KR102554713B1 - Method and system for providing foreign currency exchange services based on net exchange demand between countries - Google Patents

Abstract

In the method for providing a currency exchange service performed by a main server according to an embodiment of the present invention, (a) when receiving a currency exchange request from a user terminal registered with a telecommunications company in a first country, deposit request information corresponding to the currency exchange request providing; (b) if it is confirmed that the payment has been completed according to the transfer request information, creating a virtual wallet corresponding to the user terminal and depositing the amount converted from the currency of the first country to the currency of the second country; (c) checking the balance of the virtual wallet for the user terminal and then providing withdrawal identification information to the user terminal when receiving a withdrawal request for money from the second country from the user terminal in the second country; and (d) in the second country, if the user's input information is received from the withdrawal target object and the user's input information and withdrawal identification information correspond, within the amount deposited in the currency of the second country through the withdrawal target object Including, the withdrawal target object means an affiliated store terminal in a second country or an ATM (Automated Teller Machine) terminal in a second country, and the withdrawal identification information is It is any one of OTP (One Time Password) information, barcode, or QR code, and the virtual wallet is linked to the 1st country main account of the 1st country bank server and the 2nd country main account of the 2nd country bank server. The money of the first country is transferred to the main account of the first country, and the money requested for withdrawal is withdrawn from the main account of the second country.

Description

Exchange service method and system using overseas remittance method {METHOD AND SYSTEM FOR PROVIDING FOREIGN CURRENCY EXCHANGE SERVICES BASED ON NET EXCHANGE DEMAND BETWEEN COUNTRIES}

The present invention relates to a method and system for providing a currency exchange service using an overseas remittance method. To explain this in detail, it relates to a service that enables a user to exchange or withdraw money in another country's currency at a low fee in another country, even if the user does not have a bank account in that country's currency.

As means of transportation have recently developed, the number of people traveling abroad is increasing. Correspondingly, the exchange rate for money to be used in the country to be visited is also increasing.

Traveling abroad is highly uncertain, so travelers still tend to prefer cash. In addition, with the development of low-cost airlines, the proportion of travelers aged 18-34 who are highly price-sensitive is increasing, and information exchange on currency exchange on the Internet is becoming more active.

However, on average, 80% of travelers say they have foreign currency left over after a trip, as travelers exchange generous amounts to avoid running out of cash in unfamiliar places. Since the fee is determined by the amount exchanged, exchanging a generous amount makes the traveler pay unnecessary fees.

Also, if you run out of cash while traveling, travelers have very limited means to carry out additional currency exchange locally. Therefore, many travelers are performing additional currency exchange by paying expensive fees at global ATMs or hotels.

In addition, conventional exchange services have limitations in that banks providing exchange services for non-mainstream currencies are limited, and there are few preferential treatment therefor.

The present invention is to solve the above-mentioned problems of the prior art, the present invention is a currency exchange service using an overseas remittance method, and even if the traveler does not have a bankbook used in the local country, it is possible to exchange money and withdraw the exchanged money. for the purpose of providing services.

Through the exchange service of the present invention, the purpose of creating an environment in which a user can freely exchange money without being bound by time at a low exchange fee even if he or she does not have a bank account using the currency of another country.

However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, in the method of providing a currency exchange service after departure, performed by a main server according to an embodiment of the present invention, (a) a user terminal registered with a telecommunications company in a first country providing transfer request information corresponding to the exchange request when receiving an exchange request from the; (b) depositing the amount converted from the currency of the first country to the currency of the second country in a virtual wallet corresponding to the user terminal when it is confirmed that the payment or remittance has been completed according to the transfer request information; (c) providing withdrawal identification information and location information of an object to be withdrawn to the user terminal after checking the balance of the virtual wallet for the user terminal; and (d) in the second country, as the user of the user terminal visits the place where the object to be withdrawn is located and provides predetermined input information, the user's input information is received from the object to be withdrawn, and the user's input is received. When the information and withdrawal identification information correspond, allowing the user terminal to withdraw the exchanged amount requested by the user terminal within the amount deposited in the currency of the second country through the withdrawal target object; , Withdrawal objects refer to merchants in the second country, ATM (Automated Teller Machine) terminals in the second country, or offline counters where cash payments are possible. In connection with the main account of the second country of the bank server of the second country, the money of the first country paid by the payment method corresponding to the deposit request information is transferred to the main account of the first country, and the money requested for withdrawal is transferred to the main account of the second country. The first station main account and the second station main account may be related to the main server.

In addition, step (a) may include receiving, from a user terminal, information of a second country to be exchanged and an amount of currency of the first country to be deposited by the user; providing an exchangeable amount based on a currency of a second country to a user terminal based on a preset exchange rate; and providing a comparison interface capable of comparing the exchangeable amount based on the commercial bank exchange rate of the first country with the exchangeable amount based on the preset exchange rate and receiving an exchange request; wherein the preset exchange rate is a preset exchange fee. It is calculated in consideration of, and can be provided cheaper than the exchange fee of a commercial bank in the first country.

