TWI820332B - Transaction system, transaction server and transaction method - Google Patents

Abstract

A transaction system, transaction server and transaction method are provided. The transaction system includes a first financial server and a transaction server. The transaction server generates an exchange rate query request according to the connection notification, and transmits the exchange rate query request to the first financial server when receiving a connection notification through an electronic transaction webpage. The first financial server queries the second financial server for an exchange rate according to the exchange rate query request after receiving the exchange rate query request, and sends the exchange rate to the transaction server. The transaction server converts prices of multiple goods on the electronic transaction webpage from a local currency to a target currency based on the exchange rate.

Description

Trading systems, trading servers and trading methods

The present invention relates to a commodity trading architecture, and in particular to an online trading system, a trading server and a trading method.

Generally speaking, when multinational consumers make online purchases, the goods or services provided by local shopping platform suppliers are mainly priced in the local currency, and multinational consumers often need to go to the final payment page. , only to learn the equivalent foreign currency to be paid, the shopping experience and the product's price perception are one of the major factors that will prevent the transaction from being established.

The invention provides a transaction system, a transaction server and a transaction method, which can simulate the pricing model of a cross-border third-party payment company.

The trading system of the present invention includes: a first financial server; and a trading server that provides an electronic trading web page. When the transaction server receives a connection notification through the electronic trading web page, it generates an exchange rate query request based on the connection notification and sends an exchange rate query request. Rate query requests to the first financial server. After receiving the exchange rate inquiry request, the first financial server inquires the exchange rate from the second financial server according to the exchange rate inquiry request, and sends the exchange rate to the transaction server. The transaction server converts the prices of multiple products on the electronic transaction webpage from the local currency to the target currency based on the conversion rate.

In an embodiment of the present invention, the first financial server belongs to a financial institution in the first country, the second financial server belongs to a financial institution in the second country, the first country uses local currency, and the second country uses target Currency.

In an embodiment of the present invention, the connection notification includes a network address of the electronic device that sends the connection notification. The transaction server identifies the actual location of the electronic device based on the network address, and when determining that the country where the electronic device is located is different from the country where the transaction server belongs, generates an exchange rate query request, where the exchange rate query request includes Target currency.

In an embodiment of the present invention, the first financial server queries the exchange rate from the second financial server corresponding to the target currency according to the exchange rate query request.

In one embodiment of the present invention, the transaction server receives the selection instruction through the electronic transaction web page, puts the corresponding product into the temporary storage area based on the selection instruction, and performs pricing based on the target currency.

The transaction server of the present invention includes: a communication device for connecting to the Internet; a storage device, including an electronic trading web page; and a processor, coupled to the communication device and the storage device, and the processor is configured to: When the electronic trading webpage receives the connection notification, it generates an exchange rate query request based on the connection notification; through the Internet transmitting an exchange rate inquiry request to the first financial server; receiving an exchange rate from the first financial server; and converting the prices of multiple commodities on the electronic transaction webpage from the local currency to the target currency based on the exchange rate.

The transaction method of the present invention is suitable for a trading system. The trading system includes a first financial server and a transaction server. The transaction method includes: when the transaction server receives a connection notification through an electronic trading webpage, it generates an exchange rate based on the connection notification. query request, and send the exchange rate query request to the first financial server; the first financial server queries the second financial server for the exchange rate according to the exchange rate query request, and sends the exchange rate to the transaction server; and the transaction server based on the exchange rate Convert the prices of multiple commodities on the electronic transaction web page from the local currency to the target currency.

Based on the above, currencies can be instantly converted based on the location of multinational consumers, increasing price transparency and instant conversion.

100:Trading system

110:Trading server

120:The first financial server

130: Second financial server

140:Internet

210: Processor

220: Communication device

230:Storage device

231: Electronic trading web page

S305~S315: Each step of the transaction method

Figure 1 is a block diagram of a trading system according to an embodiment of the present invention.

