TWI665634B - Exchange transaction management system and a management method thereof - Google Patents

Abstract

A foreign exchange transaction management system, including a background host and a server, wherein the background host and the server belong to a financial institution. The server receives at least one transaction request, and each transaction request includes a foreign exchange transaction. The server determines whether at least one foreign exchange transaction meets the merger condition, and if so, the server calculates the cost exchange rate of the foreign exchange transaction, and generates combined transaction information according to the foreign exchange transaction, and then transmits the combined transaction information to the background host. The background host updates the foreign exchange location based on the received merge transaction information. The merger transaction information includes a cost exchange rate, and the merger condition includes that the total transaction amount of the above foreign exchange transaction is higher than the accumulated amount threshold. In addition, a foreign exchange transaction management method has also been proposed.

Description

Foreign exchange transaction management system and its management method

The invention relates to a trading system, and in particular to a foreign exchange trading foreign exchange management system and a management method thereof.

Today, with the rapid development of financial technology, people are no longer limited by specific time and place when conducting foreign exchange transactions. Because of this, the number of small foreign exchange transactions has increased significantly in recent years. In the past, financial institutions' mid- and back-office accounting systems recorded and processed each foreign exchange transaction and immediately updated its exchange position.

However, for a single financial institution, if there are too many foreign exchange transactions in a short period of time, the burden on the system will be greatly increased, which may result in the inability to respond to the customer's transaction request in time, or the inability to process each transaction in a timely manner. . Updating hardware with more computing power is a possible solution, but it will inevitably cost a lot of money. Therefore, how to provide a good solution and to respond to a large number of foreign exchange transactions in a timely manner without consuming excessive costs is a common goal of those skilled in the art.

The invention provides a foreign exchange transaction management system and a method thereof, which can first sort and transfer a plurality of foreign exchange transactions to a background host to reduce the burden on the system.

The invention provides a foreign exchange transaction management system, including a background host and a server. Both the background host and the server belong to the financial institution, and the server is connected to the background host. The background host is used to update the foreign exchange position of the financial institution. The server is configured to receive at least one first transaction request, and each of the first transaction requests includes a foreign exchange transaction. The server determines whether at least one foreign exchange transaction meets the merger condition, and if so, the server calculates the cost exchange rate of the foreign exchange transaction, and generates combined transaction information according to the foreign exchange transaction, and then transmits the combined transaction information to the background host. The background host updates the foreign exchange location based on the received merge transaction information. The merger transaction information includes a cost exchange rate, and the merger condition includes that the total transaction amount of the above foreign exchange transaction is higher than the accumulated amount threshold.

In an embodiment of the invention, if the foreign exchange transaction does not meet the merge condition, the server continues to receive at least one second transaction request, and each of the second transaction requests includes a foreign exchange transaction.

In an embodiment of the present invention, the server further determines whether the plurality of foreign exchange transactions meet the merge condition, and if yes, the server calculates a cost exchange rate of the plurality of foreign exchange transactions, and generates combined transaction information according to the plurality of foreign exchange transactions. And the merge transaction information is delivered to the background host, and the background host updates the foreign exchange location according to the received merge transaction information.

In an embodiment of the invention, the combining condition further includes that the total accumulated time of at least one foreign exchange transaction is higher than the accumulated time threshold.

In an embodiment of the invention, the merging condition further comprises receiving an external input instruction, wherein the external input instruction indicates that the combined transaction information is generated.

In an embodiment of the invention, the server generates the merge transaction information according to at least one of a transaction branch, a transaction currency, and a transaction direction of each foreign exchange transaction.

In an embodiment of the invention, the server receives the first transaction request from a central host of the financial institution, and the server transmits the merged transaction information to the central host.

In an embodiment of the invention, the server notifies the central host to complete each foreign exchange transaction at an instant transaction rate.

In an embodiment of the invention, the server further records the foreign exchange transaction and the real-time transaction rate corresponding to each foreign exchange transaction.

