KR20170052402A

KR20170052402A - Method for supporting currency exchange based on an exchange rate, server and user terminal using the same

Info

Publication number: KR20170052402A
Application number: KR1020150154787A
Authority: KR
Inventors: 이성주
Original assignee: 마이뱅크주식회사
Priority date: 2015-11-04
Filing date: 2015-11-04
Publication date: 2017-05-12
Also published as: WO2017078307A1

Abstract

According to an aspect of the present invention, a method for supporting the performance of a currency exchange at a predetermined exchange rate comprises: (a) a step in which a server, when a specific currency is obtained on the basis of a daylight trading basic exchange rate of a specific currency with respect to a trading bank from a private currency exchange office, provides information about the daylight trading basic exchange rate or information about an exchange rate within a predetermined range from the daylight trading basic exchange rate as trading initiation exchange rate information; (b) a step in which the server, when exchange rate information set on the basis of the trading initiation exchange rate information is inputted by at least one user, determines a user who presents top n^(th) high exchange rate information in a predetermined range of inputted exchange rate information as an opponent of exchange trading or exchange reservation; and (c) a step in which the server, when information corresponding to the amount of the exchange trading or the exchange reservation is sensed, generates or supports the generation of exchange trading information or exchange reservation information which shows the completion of the exchange trading or the exchange reservation in accordance with an exchange rate inputted by the user determined as the opponent of the exchange trading or the exchange reservation.

Description

[0001] METHOD FOR SUPPORTING CURRENCY EXCHANGE BASED ON AN EXCHANGE RATE, SERVER AND USER TERMINAL USING THE SAME [0002] BACKGROUND OF THE INVENTION [0003]

The present invention relates to a method, a server, and a user terminal for supporting exchange of currency at a predetermined exchange rate. More particularly, the present invention relates to a method and apparatus for exchanging exchange rates obtained through auction- A server, and a user terminal.

In the past, the public had to visit the bank to buy foreign currency, but from 2015, ordinary people can legally buy foreign currency through the exchange bank. As a result, foreign exchange transactions have been actively conducted against the general public at 1,400 foreign exchange counters registered at the Bank of Korea.

Unlike banks, private exchange banks usually operate exchange business until late at night, but there are limits to the size of foreign currencies that can be managed because they are small in size. When it is around 4:00 pm on weekdays, foreign currency To the bank. Thus, when a private exchange is selling foreign currency to a bank, it is common to sell foreign currency to a bank at a price lower than the transaction standard rate.

As such, after 4 pm on weekdays, there is a disadvantage that foreign exchange is sold at a price lower than the trading base rate in the case of a private exchange center. On the other hand, there is an inconvenience for foreign exchange users to go to a private exchange center late at night to exchange money after the opening hours of the bank, or to use an airport exchange center with a high exchange fee.

Therefore, even after about 4:00 pm, the private exchange center can sell foreign currencies at a lower exchange rate than the reference currency exchange rate, and the foreign currency users can conveniently exchange money without visiting an exchange bank at night or using an exchange money exchange office with a high exchange fee A technical solution is required.

SUMMARY OF THE INVENTION The present invention has been made to solve all the problems described above.

Also, according to the present invention, it is possible to sell foreign currencies at a private exchange center not lower than the reference exchange rate even after about 4:00 pm, and to exchange money conveniently without using an airport exchange office where a currency exchange customer searches for a private exchange center late at night, And to do so.

Further, according to the present invention, after about 4:00 pm, a specific currency is acquired based on the exchange rate of the specific currency for the specific currency from the private money exchange office to the transaction bank after 4:00 pm, and the auction is conducted with respect to the currency consumer with respect to the specific currency, The foreign exchange can be sold without lower than the reference exchange rate and the exchange customer can easily purchase the foreign currency at a price that is more advantageous than the exchange exchange.

Also, according to the present invention, a foreign currency buyer easily participates in a foreign currency auction and receives a foreign currency awarded at an auction at an airport, whereby a foreign currency purchaser conveniently buys foreign currency at a cheaper price than an airport exchange, Another purpose is to make it available at the airport.

In addition, in the present invention, when a currency exchange reservation or a currency exchange transaction is performed in the same manner as described above and the right of receipt of the foreign currency receiver is identified, a card charged with the foreign currency is issued and a foreign currency conveniently converted into a cash card form is used Another purpose is to do.

