TWM554604U - Foreign currency financial trading system - Google Patents

Abstract

In order to improve the international exchange or handling fee cost of the foreign exchange denominated goods when the buyer/seller/user/consumer trades the foreign currency denominated goods, the creation provides a financial transaction foreign currency system, including: multiple transfer servo , at least one receiving server and cross-line clearing server, cross-line clearing server to connect all transfer servers and receiving servers, the receiving server is used to obtain account data and foreign currency denominated commodity data, and the transfer server is used to verify account data. And foreign currency denominated commodity data to generate a transaction result, the interbank clearing server transmits the account data and the foreign currency denominated commodity data to one of the transfer servers that accept the account data, and transmits the transaction result to the receiving server, at least one The proxy server connects to the receiving server to provide account data and foreign currency denominated commodity data, and the foreign currency denominated commodity data can be generated by the proxy server. This creation relies on intermediaries to integrate the information transmission channels between different banking institutions and non-bank institutions and banking institutions to complete the payment and payment operations or services of foreign currency-denominated commodities, transfer, withdrawal, balance inquiry, reconciliation details, etc. Reply to ensure the timeliness, integrity and security of the data.

Description

Financial transaction foreign currency system

This creation provides a financial transaction system, in particular a system involving foreign currency denominated commodity transactions across banks.

Foreign currency-denominated commodities are traded in foreign currencies and are available according to the nature, use or issuer of the goods. For example, life insurance companies provide foreign currency denominated annuity insurance, or long-term overseas fund demand foreign currency denominated insurance policies; securities dealers, banks Ticket finance companies and Chunghwa Post provide bonds for trading, including financial bonds involving foreign currency transactions, such as the Asian Development Bank, Central American Bank, and European Investment Bank, which are issued in Taiwan in US dollars, Japanese yen or New Taiwan dollars. Bonds, or foreign currency-denominated international bonds, listed on the Securities and Futures Trading Center of the Republic of China.

However, the current user, consumer or investor (hereinafter referred to as the buyer) has a lot of inconveniences when purchasing foreign currency denominated goods. Please refer to the first figure. The first figure is a flow chart when purchasing foreign currency denominated goods, in step S100. If the buyer wants to purchase a specific foreign currency denominated commodity, assuming that the entrusting institution is a life insurance company and the foreign currency denominated commodity is a foreign currency denominated annuity policy provided by the life insurance company, the buyer must go to the life insurance company to fill out the relevant form to purchase in step S102. If the buyer makes a purchase to another company that provides foreign currency denominated goods or a bank that provides the above-mentioned life insurance company account opening operation, the transaction will not be carried out as described in step S103. In addition to the above-mentioned inconvenience of the transaction place, the buyer still has to in step S104, whether the buyer's bank is the same as the bank that provides the above-mentioned life insurance company's payment and payment operation, and if the two banks are different, the buyer is as described in step S105. After the extra exchange or handling fee will be taken, the transaction is completed in step S106.

In summary, in order to improve the inconvenience of the current consumer to purchase foreign currency-denominated goods, and the handling fee of foreign currency remittance, the inventor of this creation devoted himself to research and provide a foreign currency system that overcomes the above-mentioned lack of financial transactions, and hopes to increase domestic and foreign currency-denominated commodities. Lively and convenient.

The purpose of this creation is to eliminate the international exchange or handling fee arising from cross-bank transfer between users, consumers or investors (hereinafter referred to as the buyer) and the seller's institution in the transaction process of foreign currency-denominated commodities.

Another purpose of this creation is to provide a more convenient place for foreign currency denominated goods to be traded by the buyer.

In order to meet the above objectives, the present invention provides a financial transaction foreign currency system, which includes at least one receiving server, a plurality of transfer servers, and a cross-bank clearing server, and the cross-line clearing server is connected with the receiving server and all the transfer servers, and is accepted. The server is configured to provide account data and foreign currency denominated commodity data to the inter-bank clearing server, and the inter-bank clearing server transmits the account data and the foreign currency denominated commodity data to the transfer server that accepts the account data, and the transfer server uses the account data according to the account data. And the foreign currency denominated commodity data generates and returns the cross-bank clearing server transaction result, and the inter-bank clearing server is further used to transmit the transaction result to the receiving server, at least one proxy server, and the proxy server connection receiving server for providing the account Data and foreign currency denominated commodity data, foreign currency denominated commodity data can be generated by the proxy server.

Preferably, the proxy server can be an automated teller machine or a processing system.