In addition, the step of receiving the identification information of the second country to be exchanged and the amount of the currency of the first country to be deposited by the user from the user terminal is converted according to a predetermined exchange rate based on the amount of the currency of the second country A step of providing a user interface allowing the amount of money in the first country to be input as the amount requested for exchange may be included.

Also, prior to step (c), a step of providing a search interface capable of searching for locations of objects subject to withdrawal in the second country capable of providing currency exchange services to the user terminal may be further included.

In addition, if the object to be withdrawn is an ATM terminal, step (c) requests issuance of withdrawal identification information to the ATM partner server in the second country upon receiving a withdrawal request for money deposited in the currency of the second country from the user terminal. After doing, the withdrawal identification information received from the ATM partner server can be provided to the user terminal.

In addition, in step (d), as the ATM terminal transmits the withdrawal identification information entered by the user to the ATM company server, when a message indicating that withdrawal identification information authentication has been completed is received from the ATM company server, the user terminal applies for the virtual wallet. The currency of the second country can be withdrawn from the ATM terminal without an ATM card after deducting the amount of the currency of the second country.

In addition, when the object to be withdrawn is an affiliated store terminal of the second country, in step (c), upon receiving a request for withdrawal of money deposited in the currency of the second country from the user terminal, withdrawal identification information is generated, and the user terminal In step (d), the user presents the withdrawal identification information received through his or her user terminal to the merchant, recognizing the withdrawal identification information transmitted from the terminal of the merchant to the user terminal. When the information is received and the received information matches the withdrawal identification information generated by the main server, an authentication completion message is transmitted to the merchant's terminal, and the amount of the second country's currency requested by the user terminal in the virtual wallet can be deducted.

In addition, in step (d), as the affiliated store terminal recognizes the withdrawal identification information displayed on the screen of the user terminal, withdrawal identification information may be received from the affiliated store terminal.

In addition, the main server for providing the exchange service includes a memory in which a program for providing the exchange service is stored and a processor that executes the program stored in the memory and provides a method for providing the exchange service, the processor being registered with a telecommunications company of a first country When receiving a currency exchange request from the user terminal, the transfer request information corresponding to the exchange request is provided, and when it is confirmed that the payment has been completed in the transfer request information, a wallet corresponding to the user terminal is created to transfer the currency of the first country. After depositing the amount converted into the currency of the 2nd country and receiving a withdrawal request for the money in the 2nd country from the user terminal in the 2nd country, the virtual wallet balance for the user terminal is checked and withdrawal identification information is provided to the user terminal and, in the second country, receives the user's input information from the withdrawal target object, and if the user's input information and withdrawal identification information correspond, the user terminal within the amount deposited in the currency of the second country through the withdrawal target object The withdrawal of the requested exchange amount is made, but the object to be withdrawn refers to an affiliated store terminal in the second country or an ATM (Automated Teller Machine) terminal in the second country, and the withdrawal identification information is OTP (One Time Password) information , Barcode or QR code, and the virtual wallet is linked to the first station main account of the first station bank server and the second station main account of the second station bank server, and a payment method corresponding to the transfer request information. The money of the first country paid for is transferred to the main account of the first country, and the money requested for withdrawal can be withdrawn from the main account of the second country.

In the conventional case, the service is provided in such a way that a traveler exchanges money in his or her country through a bank account held in the country and withdraws the exchanged money abroad. In other words, the route of depositing and withdrawing money is unified through the medium of a bank account in one's home country. In this case, the exchange fee of the bank is bound to intervene, and the consumer has to pay the exchange fee. However, the present invention provides a method of depositing money in various ways such as account transfer, card payment, or firm banking, and allows withdrawal from abroad through a method different from the deposited method (overseas ATM terminal or affiliate store, etc.) characterized by In this process, the intervention of the bank's currency exchange fee is eliminated, and the service operator of the present invention can establish an operating policy for the fee. In addition, the service operator has a great effect in enabling users to provide currency exchange services with lower fees than commercial banks.

In particular, since the service operator of the present invention serves as a virtual account in the corresponding country, it is possible to provide a service that enables currency exchange and withdrawal in the country even if the user does not have a local bank account in another country.

In the process of exchanging money, you can receive cheaper exchange fees or preferential benefits than conventional exchange methods, and you can freely exchange money at a travel destination by searching for nearby ATM terminals and affiliated stores without being bound by time.

1 is a diagram showing the configuration of a system for implementing a currency exchange service according to an embodiment of the present invention.
2 is a diagram showing the configuration of a main server according to an embodiment of the present invention.
3 is an operational flowchart illustrating a method of providing a currency exchange service using a virtual account according to an embodiment of the present invention.
4 is an operational flowchart illustrating a process of processing an exchange request using a virtual account according to an embodiment of the present invention.
5 is an operational flowchart illustrating a process of performing a withdrawal when an object to be withdrawn is an ATM terminal according to an embodiment of the present invention.
6 is an operational flowchart illustrating a process in which withdrawal is performed when an object to be withdrawn is an affiliated store according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail so that those skilled in the art can easily practice the present invention with reference to the accompanying drawings. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that it may further include other components without excluding other components unless otherwise stated.

The following examples are detailed descriptions for better understanding of the present invention, and do not limit the scope of the present invention. Therefore, inventions of the same scope that perform the same functions as the present invention will also fall within the scope of the present invention.