In order to accomplish the above object, a representative structure of the present invention is as follows.

According to one aspect of the present invention, there is provided a method for supporting performing currency exchange at a predetermined exchange rate, the method comprising the steps of: (a) if a particular currency is acquired based on the same currency- The server providing the exchange rate information in the predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate information as the transaction starting exchange rate information; (b) receiving, by at least one user, Determining whether the user is a counter exchange counterpart or a currency exchange counterpart for a user who has presented the exchange rate information in the highest rank within the predetermined range among the inputted exchange rate information, When the information corresponding to the exchange transaction or the amount of the exchange reservation is detected, the server performs the exchange transaction or the exchange The other party based on the rates entered by the determined user with a method comprising the steps of: supporting the currency exchange or the exchange reservation is to create a currency exchange transaction information or exchange reservation information or generated to indicate that close is provided.

According to another aspect of the present invention, there is provided a method for supporting performing currency exchange at a predetermined exchange rate, the method comprising the steps of: (a) The user terminal receives and displays exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate as the exchange start exchange rate information from the server, (I) if the exchange rate information set based on the exchange-rate-of-exchange information is input by the user terminal, (i) Supports users who have presented high exchange rate information to determine exchange counterparts or exchange counterparts (Ii) when the information corresponding to the money exchange transaction or the money exchange reservation amount is detected, the exchange transaction or the currency exchange reservation is executed according to the exchange rate inputted by the user determined as the counterpart of the exchange transaction or the exchange money reservation Of the currency exchange transaction information or currency exchange reservation information indicating that the currency exchange transaction information has been exchanged.

According to another aspect of the present invention, there is provided a server for supporting exchange of currency at a predetermined exchange rate, wherein, when a specific currency is acquired based on the same currency exchange rate as that of a specific currency for a transaction bank from a private exchange bank, When the exchange rate information set on the basis of the exchange rate conversion information is input by the at least one user, the exchange rate information or the exchange rate information, A processor for determining a user who presents high exchange rate information within a predetermined range among the inputted exchange rate information as a counter currency exchange transaction or a currency exchange reservation; and a processor for, when information corresponding to the exchange transaction or the amount of the exchange reservation is detected , A user determined as a counterpart of the currency exchange transaction or the currency exchange reservation The server containing the Exchange database or the transaction manager to support the exchange reserve is to create a currency transaction exchange information or reservations, or create, indicating that the sacraments are provided according to the exchange rate entered by.

According to another aspect of the present invention, there is provided a user terminal for supporting exchange of currency at a predetermined exchange rate, the user terminal comprising: A user interface providing unit for receiving and displaying exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate from the server as the exchange start exchange rate information, (I) a user who has presented high exchange rate information within a predetermined range among the exchange rate information input by at least one user, Or exchange counterparts, and (ii) Exchange transaction information indicating that the currency exchange transaction or the currency exchange reservation has been concluded according to the exchange rate input by the user determined as the counterparty of the exchange transaction or the currency exchange reservation, There is provided a user terminal including a communication unit for supporting exchange reservation information to be generated.

The present invention has the following effects.

According to the present invention, it is possible to sell foreign currencies at a private exchange center not lower than the reference exchange rate even after about 4:00 pm, and to exchange money conveniently without using an exchange money exchange center where a money exchange customer searches for a private exchange center late at night, There is an effect that can be.

Further, according to the present invention, after about 4:00 pm, a specific currency is acquired based on the exchange rate of the specific currency for the specific currency from the private money exchange office to the transaction bank after 4:00 pm, and the auction is conducted with respect to the currency consumer with respect to the specific currency, It is possible to sell foreign currencies not lower than the reference currency exchange rate and to enable foreign currency users to easily purchase foreign currencies at a price that is more advantageous than the airport currency exchange counterparts.

Also, according to the present invention, a foreign currency buyer easily participates in a foreign currency auction and receives a foreign currency awarded at an auction at an airport, whereby a foreign currency purchaser conveniently buys foreign currency at a cheaper price than an airport exchange, There is an effect that it can be received at the airport.

In addition, in the present invention, when a currency exchange reservation or a currency exchange transaction is performed in the same manner as described above and the right of receipt of the foreign currency receiver is identified, a card charged with the foreign currency is issued and a foreign currency conveniently converted into a cash card form is used .

