KR20010008285A - Exchange method of currency using inter-net - Google Patents

Exchange method of currency using inter-net Download PDF

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Publication number
KR20010008285A
KR20010008285A KR1020000069216A KR20000069216A KR20010008285A KR 20010008285 A KR20010008285 A KR 20010008285A KR 1020000069216 A KR1020000069216 A KR 1020000069216A KR 20000069216 A KR20000069216 A KR 20000069216A KR 20010008285 A KR20010008285 A KR 20010008285A
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South Korea
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exchange
foreign
currency
transaction
foreign exchange
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KR1020000069216A
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Korean (ko)
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김명철
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김명철
주식회사 포렉스월드
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Priority to KR1020000069216A priority Critical patent/KR20010008285A/en
Publication of KR20010008285A publication Critical patent/KR20010008285A/en

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Abstract

PURPOSE: A method for processing an exchange of money via the internet is provided to guarantee the profit, the correctness and the transparency in the transaction of the exchange thereof, by offering an optimum exchange condition to a customer and an exchange trader to enable direct transaction of foreign currency. CONSTITUTION: A foreign currency server for providing integrated information on an exchange rate is established. The lowest selling price and the highest buying price are extracted from the information of the exchange rate. The information on the exchange trader is stored in a database. A customer compares the data in the foreign currency server with the data in the database, and thereby selects desired exchange information. The direct transaction is made by the discussion with the selected exchange trader. The data related to the direct transaction is reported periodically to a national authority concerned.

Description

인터넷을 이용한 환전 처리방법{Exchange method of currency using inter-net}How to handle currency exchange using the internet {Exchange method of currency using inter-net}

본 발명은 인터넷을 이용한 환전 처리방법에 관한 것으로, 더욱 상세하게는 원화 또는 외화에 대한 환전을 필요로 하는 다수의 고객과 환전상에게 최적의 환전조건을 제공하여 외환의 직거래를 가능하게 함으로서 간편하고 신속하게 거래되는 환전의 수익성과, 환전거래에 대한 정확성 및 투명성을 확보할 수 있는 인터넷을 이용한 환전 처리방법에 관한 것이다.The present invention relates to a method of processing currency exchange using the Internet, and more particularly, by providing an optimal currency exchange conditions for a large number of customers and exchangers who need to exchange currency for foreign currency or foreign currency, thereby enabling simple and rapid foreign exchange transactions. The present invention relates to a method of processing currency exchange using the Internet, which can secure profitability of currency exchange, and accuracy and transparency of currency exchange transactions.

일반적으로 원화 또는 외화를 교환하는 환전거래는 금융결재원의 자금 중계실에서 고시되는 일일 외환매매 기준율과 이에 부과되는 환전 수수료를 합산하여 외국환 취급은행이나 환전상을 통해 거래하게 되는 데, 종래에는 환전업무를 하는 외국환 취급은행이나 다수의 환전상마다 외환매매 기준율에 부과되는 환전 수수료가 제각기 다르게 책정됨에 따라 이에 대한 부족한 정보로 인하여 상대적으로 환전 수수료가 낮은 환전상을 이용하지 않고 인접지역의 외국환 취급은행을 통하여 환전이 이루어짐으로서 환전을 필요로 하는 많은 일반고객들에게 경제적인 손실을 끼치는 문제점이 있었고, 상대적으로 환전 수수료가 낮은 환전영업소를 이용하고자 하는 일반고객들은 환전상의 위치정보 및 연락처를 찾는데 많은 시간이 소요되는 불편함이 있었으며, 그리고 외국환 취급은행에 비해작은 규모와 인원에 따른 고정비용이 적어 비교적 저렴한 환전 수수료를 책정함으로서 많은 일반고객들이 거래하는 대다수의 환전상에는 각각의 이용고객에 대한 외화 보유현황을 알 수 있게 기록되는 고객과의 환전 거래내역이 수작업으로 이루어짐에 따라 오기에 의한 거래의 정확성이 떨어질 뿐 아니라 고의로 거래기록을 삭제시켜 외환거래의 투명성을 떨어지게 함으로서 이의 거래내역을 근거로 국가전체의 외환보유 현황을 공표하는 국가기관의 신뢰도를 떨어지게 하는 등의 여러가지 폐단이 있었다.In general, currency exchange transactions that exchange won or foreign currency are carried out through foreign exchange handling banks or exchangers by summing up the daily foreign exchange standard rate announced by the Financial Services Agency's fund relay room and the exchange fee imposed on it. As foreign exchange handling banks or exchangers charge different exchange fees imposed on the foreign exchange trading standard rate, the lack of information on the foreign exchange handling banks allows them to be exchanged through foreign exchange handling banks in neighboring regions instead of using them. As a result, there was a problem of economic loss to many general customers who need to exchange money, and general customers who want to use a currency exchange office with a relatively low exchange fee take much time to find the location information and contact information on the currency exchange. There was In addition, due to the small size and the fixed cost according to the number of personnel, compared to foreign exchange banks, it is possible to set a relatively low exchange fee. As the transaction history with the customer is made by hand, not only the accuracy of the transaction due to misunderstandings decreases, but also the purpose of deleting the transaction record intentionally decreases the transparency of the foreign exchange transaction. There have been a number of closures, including deteriorating the credibility of state institutions.

