TWI828159B - Exchange transaction management system and method - Google Patents

Abstract

A currency exchange transaction management system that stores account information corresponding to a user account and is used for: when receiving a currency exchange transaction request from a currency exchange user end that corresponds to the user account and includes a specified delivery date. , determine whether the designated delivery date is the current date or a future date. If it is the current date, at least based on whether the account balance of the account information is sufficient to decide whether to approve the exchange transaction request. If it is a future date, at least based on the account information. Whether the balance of the credit limit is sufficient to decide whether to approve the exchange transaction request, and, after approving the exchange transaction request, execute a currency exchange for the user account based on the exchange transaction request within the specified delivery date Delivery procedures.

Description

Currency exchange transaction management system and method

The present invention relates to a management system, and in particular, to a foreign exchange transaction management system for managing foreign exchange transactions. The present invention also relates to a foreign exchange transaction management method implemented by a foreign exchange transaction management system.

In an era of rapid global economic development, the demand for foreign currency funds in all walks of life is increasing day by day. Therefore, for financial institutions that provide foreign exchange transaction services, how to achieve a balance between improving customers' foreign exchange flexibility and managing credit risks has become an important issue. An issue worth discussing.

One of the objectives of the present invention is to provide a currency exchange transaction management system that helps achieve the above objectives.

The currency exchange transaction management system of the present invention is suitable for providing an electrical connection to a currency exchange user end; the currency exchange transaction management system includes a processing unit and a storage unit electrically connected to the processing unit. The storage unit stores account information corresponding to a user account and including an account balance and a credit limit balance. The processing unit is used to: when receiving a foreign exchange transaction request from the currency exchange user, corresponding to the user account and containing a specified delivery date, determine whether the specified delivery date is the current date or in the future after the current date. date; when it is determined that the designated delivery date is the current date, the decision on whether to approve the foreign exchange transaction request shall be made at least based on whether the deposit balance of the account is sufficient; when it is determined that the designated delivery date is a future date, at least based on the sufficient balance of the credit line to decide whether to approve the exchange transaction request; after approving the exchange transaction request, execute the exchange delivery procedure for the user account based on the exchange transaction request within the specified delivery date.

In some implementation aspects of the foreign exchange transaction management system of the present invention, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered. The exchange transaction request also includes a requested debit currency and a requested credit currency. The processing unit also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and does not allow the exchange transaction when it is determined that the exchange transaction request meets the reverse exchange condition. Request, wherein the reverse exchange condition includes the existence of a transaction in the scheduled delivery data that includes a scheduled delivery date that is consistent with the specified delivery date, a scheduled debit currency that is consistent with the requested accounting currency, and a consistent Scheduled delivery details of the scheduled recording currency in the requested debit currency.

In some implementations of the exchange transaction management system of the present invention, the account information also includes historical exchange data, and the historical exchange data is related to at least one historical exchange transaction that has been completed. The exchange transaction request also includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency. The processing unit also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and does not allow the exchange transaction when it is determined that the exchange transaction request meets the reverse exchange condition. Request, wherein the reverse exchange condition includes the existence of a transaction in the historical exchange data including a historical transaction date consistent with the requested transaction date, a historical debit currency consistent with the requested accounting currency, and a Historical exchange records of the historical entry currency that match the requested debit currency.

In some implementation aspects of the foreign exchange transaction management system of the present invention, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered. The exchange transaction request also includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency. The processing unit also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and does not allow the exchange transaction when it is determined that the exchange transaction request meets the reverse exchange condition. Request, in which the reverse exchange condition includes the existence of a transaction in the scheduled delivery data that includes a transaction date consistent with the requested transaction date, a scheduled debit currency consistent with the requested accounting currency, and a scheduled debit currency consistent with the requested accounting currency. The scheduled delivery details of the scheduled entry currency of the requested debit currency.

Another object of the present invention is to provide a foreign exchange transaction management method that helps achieve the above object.

The currency exchange transaction management method of the present invention is implemented by a currency exchange transaction management system suitable for electrical connection to a currency exchange user terminal. The currency exchange transaction management system stores account information corresponding to a user account, and the account information includes An account deposit balance and a credit limit balance; the currency exchange transaction management method includes: (A) when receiving a currency exchange transaction request from the currency exchange user, corresponding to the user account and including a specified delivery date, Determine whether the designated delivery date is the current date or a future date after the current date; (B) When determining that the designated delivery date is the current date, decide whether to grant the exchange transaction request at least based on whether the deposit balance in the account is sufficient; (C) When it is determined that the designated delivery date is a future date, at least based on the adequacy of the balance of the credit line, the decision is made whether to approve the exchange transaction request; (D) After the exchange transaction request is approved, on the designated delivery date According to the exchange transaction request, a foreign exchange delivery procedure is executed for the user account.

