CN108537547A - A kind of more online currency conversion methods of market securities account Internet-based - Google Patents
A kind of more online currency conversion methods of market securities account Internet-based Download PDFInfo
- Publication number
- CN108537547A CN108537547A CN201810338883.5A CN201810338883A CN108537547A CN 108537547 A CN108537547 A CN 108537547A CN 201810338883 A CN201810338883 A CN 201810338883A CN 108537547 A CN108537547 A CN 108537547A
- Authority
- CN
- China
- Prior art keywords
- user
- amount
- securities
- redemption
- financing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of more online currency conversion methods of market securities account Internet-based, including：User needs the currency type exchanged and the amount of money to securities system input；Securities system deducts user and needs the amount of money exchanged；If selection financing is exchanged, then securities system judges whether the financing redemption amount of user completes this redemption request enough, if user finances, redemption amount is enough, and securities system freezes this and exchanges required financing redemption amount, and pending queue is added in redemption request；Securities system obtains the redemption request in pending queue one by one, and is sent to banking system, if banking system, which returns, exchanges successful information, securities system notifies user exchanges to complete, if banking system, which returns, exchanges failure information, terminates to exchange flow.The present invention is based on the basic characteristics of internet, support user stays indoors to complete to exchange, and compatible a variety of mobile terminal platforms, flow scheme design is proper to be easy to use, while safe and reliable and processing is rapidly.
Description
Technical field
The present invention relates to online currency conversion method, more particularly to a kind of more market securities accounts Internet-based are online
Currency conversion method.
Background technology
Currency conversion is one of the value-added service that stock trader provides, which can allow the fund activity of user, according to
The market in daily difference market, fund are transferred in real time in the account in corresponding market, most convenient and efficient tracks hot spot row
Feelings greatly improve the utilization rate of fund.The scheme of other existing stock traders can substantially be divided into three kinds：
Scheme one：After the completion of the fund acceptance clearing of the corresponding market account such as user (such as Hong Kong stock needs to wait T+2 transaction
The Hongkong dollar sold obtained by stock can be just extracted in the future), application extraction fund to the bank card account of oneself, by user's profit
With Internetbank or after going sales counter to handle and exchange/buy foreign exchange operation, the amount of money after converting will be changed and remit money/transfer accounts to stock trader where user to being put on sale
Under the account of the same name of field, complete this amount of money to can be used to be traded into gold operation rear.Scheme two：User hangs up finger in stock trader
The dealing list of deposit volume, which waits for, to strike a bargain.Scheme three：User is to need the amount of money exchanged as security, needed for the debt-credit of stock trader company
The amount of money of currency type is traded (obtained by actual redemption).
In above-mentioned existing scheme, scheme one and scheme two are required to wait for the fund in corresponding market to carry out acceptance clearing,
And the settlement time of major stock market is often longer (Hong Kong stock T+2, stock in America T+3), after the completion of waiting clearing, user may have already passed by
The best bonus phase.In addition to this, the first protocol procedures is very cumbersome and takes very much, and user is needed first to carry out out golden application,
It submits out gold application to reach user account to fund from user, generally requires 1-3 working day.User also needs to after taking fund
It changes and converts to bank counter (or passing through related Web bank) application, change after converting successfully and needs will change the currency after converting and be transferred to stock trader
Account under one's name, while initiating into golden application, etc. funds when really reaching the correspondence market account of user, and need 1-3 work
Day.One step simply changes the demand of converting and user is but needed to complete flow operations complicated and time-consuming three times, seriously affects user experience,
In addition also resulting in fund and at least freezing 2-6 working day can not make a profit, thereby increases and it is possible to can lead to miss market conditions.
