TWI656495B - Notification system and notification method for currency exchange - Google Patents

Abstract

The disclosure provides a exchange notification system and a exchange notification method. The exchange notification system has a communication unit, a storage unit, and a processing unit. The communication unit receives the transaction information. The storage unit stores a plurality of historical transaction information. When the communication unit receives the transaction information, the processing unit stores the transaction information as one of the historical transaction information in the storage unit. The processing unit also automatically generates a notification rule associated with the transaction date or the transaction exchange rate based on at least one transaction property in the historical transaction information. The processing unit further determines whether the current date or the current exchange rate meets the notification rule. If the current date or the current exchange rate meets the notification rule, the communication unit is instructed to send a reminder notification according to the customer information of the transaction information.

Description

Exchange notification system and exchange notification method

The disclosure relates to a financial information processing technology, and in particular to a foreign exchange notification system and a foreign exchange notification method.

With the development of transportation and the spread of information dissemination, international interactions such as trade, transportation, and tourism have become daily life. Among them, the flow of gold flow is an indispensable part. At the same time, how to assist customers in the management of exchanges has become an issue faced by those skilled in the art.

The disclosure provides a foreign exchange notification system and a foreign exchange notification method for providing a reminder notification by the customer's historical transaction information, thereby providing a management prompt for the foreign exchange.

The exchange notification system of the present disclosure has a communication unit, a storage unit, and a processing unit. The communication unit receives the transaction information. The storage unit stores a plurality of historical transaction information. Each historical transaction information includes customer information, transaction nature, transaction date, and transaction rate. The processing unit is connected to the communication unit and the storage unit. When the communication unit receives the transaction information, the processing unit stores the transaction information as one of the historical transaction information in the storage unit. The processing unit also automatically generates a notification rule associated with the transaction date or the transaction exchange rate based on at least one transaction property in the historical transaction information. The processing unit further determines whether the current date or the current exchange rate meets the notification rule. If the current date or the current exchange rate meets the notification rule, the communication unit is instructed to send a reminder notification according to the customer information of the transaction information.

The exchange notification method of the present disclosure has the steps of: receiving transaction information; storing the transaction information as historical transaction information, wherein the historical transaction information includes customer information of the transaction information, transaction nature, transaction date, and transaction exchange rate; according to the nature of the transaction in the historical transaction information , automatically generate a notification rule associated with the transaction date or the transaction exchange rate; and determine whether the current date or the current exchange rate meets the notification rule, and if the current date or the current exchange rate meets the notification rule, the reminder notification is sent according to the customer information of the transaction information.

Based on the above, the present disclosure provides a exchange notification system and a exchange notification method. The exchange notice notification system and the exchange notice notification method issue a reminder notification to the customer when judging that the notification rule is met. In this way, the exchange notification system and the exchange notification method provide management tips to the customer to assist the customer in managing the exchange rate.

The above described features and advantages of the invention will be apparent from the following description.

The exchange notification notification system provided by the disclosure is used to issue a reminder notification to prompt the user to exchange money. In an embodiment of the disclosure, the exchange notification system can be integrated with the transaction system into a transaction system having exchange notifications. In other embodiments of the present disclosure, the transaction system and the exchange notification system may be two different systems. When the transaction is completed, the transaction system transmits the transaction information to the exchange notification system for storage and management. Alternatively, the exchange notification system can operate independently and save and manage the transaction information by receiving transaction information manually entered by the counter staff. This disclosure does not limit the independence of the exchange notification system.

FIG. 1 is a block diagram of a change notification system according to an embodiment of the present disclosure. Referring to FIG. 1 , the exchange notification system 100 provided by the present disclosure has a communication unit 110 , a storage unit 120 , and a processing unit 130 . The communication unit 110 is configured to transmit and receive transaction information of the user. For example, in an embodiment of the disclosure, the communication unit 110 is implemented by using a communication chip, which can support Global System for Mobile communication (GSM), personal hand-held telephone system (Personal Handy- Phone System, PHS), Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, global interoperable microwave A component of a Worldwide Interoperability for Microwave Access (WiMAX) system, a Wireless Fidelity (Wi-Fi) system, or a Bluetooth signal transmission.

The storage unit 120 is configured to store software, data, and various types of code required to run the exchange notification system 100. The storage unit 120 can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk. (Hard Disk Drive, HDD), Solid State Drive (SSD) or the like or a combination of the above.

The processing unit 130 is connected to the communication unit 110 and the storage unit 120. The processing unit 130 can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), programmable The controller, the Application Specific Integrated Circuit (ASIC) or the like or a combination of the above elements, the disclosure is not limited thereto.