In some implementation aspects of the foreign exchange transaction management method of the present invention, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered. In step (A), the exchange transaction request also includes a requested debit currency and a requested credit currency. In step (C), the exchange transaction management system also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and determines that the exchange transaction request meets the reverse exchange condition. The exchange transaction request is not allowed when the exchange conditions are met. The reverse exchange conditions include that the scheduled delivery information contains a scheduled delivery date that is consistent with the specified delivery date and a currency that is consistent with the requested accounting. The scheduled debit currency, and a scheduled delivery details of the scheduled accounting currency that matches the requested debit currency.

In some implementation aspects of the exchange transaction management method of the present invention, the account information also includes historical exchange data, and the historical exchange data is related to at least one historical exchange transaction that has been completed. In step (A), the exchange transaction request further includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency. In step (B), the exchange transaction management system also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and determines that the exchange transaction request meets the reverse exchange condition. The exchange transaction request is not allowed under the exchange conditions, wherein the reverse exchange condition includes that the historical exchange data includes a historical transaction date that is consistent with the requested transaction date, and a currency that is consistent with the requested account. Different historical debit currencies, and a historical exchange record of the historical credit currency that matches the requested debit currency.

In some implementation aspects of the foreign exchange transaction management method of the present invention, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered. In step (A), the exchange transaction request further includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency. In step (C), the exchange transaction management system also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and determines that the exchange transaction request meets the reverse exchange condition. The exchange transaction request is not allowed when the exchange conditions are met. The reverse exchange conditions include that the scheduled delivery data contains a transaction date that is consistent with the requested transaction date and a transaction that is consistent with the requested accounting currency. The scheduled debit currency, and the scheduled delivery details of the scheduled entry currency that matches the requested debit currency.

The effect of the present invention is that: the currency exchange transaction management system can provide customers with further flexibility on the delivery date of online currency exchange, and when the specified delivery date of the currency exchange transaction request is a future date, the currency exchange transaction management system The system will decide whether to approve the currency exchange transaction request based on whether the credit limit balance of the account information is sufficient, thereby improving the customer's currency exchange flexibility and achieving credit risk control at the same time. Therefore, the purpose of the present invention can indeed be achieved.

Before the present invention is described in detail, it should be noted that if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired connection" between multiple electronic devices/devices/components through conductive materials. "Electrical connection", and "radio connection" for one/two-way wireless signal transmission through wireless communication technology. On the other hand, the "electrical connection" mentioned in this patent specification also generally refers to the "direct electrical connection" formed by multiple electronic devices/devices/components being directly connected to each other, as well as the "direct electrical connection" between multiple electronic devices/devices/components. They are also indirectly connected to each other through other electronic equipment/devices/components to form an "indirect electrical connection".

Referring to Figure 1, one embodiment of the currency exchange transaction management system 1 of the present invention is suitable for electrically connecting a currency exchange user terminal 5 through a network, and communicating with the currency exchange user terminal 5 through the network, whereby the currency exchange user terminal 5 communicates with each other through the network. The foreign exchange transaction management system 1 allows a user holding the foreign exchange terminal 5 to use the foreign currency exchange terminal 5 connected to the foreign exchange transaction management system 1 to perform online foreign exchange operations. Among them, the exchange transaction management system 1 is managed by a financial institution (such as a bank), for example. On the other hand, the exchange terminal 5 can be a portable mobile electronic device (such as a mobile phone, a tablet computer), or This can be a laptop or desktop computer. It should be supplemented that although only a single currency exchange terminal 5 is shown in Figure 1, in the actual application of this embodiment, the currency exchange transaction management system 1 is used for multiple currency exchange terminals 5 to communicate through Network electrical connection.

In this embodiment, the currency exchange transaction management system 1 is implemented as a server device, for example, and the currency exchange transaction management system 1 includes a processing unit 11 and a storage unit 12 electrically connected to the processing unit 11 . The processing unit 11 is a central processing unit with data computing and processing functions. The storage unit 12 is a data storage device (such as a hard disk or other types of computer-readable recording media) capable of storing digital data. However, in other embodiments, the exchange transaction management system 1 can also be implemented as a combination of multiple servo devices that are electrically connected to each other, and the processing unit 11 can also be implemented as a combination of multiple central processors, and the processing unit 11 can also be implemented as a combination of multiple central processing units. The storage unit 12 can also be implemented as a combination of multiple data storage devices. Therefore, the actual implementation of the currency exchange transaction management system 1 is not limited to this embodiment.

