TWI688916B - Foreign exchange investment system and method for online trading - Google Patents

Abstract

The invention mainly relates to a foreign exchange investment system and method thereof for online trading, mainly for providing a client to directly conduct foreign exchange investment and transaction on the line, so as to make the foreign exchange investment process immediacy. At the same time, it will also enable the client to know the foreign exchange trend of each country at a glance to provide more convenient foreign exchange investment tools.

Description

Foreign exchange investment system and method for online trading

The creation of the present invention relates to an investment system, especially a foreign exchange investment system that can be bought and sold online. In addition, in view of the relevant provisions of the same invention in a broad sense, this specification also proposes an investment method, especially a foreign exchange investment method that can be bought and sold online.

As the financial trading market continues to flourish, various financial commodities are constantly being introduced, such as bonds, funds, warrants, stocks, futures, etc. However, financial commodities have certain investment risks. Some people have the ability to bear risks, or they want to invest in their hearts. Those with lower risks will operate in the foreign exchange market.

However, the current method of foreign exchange operations is nothing more than to go to the bank to purchase counters, bargain, or trade with the trader through the phone. However, this method of foreign exchange investment is not only inconvenient and not transparent, which makes it difficult for customers to grasp the real-time foreign exchange trends. If they negotiate with traders by phone, the time difference between one exchange and the other will often miss the best investment opportunity.

Secondly, the creator of the present invention believes that there should be an investment system that enables customers to conduct foreign exchange transactions immediately even if they grasp the direction of foreign exchange, thereby reducing many of the problems caused by the above problems.

In view of the deficiencies described in the prior art, the creator of the present invention proposes a solution, which relates to a foreign exchange investment system that can be bought and sold online, including: an operation terminal: The operation terminal has a display unit for displaying the foreign exchange investment interface, and an input unit electrically connected to the display unit, the input unit can be used to input an identity verification data, and according to the foreign exchange investment interface, input a foreign currency to be purchased Type and number of transactions.

A processing unit: the processing unit is located in the cloud and the information is connected to the operation terminal. The processing unit is electrically connected to an identity database. The processing unit is written with an identity identification program, a foreign exchange investment interface program, a Transaction program, a credit limit program, a favorite setting program and a transaction detail program; the identity identification program takes one of the identity data in the identity database to determine the authenticity of the identity verification data, when the identity verification data passes the verification , The processing unit starts to execute the foreign exchange investment interface program; the foreign exchange investment interface program makes the foreign exchange investment interface, the foreign exchange investment interface includes a sub-interface of foreign exchange transactions, the sub-interface of foreign exchange transactions includes a first transaction sub-interface and a The second transaction sub-interface, the first transaction sub-interface can be set within a specific amount, and the customer completes the transaction within a specific time according to the listing price set by the bank in the transaction system, and the second transaction sub-interface can be connected through the processing unit A trader's end, so that the second trading sub-interface can be set within a specific amount. After the customer enters the trading conditions, the transaction is sent to the front-end trader. The trader must know the trading status by opening the system's trader's real-time monitoring interface , And provide a quotation to the customer to decide whether to complete the transaction within a specific period; the transaction program can be executed by the processing unit: according to the type of foreign exchange to be purchased, and the number of transactions, and the transaction results are returned to the operating terminal ; The credit limit program sets a credit limit based on the identity data. When the transaction program is executed, a transaction amount is calculated based on the type of foreign exchange to be purchased, a foreign exchange type exchange rate and the number of transactions, and then based on a risk weight, the The transaction amount and a Momentom Index calculate a credit limit deduction, and then deduct the credit limit deduction from the credit limit. When the credit limit is negative after deducting the credit deduction, the execution is cancelled. The transaction program; the transaction detail program. After the transaction is successful, the processing unit aggregates the foreign exchange type and the transaction quantity are placed in the transaction detail sub-interface, which includes a first sub-interface and a second Sub-interface, the first sub-interface presents the customer's trading status on the day, and the second sub-interface displays Customer's transaction status before yesterday.

