TWM650356U - Cross-border remittance system - Google Patents

Abstract

This creation provides a cross-border remittance system, including a management and control unit, a cross-border remittance server and a database. The cross-border remittance server receives the registration determination request and determines whether the customer has completed registration by checking whether the database stores a customer's personal information. The cross-border remittance server receives the real-time transaction request and conducts transaction information verification and exchange rate inquiry to obtain the transaction amount. The cross-border remittance server receives the confirmation request, indicating that the customer agrees to conduct the transaction with the transaction amount. The cross-border remittance server initiates the exchange operation and sends a cross-border remittance request to the international organization server based on the real-time transaction request.

Description

Cross-border remittance system

This creation is about a cross-border remittance system.

If customers of banks or financial institutions need cross-border remittances, they generally need to apply for or execute transactions through banking channels. However, the cross-border remittance services provided by most banks face many limitations. For example, you need to go to a branch to apply/set up at the counter, and the transaction status cannot be tracked. Therefore, if customers have urgent financial needs or do not have a bank account that can meet relevant cross-border remittance services, they will not be able to conduct cross-border remittances.

In view of the problems in the previous technology, this invention provides a cross-border remittance system, including: a control unit for data verification and encryption; a cross-border remittance server connected to the control unit; and a database connected to the cross-border remittance Remittance server; wherein: the cross-border remittance server receives a registration determination request from a cooperative merchant server transmitted through the control unit, and determines by checking whether the database stores a customer's personal information. Whether the customer has completed registration; the cross-border remittance server receives a real-time transaction request from the cooperative merchant server sent through the control unit, and conducts transaction information verification and exchange rate query based on the real-time transaction request to obtain A transaction amount; the cross-border remittance server receives a confirmation request from the cooperative merchant server sent through the control unit, indicating that the customer agrees to conduct the transaction with the transaction amount, and the cross-border remittance server initiates an exchange remittance operation, and sends a cross-border remittance request to an international organization server based on the real-time transaction request.

According to some specific embodiments of this invention, the exchange rate query includes querying a currency exchange host for the exchange rate of Taiwan dollars to US dollars.

According to some specific embodiments of this invention, the exchange rate query includes querying the international organization server for the exchange rate of one U.S. dollar to the local currency.

According to some specific embodiments of the present invention, the currency exchange operation includes transmitting a currency exchange request to a currency exchange host to perform a transaction of converting Taiwan dollars to US dollars.

According to some specific embodiments of the present invention, the currency exchange operation includes confirming with a money laundering prevention check host whether the real-time transaction request involves a blacklist.

According to some specific embodiments of this invention, the cross-border remittance system further includes a currency exchange host as described above, which is connected to the cross-border remittance server.

According to some specific embodiments of this invention, the cross-border remittance system further includes the above-mentioned money laundering prevention and verification host, which is connected to the cross-border remittance server.

According to some specific embodiments of this invention, the management and control unit adopts SSL verification.

According to some specific embodiments of this invention, the management and control unit uses JWE to encrypt data.

According to some specific embodiments of this invention, the personal information includes an ID card number.

Other purposes and advantages of the present invention are partly described in the following description, or may be understood through embodiments of the present invention. It should be understood that the foregoing creative content and the following implementation methods are only illustrative and explanatory descriptions, and do not limit the creative content as in the scope of the patent application.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this work belongs.

The words "one" and "B" used in this article, unless otherwise specified, refer to the quantity of at least one (one or more than one).

This creation system provides a cross-border remittance system, including: A control unit for data verification and encryption; A cross-border remittance server connected to the control unit; and A database connected to the cross-border remittance server; in: The cross-border remittance server receives a registration determination request from a cooperative merchant server sent through the control unit, and determines whether the customer has completed registration by checking whether the database stores a customer's personal information. ; The cross-border remittance server receives a real-time transaction request from the cooperative merchant server transmitted through the control unit, and performs transaction information verification and exchange rate inquiry based on the real-time transaction request to obtain a transaction amount; and The cross-border remittance server receives a confirmation request from the cooperative merchant server sent through the control unit, indicating that the customer agrees to conduct the transaction with the transaction amount, the cross-border remittance server initiates a currency exchange operation, and A cross-border remittance request is sent to an international organization server based on the real-time transaction request.