In order to assist the client in managing the exchange, the processing unit 130 records the transaction information received by the communication unit 110 in the storage unit 120 to form a plurality of historical transaction information, and generates a notification rule by using the historical transaction information, thereby sending a reminder. Notice.

Specifically, the transaction information has at least customer information, transaction nature, transaction date, and transaction rate. The customer information is, for example, the customer's identity card number, bank account number, etc., to correspond to the customer's personal identity. In addition, in order to send a notification, in the disclosure, the customer information has more contact information, such as the customer's mobile phone number, email address or a bound mobile device code (for example, a mobile device bound in the application) Code, Device ID), is not limited to this.

The nature of the transaction records the purpose of the transaction. The exchange notification system 100 can generate a notification rule based on the regularity of the nature of the transaction. Specifically, the types of transactions are as follows: structured foreign exchange is only used as external deposits, repatriation, personal insurance expenses, property insurance expenses, personal insurance claims, property insurance claims, business expenses, tourism expenses, family visit expenses, and study abroad. Expenditure, credit card expenditure, cultural and leisure expenditure, trade and agency expenses, use of intellectual property expenditure, computer and information expenditure, professional and technical affairs expenditure, audiovisual expenditure, external equity investment, foreign loan expenditure, deposit of foreign banks, Remittance expenses, immigration expenses, return of export goods, sample expenses, return of export goods, etc.

The nature of these transactions is mostly accompanied by regularity, especially the nature of transactions has the regularity of time and the regularity of exchange rates. Examples of the nature of transactions are time-regular, such as the nature of transactions: life insurance expenses, property insurance expenses, life insurance claims expenses, property insurance claims expenses, business expenses, tourism expenses, family visit expenses, study abroad expenses, etc., but not limit.

For example, when the nature of the transaction is life insurance or property insurance, since the general insurance transaction is paid periodically in the form of monthly payment, quarterly payment or annual payment, the transaction amount will occur at a specific time each year. Or, the nature of the transaction is tourism expenditure, family visit expenses, etc. The time points at which the transaction may occur are, for example, winter and summer vacations, and annual large-scale festivals (such as: Chinese New Year, Christmas, New Year, etc.). If the nature of the transaction is the cost of studying abroad, this type of transaction may occur in September and October of each year.

Examples of the nature of transactions with exchange rate regularity, such as cultural and leisure expenditures, trade and agency fees, use of intellectual property expenditures, computer and information expenditures, professional and technical affairs expenditures, audiovisual expenditures, external equity investments, external loan expenditures, storage Foreign banks, export refunds, sample fees, and export payments are returned, but not limited to this. Taking the nature of transactions as an example of business expenditure, under the principle of cost control, customers generally buy foreign exchange in large quantities when the exchange rate is low. Due to the large number of types of transactions, this is not repeated here. How to generate notification rules based on the nature of the transaction will be introduced later.

The transaction date and the exchange rate are the date on which the transaction occurred and the customer's purchase or sale of foreign currency at the exchange rate. The transaction habits of the user are obtained by recording the transaction date and the transaction exchange rate. In other embodiments of the present disclosure, the transaction information simultaneously records the total amount of the transaction, the payee information, and the like. The actual content of the transaction information will be adjusted according to the actual design and implementation, and there is no restriction on this.

For ease of understanding, the exchange notification method of an embodiment of the present disclosure will be described below with reference to FIG. Please refer to FIG. 1 and FIG. 2 simultaneously. FIG. 2 is a flowchart of a method for notification of exchange change according to an embodiment of the present disclosure.

In the embodiment of the present disclosure, the exchange notification system 100 receives transaction information through the communication unit 110. And when the communication unit 110 receives the transaction information, the transaction information is transmitted to the processing unit 130 for processing.

In step S210, when the processing unit 130 receives the transaction information, the processing unit 130 stores the transaction information of the storage client in the storage unit 120 to form historical transaction information. It should be noted that, as mentioned above, the disclosure does not limit the independence of the exchange notification system 100, so the source of the transaction information may vary depending on the system design. For example, when the exchange notification system 100 is an independently existing system, the exchange notification system 100 can be connected through a physical input component (eg, a mouse, a keyboard) or a personal computer serially connected to the exchange notification system 100. Thereby receiving the transaction information input by the user. In other embodiments, the exchange notification system 100 will be in tandem with the transaction system and receive transaction information transmitted by the transaction system. The disclosure is not limited thereto.

