completion of a deposit into a foreign currency trust account (S324). The trustee company server (110) (e.g., integrated financial system (220)) can perform the completion of a deposit into a foreign currency fund. The trustee company server (110) (e.g., integrated financial system (220)) can perform the completion of a deposit by processing a batch settlement and generating a transaction history by currency based on the foreign currency trust account (or foreign currency trust account). Once the batch settlement is completed, the funds of the fund can be deposited into the foreign currency trust account.

[0074] FIG. 4 is a flowchart illustrating the process of withdrawing foreign currency funds and remitting them overseas using a foreign currency trust account system according to one embodiment of the present invention.

[0075] Hereinafter, with reference to FIG. 4, the process of withdrawing foreign currency funds and remitting them overseas using a foreign currency trust account system according to one embodiment of the present invention will be described in detail as follows.

[0076] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) may receive an operation instruction from an asset management company server (120) (S410). For example, the operation instruction (e.g., foreign currency operation fund instruction) may include any one of a first instruction to deposit a foreign currency fund using a foreign currency trust account (or foreign currency trust account system), a second instruction to withdraw the foreign currency fund and remit it overseas, and a third instruction to withdraw the foreign currency fund and remit it domestically. For example, the trustee company server (110) (e.g., asset trust system (210)) may receive an instruction (e.g., second instruction) to withdraw foreign currency funds and remit them overseas. The trustee company server (110) (e.g., asset trust system (210)) may receive operation instructions from the management company regarding fund management, such as transferring and recovering fund money overseas, and remitting and recovering it domestically.

[0077] According to one embodiment, the trustee company server (110) (e.g., asset trust system (210)) may receive input for other costs such as overseas outbound remittances (S412). The trustee company server (110) (e.g., asset trust system (210)) may receive input for other costs regarding overseas outbound remittances based on the second instruction. The input information may include outbound remittances for sending funds overseas to settle stocks and bonds overseas, as a representative example of withdrawing foreign currency funds, and other cost payments for sending remittances to pay costs incurred overseas.

[0078] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can receive a reduction in the silver loan within the asset trust system (S414). The trustee company server (110) (e.g., asset trust system (210)) can verify the withdrawal of foreign currency funds within the integrated financial system (220). And, the trustee company server (110) (e.g., asset trust system (210)) can identify that the silver loan is reduced based on the withdrawal of foreign currency funds. The trustee company server (110) (e.g., asset trust system (210)) can input an amount corresponding to the fund withdrawal as a reduction in the bank account loan (silver loan).

[0079] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can generate an overseas remittance message within the asset trust system (S416). The trustee company server (110) (e.g., asset trust system (210)) can generate a message indicating an outgoing remittance for the withdrawal of a foreign currency fund. When the trustee company server (110) (e.g., asset trust system (210)) performs a transaction to generate an overseas remittance message, it can generate three transactions: withdrawal of a foreign currency amount from a foreign currency trust account, transfer of the withdrawn foreign currency amount to a foreign currency business center, generation of an MT202 message for overseas remittance, and transmission to a foreign currency business center.

[0080] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can complete approval requests and multiple approvals (S418). The trustee company server (110) (e.g., asset trustee system (210)) can link fund-specific transactions and request batch approval from the integrated financial system (220). The trustee company server (110) (e.g., integrated financial system (220)) can request approval and receive approval by passwords entered by two managers.

[0081] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can transmit a new car withdrawal, a foreign currency deposit to the foreign exchange business center, and a foreign exchange business center message (e.g., a SWIFT document) (S420). The trustee company server (110) (e.g., integrated financial system (220)) can transmit the new car withdrawal, the foreign currency deposit to the foreign exchange business center, and the foreign exchange business center message to the foreign exchange server (230).

[0082] When approval is granted, the trustee company server (110) (e.g., integrated financial system (220)) can finally perform the three transactions generated in the above process (S418) (withdrawal of foreign currency amount from foreign currency trust account, transfer of withdrawn foreign currency amount to foreign currency business center, generation of MT202 message for overseas remittance and transmission to foreign currency business center).

