TWM628266U - Foreign Currency Management System - Google Patents

Abstract

A foreign currency management system is suitable for electrically connecting a first financial system belonging to a first banking institution and a second financial system belonging to a second banking institution. The foreign currency management system is used to: receive a foreign currency cash withdrawal request generated by an ATM via the first financial system, and transmit a withdrawal transaction under the condition that the foreign currency cash withdrawal request is determined to be related to the second banking institution Request to the second financial system, and send a withdrawal permission notification to the first financial system when receiving a transaction success notification from the second financial system, so that the first financial system controls the ATM to output a The foreign currency cash requested for the foreign currency cash withdrawal.

Description

Foreign Currency Management System

The present invention relates to a management system, in particular to a foreign currency management system for managing inter-bank foreign currency transactions between different banking institutions.

In recent years, some banking institutions have begun to set up foreign currency ATMs in China, so that if people open a foreign currency account in a banking institution that has set up a foreign currency ATM, they can use the foreign currency ATM they set up to deposit and withdraw foreign currency cash without being subject to the banking institution's approval. Business hours are limited.

However, the number of foreign currency ATMs set up by some banking institutions is relatively small, and even some banking institutions do not set up foreign currency ATMs, which makes it difficult for people who open foreign currency accounts in the banking institutions to enjoy the convenience brought by foreign currency ATMs. Therefore, the prior art still has the inconvenience to be improved.

Therefore, the purpose of the present invention is to provide a foreign currency management system which can improve the inconvenience of the prior art.

The novel foreign currency management system includes a first server unit, the first server unit stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for a first financial system and a second The financial system is electrically connected, the first financial system is electrically connected to an ATM, and the first financial system and the ATM belong to a first banking institution among the banking institutions, and the second financial system belongs to A second banking institution among the banking institutions; wherein the first server unit is used for: receiving a foreign currency cash withdrawal request generated by the ATM according to the user's operation via the first financial system, Wherein, the foreign currency cash withdrawal request includes an instruction indicating the requested withdrawal account information of a banking institution, an instruction indicating the requested withdrawal currency of an overseas currency, and a pair of requested withdrawal amounts in the requested currency; When the first server unit determines, according to the institution identification data, that the banking institution indicated by the requested account withdrawal information is the second banking institution, the first server unit generates and transmits a message including the requested account withdrawal information, The withdrawal transaction request of the requested currency and the requested withdrawal amount is sent to the second financial system; when the first server unit receives a transaction success notification corresponding to the withdrawal transaction request from the second financial system , the first servo unit transmits a withdrawal permission notification corresponding to the foreign currency cash withdrawal request to the first financial system according to the transaction success notification, wherein the withdrawal permission notification is used for the first financial system to control The ATM outputs cash in a foreign currency that matches the requested withdrawal currency and the requested withdrawal amount.

In some implementation aspects of the novel foreign currency management system, the withdrawal request account data of the withdrawal transaction request further indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request is made with for the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and when the judgment result is yes, perform a pair of deduction processing for the target foreign currency account in response to the withdrawal transaction request, and at When the debit processing is completed, the transaction success notification is sent to the first server unit.

In some implementation aspects of the novel foreign currency management system, the foreign currency management system further includes a second server unit electrically connected to the first server unit, and the second server unit stores a pair of transaction records that should be requested to withdraw currency data, and the transaction record data includes a pair of first inter-bank fund balances corresponding to the first banking institution and a pair of second inter-bank fund balances corresponding to the second banking institution, the second server unit is used for: in the first server After the unit transmits the withdrawal permission notice to the first financial system, a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request is added to the transaction record data, and a scheduled clearing within the current time reaches a unit period. At the time point, a clearing process is executed at least according to the inter-bank foreign currency transaction record, thereby updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data.

In some implementation aspects of the novel foreign currency management system, the second servo unit is further adapted to be electrically connected to a clearing bank financial system belonging to a clearing bank institution, wherein the clearing bank financial system stores a pair of corresponding first The first special settlement guarantee account of the banking institution and a pair of second special settlement guarantee accounts corresponding to the second banking institution. When the current time reaches the last of a plurality of predetermined settlement time points within the unit period, the second server unit also generates and transmits a settlement request including the first inter-bank fund balance and the second inter-bank fund balance to the A clearing bank financial system, wherein the settlement request is used for the clearing bank financial system to execute foreign currency money transfer processing between the first settlement guarantee account and the second settlement guarantee account.

The new model also provides another foreign currency management system.

