TWM569896U - Foreign currency exchange system - Google Patents

Abstract

The new exchange trading system created by the present invention has an electronic device and a counter system. The electronic device provides a two-dimensional barcode, and the two-dimensional barcode has account information. The counter system exchanges information with the electronic device, and the counter system reads the two-dimensional barcode of the electronic device, and sends the verification information to the account management server according to the two-dimensional barcode to verify whether the account information is legal. The counter system receives the exchange amount when the account information is legal, and draws the current exchange rate to add the corresponding foreign currency amount to the corresponding account information account according to the exchange amount and the current exchange rate.

Description

Foreign currency exchange system

This new creation is about a financial transaction technology, and in particular, it relates to a foreign currency exchange system.

After the passenger leaves the country, the remaining local currency is useless, so many passengers will choose to exchange the remaining local currency for foreign currency. However, the exchange rate is not an integer, and it is difficult for passengers to exchange all remaining currencies for foreign currency. If these local currencies are discarded, it will result in a waste of money, but if these local currencies are saved, it will incur additional management costs. Therefore, how to effectively exchange local currency for foreign currency is a problem that is the focus of technical personnel in the field.

The new creation provides a exchange transaction system to provide passengers with the full conversion of the remaining local currency into foreign currency.

The new exchange trading system created by the present invention has an electronic device and a counter system. The electronic device provides a two-dimensional barcode, and the two-dimensional barcode has account information. The counter system exchanges information with the electronic device, and the counter system reads the two-dimensional barcode of the electronic device, and sends the verification information to the account management server according to the two-dimensional barcode to verify whether the account information is legal. The counter system receives the exchange amount when the account information is legal, and draws the current exchange rate to add the corresponding foreign currency amount to the corresponding account information account according to the exchange amount and the current exchange rate.

Based on the above, the foreign currency exchange system created by the present invention cooperates with the electronic device and the counter system, so that the user can authenticate the user through the account management server, and the remaining information is obtained through the account information in the account management server. Convert Taiwan dollars into foreign currencies. In this way, the user can directly store the remaining foreign currency through the electronic wallet to convert the remaining local currency into a foreign currency in full, and solve the problem of the remaining currency.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

FIG. 1 is a schematic diagram showing an implementation of an exception currency exchange system according to the present disclosure. Referring to FIG. 1 , in an embodiment of the present disclosure, the foreign currency exchange system 100 has an electronic device 110 and a counter system 120 .

The electronic device 110 is a terminal device used by the user, such as a personal computer, a notebook computer, a handheld device, etc., and does not limit the model, the brand, and the operating system. The electronic device 110 has a processing unit, a communication unit, and a storage unit. The processing unit is configured to run various functions of the electronic device 110, and the processing unit may be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal A digital signal processor (DSP), a programmable controller, an application specific integrated circuit (ASIC), or the like, or a combination of the above elements, the disclosure is not limited thereto.

The communication unit is used for transmitting and receiving signals, and is implemented by using a communication chip, which can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access, WiMAX) system, Wireless Fidelity (Wi-Fi) system or Bluetooth signal transmission components.

The storage unit stores various types of codes and data of the operating electronic device 110, such as any type of fixed or removable random access memory (RAM), read-only memory (ROM). , flash memory, Hard Disk Drive (HDD), Solid State Drive (SSD) or the like or a combination of the above.

The counter system 120 also has a processing unit, a communication unit and a storage unit. The processing unit is used to run various functions of the counter system 120. The communication unit exchanges data with the account management server 200, and the storage unit stores various types of the operating counter system 120. Code and data. The processing unit, the communication unit, and the storage unit of the counter system 120 are implemented in a processing unit, a communication unit, and a storage unit similar to the electronic device 110, and are not described herein.

In addition, the counter system 120 is also provided with a bar code scanning unit and an input unit. The barcode scanning unit is, for example, a camera or an optical recognition element to perform a function of photographing or scanning a barcode. The input unit is, for example, a physical or virtual keyboard, a mouse, a touch screen, etc., to provide an operator with input of various materials, and the disclosure is not limited thereto.

In the embodiment of the present disclosure, the foreign currency exchange system 100 is based on the identity information authenticated by the user in the account management server 200 as the basis for identity verification, and may pass an account stored in advance in the account management server 200, for example, Stored value accounts, bank account numbers, etc. to debit or receive feedback. Therefore, before operating the foreign currency exchange system, the user must log in the identity information in the account management server 200 in advance, and after the account management server 200 is authenticated, the foreign currency exchange system is used.

