TWM651491U - Foreign currency scheduled withdrawal device - Google Patents

Abstract

A foreign currency scheduled withdrawal device. The main technology is that the user device is used to execute an online banking mobile program to generate a scheduled withdrawal signal. The scheduled withdrawal signal has a foreign currency currency and denomination, an address information, and a withdrawal selection. Receive time and an account number, wherein the address information corresponds to the installation location of one of the bank's ATMs. The bank server electrically connects to the user device to receive the scheduled withdrawal signal, and generates a setting signal to the bank's automatic teller machine indicated by the address information based on the scheduled withdrawal signal, and sets the bank's automatic teller machine to the bank's automatic teller machine. When selecting the withdrawal time, you can provide foreign currency cash according to the user password corresponding to the account. The foreign currency cash corresponds to the foreign currency currency and denomination. After completing the online reservation setting, the foreign currency will be sent to the designated convenience store to achieve ultra-convenient foreign currency withdrawal services. .

Description

Foreign currency reservation withdrawal equipment

The invention relates to a foreign currency commodity technology, in particular to a foreign currency reservation withdrawal equipment.

The existing automatic teller machines (hereinafter referred to as ATMs) that can withdraw foreign currency are installed at fixed points and are not popular, which makes it impossible to meet the needs of customers who want to purchase foreign currency cash. In the previous case CN113159959A, a foreign exchange product recommendation method using artificial intelligence is mentioned , and can use machine learning to train a popular product prediction model to predict customer product information for one or more popular products in the second period. The specific technology is to use the popular product prediction module to predict the foreign exchange input in the first period. Product information data, output the product information of one or more popular products in the second cycle, and then use the user product preference determination module to determine the product information based on the user portrait data of each user and the product information of each popular product in the second cycle. Determining how much each user likes each popular product in the second cycle still cannot achieve the purpose of conveniently withdrawing foreign currency. Therefore, how to make the client no longer worry about running to the bank to exchange foreign currency is the current research direction.

Therefore, an object of the present invention is to provide a foreign currency reservation withdrawal device that can overcome the shortcomings of the prior art.

Therefore, the foreign currency scheduled withdrawal equipment includes multiple ATMs of the bank, a user device, and a bank server.

The user device is used to execute an online banking mobile program and generate a scheduled withdrawal signal. The scheduled withdrawal signal has a foreign currency currency and denomination and an address information and a selected withdrawal time and an account number, wherein the address The information corresponds to the installation location of one of the bank's ATMs.

The bank server electrically connects to the user device to receive the scheduled withdrawal signal, and generates a setting signal based on the scheduled withdrawal signal to the bank's automatic teller machine indicated by the address information to set the bank's automatic cash withdrawal. When the withdrawal time is selected, the machine is used to provide foreign currency cash based on the user password corresponding to the account, and the foreign currency cash corresponds to the foreign currency currency and the denomination.

The function of this new model is that by connecting the user device to the bank server, the user can set up the delivery of foreign currency to a designated convenience store to achieve a super convenient foreign currency withdrawal service.

Before the present invention is described in detail, it should be noted that similar components are represented by the same numbers in the following description.

Referring to Figure 1, for an embodiment of the application of the new foreign currency reservation withdrawal equipment, 7-11 convenience stores equipped with our bank's automatic teller machines (hereinafter referred to as ATMs) are highly densely populated throughout Taiwan and have 24-hour services. After providing customers with online foreign exchange settlement, they can reserve the foreign currency currency and denomination, and can designate a specific 7-11 convenience store to withdraw it within the specified period. Combined with an ATM or a small electronic safe deposit box, after receiving the customer's appointment, the security deposit box will be delivered to At a designated location, the foreign currency scheduled withdrawal equipment includes a plurality of our bank's automatic teller machines 1, a user device 2, a bank server 3 connected to the user device 2 through the network, and an electronic safe deposit box 4. This embodiment has two implementation modes. The first is to execute an online banking mobile program to reserve a foreign currency withdrawal, and the second is to execute an Apple communication software (APPLE Business Chat, ABC) to reserve a foreign currency withdrawal. This will be explained further below.

