TWI689884B - Foreign exchange to price trading system - Google Patents

Abstract

A foreign exchange to price system includes a storage device, a network device and a processor. The network device is communicated with an exchange rate server, and the processor is electrically connected to the storage device and the network device. The storage device stores a foreign exchange transaction setting. The network device receives a current exchange rate from the exchange rate server. When the current exchange rate and the foreign exchange transaction setting are matched, the processor performs a transaction processing procedure based on foreign exchange transaction setting.

Description

Foreign exchange price transaction system

The invention relates to a computer system, in particular to a foreign exchange price transaction system.

Foreign exchange mainly refers to foreign currencies, and also includes means of payment expressed in foreign currencies for international settlement. The ratio derived from settlement is called the exchange rate.

However, modern life is busy and customers cannot keep an eye on the exchange rate trend, which makes it difficult for customers to grasp the best exchange rate every time and miss a good price.

The present invention proposes an innovative foreign exchange price transaction system to solve the problems of the prior art.

In an embodiment of the invention, a foreign exchange price transaction system includes a storage device, a network device, and a processor. The network device is connected to the exchange rate server, and the processor is electrically connected to the network device and the storage device. The storage device stores the foreign exchange transaction settings. The storage device obtains the current exchange rate from the exchange rate server. When the current exchange rate matches the foreign exchange transaction settings, the processor executes the transaction processing program based on the foreign exchange transaction settings.

In an embodiment of the invention, communication is established between the network device and the user device, the network device receives foreign exchange transaction settings from the user device, the processor stores the foreign exchange transaction settings to the storage device, and the foreign exchange transaction settings include currency, transaction Amount, transaction exchange rate, transaction type, transfer-out account, transfer-in account and validity period, the user device is a smartphone or computer.

In an embodiment of the present invention, the processor determines whether the balance of the transfer-out account is greater than the transaction amount. If so, the processor loads the transaction amount in the balance of the transfer-out account and records it in the storage device. The storage device is hard dish.

In an embodiment of the present invention, if the current exchange rate does not match the transaction exchange rate within the valid period, the processor releases the transaction amount in the balance transferred out of the account, and the processor is the central processor.

In an embodiment of the present invention, if the current exchange rate meets the transaction exchange rate within the validity period, the transaction processing program executed by the processor transfers the transaction amount that has been credited to the account according to the transaction exchange rate, and the processor performs central processing Device.

In an embodiment of the present invention, before executing the transaction processing procedure, the processor checks whether the accumulated foreign exchange settlement amount on the day of transfer out of the account is lower than the predetermined amount, if the accumulated foreign exchange settlement amount on the day of transfer out of the account is lower than the predetermined amount, the processor Perform transaction processing procedures.

In an embodiment of the present invention, if the accumulated settlement amount on the day of transfer out of the account is higher than the predetermined amount, the processor terminates the transaction processing procedure on the same day, and if the current exchange rate on the next day within the valid period matches the transaction exchange rate, the processor restarts Perform transaction processing procedures.

In an embodiment of the invention, after the transaction processing procedure is completed, the processor sends a notification to the user device through the network device.

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the prior art. To sum up, with the foreign exchange price transaction system of the present invention, customers can grasp the best exchange rate every time and never miss a good price.

The above description will be described in detail in the following embodiments, and the technical solutions of the present invention will be further explained.

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the attached symbols are described as follows:

100‧‧‧Foreign Exchange Price Trading System

110‧‧‧storage equipment

120‧‧‧Network equipment

130‧‧‧ processor

170‧‧‧Exchange rate server

190‧‧‧User device

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows:

Fig. 1 is an architecture diagram of a foreign exchange price transaction system according to an embodiment of the present invention.

In order to make the description of the present invention more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessary restrictions to the present invention.

In the embodiment and the scope of patent application, it refers to the description of "electrical connection", which can refer to a component indirectly electrically coupled to another component through other components, or a component is directly electrically connected to another without other components One component.

In the embodiment and the scope of applying for a patent, unless there is a special limitation on articles in the text, "a" and "the" may refer to a single one or plural ones.

The terms "about", "approximately", or "approximately" used in this article are used to modify any slightly variable quantity, but such slight changes will not change its essence. If there is no special description in the embodiment, the error range of the value modified by "about", "approximately" or "approximately" is generally allowed within 20%, preferably 10% Within, and better still within five percent.

The technical aspect of the present invention is a foreign exchange price transaction system, which can be applied in the field of financial technology or widely used in various suitable e-commerce. The specific implementation of the foreign exchange price transaction system will be described below with the first figure.

Please refer to FIG. 1, which is an architectural diagram of a foreign exchange price transaction system 100 according to an embodiment of the present invention. As shown in FIG. 1, the foreign exchange price transaction system 100 includes a storage device 110, a network device 120, and a processor 130.

Structurally, the network device 120 is connected to the exchange rate server 170, the processor 130 is electrically connected to the network device 120 and the storage device 110, and the network device 120 establishes communication with the user device 190. For example, the storage device 110 may be a hard disk, flash memory, cloud server, or other storage medium, the processor 130 may be a central processing unit, a microcontroller, or other processing circuits, and the network device 120 may be a network A card, a router, or any telecommunications storage device, the exchange rate server 170 may be a computer or other computer device, and the user device 190 may be a smartphone or computer.

