CN112862485A

CN112862485A - Dynamic currency conversion method, device, equipment and medium for drawing money by external card

Info

Publication number: CN112862485A
Application number: CN202110080646.5A
Authority: CN
Inventors: 吕绍洲; 郭敏鸿; 蔡跃进; 袁国能; 刘书斋; 万兵; 徐小琳; 郑凯婷
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-01-21
Filing date: 2021-01-21
Publication date: 2021-05-28

Abstract

The application provides a dynamic currency conversion method, a device, equipment and a medium for drawing money by an external card, wherein the method comprises the following steps: sending the withdrawal amount of the local currency and the currency of the foreign card to a first server so that the first server sends an exchange rate query request to a second server and the second server returns the exchange rate after the code is added to the automatic teller machine; displaying the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency; after determining that the foreign card cardholder selects a DCC mode to withdraw money, sending the exchange rate, the local currency withdrawal amount and the foreign currency posting amount to the first server, so that the first server forwards the exchange rate, the local currency withdrawal amount and the foreign currency to a third server; and after the third server is confirmed to finish the account entry, the money is discharged to the holder of the external card.

Description

Dynamic currency conversion method, device, equipment and medium for drawing money by external card

Technical Field

The application relates to the technical field of cash withdrawal of external cards, in particular to a dynamic currency conversion method, a device, equipment and a medium for withdrawing money from an external card.

Background

DYNAMIC CURRENCY CONVERSION (DCC), initiated in the caribbean area in the 70's of the 20 th century, when merchants converted local CURRENCY into dollar accounts, often required foreign card cardholders to pay very high CURRENCY CONVERSION fees in the process.

In the middle and late 90 s of the 20 th century, multi-currency processing mechanisms began to emerge in multinational car rental companies, multinational chain hotels and retailers in europe. These merchants want to accept single currency settlement and manage centrally multiple currency transaction processes. Thus, there is a compelling need to deploy currency conversion platforms around the world, and merchants must also avoid foreign exchange risks.

Since the foreign cardholder needs to know in real time the currency conversion exchange rate that applies when the foreign cardholder consumes his home currency, and the acquiring bank is dissatisfied with the international card organization because of lost revenue in this section, international card organizations such as Visa and MasterCard have further regulated that they begin to allow the acquirer to submit transactions in units of the foreign cardholder's account home currency to the issuer.

Although there is a small discount on the charge rate for the dynamic currency conversion fee offered by some banks, the bank still receives an objective profit. The spread at most foreign exchange conversions is based on the exchange rate of the daily real-time Visa and MasterCard cross-bank clearing system. The foreign cardholder is often better able to obtain good or slightly better foreign exchange prices from the DCC than current methods. They must get a better tip for the conversion fee.

In the prior art, a cardholder pays a withdrawal and exchange commission, an acquirer collects the payment commission, an issuer collects the exchange commission, and a card organization collects the withdrawal commission and the exchange commission, however, the card organization needs to exchange money on a clearing day, and the cardholder often cannot know the real withdrawal amount, withdrawal commission and exchange commission in real time.

Disclosure of Invention

The present application provides a method, an apparatus, a device and a medium for dynamic currency conversion for external card withdrawal, which are directed to overcome the disadvantages of the conventional approaches, and are used to solve at least one of the above technical problems.

In a first aspect, an embodiment of the present application provides a dynamic currency conversion method for external card withdrawal, which is applied to an automatic teller machine, and includes:

in response to a first operation by the external card holder, presenting a money amount input interface upon determining that the external card holder has placed the automatic teller machine into a foreign currency financial card;

in response to the amount input operation of the external card holder on an amount input interface, determining the withdrawal amount of the local currency to be taken out by the external card holder;

sending the withdrawal amount of the local currency and the currency of the foreign card to a first server so that the first server sends an exchange rate query request to a second server and the second server returns the exchange rate after the code is added to the automatic teller machine;

displaying the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency;

after determining that the foreign card cardholder selects a DCC mode to withdraw money, sending the exchange rate, the local currency withdrawal amount and the foreign currency posting amount to the first server, so that the first server forwards the exchange rate, the local currency withdrawal amount and the foreign currency to a third server;

and after the third server is confirmed to finish the account entry, the money is discharged to the holder of the external card.

In one embodiment of the application, the sending the local currency withdrawal amount and the foreign card currency to a first server includes: and based on the ATMC, sending the withdrawal amount of the local currency and the currency of the foreign card to a first server through the ATMP.

In one embodiment of the present application, sending the exchange rate, the local currency withdrawal amount, and the foreign currency posting amount to the first server includes: and based on the ATMC, sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to a first server through the ATMP.

In one embodiment of the application, the outputting the money to the external card cardholder after determining that the third server completes the posting comprises: and after receiving the account entry completion notification sent by the third server, determining that the account entry is completed by the third server, and outputting the bank note to the external card holder.

