JP2003187071A - Settlement processing system and method - Google Patents
Settlement processing system and methodInfo
- Publication number
- JP2003187071A JP2003187071A JP2001388459A JP2001388459A JP2003187071A JP 2003187071 A JP2003187071 A JP 2003187071A JP 2001388459 A JP2001388459 A JP 2001388459A JP 2001388459 A JP2001388459 A JP 2001388459A JP 2003187071 A JP2003187071 A JP 2003187071A
- Authority
- JP
- Japan
- Prior art keywords
- securities
- customer
- settlement
- shares
- order
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000012545 processing Methods 0.000 title claims abstract description 133
- 238000000034 method Methods 0.000 title claims abstract description 49
- 230000007246 mechanism Effects 0.000 claims abstract description 102
- 230000008569 process Effects 0.000 claims abstract description 41
- 238000000151 deposition Methods 0.000 claims abstract description 11
- 238000003672 processing method Methods 0.000 claims description 4
- 238000012546 transfer Methods 0.000 abstract description 111
- 238000004891 communication Methods 0.000 description 7
- 238000010586 diagram Methods 0.000 description 7
- 230000002950 deficient Effects 0.000 description 5
- 230000006870 function Effects 0.000 description 5
- 238000012790 confirmation Methods 0.000 description 2
- 238000007796 conventional method Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000008520 organization Effects 0.000 description 1
- 230000002093 peripheral effect Effects 0.000 description 1
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は、有価証券の利便
性、流通性、換金性を向上させることのできる決済処理
システム及び方法に関するものである。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement processing system and method capable of improving the convenience, circulation, and convertibility of securities.
【０００２】[0002]
【従来の技術】現在、株式等の有価証券は、市場で売買
され、証券保管振替機構を介して証券決済されている。
この証券保管振替機構（以下、保管振替機構という、図
中では保振機構ともいう）とは、株券等の有価証券を集
中保管し、有価証券の受渡しを券面そのものの授受に代
えて、保管振替機構に設けられた口座間の振替によって
処理する機構のことである。有価証券の所有者は、この
保管振替機構に当該有価証券を預託することで、有価証
券を安全に保管することができ、有価証券の証券決済処
理が迅速になり、名義書換手続き等の手続きが不要にな
る等の利点がある。2. Description of the Related Art Currently, securities such as stocks are bought and sold in the market and settled through securities deposit transfer mechanism.
This securities custody transfer mechanism (hereinafter, also referred to as a custody transfer mechanism, also referred to as a custody transfer mechanism in the figure) centrally stores securities such as stock certificates, and transfers the securities instead of giving and receiving the securities themselves. It is a mechanism for processing by transfer between accounts provided in. By depositing the securities in this custody transfer mechanism, the owner of the securities can safely store the securities, speed up the securities settlement process of the securities, and perform procedures such as name transfer procedures. There are advantages such as being unnecessary.
【０００３】例えば有価証券が株券である場合、保管振
替機構に株券を預託すると、当該株券の名義は、一旦保
管振替機構となる。保管振替機構に預託後、特定の手続
きを踏むことにより当該株券の名義を当該株券を預託し
た株券所有者とすることができる。しかし、一時期当該
株券の名義が保管振替機構となるため、株主代表訴訟提
起権、株主総会招集請求権等、一定の期間連続して株主
（株券の名義人）である人のみに付与される権限が消失
してしまうこともある。このような背景から、株券を保
管振替機構に預託せず、自身で保管したり、証券会社等
の販売会社の金庫に自身名義の株券を預託する場合もあ
る。このような株券を売る場合は、一度保管振替機構に
当該株券を預託する必要がある。For example, when the securities are stock certificates, when the stock certificates are deposited in the custody transfer mechanism, the name of the stock certificate once becomes the custody transfer mechanism. After depositing with the custody transfer mechanism, the share certificate holder can take the name of the share certificate as the share certificate depositor by depositing the share certificate. However, since the name of the share certificate will be a custody transfer mechanism for a period of time, the authority granted only to persons who are shareholders (shareholders of share certificates) for a certain period of time, such as the right to file a lawsuit for shareholder representation and the right to call for a general meeting of shareholders. May disappear. From such a background, there are cases where the stock certificate is not deposited in the custody transfer mechanism but is stored by itself or the stock certificate in the name of the customer is deposited in a safe of a sales company such as a securities company. In order to sell such a stock certificate, it is necessary to deposit the stock certificate once with the custody transfer mechanism.
【０００４】[0004]
【発明が解決しようとする課題】現在、有価証券を売る
場合、その決済日（受渡日）は、当該有価証券を売ると
した日である約定日から３営業日後である。図４に示す
ように、証券は、例えば、当該証券の所有者の手元、証
券を売買する販売会社の営業所（支店等）の金庫、販売
会社の本部（本店等）の金庫、保管振替機構、積送中な
ど、様々な状況や場所（所在）にある。このように、様
々な所在の証券を、例えば販売会社で保管する証券を保
管振替機構に預託するというような、決済可能な所在に
するまでの日数が概ね３日であり、且つ又、当該証券の
決済日も約定日から起算して３営業日後となっており、
そのような決済するまでに実施すべき処理は、人を介し
た事務ルートでまかなわれている実態がある。Currently, when selling securities, the settlement date (delivery date) is three business days after the contract date, which is the day when the securities are sold. As shown in FIG. 4, the securities are, for example, at the owner of the securities, safes at sales offices (branches, etc.) of sales companies that sell and sell the securities, safes at headquarters of the sales companies (headquarters, etc.), and storage transfer mechanisms. , In various situations and places (location) such as during shipment. As described above, the number of days until the place where settlement of the securities of various locations is settled such as depositing the securities held at the sales company to the custody transfer mechanism is about 3 days, and the securities concerned The settlement date of is 3 business days after the contract date,
The process that should be executed before such settlement is actually handled by a business route through people.
【０００５】ところが、SIA（米国証券業組合）や大蔵
省（当時）等により、現行で決済日が約定日から３営業
日後であるものを、約定日の翌営業日にし、業者間決済
のリスク軽減を図ると共に、利便性、流動性、換金性を
向上させる、という計画がある。約定日に既に、当該証
券が保管振替機構に預託済である場合、又は、当該証券
が保管振替機構に預託処理中である場合であれば可能で
あるが、上述のような証券所有者の都合等により、証券
を保管振替機構に預託せず、販売会社の本部（本店等）
又は営業店（支店等）の金庫や、証券所有者自身の金庫
等に保管している場合もある。このような場合、従来方
式では、当該証券を保管振替機構に預託するという処理
が必要なため、約定日の翌営業日に決済することは困難
である。本発明はこのような事情に鑑みてなされたもの
で、有価証券の利便性、流通性、換金性を向上させるこ
とのできる決済処理システム及び方法を提供することを
目的とする。However, due to the SIA (American Securities Dealers Association) and the Ministry of Finance (at that time), the current settlement date is 3 business days from the contract date, and the business day following the contract date is set to reduce the risk of settlement between traders. There is a plan to improve convenience, liquidity and cash exchange. This is possible if the securities have been deposited with the custodian transfer mechanism already on the trade date, or if the securities have been escrowed with the custodian transfer mechanism. Due to such reasons, securities are not deposited in the custody transfer mechanism, and the headquarters of the sales company (head office etc.)
Alternatively, it may be stored in the safe of a business office (branch, etc.) or the safe of the securities owner. In such a case, in the conventional method, it is difficult to settle the securities on the business day following the contract date, because the securities must be deposited in the custody transfer mechanism. The present invention has been made in view of such circumstances, and an object of the present invention is to provide a settlement processing system and method capable of improving the convenience, circulation, and convertibility of securities.
【０００６】[0006]
【課題を解決するための手段】本発明は上記の目的を達
成するためになされたもので、顧客から有価証券の売り
の注文を処理する決済処理システムであって、前記顧客
の有価証券の所在と、前記所在における前記有価証券の
数量情報とを含む顧客残高情報を記憶する記憶部と、前
記顧客残高情報に基づいて、現在の前記顧客の有価証券
の所在において、前記顧客からの注文の決済が可能か否
か判断する決済可否判断部と、前記判断の結果、決済不
可であると判断された場合、前記決済に不足する有価証
券を調達・融通する処理を実施する処理部と、前記注文
の決済処理を実施する決済部と、を備えることを特徴と
する。The present invention has been made to achieve the above object, and is a settlement processing system for processing an order for selling securities from a customer, wherein the securities of the customer are located. And a storage unit for storing customer balance information including quantity information of the securities in the location, and settlement of an order from the customer at the current location of the securities of the customer based on the customer balance information. A settlement approval / disapproval determination unit that determines whether or not payment is possible, and a processing unit that executes a process of procuring / accommodating securities that are insufficient for payment if the result of the determination is that payment is not possible, the order And a settlement unit that carries out the settlement process.