The first implementation mode of this embodiment is that each bank's automatic teller machine 1 is installed in a convenience store (7-11), and has a display interface and an input interface, and the input interface is used to receive an associated In the foreign currency withdrawal instruction of the scheduled withdrawal signal, the display interface is used to display the foreign currency withdrawal information.

The user device 2 executes an online banking mobile program to generate exchange information to the bank server 3. In this embodiment, the user device 2 is a mobile phone or tablet. The exchange information includes the account number and login password and the amount of foreign currency exchanged. , the bank server 3 receives the exchange information, and verifies the exchange information to generate a confirmation signal and sends it to the user device 2. After the bank server 3 verifies the exchange information, it will provide a selection message to the user device. 2. The selection message provides users with the choice of withdrawing money at the bank or at our bank’s ATM 1. The user device 2 executes an online banking mobile program based on the confirmation signal to generate a scheduled withdrawal signal. The scheduled withdrawal signal has a foreign currency currency and denomination and an address information and a selected withdrawal time and an account number, wherein , the address information corresponds to the installation location of one of the plurality of ATMs 1 of the Bank. For example, if the ATM is set up in a location with convenient transportation in the urban area, the default withdrawal time range is that the fastest withdrawal time is after the first day, and the latest withdrawal time is until the fifth day. For ATMs set up in remote mountainous areas, the default withdrawal time range is that the fastest withdrawal time is after the second day, and the latest withdrawal time is until the fifth day.

The bank server 3 has a database and an artificial intelligence analysis algorithm. The bank server 3 receives the scheduled withdrawal signal and generates a setting signal based on the scheduled withdrawal signal to the bank automatically indicated by the address information. ATM 1, set the bank's ATM 1 to provide foreign currency cash according to the user password corresponding to the account at the selected withdrawal time, and the foreign currency cash corresponds to the foreign currency currency and the denomination, further Specifically, when the user device 2 completes the reservation, the bank server 3 sends a reservation withdrawal number to the user device 2, and the reservation withdrawal number is used to withdraw the reservation from the designated ATM 1 of the bank. For foreign currency cash, the reservation withdrawal number is a Quick Response Code. The database is used to record the exchange information. The artificial intelligence (hereinafter referred to as AI) analysis algorithm analyzes the exchange information in the database to generate push information. The push information includes exchange rate information and procedures. Fee discount information, for example, based on the customer's currency exchange time point and amount, predict the next time the customer will need to exchange currency, and provide push messages for currency exchange at the predicted time point.

The electronic safe deposit box 4 is used to store the foreign currency cash. When the user device 2 completes the reservation, the bank server 3 receives the customer reservation, and then the security deposit box 4 is sent to a designated location, such as a convenience store.

The second implementation mode of this embodiment is that the user device 2 executes an Apple communication software. The Apple communication software is used to send text information of a relevant foreign currency withdrawal message to the bank server 3. The bank server 3 An artificial intelligence robot triggers a foreign currency transaction function based on the text information. When the user device 2 passes an identity authentication, the bank server 3 sends a foreign currency transaction field information to the user device 2. The foreign currency transaction field Bit of information related to this foreign currency trading function. When the user device 2 generates a reply message corresponding to the foreign currency transaction field information to the bank server 3, the bank server 3 authenticates the reply message and causes a display interface of the user device 2 to return to the Apple Communication A dialogue interface of the software. When the Apple communication software sends a withdrawal selection signal to the bank server 3, the withdrawal selection signal has a withdrawal location and a withdrawal time, and the bank server 3 sends a reservation. The withdrawal number is sent to the user device 2, and the reserved withdrawal number is used to withdraw the foreign currency cash from the designated ATM 1 of the bank.