본 발명의 목적은 종래의 이와같은 문제점을 해소하고자 한 데 있는 것으로 종합적인 환율정보를 제공하는 외환서버를 구축하는 단계와; 이에 다수의 외국환 취급은행에서 각각 공시하는 환율정보 중에 최저의 매도가와 최고의 매수가를 추출하여 데이타 베이스로 구축하는 단계와; 각각의 환전상에 대한 소재와 거래실적 및 외환 매매가를 포함한 환전상 정보를 데이타 베이스로 구축하는 단계와; 환전을 필요로 하는 일반고객이 통상의 인터넷 연결수단을 통해 상기 외환서버에 구축된 외국환 취급은행과 환전상에 대한 데이타 베이스를 비교하여 최적조건의 환전정보를 수집 및 선택하는 단계와; 이에 선택된 환전상과 상담을 통해 직거래를 성립하는 단계와 ; 상기 환전상과 일반고객간의 거래내역을 포함한 각종 필요 데이타를 통상의 온라인망을 통해 일정주기별로 거래외국환 지정은행 및 한국은행 또는 국가기관에 전송하는 단계가 포함된 인터넷을 이용한 환전 처리방법을 제공코자 한 데 있는 것이 다.It is an object of the present invention to solve such problems in the prior art, comprising the steps of constructing a foreign exchange server for providing comprehensive exchange rate information; In this regard, a step of extracting the lowest selling price and the highest buying number from among the exchange rate information published by a plurality of foreign exchange handling banks and constructing a database; Constructing a database of currency exchange information including the location and performance of each currency exchange and a foreign exchange price; Collecting and selecting the exchange information of an optimal condition by comparing a database of a foreign exchange handling bank established on the foreign exchange server with a foreign exchange handling database established by the foreign exchange server through a normal internet connection means; Establishing a direct transaction through consultation with a selected foreign exchange agent; To provide a currency exchange method using the Internet including the step of transmitting various necessary data including transaction details between the exchanger and a general customer to a designated foreign exchange designated bank and the Bank of Korea or a national institution at regular intervals through a normal online network. It is

본 발명을 구현하는 또다른 인터넷을 이용한 환전 처리방법은 상기 외환서버에 다수의 회원고객이 희망하는 외환 매매가와 고객정보를 데이타 베이스로 구축하는 단계와; 이와 상기 환전상이 희망하는 외환매매가에 대한 데이타 베이스를 상호 검색하여 최적조건의 외환 매매가를 결정하는 단계와; 이에 결정된 외환 매매가에 따라 외환 거래를 성립하는 단계와; 이에 성립된 외환 거래에 대한 결재금액을 통상의 온라인 망으로 동일하게 개설된 거래 외국환 지정은행을 통해 자동이체를 수행하는 단계가 포함된 인터넷을 이용한 환전 처리방법을 제공코자 한 데 있는 것이다.Another method for processing currency exchange using the Internet embodying the present invention comprises the steps of: building a database of foreign exchange prices and customer information desired by a plurality of member customers on the foreign exchange server; Determining mutually exclusive foreign exchange trading prices by searching the database for foreign exchange trading prices desired by the foreign exchange merchant; Establishing a foreign exchange transaction in accordance with the foreign exchange transaction price determined thereby; The purpose of the present invention is to provide a method of processing currency exchange using the Internet, which includes the step of performing automatic transfer through a designated foreign exchange designated bank, which is established in the same way as a normal online network.

