TW202343348A - Online foreign exchange settlement system and method thereof - Google Patents

Abstract

An online foreign exchange settlement system and online foreign exchange settlement method are provided. The online foreign exchange settlement system includes a processor, a storage medium, and a transceiver. The processor is coupled to the storage medium and the transceiver, wherein the processor is configured to execute: acquiring a travel information according to a travel data of an order; executing a currency judgment processing and a consumption estimation processing for the travel information according to a currency estimating form to generate a foreign exchange estimated data; filling the foreign exchange estimated data into multiple fields of exchange settlement; regarding the foreign exchange estimated data as a foreign exchange data, in response to a confirm instruction of exchange settlement; outputting the foreign exchange data.

Description

Online exchange settlement system and method

The present invention relates to an exchange settlement system and a method thereof, and in particular, to an online exchange settlement system and a method thereof.

Currently, after people complete reservations for accommodation or air tickets on travel websites, they must check local consumption levels and calculate the amount of foreign currency to be used. Then, people have to go to counters, automated equipment, or online banking websites to apply for foreign currency exchange, which makes foreign currency exchange inconvenient and makes it difficult for bankers to attract people to their branches for foreign exchange settlement. Therefore, how to provide the public with methods and systems to conveniently and automatically determine currency and foreign currency amounts, as well as methods and systems to improve bankers' publicity and increase transaction volume, are the goals that technicians in this field should strive for.

The present invention provides an online exchange settlement system that can display corresponding exchange information and exchange content on the same travel-related webpage based on the data and/or order data input by the user on the travel-related webpage, so as to improve the convenience of the user's exchange and Will.

An online exchange settlement system of the present invention includes a transceiver, a storage medium, and a processor. The processor is coupled to the storage medium and the transceiver, wherein the processor is configured to: retrieve travel information based on the order information on the order page; perform currency judgment processing and consumption estimation processing on the travel information based on the foreign currency estimate table. Generate exchange estimate information; display the exchange estimate information in multiple exchange fields on the order page; respond to the exchange confirmation instruction, use the exchange estimate data as exchange data; and output the exchange data.

An online foreign exchange settlement method of the present invention is suitable for online foreign exchange settlement systems. This method includes the following steps: retrieve travel information based on the order information on the order page; perform currency judgment processing and consumption estimate processing on the travel information based on the foreign currency estimate table to generate exchange estimate information; display the exchange estimate information on Among the multiple exchange fields on the order page; in response to the exchange confirmation instruction, use the exchange estimate data as exchange data; and output the exchange data.

Based on the above, the online exchange settlement system and method of the present invention provide the user with exchange information and exchange screen on the travel ordering page, and automatically fill in the fields of the exchange screen according to the data input by the user on the travel ordering page to improve the efficiency of the exchange. Users’ willingness and convenience for online currency exchange.

In order to make the content of the present invention easier to understand, the following embodiments are given as examples according to which the present invention can be implemented. In addition, wherever possible, elements/components/steps with the same reference numbers in the drawings and embodiments represent the same or similar parts.

Figure 1 is a schematic diagram illustrating the relationship between an online foreign exchange settlement system and a terminal device according to an embodiment of the present invention. The online settlement system 100 may include a transceiver 110, a storage medium 120 and a processor 130. The online exchange settlement system 100 can be communicatively connected to one or more terminal devices 200 through the transceiver 110 . The online exchange settlement system 100 can perform data transmission and/or data synchronization with the terminal device 200 through the transceiver 110 . The terminal device 200 may be an online banking terminal or a device installed with relevant banking programs. In another embodiment, the above-mentioned online foreign exchange settlement system 100 can be used as a bank server or a tourism operator server, and the online foreign exchange settlement system 100 can also be integrated into an electronic device (for example, a notebook computer, a desktop computer, a tablet) .

The transceiver 110 transmits and receives signals in a wireless or wired manner. Transceiver 110 may also perform, for example, low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations.

The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), or flash memory. , hard disk drive (HDD), solid state drive (SSD) or similar components or a combination of the above components.

The processor 130 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), microprocessor, or digital signal processing unit. Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP) ), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (field programmable gate array) , FPGA) or other similar components or a combination of the above components.

