本發明係有關於金融服務系統及方法，更詳而言之，係有關於一種應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金環境的金融服務系統及方法，使用者能利用提領終端而能提領旅遊所在地幣值的現金，並將所提領的當地幣值現金金額，以第三方支付的方式進行帳戶扣款。The present invention relates to a financial service system and method, and more particularly to a financial service system and method for a user to obtain a cash environment by a third party payment method in a foreign/cross-border/multinational manner, using The person can use the withdrawal terminal to withdraw the cash of the local currency of the tourist, and deduct the local currency cash amount from the withdrawal by the third party.
於目前習知的第三方支付交易環境中，例如，淘寶線上購物，雖然可使用線上交易平台所提供的第三方支付功能，例如，支付寶，來進行線上交易，然而，無法提供現金提領的功能，換言之，目前第三方支付所能提供的交易服務僅在於線上購物交易。In the current third-party payment transaction environment, for example, Taobao online shopping, although the third-party payment function provided by the online trading platform, for example, Alipay, can be used for online transactions, however, it is not possible to provide cash withdrawal. Functionality, in other words, the transaction services currently available for third-party payments are only for online shopping transactions.
又，就目前的第三方支付而言，例如，支付寶，雖有線上發紅包業務，然，究其運作方式而言，本質仍然是第三方支付平台的轉帳業務，而並非是創新的概念，換言之，目前第三方支付，例如，支付寶，所能提供的發紅包功能，仍是停留在第三方支付平台的轉帳業務，而無法提供現金提領的功能。Moreover, as far as the current third-party payment is concerned, for example, Alipay, although the red-box business is sent on the cable, the mode of operation is still the transfer service of the third-party payment platform, not the concept of innovation, in other words. At present, third-party payment, for example, Alipay, the red envelope function that can be provided is still the transfer service of the third-party payment platform, and cannot provide the function of cash withdrawal.
再，就目前信用卡預借現金而言，例如，中國信託信用卡每筆預借現金手續費為每筆預借現金金額×3。5%+150元，當提領現金越多時，則手續費相對應增加，而此種現金提領計費方式，對於使用者而言，並不是划算的選項。In addition, as for the current credit card pre-borrowing cash, for example, the cash handling fee for each credit card of China Trust Credit Card is 3.5% + 150 yuan per cash advance, and the more cash is charged, the handling fee Corresponding increase, and such cash withdrawal method, for the user,Not a cost-effective option.
於中華民國專利公報之發明公告/公開554300「跨國式交易付款系統」中，所揭露之習知技術，係為提供一種跨國式交易付款系統，可讓使用者在本國的網路商家進行交易外，亦可至他國合作的網路商家透過網際網路來進行交易；另，可讓國外的消費者，至網路商店進行交易時，只要輸入其在當地國使用的付款帳號(如電信帳號)及其相關的身份驗證資訊即可完成整個交易程序；再，可透過行動電話、WAP手機、3G手機、PDA、WebBrowser、市內電話及Email等多元化方式來完成付費程序及取得服務。然，於該發明中，未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。In the invention announcement/publication 554300 "Transnational Transaction Payment System" of the Republic of China Patent Gazette, the prior art disclosed is to provide a multinational transaction payment system that allows users to conduct transactions outside their home network merchants. You can also go to the Internet merchants in other countries to conduct transactions through the Internet; in addition, you can let foreign consumers, when you go to the online store to trade, just enter the payment account (such as the telecom account) used in the local country. ) and its associated authentication information to complete the entire transaction process; then, through the mobile phone, WAP mobile phone, 3G mobile phone, PDA, WebBrowser, local telephone and email, etc. to complete the payment process and access services. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.
於中華民國專利公報之發明公告/公開I262415「IC卡之跨行消費之方法」中，所揭露之習知技術，係為提供一種IC卡之跨行消費之方法，其係利用一IC卡可於任何環境下進行消費之行為，例如：移動式或固定式電信通話系統、銀行自動提款機(ATM)、個人數位助理(PDA)以及網際網路等等，以提供一使用者具有一便利性極佳消費之方法；另，IC卡之跨行消費之方法，其係利用一IC卡之安全機制，以擴充IC卡之利用範圍，例如：單純之金融行為，以擴充至一消費行為，以提供一使用者具有一安全性極佳消費之方法。然，於該發明中，未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。In the invention of the Republic of China Patent Gazette/Public I262415 "Method of Inter-bank Consumption of IC Cards", the prior art disclosed is a method for providing inter-bank consumption of an IC card, which can utilize an IC card for any Consumer behavior in the environment, such as mobile or fixed telecommunications systems, ATMs, personal digital assistants (PDAs), and the Internet to provide a user with a convenient The method of good consumption; in addition, the method of inter-bank consumption of IC cards uses an IC card security mechanism to expand the scope of use of IC cards, such as: pure financial behavior, to expand to a consumer behavior to provide a The user has a method of excellent consumer safety. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.
於中華民國專利公報之發明公告/公開I382365「無卡式電子錢包系統」中，所揭露之習知技術，係為一種無卡式電子錢包系統，包括一管理平台連接一電子錢存提操作平台及一儲值平台，其中該管理平台儲存有使用者資訊及對應的存放金額，當消費者欲儲值時，該電子錢存提操作平台係產生一包含儲值金額及使用者資訊的儲值資料予消費者，供消費者以之為依據支付所需金額，若儲值平台取得該儲值資料，即令該管理平台將儲值金額加計至對應的存放金額；當消費者欲提領電子錢時，該電子錢存提操作平台令管理平台以對應的存放金額減去所需金額，並提供一記載有所需金額的有形電子錢代幣，供消費者持該電子錢代幣付款消費。然，於該發明中，未揭露如何以第三方支付帳戶讓使用者能提領現金、並自第三方支付帳戶來予以扣款。In the invention announcement of the Republic of China Patent Gazette/Public I382365 "Cardless Electronic Wallet System", the prior art disclosed is a cardless electronic wallet system including a management platform connected to an electronic money depositing operation platform. And a stored value platform, wherein the management platform storesThe user information and the corresponding deposit amount are stored. When the consumer wants to store the value, the electronic money deposit operation platform generates a stored value data including the stored value and the user information for the consumer. In order to pay the required amount, if the stored value platform obtains the stored value data, the management platform will add the stored value to the corresponding deposit amount; when the consumer wants to withdraw the electronic money, the electronic money deposit and operation platform order The management platform subtracts the required amount from the corresponding deposit amount, and provides a tangible electronic money token with the required amount for the consumer to pay for the electronic money token. However, in the invention, it is not disclosed how to use a third party payment account to allow the user to withdraw cash and to debit the account from a third party payment.
