TWI802969B - Cross-border remittance device, system and cross-border remittance transaction system - Google Patents

Abstract

A Cross-border remittance device includes a login unit, a Real-time exchange rate unit, a real-time exchange rate unit, an amount calculation unit, a withdrawal information processing unit, a barcode generating unit, and a notification unit. The login unit is connected to the remittance terminal mobile device via the network, and logs in the remitter’s account based on the remitter’s social software account of the remittance terminal mobile device. The real-time exchange rate unit retrieves real-time announcement exchange rates. The amount calculation unit calculates the remittance amount based on the transaction amount sent by the remitter according to the real-time announced exchange rate and handling fee information. The withdrawal information processing unit generates withdrawal information based on the beneficiary information and withdrawal method sent by the remitter. The barcode generating unit generates the remittance barcode information based on the remittance amount, the remitter's account number and the withdrawal information, and transmits the remittance barcode information to the mobile device at the remittance terminal. The notification unit generates a remittance completion notification to the overseas server unit based on the received remittance message returned by the scanning unit scanning the remittance barcode information.

Description

Cross-border remittance device, system and cross-border remittance transaction system

A remittance device and transaction system, especially a cross-border remittance device, system and cross-border remittance transaction system.

The number of foreign migrant workers in Taiwan has increased, and the number of long-term foreign migrant workers in Taiwan has reached 750,000. It is estimated that the annual remittances of foreign migrant workers reach 3 billion US dollars. When migrant workers face remittance needs, they are limited by language and working hours, and some migrant workers do not have bank accounts, so they may not be able to handle remittance operations through banks. These unsatisfied needs are mostly transferred to underground remittances. , however, the underground exchange has the risk of sudden bankruptcy, and often charges high fees and exchange rates.

An embodiment of the present invention provides a cross-border remittance device, which mainly includes a login unit, a real-time exchange rate unit, an amount calculation unit, a withdrawal information processing unit, a barcode generation unit, and a notification unit. The login unit is connected to the mobile device of the remittance terminal via the network, and logs in the account of the remitter according to the social software account of the remitter of the mobile device of the remittance terminal. The real-time exchange rate unit retrieves the real-time announced exchange rate. The amount calculation unit calculates the remittance amount based on the transaction amount sent by the remitter's account according to the real-time announced exchange rate and service fee information. The withdrawal information processing unit generates withdrawal information according to the payee information and withdrawal method sent by the remitter account. barcode generation sheet According to the remittance amount, remitter account number and withdrawal information, the remittance barcode information is generated, and the remittance barcode information is sent to the remittance terminal mobile device. The notification unit generates a remittance completion notification and sends it to the overseas server unit according to the received money information returned by the scanning unit at the convenience store terminal scanning the remittance barcode information.

In some implementations, the notification unit sends a remittance completion notification to the mobile device at the remittance end and the mobile device at the payee end corresponding to the information of the payee according to the received money message.

In some implementations, the cross-border remittance device may further include a barcode generating unit to generate withdrawal barcode information based on the received payment information, and transmit the withdrawal barcode information to the payee terminal mobile device corresponding to the payee information.

In some implementations, the cross-border remittance device may further include a time-limited unit to set the valid time of the remittance barcode information. When the valid time is exceeded, the remittance barcode information becomes invalid, and the scanning unit scans the remittance barcode information to not generate a received message.

In some implementations, the cross-border remittance device may further include a customer service unit that communicates with the remitter's social software account to generate a dialogue record.

In some implementations, the cross-border remittance device may further include a virtual account unit, which generates virtual account information based on the remittance amount, remitter account number, and withdrawal information, and deposits the remittance amount in the automatic teller machine based on the virtual account information, and the virtual account unit generates remittance completion Notify to the overseas server unit.

In some implementations, the cross-border remittance device can further include the withdrawal information into the module, store the withdrawal information, and bring the withdrawal information into the remitter's social software account when logging into the remitter's account.