【０００７】これにより、有価証券が保管振替機構に預
託されていない場合でも、有価証券を調達・融通するこ
とができるので、当該有価証券の所在にかかわらず、決
済処理を実施することができる。有価証券を売る顧客の
利便性を向上させ、さらに、有価証券の流動性、換金性
を向上させることができる。As a result, even if the securities are not deposited in the custody transfer mechanism, the securities can be procured and exchanged, so that the settlement process can be performed regardless of the whereabouts of the securities. It is possible to improve the convenience of customers who sell securities, and further improve the liquidity and convertibility of securities.
【０００８】また、本発明は、上記発明において、前記
決済可否判断部は、前記有価証券の所在が、前記有価証
券を集中保管する機構への預託処理完了であることを示
す預託済である場合と、前記機構へ預託処理中であるこ
とを示す預託中である場合と、を決済可能であると判断
することを特徴とする。Further, in the present invention according to the above-mentioned invention, in the case where the settlement approval / disapproval determination unit has already deposited a deposit indicating that the whereabouts of the securities are depositary processing to a mechanism for centrally storing the securities. And the case where the deposit is being submitted to the above-mentioned mechanism, which indicates that the deposit processing is being performed.
【０００９】また、本発明は、上記発明において、前記
調達・融通した有価証券を返還する処理をする返還処理
部をさらに備えることを特徴とする。The present invention is also characterized in that, in the above-mentioned invention, a return processing unit for performing processing for returning the securities that have been procured and exchanged is further provided.
【００１０】また、本発明は、上記発明において、前記
顧客の有価証券のうち、前記預託済及び前記預託中以外
の所在の有価証券を前記機構に預託処理する預託処理部
と、前記機構に預託した有価証券を返還する処理をする
返還処理部と、をさらに備えることを特徴とする。Further, in the present invention according to the above invention, among the securities of the customer, a deposit processing unit that deposits securities of the customer other than the deposited deposits and the deposits in the deposit, and deposits to the depository. And a return processing unit for performing processing for returning the securities.
【００１１】また、本発明は、上記発明において、前記
決済可否判断部は、前記顧客からの売りの注文を受けた
とき、既に買い注文約定済の有価証券を決済可能である
と判断することを特徴とする。Further, in the present invention according to the above invention, the settlement approval / disapproval determination unit determines that the securities for which a purchase order has already been promised can be settled when receiving a sell order from the customer. Characterize.
【００１２】また、本発明は、上記発明において、前記
決済部は、前記決済処理を、前記注文が確定した日の翌
営業日に実施することを特徴とする。The present invention is also characterized in that, in the above-mentioned invention, the settlement section carries out the settlement process on a business day following a day on which the order is confirmed.
【００１３】また、本発明は、顧客から有価証券の売り
の注文を前記顧客の代理としてコンピュータにより処理
する決済処理方法であって、前記顧客の有価証券の所在
と、前記所在における前記有価証券の数量情報とを含む
顧客残高情報を前記コンピュータが記憶する工程と、前
記顧客残高情報に基づき、現在の前記顧客の有価証券の
所在において、前記顧客からの注文の決済が可能か否か
前記コンピュータが判断する工程と、前記判断の結果、
決済不可であると判断された場合、前記決済に不足する
有価証券を調達・融通する処理を前記コンピュータが実
施する工程と、前記注文の決済処理を前記コンピュータ
が実施する工程とを有することを特徴とする。Further, the present invention is a settlement processing method for processing an order to sell securities from a customer by a computer on behalf of the customer, wherein the whereabouts of the securities of the customer and the securities at the whereabouts. The computer stores customer balance information including quantity information, and based on the customer balance information, the computer determines whether or not settlement of an order from the customer is possible at the current location of the securities of the customer. The step of judging and the result of the judgment,
When it is determined that payment is not possible, the computer includes a process of procuring and accommodating securities that are insufficient for the payment, and a process of performing the payment process of the order by the computer. And
【００１４】また、本発明は、上記発明において、前記
調達・融通した有価証券を返還する処理を前記コンピュ
ータが実施する工程をさらに備えることを特徴とする。Further, the present invention is characterized in that, in the above-mentioned invention, the method further comprises the step of causing the computer to carry out a process of returning the securities that have been procured and exchanged.
【００１５】[0015]
【発明の実施の形態】以下、図面を参照し、本発明の実
施形態について説明する。図７は、決済までの流れを示
す図である。ここでは、約定日から３営業日後に決済す
る現状の決済をＴ+３決済（Ｔ：Trading date）とい
い、又、約定日の翌営業日に決済する決済をＴ+１決済
という。DETAILED DESCRIPTION OF THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 7 is a diagram showing a flow until settlement. Here, the current settlement that is settled three business days after the trade date is called T + 3 settlement (T: Trading date), and the settlement that is settled on the next business day of the trade date is called T + 1 settlement.
【００１６】まず、証券を売る動作を説明する。証券
は、図示されていない当該証券の所有者の金庫等や、証
券会社等の販売会社の営業店（支店等）又は本部（本店
等）の金庫等、保管振替機構等に保管されている。証券
を売買する販売会社等は、予め保管振替機構内に口座を
設けている。証券が売りに出されると、市場で当該証券
の値がつけられ、他の販売会社等により当該証券が買わ
れる。例えば、売り対象の証券が、所有者の金庫等や、
販売会社の金庫等にある場合、当該証券を、まず、保管
振替機構内の当該販売会社の口座に預託する。当該証券
が他の販売会社等に買われると、保管振替機構は、売り
に出された証券を、当該販売会社の口座から、当該証券
を買った販売会社（取引先）の口座に振り替える。First, the operation of selling securities will be described. The securities are stored in a storage transfer mechanism or the like, such as a safe of the owner of the securities (not shown) or a safe of a sales company (branch or the like) or a headquarters (head office or the like) of a sales company such as a securities company. A sales company or the like that buys and sells securities has an account in advance in the storage and transfer mechanism. When a security is put up for sale, the price of the security is quoted in the market and the security is bought by another selling company. For example, if the securities to be sold are the owner's safe,
If the securities are in the safe of the selling company, the securities are first deposited in the account of the selling company in the depositary transfer mechanism. When the securities are bought by another selling company, the custody transfer mechanism transfers the securities put up for sale from the account of the selling company to the account of the selling company (customer) who bought the securities.
【００１７】図７の（Ａ）に示すように、現行では、こ
の販売会社の金庫等に保管されている証券を保管振替機
構の当該販売会社の口座に預託するのに概ね３日かかる
が、決済日は約定日から３営業日後であるため、決済に
は間に合っている。以下で説明する本実施形態の決済処
理システムは、図７の（Ｂ）に示すように、預託するの
にｎ日（ｎは１以上の整数）かかっても、約定日の翌営
業日に決済するＴ+１決済を可能とするものである。こ
こでは、有価証券が株式であるものとし、以下、その詳
細を説明する。As shown in FIG. 7A, it currently takes about 3 days to deposit the securities stored in the safe of the selling company into the account of the selling company of the depository transfer mechanism. Since the settlement date is 3 business days after the contract date, the settlement is in time. As shown in FIG. 7B, the settlement processing system according to the present embodiment described below makes a settlement on the next business day of a contract day even if it takes n days (n is an integer of 1 or more) to deposit. It enables T + 1 settlement. Here, it is assumed that the securities are stocks, and the details thereof will be described below.
【００１８】図１は、Ｔ+１決済を可能とする決済処理
システムの構成を示すブロック図である。この図におい
て、１は決済処理システムである。２は取引システムで
あり、市場で有価証券の取引を行ない、当該有価証券を
売買するためのシステムである。３は保管振替機構シス
テムであり、取引システム２で取引された有価証券は、
保管振替機構システム３により、保管振替機構内に開設
された口座間で振替決済される。決済処理システム１を
管理する販売会社は、当該保管振替機構に口座を開設し
ている。４は通信ネットワークであり、決済処理システ
ム１、取引システム２、保管振替機構システム３は、通
信ネットワーク４を介して互いに接続されている。FIG. 1 is a block diagram showing the arrangement of a payment processing system that enables T + 1 payment. In this figure, 1 is a payment processing system. A trading system 2 is a system for trading securities in the market and trading the securities. Numeral 3 is a custody transfer mechanism system, and securities traded in the trading system 2 are
By the storage transfer mechanism system 3, a transfer is settled between accounts opened in the storage transfer mechanism. The sales company that manages the payment processing system 1 opens an account in the storage transfer mechanism. Reference numeral 4 denotes a communication network, and the payment processing system 1, the transaction system 2, and the storage transfer mechanism system 3 are connected to each other via the communication network 4.
