TWI635452B - Media exchange system with confirmation mechanism - Google Patents
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Abstract
本發明係一種具有確認機制的媒合匯兌系統，主要係由兩不同身分的使用者分別使用一第一電子裝置、一第二電子裝置與網路連結，並透過網路於一兌換平台上交換資料，該兌換平台係提供不同的使用者分別刊登或是選擇一匯兌需求資訊，該兌換平台根據一媒合確認機制並執行一兌換模式，以完成不同使用者之間的兌換手續；本發明係提供安全以及公平的交換機制，讓不同的使用者可以自由地進行匯兌，只要雙方同意的匯率都能夠進行兌換，藉由安全的確認機制達到提升一般民眾在匯兌上的安全性與便利性之目的。The present invention is a media exchange system with a confirmation mechanism, which is mainly used by two different users to use a first electronic device, a second electronic device and a network connection, and exchanged on a exchange platform through the network. Information, the redemption platform provides different users to separately publish or select an exchange demand information, the redemption platform according to a mediation confirmation mechanism and implement a redemption mode to complete the exchange procedures between different users; the present invention is Provide a safe and fair exchange mechanism, allowing different users to freely exchange, as long as the exchange rate agreed by both parties can be exchanged, through the security confirmation mechanism to improve the safety and convenience of the general public on the exchange .
Description
本發明係關於一種匯兌系統，尤指一種具有確認機制的媒合匯兌系統。The invention relates to a currency exchange system, in particular to a media exchange system with a confirmation mechanism.
科技日新月異，金融科技的發展已經是國際的趨勢，更是金融產業的進步，但是現有技術中民眾若欲進行不同貨幣之間的兌換，請參考圖9所示，主要的方式仍是由一民眾60A持一貨幣61到一金融機構70，透過該金容機構70兌換另一貨幣71，但是匯率都是由各家金融機構70分別定義，且部分金融機構70限制民眾60A僅能兌換由該金融機構70所換出的外幣金額，再者，民眾60A通常在金融機構70進行不同幣別的兌換，其往返過程中必然造成匯率上的損失，且礙於各金融機構70作業系統或流程，多無法滿足跨境匯兌者時間上的急需，對民眾60A來說確有不方便之處。With the rapid development of science and technology, the development of financial technology has become an international trend, and it is the progress of the financial industry. However, if people in the prior art want to exchange between different currencies, please refer to Figure 9, the main way is still by a people. 60A holds a currency 61 to a financial institution 70, and exchanges another currency 71 through the gold facility 70, but the exchange rate is defined by each financial institution 70, and some financial institutions 70 restrict the public 60A can only be exchanged for the financial The foreign currency amount exchanged by the institution 70, in addition, the public 60A usually exchanges different currencies in the financial institution 70, and the exchange rate will inevitably cause exchange rate loss, and hinder the financial system 70 operating system or process, Unable to meet the urgent needs of cross-border exchangers, it is inconvenient for the people 60A.
請參考圖10所示，若民眾60A透過介紹與其它民眾60B，或經過地下管道與其它民眾60B進行兌換，除需面臨不可預知之兌換風險，兌換的匯率往往也不如預期，更可能碰到惡意的詐騙行為，另外，民眾60A或向週遭親朋或隨機耦合之其它民眾60B兌換，甚至向民間地下融資公司進行兌換，前述二者對於匯兌者在誠信與交易過程中，均存在無法預知的風險，雖然一般認為最安全的交換方式，莫過於雙方同時付款、當面清點所交換之金額，然而受限於時空因素，對於一般民眾仍有其現實上的困難。因此，現有技術中仍存在諸多不便以及兌換風險，確實有待進一步提出更佳解決方案的必要性。Please refer to Figure 10. If the public 60A exchanges with other people 60B or through the underground pipeline and other people 60B, in addition to the unpredictable exchange risk, the exchange rate is often not as expected, more likely to encounter malicious The fraudulent behavior, in addition, the people 60A or exchange with other relatives or other people who are randomly coupled to 60B, and even to the civil underground financing company exchange, the two are unpredictable risks for the exchanger in the process of integrity and transaction, Although it is generally believed that the safest means of exchange is the amount exchanged by both parties for simultaneous payment and face-to-face counting, however, due to time and space factors, there are still practical difficulties for the general public. Therefore, there are still many inconveniences and exchange risks in the prior art, and it is indeed necessary to further propose a better solution.
