TWI676944B - System and method for exchange and payment of electronic payment institution - Google Patents

Abstract

An exchange payment system of an electronic payment institution. The system includes a first server and a second server. The first server instructs the second server to deposit the first amount in the currency of the first country into the first account of the first country currency opened by the electronic payment institution in the first bank, and sends the foreign exchange settlement inventory to the second server. The second server performs a settlement operation on the first amount according to the settlement statement to obtain a settlement amount corresponding to the currency of the second country, and deposits the settlement amount into the second account of the second country currency opened by the electronic payment institution at the first bank. . The first server sends a remittance notification to the second server. According to the remittance notice, the second server wire transfers the wire transfer amount corresponding to the first amount from the second account to the overseas account of the second currency opened by the merchant at a second bank overseas.

Description

Exchange payment system and method of electronic payment institution

The invention relates to a foreign exchange payment system and method of an electronic payment institution.

With the development of e-commerce, consumer consumption patterns and payment methods have changed dramatically. Among them, the consumption habits of the general public have gradually changed from cash payment and ATM transfer methods to online card swiping and Internet ATM transfer. In recent years, the rise of electronic payment institutions has provided a brand new channel that enables users to perform functions such as stored value and online transactions through electronic payment institutions. Therefore, electronic payment institutions bring great convenience to e-commerce.

The invention provides an exchange payment system and method for an electronic payment institution, which can reduce the cost of manual operations when the bank performs foreign exchange settlement (or exchange exchange) and reduce the possibility of negligence in manual operations, thereby reducing the use of electronic payment institutions for exchange payment. Complexity, and increase the efficiency of electronic payment agencies for remittance payments.

The present invention provides a foreign exchange payment system of an electronic payment institution. The system includes a first server and a second server. The first server belongs to an electronic payment institution and the electronic payment institution performs a collection service for the merchant. The second server belongs to the first bank. The first server instructs the second server to deposit the first amount in the currency of the first country into the first account of the first country currency opened by the electronic payment institution in the first bank, and sends the foreign exchange settlement inventory to the second server. The second server performs a settlement operation on the first amount according to the settlement statement to obtain a settlement amount corresponding to the currency of the second country, and deposits the settlement amount into the second account of the second country currency opened by the electronic payment institution at the first bank. . The first server sends a remittance notification to the second server. According to the remittance notice, the second server wire transfers the wire transfer amount corresponding to the first amount from the second account to the overseas account of the second currency opened by the merchant at a second bank overseas.

In an embodiment of the present invention, the system further includes a third server and a first electronic device. The third server belongs to the merchant. The first electronic device belongs to a consumer. The first electronic device is connected before the first server instructs the second server to deposit the first amount of the first country currency into the electronic payment institution's first account of the first country currency opened by the first bank. Go to a third server and purchase goods or services. The first electronic device is connected to the first server and pays a first payment corresponding to the goods or services to the first server. The first server responds to the third server with a payment success message according to the first payment received. The third server provides the goods or services to the consumer according to the payment success message.

In an embodiment of the present invention, before the first server sends the remittance notice to the operation of the second server, the third server sends the payment collection notice to the first server. The first server sends a remittance notice to the second server according to the payment collection notice. Among them, in the operation of the second server performing the settlement operation of the first payment according to the settlement statement to obtain the settlement payment corresponding to the currency of the second country, the second server responds to the amount of the settlement payment and the transaction exchange rate during the settlement operation to The first server, and sends the declaration data to the fourth server of the competent authority.

In an embodiment of the present invention, the reporting information includes a settlement account, a transaction rate, and the amount of the settlement amount.

In an embodiment of the present invention, the second server transmits a wire transfer amount corresponding to the first amount to the overseas account of the second currency opened by the merchant at a second bank overseas according to the remittance notice. After the operation, the second server sends the remittance details corresponding to the wire transfer amount, the amount of the wire transfer amount, and the amount of the first transaction fee belonging to the first bank to the first server.