Another foreign currency management system provided by the present invention includes a first server unit, the first server unit stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for connecting with a first financial institution The system is electrically connected to a second financial system, the first financial system is electrically connected to an automated teller device, and the first financial system and the automated teller device belong to a first banking institution among the banking institutions, and the The second financial system belongs to a second banking institution among the banking institutions; wherein, the first server unit is used for: receiving a foreign currency generated by the ATM according to the user's operation via the first financial system Cash deposit request, wherein the foreign currency cash deposit request includes a request deposit account information indicating a banking institution, a request deposit currency indicating a foreign currency, and a pair of the requested deposit currency requesting a deposit amount, and the requested deposit amount is generated by the ATM according to the foreign currency cash deposited into itself; when the first server unit determines that the requested deposit account information indicates according to the institution identification information When the banking institution is the second banking institution, the first server unit generates and transmits a deposit transaction request including the requested deposit account information, the requested deposit currency and the requested deposit amount to the second financial institution system; when the first server unit receives a transaction success notification corresponding to the deposit transaction request from the second financial system, the first server unit transmits a pair of deposits corresponding to the foreign currency cash deposit request according to the transaction success notification. A payment permission notification is sent to the first financial system, wherein the payment permission notification is used for the first financial system to control the ATM to store foreign currency cash deposited into the ATM.

The utility model of the present invention is that the foreign currency management system enables users to withdraw cash in foreign currency from the second banking institution through the automatic teller equipment belonging to the first banking institution, or transfer the cash in foreign currency through the automatic teller equipment belonging to the first banking institution Deposit into the second banking institution, so that even if the second banking institution does not have any ATMs capable of depositing or withdrawing foreign currency cash, users can use the ATMs set up by other banking institutions to cross-bank Deposit or withdraw cash in foreign currencies, regardless of the business hours of banking institutions.

Before the present invention is described in detail, it should be noted: if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired connection" between multiple electronic devices/devices/elements connected to each other through conductive materials. electrical connection” and “radio connection” for one-way/two-way wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by directly connecting multiple electronic devices/devices/components to each other, as well as the connection between multiple electronic devices/devices/components. The “indirect electrical connection” is formed by the indirect connection between other electronic equipment/devices/elements.

Referring to FIG. 1 , an embodiment of the foreign currency management system 1 of the present invention is managed by a specific organization, for example. The specific institution is, for example, an intermediary management institution among a plurality of banking institutions, and is responsible for supervising and processing inter-bank foreign currency fund transfer operations and account settlement operations among these banking institutions. In addition, the foreign currency management system 1 in this embodiment is equivalent to a system that uses an ATM to provide inter-bank deposit and withdrawal of foreign currency cash in a foreign currency account.

The foreign currency management system 1 is suitable for connecting with a plurality of financial systems belonging to the banking institutions through a network, and can communicate with the financial systems, whereby the foreign currency management system 1 can be used to manage the banks Interbank foreign currency transactions between institutions through various foreign currencies (such as USD, JPY, EUR, etc.). For the convenience of description, this embodiment only uses one specific foreign currency (such as US dollar, but not limited to) of these types of foreign currencies, and a first financial system 100, a first financial system 100 shown in FIG. A second financial system 200 and a clearing bank financial system 300 are used to illustrate the operation of the foreign currency management system 1 . It should be added that in the actual application environment of this embodiment, different types of foreign currencies are cleared by different banking institutions, so the number of the clearing bank financial systems 300 is actually a large number.

In the exemplary application environment for explaining this embodiment, the first financial system 100 is used for electrical connection with an automatic teller equipment 101, and, for example, both the first financial system 100 and the automatic teller equipment 101 belong to Among the banking institutions is a first banking institution B1 shown in FIG. 1 . More specifically, the ATM 101 is, for example, a foreign currency automatic deposit and withdrawal machine set up by the first banking institution B1 and having the cash withdrawal function of the specific foreign currency. On the other hand, the second financial system 200 belongs to, for example, a second banking institution B2 shown in FIG. 1 among the banking institutions. On the other hand, the clearing bank financial system 300 belongs to, for example, a clearing unit as the specific foreign currency and is shown in the clearing bank institution B3 in FIG. And these special settlement guarantee accounts include, for example, a first special settlement guarantee account 301 corresponding to the first banking institution B1, and a second special settlement guarantee account 302 corresponding to the second banking institution B2. More specifically, the first settlement guarantee account 301 and the second settlement guarantee account 302 are, for example, the inter-bank business opened by the first banking institution B1 and the second banking institution B2 in the clearing banking institution B3, respectively. Settlement guarantee account, and the first settlement guarantee account 301 and the second settlement guarantee account 302 are respectively used for the first banking institution B1 and the second banking institution B2 to deposit settlements belonging to the specific foreign currency Guaranteed payment.