And for second scheme, although many stock traders also provide online currency conversion, but be actually similar free
The dealing platform in market needs user oneself to initiate list of buying foreign exchange, and it is more with certain currency type purchase of some price that oneself expectation is written
Few designated currency, then sheet wait for and there is the people of other reversed demands to match in the market to strike a bargain, but due to the fluctuation in market and
The presence of relation between supply and demand causes the order that user hangs up that can not slowly strike a bargain.For the third scheme, although this mode can
Allow user the currency of corresponding currency type can be used to carry on transactions at once when needed, but actually major stock trader company is not
It is used as mortgage clearing foundation with market price, is to be calculated (such as 10000 according to a fixed exchange rate of internal customization
Hongkong dollar actually is equivalent at market price 1278.95 U.S. dollars, and can only obtain less than 1000 U.S. dollars in stock trader company mortgage), this is just
Resulting in user actually also has partial amount necessarily to be in frozen state, and mortgages the obtained amount of money and also need to per diem pay and melt
Provide interest.
Invention content
The technical problem to be solved in the present invention is, in view of the deficiencies of the prior art, provides a kind of Internet-based more
The online currency conversion method of market securities account, this method basic characteristics Internet-based support user to stay indoors completion
It exchanges, compatible a variety of mobile terminal platforms, flow scheme design is proper to be easy to use, while safe and reliable and processing is rapid.
In order to solve the above technical problems, the present invention adopts the following technical scheme that.
A kind of more online currency conversion methods of market securities account Internet-based, this method be based on a securities system and
One banking system realizes that the method includes having the following steps：Step S1, user need the currency type exchanged to securities system input
And the amount of money；Step S2, securities system deduct user and need the amount of money exchanged；Step S3, securities system prompt the user whether to select
Financing is exchanged, and if you select No, thens follow the steps S4, if selection is to then follow the steps S5；Step S4, the securities system notice
User can carry insufficient in amount, and terminate to exchange flow；Step S5, the securities system judge user financing redemption amount whether
This redemption request is completed enough, if user finances, redemption amount is insufficient, thens follow the steps S6, the redemption amount foot if user finances
It is enough, then follow the steps S7；Step S6, the securities system notify user that can carry insufficient in amount, and terminate to exchange flow；Step
S7, the securities system freezes this and exchanges required financing redemption amount, and pending queue is added in redemption request；Step
Rapid S8, the securities system obtain the redemption request in pending queue one by one, and are sent to the banking system and carry out currency
Exchange operation, if the banking system, which returns, exchanges successful information, the securities system notifies user exchanges to complete, if described
Banking system, which returns, exchanges failure information, then terminates to exchange flow.
Preferably, in the step S2, the securities system automatic decision active user whether have it is enough carry the amount of money,
If it is enough to carry the amount of money, deduction can carry the amount of money, and pending queue is added in redemption request, waits for and exchanges processing links, such as
Fruit user can carry insufficient in amount, then whether the securities system automatic decision user meets financing redemption of conditional, melt if met
Redemption of conditional is provided, then pop-up prompts the user whether that selection is exchanged using financing, if conditions are not met, then notifying user that can carry the amount of money not
Foot, and terminate to exchange flow.
In more online currency conversion methods of market securities account Internet-based disclosed by the invention, complete base is used
In the one-stop online currency conversion mode that internet carries out, user is not necessarily to change converting by dealing, without extracting fund
It is restored again into, by way of online currency conversion in real time, fund is just changed to the required currency of user simultaneously by a key application at once
It is stored in corresponding account, user is allowed conveniently to be traded.And entirely exchange the electronics based entirely on internet of flow
Change management, each step has record, can facilitate access, reduces the possibility of error.In addition, the present invention has based on internet
Basic characteristics, possess and support that user stays indoors the advantage for completing to exchange, and possesses the advantage of compatible a variety of mobile terminal platforms, gathers around
There is the proper advantage easy to use of flow scheme design, possesses safe and reliable and rapid advantage.
Description of the drawings
Fig. 1 is the flow chart of the method for the present invention.
Fig. 2 is the interface sectional drawing in user operation process.
Specific implementation mode
The present invention is described in more detail with reference to the accompanying drawings and examples.