於中華民國專利公報之發明公告/公開I462047「實現境外交易的網上交易方法及網上交易系統」中，所揭露之習知技術，係為海外支付寶(境外交易支付寶)的運作方式：(1)用戶登錄到境外交易網站，發送選中商品資訊；(2)境外交易網站向中間平臺發送交易請求；(3)中間平臺接收交易請求，先根據預先從金融平臺獲得的外幣匯率定價計算出此次交易的境內幣金額，後對經過身份驗證的用戶顯示此次交易的境內幣金額；(4)在接收到用戶的付款確認後，中間平臺將該用戶對應帳戶中相應的境內幣金額通過金融平臺購匯成對應境外幣操作；(5)中間平臺將付款成功的交易資訊發送至境外交易網站，以便境外交易網站進行發貨處理；(6)中間平臺與境外交易網站按週期完成清算及分成操作。In the invention announcement of the Republic of China Patent Gazette/Public I462047 "Online Trading Method and Online Trading System for Realizing Overseas Transactions", the disclosed prior art is the operation mode of overseas Alipay (Overseas Transaction Alipay): (1) The user logs in to the overseas trading website and sends the selected product information; (2) the overseas trading website sends a transaction request to the intermediate platform; (3) the intermediate platform receives the transaction request, and first calculates the foreign currency exchange rate obtained from the financial platform in advance. The amount of the domestic currency of the transaction, and then the amount of the domestic currency of the transaction is displayed to the authenticated user; (4) After receiving the payment confirmation from the user, the intermediate platform passes the corresponding domestic currency amount in the corresponding account of the user through the financial The platform purchases the foreign currency into the corresponding currency operation; (5) the intermediate platform sends the transaction information of the successful payment to the overseas transaction website for the overseas transaction website to carry out the delivery processing; (6) the intermediate platform and the overseas transaction website complete the liquidation and division according to the cycle operating.
於中華民國專利公報之發明公告/公開I464699「利用包含IC卡的身分證進行交易的支付系統及方法」中，所揭露之習知技術，係為利用包含IC卡的身分證進行交易的支付方法，包括：(1)身分證讀卡器讀出包含用戶身分證號的用戶身分資訊；(2)將用戶身分資訊和商戶輸入的交易金額用預先設定的第一加密密鑰加密，用戶輸入的帳戶密碼用所述發卡行對應的銀行加密密鑰進行加密，並將之傳送至中間平台；(3)中間平台解密接收到的資訊，並將包括身分證資訊、帳號密碼、交易金額的交易資訊傳送至對應的發卡子系統；(4)若交易資訊未包含銀行帳號，則發卡子系統查找所述用戶身分證號對應的銀行帳號，核對解密後的帳戶密碼，處理所述交易並將交易處理結果返回。In the invention publication of the Republic of China Patent Publication No. I464699, "Payment System and Method for Trading Using an Identity Card Containing an IC Card", the conventional technique disclosed is a payment method for conducting a transaction using an identity card including an IC card. , including: (1) the identity card reader reads the user identity information containing the user ID number; (2) the user identity information and the merchant input transactionThe amount is encrypted with a preset first encryption key, the account password input by the user is encrypted by the bank encryption key corresponding to the card issuing bank, and transmitted to the intermediate platform; (3) the intermediate platform decrypts the received information, And transmitting the transaction information including the identity card information, the account password, and the transaction amount to the corresponding card issuing subsystem; (4) if the transaction information does not include the bank account number, the card issuing subsystem searches for the bank account corresponding to the user identity card number, Check the decrypted account password, process the transaction and return the transaction processing result.
於中華民國專利公報之發明公告/公開201423625「將虛擬帳戶餘額運用於實體購物之交易系統及其方法」中，所揭露之習知技術係為，使用者具有第三方支付平台的帳戶，並可通過帳戶之帳號與密碼向第三方支付平台申請一組虛擬卡號；於交易時，端點銷售設備可接受虛擬卡號的輸入，並依虛擬卡號判別收單銀行後，將消費資訊傳送至銀行伺服器；銀行伺服器將消費資訊傳送至卡號管理伺服器，再由卡號管理伺服器傳送至第三方支付平台，以對虛擬卡號運算得到對應帳戶的帳號與密碼。當第三方支付平台確認帳戶中的餘額足夠支付該筆交易時，該筆交易即可成立。中華民國專利公報之發明公告/公開201423625雖為將虛擬帳戶餘額運用於實體購物，然而，實體消費資訊還是必須傳送至銀行伺服器，而銀行伺服器將消費資訊傳送至卡號管理伺服器，再由卡號管理伺服器傳送至第三方支付平台。In the invention announcement/publication 201423625 of the Republic of China Patent Gazette, the "transaction system for applying virtual account balances to physical shopping and its method", the prior art disclosed is that the user has an account of a third-party payment platform, and Applying a set of virtual card numbers to the third-party payment platform through the account number and password of the account; at the time of the transaction, the endpoint sales device can accept the input of the virtual card number, and after discriminating the acquiring bank according to the virtual card number, transmitting the consumption information to the bank server The bank server transmits the consumption information to the card number management server, and then the card number management server transmits to the third party payment platform to calculate the account number and password of the corresponding account for the virtual card number. The transaction can be established when the third party payment platform confirms that the balance in the account is sufficient to pay for the transaction. The invention announcement/publication 201423625 of the Republic of China Patent Gazette is for the virtual account balance to be used for physical shopping. However, the physical consumption information must still be transmitted to the bank server, and the bank server transmits the consumption information to the card number management server, and then The card number management server is transmitted to a third party payment platform.