[0083] FIG. 5 is a flowchart illustrating the process of withdrawing foreign currency funds and remitting them to the domestic market using a foreign currency trust account system according to one embodiment of the present invention.

[0084] Hereinafter, with reference to FIG. 5, the process of withdrawing foreign currency funds and remitting them to the domestic market using a foreign currency trust account system according to one embodiment of the present invention will be described in detail as follows.

[0085] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) may receive an operation instruction from an asset management company server (120) (S510). For example, the operation instruction (e.g., foreign currency operation fund instruction) may include any one of a first instruction to deposit a foreign currency fund using a foreign currency trust account (or foreign currency trust account system), a second instruction to withdraw the foreign currency fund and remit it overseas, and a third instruction to withdraw the foreign currency fund and remit it domestically. For example, the trustee company server (110) (e.g., asset trust system (210)) may receive an instruction (e.g., third instruction) to withdraw foreign currency funds and remit them domestically. The trustee company server (110) (e.g., asset trust system (210)) may receive operation instructions from the management company regarding fund management, such as transferring and recovering fund money overseas, and remitting and recovering domestically.

[0086] According to one embodiment, the trustee company server (110) (e.g., asset trust system (210)) can perform domestic outgoing remittances (S512). The trustee company server (110) (e.g., asset trust system (210)) can receive information regarding domestic outgoing remittances based on the third instruction. The trustee company server (110) (e.g., asset trust system (210)) can perform foreign currency remittance transactions to another domestic bank for foreign currency exchange and forward exchange transaction settlement, as a representative example of withdrawing foreign currency funds.

[0087] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can receive a reduction in the silver loan within the asset trust system (S514). The trustee company server (110) (e.g., asset trust system (210)) can verify the withdrawal of foreign currency funds within the integrated financial system (220). And, the trustee company server (110) (e.g., asset trust system (210)) can identify that the silver loan is reduced based on the withdrawal of foreign currency funds. The trustee company server (110) (e.g., asset trust system (210)) can input an amount corresponding to the fund withdrawal as a reduction in the bank account loan (silver loan).

[0088] According to one embodiment, a trustee company server (110) (e.g., asset trust system (210)) can generate domestic remittance and new car withdrawal messages within the asset trust system (S516). The trustee company server (110) (e.g., asset trust system (210)) can generate outgoing remittance and new car withdrawal messages for foreign currency fund withdrawal. When the trustee company server (110) (e.g., asset trust system (210)) generates domestic remittance and new car withdrawal messages, it can generate three transactions: 'withdrawal of foreign currency amount from foreign currency trust account, transfer of withdrawn foreign currency amount to foreign currency business center, generation of MT103 message for domestic remittance and transmission to foreign currency business center'.

[0089] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can complete approval requests and multiple approvals (S518). The trustee company server (110) (e.g., asset trustee system (210)) can link fund-specific transactions and request batch approval from the integrated financial system (220). The trustee company server (110) (e.g., integrated financial system (220)) can request approval and receive approval input using the passwords of two managers.

[0090] According to one embodiment, the trustee company server (110) (e.g., integrated financial system (220)) can transmit a new car withdrawal, a foreign currency deposit to the foreign exchange business center, and a foreign exchange business center message (S520). The trustee company server (110) (e.g., integrated financial system (220)) can transmit the new car withdrawal, the foreign currency deposit to the foreign exchange business center, and a foreign exchange business center message (e.g., SWIFT document) to the foreign exchange server (230). When approval is granted, the trustee company server (110) (e.g., integrated financial system (220)) can finally perform the three transactions generated in the above process (S516) (withdrawal of foreign currency amount from the foreign currency trust account, deposit of the withdrawn foreign currency amount to the foreign currency business center, generation of an MT103 message for domestic remittance and transmission to the foreign currency business center).

[0091] In addition, the trustee company server (110) according to one embodiment of the present invention can perform foreign currency trust account reconciliation (or foreign currency trust account system).

[0092] According to one embodiment, when the fund business for the day is finished, the trustee company server (110) obtains the foreign currency new car transaction details from the foreign currency fund fund board new car reconciliation.