有鑑於上述現有技術之不足，本發明的主要目的係提供一種具有確認機制的媒合匯兌系統，其利用網路資訊技術，令不同的使用者以安全、公平的機制自由匯兌，透過安全的確認機制提升一般民眾在匯兌上的安全性與便利性。In view of the above-mentioned deficiencies of the prior art, the main object of the present invention is to provide a mediation and exchange system with a confirmation mechanism, which utilizes network information technology to enable different users to exchange freely through a safe and fair mechanism, through security confirmation. The mechanism enhances the safety and convenience of the general public in exchange.
為達成上述目的所採取的主要技術手段係令前述具有確認機制的媒合匯兌系統包括： 一兌換平台，係具有多數資訊； 一第一電子裝置，係透過網路與該兌換平台連結，並由一使用者發送一匯兌需求資訊； 一第二電子裝置，係透過網路與該兌換平台連結，並供另一使用者瀏覽該兌換平台的多數資訊； 其中，由該兌換平台刊登該第一電子裝置發送的匯兌需求資訊，當另一使用者透過該第二電子裝置選擇該匯兌需求資訊時，則該兌換平台根據一媒合確認機制並執行一兌換模式，以完成不同使用者之間的兌換手續。The main technical means adopted to achieve the above objectives is that the aforementioned media exchange system with a confirmation mechanism includes: a redemption platform having a majority of information; a first electronic device connected to the exchange platform via the Internet, and a user sends an exchange demand information; a second electronic device is connected to the exchange platform via the Internet, and another user browses most information of the exchange platform; wherein the first electronic device is published by the exchange platform The exchange demand information sent by the device, when another user selects the exchange demand information through the second electronic device, the redemption platform performs a redemption mode according to a mediation confirmation mechanism to complete the exchange between different users. formalities.
藉由上述媒合匯兌系統，不同的使用者分別透過該第一電子裝置、該第二電子裝置於該兌換平台上交換資料，該兌換平台透過該頁面刊登所有使用者的匯兌需求資訊，且供所有使用者瀏覽該兌換平台的頁面，當任一使用者透過該第二電子裝置選擇該匯兌需求資訊時，則該兌換平台根據該媒合確認機制並執行該兌換模式，以完成不同使用者之間的兌換手續，透過安全以及公平的交換機制，讓不同的使用者可以自由地進行匯兌，只要雙方同意的匯率都能夠進行兌換，藉此安全的確認機制達到提升一般民眾在匯兌上的安全性與便利性之目的。Through the above-mentioned media exchange system, different users exchange data on the exchange platform through the first electronic device and the second electronic device respectively, and the redemption platform publishes the exchange demand information of all users through the page, and provides All users browse the page of the redemption platform. When any user selects the exchange demand information through the second electronic device, the redemption platform executes the redemption mode according to the mediation confirmation mechanism to complete different users. Through the safe and fair exchange mechanism, different users can freely exchange, as long as the exchange rate agreed by both parties can be exchanged, so that the security confirmation mechanism can improve the security of the general public on the exchange. For the purpose of convenience.
關於本發明具有確認機制的媒合匯兌系統之較佳實施例，請參閱圖1所示，其包括一第一電子裝置10、一第二電子裝置20以及一兌換平台30，本較佳實施例中該兌換平台30可由遠端的一伺服器40所提供，該第一電子裝置10、該第二電子裝置20可分別透過網路與該兌換平台30交換資料，該兌換平台30具有一頁面（圖中未示），該頁面可為一Web頁面，該兌換平台30透過該頁面刊登多數資訊，不同的使用者可分別使用該第一電子裝置10、該第二電子裝置20登入該兌換平台30，並瀏覽該兌換平台30之頁面上呈現的資訊。Referring to FIG. 1 , a preferred embodiment of the present invention includes a first electronic device 10 , a second electronic device 20 , and a redemption platform 30 . The preferred embodiment The redemption platform 30 can be provided by a server 40 at the remote end. The first electronic device 10 and the second electronic device 20 can exchange data with the redemption platform 30 through a network, and the redemption platform 30 has a page ( The page is a web page. The redemption platform 30 displays a plurality of information through the page. The different users can use the first electronic device 10 and the second electronic device 20 to log in to the redemption platform 30. And browse the information presented on the page of the redemption platform 30.