도 1 은 본 발명에 따른 인터넷을 이용한 환전처리를 도시한 흐름도1 is a flowchart illustrating a currency exchange process using the Internet according to the present invention.

도 2 는 본 발명의 다른 실시예에 따른 환전처리를 도시한 흐름도2 is a flowchart illustrating a currency exchange process according to another embodiment of the present invention.

본 발명에 따른 인터넷을 이용한 환전 처리방법은 웹 서버가 금융결재원의 자금 중계실에서 일일단위로 공시되는 각국별 외화매매 기준율을 인터넷 연결수단을 통해 웹 브라우저로 송신하고, 상기 외화매매 기준율에 환전 수수료를 합산하여 외환 매도가와 매수가가 기재된 각각의 외국환 취급은행 및 환전상에 대한 다수개의 웹 페이지를 통해 제공되는 환전정보에 따라 환전거래를 성립하는 인터넷을 이용한 환전 처리방법에 있어서, 본 발명에 따른 인터넷을 이용한 환전 처리방법은 도 1에 도시한 바와같이 상기 웹 페이지에 대한 각각의 외화 환전정보를 종합적으로 제공하는 외환서버를 구축하는 1단계와; 상기 외환서버에 각각의 외국환 취급은행에서 공시되는 각국별 외환 매도가와 매수가를 데이타 베이스로 구축하여 내부 프로그래밍에 의한 최저의 외환 매도가와 최고의 매수가를 추출하는 2단계와; 상기 외환서버에 각각의 환전상에 대한 외환 매도가, 매수가와 연락처가 명기된 환전상의 소재위치 및 일정기간별 환전상의 거래실적을 데이타 베이스로 구축하는 3단계와; 환전을 필요로 하는 일반고객이 통상의 인터넷 연결수단을 통해 상기 외국환 취급은행의 최저 외환 매도가 최고 매수가와, 상기 환전상의 외환 매도 매수가를 비교 선택하는 4단계와; 이에 비교되어 최적의 외환 거래조건에 해당하는 환전상과의 상담 및 직거래를 성립하는 5단계와; 각각의 환전상에서 이루어지는 거래내역을 포함한 각종 필요 데이타를 통상의 온라인망을 통해 일정주기별로 거래외국환 지정은행 및 한국은행 또는 국가기관에 전송하는 6단계를 포함하여서 됨을 특징으로 한 것이다.In the method of processing currency exchange using the Internet according to the present invention, a web server transmits a foreign currency selling rate of each country, which is announced on a daily basis in the financial relay room of the Financial Services Agency, to a web browser through an internet connection means, and converts the exchange rate to the foreign currency selling rate. In the currency exchange processing method using the Internet for establishing a currency exchange transaction according to currency exchange information provided through a plurality of web pages for each foreign currency handling bank and currency exchange where the foreign currency sale and the purchase amount are summed up, the Internet according to the present invention is used. As shown in FIG. 1, the currency exchange processing method may include: a first step of constructing a foreign exchange server for comprehensively providing foreign currency exchange information for the web page; A second step of extracting the lowest foreign currency sale and the highest foreign currency by internal programming by constructing a database of foreign currency sales and purchases published by respective foreign exchange handling banks in the foreign exchange server; A third step of constructing a database of foreign exchange selling, exchange location of exchanges for which exchanges and contacts are specified, and transaction performances of exchanges for a period of time in the foreign exchange server; A fourth step in which a general customer needing currency exchange compares the minimum foreign currency purchase price of the foreign exchange handling bank with the highest foreign currency purchase amount and the foreign currency purchase price on the foreign currency exchange through a normal internet connection means; A fifth step of establishing a consultation and direct transaction with a foreign exchange agent corresponding to the best foreign exchange transaction conditions in comparison thereto; It includes six steps of transmitting various necessary data including transaction details on each currency exchange to a designated foreign exchange designated bank and the Bank of Korea or a national institution at regular intervals through a normal online network.