[0093] And, the trustee company server (110) identifies the balances according to the increase and decrease of the currency-specific balance of the asset trust system (210) on the day. In addition, the trustee company server (110) confirms the receipt of the currency-specific balance of the foreign currency trust account from the integrated financial system (220) on the day.

[0094] Afterward, the trustee company server (110) can reconcile the amounts by currency and then withdraw them from the foreign currency trust account of the integrated financial system (220) and deposit them into the asset trust account.

[0095] FIG. 6 is an example diagram showing a screen for performing multiple approvals according to an embodiment of the present invention.

[0096] Referring to FIG. 6, a screen for performing multiple approvals according to one embodiment of the present invention may include information regarding the approval requester, approval status, transmission status, linked transaction, consignor, and consignee.

[0097] According to one embodiment, the asset custody system (210) may generate a message for an incoming remittance within the asset custody system, link a transaction by fund, and then request a batch payment from the integrated financial system (220). Then, the integrated financial system (220) may configure a screen (610) capable of receiving payment for such batch payment, and then display it on a display unit (not shown).

[0098] The above screen (610) may include information (601) regarding the approval status.

[0099] The administrator of the integrated financial system (220) can input approvals for these multiple approval requesters through the screen (610).

[0100] Previously, when making deposits or withdrawals in the integrated financial system using physical passbooks, two managers approved each transaction individually through fingerprint authentication.

[0101] However, since the present invention has the same final approval authority when making deposits and withdrawals in the asset custody system (210) using a new foreign currency vehicle, even if two managers in the integrated financial system (220) proceed with collective approval through fingerprint authentication and password input, the final deposit and withdrawal of funds can be achieved.

[0102] Through this, the present invention can approve and process multiple fingerprints at once, thereby enhancing efficiency and speed.

[0103] FIG. 7 is an exemplary diagram showing a screen of a fund board within an asset custody system according to one embodiment of the present invention.

[0104] Referring to FIG. 7, a screen (710) for a fund board in an asset custody system according to one embodiment of the present invention may include information regarding a processing date, a trustee, a trustee name, a fund code, a fund name, GC-AC, a GC-AC name, a currency, a previous day's amount, a current day's increase amount, a current day's decrease amount, and a current day's amount.

[0105] After the daily fund closing, the asset custody system (210) can check the daily foreign currency deposit and withdrawal details and balance status of each fund by fund manager. Through this, reconciliation between the asset custody system (e.g., fund board) and the integrated financial system (e.g., foreign currency trust account) is possible.

[0106] For example, the above screen (710) may include information about the commission mission (701), information about the fund code (702), and information indicating the currency (703, 704, 705, 706).

[0107] FIG. 8 is an example diagram showing a screen that views the total foreign currency account within a foreign currency trust account according to one embodiment of the present invention.

[0108] Referring to FIG. 8, the screen (810) for viewing the total foreign currency account within the foreign currency trust account according to one embodiment shows detailed specifications for the total amount by currency and can be generated in the foreign currency trust account processing module (221).

[0109] These screens (810) may include information regarding a joint code, fund product code, currency, balance sheet, foreign currency amount, and Korean won amount.

[0110] FIG. 9 is an example diagram showing a screen for comparing and reconciling the aggregated balance by call in each system according to one embodiment of the present invention.

[0111] Referring to FIG. 9, the screen (910) for comparing and reconciling the aggregate balance by currency in each system according to one embodiment of the present invention may include a screen (901) for a foreign currency fund board and a screen (902) for a foreign currency trust account balance.

[0112] According to one embodiment, an asset custody system (210) within a bank server (110) may configure a screen (901) for a foreign currency fund board, and an integrated financial system (220) may configure a screen (902) for a foreign currency trust account. Then, the integrated financial system (220) may compare the screen (901) for the foreign currency fund board and the screen (902) for the foreign currency trust account to perform a reconciliation.

[0113] For example, the screen (901) for the foreign currency fund board may include information on the currency, the previous day's fund board balance, the increase (+) in the silver loan, the decrease (-) in the silver loan, and the current day's fund board balance.

