TWI693572B - Financial transaction foreign currency system and its data transmission method - Google Patents

Abstract

In order to improve the foreign exchange or handling fee costs when the buyer/user/consumer trades foreign currency-denominated commodities when the account opening bank is different, the present invention provides a financial transaction foreign currency system, including: plural transfer system , At least one acceptance system and inter-bank clearing platform, the inter-bank clearing platform connects all transfer systems and acceptance systems, the acceptance system is used to obtain account data and foreign currency-denominated commodity data, and the transfer system is used to verify account data and foreign currency-denominated commodity data to generate Transaction results, the inter-bank clearing platform is used to transfer account data and foreign currency denominated commodity data to one of the transfer systems that accept this account data, and to transmit transaction results to the acceptance system. The present invention relies on intermediaries to integrate different banking institutions Information transmission channels between banking institutions and banking institutions to complete agency collection and payment operations or services of foreign currency-denominated commodities, reply to transfer, withdrawal, balance inquiry, reconciliation details and other results, thereby ensuring the timeliness, integrity and security of data Sex.

Description

Financial transaction foreign currency system and its data transmission method

The present invention provides a financial transaction system and its data transmission method, in particular to a system and data transmission method involving foreign currency-denominated commodity transactions between banks.

Foreign currency-denominated commodities are mostly traded in foreign currencies, and vary according to the nature, use, or issuer of the commodity. For example: life insurance companies provide foreign currency-denominated annuity insurance, or foreign currency-denominated policies with long-term overseas fund needs; securities firms, banks , Ticket finance companies, and China Post Company provide bonds for trading, including financial bonds involving foreign currency transactions, such as the Asian Development Bank, Central American Bank, European Investment Bank, etc. issued in Taiwan and denominated in US dollars, Japanese yen, or New Taiwan dollars. Bonds, or international bonds denominated in foreign currencies that are listed and traded at the counter trading center of the Republic of China Securities Corporation.

However, current users, consumers or investors (hereinafter referred to as buyers) have many inconveniences when they want to purchase foreign currency-denominated goods. Please refer to the first figure. The first figure is a flowchart of the current purchase of foreign currency-denominated goods at step S100 If the Chinese buyer wants to purchase a specific foreign currency-denominated product, assuming that the entrusting agency is a life insurance company, and the foreign currency-denominated product is a foreign currency-denominated annuity policy provided by the life insurance company, the buyer must, in step S102, visit the life insurance company to fill out the relevant form to purchase, if If the buyer goes to another company that provides foreign currency-denominated commodities or a bank that provides the above-mentioned life insurance company account opening operations, the transaction cannot be carried out as described in step S103. In addition to the above inconvenience of the transaction location, the buyer still has to be in step S104, whether the bank where the buyer opens the account is the same as the bank that provides the above-mentioned life insurance company's collection and payment operations. If the two banks are different, as described in step S105, After being additionally charged international exchange or handling fees, the transaction is completed in step S106.

In summary, in order to improve the inconvenience of current consumers when purchasing foreign currency-denominated goods and the handling fee for foreign currency remittances, the inventors of the present invention have diligently studied to provide a foreign currency system that overcomes the above-mentioned lack of financial transactions and hopes to improve domestic and foreign currency-denominated goods Liveliness and convenience.

The purpose of the present invention is to save international exchange or handling fees between users, consumers or investors (hereinafter referred to as buyers) and seller institutions due to cross-bank transfers in the transaction process of foreign currency-denominated commodities.

Another object of the present invention is to provide a more convenient location for foreign currency-denominated commodity transactions for buyers.

To meet the above objective, the present invention provides a financial transaction foreign currency system, which includes at least one acceptance system, a plurality of transfer systems, and an inter-bank settlement platform. The inter-bank settlement platform is connected to the acceptance system and all transfer systems. The acceptance system is used to provide account data And foreign currency denominated commodity data to the inter-bank clearing platform. The inter-bank clearing platform is used to transfer account data and foreign currency denominated commodity data to the transfer system that accepts this account data. The transfer system is used to generate and return inter-bank settlement based on account data and foreign currency denominated commodity data Platform transaction results, inter-bank clearing platform is also used to send transaction results to the acceptance system.