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

The above-mentioned financial transaction foreign currency system mainly transmits the message by setting up a relay inter-bank clearing server between the bank and the bank, thereby allowing the buyer and the seller to exempt the buyer and the seller from opening the account when the foreign currency denominated goods are traded. The cost of international exchange or handling fees incurred at the same time, and by adding a proxy server to allow non-banking institutions to provide foreign currency denominated goods as sellers, the proxy server can also be an ATM built by a banking institution, so this financial By trading foreign currency systems, buyers are able to complete foreign currency denominated goods transactions in a variety of locations.

First of all, please refer to the second figure. The second picture shows the architecture diagram of the financial transaction foreign currency system of this creation. Due to the variety of current foreign currency denominated goods, the buyer can be divided into users, consumers or investors according to the product aspect. For the sake of brevity, this embodiment is generally referred to as the buyer 20. The financial transaction foreign currency system is mainly divided into an acceptor 30, an inter-bank clearing server 40, and a transfer party 50. The acceptor 30 is divided into a proxy server 320 and a receiving server 310, and the transfer party 50 includes a plurality of transfer servers 510. The inter-bank clearing server 40 interfaces with the accepting server 310 and all of the transfer servers 510 to complete the transfer of payment instructions.

The receiving party 30 is a general term for performing foreign currency-denominated goods collection or payment, and the proxy server 320 is an electronic device with a connection function set up by an institution or enterprise that collects payment or service, and the proxy server 320 can be automatic. A teller machine or processing system, which provides the buyer 20 to select foreign currency denominated goods and input account data, the receiving server 310 is a system set up by the banking institution, provides a proxy server 320 connection to exchange messages, and can also provide the buyer 20 to select foreign currency denominated goods. Accept the account data.

The cross-bank clearing server 40, also known as the financial payment clearing system or the foreign currency payment settlement system, is aimed at Taiwan’s foreign or domestic regions, and the transaction activities associated with economic activities, especially the debt relationship between financial institutions. At the time of liquidation or settlement, an intermediary providing payment service, the inter-bank clearing server 40 can verify the identity of the receiving server 310, and transmit the message of the receiving server 310 to the transfer server 510, and the inter-bank clearing server 40 can also The message of the transfer server 510 is transmitted to the receiving server 310, thereby managing the transfer of funds in foreign currency or Taiwanese currency between different banking institutions, ensuring the timeliness, integrity and security of the data.

The transfer party 50 represents the general name of the transfer buyer 20 for the transfer transaction, and includes a plurality of transfer servers 510 that are connected to the inter-bank clearing server 40 to interactively transmit messages. It is worth mentioning that each transfer server 510 is a system that is set up by a different banking institution.

Based on the foregoing architecture, in the foreign currency-denominated commodity transaction, the buyer 20 desires to purchase the foreign currency-denominated commodity and the account data via the receiving server 310, the receiving server 310 generates the foreign currency-denominated commodity data, and transmits the foreign currency-denominated commodity data and the account data to Cross-line clearing server 40. The so-called account data refers to the bank account number or the financial card number. The financial card number refers to the message that the buyer 20 inserts the financial card into the chip reader and inputs the financial card password, and the chip reader performs verification.

After the inter-bank clearing server 40 obtains the account data and analyzes it, the transfer server 510 that accepts the account data of the buyer 20 can be selected from the plurality of transfer servers 510, and the account data and the foreign currency-denominated product data are transmitted for verification, and the buyer 20 is accepted. The account data transfer server 510 can generate the transaction result after verifying the security of the account data and the foreign currency denominated commodity data, and the transaction result can be a message for agreeing to the transfer of funds or a message that the transaction fails due to the incorrect account data, and the transaction result The inter-bank clearing server 40 should be returned by the transfer server 510 and the transaction result transmitted by the inter-bank clearing server 40 to the accepting server 310 to complete the transaction.

In addition to the foregoing description of the buyer 20 providing the account data and the selection of the foreign currency denominated goods, the buyer 20 may also select the foreign currency denominated goods and provide the account data directly to the proxy server 320, and the account data may be the bank account number or the financial card number. The so-called financial card number means that the buyer 20 inserts the financial card into the automatic teller machine or the chip reader and enters the financial card password for verification, and the ATM or the chip reader transmits the message. It should be noted that, first, the proxy server 320 generates corresponding foreign currency denominated merchandise data according to the foreign currency denominated merchandise selected by the buyer 20, and transmits the account data and the foreign currency denominated merchandise data to the receiving server 310 and the interbank clearing server 40. To the transfer server 510 that accepts the account data; secondly, the transaction result generated by the transfer server 510 is sequentially transmitted to the proxy server 320 via the inter-bank clearing server 40 and the receiving server 310 to complete the transaction.