At step S220, the processing unit 130 generates a notification rule associated with the transaction date or the transaction exchange rate based on the nature of the transaction in the historical transaction information. After the processing unit 130 generates the notification rule, the notification rule is stored in the storage unit 120. Specifically, as mentioned above, the nature of the transaction is mostly accompanied by regularity, and these regularities are mostly related to the exchange rate or time. Based on this, in the notification rule generated by the processing unit 130, it is related to the transaction date or the transaction exchange rate. Details of the processing unit 130 specifically generating the notification rule will be described later.

In step S230, the processing unit 130 determines whether the current date or the current exchange rate meets the notification rule. Specifically, the current date and the current exchange rate are the date when the processing unit 130 performs the step S230 and the exchange rate. The processing unit 130 reads the notification rule of the customer, and determines whether the current date or the current exchange rate complies with the notification rule. It should be noted that, in order to reduce the workload of the processing unit 130, the processing unit 130 may read the notification rule in the storage unit 120 after generating the notification rule. If the notification rule in the storage unit 120 does not include the notification rule generated by the processing unit 130, the processing unit 130 stores the notification rule in the storage unit 120. However, once the customer's notification rule already exists in the storage unit 120, the processing unit 130 may associate the notification rule that the storage unit 120 has stored to the client. And when the processing unit 130 determines that the current date or the current exchange rate meets the notification rule, the processing unit 130 can simultaneously send the reminder notification to all the clients associated with the notification rule, thereby reducing the load amount when the processing unit 130 performs the determination, and The data storage amount of the storage unit 120 is reduced.

If the current date or the current exchange rate meets the notification rule, the processing unit 130 sends a reminder notification according to the customer information in step S240. Here, the processing unit 130 sends a reminder notification according to the contact information of the customer information. For example, when the contact information is the customer's mobile number, the exchange notification system 100 sends a short message to the customer's mobile number. When the contact information is the customer's email address, the exchange notification system 100 sends an email to the customer's email address. When the contact information is a mobile device code bound by the client, the exchange notification system 100 pushes the message to the client's mobile device. In an embodiment of the present disclosure, when the contact information has a plurality of different contact modes, the exchange notification system 100 can adopt a preset sequence, for example, using a mobile device code and an email address as the main information transmission manner. The mobile phone number is supplemented to save notice costs.

The method by which processing unit 130 generates a notification rule will be described below by embodiments of different transactional nature. It should be noted that, due to the variety of nature of the transaction, the following is only a part of the embodiments, and the scope of the disclosure is not limited by the embodiments. In addition, since the content of the notification rule will be adjusted according to the actual situation, the following notification rules are only for the purpose of illustration. Any modification is permitted without departing from the spirit of this disclosure.

First of all, here is an example of when the nature of the transaction has time regularity. When the nature of the transaction has time regularity, the notification rule is, for example, if the current date is an annual holiday, the reminder notification is sent according to the customer information of the transaction information, or when the current date corresponds to the transaction date, the customer information according to the transaction information Send this reminder notification.

For example, when the nature of the transaction is life insurance or property insurance, the transaction may recur at a fixed time. Therefore, in step S220, the notification rule generated by the processing unit 130 is, for example, that the customer is notified in the previous month that is the same as the transaction date (the same reference as the annual month and day as the judgment date). For example, if the transaction date is January 24, 2018, the default rule is to send a reminder notice on December 24 of each year. Thereby, at the time of December 24 of each year, the processing unit 130 determines that the current date conforms to the preset rule, and thus sends a reminder notification to the client. In this way, customers can be informed that the exchange time is coming soon, and they can continue to pay attention to the exchange rate changes during this month.

In addition, the processing unit 130 may further integrate the notification rules of the same customer, for example, analyze the transaction type as the same type of transaction, and generate a notification rule accordingly. For example, the processing unit 130 may further analyze historical transaction information corresponding to the same customer and whose transaction nature is life insurance or property expenditure, and find out that the customer conducts the type of transaction every season, so the notification rule is integrated and adjusted to The customer is notified one month before each season corresponding to the transaction date (based on the same month and day as the judgment date). Based on the above examples, the preset rules can be adjusted to send reminders on March 24th, June 24th, September 24th, and December 24th each year.

In another example, when the nature of the transaction is a tourism expenditure or a family visit, this type of transaction may occur repeatedly at a particular point in time, for example, on a large holiday each year or a fixed date each year. Therefore, in step S220, the notification rule generated by the processing unit 130 is, for example, that the current date is a reminder notification to the client one month before each type of large holiday. In step S230, if the processing unit 130 determines that the current date is, for example, November 25, Christmas Eve, the processing unit 130 determines that the current exchange rate conforms to the preset rule, and thus instructs the communication unit to send a reminder notification to the client.

