JP4592478B2 - System, method, and computer program for transferring securities linked to trading of securities - Google Patents

Description

  The present invention relates to a technique for transferring securities at a plurality of financial institutions in conjunction with the buying and selling of securities.

  In recent years, financial services have been diversified. Along with that, many customers are dealing with multiple financial institutions. In such a situation, some customers wish to buy or sell their own securities at a financial institution different from the financial institution that deposits their securities.

  However, for example, if you sell your securities using a financial institution different from the financial institution where you are depositing your securities, contact each financial institution to buy and sell from your financial institution. It can only be sold after the securities have been transferred to a financial institution. For this reason, there was a problem that the timing of buying and selling is delayed.

  In addition, when transferring securities, there was a problem that the assets held at the financial institutions that store the securities temporarily decreased.

  Therefore, an object of the present invention relates to a system for trading and transferring securities in order to buy and sell securities at a financial institution different from the financial institution holding the securities.

  A system for transferring securities linked to trading of securities according to an embodiment of the present invention includes a first financial institution system of a first financial institution that buys and sells securities based on orders from customers, and And a second financial institution system of a second financial institution for depositing the customer's securities. The first financial institution system includes: a receiving unit that receives an order from a customer including a brand code and a quantity; and a stock code of a brand code and a quantity relating to the sale order received by the receiving unit for the customer. Means for inquiring whether there is a second financial institution system; and means for executing the sale order if there is a stock code and a quantity of securities related to the sale order as a result of the inquiry by the inquiry means; When the sale order execution means executes the sale order, the means for notifying the second financial institution system of the execution result of the sale order, and storing the receipt schedule of the same securities as the securities sold by the sale order In response to the transfer instruction from the second financial institution system, the transfer system is transferred by the external transfer institution system. When receiving the notification of the results went, and means for matching the receiving plan stored in the warehousing schedule storage means. The second financial institution system responds to the inquiry from the first financial institution system with reference to the deposit securities storage means storing information related to the deposit securities from the customer and the deposit securities storage means. And an instruction to the external transfer institution system to transfer securities equivalent to the securities sold by executing the sale order from the second financial institution to the first financial institution. And transfer means.

  In a preferred embodiment, the first financial institution system has a means for executing the purchase order upon receiving a purchase order from the customer, wherein the reception means includes a brand code and a quantity, and the purchase order execution means. When executing the purchase order, the first financial institution system notifies the second financial institution system of the transfer schedule of the securities purchased by execution of the purchase order, and the external transfer institution system Transfer means for instructing transfer of securities purchased by execution of the purchase order from the financial institution to the second financial institution is further provided. When the second financial institution system receives the transfer schedule notification from the first financial institution system, the second financial institution system stores a warehousing schedule storage means for storing a warehousing schedule of securities purchased by the purchase order, and the external The system of the transfer organization may further comprise means for collating with the warehousing schedule stored in the warehousing schedule storage means when receiving the notification of the result of the transfer based on the transfer instruction.

  A system for transferring securities linked to trading of securities according to an embodiment of the present invention includes a first financial institution system of a first financial institution that buys and sells securities based on orders from customers, and And a second financial institution system of a second financial institution for depositing the customer's securities. The first financial institution system includes a receiving unit that receives an order from a customer including a brand code and a quantity, and a second stock code of the brand code and quantity related to the sales order received by the receiving unit for the customer. Means for giving a transfer instruction to the second financial institution system so as to look back from the first financial institution to the first financial institution, and that the transfer instruction has been executed from the second financial institution system to the system of the external transfer institution , A receipt schedule storage means for storing a receipt schedule of the same securities as the securities to be sold by the sale order, and an external transfer organization in response to a transfer instruction from the second financial institution system. When the system receives the notification of the result of the transfer, the means for matching with the warehousing schedule stored in the warehousing schedule storage means, the result of the matching, If matching transfer results with the receiving plan, and means for executing the sell order. The second financial institution system refers to the deposit securities storage means storing information related to the deposit securities from the customer, and the deposit securities storage means, and according to the transfer instruction from the first financial institution system, Transfer means for instructing an external transfer institution system to transfer securities equivalent to the securities sold by executing the sale order from the second financial institution to the first financial institution; And means for notifying the first financial institution system that the transfer means has executed a transfer instruction to the external transfer agency.

  In a preferred embodiment, the first financial institution system includes a withdrawal schedule storage means for storing a withdrawal schedule of a price of the securities sold by execution of the sale order, and a system of the external transfer agency. And means for recording the withdrawal with reference to the withdrawal schedule storage means after receiving the notification of the result of the transfer. When the second financial institution system receives the execution result notification of the sale order from the first financial institution system, a payment schedule storage means for storing a payment schedule of the price related to the sale, and the external transfer The information processing apparatus may further include means for receiving a transfer result in response to a transfer instruction from the transfer unit from an institution system and recording the payment with reference to the payment schedule storage unit.

