TW201642188A - Finance service system and method - Google Patents

Finance service system and method Download PDF

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Publication number
TW201642188A
TW201642188A TW104116510A TW104116510A TW201642188A TW 201642188 A TW201642188 A TW 201642188A TW 104116510 A TW104116510 A TW 104116510A TW 104116510 A TW104116510 A TW 104116510A TW 201642188 A TW201642188 A TW 201642188A
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Taiwan
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party payment
user
cash
terminal
bank
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TW104116510A
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Chinese (zh)
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Man Him Matthew Hui
Shang-Zhi Cai
Yan-Fu Chen
yi-zhang Chen
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Shang-Zhi Cai
Man Him Matthew Hui
Yan-Fu Chen
yi-zhang Chen
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Priority to TW104116510A priority Critical patent/TW201642188A/en
Publication of TW201642188A publication Critical patent/TW201642188A/en

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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withdraw terminal to withdraw cash of traveling location currency during traveling and carry out account debits for withdrawn cash amount at local currency through third party payment.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

一種金融服務系統及方法 Financial service system and method
本發明係有關於金融服務系統及方法,更詳而言之,係有關於一種應用於使用者於旅遊所在地能以第三方支付方式提領現金環境的金融服務系統及方法,使用者能利用提領終端而提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款。 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.
於目前習知的第三方支付交易環境中,例如,淘寶線上購物,雖然可使用線上交易平台所提供的第三方支付功能,例如,支付寶,來進行線上交易,然而,無法提供現金提領的功能,換言之,目前第三方支付所能提供的交易服務僅在於線上購物交易。 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.
又,就目前的第三方支付而言,例如,支付寶,雖有線上發紅包業務,然,究其運作方式而言,本質仍然是第三方支付平台的轉帳業務,而並非是創新的概念,換言之,目前第三方支付,例如,支付寶,所能提供的發紅包功能,仍是停留在第三方支付平台的轉帳業務,而無法提供現金提領的功能。 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.
再,就目前信用卡預借現金而言,例如,中國信託信用卡每筆預借現金手續費為每筆預借現金金額×3.5%+150元,當提領現金越多時,則手續費相對應增加,而此種現金提領計費方式,對於使用者而言,並不 是划算的選項。 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.
於中華民國專利公報之發明公告/公開554300「跨國式交易付款系統」中,所揭露之習知技術,係為提供一種跨國式交易付款系統,可讓使用者在本國的網路商家進行交易外,亦可至他國合作的網路商家透過網際網路來進行交易;另,可讓國外的消費者,至網路商店進行交易時,只要輸入其在當地國使用的付款帳號(如電信帳號)及其相關的身份驗證資訊即可完成整個交易程序;再,可透過行動電話、WAP手機、3G手機、PDA、WebBrowser、市內電話及Email等多元化方式來完成付費程序及取得服務。然,於該發明中,未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。 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.
於中華民國專利公報之發明公告/公開I262415「IC卡之跨行消費之方法」中,所揭露之習知技術,係為提供一種IC卡之跨行消費之方法,其係利用一IC卡可於任何環境下進行消費之行為,例如:移動式或固定式電信通話系統、銀行自動提款機(ATM)、個人數位助理(PDA)以及網際網路等等,以提供一使用者具有一便利性極佳消費之方法;另,IC卡之跨行消費之方法,其係利用一IC卡之安全機制,以擴充IC卡之利用範圍,例如:單純之金融行為,以擴充至一消費行為,以提供一使用者具有一安全性極佳消費之方法。然,於該發明中,未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。 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.
於中華民國專利公報之發明公告/公開I382365「無卡式電子錢包系統」中,所揭露之習知技術,係為一種無卡式電子錢包系統,包括一管理平台連接一電子錢存提操作平台及一儲值平台,其中該管理平台儲 存有使用者資訊及對應的存放金額,當消費者欲儲值時,該電子錢存提操作平台係產生一包含儲值金額及使用者資訊的儲值資料予消費者,供消費者以之為依據支付所需金額,若儲值平台取得該儲值資料,即令該管理平台將儲值金額加計至對應的存放金額;當消費者欲提領電子錢時,該電子錢存提操作平台令管理平台以對應的存放金額減去所需金額,並提供一記載有所需金額的有形電子錢代幣,供消費者持該電子錢代幣付款消費。然,於該發明中,未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。 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.
於中華民國專利公報之發明公告/公開I462047「實現境外交易的網上交易方法及網上交易系統」中,所揭露之習知技術,係為海外支付寶(境外交易支付寶)的運作方式:(1)用戶登錄到境外交易網站,發送選中商品資訊;(2)境外交易網站向中間平臺發送交易請求;(3)中間平臺接收交易請求,先根據預先從金融平臺獲得的外幣匯率定價計算出此次交易的境內幣金額,後對經過身份驗證的用戶顯示此次交易的境內幣金額;(4)在接收到用戶的付款確認後,中間平臺將該用戶對應帳戶中相應的境內幣金額通過金融平臺購匯成對應境外幣操作;(5)中間平臺將付款成功的交易資訊發送至境外交易網站,以便境外交易網站進行發貨處理;(6)中間平臺與境外交易網站按週期完成清算及分成操作。 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.
於中華民國專利公報之發明公告/公開I464699「利用包含IC卡的身分證進行交易的支付系統及方法」中,所揭露之習知技術,係為利用包含IC卡的身分證進行交易的支付方法,包括:(1)身分證讀卡器讀出包含用戶身分證號的用戶身分資訊;(2)將用戶身分資訊和商戶輸入的交易 金額用預先設定的第一加密密鑰加密,用戶輸入的帳戶密碼用所述發卡行對應的銀行加密密鑰進行加密,並將之傳送至中間平台;(3)中間平台解密接收到的資訊,並將包括身分證資訊、帳號密碼、交易金額的交易資訊傳送至對應的發卡子系統;(4)若交易資訊未包含銀行帳號,則發卡子系統查找所述用戶身分證號對應的銀行帳號,核對解密後的帳戶密碼,處理所述交易並將交易處理結果返回。 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.
