TW201642188A - Finance service system and method - Google Patents

Abstract

A finance service system and method is applied in the environment in which users can withdraw cash via third party payment at traveling location. With utilization of finance service system and method according to the invention, users can utilize withdraw terminal to withdraw cash of traveling location currency during traveling and carry out account debits for withdrawn cash amount at local currency through third party payment. Accordingly, users do not have to carry out cash withdraw or currency exchange at local banks/money exchange offices in travel location.

Description

Financial service system and method

The present invention relates to a financial service system and method, and more particularly to a financial service system and method for a user to obtain a cash environment by a third party payment method at a tourist location, and the user can utilize Leading the terminal and withdrawing the cash value of the local currency of the tour, and deducting the amount of the local currency cash amount from the account, and deducting the account by means of a third party payment.

In the current third-party payment transaction environment, for example, Taobao online shopping, although the third-party payment function provided by the online trading platform, for example, Alipay, can be used for online transactions, however, it is not possible to provide cash withdrawal. Functionality, in other words, the transaction services currently available for third-party payments are only for online shopping transactions.

Moreover, as far as the current third-party payment is concerned, for example, Alipay, although the red-box business is sent on the cable, the mode of operation is still the transfer service of the third-party payment platform, not the concept of innovation, in other words. At present, third-party payment, for example, Alipay, the red envelope function that can be provided is still the transfer service of the third-party payment platform, and cannot provide the function of cash withdrawal.

In addition, as for the current credit card pre-borrowing cash, for example, the cash handling fee for each credit of China Trust Credit Card is 3.5% + 150 yuan per cash advance, and the more the cash withdrawal, the corresponding fee. Increase, and this kind of cash withdrawal billing method is not for the user. It is a cost-effective option.

In the invention announcement/publication 554300 "Transnational Transaction Payment System" of the Republic of China Patent Gazette, the prior art disclosed is to provide a multinational transaction payment system that allows users to conduct transactions outside their home network merchants. You can also go to the Internet merchants in other countries to conduct transactions through the Internet; in addition, you can let foreign consumers, when you go to the online store to trade, just enter the payment account (such as the telecom account) used in the local country. ) and its associated authentication information to complete the entire transaction process; then, through the mobile phone, WAP mobile phone, 3G mobile phone, PDA, WebBrowser, local telephone and email, etc. to complete the payment process and access services. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.

In the invention of the Republic of China Patent Gazette/Public I262415 "Method of Inter-bank Consumption of IC Cards", the prior art disclosed is a method for providing inter-bank consumption of an IC card, which can utilize an IC card for any Consumer behavior in the environment, such as mobile or fixed telecommunications systems, ATMs, personal digital assistants (PDAs), and the Internet to provide a user with a convenient The method of good consumption; in addition, the method of inter-bank consumption of IC cards uses an IC card security mechanism to expand the scope of use of IC cards, such as: pure financial behavior, to expand to a consumer behavior to provide a The user has a method of excellent consumer safety. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.

In the invention announcement of the Republic of China Patent Gazette/Public I382365 "Cardless Electronic Wallet System", the prior art disclosed is a cardless electronic wallet system including a management platform connected to an electronic money depositing operation platform. And a stored value platform, wherein the management platform stores The user information and the corresponding deposit amount are stored. When the consumer wants to store the value, the electronic money deposit operation platform generates a stored value data including the stored value and the user information for the consumer. In order to pay the required amount, if the stored value platform obtains the stored value data, the management platform will add the stored value to the corresponding deposit amount; when the consumer wants to withdraw the electronic money, the electronic money deposit and operation platform order The management platform subtracts the required amount from the corresponding deposit amount, and provides a tangible electronic money token with the required amount for the consumer to pay for the electronic money token. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.

In the invention announcement of the Republic of China Patent Gazette/Public I462047 "Online Trading Method and Online Trading System for Realizing Overseas Transactions", the disclosed prior art is the operation mode of overseas Alipay (Overseas Transaction Alipay): (1) The user logs in to the overseas trading website and sends the selected product information; (2) the overseas trading website sends a transaction request to the intermediate platform; (3) the intermediate platform receives the transaction request, and first calculates the foreign currency exchange rate obtained from the financial platform in advance. The amount of the domestic currency of the transaction, and then the amount of the domestic currency of the transaction is displayed to the authenticated user; (4) After receiving the payment confirmation from the user, the intermediate platform passes the corresponding domestic currency amount in the corresponding account of the user through the financial The platform purchases the foreign currency into the corresponding currency operation; (5) the intermediate platform sends the transaction information of the successful payment to the overseas transaction website for the overseas transaction website to carry out the delivery processing; (6) the intermediate platform and the overseas transaction website complete the liquidation and division according to the cycle operating.

In the invention publication of the Republic of China Patent Publication No. I464699, "Payment System and Method for Trading Using an Identity Card Containing an IC Card", the conventional technique disclosed is a payment method for conducting a transaction using an identity card including an IC card. , including: (1) the identity card reader reads the user identity information containing the user ID number; (2) the user identity information and the merchant input transaction The amount is encrypted with a preset first encryption key, the account password input by the user is encrypted by the bank encryption key corresponding to the card issuing bank, and transmitted to the intermediate platform; (3) the intermediate platform decrypts the received information, And transmitting the transaction information including the identity card information, the account password, and the transaction amount to the corresponding card issuing subsystem; (4) if the transaction information does not include the bank account number, the card issuing subsystem searches for the bank account corresponding to the user identity card number, Check the decrypted account password, process the transaction and return the transaction processing result.

In the invention announcement/publication 201423625 of the Republic of China Patent Gazette, the "transaction system for applying virtual account balances to physical shopping and its method", the prior art disclosed is that the user has an account of a third-party payment platform, and Applying a set of virtual card numbers to the third-party payment platform through the account number and password of the account; at the time of the transaction, the endpoint sales device can accept the input of the virtual card number, and after discriminating the acquiring bank according to the virtual card number, transmitting the consumption information to the bank server The bank server transmits the consumption information to the card number management server, and then the card number management server transmits to the third party payment platform to calculate the account number and password of the corresponding account for the virtual card number. The transaction can be established when the third party payment platform confirms that the balance in the account is sufficient to pay for the transaction. The invention announcement/publication 201423625 of the Republic of China Patent Gazette is for the virtual account balance to be used for physical shopping. However, the physical consumption information must still be transmitted to the bank server, and the bank server transmits the consumption information to the card number management server, and then The card number management server is transmitted to a third party payment platform.