又，對於現行之第三方支付而言，僅能進行網路商品線上交易，雖然可使用線上交易平台所提供的第三方支付功能，例如，支付寶，來進行線上交易，然而，目前第三方支付所能提供的交易服務僅在於線上購物交易；又，就目前的第三方支付而言，例如，支付寶，雖有線上發紅包業務，然，其運作仍然是第三方支付平台的轉帳業務，而無法提供現金提領的功能；再，就目前信用卡預借現金而言，當提領現金越多時，則手續費相對應增加，而此種現金提領收費方式，對於使用者而言，並不是合算的選項。Moreover, for the current third-party payment, only online goods online transactions can be made, although the third-party payment function provided by the online trading platform, for example, Alipay, can be used for online transactions, however, the current third-party payment office The only transaction services that can be provided are online shopping transactions; in addition, in the case of current third-party payments, for example, Alipay, although red packets are wiredBusiness, of course, its operation is still the transfer service of the third-party payment platform, and can not provide the function of cash withdrawal; then, in the current credit card pre-borrowing cash, the more the cash withdrawal, the corresponding increase in the handling fee And such cash withdrawal method is not a cost-effective option for users.
所以如何尋求一種應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金環境的金融服務系統及方法，可讓使用者於外地/跨境/跨國旅行時，利用提領終端而能提領旅遊所在地幣值的現金，並將所提領的當地幣值現金金額，以第三方支付的方式進行帳戶扣款，讓使用者無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換，且於現金提領收費服務時，無須因現金金額增加而付出對應增加的手續費用，可解決上述之習知缺點，乃是待解決的問題。So how to find a financial service system and method that can be used by users in the field/cross-border/national cross-border to obtain a cash environment by means of third-party payment, which allows users to use the terminal when traveling in a foreign/cross-border/transnational way. The cash can be denominated in the local currency of the tourist, and the amount of the local currency cash amount can be deducted from the account in the form of a third party payment, so that the user does not need to use the credit card, the ATM card, and does not need to be in the local area where the tourist is located. The bank/currency exchange office carries out currency conversion, and when cash is charged for the fee-based service, it is not necessary to pay a corresponding increase in the handling fee due to the increase in the cash amount. The above-mentioned conventional shortcomings can be solved, which is a problem to be solved.
本發明之主要目的便是在於提供一種金融服務系統及方法，係應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金的環境中，可讓使用者於外地/跨境/跨國旅行時，利用提領終端而能提領旅遊所在地幣值的現金，並將所提領的當地幣值現金金額，以第三方支付的方式進行帳戶扣款，讓使用者無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換。The main purpose of the present invention is to provide a financial service system and method for users to use the third party payment method to withdraw cash in a foreign/cross-border/multinational environment, and to allow users to be in a foreign/cross-border environment. / When traveling internationally, use the withdrawal terminal to withdraw the cash value of the local currency of the tourist, and deduct the local currency cash amount from the withdrawal by the third party, so that the user does not need to be in the local area where the tourist is located. Currency exchange at the bank/money exchange office.
本發明之又一目的便是在於提供一種金融服務系統及方法，係應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金的環境中，使用者於外地/跨境/跨國旅行時，利用提領終端提出現金提領請求(request)，當現金提領請求資訊被處理完成後，將對使用者第三方支付帳戶進行扣款、且使用者可於提領終端提領相對應於帳戶已扣款金額之旅遊所在地幣值的現金。Another object of the present invention is to provide a financial service system and method for users in an environment where foreign/cross-border/multinational can withdraw cash by means of third-party payment, and the user is in the field/cross-border/ When traveling internationally, use the withdrawal terminal to make a cash withdrawal request (request), and when the cash withdrawal request information is processed, the user will pay the account to the third party.The deduction is made, and the user can withdraw the cash of the currency of the travel corresponding to the amount of the account debited at the withdrawal terminal.
本發明之再一目的便是在於提供一種金融服務系統及方法，係應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金的環境中，使用者於外地/跨境/跨國旅行時，無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換，且於現金提領收費服務時，無須因現金金額增加而付出對應增加的手續費用。A further object of the present invention is to provide a financial service system and method for use in an environment where a user can withdraw cash in a foreign/cross-border/multinational manner by means of a third party payment method, and the user is in the field/cross-border/ When traveling internationally, there is no need to use credit cards, ATM cards, currency exchange at the local bank/currency exchange where the tour is located, and there is no need to increase the processing fee when the cash is charged.
根據以上所述之目的，本發明提供一種金融服務系統，該金融服務系統包含服務模組、以及資料庫。According to the above, the present invention provides a financial service system including a service module and a database.
服務模組，使用者利用提領終端提出現金提領請求，該服務模組配合資料庫於接收到由提領終端而來之使用者身份及現金提領請求的資訊後，會將之傳送至第三方支付業者；第三方支付業者將接收使用者身份及現金提領請求的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者會將確認訊息傳送至該服務模組，以便讓使用者能於提領終端能提領旅遊所在地幣值的現金；在此，第三方支付業者按使用者所提領的當地幣值現金金額，以第三方支付的方式對使用者第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。The service module, the user uses the withdrawal terminal to make a cash withdrawal request, and the service module cooperates with the database to receive the information of the user identity and the cash withdrawal request from the withdrawal terminal, and then transmits the information to the Third-party payment providers; third-party payment providers will receive user identity and cash withdrawal request information, after the user identity verification and cash withdrawal request inspection and approval, third-party payment providers will send confirmation messages To the service module, so that the user can withdraw the cash of the local currency of the travel at the terminal; here, the third-party payment provider pays the local currency cash amount of the user, and the third party pays The user collects the account from the third party payment account and processes the subsequent settlement of the account settlement.
資料庫，該資料庫會儲存由提領終端而來之使用者身份及現金提領請求的資訊、以及確認訊息，以便日後存查之用。A database that stores information about the user's identity and cash withdrawal request from the withdrawal terminal, as well as a confirmation message for later review.
利用本發明之金融服務系統以進行金融服務方法流程時，首先，進行現金提領請求動作；使用者利用提領終端提出現金提領請求，該服務模組配合資料庫於接收到由提領終端而來之使用者身份及現金提領請求的資訊後，會將之傳送至第三方支付業者。When the financial service system of the present invention is used to perform the financial service method flow, first, a cash withdrawal request action is performed; the user uses the withdrawal terminal to make a cash withdrawal request, and the service module cooperates with the database to receive the withdrawal request terminal. User identity and cash withdrawal requestThe information will be transmitted to third-party payment providers.
接著，進行現金給付動作；第三方支付業者接收使用者身份及現金提領請求的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者會將確認訊息傳送至該服務模組，以便讓使用者能於提領終端能提領旅遊所在地幣值的現金；在此，第三方支付業者按使用者所提領的當地幣值現金金額，以第三方支付的方式對使用者第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。Then, the cash payment action is performed; the third party payment provider receives the user identity and the cash withdrawal request information, and after the user identity verification and the cash withdrawal request are checked and approved, the third party payment provider will confirm the message. Transmitted to the service module, so that the user can withdraw the cash of the local currency of the travel destination at the withdrawal terminal; here, the third-party payment provider pays the local currency value of the cash drawn by the user in the form of a third party payment. The user's third-party payment account is debited and the subsequent billing settlement process is processed.