於中華民國專利公報之發明公告/公開201423625「將虛擬帳戶餘額運用於實體購物之交易系統及其方法」中,所揭露之習知技術係為,使用者具有第三方支付平台的帳戶,並可通過帳戶之帳號與密碼向第三方支付平台申請一組虛擬卡號;於交易時,端點銷售設備可接受虛擬卡號的輸入,並依虛擬卡號判別收單銀行後,將消費資訊傳送至銀行伺服器;銀行伺服器將消費資訊傳送至卡號管理伺服器,再由卡號管理伺服器傳送至第三方支付平台,以對虛擬卡號運算得到對應帳戶的帳號與密碼。當第三方支付平台確認帳戶中的餘額足夠支付該筆交易時,該筆交易即可成立。中華民國專利公報之發明公告/公開201423625雖為將虛擬帳戶餘額運用於實體購物,然而,實體消費資訊還是必須傳送至銀行伺服器,而銀行伺服器將消費資訊傳送至卡號管理伺服器,再由卡號管理伺服器傳送至第三方支付平台。 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.
又,對於現行之第三方支付而言,僅能進行網路商品線上交易,雖然可使用線上交易平台所提供的第三方支付功能,例如,支付寶,來進行線上交易,然而,目前第三方支付所能提供的交易服務僅在於線上購物交易;又,就目前的第三方支付而言,例如,支付寶,雖有線上發紅包 業務,然,其運作仍然是第三方支付平台的轉帳業務,而無法提供現金提領的功能;再,就目前信用卡預借現金而言,當提領現金越多時,則手續費相對應增加,而此種現金提領收費方式,對於使用者而言,並不是合算的選項。 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.
所以如何尋求一種應用於使用者於旅遊所在地(外地/跨境/跨國)能以第三方支付方式提領現金環境的金融服務系統及方法,可讓使用者於旅遊時,利用提領終端而能提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款,讓使用者無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換,且於現金提領收費服務時,無須因現金金額增加而付出對應增加的手續費用,可解決上述之習知缺點,乃是待解決的問題。 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.
本發明之主要目的便是在於提供一種金融服務系統及方法,係應用於使用者於旅遊所在地能以第三方支付方式提領現金的環境中,可讓使用者於旅遊時,利用提領終端而能提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款,讓使用者無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換。 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.
本發明之又一目的便是在於提供一種金融服務系統及方法,係應用於使用者於旅遊所在地能以第三方支付方式提領現金的環境中,使用者於外地/跨境旅行時,利用提領終端提出現金提領請求(request),當現金提領請求資訊被處理完成後,將對使用者第三方支付帳戶進行扣 款、且使用者可於提領終端提領相對應於帳戶已扣款金額之旅遊所在地幣值的現金。 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.
本發明之再一目的便是在於提供一種金融服務系統及方法,係應用於使用者於旅遊所在地能以第三方支付方式提領現金的環境中,使用者於外地/跨境旅行時,無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換,且於現金提領收費服務時,無須因現金金額增加而付出對應增加的手續費用。 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.
根據以上所述之目的,本發明提供一種金融服務系統,該金融服務系統包含訊息處理模組、以及帳務處理模組。 According to the above, the present invention provides a financial service system including a message processing module and a account processing module.
訊息處理模組,使用者利用提領終端提出現金提領請求,該訊息處理模組於接收到,經由提領終端所屬銀行,自提領終端而來之使用者的身份驗證資訊以及現金提領請求資訊後,該訊息處理模組會針對使用者的身份驗證資訊以及現金提領請求資訊進行判別處理,並以訊息轉送方式將之傳送至第三方支付業者,當第三方支付業者核可現金提領請求後,會將提領請求回覆訊息傳送至該訊息處理模組,以便讓該訊息處理模組能將提領請求回覆訊息傳送至提領終端所屬銀行,提領終端所屬銀行方可允許使用者於提領終端能提領旅遊所在地幣值的現金;以及,該訊息處理模組負責處理使用者利用提領終端進行外地/跨境/跨國現金提領過程中,所有資訊的訊息傳遞處理,包含使用者的身份驗證資訊以及現金提領請求資訊,介於提領終端所屬銀行、與第三方支付業者間的訊息轉送和判別處理。 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.
帳務處理模組,該帳務處理模組記錄經由訊息處理模組而來之使用者的現金提領交易資訊、以及提領請求回覆訊息,並負責提供各提 領終端所屬銀行和第三方支付業者間的使用者現金提領交易資訊給提領終端所屬銀行結算代理銀行,以作為提領終端所屬銀行/結算代理銀行與第三方支付業者後續之帳務結算處理的主要依據。 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.
利用本發明之金融服務系統以進行金融服務方法流程時,首先,進行現金提領請求動作;使用者利用提領終端提出現金提領請求,訊息處理模組於接收到,經由提領終端所屬銀行,自提領終端而來之使用者的身份驗證資訊以及現金提領請求資訊後,該訊息處理模組會針對使用者的身份驗證資訊以及現金提領請求資訊進行判別處理,並以訊息轉送方式將之傳送至第三方支付業者。 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.
接著,進行金融處理動作;第三方支付業者接收使用者的身份驗證資訊以及現金提領請求資訊,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息傳送至訊息處理模組,以便讓訊息處理模組能將提領請求回覆訊息傳送至提領終端所屬銀行,提領終端所屬銀行方可允許使用者於提領終端能提領旅遊所在地幣值的現金。 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.