Through the foreign exchange investment interface, the client can see the exchange rate movements of various foreign exchange types at a glance, and the system will update the latest foreign exchange type exchange rate at all times, so that the client can provide the client online even if the exchange rate is mastered. Trade in real time to avoid the time difference caused by traditional traders' exchanges, so as to solve the deficiencies mentioned in the previous technology.

In view of the relevant provisions of the Patent Law on the same invention in a broad sense, this specification also proposes a foreign exchange investment method that can be bought and sold online, including the following steps: (1) The customer enters identity verification data through an operating terminal, and the identity verification data passes a setting After the processing unit in the cloud is verified, a processing unit creates a foreign exchange investment interface, and the foreign exchange investment interface has a sub-interface of exchange rate transactions of various countries, and the sub-interface of exchange rate transactions of each country also has a first transaction sub-interface and a second Transaction sub-interface; (2) The first transaction sub-interface can be set within a specific amount, and the customer completes the transaction within a specific time according to the listed price set by the bank in the transaction system; the second transaction sub-interface is connected through the processing unit A trader's end, so that the second trading sub-interface can be set within a specific amount. After the customer enters the trading conditions, the transaction is sent to the front-end trader. The trader must know the trading status by opening the system's trader's real-time monitoring interface , And provide a quotation to the customer to decide whether to complete the transaction within a specific period; (3) the processing unit conducts transactions based on the type of foreign exchange and the number of transactions, and returns the results to the operating terminal; (4) the identity information includes A credit line, when the processing unit is trading, the processing unit calculates a transaction amount based on the type of foreign exchange to be purchased, an exchange rate of the type of foreign exchange, and the number of transactions, and then based on a risk weight, the transaction amount, and a The Momentom Index calculates a credit limit deduction. When the credit limit is negative after deducting the credit deduction, the processing unit cancels the transaction; (5) The transaction detail program. When the transaction is successful, the processing The unit assembles the foreign exchange type and the transaction quantity on the transaction detail sub-interface; (6) The transaction detail sub-interface has a first sub-interface and a second sub-interface. The first sub-interface presents the customer's transaction status on the day, and the second sub-interface displays the customer's transaction status before yesterday.

Since the foreign exchange investment method has the same technical characteristics as the foreign exchange investment system, the advantages and characteristics of the foreign exchange investment method will not be repeated here.

(1): Operation side

(11): Display unit

(12): Operating unit

(2): Foreign exchange investment interface

(21): Sub-interface of exchange rate transactions of various countries

(211): The first trading sub-interface

(212): Second trading sub-interface

(22): Transaction details sub-interface

(221): The first sub-interface

(222): Second sub-interface

(23): Foreign exchange type forward exchange rate interface

(24): Foreign exchange type recent exchange rate interface

(3): Processing unit

(31): Identification program

(32): Foreign exchange investment interface program

(33): Trading program

(34): Credit line program

(35): Favorite setting program

(36): Automatic trading program

(37): reminder program

(38): Transaction details program

(39): Major news release program

(30): Preferential price release program

(4): Identity database

(5): Trader side

(S01~S25): Step

The first figure is a schematic diagram of the connection of the components created by the present invention

The second figure is a schematic diagram of the foreign exchange investment interface created by the present invention

The third figure is the flow chart 2 of each program action created by the present invention

The fourth figure is the flow chart of the operation of each program created by the present invention.

The fifth figure is the flow chart of the operation of each program created by the present invention.

The sixth figure is the flow chart of the action of each program created by the present invention.

The seventh figure is the flow chart of the action of each program created by the present invention.

The eighth figure is the flow chart of each program action created by the present invention. Seven

The ninth figure is a flowchart of the operation of each program created by the present invention.

The following is a description of the advantages and features of the creation of the present invention through each icon and its implementation. Please refer to the first figure. The creation of the present invention relates to a foreign exchange investment system that can be bought and sold online, including: an operating terminal (1 ): Please refer to the first figure and the second figure, the operation terminal (1) has a display unit (11) for displaying the foreign exchange investment interface (2), and an electrical connection to the display unit (11) Input unit (12), the input unit (12) can be used to input an identity verification data, and according to the foreign exchange investment interface (2) input a Want to buy foreign exchange types, and the number of transactions. Taking this specification as an example, the operation terminal (1) refers to an electronic instrument that can be connected to the network and can input and present information, such as a notebook computer, a desktop computer, a smart phone, a handheld device, and the like. In addition, please refer to the second figure, the content presented in the foreign exchange investment interface (2) is only to illustrate the advantages and features of the creation of the present invention, and the actual implementation is not limited to the content presented in the figure.