【００１９】決済処理システム１において、１０は通信
インターフェースである。１１は受注可否判断部であ
る。１２は顧客残高記憶部である。１３は発注処理部で
ある。１４は決済可否判断部である。１５は貸株処理部
である。１６は自己残高記憶部である。１７は貸借契約
記憶部である。１８は預託処理部である。１９は決済部
である。２０は貸株返還処理部である。In the payment processing system 1, 10 is a communication interface. Reference numeral 11 is an order acceptance / rejection determination unit. Reference numeral 12 is a customer balance storage unit. Reference numeral 13 is an order processing unit. Reference numeral 14 is a settlement approval / disapproval determination unit. Reference numeral 15 is a stock lending processing unit. Reference numeral 16 is a self-balance storage unit. Reference numeral 17 is a loan contract storage unit. 18 is a deposit processing section. Reference numeral 19 is a settlement section. 20 is a stock lending and refund processing section.
【００２０】まず、図２、図３及び図４を参照し第１の
実施形態を説明する。顧客残高記憶部１２は、顧客毎及
び銘柄毎に、株券の所在と、各所在における株数とを示
す顧客残高情報を記憶している。株券の所在の例を図４
の（ａ）〜（ｍ）に示す。株券の所在は、大きく分け
て、株券所有者の手元（図示略）、販売会社の営業店
（支店等）の金庫（図４における（ｉ））、販売会社の
本部（本店等）の金庫（図４における（ｄ）、（ｅ）、
（ｊ））、保管振替機構（図４における（ａ）、
（ｋ）、（ｌ））がある。この他に、販売会社の営業店
と本部との間の積送中（図４における（ｆ）〜
（ｇ））、保管振替機構への預託処理中（図４における
（ｃ））、保管振替機構からの交付処理中（図４におけ
る（ｂ））、株券の名義書換中（図４における（ｍ））
などがある。この顧客残高情報は、決済処理システム
１、取引システム２、保管振替機構システム３又は図示
されていないシステム等から取得され、顧客の所有する
株数や当該株券の所在が変更した時に更新され、顧客残
高記憶部１２には常に最新の情報が格納されているもの
とする。First, the first embodiment will be described with reference to FIGS. 2, 3 and 4. The customer balance storage unit 12 stores customer balance information indicating the whereabouts of the stock certificate and the number of shares at each whereabouts for each customer and each issue. Figure 4 Example of where stock certificate is located
(A) to (m). The location of the stock certificate is roughly divided into the stock holder's hand (not shown), the sales company's store (branch, etc.) safe ((i) in FIG. 4), the sales company's headquarters (head office, etc.) safe ( (D), (e) in FIG.
(J)), storage transfer mechanism ((a) in FIG. 4,
There are (k) and (l). In addition, during shipment between the sales office of the sales company and the headquarters ((f)-
(G)), during deposit processing to the storage transfer mechanism ((c) in FIG. 4), during delivery processing from the storage transfer mechanism ((b) in FIG. 4), during transfer of share certificates ((m in FIG. 4) ))
and so on. This customer balance information is acquired from the payment processing system 1, the transaction system 2, the storage transfer mechanism system 3 or a system not shown, and is updated when the number of shares owned by the customer or the whereabouts of the stock certificate is changed, It is assumed that the storage unit 12 always stores the latest information.
【００２１】顧客残高記憶部１２内の顧客残高情報の一
例を図３の（Ａ）に示す。この例では、顧客残高情報
は、顧客Ａのα銘柄の株券が、販売会社の営業店（支店
等）に２０００株保管（「支店保管」）、販売会社の本
部（本店等）に１０００株保管（「集中保管」）、保管
振替機構に２０００株が預託済み（「保管振替機構」）
であることを示している。なお、図３の（Ａ）に示す
「保管振替機構預託中」とは、保管振替機構に預託処理
途中であることを示している。An example of the customer balance information in the customer balance storage unit 12 is shown in FIG. In this example, the customer balance information is as follows: 2000 shares of a stock certificate of the A brand of customer A are stored in the sales office (branch, etc.) of the sales company (“branch storage”), 1000 shares are stored in the headquarters of the sales company (head office, etc.). (“Centralized storage”), 2000 shares have been deposited with the storage transfer mechanism (“storage transfer mechanism”)
Is shown. It should be noted that “under deposit with the storage transfer mechanism” shown in (A) of FIG. 3 indicates that deposit processing is in process with the storage transfer mechanism.
【００２２】ここでは、顧客から、売注文を受けたもの
とする。注文を受けると、販売会社の社員等は、当該顧
客の売注文を処理するための情報を、図示されていない
入出力装置を用いて入力等する（図２におけるステップ
Ｓ１０）。ここでは、顧客Ａから、α銘柄３０００株の
売注文を受けた場合を例にして説明する。Here, it is assumed that a sales order has been received from the customer. Upon receiving the order, the employee of the sales company or the like inputs information for processing the sales order of the customer using an input / output device (not shown) (step S10 in FIG. 2). Here, a case where a sales order for 3000 shares of α brand is received from customer A will be described as an example.
【００２３】決済処理システム１の受注可否判断部１１
は、顧客の注文が実行可能か否か判断する（図２におけ
るステップＳ１１）。具体的には、例えば、受注可否判
断部１１は、売りを指定された銘柄において、売注文株
数と、当該顧客の残株数（当該顧客の所有する株数）と
を比較し、残株数のほうが多ければ、当該注文を実行す
るための次のステップに移行し、残株数のほうが少なけ
れば注文不可としてエラーを返すなどする（図２におけ
るステップＳ１２）。ここで、上述した顧客Ａの場合を
例として説明する。顧客Ａの銘柄αにおける残株数は、
２０００株（「支店保管」）+１０００株（「集中保
管」）+２０００株（「保管振替機構」）＝５０００株
であり、顧客Ａから受けた売注文が３０００株であるの
で、受注可否判断部１１は当該注文が実行可能と判断す
る。Order acceptability determination unit 11 of the payment processing system 1
Determines whether the customer's order can be executed (step S11 in FIG. 2). Specifically, for example, the order acceptance / rejection determination unit 11 compares the number of shares sold for sale with the number of remaining shares of the customer (the number of shares owned by the customer) in the stock designated to be sold, and the remaining number of shares is larger. For example, the process proceeds to the next step for executing the order, and if the number of remaining shares is smaller, the order is not accepted and an error is returned (step S12 in FIG. 2). Here, the case of the customer A described above will be described as an example. The number of remaining shares in the stock α of customer A is
2000 shares (“branch storage”) + 1000 shares (“centralized storage”) + 2000 shares (“storage transfer mechanism”) = 5000 shares, and the sales order received from customer A is 3000 shares. The unit 11 determines that the order can be executed.
【００２４】注文が実行可能である場合、発注処理部１
３は、当該銘柄の株券の売注文を取引システム２に発注
する（図２におけるステップＳ１３）。取引システム２
は、当該注文を処理し、注文の出来を、決済処理システ
ム１に通知する。決済処理システム１の発注処理部１３
は、出来通知を受けると、約定処理を行なう（図２にお
けるステップＳ１４）。When the order can be executed, the order processing unit 1
3 places an order to sell the stock certificate of the issue in the trading system 2 (step S13 in FIG. 2). Trading system 2
Processes the order and notifies the settlement processing system 1 of the success of the order. Order processing unit 13 of the payment processing system 1
Upon receipt of the notification of completion, the contract processing is executed (step S14 in FIG. 2).
【００２５】次に、決済処理システム１の決済可否判断
部１４は、売約定株式の翌営業日決済が可能であるか否
か判断する（図２におけるステップＳ１５）。具体的に
は、決済可否判断部１４は、例えば、売約定株数と、約
定日の翌営業日に決済可能な当該顧客の保有株数とを比
較する。この、約定日の翌営業日に決済可能な株式と
は、保管振替機構に預託済みの株券と保管振替機構に預
託処理中の株券である。この比較の結果、売約定株数よ
り、約定日の翌営業日に決済可能な当該顧客の保有株数
の方が少なければ、後述するステップＳ１６、Ｓ１７の
動作に移行する。売約定株数より、約定日の翌営業日に
決済可能な当該顧客の保有株数の方が多ければ、決済処
理に移る。Next, the settlement approval / disapproval determination unit 14 of the payment processing system 1 determines whether or not the next business day settlement of the contracted stock is possible (step S15 in FIG. 2). Specifically, the settlement approval / disapproval determination unit 14 compares, for example, the number of contract shares to be sold with the number of shares held by the customer that can be settled on the next business day of the contract day. The stocks that can be settled on the business day following the contract day are the stock certificates that have been deposited with the custodian transfer mechanism and the stock certificates that have been deposited with the custodian transfer mechanism. As a result of this comparison, if the number of shares held by the customer that can be settled on the business day following the contract date is smaller than the number of shares sold, the operation proceeds to steps S16 and S17 described later. If the number of shares held by the customer that can be settled on the next business day of the contract date is greater than the number of shares sold, the settlement process starts.