In one embodiment of the present application, before the determining that the third server completes posting, the method further comprises: displaying a verification code input interface, and responding to the verification code input operation of the external card holder to acquire the verification code; sending the verification code to the first server to cause the first server to forward the verification code to the third server.

In one embodiment of the present application, before the determining that the third server completes posting, the method further comprises: and acquiring at least one item of biological information of the external cardholder, and sending the at least one item of biological information to the first server so that the first server forwards the at least one item of biological information to the third server.

In one embodiment of the present application, after determining that the external card holder does not select the DCC mode for withdrawal, the withdrawal process is terminated or a default withdrawal process is performed.

In a second aspect, an embodiment of the present application provides a dynamic currency conversion method for external card withdrawal, which is applied to a first server, where the first server is used to implement external card receipt, and includes:

after receiving the withdrawal amount of the local currency and the currency type of the foreign card sent by the automatic teller machine, sending an exchange rate query request aiming at the local currency and the foreign currency to a second server, so that the second server returns the exchange rate after the code is added to the automatic teller machine;

receiving the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency which are sent by the automatic teller machine;

and sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to a third server so that the third server completes posting.

In one embodiment of the application, before sending the exchange rate, the local currency withdrawal amount, and the posting amount of the foreign currency to a third server, the method further comprises: receiving a verification code sent by the automatic teller machine; and sending the verification code to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the verification code.

In one embodiment of the application, before sending the exchange rate, the local currency withdrawal amount, and the posting amount of the foreign currency to a third server, the method further comprises: receiving at least one item of biological information of the cardholder of the external card sent by the automatic teller machine; and sending the at least one item of biological information to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the at least one item of biological information.

In a third aspect, an embodiment of the present application provides a dynamic currency conversion method for external card withdrawal, which is applied to a second server, where the second server is configured to implement a real-time exchange rate query, and the method includes:

receiving an exchange rate query request sent by a first server and aiming at local currency and foreign currency; wherein the exchange rate query request is issued by the first server after receiving the local currency withdrawal amount and the foreign card currency sent back by the automatic teller machine;

inquiring the exchange rate of the local currency and the foreign currency after adding codes according to the exchange rate inquiry request;

and sending the coded exchange rate to the automatic teller machine.

In a fourth aspect, an embodiment of the present application provides a dynamic currency conversion method for external card withdrawal, which applies a third server, where the third server belongs to the international card organization, and includes:

receiving an exchange rate, a local currency withdrawal amount and a foreign currency posting amount sent by a first server, wherein the exchange rate, the local currency withdrawal amount and the foreign currency are sent to the first server by an automatic teller machine;

and finishing the account entry according to the exchange rate, the withdrawal amount of the local currency and the foreign currency, so that the automatic teller machine can send out the cash to the holder of the foreign card after determining that the account entry is finished by the third server.

In one embodiment of the present application, after the completion of posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency, the method further comprises: and sending a notice of completion of the account entry to the automatic teller machine so that the automatic teller machine can send out the bank note to the holder of the external card after receiving the notice of completion of the account entry.

In an embodiment of the present application, the completing posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency includes: receiving a verification code sent by the first server, and verifying the withdrawal authority of the external cardholder based on the verification code; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

In an embodiment of the present application, the completing posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency includes: receiving at least one item of biological information of the external cardholder sent by the first server, and verifying the withdrawal authority of the external cardholder based on the at least one item of biological information; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

In a fifth aspect, an embodiment of the present application provides an automatic teller machine, including an information input module, a rate display module, a transaction information sending module, and a cash dispensing module;

the information input module is used for responding to a first operation of a foreign card holder and displaying a money input interface under the condition that the foreign card holder is determined to place the automatic teller machine into a foreign currency financial card; in response to the amount input operation of the external card holder on an amount input interface, determining the withdrawal amount of the local currency to be taken out by the external card holder;

the exchange rate display module is used for sending the withdrawal amount of the local currency and the currency of the foreign card to a first server so that the first server sends an exchange rate query request to a second server and the second server returns the exchange rate after the code is added to the automatic teller machine; displaying the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency;

the transaction information sending module is used for sending the exchange rate, the withdrawal amount of the local currency and the accounting amount of the foreign currency to the first server after determining that the foreign card holder selects a DCC mode for withdrawal, so that the first server forwards the exchange rate, the withdrawal amount of the local currency and the foreign currency to a third server;

and the cash-out module is used for outputting cash to the external card holder after the third server finishes account entry.

In an embodiment of the present application, the exchange rate display module is specifically configured to: and based on the ATMC, sending the withdrawal amount of the local currency and the currency of the foreign card to a first server through the ATMP.

In one embodiment of the present application, the transaction information sending module is specifically configured to: and based on the ATMC, sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to a first server through the ATMP.