To sum up, the above embodiment has the following advantages: 1. The client no longer has to worry about running to the bank to exchange foreign currency. It can use the user device 2 to connect to the bank server 3, and then it can set the foreign currency to be sent to the designated convenience store. Achieve ultra-convenient foreign currency withdrawal services. 2. In addition to setting differentiated fee income with the counter, the bank can also record the customer's foreign currency needs based on the customer's scheduled currency exchange habits, analyze and predict the customer's foreign exchange settlement needs through AI, and further proactively promote exchange rates and Discounted handling fees attract customers to settle and exchange foreign exchange with our bank.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

1: Our bank’s ATM 2: User device 3:Bank server 4: Electronic safe deposit box

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a system diagram of an embodiment of the new foreign currency reservation and withdrawal equipment.

1: Our bank’s ATM

2: User device

3:Bank server

4: Electronic safe deposit box

Claims (10)

A foreign currency scheduled withdrawal device, including: a plurality of automatic teller machines of the bank; a user device used to execute an online banking mobile program to generate a scheduled withdrawal signal, the scheduled withdrawal signal has a foreign currency currency and A denomination and an address information and a selected withdrawal time and an account number, wherein the address information corresponds to the installation location of one of the bank's automatic teller machines; a bank server electrically connected to the user device, To receive the scheduled withdrawal signal, and generate a setting signal to the bank's automatic teller machine indicated by the address information based on the scheduled withdrawal signal, and set the bank's automatic teller machine to use when selecting the withdrawal time. The foreign currency cash is provided according to the user password of a pair of the account, and the foreign currency cash corresponds to the foreign currency currency and the denomination. The foreign currency reservation withdrawal device described in claim 1, wherein the user device executes the online banking mobile program to generate a currency exchange information to the bank server, and the currency exchange information has the account number and login password and the amount of foreign currency exchange. , the bank server receives the exchange information, and verifies the exchange information to generate a confirmation signal and send it to the user device. The foreign currency reservation withdrawal device described in claim 2, wherein the bank server has a database and an artificial intelligence analysis algorithm. The database is used to record the exchange information, and the artificial intelligence analysis algorithm analyzes the exchange information. The exchange information in the database is analyzed to generate push information, which includes exchange rate information and handling fee discount information. The foreign currency reservation withdrawal device described in request item 3, wherein the bank server sends the push information to the user device, and the online banking mobile program pushes the push information to display on a screen interface. The foreign currency scheduled withdrawal equipment as described in claim 1, wherein each of the bank's automatic teller machines has a display interface and an input interface, and the input interface is used to receive a foreign currency withdrawal signal related to the scheduled withdrawal signal. The display interface is used to display foreign currency withdrawal information. For the foreign currency reservation withdrawal device described in claim 1, when the user device completes the reservation, the bank server sends a reservation withdrawal number to the user device, and the reservation withdrawal number is used to automatically transfer the reservation to the designated bank. Withdraw the foreign currency cash from the cash machine. For the foreign currency reservation withdrawal equipment described in request item 6, the reservation withdrawal number is a quick response code. For the foreign currency reservation withdrawal device described in request item 1, the user device executes an Apple communication software, and the Apple communication software is used to send text information of a relevant foreign currency withdrawal message to the bank server, and a part of the bank server The artificial intelligence robot triggers a foreign currency transaction function based on the text information. When the user device passes an identity authentication, the bank server sends a foreign currency transaction field information to the user device. The foreign currency transaction field information is related to the user device. Foreign currency trading function. For the foreign currency reservation withdrawal device described in claim 8, when the user device generates a reply message corresponding to the foreign currency transaction field information to the bank server, the bank server authenticates the reply message so that the user device A display interface returns to a conversational interface of the Apple communication software, when the The Apple communication software sends a withdrawal selection signal to the bank server. The withdrawal selection signal has a withdrawal location and a withdrawal time. The bank server sends a reservation withdrawal number to the user device. The reservation The withdrawal number is used to withdraw the foreign currency cash from the designated ATM of the bank. The foreign currency reservation withdrawal device described in claim 1 also includes an electronic safe box for storing the foreign currency cash.

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