Hereinafter, “deposit” and “remittance” may refer to an action in which a user pays money for an exchange request.

1 is a diagram showing the configuration of a system for implementing a currency exchange service according to an embodiment of the present invention.

Referring to FIG. 1, the system may be composed of a main server 100, a user terminal 200, a first station bank server 300, and an object to be withdrawn 400. In addition, although not shown in the drawing, each constituent device is interconnected through a communication network.

According to an embodiment of the present invention, the user terminal 200 performs an exchange request to the main server 100, and the main server 100 provides the user terminal 200 with transfer request information corresponding to the exchange request. Afterwards, it can be confirmed whether the payment corresponding to the transfer request information has been made.

At this time, the process of providing transfer request information and confirming whether payment has been made may refer to a process of depositing an amount to be requested for exchange into the virtual wallet of the user terminal 200 . For example, the above process is a method of depositing a virtual account created by the first country bank server 300 belonging to the first country to the user terminal 200, or the main server 100 providing the service. A bank such as a general deposit method and a firm banking method in which money is deposited from a user after directly providing an account previously created for operation to the user terminal 200, and a method in which the amount requested for exchange is automatically deducted from the bank account entered by the user. It can include any method of depositing into your account. In addition, the process may include various methods such as a mobile phone payment method, a card payment method, a virtual currency-based payment method, and the like in which an amount to be paid is presented and the payment is made through various means. Although not described in the above example, other methods that can be applied according to the implementation method or environment of the service may also be applied.

Hereinafter, in the specification of the present invention, a method of using a virtual account will be described by corresponding to a representative example for a smooth explanation of the present invention. However, the scope of the present invention is not limited only to the method using a virtual account.

In addition, when the money of the first country desired to be exchanged is paid through the method corresponding to the transfer request information, the main server 100 recognizes the payment and creates a virtual wallet to transfer the deposited currency of the first country to the second country. It is converted into currency and deposited.

At this time, if money of a predetermined value required for exchange is not deposited from the user, the main server 100 may transmit a deposit rejection message indicating that the deposit for the given amount is rejected to the user terminal 200 . In addition, the money of the first country deposited by the payment method corresponding to the transfer request information may be refunded. This means that the main server 100 approves the completion of the deposit only when the amount valid for exchange matches. For example, although 1,200 won is required to exchange 1 dollar into won, the user may deposit won, which is not suitable for exchanging dollars, such as 1,000 won or 2,000 won. In this case, the main server 100 provides a warning message or the like to the user terminal 200 and prevents an erroneous exchange operation from proceeding.

Here, the virtual wallet may refer to a virtual wallet that is linked to each user terminal (200 or user's individual identification information) and is created to distinguish the currency of the first country deposited by a plurality of users. there is.

In addition, the virtual wallet may be interlocked with a first station main account of the first station bank server 300 and a second station main account of a second station bank server (not shown in the figure). Also, the money of the first country settled by the payment method corresponding to the transfer request information may be transferred to the main account of the first country, and the money requested for withdrawal may be withdrawn from the main account of the second country.

For example, when a specific user deposits 1,200 won in the currency of a first country into a virtual account, the virtual wallet is mapped to the specific user and deposits 1 dollar in the currency of the second country.

Therefore, in order for the mutually deposited or withdrawn money of the first and second countries, a minimum amount of money for providing a currency exchange service must be deposited in the first and second main accounts.

Thereafter, when a user who has visited the second country requests the main server 100 to request a withdrawal of money from the second country through the user terminal 200, the main server 100 generates withdrawal identification information to the user terminal ( 200) is provided.

At this time, as an optional embodiment, the main server 100 may additionally perform an operation of checking the balance of the virtual wallet for the user terminal 200 .

In addition, the withdrawal identification information may mean any one of code information composed of at least one of predetermined numbers, letters, and symbols, a password input by a user, OTP (One Time Password) information, a barcode, and a QR code.

In addition, the withdrawal identification information is that withdrawal identification information is generated in response to the exchange request after the user terminal 200 performs an exchange request to the main server 100 .

As a further embodiment, the withdrawal identification information cannot be used again after a predetermined time has elapsed or has been used for withdrawal. At this time, the user terminal 200 must request new withdrawal identification information from the main server 100 for the expired withdrawal identification information.

After providing withdrawal identification information to the user terminal 200, the main server 100 may receive user input information from the withdrawal target object 400 in the second country. When the user's input information is received, the main server 100 may compare it with withdrawal identification information.

If the two information matches, it is characterized in that the currency of the second country requested by the user terminal 200 is withdrawn within the balance of the exchange amount deposited in the virtual wallet through the withdrawal target object 400. .

That is, when the confirmation of the user terminal 200 is completed, money is withdrawn from the withdrawal target object 400 in the local currency of the second country by the amount of exchange indicated in the currency unit of the second country previously deposited in the virtual wallet. will be.

