CN1304511A - 用于货币兑换的方法和系统 - Google Patents
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Abstract
本发明是一种货币换算系统(10),它可以将第一货币值动态地换算为目标货币值,以辅助金融交易本地化与全球化。此系统(10)可以用作独立的换算系统或可以嵌入较大应用程序中,例如金融分析程序、电子数据表、目标装载文件、动态web(万维网)网页与其它动态生成内容、数据库或存储程序的组合或web商用程序。此系统(10)将起始货币(100)、目标货币(100)和交易规则(110)作为输入。此系统(10)保持货币汇率、货币历史、兑换规则和货币表示数据的数据库(20)。使用优化(230)和追溯(240)技术来处理部分汇率信息并找出涉及一系列货币换算的最佳定价。此系统(10)能产生单个结果或结果矩阵,用户可以从单个结果或结果矩阵中选择最佳定价。此系统(10)还可以将数字货币值格式化成专用于换算请求地的表示(330)。
Description
相关申请
本申请要求1998年3月30日提交的美国临时申请号60/079947、1998年3月30日提交的美国临时申请号60/079948和1998年12月21日提交的题为“Method and Apparatus for Localizing CurrencyValuation Independent of the Original and Objective Currencies”的美国专利申请号09/217257的优先权。
本发明的技术领域
本发明一般涉及计算机系统,并且更具体地涉及在计算机系统上将第一货币动态兑换为第二货币。
本发明的背景技术
兑换货币的需求在国际商业活动中正在不断出现问题,并且兑换货币的需求不仅包括在产品的发送者与接收者之间进行货币换算的需求,也包括发送者与接收者之间对产品的管理者及任何征税机构进行货币换算的需求。还有,货币之间的换算牵涉换算货币的表示以及换算货币值。
虽然货币兑换在表面值上是简单的算术问题,但要有效与直接地实施则存在许多障碍。这些障碍包括货币值的日期和时间敏感性以及汇率(rate)数据的复杂性,即,金钱的时间价值。货币汇率数据包括历史汇率、先前的市场收盘汇率、延迟市场汇率、及时市场汇率、未来汇率(预报并具有带息成分)、选择(有关货币卖出价或获取未来价格的赌注)、简易(stripped)债券和任何其它金融证券。货币汇率随一些因数而变化,诸如货币换算方向(即,从美元至德国马克,或从德国马克至美元)、出价、要价、交易大小依赖性、以及特定日期/时间/货币对(pairs)是丢失了(missing)还是不可获得的。
货币不断改变的相对值还使货币换算过程复杂。货币会经受突然和快速贬值以及再发行。另外,随时会引入新的货币,例如在1999年欧洲联盟国家一起联合推出一种新的货币,即欧元。
最后,货币没有一个确切的单位。例如,“元”能定义美国元、塞拉利昂元或许多其它的元。每一种元相互具有不同的值,此值随着使用、交易大小及时间而波动。元随着贸易(或者公布的出价/要价)发生地不同也具有不同的值。还有,某些特殊国家不是使用单一货币,而是通用多种货币。例如,在安道尔既公开使用法郎,又公开使用比索。
可靠的货币换算系统必须能处理以下情况:丢失(missing)汇率信息、通过一种或多种中间货币从一种原始货币基础(basis)换算为对象货币目标(objective currency target)、以及其中出价和要价或未来契约能显著地使这些结果贬值的交易费用与差额。
如果潜在客户想比较可从多个国家的源中获得的商品或服务的费用,诸如在终接那条线路的国家中的越洋电话电路,此任务迅速变得费时和麻烦。需要系统来有效地和准确地执行此任务。
在考虑包括财务报表和预测等的功能时,希望具有统一的资产基础,以便随时间跟踪货币数据。需要一种系统将货币换算成能随时进行比较的基础值。
国际贸易的一个新方式以因特网的形式出现。基于Web的贸易中的问题在于:在线目录以管理此在线目录的商行的本地货币显示价格信息而不管所提供产品的范畴、所接触的客户或目标市场如何。然而,全球贸易的语言或货币不是特定的,并需要一种方法,用来将货币从管理商行的基本货币换算为对于使用网站的潜在客户有用的货币。在货币之间进行换算的准确和可靠的装置对于阅读印刷出版物或者换句话说处于国际贸易中的潜在客户也将是有用的。