In an embodiment of the present invention, the second server transmits a wire transfer amount corresponding to the first amount to the overseas account of the second currency opened by the merchant at a second bank overseas according to the remittance notice. After the operation, the second server records the amount of the second handling fee belonging to the electronic payment institution, wherein the amount of the second handling fee is the difference between the amount of the settlement amount and the amount of the wire transfer amount.

In an embodiment of the present invention, the foreign exchange settlement inventory includes a customer name, a unified serial number, a date of birth, a transaction commodity name or service category, a foreign exchange settlement currency, and an amount.

The invention provides an exchange payment method of an electronic payment institution, which is used in an exchange payment system of an electronic payment institution. The exchange payment system of the electronic payment institution includes a first server and a second server, wherein the first server belongs to the electronic payment institution. And the electronic payment agency executes the collection service for the merchant, the second server belongs to the first bank, and the method includes: instructing the second server to deposit the first amount of the currency of the first country into the electronic payment by the first server The institution opens a first account of the currency of the first country with the first bank, and sends the settlement account to the second server; the second server performs the settlement operation of the first payment according to the settlement account to obtain the account corresponding to the second country. Settle money in currency and deposit the money into the second account of the second currency opened by the electronic payment institution in the first bank; send the remittance notice to the second server through the first server; and use the second server According to the remittance notice, the server transfers the wire transfer amount corresponding to the first amount from the second account to the overseas currency of the second currency opened by the merchant's second bank overseas. Account.

Based on the above, the exchange payment system and method of the electronic payment institution of the present invention can reduce the cost of manual operations when the bank performs foreign exchange settlement (or exchange exchange) and reduce the possibility of negligence in manual operations. In addition, because the bank's server will settle the exchange at a fixed time every day, it can reduce people's subjective judgment and reduce the risk of time to exchange rate fluctuations. Furthermore, the bank's server can also automatically calculate and record the fees that belong to the electronic payment institution. Based on the above, the exchange payment system of the electronic payment institution of the present invention can reduce the complexity of the exchange payment using the electronic payment institution and improve the efficiency of the exchange payment by the electronic payment institution.

In order to make the above features and advantages of the present invention more comprehensible, embodiments are hereinafter described in detail with reference to the accompanying drawings.

Reference will now be made in detail to the exemplary embodiments of the present invention, examples of which are illustrated in the accompanying drawings. In addition, wherever possible, the same reference numbers are used in the drawings and embodiments to represent the same or similar parts.

FIG. 1 is a schematic diagram of a foreign exchange payment system of an electronic payment institution according to an embodiment of the present invention.

Referring to FIG. 1, the exchange payment system 1000 of the electronic payment institution includes a first electronic device 100, a first server 120, a second server 140, and a third server 160. The first electronic device 100, the first server 120, the second server 140, and the third server 160 can perform wired or wireless communication with each other through the network 10.

FIG. 2A is a block diagram of a first electronic device according to an embodiment of the invention.

Referring to FIG. 2A, the first electronic device 100 includes a processing unit 20, a display unit 22, a communication unit 24, and a storage unit 26. The display unit 22, the communication unit 24, and the storage unit 26 are respectively coupled to the processing unit 20. The first electronic device 100 is, for example, an electronic mobile device such as a mobile phone, a tablet computer, or a notebook computer, and is not limited herein.

The processing unit 20 may be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), or programmable Controller, application specific integrated circuit (ASIC) or other similar components or a combination of the above components.

The display unit 22 may provide a display device with a display function in a display area of the first electronic device 100. The display unit 22 may be a display device that provides a display function, such as a liquid crystal display (LCD), a light-emitting diode (LED), and a field emission display (FED).

The communication unit 24 may support a global system for mobile communication (GSM), a personal handy-phone system (PHS), a code division multiple access (CDMA) system, and a broadband code Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi-Fi Fi) Signal transmission components of the system or Bluetooth.

The storage unit 26 may be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, or similar elements Or a combination of the above.

In the present exemplary embodiment, a plurality of code segments are stored in the storage unit 26 of the first electronic device 100. After the code segments are installed, the processing unit 20 executes the code segments. For example, the storage unit 26 includes a plurality of modules, and these modules are used to perform each operation in the exchange payment system 1000 applied to the first electronic device 100 and applied to the electronic payment institution, wherein each module is composed of one or Composed of multiple code snippets. However, the present invention is not limited thereto, and various operations of the first electronic device 100 may also be implemented by using other hardware forms.

