WO2016028031A1

WO2016028031A1 - Overseas remittance service system and overseas remittance service method in same system

Info

Publication number: WO2016028031A1
Application number: PCT/KR2015/008489
Authority: WO
Inventors: 김찬영; 김복오
Original assignee: 김찬영; 김복오
Priority date: 2014-08-18
Filing date: 2015-08-13
Publication date: 2016-02-25

Abstract

The present invention relates to an overseas remittance service system and an overseas remittance service method in the system, which allows an overseas remittance service to be provided even without the opening of an account in a bank in a remittance target nation in order to receive the overseas remittance service, thereby enabling a user to use the remittance service without visiting a bank counter and to receive the remitted amount without the opening of an account by an overseas traveler or a local resident, and which can reduce a remittance charge being incurred at the time of remittance by using a collective calculation scheme according to a correspondent arrangement.

Description

Overseas Money Transfer Service System and Overseas Money Transfer Service Method in the System

The present invention relates to an overseas remittance service system and an overseas remittance method in the system, and more particularly, an international remittance service capable of reducing a remittance fee by allowing a remittance by a no-window remittance and a non-recipient account in an international remittance. The present invention relates to a system and an overseas remittance service method in the system.

In general, international remittance adopts the Swift professional method of entrusting the payment of a certain amount to a foreign beneficiary by receiving a foreign currency or a foreign transaction method as a remittance bank upon request of the remittance client. have.

That is, conventionally, when a sales office receives an application for remittance from a remittance client at a branch, the branch stores the information for overseas remittance to the main office through a fax or the like, and the head office receives it, and receives a Swift message for overseas remittance. Fill in the form and send it to the foreign bank. Foreign banks receive the full text and receive foreign currency according to the full text.

In the overseas remittance process according to this method, it is cumbersome to prepare a full text for overseas remittance at the head office, which not only puts a heavy load on the employees at the head office, The transfer fee is high because it takes considerable time in the transfer process.

In addition, in the case of a customer, there is a hassle to request a service for foreign currency remittance by visiting a sales office for overseas remittance.

On the other hand, in the current foreign remittance method, the remitter can send money to the payee's account only, and the payee can withdraw the money only when a payee account is opened in the bank of the remittance destination country to which the remitter intends to send money.

Therefore, if the foreign traveler and the current resident do not have an account in the financial institution of the country to which the remittance target country, it is very troublesome to withdraw the transfer amount by opening a bank account.

As described above, an object of the present invention is to provide an overseas remittance service system and an overseas remittance service method in the system for reducing a remittance fee generated when an international remittance occurs.

In addition, an object of the present invention is to provide an overseas remittance service system and an overseas remittance service method in the system for allowing a remitter to use a remittance service without directly visiting a sales office.

In addition, an object of the present invention is to provide an overseas remittance service system capable of providing an overseas remittance service without opening an account at a remittance target country bank to receive an overseas remittance service, and an overseas remittance service method in the system.

An overseas remittance service system according to an embodiment of the present invention for achieving the above object includes a remitter terminal capable of communicating with a remittance station financial server or a remittance target country financial server; A recipient terminal capable of communicating with a remittance target station financial server or a remittance station financial server; When remittance information is received from the remitter terminal or the ATM device, a one-time first international money-only virtual account linked to a remitter account is generated, the exchange rate is calculated according to the exchange rate calculation at the time of remittance, and the calculated currency exchange amount is calculated. After transferring to the virtual account dedicated to the first international money transfer, the first remittance related information is transmitted to the remittance destination financial server, and the remittance destination financial server relies on the first remittance related information received from the remittance country finance server. A second international remittance-only virtual account linked to the funds account is created, and the remittance is transferred from the second international remittance fund account to the second international remittance-only virtual account according to the first remittance related information. Thereafter, the remittance target station financial server transmits information for withdrawal of the second international remittance-only virtual account to the remittance station financial server, and the remittance station financial server transmits the remitter terminal and the recipient terminal; And receiving the first remittance-related information, generating a one-time second remittance-only virtual account in connection with an international money transfer service-only fund account according to the first remittance related information, and then generating the one-time payment to the remittance station financial server. And a remittance target country financial server for transmitting the second remittance related information including the second remittance-only virtual account information.

Here, the first remittance-related information is characterized in that the information including at least one or more of the remittance target person, remittance amount information and money exchangeable money information, withdrawal password.

