TWM584498U - Foreign exchange swap processing system - Google Patents

Foreign exchange swap processing system Download PDF

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Publication number
TWM584498U
TWM584498U TW108208710U TW108208710U TWM584498U TW M584498 U TWM584498 U TW M584498U TW 108208710 U TW108208710 U TW 108208710U TW 108208710 U TW108208710 U TW 108208710U TW M584498 U TWM584498 U TW M584498U
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exchange
exchange rate
currency
transaction
foreign
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TW108208710U
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陳雅如
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元大商業銀行股份有限公司
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Abstract

一種換匯處理系統，包含一用以發送一身分識別資訊的使用者裝置，及一與該使用者裝置連線的銀行主機，該銀行主機接收來自該使用者裝置的身分識別資訊，該銀行主機存有一記錄多個網銀帳戶資訊及一換匯對照表的資料庫，並藉由比對該身分識別資訊，以從該資料庫取得一對應該身分識別資訊的網銀帳戶資訊，且根據該網銀帳戶資訊計算出一換匯評分，進而透過該換匯評分對該換匯對照表進行查表，以得到一換匯調整值。A currency exchange processing system includes a user device for transmitting an identification information, and a bank host connected to the user device. The bank host receives the identification information from the user device, and the bank host There is a database that records multiple online banking account information and a currency exchange comparison table, and compares the identity identification information to obtain a pair of online banking account information that should correspond to the identification information from the database, and according to the online banking account information An exchange rate score is calculated, and the exchange rate comparison table is looked up by the exchange rate score to obtain an exchange rate adjustment value.

Description

換匯處理系統Exchange processing system

本新型是有關於一種處理系統，特別是指一種換匯處理系統。The present invention relates to a processing system, in particular to a currency exchange processing system.

外幣定存與投資已是非常普及的理財項目，為了讓客戶更能掌握外幣定存與投資的時間及操作方向，現階段大部分的銀行會提供即期匯率資訊，以及根據客戶預設的目標匯率，來通知客戶進行外幣兌換交易，然，隨著外幣定存與投資日益熱絡，如何發展出一套吸引優質客戶持續投資，甚至加碼投資的換匯系統，已是目前銀行積極發展的其中一項業務。Fixed deposit and investment in foreign currencies is a very popular financial management project. In order to allow customers to better grasp the time and operation direction of fixed deposit and investment in foreign currencies, most banks at this stage will provide spot exchange rate information and according to customers' preset goals Exchange rate to inform customers of foreign currency exchange transactions. However, with the growing enthusiasm of foreign currency deposits and investments, how to develop a foreign exchange system that attracts high-quality customers to continue investing and even overweight investments has become one of the active developments of banks. A business.

因此，本新型的目的，即在提供一種根據一客戶的換匯評分，以得到一相關於該換匯評分的換匯優惠的換匯處理系統。Therefore, the purpose of the present invention is to provide a currency exchange processing system based on a customer's currency exchange score to obtain a currency exchange discount related to the currency exchange score.

於是，本新型提供了一種換匯處理系統，包含一用以發送一身分識別資訊的使用者裝置，及一與該使用者裝置連線的銀行主機，該銀行主機接收來自該使用者裝置的身分識別資訊，且存有一記錄多個網銀帳戶資訊及一換匯對照表的資料庫，並藉由比對該身分識別資訊，以從該資料庫取得一對應該身分識別資訊的網銀帳戶資訊，且根據該網銀帳戶資訊計算出一換匯評分，進而透過該換匯評分對該換匯對照表進行查表，以得到一換匯調整值。Therefore, the present invention provides a currency exchange processing system, which includes a user device for transmitting an identification information, and a bank host connected to the user device, and the bank host receives an identity from the user device. Identification information, and a database of multiple online banking account information and a currency exchange comparison table is stored, and the identity identification information is compared to obtain a pair of online banking account information corresponding to the identification information from the database, and according to The online banking account information calculates an exchange rate score, and then uses the exchange rate score to look up the exchange rate comparison table to obtain an exchange rate adjustment value.