【００２６】図３の（Ａ）を参照し上述の顧客Ａの例で
説明すると、銘柄αにおいて、売約定株数が３０００株
である場合、顧客Ａの約定日の翌営業日に決済可能な保
有株数は、２０００株（「保管振替機構」）+０株
（「保管振替機構預託中」）＝２０００株であることか
ら、売約定株数より約定日の翌営業日に決済可能な保有
株数のほうが少ないことになる。Explaining the example of the customer A described above with reference to FIG. 3A, in the case of the stock α, the number of contracted shares for sale is 3000, and the customer A can be settled on the business day following the contracted day. The number of shares is 2000 (“Custody Transfer Agency”) + 0 (“Custody Transfer Organization depositing”) = 2000, so the number of shares that can be settled on the business day following the contracted date is better than the number of contracted shares sold. It will be few.
【００２７】上述の判断の結果、売約定株式の翌営業日
決済が不可である場合、貸株処理部１５は、当該販売会
社の自己保有株券を当該顧客に調達・融通する処理をす
る（図２におけるステップＳ１６）。自己残高記憶部１
６は、予め、銘柄毎に、当該販売会社の所有する株券の
所在と、各所在にある株数を示す自己残高情報を記憶し
ている。この自己残高情報は、決済処理システム１、取
引システム２、保管振替機構システム３又は他のシステ
ム（図示略）等から取得され、販売会社の所有する株数
や当該株券の所在が変更した時に更新され、自己残高記
憶部１６には常に最新の情報が格納されているものとす
る。自己残高記憶部１６内の自己残高情報の一例を図３
の（Ａ）に示す。この例では、販売会社の所有するα銘
柄の株券が、販売会社の営業店（支店等）に０株保管
（「支店保管」）、販売会社の本部（本店等）に０株保
管（「集中保管」）、保管振替機構に５０００株が預託
済（「保管振替機構」）であることを示している。As a result of the above-mentioned judgment, when the next business day settlement of the contracted stock is impossible, the stock lending processing unit 15 carries out the processing of procuring and accommodating the customer's own stock certificate to the customer (Fig. 2 in step S16). Own balance storage unit 1
Reference numeral 6 stores in advance, for each issue, the location of the stock certificate owned by the sales company and self-balance information indicating the number of shares in each location. This self-balance information is acquired from the payment processing system 1, the transaction system 2, the storage and transfer mechanism system 3 or another system (not shown), and is updated when the number of shares owned by the sales company or the whereabouts of the stock certificate changes. The latest information is always stored in the self-balance storage unit 16. An example of the self-balance information in the self-balance storage unit 16 is shown in FIG.
(A) of. In this example, 0 shares of α-brand shares owned by the sales company are stored in the sales company's sales office (branch, etc.) (“branch storage”) and 0 shares are stored in the sales company's headquarters (main store, etc.) Storage ”), and 5,000 shares have been deposited with the storage transfer mechanism (“ storage transfer mechanism ”).
【００２８】販売会社の自己保有株券を当該顧客に調達
・融通する処理のために、貸株処理部１５は、まず、翌
営業日の決済処理に不足する株数を認識する。具体的に
は、例えば、
不足株数＝売約定株数-（保管振替機構に預託済みの株
数+保管振替機構に預託処理中の株数）
により翌営業日の決済処理に不足する株数が取得でき
る。貸株処理部１５は、この不足株数を、販売会社の自
己保有株式のうち、既に保管振替機構に預託済みの株券
及び保管振替機構に預託処理中の株券を調達・融通する
ことで補う処理をする。In order to procure / accommodate the customer's own stock certificates to the customer, the stock lending processing section 15 first recognizes the number of stocks that are insufficient for the settlement processing on the next business day. Specifically, for example, the number of shares short of contract = the number of shares outstanding under contract- (the number of shares deposited with the custodian transfer mechanism + the number of shares under deposit processing with the custodian transfer mechanism) makes it possible to obtain the number of shares deficient in settlement processing on the next business day. The stock lending processing unit 15 compensates for this insufficient number of stocks by procuring and accommodating, among the treasury stocks of the sales company, the stock certificates already deposited with the custody transfer mechanism and the stock certificates under custody with the custody transfer mechanism. To do.
【００２９】上述した顧客Ａを例にして説明すると、顧
客Ａの売約定株数が３０００株であるのに対し、顧客Ａ
の保有する翌営業日決済可能な株数は、０株（「保管振
替機構預託中」）+２０００株（「保管振替機構」）＝
２０００株となり、不足株数は１０００株となる。貸株
処理部１５は、この不足株数１０００株を、販売会社の
自己保有株式のうち預託済及び預託処理中の株券から調
達・融通する処理をする。次に、貸株処理部１５は、自
己残高記憶部１６内に格納されている銘柄αの自己残高
情報の「保管振替機構」の株数５０００株を、貸与する
１０００株を差し引いた株数４０００株に更新し、さら
に、顧客残高記憶部１２内に格納されている顧客Ａの銘
柄αの顧客残高情報の「保管振替機構」の株数２０００
株を、貸与された１０００株を加えた株数３０００株に
更新する。さらに、貸株処理部１５は、貸借契約記憶部
１７に、自己保有株から顧客Ａへ、保管振替機構に既に
預託済みであった銘柄αの株券を１０００株調達・融通
した旨を示す貸借契約情報を記録する。Explaining the above-mentioned customer A as an example, the number of contracted shares of the customer A is 3000, whereas the customer A
The number of shares that can be settled on the next business day will be 0 shares (“Custody Transfer Mechanism”) + 2000 shares (“Custody Transfer Mechanism”) =
There will be 2000 shares, and the number of deficient shares will be 1000. The stock lending processing unit 15 performs processing for procuring and accommodating the insufficient number of 1,000 shares from the stock certificates that have been deposited and are undergoing deposit processing among the own shares of the sales company. Next, the stock lending processing unit 15 changes the 5000 stocks of the “storage transfer mechanism” in the self-balance information of the brand α stored in the self-balance storage unit 16 to 4000 stocks after subtracting 1000 loaned stocks. The number of shares of the “storage transfer mechanism” of the customer α of the stock α of the customer A stored in the customer balance storage unit 12 is updated to 2000.
The number of shares will be renewed to 3000 shares, including 1,000 loaned shares. Further, the stock lending processing unit 15 uses the loan contract storage unit 17 to indicate that it has procured / accommodated 1,000 shares of the stock α of the stock α already deposited with the custody transfer mechanism from the own holding stock to the customer A. Record the information.
【００３０】なお、図７に示すように、販売会社が保管
振替機構に開設している口座は、当該販売会社自己分
と、顧客からの委託分とを含んでいる。例えば、販売会
社が自己保有分を用いて銘柄βの株券を買い、顧客が当
該販売会社を介して顧客委託分を用いて銘柄βの株券を
売った場合でも、保管振替機構から見ると、同じ口座か
ら銘柄βの株券を買い、且つ銘柄βの株券を売るように
見える。従って上述の貸株処理は、当該処理を実施する
販売会社内で閉じるものである。As shown in FIG. 7, the account opened by the sales company at the storage transfer mechanism includes the sales company's own account and the account entrusted by the customer. For example, even if the selling company buys the stock certificate of the brand β using its own holdings and the customer sells the stock certificate of the brand β using the consignment of the customer through the selling company, it is the same from the viewpoint of the storage transfer mechanism. It looks like you buy a stock certificate of stock β from an account and sell a stock certificate of stock β. Therefore, the stock lending process described above is closed within the sales company that executes the process.
【００３１】また、図７とは異なり、販売会社が保管振
替機構に開設している口座と、注文する顧客の委託分を
含む口座とが異なる場合、貸株処理部１５は、保管振替
機構システム３に、当該顧客に調達・融通する株式を、
販売会社の口座から顧客の委託分を含む口座への振替処
理を請求することにより、株式を調達・融通する処理を
実施する。Further, unlike FIG. 7, when the account opened by the sales company in the storage transfer mechanism is different from the account containing the consignment of the ordering customer, the stock lending processing section 15 determines that the storage transfer mechanism system. In 3, the stock procured and accommodated to the customer,
By requesting the transfer processing from the account of the sales company to the account including the customer's consignment, the processing of procuring and accommodating stock will be implemented.
