TWM558427U - Foreign currency purchase system - Google Patents

Abstract

A foreign currency purchase system, including an electronic device and a first server. The electronic device transmits a name of the branch for receiving foreign currency, a date of receipt, a first currency, an exchange amount of the first currency, and a purchaser information to the first server. The first server calculates an equivalent amount of a second currency equivalent to the exchange amount according to the first currency and the exchange amount and transmits the equivalent amount of the second currency back to the electronic device. The electronic device selects a payment option according to the equivalent amount of the second currency to purchase the exchange amount of the first currency according to the equivalent amount of the second currency.

Description

Foreign currency purchase system

This new creation is about a foreign currency purchase system.

If the user (or customer) wants to use the pre-borrowed cash to purchase the foreign currency, he must apply for the cash advance password, calculate the amount of the Taiwanese currency required for the foreign exchange, withdraw the Taiwanese currency at the ATM, and then handwritten the receipt, and then hand it to the teller input. The cabinet system is used to complete the subsequent system and operation processing. However, the above process often consumes a lot of people's time, and it also takes a lot of time for the tellers to board.

This new creation provides a foreign currency purchase system that provides customers with online access to transaction data. In particular, since the customer has entered the transaction data online first, the bank staff only needs to check the identity and deliver the foreign currency, thereby saving the time for the bank staff to handle the operation and improving the efficiency of the operation.

The foreign currency purchase system created by the novel includes an electronic device and a first server. The electronic device obtains the name of the foreign currency branch, the date of receipt, the first currency, the exchange amount of the first currency, and the purchaser's information, and will receive the name of the foreign currency branch, the date of receipt, the first currency, the exchange amount of the first currency, and the purchaser's information. Transfer to the first server. The first server calculates an equivalent amount of the second currency equivalent to the exchange amount according to the first currency and the exchange amount, and returns the equivalent amount of the second currency to the electronic device. The electronic device selects a payment method according to the equivalent amount of the second currency to purchase the exchange amount of the first currency according to the equivalent amount of the second currency.

In an embodiment of the novel creation, wherein the payment method includes a credit card payment option, when the electronic device selects a credit card payment option, the first server calculates a credit card pre-borrowing cash handling fee, and based on the credit card pre-borrowing cash handling fee and The equivalent amount calculates the amount to be charged in the second currency, and transfers the credit card pre-borrowing cash handling fee and the amount to be charged to the electronic device.

In an embodiment of the novel creation, the system further includes a second server. The second server provides a credit card system. Wherein when the electronic device selects the credit card payment option and uses the credit card to pay the amount to be charged, the electronic device sends the transaction message to the credit card system. The credit card system queries the first identity card number corresponding to the credit card number in the credit card system according to the credit card number in the transaction message, and determines whether the first identity card number is the same as the second identity card number in the transaction message. When the first identity card number is the same as the second identity card number in the transaction message and the prepaid cash amount corresponding to the credit card is sufficient, the credit card system determines that the electronic device successfully uses the credit card to pay the amount.

In an embodiment of the novel creation, the payment method includes an online bank transfer option.

In an embodiment of the novel creation, the payment method includes an Automated Teller Machine (ATM) transfer option.

In an embodiment of the novel creation, the payment method includes an Automated Teller Machine (ATM) transfer option.

Based on the above, the foreign currency purchase and purchase system provided by the novel creation can provide customers with online input transaction data. In particular, since the customer has entered the transaction data online first, the bank staff only needs to check the identity and deliver the foreign currency, thereby saving the time for the bank staff to handle the operation and improving the efficiency of the operation.

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

Reference will now be made in detail to the exemplary embodiments of the embodiments herein In addition, wherever possible, the same reference numerals in the drawings

1 is a schematic diagram of a foreign currency purchase system according to an embodiment of the present invention.

Referring to FIG. 1 , the foreign currency purchase system 1000 includes an electronic device 100 , a first server 120 , and a second server 140 . The electronic device 100, the first server 120, and the second server 140 can communicate with each other through the network 10 by wire or wirelessly. In addition, both the first server 120 and the second server 140 may belong to the same bank (also referred to as a first bank), and both the first server 120 and the second server 140 may pass through the internal network 16 . Wired or wireless communication. In particular, the second server 140 can be used to provide a credit card system (not shown).

2A is a block diagram of an electronic device in accordance with an embodiment of the present invention.