The storage unit 12 stores an account information D corresponding to a user account, wherein the user account is a financial account opened by the financial institution for a customer (for example, a corporate customer), and the account information D For example, it includes an account balance corresponding to the user account, a credit line balance, a historical exchange data, and a scheduled delivery data.

The account balance represents the total amount of deposits in a certain currency (such as New Taiwan dollars, US dollars, or other currencies) deposited by the customer in his financial account.

The balance of the credit line is the result of deducting the upper limit of the amount that the financial institution can lend to the customer from the amount that the financial institution has loaned to the customer. That is, the remaining amount that the financial institution can still lend to the customer but has not yet lent.

The historical exchange data includes, for example, one or more historical exchange records, wherein each historical exchange record is used to indicate a historical exchange transaction that has been completed, and each historical exchange record includes a historical transaction date, A historical delivery date, a historical debit account number, a historical debit currency, a historical entry currency, a historical exchange rate, a pair of historical deduction amounts in the historical debit currency, and a pair of historical deductions Historical posting amount in posting currency. The historical transaction date represents the transaction date of the corresponding historical currency exchange transaction, that is, the date when the customer submitted the corresponding transaction application and the historical currency exchange transaction was confirmed to be completed. The historical debit currency is the currency that the customer sold to the financial institution in the corresponding historical exchange transaction, and the historical recording currency is the currency that the customer sold to the financial institution in the corresponding historical exchange transaction. The currency to buy. For example, assuming that the customer exchanged New Taiwan dollars into U.S. dollars in a historical exchange transaction, the historical debit currency of the corresponding historical exchange record will indicate "New Taiwan Dollar", and the historical credit currency will be "USD" will be indicated.

The scheduled delivery information includes, for example, one or more scheduled delivery details, where each scheduled delivery detail is used to indicate a completed exchange transaction that has been completed but has not yet been delivered, and each scheduled delivery detail includes a completion date, a scheduled Delivery date, a scheduled debit account number, a scheduled debit currency, a scheduled entry currency, an exchange rate, a pair of scheduled deduction amounts in the scheduled debit currency, and a pair of scheduled entry currencies Other scheduled credit amounts. The transaction date represents the transaction day of the completed exchange transaction, that is, the date on which the customer submitted the corresponding transaction application and the transaction was confirmed to be completed. The scheduled debit currency is the currency that the customer sells to the financial institution in the corresponding completed exchange transaction, and the scheduled entry currency is the currency that the customer sells to the financial institution in the corresponding completed exchange transaction. The currency purchased by the financial institution. For example, if the customer exchanges New Taiwan Dollars for U.S. dollars in a completed exchange transaction, the scheduled debit currency of the corresponding scheduled delivery details will indicate "New Taiwan Dollars", and the scheduled credit currency will be "USD" will be indicated. It should be added that if the customer currently does not have any completed but undelivered foreign exchange transactions, the scheduled delivery information will not include any scheduled delivery details.

It should be understood that in the actual implementation of this embodiment, the storage unit 12 will store multiple pieces of account information D respectively corresponding to multiple user accounts. However, for convenience of description, this embodiment only uses the figure The single account information D shown in 1 explains the operation of the currency exchange transaction management system 1.

Referring to FIGS. 1 and 2 at the same time, how the currency exchange transaction management system 1 of this embodiment implements a currency exchange transaction management method is explained in detail below.

First, in step S1, the processing unit 11 receives a currency exchange transaction request from the currency exchange user terminal 5 and corresponding to the user account. The exchange transaction request includes a requested transaction date indicating the current date, a requested debit currency, a requested account currency, a requested debit amount in the requested debit currency, and a requested debit amount in the requested debit currency. The requested credit currency is the expected credit amount of the pricing unit, a specified delivery date, a pair of requested debit account numbers that should be requested for the debit currency, and a pair of requested credit account numbers that should be requested for the credit currency. The requested transaction date represents the date when the customer operated the currency exchange terminal 5 to generate and transmit the currency exchange transaction request, that is, the date when the customer applied for the current currency exchange transaction. The currency requested for debit represents the currency that the customer wants to sell to the financial institution in the current currency exchange transaction (for example: New Taiwan Dollar), and the currency requested for debit is consistent with the account balance of account information D. The currencies match. On the other hand, the scheduled entry currency represents the currency that the customer wants to buy from the financial institution in the current currency exchange transaction (for example: US dollars).