The processor 130 can be coupled to the storage medium 120 and the transceiver 110, and is used to execute and process the foreign currency estimate table, currency field information, consumption estimate information, order page, editing instructions, and text stored in the storage medium 120. Analyze and capture, exchange fields and other related applications and data. The editing instructions include at least one of the collection location, collection time, amount adjustment, currency adjustment, exchange type, travel destination and applicant information.

The online settlement system 100 can be communicatively connected to the display 210 of the terminal device 200 through the transceiver 110 . The display 210 is, for example, a liquid crystal display (LCD), a light-emitting diode (LED) display, a field emission display (Field Emission Display, FED), or an organic light-emitting diode display (Organic Light-Emitting). Diode, OLED) or other kinds of displays. The display 210 is used to display the order page, exchange field, exchange rate estimate data, exchange data, travel page, information page, query window, edit page, operation interface, exchange rate update data, edit button, output button, next button, and edit fields, applicant information, exchange confirmation screen, payment information, subscription success information and exchange orders, etc., so that the user can input query instructions, output instructions, new instructions, etc. to the processor 130 through input devices (such as mouse and keyboard). Add instructions, edit instructions and apply for exchange instructions.

The online exchange settlement system 100 can communicate with at least one data server through the transceiver 110 . In this way, the online foreign exchange settlement system 100 can perform data transmission and data synchronization with the data server/server through the transceiver 110 . The above-mentioned servers/data servers can be company servers, data centers, bank servers, financial servers, or servers used to provide application programming interfaces (APIs) to communicate with external databases/servers. connected.

In another embodiment, the online exchange settlement system 100 may also include a server, and the above-mentioned server may also provide an operation interface (for example, an application programming interface) so that the user can log in to a travel-related ordering page (for example, a hotel booking website, a booking website, etc.) While completing travel orders on air ticket websites, travel package itinerary booking websites, etc.), you can also exchange foreign currencies on the same page. Moreover, the online exchange settlement system 100 can automatically analyze and retrieve exchange-related information (for example, travel days, travel country, accommodation amount, package itinerary amount, and air tickets) from the above-mentioned travel-related ordering page and/or ordering result data. cabin class, etc.), and then automatically generate exchange estimate information in the exchange field. In this way, the user's willingness to conduct exchange with cooperative/related banks can be increased. At the same time, the estimated amount that the user needs to exchange can be generated through order data analysis and extraction, thereby improving the convenience and efficiency of the user's exchange.

Figure 2 is a flow chart illustrating an online foreign exchange settlement system according to an embodiment of the present invention. FIG. 3 is a first schematic diagram illustrating an order page according to an embodiment of the present invention. FIG. 4 is a second schematic diagram of an order page according to an embodiment of the present invention. FIG. 5 is a third schematic diagram illustrating an order page according to an embodiment of the present invention. FIG. 6 is a fourth schematic diagram illustrating an order page according to an embodiment of the present invention. FIG. 7 is a fifth schematic diagram illustrating an order page according to an embodiment of the present invention. FIG. 8 is a sixth schematic diagram illustrating an order page according to an embodiment of the present invention. As shown in FIGS. 1 to 8 , in one embodiment, the user can browse multiple block information 1_S1, 1_S2, 1_S3, 1_S4, 1_S5, 1_S6, 1_S7, 1_S8, 1_S9, 1_S10, 1_S11, 1_S12, through the display 210. 1_S13, 1_S14 and 1_S15.

For example, the reservation webpage (i.e., order page) IM1 displays box information 1_S1 for displaying order information, box information 1_S2 for displaying the exchange field group, and box information 1_S3 for displaying the application key. The exchange screen IM2 displays box information 1_S4 for displaying the currency, box information 1_S5 for displaying the advertised exchange rate and preferential exchange rate, and box information 1_S6 for the next button. The subscription information page IM3 displays box information 1_S7 to display the foreign currency collection location and date field, box information 1_S8 to display the currency and amount of foreign exchange settlement cash, and box information 1_S9 to display foreign exchange declaration information. The subscriber and payment page IM4 displays box information 1_S10 to display the buyer information field group, and box information 1_S11 to display the payment method selection field.