另,帳務處理模組並記錄經由訊息處理模組而來之使用者的現金提領交易資訊、以及提領請求回覆訊息,並負責提供各提領終端所屬銀行和第三方支付業者間的使用者現金提領交易資訊給提領終端所屬銀行/結算代理銀行,以作為提領終端所屬銀行/結算代理銀行與第三方支付業者後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者按使用者所提領的當地幣值現金金額,以第三方支付的方式對使用者第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
為使熟悉該項技藝人士瞭解本發明之目的、特徵及功效,茲藉由下述具體實施例,並配合所附之圖式,對本發明詳加說明如後: 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‧‧‧金融服務系統 1‧‧‧Financial Service System
2‧‧‧訊息處理模組 2‧‧‧Message Processing Module
3‧‧‧帳務處理模組 3‧‧‧Accounting Processing Module
4‧‧‧伺服器 4‧‧‧Server
5‧‧‧使用者 5‧‧‧Users
6‧‧‧提領終端 6‧‧‧Retracting terminal
7‧‧‧第三方支付業者 7‧‧‧ Third party payers
8‧‧‧第三方支付業者 8‧‧‧ Third party payers
9‧‧‧第三方支付業者 9‧‧‧ Third party payers
51‧‧‧身份驗證資訊 51‧‧‧Identification Information
52‧‧‧身份驗證資訊 52‧‧‧Identification Information
53‧‧‧身份驗證資訊 53‧‧‧Identification Information
61‧‧‧現金提領請求資訊 61‧‧‧Cash withdrawal request information
62‧‧‧現金提領請求資訊 62‧‧‧Cash withdrawal request information
63‧‧‧現金提領請求資訊 63‧‧‧Cash withdrawal request information
71‧‧‧提領請求回覆訊息 71‧‧‧Reply request reply message
72‧‧‧提領請求回覆訊息 72‧‧‧Reply request reply message
73‧‧‧提領請求回覆訊息 73‧‧‧Reply request reply message
101 102‧‧‧步驟 101 102‧‧‧Steps
201 202‧‧‧步驟 201 202‧‧‧Steps
301 302‧‧‧步驟 301 302‧‧‧Steps
401 402‧‧‧步驟 401 402‧‧‧Steps
第1圖為一系統示意圖,用以顯示說明本發明之金融服務系統之系統架構、以及運作情形。 Figure 1 is a system diagram showing the system architecture and operation of the financial services system of the present invention.
第2圖為一流程圖,用以顯示說明利用如第1圖中之本發明之金融服務系統以進行金融服務方法的流程步驟。 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.
第3圖為一示意圖,用以顯示說明本發明之金融服務系統的一實施例、以及運作情形。 Figure 3 is a schematic diagram showing an embodiment of the financial services system of the present invention and its operation.
第4圖為一流程圖,用以顯示說明利用如第3圖中之本發明之金融服務系統的實施例以進行金融服務方法的一流程步驟。 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.
第5圖為一示意圖,用以顯示說明本發明之金融服務系統的又一實施例、以及運作情形。 Figure 5 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation.
第6圖為一流程圖,用以顯示說明利用如第5圖中之本發明之金融服務系統的又一實施例以進行金融服務方法的又一流程步驟。 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.
第7圖為一示意圖,用以顯示說明本發明之金融服務系統的再一實施例、以及運作情形。 Figure 7 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation.
第8圖為一流程圖,用以顯示說明利用如第5圖中之本發明之金融服務系統的又一實施例以進行金融服務方法的再一流程步驟。 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.
第1圖為一系統示意圖,用以顯示說明本發明之金融服務系統之系統架構、以及運作情形。如第1圖中所示之,金融服務系統1包含訊息處理模組2、以及帳務處理模組3,在此,訊息處理模組2、以及帳務處理模組3係由電腦硬體、韌體、軟體的至少其中之一所組成;以及,在此,金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一,或是,金融服務系統1係位於伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一,端視實際施行情況而定。 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.
訊息處理模組2,使用者(未圖示之)利用提領終端(未圖示之)提出現金提領請求,該訊息處理模組2於接收到,經由提領終端所屬銀行(未圖示之),自提領終端而來之使用者的身份驗證資訊(未圖示之)以及現金提領請求資訊(未圖示之)後,該訊息處理模組2會針對使用者的身份驗證資訊以及現金提領請求資訊進行判別處理,並以訊息轉送方式將之傳送至第三方支付業者(未圖示之),當第三方支付業者核可現金提領請求後,會將提領請求回覆訊息(未圖示之)傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息傳送至提領終端所屬銀行,提領終端所屬銀行方可允許使用者於提領終端能提領旅遊所在地幣值的現金;以及,該訊息處理模組2負責處理使用者利用提領終端進行外地/跨境/跨國現金提領過程中,所有資訊的訊息傳遞處理,包含使用者的身份驗證資訊以及現金提領請求資訊,介於提領終端所屬銀行、與第三方支付業者間的訊息轉送和判別處理。 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.
帳務處理模組3,該帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊、以及提領請求回覆訊息,並負責提供 各提領終端所屬銀行和第三方支付業者間的使用者現金提領交易資訊給提領終端所屬銀行/結算代理銀行(未圖示之),以作為提領終端所屬銀行/結算代理銀行與第三方支付業者後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者按使用者所提領的當地幣值現金金額以第三方支付的方式對使用者第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
於本發明中,使用者於旅遊地之旅行係為外地旅行、跨境旅行、以及跨國旅行的其中之一,而當使用者於外地/跨境/跨國旅行時,可利用本發明之金融服務系統1,無須因利用信用卡、提款卡進行現金提領、由於現金金額增加而付出對應增加的手續費用,且,使用者能利用提領終端而提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款,讓使用者無須在旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換。 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.
