TWM602686U - Exchange settlement system - Google Patents

Abstract

An exchange settlement system is provided. A client apparatus connects to an online exchange settlement website provided by a financial server, generates a foreign currency exchange order through the online exchange settlement website, and stores the foreign currency exchange order to the financial server. The financial server generates a payment code based on the foreign currency exchange order and sends the payment code to the client apparatus. An electronic apparatus drives a scanning apparatus to scan the payment code displayed on the client apparatus, pays a specified amount from an account to the financial server, and sends a payment completion notification to the financial server. After the payment completion notification is received, the financial server performs a write-off operation for the foreign currency exchange order and sends an exchange notification message to a foreign currency withdrawal location.

Description

Online foreign exchange settlement system

This new creation relates to a foreign exchange settlement system, and especially to an online foreign exchange settlement system.

With the economic take-off, more and more people go abroad for tourism and business talks. Therefore, foreign currency exchange is a necessary preparation before the trip. The traditional method of foreign currency exchange requires direct exchange of foreign currency cash at the bank counter. Of course, this method is the most time-consuming and labor-intensive. Not only does it take a special trip to the bank, fills out the application form and waits in line, some banks will also charge additional fees.

In the era of the rise of digital finance, some banks have introduced online foreign exchange settlement methods. Users can select currency and denomination data on the online foreign exchange settlement system provided by each bank's website, and specify the date and branch of foreign currency withdrawal. After that, after completing the payment within the time limit, you can pick up the foreign currency at the designated branch on the designated date. The current payment methods include transfers through online banking or physical automated teller machines (ATM, Automated Teller Machine), or transfers from banks. However, the existing payment method is not convenient. Therefore, if a fast and convenient online foreign exchange settlement system can be provided, it will enhance the convenience for customers to pay when handling online foreign exchange settlement.

The new creation provides an online foreign exchange settlement system, which improves the convenience of customers to pay when handling online foreign exchange settlement.

The online foreign exchange settlement system created by the present invention includes: a financial server, an electronic device and a client device. The electronic device includes a scanning device. The client device connects to the online foreign exchange settlement website provided by the financial server, generates a foreign currency exchange order through the online foreign exchange settlement website, and stores the foreign currency exchange order to the financial server. The financial server generates a payment barcode based on the foreign currency exchange order, and transmits the payment barcode to the client device. The electronic device drives the scanning device to scan the payment barcode displayed on the client device, to pay the specified amount from the account to the financial server, and send a payment completion notice to the financial server; the financial server, after receiving the payment completion notice, foreign currency The exchange order is written off and the exchange notification message is sent to the foreign currency withdrawal location.

In an embodiment of the present invention, the aforementioned foreign currency exchange order includes customer information, an order number, and a designated amount. After scanning the payment barcode displayed on the client device, the electronic device obtains customer information, order number, and designated amount. The electronic device pays the designated amount from the account to the financial server through a payment program, wherein the payment program binds the account. After the payment is completed, the electronic device transmits the order number to the financial server, so that the financial server can write off the foreign currency exchange order.

In an embodiment of the present invention, the aforementioned foreign currency exchange order further includes an email address. The financial server sends a withdrawal notification to the email address after the foreign currency exchange order is written off.

In an embodiment of the present invention, the above-mentioned financial server sends a withdrawal notification to the client device after the foreign currency exchange order is written off.

In an embodiment of the present invention, the payment barcode is a two-dimensional barcode or a quick response matrix code (QR Code, QR: Quick Response).

In an embodiment of the present invention, the scanning device is an image capturing device.

Based on the above, use the function of converting foreign currency exchange orders into payment barcodes to provide customers with scanning codes to read related order information, so that customers can avoid manually entering order numbers for payment when they choose other payment methods. This will not only increase the security of personal data protection, but also reduce the inconvenience of data input.

Fig. 1 is a block diagram of an online foreign exchange settlement system according to an embodiment of the invention. Please refer to FIG. 1, the online foreign exchange settlement system 100 includes a financial server 100A, a client device 100B, and an electronic device 100C. The financial server 100A, the client device 100B, and the electronic device 100C respectively include communication devices with networking functions. The financial server 100A, the client device 100B, and the electronic device 100C can be connected via the Internet.

Here, the financial server 100A is, for example, a host that has high computing power and can be used by multiple users. The financial server 100A belongs to a financial institution, which provides a wired foreign exchange settlement website 120. The client device 100B is, for example, a personal computer, a notebook computer, a smart phone, etc., which is a device suitable for personal use in terms of performance and price and directly controlled by the user. The electronic device 100C is a component having a scanning device 110, such as a smart phone. The scanning device 110 is an image capturing device for scanning a two-dimensional barcode.

In the client device 100B, it connects to the online foreign exchange settlement website 120 provided by the financial server 100A, generates a foreign currency exchange order through the online foreign exchange settlement website 120, and stores the foreign currency exchange order to the financial server 100A. Here, the foreign currency exchange order includes customer information, order number and payment amount.

In the financial server 100A, a payment barcode 105 is generated based on the foreign currency exchange order, and the payment barcode 105 is transmitted to the client device 100B. In the electronic device 100C, the scanning device 110 is driven to scan the payment barcode 105 displayed on the client device 110B to pay a specified amount from the account to the financial server 100A. After the payment is completed through the electronic device 100C, the foreign currency exchange order is written off through the financial server 100A, and the exchange notification message is sent to the foreign currency withdrawal location.