The exchange confirmation screen IM5 displays box information 1_S12 to display the buyer's information confirmation, and box information 1_S13 to display the purchase currency and exchange rate. The return result IM6 shows that box information 1_S14 is used to display the subscription success information, and box information 1_S15 is used to display the payment information.

The content and quantity of the block information 1_S1, 1_S2, 1_S3, 1_S4, 1_S5, 1_S6, 1_S7, 1_S8, 1_S9, 1_S10, 1_S11, 1_S12, 1_S13, 1_S14 and 1_S15 in this embodiment are only examples. Any information related to tourism or difference Information such as travel-related ordering information, exchange amount and currency estimates, orderer information, and preferential exchange rates can all be included in the online exchange settlement system 100, and are not limited to what is shown in this embodiment.

The processor 130 is configured to retrieve travel information according to the order information on the order page (step S210). Specifically, when the user browses travel-related web pages through the display 210 of the terminal device 200 and completes travel-related orders (for example, booking accommodation, booking air tickets, renting a car, etc.) or searching for travel-related information. The processor 130 may retrieve travel information based on the user's ordering page (for example, the booking webpage IM1 shown in FIG. 3 ) or the ordering information 1_S1 in the search record. In one embodiment, the processor 130 can extract information related to foreign currency consumption (ie, travel information) from each field data in the above-mentioned ordering data 1_S1 through text analysis. For example, the above-mentioned travel information may include: travel country, room booking location, air ticket destination, travel days, room booking days, number of days between return air tickets, order amount, cash amount required for the order, etc. This case should not be limited to this.

Next, the processor 130 performs currency judgment processing and consumption estimation processing on the travel information according to the foreign currency estimation table to generate exchange estimation information (step S220). Exchange estimate information includes currency and amount. Specifically, the foreign currency forecast table includes currency field information and consumption forecast information. The consumption estimate information includes average consumption in each country, and the currency field information includes keywords corresponding to each currency and/or field options corresponding to each country. In other words, the processor 130 may compare the currency field information from the location in the travel information (eg, the United States) to generate the estimated currency (eg, U.S. dollars), and generate the estimated currency from the consumption estimate information (eg, the United States daily average Travel consumption) and the number of travel days in the travel information (for example, 8 days) to generate the estimated consumption amount. In this way, the processor 130 can integrate and generate the estimated consumption amount and estimated currency into exchange estimated information to provide users with reference, thereby saving the user's time in searching for foreign currency information and improving the user's ability to conduct exchange settlement. convenience.

Next, the processor 130 displays the exchange estimate information in multiple exchange fields on the order page (step S230). Specifically, the processor 130 automatically fills in the exchange estimate information into the exchange field group 1_S2 in the reservation web page IM1. In other words, when a user completes a travel order or performs a travel-related search, the online exchange settlement system can retrieve the exchange estimate information based on the data input by the user and bring the exchange estimate information into the exchange field. , in order to increase users' willingness to make exchanges on travel-related webpages and improve users' convenience for online settlement of exchanges.

Next, the processor 130 responds to the exchange confirmation instruction and uses the exchange estimate data as the exchange data (step S240). Next, the processor 130 outputs the exchange information (step S250). Specifically, after the user confirms that the currency and amount in the exchange rate estimate data are correct, the user clicks the application button 1_S3 through the terminal device 200 to output the exchange confirmation instruction to the online exchange settlement system 100 . Then, the processor 130 uses the exchange estimate data as exchange data, and sends the exchange data to the matching bank server. In this way, the online foreign exchange settlement system can increase users' willingness to settle foreign exchange with cooperating banks, thereby increasing the bank's transaction volume.

In one embodiment, before the step of the processor 130 retrieving travel information based on the order information on the order page, the processor 130 is further configured to: display the travel page and receive the order information to generate an order page. Specifically, the processor 130 can display a travel-related page to receive order information output by the user, and then generate an order page. On the other hand, the processor 130 displays the preferential exchange rate information (for example, the advertised exchange rate and the preferential exchange rate 1_S5) on the order page to increase the user's willingness to settle foreign exchange in this tourism aspect.