More specifically, the currency exchange transaction request is generated by the currency exchange user terminal 5 according to the user's operation while running an online currency exchange service application issued by the financial institution, where the online currency exchange transaction request is generated by the user's operation. The currency exchange service application includes a currency exchange details setting interface that can be displayed by the currency exchange client 5, and the currency exchange details setting interface is used for the user to set the requested debit currency on the currency exchange client 5. type, the currency of the requested account, the requested debit amount, the specified delivery date, the requested debit account and the requested account account. Specifically, in the application of this embodiment, the exchange details setting interface allows the user to freely select the current date, the next business day (i.e. T+1) or the last two business days (i.e. T+1) of the current date. 2) as the designated delivery date, and provide customers with further flexibility on the delivery date of online currency exchange to enhance customers’ trading experience.

After the processing unit 11 receives the exchange transaction request, the process proceeds to step S2.

In step S2, once the processing unit 11 receives the exchange transaction request, the processing unit 11 determines whether the specified delivery date in the exchange transaction request is the current date or a future date after the current date. If the processing unit 11 determines that the designated delivery date is the current date, the process proceeds to step S3. On the other hand, if the processing unit 11 determines that the designated delivery date is a future date (for example, one or two business days after the current date), the process then proceeds to step S8.

In step S3 following step S2, once the processing unit 11 determines that the designated delivery date of the currency exchange transaction request is the current date, the processing unit 11 determines whether the account balance of the account information D is sufficient.

More specifically, the processing unit 11 determines whether the account deposit balance of the account information D is sufficient by comparing the account deposit balance with the requested deduction amount. If the account deposit balance is greater than or equal to the requested deduction amount, , the processing unit 11 determines that the deposit balance of the account is sufficient; conversely, if the deposit balance of the account is less than the requested deduction amount, the processing unit 11 determines that the deposit balance of the account is insufficient.

If the processing unit 11 determines that the account balance of the account information D is sufficient, the process proceeds to step S4. On the other hand, if the processing unit 11 determines that the account balance of the account information D is insufficient, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S7.

In step S4 following step S3, the processing unit 11 determines whether the exchange transaction request meets a reverse exchange condition (herein as a first reverse exchange condition). More specifically, in this embodiment, the way for the processing unit 11 to determine whether the exchange transaction request meets the first reverse exchange condition is to query whether there is a transaction in the historical exchange data of the account information D. Including a historical transaction date consistent with the requested transaction date, a historical debit currency consistent with the requested debit currency, and a reverse historical exchange of the historical credit currency consistent with the requested debit currency. Exchange records. If there is a reverse historical exchange record, the processing unit 11 determines that the exchange transaction request meets the first reverse exchange condition. On the contrary, if there is no reverse historical exchange record, the processing unit 11 determines that the exchange transaction request meets the first reverse exchange condition. The exchange transaction request does not meet the first reverse exchange condition.

For example, assume that the requested transaction date, requested debit currency, and requested credit currency of the currency exchange transaction request are "2022/03/24", "New Taiwan Dollar", and "US Dollar" respectively, and the historical exchange transaction request There is also a historical exchange record in the exchange data with the historical transaction date, historical debit currency and historical credit currency being "2022/03/24", "USD" and "NTD" respectively, representing the customer in " "2022/03/24" A foreign exchange transaction of "converting US dollars to New Taiwan dollars" has been completed and delivered on that day, but the customer wants to conduct a reverse exchange transaction of "converting New Taiwan dollars to US dollars" on the same day Trading and Delivery. In this case, the processing unit 11 will determine that the exchange transaction request meets the first reverse exchange condition.

If the processing unit 11 determines that the exchange transaction request does not meet the first reverse exchange condition, the process proceeds to step S5. On the other hand, if the processing unit 11 determines that the exchange transaction request meets the first reverse exchange condition, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S7.

In step S5 following step S4, the processing unit 11 determines whether the exchange transaction request meets another reverse exchange condition (herein as a second reverse exchange condition). More specifically, in this embodiment, the processing unit 11 determines whether the exchange transaction request meets the second reverse exchange condition by querying the scheduled delivery data of the account information D to see whether there is a transaction including A transaction date consistent with the requested transaction date, a scheduled debit currency consistent with the requested debit currency, and a reverse scheduled delivery details of the scheduled credit currency consistent with the requested debit currency. If there are reverse scheduled delivery details, the processing unit 11 determines that the exchange transaction request meets the second reverse exchange condition; conversely, if there is no reverse scheduled delivery details, the processing unit 11 determines that the exchange transaction The request does not meet this second reverse exchange condition.