本較佳實施例中，該第一電子裝置10可為一行動裝置、一可攜式智慧裝置、一智慧型穿戴裝置、一筆記型電腦或一桌上型電腦等設備，該第二電子裝置20可為一行動裝置、一可攜式智慧裝置、一智慧型穿戴裝置、一筆記型電腦或一桌上型電腦等設備。In the preferred embodiment, the first electronic device 10 can be a mobile device, a portable smart device, a smart wearable device, a notebook computer or a desktop computer, and the second electronic device. 20 can be a mobile device, a portable smart device, a smart wearable device, a notebook computer or a desktop computer.
該第一電子裝置10可供一第一使用者預設一幣別資訊(A)11，並由該第一使用者發送一含幣別資訊(A)的匯兌需求資訊，或者瀏覽該兌換平台30上的資訊，該第二電子裝置20可供一第二使用者預設一幣別資訊(B)21，並由該第二使用者發送另一含幣別資訊(B)的匯兌需求資訊，或者瀏覽該兌換平台30上的資訊。The first electronic device 10 can be configured for a first user to preset a currency information (A) 11, and the first user sends a currency exchange demand information containing the currency information (A), or browses the exchange platform. The information on the second electronic device 20 can be used by a second user to preset a currency information (B) 21, and the second user can send another currency exchange demand information containing the currency information (B). Or browse the information on the redemption platform 30.
當該兌換平台30收到該第一使用者透過該第一電子裝置10發送的匯兌需求資訊後，將該第一電子裝置10發送的匯兌需求資訊並刊登在該頁面上，當該第二使用者透過該第二電子裝置20瀏覽該頁面並選擇該匯兌需求資訊時，則該兌換平台30根據一媒合確認機制並執行一兌換模式，以完成不同使用者之間的兌換手續。After the redemption platform 30 receives the exchange demand information sent by the first user through the first electronic device 10, the exchange demand information sent by the first electronic device 10 is posted on the page, and the second use is performed. When the second electronic device 20 browses the page and selects the exchange demand information, the redemption platform 30 performs a redemption mode according to a mediation confirmation mechanism to complete the exchange procedure between different users.
故本發明主要係建立一種外幣的兌換媒合機制，讓民眾得以自由安全的與其他民眾兌換外幣，使用者可設定自己覺得合理的匯率，經由該兌換平台30對於雙方交換內容與行為的管控，確保其兌換的安全，意即透過該兌換平台30所提供的機制，實現雙方同步匯款，或提供線下交易的安全保障，提供一般民眾在匯兌上的安全與便利。Therefore, the present invention mainly establishes a foreign currency exchange and match mechanism, so that the public can freely and safely exchange foreign currency with other people, and the user can set a exchange rate that he or she feels reasonable, and control the exchange of content and behavior between the two parties via the exchange platform 30. To ensure the security of their exchange, that is, through the mechanism provided by the redemption platform 30, the two parties can realize the simultaneous remittance, or provide the security of the offline transaction, and provide the security and convenience of the general public on the exchange.
