TWM598450U - Foreign currency exchange system - Google Patents

Abstract

A foreign currency exchange system for selling foreign currency is provided. The foreign currency exchange system comprises a foreign currency transaction host and a payment verification device. The payment verification host comprises a payment verification module for automatically processing a customer's foreign currency purchase request. The foreign currency transaction host comprises an intelligent customer module for automatically processing a customer's foreign currency purchase request; a purchase and exchange processing module for receiving the foreign currency purchase request and returning the foreign currency order information and an order identification code, then returning a foreign currency withdrawal information and a withdrawal identification code after verification of payment, so as to let the client withdraw foreign currency from the external transaction device.

Description

Foreign currency purchase and exchange system

The present invention relates to a foreign currency purchase and exchange system, in particular to a transaction system that can provide scheduled or instant foreign currency transactions.

With the development of Taiwan's internationalization, the frequency and consumption of people going abroad has also increased, and the demand for foreign currencies (foreign currency notes and traveler's checks) has also increased. However, for most people before going abroad, they almost use counter-exchange and place orders on the spot, which is time-consuming and inefficient. In addition, when exchanging currency at the counter, it is often impossible to exchange for rare foreign currencies, and the combination of denominations cannot fully meet the expectations of customers, causing many problems before the customers go.

Under the above-mentioned situation, it often takes a lot of time and energy to exchange foreign currencies before going abroad. Therefore, how to popularize the sales service of foreign currency cash and traveler's checks to more people, while simplifying the procedures and efficiency of exchange procedures, has become a problem to be solved in the field.

In view of the above-mentioned problems and reasons to be solved, this new model has developed a foreign currency purchase and exchange system. For customers who want to exchange foreign currencies, through the technology of foreign currency system integration, online real-time or pre-ordering can achieve simple exchange operations. The above-mentioned customers who want to exchange foreign currencies can choose different currencies and multiple denomination combinations according to their needs. Here, the system provides customers with a one-time identification code for payment and withdrawal. At the same time, the system writes off and allocates funds based on the remitted accounts.

Specifically, the present invention provides a foreign currency purchase and exchange system for the sale of foreign currencies. The above system includes a foreign exchange transaction host and a debit host. The foreign exchange transaction host and the account cancellation host can be any device with computing and software processing functions, such as computers, mobile phones, tablets, etc.

The foreign exchange transaction host includes an intelligent client module and a purchase and exchange processing module. The smart client module is used to (1) receive a foreign currency purchase request from a client operating device and output foreign currency transaction information. (2) Receive foreign currency order information and output the order identification code to the customer operating device. (3) Receive foreign currency withdrawal information and output the withdrawal identification code to the customer's operating device so that the customer can go to the external cash flow device to withdraw and purchase foreign currency. The purchase processing module is used to (1) output transaction order information to an external cash flow device based on foreign currency transaction information, and at the same time return foreign currency order information to the smart client module. (2) Receive transaction completion information, and output foreign currency withdrawal information to the smart client module.

The account cancellation host includes an account cancellation module. After receiving the account cancellation information output by the external cash flow device, the account cancellation module outputs the transaction completion information to the purchase and exchange processing module.

According to an embodiment, the aforementioned foreign currency purchase request includes an arbitrary currency and an arbitrary combination of denominations.

According to another embodiment, the above-mentioned order identification code is an arbitrary combination of numbers or an image code.

According to another embodiment, the above-mentioned withdrawal identification code is an arbitrary combination of numbers or an image code.

In addition to eliminating the cumbersome procedures such as manual filling, actuarial calculations and withdrawals in traditional currency exchange, the new model also allows customers to instantly or book transactions on mobile phones, tablets, computers and other computing-enabled devices anytime and anywhere.