In this way, by utilizing the characteristics of the cross-bank clearing server 40 across a plurality of banking institutions, it can be overcome that the banking institution that provides the buyer 20 account data is different from the banking institution that provides the proxy server 320, or because the buyer 20 account is provided. The international exchange or commission fee derived from the bank institution of the data and the banking institution that sets up the acceptance server 310 are not the same.

In order to better understand the financial transaction foreign currency system provided by this creation, the following is a description of the actual situation. First, please refer to the third figure and cooperate with the second picture. The third picture specifically describes the investor 20a Linyi Investment Company to purchase foreign currency denominated goods. However, it should not be restricted by credit companies. Other institutions such as securities firms, ticket finance companies, and Chunghwa Post may also substitute. The buyer 20 corresponds to the investor 20a, the proxy server 320 and the accepting server 310 respectively correspond to the investment company server 320a and the first bank server 310a, and the plurality of transfer servers 510 are divided into the first party that provides the investor 20a account management. The second bank server 510a is associated with other bank servers 510b that do not provide account management for the investor 20a.

In this example, the investment company provides an Exchange Trade Fund (ETF) for investors to invest in foreign currency 20a. At this time, the investment company asks the investor 20a to select the index stock type to be purchased on the relevant form. The fund, and providing account information such as a bank account number or a financial card number, and then the investment company transmits the account information and the funds of the index stock fund, etc. via the first bank server 310a to the inter-bank clearing server 40 via the investment company server 320a. The first bank server 310a only transmits the funds of the account information and the index stock fund to the inter-bank clearing server 40, and the inter-bank clearing server 40 parses the bank or the issuing bank that provides the investor 20a account information according to the account information. In this example, the second bank is processed by the investor 20a account data, so the interbank clearing server 40 transfers the account information and the funds of the index stock fund to the second bank server 510a instead of to other bank servers. 510b. The second bank server 510a verifies the account information and confirms whether the amount in the account is sufficient to pay the amount of the index stock fund, thereby generating the transaction result, the transaction result is successful or failed, and the reason for the failure may be incorrect account information or in the account. The amount is insufficient. Finally, the second bank server 510a returns the transaction result to the inter-bank clearing server 40, and sequentially transmits it to the investment company server 320a via the first bank server 310a to complete the transaction.

Please refer to the fourth figure for the second picture. The fourth picture shows that the banking institution can also accept the collection and payment services of foreign currency-denominated goods. Due to the variety of current foreign currency-denominated goods, the purchaser can be divided into users and consumption according to the product. For the sake of brevity, the present embodiment is generally referred to as the buyer 20. The buyer 20 corresponds to the buyer 20a', the proxy server 320 and the accepting server 310 respectively correspond to the automated teller machine 320a' and the first bank server 310a', and the plurality of transfer servers 510 are divided into the processing of the investor 20a' account data. The second bank server 510a' and other bank servers 510b' that do not provide buyer 20a' account management.

Specifically, the buyer 20a' may select the automated teller machine 320a' to purchase foreign currency denominated international bonds, or may choose to purchase from the first bank server 310a', and the automated teller machine 320a' may be interpreted as a subsystem of the first bank server 310a'. Distributed in a number of locations and synchronized to the first bank server 310a'.

When the buyer 20a' is purchased at the automated teller machine 320a', in addition to selecting the quantity or type of foreign currency denominated international bonds to be purchased, the buyer 20a' must still provide account information such as a bank account number or a financial card number. At this time, the automated teller machine 320a' The data of the corresponding foreign currency-denominated international bond is generated, and the account data is transmitted via the first bank server 310a' and the inter-bank clearing server 40. Then, the inter-bank clearing server 40 parses the second bank server 510a' according to the account information. This account information, and the data and account information of the foreign currency denominated international bonds are transmitted to the second bank server 510a' instead of to the other bank server 510b'. Finally, the second bank server 510a' verifies the data and account information of the foreign currency denominated international bond to obtain a transaction result representative of the success of the transaction, and returns it to the first bank server 310a' via the interbank clearing server 40.

Similarly, when the buyer 20a' selects the foreign currency denominated international bond and provides the account information directly to the first bank server 310a', the first bank server 310a' generates the corresponding foreign currency denominated international bond data and is combined with the account information. Transfer to the inter-bank clearing server 40, and then, the inter-bank clearing server 40 parses the second bank server 510a' to accept the account data according to the account information, and transmits the data and account data of the foreign currency-denominated international bond to the second bank server. 510a', instead of transmitting to other bank server 510b'. Finally, the second bank server 510a' verifies the data and account information of the foreign currency-denominated international bond to obtain the transaction result representing the success of the transaction, and returns it to the automatic via the inter-bank clearing server 40, the first bank server 310a' Teller machine 320a'.