Moreover, for the current third-party payment, only online goods online transactions can be made, although the third-party payment function provided by the online trading platform, for example, Alipay, can be used for online transactions, however, the current third-party payment office The only transaction services that can be provided are online shopping transactions; in addition, in the case of current third-party payments, for example, Alipay, although red packets are wired Business, of course, its operation is still the transfer service of the third-party payment platform, and can not provide the function of cash withdrawal; then, in the current credit card pre-borrowing cash, the more the cash withdrawal, the corresponding increase in the handling fee And such cash withdrawal method is not a cost-effective option for users.

Therefore, how to find a financial service system and method that can be used by a user to obtain a cash environment by means of a third-party payment method at a tourist location (foreign/cross-border/transnational) can enable the user to use the terminal when traveling. The cash of the local currency of the tourist is deducted, and the cash amount of the local currency deducted is debited by the third party, so that the user does not need to use the credit card, the ATM card, and the local bank where the tourist is located. The cash exchange department conducts cash withdrawal or currency exchange, and when cash is charged for the fee-based service, there is no need to pay a corresponding increase in the amount of the cash, which can solve the above-mentioned conventional shortcomings, which is a problem to be solved.

The main purpose of the present invention is to provide a financial service system and method, which is applied to an environment in which a user can withdraw cash by means of a third party payment method in a tourist location, and allows the user to utilize the terminal when traveling. Can withdraw the cash value of the local currency of the tourist, and deduct the local currency cash amount from the account, so that the user does not need to use the credit card, the ATM card, and the local bank where the tourist is located. / Currency exchange office for cash withdrawal or currency exchange.

Another object of the present invention is to provide a financial service system and method, which is applied to an environment in which a user can withdraw cash in a place where a tourist can be paid by a third party payment method, and when the user travels in a foreign/cross-border manner, the user The leader terminal proposes a cash withdrawal request (request), and when the cash withdrawal request information is processed, the user's third party payment account will be deducted And the user can withdraw cash in the currency of the travel location corresponding to the amount of the account debited at the withdrawal terminal.

A further object of the present invention is to provide a financial service system and method for use in an environment where a user can withdraw cash in a place where a tourist can be paid by a third party, and the user does not need to use it when traveling in a foreign/cross-border manner. Credit card, ATM card, no need to make cash withdrawal or currency exchange at the local bank/currency exchange where the tour is located, and there is no need to increase the processing fee for the increase in cash amount when cash is charged.

According to the above, the present invention provides a financial service system including a message processing module and a account processing module.

The message processing module, the user uses the pick-up terminal to make a cash withdrawal request, and the message processing module receives the identity verification information and cash withdrawal of the user from the withdrawal terminal by receiving the bank of the terminal. After requesting the information, the message processing module will identify and process the user's authentication information and the cash withdrawal request information, and transmit the information to the third-party payment provider by means of message transfer, when the third-party payment provider approves the cash withdrawal. After receiving the request, the request reply message will be transmitted to the message processing module, so that the message processing module can transmit the request request reply message to the bank of the claim terminal, and the bank to which the terminal belongs can be allowed to use. The debiting terminal can withdraw the cash value of the local currency of the tour; and the message processing module is responsible for processing the message transmission processing of all the information in the process of the user using the withdrawal terminal for the field/cross-border/transnational cash withdrawal process, including User authentication information and cash withdrawal request information, between the bank of the withdrawal terminal and the third party payment Between the person and message transfer judgment processing.

The account processing module records the cash withdrawal transaction information of the user via the message processing module, and the request reply message, and is responsible for providing each The user between the bank to which the leader terminal belongs and the third-party payment provider withdraws the transaction information to the bank settlement agent bank to which the terminal is located, as the bank settlement settlement bank and the third-party payment provider's subsequent settlement of the account settlement The main basis.

When using the financial service system of the present invention to perform the financial service method flow, first, a cash withdrawal request action is performed; the user uses the withdrawal terminal to make a cash withdrawal request, and the message processing module receives the bank, and the bank to which the terminal is located is received. After the user's authentication information and the cash withdrawal request information are obtained from the terminal, the message processing module performs the identification processing on the user's authentication information and the cash withdrawal request information, and transmits the message by way of message transfer. Send it to a third-party payment provider.

Then, the financial processing action is performed; the third-party payment provider receives the user's authentication information and the cash withdrawal request information, and after the user identity verification and the cash withdrawal request are checked and approved, the withdrawal request is replied. The message is transmitted to the message processing module, so that the message processing module can transmit the request request reply message to the bank of the claim terminal, and the bank to which the terminal is located can allow the user to withdraw the value of the travel destination at the withdrawal terminal. cash.

In addition, the account processing module records the cash withdrawal transaction information of the user via the message processing module, and the request reply reply message, and is responsible for providing the use between the bank of each withdrawal terminal and the third party payment provider. The cash withdrawal transaction information is provided to the bank/clearing agent bank to which the terminal is located, as the main basis for the subsequent settlement of the account settlement process by the bank/clearing agent bank and the third party payment provider.

Here, the third-party payment provider deducts the user's third-party payment account by the third-party payment according to the local currency cash amount that the user has withdrawn, and processes the subsequent settlement of the account settlement.

In order to make the person skilled in the art understand the purpose, features and effects of the present invention, the present invention will be described in detail by the following specific embodiments and the accompanying drawings.

1‧‧‧Financial Service System

2‧‧‧Message Processing Module

3‧‧‧Accounting Processing Module

4‧‧‧Server

5‧‧‧Users

6‧‧‧Retracting terminal

7‧‧‧ Third party payers

8‧‧‧ Third party payers

9‧‧‧ Third party payers

51‧‧‧Identification Information

52‧‧‧Identification Information

53‧‧‧Identification Information

61‧‧‧Cash withdrawal request information

62‧‧‧Cash withdrawal request information

63‧‧‧Cash withdrawal request information

71‧‧‧Reply request reply message

72‧‧‧Reply request reply message

73‧‧‧Reply request reply message

101 102‧‧‧Steps

201 202‧‧‧Steps

301 302‧‧‧Steps

401 402‧‧‧Steps

Figure 1 is a system diagram showing the system architecture and operation of the financial services system of the present invention.