【００３２】上述の貸株処理が終了すると、預託処理部
１８は、支店保管又は集中保管している顧客の株券のう
ち、貸株処理により調達・融通した株式の株数分を保管
振替機構に預託する処理をする（図２におけるステップ
Ｓ１７）。上述の顧客Ａの例で説明すると、顧客Ａに販
売会社の自己保有株から１０００株調達・融通したの
で、預託処理部１８は、顧客Ａの銘柄αの株券のうち、
本部（本店等）に集中保管している１０００株を保管振
替機構に預託する処理を実施する。次に、預託処理部１
８は、顧客残高記憶部１２内の顧客残高情報の「集中保
管」の株数を１０００株から０株とし、さらに、顧客残
高情報の「保管振替機構預託中」の株数を０株から１０
００株とする。図３の（Ｂ）は、ステップＳ１７の処理
が終了した時点の各記憶部内の情報の一例を示してい
る。When the stock lending process described above is completed, the deposit processing unit 18 deposits the number of shares of the stock procured / interchanged by the stock lending process among the customer's stock certificates stored in the branch or centrally stored in the custody transfer mechanism. Processing (step S17 in FIG. 2). Explaining with the example of the customer A described above, since the customer A has procured and exchanged 1000 shares from the self-owned stock of the sales company, the deposit processing unit 18 selects one of the stock certificates of the stock α of the customer A.
The process of depositing 1000 shares that are centrally stored at the headquarters (head office etc.) to the storage transfer mechanism will be implemented. Next, deposit processing unit 1
In the customer balance storage unit 12, the number of shares of "central storage" in the customer balance information in the customer balance storage unit 12 is changed from 1000 shares to 0 shares, and the number of shares of "storage transfer mechanism depositing" in the customer balance information is changed from 0 shares to 10 shares.
00 shares. FIG. 3B shows an example of information in each storage unit at the time when the process of step S17 ends.
【００３３】約定日の翌営業日（Ｔ+１）に、決済処理
システム１の決済部１９は、保管振替機構に預託済みの
株券を利用して振替決済の処理を実施する（図２におけ
るステップＳ１８）。上述した顧客Ａの例で説明する
と、決済部１９は、注文を受けた時に既に預託済みであ
った２０００株と販売会社が調達・融通した１０００株
とを利用して振替決済する。決済処理が正常に終了し、
保管振替機構システム３からの振替済通知を受けると、
決済部１９、保管振替機構システム３又は図示されてい
ない他のシステム等により、顧客残高記憶部１２内の顧
客残高情報の「保管振替機構」の株数が、決済に用いら
れた株数だけ減じるように更新される。上述した顧客Ａ
の例で説明すると、顧客Ａの顧客残高情報の「保管振替
機構」の株数が、３０００株から０株へと更新される。
図３の（Ｃ）は、ステップＳ１８の決済処理の完了した
後の各記憶部内の情報を示している。On the next business day (T + 1) of the contract day, the settlement unit 19 of the settlement processing system 1 executes the transfer settlement processing by using the stock certificates deposited in the storage transfer mechanism (step in FIG. 2). S18). Explaining with the example of the customer A described above, the settlement unit 19 uses the 2000 shares already deposited when the order is received and the 1000 shares procured / accommodated by the sales company to perform the settlement. The payment process ends normally,
When receiving the transfer completion notification from the storage transfer mechanism system 3,
By the settlement unit 19, the storage transfer mechanism system 3 or another system not shown, the number of shares of the “storage transfer mechanism” of the customer balance information in the customer balance storage unit 12 is reduced by the number of shares used for the settlement. Will be updated. Customer A mentioned above
For example, the number of shares of the “storage transfer mechanism” in the customer balance information of the customer A is updated from 3000 shares to 0 shares.
FIG. 3C shows the information in each storage unit after the settlement processing in step S18 is completed.
【００３４】上述のように、当該販売会社の自己保有株
式を当該顧客に調達・融通する処理を実施した場合、約
定日からｎ日後（ｎは１以上の整数）に預託処理が完了
する。預託処理が完了すると、保管振替機構システム３
から預託済通知が送信される。この預託処理が完了した
時点での各記憶部内の情報の例を図３の（Ｄ）に示す。
このように、図３の（Ｃ）では、顧客Ａの顧客残高記憶
部１２内の顧客残高情報の「保管振替機構預託中」が１
０００株であったのに対し、図３の（Ｄ）では、「保管
振替機構預託中」が０株となり、「保管振替機構」が１
０００株となっている。このような顧客残高情報の更新
は、決済処理システム１、保管振替機構システム３又は
図示していない他のシステム等により実施される。As described above, when the processing for procuring and accommodating the treasury stock of the selling company to the customer is carried out, the deposit processing is completed n days after the contract date (n is an integer of 1 or more). When the deposit processing is completed, the storage transfer mechanism system 3
Will send you a deposit confirmation. An example of the information in each storage unit at the time when this deposit processing is completed is shown in FIG.
As described above, in FIG. 3C, the customer balance information in the customer balance storage unit 12 of the customer A has “1 in deposit at depository transfer mechanism”.
In contrast to the 000 shares, in (D) of FIG. 3, there are 0 shares in "Custody Transfer Mechanism Depository" and 1 in "Custody Transfer Mechanism".
It has 000 shares. Such update of the customer balance information is performed by the payment processing system 1, the storage transfer mechanism system 3, or another system not shown.
【００３５】預託済通知を受けると、決済処理システム
１の貸株返還処理部２０は、顧客に調達・融通していた
自己保有株式の返還処理をする。上述した顧客Ａを例と
して具体的に説明すると、顧客Ａの預託済み（「保管振
替機構」）株券のうち当該顧客に調達・融通した株数１
０００株を、販売会社の自己保有株式とする処理を実施
する。次に、貸株返還処理部２０は、顧客残高記憶部１
２内の顧客残高情報の「保管振替機構」を０株とし、さ
らに、自己残高記憶部１６内の自己残高情報の「保管振
替機構」を４０００株から５０００株とする。さらに、
貸株返還処理部２０は、貸借契約記憶部１７内の貸借契
約情報の、当該貸借に関する情報を移動や削除等する。
このような貸株返還処理終了後の各記憶部内の情報の一
例を図３の（Ｅ）に示す。Upon receipt of the deposit completion notice, the stock lending and stock return processing section 20 of the settlement processing system 1 carries out the processing for the return of the self-owned stock that has been procured and accommodated by the customer. Explaining the above-mentioned customer A as an example, the number of the stocks of the stocks deposited by the customer A (“Custody Transfer Mechanism”) that has been procured and exchanged with the customer 1
000 shares will be treated as own shares of the sales company. Next, the stock lending return processing unit 20 uses the customer balance storage unit 1
The "storage transfer mechanism" of the customer balance information in 2 is 0 shares, and the "storage transfer mechanism" of the self balance information in the self balance storage unit 16 is 4000 shares to 5000 shares. further,
The stock lending / returning processing unit 20 moves or deletes information on the loan in the loan contract information in the loan contract storage unit 17.
An example of the information in each storage unit after such stock lending return processing is shown in FIG.
【００３６】次に、図５及び図６を参照し第２の実施形
態を説明する。この実施形態の動作は、上述した第１の
実施形態の動作と一部共通するため、異なる部分を詳細
に説明する。顧客残高記憶部１２は、顧客毎及び銘柄毎
に、株券の所在と、各所在にある株数とを示す顧客残高
情報を記憶している。顧客残高情報の一例を図６の
（Ａ）に示す。この例では、顧客残高情報は、顧客Ａの
α銘柄の株券が、販売会社の営業店（支店等）に１００
０株保管（「支店保管」）、販売会社の本部（本店等）
に３０００株保管（「集中保管」）、保管振替機構に２
０００株が預託済み（「保管振替機構」）、当日買った
銘柄αの約定済（注文約定済）の株式が１０００株
（「当日買約定済」）であることを示している。この当
日買ったα銘柄の約定済の株券の所在は、具体的には、
当該株式を売った販売会社の金庫や当該株式の所有者の
金庫、保管振替機構等である。Next, a second embodiment will be described with reference to FIGS. The operation of this embodiment is partly common to the operation of the above-described first embodiment, and therefore different parts will be described in detail. The customer balance storage unit 12 stores, for each customer and each issue, customer balance information indicating the location of the stock certificate and the number of shares in each location. An example of the customer balance information is shown in FIG. In this example, the customer balance information is such that the stock certificate of the α brand of the customer A is 100 at the sales office (branch etc.) of the sales company.
0 shares storage (“branch storage”), sales company headquarters (head office, etc.)
Storage of 3000 shares (“centralized storage”), storage transfer mechanism 2
It indicates that 000 shares have been deposited (“Cash Transfer Mechanism”), and that the stocks of the brand α that were bought on the day of the contract (the order has been promised) are 1000 shares (“the day of the contract has been promised”). For the whereabouts of the α stocks that have been promised and bought on the day,
A safe of the selling company that sold the stock, a safe of the owner of the stock, a storage transfer mechanism, and the like.