Referring to FIG. 2A , the electronic device 100 includes a processing unit 20 , a display unit 22 , a communication unit 24 , and a storage unit 26 . The display unit 22, the communication unit 24, and the storage unit 26 are respectively coupled to the processing unit 20. The electronic device 100 is, for example, an electronic device such as a mobile phone, a tablet computer, or a notebook computer, and is not limited herein.

The processing unit 20 can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), programmable A controller, an Application Specific Integrated Circuit (ASIC) or other similar component or a combination of the above components.

The display unit 22 may provide a display device that displays a function in a display area of the electronic device 100. The display unit 22 can be a liquid crystal display (LCD), a light-emitting diode (LED), a field emission display (FED), or the like that provides a display function.

The communication unit 24 can support a global system for mobile communication (GSM), a personal handy-phone system (PHS), a code division multiple access (CDMA) system, and a wideband code. Wideband code division multiple access (WCDMA) system, long term evolution (LTE) system, worldwide interoperability for microwave access (WiMAX) system, wireless fidelity (Wi- Fi) System or Bluetooth signal transmission component.

The storage unit 26 can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory or the like. Or a combination of the above elements.

In the present exemplary embodiment, the storage unit 26 of the electronic device 100 stores a plurality of code segments, which are executed by the processing unit 20 after the code segments are installed. For example, the storage unit 26 includes a plurality of modules, and the modules are used to respectively perform the operations of the electronic device 100 in the foreign currency purchase system 1000, wherein each module is composed of one or more code segments. . However, the novel creation is not limited thereto, and each operation of the electronic device 100 may also be implemented by using other hardware forms.

2B is a block diagram of a server in accordance with an embodiment of the present invention. It should be noted that since the first server 120 and the second server 140 in FIG. 1 may have substantially similar components, the first server 120 and the second server are only described herein by the server 200. The components required by the server 140.

Referring to FIG. 2B, the server 200 of the embodiment includes a processing unit 30, a communication unit 32, and a storage unit 34. The communication unit 32 and the storage unit 34 are respectively coupled to the processing unit 30. The processing unit 30, the communication unit 32, and the storage unit 34 may be similar components to the processing unit 20, the communication unit 24, and the storage unit 26, respectively, and are not described herein.

In the present exemplary embodiment, the storage unit 34 of the server 200 stores a plurality of code segments, which are executed by the processing unit 30 after the code segments are installed. For example, the storage unit 34 includes a plurality of modules, and the modules 200 are respectively used to perform various operations in the foreign currency purchase system 1000, wherein each module is composed of one or more code segments. . However, the novel creation is not limited thereto, and each operation of the server 200 may also be implemented by using other hardware forms.

Referring to FIG. 1 again, in the exemplary embodiment, the user can connect the electronic device 100 to the website of the first bank or download an application provided by the first bank to execute the electronic device 100 to perform foreign currency purchase. The operation in system 1000.

In detail, FIG. 3A to FIG. 3C are schematic diagrams of a screen displayed by an electronic device according to an embodiment of the present invention.

Referring to FIG. 3A , the electronic device 100 can display the screen 300 , and the user can input (or select) a foreign currency branch name 50 and a collection date 52 through the electronic device 100 . Thereafter, the electronic device 100 can obtain the foreign currency branch name 50 and the date of receipt 52 that the user inputs (or selects). In addition, in option 54 of screen 300, the user can also choose whether to make a payment in NT or a foreign currency account. In the present exemplary embodiment, it is assumed that the user chooses to pay in NT. In addition, the electronic device 100 transmits the name of the foreign currency branch to be picked up and the date of receipt to the first server 120.

Next, referring to FIG. 3B, the electronic device 100 can display the screen 302. The electronic device 100 can receive the currency (also referred to as the first currency) that the user inputs to purchase (or purchase) and the exchange amount of the first currency. As shown in screen 302, the user can select the first currency (e.g., Canadian currency) via option 56. In addition, the user can input the denomination of the first currency to be purchased and the number of sheets corresponding to the denomination to generate an exchange amount. As shown in the screen 302, for example, the user can select the Canadian dollar with a denomination of 100 yuan using the electronic device 100, and select the number of Canadian dollars with a denomination of 100 yuan as two, whereby the electronic device 100 can obtain the Canadian currency. The exchange amount is 200 yuan.