只从一种货币至另一种货币的值的兑换不足以完全解决货币兑换的问题。在各个国家不以同一方式显示货币,而客户期望利用普遍接受的句法标准使货币格式本地化。例如,对于Web用户,在访问另一个国家始发的网页时,查看以本地接受格式显示的此Web用户自己货币的价格是非常有用的。在遥远的地方以所期望的格式显示货币格式是复杂的并且目前利用现有的系统和方法不能管理。由于货币值不仅进行格式化,而且也可能包含前缀、后缀、独特的符号、以及下标和上标,所以,数字格式化的标准技术是不足的。
多语言与多货币网站的问题是:不是每一种语言或文化以同一种方式格式化货币(与数字)。例如,美国的1,000,000.00在德国变成1.000.000,00。另外,各种货币具有本地接受的显示格式。例如,一些地方将显示1’000’000和00/100(上标/下标)来替代1.000.000.00。而且,货币符号和格式化基于前缀、后缀与不同方式的负值处理。货币表示的差异使不熟悉特定货币和文化特色的银行产生功能问题。成功的货币兑换需要货币值的换算和表示符号的兑换以及以合适格式的显示。
最后,实用结果的缺少对于所有的数据处理操作是一个严重的问题,这在遇到差错或缺少信息时一般暂停。汇率数据可能在需要满足换算请求时不能立即获得。对于商务与数据处理来说,为了继续,在可靠换算系统中,需要一种处理丢失数据的方法。
仍然希望有一种方法和设备来提供容易的货币换算,以便在商务的自然工作流程中提供兑换。
本发明的一个目的是提供一种方法和设备,用于执行适应动态货币数据的货币换算。
本发明的另一目的是提供一种方法和设备,用于在因特网或基于Web的产品目录上以本地货币显示产品价格。
本发明的另一目的是提供一种方法和设备,用于为印制价格表的文本兑换而以本地货币兑换和显示货币值。
本发明的另一目的是提供一种方法和设备,将以外国货币单位表示的资产值换算成基本货币或任何其它外国货币或诸如金、铂、钯、银或铑的货币等效物。
本发明的另一目的是提供一种方法和设备,保持统一的资产基本定价,用于诸如财务报表之类的财务功能。
本发明的另一目的是提供一种方法和设备,通过利用快速、准确和可靠的货币换算来为货币投机提供套利机会。
本发明的另一目的是提供一种方法和设备,评估多个源以便根据本地化成本获取产品和服务,诸如比较在终接那条线路的国家中越洋电话电路的费用。
本发明的另一目的是提供一种方法和设备,根据欧元支持本地货币定价(1999年命令引入EUR货币单位)。
本发明的另一目的是提供一种方法和设备,支持计帐系统,以致于交易能符合FASB52(1981)标准,以便交易或兑换的资金平衡表以当前定价增加时提供交叉货币定价。
本发明的另一目的是提供一种方法和设备,通过提供可靠的货币定价和预测来为安排国际销售和交付提供逻辑支持。
本发明的另一目的是提供一种方法和设备,优化用于国际投资交易的费用或利益。
本发明的另一目的是提供一种方法和设备,对旅行者的支票和其它可兑换的现金进行估价。
本发明的另一目的是提供一种方法和设备,以本地期望的格式显示货币值。
本发明的另一目的是提供一种方法和设备,在从一种货币兑换为另一种货币时分辨(基于通用字符与数字)货币代码、国家名称、汇率符号与货币名称。
本发明的另一目的是提供一种方法和设备,独立于任何包括语言设置、键盘布局、优选目期格式与数字格式化的计算机配置来提供显示本地化,特别使主机配置克服单个显示格式的限制。
本发明的另一目的是提供一种方法和设备,提供基于文本的文件内的货币信息的自动识别,将那个货币信息格式化为本地化显示,并利用新近产生的本地化格式来替代原始货币显示。
本发明的简要说明
利用用于本地化货币定价的本发明的方法和设备来解决货币之间换算的问题。
本发明是一种货币换算系统,用于将第一货币值动态地换算为目标货币值,以帮助金融交易的本地化和全球化。此系统可以用作独立的换算系统或其可以嵌入在诸如金融分析程序或Web商业程序的较大应用程序中。此系统将起始货币、目标货币与交易规则作为输入。此系统保持货币汇率、货币历史、兑换规则及货币表示数据的数据库。用优化与追溯技术来处理部分汇率信息和找出涉及三角货币换算的最佳定价。此系统能产生单个结果或结果矩阵,用户可以从单个结果或结果矩阵中选择最佳定价。此系统也用于将数字货币值格式化为换算请求地点的特定表示。
还有,此系统支持从单个原始货币换算为多个对象货币、或单个原始货币换算为单个对象货币、单个原始货币换算为多个对象货币、多个原始货币换算为一对一的多个对象货币、多个原始货币换算为多个对象货币。换句话说,一个基础能以不同的货币生成一个特定目标或目标表,或多个源能生成一对一的换算或复合集合表。