1 is a conceptual diagram showing a configuration of a currency exchange system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
3 is a flow diagram of a method for supporting exchange performance according to one embodiment of the present invention.
4 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

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

Referring to FIG. 1, a currency exchange system 1000 according to an embodiment of the present invention includes a server 100, a user terminal 200, a exchange terminal 300, and a distributor terminal 400.

Referring to FIG. 1, the server 100 can acquire trading-standard exchange rate information of a specific currency for a transaction bank of each of a plurality of private exchange shops 30-1, 30-2, ..., 30-n . At this time, the service provider that manages the server 100 receives a specific currency from the plurality of private exchange shops 30-1, 30-2, ..., 30- Can be purchased. For example, assuming that the exchange rate for the day of the A currency exchange is 180 won, the service provider managing the server 100 purchases the yuan at the exchange rate of 180 won or a little higher than 181 won . Then, the server 100 may provide the exchange rate information within the predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate as the exchange start exchange rate information. Here, the information on the exchange rate for starting the sale may be the information on the amount for which the foreign currency auction is started. At least one user can bid on a foreign currency auction by inputting exchange rate information desired to be bought through his / her user terminal 200-1, 200-2, .... Although there may be more than one user terminal, it is shown that there are two user terminals for convenience of explanation.

When the exchange rate information set based on the exchange rate information is input by at least one user, the server 100 transmits the exchange rate information to the user May be determined as the counterpart of the currency exchange transaction or currency exchange reservation. For example, a user who presents the highest exchange rate information among the exchange rate information inputted by a plurality of users within the airport exchange rate range may be a counterparty of a currency exchange transaction or a currency exchange reservation. If a user who is determined as a counterpart of a currency exchange transaction or a currency exchange reservation inputs information corresponding to a currency of a currency exchange transaction or a currency exchange reservation, a currency exchange transaction or a currency exchange reservation can be established.

That is, when the information corresponding to the money exchange transaction or the money exchange reservation amount is detected, the server 100 determines whether the money exchange transaction or the money exchange reservation is performed according to the exchange rate inputted by the user determined as the counterpart of the exchange transaction or the exchange reservation And to generate or generate currency exchange transaction information or currency exchange reservation information indicating that the reservation has been fulfilled. Here, the detection of the information corresponding to the amount of the currency exchange transaction or the money exchange reservation may be performed by: (i) depositing the money in the currency exchange transaction or the currency exchange reservation to a predetermined account; or (ii) Or (iii) a collateral corresponding to the amount of the currency exchange transaction or the currency exchange reservation is paid.

In addition, the server 100 may send information about a specific place and a specific date and time to receive the foreign currency to the foreign currency receipt authority terminal so as to support the foreign currency receipt authority to receive the foreign currency at the specific date and time. At this time, as shown in FIG. 1, the foreign currency recipient terminal may be a user terminal 200-1 that has bid on a foreign currency auction, or may be a separate terminal. In the latter case, the recipient of the foreign currency may differ from the user who bid on the foreign currency auction. Even if the foreign currency receiver and the user who bid on the foreign currency auction are the same, the foreign currency receipt terminal and the user terminal that bid on the foreign currency auction may be different. For example, the user terminal that made the bid for the foreign currency auction may be a stationary terminal, and the foreign currency receipt terminal may be a mobile terminal.

In addition, the server 100 transmits the information about the specific place and the specific date and time to at least a part of the delivery server (not shown) and the deliverer terminal, and dispatches the foreigner to the specific place on the specific date and time To the recipient. In the example shown in FIG. 1, the server 100 transmits information on a specific place and a specific date and time to the sender terminal 400, so that the sender having the sender terminal 400 is dispatched to a specific place on a specific date and time, To the recipient of the foreign currency. The specific location may be the airport 40 as shown in FIG.

Hereinafter, the configuration of the server 100 will be described, and a method for supporting exchange execution according to the present invention will be described in more detail.

FIG. 2 is a block diagram illustrating a configuration of a server according to an embodiment of the present invention, and FIG. 3 is a flowchart of a method for supporting exchange execution according to an embodiment of the present invention.

Referring to FIG. 2, a server 100 according to an exemplary embodiment of the present invention may include a communication unit 110, a processor 120, and a database management unit 120.