A kind of more online currency conversion methods of market securities account Internet-based, please refer to Fig. 1, and this method is based on one
Securities system and a banking system realize that the method includes having the following steps：
Step S1, user need the currency type exchanged and the amount of money to securities system input；
Step S2, securities system deduct user and need the amount of money exchanged；
Step S3, securities system prompts the user whether that selection financing is exchanged, if you select No, thens follow the steps S4, if selection
It is to then follow the steps S5；
Step S4, the securities system notify user that can carry insufficient in amount, and terminate to exchange flow；
Step S5, the securities system judge whether the financing redemption amount of user completes this redemption request enough, if
User's financing redemption amount is insufficient, thens follow the steps S6, if user finances, redemption amount is enough, thens follow the steps S7；
Step S6, the securities system notify user that can carry insufficient in amount, and terminate to exchange flow；
Step S7, the securities system freezes this and exchanges required financing redemption amount, and redemption request is added
Pending queue；
Step S8, the securities system obtain the redemption request in pending queue one by one, and are sent to the department of banking
System carries out currency exchange operation, if the banking system, which returns, exchanges successful information, the securities system notifies user to exchange
It completes, if the banking system, which returns, exchanges failure information, terminates to exchange flow.
In the above method, the one-stop online currency conversion mode carried out based entirely on internet is used, user is not necessarily to
Change converting by dealing, it is not necessary that fund extraction to be restored again into, by way of online currency conversion in real time, a key application is just stood
Fund is changed to the required currency of user and is stored in corresponding account by quarter, and user is allowed conveniently to be traded.And it is entire
The electronic management based entirely on internet of flow is exchanged, each step has record, can facilitate access, and that reduces error can
It can property.In addition, the present invention has basic characteristics Internet-based, possesses and supports user stays indoors to complete the advantage of exchange,
The advantage for possessing compatible a variety of mobile terminal platforms, possesses the proper advantage easy to use of flow scheme design, possesses safe and reliable and fast
The advantage of speed.
As a preferred method, in the step S2, whether the securities system automatic decision active user has enough
Carry the amount of money, if it is enough to carry the amount of money, deduction can carry the amount of money, and pending queue is added in redemption request, waits for and exchanging
Processing links, if user can carry insufficient in amount, whether the securities system automatic decision user meets financing redemption of conditional,
If meeting financing redemption of conditional, pop-up prompts the user whether that selection is exchanged using financing, if conditions are not met, then notifying user
Insufficient in amount can be carried, and terminates to exchange flow.
More online currency conversion methods of market securities account Internet-based disclosed by the invention, actual application
In, it can refer to following examples：
The present invention proposes a kind of online real-time currency conversion scheme Internet-based, and user need to only select in this system
It selects from A currency types and converts to B currency types, and insert the amount of money for it is expected to convert out, system can calculate the estimated B currency type gold being blended into automatically at once
Volume, and it is expected that exchanging the time (arriving account in disk in real time) completed, after user inputs password confirming identity, this system i.e. can be automatic
It is exchanged according to the real-time money price of Vehicles Collected from Market, and on the amount of money deposit user account after successfully exchanging, allows user
It can be traded immediately using the amount of money after exchange.This invention simplifies all flows, user only needs selection to change the side converted
To input needs to change the amount of money converted, and all operations can be completed after clicking application, fund, which will soon change, converts completion and deposit pair
It answers in the account of currency type, user is waited for be traded use.
In actual application, in conjunction with shown in Fig. 1 and Fig. 2, system is after user places an order, the condition of meeting automatic decision user
And qualification, into corresponding sub-process full automatic treatment redemption request.More particularly to following steps：
1, user inputs the currency type for needing to exchange and the amount of money, places an order；
2, system automatic decision active user whether have it is enough carry the amount of money, if can carry, the amount of money is enough, and deduction can
The amount of money is carried, into pending queue, waits for and exchanges processing links；
If 3, user can carry insufficient in amount, whether automatic decision user meets financing redemption of conditional, if meeting financing
Redemption of conditional then pops up prompt and asks the user whether that selection is exchanged using financing, if conditions are not met, then notifying user that can carry not
Foot, and terminate flow；
4, it when third walks pop-up prompt and asks the user whether that selection financing is exchanged, if user has selected no, notifies
User can put forward deficiency, and terminate flow, if user selects to agree to exchange using financing, judge that the financing of user exchanges amount
Whether enough this redemption request；
5, in the 4th step judges that user's financing exchanges this whether enough redemption request of amount, if it find that user finances
It is insufficient to exchange amount, then notifies user that can put forward deficiency, and terminate flow, amount is enough if user finances exchange, freezes this
It is secondary to exchange required financing exchange amount, and enter pending queue, it waits for and exchanges processing links；
6, the request data in pending queue is obtained one by one, and is sent to Bank of China's system and is carried out real-time currency conversion
Operation is exchanged successfully if bank side returns, and notifies user exchanges to complete and terminate flow, otherwise then notifies user exchanges to lose
It loses, and terminates flow.