본 발명에 따른 인터넷을 이용한 환전 처리방법에 대한 다른 실시예로 도 2에 도시한 바와같이 상기 외환서버에 회원으로 가입된 다수의 회원고객에 대한 고객정보와 고객이 제시하는 외환 매도가 및 매수가를 데이타 베이스로 구축하는 7단계와; 상기 외환서버에 각각의 환전상이 희망하는 외환 매도가와 매수가를 포함한 외환 매매가와 연락처가 명기된 환전상의 소재위치 및 일정기간별 환전상의 거래실적을 데이타 베이스로 구축하는 8단계와; 상기 회원고객 및 환전상에 대한 각각의 데이타 베이스를 상호 검색하여 최적조건의 외환 매도가와 매수가를 결정하여 외환 거래를 성립하는 9단계와; 상기 회원고객 및 환전상이 동일한 거래 외국환 지정은행에 이체계좌를 개설하여 통상의 온라인 망으로 외환거래가 성립된 결제대금을 이체하는 10단계와; 각각의 환전상에서 이루어지는 거래내역을 포함한 각종 필요 데이타를 통상의 온라인망을 통해 일정주기별로 거래외국환 지정은행 및 한국은행 또는 국가기관에 전송하는 11단계를 포함하여서 됨을 특징으로 한 것이다.As another embodiment of a method for processing currency exchange using the Internet according to the present invention, as shown in FIG. 2, the customer information for a plurality of member customers registered as members in the foreign exchange server and the foreign currency sale and purchase presented by the customer 7 steps of building a database; An eighth step of constructing, on the foreign exchange server, a database of the location of the foreign currency on which the foreign exchange price and the number of contacts desired by the foreign currency exchanger and the number of contacts are specified, and the transaction results of the foreign currency exchange for a certain period of time; 9 steps of mutually searching the respective databases of the member customer and the exchanger to determine the foreign currency sale and the purchase of optimum conditions and establish foreign exchange transactions; 10 steps of opening a transfer account at a designated foreign exchange designated bank where the member customer and the exchanger have the same transaction and transferring the settlement price for which a foreign exchange transaction is established to a normal online network; It includes 11 steps of transmitting various necessary data including transaction details on each currency exchange to a designated foreign exchange designated bank and the Bank of Korea or a national institution at regular intervals through a normal online network.

이와같이 된 본 발명의 바람직한 실시예에 따른 인터넷을 이용한 환전 처리방법을 상세하게 설명하면 다음과 같다.When the currency exchange processing method using the Internet according to a preferred embodiment of the present invention as described above will be described in detail.

먼저 환전을 필요로 하는 일반고객이 통상의 인터넷 연결수단을 통해 본 발명의 외환서버에 접속을 하게 되면 일반고객의 웹 브라우저에는 상기 외환서버에 다수의 외국환 취급은행을 데이타 베이스로 구축하여 매매기준율과 환전 수수료가 합산된 외환 매도가와 매수가를 공시하는 각각의 외국환 취급은행 중에 내부 프로그래밍에 의한 최저 매도가격과 최고 매수가격을 추출한 데이타가 디스플레이 됨과 동시에, 상기 외환서버에 각각의 환전상을 데이타 베이스로 구축하여 외환에 대한 매도/매수가와 연락처가 명기된 환전상의 소재위치 정보가 디스플레이 됨에 따라 일반고객이 다수의 외국환 취급은행과 각각의 환전상에 대한 환율정보를 비교함으로서 일반고객과 최적의 거래조건을 제시하는 외국환 취급은행 또는 환전상을 선택할 수 있게 되어 보다 정확한 환율정보를 통한 환전에 대한 수익성을 확보할 수 있게 된다.First, when a general customer who needs to exchange money accesses the foreign exchange server of the present invention through a normal internet connection means, a web browser of the general customer establishes a database of a number of foreign exchange handling banks on the foreign exchange server as a database. The data of extracting the minimum selling price and the highest buying price through internal programming are displayed among the foreign exchange handling banks that disclose foreign exchange selling and buying in which foreign exchange fees are summed up. As the information on the location of the exchange on which foreign currency is sold / buy and contact information is displayed, the foreign customer can compare the exchange rate information of each foreign exchange bank with each foreign exchange bank and present the optimal trading conditions with the general customer. Being able to choose your bank or money exchanger It is possible to ensure the profitability of the exchange rates with more precise information.