The communication unit 110 can acquire the exchange rate information on the same day of the specific currency for the transaction bank of each of the plurality of private exchange centers 30-1, 30-2, ..., 30-n. Then, it is possible to inquire of the private exchange center terminal whether to buy or sell a specific currency on the basis of the exchange rate on the same day of the specific currency with respect to the transaction bank (S310). Generally speaking, unlike a bank, a currency exchange business is often conducted until late at night. However, since it is small in size, there is a limit to the amount of foreign currency that can be managed. When it is about 4:00 pm, foreign currency It is often sold to a bank. However, when a private exchange center sells foreign currency to a bank, the foreign currency is typically sold to the bank at a price lower than the transaction standard rate, so that the communication unit 110 can sell the remaining currency to the service provider at a higher price It is inquiry.

If the specific currency is acquired based on the exchange rate of the specific currency for the specific currency with respect to the bank from the private exchange money exchange station, the communication unit 110 transmits / receives the exchange rate information within the predetermined range from the same- To the user terminal 200 as the start exchange rate information (S320). The acquisition of the specific currency may be performed within a predetermined time after the specific point of time when the field of foreign exchange sale ends.

Processor 120 is a configuration that performs various data operations and processes. In particular, when the exchange rate information set based on the exchange-traded-exchange rate information is input by at least one user, the processor 120 presents the exchange rate information in the highest rank within the predetermined range of the input exchange rate information The user can be determined as the counterpart of the currency exchange transaction or the currency exchange reservation (S330). That is, when the bidder for the exchange rate auction is made through the at least one user terminal, the processor 120 transmits the high exchange rate information within the predetermined range of the inputted exchange rate information to the user of the user terminal Can be determined as the counterpart of the currency exchange transaction or the currency exchange reservation.

The processor 120 also controls the flow of data between the communication unit 110 and a database management unit 130, which will be described later. That is, the processor 120 controls the flow of data between the respective components of the server 100 to control the communication unit 110 and the database management unit 130 to perform unique functions.

The processor 120 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

The database management unit 130 is configured to support the generation or generation of the exchange transaction information or the exchange reservation information when the counterparty of the exchange transaction or the currency exchange reservation is determined and the information corresponding to the currency of the exchange transaction or the exchange reservation is detected, to be. More specifically, when information corresponding to the exchange transaction or the amount of money of the exchange reservation is sensed (S340-Y), the database management unit 130 updates the exchange rate entered by the user determined as the opponent of the exchange transaction or the exchange reservation (Step S350). In step S350, the user can generate or generate currency exchange transaction information or exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation has been completed. In this case, if there is a separate payment gateway server, the payment proxy server, if information corresponding to the exchange transaction amount or the exchange reservation amount for reserving the exchange transaction is detected, Can be transmitted to the server 100.

The currency exchange transaction information or currency exchange reservation information generated as described above may be stored in a database. On the other hand, if the information corresponding to the money exchange transaction or the money exchange reservation amount is not sensed within a predetermined time (S340-N), the exchange transaction or the exchange reservation reservation may be stopped (S355).

Meanwhile, the communication unit 110 transmits the currency exchange transaction information or the currency exchange reservation information to the foreign currency recipient terminal (S360), and the currency exchange is performed according to the exchange rate input by the user determined as the counterpart of the exchange transaction or exchange reservation . The currency exchange transaction information or the currency exchange reservation information may include at least a part of the currency information to be exchanged, the determined exchange rate information, and the exchange rate information.

In addition, the communication unit 110 generates a unique value for identifying (i) the right of receipt of the foreign currency receipt right and transmits it to the foreign currency recipient terminal, and (ii) To the foreign currency receipt authority terminal to support the foreign currency receipt authority to receive the foreign currency at the specific date and time at the specific date and time (S370). At this time, the eigenvalue may be the identification information of the foreign currency receiver.

In the above (ii), the communication unit 110 transmits information about the specific place and the specific date and time to at least a part of the delivery server and the deliverer terminal, dispatches the sender to the specific place on the specific date and time, And to transfer the foreign currency to the foreign currency receiver. Here, the delivery server is a server that manages the foreign currency delivery status, and can store at least a part of the euros value information for identifying the exchanged transaction information, the place and the date of delivery of the foreign currency, and the receipt right of the foreign currency receipt authority. Further, the specific place may be the airport 40 as shown in Fig.