In addition, the electronic device 100 may transmit the exchange amount of the first currency and the first currency to the first server 120, and the first server 120 calculates a second currency equivalent to the exchange amount according to the first currency and the exchange amount. The equivalent amount of (for example, the Taiwan dollar), and the equivalent amount of the second currency is returned to the electronic device 100 for display. As shown in the screen 302, when the user selects the exchange amount of the Canadian dollar 200 yuan, the electronic device 100 can display the NTD equivalent amount of 4,878 yuan equivalent to the Canadian dollar 200 yuan in the position 58 of the screen 302.

Next, referring to FIG. 3C , the electronic device 100 may display a screen 304 for the user to input the purchaser profile, and the electronic device 100 transmits the purchaser profile input by the user to the first server 120.

After completing the operations of FIG. 3A to FIG. 3C above, the electronic device 100 may select a payment method to purchase the exchange amount of the first currency according to the equivalent amount of the second currency.

In detail, FIG. 4A to FIG. 4D are schematic diagrams showing payment methods according to an embodiment of the present invention.

Referring to FIG. 4A, the user can use the electronic device 100 to select a payment method. In the exemplary embodiment of FIG. 4A, it is assumed that the payment method selected by the user is a credit card payment option. When the electronic device 100 selects the credit card payment option of FIG. 4A, the first server 120 calculates a credit card pre-borrowing cash handling fee, and the electronic device 100 can display the credit card pre-borrowing cash handling fee calculated by the first server 120. Position 60 of Figure 4A. In addition, the first server 120 calculates a receivable amount of the second currency according to the credit card pre-borrowing cash handling fee and the aforementioned equivalent amount of the second currency, and transmits the credit card pre-borrowing cash handling fee and the receivable amount. To the electronic device 100. In detail, as shown in FIG. 4A, it is assumed that the equivalent amount of the Taiwanese currency equivalent to the Canadian dollar of 200 yuan is 4,878 yuan, and when the credit card is used for payment, the first server 120 calculates the credit card prepayment cash handling fee of NT$296. Yuan, and add the aforementioned equivalent amount (ie, 4878 yuan) to the credit card pre-borrowing cash handling fee (ie, 296 yuan) to calculate the amount of the Taiwanese currency that should be charged to the user (ie, 5174 yuan). 4A is in position 62.

In addition, after the user confirms that the amount to be charged is correct, the user can use the credit card to pay the above-mentioned amount to be charged. For example, the user can input the credit card information through the electronic device 100, and the credit card information includes, for example, the credit card number and the user's identity card number. The electronic device 100 can send a transaction message to the credit card system based on the credit card information. In the present exemplary embodiment, the transaction message may be forwarded to the second server 140 via the first server 120. However, the novel creation is not limited thereto. In other embodiments, the transaction message may also be directly transmitted by the electronic device 100 to the second server 140.

After the second server 140 receives the transaction message, the credit card system of the second server 140 searches for the identity card number corresponding to the credit card number in the credit card system according to the credit card number input by the user in the transaction message (also, The first identity card number), and determine whether the first identity card number is the same as the identity card number (also known as the second identity card number) in the transaction message. When the first identity card number is the same as the second identity card number in the transaction message and a pre-borrowing cash amount corresponding to the credit card is sufficient, the credit card system of the second server 140 can debit the credit card data and determine the electronic device. 100 successfully used the credit card to pay the amount that should be charged.

In other embodiments, the user may also use other methods to pay the above-mentioned amount to be charged. Referring to FIG. 4B to FIG. 4D at the same time, the foregoing payment method may also include an online bank transfer option (as shown in FIG. 4B) and an Automated Teller Machine (ATM) transfer option (as shown in FIG. 4C). Show) and the Automated Teller Machine (ATM) transfer option (as shown in Figure 4D). However, payment methods such as bank transfer options, cash dispenser transfer options, and network cash dispenser transfer options can be known from the prior art and will not be described here.

After the user pays the above-mentioned receivable amount, the user can carry the identification document and receive the exchange amount of the first currency purchased according to the date of collection to the aforementioned foreign currency branch.

FIG. 5 is a flow chart of a method for applying to a foreign currency purchase and purchase system according to an embodiment of the present invention.

Referring to FIG. 5, in step S501, the electronic device 100 obtains the name of the foreign currency branch, the date of receipt, the first currency, the exchange amount of the first currency, and the purchaser's information, and receives the foreign currency branch name, the date of receipt, and the first currency. The exchange amount of the first currency and the purchaser data are transmitted to the first server 120. In step S503, the first server 120 calculates an equivalent amount of the second currency equivalent to the exchange amount according to the first currency and the exchange amount, and returns the equivalent amount of the second currency to the electronic device 100. Finally, in step S505, the electronic device 100 selects a payment method according to the equivalent amount of the second currency to purchase the exchange amount of the first currency according to the equivalent amount of the second currency.