In this embodiment, the foreign currency management system 1 includes, for example, a first servo unit 11 and a second servo unit 12 electrically connected to the first servo unit 11 . Wherein, the first servo unit 11 is, for example, used as an ATM foreign currency system managed by the specific institution, and is used to carry out the inter-bank foreign currency transactions between the first banking institution B1 and the second banking institution B2 one by one deal with. On the other hand, the second server unit 12 is, for example, used as a foreign currency settlement platform managed by the specific institution for recording the completed inter-bank foreign currency transactions between the first banking institution B1 and the second banking institution B2 transactions, and batch clearing and settlement.

To be more specific, in this embodiment, the first server unit 11 stores, for example, an organization identification data D1, and the organization identification data D1 includes, for example, a plurality of bank codes, and indicates the banks corresponding to the corresponding bank codes respectively. Institutions (including the first banking institution B1 and the second banking institution B2), whereby the first server unit 11 can identify the source and object of each inter-bank foreign currency transaction to be executed according to the institution identification data D1.

On the other hand, in this embodiment, the second server unit 12 stores, for example, a pair of transaction record data D2 corresponding to a specific foreign currency, and the transaction record data D2 is at least used for the second server unit 12 to record the first An inter-bank foreign currency transaction completed in the specific foreign currency between a banking institution B1 and the second banking institution B2. More specifically, the transaction record data D2 includes, for example, a plurality of inter-bank fund balances corresponding to one of the corresponding banking institutions, and the inter-bank fund balances include, for example, a pair of first inter-bank fund balances corresponding to the first banking institution B1. The fund balance, and a pair of second inter-bank fund balances corresponding to the second banking institution B2, wherein the first inter-bank fund balance, for example, indicates the specific foreign currency balance of the first settlement guarantee account 301, and the second inter-bank fund balance Then, for example, the specific foreign currency balance of the second settlement guarantee account 302 is indicated. In addition, in accordance with the regulations of "Licensing and Management Measures for Financial Information Service Enterprises for Inter-bank Fund Transfer and Account Settlement", the second server unit 12 will send an instruction when the balance of any inter-bank fund is lower than a corresponding warning fund level. The warning notice of insufficient balance is sent to the corresponding financial system to remind the corresponding banking institution to allocate adequate inter-bank funds to its special settlement guarantee account, and thereby achieve the liquidity risk of the specific foreign currency among these financial institutions control.

It is added that each of the first servo unit 11 and the second servo unit 12 may be implemented as a single server device, for example, but may also be implemented as a plurality of server devices electrically connected to each other , which is not particularly limited in this embodiment.

The following exemplarily describes in detail how the foreign currency management system 1 of this embodiment cooperates with the first financial system 100 , the second financial system 200 and the clearing bank financial system 300 to implement a foreign currency transaction management method. In this embodiment, the foreign currency transaction management method includes, for example, a foreign currency inter-bank withdrawal management part and a foreign currency inter-bank deposit management part. Therefore, the foreign currency transaction management method in this embodiment is equivalent to using an ATM to provide inter-bank foreign currency accounts. The method of depositing and withdrawing foreign currency cash. However, in other embodiments, the foreign currency transaction management method may include only one of the foreign currency inter-bank withdrawal management part and the foreign currency inter-bank deposit management part, but is not limited to this embodiment.

Referring to FIG. 1 and FIG. 2 at the same time, the following first describes the foreign currency inter-bank withdrawal management part of the foreign currency transaction management method of this embodiment.

First, in step S11, the first server unit 11 receives a foreign currency cash withdrawal request generated by the ATM 101 according to a user's operation via the first financial system 100, wherein the foreign currency cash withdrawal The request includes, for example, a request to withdraw account information indicating a bank institution and a foreign currency account, a request to withdraw a currency of a foreign currency, and a pair of requested withdrawal amounts corresponding to the requested currency. For the convenience of description, it is assumed here that the banking institution indicated by the request for withdrawing account information in this embodiment is the second banking institution B2, and the foreign currency account indicated by the request for withdrawing account information is, for example, set by the first bank. Two banking institutions B2 open a target foreign currency account 201 (shown in FIG. 1 ) for the user and stored in the second financial system 200 . In addition, the foreign currency indicated by the requested withdrawal currency is, for example, the specific foreign currency described in this embodiment.