通过提供容易放置在其它计算机程序中的中间件应用程序(联机实时处理系统与方法),此货币换算系统产生新的基本商务功能,此功能容易扩展,由此所有类型的商务能使产品和服务跨越小的本地市场、以本地化的存在、而推进到全球市场。另外,本发明使得为至少两种用途而评估所有类型资产(可兑换的现金、股票、债券、抵押、金融证券、财产、企业实体等)的任务简单化。首先,混合基础值减少为单个货币基础使得资产管理和计帐简单化。第二,即时与动态的货币换算在最佳投资和金融定位方面有利于经济全球化和市场最佳化。
此货币换算系统能用于动态地将货币从一种基础换算为另一国家中的Web用户熟悉的基础,将多国计帐系统累积(roll-up)为单个货币基础或对不同国家中的投资进行估价。此系统用于在计帐金钱的目前或未来值的同时使用不受限制的基础累积到单个或多个目标货币来实施计帐系统和货币或资金平衡表定价的数据存储。本发明是一种系统与方法,用于将数字货币值格式化为一种表示,这种表示是商务的本地化和全球化所特定和必需的。此系统将货币值格式化,以便以与本地化期望一致的表示进行可视显示。
此货币换算系统将有助于本地商务实现国际贸易机会。这些结果对于市场中的客户将是可接受的,并且是熟悉的,而不是“外国的”。这对于在遥远的地方进行商务活动是产生本地化与国际化要素(essence)的一个重要方面。本发明将给商务及软件开发者提供一组令人注目的工具,它有助于全球贸易而没有复杂的本地银行系统、佣金报价系统和目前一般缺少货币信息与服务。最及时的结果将包括在联机、因特网以及其它电子贸易系统内的这些能力,其它电子贸易系统例如为EDI(电子数据交换)、ACH(自动打扫房间)、基于Web的电子商店铺面和基于Web的广告。这种处理和方法将简化复杂的多货币和金融交易处理过程。
下面结合附图具体描述本发明的实施例,从这些描述中可以更好地理解本发明及其上述和其它的优点,附图中:
附图的简要说明
图1是在其优选实施例中实施的根据本发明原理的货币兑换系统的示意图;
图2是图1所示的货币兑换系统的操作流程图;
图3是根据本发明的原理在部分数据的情况下采用优化技术的货币兑换器的操作流程图;以及
图4是根据本发明原理的货币表示换算的流程图。
图1表示根据本发明原理的货币兑换系统10。该货币兑换系统10一般驻留在计算机系统中,该计算机系统具有一个货币兑换处理器(下面称为货币兑换器)15以及一个存储例如用户输入和汇率信息的数据库20。该货币兑换系统10接受用户输入25并提供输出25给此用户,其中此用户可以是计算机系统终端的一个人或接入此货币兑换系统10的计算机处理(process)。在货币兑换系统10的第一实施例中,汇率数据的馈送30提供当前可获得的货币汇率数据给数据库20。
货币兑换系统10接受一组基本的或原始的货币输入,货币兑换系统10还接受一些表示交易的输入。货币兑换系统10根据这些输入和所存储的兑换规则,将原始货币值换算成对象(objective)货币值或目标(target)货币值。随后,货币兑换系统10以此用户所要求的格式提供输出,而不管此用户是一个人还是一个处理(process)。
在此优选实施例中,用户的输入存储在用户说明数据结构35中。基本的货币信息存储在货币代码数据结构40中。用于货币符号与其它可视表示的信息存储在货币符号数据结构45中。货币国家信息存储在国家代码数据结构50中。交易信息,例如源和目标日期,存储在交易数据结构55中。有关交易前后的交易值的信息存储在外汇(FX)定价数据结构60中。标记(flag)数据结构65保持此货币兑换系统10中用于各种标记的数据。这些是用于本发明的目前优选实施例的示例性数据结构。本发明可以使用其它可能的数据结构安排来实现。
根据基础(basis)变化来换算货币的定价。即,对象货币值是使用新基础的计算而得到的目标值。此基础包括以下元素:国家、货币名称、货币代码、ISO字符代码、货币符号、货币值的相对大小、换算的方向、以及货币换算的日期与时间。这些元素存储在上述数据库的各个记录中,并利用货币兑换器15执行兑换。
因为货币值是相对于其它货币而言的,并且因为值由于货币与金钱的时间值之间的波动而随时间波动,所以要求复杂的数据结构来跟踪货币值以便有效地换算货币。这在本发明的当前实施例中利用与FX定价数据结构60组合的货币代码数据结构40的组合数据结构来实现。组合的这两个数据结构存储了货币识别信息、时间值和相关基础,如上所述。对于货币的历史值,利用汇率数据馈送来传送货币汇率,或可以相对于一组其它货币来存储具有多个项目(multiple entries)的数据,这些项目带有各种相关的时间与基础。在另一个实施例中,欧元能用作基本货币。在又一个的实施例中,基础可以换算为诸如黄金、铂、铯、银或铑的货币等效物。