In an embodiment of the present application, the banknote dispensing module is specifically configured to: and after receiving the account entry completion notification sent by the third server, determining that the account entry is completed by the third server, and outputting the bank note to the external card holder.

In an embodiment of the present application, the system further includes a termination module, where the termination module is configured to terminate a withdrawal flow or execute a default withdrawal flow after determining that the external card holder does not select the DCC mode for withdrawal.

In a sixth aspect, an embodiment of the present application provides a first server, where the first server is used to implement external card receipt, and the first server includes a request sending module and a transaction information forwarding module;

the request sending module is used for sending an exchange rate query request aiming at local currency and foreign currency to a second server after receiving the withdrawal amount of the local currency and the currency of a foreign card sent by an automatic teller machine, so that the second server returns the exchange rate after adding codes to the automatic teller machine;

the transaction information forwarding module is used for receiving the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency which are sent by the automatic teller machine; and sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to a third server so that the third server completes posting.

In a seventh aspect, an embodiment of the present application provides a second server, where the second server is configured to implement real-time exchange rate query, and the second server includes an exchange rate query module and an exchange rate sending module;

the exchange rate query module is used for receiving an exchange rate query request which is sent by the first server and aims at the local currency and the foreign currency; wherein the exchange rate query request is issued by the first server after receiving the local currency withdrawal amount and the foreign card currency sent back by the automatic teller machine; inquiring the exchange rate of the local currency and the foreign currency after adding codes according to the exchange rate inquiry request;

and the exchange rate sending module is used for sending the coded exchange rate to the automatic teller machine.

In an eighth aspect, an embodiment of the present application provides a third server, where the third server belongs to the international card organization, and the third server includes a transaction information receiving module and an entry module;

the transaction information receiving module is used for receiving an exchange rate, a local currency withdrawal amount and a foreign currency posting amount which are sent by a first server, wherein the exchange rate, the local currency withdrawal amount and the foreign currency are sent to the first server by an automatic teller machine;

and the account entry module is used for completing account entry according to the exchange rate, the withdrawal amount of the local currency and the foreign currency, so that the automatic teller machine can discharge the money to the holder of the foreign card after determining that the account entry is completed by the third server.

In an embodiment of the application, after the posting is completed according to the exchange rate, the local currency withdrawal amount, and the foreign currency, the posting module is further configured to: and sending a notice of completion of the account entry to the automatic teller machine so that the automatic teller machine can send out the bank note to the holder of the external card after receiving the notice of completion of the account entry.

In a ninth aspect, an embodiment of the present application provides an electronic device, including a memory and a processor, where the processor is communicatively connected to the memory;

the memory stores a computer program that, when executed by the processor, implements the dynamic currency conversion method for external card withdrawal of the first aspect, or the dynamic currency conversion method for external card withdrawal of the second aspect, or the dynamic currency conversion method for external card withdrawal of the third aspect, or the dynamic currency conversion method for external card withdrawal of the fourth aspect.

In a tenth aspect, embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, and when executed by a processor, the computer program implements the dynamic currency conversion method for external card withdrawal of the first aspect, or the dynamic currency conversion method for external card withdrawal of the second aspect, or the dynamic currency conversion method for external card withdrawal of the third aspect, or the dynamic currency conversion method for external card withdrawal of the fourth aspect.

The technical scheme provided by the embodiment of the application at least has the following beneficial effects:

according to the dynamic currency conversion method, the device, the equipment and the medium for withdrawing the external card, when the external card holder withdraws money from the automatic teller machine, the acquiring bank can convert local transaction currency into external card holder account currency for transaction, and the exchange commission is converted into the acquiring bank income of the automatic teller machine, so that the external card holder can know real withdrawal amount, withdrawal commission and exchange commission in real time, and the experience of the card holder is promoted.

Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.

Drawings

The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:

fig. 1 is a schematic flowchart of a dynamic currency conversion method for external card withdrawal according to an embodiment of the present disclosure;

fig. 2 is a schematic flowchart of another dynamic currency conversion method for external card withdrawal according to an embodiment of the present disclosure;

fig. 3 is a schematic block diagram of a first device according to an embodiment of the present disclosure;

fig. 4 is a schematic block diagram of a server according to an embodiment of the present application;

fig. 5 is a schematic block diagram of a second apparatus according to an embodiment of the present disclosure;

fig. 6 is a schematic view of an electronic device according to an embodiment of the present application.

Detailed Description

Reference will now be made in detail to the present application, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the same or similar parts or parts having the same or similar functions throughout. In addition, if a detailed description of the known art is not necessary for illustrating the features of the present application, it is omitted. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.

It will be understood by those within the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.

As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.