According to an embodiment of the present invention, the main server 100 may receive an exchange request from the user terminal 200 and exchange the deposited money of the first country into the currency of the second country and deposit it in the virtual wallet. Conversely, when the main server 100 receives a withdrawal request, withdrawal identification information may be generated and transmitted to the user terminal 200 . Thereafter, the main server 100 receives the user's input information from the withdrawal target object 400, compares it with withdrawal identification information, and allows the exchange amount (exchange certificate) deposited in the currency unit of the second country to be withdrawn. characterized by

According to an embodiment of the present invention, the user terminal 200 may correspond to a terminal of a user registered with a telecommunications company of the first country and performing currency exchange.

At this time, the user terminal 200 performs a currency exchange request to the main server 100 and receives an account number for depositing money in the first country. In addition, when the user terminal 200 requests a withdrawal application to the main server 100, it is characterized in that withdrawal identification information is received.

In addition, the user terminal 200 may notify the user by displaying how much the deposited money of the first country is exchanged for money of the second country or how much a discount on exchange fees is obtained from commercial banks.

At this time, the application for providing the exchange service may be an application built into the user terminal 200 or an application downloaded from an application distribution server and installed in the user terminal 200 .

Also, the user terminal 200 refers to a communication terminal capable of using a terminal application in a wired/wireless communication environment. Here, the user terminal 200 may be a user's portable terminal. In FIG. 1, the user terminal 200 is shown as a smart phone, which is a kind of portable terminal, but the spirit of the present invention is not limited thereto, and as described above, there is no limitation for a terminal capable of loading a terminal application. can be borrowed

More specifically, user terminal 200 may include any type of handheld computing device (eg, PDA, email client, etc.), cell phone, or other type of computing or communication platform. However, the present invention is not limited thereto.

According to an embodiment of the present invention, the first station bank server 300 is located in the first country and uses a server owned by a bank that manages the currency of the first country to which the user using the user terminal 200 belongs. can mean

At this time, the first station bank server 300 manages the first station main account for providing the exchange service, and the user pays the first station main account according to the transfer request method linked with the main server 100. The first country's money will be deposited.

In addition, in another embodiment, when the deposit request method corresponds to a virtual account, the first station bank server 300 provides the virtual account issuance rule to the main server 100 in advance, so that the main server 100 can You can lead the creation of account information.

In addition, although not shown in the figure, the second station bank server may manage the second station main account required to provide the currency exchange service. When the second country bank server receives a withdrawal request from the main server 100 or the withdrawal target object 400, it provides money from the second country to the user.

According to an embodiment of the present invention, the withdrawal target object 400 may mean an affiliated store in a second country or an automated teller machine (ATM) terminal in the second country. At this time, the withdrawal target object 400 is characterized in that it withdraws money from the second country and provides it to the user at the request of the user (or the user terminal 200).

At this time, the withdrawal target object 400 receives the withdrawal identification information provided to the user terminal 200 from the user as the user's input information, and transmits it to the main server 100.

Thereafter, when a withdrawal instruction is issued from the main server 100, the amount of money of the second country is provided to the user according to the form in which the withdrawal target object 400 is implemented (at this time, the withdrawal target object 400 is an ATM terminal). In this case, the ATM partner server performs the withdrawal instruction for the amount of money in the second country). Here, the ATM partner is an ATM operator, and means a company that has a cooperative relationship with the main server operator.

For example, when the object to be withdrawn 400 is implemented in the form of an ATM terminal, money in the second country previously deposited in the main account of the second country is directly withdrawn and delivered to the user. A user can withdraw money from an ATM terminal without an ATM card, even if the user does not have an account in the second country.

However, if the owner of the merchant terminal (a store located in the second country and able to provide the money of the second country to the user) is implemented in the form of providing money from the second country, the second country owned by the merchant of money can be provided to the user as much as the withdrawal amount or deducted from the value of the item to be purchased. Afterwards, the money deposited in the main account of the second country is paid to the affiliated store as much as the money of the second country provided to the user.

Here, the affiliate store may be a store that sells general goods or a general service company that provides other services. Alternatively, the affiliated store may further include a bank. The terminal of the affiliated store may be a terminal located in a store or company, a terminal owned by an owner or an operator of a store or business, or a terminal located in a bank or operated by a bank teller.

Meanwhile, the communication network serves to connect the server 100, the user terminal 200, the first station bank server 300, and the object 400 to be withdrawn. That is, the communication network refers to a communication network that provides an access path so that the user terminal 200, the first station bank server 300, and the withdrawal target object 400 can transmit and receive data after accessing the server 100. Communication networks include, for example, wired networks such as LANs (Local Area Networks), WANs (Wide Area Networks), MANs (Metropolitan Area Networks), and ISDNs (Integrated Service Digital Networks), wireless LANs, wireless networks such as CDMA, Bluetooth, and satellite communication. However, the scope of the present invention is not limited thereto.

2 is a diagram showing the configuration of a main server according to an embodiment of the present invention.

Referring to FIG. 2 , the main server 100 according to an embodiment of the present invention includes a communication module 110, a memory 120, a processor 130, and a database 140.

In detail, the communication module 110 interworks with the communication network to provide transmission and reception signals between the main server 100, the user terminal 200, the first bank server 300 and the withdrawal target object 400 in the form of packet data. It provides the necessary communication interface. Furthermore, the communication module 110 may play a role of receiving data requests from the user terminal 200, the first station bank server 300, and the object to be withdrawn 400, and transmitting data as a response thereto. .

