TWM627181U - Cross-border remittance device, system and cross-border remittance transaction system - Google Patents

Abstract

A Cross-border remittance device includes a login unit, a Real-time exchange rate unit, a real-time exchange rate unit, an amount calculation unit, a withdrawal information processing unit, a barcode generating unit, and a notification unit. The login unit is connected to the remittance terminal mobile device via the network, and logs in the remitter's account based on the remitter's social software account of the remittance terminal mobile device. The real-time exchange rate unit retrieves real-time announcement exchange rates. The amount calculation unit calculates the remittance amount based on the transaction amount sent by the remitter according to the real-time announced exchange rate and handling fee information. The withdrawal information processing unit generates withdrawal information based on the beneficiary information and withdrawal method sent by the remitter. The barcode generating unit generates the remittance barcode information based on the remittance amount, the remitter's account number and the withdrawal information, and transmits the remittance barcode information to the mobile device at the remittance terminal. The notification unit generates a remittance completion notification to the overseas server unit based on the received remittance message returned by the scanning unit scanning the remittance barcode information.

Description

Cross-border remittance device, system and cross-border remittance transaction system

A remittance device and a transaction system, in particular a cross-border remittance device, a system and a cross-border remittance transaction system thereof.

The number of foreign migrant workers in Taiwan has increased. The number of long-term foreign migrant workers in Taiwan has reached 750,000. It is estimated that the annual remittance amount of foreign migrant workers reaches 3 billion US dollars. When migrant workers face remittance needs, they are limited by language and working hours, and some migrant workers do not have bank accounts, so they may not be able to handle remittance operations through banks. Most of these unmet needs flow to underground remittances. However, the underground exchange has the risk of sudden collapse, and often charges high fees and exchange rates.

An embodiment of the present invention provides a cross-border remittance device, which mainly includes a login unit, a real-time exchange rate unit, an amount calculation unit, a withdrawal information processing unit, a barcode generation unit, and a notification unit. The login unit is connected to the mobile device of the remittance end via the network, and logs in the account of the remitter according to the remitter community software account of the mobile device of the remittance end. The real-time exchange rate unit, which retrieves the real-time announcement exchange rate. The amount calculation unit calculates the remittance amount according to the transaction amount sent by the remitter's account and according to the real-time announcement exchange rate and handling fee information sent by the connected real-time exchange rate unit. Withdrawal information processing unit, according to the remitter account registered by the connected login unit The sent payee information and withdrawal method generate withdrawal information. The barcode generating unit generates remittance barcode information according to the remittance amount sent by the connected amount calculation unit, the remitter's account number and the withdrawal information sent by the connected withdrawal information processing unit, and sends the remittance barcode information to the remittance terminal mobile device. The notification unit generates a remittance completion notification to the connected overseas server unit according to the received payment message replied by scanning the remittance barcode information by the scanning unit at the connected convenience store side.

In some embodiments, the notification unit sends a remittance completion notification to the remittance-end mobile device and the payee-end mobile device corresponding to the payee information according to the received payment information.

In some implementations, the cross-border remittance device may further include a barcode generating unit to generate withdrawal barcode information according to the received payment information, and transmit the withdrawal barcode information to the mobile device of the payee side corresponding to the payee information.

In some implementations, the cross-border remittance device may further include a time-limited unit to set the valid time of the remittance barcode information transmitted by the connected barcode generating unit. When the valid time is exceeded, the remittance barcode information becomes invalid, and the scanning unit scans the remittance barcode information. A received message is generated.

In some implementations, the cross-border remittance device may further include a customer service unit, which generates a conversation record by having a conversation with the remitter community software account logged in with the connected login unit.

In some implementations, the cross-border remittance device may further include a virtual account unit, according to which the remittance amount sent by the connected amount calculation unit, the remitter account registered by the connected login unit, and the data sent by the connected withdrawal information processing unit. The withdrawal information generated by the ATM generates virtual account information, and the ATM deposits the remittance amount according to the virtual account information, and the virtual account unit generates a remittance completion notification to the overseas server unit.

In some implementations, the cross-border remittance device may further include a withdrawal information import module, which stores the withdrawal information sent by the connected withdrawal information processing unit, and brings the withdrawal information when the remitter community software account is logged into the remitter account. .