The present invention gets through the technology connection between bank and stock trader, realizes user from master bill of lading, system by Optimizing Flow
Automatically it is exchanged according to the real-time exchange rate, and by amount of money deposit user's destiny account after exchange, greatly improves user's currency
The experience of exchange reduces the workload of customer service by the processing of automation.The present invention mainly realizes：Whole audience electronization, nothing
Paper；User self-help places an order, and is automatically finished exchange operation, is not necessarily to manual intervention；Whether automatic decision user, which meets financing, is converted
Qualification is changed, the fund of user is allowed to no longer need to that traditional clearing is waited for accept (Hong Kong stock T+2, stock in America T+3), reduces the heavy of user's fund
The time is slept, the utilization rate of user's fund is greatly improved；Standardization, specialized, hommization a whole exchange flow, Yi Jiji
In each function module of the flow；Interface beautiful and generous, including the soft page color matching, page various components it is big
Small and layout etc.；User-friendly occupation mode, including warm prompt official documents and correspondence, prompt picture, guide content, progress bar etc..
The above is preferred embodiments of the present invention, is not intended to restrict the invention, all technology models in the present invention
Interior done modification, equivalent replacement or improvement etc. are enclosed, should be included in the range of of the invention protect.
Claims (2)
1. a kind of more online currency conversion methods of market securities account Internet-based, which is characterized in that this method is based on one
Securities system and a banking system realize that the method includes having the following steps：
Step S1, user need the currency type exchanged and the amount of money to securities system input；
Step S2, securities system deduct user and need the amount of money exchanged；
Step S3, securities system prompts the user whether that selection financing is exchanged, if you select No, thens follow the steps S4, if selection is,
Execute step S5；
Step S4, the securities system notify user that can carry insufficient in amount, and terminate to exchange flow；
Step S5, the securities system judge whether the financing redemption amount of user completes this redemption request enough, if user
Redemption amount of financing is insufficient, thens follow the steps S6, if user finances, redemption amount is enough, thens follow the steps S7；
Step S6, the securities system notify user that can carry insufficient in amount, and terminate to exchange flow；
Step S7, the securities system freezes this and exchanges required financing redemption amount, and redemption request is added and waits locating
Manage queue；
Step S8, the securities system obtain the redemption request in pending queue one by one, and be sent to the banking system into
Row currency exchange operation, if the banking system, which returns, exchanges successful information, the securities system notifies user exchanges to complete,
If the banking system, which returns, exchanges failure information, terminate to exchange flow.
