EXCHANGE TRANSACTION METHOD USING FOREIGN CURRENCY DEPOSIT, AND BANK SYSTEM

摘要

PROBLEM TO BE SOLVED: To attain the flexible operation of foreign currency deposits in conjunction with the fluctuation of exchange rate.;SOLUTION: In this bank system 10 having a customer system 11 connected to customer terminals 15, a banking business system 12 and an exchange transaction management system 13 and for performing exchange transactions using foreign currency deposits, the customer system 11 acquires rate information from the exchange transaction management system 13 and transmits the rate information as well as transaction request information received from a customer terminal 15 to the banking business system 12, and the banking business system 12 calculates an amount depositable as collateral from the balance of a fixed deposit account on the basis of a second rate stored beforehand to store the amount depositable as collateral in a credit table, reduces a payment amount from the total sum of the amount depositable as collateral and the balance of a floating deposit account to be a payment account on the basis of the payment amount included in the transaction request information and updates the balance of the floating deposit account to be a receiving account designated by the transaction request information according to a first rate of the rate information.;COPYRIGHT: (C)2006,JPO&NCIPI