  In a preferred embodiment, the first financial institution system includes a payment schedule storage means for storing a payment schedule of the price of the securities purchased by execution of the purchase order, and the system of the external transfer institution is the transfer. And a means for recording the deposit with reference to the deposit schedule storage unit after receiving the notification of the result of the transfer based on the instruction. When the second financial institution system receives the transfer schedule notification from the first financial institution system, a withdrawal schedule storage means for storing a withdrawal schedule of the price related to the purchase; and the external transfer agency The system may further include means for recording a withdrawal with reference to the withdrawal schedule storage means after receiving the notification of the result of the transfer based on the transfer instruction.

  In a preferred embodiment, when collateral is set for the securities to be sold related to the sale order accepted by the first financial institution system, the means for recording the deposit of the second financial institution system includes: Alternatively, collateral may be set for the sale price and recorded.

  In a preferred embodiment, when the purchase order accepted by the first financial institution system is a purchase order of securities with funds with collateral, the warehousing schedule storage of the second financial institution system. The means may set collateral on the securities to be purchased.

  Hereinafter, a trading linked securities transfer system according to an embodiment of the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing an overall configuration of a trading linked securities transfer system according to the present embodiment. In this system, a customer terminal 1 that is an interface device with a customer, a financial institution system 3 of a financial institution A that buys and sells securities according to a request from a customer, and a customer's securities are stored and managed. A financial institution system 5 of the financial institution B and a transfer institution system 7 of a transfer institution that manages and stores the securities face itself instead of the owner of the securities are provided.

  Each of the customer terminal 1, the financial institution systems 3, 5 and the transfer institution system 7 is constituted by, for example, a general-purpose computer system, and individual components in the systems 1, 3, 5, 7 described below or The function is realized, for example, by executing a computer program.

  The financial institution system 3 includes a customer DB 31 that stores customer securities depository information, an order processing unit 32 that buys and sells securities in accordance with orders from customers, and a transfer instruction for securities to the transfer institution system 7. The transfer processing unit 33 for performing the above, the receipt schedule table 34 for recording the receipt schedule of the securities, the delivery schedule table 35 for recording the delivery schedule of the securities, the receipt schedule table 36 for recording the receipt schedule, and the withdrawal schedule. A withdrawal schedule table 37 to be recorded, a deposit / withdrawal processing unit 39 that performs processing related to deposit / withdrawal, and a transfer schedule table 30 that records a transfer schedule.

  The financial institution system 5 includes a deposit securities DB 51 that stores information related to deposit securities from customers, a securities management unit 52 that manages deposit securities, and a transfer processing unit that instructs the transfer agency system 7 to transfer securities. 53, a receipt schedule 54 for recording the receipt schedule of the securities, a receipt schedule 56 for recording the receipt schedule, a withdrawal schedule 57 for recording the withdrawal schedule, and a record of the results when there is a deposit. A deposit record table 58, a deposit / withdrawal processing unit 59 that performs processing related to deposit / withdrawal, and a transfer schedule table 50 that records a transfer schedule.

  FIG. 2 shows the data structures of the customer DB 31 and the deposit securities DB 51.

  The customer DB 31 includes securities depository financial institution code 311, securities depository branch code 312, account number 313, customer name 314, and data items.

  The deposit securities DB 51 has its own financial institution code 511, branch code 512, account number 513, securities type 514, brand code 515, deposit quantity 516, and collateral classification 517 as data items.

  FIG. 3 shows the data structures of the warehousing schedules 34 and 54, the withdrawal schedule 35, the deposit schedules 36 and 56, and the withdrawal schedules 37 and 57.

  The warehousing schedules 34 and 54 include the warehousing destination account number 341, the scheduled transfer date 342, the scheduled transfer code 343, the scheduled transfer amount 344, the receipt number 345, and the transfer source financial institution. A code 346 and a collateral classification 347 are included as data items.

  The delivery schedule 35 includes a transfer source in the company, that is, an account number 351 to be issued, a scheduled transfer date 352, a stock code 353 scheduled to be transferred, a transfer quantity 354 scheduled to be transferred, an acceptance number 355, and a financial of the warehousing destination. The engine code 346 is included as a data item.

  The payment schedules 36 and 56, the account number 361 of the payment destination in the company, the scheduled transfer date 362, the transfer amount 363, the receipt number 364, and the transfer source financial institution code 365 are included as data items.