In one embodiment, processor 130 includes server 300 (eg, a bank server). In another embodiment, the processor 130 is communicatively connected to an external server 300 (eg, a bank server) through the transceiver 110 . In the present model, before the processor 130 responds to the exchange confirmation instruction and uses the exchange estimate data as the exchange data, the processor 130 is further configured to receive an editing instruction, update the exchange estimate information according to the editing instruction, and convert the updated exchange estimate information to the exchange estimate information. The exchange estimate information is sent to the server 300. The editing instructions can be about editing the collection location, collection time (for example, foreign currency collection location and date field 1_S7), amount adjustment, currency adjustment (for example, currency IS_4), exchange type (for example, foreign exchange declaration information 1_S9), Instructions for at least one of the payment method (eg, payment information 1_S15), travel destination, and applicant information (eg, purchaser information field group 1_S10).

In another embodiment, the processor 130 is further configured to perform data analysis on travel information to generate applicant information. Furthermore, the exchange estimate information includes applicant information. In one embodiment, the processor 130 may analyze the travel information to generate applicant information in the step of retrieving travel information based on the order information on the order page. In other words, the exchange estimate data includes the user's personal information, thus saving the user the trouble of re-entering the subscriber's information, thereby improving the efficiency and convenience of the user's online exchange settlement.

In another embodiment, after the processor 130 outputs the exchange data, the processor 130 is further configured to: receive the exchange confirmation data from the server 300 and display the exchange confirmation data on the exchange confirmation screen IM5 of the order page. Then, the processor 130 responds to the confirmation instruction and sends the exchange confirmation data to the server 300 . Furthermore, the processor 130 responds to the return result IM6 from the server 300 and displays the payment information 1_S15 and the subscription success information 1_S14 on the order page. Payment information includes payment methods and payment deadline reminders.

In another embodiment, after the processor 130 outputs the exchange data, the processor 130 is further configured to: receive the exchange confirmation data from the server 300 and display the exchange confirmation data on the exchange confirmation screen IM5 of the order page. Then, the processor 130 responds to the confirmation instruction and sends the exchange confirmation data and payment information to the server 300 . Furthermore, in response to receiving the payment confirmation result from the server 300, the processor 130 displays the exchange order and subscription success information 1_S14 on the order page. In other words, when the user's payment method is online payment, the processor 130 can receive the payment confirmation result through the server 300, so that the user can complete the foreign exchange settlement payment online, and display the payment result and withdrawal information on on the ordering page.

In summary, the online foreign exchange settlement system 100 and the online foreign exchange settlement method of the present invention can be combined with travel web pages and bank servers to provide users with foreign exchange settlement information and thereby improve the convenience of users' foreign exchange settlement. Moreover, the online exchange settlement system 100 retrieves travel-related information from the data input by the user, and then automatically fills the travel information into the exchange field. In this way, the online foreign exchange settlement system 100 allows users to complete foreign exchange settlement applications on the same travel webpage, while saving time in re-entering foreign exchange settlement information and applicant information, thus improving the convenience of users' foreign exchange settlement and increasing the user's willingness to settle foreign exchange online. Spend.

100:Online foreign exchange settlement system 110:Transceiver 120:Storage media 130: Processor 200:Terminal device 210:Display 300:Server S210, S220, S230, S240, S250: steps IM1: Booking page IM2:Exchange screen IM3: Subscription information page IM4: Applicant and payment page IM5: Exchange confirmation screen IM6: Return results 1_S1, 1_S2, 1_S3, 1_S4, 1_S5, 1_S6, 1_S7: Block information 1_S8, 1_S9, 1_S10, 1_S11, 1_S12: Block information 1_S13, 1_S14, 1_S15: Block information

Figure 1 is a schematic diagram illustrating the relationship between an online foreign exchange settlement system and a terminal device according to an embodiment of the present invention. Figure 2 is a flow chart illustrating an online foreign exchange settlement method according to an embodiment of the present invention. FIG. 3 is a first schematic diagram illustrating an order page according to an embodiment of the present invention. FIG. 4 is a second schematic diagram illustrating a data page according to an embodiment of the present invention. FIG. 5 is a third schematic diagram illustrating a data page according to an embodiment of the present invention. FIG. 6 is a fourth schematic diagram illustrating a data page according to an embodiment of the present invention. FIG. 7 is a fifth schematic diagram illustrating a data page according to an embodiment of the present invention. FIG. 8 is a sixth schematic diagram illustrating a data page according to an embodiment of the present invention.