為說明本較佳實施例中的兌換平台30可針對使用者提供不同層級的身分認證機制，以確保交換雙方之誠信與身分之確認的應用方式，請參閱圖2所示，其中該兌換平台30提供的媒合確認機制包括一線下交易機制，使用者可利用該兌換平台30的上架功能，透過其頁面刊登該匯兌需求資訊，使用者可由該匯兌需求資訊得知其使用者希望兌換的外幣與數量，並選擇兌換類型與交換方式；其它匯兌需求資訊之使用者，根據該兌換平台30的媒合仲介或條件查詢，選擇其合意之匯兌物件，例如：物件所刊登之匯兌條件滿意，使用者可於該兌換平台30的頁面上進行下單。在雙方透過該第一電子裝置10、該第二電子裝置20均發送一確定條件資訊至該兌換平台30，代表該媒合確認機制完成，再由該兌換平台30執行一兌換模式，該兌換模式係通知雙方分別以該第一電子裝置10、該第二電子裝置20進行兌換程序，當雙方兌換完畢後，兌換的結果將透過網路回饋至該兌換平台30記錄，確保雙方兌換的結果，且可保存備查。To illustrate that the redemption platform 30 in the preferred embodiment can provide different levels of identity authentication mechanisms for users to ensure the application of the integrity and identity of the exchange parties, please refer to FIG. 2, wherein the redemption platform 30 The mediation confirmation mechanism provided includes a first-line trading mechanism, and the user can use the loading function of the redemption platform 30 to publish the exchange demand information through the page, and the user can know the foreign currency that the user wishes to exchange with the exchange demand information. Quantity, and choose the type of exchange and exchange method; users of other exchange demand information, according to the mediation agency or conditional inquiry of the exchange platform 30, select the desired exchange object, for example: the exchange conditions published in the object are satisfactory, the user An order can be placed on the page of the redemption platform 30. Both the first electronic device 10 and the second electronic device 20 send a certain condition information to the redemption platform 30 to complete the mediation confirmation mechanism, and then the redemption mode is executed by the redemption platform 30. Informing the two parties to perform the redemption process with the first electronic device 10 and the second electronic device 20 respectively. After the two parties have completed the redemption, the result of the redemption will be returned to the exchange platform 30 through the network to ensure the result of the exchange between the two parties, and Can be saved for future reference.
於本較佳實施例中，該兌換平台30提供的該媒合確認機制係可進一步包括一系統確認機制，請參閱圖3所示，其中進一步提供一第三方平台50，該第三方平台50係可由一第三方金融公司的一資料伺服器（圖中未示）提供，該第三方平台50係與該兌換平台30連結，兌換過程與該兌換平台30協同運作，兌換條件是使用者本身需已確實開立足以兌換兩種幣別的第三方金融公司帳戶或金融帳號；其中，當該第一使用者使用該第一電子裝置10希望兌換不同的幣別時，則透過該第一電子裝置10將該幣別資訊(A)11提供給該第三方平台50，以將該幣別資訊(A)11所代表的一種外幣更換成該幣別資訊(B)21所代表的另一種幣別。In the preferred embodiment, the mediation confirmation mechanism provided by the redemption platform 30 can further include a system confirmation mechanism. Referring to FIG. 3, a third-party platform 50 is further provided. It can be provided by a data server (not shown) of a third-party financial company. The third-party platform 50 is linked to the redemption platform 30, and the redemption process works in conjunction with the redemption platform 30. A third-party financial company account or a financial account number that is sufficient to exchange two currencies; and when the first user uses the first electronic device 10 to exchange different currencies, the first electronic device 10 is The currency information (A) 11 is provided to the third party platform 50 to replace one foreign currency represented by the currency information (A) 11 with another currency represented by the currency information (B) 21 .
若第一使用者希望與該第二使用者兌換，該第一使用者需要先透過該第一電子裝置10將要兌換的該幣別資訊(A)11發送至該第三方平台50，並存放到一專屬幣別A的第一帳戶中，同樣的該第二使用者也需透過該第二電子裝置20將雙方議定之該幣別資訊(B)21發送至該第三方平台50，並存放到一專屬幣別B的第二帳戶中，並由該第三方平台50管控。If the first user wishes to redeem with the second user, the first user needs to first send the currency information (A) 11 to be redeemed through the first electronic device 10 to the third party platform 50, and store the In the first account of the exclusive currency A, the same second user also needs to send the agreed currency information (B) 21 to the third party platform 50 through the second electronic device 20, and store it in the third account. A second account of the exclusive currency B, and is controlled by the third party platform 50.