  The withdrawal schedules 37 and 57 have, as data items, the account number 371 of the withdrawal destination, the scheduled transfer date 372, the transfer amount 373, the receipt number 374, and the financial institution code 375 of the withdrawal destination.

  FIG. 4 shows the data structure of the deposit record table 58 and the transfer schedule tables 30 and 50.

  The deposit record table 58 has its own financial institution code 581, deposit destination branch code 582 and account number 583, deposit amount 584, deposit date 585, and collateral classification 586 as data items.

  The transfer schedules 30 and 50 include their own financial institution code 301, transfer source branch code 302 and account number 303, brand code 304, transfer quantity 305, transfer date 306, receipt number 307, and transfer destination. And the financial institution code 308 as data items.

  Next, in the trading linked securities transfer system having the above-described configuration, specific processing when performing transactions in various cases will be described with reference to FIGS. In the process of each case described below, when data is recorded in each schedule table and record table, the data of each item is recorded.

  <1> A case where the customer requests the financial institution A to sell the securities deposited in the financial institution B will be described with reference to FIG.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When selling securities, the customer terminal 1 notifies the financial institution system 3 of a sales order including the brand code and quantity of the brand to be sold according to the customer's instruction. At this time, the customer may specify whether or not it is automatic transfer. In the case of automatic transfer, the securities deposited in the financial institution B are sold. In the case of non-automatic transfer, the securities deposited in the financial institution A are sold. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) Based on the sales order, the order processing unit 32 confirms the custody (financial institution code, branch code, account number in the financial institution B, (Customer name, brand code, brand name, transfer quantity, transfer date, inquiry number).

  (4) The securities management unit 52 of the financial institution system 5 that has received the confirmation of deposit confirmation refers to the deposit securities DB 51 and confirms the brand and quantity of the customer. If the securities to be sold are deposited, a receipt number is issued and a reply is sent to the financial institution system 3 (inquiry number, presence / absence of deposit, receipt number). Then, the securities to be sold are recorded in the transfer schedule 50. In addition, when there is no corresponding brand or the quantity is insufficient, the securities management unit 52 notifies the financial institution system 3 to that effect.

  (5) Upon receiving a notice of deposit from the financial institution system 5, the order processing unit 32 executes the order. If the order is established, the financial institution system 5 is notified of the order establishment including the previous receipt number (financial institution B financial institution code, branch code, account number in financial institution B, brand code, transfer quantity, (Transfer date, receipt number, order confirmation). The customer terminal 1 is notified of the establishment and transfer of the order. Further, the warehousing schedule by this order is recorded in the warehousing schedule table 34. In addition, if there is a notice of no deposit from the financial institution system 5, the customer is notified and the order is not executed.

  (6) When the financial institution system 5 receives the notification of the sale completion from the financial institution system 3, the transfer processing unit 53 refers to the transfer schedule table 50 using the reception number as a key, and sells to the transfer institution system 7. Transfer instructions from financial institution B to financial institution A (financial institution B's account (transfer source), financial institution A's account (transfer destination), stock code, transfer quantity, transfer date, acceptance Number) and send it. At the same time, information on the sold securities is deleted from the deposit securities DB 51.

  (7) The transfer institution system 7 performs the transfer according to the transfer instruction, and the processing result including the receipt number (the account of the financial institution B (transfer source) in the transfer institution, the account of the financial institution A in the transfer institution (transfer destination)), The financial institution systems 3 and 5 are notified of the stock code, transfer quantity, transfer date, receipt number, and transfer completion. In the financial institution system 3, the contents of the notification from the transfer institution system 7 are collated with the warehousing schedule table 34 to record the warehousing.

  <2> A case where a customer requests financial institution A to purchase securities and deposits the purchased securities in financial institution B will be described with reference to FIG.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When purchasing securities, the customer terminal 1 notifies the financial institution system 3 of a purchase order including the brand code and quantity of the brand to be purchased according to the customer's instruction. At this time, the customer may specify whether or not it is automatic transfer. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) The order processing unit 32 executes the order based on the purchase order. When this order is executed, the order processing unit 32 notifies the financial institution system 5 of the transfer schedule notification of the purchased securities (financial institution code, branch code, account number in the financial institution B, customer name, brand code, brand name, transfer). Quantity, transfer date, inquiry number).

  (4) When the financial institution system 5 receives the transfer schedule notification from the financial institution system 3, the financial institution system 5 checks the presence or absence of the customer's account with reference to the deposit securities DB 51. Further, a receipt number is issued, a reply (inquiry number, presence / absence of account, receipt number) is returned to the financial institution system 3, and a warehousing schedule is recorded in the warehousing schedule 54.