The account management server 200 also has a processing unit, a communication unit, and a storage unit. The processing unit is configured to run various functions of the account management server 200. In particular, the processing unit verifies the identity information of the user. The processing unit will store the user's identity information in the storage unit. The communication unit exchanges data with the account management server 200. The storage unit stores various types of codes and data for running the account management server 200. In particular, the storage unit stores the user-pre-stored identity information and account number. The processing unit, the communication unit, and the storage unit of the account management server 200 are implemented in a processing unit, a communication unit, and a storage unit similar to the electronic device 110, and are not described herein.

In the embodiment of the present disclosure, the account management server 200 may be operated by an external third party, or the account management server 200 may be additionally provided in the foreign currency exchange system disclosed in the present disclosure, and the disclosure is not limited thereto.

2 is a flow chart showing the operation of a foreign currency exchange system according to an embodiment of the present disclosure. How the user exchanges money through the foreign currency exchange system 100 of the present disclosure will be described below with reference to FIGS. 1 and 2.

When the user wants to exchange the Taiwanese currency for foreign currency, the electronic device 110 provides a two-dimensional barcode in step S210. In detail, the two-dimensional barcode is generated by the user's account information previously registered in the account management server 200. For example, this 2D barcode is generated from the identity information in the account information. In other embodiments, the two-dimensional barcode can also be generated jointly by the identity information and the account number in the account information. Or, the two-dimensional barcode can also store the identity information and the unique identification code. For example, the identity information and the account number are input into the hash value obtained by the hash algorithm, and the hash value corresponds to the unique identity information.

Additionally, this two-dimensional barcode can be generated by the account management server 200. The electronic device 110 can connect to the account management server 200 to download the two-dimensional barcode. Alternatively, the electronic device 110 may retrieve the identity information when the user uses the account management server 200, and generate the two-dimensional barcode by the operation of the processing unit, and the disclosure is not limited thereto.

At step S220, the counter system 120 reads the two-dimensional barcode provided by the electronic device 110. In detail, the counter system 120 can recognize the two-dimensional barcode by its barcode scanning unit to read the content of the two-dimensional barcode. Alternatively, the counter system 120 may also be connected to the electronic device 110 through the communication unit (for example, exchange of data through Bluetooth), thereby reading the content of the two-dimensional barcode.

In step S230, the counter system 120 transmits verification information to the account management server 200 according to the two-dimensional barcode to verify whether the account information is legal.

As described above, if only the identity information is stored in the two-dimensional barcode, the counter system 120 uses the identity information read from the two-dimensional barcode as the verification information, and sends the verification information to the account management server 200. The account management server 200 verifies whether the identity information has been logged in, and finds the corresponding account information based on the identity information. The account management server 200 will send this account information along with the verification results to the counter system 120.

Alternatively, in another embodiment of the disclosure, the two-dimensional barcode has both identity information and transaction information, and the counter system 120 uses the identity information and the transaction information as the verification information. When the counter system 120 sends the verification information to the account management server 200, the account management server 200 verifies whether the identity information has been logged in, and determines whether the transaction information stored in the two-dimensional barcode is related to the account management server. The corresponding information stored in the corresponding information in 200 is the same.

In still another embodiment of the disclosure, the two-dimensional barcode has both identity information and an identification code, and the counter system 120 uses the identity information and the identification code as verification information. When the counter system 120 sends the verification information to the account management server 200, the account management server 200 verifies whether the identity information has been logged in, and determines whether the identification code and the corresponding identity information in the account management server 200. The stored transaction information is the same.

In other embodiments, the counter system 120 can also generate a unique verification code according to the encryption algorithm by using the account information and the identity information stored in the two-dimensional barcode, and use the verification code as the verification information. When the counter system 120 sends the verification information to the account management server 200, the account management server 200 verifies the verification code using a corresponding algorithm to determine whether the verification information is legal.

In addition, in order to strengthen the management of the account, the account management server 200 may also send a confirmation message to the phone number or the bound application previously registered by the user after receiving the verification verification information. In the embodiment of the present disclosure, the user must input and return the SMS verification code in the confirmation SMS to the account management server 200 through the electronic device 110. In this way, to confirm whether the exchange behavior of the exchange is performed or authorized by the user of the corresponding identity information.

In the above different embodiments, if the verification information is legal, it means that the account information carried by the two-dimensional barcode is legal. Therefore, the account management server 200 sends a verification result to the counter system 120. If the verification result is that the user's account information is not legal, the counter system 120 displays a transaction failure message on its screen.

