TWM631250U - Foreign exchange transaction management system - Google Patents

Abstract

A foreign exchange transaction management system, which stores account information corresponding to a user account, and is used for: when receiving a foreign exchange transaction request from a foreign exchange user, corresponding to the user account and including a specified delivery date , to determine whether the specified delivery date is the current date or a future date. If it is the current date, at least according to whether the account deposit balance of the account information is sufficient to decide whether to approve the exchange transaction request, if it is a future date, at least according to the account information. Whether the balance of the credit line is sufficient to decide whether to approve the foreign exchange transaction request, and, after approving the foreign exchange transaction request, execute a pair of foreign exchange transactions for the user's account according to the foreign exchange transaction request within the specified delivery date. delivery procedure.

Description

foreign exchange transaction management system

The present invention relates to a management system, in particular to a foreign exchange transaction management system for managing foreign exchange transactions.

In the 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 the flexibility of customer exchange and managing credit risk has become an important issue. An issue worth discussing.

Therefore, the purpose of the present invention is to provide a foreign exchange transaction management system which is helpful to achieve the above purpose.

The novel foreign exchange transaction management system is suitable for being electrically connected to a foreign exchange user; the foreign 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 deposit balance and a credit line balance. The processing unit is used for: when receiving a foreign exchange transaction request from the exchange user, corresponding to the user account and including a specified delivery date, determine whether the specified delivery date is the current date or the future after the current date. date; when it is determined that the specified delivery date is the current date, at least whether the account deposit balance is sufficient to decide whether to approve the exchange transaction request; when it is determined that the specified delivery date is a future date, at least according to the sufficient balance of the credit line determine whether to approve the exchange transaction request; after approving the exchange transaction request, execute a pair of exchange delivery procedures corresponding to the user account according to the exchange transaction request within the specified delivery date.

In some implementation aspects of the novel foreign exchange transaction management system, the account information further includes scheduled delivery data, and the scheduled delivery data is related to at least one completed exchange transaction that has been executed but not yet settled. The exchange transaction request further includes a requested debit currency and a requested credit currency. The processing unit also determines whether to approve the foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition request, wherein the reverse exchange condition includes that there is a scheduled delivery date in the scheduled delivery data that includes a scheduled delivery date that matches the specified delivery date, a scheduled debit currency that matches the requested debit currency, and a matching Scheduled delivery details of the scheduled credit currency in the requested debit currency.

In some implementation aspects of the novel foreign exchange transaction management system, the account information further includes historical exchange data, and the historical exchange data is related to at least one historical exchange transaction that has been delivered. The exchange transaction request further 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 foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition A request, wherein the reverse exchange condition includes that there is a historical transaction date in the historical exchange data including a historical transaction date corresponding to the requested transaction date, a historical debit currency corresponding to the requested debit currency, and a The historical exchange record of the historical entry currency corresponding to the requested debit currency.

In some implementation aspects of the novel foreign exchange transaction management system, the account information further includes scheduled delivery data, and the scheduled delivery data is related to at least one completed exchange transaction that has been executed but not yet settled. The exchange transaction request further 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 foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition A request, wherein the reverse exchange conditions include that there is a transaction date in the scheduled delivery data that includes a transaction date that matches the requested transaction date, a scheduled debit currency that matches the requested debit currency, and a transaction that matches the requested debit currency. Scheduled delivery details of the scheduled credit currency of the requested debit currency.

The effect of this new model is that the foreign exchange transaction management system can provide customers with further flexibility on the delivery date of online foreign exchange transactions, and, in the case where the specified delivery date of the foreign exchange transaction request is a future date, the foreign exchange transaction management system The system will decide whether to approve the foreign exchange transaction request according to whether the balance of the credit line in the account information is sufficient, and it can achieve the control of credit risk while improving the customer's exchange flexibility, so it can indeed achieve the purpose of this new model.

Before the present invention is described in detail, it should be noted: if not specifically defined, the "electrical connection" described in this patent specification generally refers to the "wired connection" between multiple electronic devices/devices/elements connected to each other through conductive materials. electrical connection” and “radio connection” for one-way/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 directly connecting multiple electronic devices/devices/components to each other, as well as the connection between multiple electronic devices/devices/components. The “indirect electrical connection” is formed by the indirect connection between other electronic equipment/devices/elements.