  (5) When the financial institution system 3 receives a reply from the financial institution system 5, if there is an account of the customer in the financial institution system 5, the transfer schedule is recorded in the transfer schedule table 30.

  (6) The transfer processing unit 33 refers to the transfer schedule table 30, and with respect to the transfer designated date, the transfer instruction (the account of the financial institution A (transfer source) at the transfer institution, the account of the financial institution B at the transfer institution) (Transfer destination), brand code, transfer quantity, transfer date, receipt number) are transmitted to the transfer institution system 7 and the securities issued by transfer are recorded.

  (7) The transfer institution system 7 performs transfer based on the transfer instruction, and the transfer result including the notification number (the account of the financial institution A (transfer source) in the transfer institution, the account of the financial institution B in the transfer institution (transfer destination) ), The stock code, the transfer quantity, the transfer date, the receipt number, and the transfer completion) are notified to the financial institution systems 3 and 5. The financial institution system 5 collates the notification from the transfer institution system 7 with the warehousing schedule table 54 and records the warehousing.

  <3> In the case where the customer requests the financial institution A to sell the securities deposited in the financial institution B, the case where the customer sells after transferring from the financial institution B to the financial institution A will be described with reference to FIG. explain.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When selling securities, the customer terminal 1 notifies the financial institution system 3 of a sales order including the brand code and quantity of the brand to be sold according to the customer's instruction. At this time, the customer may specify whether or not it is automatic transfer. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) The order processing unit 32 requests the financial institution system 5 to transfer the stock to be sold (financial institution code, branch code, account number in the financial institution B, customer name, brand code, brand name, (Transfer quantity, transfer date, inquiry number).

  (4) The securities management unit 52 of the financial institution system 5 that has received the transfer request confirms the brand and quantity of the customer. If there is a deposit, the transfer processing unit 53 transfers instructions for transferring the corresponding issue and quantity from the financial institution B to the financial institution A (an account (transfer source) of the financial institution B in the transfer institution, the financial institution A in the transfer institution). (Account) (transfer destination), brand code, transfer quantity, transfer date, receipt number) are created and transmitted to the transfer institution system 7. Furthermore, the securities management unit 52 deletes the brands and quantities to be transferred from the deposit securities DB 51.

  (5) The transfer processing unit 53 sends a notification to the financial institution system 3 that a transfer instruction has been made (inquiry number, transfer status, presence / absence, receipt number). When receiving the notification, the financial institution system 3 records the warehousing schedule in the warehousing schedule 34. In addition, if there is a notice of no deposit from the financial institution system 5, the customer is notified and the order is not executed.

  (6) The transfer institution system 7 performs transfer according to the transfer instruction, and the processing results (account of the financial institution B (transfer source) in the transfer institution, account of the financial institution A (transfer destination) in the transfer institution, stock code, transfer) The quantity, transfer date, receipt number, and transfer completion) are notified to the financial institution systems 3 and 5.

  (7) The financial institution system 3 compares the contents of the notification from the transfer institution system 7 with the warehousing schedule 34 and records the warehousing if the transfer contents and the warehousing schedule match, and the order processing unit 32 places an order. Enforce.

  (8) When the order is executed, the financial institution system 3 notifies the customer terminal 1 of the result of the order execution and the transfer report.

  <4> In the case where the customer requests the financial institution A to sell the securities deposited with the financial institution B, a case involving the transfer of funds obtained by the sale will be described with reference to FIG.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When selling securities, the customer terminal 1 notifies the financial institution system 3 of a sales order including the brand code and quantity of the brand to be sold according to the customer's instruction. At this time, the customer designates the simultaneous transfer of securities funds in which funds are transferred simultaneously with the buying and selling of securities. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) The order processing unit 32 inquires of the financial institution system 5 whether there is a stock to be sold and quantity (financial institution code, branch code, account number in the financial institution B, customer name, stock code, Issue name, transfer quantity, transfer date, inquiry number, securities fund simultaneous transfer category).

  (4) Upon receipt of the inquiry, the securities management unit 52 of the financial institution system 5 confirms the brand and quantity of the customer, and if there is a deposit, issues a receipt number and returns it to the financial institution system 3 (inquiry number, Information on the securities to be sold is recorded in the transfer schedule 50. In addition, the securities management unit 52 notifies the financial institution system 3 when there is no corresponding brand or when the quantity is insufficient.

  (5) Upon receiving a notice of receipt from the financial institution system 5, the order processing unit 32 executes the order. If the order is closed, the order is notified to the financial institution system 5 (financial institution B financial institution code, branch code, bank institution B account number, brand code, transfer quantity, transfer date, receipt number, settlement amount) , Distinction of order completion). When receiving the notification of the order establishment, the financial institution system 5 records the deposit schedule in the deposit schedule 56.