In view of the above-mentioned problems and reasons to be solved, the present invention provides a foreign currency purchase and exchange system. For customers who want to exchange foreign currencies, through the integrated technology of the foreign exchange trading system, they can make real-time or pre-order online and make payments and withdrawals at ATMs and other cash flow devices anytime, anywhere, to achieve simple exchange operations. The above-mentioned customers who want to exchange foreign currencies can choose different currencies and multiple denomination combinations according to their needs. Here, the system provides customers with a one-time identification code for payment and withdrawal. At the same time, the system will write off and issue payments based on the incoming accounts.

In order to explain the implementation of the present invention more clearly, please refer to FIG. 1. FIG. 1 is a schematic structural diagram of a foreign currency purchase and exchange system according to an embodiment of the present invention. The present model provides a foreign currency purchase and exchange system 100 for selling foreign currency. The aforementioned foreign currency purchase and exchange system 100 includes a foreign exchange transaction host 110 and a write-off host 120.

The aforementioned foreign exchange transaction host 110 includes an intelligent client module 112 and a purchase and exchange processing module 114. In addition, the foreign exchange transaction host 110 can be any device capable of computing data and logical judgment, including desktop computers, notebook computers, tablets, and smart phones. After receiving a foreign currency purchase request, the smart client module 112 outputs a foreign currency transaction information; after receiving a foreign currency order information, it outputs an order identification code; after receiving a foreign currency withdrawal information, it outputs a withdrawal identification code. After receiving the foreign currency transaction information, the purchase processing module 114 outputs a transaction order information, and at the same time returns the foreign currency order information to the smart client module 112. In addition, the purchase and exchange processing module 114 will output the foreign currency withdrawal information to the smart client module 112 after receiving a transaction completion information.

The account cancellation host 120 includes an account cancellation module 122, and after receiving an account cancellation information, it outputs the transaction completion information to the purchase and exchange processing module 114. The above-mentioned account write-off host 120 can be any device capable of computing data and logical judgment, including desktop computers, notebook computers, tablets, and smart phones.

According to an embodiment, the above-mentioned order identification code can be any combination of numbers or image codes.

According to another embodiment, the above-mentioned withdrawal identification code can be any combination of numbers or image codes.

The above-mentioned foreign currency purchase and exchange system 100 can cooperate with the customer operation device 140 and the external cash flow device 130, for example, by means of telecommunication connection, the foreign currency purchase and exchange system 100 and the external cash flow device 130 can upload and download the transaction information in real time. And perform the actions of receiving and lending. . According to some embodiments of the present invention, the above-mentioned customer operation device 140 is used to provide a user interface, so that a customer who wants to exchange foreign currency can operate the foreign currency purchase and exchange system 100 through the customer operation device 140. The customer can submit the foreign currency purchase request to the foreign currency purchase and exchange system 100 through the customer operating device 140. Then, after the customer operating device 140 receives the order identification code and withdrawal identification code provided by the foreign currency purchase and exchange system 100, the customer can go to the external cash flow device 130 to pay and withdraw the purchased foreign currency. The aforementioned client operating device 140 can be any device capable of computing data and logical judgment, including desktop computers, notebook computers, tablets, and smart phones. The above-mentioned external cash flow device 130 can be any device that has transaction, cash transfer, and calculation functions, such as an automated teller machine (ATM) or an automatic deposit and withdrawal machine.

Please refer to FIG. 2. FIG. 2 is a flowchart of a foreign currency purchase and exchange method according to an embodiment of the present invention. Please refer to Figure 1 and Figure 2 at the same time.

In step 200, when a customer submits a foreign currency purchase request to the foreign currency purchase and exchange system 100 through the customer operating device 140, the flow of the method starts.

In step 210, the smart customer module 112 outputs the foreign currency transaction information to the purchase and exchange processing module 114 according to the foreign currency purchase request output by the customer operating device 140.

In step 220, the purchase and exchange processing module 114 returns the foreign currency order information to the smart client module 112 according to the foreign currency transaction information, and at the same time outputs the transaction order information to the external cash flow device 130. Then, the smart customer module 112 outputs the order identification code to the customer operating device 140 according to the foreign currency order information.