Referring to FIG. 1, an embodiment of the new foreign exchange transaction management system 1 is suitable for a foreign exchange user terminal 5 to be electrically connected through a network, and communicate with the foreign exchange user terminal 5 through the network, whereby the exchange The foreign exchange transaction management system 1 enables a user holding the foreign exchange user terminal 5 to perform online foreign exchange operations by using the foreign exchange user terminal 5 connected to the foreign exchange transaction management system 1 . Wherein, the foreign exchange transaction management system 1 is managed by, for example, a financial institution (such as a bank). Can be a laptop or desktop computer. It should be added that although FIG. 1 only shows a single foreign exchange user terminal 5, in the practical application of this embodiment, the foreign exchange transaction management system 1 is used for a plurality of foreign exchange user terminals 5 to pass through. network electrical connection.

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

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

The account deposit balance represents the total amount of deposits in a certain currency (for example, New Taiwan dollar, US dollar or other currency) deposited by the customer in his financial account.

The balance of the credit line is the result of deducting the amount that the financial institution has lent to the customer from the upper limit amount that the financial institution can lend to the customer, that is, the remaining amount that the financial institution can lent 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 delivered, 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 debit amounts in the corresponding historical debit currency, and a pair of historical debits The historical posting amount in the posting currency. The historical transaction date represents the trading day of the corresponding historical foreign exchange transaction, that is, the date when the customer submits the corresponding transaction application, and the historical foreign exchange transaction is 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 credit 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 US dollars in the historical exchange transactions, the historical debit currency of the corresponding historical exchange records will indicate "New Taiwan Dollars", and the historical credit currency will be indicated as "New Taiwan Dollars". "USD" will be indicated.

The scheduled delivery information includes, for example, one or more scheduled delivery details, wherein each scheduled delivery detail is used to indicate a completed exchange transaction that has been executed but not yet delivered, and each scheduled delivery detail includes a transaction date, a scheduled delivery date Delivery date, a scheduled debit account number, a scheduled debit currency, a scheduled credit currency, a foreign exchange rate, a pair of scheduled debit amounts in the scheduled debit currency, and a pair of scheduled credit currencies other scheduled credit amounts. The transaction date represents the transaction date of the completed foreign exchange transaction, that is, the date when the customer submits the corresponding transaction application, and the completed foreign exchange transaction is confirmed to be completed. The predetermined debit currency is the currency that the customer sold to the financial institution in the corresponding completed foreign exchange transaction, and the predetermined credit currency is the currency that the customer sold to the financial institution in the corresponding completed foreign exchange transaction The currency purchased by the financial institution. For example, if the customer converts New Taiwan Dollars into US dollars in the completed foreign exchange transaction, the scheduled debit currency of the corresponding scheduled delivery details will indicate "New Taiwan Dollars", and the scheduled credit currency will be indicated as "New Taiwan Dollars". "USD" will be indicated. It should be added that if the client does not currently have any exchange transactions that have been completed but not yet delivered, 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 stores multiple pieces of account information D respectively corresponding to multiple user accounts. However, for the convenience of description, this embodiment only shows The single account information D shown in 1 describes the operation of the foreign exchange transaction management system 1 .

Referring to FIG. 1 and FIG. 2 at the same time, the following exemplarily describes in detail how the foreign exchange transaction management system 1 of the present embodiment implements a foreign exchange transaction management method.

First, in step S1, the processing unit 11 receives a foreign exchange transaction request from the foreign exchange user 5 corresponding to the user account. The exchange transaction request includes a requested transaction date indicating the current date, a requested debit currency, a requested credit currency, a requested debit amount in the requested debit currency, and a requested debit amount in the requested debit currency. The requested crediting currency is the estimated crediting amount of the pricing unit, a specified delivery date, a pair of requested debit account numbers in the requested debit currency, and a pair of requested credit account numbers in the requested credit currency. Wherein, the requested transaction date represents the date when the client operates the foreign exchange user terminal 5 to generate and transmit the foreign exchange transaction request, that is, the date when the client applies for the current exchange transaction. The requested debit currency represents the currency that the customer wants to sell to the financial institution in the current exchange transaction (for example: New Taiwan dollars), and the requested debit currency is the same as the account deposit balance of the account information D. Currency matches. On the other hand, the predetermined entry currency represents the currency (for example: USD) that the customer wants to buy from the financial institution in the current exchange transaction.