Here, the communication module 110 may be a device including hardware and software necessary for transmitting and receiving a signal such as a control signal or a data signal with another network device through a wired or wireless connection.

The memory 120 stores a program for providing a currency exchange service. Also, it performs a function of temporarily or permanently storing data processed by the processor 130 . Here, the memory 120 may include magnetic storage media or flash storage media, but the scope of the present invention is not limited thereto.

The processor 130, as a kind of central processing unit, controls the entire process of providing currency exchange service. Each step performed by the processor 130 will be described later with reference to FIGS. 3 to 6 .

Here, the processor 130 may include all types of devices capable of processing data, such as a processor. Here, a 'processor' may refer to a data processing device embedded in hardware having a physically structured circuit to perform functions expressed by codes or instructions included in a program, for example. As an example of such a data processing device built into hardware, a microprocessor, a central processing unit (CPU), a processor core, a multiprocessor, an application-specific integrated (ASIC) circuit), field programmable gate array (FPGA), etc., but the scope of the present invention is not limited thereto.

The database 140 may store virtual accounts and virtual wallets corresponding to the exchange request received from the user terminal 200 .

In addition, when receiving a withdrawal request, the withdrawal identification information provided to the user terminal 200 is temporarily stored and compared with the user's input information received from the withdrawal target object 400 .

In addition, as an additional embodiment, user's individual identification information or user's information may be stored, and the user's exchange (or transaction) data may be left in the form of a log record.

Although not shown in FIG. 2 , some of the virtual account and virtual wallet data corresponding to the exchange request may be stored in a database (not shown) physically or conceptually separated from the database 140 .

3 is an operational flowchart illustrating a method of providing a currency exchange service using a virtual account according to an embodiment of the present invention.

Referring to FIG. 3 , the main server 100 receives an exchange request from the user terminal 200 and requests the first station bank server 300 to create a virtual account (S310).

Describing this in detail, the main server 100 may receive a currency exchange request from the user terminal 200 registered with the telecommunications company of the first country. Accordingly, the first country bank server 300, which is a bank belonging to the first country, is requested to create a virtual account corresponding to the exchange request.

At this time, in order to perform the currency exchange service, a first country main account in which money from the first country is pre-deposited is required, and the virtual account created in step S310 must be linked to the first country main account.

Next, the main server 100 generates and deposits the currency of the second country exchanged in the virtual wallet when transferring the virtual account to the user terminal 200 and depositing the currency of the first country (S320).

To explain this in detail, the main server 100 transfers the virtual account opened in the first station bank server 300 to the user terminal 200 in step S310.

Thereafter, when the currency of the first country desired to be exchanged through the virtual account is deposited from the user, the main server 100 creates a virtual wallet corresponding to the corresponding user terminal 200 and converts the foreign currency into the currency of the second country ( exchange voucher).

At this time, the process of performing the withdrawal request corresponding to steps S310 to S320 will be further described with reference to FIG. 4 to be described later.

Next, the main server 100 receives the withdrawal request from the user terminal 200, generates withdrawal identification information, and provides it to the user terminal 200 (S330).

To explain this in detail, when the main server 100 receives a withdrawal request for money in the second country from the user terminal 200 located in the second country, the main server 100 sends a virtual After checking the balance of the wallet, withdrawal identification information is generated and provided to the user terminal 200 .

As the last step of the exchange service, the main server 100 receives the user's input information from the withdrawal target object 400, compares the input information with withdrawal identification information, and allows withdrawal of the amount deposited in the currency of the second country. (S340).

To explain this in detail, the main server 100 receives user input information from the withdrawal target object 400 located in the second country.

At this time, the user's input information means withdrawal identification information provided to the user terminal 200 or information corresponding thereto.

Therefore, the withdrawal target object 400 receives withdrawal identification information directly from the user terminal 200 in the field, or the manager of the withdrawal target object 400 directly inputs the input information and transmits the input information to the main server 100. do.

If the input information corresponds to the withdrawal identification information provided to the user terminal 200, the main server 100 transfers the amount deposited in the currency of the second country to the virtual wallet through the withdrawal target object 400 to the user terminal 200. Withdrawal is made for the requested amount, and a currency exchange service is provided so that the user can receive the exchanged foreign currency.

Meanwhile, steps S310 and S320 may be performed in the first country, and then, after the user leaves for the second country, steps S330 and S340 may be performed in the second country. Alternatively, all steps from step S310 to step S340 may be performed in the second country. For example, if the user transfers $100 from the first country, receives the converted amount in the second country, and uses up all the converted amount, transfers an additional $50 from the second country, You can also receive it in exchanged amount. In this case, users do not have to worry about exchanging large amounts of money from the beginning and carrying them in their wallets. This means that you can travel only as much as you need and exchange money.

At this time, the process of performing the withdrawal request corresponding to steps S330 to S340 will be additionally described with reference to FIGS. 5 and 6 to be described later.

4 is an operational flowchart illustrating a process of processing an exchange request using a virtual account according to an embodiment of the present invention.