【００３７】ここで、顧客から、売注文を受けたものと
する。注文を受けると、販売会社の社員等は、当該顧客
の売注文を処理するための情報を、図示されていない入
出力装置を用いて入力等する（図５におけるステップＳ
２０）。ここでは、顧客Ａから、α銘柄４０００株の売
注文を受けた場合を例にして説明する。Here, it is assumed that a sales order has been received from the customer. Upon receiving the order, the employee of the sales company or the like inputs information for processing the sales order of the customer using an input / output device (not shown) (step S in FIG. 5).
20). Here, a case where a sales order for 4000 shares of α brand is received from the customer A will be described as an example.
【００３８】決済処理システム１の受注可否判断部１１
は、顧客の注文が実行可能か否か判断し（図５における
ステップＳ２１）、注文不可であればエラーを返すなど
する（図５におけるステップＳ２２）。ここで、上述し
た顧客Ａの場合を例として説明する。顧客Ａの銘柄αに
おける注文可能な株数（残株数）は、１０００株（「支
店保管」）+３０００株（「集中保管」）+２０００株
（「保管振替機構」）+１０００株（「当日買約定
済」）＝７０００株であり、顧客Ａから受けた売注文が
４０００株であるので、受注可否判断部１１は当該注文
が実行可能と判断する。Order acceptability determination unit 11 of payment processing system 1
Determines whether the customer's order can be executed (step S21 in FIG. 5), and returns an error if the order cannot be made (step S22 in FIG. 5). Here, the case of the customer A described above will be described as an example. The number of stocks (remaining stocks) that can be ordered for customer A's stock α is 1000 stocks (“branch storage”) + 3000 stocks (“centralized storage”) + 2000 stocks (“storage transfer mechanism”) + 1000 stocks Since the contract has been completed ”) = 7000 shares and the sales order received from the customer A is 4000 shares, the order acceptance / rejection determination unit 11 determines that the order can be executed.
【００３９】注文が実行可能の場合、発注処理部１３
は、銘柄αの株式の売注文を取引システム２に発注する
（図５におけるステップＳ２３）。取引システム２で
は、当該注文を処理し、注文の出来を、決済処理システ
ム１に通知する。決済処理システム１の発注処理部１３
は、出来通知を受け、約定処理を行なう（図５における
ステップＳ２４）。If the order can be executed, the order processing unit 13
Puts an order to sell the stocks of the brand α to the trading system 2 (step S23 in FIG. 5). The transaction system 2 processes the order and notifies the settlement processing system 1 of the success of the order. Order processing unit 13 of the payment processing system 1
Receives the completion notification and executes contract processing (step S24 in FIG. 5).
【００４０】次に、決済処理システム１の決済可否判断
部１４は、売約定株式の翌営業日決済が可能であるか否
か判断する（図５におけるステップＳ２５）。図６の
（Ａ）を参照し上述の顧客Ａの例で説明すると、銘柄α
において、売約定株数が４０００株であるのに対し、顧
客Ａの約定日の翌営業日に決済可能な保有株数は、２０
００株（「保管振替機構」）+０株（「保管振替機構預
託中」）+１０００株（「当日買約定済」）＝３０００
株であることから、売約定株数より約定日の翌営業日に
決済可能な保有株数のほうが少ないことになる。Next, the settlement approval / disapproval determination unit 14 of the settlement processing system 1 determines whether or not the next business day settlement of the contracted stock is possible (step S25 in FIG. 5). Explaining the example of the customer A described above with reference to FIG.
In contrast, while the number of contracts to be sold is 4000, the number of shares that can be settled on the business day following the contract day of customer A is 20.
00 shares (“Custody Transfer Mechanism”) + 0 shares (“Custody Transfer Mechanism depositing”) + 1000 shares (“Paid on the day”) = 3000
Since the shares are shares, the number of shares that can be settled on the business day following the trade date is smaller than the number of shares to be sold.
【００４１】上述の判断の結果、売約定株式の翌営業日
決済が不可である場合、貸株処理部１５は、当該販売会
社の自己保有株式を当該顧客に調達・融通する処理をす
る（図５におけるステップＳ２６）。自己残高記憶部１
６は、予め、銘柄毎に、株券の所在と、各所在にある株
数を示す自己残高情報を記憶している。自己残高情報の
一例を図６の（Ａ）に示す。販売会社の自己保有株式を
当該顧客に調達・融通する処理として、貸株処理部１５
は、まず、翌営業日の決済処理に不足する株数を認識す
る。具体的には、例えば、
不足株数＝売約定株数-（保管振替機構に預託済みの株
数+保管振替機構に預託処理中の株数+当日買約定済の株
数）
により不足株数が取得される。貸株処理部１５は、この
不足株数を、販売会社の自己保有株式のうち、既に保管
振替機構に預託済みの株券及び保管振替機構に預託処理
中の株券を調達・融通することで補う処理をする。As a result of the above judgment, when the next business day settlement of the promised stock is impossible, the stock lending processing section 15 carries out processing for procuring and accommodating the self-owned stock of the selling company to the customer (FIG. Step S26 in 5). Own balance storage unit 1
Reference numeral 6 stores in advance, for each issue, the location of the stock certificate and the self-balance information indicating the number of shares in each location. An example of self-balance information is shown in FIG. As a process of procuring and accommodating the self-owned shares of the selling company to the customer, the stock lending processing unit 15
First recognizes the number of shares that will be insufficient for settlement processing on the next business day. Specifically, for example, the number of deficient shares is equal to the number of contracted shares- (the number of shares deposited with the Custody Transfer Mechanism + the number of shares being deposited with the Custody Transfer Mechanism + the number of shares that have been promised on the day). The stock lending processing unit 15 compensates for this insufficient number of stocks by procuring and accommodating, among the treasury stocks of the sales company, the stock certificates already deposited with the custody transfer mechanism and the stock certificates under custody with the custody transfer mechanism. To do.
【００４２】上述した顧客Ａを例にして説明すると、顧
客Ａの売約定株数が４０００株であるのに対し、顧客Ａ
の保有する翌営業日決済可能な株数は、０株（「保管振
替機構預託中」）+２０００株（「保管振替機構」）+１
０００株（「当日買約定済」）であることから３０００
株となり、不足株数は１０００株となる。貸株処理部１
５は、この不足株数１０００株を、販売会社の自己保有
株式のうち預託済及び預託処理中の株券から調達・融通
する処理をする。次に、貸株処理部１５は、自己残高記
憶部１６内に格納されている銘柄αの自己残高情報の
「保管振替機構」の株数を、５０００株から貸株数１０
００株を差し引いた株数４０００株に更新し、さらに、
顧客残高記憶部１２内に格納されている顧客Ａの銘柄α
の顧客残高情報の「保管振替機構」の株数を、２０００
株に貸株数１０００株を加えた株数３０００株に更新す
る。さらに、貸株処理部１５は、貸借契約記憶部１７
に、自己保有株式から顧客Ａへ、保管振替機構に既に預
託済みであった銘柄αの株券を１０００株調達・融通し
た旨を示す貸借契約情報を記録する。Explaining the above-mentioned customer A as an example, the number of contracted shares of the customer A is 4000, whereas the customer A is
The number of shares that can be settled on the next business day will be 0 shares (“Custody Transfer Mechanism under deposit”) + 2000 shares (“Custody Transfer Mechanism”) + 1
3000 because it is 000 shares (“the contract has already been purchased on the day”)
It becomes a stock, and the number of deficient stock becomes 1,000. Stock lending processing department 1
5 performs a process of procuring and accommodating the 1,000-deficient shares from the stock certificates that have been deposited and are undergoing deposit processing, among the shares owned by the sales company. Next, the stock lending processing unit 15 changes the number of shares of the “storage transfer mechanism” of the own balance information of the brand α stored in the own balance storage unit 16 from 5000 shares to the number of lending shares of 10
The number of shares was reduced to 4,000, minus 00, and
The stock α of the customer A stored in the customer balance storage unit 12
Number of shares of "Custody Transfer Mechanism" of customer balance information of 2000
The number of shares will be renewed to 3000 shares by adding 1,000 shares to the shares. Further, the stock lending processing unit 15 includes a loan contract storage unit 17
The loan agreement information indicating that 1000 shares of the stock α of the stock α already deposited in the custody transfer mechanism is procured from the own holding stock to the customer A is recorded.