為使熟悉該項技藝人士瞭解本發明之目的、特徵及功效，茲藉由下述具體實施例，並配合所附之圖式，對本發明詳加說明如後。The present invention will be described in detail by the following detailed description of the embodiments of the invention and the accompanying drawings.
1‧‧‧金融服務系統1‧‧‧Financial Service System
2‧‧‧服務模組2‧‧‧Service Module
3‧‧‧資料庫3‧‧‧Database
4‧‧‧伺服器4‧‧‧Server
5‧‧‧使用者5‧‧‧Users
6‧‧‧提領終端6‧‧‧Retracting terminal
7‧‧‧第三方支付業者7‧‧‧ Third party payers
8‧‧‧第三方支付業者8‧‧‧ Third party payers
51‧‧‧使用者身份51‧‧‧ User identity
52‧‧‧使用者身份52‧‧‧ User identity
61‧‧‧現金提領請求61‧‧‧ Cash withdrawal request
62‧‧‧現金提領請求62‧‧‧Cash withdrawal request
71‧‧‧確認訊息71‧‧‧Confirmation message
72‧‧‧確認訊息72‧‧‧Confirmation message
101 102‧‧‧步驟101 102‧‧‧Steps
201 202‧‧‧步驟201 202‧‧‧Steps
301 302‧‧‧步驟301 302‧‧‧Steps
第1圖為一系統示意圖，用以顯示說明本發明之金融服務系統之系統架構、以及運作情形；第2圖為一流程圖，用以顯示說明利用如第1圖中之本發明之金融服務系統以進行金融服務方法的流程步驟；第3圖為一示意圖，用以顯示說明本發明之金融服務系統的一實施例、以及運作情形；第4圖為一流程圖，用以顯示說明利用如第3圖中之本發明之金融服務系統的實施例以進行金融服務方法的一流程步驟；第5圖為一示意圖，用以顯示說明本發明之金融服務系統的又一實施例、以及運作情形；以及第6圖為一流程圖，用以顯示說明利用如第5圖中之本發明之金融服務系統的又一實施例以進行金融服務方法的又一流程步驟。1 is a system diagram for illustrating a system architecture and operation of a financial service system of the present invention; and FIG. 2 is a flow chart for showing a financial service using the present invention as in FIG. The system is used to perform the process steps of the financial service method; FIG. 3 is a schematic diagram showing an embodiment of the financial service system and the operation of the present invention; and FIG. 4 is a flow chart for showing the use of Embodiment 3 of the financial service system of the present invention in FIG. 3 is a process step of performing a financial service method; FIG. 5 is a schematic view showing another embodiment and operation of the financial service system illustrating the present invention; And FIG. 6 is a flow chart for showing another flow of steps for explaining a financial service method using still another embodiment of the financial service system of the present invention as in FIG. 5.
第1圖為一系統示意圖，用以顯示說明本發明之金融服務系統之系統架構、以及運作情形。如第1圖中所示之，金融服務系統1包含服務模組2、以及資料庫3，在此，服務模組2、以及資料庫3係由電腦硬體、韌體、軟體的至少其中之一所組成。Figure 1 is a system diagram showing the system architecture and operation of the financial services system of the present invention. As shown in FIG. 1 , the financial service system 1 includes a service module 2 and a database 3, where the service module 2 and the database 3 are at least one of a computer hardware, a firmware, and a software. A composition.
服務模組2，使用者(未圖示之)於外地/跨境/跨國旅行時，利用提領終端(未圖示之)提出現金提領請求(未圖示之)，該服務模組2配合資料庫3於接收到由提領終端而來之使用者身份(未圖示之)及現金提領請求的資訊(未圖示之)後，會將之傳送至第三方支付業者(未圖示之)；第三方支付業者將接收使用者身份及現金提領請求的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者會將確認訊息(未圖示之)傳送至該服務模組2，以便讓使用者能於提領終端能提領旅遊所在地幣值的現金；在此，第三方支付業者按使用者所提領的當地幣值現金金額以第三方支付的方式對使用者第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。The service module 2, when the user (not shown) travels in a foreign country/cross-border/transnational time, uses a withdrawal terminal (not shown) to make a cash withdrawal request (not shown), and the service module 2 In cooperation with the database 3, after receiving the user identity (not shown) from the withdrawal terminal and the cash withdrawal request information (not shown), it will be transmitted to the third-party payment provider (not shown). Third party payment provider will receive the user identity and cash withdrawal request information, after the user identity verification and cash withdrawal request inspection and approval, the third party payment provider will confirm the message (not The illustration is transmitted to the service module 2, so that the user can withdraw the cash of the local currency of the travel destination at the withdrawal terminal; here, the third party payment provider is in accordance with the local currency cash amount deducted by the user. The three-way payment method deducts the user's third-party payment account and handles the subsequent settlement of the account settlement.
資料庫3，該資料庫3會儲存由提領終端而來之使用者身份及現金提領請求的資訊、以及確認訊息，以便日後存查之用。In the database 3, the database 3 stores the information of the user identity and the cash withdrawal request from the withdrawal terminal, and the confirmation message for later investigation.
於本發明中，使用者於旅遊地之旅行係為外地旅行、跨境旅行、以及跨國旅行的其中之一，而當使用者於外地/跨境/跨國旅行時，可利用本發明之金融服務系統1無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換，且於現金提領收費服務時，無須因現金金額增加而付出對應增加的手續費用。In the present invention, the user's travel at the tourist destination is one of foreign travel, cross-border travel, and cross-border travel, and the financial service of the present invention can be utilized when the user travels in a foreign/cross-border/transnational manner. System 1 does not need to use credit cards, ATM cards, and does not need to exchange currency at the local bank/currency exchange office where the tour is located. When cash is charged for the fee service, there is no need to pay a corresponding increase in the amount of cash.