第2圖為一流程圖,用以顯示說明利用如第1圖中之本發明之金融服務系統以進行金融服務方法的流程步驟。如第2圖中所示之,首先,於步驟101,進行現金提領請求動作;使用者利用提領終端提出現金提領請求,訊息處理模組2於接收到,經由提領終端所屬銀行,自提領終端而來之使用者的身份驗證資訊以及現金提領請求資訊後,該訊息處理模組2會針對使用者的身份驗證資訊以及現金提領請求資訊進行判別處理,並以訊息轉送方式將之傳送至第三方支付業者,並進到步驟102。 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.
於步驟102,進行金融處理動作;第三方支付業者接收使用者的身份驗證資訊以及現金提領請求資訊,於進行使用者身份驗證、以及現 金提領請求的檢查與核可後,會將提領請求回覆訊息傳送至訊息處理模組,以便讓訊息處理模組能將提領請求回覆訊息傳送至提領終端所屬銀行,提領終端所屬銀行方可允許使用者於提領終端能提領旅遊所在地幣值的現金。 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.
另,帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊、以及提領請求回覆訊息,並負責提供各提領終端所屬銀行和第三方支付業者間的使用者之現金提領交易資訊及/或提領請求回覆訊息給提領終端所屬銀行/結算代理銀行,以作為提領終端所屬銀行/結算代理銀行與第三方支付業者後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者按使用者所提領的當地幣值現金金額,以第三方支付的方式對使用者第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
第3圖為一示意圖,用以顯示說明本發明之金融服務系統的一實施例、以及運作情形。如第3圖中所示之,金融服務系統1包含訊息處理模組2、以及帳務處理模組3,金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一,或是,金融服務系統1係位於伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一;於本實施例中,金融服務系統1係位於伺服器4,而訊息處理模組2、以及帳務處理模組3係由電腦硬體、韌體、軟體的至少其中之一所組成。 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.
訊息處理模組2,在台灣旅遊之來自中國大陸的使用者5,利用提領終端6提出現金提領請求,在此,提領終端6係可為,例如:金 融機構櫃檯、ATM提款機、超商或提供買賣之實體商店的第三方支付電子裝置;該訊息處理模組2於接收到,經由伺服端(未圖示之),例如,伺服端可為提領終端所屬銀行(例如,為旅遊所在地台灣當地的第一銀行,台灣當地之金融機構/銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方,自提領終端6而來之使用者的身份驗證資訊51以及現金提領請求資訊61後,該訊息處理模組2會針對使用者的身份驗證資訊51以及現金提領請求資訊61進行判別處理,並以訊息轉送方式將身份驗證資訊51以及現金提領請求資訊61傳送至第三方支付業者7,例如,支付寶;當第三方支付業者7接收身份驗證資訊51以及現金提領請求資訊61,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息71傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息71傳送至伺服端(未圖示之),例如,伺服端可為提領終端所屬銀行(例如,為旅遊所在地台灣當地的第一銀行,台灣當地之金融機構/銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方,提領終端所屬銀行方可允許使用者5於提領終端6能提領旅遊所在地台幣幣值的現金;以及,該訊息處理模組2負責處理使用者5利用提領終端6進行跨境現金提領過程中,所有資訊的訊息傳遞處理,包含使用者的身份驗證資訊51以及現金提領請求資訊61,介於伺服端(例如,提領終端所屬銀行,台灣第一銀行)、與第三方支付業者7間的訊息轉送和判別處理。 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.
在此,第三方支付業者7按使用者5所提領的台灣當地台幣現金金額以第三方支付的方式對使用者5第三方支付帳戶進行扣款,並處 理後續之提領帳務結算處理。 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.
帳務處理模組3,該帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊61、以及提領請求回覆訊息71,並負責提供伺服端(例如,提領終端所屬銀行,台灣第一銀行)和第三方支付業者7間的使用者現金提領交易資訊61及/或提領請求回覆訊息71給伺服器端(例如,提領終端所屬銀行/結算代理銀行),以作為伺服端(例如,提領終端所屬銀行/結算代理銀行)與第三方支付業者7後續之帳務結算處理的主要依據。 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.
於本實施例中,金融服務系統1所在之伺服器4係可位於提領終端6之伺服端,或位於第三方支付業者7,或位於台灣結算代理銀行(例如,財金資訊股份有限公司/台灣銀行)(未圖示之),或位於中國大陸結算代理銀行(例如,中國人民銀行)(未圖示之),或位在有別於第三方支付業者7之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,端視實際施行情況而定。 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.
第三方支付業者7(例如,支付寶)所處理後續之提領帳務結算處理係依據第三方支付業者7、二岸之結算代理銀行、金融服務系統1和提領終端所屬銀行,共同約定或是兩造間所約定的結算時間,由金融服務系統1將第三方支付帳戶使用者5提領金額等資訊送至二岸之結算代理銀行,進行國內或跨境或跨國提領帳務結算處理,其中結算帳務包含第三方支付帳戶使用者5提領金額、結算代理銀行手續費、金融服務系統1處理手續費以及提領終端所屬銀行手續費的結算。 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.
又,於本實施例中,雖為來自於中國大陸的使用者5以旅遊 所在地台灣之台幣幣值利用支付寶帳戶進行台幣現金提領,然,對於台灣使用者於台灣利用支付寶帳戶進行台幣現金提領、台灣使用者於中國大陸利用支付寶帳戶進行人民幣現金提領、以及中國大陸使用者於外地(仍在中國大陸內)利用支付寶帳戶進行人民幣現金提領而言,其理相同、類似於本實施例中所述之,是故,在此不再贅述之。 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.