本新型的功效在於：藉由該使用者裝置與該銀行主機彼此連線運作，使該銀行主機根據該網銀帳戶資訊自動地算出要提供給該客戶的該換匯調整值，為不同客戶提供差異化的換匯匯率，以達到提高優質客戶持續投資甚至加碼投資之意願的功效。The effect of the new model is that by connecting the user device and the bank host to each other, the bank host can automatically calculate the exchange adjustment value to be provided to the customer based on the online banking account information, and provide differences for different customers. Exchange rate to achieve the effect of improving the willingness of quality customers to continue to invest or even increase their investment.

在本新型被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。Before the new model is described in detail, it should be noted that in the following description, similar elements are represented by the same number.

參閱圖1，本新型換匯處理系統是由具有確定形狀且佔據一定空間的多個物品（例如用於傳輸資料封包的同軸電纜、網路纜線、伺服器、計算主機、資料運算中心等相關電腦硬體設備）間的網路連線（如直接纜線電連接或無線連接）配合程序作業系統所組合的結構特徵（也就是涉及軟體與硬體資源協同運作的特徵技術）的一較佳實施例，本實施例包含一使用者裝置2、一與該使用者裝置連線的銀行主機3，及一與該銀行主機3連線的外匯主機4。Referring to FIG. 1, the new currency exchange processing system is composed of a plurality of articles having a certain shape and occupying a certain space (such as coaxial cables, network cables, servers, computing hosts, data computing centers, etc. for transmitting data packets). Computer hardware equipment) network connection (such as direct cable electrical connection or wireless connection) combined with the program operating system combined structural characteristics (that is, software and hardware resources related to the feature technology) a better technology This embodiment includes a user device 2, a bank host 3 connected to the user device, and a foreign exchange host 4 connected to the bank host 3.

在本實施例中，該使用者裝置2是透過行動通訊系統接到網際網路(internet)，以連線該銀行主機3，進而執行網路銀行的操作。該銀行主機3與該外匯主機4的連線是銀行總部之內部的區域網路(LAN)連線（例如以具有確定形狀且佔據一定空間的纜線電連接或經由無線收發機提供無線網路連線來傳遞資料流），該外匯主機4則是透過網際網路連線到政府的外匯主管機關的外匯伺服器，以取得一即期外匯匯率表。In this embodiment, the user device 2 is connected to the Internet through a mobile communication system, so as to connect to the bank host 3, and then perform the operation of the online bank. The connection between the bank host 3 and the foreign exchange host 4 is a local area network (LAN) connection within the bank's headquarters (for example, an electrical connection with a cable having a certain shape and occupying a certain space or a wireless network provided via a wireless transceiver Connection to transmit data streams), the foreign exchange host 4 is connected to the government's foreign exchange server's foreign exchange server through the Internet to obtain a spot foreign exchange rate table.