FIG. 2B is a block diagram of a server according to an embodiment of the invention. It should be noted here that, because the first server 120, the second server 140, and the third server 160 in FIG. 1 can have similar components in essence, the first server is described here only with the server 300. Components required by the server 120, the second server 140, and the third server 160.

Referring to FIG. 2B, the server 300 in this embodiment includes a processing unit 30, a communication unit 32, and a storage unit 34. The communication unit 32 and the storage unit 34 are respectively coupled to the processing unit 30. The processing unit 30, the communication unit 32, and the storage unit 34 may be similar to the processing unit 20, the communication unit 24, and the storage unit 26, respectively, and are not described herein.

In the present exemplary embodiment, a plurality of code segments are stored in the storage unit 34 of the server 300, and the code segments are installed and then executed by the processing unit 30. For example, the storage unit 34 includes a plurality of modules, and these modules are used to perform each operation in the exchange payment system 1000 applied to the server 300 and the electronic payment institution, wherein each module is composed of one or more Snippet of code. However, the present invention is not limited to this, and various operations of the server 300 may also be implemented by using other hardware forms.

Please refer to FIG. 1 again. In this exemplary embodiment, the first electronic device 100 belongs to a consumer. The first server 120 belongs to an electronic payment institution. The second server 140 belongs to the first bank. The third server 160 belongs to a merchant.

In this exemplary embodiment, the consumer may use the first electronic device 100 to connect to the third server 160 of the merchant to purchase products or services. When a consumer purchases a product or service, an electronic payment agency can perform a generation of money collection business (also known as a collection service) for the merchant. It should be noted that because the consumer may use the currency of the first country (such as Taiwanese currency, hereinafter referred to as the currency of the first country) for payment, and the account used by the merchant to receive the payment may be another bank (also (Referred to as, the second bank) overseas accounts opened in another country's currency (such as US dollars, referred to herein as the second country's currency). Therefore, when the electronic payment institution receives the payment from the consumer, the first server 120 of the electronic payment institution may instruct the second server 140 of the first bank to pay the consumer the payment made in the currency of the first country (also known as , The first payment) is deposited into an account of a first country currency (also referred to as a first account) opened by an electronic payment institution with a first bank. After that, the first bank can automatically settle (or exchange) the first amount in the first account through the second server 140 at a fixed time every day according to the current exchange rate (also known as the exchange rate). A payment in a second country currency (also referred to as a settlement account) and depositing this settlement in a second country currency account (also referred to as a second account) opened by the electronic payment institution with the first bank. After that, the merchant can request the electronic payment institution through the third server 160 to pay the amount of the second country currency corresponding to the first payment (at the exchange rate of the wire transfer) This is called the amount of wire transfer. The first server 120 of the electronic payment institution may notify the second server 140 of the first bank to provide the wire transfer payment to the merchant's overseas account. In particular, the second server 140 of the first bank may also automatically record the amount of a fee (also referred to as a second fee) belonging to the electronic payment institution. The amount of the second handling fee is the difference between the amount of the settlement amount and the amount of the wire transfer amount.

In the above manner, the exchange payment system 1000 of the electronic payment institution of the present invention can reduce the cost of manual operations when the bank performs foreign exchange settlement (or exchange exchange) and reduce the possibility of negligence in manual operations. In addition, because the bank's server will settle the exchange at a fixed time every day, it can reduce people's subjective judgment and reduce the risk of time to exchange rate fluctuations. Furthermore, the bank's server can also automatically calculate and record the fees that belong to the electronic payment institution. Based on the above, the exchange payment system 1000 of the electronic payment institution of the present invention can reduce the risk of using the electronic payment institution for exchange payment, and improve the efficiency of the electronic payment institution for exchange payment.

The operation mode of the exchange payment system 1000 of the electronic payment institution will be described in a more detailed embodiment below.