More specifically, for example, the user may first insert a financial card issued by the second banking institution B2 and corresponding to the target foreign currency account 201 into the ATM 101 and then perform the relevant manual operations ( For example, inputting the password of the financial card and inputting the amount to be withdrawn), so that the ATM 101 generates and transmits the foreign currency cash withdrawal request to the first server unit 11 . However, according to the withdrawal form that the ATM 101 can support, the user can also operate the ATM by, for example, a cardless withdrawal (such as QR Code scanning, finger vein withdrawal) 101, and the ATM 101 generates and transmits the foreign currency cash withdrawal request.

After the first server unit 11 receives the foreign currency cash withdrawal request, the process proceeds to step S12.

In step S12, once the first server unit 11 receives the foreign currency cash withdrawal request, the first server unit 11 identifies the foreign currency cash withdrawal request account information according to the institution identification data D1 which indicates which account information a banking institution, and when the first server unit 11 determines according to the institution identification data D1 that the banking institution indicated by the request to withdraw the account information is the second banking institution B2, the first server unit 11 determines according to the foreign currency The cash withdrawal request generates a withdrawal transaction request corresponding to the foreign currency cash withdrawal request, and transmits the withdrawal transaction request to the second financial system 200 managed by the second banking institution B2.

In this embodiment, the withdrawal transaction request includes, for example, the account information of the withdrawal request, the currency of the withdrawal request, and the amount of the withdrawal request. Moreover, when the second financial system 200 receives the withdrawal transaction request, the second financial system 200, for example, judges whether the balance of the target foreign currency account 201 is greater than or equal to the requested withdrawal amount of the withdrawal transaction request, that is, judges Whether the balance of the target foreign currency account 201 is sufficient. And, if the second financial system 200 determines that the balance of the target foreign currency account 201 is sufficient, the second financial system 200 executes a pair of corresponding withdrawals to the target foreign currency account 201, for example, according to the requested withdrawal amount of the withdrawal transaction request. The debit processing of the transaction request, that is, deducting the requested withdrawal amount from the current balance of the target foreign currency account 201, and the second financial system 200 also transmits a corresponding to the withdrawal transaction request when the debit processing is completed. The successful transaction is notified to the first servo unit 11 of the foreign currency management system 1 .

After the first server unit 11 transmits the withdrawal transaction request to the second financial system 200, the process proceeds to step S13.

In step S13, when the first server unit 11 receives the transaction success notification from the second financial system 200 corresponding to the withdrawal transaction request, the first server unit 11 generates and transmits the transaction success notification, for example, according to the transaction success notification. A pair of withdrawal permission in response to the foreign currency cash withdrawal request is notified to the first financial system 100 . Moreover, when the first financial system 100 receives the withdrawal permission notification, the first financial system 100, for example, grants the foreign currency cash withdrawal request, and controls the ATM 101 to output the withdrawal currency that matches the request and the Foreign currency cash of the requested withdrawal amount for this user to collect.

After the first server unit 11 transmits the withdrawal permission notice to the first financial system 100, so that the first financial system 100 controls the ATM 101 to output foreign currency cash for the user to collect, the process proceeds to step S14.

In step S14 , the first server unit 11 , for example, generates a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request, and transmits the inter-bank foreign currency transaction records to the second server unit 12 . For the convenience of description, the inter-bank foreign currency transaction record is used as a first inter-bank foreign currency transaction record in this embodiment, and the first inter-bank foreign currency transaction record includes, for example, a transaction currency, an agency identification code, a client The agency identification code, a pair of the first amount to be settled corresponding to the agency identification code of the agency, and a pair of the second amount to be settled corresponding to the agency identification code of the agency.

For example, it is assumed that the user inserts the financial card issued by the second banking institution B2 into the ATM 101 set up by the first banking institution B1, and uses the ATM 101 from the second The target foreign currency account 201 opened by the banking institution B2 has withdrawn a specific foreign currency of RMB 1,000. In this example, the first banking institution B1 is equivalent to providing cash in a specific foreign currency of RMB 1,000 on behalf of the second banking institution B2. for the user to receive. Therefore, for this foreign currency withdrawal operation, the first banking institution B1 is equivalent to an agent banking institution, and the second banking institution B2 is equivalent to an agent banking institution, and the second banking institution B2 should A specific foreign currency of RMB 1,000 is paid to the first banking institution B1 at the time of account settlement. Therefore, in this example, the transaction currency of the first inter-bank foreign currency transaction record indicates the specific foreign currency, for example, the agency identification code indicates the first banking agency B1, and the agency identification code such as Indicates the second banking institution B2, further, the first amount to be settled corresponds to, for example, the first banking institution B1, and is, for example, "1000", and the second amount to be settled, for example, corresponds to the first amount to be settled 2. Banking institution B2, for example, "-1000", but not limited to this.