該銀行主機3包括一處理單元31，及一電連接該處理單元31的儲存單元32，該處理單元31用以執行一換匯處理流程，以及對該儲存單元32進行資料存取。其中，該儲存單元32儲存一記錄多個網銀帳戶資訊及一換匯對照表的資料庫。每一網銀帳戶資訊包括一外幣帳號，及一對應該外幣帳號的帳戶資訊。如表一所示，在本實施例中，該帳戶資訊具有一總資產值、一總資產權重、一授信餘額紀錄、一授信餘額權重、一信用紀錄、一信用紀錄權重、一網銀交易紀錄，及一網銀交易權重等多項屬於金融資產與往來紀錄。如表二所示，該換匯對照表列出多個換匯評分級距，多種外幣幣別，及多個可根據該多個換匯評分級距及該多種外幣幣別透過查表而得到的換匯調整值，但表一及表二所記載的內容僅為一種實施方式，當不以此為限。
項目/權重比例 細項 得分 A. 總資產均值 (30%) 近一個月「往來總資產」均值達新臺幣1,000萬元以上 25 近一個月「往來總資產」均值達新臺幣300萬元以上~未達1,000萬元 20 近一個月「往來總資產」均值達新臺幣100萬元以上~未達300萬元 15 近一個月「往來總資產」均值達新臺幣30萬元以上~未達100萬元 10 近一個月「往來總資產」均值未達新臺幣30萬元 0 B. 授信(貸款、***)餘額 (10%) 貸款餘額新臺幣1000萬以上 / ***循環餘額新臺幣30萬以上 10 貸款餘額新臺幣500萬以上~未達1000萬 / ***循環餘額新臺幣20萬以上~未達30萬 8 貸款餘額新臺幣100萬以上~未達500萬 / ***循環餘額新臺幣10萬以上~未達20萬 7 貸款餘額未達新臺幣100萬 / ***循環餘額未達新臺幣10萬 5 無授信往來 0 C. 還款紀錄 (10%) 每期如期還款且結清 10 每期如期還款但未結清 5 每期逾期還款且結清 0 每期逾期還款但未結清 -5 D. 網路銀行使用紀錄 (50%) 登入 (5%) 每月登入次數：7次以上 5 每月登入次數：5~6次 4 每月登入次數：3~4次 3 每月登入次數：1~2次 2 轉帳/繳款 (10%) 每月跨行轉帳及繳款次數：6次以上 10 每月跨行轉帳及繳款次數：3~5次 5 每月跨行轉帳及繳款次數：1~2次 3 外幣換匯交易 (15%) 每月結匯金額新臺幣100萬元以上 15 每月結匯金額新臺幣50萬元以上~未達100萬 10 每月結匯金額未達新臺幣50萬元 5 基金交易 (15%) 每月基金交易金額達新臺幣100萬元以上 15 每月基金交易金額達新臺幣30萬元以上~未達100萬 10 每月基金交易金額新臺幣10萬元以上~未達30萬 5 每月基金交易金額未達新臺幣10萬元 2 線上申辦業務 (5%) 每月申辦次數：5次以上 5 每月申辦次數：3~4次 3 每月申辦次數：1~2次 2 表一