In this embodiment, if the processing unit 130 wants to reconcile the notification rules of the customer, the processing unit 130 may analyze all the tourism expenditures or the relatives' expenditures in the historical transaction information of the same customer, for example, when the processing unit 130 finds that the customer is only in the If this type of transaction is generated before Christmas and during the Dragon Boat Festival, the processing unit 130 may further adjust to send a reminder notification to the customer only one month before Christmas and the Dragon Boat Festival.

An example of the nature of the transaction with exchange rate regularity is as follows. When the nature of the transaction has the regularity of the exchange rate, the notification rule is, for example, if the processing unit determines that the current exchange rate is the lowest/highest in the preset period, instructing the communication unit to send a reminder notification to the customer, or if the processing unit determines the current exchange rate The price is lower/higher than the transaction exchange rate, instructing the communication unit to send a reminder notification to the customer.

When the nature of the transaction is business expenditure, the transaction may occur frequently, or when the exchange rate is low, the foreign currency is bought in large quantities. Therefore, in step S220, the notification rule generated by the processing unit 130 is, for example, if the current exchange rate of the exchange rate is the lowest within 30 days, or when the current exchange rate is lower than the transaction rate, the communication unit is instructed to send a reminder notification to the client. In this case, the preset period is 30 days. However, this disclosure is not limited to this. The length of the preset period can be adjusted according to actual needs. In step S230, if the processing unit 130 determines that the current exchange rate is within 30 days of pushing forward, the lowest exchange rate, or the current exchange rate is lower than the transaction exchange rate in the historical transaction information, the processing unit 130 determines that the current exchange rate meets the preset. The rule, thus instructing the communication unit to send a reminder notification to the customer.

In this embodiment, if the processing unit 130 wants to reconcile the notification rules of the customer, it may analyze all the transaction exchange rates in the historical transaction information corresponding to the same customer, for example, perform regression analysis on the transaction exchange rate to find the customer's transaction price. Trends and standards to adjust the notification rules.

In other embodiments of the present disclosure, the processing unit 130 can more flexibly apply a machine learning algorithm, for example, by supporting a vector machine, a decision tree, a neural network, etc., for long-term transaction information (including the transaction amount, The transaction date is analyzed to obtain the habit of the user to exchange foreign exchange, and the corresponding notification rule is generated based on the habit of the user to exchange money. For example, the processing unit 130 can discover, by means of a machine learning algorithm, that the user will conduct a transaction of a large amount of money every two years on March 24 and June 24, whereby the processing unit 130 The notification rules can be adjusted based on the information obtained by the machine learning algorithm.

Or, although the nature of the transaction that the customer often conducts transactions is tourism expenditure, after the analysis by the processing unit 130, it is found that the customer's main habit of exchange of money still tends to exchange money when the exchange rate is low. At this time, the processing unit 130 may further generate a corresponding notification rule according to the transaction exchange rate.

In addition, the processing unit 130 can also analyze the same customer through the machine learning algorithm and the transaction type is the payment of the payment for the goods and the payment of the payment, so as to assist the customer in analyzing the low season of the company's operation. For example, after analyzing, the processing unit 130 finds that the payment for the goods from September to December is particularly large, and thus adjusts the notification rule to send a reminder notification to the customer every August.

Alternatively, the processing unit 130 may further analyze the manner in which the machine learning algorithm and the big data are applied to determine the situation under which the entire environment may have a foreign exchange requirement and notify the customer in advance. For example, by analyzing the big data, the processing unit 130 can know that there will be a large amount of exchange demand after each presidential election. Thus, the notification rule generated by the processing unit 130 is, for example, to send a reminder notification to all customers one month before the presidential election.

In addition, in other embodiments of the disclosure, the notification rule may also be a rule related to both the transaction date and the transaction exchange rate. For example, if the transaction type is the payment for the payment, the processing unit 130 determines that the customer has the demand for the payment of the payment, and the analysis finds that the payment for the payment is particularly large from nine to December each year. Since the exchange amount of the payment requirement is large, the processing unit 130 can set the notification rule to send the reminder notification to the customer when the current exchange rate is the lowest exchange rate within 30 days, and the current date is from seven to December each year.

It is worth mentioning that in the disclosed foreign exchange notification system 100, the customer's overseas credit card or overseas withdrawal record can also be included in the transaction information. In the actual situation, for certain specific expenses or consideration of card discounts, customers will tend to use the card to make payments. Therefore, through the in-line card swipe system and the inclusion of customers' overseas credit card or overseas withdrawal records into the transaction information, users can be more fully assisted in foreign exchange management.