First, the terms referred to in the present application will be explained:

external clamping: the credit card and debit card which are issued by an overseas card issuing organization and open a global general payment verification function are indicated. And (3) single-order-receiving and single-order-releasing of the external card: the payment is a website in a non-financial institution agency in the country, and foreign exchange payment paid to the country by an overseas person is collected. The business process is that after the overseas individual purchases the goods at the domestic website, the overseas payment company cooperating with domestic non-financial institutions pays the foreign exchange payment to the bank account opened at the overseas by domestic non-financial institutions (the fund payment mode can be either Visa/MasterCard or T/T wire transfer or the like and issued by the overseas credit card or the MasterCard and the like).

DCC: is an abbreviation of DYNAMIC CURRENCY CONVERSION, i.e., DYNAMIC CURRENCY CONVERSION.

ATM: is an abbreviation of Automatic Teller Machine, i.e. Automatic Teller Machine.

ATMC: the ATM CONTROL, i.e., a terminal device CONTROL system of an ATM, operates in the ATM, and is mainly used to provide various transaction and management interactive interfaces for cardholders and ATM device administrators, and to interact with ATMP via messages to implement specific functions.

ATMP: ATM preconsolide, a front-end system of an ATM, is a communication front-end system, is bound between an application front-end system or a related service host and an ATM, and is mainly used for realizing functions of device management, communication mode normalization (access to an internal network), transaction message format conversion and forwarding and the like of a terminal.

ATMP is actually a channel, and it performs certain format conversion on the message from ATM and forwards it to the corresponding service HOST (HOST), and converts the received response from the HOST and sends it to the corresponding device. Both ATMC and ATMP have management functions, such as device status monitoring, transaction monitoring, data statistics analysis, etc.

The dynamic currency conversion method for external card withdrawal provided by the embodiment of the application can be executed by a system consisting of an automatic teller machine, a first server, a second server and a third server. The first server can be used for achieving external card order collection, the second server can be used for achieving real-time exchange rate query, the third server belongs to international card organization, and the international card organization can be Visa international card organization, an achievement international card organization and the like. It should be noted that the foreign currency financial card in the embodiment of the present application is a financial card issued by the international card organization.

Referring to fig. 1, fig. 1 is a schematic flowchart of a dynamic currency conversion method for external card withdrawal according to an embodiment of the present application, where the method includes the following steps:

s101: the automated teller machine displays a money input interface in response to a first operation by the external card cardholder upon determining that the external card cardholder has placed the automated teller machine into a foreign currency financial card.

When the automatic teller machine detects that a foreign currency financial card is put in, an operation interface is displayed, a plurality of controls such as an inquiry control, a cash withdrawal control and the like are displayed on the operation interface, and a cardholder can input the amount of money by clicking the cash withdrawal control.

S102: the automatic teller machine responds to the money input operation of the external card holder on the money input interface to determine the withdrawal money of the local money to be taken out by the external card holder.

In the amount input interface, the cardholder can input the required withdrawal amount through a keyboard of the automatic teller machine. The amount input interface may also display a plurality of cash-out amounts for the cardholder to select, for example, the amount input interface displays a plurality of amount controls such as 100, 300, 500, and 1000, and the cardholder may click on the corresponding amount control to complete the amount input operation.

It should be noted that the withdrawal amount input by the cardholder on the amount input interface is the withdrawal amount of the local currency. For example, the foreign currency financial card is a dollar financial card, the local currency is the RMB, and the withdrawal amount input by the cardholder on the amount input interface is the withdrawal amount of the RMB.

S103: the automatic teller machine sends the withdrawal amount of the local currency and the currency type of the foreign card to the first server.

Taking the foreign currency financial card as a dollar financial card and the local currency as a RMB as an example, the withdrawal amount of the local currency is 500 yuan, and the currency of the foreign currency is dollars. The automatic teller machine may send information to the first server that the local currency withdrawal amount is 500 dollars and the foreign currency is dollars.

ATMC (terminal equipment control system of automatic teller machine) and ATMP (front-end system of automatic teller machine) can be deployed to the automatic teller machine, and ATMP can be used for realizing functions such as equipment management, communication mode standardization (access to internal network), transaction message format conversion and forwarding of a terminal. Thus, the automated teller machine may send the local currency withdrawal amount and the foreign card currency type to the first server via the ATMP based on ATMC.

S104: after receiving the withdrawal amount of the local currency and the currency type of the foreign card sent by the automatic teller machine, the first server sends exchange rate query requests aiming at the local currency and the foreign currency to the second server.

Continuing with the example where the foreign currency financial card is a U.S. dollar financial card and the local currency is Renminbi, the first server sends an exchange rate query request for Renminbi and U.S. dollars to the second server after receiving information that the withdrawal amount of the local currency is 500 yuan and the currency of the foreign card is U.S. dollars.

S105: the second server receives the exchange rate query request sent by the first server and aiming at the local currency and the foreign currency.

S106: and the second server inquires the coded exchange rate of the local currency and the foreign currency according to the exchange rate inquiry request and sends the coded exchange rate to the automatic teller machine.

