TWM547144U - Foreign currency withdrawal system - Google Patents

Abstract

A foreign currency withdrawal system is provided. A server receives a login operation of a user account from an electronic device at a first time point, obtains an identity identification code corresponding to the user account and receives a foreign currency amount and a cell phone number corresponding to the user account. The server calculates a charging amount corresponding to the foreign currency amount according to an exchange rate of the first time point. The server generates a first verification code corresponding to the identity identification code and transmits the first verification code to the cell phone number. An ATM obtains the identity identification code from the chip card and receives a second verification code. If the first verification code matches the second verification code, the ATM outputs foreign currency cashes corresponding to the foreign currency amount.

Description

Foreign currency withdrawal system

The novel creation is related to a foreign currency withdrawal system, and in particular to a foreign currency withdrawal system capable of purchasing foreign currency cash for online purchase from a foreign currency ATM without being restricted by the bank branch business hours.

With the rise of electronic financial transaction services, banks have launched online payment functions for foreign currency notes and traveler's checks, allowing customers to purchase foreign currency notes or travellers' cheques on mobile devices through specific applications. However, after the customer completes the payment, the customer must collect the cash or traveler's cheque at the designated counter on the designated ticketing date, which causes the inconvenience of the customer to use the online settlement service.

In view of this, the new creation provides a foreign currency withdrawal system, allowing customers to purchase foreign currency cash or traveler's checks online, and can choose any foreign currency cash machine to purchase online foreign currency cash from the bank, increasing customer use. The convenience of online settlement services.

This novel creation proposes a novel foreign currency drawing system, including a server, an electronic device, and an automatic teller machine. The electronic device is coupled to the server. The ATM is coupled to the server. The server receives the login operation of the user account from the electronic device at the first time point, obtains the identity identifier of the corresponding user account, and receives the foreign currency amount and the mobile phone number corresponding to the user account. The server calculates the deduction amount corresponding to the foreign currency amount based on the exchange rate at the first time point. The server generates a first verification code corresponding to the identity identification code and transmits the first verification code to the mobile phone number. The ATM obtains the identity identification code from the chip card and receives the second verification code. If the first verification code is the same as the second verification code, the ATM outputs the foreign currency cash corresponding to the foreign currency amount.

In an embodiment of the present invention, the ATM obtains the identity identification code from the chip card at the second time point and receives the second verification code, and the exchange rate of the first time point is different from the second time point.

In an embodiment of the present invention, if the first verification code is the same as the second verification code, the server deducts the deduction amount from the foreign currency account corresponding to the user account.

In an embodiment of the present invention, the server obtains the foreign currency amount by receiving the number of pullouts corresponding to the plurality of denominations.

In an embodiment of the present invention, the identity identifier is an identity card number and the chip card is a chip financial card.

Based on the above, the new foreign currency withdrawal system can not only provide customers with online currency purchases or traveler's checks, but also does not have time limit to the bank's foreign currency ATMs to claim online foreign currency cash, and also allows The customer locks the foreign exchange rate at a specific point in time, and then uses the exchange rate to purchase the foreign currency cash from the foreign currency ATM at the other time after the online purchase of the foreign currency cash, thereby increasing the flexibility of the customer to purchase and withdraw the foreign currency.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

1 is a block diagram of a foreign currency derating system in accordance with an embodiment of the present invention.

Referring to FIG. 1 , the foreign currency drawing system 100 of the present invention may include a server 110 , an electronic device 120 , a mobile device 130 , and an automated teller machine 140 . The mobile device 120 can be coupled to the server 110 in a wireless manner. The electronic device 120 and the automated teller machine 130 are coupled to the server 110 in a wireless or wired manner. The electronic device 120 can be a smart phone, a tablet computer, a notebook computer, a personal computer, and the like. The mobile device 130 can be a smart phone, a tablet computer or the like having a mobile phone number. The electronic device 120 can execute an application to communicate with the server 110. The server 110 can transmit a message to the mobile device 130, and the mobile device can also execute an application to communicate with the server 110. The ATM 140 can receive input from the user and communicate with the server 110.

The server 110, the electronic device 120, the mobile device 130, and the automated teller machine 140 can all include a communication chip (not shown), a storage device (not shown), and a processor (not shown). .