In some embodiments, the cross-border remittance device may further include a mode selection unit and a card reading unit, the mode selection unit has a supermarket remittance mode and an online remittance mode, and the card reading unit receives the financial card information sent by the connected card reading device. , the mode selection unit selects one of the supermarket remittance mode and the online remittance mode according to the selection instruction sent by the connected login unit to log in the remitter account, and when the supermarket remittance mode is selected, the barcode generating unit generates remittance barcode information and transmits it To the mobile device of the remittance end, when the online remittance mode is selected, the card reader unit deducts the remittance amount from an account corresponding to the financial card information according to the financial card information, and the notification unit generates a remittance completion notification to the overseas server unit.

In one embodiment, a cross-border remittance system is provided, which mainly includes the cross-border remittance device and the point-of-sale information device described in any of the foregoing embodiments. The cross-border remittance device generates remittance barcode information by receiving the transaction amount, payee information and withdrawal method sent by the remitter account registered in the remittance terminal mobile device, and transmits the remittance barcode information to the remittance terminal mobile device. The point-of-sale information device, located at the convenience store side, includes a scanning unit that scans the remittance barcode information displayed on the mobile device of the remittance terminal, and after the personnel at the convenience store side receives the cash of the remittance amount, operates the scanning unit to generate a received message and transmits it The received payment information is sent to the notification unit of the connected cross-border remittance device.

In one embodiment, a cross-border remittance transaction system is provided, including the cross-border remittance system and the overseas server unit described in the previous embodiment. Among them, the overseas servo unit, according to the remittance completion notification sent by the notification unit of the cross-border remittance device of the connected cross-border remittance system Generate a withdrawal notice and send the withdrawal notice to the mobile device of the beneficiary end corresponding to the payee information.

In some embodiments, the overseas server unit may include a transfer module, and the transfer module transfers funds to the payee account corresponding to the payee information according to the withdrawal information sent by the withdrawal information processing unit of the connected cross-border remittance device.

To sum up, with the cross-border remittance device, cross-border remittance system and cross-border remittance transaction system created by this creation, local foreign migrant workers (ie remitter) can transfer funds through the social software interface, and at the same time through the social software account bind identity. In addition, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenient supermarkets or cooperative stores, without being restricted by working hours and languages, and provide overseas recipients with a variety of withdrawal methods. /The problem that the withdrawer does not have a bank account.

The detailed features and advantages of the present creation are described in detail below in the embodiments, and the content is sufficient to enable any person skilled in the relevant art to understand the technical content of the present creation and implement accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings The purpose and advantages related to the present creation can be easily understood by anyone skilled in the related art.

1: Cross-border remittance system

10: Cross-border remittance device

101: Login unit

102: Instant exchange rate unit

103: Amount calculation unit

104: Withdrawal information processing unit

105: barcode generation unit

106: Notification Unit

107: Limited Time Unit

108: Customer Service Unit

109: Virtual Account Unit

110: Withdrawal information brought into the unit

111: Mode selection unit

112: Card reader unit

30: Sales timing information device

31: Scanning unit

50: Overseas servo unit

51:Transfer module

2: Remittance terminal mobile device

4: The mobile device of the payment terminal

6: Card reader

1’: Cross-border remittance transaction system

[Figure 1] The block diagram of the cross-border remittance device created by the present invention (1).

[Figure 2] The block diagram (2) of the cross-border remittance device created by the present invention.

[Figure 3] A block diagram of the cross-border remittance system created by this company.

[Figure 4] A block diagram of the cross-border remittance transaction system created by the present.

Specific embodiments are given below to describe the content of the present creation in detail, and the drawings as an aid. For the symbols mentioned in the manual, please refer to the symbol description.

Please refer to FIG. 1 , which is a block diagram (1) of the cross-border remittance device created by the invention. The cross-border remittance device 10 mainly includes a registration unit 101 , a real-time exchange rate unit 102 , an amount calculation unit 103 , a withdrawal information processing unit 104 , a barcode generation unit 105 and a notification unit 106 . Here, the cross-border remittance device 10 can be, for example, a computer host (or a network host).

The login unit 101 is connected to the mobile device 2 of the remittance end via the network, and logs in the account of the remitter according to the remitter community software account of the mobile device 2 of the remittance end. Here, the social software account may be Facebook, Line, IG, Telegram, etc., but not limited to the aforementioned social software.

