Automatic digital currency exchange method and automatic exchange teller machine

Abstract

The invention discloses an automatic digital currency exchange method and an automatic exchange teller machine, and relates to the field of exchange. The method comprises the steps that a mobile payment account is bound, the amount of paper money to be exchanged is converted into the amount of target currency, and the amount of the target currency is stored in the mobile payment account in the form of digital currency. According to the invention, banknotes of one currency can be conveniently and directly converted into digital currencies of another currency.

Description

Technical Field

[0001] The present application relates to the field of foreign exchange, and in particular to an automatic digital currency foreign exchange method and an automatic foreign exchange teller machine. Background Art

[0002] Currency exchange is the conversion of one currency into another. When a person needs to exchange currency, he or she needs to go to a currency exchange station to exchange banknotes. However, due to the limitations of business hours, language barriers and small coverage of some currency exchange stations, currency exchange is inconvenient.

[0003] With the popularization of digital payment, mobile payment is advancing rapidly, and new mobile payment technologies provide users with diversified and convenient payment services.

[0004] Therefore, how to conveniently convert paper money directly into digital currency for cross-border digital payments is a technical problem that needs to be solved urgently. Summary of the invention

[0005] The purpose of this application is to provide an automatic digital currency exchange method and an automatic currency exchange teller machine, which can conveniently exchange paper money of one currency directly into digital currency of another currency.

[0006] To achieve the above objectives, this application provides the following solutions:

[0007] In a first aspect, the present application provides an automatic digital currency exchange method, comprising: binding a mobile payment account; converting the amount of paper money to be exchanged into the amount of a target currency; and depositing the amount of the target currency into the mobile payment account in the form of digital currency.

[0008] On the second aspect, the present application provides an automatic digital currency exchange method based on ATM, including: registering a mobile payment account on a mobile phone; registering entry and exit documents on the ATM, and binding the entry and exit documents with the mobile payment account; depositing the banknotes to be exchanged into the ATM, confirming the amount of the banknotes to be exchanged, and converting it into the target currency amount; sending the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the ATM.

[0009] In the third aspect, the present application provides an automatic currency exchange teller machine, which includes: an ATM and a currency exchange module; the currency exchange module is integrated in the ATM; the ATM is used to receive function selections of the currency exchange module and deposits of banknotes to be exchanged; the currency exchange module is used to confirm the amount of deposited banknotes to be exchanged, and use the automatic digital currency exchange method described in claim 1 to complete the digital currency exchange.

[0010] According to the specific embodiments provided in this application, this application discloses the following technical effects:

[0011] The present application provides an automatic digital currency exchange method and an automatic currency exchange teller machine. By binding a mobile payment account, the amount of paper money to be exchanged is converted into the amount of a target currency, and then the target currency amount is deposited into the mobile payment account in the form of digital currency. In this way, paper money of one currency can be directly exchanged into digital currency of another currency, which is convenient for cross-border digital payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0013] Figure 1 This is a flow chart of an automatic digital currency exchange method in one embodiment of the present application;

[0014] Figure 2 A flowchart of an automatic digital currency exchange method based on an ATM provided in one embodiment of the present application;

[0015] Figure 3 A flowchart of the use of an automatic currency exchange teller machine provided in another embodiment of the present application. DETAILED DESCRIPTION

[0016] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0017] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, the present application is further described in detail below with reference to the accompanying drawings and specific implementation methods.

[0018] In an exemplary embodiment, Figure 1 As shown, the present application provides an automatic digital currency exchange method, including the following steps 101 to 103. Among them:

[0019] Step 101: Bind your mobile payment account.

[0020] Step 102: Convert the amount of the banknote to be exchanged into the amount of the target currency.

[0021] Step 103: Deposit the target currency amount in the form of digital currency into the mobile payment account.

[0022] Implementing the above steps 101 to 103 can conveniently convert paper money directly into digital currency, facilitating cross-border digital payments.

[0023] Based on the same inventive concept, the embodiment of the present application also provides an automatic digital currency exchange method based on ATM, such as Figure 2 As shown, the steps include steps 201 to 204. Among them:

[0024] Step 201: Register a mobile payment account on your mobile phone.

[0025] Step 202: Register the entry and exit documents on the ATM, and bind the entry and exit documents with the mobile payment account.

[0026] Step 203: Deposit the banknotes to be exchanged into the ATM, confirm the amount of the banknotes to be exchanged, and convert it into the target currency amount.

[0027] Step 204: Send the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the ATM.

[0028] In another exemplary embodiment of the present application, taking into account the language barriers and unfamiliarity with mobile payment operations of cross-border users, the specific method of registering a mobile payment account on the mobile phone in the above step 201 is: selecting a language on the ATM, and following the operation instruction video in the selected language, downloading the mobile payment software on the mobile phone and registering a mobile payment account.

[0029] In another exemplary embodiment of the present application, in order to realize the sending of digital currency, the specific implementation method of the above step 204 can be: using the NFC connection system inside the ATM and the NFC function of the mobile phone, the target currency amount is sent to the mobile payment account on the mobile phone in the form of digital currency.

[0030] In another exemplary embodiment of the present application, in order to realize the sending of digital currency, the specific implementation method of the above step 204 can also be: use the ATM to send the target currency amount in the form of digital currency to the bank server; transmit the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the bank server.

[0031] Through the ATM-based automatic digital currency exchange method, real-time currency exchange is carried out, providing cross-border personnel with the function of exchanging paper money for digital currency, and bringing a one-stop currency exchange service to "entry and exit document users".