FIG. 3 is a schematic diagram illustrating an operation mode of a foreign exchange payment system of an electronic payment institution according to an embodiment of the present invention.

Please refer to FIG. 1 and FIG. 3 at the same time. First, the consumer can use the first electronic device 100 to connect to the merchant's third server 160 to purchase goods or services (step S301), and the consumer can use the first electronic device 100 to connect Go to the first server 120 of the electronic payment institution and pay the first amount corresponding to the purchased goods or services in the first country currency (for example, Taiwan dollar) (step S303). The first server 120 of the electronic payment agency responds to the payment success message to the third server 160 of the merchant according to the received first payment (step S305). After that, the third server 160 of the merchant may provide the consumer with the goods or services purchased by the consumer according to the payment success message (step S307).

When the electronic payment institution receives the first payment made by the consumer in the currency of the first country, the first server 120 of the electronic payment institution 120 will instruct the second server 140 of the first bank to send the first currency of the first country's currency. The money is deposited into the first account of the first national currency opened by the electronic payment institution with the first bank (step S309), and the settlement of settlement is transmitted to the second server 140 of the first bank (step S311). Among them, the foreign exchange settlement inventory can include information such as customer name, uniform number, date of birth, transaction commodity name or service category, foreign exchange currency, and amount. After the second server 140 of the first bank confirms the contents of the foreign exchange settlement register, the foreign exchange settlement operation may be performed automatically. In the process of performing the foreign exchange settlement operation, the second server 140 of the first bank will perform the foreign exchange settlement (or the first payment paid by the consumer in the first account according to the foreign exchange settlement inventory and the current exchange rate (also known as the foreign exchange settlement exchange rate)) Exchange) to obtain a settlement amount of the first amount corresponding to the currency of the second country (for example, U.S. dollars) under the exchange rate, and send the declaration information to the server (not shown) of the competent authority (for example, the central bank) (Herein referred to as a fourth server) (step S315). Among them, the declaration information may include the above-mentioned inventory of foreign exchange settlement, the exchange rate at the time of foreign exchange settlement (or exchange exchange), and the amount of the foreign exchange settlement amount. In addition, the second server 140 of the first bank will also reply to the amount of the settlement amount and the exchange rate during the settlement (or exchange) to the first server 120 of the electronic payment institution (step S317), and the settlement amount will be settled. Deposit the second account of the second country currency opened by the electronic payment institution with the first bank (step S319).

After that, the third server 160 of the merchant may send a payment collection notice to the first server 120 of the electronic payment institution to request the electronic payment institution to pay the collection money (step S321). The first server 120 of the electronic payment institution may send a remittance notice to the second server 140 of the first bank according to the payment collection notice (step S323). Among them, the above-mentioned payment collection notice and remittance notice may indicate that when the consumer pays the first amount, the amount of the second country ’s currency corresponding to the first amount is converted at the current exchange rate (also known as the wire exchange rate) (in the This is called the amount of wire transfer. And the second server 140 of the first bank may wire a wire transfer from the second account to a bank opened by the merchant overseas (also known as a second bank) according to the amount of the wire transfer in the remittance notice. The overseas account of the second country currency (step S325), and transmits a remittance corresponding to the above-mentioned wire transfer amount, the amount of the wire transfer amount, the amount of the wire transfer amount, and the amount of the first transaction fee belonging to the first bank to the first server of the electronic payment institution 120 (step S327). In addition, the second server 140 of the first bank will also record (or note) the amount of the processing fee (also referred to as the second processing fee) belonging to the electronic payment institution (step S329). Wherein, the amount of the second handling fee is the difference between the amount of the above-mentioned exchange settlement amount and the amount of the above-mentioned wire transfer amount.

FIG. 4 is a flowchart of a foreign exchange payment method of an electronic payment institution according to an embodiment of the present invention.

