TW202145119A - Exchange settlement system and method thereof - Google Patents

Abstract

An exchange settlement system and method thereof are provided. A client apparatus connects to an online exchange settlement website provided by a financial server, generates a foreign currency exchange order through the online exchange settlement website, and stores the foreign currency exchange order to the financial server. The financial server generates a payment code based on the foreign currency exchange order and sends the payment code to the client apparatus. An electronic apparatus drives a scanning apparatus to scan the payment code displayed on the client apparatus, pays a specified amount from an account to the financial server, and sends a payment completion notification to the financial server. After the payment completion notification is received, the financial server performs a write-off operation for the foreign currency exchange order and sends an exchange notification message to a foreign currency withdrawal location.

Description

Online foreign exchange settlement system and method

The present invention relates to a foreign exchange settlement system and a method thereof, and in particular, to an online foreign exchange settlement system and a method thereof.

With the economic take-off, more and more people go abroad for tourism and business affairs. Therefore, exchanging foreign currency is a necessary preparation before departure. The traditional method of exchanging foreign currency requires going directly to the bank counter to exchange foreign currency cash. Of course, this method is the most time-consuming and labor-intensive. Not only do you have to make a special trip to the bank, fill in the application form and wait in line, some banks will also charge extra fees.

In the era of the rise of digital finance, some banks have introduced online foreign exchange settlement methods. Users can select the currency and denomination information on the online foreign exchange settlement system provided by each bank's website, and specify the date and branch for foreign currency withdrawal. After that, after completing the payment within the time limit, you can collect foreign currency at the designated branch on the designated date. The current payment methods include transferring funds through online banking or physical ATMs (Automated Teller Machines), or transferring funds from banks. Of course, the existing payment method is not convenient. Therefore, if a fast and convenient online foreign exchange settlement system can be provided, it will improve the convenience for customers to make payments during online foreign exchange settlement.

The present invention provides an online foreign exchange settlement system and a method thereof, which improves the convenience of payment when a customer handles online foreign exchange settlement.

The online foreign exchange settlement system of the present invention includes a financial server, an electronic device and a client device. The electronic device includes a scanning device. The client device connects to the online foreign exchange settlement website provided by the financial server, generates a foreign currency exchange order through the online foreign exchange settlement website, and stores the foreign currency exchange order to the financial server. The financial server generates a payment barcode based on the foreign currency exchange order, and transmits the payment barcode to the client device. The electronic device drives the scanning device to scan the payment barcode displayed on the client device, so as to pay the specified amount from the account to the financial server, and send the payment completion notice to the financial server; after the financial server receives the payment completion notice, the foreign currency The exchange order is cancelled, and the exchange notification message is sent to the foreign currency withdrawal location.

In an embodiment of the present invention, the foreign currency exchange order includes customer information, order number and specified amount. After scanning the payment barcode displayed on the client device, the electronic device obtains customer information, order number and specified amount. The electronic device pays the specified amount from the account to the financial server through a payment program, wherein the payment program is bound to the account. After the payment is completed, the electronic device transmits the order number to the financial server, so that the financial server performs a debit operation for the foreign currency exchange order.

In an embodiment of the present invention, the foreign currency exchange order further includes an email address. The financial server sends a withdrawal notification to the email address after the write-off of the foreign currency exchange order.

In an embodiment of the present invention, the financial server sends a withdrawal notification to the client device after the foreign currency exchange order is cancelled.

In an embodiment of the present invention, the payment barcode is a two-dimensional barcode or a quick response matrix code (QR Code, QR: Quick Response).

In an embodiment of the present invention, the above-mentioned scanning device is an image capturing device.

The online foreign exchange settlement method of the present invention includes: in a client device, connecting to an online foreign exchange settlement website provided by a financial server, generating a foreign currency exchange order through the online foreign exchange settlement website, and storing the foreign currency exchange order to the financial server; In the electronic device, the scanning device is driven to scan the payment barcode displayed on the client device to pay the specified amount from the account to the financial server; and After the payment is completed through the electronic device, the foreign currency exchange order will be written off through the financial server, and the exchange notification message will be sent to the foreign currency withdrawal location.

Based on the above, the function of converting foreign currency exchange orders into payment barcodes is used to provide customers with scanning code to read relevant order information, so that when customers choose other payment methods, they can avoid manually entering the order number for payment. This not only increases the security of personal data protection, but also reduces the inconvenience of entering data.