After the first server unit 11 transmits the first inter-bank foreign currency transaction record to the second server unit 12, the process proceeds to step S15.

In step S15, when the second server unit 12 receives the first inter-bank foreign currency transaction record from the first server unit 11, the second server unit 12, for example, treats the first inter-bank foreign currency transaction record as a pending transaction Clear the transaction record and add it to the transaction record data D2, thereby completing the accounting. Next, the flow proceeds to step S16.

In step S16, when the second servo unit 12 determines that the current time has reached one of a plurality of predetermined clearing time points within a unit period, the second servo unit 12 at least according to the transaction record data D2 of the transaction The first inter-bank foreign currency transaction record executes a clearing processing program to complete the clearing operation corresponding to the first inter-bank foreign currency transaction record.

In this embodiment, the settlement processing program includes, for example, a balance update process, a first balance check process, and a second balance check process. Wherein, the balance update processing is, for example, respectively updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data D2 according to at least the first amount to be settled and the second amount to be settled of the first inter-bank foreign currency transaction record. Fund balance. The first balance checking process is, for example, judging whether the updated balance of the first inter-bank fund is lower than a first warning fund level, and when the judgment result is yes, sending a warning notice indicating that the balance is insufficient to the first financial system 100. The second balance checking process is, for example, judging whether the updated balance of the second inter-bank fund is lower than a second warning fund level, and sending a warning notice indicating insufficient balance to the second financial system when the judging result is yes 200.

More specifically, the unit period represents, for example, a business day, and the predetermined settlement time points may be, for example, 9:00 am, 12:00 noon, and 3:00 pm on the business day, respectively, but not limited thereto. . And, continuing the previous example, assuming that the second server unit 12 executes the clearing process only according to the first inter-bank foreign currency transaction record, the second server unit 12 updates the first inter-bank fund balance and the second inter-bank fund balance For example, the balance of the first inter-bank fund corresponding to the first banking institution B1 is accumulated by 1000, and the balance of the second inter-bank fund corresponding to the second banking institution B2 is deducted by 1000. However, it should be added that in an actual implementation, there are usually multiple transaction records to be cleared in the transaction record data D2. Therefore, when the current time reaches the predetermined clearing time point, the second servo unit 12, for example It is to update the balance of each inter-bank fund in a cumulative manner based on all current transaction records to be cleared, that is, by offsetting the receivable amount and payable amount of the same banking institution to update the corresponding inter-bank fund balance. However, the details of the update of the interbank fund balances by the second servo unit 12 are not the focus of this patent specification, so they are not described in detail here.

It is further explained that, if the second servo unit 12 determines that the current time is the last of the predetermined settlement time points of the unit period (for example, 3:00 pm on the business day, but not limited to this), Then, in addition to executing the clearing processing program, the second servo unit 12 also generates a settlement request including at least the first inter-bank fund balance and the second inter-bank fund balance when the clearing processing program is executed, and sends the The settlement request is transmitted to the clearing bank financial system 300 . In other words, the second servo unit 12 transmits the settlement request to the clearing bank financial system 300 only when the current time reaches the last predetermined settlement time point in the unit period. Furthermore, when the clearing bank financial system 300 receives the settlement request, the clearing bank financial system 300 executes the first settlement guarantee account 301 and the second inter-bank fund balance according to the first inter-bank fund balance and the second inter-bank fund balance in the settlement request, for example. Transfer processing of foreign currency funds between the second settlement guarantee account 302 (for example, transfer a specific foreign currency of RMB 1,000 from the second settlement guarantee account 302 to the first settlement guarantee account 301, but not limited to this) ), and transmits a settlement success notification corresponding to the settlement request to the second server unit 12 when the foreign currency money transfer process is completed. In addition, the second server unit 12 also transmits a first settlement completion notice and a second settlement completion notice to the first financial system 100 and the second financial system 200 respectively when receiving the settlement success notice, so as to complete the The settlement operation corresponding to the first inter-bank foreign currency transaction record.

The above is an example description of how the foreign currency management system 1 of the present embodiment implements the foreign currency inter-bank withdrawal management part.

Next, referring to FIG. 1 and FIG. 3 at the same time, the following describes the foreign currency inter-bank deposit management part of the foreign currency transaction management method of this embodiment.