Figure 2 is a block diagram of a transaction server according to an embodiment of the present invention.

Figure 3 is a flow chart of a transaction method according to an embodiment of the present invention.

Figure 1 is a block diagram of a trading system according to an embodiment of the present invention. Figure 2 is a block diagram of a transaction server according to an embodiment of the present invention. Please refer to Figure 1 and Figure 2. The trading system 100 includes a trading server 110, a first financial server 120 and a second financial server 130. The transaction server 110, the first financial server 120 and the second financial server 130 communicate with each other through the Internet 140. The transaction server 110 includes a processor 210, a communication device 220 and a storage device 230.

The processor 210 is, for example, a Central Processing Unit (CPU), a Graphic Processing Unit (GPU), a Physics Processing Unit (PPU), a programmable microprocessor, Embedded control chip, Digital Signal Processor (DSP), Application Specific Integrated Circuits (ASIC) or other similar devices.

The communication device 220 is, for example, a network card, a WiFi chip, a mobile communication chip, etc. The storage device 230 is, for example, any type of fixed or removable random access memory, read-only memory, flash memory, secure digital card, hard disk or other similar device or a combination of these devices. A plurality of program code fragments are stored in the storage device 230. After being installed, the above program code fragments will be executed by the processor 210 to implement the following transaction method. The storage device 230 includes an electronic transaction web page 231. Consumers can make purchases online through the electronic transaction web page 231 provided by the transaction server 110 .

In this embodiment, the local transaction system 100 provides a simulated cross-border pricing model, so that multinational consumers can conduct electronic transactions through The electronic transaction web page 231 displays the currency of the consumer's location.

Here, the transaction server 110 and the first financial server 120 are located in the same country. The country to which the second financial server 130 belongs corresponds to the country where the multinational consumer is located. For example, the first financial server 120 belongs to a financial institution in country A, and the transaction server 110 is set up in country A. Assume that the consumer in country B uses an Internet-enabled electronic device to connect to the electronic transaction web page 231, then the second financial server 130 belongs to the financial institution in country B.

Figure 3 is a flow chart of a transaction method according to an embodiment of the present invention. Referring to FIG. 3 , in step S305 , when receiving the connection notification through the electronic transaction web page 231 , the transaction server 110 generates an exchange rate inquiry request according to the connection notification, and sends the exchange rate inquiry request to the first financial server 120 .

For example, a consumer in country B can use an electronic device with networking capabilities to connect to the transaction server 110 provided in country A, so that the transaction server 110 provides the electronic transaction web page 231 to the electronic device used by the consumer. When the transaction server 110 detects a connection from another electronic device, it can obtain the network address of the connection target according to the connection notification.

The connection notification includes the network address of the electronic device that sent the connection notification. The transaction server 110 identifies the actual location of the electronic device based on the network address, and when it is determined that the country where the actual location of the electronic device is located is different from the country where the transaction server 110 belongs, the transaction server 110 enters according to the connection The actual location of the electronic device is used to determine the target currency and generate an exchange rate query request accordingly. That is, the exchange rate query request includes the target currency.

Next, in step S310 , the first financial server 120 queries the second financial server 130 for the exchange rate according to the exchange rate inquiry request, and transmits the exchange rate to the transaction server 110 . Furthermore, the first financial server 120 queries the second financial server 130 corresponding to the country to which the target currency belongs based on the exchange rate query request for the exchange rate. That is to say, the country to which the second financial server 130 belongs is determined based on the target currency.

Here, the responsible manufacturer to which the electronic transaction web page 231 belongs has set an agreement in advance with the financial institution to which the first financial server 120 belongs, so that the electronic transaction web page 231 can query the exchange rates of various currencies through the first financial server 120 in real time.

Thereafter, in step S315, the transaction server 110 converts the prices of the plurality of commodities on the electronic transaction web page 231 from the local currency to the target currency based on the exchange rate.