  The financial institution system 3 notifies the customer terminal 1 of the establishment and transfer of the order, records the warehousing schedule in the warehousing schedule table 34, and records the withdrawal schedule in the withdrawal schedule table 37. In addition, if there is a notice of no deposit from the financial institution system 5, the customer is notified and the order is not executed.

  (6) When the financial institution system 5 receives a notification of the order establishment from the financial institution system 3, the transfer processing unit 53 refers to the transfer schedule 50 using the receipt number as a key, and the sold security is financed from the financial institution B. Create instructions to transfer to institution A (financial institution B's account (transfer source), transfer institution's A account (transfer destination), stock code, transfer quantity, transfer date, receipt number) Transmit to the engine system 7. In addition, the securities management unit 52 deletes information related to the sold securities from the deposit securities DB 51 and records the amount corresponding to the settlement amount in the deposit record table 58 as deposit of money.

  (7) The transfer institution system 7 performs the transfer according to the transfer instruction, and the processing result including the receipt number (the account of the financial institution B (transfer source) in the transfer institution, the account of the financial institution A in the transfer institution (transfer destination)), The financial institution systems 3 and 5 are notified of the stock code, transfer quantity, transfer date, receipt number, and transfer completion. In the financial institution system 3, the contents of the notification from the transfer institution system 7 are collated with the warehousing schedule table 34, and the warehousing record is recorded. Further, the deposit / withdrawal processing unit 39 refers to the withdrawal schedule 37 and records the withdrawal to the financial institution B. In the financial institution system 5, the deposit / withdrawal processing unit 59 refers to the deposit schedule 56 and confirms the deposit.

  <5> A case in which a customer requests the financial institution A to purchase securities and deposits the purchased securities in the financial institution B will be described with reference to FIG. .

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When purchasing securities, the customer terminal 1 notifies the financial institution system 3 of a purchase order including the brand code and quantity of the brand to be purchased in accordance with the customer's instruction. At this time, the customer designates the simultaneous transfer of securities funds in which funds are transferred simultaneously with the sale and purchase of securities. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be designated each time.

  (3) The order processing unit 32 executes the order based on the purchase order. When this order is executed, the order processing unit 32 notifies the financial institution system 5 of the transfer schedule notification of the purchased securities (financial institution code, branch code, account number in the financial institution B, customer name, brand code, brand name, transfer). Quantity, transfer date, inquiry number, settlement amount, and simultaneous transfer of securities funds). Further, the deposit / withdrawal processing unit 39 records the deposit schedule in the deposit schedule table 36.

  (4) When the financial institution system 5 receives the transfer schedule notification from the financial institution system 3, the financial institution system 5 checks the presence or absence of the customer's account with reference to the deposit securities DB 51. Furthermore, a receipt number is issued and a reply (inquiry number, presence / absence of account, receipt number) is sent to the financial institution system 3, and the warehousing schedule is recorded in the warehousing schedule table 54. Further, the withdrawal schedule is recorded in the withdrawal schedule 57.

  (5) When the financial institution system 3 receives a reply from the financial institution system 5, if there is an account of the customer in the financial institution system 5, the transfer schedule is recorded in the transfer schedule table 30.

  (6) The transfer processing unit 33 refers to the transfer schedule table 30 and transfers a transfer instruction (an account of the financial institution A at the transfer institution (transfer source), an account of the financial institution B at the transfer institution) (Transfer destination), brand code, transfer quantity, transfer date, receipt number) are transmitted to the transfer institution system 7 and the securities issued by transfer are recorded.

  (7) The transfer institution system 7 performs the transfer based on the transfer instruction, and results of the transfer (an account of the financial institution A (transfer source) in the transfer institution, an account of the financial institution B in the transfer institution (transfer destination), stock code) , Transfer quantity, transfer date, receipt number, transfer completed distinction) are notified to the financial institution systems 3 and 5. The financial institution system 5 collates the notification from the transfer institution system 7 with the warehousing schedule table 54 and records the warehousing. Further, the deposit / withdrawal processing unit 59 refers to the withdrawal schedule 57 and records the withdrawal to the financial institution A. In the financial institution system 3, the deposit / withdrawal processing unit 39 confirms the deposit with reference to the deposit schedule 36.