First, in step S21, the first server unit 11 receives a foreign currency cash deposit request generated by the ATM 101 according to a user's operation via the first financial system 100, wherein the foreign currency cash deposit The request includes, for example, a requested deposit account information indicating a banking institution and a foreign currency account, a requested deposit currency indicating a foreign currency, and a requested deposit amount corresponding to the requested deposit currency. For the convenience of description, it is assumed here that the bank institution and the foreign currency account indicated by the request for depositing the account data in this embodiment are the second bank institution B2 and the target foreign currency account 201 respectively. In addition, the foreign currency indicated by the deposit currency in the request is, for example, the specific foreign currency described in this embodiment.

More specifically, for example, the user may first insert a financial card issued by the second banking institution B2 and corresponding to the target foreign currency account 201 into the ATM 101 and then perform the relevant manual operations for depositing (for example, Input the password of the financial card, select the foreign currency deposit option, and put the foreign currency cash to be deposited into the cash slot after the cash inlet of the ATM 101 is opened). The foreign currency cash in the banknote port executes an automatic banknote counting procedure to confirm the denomination and quantity of the foreign currency cash, then generates the requested deposit amount according to the execution result of the automatic banknote counting procedure, and generates and transmits the foreign currency cash deposit request to the first A servo unit 11 .

After the first servo unit 11 receives the foreign currency cash deposit request, the flow proceeds to step S22.

In step S22, once the first server unit 11 receives the foreign currency cash deposit request, the first server unit 11 identifies the foreign currency cash deposit request request deposit account information according to the institution identification data D1 indicating which account information a banking institution, and when the first server unit 11 determines that the banking institution indicated by the request to deposit account information is the second banking institution B2 according to the institution identification data D1, the first server unit 11 determines that the foreign currency The cash deposit request generates a deposit transaction request corresponding to the foreign currency cash deposit request, and transmits the deposit transaction request to the second financial system 200 managed by the second banking institution B2.

In this embodiment, the deposit transaction request includes, for example, the requested deposit account information, the requested deposit currency and the requested deposit amount. Furthermore, when the second financial system 200 receives the deposit transaction request, the second financial system 200, for example, determines whether the target foreign currency account 201 is in a valid state that allows funds to be deposited. And, if the judgment result of the second financial system 200 is yes, the second financial system 200 executes a deposit process corresponding to the deposit transaction request to the target foreign currency account 201, for example, according to the requested deposit amount of the deposit transaction request, That is, the current balance of the target foreign currency account 201 is added to the requested deposit amount, and the second financial system 200 also transmits another transaction success notification corresponding to the deposit transaction request to the foreign currency management when the deposit processing is completed. The first servo unit 11 of the system 1. It should be added that the manner in which the second financial system 200 determines whether the target foreign currency account 201 is in a valid state is not the focus of this patent specification, so the details thereof will not be described in detail.

After the first server unit 11 transmits the deposit transaction request to the second financial system 200, the process proceeds to step S23.

In step S23, when the first server unit 11 receives another transaction success notification corresponding to the deposit transaction request from the second financial system 200, the first server unit 11 generates and stores the transaction success notification according to another transaction success notification, for example. A deposit permission notification in response to the foreign currency cash deposit request is transmitted to the first financial system 100 . Furthermore, when the first financial system 100 receives the deposit permission notification, the first financial system 100, for example, grants the foreign currency cash deposit request, and controls the ATM 101 to store the foreign currency cash put into the banknote opening. to the banknote cassette included in the ATM 101, and a notification of successful foreign currency cash deposit is displayed, thereby informing the user that the foreign currency cash deposit has been completed.

After the first financial system 100 controls the ATM 101 to store foreign currency cash in the banknote cassette and displays the foreign currency cash deposit successful notification, the process proceeds to step S24.

In step S24 , the first server unit 11 , for example, generates another inter-bank foreign currency transaction record corresponding to the foreign currency cash deposit request, and transmits the other inter-bank foreign currency transaction record to the second server unit 12 . For the convenience of description, the inter-bank foreign currency transaction record is used as a second inter-bank foreign currency transaction record in this embodiment, and the second inter-bank foreign currency transaction record includes, for example, another transaction currency, another agency identification code, Another agency identification code, another first amount to be settled corresponding to the agency identification code, and another second amount to be settled corresponding to the agency identification code of the agency.