The recipient of a foreign currency can present a unique value that demonstrates the right to receive foreign currency at a particular location. The eigenvalue may be input to the sender terminal 400. The sender terminal 400 can transmit the inputted eigenvalue to the server 100 or the delivery server (not shown).

When the eigenvalue is transmitted to the server 100, the processor 120 compares the received eigenvalue with the generated eigenvalue and transmits information about the result of the comparison to the sender terminal 400, the delivery server, To at least a portion of the terminals. If the receipt authority of the foreign currency recipient is identified according to the eigenvalue, the foreign currency recipient can receive the foreign currency in cash at the specific location mentioned above. Alternatively, the foreign currency exchanged may be deposited into a predetermined account.

If the information indicating that the foreign currency receipt is completed is input to the sender terminal 400 after the foreign currency receiver receives the foreign currency, the sender terminal 400 can transmit the information indicating the receipt of the foreign currency to the server 100 or the delivery server have. In the case of currency exchange reservations, the person receiving the foreign currency can receive the foreign currency by paying the remaining balance, excluding the currency exchange reserves, from the currency exchange transaction amount. The communication unit 110 of the server 100 (or the communication unit of the delivery server) can transmit information indicating the completion of receipt of the foreign currency to the foreign currency recipient terminal and the delivery terminal 400. [ If the user terminal 200 is different from the foreign currency receiver terminal, information indicating the completion of foreign currency receipt may be transmitted to the user terminal 200 as well.

On the other hand, when the receipt right of the foreign currency receiver is identified according to the eigenvalue as described above, the card charged with the foreign currency that has been exchanged can be issued. A foreign currency recipient can receive the issued card at a designated place (for example, at the airport) in a currency exchange application or currency exchange reservation application. The user can use the card to withdraw cash at ATMs in the airport or in the country where the currency is being used, or to make payments directly at the card merchant. When a card is used to withdraw cash or make a payment, the balance of the card is reduced by the withdrawed cash or payout.

Additional currency exchange may be made if the amount of the card's charge becomes insufficient by using the foreign currency exchanged. That is, if the issued card is authenticated by inputting the unique number of the issued card, and the information corresponding to the additional exchange transaction amount for the specific currency is detected, the database management unit 130 updates the currency exchange transaction To generate or generate additional currency exchange information indicating that the currency of the currency exchange has been increased and to increase the balance of the card by the amount of additional currency exchange transactions.

If the card is used and there is a balance remaining, it may be reversed to the original currency. In this case, if the card is authenticated by inputting a unique number of the card or the like, and a request for reversing at least a part of the balance of the card is inputted through the terminal, the database management unit 130 updates the exchange rate To generate or generate reverse currency exchange information indicating that the currency exchange transaction has been completed and to reverse the foreign currency balance of the reverse exchange transaction on the card.

When the user performs currency exchange with a plurality of kinds of foreign currency, the card may be filled with a plurality of kinds of exchanged foreign currency. For example, a card from a person traveling to Europe can be charged in Euros, British Pounds, and Turkish Liras.

When a card charged with a plurality of types of calls is authenticated and a request for exchanging a predetermined amount of the first call among the card balance to a predetermined amount of the second call through the terminal is inputted, To generate or generate currency exchange transaction information indicating that the currency exchange transaction has been concluded according to the exchange rate of the first currency and to exchange a predetermined amount of the first currency on the card to a predetermined amount of the second currency. For example, a traveler who left Turkey after finishing their trip to the UK could transfer the balance of pounds remaining on the card to Lira.

In addition, when a card of a foreign currency receiver is issued, the foreign currency exchanged may be charged with the card issued once the card issued is authenticated. In this case, international remittance can be done easily. For example, if you want to transfer money from country A to country B, if the person's card issued in country B is authenticated, the foreign currency amount that has been exchanged may be charged to the person's card in country B. If you have a card for each business, you can use it for the purpose of collecting payments such as overseas shopping.

On the other hand, the above-mentioned card may include a virtual card such as a mobile app card as well as a physical card such as a magnetic card. When a virtual card is issued, the user can use the virtual card (in this case, the terminal in which the virtual card is stored) to withdraw cash at the ATM in the airport or the country where the currency is used, It is also possible to make a payment directly at a card merchant.