In summary, the foreign currency purchase and purchase system provided by the novel creation can provide customers with online input transaction data. In particular, since the customer has entered the transaction data online first, the bank staff only needs to check the identity and deliver the foreign currency, thereby saving the time for the bank staff to handle the operation and improving the efficiency of the operation.

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.

1000‧‧‧ Foreign currency purchase system
100‧‧‧Electronic devices
120‧‧‧First server
140‧‧‧Second server
10‧‧‧Network
16‧‧‧Internal network
200‧‧‧Server
20, 30‧ ‧ processing unit
22‧‧‧Display unit
24, 32‧‧‧ communication unit
26, 34‧‧‧ storage unit
300, 302, 304‧‧‧ screen
50‧‧‧Receive the name of the foreign currency branch
52‧‧‧ Date of receipt
54, 56‧‧‧ options
58, 60, 62‧‧‧ Position Step S501‧‧‧ The electronic device obtains the name of the foreign currency branch, the date of collection, the first currency, the exchange amount of the first currency, and the purchaser's information, and will receive the name of the foreign currency branch, the date of receipt, The first currency, the exchange amount of the first currency, and the step of transmitting the purchaser data to the first server. Step S503‧‧ The first server calculates the second currency equivalent to the exchange amount based on the first currency and the exchange amount The value of the value, and the step of returning the equivalent amount of the second currency to the electronic device. Step S505‧‧‧ The electronic device selects a payment method according to the equivalent amount of the second currency to purchase the first amount according to the equivalent amount of the second currency Steps to convert the amount of a currency

1 is a schematic diagram of a foreign currency purchase system according to an embodiment of the present invention. 2A is a block diagram of an electronic device in accordance with an embodiment of the present invention. 2B is a block diagram of a server in accordance with an embodiment of the present invention. 3A-3C are schematic diagrams showing a screen displayed by an electronic device according to an embodiment of the present invention. 4A-4D are schematic diagrams showing payment methods according to an embodiment of the present invention. FIG. 5 is a flow chart of a method for applying to a foreign currency purchase and purchase system according to an embodiment of the present invention.

Claims (6)

A foreign currency purchase system includes: an electronic device; a first server, wherein the electronic device obtains a foreign currency branch name, a date of receipt, a first currency, an exchange amount of the first currency, and a purchaser Data, and transmitting the name of the foreign currency branch, the date of receipt, the first currency, the exchange amount of the first currency, and the purchaser data to the first server, the first server according to the first currency And calculating, by the exchange amount, an equivalent amount of a second currency equivalent to the exchange amount, and transmitting the equivalent amount of the second currency to the electronic device, and the electronic device according to the second currency The equivalent amount selects a payment method to purchase the exchange amount of the first currency based on the equivalent amount of the second currency. The foreign currency purchase system of claim 1, wherein the payment method comprises a credit card payment option, and when the electronic device selects the credit card payment option, the first server calculates a credit card pre-borrowing cash. The handling fee is calculated based on the credit card pre-borrowing cash handling fee and the equivalent amount, and the credit card pre-borrowing cash handling fee and the receivable amount are transmitted to the electronic device. The foreign currency purchase system of claim 2, further comprising: a second server, providing a credit card system, wherein when the electronic device selects the credit card payment option and uses a credit card to pay the receivable amount The electronic device sends a transaction message to the credit card system, and the credit card system queries a first identity card number corresponding to the credit card number in the credit card system according to a credit card number in the transaction message, and determines the first identity. Whether the proof number is the same as a second identity card number in the transaction message, and when the first identity card number is the same as the second identity card number in the transaction message and a pre-borrowing cash amount corresponding to the credit card is sufficient At the time, the credit card system determines that the electronic device successfully uses the credit card to pay the amount to be charged. For example, the foreign currency purchase system described in claim 1 of the patent scope, wherein the payment method includes an online bank transfer option. For example, in the foreign currency purchase system described in claim 1, wherein the payment method includes an Automated Teller Machine (ATM) transfer option. The foreign currency purchase system according to claim 1, wherein the payment method comprises an Automated Teller Machine (ATM) transfer option.