【００４３】上述の貸株処理が終了すると、預託処理部
１８は、支店保管又は集中保管している顧客の株券のう
ち、貸株処理により調達・融通した株式の株数分を預託
する処理する（図５におけるステップＳ２７）。上述の
顧客Ａの例で説明すると、上述と同様に、預託処理部１
８は、顧客Ａの銘柄αの株券のうち、本部（本店等）に
集中保管している１０００株を預託する処理を実施す
る。次に、預託処理部１８は、顧客残高記憶部１２内の
顧客残高情報を更新する。図６の（Ｂ）は、ステップＳ
２７の処理が終了した時の各記憶部内の情報を示してい
る。When the stock lending process is completed, the deposit processing unit 18 deposits the number of shares of the stock procured / interchanged by the stock lending process among the customer's stock certificates stored in the branch or centrally stored ( Step S27 in FIG. 5). Explaining the example of the customer A described above, as in the case described above, the deposit processing unit 1
8 carries out a process of depositing 1000 shares of the stock α of the brand α of the customer A, which are centrally stored at the head office (head office etc.). Next, the deposit processing unit 18 updates the customer balance information in the customer balance storage unit 12. FIG. 6B shows step S
The information in each storage unit when the process of 27 is finished is shown.
【００４４】約定日の翌営業日（Ｔ+１）に、決済処理
システム１の決済部１９は、保管振替機構に預託済みの
株券を利用して振替決済の処理を実施する（図５におけ
るステップＳ２８）。上述した顧客Ａの例で説明する
と、決済部１９は、注文を受けた時に既に預託済みであ
った２０００株と販売会社から貸与された１０００株と
当日買約定済であった１０００株とを利用して振替決済
する。決済処理が正常に終了し、保管振替機構システム
３からの振替済通知を受けると、決済部１９又は保管振
替機構システム３又は図示されていない他のシステム等
により、上述と同様に、顧客残高記憶部１２内の顧客残
高情報の「保管振替機構」の株数が、決済に用いられた
株数だけ減じるように更新される。図６の（Ｃ）は、ス
テップＳ２８の決済処理の完了した後の各記憶部内の情
報を示している。On the next business day (T + 1) of the contract day, the settlement section 19 of the settlement processing system 1 executes the transfer settlement processing by using the stock certificates deposited in the storage transfer mechanism (step in FIG. 5). S28). Explaining with the example of the customer A described above, the settlement unit 19 uses 2000 shares already deposited when the order is received, 1000 shares loaned from the sales company, and 1000 shares that have been promised on the day. And transfer payment. When the settlement process is completed normally and the transfer completion notice is received from the storage transfer mechanism system 3, the settlement unit 19, the storage transfer mechanism system 3, or another system not shown, etc. stores the customer balance in the same manner as described above. The number of shares of the "storage transfer mechanism" in the customer balance information in the section 12 is updated so as to be reduced by the number of shares used for settlement. FIG. 6C shows the information in each storage unit after the settlement processing in step S28 is completed.
【００４５】上述のように、当該販売会社の自己保有株
式を当該顧客に調達・融通する処理を実施した場合、約
定日からｎ日後（ｎは１以上の整数）に預託処理が完了
する。預託処理が完了すると、保管振替機構システム３
から預託済通知が送信される。預託が完了すると、決済
処理システム１、保管振替機構システム３又は図示して
いない他のシステム等により顧客残高情報の更新が実施
される。預託処理が完了した時点での各記憶部内の情報
の例を図６の（Ｄ）に示す。As described above, when the processing of procuring and accommodating the treasury stock of the selling company to the customer is carried out, the deposit processing is completed n days after the contract date (n is an integer of 1 or more). When the deposit processing is completed, the storage transfer mechanism system 3
Will send you a deposit confirmation. When the deposit is completed, the customer balance information is updated by the payment processing system 1, the storage transfer mechanism system 3 or another system not shown. An example of information in each storage unit at the time when the deposit processing is completed is shown in FIG.
【００４６】預託済通知を受けると、決済処理システム
１の貸株返還処理部２０は、上述と同様に、顧客に調達
・融通していた自己保有株式の返還処理をする。返還処
理が実施されると、貸株返還処理部２０等により、各記
憶部内の情報が更新される。貸株返還処理終了後の各記
憶部内の情報の一例を図６の（Ｅ）に示す。Upon receipt of the deposit completion notice, the stock lending and stock return processing section 20 of the settlement processing system 1 carries out the processing for returning the treasury stock that has been procured / interchanged with the customer, as described above. When the return process is performed, the stock lending return processing unit 20 and the like update the information in each storage unit. An example of the information in each storage unit after the stock lending return processing is completed is shown in FIG.
【００４７】なお、上述した実施形態では、株券を売る
動作を例として説明したが、これに限られるわけではな
く、債券などの有価証券にも適応可能である。In the above-described embodiment, the operation of selling a stock certificate has been described as an example, but the present invention is not limited to this, and it can be applied to securities such as bonds.
【００４８】また、上述した実施形態では、売注文を顧
客から受けると、当該売注文を実施するための情報を販
売会社の社員が入力等するものとしたが、これに限られ
るわけではなく、例えば、顧客の端末等から送信された
データを用いるなどしてもよい。Further, in the above-mentioned embodiment, when the sales order is received from the customer, the employee of the sales company inputs the information for executing the sales order, but the present invention is not limited to this. For example, data transmitted from the customer's terminal or the like may be used.
【００４９】また、上述した実施形態では、保管振替機
構に預託済の販売会社の有価証券を調達・融通するもの
としたが、保管振替機構に預託処理中の有価証券を調達
・融通してもよい。Further, in the above-mentioned embodiment, the securities of the sales company that has been entrusted to the custody transfer mechanism are procured and exchanged, but even if the securities that are being deposited are procured and exchanged to the custody transfer mechanism. Good.
【００５０】なお、図１に示す各記憶部は、ハードディ
スク装置や光磁気ディスク装置、フラッシュメモリ等の
不揮発性のメモリや、ＣＤ−ＲＯＭ等の読み出しのみが
可能な記憶媒体、ＲＡＭ（Random Access Memory）のよ
うな揮発性のメモリ、あるいはこれらの組み合わせによ
り構成されるもとのする。なお、図１に示す各部は専用
のハードウェアにより実現されるものであってもよく、
また、この各部はメモリおよびＣＰＵ（中央演算装置）
により構成され、各部の機能を実現するためのプログラ
ムをメモリにロードして実行することによりその機能を
実現させるものであってもよい。Each storage unit shown in FIG. 1 is a nonvolatile memory such as a hard disk device, a magneto-optical disk device, a flash memory, a read-only storage medium such as a CD-ROM, or a RAM (Random Access Memory). ) Such as volatile memory, or a combination of these. Note that each unit shown in FIG. 1 may be realized by dedicated hardware,
In addition, each part is a memory and a CPU (central processing unit).
It is also possible to realize the function by loading a program for realizing the function of each unit into the memory and executing the program.
【００５１】また、図１における各部の機能を実現する
ためのプログラムをコンピュータ読み取り可能な記録媒
体に記録して、この記録媒体に記録されたプログラムを
コンピュータシステムに読み込ませ、実行することによ
り実現させてもよい。なお、ここでいう「コンピュータ
システム」とは、ＯＳや周辺機器等のハードウェアを含
むものとする。また、「コンピュータシステム」は、Ｗ
ＷＷシステムを利用している場合であれば、ホームペー
ジ提供環境（あるいは表示環境）も含むものとする。Further, a program for realizing the function of each unit in FIG. 1 is recorded in a computer-readable recording medium, and the program recorded in this recording medium is read by a computer system and executed. May be. The “computer system” mentioned here includes an OS and hardware such as peripheral devices. Also, "computer system" is W
If the WW system is used, the homepage providing environment (or display environment) is also included.
【００５２】また、「コンピュータ読み取り可能な記録
媒体」とは、フレキシブルディスク、光磁気ディスク、
ＲＯＭ、ＣＤ−ＲＯＭ等の可搬媒体、コンピュータシス
テムに内蔵されるハードディスク等の記憶装置のことを
いう。さらに「コンピュータ読み取り可能な記録媒体」
とは、インターネット等のネットワークや電話回線等の
通信回線を介してプログラムを送信する場合の通信線の
ように、短時間の間、動的にプログラムを保持するも
の、その場合のサーバやクライアントとなるコンピュー
タシステム内部の揮発性メモリのように、一定時間プロ
グラムを保持しているものも含むものとする。また上記
プログラムは、前述した機能の一部を実現するためのも
のであってもよく、さらに前述した機能をコンピュータ
システムにすでに記録されているプログラムとの組み合
わせで実現できるものであってもよい。以上、この発明
の実施形態を図面を参照して詳述してきたが、具体的な
構成はこの実施形態に限られるものではなく、この発明
の要旨を逸脱しない範囲の設計変更等も含まれる。The "computer-readable recording medium" means a flexible disk, a magneto-optical disk,
A portable medium such as a ROM or a CD-ROM, or a storage device such as a hard disk built in a computer system. Furthermore, "computer-readable recording medium"
Means a program that dynamically holds a program for a short period of time, such as a communication line for transmitting a program through a network such as the Internet or a communication line such as a telephone line, and a server or client in that case. Such a volatile memory inside a computer system that holds a program for a certain period of time is also included. Further, the program may be for realizing a part of the functions described above, or may be a program for realizing the functions described above in combination with a program already recorded in the computer system. The embodiment of the present invention has been described in detail above with reference to the drawings. However, the specific configuration is not limited to this embodiment, and includes design changes and the like without departing from the scope of the present invention.