The second server is used for realizing real-time exchange rate query, and the second server can query the relevant exchange rate according to the exchange rate query request. For example, the second server may query the exchange rate between RMB and U.S. dollars based on a rate query request for RMB and U.S. dollars, and return the exchange rate to the automated teller machine.

S107: the ATM displays the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency.

The cardholder decides whether to select DCC mode to withdraw money according to the exchange rate displayed by the ATM, the withdrawing amount of the local currency and the posting amount of the foreign currency, if so, the cardholder can execute the relevant confirmation operation subsequently.

S108: and after determining that the card holder of the external card selects the DCC mode to withdraw money, the automatic teller machine sends the exchange rate, the withdrawal amount of the local currency and the posting amount of the external currency to the first server.

The ATM can display relevant inquiry information to inquire whether a card holder selects a DCC mode for withdrawal, and can display a selection control for the card holder to click selectively, so that the ATM can determine whether an outside card holder selects the DCC mode for withdrawal. For example, when the cardholder clicks on a control representing "yes," the automated teller machine determines that the outside card cardholder selected DCC mode for withdrawal; when the cardholder clicks the control representing "no," the ATM determines that the external cardholder does not select DCC mode to withdraw money. Of course, the automatic teller machine may also confirm whether the external card holder chooses DCC mode to withdraw money by voice interaction with the card holder.

As described above, the atm may deploy ATMC (terminal equipment control system of the atm) and ATMP (front end system of the atm), and the atm transmits the exchange rate, the local money withdrawal amount, and the deposit amount of the foreign money to the first server through the ATMP based on the ATMC.

It will be appreciated that the automated teller machine may terminate the withdrawal process or may perform a default withdrawal process after determining that the DCC mode of withdrawal has not been selected by the cardholder of the external card.

In one embodiment of the present application, at step S108, the atm displays a verification code input interface, and obtains the verification code in response to a verification code input operation of the external card holder; sending the verification code to the first server to cause the first server to forward the verification code to the third server.

In one embodiment of the present application, an automated teller machine obtains at least one item of biometric information of the foreign card holder and sends the at least one item of biometric information to the first server to cause the first server to forward the at least one item of biometric information to the third server at step S108.

It is understood that the biometric information may include iris information, face information, fingerprint information, and the like. The automatic teller machine can be provided with an iris acquisition device, and iris information of an external cardholder is acquired through the iris acquisition device; the automatic teller machine can be provided with a camera device, and the camera device is used for acquiring the facial information of an external cardholder; the ATM can be provided with a fingerprint acquisition device, and the fingerprint information of an external card holder is acquired through the fingerprint acquisition device.

S109: the first server receives the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency which are sent by the automatic teller machine.

S110: the first server sends the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to the third server.

In one embodiment of the present application, before step S110, the method further includes: a first server may receive a validation code sent by the automatic teller machine; and sending the verification code to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the verification code.

In one embodiment of the present application, before step S110, the method further includes: the first server may receive at least one item of biometric information of the external card cardholder sent by the automatic teller machine; and sending the at least one item of biological information to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the at least one item of biological information.

S111: and the third server receives the exchange rate, the local currency withdrawal amount and the foreign currency posting amount sent by the first server.

It can be understood that the terminal can obtain and check the information of the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency at the third server by the staff of the international card organization.

S112: and the third server completes the account entry according to the exchange rate, the withdrawal amount of the local currency and the foreign currency.

Here, the posting means that the foreign currency amount and the commission fee corresponding to the local currency withdrawal amount in the foreign currency financial card are transferred to the local bank to which the automatic teller machine belongs.

In one embodiment of the present application, after completing posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency, the method further comprises: and sending a notice of account entry completion to the automatic teller machine so that the automatic teller machine can send out the cash to an external card holder after receiving the notice of account entry completion.

In order to ensure the fund security of the cardholder, the withdrawal authority of the external cardholder can be verified based on relevant information before the check-in is completed, and the check-in is performed after the verification is passed. The related information may be a verification code or biometric information of the outside cardholder. Here, the authentication code may be a password of a foreign currency financial card, and the biometric information may be iris information, face information, fingerprint information, etc. of a holder of the foreign currency card.

In one embodiment of the application, in step S112, the third server receives the verification code sent by the first server, and verifies the withdrawal authority of the external cardholder based on the verification code; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

In one embodiment of the present application, in step S112, the third server receives at least one piece of biometric information of the external cardholder sent by the first server, and verifies the withdrawal authority of the external cardholder based on the at least one piece of biometric information; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

S113: and the automatic teller machine sends out the paper money to an external card holder after determining that the third server finishes the account entry.

Alternatively, the automatic teller machine may receive a completion posting notification sent by the third server, and upon receiving the posting notification, determine that the third server has completed posting and dispensed the money to the external card cardholder.