當雙方媒合配對成功並完成該媒合確認機制後，如圖3、4所示，由該兌換平台30通知雙方以執行一第一匯款模式，該第一匯款模式係由該第一使用者將該幣別資訊(A)11匯款到該第三方平台50指定的一用於管控幣別資訊(A)的帳戶中，又由該第二使用者將該幣別資訊(B)21匯款到該第三方平台50指定的一用於管控幣別資訊(B)的帳戶中，該兌換平台30會經由網路確認該第三方平台50中用於管控幣別資訊(A),(B)的帳戶是否都已經收到匯款，藉此完成該第三方平台50的帳號確認與控制機制，以確認雙方匯款並同時匯款給對方。After the matching of the two parties is successful and the mediation confirmation mechanism is completed, as shown in FIGS. 3 and 4, the redemption platform 30 notifies the two parties to execute a first remittance mode, and the first remittance mode is performed by the first user. The money information (A) 11 is sent to an account designated by the third party platform 50 for controlling the currency information (A), and the second user sends the currency information (B) 21 to the account. In the account designated by the third-party platform 50 for controlling the currency information (B), the redemption platform 30 confirms the third-party platform 50 for controlling the currency information (A), (B) via the network. Whether the account has received the remittance, thereby completing the account confirmation and control mechanism of the third party platform 50, to confirm the remittance of both parties and to remit the money to the other party at the same time.
當雙方都已經完成匯款動作，代表該媒合確認機制完成，則該兌換平台30透過網路發送一確認指令到該第三方平台50，讓雙方受該第三方平台50管控的幣別資訊(A),(B)分別進行匯款，並匯款到該第二使用者的一專屬幣別A的第二帳戶中，以及該第一使用者的一專屬幣別B的第一帳戶中。當雙方兌換完畢後，兌換的結果仍將由該兌換平台30記錄，確保雙方兌換的結果，且可保存備查。When both parties have completed the remittance action, on behalf of the mediation confirmation mechanism, the redemption platform 30 sends a confirmation command to the third party platform 50 via the network, so that both parties are subject to the currency information controlled by the third party platform 50 (A And (B) remittance separately, and remitted to the second account of the exclusive currency A of the second user, and the first account of the exclusive currency B of the first user. After the two parties have completed the redemption, the results of the redemption will still be recorded by the redemption platform 30 to ensure the results of the exchange between the two parties, and can be kept for future reference.
經由以上的流程即可完成雙方的外幣兌換，由於整個過程及數據都是由該兌換平台30協同該第三方平台50控制，所以避免了人為的失誤，或是惡意的兌換行為，假設任何一方並未在指定時間內完成匯款，則該兌換平台30的媒合將會取消，已完成匯款的任一方，其款項將自動退還至其原金融帳號，確保的雙方的交易安全。Through the above process, the foreign currency exchange between the two parties can be completed. Since the entire process and data are controlled by the redemption platform 30 in cooperation with the third-party platform 50, human error or malicious exchange behavior is avoided, assuming either party If the remittance is not completed within the specified time, the matching of the redemption platform 30 will be cancelled. If any party has completed the remittance, the payment will be automatically refunded to its original financial account to ensure the security of both parties' transactions.
再者，於本較佳實施例中當該兌換平台執行完成該媒合確認機制後，請參閱圖5所示，又可由該兌換平台30通知雙方以執行一第二匯款模式，以管控匯款流程，而能保障使用者雙方的外幣兌換行為，本較佳實施例中該第二匯款模式係直接匯款給對方，但是匯款的流程需要一段時間來完成，利用此時間差與過程來確認雙方的匯款；當第一或第二使用者發起匯款時，該第三方平台50將會收取通知，並啟動一暫時鎖定機制，使得幣別資訊(A),(B)並未立刻匯入對方帳戶，而一旦在該兌換平台30確認雙方均已確實執行匯款動作後，再通知該第三方平台50完成前述的整個匯款流程，這種方式並不會經由該第三方平台50指定的用於管控幣別資訊(A),(B)的帳戶，但一樣可以確保雙方的兌換安全，當任一方沒有在特定時間內完成匯款，該兌換平台30將告知該第三方平台50，並要求取消此次的匯款，對另一使用者而言，僅將接收到匯款失敗的結果，而無需負擔其他風險。In addition, in the preferred embodiment, after the redemption platform performs the mediation confirmation mechanism, please refer to FIG. 5, and the redemption platform 30 can notify the two parties to execute a second remittance mode to control the remittance process. In the preferred embodiment, the second remittance mode is directly remitted to the other party, but the remittance process needs to be completed for a period of time, and the time difference and process are used to confirm the remittance of the two parties; When the first or second user initiates the remittance, the third party platform 50 will receive a notification and initiate a temporary locking mechanism so that the currency information (A), (B) is not immediately remitted into the other party's account, and once After the redemption platform 30 confirms that both parties have actually performed the remittance action, the third party platform 50 is notified to complete the entire remittance process, which is not controlled by the third party platform 50 for controlling the currency information ( A), (B) the account, but the same can ensure the exchange security of both parties, when either party does not complete the remittance within a certain time, the redemption platform 30 will inform the third party platform 50, and Seeking to cancel the remittance, the other users, will receive only the result of the failure of money, without the burden of additional risk.