For example, assume that the requested transaction date, requested debit currency, and requested credit currency of the currency exchange transaction request are "2022/03/24", "NTD", and "USD" respectively, and the scheduled delivery There is another scheduled delivery detail in the data with the transaction date, scheduled debit currency and scheduled credit currency being "2022/03/24", "USD" and "NTD" respectively, which means that the customer will be in "2022/03" /24" On that day, a completed exchange transaction of "converting US dollars to New Taiwan dollars" that will be delivered on a future date has been completed, but the customer wants to conduct a reverse transaction of "converting New Taiwan dollars to US dollars" on the same day. To exchange transactions and delivery. In this case, the processing unit 11 will determine that the exchange transaction request meets the second reverse exchange condition.

If the processing unit 11 determines that the exchange transaction request does not meet the second reverse exchange condition, the process proceeds to step S6. On the other hand, if the processing unit 11 determines that the exchange transaction request meets the second reverse exchange condition, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S7.

In step S6 following step S5, when it is determined that the account deposit balance of the account information D is sufficient and neither the first reverse exchange condition nor the second reverse exchange condition is met, the processing unit Grant the exchange transaction request, and for example, immediately execute the exchange settlement procedure for the user account based on the exchange transaction request, and add a new exchange transaction corresponding to the exchange settlement in the historical exchange data of the account information D The historical exchange record of the program is generated, and the exchange transaction management method of this embodiment is ended. Among them, the exchange and delivery procedure includes, for example, deducting an amount denominated in the requested debit currency and matching the requested debit amount from the account corresponding to the requested debit account, and deducting an amount in the requested credit currency. The amount calculated and in line with the expected credit amount will be remitted to the account corresponding to the requested credit account.

In step S7 following step S3, S4 or S5, once the processing unit decides not to grant the exchange transaction request, the processing unit 11 generates and transmits a transaction rejection notification of the exchange transaction request to the exchange transaction request. Terminal 5 is used, and the foreign exchange transaction management method of this embodiment ends. Among them, the transaction rejection notice may, for example, indicate in text the reason why the currency exchange transaction request was rejected for the reference of the user of the currency exchange terminal 5, such as "insufficient deposit balance" or "there is an inverse transaction with the same currency combination." ”, but it is not limited to this.

In step S8 following step S2, once the processing unit 11 determines that the designated delivery date of the exchange transaction request is a future date, the processing unit 11 determines whether the credit limit balance of the account information D is sufficient.

More specifically, the processing unit 11 determines whether the credit limit balance of the account information D is sufficient by comparing the credit limit balance with the requested deduction amount. If the credit limit balance is greater than or equal to the requested deduction amount, , the processing unit 11 determines that the credit line balance is sufficient; conversely, if the credit line balance is less than the requested deduction amount, the processing unit 11 determines that the credit line balance is insufficient. It should be added that in other implementation forms, if the specified delivery date of the exchange transaction request is a future date, the processing unit 11 may also determine the sum of the credit limit balance of the account information D and the deposit balance of the account. Whether it is sufficient, or whether the sum of the credit line balance and the account deposit balance of a specific proportion is sufficient, is not limited to this embodiment.

If the processing unit 11 determines that the credit limit balance of the account information D is sufficient, the process proceeds to step S9. On the other hand, if the processing unit 11 determines that the credit limit balance of the account information D is insufficient, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S12.

In step S9 following step S8, the processing unit 11 determines whether the exchange transaction request meets another reverse exchange condition (herein as a third reverse exchange condition).

More specifically, in this embodiment, the processing unit 11 determines whether the exchange transaction request meets the third reverse exchange condition, including querying whether there is a transaction in the historical exchange data of the account information D. Including a historical transaction date consistent with the requested transaction date, a historical debit currency consistent with the requested debit currency, and a reverse historical exchange of the historical credit currency consistent with the requested debit currency. Exchange records. Furthermore, the processing unit 11 determines whether the exchange transaction request meets the third reverse exchange condition by also querying the scheduled delivery data of the account information D to see whether there is a transaction that includes a transaction date that is consistent with the requested transaction date. The transaction date, a scheduled debit currency that is consistent with the requested debit currency, and a reverse scheduled delivery details that is consistent with the scheduled debit currency that is requested. If there is any reverse historical exchange record and reverse scheduled delivery details, the processing unit 11 determines that the exchange transaction request meets the third reverse exchange condition. On the contrary, if there is no reverse historical exchange, If the exchange record and the reverse scheduled delivery details are provided, the processing unit 11 determines that the exchange transaction request does not meet the third reverse exchange condition.