In some implementations, the cross-border remittance device may further include a mode selection unit and The card reading unit and the mode selection unit have a supermarket remittance mode and an online remittance mode. The card reader unit receives the financial card information sent by the card reading device. One of the remittance modes, when the supermarket remittance mode is selected, the barcode generation unit generates remittance barcode information and sends it to the mobile device at the remittance terminal; when the online remittance mode is selected, the card reading unit reads the corresponding financial card information based on the financial card information One of the accounts deducts the remittance amount, and the notification unit generates a remittance completion notification to the overseas server unit.

In one embodiment, a cross-border remittance system is provided, which mainly includes the cross-border remittance device and point-of-sale information device described in any of the above implementations. Among them, the cross-border remittance device receives the transaction amount, payee information and withdrawal method sent by the remitter account registered on the remittance terminal mobile device to generate remittance barcode information, and transmits the remittance barcode information to the remittance terminal mobile device. The point-of-sale information device, located at the convenience store, includes a scanning unit that scans the remittance barcode information displayed on the mobile device at the remittance terminal. After receiving the cash of the remittance amount, the personnel at the convenience store operate the scanning unit to generate a received message and send it Received money information is sent to the notification unit of the cross-border remittance device.

In one embodiment, a cross-border remittance transaction system is provided, including the cross-border remittance system described in the previous embodiment and an overseas server unit. Among them, the overseas server unit generates a withdrawal notification according to the remittance completion notification sent by the cross-border remittance system, and sends the withdrawal notification to the mobile device of the payment terminal corresponding to the information of the payee.

In some implementations, the overseas server unit may include a transfer module, and the transfer module transfers funds to the payee account corresponding to the payee information according to the withdrawal information.

In summary, the cross-border remittance device, cross-border remittance system and cross-border remittance system of the present invention With the overseas remittance transaction system, local foreign migrant workers (remitters) can operate the transfer through the social software interface, and at the same time bind their identities through the social software account. In addition, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenience stores or cooperative stores, without being restricted by working hours and languages, and provide overseas payees with a variety of withdrawal methods, and at the same time solve the problem of remitters / The problem that the withdrawer does not have a bank account.

The detailed features and advantages of the present invention are described in detail below in the embodiments, the content of which is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings Any person skilled in the relevant art can easily understand the related objects and advantages of the present invention.

1: Cross-border remittance system

10: Cross-border remittance device

101: Login unit

102: Instant rate unit

103: Amount Calculation Unit

104: withdrawal information processing unit

105: Barcode generating unit

106: Notification unit

107: Time-limited unit

108: Customer service unit

109: Virtual account unit

110: Bring withdrawal information into unit

111: Mode selection unit

112: card reading unit

30: Point-of-sale information device

31: Scanning unit

50: Overseas servo unit

51: Transfer module

2: Remittance terminal mobile device

4: Mobile device at the cashier

6: Card reader device

1': Cross-border remittance transaction system

[Figure 1] is a schematic block diagram (1) of the cross-border remittance device of the present invention.

[Figure 2] is a schematic block diagram (2) of the cross-border remittance device of the present invention.

[Fig. 3] is a schematic block diagram of the cross-border remittance system of the present invention.

[Fig. 4] is a schematic block diagram of the cross-border remittance transaction system of the present invention.

Specific embodiments are listed below to describe the content of the present invention in detail, and drawings are used as auxiliary descriptions. The symbols mentioned in the manual refer to the symbol description.

Please refer to FIG. 1, which is a schematic block diagram (1) of the cross-border remittance device of the present invention. The cross-border remittance device 10 mainly includes a login unit 101 , an instant exchange rate unit 102 , an amount calculation unit 103 , a withdrawal information processing unit 104 , a barcode generation unit 105 and a notification unit 106 . Here, the cross-border remittance device 10 can be, for example, a computer host (or network host).

The login unit 101 is connected to the remitter mobile device 2 via the network, and logs in the remitter account according to the remitter's social software account of the remitter mobile device 2 . Here, social software accounts can be Facebook, Line, IG, Telegram, etc., but not limited to the aforementioned social software.

In some implementations, both the remittance terminal mobile device 2 and the remittance terminal mobile device 4 can be directly or indirectly connected to the cross-border remittance device 10 via the Internet. Therefore, the cross-border remittance device 10 can be connected to the remittance terminal mobile device 2 respectively. 1. The mobile device 4 at the cashier end is connected to transmit data bidirectionally.