Finally, with the fourth and fifth figures, the data transmission process of the foreign currency system using the financial transaction of this creation is explained. The fifth figure is a flow chart drawn with the fourth figure, describing the collection and payment service of the foreign currency denominated goods by the banking institution. .

First, as described in step S200, after the buyer 20a's cabinet or the automated teller machine 320a' provides the account data and selects the foreign currency-denominated item to be purchased, the automated teller machine 320a' obtains the account data and connects the data corresponding to the foreign currency-denominated item. A bank server 310a' transmits data of the account data and the foreign currency denominated goods to the first bank server 310a'.

Next, in step S202, the first bank server 310a' connects to the interbank clearing server 40 after acquiring the data of the account data and the foreign currency denominated goods, and transmits the data of the account data and the foreign currency denominated goods. It should be noted that after proceeding to step S204, the inter-bank clearing server 40 parses the obtained account data, and analyzes the bank that provides the buyer 20a' for account management. In this example, the bank sets up the second bank. The server 510a', so the inter-bank clearing server 40 transmits the data of the account data and the foreign currency-denominated goods to the second bank server 510a' instead of to the other bank server 510b'.

After obtaining the data of the account data and the foreign currency denominated goods, the second bank server 510a' finally proceeds to step S206, and the second bank server 510a' will generate a transaction result for the data of the account data and the foreign currency denominated goods, for example, : If the account data is wrong, the transaction result is a failure; if the account data is correct, the transaction result is successful. The resulting transaction result will be passed back to the interbank clearing server 40 for clearing, and the interbank clearing server 40 will still transmit the transaction result to the first bank server 310a', the automated teller machine 320a' to inform the buyer 20a' whether the transaction was successful.

With the financial transaction foreign currency system of this creation, it relies on the intermediary to integrate the information transmission channels between different banking institutions and non-bank institutions and banking institutions to complete the payment and payment operations or services of foreign currency-denominated commodities, transfer, cash withdrawal, Respond to the balance inquiry, reconciliation details, etc., to ensure the timeliness, completeness and security of the data, and to avoid the transaction of the ex-coin-denominated goods, because the bank is managed by the buyer, the buyer, the consumer or the investor. The high international exchange or handling fee generated by the institution at different times. In addition, by providing life insurance companies, investment companies or other institutions or ATMs to increase the regionality of transactions, it can help improve the domestic people’s trading of foreign currency-denominated commodities. Willingness and convenience.

20‧‧‧ Buyer
20a‧‧‧Investors
20a'‧‧‧ buyer
30‧‧‧Acceptor
310‧‧‧ Receiving server
310a‧‧‧First Bank Server
310a'‧‧‧First Bank Server
320‧‧‧Proxy server
320a‧‧‧Signal company server
320a'‧‧‧Automatic Teller Machine
40‧‧‧ Inter-bank clearing server
50‧‧‧Transfer
510‧‧‧Transfer Server
510a‧‧‧Second Bank Server
510a'‧‧‧Second Bank Server
510b‧‧‧Other bank servers
510b'‧‧‧Other bank servers

The first figure shows a flow chart when learning to trade foreign currency-denominated commodities.

The second figure shows the architecture of the financial transaction foreign currency system of this creation.

The third picture shows an example of this creation, an architecture diagram of the life insurance company's receipt and payment of foreign currency-denominated commodities.

The fourth picture shows an example of this creation, an architectural diagram of the foreign currency denominated goods received and received by the bank.

The fifth chart shows the flow chart of data transmission when the bank of the creation uses the foreign currency denominated goods.

20‧‧‧ Buyer

30‧‧‧Acceptor

310‧‧‧ Receiving server

320‧‧‧Proxy server

40‧‧‧ Inter-bank clearing server

50‧‧‧Transfer

510‧‧‧Transfer Server

Claims (4)

A financial transaction foreign currency system, comprising: a plurality of transfer server for generating a transaction result according to an account data and a foreign currency denominated commodity data; at least one receiving server for obtaining the account data and the foreign currency denominated commodity data a cross-bank clearing server, connecting the transfer server and the receiving server, for transmitting the account data and the foreign currency-denominated product data to one of the transfer servers for accepting the account data, and for transmitting The transaction result is sent to the receiving server; and at least one proxy server is connected to the receiving server for transmitting the account data and the foreign currency denominated commodity data to the receiving server. The financial transaction foreign currency system of claim 1, wherein the foreign currency denominated commodity data is generated by the proxy server. The financial transaction foreign currency system of claim 1, wherein the proxy server is an automated teller machine or a processing system. The financial transaction foreign currency system as claimed in claim 1, wherein the account data is a bank account number or a financial card number.