For example, assume that the requested transaction date, requested debit currency, and requested credit currency of the currency exchange transaction request are "2022/03/24", "New Taiwan Dollar", and "US Dollar" respectively, and the historical exchange transaction request There is also a historical exchange record in the exchange data with the historical transaction date, historical debit currency and historical credit currency being "2022/03/24", "USD" and "NTD" respectively, representing the customer in " "2022/03/24" A foreign exchange transaction of "converting US dollars to New Taiwan dollars" has been completed and delivered on that day, but the customer wants to conduct a reverse exchange of "converting New Taiwan dollars to US dollars" on the same trading day. Forex trading. In this case, the processing unit 11 will determine that the exchange transaction request meets the third reverse exchange condition.

As another example, assume that the requested transaction date, requested debit currency, and requested credit currency of the currency exchange transaction request are "2022/03/24", "New Taiwan Dollar", and "US Dollar" respectively, and the reservation There is another scheduled delivery detail in the delivery data with the transaction date, scheduled debit currency and scheduled credit currency being "2022/03/24", "USD" and "NTD" respectively, which represents the customer's "2022/03/24" date. 03/24" A completed foreign exchange transaction that will be delivered on a future date and is "convert U.S. dollars to New Taiwan dollars" has been completed on that day, but the customer wants to conduct a "convert New Taiwan dollars to U.S. dollars" on the same trading day. reverse currency exchange transaction. In this case, the processing unit 11 will also determine that the exchange transaction request meets the third reverse exchange condition.

If the processing unit 11 determines that the exchange transaction request does not meet the third reverse exchange condition, the process proceeds to step S10. On the other hand, if the processing unit 11 determines that the exchange transaction request meets the third reverse exchange condition, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S12.

In step S10 following step S9, the processing unit 11 determines whether the exchange transaction request meets another reverse exchange condition (herein as a fourth reverse exchange condition). More specifically, in this embodiment, the processing unit 11 determines whether the exchange transaction request meets the fourth reverse exchange condition by querying whether there is a transaction including a transaction in the scheduled delivery data of the account information D. A scheduled delivery date that is consistent with the designated delivery date, a scheduled debit currency that is consistent with the requested debit currency, and a reverse scheduled delivery details that is consistent with the scheduled debit currency that is requested. . If there are reverse scheduled delivery details, the processing unit 11 determines that the exchange transaction request meets the fourth reverse exchange condition; conversely, if there is no reverse scheduled delivery details, the processing unit 11 determines that the exchange transaction The request does not meet this fourth reverse exchange condition.

For example, assume that the specified delivery date, requested debit currency, and requested credit currency of the currency exchange transaction request are "2022/03/28", "New Taiwan Dollar", and "US Dollar" respectively, and the scheduled delivery There is also a scheduled delivery details in the data with the scheduled delivery date, scheduled debit currency and scheduled credit currency being "2022/03/28", "USD" and "NTD" respectively, which means that the customer already has an upcoming transaction. An exchange transaction that was delivered on "2022/03/28" and was "convert US dollars to New Taiwan Dollars", but the customer now wants to set up another transaction that is also delivered on "2022/03/28" and is "convert New Taiwan Dollars" A reverse exchange transaction into U.S. dollars. In this case, the processing unit 11 will determine that the exchange transaction request meets the fourth reverse exchange condition.

If the processing unit 11 determines that the exchange transaction request does not meet the fourth reverse exchange condition, the process proceeds to step S11. On the other hand, if the processing unit 11 determines that the exchange transaction request meets the fourth reverse exchange condition, the processing unit 11 does not grant the exchange transaction request, and the process proceeds to step S12.

In step S11 following step S10, when it is determined that the credit limit balance of the account information D is sufficient and neither the third reverse exchange condition nor the fourth reverse exchange condition is met, the processing unit 11 Grant the foreign exchange transaction request, and for example, generate a scheduled delivery detail corresponding to the foreign exchange transaction request based on the foreign exchange transaction request, and add the scheduled delivery details to the scheduled delivery information of the account information D, and then perform the designated delivery on Within the date, a currency exchange and delivery procedure for the user account is executed based on the scheduled delivery details, and a historical exchange record corresponding to the currency exchange and delivery procedure is added to the historical exchange data of the account information D, and this implementation The example of currency exchange transaction management method is completed. Among them, the exchange and delivery procedure includes, for example, deducting an amount denominated in the requested debit currency and matching the requested debit amount from the account corresponding to the requested debit account, and deducting an amount in the requested credit currency. The amount calculated and in line with the expected credit amount will be remitted to the account corresponding to the requested credit account.