Referring to FIG. 4 , in the process of processing the exchange request, the user terminal 200 requests the exchange request to the main server 100 (S401).

At this time, the main server 100 receives information on the second country to be exchanged and information on the amount of currency of the first country to be deposited by the user from the user terminal 200 as exchange request information.

In addition, the main server 100 may provide the exchangeable amount based on the currency of the second country to the user terminal 200 based on the preset exchange rate. In addition, the user terminal 200 displays the exchangeable amount on the display screen. will be displayed as

In addition, the main server 100 may additionally provide the user terminal 200 with a comparison interface for comparing the exchangeable amount based on the commercial bank exchange rate of the first country and the exchangeable amount based on the preset exchange rate. Through the comparison interface, users can check how much currency exchange fees they can save through currency exchange services.

At this time, the preset exchange rate is calculated in consideration of a preset exchange fee (a fee set by a service provider to provide exchange service). Accordingly, the preset exchange rate can be measured cheaper than the exchange fee of a commercial bank in the first country. Conversely, although the preset exchange rate is more expensive than the exchange rate of a commercial bank in the first country, the user can be induced to use the exchange service proposed in the present invention, such as by adding a premium service.

In addition, in the step of the main server 100 receiving, from the user terminal 200, the information of the second country to be exchanged and the amount of currency of the first country to be deposited by the user, the main server 100 converts the second country A user interface may be provided to the user terminal 200 so that the amount of the first country converted according to a predetermined exchange rate based on the amount of the currency of is input as the amount requested for exchange.

As a further embodiment, when the user deposits money in the first country, money less than the minimum value required for the deposited amount to be exchanged into the currency of the second country is deposited, or money less than the minimum value required for exchange during the exchange process. this may be left behind In this case, the main server 100 may recognize this and deliver an additional deposit request message for the money of the first country to the user terminal 200 . For example, assuming that the exchange rate is won (1200 won) - dollar (1 dollar) and the user deposits 2,000 won into the virtual account, the main server 100 deposits an additional 400 won required for the exchange of 2 dollars. A message requesting is provided to the user terminal 200 .

Next, in order to provide the exchange service, the main server 100 that has received the exchange request applies for a virtual account with the first station bank server 300 (S402).

At this time, the main server 100 requires a first main account in which the money of the first country is pre-deposited in order to provide the exchange service as described above, and the first station bank server 300 It is linked to the account to create a virtual account necessary for depositing money in the first country.

Next, the first station bank server 300 creates a virtual account and transfers it to the main server 100, and the main server 100 that receives it also transfers the virtual account to the user terminal 200 (S403).

At this time, the virtual account may be transmitted to the user terminal 200 via the main server 100, but the first station bank server 300 may directly provide the virtual account to the user terminal 200. For example, the main server 100 receiving the information on the virtual account from the first station bank server 300 may notify the user terminal 200, but this process is omitted and the first station bank server 300 At the same time as creating a virtual account, information about the virtual account can be directly informed to the user terminal 200 .

Next, the first station bank server 300 provides virtual account deposit information to the main server 100 (S404).

The user must deposit the money of the first country he or she wants to exchange into the main account of the first country through the virtual account. Thereafter, the main server 100 determines whether the user terminal 200 has been manipulated or receives a message from the bank server 300 of the first country indicating that the deposit has been completed, so that the user can receive money expressed in the currency of the first country. It should be recognized that it has been converted into money denominated in the currency of this second country.

Finally, the main server 100 creates a virtual wallet and deposits the amount converted into the second national currency (S405).

5 is an operational flowchart illustrating a process of performing a withdrawal when an object to be withdrawn is an ATM terminal according to an embodiment of the present invention.

Referring to FIG. 5 , when the object to be withdrawn 400 is an ATM terminal, the user terminal 200 provides a withdrawal request to the main server 100 (S501).

Upon receiving the withdrawal request, the main server 100 requests issuance of withdrawal identification information to the ATM partner server (S502).

Next, when the ATM partner server generates withdrawal identification information and provides it to the main server 100 (S503), the main server 100 also provides it to the user terminal 200 (S504).

When the ATM partner server receives the withdrawal identification information from the ATM terminal (S505), it performs authentication on whether the withdrawal identification information is correct (S506) and provides the withdrawal identification information confirmation result to the ATM terminal (S507). On the other hand, the main server 100 may issue withdrawal identification information and transmit it to the ATM cooperative company server and the user terminal 200 so that user authentication may be performed. Alternatively, when applying for withdrawal, the user inputs withdrawal identification information, the main server 100 transmits it to the ATM partner server, and authentication is performed when the information received later from the ATM terminal matches the withdrawal identification information entered by the user. This can be treated as complete.

In addition, as an additional embodiment, upon receiving incorrect withdrawal identification information from the ATM terminal, the ATM partner server may transmit an error message indicating that the withdrawal identification information is incorrect to the display screen provided in the ATM terminal. In addition, the ATM partner server may transmit a message requesting authentication by newly updating withdrawal identification information to the ATM terminal.

After step S507, the user receives money from the second country through the ATM terminal (S508).