為說明本較佳實施例中的兌換平台30執行該兌換模式的應用方式，請參考圖6所示，其中該兌換平台30執行的兌換模式包括一全額兌換程序，透過該全額兌換程序讓該第一使用者、該第二使用者將其所有貨幣做一次性兌換，當該第一使用者透過該第一電子裝置10預設一款項資訊(A)12，該第二使用者透過該第二電子裝置20預設另一款項資訊(B)22，該第二使用者希望一次將款項資訊(B)所代表的全部金額，以已定義之匯率兌換為另一貨幣，而該第一使用者也同意這樣的兌換方式，則雙方媒合配對成功。To illustrate the application manner of the redemption mode performed by the redemption platform 30 in the preferred embodiment, please refer to FIG. 6 , wherein the redemption mode executed by the redemption platform 30 includes a full redemption process, and the first redemption process is used to make the first A user and the second user exchange all of their currencies in one time. When the first user presets a payment information (A) 12 through the first electronic device 10, the second user transmits the second information through the second user. The electronic device 20 presets another payment information (B) 22, and the second user wishes to convert the entire amount represented by the payment information (B) to another currency at a defined exchange rate, and the first user Also agreeing to such a redemption method, the two parties match successfully.
於本較佳實施例中，該兌換平台30執行的兌換模式可進一步包括一拆分兌換程序，如圖7所示，該拆分兌換程序係由使用者接受其他使用者與之兌換其所刊登金額總數之部分金額，當該第一使用者於該第一電子裝置10預設該款項資訊(A)12，該第二使用者可在該第二電子裝置20上將預設的款項資訊(B)22之一部份金額資訊221，透過該兌換平台30交換同意權，與所提供給該第二使用者之兌換金額，由該第一使用者決定。In the preferred embodiment, the redemption mode performed by the redemption platform 30 may further include a split redemption process. As shown in FIG. 7, the split redemption process is accepted by the user to be exchanged with other users. And the second user can preset the payment information on the second electronic device 20 when the first user presets the payment information (A) 12 in the first electronic device 10 ( B) 22 part of the amount information 221, the exchange right is exchanged through the exchange platform 30, and the exchange amount provided to the second user is determined by the first user.
於本較佳實施例中，該兌換平台30執行的兌換模式可進一步包括一定額兌換程序，如圖8所示，該定額兌換程序係由使用者可將總金額依比例或自行設定拆分成若干的部份金額資訊221，接受其他使用者分別兌換這些部份金額資訊221，不同於拆分模式，該定額兌換程序所拆分之部份金額資訊221的金額與數量，均由該第二使用者在該第二電子裝置20上決定，並透過該兌換平台30交換同意權，該第一使用者僅得就其提供之該款項資訊(A)12進行交換。In the preferred embodiment, the redemption mode performed by the redemption platform 30 may further include a certain amount of redemption procedure. As shown in FIG. 8, the quota redemption procedure is performed by the user to divide the total amount into proportions or self-settings. A number of partial amount information 221, accepting other users to separately convert these partial amount information 221, which is different from the split mode, and the amount and quantity of the partial amount information 221 split by the quota redemption process are all by the second The user decides on the second electronic device 20 and exchanges the right of consent through the redemption platform 30, and the first user only has to exchange the payment information (A) 12 provided by the user.