According to the present invention, when a user has a good exchange rate, foreign currency can be accumulated on a card in advance. You can also provide a deposit function if you are guaranteed a fixed rate for the reserve. In addition, in the case of a credit card user, the exchange rate is not only disadvantageous but also the risk of the exchange rate fluctuation is applied by the real-time exchange rate application. However, in the case of the present invention, . Also, if you are credited to a card that is affiliated with a bank, foreign exchange customers can deviate significantly from the anxiety that may arise from putting their money in advance and receiving money later.

On the other hand, if the currency exchange transaction information or the currency exchange reservation information is not exchanged within a predetermined period after the generation of the currency exchange reservation information or the information corresponding to the exchange reservation balance is not detected, the exchange transaction or the currency exchange reservation may be canceled. When the exchange reservation is canceled, the deposit can be paid to the service provider who manages the server 100 as a cancellation fee.

Hereinafter, the configuration and operation of the user terminal 200 according to various embodiments of the present invention will be described. However, the description of the contents overlapping with those described above will be omitted.

4 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 4, a user terminal 200 according to an exemplary embodiment of the present invention may include a user interface providing unit 210, a communication unit 220, and a processor 230.

When the specific currency is acquired by the server 100 on the basis of the exchange rate of the specific currency for the specific currency from the private exchange money exchange to the transaction bank, the user interface providing unit 210 receives the exchange rate information The exchange rate information within a predetermined range from the same day trading standard exchange rate may be provided and displayed as the exchange start exchange rate information. The user interface provider 210 may display the information on a specific application or web browser. The user terminal 200 may be a mobile terminal or a stationary terminal. If the user terminal 200 is a mobile terminal, the information may be provided through a dedicated application, In the case of a stationary terminal, the information may be provided through a web browser, but is not limited thereto.

The communication unit 220 is configured to transmit and receive various information to and from the server 100. [ In particular, when the user of the user terminal 200 inputs the exchange rate information set on the basis of the exchange rate conversion information, the communication unit 220 transmits the set exchange rate information to the server 100, (i) a user who has presented high exchange rate information within a predetermined range within a predetermined range of exchange rate information input by at least one user is determined as a counterpart of a currency exchange transaction or a currency exchange reservation, (ii) Or when the information corresponding to the amount of the currency exchange reservation is detected, exchange transaction information indicating that the currency exchange transaction or the currency exchange reservation has been concluded in accordance with the exchange rate input by the user determined as the counterparty of the exchange transaction or the currency exchange reservation, To generate information.

The processor 230 controls the flow of data between the user interface providing unit 210 and the communication unit 220. That is, the processor 230 controls the flow of data between the components of the user terminal 200 to control the user interface providing unit 210 and the communication unit 220 to perform their own functions.

The processor 230 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

The user terminal 200 described above can be implemented in various mobile devices. For example, a smart phone, a tablet PC, a smart watch, a smart glasses, a PMP, an MP3 player, a PDA, a cell phone, a laptop computer, or any other mobile terminal device.

Meanwhile, the embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

30-1, 30-2, ... , 30-n: Private exchange office
40: Airport
100: Server
200, 200-1, 200-2: user terminal
300, 300-1, 300-2, ... , 300-n: private exchange terminal
110:
120: Processor
130:
210: User interface provisioning
220:
230: Processor

Claims

A method for supporting performing currency exchange at a predetermined exchange rate,
(a) If a specific currency is acquired based on the exchange rate of the specific currency for the specific currency from the private exchange money exchange to the bank, the server may exchange the exchange rate information within the predetermined range from the exchange rate information of the same day, Providing as opening exchange rate information,
(b) If the exchange rate information set on the basis of the exchange-traded exchange rate information is input by at least one user, the server transmits the exchange rate information to the user As a counterpart of a currency exchange transaction or a currency exchange reservation, and
(c) if the information corresponding to the currency of the currency exchange transaction or the currency exchange reservation is detected, the server transmits the currency exchange transaction or the currency exchange reservation according to the exchange rate input by the user determined as the counterparty of the exchange transaction or the currency exchange reservation And generating or generating currency exchange transaction information or currency exchange reservation information indicating that the exchange has been completed.