The control unit, cross-border remittance server and database may independently include a storage device, a processor and/or a communication chip. Examples of storage devices include hard drives, pen drives, memories, memory cards, etc. Examples of processors include integrated circuits such as microcontroller units, microprocessors, digital signal processors, application specific integrated circuits (ASICs), logic circuits, or other similar components or combinations thereof. Communication chips can be implemented as Long Term Evolution (LTE), Worldwide Interoperability for Microwave Access (WiMAX), Wireless Fidelity (Wi-Fi), Bluetooth transmission, Global Mobile Communications (GSM) or Personal Handheld Phone System (PHS) )wait. Alternatively, the management and control unit is implemented in the form of an application programming interface.

The "connection" mentioned in this article includes but is not limited to electrical connection, signal connection and/or communication connection.

The cooperative merchant server is operated or owned by a cooperative merchant with a bank or financial institution. Examples of the cooperative merchant include electronic payment providers.

The international organization server is operated or owned by an international organization. Examples of the international organization include VISA and Mastercard.

The process for customers to apply for cross-border remittance services from banks or financial institutions for the first time through the partner merchant's platform may include: (1) Log in to the partner merchant's platform; (2) Choose to apply for cross-border remittance services; (3) Customers agree to the instructions for use; (4 ) Select the customer identity (whether it is a customer of a bank or financial institution); (5) the customer fills in and confirms the customer information required for registration; (6) submits the application for review; and (7) receives notification of the review results.

The process for customers to conduct cross-border remittance through the partner merchant's platform may include the following steps: (1) Log in to the partner merchant's platform; (2) Select to perform cross-border remittance services; (3) Customer agrees to the instructions for use; (4) Customer fills in and confirms Information required for the transaction; (5) sending the transaction; and (6) receiving notification of the transaction results.

After the customer chooses to perform the cross-border remittance service, the cooperative merchant server sends a registration determination request to the cross-border remittance server through the management and control unit. The cross-border remittance server checks whether the customer's personal information (for example, ID card number) is stored in the database. ) to determine whether the customer has completed registration.

If the registration has been completed, proceed to steps (3) and (4) as above. The cooperative merchant server sends a real-time transaction request to the cross-border remittance server through the management and control unit, and the cross-border remittance server will conduct transactions based on the real-time transaction request. Information verification and exchange rate inquiry to obtain the transaction amount. In one example, the transaction amount includes exchange rate and handling fee amount. The exchange rate query may include querying the exchange rate of Taiwan dollars to U.S. dollars from the currency exchange host, and querying the local currency exchange rate of U.S. dollars to U.S. dollars (cross-border remittance) from the international organization server.

Then, the cross-border remittance server returns the transaction amount, and the cooperative merchant server will confirm whether the quota limit is met. If so, the customer will be asked to confirm whether to agree to the transaction information. After the customer agrees and the cooperative merchant server completes the deduction (Taiwan dollars), the cooperative merchant server sends a confirmation request to the cross-border remittance server through the management and control unit, indicating that the customer agrees to conduct the transaction with the transaction amount.

Subsequently, the cross-border remittance server initiates a currency exchange operation, which may include: sending a currency exchange request to the currency exchange host to conduct a Taiwan dollar exchange to U.S. dollar transaction; and confirming with the money laundering prevention verification host whether the real-time transaction request involves money laundering prevention. blacklist. At this time, the cross-border remittance server can reconfirm the exchange rate with the international organization server and further confirm whether the exchange difference is too large (for example, more than 5%).

After confirmation, the cross-border remittance server initiates a transaction (sends a cross-border remittance request) to the international organization server based on the real-time transaction request. The international organization server will return the transaction result information, and the cross-border remittance server will send the transaction result information to the cooperative merchant server, and the cooperative merchant server will provide it to the client.