More specifically, the foreign exchange transaction request is, for example, generated by the foreign exchange user 5 under the condition of running an online foreign exchange service application issued by the financial institution according to the user's operation, wherein the online exchange The foreign exchange service application includes a foreign exchange details setting interface that can be displayed by the foreign exchange user terminal 5 , and the foreign exchange details setting interface is used for the user to set the requested debit currency on the foreign exchange user terminal 5 Type, the debit currency of the request, the debit amount of the request, the specified delivery date, the account number of the debit request and the account account of the request. In particular, in the application of this embodiment, the exchange details setting interface allows the user to freely select the current date, the next business day (ie T+1 day) or the next two business days (ie T+ 2) as the designated delivery date, and provide customers with further flexibility on the delivery date of online exchange to improve the customer's trading experience.

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

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

In step S3 following step S2, once the processing unit 11 determines that the specified delivery date of the exchange transaction request is the current date, the processing unit 11 determines whether the account deposit 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 debit amount, if the account deposit balance is greater than or equal to the requested debit amount. , the processing unit 11 determines that the account deposit balance is sufficient, otherwise, if the account deposit balance is less than the requested debit amount, the processing unit 11 determines that the account deposit balance is insufficient.

If the processing unit 11 determines that the account deposit balance of the account information D is sufficient, the flow 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 approve the foreign exchange transaction request, and the process proceeds to step S7.

In step S4 subsequent to step S3, the processing unit 11 determines whether the foreign exchange transaction request meets a reverse foreign exchange condition (herein referred to as a first reverse foreign exchange condition). More specifically, in this embodiment, the processing unit 11 determines whether the foreign exchange transaction request meets the first reverse foreign exchange condition by querying the historical exchange data of the account information D, whether there is a transaction Includes a historical transaction date that matches the requested transaction date, a historical debit currency that matches the requested debit currency, and a historical reverse historical exchange that matches the requested debit currency Exchange records. If there is a reverse historical exchange record, the processing unit 11 determines that the foreign exchange transaction request meets the first reverse exchange condition; otherwise, if there is no reverse historical exchange record, the processing unit 11 determines that the exchange The foreign exchange transaction request does not meet the first reverse foreign exchange conditions.

For example, suppose the requested transaction date, requested debit currency and requested credit currency of the exchange transaction request are "2022/03/24", "NTD" and "USD" respectively, and the historical exchange There is also a historical exchange record with historical transaction date, historical debit currency and historical credit currency in the foreign exchange data, which are "2022/03/24", "USD" and "NTD" respectively, which means that the customer is in " On March 24, 2022, there was already an exchange transaction of "exchange USD to TWD" and the settlement was completed, but the client wanted to perform a reverse exchange "exchange TWD to USD" 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 foreign exchange transaction request meets the first reverse foreign exchange condition, the processing unit 11 does not approve the foreign exchange transaction request, and the process proceeds to step S7.

In step S5 subsequent to step S4, the processing unit 11 determines whether the foreign exchange transaction request meets another reverse foreign exchange condition (herein referred to as a second reverse foreign exchange condition). More specifically, in this embodiment, the processing unit 11 determines whether the foreign exchange transaction request meets the second reverse foreign exchange condition by inquiring whether there is a transaction in the predetermined delivery data of the account information D that includes A settlement date that matches the requested transaction date, a scheduled debit currency that matches the requested debit currency, and a reverse scheduled delivery detail that matches the requested debit currency and the scheduled debit currency. If there are reverse scheduled delivery details, the processing unit 11 determines that the foreign exchange transaction request meets the second reverse foreign exchange condition; otherwise, if there is no reverse scheduled delivery details, the processing unit 11 determines that the foreign exchange transaction request The request does not meet the second reverse exchange condition.