In some embodiments, both the mobile device 2 on the remittance end and the mobile device 4 on the payee end can be directly or indirectly connected to the cross-border remittance device 10 via the Internet. Therefore, the cross-border remittance device 10 can be respectively connected with the mobile device 2 on the remittance end. , The mobile device 4 of the payment end is connected to transmit data bidirectionally.

In some implementations, further, when the remitter can log in to the remitter community software account on the mobile device 2 of the remittance terminal, and can add friends with the official account, he can use the interface (API) provided by the official account or Chatbots to interact and log in to the sender account.

In some implementations, further, the payee can log in to the payee community software account on the mobile device 4 of the payee end, and can add friends with the official account, and then use the interface (API) provided by the official account. Or interact by means of a chatbot, and receive notification messages (eg, remittance completion notification) sent by the cross-border remittance device 10 .

The real-time exchange rate unit 102 retrieves the real-time announcement exchange rate. Further, that is The real-time exchange rate unit 102 can retrieve the preset real-time announcement exchange rate of the bank at each time point via the Internet. Therefore, the real-time announcement exchange rate will vary with the different retrieval time points.

The amount calculation unit 103 can calculate the remittance amount based on the transaction amount sent by the remitter's account according to the real-time announcement exchange rate and handling fee information sent by the connected real-time exchange rate unit 102 . Here, the transaction amount is the amount set by the remitter, which can be in NTD or foreign currency. For example, the remitter can set the transaction amount as NTD 20,000, or set the transaction amount as VND 4 million. In addition, the recipients are, for example, family members and friends of foreign migrant workers (ie, remitters) in their hometowns (ie, overseas), or online shopping stores.

In some implementations, the remitter can log in to the remitter's account through the remitter's community software account, and can input the transaction amount through the interface (API) provided by the official account, and the mobile device 2 of the remittance terminal sends the transaction amount to the cross-border remittance. device 10.

The amount calculation unit 103 calculates the remittance amount according to the real-time announcement exchange rate and handling fee information for the transaction amount. For example, when the transaction amount is NT$5,000, the amount calculation unit 103 calculates the amount to be paid by the remitter by adding NT$5,000 plus a handling fee of NT$100, and the remittance amount is NT$5,000 after conversion according to the exchange rate. It is VND 4 million; for another example, when the transaction amount is VND 4 million, the amount calculation unit 103 converts the VND 4 million into TWD 5,000 according to the real-time announcement exchange rate, which is TWD 5,000 plus a handling fee of TWD 100 It is the amount that the remitter should pay, and the remittance amount is VND 4 million.

The above description takes the transaction amount plus the handling fee as an example, so the remittance amount is equal to the transaction amount. Another calculation method is to deduct the handling fee from the transaction amount. After deducting the handling fee of NT$100, it is converted into foreign currency according to the exchange rate, so the transaction amount is the exchange rate after deducting the handling fee. payment amount. However, the above description is only an example, and the calculation method of the amount calculation unit 103 can be set according to the actual situation, for example, the handling fee adopts the method of monthly settlement, etc. This creation is not limited to this.

The withdrawal information processing unit 104 generates withdrawal information according to the payee information and the withdrawal method transmitted by the remitter account registered in the connected registration unit 101 . Here, the payee information can include the payee's name, payee's phone number, payee's bank account number, payee's social software account, etc.; Cash to home, etc.

In some implementations, the remitter logs into the remitter account through the remitter community software account, and can input the payee information and the withdrawal method through the interface (API) provided by the official account, and the mobile device 2 of the remittance terminal sends the payment. The person information and the withdrawal method are sent to the cross-border remittance device 10, and the withdrawal information processing unit 104 generates the withdrawal information according to the payee information and the withdrawal method.

The barcode generating unit 105 generates remittance barcode information according to the remittance amount transmitted by the connected amount calculation unit 103, the remitter account number and the withdrawal information transmitted by the connected withdrawal information processing unit 104, and transmits the barcode generating unit 105 to the mobile device of the remittance terminal. 2. Here, the remittance barcode information may include the remittance amount, the remitter's account number and the withdrawal information, but not limited thereto.

In some implementations, the barcode generating unit 105 can transmit the remittance barcode information through the interface (API) provided by the official account and directly display the remittance barcode information on the display screen of the remittance terminal mobile device 2, but this creation is not limited to this. , you can also send remittance barcode information by sending SMS or email.