換匯評分 換匯(優惠)調整值 (單位:分) 美金 USD 日幣 JPY 港幣 HKD 歐元 EUR ….. 80~100分 4 0.12 1.5 11 　… 60~79分 3.5 0.10 1.3 10 　… 40~59分 3 0.08 1.2 9 　… 20~39分 2.5 0.06 0.9 8 　… 0~19分 0 0 0 0 　… 表二 The bank host 3 includes a processing unit 31 and a storage unit 32 electrically connected to the processing unit 31. The processing unit 31 is configured to execute a currency exchange processing flow and perform data access to the storage unit 32. Wherein, the storage unit 32 stores a database which records a plurality of online banking account information and a currency exchange comparison table. Each online banking account information includes a foreign currency account number and a pair of account information corresponding to the foreign currency account number. As shown in Table 1, in this embodiment, the account information has a total asset value, a total asset weight, a credit balance record, a credit balance weight, a credit record, a credit record weight, and an online banking transaction record. And a number of online banking transaction weights and other financial assets and transaction records. As shown in Table 2, the exchange rate comparison table lists multiple exchange rate grading levels, multiple foreign currency currencies, and multiple exchange rate grading levels and multiple foreign currency currencies. The adjustment value of the exchange rate, but the content described in Tables 1 and 2 is only an embodiment, and it is not limited to this.         
Item / weight ratio Item Score A. Mean total assets (30%) In the past month, the average value of "total assets" reached over NT $ 10 million 25 In the past month, the average value of "total assets" has reached NT $ 3 million to NT $ 10 million 20 In the past month, the average value of "total assets" has reached NT $ 1 million ~~ 3 million 15 In the past month, the average value of "Total Assets" has reached NT $ 300,000 ~~ 1 million 10 The average value of `` total assets in current '' has not reached NT $ 300,000 in the past month 0 B. Credit (loan, credit card) balance (10%) Loan balance over NT $ 10 million / Credit card revolving balance over NT $ 300,000 10 Loan balance of NT $ 5 million to less than 10 million 8 Loan balance of more than NT $ 1 million to less than 5 million 7 Loan balance does not reach NT $ 1 million / Credit card revolving balance does not reach NT $ 100,000 5 Uncredited contacts 0 C. Repayment record (10%) Repayment and settlement as scheduled 10 Repayment on schedule but not outstanding 5 Overdue repayment and settlement every period 0 Overdue repayments but not outstanding -5 D. Internet Banking Record (50%) Login (5%) Logins per month: 7 or more 5 Logins per month: 5 ~ 6 times 4 Logins per month: 3 ~ 4 times 3 Logins per month: 1 ~ 2 times 2 Transfer / payment (10%) Monthly inter-bank transfers and payments: 6 or more 10 Monthly inter-bank transfers and payments: 3 ~ 5 times 5 Monthly inter-bank transfers and payment times: 1-2 times 3 Foreign currency exchange transactions (15%) Monthly settlement amount of NT $ 1 million or more 15 Monthly settlement amount of NT $ 500,000 to less than 1 million 10 The monthly foreign exchange settlement amount does not reach NT $ 500,000 5 Fund transactions (15%) The monthly fund transaction amount exceeds NT $ 1 million 15 The monthly fund transaction amount is more than NT $ 300,000 ~ less than 1 million 10 The monthly fund transaction amount is NT $ 100,000 to less than 300,000 5 The monthly fund transaction amount does not reach NT $ 100,000 2 Online bidding business (5%) Number of applications per month: 5 or more 5 Number of applications per month: 3 ~ 4 times 3 Number of monthly applications: 1-2 times 2 Table I         

Exchange rate Exchange (discount) adjustment value (unit: minute) USD USD Japanese yen JPY HKD HKD Euro EUR … .. 80 ~ 100 minutes 4 0.12 1.5 11 ... 60 ~ 79 minutes 3.5 0.10 1.3 10 ... 40 ~ 59 minutes 3 0.08 1.2 9 ... 20 ~ 39 minutes 2.5 0.06 0.9 8 ... 0 ~ 19 minutes 0 0 0 0 ... Table II       

值得一提的是，該總資產權重、該授信餘額權重、該信用紀錄權重、該網銀交易權重，及該換匯對照表的優惠調整幅度是可以由銀行端視情況而修改調整。It is worth mentioning that the preferential adjustment of the total asset weight, the credit balance weight, the credit record weight, the online banking transaction weight, and the exchange rate comparison table can be adjusted by the bank as appropriate.

為了更進一步說明本新型換匯處理系統的運作流程，下內容將針對一換匯處理流程及其步驟來呈現說明。In order to further explain the operation flow of the new currency exchange processing system, the following content will present a description of a currency exchange processing process and its steps.

參閱圖3，該換匯處理流程包含步驟一501~步驟八508，該換匯處理流程開始後，進入步驟一501。Referring to FIG. 3, the exchange exchange processing flow includes steps 1 501 to 8 508. After the exchange exchange processing flow starts, it proceeds to step 1 501.