另,對於跨國提領現金而言,例如,來自於台灣的使用者以旅遊所在地日本北海道之日幣幣值利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領,以及,例如,台灣使用者於台灣利用支付寶帳戶或台灣第三方支付帳戶進行台幣現金提領,日本使用者於台灣利用支付寶帳戶或台灣第三方支付帳戶進行台幣現金提領,日本使用者於外地(仍在日本境內)利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領,其理相同、類似於本實施例中所述之,是故,在此不再贅述之。 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.
再,雖在本實施例中,第三方支付業者7係為支付寶,惟,對於其他第三方支付業者,例如,台灣第三方支付公司,美國第三方支付業者,日本第三方支付業者等等,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
另,對於有別於第三方支付業者7之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,其運作原理相同、類似於本實施例中第三方支付業者7,是故,在此亦不再贅述之。 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.
又,於本實施例中,雖金融服務系統1係位於伺服器4,然,對於金融服務系統1係位於桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,或是,對於金融服勿系統1係可為伺服器、桌 上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
第4圖為一流程圖,用以顯示說明利用如第3圖中之本發明之金融服務系統的實施例以進行金融服務方法的一流程步驟。 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.
如第4圖中所示之,首先,於步驟201,進行現金提領請求動作;在台灣旅遊之來自中國大陸的使用者5,利用提領終端6提出現金提領請求,該訊息處理模組2於接收到,經由伺服端,自提領終端6而來之使用者的身份驗證資訊51以及現金提領請求資訊61後,該訊息處理模組2會針對使用者的身份驗證資訊51以及現金提領請求資訊61進行判別處理,並以訊息轉送方式將身份驗證資訊51以及現金提領請求資訊61傳送至第三方支付業者7,並進到步驟202。 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.
於步驟202,進行金融處理動作;當第三方支付業者7接收身份驗證資訊51以及現金提領請求資訊61,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息71傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息71傳送至伺服端,讓使用者5於提領終端6能提領旅遊所在地台幣幣值的現金。 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.
另,帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊61、以及提領請求回覆訊息71,並負責提供伺服端(例如,提領終端所屬銀行,台灣第一銀行)和第三方支付業者7間的使用者之現金提領交易資訊61及/或提領請求回覆訊息71給伺服器端(例如,提領終端所屬銀行/結算代理銀行),以作為伺服端(例如,提領終端所屬銀行/結算代理銀行)與第三方支付業者7後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者7按使用者5所提領的台灣當地台幣現金金額以第三方支付的方式對使用者5第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
第5圖為一示意圖,用以顯示說明本發明之金融服務系統的又一實施例、以及運作情形。如第5圖中所示之,金融服務系統1包含訊息處理模組2、以及帳務處理模組3,在此,金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一,或是,金融服務系統1係位於伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一;於本實施例中,金融服務系統1係位於伺服器4,而訊息處理模組2、以及帳務處理模組3係由電腦硬體、韌體、軟體的至少其中之一所組成。 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.
訊息處理模組2,在中國大陸旅遊之來自台灣的使用者5,利用提領終端6提出現金提領請求62,在此,提領終端6係可為,例如:金融機構櫃檯、ATM提款機、超商或提供買賣之實體商店的第三方支付電子裝置;該訊息處理模組2於接收到,經由伺服端(未圖示之),例如,伺服端為旅遊所在地中國大陸當地的中國人民銀行(中國大陸當地之金融機構/銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方,自提領終端6而來之使用者的身份驗證資訊52以及現金提領請求資訊62後,該訊息處理模組2會針對使用者的身份驗證資訊52以及現金提領請求資訊62進行判別處理,並以訊息轉送方式將身份驗證資訊52以及現金提領請求資訊62傳送至第三方支付業者8,在此,第三方支付業者8係為台灣第三方支付公司,該第三方支付為台灣第三方支付,係台灣第三 方支付公司所提供的支付機制;當第三方支付業者8接收身份驗證資訊52以及現金提領請求資訊62,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息72傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息72傳送至伺服端,例如,伺服端可為提領終端所屬銀行(為旅遊所在地中國大陸當地的中國人民銀行(中國大陸當地之金融機構/銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方,以便讓使用者5能於提領終端6能提領旅遊所在地中國大陸人民幣幣值的現金;以及,該訊息處理模組2負責處理使用者5利用提領終端6進行跨境現金提領過程中,所有資訊的訊息傳遞處理,包含使用者的身份驗證資訊52以及現金提領請求資訊62,介於伺服端(例如,提領終端所屬銀行)、與第三方支付業者8間的訊息轉送和判別處理。 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.
在此,第三方支付業者8按使用者所提領的中國大陸當地人民幣現金金額以第三方支付的方式對使用者5之台灣第三方支付公司的第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
帳務處理模組3,該帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊62、以及提領請求回覆訊息72,並負責提供伺服端(例如,提領終端所屬銀行)和第三方支付業者8間的使用者之現金提領交易資訊62及/或提領請求回覆訊息72給伺服器端(例如,提領終端所屬銀行/結算代理銀行),以作為伺服端(例如,提領終端所屬銀行/結算代理銀行)與第三方支付業者8後續之帳務結算處理的主要依據。 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.
於本實施例中,金融服務系統1所在之伺服器4係可位於提 領終端6之伺服端,或位於第三方支付業者8,或位於台灣之結算代理銀行(例如,財金資訊股份有限公司/台灣銀行)(未圖示之),或位於中國大陸之結算代理銀行(例如,中國人民銀行)(未圖示之),或位在有別於第三方支付業者8之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,端視實際施行情況而定。 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.