From another point of view, the present invention proposes a foreign exchange transaction management method comprising the following steps. Receive at least one transaction request, each transaction request including a foreign exchange transaction. Determining whether the foreign exchange transaction meets the merger condition, wherein the merger condition includes that the total transaction amount of the foreign exchange transaction is higher than the accumulated amount threshold. If the foreign exchange transaction meets the merger condition, calculating a cost exchange rate of the foreign exchange transaction, and generating combined transaction information according to the foreign exchange transaction, wherein the consolidated transaction information includes a cost exchange rate. The merge transaction information is transmitted to the background host, wherein the background host is used to update the financial institution's foreign exchange location according to the merge transaction information.

Based on the above, the foreign exchange transaction management system and the management method thereof according to the embodiments of the present invention can accumulate foreign exchange transactions until the total transaction amount reaches the accumulated amount threshold, or the foreign exchange transactions to be merged are accumulated to a predetermined cumulative time threshold. At this time, the foreign exchange transactions are merged into a small amount of combined transaction information, and the combined merger transaction information is transmitted to the background host to update the foreign exchange position. In this way, the computing and transmission burden of the hardware system of the financial institution can be reduced at the same time, and the foreign exchange location can be updated in real time.

The above described features and advantages of the invention will be apparent from the following description.

DETAILED DESCRIPTION OF THE INVENTION Reference will now be made in detail to the exemplary embodiments embodiments In addition, wherever possible, the same reference numerals in the drawings

1 is a schematic block diagram of a foreign exchange transaction management system according to an embodiment of the present invention; and FIG. 2 is a schematic diagram showing a usage environment of a foreign exchange transaction management system according to an embodiment of the present invention. Referring to FIG. 1 and FIG. 2, the foreign exchange transaction management system 100 includes a server 110 and a background host 120, wherein the server 110 is connected to the background host 120.

In one embodiment, the foreign exchange transaction management system 100 belongs to a financial institution FIN for managing the foreign exchange transaction business of the financial institution FIN, including updating the exchange position of the financial institution FIN. The central host CH of the financial institution FIN is, for example, a server host located in the information office of the financial institution FIN, which provides a foreign exchange trading interface, and the financial institution FIN's customers can use the personal online banking or the branch of the financial institution FIN to present foreign exchange to the central host CH. Trading request FX.

The transaction request FX is, for example, requesting a foreign exchange transaction. In an embodiment, the transaction request FX includes, for example, a transaction currency, a transaction direction, and a desired exchange rate for requesting to trade the transaction in a local currency (eg, NT) at a desired exchange rate and transaction direction. Currency. In another embodiment, the transaction request FX includes, for example, two transaction currencies, a transaction direction, and a desired exchange rate for requesting to trade the two of the above two transaction currencies at a desired exchange rate and a transaction direction. Another of the trading currencies. The present invention does not limit the content information included in the foreign exchange transaction request FX, and the general knowledge in the field can be appropriately increased, decreased, or modified according to requirements.

After the central host CH receives the foreign exchange transaction request FX, the transaction request FX is transmitted to the foreign exchange transaction management system 100 of the embodiment of the present invention. The server 110 of the foreign exchange transaction management system 100 receives the transaction request FX from the central host CH and determines whether or not to accept the transaction request FX. After receiving at least one transaction request FX and completing at least one foreign exchange transaction in the transaction request FX, the server 110 generates a transaction information and transmits it to the background host 120, so that the background host 120 updates the financial institution according to the transaction information. FIN's foreign exchange position.

The server 110 includes, for example, a communication unit, a storage unit, and a processing unit. The communication unit and the storage unit are respectively coupled to the processing unit. The communication unit can support global system for mobile communication (GSM), personal handy-phone system (PHS), code division multiple access (CDMA) system, and broadband code division. Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi-Fi) The component of the system or Bluetooth signal transmission is used to communicate with the central host CH and the background host 120.

The processing unit can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above.