In conjunction with the above-mentioned online foreign exchange settlement system 100, another embodiment is given below to illustrate the steps of the online foreign exchange settlement method. Fig. 2 is a flowchart of an online foreign exchange settlement method according to an embodiment of the present invention. 1 and 2 at the same time, in step S205, the user logs in (connects) to the online exchange settlement website 120 provided by the financial server 100A through the client device 100B, and generates a foreign currency exchange order through the online exchange settlement website 120. Next, in step S210, the online foreign exchange settlement website 120 stores the foreign currency exchange order to the financial server 100A. Here, the user logs into the user interface of the online foreign exchange settlement website 120, enters the purchaser's information and foreign exchange settlement related data, and selects the payment method of electronic payment. After that, the online foreign exchange settlement website 120 generates a corresponding foreign currency exchange order and transfers the foreign currency The exchange order is stored in the financial server 100A. Electronic payment is, for example, one of third-party payment, electronic payment, mobile payment, and electronic money.

In step S215, the financial server 100A generates a payment barcode 105 based on the foreign currency exchange order. Furthermore, in step S220, the financial server 100A transmits the payment barcode 105 to the client device 100B. The payment barcode is a two-dimensional barcode or a QR Code (QR: Quick Response).

After receiving the payment barcode 105, the client device 100B displays the payment barcode 105 on the display as shown in step S225. Next, in step S230, the electronic device 100C scans the payment barcode 105 displayed by the client device 100B through the scanning device 110. After scanning the payment barcode 105, the electronic device 100C obtains the customer information, the order number and the specified amount as shown in step S235. And, in step S240, payment is made through the payment program.

Specifically, a payment program is installed in the electronic device 100C, and electronic payment is performed through the payment program. Here, the payment program binds an account. The electronic device 100C activates the payment program, and drives the scanning device 110 through the payment program to scan the payment barcode 105 displayed on the client device 100B to obtain customer information, order number, and specified amount. Then, the payment program can pay a specified amount to the financial server 100A from the bound account (such as a virtual account) based on the obtained customer information (for example, including the payment account provided by the financial server 100A), and send the payment completion Notify the financial server 100A.

After the payment is completed, the electronic device 100C sends a payment completion notice (including the order number) to the financial server 100A. After the financial server 100A receives the payment completion notification, as shown in step S245, the foreign currency exchange order is written off using the order number. In addition, in step S250, the financial server 100A notifies the branch (designated foreign currency withdrawal location) to prepare banknotes and notifies the customer.

That is, the financial server 100A sends the exchange notification message to the foreign currency withdrawal location. In addition, the user can also enter an email address when logging in to the online foreign exchange settlement website 120, so that the financial server 100A sends a withdrawal notification to the recorded email after the financial server 100A performs the transaction of foreign currency exchange orders. Address. In addition, after the financial server 100A performs an account cancellation operation on the foreign currency exchange order, it may also send a withdrawal notification to the client device 100B.

To sum up, the new creation uses the function of converting foreign currency exchange orders into payment barcodes to provide customers with scanning codes to read relevant order information, so that customers can avoid manually entering order numbers when they choose other payment methods. paragraph. This will not only increase the security of personal data protection, but also reduce the inconvenience of data input.

100: Online foreign exchange settlement system 100A: Financial server 100B: client device 100C: Electronic device 105: payment barcode 110: Scanning device 120: Online foreign exchange settlement website S205～S250: Each step of the online settlement method

Fig. 1 is a block diagram of an online foreign exchange settlement system according to an embodiment of the invention. Fig. 2 is a flowchart of an online foreign exchange settlement method according to an embodiment of the present invention.

100: Online foreign exchange settlement system

100A: Financial server

100B: client device

100C: Electronic device

105: payment barcode

110: Scanning device

120: Online foreign exchange settlement website

Claims (6)

An online foreign exchange settlement system, including: A financial server; An electronic device including a scanning device; and A client device, Wherein, the client device connects to an online foreign exchange settlement website provided by the financial server, generates a foreign currency exchange order through the online foreign exchange settlement website, and stores the foreign currency exchange order to the financial server; The financial server generates a payment barcode based on the foreign currency exchange order, and transmits the payment barcode to the client device; The electronic device drives the scanning device to scan the payment barcode displayed on the client device to pay a specified amount from an account to the financial server, and send a payment completion notice to the financial server; After receiving the payment completion notice, the financial server performs an account write-off operation on the foreign currency exchange order, and sends an exchange notice message to a foreign currency withdrawal location. For example, the online foreign exchange settlement system described in claim 1, wherein the foreign currency exchange order includes a customer information, an order number and the specified amount, The electronic device obtains the customer information, the order number, and the specified amount after scanning the payment barcode displayed on the client device, The electronic device pays the specified amount from the account to the financial server through a payment program, wherein the payment program binds the account, After the payment is completed, the electronic device transmits the order number to the financial server, so that the financial server performs a write-off operation on the foreign currency exchange order. The online foreign exchange settlement system according to claim 1, wherein the foreign currency exchange order further includes an email address, After writing off the foreign currency exchange order, the financial server sends a withdrawal notification to the email address. The online foreign exchange settlement system according to claim 1, wherein the financial server sends a withdrawal notification to the client device after writing off the foreign currency exchange order. The online foreign exchange settlement system according to claim 1, wherein the payment barcode is a two-dimensional barcode or a quick response matrix code. The online foreign exchange settlement system according to claim 1, wherein the scanning device is an image capturing device.

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