Figure 2 is a flow chart showing the flow of steps for a financial services method using the financial services system of the present invention as in Figure 1.

Figure 3 is a schematic diagram showing an embodiment of the financial services system of the present invention and its operation.

Figure 4 is a flow chart showing a flow of steps for implementing a financial services method using an embodiment of the financial services system of the present invention as in Figure 3.

Figure 5 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation.

Figure 6 is a flow chart showing still another flow of steps for performing a financial service method using yet another embodiment of the financial services system of the present invention as in Figure 5.

Figure 7 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation.

Figure 8 is a flow chart showing still another flow of steps for performing a financial service method using yet another embodiment of the financial services system of the present invention as in Figure 5.

Figure 1 is a system diagram showing the system architecture and operation of the financial services system of the present invention. As shown in FIG. 1, the financial service system 1 includes a message processing module 2 and a account processing module 3. Here, the message processing module 2 and the account processing module 3 are computer hardware, At least one of firmware and software; and, here, the financial service system 1 can be one of a server, a desktop computer, a notebook computer, and a large computer hosting service system, or The Financial Services System 1 is one of the server, desktop, notebook, and large computer hosting systems, depending on the actual implementation.

The message processing module 2, the user (not shown) uses a pick-up terminal (not shown) to make a cash withdrawal request, and the message processing module 2 receives the bank to which the terminal is located (not shown). After the authentication information (not shown) of the user from the terminal and the cash withdrawal request information (not shown), the message processing module 2 authenticates the information for the user. And the cash withdrawal request information is discriminated and transmitted to the third-party payment provider (not shown) by means of message transfer. When the third-party payment provider approves the cash withdrawal request, the request will be sent back. (not shown) is transmitted to the message processing module 2, so that the message processing module 2 can transmit the request for reply request to the bank to which the claim terminal belongs, and the bank to which the terminal is located can allow the user to The terminal terminal can withdraw the cash value of the local currency of the tour; and the message processing module 2 is responsible for processing the message transmission processing of all the information in the process of using the withdrawal terminal for the foreign/cross-border/transnational cash withdrawal process, including the user. of The authentication information and the cash withdrawal request information are between the bank of the withdrawal terminal and the third party payment provider.

The account processing module 3 records the cash withdrawal transaction information of the user via the message processing module 2, and the request reply message, and is responsible for providing The cash withdrawal transaction information between the bank of each withdrawal terminal and the third-party payment provider to the bank/clearing agent bank (not shown) of the withdrawal terminal as the bank/clearing agent bank and the The main basis for the subsequent settlement of accounts by the three parties.

Here, the third-party payment provider deducts the user's third-party payment account by the third-party payment according to the local currency cash amount drawn by the user, and processes the subsequent settlement of the account settlement.

In the present invention, the user's travel at the tourist destination is one of foreign travel, cross-border travel, and cross-border travel, and the financial service of the present invention can be utilized when the user travels in a foreign/cross-border/transnational manner. System 1, there is no need to use the credit card, ATM card for cash withdrawal, due to the increase in cash amount, the corresponding increase in the handling fee, and the user can use the withdrawal terminal to withdraw the cash value of the travel location, and will mention The local currency cash amount of the collar is debited by the third party payment method, so that the user does not need to carry out cash withdrawal or currency exchange at the local bank/currency exchange location where the tourist is located.

Figure 2 is a flow chart showing the flow of steps for a financial services method using the financial services system of the present invention as in Figure 1. As shown in FIG. 2, first, in step 101, a cash withdrawal request action is performed; the user uses the withdrawal terminal to make a cash withdrawal request, and the message processing module 2 receives the bank, which is based on the bank to which the terminal is located. After the authentication information of the user and the cash withdrawal request information are obtained from the terminal, the message processing module 2 performs the identification processing on the user's authentication information and the cash withdrawal request information, and transmits the message by way of message transfer. Transfer it to the third party payer and proceed to step 102.

In step 102, a financial processing action is performed; the third-party payment provider receives the user's authentication information and the cash withdrawal request information, and performs user identity verification and current After the check and approval of the request for the withdrawal of the gold, the request reply message will be transmitted to the message processing module, so that the message processing module can transmit the request for reply request to the bank of the claim terminal, and the terminal belongs to the terminal. The bank may allow the user to withdraw cash from the currency of the travel destination at the withdrawal terminal.

In addition, the account processing module 3 records the cash withdrawal transaction information of the user via the message processing module 2, and the request reply reply message, and is responsible for providing the bank between the bank of each withdrawal terminal and the third party payment provider. The user's cash withdrawal transaction information and/or withdrawal request reply message is sent to the bank/clearing agent bank of the withdrawal terminal as the subsequent settlement of the bank settlement/banking agency bank and the third party payment provider. mostly according.

Here, the third-party payment provider deducts the user's third-party payment account by the third-party payment according to the local currency cash amount that the user has withdrawn, and processes the subsequent settlement of the account settlement.

Figure 3 is a schematic diagram showing an embodiment of the financial services system of the present invention and its operation. As shown in FIG. 3, the financial service system 1 includes a message processing module 2 and a account processing module 3, and the financial service system 1 can be a server, a desktop computer, a notebook computer, and a large computer. One of the host service systems, or the financial service system 1 is located in one of a server, a desktop computer, a notebook computer, and a large computer host service system; in this embodiment, the financial service system 1 The server 4 is located in the server 4, and the message processing module 2 and the account processing module 3 are composed of at least one of a computer hardware, a firmware, and a software.