A processing unit (3): please refer to the first figure and the second figure, the processing unit (3) is set in the cloud and the information is connected to the operation terminal (1), the processing unit (3) is electrically connected to an identity data Library (4), the processing unit (3) is written with an identity recognition program (31), a foreign exchange investment interface program (32), and a transaction program (33). The functions of each program are introduced separately as follows: First, please refer to the first figure and the third figure, as shown in steps S02 to S04, the identity recognition program (31) can be executed by the processing unit (3): in the identity data Take one of the identity data from the library (4) to determine the authenticity of the identity verification data. After the identity verification data passes the verification, the processing unit (3) starts to execute the foreign exchange investment interface program (32). In this way, the identity of the operation terminal (1) is confirmed, and at the same time, the customer of the operation terminal (1) can start to use the system.

Then, please refer to the first figure and the second and fourth figures. As in steps S04~S07, the foreign exchange investment program (32) can be executed by the processing unit (3): create the foreign exchange investment interface (2), And the foreign exchange investment interface (2) includes a sub-interface for exchange rate transactions of various countries (21), and the foreign exchange types of various countries and the exchange rates of foreign exchange types are aggregated and placed on the sub-interface of exchange rate transactions of each country (21). 21) The foreign exchange types, foreign exchange types, exchange rates and transaction options of various countries can be presented. The processing unit (3) then transmits the foreign exchange investment interface (2) to the operation terminal (1). In addition, since the exchange rates of various countries are constantly changing, the processing unit (3) will constantly update the exchange rates of various foreign exchange types presented in the exchange rate trading sub-interface (21) of each country.

Then, please refer to the first figure and the fifth figure, as shown in steps S08~S10, when the input unit (12) inputs the type of foreign exchange to be purchased and the transaction quantity, the transaction program (33) is available for the Processing unit (3) execution: according to the type of foreign exchange to be purchased, and the number of transactions, and Return the transaction result to the operation terminal (1) to complete the entire transaction. Among them, the transaction result includes success and unsuccessful. For the unsuccessful implementation, please refer to the introduction of the following embodiments.

Please refer to the first picture to the fifth picture. When the customer is using the system, the identity verification is first performed through the input terminal (1). As shown in steps S01 to S04, after the customer enters the identity verification data, The processing unit (3) starts to perform comparison inspection on the identity verification data. After passing the inspection, the customer can start to enter the system; then, according to steps S05~S07, the processing unit (3) will immediately Consolidate foreign exchange types and foreign exchange rates of various countries, and send the foreign exchange investment interface (2) to the operating terminal, so that customers can observe the foreign exchange rate status of various countries in real time to achieve the purpose of information transparency and no time difference; When the customer wants to buy or sell the foreign exchange type of one of the countries, as shown in steps S08~S10, the input unit (12) can be used to input the type of foreign exchange to be purchased and the number of transactions. Once the transaction is completed, the processing unit (3) The result will be sent to this input (1). Among them, the amount of the transaction can be the amount of foreign exchange purchased, or the amount of foreign exchange sold, the type of foreign exchange referred to in this manual refers to the currency exchange rate between the nail country and the country B and its recent foreign exchange or forward foreign exchange, etc., for example: USD Exchange against Japanese yen, US dollar against Taiwan dollar, RMB against US dollar, RMB against Australian dollar, etc.

In summary, the creation of the present invention can mainly be achieved: (1) Provide customers with instant foreign exchange purchase online. (2) Provide real-time quotes for customers to view various foreign exchanges at the same time. Not only that, the creation of the present invention has more advantages and features. For the introduction of the remaining advantages, please refer to the following.