The foreign currency system for financial transactions of the present invention may further include at least one agent system. The agent system connection acceptance system is used to provide account data and foreign currency-denominated commodity data. The foreign currency-denominated commodity data may be generated by the agent system.

Preferably, the agent system may be an ATM or a processing system.

Preferably, the account data is a bank account number or debit card number.

The present invention also provides a data transmission method applied to a foreign currency system for financial transactions. The steps are that the acceptance system obtains account data and foreign currency-denominated commodity data from an agent system, and transmits it to an inter-bank clearing platform. Then, the inter-bank clearing platform parses the account data and transmits the account data And foreign currency denominated commodity data to the transfer system that accepts account data, this transfer system generates a transaction result based on the account data and foreign currency denominated commodity data, and transmits it to the inter-bank clearing platform.

The inter-bank clearing platform transmits the transaction results to the acceptance system, and the acceptance system also transmits the transaction results to the agency system for notification.

The above-mentioned financial transaction foreign currency system and its data transmission method mainly transmit messages by setting up a cross-bank clearing platform between banks and banks, thereby allowing buyers and sellers to exempt buyers and sellers from opening foreign currency-denominated goods. The bank of the account is the international exchange or handling cost incurred when they are different, and by adding an agency system to allow non-bank institutions to provide foreign currency-denominated commodities as sellers, the agency system can also be an ATM set up by the bank institution, so borrow The foreign currency system for financial transactions allows buyers to complete transactions in foreign currency-denominated commodities in many locations.

First, please refer to the second figure. The second figure shows the architecture diagram of the financial transaction foreign currency system of the present invention. Due to the variety of foreign currency-denominated commodities, the purchaser can be divided into users, consumers or investors according to the form of the commodity. For simplicity, this embodiment is generally referred to as the buyer 20. The foreign currency system of financial transactions is mainly divided into the acceptor 30, the inter-bank clearing platform 40 and the transfer party 50. The acceptor 30 is divided into the interconnected agent system 320 and the acceptance system 310. The transfer party 50 includes a plurality of transfer systems 510, the inter-bank clearing platform 40 Connect with the acceptance system 310 and all transfer systems 510 to complete the transfer of payment instructions.

Receiving party 30 is a general term for the collection or payment of foreign currency-denominated goods. Agency system 320 is an electronic device with connection function set up by an institution or enterprise that collects or services payments. Agency system 320 may be an ATM or Processing system, which provides the buyer 20 to select foreign currency-denominated commodities and input account data, the acceptance system 310 is a system set up by a banking institution, provides an agent system 320 connection to exchange messages, and also provides the buyer 20 to select foreign currency-denominated commodities and accept account data .

The inter-bank clearing platform 40, also known as the financial payment clearing system or the foreign currency payment settlement system, is aimed at Taiwan’s foreign countries, or domestic regions, and the transaction activities accompanying economic activities, especially the debt claims between financial institutions. During settlement, the intermediary clearing platform 40 can verify the identity of the acceptance system 310 and send the message of the acceptance system 310 to the transfer system 510, or the interbank clearing platform 40 can also send the message of the transfer system 510 To the acceptance system 310, to manage the transfer of funds in foreign currencies or Taiwan dollars between different banking institutions to ensure the timeliness, integrity and security of the data.

The transfer party 50 represents a general term for accepting the transfer transaction of the buyer 20, which includes a plurality of transfer systems 510, which are connected to the cross-bank clearing platform 40 to interactively transmit messages. It is worth mentioning that each transfer system 510 is a system set up by different banking institutions.

Based on the aforementioned architecture, in the foreign currency-denominated commodity transaction, the buyer 20 wants to purchase foreign currency-denominated commodity and account data through the acceptance system 310, the acceptance system 310 generates foreign currency-denominated commodity data, and transmits the foreign currency-denominated commodity data and account data to cross-bank clearing Platform 40. The so-called provision of account data refers to the bank account number or financial card number. The financial card number refers to the message that the buyer 20 inserts the financial card into the chip card reader and enters the financial card password, and the chip card reader verifies the message.