In addition, the ATM partner server receives withdrawal completion information indicating that the withdrawal of money from the second country has been completed from the ATM terminal (S509), and the ATM partner server provides the withdrawal completion information to the main server 100 (S510).

Finally, the main server 100 deducts the amount deposited in the virtual wallet by the amount to be withdrawn (S511).

6 is an operational flowchart illustrating a process in which withdrawal is performed when an object to be withdrawn is an affiliated store according to an embodiment of the present invention.

Referring to FIG. 6 , when the withdrawal target object 400 is an affiliated store, the user terminal 200 provides a withdrawal request to the main server 100 (S601).

The main server 100 generates withdrawal identification information and provides it to the user terminal 200 (S602).

Thereafter, when the affiliated store terminal receives user input information from the user (S603), the affiliated store terminal provides the user's input information to the main server 100 (S604).

At this time, the merchant terminal recognizes the withdrawal identification information displayed on the display screen of the user terminal 200, and receives input information corresponding to the withdrawal identification information. For example, if the withdrawal identification information is a barcode or QR code, it can be recognized by a scanner linked to an affiliated store terminal.

The main server 100 performs an authentication task of comparing the received input information and withdrawal identification information (S605), and when authentication is completed, provides an authentication completion message to the affiliated store terminal (S606).

At this time, the authentication completion message includes information for identifying which user the money of the second country should be withdrawn and information about how much money of the second country should be provided.

Thereafter, the manager of the affiliated store terminal provides money from the second country to the user (S607) and transfers the withdrawal completion information to the main server 100 through the affiliated store terminal (S608).

Finally, the main server 100 finishes the step by deducting the amount to be withdrawn from the amount deposited in the virtual wallet (S609).

Withdrawal through the affiliated store can be withdrawn from the account owned by the affiliated store owner (account in the second country) first. Similarly, ATM withdrawals may be preferentially withdrawn from an arbitrary account (an account in the second country), which may be an account of a subject in a second country that has a cooperative relationship with the main server. Thereafter, the amount of money withdrawn from the account owned by the owner of the affiliated store may be transferred from the second main account to the account owned by the owner of the affiliated store. Similarly, the amount of money withdrawn from any account can be transferred from the second main account to any account. However, the transfer does not occur every time a withdrawal occurs, but after a specific withdrawal occurs (eg, 10 times), the total amount of the 10 withdrawals may be transferred. Similarly, in the case of the amount of money transferred by users from the first country to the virtual account, it can be transferred from the virtual account to the first main account whenever a user's individual virtual account transfer occurs. It may be transferred to the first main account at once. In this case, only continuous withdrawals are made from the second main account, and only continuous deposits are made from the first main account, and remittances are made from the first main account to the second main account at regular times by a specific amount. The owners of the first main account and the second main account may be the same entity or entities in a cooperative relationship with each other.

In general, for currency exchange through a conventional bank, a fee is incurred each time currency is exchanged. Bank commissions include foreign currency air transport costs, distribution costs by bank branches, manpower management costs, and bank profits. However, in the case of the present invention, although the user receives the exchange service, in reality, no money is remitted from the first country to the second country when the exchange service is performed once. When a lot of users' remittances are collected, they are remitted from the first country to the second country at once. For example, after 10 users have used the currency exchange service 10 times, if one transfer is made from the first main account in the first country to the second main account in the second country, the users will receive 10 exchange services. However, from the point of view of the service operator, in practice, only one remittance fee is paid, so it is possible to provide users with much cheaper currency exchange fees than commercial banks.

As a further embodiment, after step S609, the affiliate store that has paid the user the money of the second country is later withdrawn from the main account of the second country to the user and compensated for the money of the second country by the provided amount.

In addition, as an optional embodiment, before steps S501 and S601, the main server 100 determines the locations of objects 400 subject to withdrawal in the second country capable of providing currency exchange services to the user terminal 200. A search interface capable of searching for may be provided.

As an additional embodiment, the search interface may be given in the form of a map, and the search interface may display the location of the object to be withdrawn 400 located within a predetermined range based on the location information received from the user terminal 200 as an icon. can Then, when the user inputs the icon of the object to be withdrawn 400 to which the user can move, the search interface may provide route guidance from the location of the current user terminal 200 to the location of the selected object to be withdrawn 400. . At this time, route guidance to the location of the object to be withdrawn 400 may be provided to the user in conjunction with a map application such as Google Map.

An embodiment of the present invention may be implemented in the form of a recording medium including instructions executable by a computer, such as program modules executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer readable media may include computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general-purpose hardware architecture.

The above description of the present invention is for illustrative purposes, and those skilled in the art can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, the embodiments described above should be understood as illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the detailed description above, and all changes or modifications derived from the meaning and scope of the claims and equivalent concepts should be construed as being included in the scope of the present invention. do.