The storage unit can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory or the like. A combination of the above elements. In one embodiment, a plurality of code segments are stored in the storage unit of the server 110, and the code segments are executed by the processing unit after the code segments are installed. For example, the storage unit includes a plurality of modules, and the foreign exchange transaction management method in the embodiment of the present invention is separately executed by the modules, wherein each module is composed of one or more code segments. However, the present invention is not limited thereto, and the respective operations of the server 110 may be implemented in a manner using other hardware forms.

The background host 120 includes, for example, a communication unit, a storage unit, and a processing unit, which are similar to the communication unit, the storage unit, and the processing unit in the server 110, and are not described herein again. In an embodiment, the background host 120 is, for example, an accounting system in the background of the financial institution FIN Finance Department. After receiving the transaction information from the server 110, for example, it will be used to update the foreign exchange portion of the financial institution FIN.

FIG. 3 is a flow chart showing a method for managing foreign exchange transactions according to an embodiment of the present invention. Referring to FIG. 3, the foreign exchange transaction management method introduced in the embodiment of FIG. 3 is applicable to the foreign exchange transaction management system 100 of FIG. 1 and FIG. 2 and its use environment. The same reference numerals are used to denote the same or similar elements.

First, the server 110 receives at least one transaction request FX from the central host CH (S310), wherein each transaction request FX separately requests a foreign exchange transaction. The server 110 requests the FX to check the correctness of each transaction, and after the check is passed, notifies the central host to complete the foreign exchange transaction requested in the transaction request FX at the instant transaction rate (S320). Next, the server 110 records the completed foreign exchange transaction and its real-time transaction rate in a form to be merged. If a transaction request FX fails the check (for example, the data is incorrect, etc.), the server 110 returns an error message corresponding to the transaction request FX to the central host CH. In an embodiment, the instant transaction rate is, for example, the current exchange rate (eg, market price) when the transaction request FX is received by the server 110 or the expected exchange rate in the transaction request FX, and the invention is not limited thereto.

After recording at least one foreign exchange transaction to the form to be merged, the server 110 determines whether at least one foreign exchange transaction requested by the transaction request FX in the form to be merged meets the merge condition (S330). When the foreign exchange transaction requested in the transaction request FX recorded in the form to be merged meets the merger condition, the server 110 calculates the cost exchange rate of the foreign exchange transaction requested in the transaction request FX recorded, and generates a merger according to the foreign exchange transactions. Trading Information (S340). Finally, the server 110 passes the generated merge transaction information to the background host 120 (S350), so that the background host 120 updates the foreign exchange portion of the financial institution FIN according to the merge transaction information.

It is worth mentioning that, in an embodiment, after the server 110 generates the merge transaction information in step S340, the status of the merged foreign exchange transaction in the form to be merged is recorded as merged. In addition, in an embodiment, the central host CH also records relevant information of the foreign exchange transaction of the financial institution FIN. Therefore, the server 110 further transmits the merged transaction information to the central host CH to allow the central host CH to update its recorded foreign exchange transaction data.

In an embodiment, the merging condition includes, for example, the total transaction amount of the foreign exchange transaction described above is higher than the accumulated amount threshold, and a total accumulated time that is not merged after the completion of the foreign exchange transaction is higher than the accumulated time threshold. Therefore, step S330 again includes step S331 and step S333 which are sequentially interchangeable. In step S331, the server 110 determines whether the total transaction amount of the foreign exchange transaction requested in the transaction request FX in the form to be merged is higher than the accumulated amount threshold. In step S333, the server 110 determines whether the total accumulated time of the foreign exchange transactions requested in the transaction request FX in the form to be merged is higher than the accumulated time threshold. In an embodiment, the server 110 determines whether the unconsolidated foreign exchange transaction that is the earliest completed in the form to be merged, and whether the total accumulated time since the completion of the transaction is higher than the accumulated time threshold. If the total transaction amount is higher than the accumulated amount threshold, or the total accumulated time is higher than the accumulated time threshold, it indicates that the merge condition has been met, and the process proceeds to step S340. On the other hand, if the total transaction amount is not higher than the accumulated amount threshold, and the total accumulated time is higher than the accumulated time threshold, then returning to step S310 to continue receiving the transaction request FX, and then repeating the steps S320 to S350 above, no longer Narration. In another embodiment, the server 110 may also receive an external input command, for example, to force the process to step S340 to generate merged transaction information. The present invention does not limit the specific content of the merging conditions here, and those skilled in the art can set the merging conditions according to their needs.