图2表示货币兑换器15的操作方法的流程图。首先,货币兑换器15接受来自用户的数据输入,方框100。该用户输入数据包括:原始货币定价、目标对象货币和交易规则,该交易规则包括确定交易的日期和时间或交易、以及图1中的用户说明数据结构35所示的原始货币和对象货币的说明。用户说明不限于在此列出的。
这些输入可以来自自然人用户、来自计算机程序的输入或基于文本的文件,如来自基于Web目录的网页。如果此输入来自基于文本的文件,则诸如现有技术中公知的任何一个数字的过滤处理识别此文件中的货币输入。
利用货币兑换器15执行的换算处理可以是从一种货币至另一种货币的当前兑换,但此处理也可以是分别利用货币的历史换算或未来换算的金钱历史值或未来值,并因此可以输入用于那些交易的数据。此换算处理也可以是从一种货币基础至选择的货币值的换算处理。
接下来,规定兑换规则,方框110。兑换规则包括汇率和汇率数据源。可以从以下一组源中选取兑换规则:即时用户输入、具有汇率与国家的数据库、货币、以及符号信息或计算机字典查找表和/或外汇汇率数据馈送。把用户输入作为兑换规则与汇率,使系统既能处理已知的货币,又能处理以前不熟悉的货币,并且既能利用公知的汇率计算,又能利用以前不熟悉的汇率计算。
接下来,根据用户输入和交易规则来制定兑换规则。此步骤包括匹配用户输入与用户指定的兑换规则、货币兑换汇率表或具有货币兑换汇率的数据库,方框120。通过各种选择的方法,如电子介质和延迟的或实时馈送的电子交付,可以使此数据库保持为现时的(current)。还有,制定这些兑换规则包括诸如协调货币价格差、处理复杂的三角差异、计算资产平衡表或用于将误差四舍五入的系统工作进程反向资产目录的操作。
随后换算此货币值,方框130。即,制定的兑换规则用于将原始货币换算为目标货币。
在货币值换算不直接将兑换规则应用于输入数据时,分辨换算结果,方框140。这些结果可以包括货币差额(即,出价与要价之间的差)的结果、历史的、延迟的、未来的和/或兑换处理期间的利息差额、现货报价、交换、未来合同和汇款额。在优选实施例中,矩阵方案用来优化使用用户说明的货币值。确定从第一点至第二点的最有效路径(诸如确定哪些货币换算产生最大值)的优化方法是公知的,并且这里可以使用许多优化方法之中的任何一种方法。理想地,最好通过检查最佳结果的数量损益点和多个佣金来查找货币贸易中的最大数字数量,由此所选择的优化方法使兑换处理中的基本货币保持大部分值。
此货币信息随后进行处理以便根据国家名称、国家代码货币名称、货币代码或通用货币符号的因素输出,方框150。
图3是流程图,它扩展了图2的处理过程,以便在甚至有丢失数据或过期数据时也提供结果。这对于诸如基于Web的商业与各种金融程序和任何要求结果的其它系统的应用是重要的。
货币兑换器如图2的上述处理中一样获取输入,方框200。
随后,使用图2中所揭示的处理方法将货币换算成目标货币,方框210。
然后,用中间对象的单个或多个目标货币值来替换原始货币值,方框220。换句话说,一个或多个基本货币能一对一地换算为新的货币或每个基本货币能换算为许多或所有可利用的货币以生成矩阵输出。
如果货币丢失出价、要价或接近原始货币与目标货币之间的定价,则采用上面在图2的描述中所述的优化技术来估算货币值,方框230。随后,采用追溯(backtracking)技术来完成货币换算或兑换,以完成此处理,方框240。追溯是将现有属性和程序中新查询和复合的逻辑结构进行重新组合的特性,通常是为了将复杂的信息优化或简化为较简单的形式。追溯通常用于直接或通过一种或多种其它中间货币(也称为“三角换算”)构造从一种货币至另一种货币的兑换结果,并随后从不同的中间点智能地进行处理以发现是否具有更有效的路径,这对于在遇到丢失或不完整货币汇率时时常停止的复杂数据处理操作是关键的。这出现在两个特定货币之间的汇率不是当前的、似乎有差错或(由于汇率数据差错或缺少贸易信息)不可获得时,而通过一种或多种中间货币的兑换有助于此处理。
最后,优化技术用来使对象货币定价最高和/或使复杂的货币换算或兑换期间引起的兑换费用和交易费用最小,方框250。
利用上面的处理,用户、软件设计者或工作流程综合者,能通过指定原始货币、对象货币、原始定价和目标定价的日期、以及原始值,应用一个推断的目标外汇汇率来将原始定价调整为对象定价。原始定价能驻留在数据库中作为记录、文本文件或较大文本流(stream)内的一个流。此换算是即时的,并根据汇率数据与输入的准确性进行动态地校正。