Referring to FIG. 4, in step S401, the electronic payment institution may instruct the second server 140 to deposit the first amount of the currency of the first country into the first country opened by the electronic payment institution at the first bank through the first server 120. Currency of the first account, and send the settlement account to the second server. In step S403, the first bank may perform a settlement operation on the first amount through the second server 140 according to the settlement statement to obtain a settlement amount corresponding to the currency of the second country, and deposit the settlement amount into the electronic payment institution at the first A second account in a second country currency opened by a bank. In step S405, the electronic payment institution may send a remittance notice to the second server 140 of the first bank through the first server 120. Finally, in step S407, the first bank may wire a wire transfer corresponding to the first money from the second account to the second currency of the second currency opened by the merchant at a second bank overseas through the second server 140 according to the remittance notice. Overseas accounts.

In summary, the exchange payment system of the electronic payment institution of the present invention can reduce the cost of manual operations when the bank performs foreign exchange settlement (or exchange exchange) and reduce the possibility of negligence in manual operations. In addition, because the bank's server will settle the exchange at a fixed time every day, it can reduce people's subjective judgment and reduce the risk of time to exchange rate fluctuations. Furthermore, the bank's server can also automatically calculate and record the fees that belong to the electronic payment institution. Based on the above, the exchange payment system of the electronic payment institution of the present invention can reduce the complexity of the exchange payment using the electronic payment institution and improve the efficiency of the exchange payment by the electronic payment institution.

Although the present invention has been disclosed as above with the examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some modifications and retouching without departing from the spirit and scope of the present invention. The protection scope of the present invention shall be determined by the scope of the attached patent application.

1000‧‧‧ electronic exchange payment system

10‧‧‧Internet

100‧‧‧The first electronic device

120‧‧‧first server

140‧‧‧Second server

160‧‧‧Third server

20, 30‧‧‧ processing unit

22‧‧‧Display Unit

24, 32‧‧‧ communication unit

26, 34‧‧‧Storage units

300‧‧‧Server

S301‧‧‧ Steps to purchase goods or services

S303‧‧‧Payment steps

S305‧‧‧ Steps to Reply to Payment Success Message

S307‧‧‧ Steps to provide goods or services

S309‧‧‧ Steps to deposit payment

S311‧‧‧Procedures for providing foreign exchange settlement inventory

S313‧‧‧After confirming the contents of the settlement and inventory, the steps of automatically performing the settlement operation

S315‧‧‧Steps of transmitting declaration data

S317‧‧‧Steps of replying the transaction exchange rate and the amount of settlement

S319‧‧‧ Steps to Deposit and Settle Money

S321‧‧‧ Steps for sending payment collection notice

S323‧‧‧Steps to send remittance notice

S325‧‧‧Steps to wire transfer overseas

S327‧‧‧Response to the details, amount, and first commission of the electricity civilization

S329‧‧‧ Steps to record a second fee belonging to an electronic payment institution

S401‧‧‧The first server instructs the second server to deposit the first amount in the currency of the first country into the first account of the first country currency opened by the electronic payment institution in the first bank, and send the settlement account to the second Server steps

S403‧‧‧ The second server performs a settlement operation on the first amount according to the settlement statement to obtain a settlement amount corresponding to the currency of the second country, and deposits the settlement amount into the second country opened by the electronic payment institution at the first bank Steps for currency second account

S405‧‧‧Step of first server sending remittance notice to second server of first bank

S407‧‧‧The second server transfers the wire transfer amount corresponding to the first amount from the second account to the overseas account of the second country currency opened by the merchant's second bank overseas according to the remittance notice

FIG. 1 is a schematic diagram of a foreign exchange payment system of an electronic payment institution according to an embodiment of the present invention. FIG. 2A is a block diagram of a first electronic device according to an embodiment of the invention. FIG. 2B is a block diagram of a server according to an embodiment of the invention. FIG. 3 is a schematic diagram illustrating an operation mode of a foreign exchange payment system of an electronic payment institution according to an embodiment of the present invention. FIG. 4 is a flowchart of a foreign exchange payment method of an electronic payment institution according to an embodiment of the present invention.