2. more online currency conversion methods of market securities account Internet-based as described in claim 1, which is characterized in that
In the step S2, the securities system automatic decision active user whether have it is enough carry the amount of money, if amount of money foot can be carried
Enough, then the amount of money can be carried by deducting, and pending queue is added in redemption request, waits for and exchanges processing links, if user can carry the amount of money
Deficiency, then whether the securities system automatic decision user meets financing redemption of conditional, if meeting financing redemption of conditional, bullet
Go out to prompt the user whether that selection is exchanged using financing, if conditions are not met, then notifying user that can carry insufficient in amount, and terminates to exchange stream
Journey.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810338883.5A CN108537547A (en) | 2018-04-16 | 2018-04-16 | A kind of more online currency conversion methods of market securities account Internet-based |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810338883.5A CN108537547A (en) | 2018-04-16 | 2018-04-16 | A kind of more online currency conversion methods of market securities account Internet-based |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108537547A true CN108537547A (en) | 2018-09-14 |
Family
ID=63480874
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810338883.5A Withdrawn CN108537547A (en) | 2018-04-16 | 2018-04-16 | A kind of more online currency conversion methods of market securities account Internet-based |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108537547A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111986031A (en) * | 2020-09-08 | 2020-11-24 | 中国银行股份有限公司 | Exchange transaction information monitoring method and device |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090248574A1 (en) * | 2008-03-28 | 2009-10-01 | Leung Florence F L | Peer-to-peer currency exchange and associated systems and methods |
| CN105741440A (en) * | 2015-07-22 | 2016-07-06 | 深圳怡化电脑股份有限公司 | Method and device for running bank note currency exchange self-service equipment |
| US20180096428A1 (en) * | 2016-09-30 | 2018-04-05 | Mastercard International Incorporated | Methods, systems, and networks, for proactive currency exchange |
-
2018
- 2018-04-16 CN CN201810338883.5A patent/CN108537547A/en not_active Withdrawn
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090248574A1 (en) * | 2008-03-28 | 2009-10-01 | Leung Florence F L | Peer-to-peer currency exchange and associated systems and methods |
| CN105741440A (en) * | 2015-07-22 | 2016-07-06 | 深圳怡化电脑股份有限公司 | Method and device for running bank note currency exchange self-service equipment |
| US20180096428A1 (en) * | 2016-09-30 | 2018-04-05 | Mastercard International Incorporated | Methods, systems, and networks, for proactive currency exchange |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111986031A (en) * | 2020-09-08 | 2020-11-24 | 中国银行股份有限公司 | Exchange transaction information monitoring method and device |
| CN111986031B (en) * | 2020-09-08 | 2023-09-19 | 中国银行股份有限公司 | Exchange transaction information monitoring method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US6216115B1 (en) | Method for multi-directional consumer purchasing, selling, and transaction management | |
| RU2233005C2 (en) | Computerized auction protocol processor | |
| CN109564657A (en) | Represent the system and method that payment card schemes transaction acquirer carries out the payment of businessman | |
| CN109615511A (en) | A kind of supply chain banking software system and method | |
| US20120072337A1 (en) | Payment Processing System Debt Conversion Notification | |
| JP2008523507A5 (en) | ||
| CN108765124A (en) | A kind of syndicated loan business solution Internet-based | |
| CN103413242A (en) | Middle-and-small-sized enterprise reputation and financing credit standard system for non-face-to-face trading | |
| JP2007286697A (en) | Payment processing support device and payment processing support method | |
| CN104346749A (en) | Pledge-based network borrowing process monitoring method | |
| CN105373958A (en) | Accounting method based on bank bills | |
| US20060277129A1 (en) | System and method of transaction settlement and supply chain financing | |
| CN101782992A (en) | Online transaction system and method | |
| CN101901460A (en) | Method and system for loan portfolio management and automatic loan repayment | |
| CN108038683A (en) | Method of payment, payment system and readable storage medium storing program for executing based on two class accounts | |
| CN104331808A (en) | Real estate financing method and corresponding network system | |
| CN111461861B (en) | Two-level legal fund business management system | |
| CN109166035A (en) | A kind of method and system handling financing information | |
| Wölfing et al. | Cash management in transition: From cash management to cash process management | |
| CN108537547A (en) | A kind of more online currency conversion methods of market securities account Internet-based | |
| KR100784353B1 (en) | Method and system for providing cash flow statement automatically and computer-readable recording medium storing program for providing cash flow statement automatically | |
| CN110288458A (en) | A kind of service system of supply chain financial platform | |
| US20140006192A1 (en) | Selective escrow of funds based on transaction receipts | |
| WO2013120345A1 (en) | Information processing system for consumptive credit investigation and method therefor | |
| CN106845992A (en) | A kind of credit line management method suitable for internet business platform |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20180914 |
|
| WW01 | Invention patent application withdrawn after publication |