The notification unit 106 scans according to the connected scanning unit 31 of the convenience store The received payment message returned by the remittance barcode information is traced, and a remittance completion notification is generated to the connected overseas server unit 50 . That is to say, when the remitter goes to the convenience store for remittance, the clerk can use the scanning unit 31 of the point-of-sale information device 30 (such as a scanning device including a camera lens) to scan the remittance barcode information displayed on the mobile device 2 of the remittance terminal. The remittance barcode information is used to receive money. When the payment is completed, the point-of-sale information device 30 or its scanning unit 31 will generate a receipt message, which will be sent to the notification unit 106 via the Internet, and the notification unit 106 will then generate a remittance completion notification to the overseas server. unit 50. Here, the convenience store side may be a convenience store, a grocery store, a supermarket, or a store having a point-of-sale information device 30 (POS).

For another example, the remitter shows the remittance barcode information displayed on the remittance terminal mobile device 2 at the convenience store, and the clerk of the convenience store scans the remittance barcode information with the scanning unit 31 on the convenience store side to know the remittance amount that the remitter should pay. , and after receiving the cash paid by the remitter, scan the remittance barcode information again. At this time, the scanning unit 31 generates a received payment message and transmits the received payment information to the notification unit 106 of the cross-border remittance device 10 . Next, the notification unit 106 generates a remittance completion notification according to the received payment message and transmits it to the overseas server unit 50 .

Here, the overseas server unit 50 is, for example, a computer host of an overseas financial institution, or a third-party payment server host that can execute an electronic payment program, but this creation is not limited thereto. Since the received message includes the payee information and the withdrawal method in the remittance barcode information, the notification unit 106 generates the remittance completion notification according to the received message and also includes the payee information and the withdrawal method. Therefore, the overseas server unit 50 can follow the Payee information and withdrawal method to proceed with the subsequent payment process.

To sum up, the cross-border remittance device 10 of the present creation allows foreign workers to transfer funds through the social software interface. The operation is simple, intuitive, and does not occupy network traffic. At the same time, bind the identity through the social software account. In addition, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenient supermarkets or cooperative stores without being restricted by working hours and languages.

Please refer to FIG. 2 , which is a block schematic diagram (2) of the cross-border remittance device created by the invention. In some embodiments, the notification unit 106 sends a remittance completion notification to the remittance-end mobile device 2 and the payee-end mobile device 4 corresponding to the payee information according to the received payment information. Here, the notification unit 106 can send a short message or send The email can be sent to the mobile device 4 of the payee, or a message can be sent to the payee's social software account registered in the mobile device 4 of the payee, but the above are all examples and not limited thereto. Therefore, after the remitter pays the remittance amount at the convenience store, the remitter and the payee can instantly know that the remittance operation has been completed.

In some implementations, the barcode generating unit 105 generates barcode information for withdrawal according to the received payment information, and transmits the barcode information for withdrawal to the mobile device 4 of the payee side corresponding to the payee information. That is to say, after the remitter pays the remittance amount at the convenience store, the scanning unit 31 scans the remittance barcode information to generate a receipt message. Since the remittance barcode information includes the payee information and the withdrawal method, if the withdrawal information is the base withdrawal In this way, the barcode generating unit 105 generates the barcode information for withdrawal according to the received payment information, and transmits the barcode information to the mobile device 4 at the receiving end that transmits the barcode information for the payment to the corresponding payee information, and the payee can present the barcode information for the withdrawal at the local financial base. To withdraw money, the local financial base can pay the payee after scanning the withdrawal barcode information.

Referring to FIG. 2 again, in some embodiments, the cross-border remittance device 10 may further include a time-limiting unit 107 for setting the valid time of the remittance barcode information transmitted by the connected barcode generating unit 105, and remittance when the valid time is exceeded The barcode information is invalid. When the remittance barcode information is invalid, the scanning unit 31 has no response when scanning the remittance barcode information, so no received payment will be generated. message. That is to say, since the remittance barcode information includes the remittance amount, it is avoided that the exchange rate fluctuates greatly due to a long time, making the remittance amount insufficient to pay the transaction amount and handling fee. The remittance amount paid by the remitter is received, and the scanning unit 31 scans the remittance barcode information to generate the received message. Generally speaking, the valid time of remittance barcode information can be set from 10 minutes to 30 minutes, but it can also be set according to actual needs.