[0032] Based on the same inventive concept, in an exemplary embodiment, the present application also provides an automatic currency exchange teller machine, including: an ATM and a currency exchange module. The currency exchange module is integrated in the ATM; the ATM is used to receive the function selection of the currency exchange module and the deposit of the banknotes to be exchanged; the currency exchange module is used to confirm the amount of the deposited banknotes to be exchanged, and use the above-mentioned automatic digital currency exchange method to complete the digital currency exchange.

[0033] As an optional implementation, the currency exchange module has a language switching function.

[0034] As an optional implementation, after the currency exchange module completes the digital currency exchange, the ATM is used to display the currency exchange fee.

[0035] As an optional implementation, when the mobile payment account is a mobile payment account on a mobile phone, the automatic currency exchange teller machine further includes: an NFC connection system. The currency exchange module sends the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the NFC connection system and the NFC function of the mobile phone.

[0036] As another optional implementation, when the mobile payment account is a mobile payment account on a mobile phone, the currency exchange module transmits the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through a bank server.

[0037] The Automatic Exchange Machine (AEM) can provide a one-stop exchange service for "entry and exit document users" through multilingual, easy-to-understand mobile payment software registration and binding teaching demonstrations. Through AEM, users can bind foreign currency banknotes to the payment and collection functions of the mobile payment software through the first step video teaching, and then deposit foreign currency into AEM, and can choose the currency with real-time exchange rate to achieve 24-hour automatic exchange.

[0038] AEM reduces the time cost of user registration and binding. ATM-like equipment facilitates subsequent expansion, and also expands the service scope and service time for users to choose to exchange foreign currency. It reduces the situation of cross-border personnel exchanging foreign currency privately, increases the commission income of bank-side ATMs, and increases the total amount of foreign exchange under the supervision of the bank.

[0039] Take WeChat and Alipay, two mobile payment software, as an example. Figure 3 , explaining a usage process of the automatic currency exchange teller machine of the present application.

[0040] 1. The user selects a language, downloads WeChat and Alipay on Android and iOS, uses the ATM scanning function, and registers and binds the passport or Hong Kong, Macau and Taiwan Compatriot Certificate to the ATM.

[0041] 2. After registration is completed, the passenger deposits the currency into the AEM automatic currency exchange machine, confirms the exchange amount, and converts it into RMB.

[0042] 3. Select digital currency and collect the exchange amount on your mobile phone through AEM's built-in NFC connection system.

[0043] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0044] This article uses specific examples to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core ideas of this application. At the same time, for those skilled in the art, according to the ideas of this application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as limiting this application.

Claims

1. An automatic digital currency exchange method, It is characterized in that include: Bind mobile payment account; Convert the amount of banknotes to be exchanged into the amount of target currency; Deposit the target currency amount into the mobile payment account in the form of digital currency.

2. An automatic digital currency exchange method based on ATM, It is characterized in that include: Register a mobile payment account on your mobile phone; Register your entry and exit documents on the ATM and bind your entry and exit documents with your mobile payment account; Deposit the banknotes to be exchanged into the ATM, confirm the amount of the banknotes to be exchanged, and convert it into the target currency amount; The target currency amount is sent to the mobile payment account on the mobile phone in the form of digital currency through the ATM.

3. The ATM-based automatic digital currency exchange method according to claim 2, It is characterized in that The target currency amount is sent to the mobile payment account on the mobile phone in the form of digital currency through the ATM, specifically including: Utilizing the NFC connection system inside the ATM and the NFC function on the mobile phone, the target currency amount is sent to the mobile payment account on the mobile phone in the form of digital currency.

4. The ATM-based automatic digital currency exchange method according to claim 2, It is characterized in that The target currency amount is sent to the mobile payment account on the mobile phone in the form of digital currency through the ATM, specifically including: Using an ATM to send the target currency amount in the form of digital currency to a bank server; The target currency amount in the form of digital currency is transmitted to the mobile payment account on the mobile phone through the bank server.

5. The ATM-based automatic digital currency exchange method according to claim 2, It is characterized in that Register a mobile payment account on your mobile phone, including: Select the language on the ATM, follow the instructional video in the selected language, download the mobile payment software on your mobile phone, and register a mobile payment account.

6. An automatic currency exchange teller machine, It is characterized in that The automatic currency exchange teller machine comprises: an ATM and a currency exchange module; The currency exchange module is integrated into the ATM; The ATM is used to receive the function selection of the currency exchange module and the deposit of the banknotes to be exchanged; The exchange module is used to confirm the amount of the deposited banknotes to be exchanged, and use the automatic digital currency exchange method of claim 1 to complete the digital currency exchange.

7. The automatic currency exchange teller machine according to claim 6, It is characterized in that The currency exchange module has a language switching function.

8. The automatic currency exchange teller machine according to claim 6, It is characterized in that After the currency exchange module completes the digital currency exchange, the ATM is used to display the currency exchange fee.

9. The automatic currency exchange teller machine according to claim 6, It is characterized in that When the mobile payment account is a mobile payment account on a mobile phone, the automatic currency exchange teller machine further comprises: an NFC connection system; The currency exchange module sends the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the NFC connection system and the NFC function of the mobile phone.

10. The automatic currency exchange teller machine according to claim 6, It is characterized in that When the mobile payment account is a mobile payment account on a mobile phone, the currency exchange module transmits the target currency amount in the form of digital currency to the mobile payment account on the mobile phone through the bank server.

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