綜上所述，本發明具有確認機制的媒合匯兌系統的上述較佳實施例，可達到的優點包括：1.利用網路資訊交換技術，提供使用者線上公開刊登其貨幣之交換需求與條件，俾媒合同意之其它使用者進行不同幣別的兌換，過程中確保兌換的匯率公開透明，且為基於自由意願的兌換，使用者可以選擇提供對其最有利匯率或交換方式之款項、金額與數量進行交換。2.利用網路與該兌換平台30的即時連線方式，確認兌換雙方的匯款狀況及過程，以確保兌換是在雙方同意且安全的環境中進行。3.提供多種的匯兌資訊交換方式，提供使用者以最方便的方式進行兌換，不管是小金額的兌換，或是大金額的兌換，皆有相應合適的方式提供使用者進行兌換。In summary, the present invention has the above-mentioned preferred embodiment of the mediation exchange system with the confirmation mechanism, and the achievable advantages include: 1. Using the network information exchange technology to provide users with online exchange of their currencies and requirements and conditions for online exchange. Other users who agree to the media match the exchange of different currencies. In the process, the exchange rate of the exchange is transparent and the user can choose to provide the most favorable exchange rate or exchange method for the exchange based on free will. Exchange with quantity. 2. Using the instant connection method of the network and the redemption platform 30, confirm the remittance status and process of the redemption parties to ensure that the redemption is carried out in a mutually agreed and safe environment. 3. Provide a variety of exchange information exchange methods, provide users with the most convenient way to redeem, whether it is a small amount of redemption, or a large amount of redemption, there is a suitable way to provide users for redemption.
10‧‧‧第一電子裝置10‧‧‧First electronic device
11‧‧‧幣別資訊(A)11‧‧‧ Currency Information (A)
12‧‧‧款項資訊(A)12‧‧‧ Payment Information (A)
20‧‧‧第二電子裝置20‧‧‧Second electronic device
21‧‧‧幣別資訊(B)21‧‧‧ Currency Information (B)
22‧‧‧款項資訊(B)22‧‧‧payment information (B)
221‧‧‧部份金額資訊221‧‧‧ Partial amount information
30‧‧‧兌換平台30‧‧‧Exchange platform
40‧‧‧伺服器40‧‧‧Server
50‧‧‧第三方平台50‧‧‧ Third Party Platform
圖1 係本發明一較佳實施例的系統架構方塊圖。 圖2 係本發明一較佳實施例的線下交易機制應用狀態示意圖。 圖3 係本發明一較佳實施例的系統確認機制應用狀態示意圖。 圖4 係本發明一較佳實施例的匯款模式應用狀態示意圖。 圖5 係本發明一較佳實施例的又一匯款模式應用狀態示意圖。 圖6 係本發明一較佳實施例的全額兌換程序應用狀態示意圖。 圖7 係本發明一較佳實施例的拆分兌換程序應用狀態示意圖。 圖8 係本發明一較佳實施例的定額兌換程序應用狀態示意圖。 圖9 係已知的金融機構兌換機制。 圖10 係已知的民間兌換機制。1 is a block diagram of a system architecture in accordance with a preferred embodiment of the present invention. 2 is a schematic diagram of an application state of an offline transaction mechanism according to a preferred embodiment of the present invention. 3 is a schematic diagram of an application state of a system confirmation mechanism according to a preferred embodiment of the present invention. 4 is a schematic diagram of an application state of a money transfer mode according to a preferred embodiment of the present invention. FIG. 5 is a schematic diagram of another remittance mode application state according to a preferred embodiment of the present invention. 6 is a schematic diagram of an application state of a full redemption program according to a preferred embodiment of the present invention. FIG. 7 is a schematic diagram of an application state of a split redemption program according to a preferred embodiment of the present invention. FIG. 8 is a schematic diagram of an application state of a quota redemption program according to a preferred embodiment of the present invention. Figure 9 is a known financial institution exchange mechanism. Figure 10 is a known private exchange mechanism.
Claims (9)
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| TW343312B (en) * | 1995-09-14 | 1998-10-21 | Citibank Ag | Computer system for automatic data management and method for operating the system a computer system for an automatic data management includes at least the management of data relating to the trading of warrants. |
| US20090248574A1 (en) * | 2008-03-28 | 2009-10-01 | Leung Florence F L | Peer-to-peer currency exchange and associated systems and methods |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW343312B (en) * | 1995-09-14 | 1998-10-21 | Citibank Ag | Computer system for automatic data management and method for operating the system a computer system for an automatic data management includes at least the management of data relating to the trading of warrants. |
| US20090248574A1 (en) * | 2008-03-28 | 2009-10-01 | Leung Florence F L | Peer-to-peer currency exchange and associated systems and methods |
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