Referring to FIG. 2 again, in some implementations, the cross-border remittance device 10 may further include a customer service unit 108 for chatting with the remitter community software account logged in with the connected login unit 101 to generate a conversation record. In some embodiments, the customer service unit 108 can communicate with the remitter community software account through the official account, and the conversation record between the two can be stored in the storage module of the cross-border remittance device 10 in the form of text or in the form of screenshots. . In some embodiments, the remittance records performed by the remitter's account can also be stored in the storage module of the cross-border remittance device 10 .

Referring again to FIG. 2 , in some embodiments, the cross-border remittance device 10 may further include a virtual account unit 109 , according to the remittance amount sent by the connected amount calculation unit 103 and the remittance registered by the connected login unit 101 . The virtual account information is generated by the personal account number and the withdrawal information sent by the connected withdrawal information processing unit 104. After the automatic teller machine (ATM) deposits the remittance amount according to the virtual account information, the virtual account unit 109 generates a remittance completion notification to the overseas server unit 50. . In other words, the cross-border remittance device 10 generates virtual account information according to the remittance amount, the remitter's account number and the withdrawal information, and transmits the virtual account information to the mobile device 2 of the remittance terminal, and the remitter can deposit the remittance amount according to the virtual account information. The account unit 109 generates a remittance completion notification to the overseas server unit 50 . Then, outside The servo unit 50 can perform subsequent payment procedures according to the payee information and the withdrawal method. The overseas servo unit 50 is as described above, so it is not repeated here.

Referring again to FIG. 2 , in some embodiments, the cross-border remittance device 10 may further include a withdrawal information importing unit 110 , where the withdrawal information importing unit 110 stores the data sent by the connected withdrawal information processing unit 104 Withdrawal information, the withdrawal information can be automatically imported after logging in to the remitter's account in the remitter's social software account. That is to say, after the remitter enters the payee information and the withdrawal method through the interface (API) provided by the official account, the withdrawal information processing unit 104 generates withdrawal information, and the withdrawal information importing unit 110 can store the withdrawal information, and the next time When the remitter logs in to the remitter's account, the withdrawal information is automatically brought in.

Referring to FIG. 2 again, in some embodiments, the cross-border remittance device 10 may further include a mode selection unit 111 and a card reading unit 112 .

The mode selection unit 111 has a supermarket remittance mode and an online remittance mode. Here, the mode selection unit 111 can select one of the supermarket remittance mode and the online remittance mode according to the selection instruction sent by the connected login unit 101 to log in the remitter account. By. That is to say, the remitter can choose the supermarket remittance mode or the online remittance mode through the interface (API) provided by the official account.

The card-reading unit 112 receives the financial card information transmitted by the connected card-reading device 6. In some embodiments, the card-reading device 6 can be directly or indirectly connected to the cross-border remittance device 10 via the Internet. The remittance device 10 can be connected with the card reading device 6 to transmit data in both directions. Here, the card reader 6 can be, for example, a card reader connected to the mobile device 2 of the remittance terminal, a card reader connected to the remitter's computer, an automatic teller machine (ATM), or a hypermarket multimedia service machine ( KIOSK) etc. can be used to read financial cards to get The financial card information can be obtained, but the card reading device 6 is not limited to the foregoing examples.

When the remitter selects the supermarket remittance mode, the barcode generating unit 105 generates remittance barcode information and transmits it to the mobile device 2 of the remittance terminal. In this way, when the remitter goes to the convenience store for remittance, he presents the remittance barcode information displayed on the mobile device 2 of the remittance terminal, and the clerk can use the scanning unit 31 of the point-of-sale information device 30 to scan the remittance barcode information to receive the payment, as described above, No more elaboration here.

When the remitter selects the online remittance mode, the financial card is inserted into the card reading device 6 . The card reading unit 112 receives the financial card information sent by the card reading device 6 and deducts the remittance amount from the account corresponding to the financial card information. At this time, the notification unit 106 generates a remittance completion notification to the overseas server unit 50 . Therefore, the remitter can choose one of the supermarket remittance mode and the online remittance mode, which greatly improves the convenience of remittance.