在步驟一501中，該使用者裝置2接收一身分識別資訊及一交易資訊，其中，該身分識別資訊包括一識別碼與一對應該識別碼的密碼，該交易資訊包括一外幣幣別、一交易金額，及一交易目標，其中，該交易金額可以是以台幣計算，也可以是以外幣計算。在本實施例中，該交易目標含有一目標匯率、一指定交易形式，及一指定交易期間，而該指定交易形式可以是(a)一預約交易指示，在該指定交易期間的其中一個或多個營業日，當該目標匯率被滿足而產生一交易觸發資訊後，即根據該預約交易指示直接執行換匯交易，或者是(b)發送一供客戶確認該交易觸發資訊的通知訊息，待客戶指示後再行換匯交易，但皆不以此為限。之後進入步驟二502。In step 501, the user device 2 receives an identification information and a transaction information, wherein the identification information includes an identification code and a password corresponding to the identification code, and the transaction information includes a foreign currency currency, a The transaction amount and a transaction target, wherein the transaction amount may be calculated in Taiwan dollars or in a foreign currency. In this embodiment, the transaction target includes a target exchange rate, a specified transaction form, and a specified transaction period, and the specified transaction form may be (a) a reservation transaction instruction, one or more of which in the specified transaction period. Within one business day, when the target exchange rate is satisfied and a transaction trigger information is generated, the exchange transaction is executed directly according to the reserved transaction instruction, or (b) a notification message is sent for the customer to confirm the transaction trigger information, waiting for the customer After the instruction, exchange transactions can be performed, but they are not limited to this. Then proceed to step two 502.

在步驟二502中，該銀行主機3接收來自該使用者裝置2的該身分識別資訊及該交易資訊，且該處理單元31根據該識別碼對該資料庫進行查表，以取得對應該識別碼的一網銀登入資訊，並核對該密碼與該網銀登入資訊的設定密碼一致後，再根據該識別碼對該資料庫進行查表，以取得對應該識別碼的網銀帳戶資訊，之後進入步驟三503。In step 502, the bank host 3 receives the identification information and the transaction information from the user device 2, and the processing unit 31 performs a table lookup on the database according to the identification code to obtain a corresponding identification code. After logging in to the online banking account and verifying that the password is consistent with the password set for the online banking login information, then look up the database based on the identification code to obtain the online banking account information corresponding to the identification code, and then proceed to step three 503 .

在步驟三503中，該處理單元31分別根據該總資產值、該總資產權重、該授信餘額紀錄、該授信餘額權重、該信用紀錄、該信用紀錄權重、該網銀交易紀錄，及該網銀交易權重，計算出一換匯評分，之後進入步驟四504。In step three 503, the processing unit 31 is based on the total asset value, the total asset weight, the credit balance record, the credit balance weight, the credit record, the credit record weight, the online banking transaction record, and the online banking transaction, respectively. Weight, calculate a currency exchange score, and then proceed to step four 504.

在步驟四504中，該處理單元31的根據該外幣幣別及該換匯評分，對該換匯對照表進行查表，以得到一對應該外幣幣別的換匯調整值，之後進入步驟五505。In step four 504, the processing unit 31 looks up the exchange comparison table based on the foreign currency currency and the exchange rate score to obtain a pair of exchange adjustment values corresponding to the foreign currency currency, and then proceeds to step five. 505.

在步驟五505中，該銀行主機3連線該外匯主機4，以根據該外幣幣別取得一對應該外幣幣別的即期匯率，之後進入步驟六506。In step five 505, the bank host 3 connects to the foreign exchange host 4 to obtain a pair of spot exchange rates corresponding to the foreign currency currency according to the foreign currency currency, and then proceeds to step six 506.

在步驟六506中，該處理單元31根據該換匯調整值及該即期匯率，計算出一優惠匯率，之後進入步驟七507。In step six 506, the processing unit 31 calculates a preferential exchange rate according to the exchange adjustment value and the spot exchange rate, and then proceeds to step seven 507.

在步驟七507中，該處理單元31比對該優惠匯率與該目標匯率，以及判斷該營業日落在該指定交易期間內，當該優惠匯率低(優)於該目標匯率，則產生該交易觸發資訊，其中，該交易觸發資訊可以包括該優惠匯率、該目標匯率、該指定交易期間、該外幣幣別，及該交易金額，但不以此為限，之後進入步驟八508。In step 7507, the processing unit 31 compares the preferential exchange rate with the target exchange rate, and determines that the business sunset is within the specified transaction period. When the preferential exchange rate is lower (excellent) than the target exchange rate, the transaction trigger is generated. Information, wherein the transaction trigger information may include the preferential exchange rate, the target exchange rate, the designated transaction period, the foreign currency currency, and the transaction amount, but not limited thereto, and then proceed to step 8508.