For example, server 110 may, for example, set a cumulative amount threshold and a cumulative time threshold, such as $1,000 and 420 seconds. When the total transaction amount of the foreign exchange transaction requested in the transaction request FX is higher than 1000 US dollars, or when the total accumulated time of any transaction request FX from being received by the server 110 exceeds 420 seconds, it indicates that the foreign exchange transactions conform to the merger condition. After proceeding to step S340, the server 110 generates combined transaction information according to at least one of the transaction branch, the transaction currency, and the transaction direction of the foreign exchange transactions. Several embodiments will be described below to illustrate a method by which server 110 generates consolidated transaction information based on foreign exchange transactions.

First embodiment

In this embodiment, the server 110 sequentially completes four foreign exchange transactions FX1 to FX4 at transaction time T1 to T4, as shown in Table 1.1 below:

Table 1.1

Taking the foreign exchange transaction FX1 as an example, the server 110 receives the first transaction request FX requesting the foreign exchange transaction FX1 at time T1, and instructs the financial institution FIN to sell 500 dollars for NT$14,751, and the real-time transaction rate is 29.501.

Taking the foreign exchange transaction FX2 as an example, the server 110 receives the first transaction request FX requesting the foreign exchange transaction FX2 at time T2, and instructs the financial institution FIN to sell 600 US dollars at NT$17,700, and the real-time transaction rate is 29.501. Other foreign exchange transactions in Table 1.1 are deduced by analogy and will not be repeated here.

In this embodiment, the server 110 sets, for example, a cumulative amount threshold of $1,000, a cumulative time threshold of 420 seconds, and each foreign exchange transaction FX1 to FX4 is received by the server 110 for no more than 420 seconds.

Since the total transaction amount of Forex trading FX1 and FX2 is $1,100, which exceeds the cumulative amount threshold of $1,000, it meets the merger conditions. In this embodiment, the server 110 generates the merge transaction information MTI1 according to the foreign exchange transactions FX1 and FX2. Since the total transaction amount of Forex trading FX3 and FX4 is $1,100, which exceeds the accumulated amount threshold of $1,000, it meets the merger conditions. In this embodiment, the server 110 generates the merge transaction information MTI2 according to the foreign exchange transactions FX3 and FX4. See Table 1.2 below.

Table 1.2

Taking the combined transaction information MTI1 as an example, the merged transaction information MTI1 includes the merged direction, the combined transaction amount, and the cost exchange rate. The merger transaction information MTI1 is the transaction information for combining the foreign exchange transactions FX1 and FX2. Therefore, in terms of financial institution FIN, it sold a total of US$1,100 in NT$32,451 (ie, 14751+17700) in foreign exchange transactions FX1 and FX2. (ie, 500+600), so the merged transaction information MTI1 is also sold in the merged direction, and the cost exchange rate is 29.501 (ie, 32451/1100).

Taking the merged transaction information MTI2 as an example, the merged transaction information MTI2 includes the merged direction, the combined transaction amount, and the cost exchange rate. Merger transaction information MTI2 is the transaction information for the merger of foreign exchange trading FX3 and FX4. Therefore, in terms of financial institution FIN, it bought a total of US$1,400 (in 14747+17693) for foreign exchange transactions in FX3 and FX4. (ie, 500+600), so the combined merger transaction information MTI1 is also bought in the merged direction, and the cost exchange rate is 29.491 (ie, 32440/1100).