The cross-bank clearing platform 40 obtains the account data and analyzes it. It can select the transfer system 510 that accepts the buyer 20 account data from multiple transfer systems 510, and transmits the account data and foreign currency-denominated commodity data for verification. After verifying the security of account data and foreign currency-denominated commodity data, the transfer system 510 can generate a transaction result. The transaction result can be a message to approve the transfer of funds or a message that the transaction failed due to incorrect account data. The transaction result should be from the transfer system 510 returns the cross-bank clearing platform 40, and the cross-bank clearing platform 40 transmits the transaction result to the acceptance system 310 to complete the transaction.

In addition to the aforementioned buyer 20 providing account data and selecting foreign currency-denominated goods in the acceptance system 310, the buyer 20 can also directly select foreign currency-denominated goods and provide account data in the agent system 320. The account data can be a bank account number or a financial card number. The provided financial card number means that after the buyer 20 inserts the financial card into the ATM or chip card reader and enters the financial card password for verification, the ATM or chip card reader transmits the message. It should be noted that first, the aforementioned agency system 320 generates corresponding foreign currency denominated commodity data based on the foreign currency denominated commodity selected by the buyer 20, and transmits the account data and the foreign currency denominated commodity data through the acceptance system 310 and the cross-bank clearing platform 40 to accept this The account data transfer system 510; secondly, the transaction results generated by the transfer system 510 are sequentially transmitted to the agency system 320 via the inter-bank clearing platform 40 and the acceptance platform 310 to complete the transaction.

In this way, by making good use of the characteristics of the cross-bank clearing platform 40 across multiple banking institutions, it is possible to overcome the difference between the banking institution providing the buyer 20 account data and the banking institution providing the agent system 320, or the provision of the buyer 20 account data. When the banking institution and the banking institution that set up the acceptance system 310 are not the same, the cost of international exchange or handling fees derived therefrom.

In order to better understand the foreign currency system of financial transactions provided by the present invention, in conjunction with the description of the practical situation, first please refer to the third figure and cooperate with the second figure. The third figure specifically describes the purchase of foreign currency-denominated goods by the investor 20a temporary investment company. However, it should not be restricted by investment companies. Other institutions such as securities firms, ticket finance companies, and China Post can also substitute them. The buyer 20 corresponds to the investor 20a, the agency system 320 and the acceptance system 310 correspond to the investment company system 320a and the first banking system 310a, respectively, and the multiple transfer systems 510 are divided into a second banking system 510a that provides account management for the investor 20a and No other banking system 510b is provided for investor 20a account management.

In this example, the investment company provides an index stock fund (Exchange Trade Fund, ETF) for investors 20a to make foreign investments in foreign currencies. At this time, the investment company requires the investor 20a to select the index stock type to be purchased on the relevant form Fund, and provide account information such as bank account number or financial card number, then the investment company transfers the account information and the funds of the index stock fund through the investment company system 320a to the inter-bank clearing platform 40 through the first bank system 310a, the first The banking system 310a only transfers the account information and the funds of the index stock fund to the inter-bank clearing platform 40. Based on the account data, the inter-bank clearing platform 40 parses out the bank or card-issuing bank that provides the investor 20a account information. In this example, it processes The account information of the investor 20a is the second bank, so the inter-bank clearing platform 40 transmits the account information and the funds of the index stock fund to the second banking system 510a, rather than to other banking systems 510b. The second banking system 510a verifies the account information and confirms whether the funds in the account are sufficient to pay the funds of the index stock fund. Based on this, the transaction result is generated. The transaction result succeeds or fails. The reason for the failure may be that the account information is incorrect or the account Not enough money. Finally, the second banking system 510a returns the transaction result to the inter-bank clearing platform 40, and sequentially transmits it to the investment company system 320a via the first banking system 310a to complete the transaction.

Please refer to the fourth figure and the second figure. The fourth figure shows that the banking institution can also accept the collection and payment services of foreign currency-denominated commodities. Due to the variety of current foreign currency-denominated commodities, the purchaser can be divided into users and consumers according to the commodity. For simplicity, investors or investors in this embodiment are collectively referred to as buyers 20. The buyer 20 corresponds to the buyer 20a', the agent system 320 and the acceptance system 310 correspond to the ATM 320a' and the first banking system 310a', respectively, and the multiple transfer systems 510 are divided into a second banking system that processes the account information of the investor 20a' 510a' and other banking systems 510b' that do not provide account management for the buyer 20a'.