The message processing module 2, the user from mainland China who travels in Taiwan 5, uses the pick-up terminal 6 to make a cash withdrawal request, where the pick-up terminal 6 can be, for example, gold a third-party payment electronic device of a financial institution counter, an ATM, a supermarket or a physical store that provides for sale or purchase; the message processing module 2 receives the signal through a server (not shown), for example, the server can be The bank to which the terminal is located (for example, the first bank in Taiwan where the tourist is located, the local financial institution/bank in Taiwan), or the server that is the terminal of the super-commercial terminal 6 (third-party payment electronic device) 11 The company of the super-business, after the authentication information 51 and the cash withdrawal request information 61 of the user who has received the terminal 6, the message processing module 2 will provide the user's authentication information 51 and cash withdrawal. The request information 61 performs the discrimination processing, and transmits the authentication information 51 and the cash withdrawal request information 61 to the third-party payment provider 7 in a message transfer manner, for example, Alipay; when the third-party payment provider 7 receives the authentication information 51 and the cash withdrawal After requesting information 61, after the user identity verification and the cash withdrawal request are checked and approved, the request response message 71 is transmitted to the message processing module 2 to The message processing module 2 can transmit the request request reply message 71 to the server (not shown). For example, the server can be the bank to which the terminal is located (for example, the first bank in Taiwan where the tourist location is located, Taiwan's local financial institutions/banks, or the company that is the 7-11 super-business of the terminal 6 (third-party payment electronic device) that the server is super-commercial, and the bank to which the terminal belongs is allowed to allow the user 5 The debiting terminal 6 can withdraw the cash of the Taiwanese currency value of the tourist location; and the message processing module 2 is responsible for processing the message transmission processing of all the information during the cross-border cash withdrawal process by the user 5 using the deferred terminal 6 The user's authentication information 51 and the cash withdrawal request information 61 are between the server (for example, the bank to which the terminal is located, the first bank in Taiwan), and the third party to the third party.

Here, the third-party payment provider 7 deducts the user's 5 third-party payment account by the third-party payment according to the amount of the local Taiwanese currency cash drawn by the user 5, and The subsequent settlement of the account settlement process.

The account processing module 3 records the cash withdrawal transaction information 61 of the user via the message processing module 2, and the request request reply message 71, and is responsible for providing the server (for example, The user who withdraws the terminal bank, the Taiwan First Bank) and the third party payment provider 7 withdraws the transaction information 61 and/or withdraws the request reply message 71 to the server (for example, the bank/clearing of the terminal) The agent bank) is used as the main basis for the subsequent settlement of the account settlement process by the server (for example, the bank/clearing agent bank to which the terminal is attached) and the third party payment provider.

In this embodiment, the server 4 where the financial service system 1 is located may be located at the server end of the claim terminal 6, or at the third party payment provider 7, or at the Taiwan settlement agent bank (for example, Caijin Information Co., Ltd. / Bank of Taiwan) (not shown), or located in China Mainland Clearing Brokerage Bank (for example, People's Bank of China) (not shown), or another financial services third party that is different from third party payer 7 ( (not shown), for example, international card issuer Visa and / or Master and / or JCB, depending on the actual implementation.

The subsequent bill settlement processing handled by the third-party payment provider 7 (for example, Alipay) is based on the third-party payment provider 7, the settlement agent bank of the two banks, the financial service system 1 and the bank of the withdrawal terminal, or At the settlement time agreed between the two establishments, the financial service system 1 sends the information such as the amount of the third-party payment account user 5 to the settlement agent bank of the cross-strait, and conducts settlement of accounts at home or cross-border or internationally. The settlement account includes the amount of the third-party payment account user 5 withdrawal, the settlement agent bank fee, the financial service system 1 processing fee, and the settlement of the bank handling fee of the terminal.

Moreover, in this embodiment, although the user from the mainland China 5 travels The value of the Taiwanese currency in Taiwan is used to withdraw cash in Taiwan using the Alipay account. However, for Taiwanese users to use Taiwan’s Alipay account for cash withdrawals in Taiwan, Taiwanese users to use Alipay accounts in mainland China for cash withdrawals, and for mainland China. In the field (still in mainland China), the use of Alipay account for RMB cash withdrawal is the same, similar to that described in this embodiment, and will not be described here.

In addition, for cross-border withdrawal of cash, for example, users from Taiwan use the Alipay account or the Taiwan third-party payment account for the Japanese currency denomination in the Japanese currency of Hokkaido, where the tourist is located, and, for example, Taiwanese users. In Taiwan, using Alipay account or Taiwan third-party payment account for cash withdrawal in Taiwan, Japanese users use Taiwan Alipay account or Taiwan third-party payment account to withdraw cash in Taiwan, and Japanese users use Alipay in foreign countries (still in Japan) The account or the third-party payment account in Taiwan conducts Japanese currency cash withdrawal, which is the same as that described in the embodiment, and is not described here.

Moreover, although in the present embodiment, the third-party payment provider 7 is Alipay, but for other third-party payment providers, for example, Taiwan third-party payment companies, US third-party payment providers, Japanese third-party payment providers, etc. The same is true, similar to that described in the embodiment, and therefore will not be described again.

In addition, for another financial service third party (not shown) different from the third party payment provider 7, for example, the international card issuing organization Visa and/or Master and/or JCB, the operation principle is the same, similar to the embodiment. The third-party payment industry 7 is the reason, and will not be repeated here.

Moreover, in the present embodiment, although the financial service system 1 is located in the server 4, the financial service system 1 is located in one of a desktop computer, a notebook computer, and a large computer host service system. Or, for the financial service system 1, the system can be a server, a table One of the upper computer, the notebook computer, and the large computer host service system is the same, similar to that described in the embodiment, and will not be described again.

Figure 4 is a flow chart showing a flow of steps for implementing a financial services method using an embodiment of the financial services system of the present invention as in Figure 3.

As shown in FIG. 4, first, in step 201, a cash withdrawal request action is performed; a user 5 from mainland China who travels in Taiwan uses a withdrawal terminal 6 to make a cash withdrawal request, and the message processing module After receiving the authentication information 51 and the cash withdrawal request information 61 of the user from the terminal 6 via the server, the message processing module 2 authenticates the information 51 and the cash for the user. The request information 61 is subjected to the discrimination processing, and the authentication information 51 and the cash withdrawal request information 61 are transmitted to the third party payer 7 in a message transfer manner, and the flow proceeds to step 202.