Based on the same inventive concept, an embodiment of the present application provides an automatic teller machine, as shown in fig. 2, the automatic teller machine includes an information input module 201, a rate display module 202, a transaction information sending module 203, and a cash dispensing module 204.

The information input module 201 is configured to display a money amount input interface in response to a first operation by a foreign card holder upon determining that the foreign card holder has placed the automatic teller machine into a foreign currency financial card; in response to the amount input operation of the external card holder on the amount input interface, determining the amount of the local money to be taken out by the external card holder;

the exchange rate display module 202 is configured to send the withdrawal amount of the local currency and the currency of the foreign card to the first server, so that the first server sends an exchange rate query request to the second server, and the second server returns the encoded exchange rate to the automatic teller machine; showing the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency;

the transaction information sending module 203 is used for sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to the first server after determining that the foreign card holder selects the DCC mode for withdrawal, so that the first server forwards the exchange rate, the withdrawal amount of the local currency and the foreign currency to the third server;

the cash-out module 204 is configured to send out cash to the external card holder after determining that the third server completes the accounting.

In an embodiment of the present application, the exchange rate display module 202 is specifically configured to: and based on the ATMC, sending the withdrawal amount of the local currency and the currency of the foreign card to the first server through the ATMP.

In an embodiment of the present application, the transaction information sending module 203 is specifically configured to: and based on the ATMC, sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to the first server through the ATMP.

In an embodiment of the present application, the transaction information sending module 203 is specifically configured to: the automatic teller machine displays a verification code input interface, and responds to the verification code input operation of a cardholder of the external card to acquire the verification code; sending the verification code to the first server to cause the first server to forward the verification code to the third server.

In an embodiment of the present application, the transaction information sending module 203 is specifically configured to: an automatic teller machine obtains at least one item of biological information of the external card holder, and sends the at least one item of biological information to the first server, so that the first server forwards the at least one item of biological information to the third server.

In an embodiment of the present application, the cash dispensing module 204 is specifically configured to: and after receiving the account-entering completion notification sent by the third server, determining that the account-entering is completed by the third server, and outputting the money to the holder of the external card.

In an embodiment of the present application, the system further includes a termination module, where the termination module is configured to terminate the withdrawal flow or execute a default withdrawal flow after determining that the DCC mode withdrawal is not selected by the cardholder of the external card.

The automatic teller machine provided by the embodiment of the present application has the same inventive concept as the previous embodiments, and the contents not shown in detail in the automatic teller machine may refer to the previous embodiments, and are not described again here.

Based on the same inventive concept, the embodiment of the present application provides a first server, where the first server is used to implement external card receipt, as shown in fig. 3, the first server includes a request sending module 301 and a transaction information forwarding module 302.

The request sending module 301 is configured to send an exchange rate query request for the local currency and the foreign currency to the second server after receiving the withdrawal amount of the local currency and the currency of the foreign card sent by the automatic teller machine, so that the second server returns the exchange rate after adding the code to the automatic teller machine;

the transaction information forwarding module 302 is configured to receive an exchange rate, a local currency withdrawal amount, and an account amount of a foreign currency, which are sent by an automatic teller machine; and sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to the third server so that the third server completes posting.

In an embodiment of the present application, the transaction information forwarding module 302 is specifically configured to: receiving a verification code sent by the automatic teller machine; and sending the verification code to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the verification code.

In an embodiment of the present application, the transaction information forwarding module 302 is specifically configured to: receiving at least one item of biological information of the cardholder of the external card sent by the automatic teller machine; and sending the at least one item of biological information to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the at least one item of biological information.

The first server provided in the embodiment of the present application has the same inventive concept as the previous embodiments, and the contents not shown in detail in the first server may refer to the previous embodiments, and are not described herein again.

Based on the same inventive concept, the embodiment of the present application provides a second server, where the second server is configured to implement real-time exchange rate query, and as shown in fig. 4, the second server includes an exchange rate query module 401 and an exchange rate sending module 402.

The exchange rate query module 401 is configured to receive an exchange rate query request sent by the first server and addressed to the local currency and the foreign currency; the exchange rate query request is sent by the first server after receiving the withdrawal amount of the local currency and the currency of the foreign card sent back by the automatic teller machine; inquiring the exchange rate of the local currency and the foreign currency after adding codes according to the exchange rate inquiry request;

the exchange rate sending module 402 is configured to send the coded exchange rate to an automatic teller machine.

The second server provided in the embodiment of the present application has the same inventive concept as that in the previous embodiments, and the content not shown in detail in the second server may refer to the previous embodiments, and is not described herein again.

Based on the same inventive concept, the embodiment of the present application provides a third server, where the third server belongs to the international card organization, and as shown in fig. 5, the third server includes a transaction information receiving module 501 and an accounting module 502.