[0114] For example, the screen (902) for the foreign currency trust account may include information on currency, deposits, withdrawals, and the balance of the new account for the day.

[0115] FIG. 10 is an exemplary diagram showing a screen for the exchange between an asset custody system and an integrated financial system according to one embodiment of the present invention.

[0116] Referring to FIG. 10, reconciliation is possible through mapping of detailed deposit and withdrawal records between an asset custody system and an integrated financial system according to one embodiment of the present invention. A screen (1010) for this purpose includes a menu (1011) for automatic new car matching, and when such menu (1011) is selected, the asset custody system (210) can display a screen (1020) showing deposit and withdrawal records by the asset custody system (210) and a screen (1030) showing deposit and withdrawal records by the integrated financial system (220) through a display unit (not shown).

[0117] For example, when the mapping of deposit and withdrawal details between the asset custody system and the integrated financial system is completed, the asset custody system (210) can display the mapping result in blue (1021, 1031) through a display unit (not shown).

[0118] Through this, cases where the daily total sleep and metabolism are incorrect may be discovered.

[0119] As described above, the present invention can accurately reconcile the balance between the deposit and withdrawal balance details of each fund and the foreign currency trust account at the time of daily closing, and can also verify the foreign currency fund board and accurately reconcile it with the accounting balance.

[0120] Each step in each of the flowcharts described above may be operated independently of the illustrated order or may be performed simultaneously. Additionally, at least one component of the present invention and at least one operation performed by said at least one component may be implemented in hardware and / or software.

[0121] Although the present invention has been described above with reference to the illustrated drawings, the present invention is not limited by the embodiments and drawings disclosed in this specification, and it is obvious that various modifications can be made by a person skilled in the art within the scope of the technical concept of the present invention. Furthermore, even if the effects of the configuration of the present invention were not explicitly described while explaining the embodiments of the present invention above, it is natural to acknowledge that the effects predictable by said configuration should also be recognized. Explanation of the symbols

[0122] 100: Trust System 110: Bank Server 120: Asset Management Company Server 130: Now bank server 140: Network 210: Asset Custody System 211: Fund Deposit Processing Module 212: Domestic and International Withdrawal Processing Module 220: Integrated Financial System 221: Foreign Currency Trust Account Processing Module 230: Forex Server