In this way, the server 110 can arrange the four smaller foreign exchange transactions FX1 to FX4 into two larger combined transaction information MTI1 and MTI2 and then pass to the background host 120. In this way, not only the load amount during the transmission process is reduced, but also the computing burden of the background host 120 when updating the foreign exchange portion is reduced.

Second embodiment

In this embodiment, the server 110 sequentially completes four foreign exchange transactions FX1 to FX4 at transaction time T1 to T4, as shown in Table 2.1 below:

Table 2.1

The contents of the foreign exchange transactions in Table 2.1 have been described in detail in the first embodiment, and will not be further described herein.

In the present embodiment, the server 110 sets, for example, a cumulative amount threshold of $25,000 and a cumulative time threshold of 420 seconds. The server 110 only completes and records three foreign exchange transactions of FX2 to FX4 within 420 seconds after the foreign exchange transaction FX1 is completed and recorded to the form to be merged. Therefore, if there is a next transaction to the pending form, the foreign exchange transaction will also occur after 420 seconds after time T1.

In this way, the server 110 generates a merge according to the transaction currency of the foreign exchange transactions FX1 to FX4 and the transaction direction when the total accumulated time of the foreign exchange transaction FX1 reaches the accumulated time threshold (for example, 420 seconds from the time T1). Trading information MTI1 and MTI2. In detail, since the foreign exchange transactions FX1 and FX2 are both "sell" and "dollar", the server 110 generates the merge transaction information MTI1 based on the foreign exchange transactions FX1 and FX2. In the same way, since the foreign exchange transactions FX3 and FX4 are both "buy" and "HKD", the server 110 will generate the merge transaction information MTI2 based on the foreign exchange transactions FX3 and FX4. As shown in Table 2.2 below.

Table 2.2

The content of each merge transaction information in Table 2.2 has been described in detail in the first embodiment, and will not be further described herein.

In some cases, the FIN's short-term foreign exchange trading volume does not allow the total transaction amount to reach the cumulative amount threshold. As a result, many of the completed foreign exchange transactions may be awaiting consolidation in the pending form, and it is too late to be used to update the foreign exchange position of the financial institution FIN, resulting in an overall lack of immediate response.

Therefore, the foreign exchange transaction management system 100 of the present embodiment waits for a predetermined period of time in the forexification form in the forex transaction, and even if the total transaction amount does not reach the accumulated amount threshold, the forex merged form is directly merged. The foreign exchange transaction is merged into the combined transaction information to facilitate the immediate update of the foreign exchange position of the financial institution FIN.

In this embodiment, the number of merged merged transaction information MTI1 and MTI2 is 50% less than the number of foreign exchange transactions FX1 to FX4. Therefore, similar to other embodiments of the present invention, the foreign exchange transaction management system 100 of the present embodiment is not only The load amount during the transmission process is reduced, and the computational burden of the background host 120 when updating the foreign exchange portion is also alleviated.

Third embodiment

In this embodiment, the server 110 sequentially completes five foreign exchange transactions FX1 to FX5 at transaction time T1 to T5, as shown in Table 3.1 below:

Form 3.1

The contents of the foreign exchange transactions FX1 to FX4 in Table 3.1 have been described in detail in the first embodiment, and will not be further described herein.

In particular, Forex Trading FX5 includes two trading currencies. Therefore, as described in the foregoing description, the foreign exchange transaction FX5 in this embodiment indicates that the financial institution FIN sold 823.85 euros for 1,000 dollars, and the real-time transaction rate was 1.3352.

In the present embodiment, the server 110 sets, for example, the cumulative amount threshold value to be equivalent to $1,000, and the cumulative time threshold is 420 seconds. The time difference between the time T3 and the time T3 that the foreign exchange transactions FX3 to FX5 are received by the server 110 does not exceed 420 seconds.

