KR20230096239A - Overseas easy payment system - Google Patents

Abstract

In the present invention, an overseas simple payment system that can conveniently pay overseas through its own account and code input is disclosed. When going abroad, it is inconvenient because you have to exchange a lot of cash in advance. Accordingly, the disclosed simple payment system includes the steps of receiving its own account information from the buyer, opening an account if it does not have its own account, transferring money from a domestic account to its own account, and exchanging won currency into a desired foreign currency within its own account. and the step of entering the code to make a payment. Accordingly, by making a payment through a transfer using its own account, it is possible to carry unnecessary cash to a minimum.

Description

Overseas easy payment system {Overseas easy payment system}

The present invention relates to a method for providing an overseas simple payment service, and relates to a method for providing a service for exchanging and paying money within an own account.

There are many customers who exchange cash in advance before going abroad and then carry it with them. Some customers also use cards, but there are many places where card terminals are not installed, and the burden of fees is high. Accordingly, in Korean Registered Patent No. 10-1808503 (published on December 13, 2017), which is a prior art, there is a technique of converting and transferring the corresponding amount from the buyer's account whenever a payment is made by opening a virtual account. However, there is a hassle that the exchange rate is different each time, and the money is withdrawn from the buyer's account every time you make a payment.

Korean Patent No. 10-1808503

An object of the present invention is to exchange foreign currency necessary for payment abroad in advance and make a payment by transferring it. Payment service can be provided by opening an own account linked to a domestic account and transferring money to the seller's account through code entry.

The present invention includes the steps of receiving self-account information from the purchaser, opening an account if there is no own account, transferring money from a domestic account to an own account, exchanging won currency into a desired foreign currency within the self-account, and codes. It includes the step of entering and paying.

The present invention has the effect of eliminating the hassle of carrying a lot of cash. Since an account is opened and linked with a domestic account, even if you do not have cash, you can carry a minimum amount of cash by entering the code and making a payment through transfer from your own account.

1 is a configuration diagram for explaining a method of providing an overseas simple payment service.

The overseas simple payment system includes a mobile device 100, a virtual account server 300, a payment service providing server 400, and a specific code 500. These components are connected through network 200 .

As an example, the mobile device 100 may receive information about its own account from the purchaser and connect to the virtual account server 300 through the network 200 to check whether the own account exists. If your own account does not exist, you can create an account by receiving the buyer's information. After that, you can transfer cash from the linked domestic account and exchange the desired won into foreign currency according to the exchange rate of the time. When proceeding with payment, if a specific code (500) given to the seller and the price of the purchased item are entered, it is transmitted to the payment service providing server (400) through the network (200), and the corresponding amount is transferred from its own account to the seller's account. Payment can be completed by transfer.

100: mobile device
200: network
300: virtual account server
400: Server providing payment service
500: specific code

Claims (6)

In the overseas simple payment service through the application of the purchaser terminal,
receiving self-account information from the purchaser;
setting the self-account based on the self-account information;
transferring money from another bank account to its own account;
exchanging won currency into a desired foreign currency in the own account; and
Method of providing overseas easy payment service including the step of entering a specific code to pay The method of claim 1,
Further comprising determining whether the purchaser is a pre-registered purchaser based on the self-account information,
Wherein the step of setting the own account is to create the buyer's own account if it is not the pre-registered buyer. The method of claim 1,
The method of providing overseas simple payment service, characterized in that the own account can transfer cash from other banks in conjunction with other bank accounts. The method of claim 1,
The exchange system provides an overseas simple payment service, characterized in that the desired amount of won in the own account is converted into foreign currency by reflecting the exchange rate at the time. The method of claim 1,
The payment system provides an overseas simple payment service, characterized in that the payment is made by transfer to the seller's own account included in the payment service providing server when a specific code assigned to the seller and the price of the purchased item are entered. The method of claim 5,
The method of providing overseas easy payment service, characterized in that the specific code is a code that is assigned when the seller first uses the service and identifies the seller.

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