The transaction information receiving module 501 is configured to receive an exchange rate, a local currency withdrawal amount, and an account entry amount of a foreign currency, which are sent by a first server, where the exchange rate, the local currency withdrawal amount, and the foreign currency are sent to the first server by an automatic teller machine;

the posting module 502 is configured to complete posting according to the exchange rate, the amount of money drawn by the local currency, and the foreign currency, so that the cash is dispensed to the cardholder of the foreign card after the automatic teller machine determines that posting is completed by the third server.

In an embodiment of the present application, the posting module 502, after completing posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency, is further configured to: and sending a notice of account entry completion to the automatic teller machine so that the automatic teller machine can send out the cash to an external card holder after receiving the notice of account entry completion.

In an embodiment of the present application, the posting module 502 is specifically configured to: receiving a verification code sent by the first server, and verifying the withdrawal authority of the external cardholder based on the verification code; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

In an embodiment of the present application, the posting module 502 is specifically configured to: receiving at least one item of biological information of the external cardholder sent by the first server, and verifying the withdrawal authority of the external cardholder based on the at least one item of biological information; and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

The third server provided in the embodiment of the present application has the same inventive concept as that in the previous embodiments, and the content not shown in detail in the third server may refer to the previous embodiments, and is not described herein again.

Based on the same inventive concept, an embodiment of the present application further provides an electronic device, as shown in fig. 6, the electronic device includes a memory 603 and a processor 601, and the processor 601 is communicatively connected to the memory 603; the memory stores a computer program that, when executed by the processor, implements the dynamic currency conversion method for external card withdrawal executed by the first device, the dynamic currency conversion method for external card withdrawal executed by the server, or the dynamic currency conversion method for external card withdrawal executed by the second device.

Alternatively, the processor 601 and the memory 603 may be connected by a bus 602. Optionally, the electronic device may further include a transceiver 604. It should be noted that the transceiver 604 is not limited to one in practical application, and the structure of the electronic device is not limited to the embodiment of the present application.

The processor 601 is applied to the embodiment of the present application, and is configured to implement the method shown in the above method embodiment. The transceiver 604 may include a receiver and a transmitter, and the transceiver 604 is applied in the embodiments of the present application to implement the functions of the electronic device of the embodiments of the present application to communicate with other devices when executed.

The Processor 601 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 601 may also be a combination of computing functions, e.g., comprising one or more microprocessors, DSPs and microprocessors, and the like.

Bus 602 may include a path that transfers information between the above components. The bus 602 may be a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus 602 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 3, but this does not mean only one bus or one type of bus.

The Memory 603 may be a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical Disc storage, optical Disc storage (including Compact Disc, laser Disc, optical Disc, digital versatile Disc, blu-ray Disc, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store a desired computer program in the form of instructions or data structures and that can be accessed by a computer, but is not limited to these.

The electronic device provided by the embodiment of the present application has the same inventive concept as the foregoing embodiments, and the details that are not shown in detail in the electronic device may refer to the foregoing embodiments, and are not described herein again.

Based on the same inventive concept, an embodiment of the present application further provides a computer-readable storage medium, where the storage medium stores a computer program, and when the computer program is executed by a processor, the dynamic currency conversion method for external card withdrawal executed by the first device, or the dynamic currency conversion method for external card withdrawal executed by a server, or the dynamic currency conversion method for external card withdrawal executed by a second device, is implemented.

The computer-readable storage medium provided in the embodiments of the present application has the same inventive concept as the foregoing embodiments, and the contents that are not shown in detail in the computer-readable storage medium may refer to the foregoing embodiments, and are not described herein again.

While the process flows described above include operations that occur in a particular order, it should be appreciated that the processes may include more or less operations that are performed sequentially or in parallel (e.g., using parallel processors or a multi-threaded environment).

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computer device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein. The embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The described embodiments may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A dynamic currency conversion method for drawing money by an external card is applied to an automatic teller machine and is characterized by comprising the following steps:

2. The method of dynamic currency conversion for foreign card withdrawals of claim 1, wherein said sending the local currency withdrawal amount and foreign card currency type to a first server comprises: and based on the ATMC, sending the withdrawal amount of the local currency and the currency of the foreign card to a first server through the ATMP.

3. The method of claim 1, wherein sending the exchange rate, the local currency withdrawal amount, and the posting amount for the foreign currency to the first server comprises: and based on the ATMC, sending the exchange rate, the withdrawal amount of the local currency and the posting amount of the foreign currency to a first server through the ATMP.

4. The method of dynamic currency conversion for external card withdrawals of claim 1, wherein said outputting a bill to the external card cardholder after determining that the third server has completed the posting comprises: and after receiving the account entry completion notification sent by the third server, determining that the account entry is completed by the third server, and outputting the bank note to the external card holder.