100:Online foreign exchange settlement system

110:Transceiver

120:Storage media

130: Processor

200:Terminal device

210:Display

300:Server

Claims (14)

An online foreign exchange settlement system, including: a transceiver; A storage medium that stores a foreign currency estimate table, wherein the foreign currency estimate table includes currency field information and consumption estimate information; A processor coupled to the transceiver and the storage medium, wherein the processor is used to execute: Retrieve travel information based on an order information on an order page; According to the foreign currency estimation table, currency judgment processing and consumption estimation processing are performed on the travel information to generate an exchange estimation information; Display the exchange estimate information in multiple exchange fields on the order page; In response to an exchange confirmation instruction, use the exchange estimate information as an exchange information; and Export the exchange data. The online settlement system as described in request item 1, wherein before the processor retrieves the travel information based on the order information on the order page, the processor is further used to execute: display a travel page; and An ordering information is received to generate the ordering page. The online exchange settlement system as described in claim 1 further includes a server, wherein the processor is further configured to execute before executing the exchange estimate data as the exchange data in response to the exchange confirmation instruction: receive an editing command; Update the exchange estimate information according to the editing instruction; and Send the updated exchange estimate information to the server. The online foreign exchange settlement system as described in claim 1, wherein the processor is further used to execute: Perform data analysis on the travel information to generate an applicant information; Among them, the exchange estimate information includes the applicant's information. The online exchange settlement system as described in claim 3, wherein the editing instruction includes at least one of the collection location, collection time, amount adjustment, currency adjustment, exchange type, payment method, travel destination and applicant information. The online foreign exchange settlement system as described in claim 3, wherein the processor is further used to execute: Receive exchange confirmation information from the server; Display the exchange confirmation information on an exchange confirmation screen on the order page; In response to a confirmation command, transmit the exchange confirmation information to the server; and In response to a server returning a result, a payment information and a subscription success information are displayed on the order page. The online foreign exchange settlement system as described in claim 3, wherein the processor is further used to execute: Receive exchange confirmation information from the server; Display the exchange confirmation information on an exchange confirmation screen on the order page; In response to a confirmation command, transmit the exchange confirmation information and a payment information to the server; and In response to receiving a payment confirmation result from the server, an exchange order and a subscription success message are displayed on the order page. An online foreign exchange settlement method, suitable for an online foreign exchange settlement system, the method includes the following steps: Retrieve travel information based on an order information on an order page; According to a foreign currency estimation table, currency judgment processing and consumption estimation processing are performed on the travel information to generate an exchange estimation information; Display the exchange estimate information in multiple exchange fields on the order page; In response to an exchange confirmation instruction, use the exchange estimate information as an exchange information; and Export the exchange data. The method described in claim 8, before the step of retrieving the travel information based on the order information on the order page, the method further includes: display a travel page; and An ordering information is received to generate the ordering page. The method of claim 8, wherein the online exchange settlement system includes a server, and before the step of using the exchange estimate data as the exchange data in response to the exchange confirmation instruction, the method further includes: receive an editing command; Update the exchange estimate information according to the editing instruction; and Send the updated exchange estimate information to the server. The method described in request item 8, wherein the method further includes: Data analysis is performed on the travel information to generate an applicant information; wherein the exchange estimate information includes the applicant information. The method as described in claim 10, wherein the editing instruction includes at least one of the collection location, collection time, amount adjustment, currency adjustment, exchange type, payment method, travel destination and applicant information. The method described in claim 10, wherein the method further includes: Receive exchange confirmation information from the server; Display the exchange confirmation information on an exchange confirmation screen on the order page; In response to a confirmation command, transmit the exchange confirmation information to the server; and In response to a server returning a result, a payment information and a subscription success information are displayed on the order page. The method described in claim 10, wherein the method further includes: Receive exchange confirmation information from the server; Display the exchange confirmation information on an exchange confirmation screen on the order page; In response to a confirmation command, transmit the exchange confirmation information and a payment information to the server; and In response to receiving a payment confirmation result from the server, an exchange order and a subscription success message are displayed on the order page.

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