그리고 상기 외환서버에는 선택된 외국환 취급은행 또는 환전상에 대한 연락처와 소재위치가 데이타 베이스로 구축되어 있음에 따라 이의 소재위치와 연락처를 확인하여 보다 상세한 환전거래에 대한 상담과 직거래를 성립할 수 있게 함으로서 간편하고 신속하게 성립되는 외환거래의 정확성을 높일 수 있게 된다.In addition, since the contact information and the location of the selected foreign exchange handling bank or currency exchange are established in the database, the foreign exchange server can confirm the location and contact information of the foreign exchange handling bank or exchanger to establish a detailed exchange consultation and direct transaction. It is possible to increase the accuracy of foreign exchange trading that is established quickly and quickly.

또한 각각의 환전상에서 이루어지는 거래내역을 포함한 각종 필요 데이타가 통상의 온라인망을 통해 일정주기별로 거래 외국환 지정은행 및 한국은행 또는 국가기관으로 전송됨에 따라 일정주기별로 국가전체의 외환보유 현황을 공표하는 국가기관은 외국환 취급은행 뿐만 아니라 각각의 환전상에서 이루어지는 일반고객과의 외환거래 내역을 알게되어 외화거래의 투명성을 높일 수 있고 전체적인 외화흐름이 파악되어 국가전체에 대한 외환보유 현황파악이 용이하게 된다.In addition, countries that announce the status of foreign exchange holdings throughout the country as various necessary data, including transaction details on each currency exchange, are sent to a designated foreign exchange bank, the Bank of Korea, or a national institution through a regular online network. Institutions can learn about foreign exchange transactions not only with foreign exchange banks but also with general customers at each currency exchange, thereby increasing transparency in foreign currency transactions, and grasping the overall foreign currency flow, making it easier to grasp the current foreign exchange reserves of the entire country.

본 발명의 다른 실시예로서 상기 외환서버에 환전을 필요로 하는 회원으로 가입된 다수의 회원고객에 대한 고객정보와 고객이 제시하는 외환 매도가 및 매수가를 데이타 베이스로 구축하고, 이와 상기 외환서버에 외화 매도가와 매수가와 같은 환율정보가 포함된 각각의 환전상에 대한 상세정보가 구축된 환전상의 데이타 베이스를 상호 검색하여 회원고객과 환전상간에 상호 검색에 의한 최적조건의 외환 매매가를 결정할 수 있게 함으로서 전술한 바와같이 회원고객과 환전상을 온라인 상에서 계좌이체에 의한 최적조건의 외화환전이 가능하게 되어 간편하고 신속하게 거래되는 환전에 대한 수익성과 정확성을 높일 수 있게 된다.As another embodiment of the present invention, a customer database for a plurality of member customers registered as members in need of exchange in the foreign exchange server, and a foreign currency selling and buying number suggested by the customer are constructed as a database. The above-mentioned information can be determined by mutually searching a database of currency exchanges where detailed information on each currency exchanger including exchange rate information such as foreign currency selling and buying is established. As such, it is possible to exchange foreign currency with the optimal conditions by online bank transfer of member customers and exchangers, thereby increasing the profitability and accuracy of simple and quick exchanges.

그리고 최적조건으로 환전의 거래가 성립된 회원고객과 환전상에 대한 계좌이체 은행이 동일하게 개설된 거래 외국환 지정은행을 통해 통상의 온라인 망으로 환전에 따른 결재금액을 자동이체함으로서 환전거래의 투명성을 높일 수 있게 된다.In addition, it is possible to increase the transparency of currency exchange transactions by automatically transferring the settlement amount due to the exchange through the designated foreign exchange bank through the same bank for foreign exchange designated banks. Will be.