FIG. 1 is a block diagram of an online settlement system according to an embodiment of the present invention. Referring to FIG. 1 , the online foreign exchange settlement system 100 includes a financial server 100A, a client device 100B, and an electronic device 100C. The financial server 100A, the client device 100B and the electronic device 100C respectively include communication equipment with a networking function, and the financial server 100A, the client device 100B and the electronic device 100C can be connected through the Internet.

Here, the financial server 100A is, for example, a host computer that has high computing power and can be used by a plurality of users. The financial server 100A belongs to a financial institution that provides a wired foreign exchange settlement website 120 . The client device 100B is, for example, a personal computer, a notebook computer, a smart phone, etc., which are suitable for personal use in terms of performance and price and are directly controlled by the user. The electronic device 100C is a component having the scanning device 110 , such as a smart phone. The scanning device 110 is an image capturing device for scanning a two-dimensional barcode.

The client device 100B connects to the online foreign exchange settlement website 120 provided by the financial server 100A, generates a foreign currency exchange order through the online foreign exchange settlement website 120, and stores the foreign currency exchange order to the financial server 100A. Here, the foreign currency exchange order includes customer information, order number and payment amount.

In the financial server 100A, the payment barcode 105 is generated based on the foreign currency exchange order, and the payment barcode 105 is transmitted to the client device 100B. In the electronic device 100C, the scanning device 110 is driven to scan the payment barcode 105 displayed on the client device 110B to pay the specified amount from the account to the financial server 100A. After the payment is completed through the electronic device 100C, the foreign currency exchange order is written off through the financial server 100A, and an exchange notification message is sent to the foreign currency withdrawal location.

The steps of the online foreign exchange settlement method are described below with another embodiment in conjunction with the above-mentioned online foreign exchange settlement system 100 . FIG. 2 is a flowchart of an online settlement method according to an embodiment of the present invention. 1 and 2, in step S205, the user logs in (connects) to the online foreign exchange settlement website 120 provided by the financial server 100A through the client device 100B, and generates a foreign currency exchange order through the online foreign exchange settlement website 120. Next, in step S210, the online foreign exchange settlement website 120 stores the foreign currency exchange order in the financial server 100A. Here, the user logs into the user interface of the online foreign exchange settlement website 120, inputs the buyer's information and foreign exchange settlement-related information, and selects the payment method of electronic payment. After that, the online foreign exchange settlement website 120 generates a corresponding foreign currency exchange order, and converts the foreign currency The exchange order is stored in the financial server 100A. The electronic payment is, for example, one of third-party payment, electronic payment, mobile payment and electronic money.

In step S215, the financial server 100A generates the payment barcode 105 based on the foreign currency exchange order. And, in step S220, the financial server 100A transmits the payment barcode 105 to the client device 100B. The payment barcode is a two-dimensional barcode or a quick response matrix code (QR Code, QR: Quick Response).

After receiving the payment barcode 105, the client device 100B displays the payment barcode 105 on the display as shown in step S225. Next, in step S230 , the electronic device 100C scans the payment barcode 105 displayed by the client device 100B through the scanning device 110 . After scanning the payment barcode 105, the electronic device 100C obtains customer information, order number and specified amount as shown in step S235. And, in step S240, the payment is made through the payment program.

Specifically, a payment program is installed in the electronic device 100C, and electronic payment is performed through the payment program. Here, the payment program is bound to an account. The electronic device 100C activates the payment program, and drives the scanning device 110 through the payment program to scan the payment barcode 105 displayed on the client device 100B to obtain customer information, order number and specified amount. Then, the payment program can pay the specified amount from the bound account (for example, a virtual account) to the financial server 100A based on the obtained customer information (for example, including the payment account provided by the financial server 100A), and transmit the payment completion Notify to financial server 100A.

After the payment is completed, the electronic device 100C transmits a payment completion notification (including the order number) to the financial server 100A. After the financial server 100A receives the payment completion notice, as shown in step S245, the foreign currency exchange order is written off with the order number. And, in step S250, the financial server 100A notifies the branch (the designated foreign currency withdrawal location) to prepare banknotes, and notifies the customer.

That is, the financial server 100A transmits the exchange notification message to the foreign currency withdrawal location. In addition, the user can also input an email address when logging into the online foreign exchange settlement website 120, so that after the financial server 100A performs the debit operation of the foreign currency exchange order, the financial server 100A sends a withdrawal notice to the recorded email address. In addition, after the financial server 100A performs the debit operation of the foreign currency exchange order, it can also transmit a withdrawal notification to the client device 100B.