Claims

Claim 1 In a trust system for managing overseas funds and domestic foreign currency deposits, an asset management server that provides foreign currency operation fund instructions to a bank server; The bank server includes an asset custody system that receives the foreign currency operation fund instruction and an integrated financial system that generates transaction details by currency; the bank server, based on the foreign currency operation fund instruction received from the asset management company server, increases or decreases the fund balance, links the asset custody system and the integrated financial system to generate a message regarding the increase or decrease in the fund balance, and performs linked processing for incoming remittances that increase the fund balance and outgoing remittances that decrease the fund balance in the integrated financial system; at daily closing, the asset custody system generates a fund board screen including daily deposit and withdrawal details and balance status of each fund based on the increase and decrease in the silver loan by currency, and the integrated financial system generates an account balance screen including deposits, withdrawals by currency and daily new balances of the foreign currency trust account balance, performs reconciliation by comparing the aggregated balances by currency included in the fund board screen and the account balance screen, and the asset custody system [references] the detailed deposit and withdrawal details by the asset custody system and the deposit and withdrawal by the integrated financial system A trust system that maps details, displays the mapped deposit and withdrawal details to be visually distinct from the remaining deposit and withdrawal details, and verifies whether the funds match between each fund deposit and withdrawal balance and the foreign currency trust account. Claim 2 In claim 1, the asset custody system comprises: a fund deposit processing module that controls the increase in balance, the generation of incoming remittance messages, and the connection of fund-specific transactions based on the received foreign currency operation fund instruction; and a domestic and overseas withdrawal processing module that controls the decrease in balance, the generation of outgoing remittance messages, and the generation of fund-specific transactions based on the received foreign currency operation fund instruction. Claim 3 In claim 1, the asset custody system links fund-specific transactions and requests a batch settlement of multiple fund-specific transactions from multiple settlement requesters to the integrated financial system, the integrated financial system configures and displays a screen capable of receiving batch settlement input from each of multiple managers regarding the requested batch settlement, and when fingerprint authentication and password are entered from each of two managers through the displayed screen, the system proceeds with batch settlement of the multiple fund-specific transactions through the entered fingerprint authentication and entered password, and when the batch settlement is completed, it generates the currency-specific transaction details based on the foreign currency trust account, and the screen is a trust system including a settlement requester, settlement status, settlement transmission status, linked transaction, trustee, and trustee name. Claim 4 In claim 1, the trust system further comprises a foreign exchange server that transmits overseas remittances to a paying bank server based on the foreign currency operation fund instruction sheet. Claim 5 In claim 1, the foreign currency operation fund instruction is a trust system comprising any one of a first instruction for depositing a foreign currency fund using the foreign currency trust account, a second instruction for withdrawing a foreign currency fund and remitting it overseas, and a third instruction for withdrawing a foreign currency fund and remitting it domestically. Claim 6 In claim 5, if the foreign currency operation fund instruction is the first instruction, the asset custody system, upon inputting a setting for fund establishment, overseas incoming remittance, or recovery of deposit for domestic incoming remittance based on the first instruction, increases the balance of the fund within the asset custody system, confirms the deposit of foreign currency funds within the integrated financial system, generates a message for incoming remittance within the asset custody system, links transactions by fund, requests batch settlement from the integrated financial system, and the integrated financial system A trust system that processes the above batch payment and completes the deposit by generating currency-specific transaction details based on the above foreign currency trust account. Claim 7 In claim 5, if the foreign currency operation fund instruction is the second instruction, the asset custody system, upon inputting other costs for overseas outbound remittance based on the second instruction, reduces the balance of the fund within the asset custody system, generates a message for overseas remittance within the asset custody system, requests a batch settlement from the integrated financial system, and the integrated financial system processes the batch settlement and transmits messages for new vehicle withdrawal, foreign currency transfer, and SWIFT. Claim 8 In claim 5, if the foreign currency operation fund instruction is the third instruction, the asset custody system, upon receiving information regarding a domestic outgoing remittance based on the third instruction, reduces the balance of the fund within the asset custody system, generates a message regarding the domestic remittance and new vehicle withdrawal within the asset custody system, requests a batch settlement from the integrated financial system, and the integrated financial system processes the batch settlement and transmits messages regarding the new vehicle withdrawal, foreign currency transfer, and SWIFT. Claim 9 In claim 1, the bank server generates a foreign currency fund status table by fund based on the foreign currency trust account balance, and is a trust system that manages fund balances by fund manager, fund, and currency based on the generated foreign currency fund status table. Claim 10 A method for a trust system managing overseas funds and domestic foreign currency deposits, comprising: a process in which an asset management server provides a foreign currency operation fund instruction to a bank server—wherein the bank server includes an asset custody system that receives the foreign currency operation fund instruction and an integrated financial system that generates transaction details by currency—; a process in which the bank server increases or decreases the balance of a fund based on the foreign currency operation fund instruction received from the asset management server; a process in which the bank server links the asset custody system and the integrated financial system to generate a message regarding the increase or decrease of the fund balance; and a process in which the bank server performs linkage processing for an incoming remittance that increases the fund balance and an outgoing remittance that decreases the fund balance in the integrated financial system. A method comprising: a process in which, at the daily closing of the bank server, the asset custody system generates a fund board screen including daily deposit and withdrawal details and balance status of each fund based on the increase and decrease in the deposit amount by currency; a process in which the integrated financial system generates an account balance screen including daily deposits, withdrawals, and new balances by currency of the foreign currency trust account balance; a process in which the integrated financial system performs reconciliation by comparing the aggregated balances by currency included in the fund board screen and the account balance screen; and a process in which the asset custody system maps the deposit and withdrawal details by the asset custody system with the deposit and withdrawal details by the integrated financial system, displays the mapped deposit and withdrawal details so as to be visually distinguished from the remaining deposit and withdrawal details, and verifies whether the funds between the deposit and withdrawal balance details of each fund and the foreign currency trust account balance match.

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