第2圖為一流程圖，用以顯示說明利用如第1圖中之本發明之金融服務系統以進行金融服務方法的流程步驟。如第2圖中所示之，首先，於步驟101，進行現金提領請求動作；使用者利用提領終端提出現金提領請求，該服務模組2配合資料庫3於接收到由提領終端而來之使用者身份及現金提領請求的資訊後，會將之傳送至第三方支付業者，並進到步驟102。Figure 2 is a flow chart showing the flow of steps for a financial services method using the financial services system of the present invention as in Figure 1. As shown in FIG. 2, first, in step 101, a cash withdrawal request action is performed; the user uses the withdrawal terminal to make a cash withdrawal request, and the service module 2 cooperates with the database 3 to receive the withdrawal terminal. After the user identity and the cash withdrawal request information, the information will be transmitted to the third party payment provider, and the process proceeds to step 102.
於步驟102，進行現金給付動作；第三方支付業者接收使用者身份及現金提領請求的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者會將確認訊息傳送至該服務模組2，以便讓使用者能於提領終端能提領旅遊所在地幣值的現金；在此，第三方支付業者按使用者所提領的當地幣值現金金額，以第三方支付的方式對使用者第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。In step 102, a cash payment action is performed; the third party payment provider receives the user identity and the cash withdrawal request information, and after performing the user identity verification and the cash withdrawal request check and approval, the third party payment provider will The confirmation message is transmitted to the service module 2, so that the user can withdraw the cash of the local currency of the tourist at the withdrawal terminal; here, the third party payment provider uses the local currency cash amount deducted by the user to the third party. The payment method deducts the user's third-party payment account and processes the subsequent settlement of the account settlement.
第3圖為一示意圖，用以顯示說明本發明之金融服務系統的一實施例、以及運作情形。如第3圖中所示之，金融服務系統1包含服務模組2、以及資料庫3，在此，金融服務系統1係位於伺服器4，而服務模組2、以及資料庫3係由電腦硬體、韌體、軟體的至少其中之一所組成。Figure 3 is a schematic diagram showing an embodiment of the financial services system of the present invention and its operation. As shown in FIG. 3, the financial service system 1 includes a service module 2 and a database 3, where the financial service system 1 is located at the server 4, and the service module 2 and the database 3 are composed of a computer. At least one of a hard body, a firmware, and a soft body.
服務模組2，在台灣旅遊之來自中國大陸的使用者5，利用提領終端6提出現金提領請求61，在此，提領終端6係可為，例如：金融機構櫃檯、ATM提款機、超商或提供買賣之實體商店的第三方支付電子裝置；該服務模組2配合資料庫3於接收到由提領終端6而來之使用者身份51及現金提領請求61的資訊後，會將之傳送至第三方支付業者7，例如，支付寶；第三方支付業者7將接收使用者身份51及現金提領請求61的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者7會將確認訊息71傳送至該服務模組2，而該服務模組2會將確認訊息71傳送至提領終端6之伺服端(未圖示之)，例如，伺服端為旅遊所在地台灣當地的第一銀行(台灣當地之金融機構/銀行)，或，伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方，以便讓使用者5能於提領終端6能提領旅遊所在地台幣幣值的現金；在此，第三方支付業者7按使用者所提領的台灣當地台幣現金金額以第三方支付的方式對使用者5第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。The service module 2, the user from mainland China who travels in Taiwan 5, uses the withdrawal terminal 6 to make a cash withdrawal request 61, where the withdrawal terminal 6 can be, for example, a financial institution counter or an ATM cash machine. a super-commercial or third-party payment electronic device providing a physical store for sale and purchase; the service module 2 cooperates with the database 3 to receive the information of the user identity 51 and the cash withdrawal request 61 from the withdrawal terminal 6 It will be transmitted to a third-party payment provider 7, for example, Alipay; the third-party payment provider 7 will receive the user identity 51 and the cash withdrawal request 61 information for the user identity verification and cash withdrawal request check and After approval, third party payment provider 7 will confirmThe message 71 is transmitted to the service module 2, and the service module 2 transmits the confirmation message 71 to the server (not shown) of the delegating terminal 6, for example, the server is the first bank in Taiwan where the tourist location is located. (Taiwan's local financial institution/bank), or the server is the 7-11 super-business company to which the terminal 6 (third-party payment electronic device) belongs to the super-commercial, so that the user 5 can deduct the terminal 6 can withdraw the cash value of the Taiwanese currency in the place where the tourist is located; here, the third-party payment provider 7 deducts the user's 5 third-party payment account by the third-party payment according to the amount of the local Taiwanese currency cash drawn by the user, and Processing subsequent billing settlement processing.
資料庫3，該資料庫3會儲存由提領終端6而來之使用者身份51及現金提領請求61的資訊、以及確認訊息71，以便日後存查之用。In the database 3, the database 3 stores the information of the user identity 51 and the cash withdrawal request 61 from the withdrawal terminal 6, and the confirmation message 71 for later investigation.
於本實施例中，金融服務系統1所在之伺服器4係可位於提領終端6之伺服端，或位於第三方支付業者7，或位於現金提領處理中心(未圖示之)，或位於台灣結算代理銀行(例如，財金資訊股份有限公司/台灣銀行)(未圖示之)，或位於中國大陸結算代理銀行(例如，中國人民銀行)(未圖示之)，或位在有別於第三方支付業者7之另一金融服務第三方(未圖示之)，端視實際施行情況而定。In this embodiment, the server 4 where the financial service system 1 is located may be located at the server end of the deferred terminal 6, or at the third party payment provider 7, or at a cash withdrawal processing center (not shown), or located at Taiwan Settlement Bank (for example, Caixin Information Co., Ltd. / Bank of Taiwan) (not shown), or located in China Mainland Settlement Bank (for example, People's Bank of China) (not shown), or in different Another financial services third party (not shown) of the third party payment provider 7 depends on the actual implementation.
第三方支付業者7(例如，支付寶)所處理後續之提領帳務結算處理係依據第三方支付業者7、二岸之結算代理銀行、現金提領處理中心和提領終端所屬銀行，共同約定或是兩造間所約定的結算時間，由現金提領處理中心將第三方支付帳戶使用者5提領金額等資訊送至二岸之結算代理銀行，進行國內或跨境或跨國提領帳務結算處理，其中結算帳務包含第三方支付帳戶使用者5提領金額、結算代理銀行手續費、現金提領處理中心手續費以及提領終端所屬銀行手續費的結算。The subsequent settlement of the account settlement process handled by the third-party payment provider 7 (for example, Alipay) is based on the third-party payment provider 7, the settlement agent bank of the second bank, the cash withdrawal processing center, and the bank of the withdrawal terminal. It is the settlement time agreed between the two establishments. The cash withdrawal processing center will send the third-party payment account user 5 withdrawal amount and other information to the settlement bank of the second bank for domestic or cross-border or international cross-border settlement. Processing, wherein the settlement account includes a third-party payment account user 5 withdrawal amount, a settlement agent bank fee, a cash withdrawal processing center fee, and a settlement of the bank charge of the terminal.