In step 202, a financial processing action is performed; when the third-party payment provider 7 receives the authentication information 51 and the cash withdrawal request information 61, after the user identity verification and the cash withdrawal request are checked and approved, the The request reply message 71 is transmitted to the message processing module 2, so that the message processing module 2 can transmit the pull request reply message 71 to the server, so that the user 5 can withdraw the Taiwanese currency in the travel terminal 6 Currency in cash.

In addition, the account processing module 3 records the cash withdrawal transaction information 61 of the user via the message processing module 2, and the request request reply message 71, and is responsible for providing the server (for example, the bank to which the terminal is located, The first bank of Taiwan) and the third party of the third-party payment provider 7 receive the transaction information 61 and/or request the reply message 71 to the server (for example, the bank/clearing agent bank of the terminal) As the main basis for the subsequent accounting settlement processing of the server (for example, the bank/clearing agent bank to which the terminal is attached) and the third party payment provider 7.

Here, the third-party payment provider 7 deducts the user's 5 third-party payment account by way of a third-party payment according to the amount of the local Taiwanese currency cash drawn by the user 5, and processes the subsequent settlement of the account settlement.

Figure 5 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation. As shown in FIG. 5, the financial service system 1 includes a message processing module 2 and a account processing module 3. Here, the financial service system 1 can be a server, a desktop computer, a notebook computer, And one of the large computer hosting service systems, or the financial service system 1 is one of a server, a desktop computer, a notebook computer, and a large computer hosting service system; in this embodiment, the financial The service system 1 is located in the server 4, and the message processing module 2 and the account processing module 3 are composed of at least one of a computer hardware, a firmware, and a software.

The message processing module 2, the user from Taiwan who travels in mainland China 5, uses the withdrawal terminal 6 to make a cash withdrawal request 62, where the withdrawal terminal 6 can be, for example, a financial institution counter, ATM withdrawal a third-party payment electronic device of a physical store, a super-commercial or a physical store that provides for sale; the message processing module 2 is received via a server (not shown), for example, the server is the local Chinese people in the mainland of China The bank (the local financial institution/bank in mainland China), or the company that is the 7-11 super-business of the terminal 6 (third-party payment electronic device) that the server is super-commercial, has come from the terminal 6 After the user's authentication information 52 and the cash withdrawal request information 62, the message processing module 2 performs discrimination processing on the user's authentication information 52 and the cash withdrawal request information 62, and authenticates the information by means of message transfer. The information 52 and the cash withdrawal request information 62 are transmitted to the third party payment provider 8, where the third party payment provider 8 is a Taiwan third party payment company, and the third party payment is a third party payment in Taiwan. Taiwan's third The payment mechanism provided by the company; when the third party payment provider 8 receives the authentication information 52 and the cash withdrawal request information 62, after the user identity verification and the cash withdrawal request are checked and approved, The request reply message 72 is transmitted to the message processing module 2, so that the message processing module 2 can transmit the request request reply message 72 to the server. For example, the server can be the bank to which the terminal is located (for the tourist location) The local People's Bank of China (local financial institution/bank in mainland China) in mainland China, or the server side of the 7-11 super-business that belongs to the terminal 6 (third-party payment electronic device) The user 5 can extract the cash of the renminbi denomination in the mainland of China where the travel terminal 6 is located; and the message processing module 2 is responsible for processing the user 5 to use the pick-up terminal 6 for the cross-border cash withdrawal process. The message delivery process includes the user's authentication information 52 and the cash withdrawal request information 62, which is located between the server (for example, the bank of the withdrawal terminal) and the third party. 8 industry message transfer and identification process.

Here, the third-party payment provider 8 deducts the third-party payment account of the third-party payment company of the user 5 in the manner of third-party payment according to the local renminbi cash amount deducted by the user, and processes the subsequent Pick up the bill settlement process.

The account processing module 3 records the cash withdrawal transaction information 62 of the user via the message processing module 2, and the request request reply message 72, and is responsible for providing the server (for example, Cash withdrawal of transaction information 62 and/or withdrawal of request reply message 72 to the server (for example, the bank/clearing agent bank to which the terminal is located), It is used as the main basis for the subsequent bill settlement processing of the server (for example, the bank/clearing agent bank to which the terminal is attached) and the third-party payment provider 8.

In this embodiment, the server 4 where the financial service system 1 is located may be located in the The server of the terminal 6, or the third-party payment provider 8, or the settlement agent bank in Taiwan (for example, Caixin Information Co., Ltd. / Taiwan Bank) (not shown), or the settlement agent bank in mainland China (for example, the People's Bank of China) (not shown), or another financial services third party (not shown) that is different from the third party payment provider 8, for example, the international card issuer Visa and / or Master and / or JCB, depending on the actual implementation.

The third party payment provider for the third-party payment company in Taiwan handles the subsequent settlement of the account settlement. It is based on the third-party payment provider 8, the settlement agent bank of the two banks, the financial service system 1 and the bank of the withdrawal terminal. Or the settlement time agreed by the two establishments, the financial service system 1 sends the information of the amount of the third-party payment account user 5 to the settlement agent bank of the cross-strait, and conducts domestic or international settlement of accounts, The settlement account includes the amount of the third-party payment account user 5 withdrawal, the settlement agent bank fee, the financial service system 1 processing fee, and the settlement of the bank handling fee of the terminal.

Moreover, in the present embodiment, although the user 5 from Taiwan uses the value of the renminbi of the mainland of China where the tourist is located, the third party payment account of Taiwan is used for cash denomination of the renminbi, and for the Taiwanese user to use the third party payment in Taiwan. The account is used for cash withdrawals in Taiwan, Chinese users in Taiwan use Taiwan's third-party payment accounts for cash withdrawals, and mainland Chinese users in the field (still in mainland China) use Taiwan's third-party payment accounts for RMB cash withdrawals. The reason is the same, similar to that described in the embodiment, and is not described here.