이와같이 된 본 발명은 종합적인 환율정보가 제공되는 외환서버를 구축하여 이에 외국환 취급은행과 환전상 또는 회원고객과 환전상에 대한 환율정보를 데이타 베이스로 구축하여 다수의 일반고객과 환전상 간에 최적조건의 환율정보를 웹 브라우저상에 실시간으로 제공함으로서 간편하고 신속한 환전거래에 따른 수익성을 최대로 높일 수 있는 경제적인 잇점이 있고, 또한 회원고객과 환전상간에 거래에 의한 환전 결재금액을 동일하게 개설된 거래 외국환 지정은행의 통상의 온라인 망으로 자동이체함으로서 환전거래의 투명성을 높일 수 있을 뿐 아니라, 거래 외국환 지정은행과 고객 및 환전상의 상호간에 이루어지는 거래내역이 포함된 각종 필요 데이타를 일정주기별로 전송받는 국가기관은 외화흐름을 신속 정확하게 파악하여 국가전체의 외환보유 현황과 이를 근거로 부과되는 각종 세금을 공평하게 과세할 수 있는 등의 그 효과가 매우 크다.Thus, the present invention builds a foreign exchange server that provides comprehensive exchange rate information, thereby constructing a database of exchange rate information on foreign exchange handling banks and exchangers or member customers and exchangers as a database. A real-time exchange designated bank that has the same economic benefits that can maximize profitability due to simple and rapid exchange of money by providing a real time on a web browser. In addition to increasing the transparency of currency exchange transactions by automatically transferring money to ordinary online networks, national authorities that receive various necessary data, including transaction details, between transactions designated by foreign exchange designated banks, customers, and currency exchange on a periodic basis are required to exchange foreign currency. To quickly and accurately understand the flow The effect of such can fairly assess various taxes imposed by holdings and this basis is very large.

Claims (4)