在步驟八508中，該銀行主機3根據該指定交易形式，在該營業日直接進行換匯交易，或者是在該營業日發送一供客戶確認該交易觸發資訊的通知訊息到該使用者裝置2，其中，該通知訊息可以是透過即時通訊應用程式(APP)、手機簡訊，或電子郵件等方式傳送，但不以此為限，最後結束該換匯處理流程。In step eight 508, the bank host 3 directly performs a currency exchange transaction on the business day according to the designated transaction form, or sends a notification message to the user device 2 on the business day for the customer to confirm the transaction trigger information. In which, the notification message may be transmitted through an instant messaging application (APP), a mobile phone message, or email, but is not limited thereto, and finally the exchange process is ended.

綜上所述，上述實施例具有以下優點是：藉由本新型換匯處理系統的該銀行主機3根據該客戶的網銀帳戶資訊，對該網銀帳戶資訊的多個金融資產與往來紀錄，進行加權運算以得到該換匯評分，且根據該換匯評分對該換匯對照表進行查表，以達到對不同客戶提供差異化的換匯優惠，有效地提高優質客戶持續投資甚至加碼投資之意願，而達到本新型的創作目的。In summary, the above embodiment has the following advantages: the bank host 3 of the new currency exchange processing system performs weighted calculations on multiple financial assets and transaction records of the online banking account information according to the customer's online banking account information In order to obtain the exchange rate score and look up the exchange rate comparison table according to the exchange rate score, in order to provide differentiated exchange rate discounts for different customers, effectively improve the willingness of quality customers to continue to invest or even increase their investment, and Reach the creative purpose of this new type.

惟以上所述者，僅為本新型的實施例而已，當不能以此限定本新型實施的範圍，凡是依本新型申請專利範圍及專利說明書內容所作的簡單的等效變化與修飾，皆仍屬本新型專利涵蓋的範圍內。However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application for the new model and the contents of the patent specification are still Within the scope of this new patent.

2‧‧‧使用者裝置
3‧‧‧銀行主機
31‧‧‧處理單元
32‧‧‧儲存單元
4‧‧‧外匯主機
501‧‧‧步驟一
502‧‧‧步驟二
503‧‧‧步驟三
504‧‧‧步驟四
505‧‧‧步驟五
506‧‧‧步驟六
507‧‧‧步驟七
508‧‧‧步驟八2‧‧‧user device
3‧‧‧Bank Host
31‧‧‧processing unit
32‧‧‧Storage unit
4‧‧‧Forex Host
501‧‧‧step one
502‧‧‧Step 2
503‧‧‧Step Three
504‧‧‧Step 4
505‧‧‧Step 5
506‧‧‧Step 6
507‧‧‧Step 7
508‧‧‧Step 8

本新型的其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：
圖1是一本新型換匯處理系統的一立體示意圖；
圖2是一方塊圖，說明本新型換匯處理系統的一較佳實施例；及
圖3是一流程圖，說明該較佳實施例的一換匯處理流程。 Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which:
FIG. 1 is a schematic perspective view of a novel exchange processing system;
FIG. 2 is a block diagram illustrating a preferred embodiment of the new currency exchange processing system; and FIG. 3 is a flowchart illustrating a currency exchange processing flow of the preferred embodiment.