【００５３】[0053]
【発明の効果】以上説明したように、本発明による決済
処理システム及び方法によれば、有価証券が保管振替機
構などに預託されていない場合でも、決済できる有価証
券を調達・融通することができる。これにより、当該有
価証券の所在にかかわらず、決済処理を実施することが
できる。その効果として、有価証券を売る顧客の利便性
を向上させ、さらに、有価証券の流動性、換金性を向上
させることができる。As described above, according to the settlement processing system and method of the present invention, securities that can be settled can be procured and exchanged even if the securities are not deposited in the custody transfer mechanism. . As a result, the settlement process can be executed regardless of the whereabouts of the securities. As an effect, it is possible to improve the convenience of customers who sell securities, and further to improve the liquidity and the convertibility of securities.
【図１】 本発明の実施形態において、システム構成を
示す図である。FIG. 1 is a diagram showing a system configuration in an embodiment of the present invention.
【図２】 本発明の第１の実施形態の動作を説明するフ
ローチャートである。FIG. 2 is a flowchart illustrating an operation of the first exemplary embodiment of the present invention.
【図３】 本発明の第１の実施形態の動作を説明する説
明図である。FIG. 3 is an explanatory diagram illustrating an operation of the first exemplary embodiment of the present invention.
【図４】 第１の実施形態及び第２の実施形態におい
て、有価証券の所在を説明するための図である。FIG. 4 is a diagram for explaining whereabouts of securities in the first embodiment and the second embodiment.
【図５】 本発明の第２の実施形態の動作を説明するフ
ローチャートである。FIG. 5 is a flowchart illustrating an operation of the second exemplary embodiment of the present invention.
【図６】 本発明の第２の実施形態の動作を説明する説
明図である。FIG. 6 is an explanatory diagram illustrating an operation of the second exemplary embodiment of the present invention.
【図７】 従来の決済と、第１の実施形態及び第２の実
施形態の決済処理システムとの説明のための図である。FIG. 7 is a diagram for explaining a conventional payment and a payment processing system according to the first and second embodiments.
１：決済処理システム、２：取引システム、３：保管振
替機構システム、４：通信ネットワーク、１０：通信イ
ンターフェース、１１：受注可否判断部、１２：顧客残
高記憶部、１３：発注処理部、１４：決済可否判断部、
１５：貸株処理部、１６：自己残高記録部、１７：貸借
契約記憶部、１８：預託処理部、１９：決済部、２０：
貸株返還処理部1: Payment processing system, 2: Transaction system, 3: Storage transfer mechanism system, 4: Communication network, 10: Communication interface, 11: Order acceptance / rejection determination section, 12: Customer balance storage section, 13: Order processing section, 14: Payment approval / disapproval determination section,
15: Stock lending processing unit, 16: Own balance recording unit, 17: Loan contract storage unit, 18: Deposit processing unit, 19: Settlement unit, 20:
Stock lending and refund processing department
───────────────────────────────────────────────────── フロントページの続き (72)発明者 古藤 公也 東京都千代田区大手町２丁目６番４号 大 和証券株式会社内 ─────────────────────────────────────────────────── ─── Continued front page (72) Inventor Kimiya Koto 2-6-4 Otemachi, Chiyoda-ku, Tokyo Within Wa Securities Co., Ltd.
Claims (8)
る決済処理システムであって、 前記顧客の有価証券の所在と、前記所在における前記有
価証券の数量情報とを含む顧客残高情報を記憶する記憶
部と、 前記顧客残高情報に基づいて、現在の前記顧客の有価証
券の所在において、前記顧客からの注文の決済が可能か
否か判断する決済可否判断部と、 前記判断の結果、決済不可であると判断された場合、前
記決済に不足する有価証券を調達・融通する処理を実施
する処理部と、 前記注文の決済処理を実施する決済部と、 を備えることを特徴とする決済処理システム。1. A settlement processing system for processing an order to sell securities from a customer, which stores customer balance information including the whereabouts of the securities of the customer and quantity information of the securities at the whereabouts. A storage unit, a settlement approval / disapproval determination unit for determining whether or not settlement of an order from the customer is possible based on the customer balance information, based on the customer balance information, and as a result of the determination, settlement is not possible. When it is determined that the payment processing system is equipped with a securities processing unit, the processing unit performs a process of procuring and accommodating securities that are insufficient for the payment, and a payment unit performing a payment process of the order. .
所在が、前記有価証券を集中保管する機構への預託処理
完了であることを示す預託済である場合と、前記機構へ
預託処理中であることを示す預託中である場合と、を決
済可能であると判断することを特徴とする請求項１に記
載の決済処理システム。2. The settlement approval / disapproval determination unit determines that the location of the securities is a deposit indicating that the deposit processing to the mechanism for centrally storing the securities is completed, and whether the deposit is being processed to the mechanism. The settlement processing system according to claim 1, wherein it is determined that settlement is possible when depositing, which indicates that.
処理をする返還処理部をさらに備えることを特徴とする
請求項１又は２に記載の決済処理システム。3. The settlement processing system according to claim 1, further comprising a return processing unit that performs processing for returning the securities that have been procured / accommodated.
及び前記預託中以外の所在の有価証券を前記機構に預託
処理する預託処理部と、 前記機構に預託した有価証券を返還する処理をする返還
処理部と、 をさらに備えることを特徴とする請求項１又は２に記載
の決済処理システム。4. A deposit processing unit that deposits securities of the customer other than the deposited deposits and the deposits that are not in deposit, to the institution, and a process of returning securities deposited in the institution. The return processing unit, which further comprises: a payment processing system according to claim 1 or 2, further comprising:
売り注文を受けたとき、既に買い注文約定済の有価証券
を決済可能であると判断することを特徴とする請求項１
から４のいずれかに記載の決済処理システム。5. The settlement approval / disapproval determination unit, when receiving a sell order from the customer, determines that it is possible to settle securities that have already been contracted for a buy order.
The payment processing system according to any one of 1 to 4.
文の決済日に実施することを特徴とする請求項１から５
のいずれかに記載の決済処理システム。6. The settlement unit executes the settlement process on the settlement date of the order.
The payment processing system according to any one of 1.
客の代理としてコンピュータにより処理する決済処理方
法であって、 前記顧客の有価証券の所在と、前記所在における前記有
価証券の数量情報とを含む顧客残高情報を前記コンピュ
ータが記憶する工程と、 前記顧客残高情報に基づき、現在の前記顧客の有価証券
の所在において、前記顧客からの注文の決済が可能か否
か前記コンピュータが判断する工程と、 前記判断の結果、決済不可であると判断された場合、前
記決済に不足する有価証券を調達・融通する処理を前記
コンピュータが実施する工程と、 前記注文の決済処理を前記コンピュータが実施する工程
とを有する決済処理方法。7. A settlement processing method for processing an order to sell securities from a customer by a computer on behalf of the customer, comprising: the location of the securities of the customer and the quantity information of the securities at the location. A step of storing the customer balance information including the step of storing the customer balance information; and a step of the computer determining whether or not settlement of an order from the customer is possible based on the customer balance information at the current location of the securities of the customer. If the result of the determination is that payment is not possible, the computer executes a process of procuring and accommodating securities that are insufficient for the payment, and a process of executing the payment process of the order. And a payment processing method having.
処理を前記コンピュータが実施する工程をさらに備える
ことを特徴とする請求項７に記載の決済処理方法。8. The settlement processing method according to claim 7, further comprising a step of causing the computer to perform a process of returning the securities that have been procured and exchanged.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2001388459A JP2003187071A (en) | 2001-12-20 | 2001-12-20 | Settlement processing system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2001388459A JP2003187071A (en) | 2001-12-20 | 2001-12-20 | Settlement processing system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JP2003187071A true JP2003187071A (en) | 2003-07-04 |
Family
ID=27596974
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2001388459A Pending JP2003187071A (en) | 2001-12-20 | 2001-12-20 | Settlement processing system and method |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP2003187071A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7843318B2 (en) | 2005-07-19 | 2010-11-30 | Honda Motor Co., Ltd. | Monitoring apparatus for electronic key and displaying apparatus for positional information on electronic key |
-
2001
- 2001-12-20 JP JP2001388459A patent/JP2003187071A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7843318B2 (en) | 2005-07-19 | 2010-11-30 | Honda Motor Co., Ltd. | Monitoring apparatus for electronic key and displaying apparatus for positional information on electronic key |
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