為台灣第三方支付公司的第三方支付業者8所處理後續之提領帳務結算處理係依據第三方支付業者8、二岸之結算代理銀行、金融服務系統1和提領終端所屬銀行,共同約定或是兩造間所約定的結算時間,由金融服務系統1將第三方支付帳戶使用者5提領金額等資訊送至二岸之結算代理銀行,進行國內或跨國提領帳務結算處理,其中結算帳務包含第三方支付帳戶使用者5提領金額、結算代理銀行手續費、金融服務系統1處理手續費以及提領終端所屬銀行手續費的結算。 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.
又,於本實施例中,雖為來自於台灣的使用者5以旅遊所在地中國大陸之人民幣幣值利用台灣第三方支付帳戶進行人民幣現金提領,然,對於台灣使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、中國大陸使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、以及中國大陸使用者於外地(仍在中國大陸內)利用台灣第三方支付帳戶進行人民幣現金提領而言,其理相同、類似於本實施例中所述之,是故,在此不再贅述之。 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.
另,對於跨國提領現金而言,例如,來自於台灣的使用者以旅遊所在地日本北海道之日幣幣值利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領,以及,例如,台灣使用者於台灣利用支付寶帳戶或台 灣第三方支付帳戶進行台幣現金提領,日本使用者於台灣利用支付寶帳戶或台灣第三方支付帳戶進行台幣現金提領,日本使用者於外地(仍在日本境內)利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領,其理相同、類似於本實施例中所述之,是故,在此不再贅述之。 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.
再,雖在本實施例中,第三方支付業者8係為台灣第三方支付公司,惟,對於其他第三方支付業者,例如,支付寶,美國第三方支付業者,日本第三方支付業者等等,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
另,對於有別於第三方支付業者8之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,其運作原理相同、類似於本實施例中第三方支付業者8,是故,在此亦不再贅述之。 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.
又,於本實施例中,雖金融服務系統1係位於伺服器4,然,對於金融服務系統1係位於桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,或是,對於金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
第6圖為一流程圖,用以顯示說明利用如第5圖中之本發明之金融服務系統的又一實施例以進行金融服務方法的又一流程步驟。 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.
如第6圖中所示之,首先,於步驟301,進行現金提領請求動作;在中國大陸旅遊之來自台灣的使用者5,利用提領終端6提出現金提領請求,該訊息處理模組2於接收到,經由伺服端,自提領終端6而來之使用者的身份驗證資訊52以及現金提領請求資訊62後,該訊息處理模組2 會針對使用者的身份驗證資訊52以及現金提領請求資訊62進行判別處理,並以訊息轉送方式將身份驗證資訊52以及現金提領請求資訊62傳送至第三方支付業者8,並進到步驟302。 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.
於步驟302,進行金融處理動作;當第三方支付業者8接收身份驗證資訊52以及現金提領請求資訊62,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息72傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息72傳送至伺服端,讓使用者5能於提領終端6能提領旅遊所在地中國大陸人民幣幣值的現金。 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.
另,帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊62、以及提領請求回覆訊息72,並負責提供伺服端(例如,提領終端所屬銀行)和第三方支付業者8間的使用者之現金提領交易資訊62及/或提領請求回覆訊息72給伺服器端(例如,提領終端所屬銀行/結算代理銀行),以作為伺服端(例如,提領終端所屬銀行/結算代理銀行)與第三方支付業者8後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者8按使用者所提領的中國大陸當地人民幣現金金額以第三方支付的方式對使用者5之台灣第三方支付公司的第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
第7圖為一示意圖,用以顯示說明本發明之金融服務系統的再一實施例、以及運作情形。如第7圖中所示之,金融服務系統1包含訊息處理模組2、以及帳務處理模組3,在此,金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一,或是,金融服務系統1係位於伺服器、桌上型電腦、筆記型電腦、以及大型電腦 主機服務系統的其中之一;於本實施例中,金融服務系統1係位於伺服器4,而訊息處理模組2、以及帳務處理模組3係由電腦硬體、韌體、軟體的至少其中之一所組成。 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.
訊息處理模組2,在日本北海道旅遊之來自台灣的使用者5,利用提領終端6提出現金提領請求,在此,提領終端6係可為,例如:金融機構櫃檯、ATM提款機、超商或提供買賣之實體商店的第三方支付電子裝置;該訊息處理模組2於接收到,經由伺服端(未圖示之),自提領終端6而來之使用者的身份驗證資訊53以及現金提領請求資訊63後,該訊息處理模組2會針對使用者的身份驗證資訊53以及現金提領請求資訊63進行判別處理,在此,例如,伺服端可為提領終端所屬銀行(為旅遊所在地日本當地的北海道銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方;該訊息處理模組2判斷出使用者5為台灣人,所使用之第三方支付業者9係為台灣第三方支付公司,並以訊息轉送方式將身份驗證資訊53以及現金提領請求資訊63傳送至位於台灣的第三方支付業者9,在此,第三方支付業者9係為台灣第三方支付公司,該第三方支付為台灣第三方支付,係台灣第三方支付公司所提供的支付機制;當位於台灣的第三方支付業者9接收身份驗證資訊53以及現金提領請求資訊63,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息73傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息73傳送至伺服端,例如,伺服端可為提領終端所屬銀行(為旅遊所在地日本北海道當地的北海道銀行),或,伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方,以便讓使用者5能於提領終端6 能提領旅遊所在地日本北海道日幣幣值的現金;以及,該訊息處理模組2負責處理使用者5利用提領終端6進行跨國現金提領過程中,所有資訊的訊息傳遞處理,例如,包含介於伺服端(例如,為提領終端所屬銀行(旅遊所在地日本北海道當地的北海道銀行))、與位於台灣的第三方支付業者9間的使用者之身份驗證資訊53以及現金提領請求資訊63的訊息轉送和判別處理。 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.