For example, it is assumed that the user inserts the financial card issued by the second banking institution B2 into the ATM 101 set up by the first banking institution B1, and transfers the RMB 3,000 through the ATM 101. The specific foreign currency is deposited into the target foreign currency account 201 opened by the second banking institution B2. In this example, the first banking institution B1 is equivalent to acting on behalf of the second banking institution B2 to receive the funds deposited by the user. 3,000 yuan in specific foreign currency cash. Therefore, for this foreign currency deposit operation, the first banking institution B1 is equivalent to an agent banking institution, and the second banking institution B2 is equivalent to an agent banking institution, and the first banking institution B1 should be When the account is settled, a specific foreign currency of 3,000 yuan is paid to the second banking institution B2. Therefore, in this example, the transaction currency of the second inter-bank foreign currency transaction record indicates, for example, the specific foreign currency, and the agency identifier of the second inter-bank foreign currency transaction record indicates, for example, the first banking institution B1, the The agency identification code of the second inter-bank foreign currency transaction record indicates, for example, the second banking institution B2. Further, the first amount to be settled in the second inter-bank foreign currency transaction record corresponds to, for example, the first banking institution B1, For example, it is "-3000", and the second to-be-settled amount of the second inter-bank foreign currency transaction record corresponds to, for example, the second banking institution B2, and is "3000", for example, but not limited thereto.

After the first server unit 11 transmits the second inter-bank foreign currency transaction record to the second server unit 12, the process proceeds to step S25.

In step S25, when the second server unit 12 receives the second inter-bank foreign currency transaction record from the first server unit 11, the second server unit 12, for example, regards the second inter-bank foreign currency transaction record as another transaction record The transaction record to be cleared is added to the transaction record data D2, thereby completing the accounting. Next, the flow proceeds to step S26.

In step S26, when the second servo unit 12 determines that the current time has reached one of a plurality of predetermined clearing time points within a unit period, the second servo unit 12 at least according to the transaction record data D2 of the transaction The clearing processing program is executed for the second inter-bank foreign currency transaction record, so as to complete the clearing operation corresponding to the second inter-bank foreign currency transaction record. Wherein, the unit period represents, for example, a business day, and the predetermined settlement time points may be, for example, 9:00 am, 12:00 noon, and 3:00 pm on the business day, respectively, but not limited thereto. On the other hand, the manner in which the second servo unit 12 executes the clearing processing program has been described in step S16 of the foreign currency inter-bank withdrawal management part, so it will not be repeated here.

To sum up, by implementing the foreign currency transaction management method, the foreign currency management system 1 enables the user to withdraw from the foreign currency account opened by the second banking institution B2 through the ATM 101 provided by the first banking institution B1 The foreign currency cash, or the foreign currency cash is deposited into the foreign currency account opened by the second banking institution B2 through the automatic teller equipment 101 set by the first banking institution B1. In this way, even if the second banking institution B2 does not have any ATM equipment capable of withdrawing foreign currency cash, the user can use the ATM equipment set up by other banking institutions to withdraw and deposit foreign currency cash in an inter-bank manner, and It is not limited by the business hours of banking institutions, whereby the present embodiment does improve the inconvenience of the prior art, and can indeed achieve the purpose of the present invention.

However, the above are only examples of the present invention, which should not limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application for this new model and the contents of the patent specification are still within the scope of the present invention. within the scope of this new patent.

1: Foreign currency management system 11: The first servo unit 12: The second servo unit D1: Institution Identification Information D2: Transaction record information 100: First Financial System 101: Automated Teller Equipment 200: Second Financial System 201: Target foreign currency account 300: Clearing Bank Financial System 301: First Settlement Guarantee Account 302: Second Settlement Guarantee Account B1: First Banking Institution B2: Second Banking Institution B3: Clearing Banking Institutions S11~S16: Steps S21~S26: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: FIG. 1 is a schematic block diagram illustrating an embodiment of the novel foreign currency management system, and a first financial system, a second financial system and a clearing bank financial system suitable for cooperation with the embodiment; 2 is a flow chart for exemplarily explaining how the embodiment cooperates with the first financial system, the second financial system and the clearing bank financial system to implement a foreign currency inter-bank withdrawal included in a foreign currency transaction management method Payment Management Section; and 3 is a flow chart for exemplarily explaining how the embodiment cooperates with the first financial system, the second financial system and the clearing bank financial system to implement a foreign currency inter-bank deposit included in the foreign currency transaction management method management section.