웹 서버가 금융결재원의 자금 중계실에서 일일단위로 공시되는 각국별 외화매매 기준율을 인터넷 연결수단을 통해 웹 브라우저로 송신하고, 상기 외화매매 기준율에 환전 수수료를 합산하여 외환 매도가와 매수가가 기재된 각각의 외국환 취급 은행 및 환전상에 대한 다수개의 웹 페이지를 통해 제공되는 환전정보에 따라 환전거래를 성립하는 인터넷을 이용한 환전 처리방법에 있어서, 본 발명에 따른 인터넷을 이용한 환전 처리방법은 상기 웹 페이지에 대한 각각의 외화 환전정보를 종합적으로 제공하는 외환서버를 구축하는 1단계와; 상기 외환서버에 각각의 외국환 취급은행에서 공시되는 각국별 외환 매도가와 매수가를 데이타 베이스로 구축하여 내부 프로그래밍에 의한 최저의 외환 매도가와 최고의 매수가를 추출하는 2단계와; 상기 외환서버에 각각의 환전상에 대한 외환 매도가, 매수가와 연락처가 명기된 환전상의 소재위치 및 일정기간별 환전상의 거래실적을 데이타 베이스로 구축하는 3단계와; 환전을 필요로 하는 일반고객이 통상의 인터넷 연결수단을 통해 상기 외국환 취급은행의 최저 외환 매도가 최고 매수가와, 상기 환전상의 외환 매도 매수가를 비교 선택하는 4단계와; 이에 비교되어 최적의 외환 거래조건에 해당하는 환전상과의 상담 및 직거래를 성립하는 5단계와; 각각의 환전상에서 이루어지는 거래내역을 포함한 각종 필요 데이타를 통상의 온라인망을 통해 일정주기별로 거래외국환 지정은행 및 한국은행 또는 국가기관에 전송하는 6단계를 포함하여서 됨을 특징으로 한 인터넷을 이용한 환전 처리방법.The web server transmits the foreign currency trading standard rate published on a daily basis in the funding center of the KFTC to the web browser through the Internet connection means, and adds the exchange rate to the foreign currency selling rate and adds the foreign currency selling and buying price. In the exchange processing method using the Internet to establish a currency exchange transaction according to exchange information provided through a plurality of web pages for foreign exchange handling banks and money exchangers, the method for processing currency exchange using the Internet according to the present invention may be performed for each of the web pages. A first step of constructing a foreign exchange server that comprehensively provides foreign currency exchange information of the foreign currency; A second step of extracting the lowest foreign currency sale and the highest foreign currency by internal programming by constructing a database of foreign currency sales and purchases published by respective foreign exchange handling banks in the foreign exchange server; A third step of constructing a database of foreign exchange selling, exchange location of exchanges for which exchanges and contacts are specified, and transaction performances of exchanges for a period of time in the foreign exchange server; A fourth step in which a general customer needing currency exchange compares the minimum foreign currency purchase price of the foreign exchange handling bank with the highest foreign currency purchase amount and the foreign currency purchase price on the foreign currency exchange through a normal internet connection means; A fifth step of establishing a consultation and direct transaction with a foreign exchange agent corresponding to the best foreign exchange transaction conditions in comparison thereto; Internet exchange method comprising the six steps of transmitting various necessary data including transaction details on each currency exchange to a designated foreign exchange designated bank and the Bank of Korea or a national institution at regular intervals through a regular online network. . 상기 외환서버에 회원으로 가입된 다수의 회원고객에 대한 고객정보와 고객이 제시하는 외환 매도가 및 매수가를 데이타 베이스로 구축하는 7단계와; 상기 외환서버에 각각의 환전상이 희망하는 외환 매도가와 매수가를 포함한 외환 매매가와 연락처가 명기된 환전상의 소재위치 및 일정기간별 환전상의 거래실적을 데이타 베이스로 구축하는 8단계와; 상기 회원고객 및 환전상에 대한 각각의 데이타 베이스를 상호 검색하여 최적조건의 외환 매도가와 매수가를 결정하여 외환 거래를 성립하는 9단계와; 상기 회원고객 및 환전상이 동일한 거래 외국환 지정은행에 이체계좌를 개설하여 통상의 온라인 망으로 외환거래가 성립된 결제대금을 이체하는 10단계와; 각각의 환전상에서 이루어지는 거래내역을 포함한 각종 필요 데이타를 통상의 온라인망을 통해 일정주기별로 거래외국환 지정은행 및 한국은행 또는 국가기관에 전송하는 11단계를 포함하여서 됨을 특징으로 한 인터넷을 이용한 환전 처리방법.A seventh step of constructing a database of customer information on a plurality of member customers registered as members in the foreign exchange server and a foreign currency sale and purchase number presented by the customer; An eighth step of constructing, on the foreign exchange server, a database of the location of the foreign currency on which the foreign exchange price and the number of contacts desired by the foreign currency exchanger and the number of contacts are specified, and the transaction results of the foreign currency exchange for a certain period of time; 9 steps of mutually searching the respective databases of the member customer and the exchanger to determine the foreign currency sale and the purchase of optimum conditions and establish foreign exchange transactions; 10 steps of opening a transfer account at a designated foreign exchange designated bank where the member customer and the exchanger have the same transaction and transferring the settlement price for which a foreign exchange transaction is established to a normal online network; Internet exchange method comprising the 11 steps of transmitting various necessary data including transaction details on each currency exchange to a designated foreign exchange designated bank and the Bank of Korea or a national institution at regular intervals through a regular online network. . 제 1항 또는 제 2항에 있어서, 상기 외환서버에는 다수의 외국환 취급은행에 대한 외환의 최저 매도가와 최고 매수가의 추출과, 데이타 베이스로 구축된 회원고객과 환전상간에 검색되어 결정되는 최적의 환전거래 조건을 내부 프로그래밍으로 하여서 됨을 특징으로 한 인터넷을 이용한 환전 처리방법.The foreign exchange server according to claim 1 or 2, wherein the foreign exchange server extracts the minimum selling price and the highest buying amount of foreign currency for a plurality of foreign exchange handling banks, and searches for and determines an exchange between a member customer constructed from a database and a currency exchanger. A currency exchange method using the Internet, characterized in that the condition is set by internal programming. 제 1항 또는 제 2항에 있어서, 상기 외환서버에서 직거래가 성립된 일반고객과 환전상 또는 회전고객간에는 통상의 온 라인망으로 연결되게 하여서 됨을 특징으로 한 인터넷을 이용한 환전 처리방법.The method according to claim 1 or 2, wherein the general customer who has established a direct transaction in the foreign exchange server and the exchanger or rotating customer are connected by a normal online network.
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WO2003014996A1 (en) * 2001-08-07 2003-02-20 University Bank System and method for stock exchange listed foreign exchange
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