在此,第三方支付業者9按使用者所提領的日本北海道當地日幣現金金額以第三方支付的方式對使用者5之台灣第三方支付公司的第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
帳務處理模組3,該帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊63、以及提領請求回覆訊息73,該帳務處理模組3並負責將使用者之現金提領交易資訊63及/或提領請求回覆訊息73傳送給第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、以及第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行),以作為伺服端(提領終端所屬銀行,例如,日本北海道的北海道銀行)、第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行)、以及與位於台灣的第三方支付業者9後續之帳務結算處理的主要依據。 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.
於本實施例中,金融服務系統1可於約定時間提供交易資訊給第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、以及第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行),以便進行帳務結算處理;以及,金融服務系統1所在之伺服器 4係可位於提領終端6之伺服端(提領終端所屬銀行,例如,北海道銀行),或位於第三方支付業者9,或位於第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行),或位於第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行),或位在有別於第三方支付業者9之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,端視實際施行情況而定。 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.
為台灣第三方支付公司的第三方支付業者9所處理後續之提領帳務結算處理係依據第三方支付業者9、第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行)、金融服務系統1和提領終端所屬銀行(位於日本北海道之北海道銀行),共同約定或是兩造間所約定的結算時間,由金融服務系統1將第三方支付帳戶使用者5提領金額等資訊送至第一國結算代理銀行(台灣之結算代理銀行)與第二國結算代理銀行(日本之結算代理銀行)、以及提領終端所屬銀行(位於日本北海道之北海道銀行),進行國內或跨國提領帳務結算處理,其中結算帳務包含第三方支付帳戶使用者5提領金額、結算代理銀行手續費、金融服務系統1處理手續費以及提領終端所屬銀行手續費的結算。 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.
又,於本實施例中,雖為來自於台灣的使用者5以旅遊所在地日本北海道之日幣幣值利用台灣第三方支付帳戶進行日幣現金提領,然,對於台灣使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、日本使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、以及日本使用者於外地(仍在日本境內)利用台灣第三方支付帳戶進行日幣現金提領 而言,其理相同、類似於本實施例中所述之,是故,在此不再贅述之。 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.
再,雖在本實施例中,第三方支付業者係為台灣第三方支付公司,惟,對於其他第三方支付業者,例如,美國第三方支付業者,日本第三方支付業者等等,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
另,對於有別於第三方支付業者9之另一金融服務第三方(未圖示之),例如,國際發卡組織Visa及/或Master及/或JCB,其運作原理相同、類似於本實施例中第三方支付業者7,是故,在此亦不再贅述之。 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.
又,於本實施例中,雖金融服務系統1係位於伺服器4,然,對於金融服務系統1係位於桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,或是,對於金融服務系統1係可為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一而言,其理相同、類似於本實施例中所述之,是故,在此亦不再贅述之。 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.
第8圖為一流程圖,用以顯示說明利用如第7圖中之本發明之金融服務系統的再一實施例以進行金融服務方法的再一流程步驟。 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.
如第8圖中所示之,首先,於步驟401,進行現金提領請求動作;在日本北海道旅遊之來自台灣的使用者5,利用提領終端6提出現金提領請求,該訊息處理模組2於接收到,經由伺服端,自提領終端6而來之使用者的身份驗證資訊53以及現金提領請求資訊63後,該訊息處理模組2會針對使用者的身份驗證資訊53以及現金提領請求資訊63進行判別處理,判斷出使用者5為台灣人,所使用之第三方支付業者9係為台灣第三方支付公司,並以訊息轉送方式將身份驗證資訊53以及現金提領請求資訊 63傳送至位於台灣的第三方支付業者9,並進到步驟402。 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.
於步驟402,進行金融處理動作;當位於台灣的第三方支付業者9接收身份驗證資訊53以及現金提領請求資訊63,於進行使用者身份驗證、以及現金提領請求的檢查與核可後,會將提領請求回覆訊息73傳送至該訊息處理模組2,以便讓該訊息處理模組2能將提領請求回覆訊息73傳送至伺服端,以便讓使用者5能於提領終端6能提領旅遊所在地日本北海道日幣幣值的現金。 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.
另,帳務處理模組3記錄經由訊息處理模組2而來之使用者的現金提領交易資訊63、以及提領請求回覆訊息73,該帳務處理模組3並負責將使用者之現金提領交易資訊63及/或提領請求回覆訊息73傳送給第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、以及第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行),以作為伺服端(提領終端所屬銀行,例如,日本北海道的北海道銀行)、第一國結算代理銀行(台灣之結算代理銀行,例如,台灣財金資訊股份有限公司/台灣銀行)、第二國結算代理銀行(日本之結算代理銀行,例如,北海道銀行)、以及與位於台灣的第三方支付業者9後續之帳務結算處理的主要依據。 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.
在此,第三方支付業者9按使用者5所提領的日本北海道當地日幣現金金額以第三方支付的方式對使用者5第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
綜合以上之該些實施例,我們可以得到本發明之一種金融服務系統及方法,係應用於使用者在旅遊所在地能以第三方支付方式提領現 金的環境中,利用本發明之金融服務系統及方法,可讓使用者於旅遊時,能利用提領終端而提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款,讓使用者無須在旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換。本發明之金融服務系統及方法包含以下優點: 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.可讓使用者於外地/跨境/跨國旅遊時,利用提領終端而能提領旅遊所在地幣值的現金,並將所提領的當地幣值現金金額,以第三方支付的方式進行帳戶扣款,讓使用者無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換。 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.使用者於外地/跨境旅行時,利用提領終端提出現金提領請求(request),當現金提領請求資訊被處理完成後,將對使用者第三方支付帳戶進行扣款、且使用者可於提領終端提領相對應於帳戶已扣款金額之旅遊所在地幣值的現金。 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.使用者於外地/跨境旅行時,無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行現金提領或幣值兌換,且於現金提領收費服務時,無須因現金金額增加而付出對應增加的手續費用。 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.