In some implementations, further, when the remitter can log in the remitter’s social software account on the mobile device 2 of the remittance terminal, and can add friends with the official account, he can use the interface (API) provided by the official account or Chatbots are used to interact while logging into the account of the remitter.

In some implementations, further, the payee can log in to the payee’s social software account on the mobile device 4 of the payee terminal, and can be friends with the official account, and can use the interface (API) provided by the official account Or interact in the form of a chat robot to receive notification messages sent by the cross-border remittance device 10 (such as the remittance completion notification sent by the notification unit 106).

The real-time exchange rate unit 102 retrieves the real-time announced exchange rate. Furthermore, the real-time exchange rate unit 102 can retrieve the preset real-time announced exchange rates of banks at various time points via the Internet, and therefore, the real-time announced exchange rates will vary with the captured time points.

The amount calculation unit 103 can calculate the remittance amount based on the transaction amount sent by the remitter's account according to the real-time announced exchange rate and handling fee information. Here, the transaction amount is the remitter The amount set by itself can be NTD or foreign currency. For example, the remitter can set the transaction amount as NTD 20,000, or set the transaction amount as VND 4 million. In addition, the beneficiary is, for example, a family member or friend of a foreign migrant worker (ie, the remitter) in his hometown (ie, outside the country), or an online shopping store, etc.

In some implementations, the remitter logs in to the remitter account through the remitter social software account, and can input the transaction amount through the interface (API) provided by the official account, and send the transaction amount to the cross-border remittance from the mobile device 2 of the remittance terminal device 10.

The amount calculation unit 103 calculates the remittance amount according to the real-time announced exchange rate and handling fee information. For example, when the transaction amount is NT$5,000, the amount calculation unit 103 calculates NT$5,000 plus a handling fee of NT$100 as the amount payable by the remitter, and the remittance amount is NT$5,000 after conversion according to the exchange rate For another example, when the transaction amount is 4 million Vietnamese dong, the amount calculation unit 103 converts 4 million Vietnamese dong into NT$5,000 according to the exchange rate announced immediately, and NT$5,000 plus a handling fee of NT$100 It is the amount payable by the remitter, and the remittance amount is VND 4 million.

The above description takes the transaction amount plus handling fee as an example, so the remittance amount is equal to the transaction amount. Another calculation method is to deduct the handling fee from the transaction amount. After deducting the service fee of NT$100, it will be converted into foreign currency according to the exchange rate. Therefore, the transaction amount is the remittance amount after deducting the service fee. However, the foregoing description is only an example, and the calculation method of the amount calculation unit 103 can be set according to the actual situation, for example, the handling fee adopts a monthly settlement method, etc., and the present invention is not limited thereto.

The withdrawal information processing unit 104 generates withdrawal information according to the payee information and withdrawal method sent by the remitter's account. Here, the beneficiary information can include the beneficiary last name Name, payee phone number, payee's bank account number, payee's social software account and other information; and the withdrawal method can be transfer to account, cash withdrawal at the base, or cash delivery at home.

In some implementations, the remitter logs in to the remitter account through the remitter’s social software account, and can enter the payee’s information and withdrawal method through the interface (API) provided by the official account, and the remitter’s mobile device 2 sends the received money The recipient information and withdrawal method are sent to the cross-border remittance device 10, and the withdrawal information processing unit 104 generates withdrawal information according to the payee information and withdrawal method.

The barcode generation unit 105 generates remittance barcode information according to the remittance amount, remitter account number and withdrawal information mentioned above, and sends the barcode generation unit 105 to the remittance terminal mobile device 2 . Here, the remittance barcode information may include remittance amount, remitter account number and withdrawal information, but not limited thereto.

In some implementations, the barcode generation unit 105 can transmit the remittance barcode information through the interface (API) provided by the official account and directly display the remittance barcode information on the display screen of the mobile device 2 at the remittance terminal, but the present invention is not limited thereto , you can also send the remittance barcode information by sending SMS or email.