In step S240, if the verification result is that the user's account information is legal, the counter system 120 receives the exchange amount and retrieves the current exchange rate, so as to add the corresponding foreign exchange amount to the account of the corresponding account information according to the exchange amount and the current exchange rate. in.

In detail, when the user's account information is legal, the counter system 120 provides a foreign exchange amount input interface to the user, so that the user can input the exchange amount (for example, convert the Taiwanese dollar of 1825 yuan into RMB). The counter system 120, when receiving the exchange amount, connects to the agreed exchange rate system to retrieve the current exchange rate. Thereby, the counter system 120 converts the exchange foreign currency amount according to the product of the exchange amount and the current exchange rate, and adds the exchange foreign currency amount to the account of the corresponding account information.

For example, if the amount of exchange input entered by the user is to convert the Taiwan dollar of 1825 yuan into RMB, and the exchange rate drawn by the agreed exchange rate system provided by the bank is NT$0.222 for NT$1. At this time, the counter system 120 will calculate the equivalent value of NT$1825 to NT$405.555, thus adding 405.555 RMB foreign exchange amount to the account of the corresponding account information.

It should be noted that the electronic device 110 and the counter system 120 of the present disclosure can be operated by the same user. That is, the counter system 120 can be designed in the form of a self-service station (eg, KIOSK, ATM, etc.). The user can insert the NTD cash in the cash collection port of the counter system 120, and count the NTD cash by the counting mechanism to input the exchange amount. In another embodiment of the present disclosure, after the user inputs the exchange amount, the banknotes are inserted into the banknote counter of the counter system 120. When the counter system 120 counts the Taiwanese currency by the counting mechanism, and judges that the Taiwanese currency is consistent with the exchange amount, the exchange foreign currency amount is further added to the account of the corresponding account information.

In other embodiments of the present disclosure, the electronic device 110 and the counter system 120 can also be operated by different user operations. For example, the electronic device 110 is enabled, for example, for operation by a client user, and the counter system 120 is enabled by operation of a bank user, and the disclosure is not limited thereto.

In summary, the new foreign currency exchange system created by the present invention cooperates with the electronic device and the counter system to enable the user to authenticate the user through the account management server and to use the account information in the account management server. The remaining Taiwan dollars are exchanged for foreign currency. In this way, the user can directly store the remaining foreign currency through the electronic wallet to convert the remaining local currency into a foreign currency in full, and solve the problem of the remaining currency.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

100‧‧‧ Foreign currency exchange system

110‧‧‧Electronic devices

120‧‧‧ counter system

200‧‧‧Account Management Server

S210~S240‧‧‧Steps

FIG. 1 is a schematic diagram showing an implementation of an exception currency exchange system according to the present disclosure. 2 is a flow chart showing the operation of an implementation currency exchange system in accordance with the present disclosure.

Claims (7)

A foreign currency exchange system includes: an electronic device providing a two-dimensional barcode, wherein the two-dimensional barcode includes account information; and a counter system that exchanges information with the electronic device, the counter system reads the two-dimensional barcode of the electronic device, and Sending verification information to the account management server according to the two-dimensional barcode to verify whether the account information is legal. When the account information is legal, the counter system receives the exchange amount and retrieves the current exchange rate according to the exchange amount. And the current exchange rate will add the corresponding exchange foreign currency amount to the account corresponding to the account information. For example, the foreign currency exchange system described in claim 1 of the patent scope, wherein the account information includes identity information. The foreign currency exchange system as described in claim 2, wherein the account information further includes at least one of an account number and an identification code. The foreign currency exchange system as described in claim 1, wherein the counter system displays a transaction failure message on the screen of the counter system when the account information is illegal. The foreign currency exchange system of claim 1, wherein the counter system further obtains the exchange foreign currency amount according to the product of the exchange amount and the current exchange rate. The foreign currency exchange system of claim 1, wherein the counter system further comprises a cash collection port and a one-dot mechanism, the counter system receiving the Taiwanese currency banknotes placed by the user in the cash collection port of the counter system And the banknotes of the counter system are used to count the banknotes of the currency to obtain the exchange amount. The foreign currency exchange system of claim 1, wherein the counter system further comprises a cash collection port and a one-dot mechanism, the counter system also receiving the Taiwanese currency currently placed in the receipt of the counter system by the user The banknotes are counted by the banknote mechanism of the counter system, and the amount of the exchange is compared with the amount of the banknotes.