The method according to claim 1,
(d) transmitting, by the server, the currency exchange transaction information or the currency exchange reservation information to the terminal of the foreign currency recipient to support currency exchange according to the exchange rate input by the user determined as the counterpart of the exchange transaction or exchange reservation &Lt; / RTI >

3. The method of claim 2,
In the step (d)
The server generates (i) a process of generating an eigenvalue for identifying the receipt right of the foreign currency recipient and transmitting the eigenvalue to the foreign currency recipient terminal, and (ii) transmitting the information about the specific place and the specific date and time To the foreign currency receipt authority terminal and supporting the foreign currency receipt authority to receive the foreign currency at the specific date and time at the specific date and time.

The method of claim 3,
In (ii) above,
The server transmits information on the specific place and the specific date and time to at least a part of the delivery server and the distributor terminal so that the dispatcher can dispatch the foreign currency to the specific place on the specific date and time and deliver the foreign currency to the foreign currency receipt holder . &Lt; / RTI >

The method of claim 3,
Wherein the specific location is an airport.

The method of claim 3,
The server transmits information on a result of the comparison between the acquired eigenvalue and the generated eigenvalue to the donor terminal and the foreign currency receipt authority terminal when the eigenvalue is acquired by the donor terminal How to.

The method of claim 3,
If the receipt right of the foreign currency recipient is identified according to the eigenvalue, the server can support the foreign currency recipient to receive the foreign currency in cash, support the foreign currency to be deposited in the predetermined account, To be issued.

8. The method of claim 7,
If the card is authenticated and information corresponding to an additional currency exchange transaction amount for a particular currency is detected, the server supports to generate or generate additional currency exchange transaction information indicating that the currency exchange transaction has been concluded in accordance with the predetermined exchange rate, To increase the remaining amount of the card.

8. The method of claim 7,
If the card is authenticated and a request for reverse exchange of at least a portion of the balance of the card is input, the server supports to generate or generate reverse currency exchange transaction information indicating that the reverse exchange transaction has been concluded at a predetermined exchange rate, And the foreign currency balance of the reverse exchange transaction is reversed.

8. The method of claim 7,
If the card is authenticated and a request to exchange a predetermined amount of the first call among the card balance to a predetermined amount of the second call is input when the card is charged with a plurality of kinds of exchanged foreign currencies, , Support to generate or generate currency exchange transaction information indicating that a currency exchange transaction has been concluded in accordance with a predetermined exchange rate, and to exchange a predetermined amount of the first currency on the card to a predetermined amount of the second currency .

The method according to claim 1,
And when the issued card of the foreign currency receiver is authenticated, the foreign currency exchanged is charged into the card.

The method according to claim 1,
Wherein the currency exchange transaction or the currency exchange reservation is canceled when the currency exchange is not performed or the information corresponding to the exchange reservation balance is not detected after the currency exchange transaction information or the currency exchange reservation information is generated.

The method according to claim 1,
(a0) The method further comprises the step of the server inquiring of the terminal of the private exchange center whether or not to sell a specific currency based on the same trading day exchange rate of the specific currency with respect to the bank.

The method according to claim 1,
In the step (b)
The detection of the information corresponding to the money exchange transaction or the amount of the money exchange reservation,
(ii) a virtual point corresponding to the amount of the currency exchange transaction or the currency exchange reservation is used; or (iii) the currency exchange transaction or the currency exchange reservation And the amount corresponding to the amount of money is paid.

The method according to claim 1,
Wherein, in the step (a), the acquisition of the specific currency is performed within a predetermined time after a specific point in time when the foreign exchange sale market ends.

A method for supporting performing currency exchange at a predetermined exchange rate,
(a) If a specific currency is acquired by the server based on the same currency exchange rate as that of the currency of the specific currency with respect to the bank from the private money exchange station, the user terminal acquires, from the server, And displaying the exchange rate information as the exchange rate information;
(b) when the exchange rate information set based on the exchange-traded-exchange rate information is input by the user of the user terminal, the user terminal transmits the exchange rate information to the server by (i) (Ii) when the information corresponding to the money of the exchange transaction or the money exchange reservation is detected, the user who has presented the exchange rate information in the highest rank within the predetermined range is determined to be the counterpart of the exchange transaction or the currency exchange reservation, The method comprising the steps of: generating currency exchange transaction information or exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation has been completed according to the exchange rate input by a user determined as a counterpart of the exchange transaction or the currency exchange reservation .