The notification unit 106 generates a remittance completion notification to the overseas server unit 50 according to the received money message returned by the scanning unit 31 at the convenience store terminal scanning the remittance barcode information. That is to say, when the remitter goes to a convenience store to make a remittance, he presents the remittance barcode information displayed on the mobile device 2 of the remittance terminal, and the clerk can use the scanning unit 31 (such as a scanning device including a camera lens) of the point-of-sale information device 30 to scan The remittance barcode information is used to collect money. When the money is collected, the point-of-sale information device 30 or its scanning unit 31 will generate a money-received message, which will be sent to the notification unit 106 via the Internet, and then the notification unit 106 will generate a remittance completion notification to the overseas server. one RMB 50. Here, the convenience store end may be a convenience store, a grocery store, a supermarket, etc., which have a point-of-sale information device 30 (POS).

For another example, the remitter presents the remittance barcode information displayed on the mobile device 2 of the remittance terminal at a convenience store, and the clerk of the convenience store scans the remittance barcode information with the scanning unit 31 of the convenience store to know the remittance amount that the remitter should pay , and after receiving the cash paid by the remitter, scan the remittance barcode information again. At this time, the scanning unit 31 generates a received payment message, and sends the received payment message to the notification unit 106 of the cross-border remittance device 10 . Next, the notification unit 106 generates a remittance completion notification according to the received money message and sends it to the overseas server unit 50 .

Here, the overseas server unit 50 is, for example, a host computer of an overseas financial institution, or a third-party payment server host capable of executing an electronic payment program, but the present invention is not limited thereto. Since the received money message includes the payee information and withdrawal method in the remittance barcode information, the notification unit 106 generates a remittance completion notification based on the received money message and also includes the payee information and withdrawal method. Therefore, the overseas server unit 50 can rely on Payee information and withdrawal method to carry out the subsequent payment procedures.

To sum up, the cross-border remittance device 10 of the present invention allows foreign migrant workers to transfer funds through the social software interface. The operation is simple, intuitive and does not occupy the traffic of the network, and can be bound through the social software account at the same time identity. Moreover, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenience stores or cooperative stores, without being restricted by working hours and languages.

Please refer to FIG. 2, which is a schematic block diagram (2) of the cross-border remittance device of the present invention. In some implementations, the notification unit 106 sends a remittance completion notification to the mobile device 2 at the remittance end and the mobile device 4 at the payee end corresponding to the information of the payee according to the received money message. Here, the notification unit 106 can send a text message or send an email to the mobile device 4 of the payment terminal, or can send a message to the social software account of the payee registered in the mobile device 4 of the payment terminal. This is the limit. Therefore, after the remitter pays the remittance amount at the convenience store, the remitter and the payee can immediately know that the remittance operation has been completed.

In some implementations, the barcode generating unit 105 generates withdrawal barcode information according to the received payment information, and sends the withdrawal barcode information to the payee mobile device 4 corresponding to the payee information. That is to say, after the remitter pays the remittance amount at the convenience store, the scanning unit 31 scans the remittance barcode information to generate a received message. In this way, the barcode generation unit 105 generates the withdrawal barcode information according to the received payment message received by the notification unit 106 (meaning that the barcode generation unit 105 will receive the received payment message of the notification unit 106 to generate the withdrawal barcode information), and send it to the sending Withdraw the barcode information to the payee mobile device 4 corresponding to the information of the payee, and the payee can go to the local financial base to show the withdrawal barcode information to withdraw money, and the local financial base can pay the payee after scanning the withdrawal barcode information.

Please refer to FIG. 2 again. In some implementations, the cross-border remittance device 10 may further include a time-limiting unit 107 to set the effective time of the remittance barcode information, and the remittance barcode information becomes invalid when the valid time is exceeded. When the remittance barcode information is invalid, the scanning unit 31 scans the remittance barcode information without any response, so no received money message will be generated. That is to say, because the remittance barcode information includes the remittance amount, to avoid large exchange rate fluctuations caused by too long time, making the remittance amount not enough to pay the transaction amount and handling fee, the time-limiting unit 107 sets the effective time of the remittance barcode information, only within the limited time Receive the remittance amount paid by the remitter, and the scanning unit 31 scans the remittance barcode information to generate a received message. Generally speaking, the validity of the remittance barcode information The time can be set from 10 minutes to 30 minutes, but it can also be set according to actual needs.