For example, suppose the requested transaction date, requested debit currency and requested credit currency of the exchange transaction request are "2022/03/24", "NTD" and "USD" respectively, and the scheduled delivery In the data, there is another scheduled delivery details with the transaction date, scheduled debit currency and scheduled credit currency respectively "2022/03/24", "USD" and "NTD", which means that the customer is on "2022/03" /24" On the same day, a completed exchange transaction that will be delivered on a future date and is "exchange USD to TWD" has been completed, but the customer wants to make an "exchange TWD into USD" transaction 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 foreign exchange transaction request meets the second reverse foreign exchange condition, the processing unit 11 does not approve the foreign 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 the first reverse exchange condition and the second reverse exchange condition are not met, the processing unit Approve the foreign exchange transaction request, and, for example, execute a foreign exchange settlement procedure corresponding to the user's account in real time according to the foreign exchange transaction request, and add a corresponding exchange settlement in the historical exchange data of the account information D The historical exchange record of the program, and the exchange transaction management method of this embodiment ends. Wherein, the exchange settlement procedure includes, for example, deducting a sum denominated in the requested debit currency and in line with the requested debit amount from the account corresponding to the requested debit account, and deducting a sum in the requested debit currency Funds that are priced and meet the estimated credit amount are 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 foreign exchange transaction request, the processing unit 11 generates and transmits a transaction rejection notification corresponding to the foreign exchange transaction request to the foreign exchange transaction request The terminal 5 is used, and the foreign exchange transaction management method of this embodiment ends. The transaction rejection notification, for example, indicates the reason for the rejection of the exchange transaction request in text for the user of the exchange terminal 5 to refer to, such as "insufficient deposit balance" or "there is a transaction with the same currency combination and reverse. ”, but not limited to this.

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

More specifically, the processing unit 11 determines whether the credit line balance of the account information D is sufficient by comparing the credit line balance with the requested deduction amount, if the credit line balance is greater than or equal to the requested deduction amount. , the processing unit 11 determines that the credit line balance is sufficient, otherwise, 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 aspects, if the specified delivery date of the foreign exchange transaction request is a future date, the processing unit 11 may also determine the sum of the credit line balance of the account information D and the account deposit balance. Whether it is sufficient, or whether the sum of the balance of the credit line 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 line balance of the account information D is sufficient, the flow proceeds to step S9. On the other hand, if the processing unit 11 determines that the credit line balance of the account information D is insufficient, the processing unit 11 does not approve the foreign exchange transaction request, and the process proceeds to step S12.

In step S9 subsequent to step S8, the processing unit 11 determines whether the foreign exchange transaction request complies with yet another reverse foreign exchange condition (herein referred to as a third reverse foreign exchange condition).

To be more specific, in this embodiment, the way in which the processing unit 11 determines whether the foreign exchange transaction request meets the third reverse foreign exchange condition includes querying the historical exchange data of the account information D, whether there is a transaction Includes a historical transaction date that matches the requested transaction date, a historical debit currency that matches the requested debit currency, and a historical reverse historical exchange that matches the requested debit currency Exchange records. In addition, the processing unit 11 determines whether the foreign exchange transaction request complies with the third reverse foreign exchange condition, and further includes inquiring whether there is a transaction in the scheduled delivery data of the account information D that includes a transaction date that matches the requested transaction date. The transaction date, a scheduled debit currency that matches the requested debit currency, and a reverse scheduled delivery detail that matches the scheduled debit currency of the requested debit currency. If there is any one of the reverse historical exchange record and the reverse scheduled delivery details, the processing unit 11 determines that the foreign exchange transaction request meets the third reverse exchange condition, otherwise, if there is no reverse historical exchange If the foreign exchange record and the reverse scheduled delivery details are not met, the processing unit 11 determines that the foreign exchange transaction request does not meet the third reverse foreign exchange conditions.

For example, suppose the requested transaction date, requested debit currency and requested credit currency of the exchange transaction request are "2022/03/24", "NTD" and "USD" respectively, and the historical exchange There is also a historical exchange record with historical transaction date, historical debit currency and historical credit currency in the foreign exchange data, which are "2022/03/24", "USD" and "NTD" respectively, which means that the customer is in " On March 24, 2022, there was already an exchange transaction of "exchange USD to TWD" and the settlement was completed, but the client wanted to perform a reverse exchange of "exchange TWD to USD" within the same trading day foreign exchange transactions. In this case, the processing unit 11 will determine that the exchange transaction request meets the third reverse exchange condition.