Please refer to FIG. 2 and FIG. 3 . FIG. 3 is a block diagram of the cross-border remittance system created by the invention. Here, the cross-border remittance system 1 mainly includes the cross-border remittance device 10 and the point-of-sale information device 30 as described in any of the aforementioned embodiments.

The cross-border remittance device 10 generates remittance barcode information by receiving the transaction amount, payee information and withdrawal method sent by the remitter account registered in the remittance terminal mobile device 2 , and transmits the remittance barcode information to the remittance terminal mobile device 2 . The cross-border remittance device 10 is as described above, so it will not be repeated here.

The point-of-sale information device 30 is located on the side of the convenience store. Here, the point-of-sale information device 30 may include a scanning unit 31, and the scanning unit 31 scans the remittance barcode information displayed on the mobile device 2 of the remittance terminal, and operates the point-of-sale information after the staff at the convenience store collects the cash of the remittance amount. The device 30 or its scanning unit 31 can generate a received payment message, and Send a received message to the notification unit 106 of the connected cross-border remittance device 10 . Here, the scanning unit 31 , the cross-border remittance device 10 and the notification unit 106 are as described above, so they will not be repeated here.

Please refer to FIG. 2 and FIG. 4 . FIG. 4 is a schematic block diagram of a cross-border remittance transaction system created by the invention. Here, the cross-border remittance transaction system 1 ′ mainly includes the aforementioned cross-border remittance system 1 and the overseas server unit 50 , and the overseas server unit 50 can be based on the connected cross-border remittance device 10 of the cross-border remittance system 1 . The notification unit 106 of the notification unit 106 transmits the remittance completion notification to generate a withdrawal notification, and transmits the withdrawal notification to the mobile device 4 of the beneficiary end corresponding to the payee information.

As mentioned above, the overseas server unit 50 is, for example, a computer host of an overseas financial institution, or a third-party payment server host that can execute an electronic payment program. Therefore, after the local cross-border remittance device 10 sends a remittance completion notification to the mobile device 4 of the beneficiary end and the overseas server unit 50, the overseas server unit 50 can send a withdrawal notification to the corresponding payee information (for example, the payee is a foreign mobile phone). family of workers in their hometown) mobile device 4 at the receiving end.

Referring to FIG. 2 and FIG. 4 again, the overseas server unit 50 may further include a transfer module 51 , wherein the transfer module 51 can be based on the withdrawal information transmitted by the withdrawal information processing unit 104 of the connected cross-border remittance device 10 Transfer money to the beneficiary account corresponding to the beneficiary information. In other words, after the notification unit 106 generates a remittance completion notification (including the payee information and the withdrawal method obtained through the remittance barcode information) according to the received payment message generated by the scanning unit 31, and sends it to the overseas server unit 50, the overseas server unit 50 The transfer module 51 of , transfers funds to the payee account corresponding to the payee information according to the withdrawal information (payee information and withdrawal method).

In addition, the aforementioned units (including but not limited to the login unit 101, the real-time exchange rate unit 102, the amount calculation unit 103, the withdrawal information processing unit 104, the barcode generator generation unit 105, notification unit 106, time-limiting unit 107, customer service unit 108, virtual account unit 109, withdrawal information bringing unit 110, scanning unit 31, overseas server unit 50, etc.), various modules (including but not limited to transfer modules 51, etc.) can be implemented by hardware such as an arithmetic processor, or by a separate computer device running related software, or by one or more computer devices running related software or the like.

To sum up, with the cross-border remittance device 10 , the cross-border remittance system 1 and the cross-border remittance transaction system 1 ′ of the present creation, local foreign workers can transfer funds through the social software interface, and at the same time, they can bind their accounts through the social software. identify. In addition, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenient supermarkets or cooperative stores, without being restricted by working hours and languages, and provide overseas recipients with a variety of withdrawal methods. /The problem that the withdrawer does not have a bank account.

Through the above detailed description, it can be fully demonstrated that the purpose and effect of this creation are progressive in implementation, have great industrial utility value, and are a new type of creation that has never been seen on the market at present, which fully complies with the requirements of the patent. Apply according to law. Only the above descriptions are only preferred embodiments of the present creation, and should not be used to limit the scope of implementation of the present creation. That is to say, all the equivalent changes and modifications made according to the scope of this invention patent shall fall within the scope of this invention patent. I would like to ask your reviewers to make clear inspections and pray for their approval.