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, and broadband code division. Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) The component of the system or Bluetooth signal transmission.

The storage device can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), solid state drive (SSD) or similar components or a combination of the above.

The processor can be a Central Processing Unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above.

2 is a flow chart of a method for applying to a foreign currency withdrawal system in accordance with an embodiment of the present invention.

Referring to FIG. 2, in step S201, the server 110 receives the login operation of the user account from the electronic device 120 at the first time point, obtains the identity identification code corresponding to the user account, and receives the foreign currency amount corresponding to the user account and cellphone number. Specifically, the user can use his user account to log in to the online banking and select the foreign currency function, and input the foreign currency amount to be deducted and the designated mobile phone number. After the user account logs in to the online banking, the server 110 can obtain the identity identifier (ie, the identity card number) corresponding to the user account from the user account. It is worth noting that the server 110 can also provide a variety of different foreign currencies for the user to select, for example, US Dollar, Euro, British Pound, Australian Dollar, Canadian Dollar, Japanese Yen, Renminbi, Hong Kong Dollar, Singapore Dollar, New Zealand Dollar, Thai Baht, Swiss francs, Korean baht, Philippine peso, Malaysian currency, Macau pataca, Vietnamese currency and other foreign currencies, and users can choose the number of withdrawals corresponding to multiple denominations to obtain the foreign currency amount.

In step S203, the server 110 calculates the deduction amount corresponding to the foreign currency amount based on the exchange rate at the first time point. Specifically, the server 110 can calculate the amount of the new Taiwan dollar corresponding to the amount of the foreign currency to be withdrawn according to the instantaneous exchange rate, as the deduction amount.

In step S205, the server 110 generates a first verification code corresponding to the identity identification code and transmits the first verification code to the mobile phone number. Specifically, the server 110 may generate a first verification code corresponding to the foreign currency withdrawal transaction, and transmit the first verification code as a short message to the mobile device 130 having the specified mobile phone number.

In step S207, the automated teller machine 140 obtains the identity identification code from the wafer card and receives the second verification code. For example, after the user receives the first verification code by using the mobile device 130, the user can insert the wafer card (ie, the chip financial card) into the ATM 140 and input the chip card password, and can click on the line. The settlement of the ticket collection service, and then inputting the verification code (ie, the second verification code) according to the content of the mobile device 130 newsletter. The automated teller machine 140 can be a foreign currency automated teller machine.

In step S209, if the first verification code is the same as the second verification code, the ATM 140 outputs the foreign currency cash corresponding to the foreign currency amount. Specifically, if the verification code input by the user is the same as the first verification code received by the mobile device 130 from the short message, the ATM 140 outputs the foreign currency cash corresponding to the foreign currency amount, and completes the withdrawal operation. If the user chooses to automatically debit the foreign currency account, the server 110 may re-confirm that the first verification code is the same as the second verification code, and then deduct the deduction amount from the foreign currency account corresponding to the user account.

In this way, when the user is not in the vicinity of the foreign currency ATM and knows that the current foreign exchange rate is low, the foreign currency withdrawal system 100 created by the new type can be used to first lock the interest rate of the foreign currency to be extracted online, and then At any time afterwards, the foreign currency ATM will be able to withdraw foreign currency to increase the convenience and flexibility of foreign currency withdrawal.

3A and 3B are flow diagrams of a method for applying to a foreign currency derating system in accordance with another embodiment of the present invention.

Referring to FIG. 3A and FIG. 3B, in step S301, the server 110 accepts the user's login and selects the foreign currency cash withdrawal function. Specifically, the server 110 can accept the member login of the bank customer or the general login of the non-bank customer, and provide the user with the payment method to be paid in NT or in a foreign currency account. When the user chooses to pay in NT, they can transfer money through online banking, mobile banking, ATM, Internet ATM, or through a credit card issued by the bank.

In step S303, the server 110 provides the user with the option to pick up the location as a branch or a foreign currency automated teller machine (ATM).

If the receiving location is a branch, in step S305, the server 110 provides the user to fill in the order to select the date of collection, the currency of the foreign currency or the traveler's check, the denomination, the number of sheets, the personal data, and the payment method.