Please refer to FIG. 2 again. In some implementations, the cross-border remittance device 10 may further include a customer service unit 108, which communicates with the remitter's social software account to generate a dialogue record. In some implementations, the customer service unit 108 can communicate with the social software account of the remitter through the official account, and the dialogue records between the two can be stored in the storage module of the cross-border remittance device 10 in the form of text or screenshots . In some implementations, the remittance record of the remitter's account can also be stored in the storage module of the cross-border remittance device 10 .

Please refer to FIG. 2 again. In some implementations, the cross-border remittance device 10 may further include a virtual account unit 109, which generates virtual account information based on the remittance amount, remitter account number, and withdrawal information, and is used in an automatic teller machine (ATM) based on the virtual account unit 109. After the account information is deposited into the remittance amount, the virtual account unit 109 generates a remittance completion notification to the overseas server unit 50 . In other words, the cross-border remittance device 10 generates virtual account information based on the remittance amount, remitter account number, and withdrawal information, and transmits the virtual account information to the remittance terminal mobile device 2, and the remitter can deposit the remittance amount based on the virtual account information. The account unit 109 generates a remittance completion notification to the overseas server unit 50 . Then, the overseas server unit 50 can carry out subsequent payment procedures according to the information of the payee and the withdrawal method. The overseas server unit 50 is as described above, so it will not be repeated here.

Please refer to FIG. 2 again. In some implementations, the cross-border remittance device 10 may further include a withdrawal information import unit 110. Here, the withdrawal information import unit 110 stores withdrawal information, which is stored in the remitter's social software account. After logging into the remitter's account, the withdrawal information can be automatically brought in. That is to say, after the remitter enters the payee information and withdrawal method through the interface (API) provided by the official account, the withdrawal information processing unit 104 generates withdrawal information, and the withdrawal information includes The input unit 110 can store the withdrawal information, and automatically bring in the withdrawal information when the remitter logs into the remitter's account next time.

Please refer to FIG. 2 again. In some implementations, the cross-border remittance device 10 may further include a mode selection unit 111 and a card reading unit 112 .

The mode selection unit 111 has a supermarket remittance mode and an online remittance mode. Here, the mode selection unit 111 can select one of the supermarket remittance mode and the online remittance mode according to the selection instruction sent by the remitter's account. That is to say, the remitter can choose the supermarket remittance mode or the online remittance mode through the interface (API) provided by the official account.

The card reading unit 112 receives the financial card information sent by the card reading device 6. In some implementations, the card reading device 6 can be directly or indirectly connected to the cross-border remittance device 10 via the Internet. Therefore, the cross-border remittance device 10 It can be connected with the card reading device 6 and can transmit data bidirectionally. Here, the card reading device 6 can be, for example, a card reader connected to the mobile device 2 of the remittance terminal, a card reader connected to the computer of the remitter, an automatic teller machine (ATM), or a supermarket multimedia service machine ( KIOSK) etc. can be used to read financial cards to obtain financial card information, but the card reading device 6 is not limited to the aforementioned examples.

When the remitter selects the remittance mode of the supermarket, the aforementioned barcode generation unit 105 generates remittance barcode information and sends it to the mobile device 2 of the remittance terminal. In this way, when the remitter goes to the convenience store for remittance, he presents the remittance barcode information displayed on the mobile device 2 of the remittance terminal, and the clerk can use the scanning unit 31 of the point-of-sale information device 30 to scan the remittance barcode information to collect money. As mentioned above, I won't repeat it here.

When the remitter selects the online remittance mode, insert the financial card into the card reading device 6 . The card reading unit 112 receives the financial card information sent by the card reading device 6 and reads from the corresponding financial card information. The remittance amount is deducted from the account of the newsletter. At this time, the notification unit 106 generates a remittance completion notification to the overseas server unit 50. Therefore, the remitter can choose one of the supermarket remittance mode and the online remittance mode, which greatly improves the convenience of remittance.