  <6> A case in which a customer asks financial institution A to sell securities that have been collateralized by financial institution B, and the collateral is still set for the cash obtained from the sale. 10 will be used for explanation.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When selling securities, the customer terminal 1 notifies the financial institution system 3 of a sale order including the brand code and quantity of the brand to be sold that is collateral according to the customer's instruction. At this time, the customer designates the simultaneous transfer of securities funds in which funds are transferred simultaneously with the buying and selling of securities. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) Based on the sales order, the order processing unit 32 confirms the custody for inquiring the collateral providing financial institution system 5 about the brand to be sold and whether there is a quantity (financial institution code, branch code, account number in the financial institution B). , Customer name, brand code, brand name, transfer quantity, transfer date, inquiry number, securities fund simultaneous transfer category).

  (4) In the financial institution system 5 that has received the receipt confirmation notification, the securities management unit 52 confirms the brand and quantity of the customer, and if there is a deposit security registered as collateral in the collateral classification 517, the receipt number And reply to the financial institution system 3 (inquiry number, presence / absence of custody, reception number). Furthermore, the transfer schedule of the securities provided as collateral to be sold is recorded in the transfer schedule 50. In addition, the securities management unit 52 notifies the financial institution system 3 when there is no corresponding brand or when the quantity is insufficient.

  (5) Upon receiving notification from the financial institution system 5 that collateral has been set up, the order processing unit 32 executes the order. If the order is established, the order processing unit 32 notifies the financial institution system 5 that the order has been established (financial institution B financial institution code, branch code, financial institution B account number, brand code, transfer quantity, transfer date, (Reception number, settlement amount, order distinction). The warehousing schedule 34 and the withdrawal schedule 37 are recorded with the warehousing schedule and the withdrawal schedule, respectively. Further, the customer terminal 1 is notified of the establishment and transfer of the order. Further, if there is a notice of no deposit from the financial institution system 5, the customer is notified of this and the order is not executed.

  (6) When the financial institution system 5 receives the notification of the sale completion from the financial institution system 3, the transfer processing unit 53 refers to the transfer schedule table 50 using the receipt number 307 as a key, and sells to the transfer institution system 7. Instructions to transfer the purchased securities from financial institution B to financial institution A (financial institution B's account (transfer source), financial institution A's account at the transfer institution (transfer destination), stock code, transfer quantity, transfer date, Create a receipt number and send it. In addition, information on the sold securities is deleted from the deposit securities DB 51, and the deposit / withdrawal processing unit 59 records the deposit schedule in the deposit schedule table 56.

  (7) The transfer institution system 7 performs the transfer according to the transfer instruction, and the processing result including the receipt number (the account of the financial institution B at the transfer institution (transfer source), the account of the financial institution A at the transfer institution (transfer destination), The financial institution systems 3 and 5 are notified of the stock code, transfer quantity, transfer date, receipt number, and transfer completion. In the financial institution system 3, the contents of the notification from the transfer institution system 7 are collated with the warehousing schedule table 34, and the warehousing record is recorded. Further, the deposit / withdrawal processing unit 39 refers to the withdrawal schedule 37 and records the withdrawal. In the financial institution system 5, when the deposit / withdrawal processing unit 59 refers to the deposit schedule table 56 and confirms the deposit, the settlement amount equivalent is recorded in the deposit record table 58 as collateral for money (collateralized as collateral classification 586 is set). The collateral is set on the deposited cash.

  Thereby, it switches to cash collateral by selling the securities provided as collateral.

  <7> When a customer asks financial institution A to purchase securities using the deposits of customers for whom collateral has been set by financial institution B, and collateral continues to be set for the purchased securities. This will be described with reference to FIG.

  (1) A customer registers, through the customer terminal 1, information on the financial institution B in which the security is stored in the customer DB 31 of the financial institution system 3 that buys and sells the securities.

  (2) When purchasing securities, the customer terminal 1 notifies the financial institution system 3 of a purchase order using a collateralized deposit including a brand code and quantity of a brand to be purchased in accordance with a customer instruction. At this time, the customer designates the simultaneous transfer of securities funds in which funds are transferred simultaneously with the buying and selling of securities. In addition, when deposits are transferred from a financial institution other than a pre-registered financial institution, it may be specified each time.

  (3) The order processing unit 32 executes the order based on the purchase order. When this order is executed, the order processing unit 32 notifies the financial institution system 5 of the transfer schedule notification of the purchased securities (financial institution code, branch code, account number in the financial institution B, customer name, brand code, brand name, transfer). Quantity, transfer date, inquiry number, collateral designation category, securities fund simultaneous transfer category). Further, the deposit / withdrawal processing unit 39 records the deposit schedule in the deposit schedule table 36.

  (4) When the financial institution system 5 receives the transfer schedule notification from the financial institution system 3, the financial institution system 5 checks the presence or absence of the customer's account with reference to the deposit securities DB 51. Furthermore, a receipt number is issued and a reply (inquiry number, presence / absence of account, receipt number) is returned to the financial institution system 3, and the collateral classification 347 is set in the warehousing schedule table 54 and the warehousing schedule is set. Record. Further, the withdrawal schedule is recorded in the withdrawal schedule 57.