17. The method of claim 16,
(c) receiving, by the user terminal, the currency exchange transaction information or the currency exchange reservation information and supporting exchange of money according to the exchange rate inputted by the user determined as the counterpart of the exchange transaction or the currency exchange reservation Lt; / RTI >

18. The method of claim 17,
In the step (c)
Wherein the user terminal comprises: a process of receiving from the server (i) a unique value for identifying the receipt right of the foreign currency recipient; and (ii) receiving information about a specific place and a specific date and time to receive the foreign currency, Further comprising at least a part of the process of assisting the recipient to receive said foreign currency at said specific location on said specific date and time.

19. The method of claim 18,
Wherein the specific location is an airport.

19. The method of claim 18,
Wherein when the eigenvalue is obtained by the sender terminal, the user terminal receives from the server information on a result of comparing the obtained eigenvalue with the received eigenvalue.

17. The method of claim 16,
Wherein the currency exchange transaction or the currency exchange reservation is canceled when the currency exchange is not performed or the information corresponding to the exchange reservation balance is not detected after the currency exchange transaction information or the currency exchange reservation information is generated.

17. The method of claim 16,
In the step (b)
The detection of the information corresponding to the money exchange transaction or the amount of the money exchange reservation,
(ii) a virtual point corresponding to the amount of the currency exchange transaction or the currency exchange reservation is used; or (iii) the currency exchange transaction or the currency exchange reservation And the amount corresponding to the amount of money is paid.

17. The method of claim 16,
Wherein, in the step (a), the acquisition of the specific currency is performed within a predetermined time after a specific point in time when the foreign exchange sale market ends.

A server for supporting exchange of money at a predetermined exchange rate, comprising:
If a specific currency is acquired based on the daily exchange rate of the specific currency for the specific currency from the private exchange money exchange to the bank, the exchange rate information on the day of the sale or the exchange rate information within the predetermined range from the daily exchange rate as the exchange rate information Communication unit,
When the exchange rate information set on the basis of the exchange-traded-exchange rate information is input by at least one user, the user who presents the exchange rate information within the predetermined n rank within the predetermined range of the inputted exchange rate information is referred to as the exchange- A processor that determines the other party, and
When the information corresponding to the money exchange transaction or the money exchange reservation is detected, the money exchange transaction or the money exchange transaction indicating that the money exchange reservation is concluded according to the exchange rate input by the user determined as the counterpart of the exchange money reservation Or currency exchange reservation information to the server.

25. The method of claim 24,
Wherein,
Wherein the server inquires of the terminal of the private exchange center whether or not to sell the specific currency based on the exchange rate of the specific currency for the transaction bank on the same day.

25. The method of claim 24,
Wherein the acquisition of the specific currency is performed within a predetermined time after a specific point in time when the foreign exchange sale market ends.

A user terminal for supporting exchange of money at a predetermined exchange rate,
If a specific currency is acquired by the server based on the same currency exchange rate of the specific currency with respect to the transaction bank from the private money exchange office, the exchange rate information within the predetermined range from the same-day exchange standard currency exchange rate information or the same- A user interface providing unit for receiving and displaying as the start exchange rate information, and
When the exchange rate information set by the user of the user terminal is input based on the exchange-rate-of-exchange-rate information, the server makes the server execute: (i) (Ii) when information corresponding to the exchange transaction or the amount of the exchange reservation is detected, the user who has presented the exchange transaction or the currency exchange reservation is informed And a currency conversion transaction information or currency exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation has been concluded according to the exchange rate inputted by the user determined as the exchange rate.

28. The method of claim 27,
Wherein,
And receives the currency exchange transaction information or the currency exchange reservation information to support currency exchange according to the exchange rate input by a user determined as a counterpart of the exchange transaction or the currency exchange reservation.

29. The method of claim 28,
Wherein,
Receiving from the server (i) a process of receiving an eigenvalue for identifying the receipt right of the foreign currency recipient and (ii) receiving information about a specific place and a specific date and time to receive the foreign currency, Further comprising at least a portion of a process to assist in receiving said foreign currency at said particular location.

28. The method of claim 27,
Wherein the acquisition of the specific currency is performed within a predetermined time after a specific point of time when the field of foreign exchange sale ends.