In step S12 following step S8, S9 or S10, once the processing unit 11 does not approve the exchange transaction request, the processing unit 11 generates and transmits a transaction rejection notification of the exchange transaction request to the exchange transaction request. Terminal 5 is used, and the foreign exchange transaction management method of this embodiment ends. Among them, the transaction rejection notice indicates in text the reason why the exchange transaction request was rejected for the reference of the user of the exchange terminal 5, such as "insufficient credit balance" or "there is an inverse transaction with the same currency combination." ”, but it is not limited to this.

It is worth mentioning that by the processing unit 11 rejecting the exchange transaction request when determining that the exchange transaction request meets any one of the first reverse exchange condition to the fourth reverse exchange condition, The exchange transaction management system 1 of this embodiment can effectively prevent customers from speculating on the exchange rate of foreign exchange.

The above is an example of how the currency exchange transaction management system 1 of this embodiment implements the currency exchange transaction management method.

It should be understood that steps S1 to S12 of this embodiment and the flow chart in FIG. 2 are only used to illustrate one possible implementation of the currency exchange transaction management method. It should be understood that even if steps S1 to S12 are merged, split, or the sequence adjusted, if the process after the merger, split, or sequence adjustment achieves substantially the same effect in substantially the same way as compared with this embodiment, It still belongs to the implementable aspect of the currency exchange transaction management method. Therefore, steps S1 to S12 of this embodiment and the flow chart in FIG. 2 are not used to limit the implementable scope of the present invention.

In summary, by implementing the exchange transaction management method, the exchange transaction management system 1 can provide customers with further flexibility on the delivery date of online exchange transactions, and the specified delivery date of the exchange transaction request is in the future. If the date is specified, the exchange transaction management system 1 will decide whether to approve the exchange transaction request based on whether the credit limit balance of account information D is sufficient and whether the reverse exchange conditions are met, which can improve the customer's exchange flexibility. At the same time, the credit risk is managed and controlled, so the purpose of the present invention can indeed be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of this invention.

1············· Currency exchange transaction management system 11··········· Processing unit 12··········· Storage unit D············Account information 5·············Currency Exchange User Terminal S1~S12············ Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic block diagram illustrating an embodiment of the currency exchange transaction management system of the present invention, and a currency exchange user terminal suitable for cooperating with the embodiment; and FIG. 2 is a flow chart for illustrating how this embodiment implements a foreign exchange transaction management method.

1············· Currency exchange transaction management system 11··········· Processing unit 12··········· Storage unit D············Account information 5·············Currency Exchange User Terminal

Claims (8)