上述换算引擎的中间软件实施提供货币的即时、动态与在线兑换。这意味着:它能用来以本地货币对联机的基于Web交易进行显示或用来在计帐系统内以单一货币的现金、固定或长期资产对世界范围的资产进行动态定价。另外,函数性(通过目标面向性)附加到数据库上,于是货币的换算和显示是自动的,而无需在显示或使用时附加人工输入。
图4是流程图,表示以可理解的格式(即,以使用目标货币的人所期望的格式)显示换算货币的处理过程。此处理过程和方法接受各种输入,这些输入确定货币的数字值和该货币的名称。这用于相对用户说明、流行货币格式的表或具有货币表示规则的数据库匹配必要的参数。原始数被格式化为可理解的,并通过格式化使对象位置的通用商务实践匹配。用户说明、表查找或数据库参照符号提供了采用本地货币前缀、后缀与货币特定符号来处理货币表示的信息,并且此处理提供以合适的本地化格式生成对象货币的顺序。
此处理将要表示的货币的名称与值作为输入,方框300。随后,将此输入提炼为原始数字值,方框310。此货币名称然后与下列货币表示信息源匹配:用户说明、表查找或数据参照符号,方框320。然后,根据此货币表示信息,将代表此货币值的数字格式化,方框330。随后加上合适的前缀或后缀,方框340。根据表示信息将货币标记标准化,方框350。最后,如果此结果是负数,给此结果加上负号或圆括号,或在彩色显示中以红色显示此结果,方框360。这样,以用户当地所接受的格式表示,用户看到以可理解的格式表示的货币。
很明显,上述实施例只是说明本发明的原理。各种及其它修改与变化可以由实施本发明原理的本领域技术人员作出,并落在其精神和范围内。
Claims (19)
1.在计算机中,一种用于将第一货币值换算为第二货币值的方法,包括以下步骤:
提供第一货币值、第二货币值和换算规则;
存储应用于第一货币值的兑换规则;
在应用于第一货币值之前,响应第一货币值和换算规则而制定兑换规则;和
使用制定的兑换规则将第一货币值兑换成第二货币值。
2.根据权利要求1的方法,其中,所述的兑换规则包括货币汇率信息。
3.根据权利要求1的方法,其中,所述的兑换规则包括历史的货币汇率信启,从而过去的第一货币值兑换成过去的第二货币值。
4.根据权利要求1的方法,其中,所述的兑换规则包括预计的货币汇率信息,从而预计的第一货币值可以兑换成预计的第二货币值。
5.根据权利要求1的方法,其中,所述的兑换规则包括用户指定的规则。
6.根据权利要求1的方法,其中,制定所述的兑换规则还包括调解货币价格差异。
7.根据权利要求1的方法,其中,制定所述的兑换规则还包括调解(reconciling)三角换算的差异和四舍五入的差异。
8.根据权利要求1的方法,其中,制定所述的兑换规则还包括分辨部分信息。
9.根据权利要求1的方法,还包括:
响应所述的交易规则,从第一货币值中输出有效换算的矩阵。
10.根据权利要求1的方法,还包括:
追溯货币历史以便在不可获得最新数据时使用历史汇率数据。
11.一种用于将第一货币值换算为第二货币值的系统,包括:
用于存储第一货币值的装置;
用于存储换算规则的装置;
用于存储兑换规则的装置;和
货币兑换器,用于将所述的换算规则和兑换规则应用于第一货币值,以便将第一货币值换算为第二货币值。
12.根据权利要求11的系统,其中,用于存储第一货币值的装置还包括用于存储所述的值以及相关日期的装置。
13.根据权利要求11的系统,其中,用于存储第一货币值的装置还包括用于与多个其它货币值相比较存储所述值的装置。
14.在计算机中,一种用于将第一货币表示换算为第二货币表示的方法,包括以下步骤:
提供具有第一表示的输入货币;
提供用于货币输出的货币表示信息;
根据所述货币输出中得到的表示信息将所述输入货币的数字值格式化;
根据所述表示信息的要求给所述货币输出加上前缀与后缀;
根据所述表示信息的要求给所述货币输出加上标点;和
根据输入的货币输入要求给所述的货币输出加上负值指示符,
从而具有第一表示的货币输入被换算为具有第二表示的货币输出。
15.根据权利要求14的方法,其中,提供货币表示信息的所述步骤还包括提供货币名称和与所述货币名称相关的表示信息。
16.根据权利要求15的方法,其中,提供输入货币的所述步骤还包括提供具有名称与值的输入货币。
17.根据权利要求16的方法,还包括:
在将所述的输入货币格式化之前,将所述的输入货币值变换为原始数字值;和
将所述的输入货币名称与提供的货币表示信息中的名称匹配。
18.根据权利要求14的方法,其中,提供货币表示信息的所述步骤还包括提供用于货币表示信息的用户说明。