In this embodiment, since the total transaction amount of the foreign exchange transaction FX1 is 1,100 US dollars, which exceeds the accumulated amount threshold of 1000 US dollars, the merger conditions are met. Therefore, the server 110 generates the merge transaction information MTI1 based on the foreign exchange transaction FX1. As the total transaction amount of foreign exchange trading FX2 is 1,200 US dollars, exceeding the accumulated amount threshold of 1000 US dollars, in line with the merger conditions. Therefore, the server 110 generates the merge transaction information MTI2 based on the foreign exchange transaction FX2.

In addition, since the total transaction amount of foreign exchange trading FX3 to FX5 is 1123.85 euros, the equivalent value of the accumulated amount threshold is more than 1000 US dollars, which is in line with the merger conditions. Therefore, in the present embodiment, the server 110 generates merge transaction information MTI3 and MTI4 according to the transaction currency of the foreign exchange transactions FX3 to FX5. As shown in Table 3.2 below.

Table 3.2

The content of each merge transaction information in Table 3.2 has been described in detail in the first embodiment, and will not be further described herein.

In this embodiment, when the server 110 generates the merge transaction information MTI3 and MTI4 according to the foreign exchange transactions FX3 to FX5, since the transaction currency of the foreign exchange transaction FX3 and FX4 is the same, and the transaction currency of the foreign exchange transaction FX5 is different, the servo is different. The unit 110 generates the merge transaction information MTI3 according to the foreign exchange transactions FX3 and FX4, and generates another merge transaction information MTI4 according to the foreign exchange transaction FX5.

In the present embodiment, the contents of the merged transaction information MTI1, MTI2, and MTI4 are the same as the foreign exchange transactions FX1, FX2, and FX5, respectively, because the transaction amount of the single foreign exchange transaction is sufficiently large. A large amount of transactions is relatively important for the financial institution FIN, and has a greater impact on the foreign exchange position of the financial institution FIN. Therefore, if the transaction amount of a single foreign exchange transaction is greater than the accumulated amount threshold, the transaction information will be directly The merge transaction information is passed to the background host 120 to update the foreign exchange portion of the financial institution FIN.

In the present embodiment, the number of merged merge transaction information MTI1 to MTI4 is 20% less than the number of foreign exchange transactions FX1 to FX5, and therefore, similar to other embodiments of the present invention, the foreign exchange transaction management system 100 of the present embodiment is not only The load amount during the transmission process is reduced, and the computational burden of the background host 120 when updating the foreign exchange portion is also alleviated.

It is worth mentioning that, in the embodiment of the present invention, when the total transaction amount of the unmerged foreign exchange transaction in the to-be-combined form reaches the accumulated amount threshold, or the total accumulated time reaches the accumulated time threshold, the server 110 will These unconsolidated foreign exchange transactions are combined to generate consolidated transaction information. However, the present invention does not limit the basis for actual merging here. In some embodiments, the server 110 may combine foreign exchange transactions only to generate consolidated transaction information in accordance with the transaction currency. In other embodiments, the server 110 may also combine foreign exchange transactions to generate consolidated transaction information based on the transaction currency and the transaction direction. In other words, the field has the conditions under which the general knowledge can set the combined foreign exchange transaction according to their needs.

In summary, the foreign exchange transaction management system and the management method thereof according to the embodiments of the present invention can accumulate foreign exchange transactions until the total transaction amount reaches the accumulated amount threshold, or the foreign exchange transactions to be merged are accumulated to a predetermined cumulative time. At the threshold, these foreign exchange transactions are merged into a smaller number of combined transaction information, and the combined merger transaction information is transmitted to the background host to update the foreign exchange position. In this way, the computing and transmission burden of the hardware system of the financial institution can be reduced at the same time, and the foreign exchange location can be updated in real time. In addition, the foreign exchange transaction management system of the embodiment of the present invention promptly checks the received transaction request after receiving the transaction request, and immediately responds to the transaction request at the instant transaction exchange rate after the transaction request passes the check. Accordingly, while merging foreign exchange transactions to reduce the burden on the system, it is also possible to maintain good transaction quality and speed.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and any one of ordinary skill in the art can make some changes and refinements without departing from the spirit and scope of the present invention. The scope of the invention is defined by the scope of the appended claims.