Please refer to the sixth figure, in order to avoid excessive transactions by customers and cause losses to the bank, therefore, the invention can be implemented as follows: the processing unit (3) writes a credit limit program (34), the credit limit program (34) ) Available for execution by the processing unit (3): set a credit line based on the identity data, when the transaction program (33) is executed, first calculate a based on the type of foreign exchange to be purchased, the exchange rate of the type of foreign exchange, and the number of transactions The transaction amount, and then calculate a credit limit deduction based on a risk weight, the transaction amount, and a Momentom Index (MTM), and then deduct the credit limit deduction from the credit limit, and when the credit limit deducts the When the credit deduction is negative, the transaction program (33) is cancelled. Among them, the calculation of the credit limit deduction The formula is preferably: the risk weight * the item principal + momentum index, and the definition of the momentum index is the different evaluation amount generated by using different evaluation models for different financial products. In addition, it is worth mentioning that If the customer uses SPOT transaction, there is no need to occupy the quota. To explain in more detail, each customer’s credit limit is predetermined according to the bank’s own internal quota management method. The credit limit is the amount that the customer can use, and the category of the credit limit can be subdivided into a comprehensive limit and avoidance. There are four types of risk limit, non-hedging limit, and hedging & non-hedging limit. The client's limit type will be determined and recorded in the account opening contract when the client contracts at each branch. The determination of risk weights is based on the financial unit of each bank according to the type, currency and day of each derivative financial product, so different commodities and different currencies will produce different risk weights , And the risk weights will be revised regularly every year.

As in step S11, the system will assess a credit limit for each customer. The credit limit of each customer is different. Then see step S12. When the customer wants to buy foreign exchange, the processing unit (3) will start real-time calculation When the credit limit deduction is issued, as shown in steps S13 and S14, when the credit limit is insufficient to deduct the credit limit deduction, the processing unit (3) will stop executing the transaction program (33), which means the transaction is cancelled. In order to avoid excessive transaction risks on the bank side.

Please refer to the first figure and the second figure, in order to allow customers to efficiently observe the types of foreign exchange they are interested in, the invention can be further implemented: the exchange rate trading sub-interface (21) of each country includes a first trading sub-interface ( 211), the processing unit (3) writes a favorite setting program (35), the favorite setting program (35) can be executed by the processing unit (3): select at least one foreign exchange type through the input terminal (1), and The selected foreign exchange type and foreign exchange type exchange rate are displayed on the first trading sub-interface (211).

Secondly, through this embodiment, it can provide customers with more convenient browsing of foreign exchange types of interest, reducing the trouble of repeated queries, and customers can also use the transaction option to cooperate with the input unit (12) for the foreign exchange type and the transaction Enter the quantity. In addition, the first transaction sub-interface (211) can also be called RFS (Request for Stream), which can be set within a specific amount, and the client completes the transaction within a specific time according to the listed price set by the bank in the transaction system.

In addition, please refer to the first figure and the second figure, in order to allow the client to directly communicate with the bank's traders, such as foreign exchange price inquiries, bargaining, suggestions, etc., the invention can also be implemented as: A trader terminal (5) connected to the information of the processing unit (3) is provided; the exchange rate trading sub-interface (21) of each country includes a second trading sub-interface (212), and the second trading sub-interface (212) is available for The input unit (12) inputs a question query, and the second transaction sub-interface (212) is available for the trader to reply according to the question query.

The second trading sub-interface (212) can also be called: RFQ (Request for Quote), which means that it can be set within a specific amount, after the customer enters the trading conditions, the transaction is sent to the front desk trader, the trader must open The trader of the system immediately monitors the interface to know the transaction status, and provides a quotation to the customer to decide whether to close the transaction within a specific period. Among them, the question query can be national exchange rate quotation, exchange rate price negotiation, etc., and the customer can also use the transaction option to cooperate with the input unit (12) to enter the type of foreign exchange and the number of transactions

Please refer to the first figure and the seventh figure, in order to provide customers with the function of automatic trading to improve the flexibility of trading operations, the invention can be implemented as follows: the input unit (12) can be set to an automatic foreign exchange type trading The exchange rate and the number of automatic trading; the processing unit (3) writes an automatic trading program (36), the automatic trading program (36) can be executed by the processing unit (3): when the exchange rate of the foreign exchange type meets the automatic trading exchange rate , The transaction will be made according to the amount of automatic trading.