100: main server 200: user terminal
300: First station bank server 400: Withdrawal target object

Claims (10)

In the method of providing a currency exchange service that does not require an ATM card, performed by the main server,
(a) providing deposit request information corresponding to the exchange request when receiving an exchange request from a user terminal registered with a telecommunications company of a first country;
(b) depositing the exchanged amount in a virtual wallet corresponding to the user terminal when it is confirmed that the payment or remittance of the first country has been completed according to the transfer request information;
(c) providing withdrawal identification information and location information of an object to be withdrawn to the user terminal after checking the balance of the virtual wallet for the user terminal; and
(d) In the second country, as the user of the user terminal visits the place where the withdrawal target object is located and provides predetermined input information, the user's input information is received from the withdrawal target object, and the user's input is received. if the information corresponds to the withdrawal identification information, allowing the withdrawal of the exchange amount of the second country requested by the user terminal within the amount deposited in the virtual wallet through the withdrawal target object; Including,
The object to be withdrawn refers to an affiliated store in the second country or an ATM (Automated Teller Machine) terminal in the second country,
The money of the first country paid or remitted by multiple users is deposited into the main account of the first country, and the money of the second country is withdrawn from the main account of the second country in the second country by each user,
The owners of the first station main account and the second station main account are the same entity as the service operating entity or entities in a cooperative relationship with each other;
Bank exchange fees do not intervene in the process of payment or remittance of money from the first country and deposited in the main account of the first country,
The money of the first country deposited multiple times by multiple users is remitted overseas to the main account of the second country at any time, and the service operator bears the currency exchange fee once at the time of the overseas remittance, A method of providing exchange service, which is to establish a fee operation policy. delete According to claim 1,
In step (a),
When receiving information of the second country to be exchanged and the amount of currency of the first country to be deposited by the user from the user terminal,
and allowing the amount of money in the first country converted according to the exchange rate based on the amount of the currency of the second country and the predetermined exchange fee to be input as the amount requested for exchange. According to claim 1,
Before step (c) above
The method of providing a currency exchange service further comprising providing a search interface capable of searching for locations of the objects subject to withdrawal in a second country capable of providing the currency exchange service to the user terminal. According to claim 1,
If the object to be withdrawn is an ATM terminal,
The step (c) is
Upon receiving a request for withdrawal of money deposited in the currency of the second country from the user terminal, after requesting issuance of withdrawal identification information to the ATM partner server of the second country, the withdrawal identification information received from the ATM partner server A method for providing a currency exchange service to the user terminal. According to claim 5,
The step (d) is
As the ATM terminal transmits the withdrawal identification information entered by the user to the ATM partner server, when a message indicating that withdrawal identification information authentication has been completed is received from the ATM partner server, the second country requested by the user terminal in the virtual wallet A method for providing a currency exchange service, wherein the amount of the currency of the second country is withdrawn from the ATM terminal without an ATM card. According to claim 1,
If the object to be withdrawn is an affiliated store in the second country,
The step (c) is
Upon receiving a withdrawal request for money deposited in a currency of a second country from the user terminal, generating withdrawal identification information and transmitting the withdrawal identification information to the user terminal;
The step (d) is
As the user presents the withdrawal identification information received through his/her user terminal to the affiliated store, information recognizing the withdrawal identification information transmitted to the user terminal from the terminal of the affiliated store is received, and the received information is sent to the main server If it matches the withdrawal identification information generated in, an authentication completion message is transmitted to the terminal of the affiliated store. According to claim 7,
The step (d) is
and receiving the withdrawal identification information from the terminal of the affiliated store as the terminal of the affiliated store recognizes the withdrawal identification information displayed on the screen of the user terminal. According to claim 1,
The process of providing the transfer request information in step (a) and confirming payment completion in step (b),
A method for providing a currency exchange service, which is performed based on any one of bank account transfer, card payment, virtual currency-based payment, and mobile phone bill-based payment. In the main server for providing your own currency exchange service that does not require an ATM card,
Memory and storage of programs that provide currency exchange services
Including a processor that executes a program stored in the memory to provide the exchange service,
When the processor receives an exchange request from a user terminal registered with a telecommunications company of the first country, it provides transfer request information corresponding to the exchange request, and payment or remittance of money in the first country is completed according to the transfer request information. If it is confirmed that it has been done, deposit the exchanged amount in the virtual wallet corresponding to the user terminal, check the balance of the virtual wallet for the user terminal, and provide withdrawal identification information and location information of the object to be withdrawn to the user terminal , In the second country, as the user of the user terminal visits the place where the withdrawal target object is located and provides predetermined input information, the user's input information is received from the withdrawal target object, and the user's input information and If the withdrawal identification information corresponds, the withdrawal of the exchange amount of the second country requested by the user terminal within the amount deposited in the virtual wallet is made through the withdrawal target object,
The object to be withdrawn refers to an affiliated store in the second country or an ATM (Automated Teller Machine) terminal in the second country,
The money of the first country paid or remitted by multiple users is deposited into the main account of the first country, and the money of the second country is withdrawn from the main account of the second country in the second country by each user,
The owners of the first station main account and the second station main account are the same entity as the service operating entity or entities in a cooperative relationship with each other;
Bank exchange fees do not intervene in the process of payment or remittance of money from the first country and deposited in the main account of the first country,
The money of the first country deposited multiple times by multiple users is remitted overseas to the main account of the second country at any time, and the service operator bears the currency exchange fee once at the time of the overseas remittance, Establishing fee operation policy,
main server.

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