A currency exchange transaction management system, suitable for electrical connection to a currency exchange user end; the currency exchange transaction management system includes: a processing unit; and a storage unit, electrically connected to the processing unit, and stores an account corresponding to a user And includes account information of an account deposit balance and a credit line balance; wherein, the processing unit is used to: when receiving a foreign exchange transaction request from the foreign exchange user end, corresponding to the user account and including a specified delivery date When determining whether the designated delivery date is the current date or a future date after the current date, where the designated delivery date is set by the user using the currency exchange terminal; when determining that the designated delivery date is the current date, at least Determine whether to approve the foreign exchange transaction request based on whether the deposit balance in the account is sufficient; when it is determined that the designated delivery date is a future date, determine whether to approve the foreign exchange transaction request based on at least the sufficient balance of the credit line; and After the exchange transaction request is approved, the exchange delivery procedure for the user account is executed based on the exchange transaction request within the specified delivery date. The foreign exchange transaction management system as described in request item 1, wherein: the account information also includes a scheduled delivery information, and the scheduled delivery information Relevant to at least one completed exchange transaction that has been completed but has not yet been delivered; the exchange transaction request also includes a requested debit currency and a requested account currency; the processing unit also determines whether the exchange transaction request meets a The reverse exchange conditions are used to determine whether to approve the exchange transaction request, and the exchange transaction request is not allowed when it is determined that the exchange transaction request meets the reverse exchange conditions, wherein the reverse exchange conditions include the predetermined There is a transaction in the delivery data that includes a scheduled delivery date consistent with the specified delivery date, a scheduled debit currency consistent with the requested debit currency, and a scheduled debit currency consistent with the requested debit currency. Scheduled delivery details. The exchange transaction management system as described in request item 1, wherein: the account information also includes a historical exchange data, and the historical exchange data is related to at least one historical exchange transaction that has been completed; the exchange transaction request also includes It includes a requested transaction date indicating the current date, a requested debit currency and a requested account currency; the processing unit also determines whether to allow the exchange based on whether the exchange transaction request meets a reverse exchange condition. transaction request, and the exchange transaction request is not allowed when it is determined that the exchange transaction request meets the reverse exchange conditions, wherein the reverse exchange conditions include the existence of a transaction in the historical exchange data that is consistent with the request The historical transaction date of the transaction date, a historical debit currency that matches the requested debit currency, and a historical currency exchange record that matches the requested debit currency. The foreign exchange transaction management system as described in request item 1, wherein: the account information also includes a scheduled delivery information, and the scheduled delivery information Relevant to at least one completed exchange transaction that has been completed but has not yet been delivered; the exchange transaction request also includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency; the processing unit It also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and the exchange transaction request is not allowed when it is determined that the exchange transaction request meets the reverse exchange condition, in which , the reverse exchange condition includes the existence of a transaction in the scheduled delivery data that includes a transaction date consistent with the requested transaction date, a scheduled debit currency consistent with the requested accounting currency, and a scheduled debit currency consistent with the requested deduction. The scheduled delivery details of the scheduled entry currency of the payment currency. A currency exchange transaction management method is implemented by a currency exchange transaction management system suitable for electrical connection to a currency exchange user terminal. The currency exchange transaction management system stores account information corresponding to a user account, and the account information includes An account deposit balance and a credit limit balance; the currency exchange transaction management method includes: (A) when receiving a currency exchange transaction request from the currency exchange user, corresponding to the user account and including a specified delivery date, Determine whether the designated delivery date is the current date or a future date after the current date, where the designated delivery date is set by the user using the currency exchange terminal; (B) When determining that the designated delivery date is the current date, Determine whether to grant the foreign exchange transaction request at least based on whether the deposit balance in the account is sufficient; (C) When determining that the designated delivery date is a future date, at least based on Whether the balance of the credit limit is sufficient will determine whether to approve the exchange transaction request; and (D) after approving the exchange transaction request, execute a transaction on the user account based on the exchange transaction request within the designated delivery date. Currency exchange and delivery procedures. According to the foreign exchange transaction management method described in request item 5, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered; wherein: in step (A) , the exchange transaction request also includes a requested debit currency and a requested account currency; in step (C), the exchange transaction management system also determines whether the exchange transaction request meets a reverse exchange Conditions are used to determine whether to approve the exchange transaction request, and the exchange transaction request is not allowed when it is determined that the exchange transaction request meets the reverse exchange conditions, where the reverse exchange conditions include the existence of the scheduled delivery information. A transaction includes a scheduled delivery date consistent with the designated delivery date, a scheduled debit currency consistent with the requested debit currency, and a scheduled delivery details consistent with the scheduled debit currency consistent with the requested debit currency. . For the exchange transaction management method described in request item 5, the account information also includes a historical exchange data, and the historical exchange data is related to at least one historical exchange transaction that has been completed; wherein: in step (A) , the exchange transaction request also includes a requested transaction date indicating the current date, a requested debit currency and a requested credit currency; In step (B), the exchange transaction management system also determines whether to approve the exchange transaction request based on whether the exchange transaction request meets a reverse exchange condition, and determines that the exchange transaction request meets the reverse exchange condition. The exchange transaction request is not allowed under the exchange conditions, wherein the reverse exchange condition includes that the historical exchange data includes a historical transaction date that is consistent with the requested transaction date, and a currency that is consistent with the requested account. Different historical debit currencies, and a historical exchange record of the historical credit currency that matches the requested debit currency. According to the foreign exchange transaction management method described in request item 5, the account information also includes a scheduled delivery information, and the scheduled delivery information is related to at least one completed foreign exchange transaction that has been completed but has not yet been delivered; wherein: in step (A) In step (C), the exchange transaction management system also includes a requested transaction date indicating the current date, a requested debit currency, and a requested account currency; in step (C), the exchange transaction management system also includes a requested transaction date indicating the current date. The foreign exchange transaction request shall be determined based on whether the foreign exchange transaction request meets a reverse exchange condition, and the foreign exchange transaction request shall not be approved when it is determined that the foreign exchange transaction request meets the reverse exchange condition, in which the reverse exchange transaction request shall not be approved. The exchange conditions include the existence of a transaction date in the scheduled delivery data that is consistent with the requested transaction date, a scheduled debit currency that is consistent with the requested accounting currency, and a scheduled debit currency that is consistent with the requested debit currency. Scheduled delivery details of the scheduled entry currency.