  (5) When the financial institution system 3 receives the reply from the financial institution system 5, if there is an account of the customer in the financial institution system 5, the transfer schedule is recorded in the transfer schedule table 30.

  (6) The transfer processing unit 33 refers to the transfer schedule table 30 and transfers the transfer instruction (the account of the financial institution A at the transfer institution (transfer source), the self of the financial institution B at the transfer institution) The collateral management account (transfer destination), brand code, transfer quantity, transfer date, receipt number) are transmitted to the transfer institution system 7 and the securities issued by transfer are recorded.

  (7) The transfer institution system 7 performs the transfer based on the transfer instruction, and the transfer result including the notification number (the account of the financial institution A (transfer source) in the transfer institution, the collateral of the financial institution B in the transfer institution) Management account (transfer destination), issue code, transfer quantity, transfer date, receipt number, and transfer completed) are notified to the financial institution systems 3 and 5. The financial institution system 5 collates the notification from the transfer institution system 7 with the warehousing schedule 54 and sets collateral together with the warehousing record. Further, the deposit / withdrawal processing unit 59 refers to the withdrawal schedule 57 and records the withdrawal to the financial institution A. In the financial institution system 3, the deposit / withdrawal processing unit 39 confirms the deposit with reference to the deposit schedule 36.

  As a result, those with collateral were switched from cash to securities purchased.

  According to the present embodiment, the system of the financial institution that buys and sells and the system of the financial institution that deposits the securities are linked, so that the customer can save the trouble of contacting each financial institution. In addition, for financial institutions that buy and sell, delivery of securities necessary for buying and selling is executed reliably, and settlement risk is reduced. Furthermore, it is possible to prevent temporary loss of assets in custody by recording funds in conjunction with the transfer of securities.

  The above-described embodiments of the present invention are examples for explaining the present invention, and are not intended to limit the scope of the present invention only to those embodiments. Those skilled in the art can implement the present invention in various other modes without departing from the gist of the present invention.

It is a figure which shows the whole structure of the buying and selling linked securities transfer system which concerns on one Embodiment of this invention. It is a figure which shows an example of the data structure of customer DB and deposit securities DB. It is a figure which shows an example of the data structure of a receipt schedule, a delivery schedule, a receipt schedule, and a withdrawal record table. It is a figure which shows an example of the data structure of a payment record table and a transfer schedule. It is a sequence diagram when the financial institution A is requested to sell the securities deposited in the financial institution B. FIG. 5 is a sequence diagram when a financial institution A is requested to purchase securities and the purchased securities are deposited in the financial institution B. FIG. 11 is a sequence diagram when selling after the transfer from the financial institution B to the financial institution A in the case of requesting the financial institution A to sell the securities deposited in the financial institution B; In the case where the financial institution A is requested to sell the securities deposited with the financial institution B, it is a sequence diagram when the funds obtained by the sale are transferred. FIG. 10 is a sequence diagram when a purchase of securities is requested from the financial institution A and the purchased securities are deposited in the financial institution B, accompanied by movement of funds required for the purchase. FIG. 10 is a sequence diagram when a collateral is set in the financial institution B, the financial institution A is requested to sell the securities deposited by the customer, and the collateral is subsequently set in the cash obtained by the sale. FIG. 10 is a sequence diagram when a financial institution A is requested to purchase securities using a deposit of a customer for whom collateral is set at the financial institution B, and collateral is subsequently set for the purchased securities.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Customer terminal 3 Financial institution system 3, 5 Financial institution system 7 Transfer institution system 30, 50 Transfer schedule table 32 Order processing part 33, 53 Transfer process part 34, 54 Receipt schedule 35 Exit schedule 36, 56 Receipt schedule 37 , 57 Withdrawal schedule 39, 59 Deposit / withdrawal processing section 51 Deposited securities DB
52 Securities Management Department 58 Deposit Record Table

Claims (7)