As shown in step S15, the client can set the automatic trading exchange rate and the automatic trading amount in advance. For example, when the U.S. dollar falls to less than 30 yuan against the Taiwan dollar, it will automatically buy 1,000 units of U.S. dollars. When it falls below the set price, according to steps S17 and S18, the processing unit (3) will automatically conduct a transaction and buy 1000 US dollars to increase transaction flexibility. In addition, the foreign exchange automatic buying and selling price can be set separately in different price ranges. Similarly, the automatic buying and selling quantity also varies with the price range and can be set according to the needs of the client.

Please refer to the first figure and the eighth figure. Although the system provides automatic trading function, some customers may still have concerns about automatic trading. Therefore, the invention creates a price reminder function. The implementation method is : The input unit (12) can be used to set a foreign exchange type The foreign exchange trading reminder exchange rate; the processing unit (3) writes a reminder program (37), the reminder program (37) can be executed by the processing unit (3): when the foreign exchange type exchange rate meets the trading reminder exchange rate, send Remind the message to the terminal (1).

The steps of this implementation are similar to the above embodiments. As shown in step S19, the exchange rate setting is also required. In this embodiment, the transaction reminder exchange rate is performed. Then, in step S20, when the foreign exchange type exchange rate matches the transaction reminder exchange rate, As shown in steps S21 and S22, the processing unit (3) will send a reminder message to the operation terminal (1) to remind customers that they must buy or sell foreign exchange, or to provide customers with trading strategies , Data collection and other functions, whether or not to conduct the transaction at the end is still based on the customer's own judgment.

Please refer to the first figure and the ninth figure, in order to let customers know the past transaction status at a glance, the invention can also be implemented as follows: the foreign exchange investment interface (2) includes a transaction details sub-interface (22); the processing The unit (3) writes a transaction detail program (38), which can be executed by the processing unit (3): when the transaction is successful, the processing unit (3) aggregates the foreign exchange type and the transaction quantity Placed in the transaction details sub-interface (22).

Therefore, as shown in steps S23~S25, whenever the customer ends the transaction, the processing unit (3) will start to record and consolidate, and the transaction content is presented in the transaction detail sub-interface (22), it is worth mentioning that , The transaction detail sub-interface (22) includes a first sub-interface (221) and a second sub-interface (222), the first sub-interface (221) preferably presents the customer's transaction status on the day, and the The second sub-interface (222) displays the customer's transaction status before yesterday, so that the customer can learn the entire investment operation situation more quickly.

In addition, in order to let the client know the news of the preferential foreign exchange issued by the bank at the moment, or provide the client with the latest major news related to the financial impact, so that the client can immediately mobilize the investment strategy. The creation can be further implemented as follows: the foreign exchange investment interface includes a marquee sub-interface; the processing unit (3) writes a major press release program (39), which can be executed by the processor (3) : When important news affecting foreign exchange occurs in various countries, the news will be placed on the marquee interface. Or, the invention can be made Shi Wei: The processing unit (3) writes a preferential exchange rate publishing program (30), which can be executed by the processing unit (3): place the foreign exchange preferential exchange rate message on the marquee interface.

Therefore, whenever major news occurs, or when the bank has launched a preferential exchange rate, the major news or preferential exchange rate information can be automatically sent through the trader's terminal (5), or the system, so that customers can use this The Marquee interface is informed of information to mobilize investment strategies at any time.

Moreover, please cooperate with the second figure, the creation of the present invention is better to divide the foreign exchange investment interface (2) into sub-interfaces of each block, so that the client can be easily operated, inspected, and utilized, and the creation of the present invention goes further It can also be implemented as follows: The foreign exchange investment interface (2) includes a foreign exchange type forward exchange rate interface (23) that can display the forward exchange rate price of each foreign exchange type, and a foreign exchange type recent display that can present the recent exchange rate price of each foreign exchange type Exchange rate interface (24).

In addition, in view of the relevant provisions of the Patent Law on the same invention in a broad sense, this specification provides a foreign exchange investment method that can be bought and sold online according to the law. Please refer to the third figure and the first and second figures, including the following steps : Please refer to steps S01 to S07. The customer enters identity verification data through an operation terminal (1). After the identity verification data is verified by a processing unit (3) installed in the cloud, the processing unit (3) transmits a foreign exchange investment Interface (2) to the operation terminal (1).