1: Foreign currency management system

11: The first servo unit

12: The second servo unit

D1: Institution Identification Information

D2: Transaction record information

100: First Financial System

101: Automated Teller Equipment

200: Second Financial System

201: Target foreign currency account

300: Clearing Bank Financial System

301: First Settlement Guarantee Account

302: Second Settlement Guarantee Account

B1: First Banking Institution

B2: Second Banking Institution

B3: Clearing Banking Institutions

Claims (5)

A foreign currency management system, comprising a first server unit, the first server unit stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for a first financial system and a second The financial system is electrically connected, the first financial system is electrically connected to an ATM, and the first financial system and the ATM belong to a first banking institution among the banking institutions, and the second financial system belongs to A second banking institution among the banking institutions; wherein the first servo unit is used for: Receive, via the first financial system, a foreign currency cash withdrawal request generated by the ATM according to the user's operation, wherein the foreign currency cash withdrawal request includes a request to withdraw account information indicating a banking institution, a Indicates the requested withdrawal currency of a foreign currency, and a pair of requested withdrawal amounts of the currency that should be requested to be withdrawn; When the first server unit determines, according to the institution identification data, that the banking institution indicated by the requested account withdrawal information is the second banking institution, the first server unit generates and transmits a message including the requested account withdrawal information, The withdrawal transaction request for the requested withdrawal currency and the requested withdrawal amount is sent to the second financial system; and When the first server unit receives a transaction success notification from the second financial system corresponding to the withdrawal transaction request, the first server unit transmits a withdrawal request corresponding to the foreign currency cash withdrawal according to the transaction success notification A permission notification is sent to the first financial system, wherein the withdrawal permission notification is used for the first financial system to control the ATM to output foreign currency cash that matches the requested withdrawal currency and the requested withdrawal amount. The foreign currency management system of claim 1, wherein the requested withdrawal account data of the withdrawal transaction request further indicates a target foreign currency account stored in the second financial system, and the withdrawal transaction request is made with for the second financial system to judge whether the balance of the target foreign currency account is greater than or equal to the requested withdrawal amount, and when the judgment result is yes, perform a pair of deduction processing for the target foreign currency account in response to the withdrawal transaction request, and at When the debit processing is completed, the transaction success notification is sent to the first server unit. The foreign currency management system according to claim 1, further comprising a second server unit electrically connected to the first server unit, the second server unit stores a pair of transaction record data corresponding to the request for currency withdrawal, and the transaction record The data includes a pair of first inter-bank fund balances corresponding to the first banking institution and a pair of second inter-bank fund balances corresponding to the second banking institution, and the second server unit is used for: transmitting the withdrawal permission at the first server unit After the notification is sent to the first financial system, a pair of inter-bank foreign currency transaction records corresponding to the foreign currency cash withdrawal request are added to the transaction record data, and when the current time reaches a predetermined clearing time point within a unit period, at least according to the The inter-bank foreign currency transaction record executes a clearing process, thereby updating the first inter-bank fund balance and the second inter-bank fund balance of the transaction record data. The foreign currency management system of claim 3, wherein: The second servo unit is also suitable for electrical connection with a clearing bank financial system belonging to a clearing bank institution, wherein the clearing bank financial system stores a pair of first settlement guarantee accounts corresponding to the first banking institution and a pair of corresponding The second settlement guarantee account of the second banking institution; When the current time reaches the last of a plurality of predetermined settlement time points within the unit period, the second server unit also generates and transmits a settlement request including the first inter-bank fund balance and the second inter-bank fund balance to the A clearing bank financial system, wherein the settlement request is used for the clearing bank financial system to execute foreign currency money transfer processing between the first settlement guarantee account and the second settlement guarantee account. A foreign currency management system, comprising a first server unit, the first server unit stores an institution identification data indicating a plurality of different banking institutions, and the first server unit is suitable for a first financial system and a second The financial system is electrically connected, the first financial system is electrically connected to an ATM, and the first financial system and the ATM belong to a first banking institution among the banking institutions, and the second financial system belongs to A second banking institution among the banking institutions; wherein the first servo unit is used for: Receive, via the first financial system, a foreign currency cash deposit request generated by the ATM according to a user's operation, wherein the foreign currency cash deposit request includes a request to deposit account information indicating a banking institution, a Indicates the requested deposit currency of a foreign currency, and a pair of requested deposit amounts in the requested deposit currency, and the requested deposit amount is generated by the ATM based on the foreign currency cash deposited into itself ; When the first server unit determines that the banking institution indicated by the request to deposit account data is the second bank institution according to the institution identification data, the first server unit generates and transmits a message including the request to deposit account information, the deposit transaction request for the requested deposit currency and the requested deposit amount to the second financial system; and When the first server unit receives a transaction success notification corresponding to the deposit transaction request from the second financial system, the first server unit transmits a deposit permission corresponding to the foreign currency cash deposit request according to the transaction success notification The notification is sent to the first financial system, wherein the deposit permission notification is used for the first financial system to control the ATM to store foreign currency cash deposited into the ATM.

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