10: Cross-border remittance device

101: Login unit

102: Instant exchange rate unit

103: Amount calculation unit

104: Withdrawal information processing unit

105: barcode generation unit

106: Notification Unit

31: Scanning unit

50: Overseas servo unit

2: Remittance terminal mobile device

Claims (11)

A cross-border remittance device, comprising: a login unit connected to a remittance terminal mobile device via a network, logging in a remitter account according to a remitter community software account of the remittance terminal mobile device; a real-time exchange rate unit to retrieve a real-time announcement exchange rate; an amount calculation unit that calculates a remittance amount according to a transaction amount sent by the remitter account according to the real-time announcement exchange rate and a handling fee information sent by the connected real-time exchange rate unit; a withdrawal information processing unit , generate a withdrawal information according to a payee information and a withdrawal method sent by the remitter account registered by the connected login unit; The amount, the remitter account number and the withdrawal information transmitted by the connected withdrawal information processing unit generate a remittance barcode information, and transmit the remittance barcode information to the remittance terminal mobile device; and a notification unit, according to the connected convenience store A scanning unit on the terminal scans the received message returned by the remittance barcode information, and generates a remittance completion notification to a connected overseas server unit. The cross-border remittance device of claim 1, wherein the notification unit transmits the remittance completion notification to the remittance mobile device and a payee mobile device corresponding to the payee information according to the received payment message. The cross-border remittance device as claimed in claim 1, wherein the barcode generating unit generates a withdrawal barcode information according to the received payment information, and transmits the withdrawal barcode information to a mobile device corresponding to the payee information. The cross-border remittance device according to claim 1, further comprising a time-limiting unit for setting an effective time of the remittance barcode information transmitted by the connected barcode generating unit, and the remittance barcode information becomes invalid when the expiration time exceeds the valid time, The scanning unit scans the remittance barcode information and does not generate the received payment message. The cross-border remittance device as claimed in claim 1, further comprising a customer service unit that generates a conversation record by interacting with the remitter community software account logged in by the connected login unit. The cross-border remittance device according to claim 1, further comprising a virtual account unit, the remittance amount transmitted by the connected amount calculation unit, the remitter account registered by the connected login unit, and the connected The withdrawal information transmitted by the withdrawal information processing unit generates a virtual account information, the remittance amount is deposited in an ATM according to the virtual account information, and the virtual account unit generates the remittance completion notification to the overseas server unit. The cross-border remittance device according to claim 1, further comprising a withdrawal information importing unit for storing the withdrawal information transmitted by the connected withdrawal information processing unit, and logging in the remitter account in the remitter community software account bring the withdrawal information. The cross-border remittance device according to claim 1, further comprising a mode selection unit and a card reading unit, the mode selection unit has a supermarket remittance mode and an online remittance mode, and the card reading unit receives the connected one A financial card information sent by the card device, the mode selection unit selects one of the supermarket remittance mode and the online remittance mode according to a selection command sent by the connected login unit to log in the remitter account, and then select In the supermarket remittance mode, the barcode generating unit generates the remittance barcode information and transmits it to the remittance terminal In the mobile device, when the online remittance mode is selected, the card reader unit deducts the remittance amount from an account corresponding to the financial card information according to the financial card information, and the notification unit generates the remittance completion notification to the overseas server unit. A cross-border remittance system, comprising: a cross-border remittance device as described in any one of request items 1 to 8, receiving the transaction amount and the payee information transmitted by the remitter account registered by the remittance terminal mobile device and the withdrawal method to generate the remittance barcode information, and transmit the remittance barcode information to the remittance terminal mobile device; a point-of-sale information device, located at the convenience store side, includes the scanning unit to scan the remittance terminal mobile device. Remittance barcode information, after the staff of the convenience store receives the cash of the remittance amount, operates the scanning unit to generate the received message, and transmits the received message to the notification unit of the connected cross-border remittance device . A cross-border remittance transaction system, comprising: a cross-border remittance system as described in claim 9; and an overseas servo unit, according to the connected cross-border remittance system of the cross-border remittance device The notification unit sent The remittance completion notice generates a withdrawal notice, and transmits the withdrawal notice to a mobile device of the beneficiary end corresponding to the payee information. According to the cross-border remittance transaction system of claim 10, the overseas server unit includes a transfer module, and the transfer module transfers funds to A beneficiary account number corresponding to the beneficiary information.

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