The data transmission between the cross-border remittance server of the bank or financial institution's cross-border remittance system and the server of the cooperative merchant is controlled by an intermediary platform (control unit). In one example, the management and control unit uses two-way secure sockets layer (SSL) authentication at the communication level to ensure the security of message transmission, and at the application level, JWE (JSON web encryption) data encryption is used to ensure the security of the transmitted content. .

A specific embodiment of the cross-border remittance system of this invention will now be described with reference to Figure 1 as follows.

The cross-border remittance system 100 includes a management and control unit 110, a cross-border remittance server 120 and a database 130. The cross-border remittance server 120 is connected to the management and control unit 110, and the database 130 is connected to the cross-border remittance server 120. The management and control unit 110 is configured for data verification and encryption. In addition, the cross-border remittance system 100 is communicated with the cooperative merchant server 200 and the international organization server 300 respectively (for example, via the Internet).

The cross-border remittance server 120 receives the registration determination request from the cooperative merchant server 200 sent through the management and control unit 110. The cross-border remittance server 120 determines whether the customer's personal information is stored in the database 130. Whether the customer has completed registration.

Then, the cross-border remittance server 120 can receive the real-time transaction request from the cooperative merchant server 200 transmitted through the management and control unit 110. The cross-border remittance server 120 will perform transaction information verification and exchange rate inquiry based on the real-time transaction request. Get the transaction amount.

Finally, the cross-border remittance server 120 receives a confirmation request from the cooperative merchant server 200 sent through the management and control unit 110, indicating that the customer agrees to conduct the transaction with the transaction amount, and the cross-border remittance server 120 will initiate the exchange accordingly. The operation is performed, and a cross-border remittance request is sent to the international organization server 300 based on the real-time transaction request.

100: Cross-border remittance system 110: Management and control unit 120: Cross-border remittance server 130:Database 200:Cooperating merchant server 300: International organization server

Figure 1 is a structural diagram of the cross-border remittance system of this creation.

100: Cross-border remittance system

110: Management and control unit

120: Cross-border remittance server

130:Database

200:Cooperating merchant server

300: International organization server

Claims (10)

A cross-border remittance system that includes: A control unit for data verification and encryption; A cross-border remittance server connected to the control unit; and A database connected to the cross-border remittance server; Among them: the cross-border remittance server receives a registration determination request from a cooperative merchant server sent through the control unit, and determines whether the customer has registered by checking whether the database stores personal information of a customer Complete the registration; the cross-border remittance server receives a real-time transaction request from the cooperative merchant server transmitted through the control unit, and performs transaction information verification and exchange rate query based on the real-time transaction request to obtain a transaction amount; The cross-border remittance server receives a confirmation request from the cooperative merchant server sent through the control unit, indicating that the customer agrees to conduct the transaction with the transaction amount, the cross-border remittance server initiates a currency exchange operation, and A cross-border remittance request is sent to an international organization server based on the real-time transaction request. The cross-border remittance system as described in claim 1, wherein the exchange rate query includes querying a currency exchange host for the exchange rate of Taiwan dollars to US dollars. The cross-border remittance system as described in claim 1, wherein the exchange rate query includes querying the international organization server for the exchange rate of one U.S. dollar to the local currency. The cross-border remittance system as described in claim 1, wherein the currency exchange operation includes transmitting a currency exchange request to a currency exchange host to conduct a transaction of converting Taiwan dollars to US dollars. The cross-border remittance system as described in claim 1, wherein the currency exchange operation includes confirming with a money laundering prevention check host whether the real-time transaction request involves a blacklist. The cross-border remittance system described in claim 1 further includes a currency exchange host connected to the cross-border remittance server. The cross-border remittance system described in claim 1 further includes a money laundering prevention check host connected to the cross-border remittance server. The cross-border remittance system as described in request item 1, wherein the control unit adopts SSL verification. The cross-border remittance system as described in request item 1, wherein the control unit uses JWE to encrypt data. The cross-border remittance system as described in request 1, wherein the personal information includes an identity card number.

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