Claims (6)

一種換匯處理系統，包含：
一使用者裝置，發送一身分識別資訊；及
一銀行主機，與該使用者裝置連線，以接收來自該使用者裝置所傳送的身分識別資訊；該銀行主機存有一記錄多個網銀帳戶資訊及一換匯對照表的資料庫，並藉由比對該身分識別資訊，以從該資料庫取得一對應該身分識別資訊的網銀帳戶資訊，且根據該網銀帳戶資訊計算出一換匯評分，進而透過該換匯評分對該換匯對照表進行查表，以得到一換匯調整值。 A foreign exchange processing system includes:
A user device sends an identification information; and a bank host is connected with the user device to receive the identification information transmitted from the user device; the bank host stores a record of multiple online banking account information and A database of exchange comparison tables, and by comparing the identification information to obtain a pair of online banking account information corresponding to the identification information from the database, and calculating an exchange conversion score based on the online banking account information, and then using The exchange rate score looks up the exchange rate comparison table to obtain an exchange rate adjustment value. 如請求項1所述的換匯處理系統，其中，該使用者裝置還發送一具有一外幣幣別的交易資訊，該銀行主機還接收來自該使用者裝置所傳送的該交易資訊，且根據該外幣幣別與該換匯對照表進行查表，以得到對應該外幣幣別的該換匯調整值。The currency exchange processing system according to claim 1, wherein the user device also sends a transaction information with a foreign currency currency, the bank host also receives the transaction information transmitted from the user device, and according to the The foreign currency currency and the exchange rate comparison table are checked to obtain the exchange rate adjustment value corresponding to the foreign currency currency. 如請求項2所述的換匯處理系統，還包含一外匯主機，該外匯主機接收來自該銀行主機所傳送的該外幣幣別，且根據該外幣幣別取得一對應該外幣幣別的即期匯率，並傳送該即期匯率到該銀行主機，使該銀行主機根據該換匯調整值及該即期匯率，得到要提供給客戶的優惠匯率。The foreign exchange processing system according to claim 2, further comprising a foreign exchange host, the foreign exchange host receives the foreign currency currency transmitted from the bank host, and obtains a pair of spot currencies corresponding to the foreign currency currency according to the foreign currency currency Exchange rate, and send the spot exchange rate to the bank host, so that the bank host can get the preferential exchange rate to be provided to the customer according to the exchange adjustment value and the spot exchange rate. 如請求項3所述的換匯處理系統，其中，該交易資訊還具有一目標匯率及一指定交易期間，該銀行主機在該指定交易期間內比對到該優惠匯率低於該目標匯率時，產生供客戶確認該優惠匯率的通知訊息。The currency exchange processing system according to claim 3, wherein the transaction information further has a target exchange rate and a specified transaction period, and when the host of the bank compares the preferential exchange rate with the target exchange rate during the specified transaction period, A notification message is generated for customers to confirm the preferential exchange rate. 如請求項3所述的換匯處理系統，其中，該交易資訊還具有一目標匯率、一指定交易期間，及一預約交易指示，該銀行主機在該指定交易期間內比對到該優惠匯率低於該目標匯率時，即根據該預約交易指示進行換匯交易。The currency exchange processing system according to claim 3, wherein the transaction information further has a target exchange rate, a specified transaction period, and an appointment transaction instruction, and the bank host compares to the preferential exchange rate during the specified transaction period At the target exchange rate, the exchange transaction is performed according to the reserved transaction instruction. 如請求項1所述的換匯處理系統，其中，該銀行主機還包括一處理單元，該網銀帳戶資訊包括多項金融資產與往來紀錄，及分別對應該多項金融資產與往來紀錄的多個權重，該處理單元根據該多項金融資產與往來紀錄及該多個權重進行運算，以得到該換匯評分。The exchange exchange processing system according to claim 1, wherein the bank host further includes a processing unit, and the online banking account information includes a plurality of financial assets and transaction records, and a plurality of weights corresponding to the plurality of financial assets and transaction records, respectively. The processing unit performs calculations based on the plurality of financial assets and transaction records and the plurality of weights to obtain the exchange rate score.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI831578B (en) * 2023-01-17 2024-02-01 臺灣中小企業銀行股份有限公司 System for preventing and verifying financial transactions during non-business hour and method thereof

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI831578B (en) * 2023-01-17 2024-02-01 臺灣中小企業銀行股份有限公司 System for preventing and verifying financial transactions during non-business hour and method thereof

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