Specifically, the buyer 20a' may choose an ATM 320a' to purchase foreign currency-denominated international bonds, or it may choose to purchase it from the first banking system 310a'. The ATM 320a' may be interpreted as a subsystem of the first banking system 310a', scattered in Many locations are simultaneously connected to the first banking system 310a'.

When the buyer 20a' purchases at the ATM 320a', in addition to selecting the amount or type of foreign currency-denominated international bonds to be purchased, the buyer 20a' must also provide account information such as bank account number or debit card number. At this time, the ATM 320a' The corresponding foreign currency-denominated international bond data is generated and transmitted along with the account data through the first banking system 310a' and the inter-bank clearing platform 40. Then, the inter-bank clearing platform 40 parses out the second bank system 510a' to accept the account data based on the account data, The data and account information of the foreign currency-denominated international bonds are transmitted to the second banking system 510a' instead of other banking systems 510b'. Finally, the second banking system 510a' verifies the foreign currency-denominated international bond data and account information to obtain a transaction result representing the success of the transaction, and returns it to the first banking system 310a' via the inter-bank clearing platform 40.

Similarly, when the buyer 20a' directly selects the foreign currency-denominated international bonds and provides account information in the first banking system 310a', the first banking system 310a' generates the corresponding foreign currency-denominated international bonds data and transmits it to the account information The inter-bank clearing platform 40, then, the inter-bank clearing platform 40 parses out the second bank system 510a' according to the account information to accept the account information, and transmits the foreign currency-denominated international bond data and account information to the second bank system 510a' instead of sending To other banking systems 510b'. Finally, the second banking system 510a' verifies the data and account information of foreign currency-denominated international bonds to obtain a transaction result representing the success of the transaction, and returns it to the ATM 320a through the inter-bank clearing platform 40 and the first banking system 310a' .

Finally, the fourth and fifth figures illustrate the data transmission process of the financial transaction foreign currency system of the present invention. The fifth figure is a flow chart drawn in conjunction with the fourth figure to describe the banking institution's self-acceptance of foreign currency-denominated goods collection and payment services.

First, as described in step S200, after the buyer 20a's ATM or ATM 320a' provides the account data and selects the foreign currency-denominated goods to be purchased, the ATM 320a' obtains the account data and will correspond to the data of the foreign currency-denominated goods. A banking system 310a', and transmits account data and foreign currency denominated commodity data to the first banking system 310a'.

Next, in step S202, the first banking system 310a' connects to the cross-bank clearing platform 40 after acquiring the account data and the data of the foreign currency-denominated commodity, and transmits the account data and the data of the foreign currency-denominated commodity. It should be noted that after entering step S204, the inter-bank clearing platform 40 will analyze the acquired account data and analyze the bank that provides the buyer 20a' for account management. In this example, this bank has set up a second banking system 510a', therefore, the inter-bank clearing platform 40 transmits account data and foreign currency denominated commodity data to the second banking system 510a' instead of other banking systems 510b'.

After obtaining the account data and the data of foreign currency-denominated commodities, the second banking system 510a' finally proceeds to step S206, and the second banking system 510a' will generate a transaction result on its account data and the data of the foreign-currency-denominated commodities, for example: If the account data is incorrect, the transaction result is a failure; if the account data is correct, the transaction result is a success. The resulting transaction result will be sent back to the inter-bank clearing platform 40 for clearing. The inter-bank clearing platform 40 still sends the transaction result to the first banking system 310a' and the ATM 320a' to inform the buyer 20a' whether the transaction was successful.

With the financial transaction foreign currency system and the data transmission method of the present invention, it relies on intermediaries to integrate the message transmission channels between different banking institutions and non-bank institutions and banking institutions to complete the agency receipt and payment of foreign currency denominated goods or Service, transfer, cash withdrawal, balance inquiry, reconciliation details and other results reply, to ensure the timeliness, integrity and security of data, and can be exempted from the transaction of foreign currency denominated goods, because of the provision of buyers, sellers, users or consumers The bank institutions managed by the investor’s account are high international exchange or handling fees that are not derived simultaneously. In addition, by providing life insurance companies, investment companies or other business institutions or ATMs to increase the regionality of transactions, it can help to improve The willingness and convenience of domestic people when buying and selling foreign currency-denominated goods.