Please refer to FIG. 2 and FIG. 3 . FIG. 3 is a schematic block diagram of the cross-border remittance system of the present invention. Here, the cross-border remittance system 1 mainly includes the cross-border remittance device 10 and the point-of-sale information device 30 as described in any of the above-mentioned implementations.

The cross-border remittance device 10 receives the transaction amount, payee information and withdrawal method sent by the remitter account registered in the remittance terminal mobile device 2 to generate remittance barcode information, and transmits the remittance barcode information to the remittance terminal mobile device 2 . The cross-border remittance device 10 is as described above, so it will not be repeated here.

The point-of-sale information device 30 is located at the convenience store end. Here, the point-of-sale information device 30 may include a scanning unit 31, and use the scanning unit 31 to scan the remittance barcode information displayed on the remittance terminal mobile device 2, and operate the point-of-sale information after the personnel at the convenience store receive the cash of the remittance amount The device 30 or its scanning unit 31 can generate a received payment message, and send the received payment message to the notification unit 106 of the cross-border remittance device 10 . Here, the scanning unit 31 , the cross-border remittance device 10 , and the notification unit 106 are as described above, so details are omitted here.

Please refer to FIG. 2 and FIG. 4 . FIG. 4 is a schematic block diagram of the cross-border remittance transaction system of the present invention. Here, the cross-border remittance transaction system 1' mainly includes the cross-border remittance system 1 and the overseas server unit 50 as mentioned above, and the overseas server unit 50 can generate a withdrawal notification according to the remittance completion notification sent by the cross-border remittance system 1 , and send a withdrawal notification to the mobile device 4 of the payee terminal corresponding to the payee information.

As mentioned above, the overseas server unit 50 is, for example, a computer of an overseas financial institution host, or a third-party payment server host that can execute electronic payment procedures. Therefore, after the local cross-border remittance device 10 sends the remittance completion notification to the payee mobile device 4 and the overseas server unit 50, the overseas server unit 50 can send a withdrawal notification to the corresponding payee information (the payee is, for example, a foreign immigrant). The payment mobile device 4 of the family members who work in their hometown).

Please refer to FIG. 2 and FIG. 4 again, the overseas server unit 50 may further include a transfer module 51, wherein the transfer module 51 may transfer funds to the payee account corresponding to the payee information according to the withdrawal information. In other words, after the notification unit 106 generates a remittance completion notification (including the payee information and withdrawal method obtained through the remittance barcode information) based on the received money message generated by the scanning unit 31, and sends it to the overseas server unit 50, the overseas server unit 50 The transfer module 51 transfers money to the payee account corresponding to the payee information according to the withdrawal information (payee information and withdrawal method).

In addition, each unit described above (including but not limited to the login unit 101, the instant exchange rate unit 102, the amount calculation unit 103, the withdrawal information processing unit 104, the barcode generation unit 105, the notification unit 106, the time limit unit 107, the customer service unit 108, The virtual account unit 109, the withdrawal information bringing-in unit 110, the scanning unit 31, the overseas server unit 50, etc.), each module (including but not limited to the transfer module 51, etc.) A separate computer device runs related software, or it can be realized by one or several computer devices running related software.

To sum up, with the cross-border remittance device 10, cross-border remittance system 1 and cross-border remittance transaction system 1' of the present invention, local foreign migrant workers can operate the transfer through the social software interface, and at the same time bind the account through the social software. identity. In addition, through the remittance barcode information, foreign migrant workers can pay the remittance amount at convenience stores or cooperative stores without being affected by working hours or And language restrictions, and provide overseas payees with a variety of withdrawal methods, and at the same time solve the problem that the remitter/drawer has no bank account.

Through the above detailed description, it can be fully demonstrated that the purpose and efficacy of the present invention are progressive in implementation, have great industrial value, and are a new invention that has never been seen on the market before, and fully meet the requirements of patents. ∙ Apply in accordance with the law. The above descriptions are only preferred embodiments of the present invention, and should not be used to limit the implementation scope of the present invention. That is to say, all the equivalent changes and modifications made according to the scope of the patent of the present invention should fall within the scope of the patent of the present invention. I would like to ask your examiner to take note and pray for your approval. I pray for it.