Next, please refer to step S08. The foreign exchange investment interface (2) can provide real-time representation of foreign exchange types and exchange rates of foreign exchange types. Customers can use this operation terminal (1) to enter the type of foreign exchange they want to buy and the number of transactions as The subject of the transaction.

Next, please refer to steps S09~S10, the processing unit (3) performs transactions according to the type of foreign exchange to be purchased and the number of transactions, and returns the result to the operation terminal (1).

In this way, customers can use the method of the present invention to watch the exchange rates of various countries online and conduct foreign exchange investment operations at the same time, thereby improving the deficiencies described in the previous technology. And, because the foreign exchange investment method and the foreign exchange investment system have the same main technical characteristics, in addition to the aforementioned The method, characteristics and advantages of the foreign exchange investment system are described in detail, so they will not be repeated here.

In addition, in order to avoid the loss of the bank side caused by the time difference and other factors during the operation of the customer, to avoid this kind of thing, the invention can be further implemented as follows: please refer to step S02, in step (1), the processing unit Based on the identity verification data, an identity data is retrieved from an identity database, which includes a credit line.

Next, please refer to step S12. In step (3), while the processing unit (3) is conducting a transaction, the processing unit (3) should purchase the type of foreign exchange, the exchange rate of the type of foreign exchange, and the number of transactions. A transaction amount, then according to a risk weight, the transaction amount, and a momentum index (Momentom Index), and then according to steps S13, S14, when the credit limit is negative after deducting the credit deduction, the processing unit ( 3) Cancel the transaction.

As shown above, this embodiment can reduce the risk of the bank. Because of the more detailed description, features, and advantages of this embodiment, it has been discussed in detail in the foregoing embodiment of the foreign exchange investment system, so it will not be repeated here.

Moreover, when the client wants to conduct investment strategy, problem discussion, price inquiry, bargaining, etc. through the trader's end, the method of the invention can be further implemented as follows: In step (2), the processing unit ( 3) Information is connected to a trader terminal (5), the foreign exchange investment screen (2) includes the second trading sub-interface (212), and the customer can use the second trading sub-interface (212) and the operation terminal (1 ) Send a question query to the trader terminal (5), the trader terminal (5) can be used to reply to the question query through the second transaction sub-interface (212).

Similarly, such implementation has also been described and introduced in detail in the embodiment of the foreign exchange investment system, and will not be repeated here.

In summary, this case complies with the requirements stipulated in the Patent Law, and the patent application is filed in accordance with the law. The above description only lists the preferred embodiments of the invention. The scope of rights in this case is still mainly listed in the claims.

(1): Operation side

(11): Display unit

(12): Operating unit

(3): Processing unit

(31): Identification program

(32): Foreign exchange investment interface program

(33): Trading program

(34): Credit line program

(35): Favorite setting program

(36): Automatic trading program

(37): reminder program

(38): Transaction details program

(39): Major news release program

(30): Preferential price release program

(4): Identity database

(5): Trader side

Claims (5)