In summary, the disclosure provides a exchange notification system and a exchange notification method. Through the customer historical transaction information, the exchange notification system can automatically generate corresponding notification rules through the nature of the transaction. And when the notification rules are met, a reminder notification is sent to the customer. In this way, the exchange notification system and the exchange notification method provide management tips to the customer to assist the customer in managing the exchange rate, thereby optimizing the customer experience and thereby enhancing the customer's adhesion.

110‧‧‧Communication unit

120‧‧‧ storage unit

130‧‧‧Processing unit

Steps for the S210~S240‧‧‧ exchange notification method

FIG. 1 is a block diagram of a change notification system according to an embodiment of the present disclosure. 2 is a flow chart of a method for changing a notification of an exchange according to an embodiment of the present disclosure.

Claims (10)

A exchange notification notification system includes: a communication unit that receives transaction information; a storage unit that stores a plurality of historical transaction information, wherein each of the historical transaction information includes customer information, transaction nature, transaction date, and transaction exchange rate; and a processing unit. Connecting to the communication unit and the storage unit, when the communication unit receives the transaction information, the processing unit stores the transaction information as one of the historical transaction information in the storage unit, wherein the processing unit is further configured The nature of the transaction in at least one of the historical transaction information automatically generates a notification rule associated with the transaction date or the exchange rate of the transaction, wherein the processing unit further determines whether the current date or the current exchange rate meets the notification rule, if the current date or The current exchange rate complies with the notification rule, and instructs the communication unit to send a reminder notification according to the customer information of the transaction information. The exchange notification notification system of claim 1, wherein when the at least one transaction property of the historical transaction information has time regularity, the notification rule at least includes: when the processing unit determines that the current date is During the annual holiday, the communication unit is instructed to send the reminder notification according to the customer information of the transaction information; or when the processing unit determines that the current date corresponds to the transaction date, the client indicating the communication unit according to the transaction information The message sends the reminder notification. The foreign exchange notification system of claim 1, wherein when at least one of the historical transaction information has the nature of the exchange rate, the notification rule includes at least: if the processing unit determines the current exchange rate The price is the lowest or highest in the preset period, indicating that the communication unit sends the reminder notification according to the customer information of the transaction information; or if the processing unit determines that the current exchange rate is lower than the historical transaction information. A transaction rate of the transaction indicating that the communication unit sends the reminder notification according to the customer information of the transaction information. The exchange notification notification system of claim 1, wherein the processing unit further determines whether the notification rule exists in the storage unit, and if the notification rule exists in the storage unit, the processing unit associates the notification rule To the customer information, if the notification rule does not exist in the storage unit, the processing unit stores the notification rule in the storage unit. The foreign exchange notification system of claim 1, wherein the processing unit acquires and generates the transaction information according to a record of overseas credit card or overseas withdrawal. A exchange notification method for a foreign exchange notification system, the exchange notification notification system comprising a communication unit, a storage unit and a processing unit, the method comprising: receiving transaction information by the communication unit; storing the transaction information by the storage unit Information for historical transactions, where the historical transaction information includes customer information, transaction nature, and trading day of the transaction information. Period and transaction exchange rate; by the processing unit, according to the nature of the transaction in the historical transaction information, generating a notification rule associated with the transaction date or the exchange rate of the transaction; and determining, by the processing unit, whether the current date or the current exchange rate meets the The notification rule, if the current date or the current exchange rate meets the notification rule, the communication unit sends a reminder notification according to the customer information of the transaction information. The method for changing the exchange rate as described in claim 6 , wherein when the at least one of the transaction properties of the historical transaction information has a time regularity, the notification rule includes at least: when the current date is an annual holiday, Sending the reminder notification according to the customer information of the transaction information; or when the current date corresponds to the transaction date, sending the reminder notification according to the customer information of the transaction information. The method for changing the exchange rate as described in claim 6 , wherein when the at least one transaction property of the historical transaction information has exchange rate regularity, the notification rule includes at least: if the current exchange rate is preset The minimum of the period, the reminder notification is sent according to the customer information of the transaction information; or if the current exchange rate is lower than the transaction price of the transaction in the historical transaction information, the customer according to the transaction information The message sends the reminder notification. For example, the method for notification of exchanges mentioned in item 6 of the patent application scope includes: Determining whether the notification rule exists in the storage unit; if the notification rule exists in the storage unit, the notification rule is associated with the customer information, and if the notification rule does not exist in the storage unit, storing the notification rule into the storage unit . For example, the method for notification of exchange of exchange mentioned in item 6 of the patent application includes: obtaining and generating the transaction information according to the record of overseas credit card or overseas withdrawal.