First of all, the customer fills out the agreement for the completion of the price transaction and submits an application to the bank for the settlement of the foreign currency. Then, the customer can connect to the foreign exchange price transaction system 100 through the mobile banking application of the user device 190 or the internet banking webpage to set the foreign exchange transaction. In an embodiment of the present invention, the foreign exchange transaction settings include currency type, transaction amount, transaction exchange rate, transaction type, transfer-out account, transfer-in account, and validity period. The network device 120 of the foreign exchange price transaction system 100 receives the customer's foreign exchange transaction settings from the user device 190, and the storage device 110 stores the customer's foreign exchange transaction settings. The processor 130 determines whether the balance of the transfer-out account is greater than the transaction amount. If so, the processor 130 loads the transaction amount in the balance of the transfer-out account and records it in the storage device 110 accordingly.

Next, the storage device 120 obtains the current exchange rate from the exchange rate server, and the processor 130 determines whether the current exchange rate matches the foreign exchange transaction setting. When the current exchange rate matches the foreign exchange transaction setting, the processor 130 executes the transaction processing procedure based on the foreign exchange transaction setting. After the transaction processing procedure is completed, the processor 130 sends a notification (eg, newsletter, email, application) through the network device 120 Program push broadcast message) to the user device 190. Specifically, if the current exchange rate meets the transaction exchange rate within the valid period, the transaction processing program executed by the processor 130 transfers the transaction amount that has been credited to the transfer account according to the transaction exchange rate. On the contrary, if the current exchange rate does not match the transaction exchange rate within the valid period, the processor 130 releases the transaction amount in the balance transferred from the account.

In this way, as long as the customer sets the currency and exchange rate that he wants to buy (sell) in the mobile bank/Internet bank, when the price is reached, the foreign exchange price transaction system 100 will automatically deliver and make foreign currency deposits/deductions on the agreed account Account, let customers grasp the best exchange rate every time, and never miss a good price.

On the other hand, before executing the transaction processing procedure, the processor 130 checks whether the accumulated foreign exchange settlement amount on the day of the transfer-out account is lower than the predetermined amount (eg, 500,000) to comply with the relevant financial regulations. If the amount is lower than the predetermined amount, the processor 130 executes the transaction processing program. Conversely, if the accumulated foreign exchange settlement amount on the day of transferring out of the account is higher than the predetermined amount, the processor 130 terminates the transaction processing procedure on the same day to avoid transferring too much amount in one day. If it is stolen, it is unthinkable. In an embodiment of the invention, if the current exchange rate on the next day within the valid period matches the transaction exchange rate, the processor 130 re-executes the transaction processing procedure.

Although the present invention has been disclosed as above in an embodiment, it is not intended to limit the present invention. Anyone who is familiar with this skill can make various modifications and retouching without departing from the spirit and scope of the present invention, so the protection of the present invention The scope shall be determined by the scope of the attached patent application.

100‧‧‧Foreign Exchange Price Trading System

110‧‧‧storage equipment

120‧‧‧Network equipment

130‧‧‧ processor

170‧‧‧Exchange rate server

190‧‧‧User device

Claims (8)

A foreign exchange price transaction system includes: a storage device to store a foreign exchange transaction setting, wherein the foreign exchange transaction setting has a valid period and a transaction exchange rate; a network device, connected to an exchange rate server, the storage device from The exchange rate server obtains a current exchange rate; and a processor that electrically connects the network device and the storage device, and when the current exchange rate matches the foreign exchange transaction setting, the processor executes a transaction based on the foreign exchange transaction setting A transaction processing program, wherein before executing the transaction processing program, the processor determines whether the balance of a transfer-out account is greater than a transaction amount required in the transaction processing program, and if so, the processor deposits the transfer-out account The transaction amount in the balance is recorded corresponding to the storage device, which is a hard disk; the processor checks whether the accumulated settlement amount on the day of the transfer-out account is lower than a predetermined amount, if the transfer-out account If the accumulated foreign exchange settlement amount on the current day is higher than the predetermined amount, the processor terminates the transaction processing procedure on the day; and if the current exchange rate does not match the transaction exchange rate within the valid period, the processor releases the transfer of the transfer-out account The transaction amount in the balance. The foreign exchange price transaction system as described in claim 1, wherein the network device establishes communication with a user device, the network device receives the foreign exchange transaction setting from the user device, and the processor exchanges the foreign exchange transaction The settings are stored in the storage device. The foreign exchange transaction settings further include a currency, a transaction amount, a transaction type, a transfer-out account, and a transfer-in account. The user device is a smartphone or a computer. The foreign exchange price transaction system as described in claim 1, wherein the storage device is a hard disk. The foreign exchange price transaction system as described in claim 1, wherein the processor is a central processor. The foreign exchange price-quoted transaction system as described in claim 1, wherein if the current exchange rate meets the transaction exchange rate within the valid period, the transaction processing procedure executed by the processor is based on the transaction exchange rate for the transaction that has been loaded The amount is transferred to the transfer account, and the processor is a central processor. The foreign exchange CIF transaction system as described in claim 5, wherein if the accumulated foreign exchange settlement amount on the day of the transfer-out account is lower than the predetermined amount, the processor executes the transaction processing procedure. The foreign exchange price-quoted transaction system as described in claim 6, wherein if the current exchange rate on the next day within the valid period matches the transaction exchange rate, the processor re-executes the transaction processing procedure. The foreign exchange price transaction system as described in claim 2, wherein after the transaction processing procedure is completed, the processor issues the transaction through the network device Send a notification to the user device.

Images