In addition, for cross-border withdrawal of cash, for example, users from Taiwan use the Alipay account or the Taiwan third-party payment account for the Japanese currency denomination in the Japanese currency of Hokkaido, where the tourist is located, and, for example, Taiwanese users. Use Alipay account or Taiwan in Taiwan The third-party payment account of the Bay conducts cash debit withdrawal in Taiwan, and Japanese users use Taiwan’s Alipay account or Taiwan’s third-party payment account to withdraw cash in Taiwan. Japanese users use Alipay account or Taiwan third party to pay in other places (still in Japan). The account is denominated in Japanese currency cash, which is the same as that described in the embodiment, and is not described here.

Further, although in the present embodiment, the third party payment provider 8 is a third party payment company in Taiwan, but for other third party payment providers, for example, Alipay, a third party payment provider in the United States, a third party payment provider in Japan, etc. The same is true, similar to that described in the embodiment, and therefore will not be described again.

In addition, for another financial service third party (not shown) different from the third party payment provider 8, for example, the international card issuing organization Visa and/or Master and/or JCB, the operation principle is the same, similar to the embodiment. The third-party payment industry 8 is the reason, and will not be repeated here.

Moreover, in the present embodiment, although the financial service system 1 is located in the server 4, the financial service system 1 is located in one of a desktop computer, a notebook computer, and a large computer host service system. Or, for the financial service system 1 can be one of a server, a desktop computer, a notebook computer, and a large computer host service system, the same, similar to that described in the embodiment, Therefore, we will not repeat them here.

Figure 6 is a flow chart showing still another flow of steps for performing a financial service method using yet another embodiment of the financial services system of the present invention as in Figure 5.

As shown in FIG. 6, first, in step 301, a cash withdrawal request action is performed; a user 5 from Taiwan who travels in mainland China uses the withdrawal terminal 6 to make a cash withdrawal request, and the message processing module After receiving the authentication information 52 and the cash withdrawal request information 62 of the user from the terminal 6 via the server, the message processing module 2 The authentication information 52 and the cash withdrawal request information 62 are discriminated for the user, and the authentication information 52 and the cash withdrawal request information 62 are transmitted to the third-party payment provider 8 in a message transfer manner, and the process proceeds to step 302.

In step 302, a financial processing action is performed; when the third-party payment provider 8 receives the authentication information 52 and the cash withdrawal request information 62, after the user identity verification and the cash withdrawal request are checked and approved, the The request reply message 72 is transmitted to the message processing module 2, so that the message processing module 2 can transmit the request request reply message 72 to the server, so that the user 5 can pick up the location of the tour at the pick-up terminal 6. Cash in China's renminbi currency.

In addition, the account processing module 3 records the cash withdrawal transaction information 62 of the user via the message processing module 2, and the request request reply message 72, and is responsible for providing the server (for example, the bank to which the terminal is attached). And the third party payment provider 8 user's cash withdrawal transaction information 62 and / or withdrawal request reply message 72 to the server side (for example, the withdrawal terminal bank / settlement agent bank) as a server (for example , the main basis for the subsequent settlement of the account settlement process of the bank/clearing agent bank to which the terminal belongs and the third-party payment provider 8.

Here, the third-party payment provider 8 deducts the third-party payment account of the third-party payment company of the user 5 in the manner of third-party payment according to the local renminbi cash amount deducted by the user, and processes the subsequent Pick up the bill settlement process.

Figure 7 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation. As shown in FIG. 7, the financial service system 1 includes a message processing module 2 and a account processing module 3. Here, the financial service system 1 can be a server, a desktop computer, a notebook computer, And one of the large computer hosting service systems, or the financial services system 1 is located in servers, desktop computers, notebook computers, and large computers. One of the host service systems; in this embodiment, the financial service system 1 is located in the server 4, and the message processing module 2 and the account processing module 3 are at least composed of computer hardware, firmware, and software. One of them is composed.

The message processing module 2, the user 5 from Taiwan who travels in Hokkaido, Japan, uses the withdrawal terminal 6 to make a cash withdrawal request. Here, the withdrawal terminal 6 can be, for example, a financial institution counter or an ATM cash machine. a third party payment electronic device of a physical store that provides for sale or purchase; the message processing module 2 receives the identity verification information of the user from the terminal 6 via the server (not shown). After the cash withdrawal request information 63, the message processing module 2 performs a discrimination process on the user's authentication information 53 and the cash withdrawal request information 63. Here, for example, the server may be the bank to which the terminal is to be delineated. (for the Hokkaido Bank in Japan where the tourist is located), or the server side is the 7-11 super-business company to which the terminal 6 (third-party payment electronic device) belongs to the supermarket; the message processing module 2 determines the use Person 5 is a Taiwanese, and the third-party payment provider 9 is a third-party payment company in Taiwan, and transmits the authentication information 53 and the cash withdrawal request information 63 to the third in Taiwan by means of message transfer. The payment provider 9, here, the third-party payment provider 9 is a Taiwanese third-party payment company, the third-party payment is a third-party payment in Taiwan, which is a payment mechanism provided by a third-party payment company in Taiwan; when a third-party payment provider located in Taiwan 9 receiving the authentication information 53 and the cash withdrawal request information 63, after the user identity verification and the cash withdrawal request are checked and approved, the withdrawal request reply message 73 is transmitted to the message processing module 2, In order to enable the message processing module 2 to transmit the request request reply message 73 to the server, for example, the server may be the bank to which the terminal is located (the Hokkaido bank in Hokkaido, Japan), or the server is super. The business side of the 7-11 super-business party to which the terminal 6 (third-party payment electronic device) belongs is provided, so that the user 5 can deduct the terminal 6 The cash processing value of the Japanese Hokkaido currency in the place where the tourist is located; and the message processing module 2 is responsible for processing the information transmission processing of all the information in the process of the multinational cash withdrawal by the user 5 using the withdrawal terminal 6, for example, including On the server side (for example, the authentication information 53 and the cash withdrawal request information 63 of the user who is the bank of the terminal (the Hokkaido Bank in Hokkaido, Japan), and the third party payment provider in Taiwan) Message transfer and discrimination processing.

Here, the third-party payment provider 9 deducts the third-party payment account of the third-party payment company of the user 5 in the third-party payment method according to the local Japanese currency cash amount of the Hokkaido in Japan, and processes the subsequent The settlement of accounts is settled.