又，於本實施例中，雖為來自於中國大陸的使用者5以旅遊所在地台灣之台幣幣值利用支付寶帳戶進行台幣現金提領，然，對於台灣使用者於台灣利用支付寶帳戶進行台幣現金提領、台灣使用者於中國大陸利用支付寶帳戶進行人民幣現金提領、以及中國大陸使用者於外地(仍在中國大陸內)利用支付寶帳戶進行人民幣現金提領而言，其理相同、類似於本實施例中所述之，是故，在此不再贅述之。Moreover, in the present embodiment, although the user from the mainland China 5 uses the Alipay account to conduct the Taiwanese currency cash withdrawal using the Taiwanese currency value of the tourist location in Taiwan, the Taiwanese user uses the Alipay account in Taiwan for cash withdrawal. The use of Alipay accounts for renminbi cash withdrawals in mainland China and the use of Alipay accounts for renminbi cash withdrawals by mainland Chinese users (still in mainland China) are similar, similar to this embodiment. It is described in the above, and will not be described here.
另，對於跨國提領現金而言，例如，來自於台灣的使用者以旅遊所在地日本北海道之日幣幣值利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領，以及，例如，台灣使用者於台灣利用支付寶帳戶或台灣第三方支付帳戶進行台幣現金提領，日本使用者於台灣利用支付寶帳戶或台灣第三方支付帳戶進行台幣現金提領，日本使用者於外地(仍在日本境內)利用支付寶帳戶或台灣第三方支付帳戶進行日幣現金提領，其理相同、類似於本實施例中所述之，是故，在此不再贅述之。In addition, for cross-border withdrawal of cash, for example, users from Taiwan use the Alipay account or the Taiwan third-party payment account for the Japanese currency denomination in the Japanese currency of Hokkaido, where the tourist is located, and, for example, Taiwanese users. In Taiwan, using Alipay account or Taiwan third-party payment account for cash withdrawal in Taiwan, Japanese users use Taiwan Alipay account or Taiwan third-party payment account to withdraw cash in Taiwan, and Japanese users use Alipay in foreign countries (still in Japan) The account or the third-party payment account in Taiwan conducts Japanese currency cash withdrawal, which is the same as that described in the embodiment, and is not described here.
再，雖在本實施例中，第三方支付業者係為支付寶，惟，對於其他第三方支付業者，例如，台灣第三方支付公司，美國第三方支付業者，日本第三方支付業者等等，其理相同、類似於本實施例中所述之，是故，在此亦不再贅述之。Moreover, although in this embodiment, the third-party payment provider is Alipay, but for other third-party payment providers, for example, Taiwan third-party payment companies, US third-party payment providers, Japanese third-party payment providers, etc. The same, similar to that described in the embodiment, is not described here.
第4圖為一流程圖，用以顯示說明利用如第3圖中之本發明之金融服務系統的實施例以進行金融服務方法的一流程步驟。Figure 4 is a flow chart showing a flow of steps for implementing a financial services method using an embodiment of the financial services system of the present invention as in Figure 3.
如第4圖中所示之，首先，於步驟201，進行現金提領請求動作；在台灣旅遊之來自中國大陸的使用者5，利用提領終端6提出現金提領請求61，該服務模組2配合資料庫3於接收到由提領終端6而來之使用者身份51及現金提領請求61的資訊後，會將之傳送至第三方支付業者7，例如，支付寶，並進到步驟202。As shown in FIG. 4, first, in step 201, a cash withdrawal request action is performed; a user 5 from mainland China who travels in Taiwan uses the withdrawal terminal 6 to make a cash withdrawal request 61, the service module 2 cooperate with the database 3 to receive the user identity from the withdrawal terminal 6 51After the cash withdrawal request 61 information, it will be transmitted to the third party payment provider 7, for example, Alipay, and proceeds to step 202.
於步驟202，進行現金給付動作；第三方支付業者7將接收使用者身份51及現金提領請求61的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者7會將確認訊息71傳送至該服務模組2，而該服務模組2會將確認訊息71傳送至提領終端6之伺服端，以便讓使用者5能於提領終端6能提領旅遊所在地台幣幣值的現金；在此，第三方支付業者7按使用者所提領的台灣當地台幣現金金額以第三方支付的方式對使用者5第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。In step 202, a cash payment action is performed; the third party payment provider 7 will receive the user identity 51 and the cash withdrawal request 61 information, after performing user identity verification and cash withdrawal request checking and approval, the third party The payment provider 7 transmits the confirmation message 71 to the service module 2, and the service module 2 transmits the confirmation message 71 to the server of the withdrawal terminal 6, so that the user 5 can provide the request terminal 6 The cash of the Taiwanese currency in the location where the tourist is located; here, the third-party payment provider 7 deducts the user's 5 third-party payment account by the third-party payment according to the amount of the local Taiwanese currency cash drawn by the user, and processes the subsequent Pick up the bill settlement process.
第5圖為一示意圖，用以顯示說明本發明之金融服務系統的又一實施例、以及運作情形。如第5圖中所示之，金融服務系統1包含服務模組2、以及資料庫3，在此，金融服務系統1係位於伺服器4，而服務模組2、以及資料庫3係由電腦硬體、韌體、軟體的至少其中之一所組成。Figure 5 is a schematic diagram showing still another embodiment of the financial services system of the present invention and its operation. As shown in FIG. 5, the financial service system 1 includes a service module 2 and a database 3, where the financial service system 1 is located at the server 4, and the service module 2 and the database 3 are composed of a computer. At least one of a hard body, a firmware, and a soft body.