Claims (6)

An exchange payment system of an electronic payment institution includes: a first server, the first server belongs to an electronic payment institution, and the electronic payment institution performs a generation of collection business for a merchant; a second server, the first server Two servers belong to a first bank; a third server belongs to the merchant; and a first electronic device belongs to a consumer, wherein the first electronic device is connected to The third server purchases a product or service, the first electronic device connects to the first server and pays the first amount corresponding to the product or service to the first server, the first server According to the first payment received, reply a payment success message to the third server, and the third server provides the goods or services to the consumer according to the payment success message, wherein the first server Instructing the second server to deposit a first sum of a first country currency into a first account of the first country currency opened by the electronic payment institution at the first bank, and transmitting a settlement account to the Two servers, the second server performs a settlement operation on the first amount according to the settlement statement to obtain a settlement amount corresponding to a currency of a second country, and deposits the settlement amount into the electronic payment institution in the first A second account of the second country currency opened by a bank, the second server responds to the amount of the foreign exchange settlement amount and a transaction rate when the foreign exchange settlement operation is performed to the first server, and transmits a declaration information To a fourth server of a competent authority, the third server sends a payment collection notice to the first server, and the first server sends a remittance notice to the first server according to the payment collection notice Two servers, according to the remittance notice, from the second account to a wire transfer corresponding to the first money to one of the second currency of the second country opened by a second bank of the merchant overseas For overseas accounts, the second server sends a remittance corresponding to the wire transfer amount, the amount of the wire transfer amount, and the amount of a first handling fee belonging to the first bank to the first server. The amount, the second server logs belonging to a second fee of the electronic payment mechanism, wherein the second Amount of fee settlement payments deducted the difference between the amount of wire transfers for that. The exchange payment system of the electronic payment institution as described in item 1 of the scope of the patent application, wherein the declaration information includes the foreign exchange settlement inventory, the transaction exchange rate, and the amount of the foreign exchange settlement money. The exchange payment system of the electronic payment institution as described in item 1 of the scope of patent application, wherein the foreign exchange settlement inventory includes the customer name, unified number, date of birth, transaction commodity name or service category, foreign exchange settlement currency, and amount. An exchange payment method of an electronic payment institution is used for an exchange payment system of an electronic payment institution. The exchange payment system of the electronic payment institution includes a first server, a second server, a third server, and a first server. An electronic device, wherein the first server belongs to an electronic payment agency, and the electronic payment agency performs a generation collection business for a merchant; the second server belongs to a first bank; the third server belongs to the merchant; and The first device belongs to a consumer, and the method includes: connecting to the third server through the first electronic device and purchasing a product or service; connecting to the first server through the first electronic device The server and pay the first payment corresponding to the goods or services to the first server; by the first server according to the received first payment, reply a payment success message to the third server; The third server provides the goods or services to the consumer according to the payment success message; the first server instructs the second server to deposit a first sum of a first country currency The electronic payment institution opens a first account of the first country currency with the first bank, and sends a settlement account to the second server; The money is subjected to a foreign exchange settlement operation to obtain a foreign exchange settlement money corresponding to a second country currency, and the foreign exchange settlement money is deposited into a second account of the second country currency opened by the electronic payment institution at the first bank; The second server responds to the amount of the foreign exchange settlement amount and a transaction rate when the foreign exchange settlement operation is performed to the first server, and sends a declaration data to a fourth server of a competent authority; The three servers send a payment collection notice to the first server; the first server sends a remittance notice to the second server according to the payment collection notice; and the second server According to the remittance notice, a wire transfer from the second account corresponding to the first amount to an overseas account of the second country currency opened by the merchant at a second bank overseas; by the second servo Device Sending a remittance corresponding to the wire transfer amount, the amount of the wire transfer amount, and the amount of a first handling fee belonging to the first bank to the first server; and recording the belonging to the electronic by the second server The amount of a second handling fee of the payment institution, wherein the amount of the second handling fee is the difference between the amount of the settlement amount and the amount of the wire transfer amount. The exchange payment method of the electronic payment institution as described in item 4 of the scope of the patent application, wherein the declaration information includes the settlement account, the transaction rate, and the amount of the settlement money. The foreign exchange payment method of the electronic payment institution as described in item 4 of the scope of patent application, wherein the foreign exchange settlement inventory includes the customer name, uniform number, date of birth, transaction commodity name or service category, foreign exchange currency and amount.