That is, after a multinational consumer connects to the electronic transaction web page 231, the electronic transaction web page 231 can instantly display the price of each commodity relative to the currency of the consumer's location. Consumers can choose between multiple products. After receiving the selection instruction through the electronic transaction web page 231, the transaction server 110 puts the corresponding product into a temporary storage area (such as a shopping cart) based on the selection instruction, and performs pricing based on the target currency.

In summary, the present invention provides a pricing model that simulates a cross-border third-party payment company, so that when cross-border residents browse electronic trading websites, the quoted currency displayed for their products can instantly display the local currency. Accordingly, Let consumers know the price of goods at any time and improve the transaction rate.

100:Trading system

110:Trading server

120:The first financial server

130: Second financial server

140:Internet

Claims (2)

A trading system includes: a first financial server belonging to a financial institution in a first country; and a trading server set up in the first country to provide an electronic trading web page; wherein the trading server displays the When the electronic transaction webpage of multiple commodities receives a connection notification, an exchange rate query request is generated according to the connection notification, and the exchange rate query request is sent to the first financial server, so that the electronic transactions of the commodities are displayed. The web page responds to receiving the connection notification and immediately queries the exchange rate of a target currency through the first financial server, wherein the exchange rate query request includes the target currency. After receiving the exchange rate query request, the first financial server According to the exchange rate inquiry request, an exchange rate is inquired from a second financial server corresponding to a second country to which the target currency belongs, and the exchange rate is sent to the transaction server, wherein a link notification is sent The country where the actual location of the electronic device is located is the second country, the second financial server belongs to a financial institution in the second country, and the transaction server converts the electronic transaction based on the exchange rate associated with the exchange rate query request. The prices of the commodities on the webpage are converted from a local currency used in the first country to the target currency, so that the electronic transaction webpage reflects the online notification and instantly displays the price of each of the commodities relative to the actual location of the consumer. The price of the target currency of the location, wherein the connection notification includes a network address of the electronic device that sent the connection notification, and the transaction server identifies the actual location where the electronic device is located based on the network address. location, and when it is determined that the country where the actual location of the electronic device is located is different from the country where the transaction server belongs, the exchange rate query request is generated, wherein the transaction server displays the electronic transaction webpage of the commodities. A selection instruction is received, the corresponding product is placed into a temporary storage area based on the selection instruction, and the price is calculated based on the target currency, and the temporary storage area includes a shopping cart. A trading method suitable for a trading system. The trading system includes a first financial server and a trading server. The first financial server belongs to a financial institution in a first country. The trading server is installed in the first country. In the country, the transaction method includes: when the transaction server receives a connection notification through an electronic transaction web page displaying multiple commodities, it generates an exchange rate inquiry request based on the connection notification, and sends the exchange rate inquiry request to a first The financial server causes the electronic transaction web page displaying the commodities to immediately query the exchange rate of a target currency through the first financial server in response to receiving the connection notification, wherein the exchange rate query request includes the target currency; The first financial server queries a second financial server corresponding to a second country to which the target currency belongs based on the exchange rate query request for an exchange rate, and sends the exchange rate to the transaction server, wherein the connection is sent The country of the actual location of the electronic device notified online belongs to the second country, and the second financial server belongs to a financial institution in the second country; and the transaction server is based on the exchange associated with the exchange rate query request. The exchange rate converts the prices of the commodities on the electronic transaction webpage from a local currency used in the first country to the target currency, so that the electronic transaction webpage responds to the online notification in real time Displaying the price of each of the commodities in the target currency relative to the actual location of the consumer, wherein the connection notification includes a network address of the electronic device that transmits the connection notification, and the transaction method further includes: In the transaction server, the actual location of the electronic device is identified based on the network address; and when it is determined that the country of the actual location of the electronic device is different from the country of the transaction server, an The exchange rate query request, in which the transaction server receives a selection instruction through the electronic transaction webpage, puts the corresponding product into a temporary storage area based on the selection instruction, and performs pricing based on the target currency, and the temporary storage The area includes a shopping cart.

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