服務模組2，在中國大陸旅遊之來自台灣的使用者5，利用提領終端6提出現金提領請求62，在此，提領終端6係可為，例如：金融機構櫃檯、ATM提款機、超商或提供買賣之實體商店的第三方支付電子裝置；該服務模組2配合資料庫3於接收到由提領終端6而來之使用者身份52及現金提領請求62的資訊後，會將之傳送至第三方支付業者8，在此，第三方支付業者8係為台灣第三方支付公司，該第三方支付為台灣第三方支付，係台灣第三方支付公司所提供的支付機制；第三方支付業者8將接收使用者身份52及現金提領請求62的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者8會將確認訊息72傳送至該服務模組2，而該服務模組2會將確認訊息72傳送至提領終端6之伺服端(未圖示之)，例如，伺服端為旅遊所在地中國大陸當地的中國人民銀行(中國大陸當地之金融機構/銀行)，或，伺服端為超商之提領終端6(第三方支付電子裝置)所屬之7-11超商的公司方，以便讓使用者5能於提領終端6能提領旅遊所在地中國大陸人民幣幣值的現金；在此，第三方支付業者8按使用者所提領的中國大陸當地人民幣現金金額以第三方支付的方式對使用者5之台灣第三方支付公司的第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。The service module 2, the user from Taiwan who travels in mainland China 5, uses the withdrawal terminal 6 to make a cash withdrawal request 62, where the withdrawal terminal 6 can be, for example, a financial institution counter or an ATM cash machine. a super-commercial or third-party payment electronic device providing a physical store for sale and purchase; the service module 2 cooperates with the database 3 to receive the information of the user identity 52 and the cash withdrawal request 62 from the withdrawal terminal 6 It will be transmitted to the third-party payment provider8, where the third-party payment provider 8 is a third-party payment company in Taiwan, and the third-party payment is a third-party payment in Taiwan, which is a payment mechanism provided by a third-party payment company in Taiwan; The three-party payment provider 8 will receive the user identity 52 and the cash withdrawal request 62 information. After the user identity verification and the cash withdrawal request are checked and approved, the third party payment provider 8 will transmit the confirmation message 72 to The service module 2, andThe service module 2 transmits the confirmation message 72 to the server (not shown) of the delegating terminal 6, for example, the server is the local Chinese People's Bank of China (the local financial institution/bank in mainland China) where the tourist is located. Or, the server is the 7-11 super-business company to which the terminal 6 (third-party payment electronic device) belongs to the super-commercial terminal, so that the user 5 can extract the RMB in the Chinese mainland where the tourist terminal is located. Cash in the currency value; here, the third-party payment provider 8 deducts the third-party payment account of the third-party payment company of the user 5 in the manner of third-party payment according to the local RMB cash amount deducted by the user. And handle the subsequent billing settlement process.
資料庫3，該資料庫3會儲存由提領終端6而來之使用者身份52及現金提領請求62的資訊、以及確認訊息72，以便日後存查之用。The database 3, the database 3 stores the information of the user identity 52 and the cash withdrawal request 62 from the withdrawal terminal 6, and the confirmation message 72 for later investigation.
於本實施例中，金融服務系統1所在之伺服器4係可位於提領終端6之伺服端，或位於第三方支付業者8，或位於現金提領處理中心(未圖示之)，或位於台灣之結算代理銀行(例如，財金資訊股份有限公司/台灣銀行)(未圖示之)，或位於中國大陸之結算代理銀行(例如，中國人民銀行)(未圖示之)，或位在有別於第三方支付業者8之另一金融服務第三方(未圖示之)，端視實際施行情況而定。In this embodiment, the server 4 where the financial service system 1 is located may be located at the server end of the deferred terminal 6, or at the third party payment provider 8, or at a cash withdrawal processing center (not shown), or located at Taiwan's settlement agency bank (for example, Caixin Information Co., Ltd. / Bank of Taiwan) (not shown), or a settlement agent bank in China (for example, the People's Bank of China) (not shown), or at Another financial services third party (not shown) that is different from the third party payment provider 8 depends on the actual implementation.
為台灣第三方支付公司的第三方支付業者8所處理後續之提領帳務結算處理係依據第三方支付業者8、二岸之結算代理銀行、現金提領處理中心和提領終端所屬銀行，共同約定或是兩造間所約定的結算時間，由現金提領處理中心將第三方支付帳戶使用者5提領金額等資訊送至結算代理銀行，進行國內或跨國提領帳務結算處理，其中結算帳務包含第三方支付帳戶使用者5提領金額、結算代理銀行手續費、現金提領處理中心手續費以及提領終端所屬銀行手續費的結算。The third party payment provider for the third-party payment company in Taiwan handles the subsequent settlement of the account settlement based on the third-party payment provider 8, the settlement agent bank of the second bank, the cash withdrawal processing center and the bank of the withdrawal terminal. The agreement or the settlement time agreed between the two establishments, the cash withdrawal processing center will send the third-party payment account user 5 withdrawal amount and other information to the settlement agent bank for domestic or international settlement of account settlement, where settlement The account includes the amount of the third-party payment account user 5 withdrawal, the settlement agent bank fee, the cash withdrawal processing center fee, and the settlement of the bank handling fee of the terminal.
又，於本實施例中，雖為來自於中國大陸的使用者5以旅遊所在地台灣之台幣幣值利用支付寶帳戶進行台幣現金提領，然，對於台灣使用者於台灣利用支付寶帳戶進行台幣現金提領、台灣使用者於中國大陸利用支付寶帳戶進行人民幣現金提領、以及中國大陸使用者於外地(仍在中國大陸內)利用支付寶帳戶進行人民幣現金提領而言，其理相同、類似於本實施例中所述之，是故，在此不再贅述之。Moreover, in the present embodiment, although the user from the mainland China 5 uses the Alipay account to conduct the Taiwanese currency cash withdrawal using the Taiwanese currency value of the tourist location in Taiwan, the Taiwanese user uses the Alipay account in Taiwan for cash withdrawal. The use of Alipay accounts for renminbi cash withdrawals in mainland China and the use of Alipay accounts for renminbi cash withdrawals by mainland Chinese users (still in mainland China) are similar, similar to this embodiment. It is described in the above, and will not be described here.
又，於本實施例中，雖為來自於台灣的使用者5以旅遊所在地中國大陸之人民幣幣值利用台灣第三方支付帳戶進行人民幣現金提領，然，對於台灣使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、中國大陸使用者於台灣利用台灣第三方支付帳戶進行台幣現金提領、以及中國大陸使用者於外地(仍在中國大陸內)利用台灣第三方支付帳戶進行人民幣現金提領而言，其理相同、類似於本實施例中所述之，是故，在此不再贅述之。Moreover, in the present embodiment, although the user 5 from Taiwan uses the value of the renminbi of the mainland of China where the tourist is located, the third party payment account of Taiwan is used for cash denomination of the renminbi, and for the Taiwanese user to use the third party payment in Taiwan. The account is used for cash withdrawals in Taiwan, Chinese users in Taiwan use Taiwan's third-party payment accounts for cash withdrawals, and mainland Chinese users in the field (still in mainland China) use Taiwan's third-party payment accounts for RMB cash withdrawals. The reason is the same, similar to that described in the embodiment, and is not described here.