A foreign exchange investment system for online trading includes: an operation terminal: a display unit for displaying a foreign exchange investment interface, and an input unit electrically connected to the display unit, the input unit can be used to input an identity verification data , And according to the foreign exchange investment interface, enter a type of foreign exchange to be purchased, and a transaction amount; a processing unit: set up in the cloud and the information is connected to the operation terminal, the processing unit is electrically connected to an identity database, the processing unit is written with It is used to execute an identity identification program, a foreign exchange investment interface program, a transaction program, a credit limit program, a favorite setting program and a transaction detail program; the identity identification program takes one of the identity data in the identity database to determine The authenticity of the identity verification data. After the identity verification data is verified, the processing unit starts to execute the foreign exchange investment interface program; the foreign exchange investment interface program makes the foreign exchange investment interface, which includes a sub-interface of exchange rate transactions of various countries The sub-interface for exchange rate transactions of various countries includes a first sub-interface and a second sub-interface. The first sub-interface can be set within a specific amount, and the customer can set the listed price in the trading system according to the bank's end within a specific time. Complete the transaction, and the second transaction sub-interface can be connected to a trader terminal through the processing unit, so that the second transaction sub-interface can be set within a specific amount, after the customer enters the transaction conditions, the transaction is sent to the front desk trader, the transaction The trader must know the transaction status through the real-time monitoring interface of the trader who opens the system, and provide the quotation to the customer to decide whether to close the transaction within a specific period; the transaction program can be executed by the processing unit: according to the type of foreign exchange to be purchased, and the transaction Trade by quantity and return the transaction result to the operation terminal; the credit limit program sets a credit limit based on the identity data. When the transaction program is executed, first according to the type of foreign exchange to be purchased, a foreign exchange type exchange rate and the Calculate a transaction amount based on the number of transactions, then calculate a credit limit deduction based on a risk weight, the transaction amount, and a momentum index (Momentom Index), and then deduct the credit limit deduction from the credit limit, when the credit If the credit is negative after deducting the credit deduction, the transaction program will be cancelled; the transaction details program will process the transaction after the transaction is successful Yuanhui collects the type of foreign exchange and the number of transactions in the transaction detail sub-interface. The transaction detail sub-interface includes a first sub-interface and a second sub-interface. The second sub-interface displays the transaction status of the customer before yesterday. For the foreign exchange investment system available for online trading as described in item 1 of the scope of the patent application, in which the input unit can be used to set an automatic trading exchange rate and automatic trading quantity of a foreign exchange type; the processing unit is written with an automatic trading program, the automatic trading The program can be executed by the processing unit: when the exchange rate of the foreign exchange type meets the automatic trading exchange rate, the transaction is performed according to the automatic trading quantity. For example, the foreign exchange investment system available for online trading as described in item 2 of the patent application scope, wherein the input unit can be used to set a foreign exchange type trading reminder exchange rate; the processing unit writes a reminder program, which can be executed by the processing unit : When the exchange rate of the foreign exchange type meets the trading exchange rate, a reminder message is sent to the operation terminal. The foreign exchange investment system available for online trading as described in any one of the first to third patent application scopes, where the foreign exchange investment interface includes a marquee sub-interface; the processing unit writes a major news release program and a preferential exchange rate Release program, the major news release program can be executed by the processor: when important news affecting foreign exchange occurs in various countries, the news is placed on the marquee sub-interface; the preferential exchange rate release program can be executed by the processing unit: foreign exchange The news about the preferential exchange rate is placed on the marquee interface. A foreign exchange investment method that can be bought and sold online includes the following steps: (1) The customer enters identity verification data through an operation terminal, and the identity verification data is verified by a processing unit installed in the cloud, and a processing unit produces a foreign exchange investment Interface, and the foreign exchange investment interface has a sub-interface of exchange rate transactions of various countries, and the sub-interface of exchange rate transactions of each country also has a first transaction sub-interface and a second transaction sub-interface; (2) The first transaction sub-interface can be set within a specific amount, and the customer completes the transaction within a specific time according to the listing price set by the bank terminal in the trading system; the second transaction sub-interface is connected to a trader terminal through the processing unit , So that the second trading sub-interface can be set within a specific amount. After the customer enters the trading conditions, the transaction is sent to the front desk trader. The trader must know the trading status and provide a quotation through the trader who opens the system to monitor the interface in real time To the customer to decide whether to close the transaction within a specific period; (3) The processing unit conducts a transaction based on the type of foreign exchange to be purchased and the number of transactions, and returns the result to the operating terminal; (4) The identity data includes a credit Amount, when the processing unit is trading, the processing unit calculates a transaction amount based on the type of foreign exchange to be purchased, an exchange rate of the type of foreign exchange, and the number of transactions, and then based on a risk weight, the transaction amount, and a momentum indicator (Momentom Index) calculates a credit limit deduction, when the credit limit is negative after deducting the credit deduction, the processing unit cancels the transaction; (5) The transaction detail program When the transaction is successful, the processing unit is aggregated The type of foreign exchange and the number of transactions are placed in the transaction details sub-interface; (6) The transaction details sub-interface has a first sub-interface and a second sub-interface, the first sub-interface presents the customer's trading status on the day, and the The second sub-interface displays the customer's transaction status before yesterday.

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