For another example, suppose the requested transaction date, requested debit currency and requested credit currency of the exchange transaction request are "2022/03/24", "NTD" and "USD" respectively, and the reservation In the delivery data, there is another scheduled delivery detail with the transaction date, scheduled debit currency and scheduled credit currency respectively "2022/03/24", "USD" and "NTD", which means that the customer is in "2022/ 03/24" has already completed a foreign exchange transaction that will be delivered on a future date and is "exchange USD to NTD", but the customer wants to make a "exchange NTD to USD" on the same trading day reverse exchange transactions. In this case, the processing unit 11 will also determine that the foreign exchange transaction request meets the third reverse foreign exchange condition.

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

In step S10 subsequent to step S9, the processing unit 11 determines whether the foreign exchange transaction request complies with another reverse foreign exchange condition (herein referred to as a fourth reverse foreign exchange condition). More specifically, in this embodiment, the processing unit 11 determines whether the foreign exchange transaction request meets the fourth reverse foreign exchange condition by inquiring whether there is a transaction in the predetermined delivery data of the account information D that includes A scheduled delivery date that matches the specified delivery date, a scheduled debit currency that matches the requested billing currency, and a reverse scheduled delivery detail that matches the requested billing currency . If there are reverse scheduled delivery details, the processing unit 11 determines that the foreign exchange transaction request meets the fourth reverse foreign exchange condition; otherwise, if there is no reverse scheduled delivery details, the processing unit 11 determines that the foreign exchange transaction request The request does not meet the fourth reverse exchange condition.

For example, suppose the specified delivery date, requested debit currency and requested credit currency of the exchange transaction request are "2022/03/28", "NTD" and "USD" respectively, and the scheduled delivery is There is also a scheduled delivery date, scheduled debit currency and scheduled credit currency in the data, respectively "2022/03/28", "USD" and "NTD" scheduled delivery details, which means that the customer has an upcoming transaction. The completed foreign exchange transaction that was delivered on "2022/03/28" and was "exchange USD to NTD", but the client wanted to set a transaction that was also delivered on "2022/03/28" and was "exchange NTD" Convert to USD" reverse exchange transaction. In this case, the processing unit 11 will determine that the foreign exchange transaction request meets the fourth reverse foreign exchange condition.

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

In step S11 following step S10, when it is determined that the credit line balance of the account information D is sufficient and the third reverse exchange condition and the fourth reverse exchange condition are not met, the processing unit 11. Approve the foreign exchange transaction request, and, for example, generate a scheduled delivery detail corresponding to the foreign exchange transaction request according to the foreign exchange transaction request, and add the scheduled delivery detail to the scheduled delivery information of the account information D, and then execute the designated delivery. During the date, according to the scheduled delivery details, execute the exchange and delivery procedures for the corresponding user account, and add a historical exchange record corresponding to the exchange and delivery procedures in the historical exchange data of the account information D, and this implementation The exchange transaction management method of the example ends. Wherein, the exchange settlement procedure includes, for example, deducting a sum denominated in the requested debit currency and in line with the requested debit amount from the account corresponding to the requested debit account, and deducting a sum in the requested debit currency Funds that are priced and meet the estimated credit amount are 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 foreign exchange transaction request, the processing unit 11 generates and transmits a transaction rejection notification corresponding to the foreign exchange transaction request to the foreign exchange transaction request The terminal 5 is used, and the foreign exchange transaction management method of this embodiment ends. Wherein, the transaction rejection notification, for example, indicates the reason why the exchange transaction request is rejected in text for the user of the exchange terminal 5 to refer to, such as "insufficient credit balance" or "there is a transaction with the same currency combination and reverse ”, but not limited to this.

It is worth mentioning that the processing unit 11 rejects the foreign exchange transaction request when it is determined that the foreign exchange transaction request complies with any one of the first reverse foreign exchange condition to the fourth reverse foreign exchange condition, The foreign exchange transaction management system 1 of this embodiment can effectively prevent customers from hyping the foreign exchange rate.

The above is an example description of how the foreign exchange transaction management system 1 of the present embodiment implements the foreign exchange transaction management method.