100‧‧‧Forex Trading Management System

110‧‧‧Server

120‧‧‧Backstage host

CH‧‧‧Center host

FIN‧‧ financial institutions

FX‧‧‧Transaction request

S310~S350‧‧‧ steps for foreign exchange management methods

1 is a schematic block diagram of a foreign exchange transaction management system in accordance with an embodiment of the present invention. 2 is a schematic diagram showing a usage environment of a foreign exchange transaction management system according to an embodiment of the present invention. FIG. 3 is a flow chart showing a method for managing foreign exchange transactions according to an embodiment of the present invention.

Claims (10)

A foreign exchange transaction management system, comprising: a background host, belonging to a financial institution for updating a foreign exchange part of the financial institution; and a server belonging to a financial institution connected to the background host for receiving at least one a transaction request, wherein each of the first transaction requests includes a foreign exchange transaction, wherein the server determines whether the at least one foreign exchange transaction meets a merger condition, wherein if the at least one foreign exchange transaction meets the merger condition, the server calculates the a cost exchange rate of at least one foreign exchange transaction, generating a combined transaction information according to the at least one foreign exchange transaction, and transmitting the combined transaction information to the background host, wherein the background host updates the foreign exchange portion according to the consolidated transaction information, wherein the merger The transaction information includes the cost exchange rate, wherein the merger condition includes a total transaction amount of the at least one foreign exchange transaction being greater than a cumulative amount threshold. The foreign exchange transaction management system of claim 1, wherein if the at least one foreign exchange transaction does not meet the merger condition, the server continues to receive at least one second transaction request, wherein each of the second transaction requests includes a foreign exchange transaction. The foreign exchange transaction management system of claim 2, wherein the server further determines whether the foreign exchange transactions meet the merger condition, wherein if the foreign exchange transactions meet the merger condition, the server calculates the foreign exchange The cost exchange rate of the transaction, the merge transaction information is generated according to the foreign exchange transactions, and the merge transaction information is delivered to the background host, and the background host updates the foreign exchange location according to the merge transaction information. The foreign exchange transaction management system of claim 1, wherein the merger condition further comprises a total accumulated time of the at least one foreign exchange transaction being higher than a cumulative time threshold. The foreign exchange transaction management system of claim 1, wherein the merging condition further comprises receiving an external input instruction, wherein the external input instruction indicates that the combined transaction information is generated. The foreign exchange transaction management system of claim 1, wherein the server generates the combined transaction information according to at least one of a transaction branch, a transaction currency, and a transaction direction of each foreign exchange transaction. The foreign exchange transaction management system of claim 1, wherein the server receives the at least one first transaction request from a central host of the financial institution, and the server transmits the merged transaction information to the central host . For example, in the foreign exchange transaction management system described in claim 7, wherein the server notifies the central host to complete each foreign exchange transaction at a real-time transaction rate. The foreign exchange transaction management system of claim 8, wherein the server further records the at least one foreign exchange transaction and the instant transaction exchange rate corresponding to each foreign exchange transaction. A foreign exchange transaction management method includes: receiving at least one transaction request, wherein each of the transaction requests includes a foreign exchange transaction; determining whether the at least one foreign exchange transaction meets a merger condition, wherein the merger condition includes a total transaction of the at least one foreign exchange transaction The amount is higher than a cumulative amount threshold; If the at least one foreign exchange transaction meets the merger condition, calculating a cost exchange rate of the at least one foreign exchange transaction, and generating a combined transaction information according to the at least one foreign exchange transaction, wherein the consolidated transaction information includes the cost exchange rate; and delivering the merger transaction The information is sent to a background host, wherein the background host is configured to update a foreign exchange location of a financial institution according to the merge transaction information.