19.根据权利要求14的方法,还包括存储一组货币名称以及与这组货币名称相关的表示信息。
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- 1999-03-30 CA CA002333692A patent/CA2333692A1/en not_active Abandoned
- 1999-03-30 WO PCT/US1999/006948 patent/WO1999050776A1/en not_active Application Discontinuation
- 1999-03-30 JP JP2000541620A patent/JP2002510094A/ja active Pending
- 1999-03-30 CN CN99805609A patent/CN1304511A/zh active Pending
- 1999-03-30 EP EP99916208A patent/EP1068582A1/en not_active Ceased
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2002
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Cited By (11)
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CN103748602A (zh) * | 2011-06-24 | 2014-04-23 | 亚马逊技术股份有限公司 | 支付非结算交易 |
CN103748602B (zh) * | 2011-06-24 | 2017-12-19 | 亚马逊技术股份有限公司 | 支付非结算交易 |
CN107844974A (zh) * | 2011-06-24 | 2018-03-27 | 亚马逊技术股份有限公司 | 处理金融交易的系统及方法 |
US9984367B2 (en) | 2011-06-24 | 2018-05-29 | Amazon Technologies, Inc. | Paying non-settlement transactions |
CN106469004A (zh) * | 2015-08-20 | 2017-03-01 | 阿里巴巴集团控股有限公司 | 信息转换方法和装置 |
CN105787789A (zh) * | 2015-12-23 | 2016-07-20 | 魅族科技(中国)有限公司 | 货币汇率展示方法和装置 |
CN107230077A (zh) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | 兑换和支付数字货币的方法以及数字货币系统 |
CN106779710A (zh) * | 2017-01-16 | 2017-05-31 | 世纪禾光科技发展(北京)有限公司 | 电子商务平台汇率管理的方法及设备 |
CN110084696A (zh) * | 2018-01-26 | 2019-08-02 | 韩亚银行股份有限公司 | 提供海外金融交易服务的系统 |
CN109447638A (zh) * | 2018-10-22 | 2019-03-08 | 中国银行股份有限公司 | 货币兑换的数据处理方法、装置及货币兑换系统 |
CN113470246A (zh) * | 2021-06-30 | 2021-10-01 | 上海和数软件有限公司 | 一种用于资产兑换的纸币识别系统 |
Also Published As
Publication number | Publication date |
---|---|
WO1999050776A1 (en) | 1999-10-07 |
CA2333692A1 (en) | 1999-10-07 |
AU3457399A (en) | 1999-10-18 |
HK1039382A1 (zh) | 2002-04-19 |
EP1068582A1 (en) | 2001-01-17 |
US6721715B2 (en) | 2004-04-13 |
JP2002510094A (ja) | 2002-04-02 |
US20010011241A1 (en) | 2001-08-02 |
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