以上所述僅為本發明之較佳實施例而已,並非用以限定本發明之範圍;凡其它未脫離本發明所揭示之精神下所完成之等效改變或修飾,均應包含在下述之專利範圍內。 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.
101‧‧‧步驟 101‧‧‧Steps
102‧‧‧步驟 102‧‧‧Steps

Claims (10)

  1. 一種金融服務方法,係應用於使用者在旅遊所在地能以第三方支付方式提領現金的環境中,該金融服務方法係包含以下程序:進行現金提領請求動作;使用者利用提領終端提出現金提領請求,於接收到由該提領終端而來之該使用者的身份驗證資訊以及現金提領請求資訊後,會針對該使用者的該身份驗證資訊以及該現金提領請求資訊進行判別處理,並以訊息轉送方式將該身份驗證資訊以及該現金提領請求資訊傳送至第三方支付業者;以及進行金融處理動作;該第三方支付業者接收該使用者的該身份驗證資訊以及該現金提領請求資訊,於進行該身份驗證資訊以及該現金提領請求資訊的檢查與核可後,該第三方支付業者會將提領請求回覆訊息予以傳送至該提領終端之伺服端,以便讓該使用者於該提領終端能提領旅遊所在地幣值的現金;其中,該使用者於該旅遊地之旅行係為外地旅行、跨境旅行、以及跨國旅行的其中之一。 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.
  2. 如申請專利範圍第1項所述之金融服務方法,其中,該第三方支付業者按該使用者所提領旅遊所在地幣值的該現金金額,以第三方支付的方式對該使用者第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
  3. 如申請專利範圍第1項所述之金融服務方法,其中,該提領終端係為金融機構櫃檯、ATM提款機、超商之第三方支付電子裝置、提供買賣之實體商店之第三方支付電子裝置的其中之一;該伺服端為該提領終端之所屬銀行、以及超商的公司方的其中之一;以及,該第三方支付業者係為支付寶、台灣 第三方支付公司、美國第三方支付業者、以及日本第三方支付業者的其中之一。 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.
  4. 如申請專利範圍第1項所述之金融服務方法,其中,將該現金提領交易資訊、以及該提領請求回覆訊息的至少其中之一,提供給該提領終端之所屬銀行、以及至少一個以上之結算代理銀行的至少其中之一,以作為與該第三方支付業者後續之該提領帳務結算處理的主要依據。 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.
  5. 一種金融服務系統,係應用於使用者在旅遊所在地能以第三方支付方式提領現金的環境中,係包含:訊息處理模組,使用者利用提領終端提出現金提領請求,該訊息處理模組於接收到由該提領終端而來之該使用者的身份驗證資訊以及現金提領請求資訊後,會針對該使用者的該身份驗證資訊以及該現金提領請求資訊進行判別處理,並以訊息轉送方式將該身份驗證資訊以及該現金提領請求資訊傳送至第三方支付業者;以及,該第三方支付業者接收該使用者的該身份驗證資訊以及該現金提領請求資訊,於進行該身份驗證資訊以及該現金提領請求資訊的檢查與核可後,該第三方支付業者會將提領請求回覆訊息予以傳送至該訊息處理模組,該訊息處理模組將該提領請求回覆訊息傳送至該提領終端之伺服端,以便讓該使用者於該提領終端能提領旅遊所在地幣值的現金;以及帳務處理模組,該帳務處理模組記錄經由該訊息處理模組而來之使用者的現金提領交易資訊、以及提領請求回覆訊息,並負責將該現金提領交易資訊、以及該提領請求回覆訊息的至少其中之一,提供給該提領終端之所屬銀行、以及至少一個以上之結算代理銀行的至少其中之一,以作為與 該第三方支付業者後續之該提領帳務結算處理的主要依據;其中,該使用者於該旅遊地之旅行係為外地旅行、跨境旅行、以及跨國旅行的其中之一。 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.
  6. 如申請專利範圍第5項所述之金融服務系統,其中,該第三方支付業者按該使用者所提領旅遊所在地幣值的該現金金額,以第三方支付的方式對該使用者第三方支付帳戶進行扣款,並處理後續之提領帳務結算處理。 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.
  7. 如申請專利範圍第5項所述之金融服務系統,其中,該提領終端係為金融機構櫃檯、ATM提款機、超商之第三方支付電子裝置、提供買賣之實體商店之第三方支付電子裝置的其中之一;該伺服端為該提領終端之所屬銀行、以及超商的公司方的其中之一;以及,該第三方支付業者係為支付寶、台灣第三方支付公司、美國第三方支付業者、以及日本第三方支付業者的其中之一。 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.
  8. 如申請專利範圍第5項所述之金融服務系統,其中,該金融服務系統係為伺服器、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一。 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.
  9. 如申請專利範圍第5項所述之金融服務系統,其中,該金融服務系統係位於伺服器電腦、桌上型電腦、筆記型電腦、以及大型電腦主機服務系統的其中之一。 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.
  10. 如申請專利範圍第8項或第9項所述之金融服務系統,其中,該金融服務系統係位於該提領終端之所屬銀行、該第三方支付業者、至少一個以上之該結算代理銀行、以及有別於該第三方支付業者之另一金融服務第三方的其中之一,其中,該另一金融服務第三方係為國際發卡組織Visa、Master、 以及JCB的其中之一。 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.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI738143B (en) * 2019-10-23 2021-09-01 南韓商看買樂有限公司 Method and system for providing foreign currency exchange services based on net exchange demand between countries

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI738143B (en) * 2019-10-23 2021-09-01 南韓商看買樂有限公司 Method and system for providing foreign currency exchange services based on net exchange demand between countries

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