In step 230, the customer carries the order identification code received from the customer operating device 140 to the external cash flow device 130 to make payment. The external cash flow device 130 can scan or key in to receive the order identification code, then check the transaction order information and the order identification code, and perform payment collection. Then, the external cash flow device 130 outputs the account cancellation information to the account cancellation module 122, so that the account cancellation module 122 outputs transaction completion information to the purchase and exchange processing module 114 according to the account cancellation information.

In step 240, the purchase and exchange processing module 114 outputs foreign currency withdrawal information to the smart client module 112 according to the transaction completion information. Then, the smart customer module 112 outputs the withdrawal identification code to the customer operating device 140 according to the foreign currency withdrawal information.

In step 250, the customer holds the withdrawal identification code received from the customer operating device 140 to the external cash flow device 130 for withdrawal. The external cash flow device 130 may scan or key in to receive the withdrawal identification code. After confirming the payment, provide the foreign currency required by the customer.

In step 260, after the customer withdraws the foreign currency, the process of the foreign currency and travel payment method ends.

Based on the above, this new model not only eliminates the cumbersome procedures such as manual filling, actuarial calculations and withdrawals for traditional currency exchange, but also allows customers to instantly or book on mobile phones, tablets, computers and other computing-enabled devices anytime and anywhere transaction. In addition, the same service can be provided to unfamiliar customers who are not our bank. Compared with the traditional operation procedures, the system provided by this model greatly simplifies the exchange procedures, can increase the possibility of executing transactions with potential customers, and indirectly expand the business field of the bank.

The present invention is disclosed in the preferred embodiments herein, but anyone familiar with the technical field should understand that the above-mentioned embodiments are only used to describe the present invention and are not intended to limit the scope of the patent rights claimed by the present invention. Any changes or substitutions equivalent or equivalent to the above-mentioned embodiments should be interpreted as being covered by the spirit or scope of the present invention. Therefore, the scope of protection of this new model shall be subject to the scope of the following patent applications.

100: Foreign currency purchase and exchange system 110: Foreign exchange trading host 112: Smart Client Module 114: Purchase Processing Module 120: write-off host 122: write-off module 130: External gold flow device 140: Customer operating device 200-260: steps

In order to make the above and other objectives, features, advantages and embodiments of the present invention more comprehensible, the description of the attached drawings is as follows: FIG. 1 is a schematic diagram showing the structure of a foreign currency purchase and exchange system according to an embodiment of the present invention. Fig. 2 is a flowchart of a foreign currency purchase and exchange method according to an embodiment of the present invention.

100: Foreign currency purchase and exchange system

110: Foreign exchange trading host

112: Smart Client Module

114: Purchase Processing Module

120: write-off host

122: write-off module

130: External gold flow device

140: Customer operating device

Claims (4)

A foreign currency purchase and exchange system for selling foreign currencies, including: a foreign exchange transaction host, including: an intelligent client module, after receiving a foreign currency purchase request from a client operating device, outputting a foreign currency transaction information, and receiving a foreign currency order After receiving the information, output an order identification code to the customer operating device, and after receiving a foreign currency withdrawal information, output a withdrawal identification code to the customer operating device, allowing a customer to withdraw the purchased foreign currency from an external cash flow device; and The exchange processing module, after receiving the foreign currency transaction information, outputs a transaction order information to the external cash flow device, and at the same time returns the foreign currency order information to the smart client module, and outputs the foreign currency after receiving a transaction completion information Withdrawal information to the smart customer module; and a debit host, including a debit module, after receiving a debit information output from the external cash flow device, output the transaction completion information to the purchase and redemption processing module. For example, the foreign currency purchase and exchange system described in claim 1, wherein the foreign currency purchase request includes a combination of an arbitrary currency and an arbitrary denomination. For example, the foreign currency purchase and exchange system described in claim 1, wherein the order identification code is an arbitrary combination of numbers or a picture code. Such as the foreign currency purchase and exchange system described in claim 1, wherein the withdrawal identification code is an arbitrary combination of numbers or a picture code.

Images