A first financial institution system of a first financial institution that buys and sells securities based on an order from a customer; and a second financial institution system of a second financial institution that deposits the customer's securities;
The first financial institution system is:
A receiving means for receiving an order from a customer including a brand code and a quantity;
Means for inquiring to the second financial institution system whether or not there is a stock code and quantity of securities related to the sales order accepted by the accepting means for the customer;
As a result of the inquiry by the inquiry means, if there is a stock code and quantity of securities related to the sale order, means for executing the sale order;
Means for notifying a second financial institution system of the execution result of the sale order when the sale order execution means executes the sale order;
Warehousing schedule storage means for storing a warehousing schedule of the same securities as the securities sold by the sale order;
In response to the transfer instruction from the second financial institution system, when the external transfer institution system receives a notification of the result of the transfer, it collates with the warehousing schedule stored in the warehousing schedule storage means. Means, and
The second financial institution system is
Custody storage means for storing information on the custody from the customer;
Means for responding to the inquiry from the first financial institution system with reference to the deposit securities storage means;
Transfer means for instructing the external transfer institution system to transfer securities equivalent to the securities sold by executing the sale order from the second financial institution to the first financial institution. A system for transferring securities linked to the buying and selling of securities. The first financial institution system is:
Means for executing the purchase order upon receiving a purchase order from the customer, wherein the reception means includes a brand code and a quantity;
Means for notifying the second financial institution system of a transfer schedule of securities purchased by execution of the purchase order when the purchase order execution means executes the purchase order;
Transfer means for instructing the external transfer institution system to transfer securities purchased by executing the purchase order from the first financial institution to the second financial institution; Prepared,
The second financial institution system is
When receiving the transfer schedule notification from the first financial institution system, a warehousing schedule storage means for storing a warehousing schedule of the securities purchased by the purchase order;
The system further comprises means for collating with a warehousing schedule stored in the warehousing schedule storage means when the external transfer organization system receives a notification of the result of the transfer based on the transfer instruction. A system for transferring securities linked to the listed securities trading. A first financial institution system of a first financial institution that buys and sells securities based on an order from a customer; and a second financial institution system of a second financial institution that deposits the customer's securities;
The first financial institution system is:
A receiving means for receiving an order from a customer including a brand code and a quantity;
Means for instructing transfer to the second financial institution system so as to look back from the second financial institution to the first financial institution of the stock code and quantity related to the sale order received by the reception means for the customer. When,
Upon receiving a notification that a transfer instruction has been executed from the second financial institution system to an external transfer institution system, a storage schedule storage for storing a storage schedule of the same securities as the securities sold by the sale order Means,
In response to the transfer instruction from the second financial institution system, when the external transfer institution system receives a notification of the result of the transfer, it collates with the warehousing schedule stored in the warehousing schedule storage means. Means,
As a result of the verification, if the transfer result matches the warehousing schedule, means for executing the sale order, and
The second financial institution system is
Custody storage means for storing information related to custody from the customer;
Referring to the deposit securities storage means, in accordance with a transfer instruction from the first financial institution system, to the external transfer institution system, from the second financial institution to the first financial institution, A transfer means for instructing to transfer securities equivalent to the securities sold by execution of the sell order;
A system for transferring securities in conjunction with the buying and selling of securities, comprising: means for notifying the first financial institution system that the transferring means has executed a transfer instruction to the external transferring organization. The first financial institution system is:
A withdrawal schedule storage means for storing a withdrawal schedule of the price of the securities sold by execution of the sale order;
Means for recording withdrawals with reference to the withdrawal schedule storage means after receiving a notification of the result of the transfer by the external transfer organization system;
The second financial institution system is
Upon receipt of the execution result notification of the sale order from the first financial institution system, a payment schedule storage means for storing a payment schedule of the price related to the sale;
The apparatus further comprises means for receiving a payment record with reference to the payment schedule storage means after receiving a notification of a transfer result corresponding to a transfer instruction by the transfer means from the system of the external transfer organization. A system that transfers securities linked to the buying and selling of securities. The first financial institution system is:
A deposit schedule storage means for storing a deposit schedule of the price of the securities purchased by execution of the purchase order;
Means for recording a payment with reference to the payment schedule storage means after receiving a notification of the result of the transfer based on the transfer instruction by the external transfer institution system;
The second financial institution system is
Upon receiving the transfer schedule notification from the first financial institution system, a withdrawal schedule storage means for storing a withdrawal schedule of the price related to the purchase;
3. The apparatus according to claim 2, further comprising means for recording a withdrawal with reference to the withdrawal schedule storage unit after receiving a notification of a result of the transfer based on the transfer instruction by the external transfer organization system. A system that transfers securities linked to the buying and selling of securities. When collateral is set for the securities to be sold related to the sales order accepted by the first financial institution system,
5. The transfer of securities in conjunction with the buying and selling of securities according to claim 4, wherein said means for recording said deposit of said second financial institution system records the deposit by setting collateral on the price of sale. System to do. When the purchase order accepted by the first financial institution system is a purchase order of securities with funds with collateral,
6. The transfer of securities in conjunction with the buying and selling of securities according to claim 5, wherein said warehousing schedule storage means of said second financial institution system stores setting of collateral for securities to be purchased. System to do.

Images