It should be understood that, steps S1 to S12 in this embodiment and the flowchart in FIG. 2 are only one of the possible implementations for illustrating the method for managing foreign exchange transactions. It should be understood that, even if steps S1 to S12 are merged, split or sequence adjusted, if the process after the merge, split or sequence adjustment is substantially the same as the present embodiment to achieve substantially the same effect, It still belongs to the implementable aspect of the foreign exchange transaction management method. Therefore, the steps S1 to S12 of this embodiment and the flowchart of FIG. 2 are not intended to limit the implementable scope of the present invention.

In summary, by implementing the foreign exchange transaction management method, the foreign exchange transaction management system 1 can provide customers with further flexibility on the delivery date of online foreign exchange transactions, and the specified delivery date of the foreign exchange transaction request is in the future In the case of date, the foreign exchange transaction management system 1 will decide whether to approve the foreign exchange transaction request according to whether the balance of the credit line of the account information D is sufficient and whether the reverse exchange conditions are met, which can improve the flexibility of customer exchange. At the same time, it can achieve the control of credit risk, so it can indeed achieve the purpose of this new model.

However, the above are only examples of the present invention, which should not limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application for this new model and the contents of the patent specification are still within the scope of the present invention. within the scope of this new patent.

1: Foreign exchange transaction management system 11: Processing unit 12: Storage unit D: Account Information 5: Exchange users S1~S12: Steps

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

1: Foreign exchange transaction management system

11: Processing unit

12: Storage unit

D: Account Information

5: Exchange users

Claims (4)

A foreign exchange transaction management system, which is suitable for the electrical connection of a foreign exchange user terminal; the foreign exchange transaction management system includes: a processing unit; and a storage unit, electrically connected to the processing unit, and storing account information corresponding to a user account and including an account deposit balance and a credit line balance; Among them, the processing unit is used for: When receiving a foreign exchange transaction request from the exchange user, corresponding to the user account and including a specified delivery date, determine whether the specified delivery date is the current date or a future date after the current date; When determining that the designated delivery date is the current date, at least according to whether the account balance is sufficient or not to decide whether to approve the exchange transaction request; When determining that the specified delivery date is a future date, at least the credit line balance is sufficient to decide whether to approve the foreign exchange transaction request; and After approving the exchange transaction request, execute a pair of exchange settlement procedures corresponding to the user account according to the exchange transaction request within the specified delivery date. The foreign exchange transaction management system according to claim 1, wherein: The account information also includes a scheduled delivery information, the scheduled delivery information is related to at least one completed exchange transaction that has been executed but not yet delivered; The exchange transaction request further includes a requested debit currency and a requested credit currency; The processing unit also determines whether to approve the foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition request, wherein the reverse exchange condition includes that there is a scheduled delivery date in the scheduled delivery data that includes a scheduled delivery date that matches the specified delivery date, a scheduled debit currency that matches the requested debit currency, and a matching Scheduled delivery details of the scheduled credit currency in the requested debit currency. The foreign exchange transaction management system according to claim 1, wherein: The account information also includes a historical exchange data, the historical exchange data is related to at least one historical exchange transaction that has been delivered; The exchange transaction request further 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 foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition A request, wherein the reverse exchange condition includes that there is a historical transaction date in the historical exchange data including a historical transaction date corresponding to the requested transaction date, a historical debit currency corresponding to the requested debit currency, and a The historical exchange record of the historical entry currency corresponding to the requested debit currency. The foreign exchange transaction management system according to claim 1, wherein: The account information also includes a scheduled delivery information, the scheduled delivery information is related to at least one completed exchange transaction that has been executed but not yet delivered; The exchange transaction request further 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 foreign exchange transaction request according to whether the foreign exchange transaction request meets a reverse foreign exchange condition, and does not approve the foreign exchange transaction when it is determined that the foreign exchange transaction request meets the reverse foreign exchange condition A request, wherein the reverse exchange conditions include that there is a transaction date in the scheduled delivery data that includes a transaction date that matches the requested transaction date, a scheduled debit currency that matches the requested debit currency, and a transaction that matches the requested debit currency. Scheduled delivery details of the scheduled credit currency of the requested debit currency.

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