10: Cross-border remittance device 101: Login unit 102: Instant rate unit 103: Amount Calculation Unit 104: withdrawal information processing unit 105: Barcode generating unit 106: Notification unit 31: Scanning unit 50: Overseas servo unit 2: Remittance terminal mobile device

Claims (8)

A cross-border remittance device, comprising: a login unit, connected to a remittance terminal mobile device via the network, and logging in a remitter account according to a remitter social software account of the remittance terminal mobile device; a real-time exchange rate unit, retrieving A real-time announced exchange rate; an amount calculation unit, which calculates a remittance amount based on a transaction amount sent by the remitter account according to the real-time announced exchange rate and a handling fee information; a withdrawal information processing unit, based on the transaction amount sent by the remitter account A payee information and a withdrawal method generate a withdrawal information; a code generating unit generates a remittance barcode information according to the remittance amount, the remitter account number and the withdrawal information, and sends the remittance barcode information to the remittance terminal mobile device, Generate a withdrawal barcode information based on a received payment message, and send the withdrawal barcode information to a payee terminal mobile device corresponding to the payee information; a notification unit receives a scanning unit at a convenience store terminal to scan the remittance barcode The received money message generated by the information, and according to the received money message, a remittance completion notification is generated to an overseas server unit, wherein the notification unit sends the remittance completion notification to the remittance terminal mobile device and The payee mobile device corresponding to the payee information, wherein the barcode generation unit generates the withdrawal barcode information according to the received message received by the notification unit; and a customer service unit, and the remitter community software Account dialogue to generate a dialogue record, the dialogue record includes the remittance completion notification. The cross-border remittance device as described in request item 1 further includes a time-limiting unit, which sets a valid time for the remittance barcode information. When the valid time is exceeded, the remittance barcode information becomes invalid, and the scanning unit scans the remittance barcode information. Generate the received message. The cross-border remittance device as described in claim 1 further includes a virtual account unit, which generates a virtual account information based on the remittance amount, the remitter account number and the withdrawal information, and deposits the remittance in an automatic teller machine based on the virtual account information amount, the virtual account unit generates the remittance completion notification to the overseas server unit. The cross-border remittance device as described in claim 1 further includes a withdrawal information importing unit, which stores the withdrawal information and imports the withdrawal information when logging into the remitter's account on the remitter's social software account. The cross-border remittance device as described in claim 1 further includes a mode selection unit and a card reading unit, the mode selection unit has a supermarket remittance mode and an online remittance mode, and the card reading unit receives a card reading device Send a piece of financial card information, the mode selection unit selects one of the supermarket remittance mode and the online remittance mode according to a selection instruction sent by the remitter account, when the supermarket remittance mode is selected, the barcode is generated The unit generates the remittance barcode information and sends it to the remittance terminal mobile device. When the online remittance mode is selected, the card reading unit deducts the remittance amount from an account corresponding to the financial card information according to the financial card information, and the notification unit Generate the remittance completion notification to the overseas server unit. A cross-border remittance system, comprising: a cross-border remittance device as described in any one of the requirements 1 to 5, receiving the transaction amount and the payee information sent by the remitter account number registered on the remittance terminal mobile device and the withdrawal The remittance barcode information is generated by the method, and the remittance barcode information is sent to the remittance terminal mobile device; a point-of-sale information device, located at the convenience store end, includes the scanning unit, which scans the remittance terminal mobile device Displayed the remittance barcode information After receiving the cash of the remittance amount, the personnel at the convenience store operate the scanning unit to generate the received money message, and send the received money message to the notification unit of the cross-border remittance device. A cross-border remittance transaction system, comprising: a cross-border remittance system as described in claim 6; and an overseas server unit, which generates a withdrawal notification according to the remittance completion notification sent by the cross-border remittance system, and transmits the withdrawal notification To one of the payee mobile devices corresponding to the payee information. In the cross-border remittance transaction system described in Claim 7, the overseas server unit includes a transfer module, and the transfer module transfers funds to a payee account corresponding to the payee information according to the withdrawal information.

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