To sum up, the present invention utilizes the function of converting foreign currency exchange orders into payment barcodes to provide customers with scanning code to read relevant order information, so that when customers choose other payment methods, they can avoid manually inputting the order number for payment. . This not only increases the security of personal data protection, but also reduces the inconvenience of entering data.

100: Online foreign exchange settlement system 100A: Financial Server 100B: Client Device 100C: Electronic Devices 105: Payment barcode 110: Scanning device 120: Online foreign exchange settlement website S205～S250: Steps of the online foreign exchange settlement method

FIG. 1 is a block diagram of an online settlement system according to an embodiment of the present invention. FIG. 2 is a flowchart of an online settlement method according to an embodiment of the present invention.

100: Online foreign exchange settlement system

100A: Financial Server

100B: Client Device

100C: Electronic Devices

105: Payment barcode

110: Scanning device

120: Online foreign exchange settlement website

Claims (12)

An online foreign exchange settlement system, including: a financial server; an electronic device, including a scanning device; and a client device, Wherein, the client device is connected to an online foreign exchange settlement website provided by the financial server, generates a foreign currency exchange order through the online foreign exchange settlement website, and stores the foreign currency exchange order to the financial server; The financial server generates a payment barcode based on the foreign currency exchange order, and transmits the payment barcode to the client device; The electronic device drives the scanning device to scan the payment barcode displayed on the client device, so as to pay a specified amount from an account to the financial server, and send a payment completion notification to the financial server; After receiving the payment completion notice, the financial server performs a debit operation on the foreign currency exchange order, and transmits an exchange notice message to a foreign currency withdrawal location. The online foreign exchange settlement system according to claim 1, wherein the foreign currency exchange order includes a customer information, an order number and the specified amount, After scanning the payment barcode displayed on the client device, the electronic device obtains the customer information, the order number and the specified amount, the electronic device pays the specified amount from the account to the financial server through a payment program, wherein the payment program is bound to the account, After the payment is completed, the electronic device transmits the order number to the financial server, so that the financial server performs a write-off operation for the foreign currency exchange order. The online foreign exchange settlement system according to claim 1, wherein the foreign currency exchange order further includes an email address, The financial server sends a withdrawal notification to the email address after the foreign currency exchange order is written off. The online foreign exchange settlement system according to claim 1, wherein the financial server sends a withdrawal notification to the client device after the foreign currency exchange order is cancelled. The online foreign exchange settlement system according to claim 1, wherein the payment barcode is a two-dimensional barcode or a quick response matrix image code. The online settlement system according to claim 1, wherein the scanning device is an image capturing device. An online foreign exchange settlement method, including: In a client device, connect to an online foreign exchange settlement website provided by a financial server, generate a foreign currency exchange order through the online foreign exchange settlement website, and store the foreign currency exchange order to the financial server; in the financial server, generating a payment barcode based on the foreign currency exchange order, and transmitting the payment barcode to the client device; In an electronic device, driving a scanning device to scan the payment barcode displayed on the client device to pay a specified amount from an account to the financial server; and After the payment is completed through the electronic device, the foreign currency exchange order is written off through the financial server, and an exchange notification message is sent to a foreign currency withdrawal location. The online foreign exchange settlement method according to claim 7, wherein the foreign currency exchange order includes a customer information, an order number and the specified amount, Wherein, in the electronic device, after driving the scanning device to scan the payment barcode displayed on the client device, it further includes: Obtain the customer information, the order number and the specified amount; paying the specified amount from the account to the financial server through a payment program, wherein the payment program is bound to the account; and After the payment is completed, the order number is sent to the financial server, so that the financial server can perform a write-off operation on the foreign currency exchange order. The online foreign exchange settlement method according to claim 7, wherein the foreign currency exchange order further includes an email address, and the online foreign exchange settlement method further includes: After the foreign currency exchange order is written off by the financial server, a withdrawal notification is sent to the email address through the financial server. The online foreign exchange settlement method according to claim 7, further comprising: After the financial server cancels the foreign currency exchange order, a withdrawal notification is sent to the client device through the financial server. The online foreign exchange settlement method according to claim 7, wherein the payment barcode is a two-dimensional barcode or a quick response matrix image code. The online settlement method according to claim 7, wherein the scanning device is an image capturing device.

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