The account processing module 3 records the cash withdrawal transaction information 63 of the user via the message processing module 2 and the request request reply message 73, and the account processing module 3 Responsible for transmitting the user's cash withdrawal transaction information 63 and/or the withdrawal request response message 73 to the first country settlement agency bank (Taiwan's settlement agent bank, for example, Taiwan Financial Information Co., Ltd. / Taiwan Bank), and Second Country Settlement Bank (Japan's Settlement Bank, for example, Hokkaido Bank), as a server (detailed terminal bank, for example, Hokkaido Bank in Hokkaido, Japan), First Country Settlement Bank (Taiwan's settlement agent) Banks, for example, Taiwan Financial Information Co., Ltd./Taiwan Bank), Second Country Settlement Bank (Japan's Settlement Bank, for example, Hokkaido Bank), and subsequent settlement with third-party payment providers located in Taiwan The main basis for processing.

In this embodiment, the financial service system 1 can provide transaction information to the first country settlement agent bank (Taiwan's settlement agent bank, for example, Taiwan Financial Information Co., Ltd./Taiwan Bank) and the second country settlement at the appointed time. a correspondent bank (a settlement agent bank in Japan, for example, Hokkaido Bank) for accounting settlement; and a server where the financial service system 1 is located The 4 series can be located at the server end of the pick-up terminal 6 (the bank to which the pick-up terminal belongs, for example, Hokkaido Bank), or at the third-party payment provider 9, or at the first country settlement agent bank (Taiwan's settlement agent bank, for example, Taiwan) Caijin Information Co., Ltd. / Bank of Taiwan), or located in the second country settlement agency bank (Japan's settlement agency bank, for example, Hokkaido Bank), or another financial service third party that is different from the third party payment provider9 (not shown), for example, international card issuer Visa and / or Master and / or JCB, depending on the actual implementation.

The third party payment provider for the third-party payment company in Taiwan handles the subsequent settlement of the account settlement based on the third-party payment provider. 9. The first country settlement agency bank (Taiwan’s settlement agent bank, for example, Taiwan’s financial information shares) Co., Ltd. / Bank of Taiwan), Second Country Settlement Bank (Japan's Settlement Bank, for example, Hokkaido Bank), Financial Services System 1 and the bank of the terminal (Hokkaido Bank, Hokkaido, Japan), jointly agreed or two At the settlement time agreed by the establishment, the financial service system 1 sends the information such as the amount of the third-party payment account user 5 to the first country settlement agent bank (the settlement agent bank in Taiwan) and the second country settlement agency bank (Japan) The settlement agent bank) and the bank to which the terminal is located (Hokkaido Bank, Hokkaido, Japan), for domestic or international settlement of accounts, where the settlement account includes the amount of the third-party payment account user 5, settlement agent The bank fee, the financial service system 1 processing fee, and the settlement of the bank fee for the terminal.

Moreover, in the present embodiment, although the user 5 from Taiwan uses the Japanese third-party payment account of the Japanese currency value of Hokkaido in the tourist location to carry out Japanese currency cash withdrawal, the Taiwanese user uses Taiwan in Taiwan. Three-party payment account for Taiwan dollar cash withdrawal, Japanese users in Taiwan using Taiwan's third-party payment account for Taiwan dollar cash withdrawal, and Japanese users in the field (still in Japan) using Taiwan's third-party payment account for Japanese currency cash withdrawal The reason is the same, similar to that described in the embodiment, and is not described here.

Moreover, although in the present embodiment, the third-party payment provider is a third-party payment company in Taiwan, but for other third-party payment providers, for example, third-party payment providers in the United States, third-party payment providers in Japan, etc., the same is true. Similar to that described in this embodiment, it is not described here.

In addition, for another financial service third party (not shown) different from the third party payment provider 9, for example, the international card issuing organization Visa and/or Master and/or JCB, the operation principle is the same, similar to the embodiment. The third-party payment industry 7 is the reason, and will not be repeated here.

Moreover, in the present embodiment, although the financial service system 1 is located in the server 4, the financial service system 1 is located in one of a desktop computer, a notebook computer, and a large computer host service system. Or, for the financial service system 1 can be one of a server, a desktop computer, a notebook computer, and a large computer host service system, the same, similar to that described in the embodiment, Therefore, we will not repeat them here.

Figure 8 is a flow chart showing still another flow of steps for performing a financial service method using still another embodiment of the financial services system of the present invention as in Figure 7.

As shown in FIG. 8, first, in step 401, a cash withdrawal request action is performed; a user 5 from Taiwan who travels in Hokkaido, Japan, uses the withdrawal terminal 6 to make a cash withdrawal request, the message processing module After receiving the authentication information 53 and the cash withdrawal request information 63 of the user from the terminal 6 via the server, the message processing module 2 will verify the information 53 and the cash for the user. The request information 63 is subjected to the discriminating process, and it is determined that the user 5 is a Taiwanese, and the third-party payment provider 9 used is a third-party payment company in Taiwan, and the authentication information 53 and the cash withdrawal request information are transmitted by means of message transfer. 63 is transmitted to the third party payment provider 9 located in Taiwan, and proceeds to step 402.

In step 402, a financial processing action is performed; when the third-party payment provider 9 located in Taiwan receives the authentication information 53 and the cash withdrawal request information 63, after performing user identity verification and checking and approval of the cash withdrawal request, The request reply reply message 73 is transmitted to the message processing module 2, so that the message processing module 2 can transmit the pull request reply message 73 to the server so that the user 5 can extract the terminal 6 Cash for the value of the Japanese currency in Hokkaido, Japan, where the tourist is located.

In addition, the account processing module 3 records the cash withdrawal transaction information 63 of the user via the message processing module 2, and the request request reply message 73, which is responsible for the user's cash. The withdrawal transaction information 63 and/or the withdrawal request response message 73 is transmitted to the first country settlement agency bank (Taiwan's settlement agent bank, for example, Taiwan Financial Information Co., Ltd. / Taiwan Bank), and the second country settlement agency bank (Japan's settlement agency bank, for example, Hokkaido Bank), as the server (the bank to which the terminal is terminated, for example, Hokkaido Bank in Hokkaido, Japan), the first country settlement agency bank (the settlement agent bank in Taiwan, for example, Taiwanese Finance) Gold Information Co., Ltd. / Bank of Taiwan), Second Country Settlement Bank (Japan's Settlement Bank, for example, Hokkaido Bank), and the main basis for subsequent settlement of accounts with third-party payment providers located in Taiwan.