20‧‧‧Buyer 20a‧‧‧Investor 20a'‧‧‧Buyer 30‧‧‧Acceptor 310‧‧‧Acceptance System 310a‧‧‧First Bank System 310a′‧‧‧First Bank System 320‧‧‧ Agent system 320a‧‧‧Investment company system 320a′‧‧‧ ATM 40 ‧‧‧ cross-bank clearing platform 50 ‧‧‧ transfer party 510 ‧‧‧ transfer system 510a ‧‧‧ second bank system 510a ‧‧‧‧ Banking System 510b‧‧‧Other Banking System 510b'‧‧‧Other Banking System

The first figure shows the flow chart of the conventional transaction of commodities denominated in foreign currencies.

The second figure shows the architecture diagram of the financial transaction foreign currency system of the present invention.

The third diagram shows an example of the present invention, a structure diagram of a life insurance company receiving and paying foreign currency-denominated commodities.

The fourth figure shows an example of the present invention, in which a bank receives and pays foreign currency-denominated commodities.

The fifth figure shows a flow chart of data transmission when the bank receives and pays foreign currency-denominated commodities of the present invention.

20‧‧‧ Buyer

30‧‧‧Receiving party

310‧‧‧ Acceptance system

320‧‧‧Agent system

40‧‧‧ Cross-bank clearing platform

50‧‧‧Transfer

510‧‧‧Transfer system

Claims (9)

A financial transaction foreign currency system, including: plural transfer system, used to generate a transaction result based on an account data and a foreign currency denominated commodity data, the foreign currency denominated commodity data is generated based on the foreign currency denominated commodity, the foreign currency denominated commodity is an index stock Fund or foreign currency-denominated international bonds, each of the transfer systems is set up by a different banking institution; at least one acceptance system for obtaining the account data and the foreign currency-denominated commodity data, each of the acceptance systems is composed of the transfer system Set up by different banking institutions; and an inter-bank clearing platform that connects the transfer system and the acceptance system to analyze the account data to transfer the account data and the foreign currency-denominated commodity data to one of the account data These transfer systems are used to transfer the transaction results to the acceptance system. The foreign currency system for financial transactions as described in claim 1 further includes at least one agent system connected to the acceptance system for transmitting the account data and the foreign currency-denominated commodity data of the acceptance system. The foreign currency system for financial transactions as described in claim 2, wherein the foreign currency-denominated commodity data is generated by the agency system. The financial transaction foreign currency system as described in claim 2, wherein the agent system may be an ATM or a processing system. The foreign currency system for financial transactions as described in claim 1, wherein the account data is a bank account number or a financial card number. A data transmission method applied to a foreign currency system for financial transactions. The steps include: the acceptance system receives account data and foreign currency-denominated commodity data. The foreign currency-denominated commodity data is generated based on the foreign currency-denominated commodity, and the foreign currency-denominated commodity is an index stock fund or foreign currency-denominated commodity For international bonds, each acceptance system is set up by a different banking institution; The inter-bank clearing platform connects to the acceptance system to obtain the account data and the foreign currency-denominated commodity data; the inter-bank clearing platform parses the account data to transmit the account data and the foreign currency-denominated commodity data to the transfer system that accepts the account data, And each of the transfer systems is set up by a bank institution different from the acceptance system; and based on the account data and the foreign currency denominated commodity data, the transfer system generates transaction results and transmits the transaction results to the inter-bank clearing platform. The data transmission method applied to the foreign currency system for financial transactions as described in claim 6, wherein before the acceptance system accepts the account data and the foreign currency-denominated commodity data, the agent system accepts the account data and the foreign currency-denominated commodity data, and Send the account data and the foreign currency-denominated commodity data to the acceptance system. The data transmission method applied to the foreign currency system of financial transactions as described in claim 7, wherein after the step of the transfer system transmitting the transaction result to the inter-bank clearing platform, the inter-bank clearing platform forwards the transaction result to the acceptance system. The data transmission method applied to the foreign currency system of financial transactions as described in claim 8, wherein after the step of forwarding the transaction result to the acceptance system by the inter-bank clearing platform, the acceptance system forwards the transaction result to the agency system.

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