5. The method of dynamic currency conversion for external card withdrawals of claim 4, wherein prior to the determining that the third server is finished posting, the method further comprises:

displaying a verification code input interface, and responding to the verification code input operation of the external card holder to acquire the verification code;

sending the verification code to the first server to cause the first server to forward the verification code to the third server.

6. The method of dynamic currency conversion for external card withdrawals of claim 4, wherein prior to the determining that the third server is finished posting, the method further comprises:

and acquiring at least one item of biological information of the external cardholder, and sending the at least one item of biological information to the first server so that the first server forwards the at least one item of biological information to the third server.

7. The dynamic currency conversion method for an external card withdrawal according to claim 1, wherein upon determining that the external card holder has not selected DCC mode for withdrawal, either the withdrawal flow is terminated or a default withdrawal flow is performed.

8. A dynamic currency conversion method aiming at external card withdrawal is applied to a first server, and the first server is used for realizing external card receipt, and is characterized by comprising the following steps:

9. The method of dynamic currency conversion for foreign card withdrawals of claim 8, wherein prior to sending the exchange rate, the local currency withdrawal amount, and the posting amount for the foreign currency to a third server, the method further comprises:

receiving a verification code sent by the automatic teller machine;

and sending the verification code to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the verification code.

10. The method of dynamic currency conversion for foreign card withdrawals of claim 8, wherein prior to sending the exchange rate, the local currency withdrawal amount, and the posting amount for the foreign currency to a third server, the method further comprises:

receiving at least one item of biological information of the cardholder of the external card sent by the automatic teller machine;

and sending the at least one item of biological information to the third server so that the third server can verify the withdrawal authority of the external cardholder based on the at least one item of biological information.

11. A dynamic currency conversion method aiming at external card withdrawal is applied to a second server, and the second server is used for realizing real-time exchange rate query and is characterized by comprising the following steps:

and sending the coded exchange rate to the automatic teller machine.

12. A dynamic currency conversion method aiming at external card withdrawal, which applies a third server, wherein the third server belongs to international card organization, and is characterized by comprising the following steps:

13. The method of dynamic currency conversion for foreign card withdrawals of claim 12, wherein after said completing the posting according to the exchange rate, the local currency withdrawal amount, and the foreign currency, the method further comprises:

and sending a notice of completion of the account entry to the automatic teller machine so that the automatic teller machine can send out the bank note to the holder of the external card after receiving the notice of completion of the account entry.

14. The method of claim 12, wherein the completing the entry based on the exchange rate, the local currency withdrawal amount, and the foreign currency comprises:

receiving a verification code sent by the first server, and verifying the withdrawal authority of the external cardholder based on the verification code;

and when the external cardholder is determined to have the withdrawal right, completing the entry according to the exchange rate, the withdrawal amount of the local currency and the external currency.

15. The method of claim 12, wherein the completing the entry based on the exchange rate, the local currency withdrawal amount, and the foreign currency comprises:

receiving at least one item of biological information of the external cardholder sent by the first server, and verifying the withdrawal authority of the external cardholder based on the at least one item of biological information;

16. An automatic teller machine comprising:

an information input module to present a money input interface in response to a first operation by a foreign card holder upon determining that the foreign card holder has placed an automatic teller machine into a foreign currency financial card; in response to the amount input operation of the external card holder on an amount input interface, determining the withdrawal amount of the local currency to be taken out by the external card holder;

and the cash-out module is used for outputting cash to the external card holder after the third server is confirmed to finish the account entry.

17. A first server configured to implement external card billing, comprising:

the request sending module is used for sending an exchange rate query request aiming at local currency and foreign currency to a second server after receiving the withdrawal amount of the local currency and the currency of a foreign card sent by an automatic teller machine, so that the second server returns the exchange rate after coding to the automatic teller machine;

18. A second server, the second server configured to implement a real-time rate query, the second server comprising:

19. A third server belonging to the international card organization, comprising:

and the account entry module is used for completing account entry according to the exchange rate, the withdrawal amount of the local currency and the foreign currency, so that the cash is discharged to the holder of the foreign card after the automatic teller machine determines that the account entry is completed by the third server.

20. An electronic device comprising a memory and a processor, the processor communicatively coupled to the memory;

the memory stores a computer program which, when executed by the processor, implements a dynamic currency conversion method for external card withdrawal as claimed in any one of claims 1 to 7, or a dynamic currency conversion method for external card withdrawal as claimed in any one of claims 8 to 10, or a dynamic currency conversion method for external card withdrawal as claimed in claim 11, or a dynamic currency conversion method for external card withdrawal as claimed in any one of claims 12 to 15.

21. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out a method for dynamic currency conversion for external card withdrawal according to any one of claims 1 to 7, or a method for dynamic currency conversion for external card withdrawal according to any one of claims 8 to 10, or a method for dynamic currency conversion for external card withdrawal according to claim 11, or a method for dynamic currency conversion for external card withdrawal according to any one of claims 12 to 15.