Here, the third-party payment provider 9 deducts the user's 5 third-party payment account by the third-party payment method according to the local Japanese currency cash amount of the Hokkaido Japan, and processes the subsequent settlement of the account payment. deal with.

In summary of the above embodiments, we can obtain a financial service system and method of the present invention, which can be applied to a user to obtain a third party payment method at a tourist location. In the golden environment, the financial service system and method of the present invention can enable the user to use the withdrawal terminal to withdraw the cash value of the local currency when traveling, and the amount of the local currency cash amount to be deducted. The three-way payment method is used to debit the account, so that the user does not need to carry out cash withdrawal or currency exchange at the local bank/currency exchange location where the tourist is located. The financial service system and method of the present invention includes the following advantages:

1. It allows users to withdraw cash from the local currency of the travel destination by using the terminal when they are in the field/cross-border/transnational travel, and deduct the local currency cash amount from the third-party payment. The user is not required to use a credit card, a withdrawal card, or a cash withdrawal or currency exchange at the local bank/currency exchange where the tour is located.

2. When the user travels in a foreign/cross-border manner, he/she uses the withdrawal terminal to make a cash withdrawal request (request). When the cash withdrawal request information is processed, the user's third-party payment account will be debited and used. The claimant can withdraw cash in the currency of the travel location corresponding to the amount of the account debited.

3. Users do not need to use credit cards, ATM cards, cash withdrawal or currency exchange at the local bank/currency exchange where the tour is located, and do not need to withdraw cash services when they travel in the field/cross-border Due to the increase in cash amount, the corresponding increase in handling fees is paid.

The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the present invention; all other equivalent changes or modifications which are not departing from the spirit of the present invention should be included in the following patents. Within the scope.

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Claims (10)

A financial service method is applied to an environment in which a user can withdraw cash by means of a third party payment method at a place of travel, and the financial service method includes the following procedures: performing a cash withdrawal request action; the user uses the withdrawal terminal to present cash Receiving the request, after receiving the authentication information of the user and the cash withdrawal request information from the withdrawal terminal, discriminating the authentication information and the cash withdrawal request information of the user Transmitting the authentication information and the cash withdrawal request information to a third party payment provider by means of message transfer; and performing a financial processing action; the third party payment provider receives the identity verification information of the user and the cash withdrawal Requesting information, after performing the verification information and checking and approving the cash withdrawal request information, the third party payment provider will transmit the request reply message to the server of the claim terminal for use. In the withdrawal terminal, the cash of the local currency of the tourist can be deducted; wherein the user Travel to the Department of Tourism for foreign travel, cross-border travel, and one of them cross-border travel. The method of claim 1, wherein the third party payment provider pays the third party payment to the third party payment method according to the cash amount of the currency of the travel destination of the user. Debits are processed and the subsequent billing settlement process is processed. The financial service method as described in claim 1, wherein the claim terminal is a financial institution counter, an ATM, a third party payment electronic device, and a third party payment electronic service of the physical store that provides the sale and purchase. One of the devices; the server is one of the bank to which the terminal is deferred, and the company side of the super-business; and the third-party payment provider is Alipay, Taiwan One of a third-party payment company, a third-party payment provider in the United States, and a third-party payment provider in Japan. The financial service method of claim 1, wherein at least one of the cash withdrawal transaction information and the withdrawal request reply message is provided to the bank to which the withdrawal terminal belongs, and at least one At least one of the above settlement agent banks serves as the main basis for the settlement of the settlement of the account with the third party payment provider. A financial service system is applied to an environment in which a user can withdraw cash by a third-party payment method in a tourist location, and includes a message processing module, and the user uses the withdrawal terminal to make a cash withdrawal request, and the message processing module After receiving the identity verification information and the cash withdrawal request information of the user from the withdrawal terminal, the group performs identification processing on the identity verification information of the user and the cash withdrawal request information, and Transmitting the authentication information and the cash withdrawal request information to the third-party payment provider; and the third-party payment provider receives the authentication information of the user and the cash withdrawal request information for performing the identity After the verification information and the check and approval of the cash withdrawal request information, the third party payment provider will transmit the request reply message to the message processing module, and the message processing module will transmit the request request reply message. Up to the server of the withdrawal terminal, so that the user can withdraw the value of the travel location at the withdrawal terminal Cash; and a billing processing module, the billing processing module records the cash withdrawal transaction information of the user via the message processing module, and the request reply reply message, and is responsible for withdrawing the transaction information from the cash. And at least one of the request for reply message, at least one of a bank to which the claim terminal belongs, and at least one of the settlement agent banks, as The third-party payment provider subsequently relies on the main basis for the settlement of the account settlement; wherein the user's travel to the tourist destination is one of foreign travel, cross-border travel, and cross-border travel. The financial service system of claim 5, wherein the third-party payment provider pays the user a third-party payment by the third-party payment according to the cash amount of the currency of the tourist's location. Debits are processed and the subsequent billing settlement process is processed. The financial service system of claim 5, wherein the claim terminal is a financial institution counter, an ATM, a third party payment electronic device, and a third party payment electronic service for providing a physical store for sale and purchase. One of the devices; the server is one of the bank to which the terminal is deferred, and the company party of the super-business; and the third-party payment provider is Alipay, a third-party payment company in Taiwan, and a third-party payment in the United States One of the industry's and third-party payment providers in Japan. For example, the financial service system described in claim 5, wherein the financial service system is one of a server, a desktop computer, a notebook computer, and a large computer host service system. For example, the financial service system described in claim 5, wherein the financial service system is one of a server computer, a desktop computer, a notebook computer, and a large computer host service system. The financial service system of claim 8 or claim 9, wherein the financial service system is located at a bank to which the terminal is located, the third party payment provider, at least one of the settlement agent banks, and One of the other financial services third parties that is different from the third party payment provider, the third party of the financial service is the international card issuer Visa, Master, And one of JCB.