第6圖為一流程圖，用以顯示說明利用如第5圖中之本發明之金融服務系統的又一實施例以進行金融服務方法的又一流程步驟。Figure 6 is a flow chart showing still another flow of steps for performing a financial service method using yet another embodiment of the financial services system of the present invention as in Figure 5.
如第6圖中所示之，首先，於步驟301，進行現金提領請求動作；在中國大陸旅遊之來自台灣的使用者5，利用提領終端6提出現金提領請求62，該服務模組2配合資料庫3於接收到由提領終端6而來之使用者身份52及現金提領請求62的資訊後，會將之傳送至第三方支付業者8，並進到步驟302，在此，第三方支付業者8係為台灣第三方支付公司。As shown in FIG. 6, first, in step 301, a cash withdrawal request action is performed; a user 5 from Taiwan who travels in mainland China uses the withdrawal terminal 6 to make a cash withdrawal request 62, the service module. 2, after receiving the information of the user identity 52 and the cash withdrawal request 62 from the withdrawal terminal 6, the cooperation database 3 transmits the information to the third party payment provider 8, and proceeds to step 302, where The three-party payment industry 8 is a third-party payment company in Taiwan.
於步驟302，進行現金給付動作；第三方支付業者8將接收使用者身份52及現金提領請求62的資訊，於進行使用者身份驗證、以及現金提領請求的檢查與核可後，第三方支付業者8會將確認訊息72傳送至該服務模組2，而該服務模組2會將確認訊息72傳送至提領終端6之伺服端，以便讓使用者5能於提領終端6能提領旅遊所在地中國大陸人民幣幣值的現金；在此，第三方支付業者8按使用者所提領的中國大陸當地人民幣現金金額以第三方支付的方式對使用者5之台灣第三方支付公司的第三方支付帳戶進行扣款，並處理後續之提領帳務結算處理。In step 302, a cash payment action is performed; the third party payment provider 8 will receive the user identity 52 and the cash withdrawal request 62 information for user authentication and cash.After the check and approval of the request, the third party payer 8 transmits a confirmation message 72 to the service module 2, and the service module 2 transmits the confirmation message 72 to the server of the claim terminal 6, so that Allowing the user 5 to withdraw the cash of the renminbi denomination in the mainland of China where the tourist terminal is located; here, the third-party payment provider 8 pays the amount of local renminbi cash in the mainland of China according to the user’s payment by third party. The third party payment account of the third party payment company of the user 5 of Taiwan is debited, and the subsequent settlement of the account settlement is processed.
綜合以上之該些實施例，我們可以得到本發明之一種金融服務系統及方法，係應用於使用者於外地/跨境/跨國能以第三方支付方式提領現金的環境中，利用本發明之金融服務系統及方法，可讓使用者於外地/跨境/跨國旅行時，利用提領終端而能提領旅遊所在地幣值的現金，並將所提領的當地幣值現金金額，以第三方支付的方式進行帳戶扣款，讓使用者無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換。本發明之金融服務系統及方法包含以下優點：In combination with the above embodiments, we can obtain a financial service system and method of the present invention, which is applied to an environment in which a user can withdraw cash in a foreign/cross-border/multinational manner by means of a third-party payment method, and utilizes the present invention. The financial service system and method enable users to use the withdrawal terminal to withdraw cash in the local currency of the travel destination when they travel in a foreign/cross-border/transnational way, and to pay the local currency cash amount to the third party. The way to debit the account, so that users do not need to exchange currency at the local bank/currency exchange where the tour is located. The financial service system and method of the present invention includes the following advantages:
1.可讓使用者於外地/跨境旅行時，利用提領終端而能提領旅遊所在地幣值的現金，並將所提領的當地幣值現金金額，以第三方支付的方式進行帳戶扣款，讓使用者無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換。1. Allow users to use the withdrawal terminal to withdraw the cash value of the local currency when traveling in the field/cross-border, and deduct the local currency cash amount from the withdrawal by the third party. Allow users to exchange currency at the local bank/currency exchange where they are located.
2.利用提領終端提出現金提領請求，當現金提領請求資訊被處理完成後，將對使用者第三方支付帳戶進行扣款、且使用者可於提領終端提領相對應於帳戶已扣款金額之旅遊所在地幣值的現金。2. Using the withdrawal terminal to make a cash withdrawal request, when the cash withdrawal request information is processed, the user's third party payment account will be debited, and the user can deduct the terminal corresponding to the account has been The debit amount of the cash in the currency of the tourist location.
3.使用者於外地/跨境旅行時，無須利用信用卡、提款卡、並無須於旅遊所在地之當地銀行/貨幣兌換處進行幣值兌換，且於現金提領收費服務時，無須因現金金額增加而付出對應增加的手續費用。3. When traveling in a foreign/cross-border way, users do not need to use credit cards, ATM cards, and do not need to exchange currency at the local bank/currency exchange where the tourist is located, and receive cash in cash.When the fee is paid, there is no need to pay a corresponding increase in the amount of cash due to the increase in the amount of cash.
以上所述僅為本發明之較佳實施例而已，並非用以限定本發明之範圍；凡其它未脫離本發明所揭示之精神下所完成之等效改變或修飾，均應包含在下述之專利範圍內。The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the present invention; all other equivalent changes or modifications which are not departing from the spirit of the present invention should be included in the following patents. Within the scope.
101 102‧‧‧步驟101 102‧‧‧Steps
| Application Number | Priority Date | Filing Date | Title |
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| TW104111650ATW201636915A (en) | 2015-04-10 | 2015-04-10 | Financial service system and method |
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| TW104111650ATW201636915A (en) | 2015-04-10 | 2015-04-10 | Financial service system and method |
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| TW201636915Atrue TW201636915A (en) | 2016-10-16 |
| Application Number | Title | Priority Date | Filing Date |
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| TW104111650ATW201636915A (en) | 2015-04-10 | 2015-04-10 | Financial service system and method |
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