If the receiving location is a foreign currency automatic teller machine, in step S307, the server 110 provides the user to fill out an order to select a foreign currency banknote currency, a denomination, a number of sheets, a personal data, and a payment method.

In step S309, the server 110 provides the user to confirm the order details to confirm whether the foreign currency amount details of the subscription or withdrawal are correct, and complete the transaction.

Next, in step S311, the server 110 determines from the user input whether or not payment is required.

If payment is required, in step S313, the server 110 instructs the user to transfer money by means of online banking, mobile banking, an automated teller machine, a network automatic teller machine, or a credit card issued by the Bank.

If payment is not required, in step S315, the server 110 judges the branch collection or the foreign currency automatic teller machine (ATM) to receive from the user input data.

If the collection location is a branch, in step S317, the user can collect foreign currency cash or traveler's cheque at the designated branch on the designated collection date.

If the receiving location is a foreign currency automatic teller machine, in step S319, the server 110 sends a short message verification code to the mobile device designated by the user.

After the user receives the short message verification code, in step S321, the user can insert the chip financial card into the foreign currency automatic teller machine and input a password to verify the user's identity card number, and then click on the online settlement and collection service and input and receive. Newsletter verification code. After the user confirms the purchase of the foreign currency cash details, the foreign currency automatic teller will take the opportunity to dispense the money and complete the withdrawal.

In summary, the new foreign currency withdrawal system created by the present invention can provide customers with the choice of receiving foreign currency at a branch or foreign currency ATM. When the customer chooses to receive foreign currency in the foreign currency ATM, it can not only provide the foreign currency cash that the customer purchases the foreign currency cash or traveler's check online, and is not subject to the time limit to the bank's foreign currency ATM to take the online purchase. The customer locks the foreign exchange rate at a specific point in time, and then uses the exchange rate to purchase the foreign currency cash from the foreign currency ATM at the other time after the online purchase of the foreign currency cash, thereby increasing the flexibility of the customer to purchase and withdraw the foreign currency.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

100‧‧‧ Foreign currency withdrawal system
110‧‧‧Server
120‧‧‧Electronic devices
130‧‧‧Mobile devices
140‧‧‧Automatic Teller Machine
S201, S203, S205, S207, S209‧‧‧ steps of the method applied to the foreign currency withdrawal system
S301, S303, S305, S307, S309, S311, S313, S315, S317, S319, S321‧‧‧ steps of the method applied to the foreign currency withdrawal system

1 is a block diagram of a foreign currency derating system in accordance with an embodiment of the present invention. 2 is a flow chart of a method for applying to a foreign currency withdrawal system in accordance with an embodiment of the present invention. 3A and 3B are flow diagrams of a method for applying to a foreign currency derating system in accordance with another embodiment of the present invention.

100‧‧‧ Foreign currency withdrawal system

110‧‧‧Server

120‧‧‧Electronic devices

130‧‧‧Mobile devices

140‧‧‧Automatic Teller Machine

Claims (5)

A foreign currency withdrawal system includes: a server; an electronic device coupled to the server; and an automated teller machine coupled to the server, wherein the server receives the electronic device at a first time point A login operation of a user account obtains a identification code corresponding to the user account, and receives a foreign currency amount corresponding to the user account and a mobile phone number, and the server calculates the exchange rate according to the first time point. The foreign currency amount corresponding to a deduction amount, the server generates a first verification code corresponding to the identity identification code and transmits the first verification code to the mobile phone number, and the automatic teller machine obtains the identity identification code from a wafer card and Receiving a second verification code, if the first verification code is the same as the second verification code, the ATM outputs the foreign currency cash corresponding to the foreign currency amount. The foreign currency withdrawal system of claim 1, wherein the automatic teller machine obtains the identity identification code from the wafer card at a second time point and receives the second verification code, and the first time point and the The exchange rate at the second time is different. The foreign currency drawing system of claim 1, wherein if the first verification code is the same as the second verification code, the server deducts the deduction amount from a foreign currency account corresponding to the user account. The foreign currency withdrawal system of claim 1, wherein the server obtains the foreign currency amount by receiving a number of withdrawals corresponding to the plurality of denominations. The foreign currency drawing system of claim 1, wherein the identity identifier is an identity card number, and the chip card is a chip financial card.