In addition, the information for withdrawal is characterized in that the information including the one-time second remittance-only virtual account number of the remittance target country financial server for the recipient withdrawal and remittance-related details.

In addition, the remittance bureau financial server according to an embodiment of the present invention, in conjunction with the sender account immediately upon receipt of the withdrawal data from the remittance target country financial server, the amount of the remittance of the virtual account for the one-time first international remittance virtual account international remittance Transfer the funds to the account, and at the same time, the one-time first international transfer-only virtual account is characterized in that it is destroyed.

In addition, the remittance bureau financial server according to an embodiment of the present invention is managed by putting a negative to the remittance target country financial server Corres account on the basis of the withdrawal amount of the withdrawal, and after the settlement cycle arrives the Corress contract between the financial servers of each country based on the management information In the case of the consistent settlement according to the characterized in that the collective settlement according to the management matters.

In addition, the remittance target country financial server according to an embodiment of the present invention, when the information for withdrawal or transfer from the ATM device or the recipient terminal is received, the withdrawal amount after the withdrawal processing the remitted amount according to the received information It is characterized in that it manages the Corres account by raising it to the remittance bureau financial server Corres account in a plus, and immediately transferring the withdrawal data to the remittance bureau finance server.

Here, the withdrawal data is a data for informing the completion of withdrawal of the recipient, characterized in that it includes withdrawal-related details.

An overseas remittance service system according to an embodiment of the present invention for achieving the above object includes a remitter terminal capable of communicating with a remittance station financial server; A recipient terminal capable of communicating with a remittance station financial server; When the remittance information is received from the remitter terminal or the ATM device, the one-time first international money transfer virtual account linked to the sender account is generated, and the one-time first money international transfer-only virtual is designated for withdrawal to the money account of the international money transfer hub server. Transfer the amount of money to the account, and transmit the first remittance related information to the international money transfer hub server, the international remittance hub server transmits the first remittance related information to the remittance target country financial server. The remittance destination financial server creates a one-time second international remittance-only virtual account linked with the funds account of the international remittance hub server according to the first remittance related information received from the international remittance hub server, transfers the remittance amount, and withdraws the recipient. Information is sent to the international remittance hub server, and the international remittance hub server immediately delivers to the remittance bureau financial server. The remittance station financial sub-transmission station financial server for transmitting the withdrawal information of the second international transfer-only virtual account received to the remitter terminal, the recipient terminal; When the withdrawal or transfer of the second international remittance-only virtual account by the recipient of the remittance target country is completed, the second international remittance-only virtual account of the remittance country's financial server is destroyed, and the remittance transfers the withdrawal information to the international remittance hub server immediately. Target country financial server; When the international remittance hub server receives the remittance related information, the transaction history is recorded and stored for international remittance hub server Corres account management, and the international remittance hub server for transmitting the second international remittance-only virtual account withdrawal information to the remittance bureau financial server. ; When the remitter bureau receives the withdrawal result, the remitter's international remittance amount of the first international remittance dedicated virtual account linked to the remitter account is transferred to the foreign exchange funds account of the international remittance hub server. Is destroyed. A remittance station financial server that transmits the international remittance completion information to the remitter terminal, and the remitter international remittance amount of the first international remittance virtual account transmits the foreign currency funds account transfer information of the international remittance hub server to the international remittance hub server; And an international remittance hub server for recording and storing transaction details received from the remittance bureau financial server for management of the Corres account.

In addition, when the information for the withdrawal or transfer is received from the ATM device or the receiver terminal, the bank server according to an embodiment of the present invention, withdrawal data after processing the withdrawal amount according to the received information. Characterized in that the transmission to the international money transfer hub server.

In addition, the international remittance hub server according to an embodiment of the present invention, upon receiving the withdrawal data from the remittance target country financial server, immediately transmits the withdrawn data to the remittance station financial server, and records and stores the transaction details It is characterized by.

In addition, the remittance station financial server according to an embodiment of the present invention, the remitter terminal or the information containing the one-time second international remittance-only virtual account number of the remittance target country financial server for the recipient withdrawal and the details related to the remittance Characterized in that the information is sent to the recipient terminal for withdrawal.

In addition, the remittance bureau financial server according to an embodiment of the present invention, characterized in that for transmitting the information further includes a password set by the sender in the information for withdrawal.

In addition, the remittance bureau financial server according to an embodiment of the present invention, when receiving the withdrawal data informing the completion of the withdrawal of the recipient from the international remittance hub server, the one-time first international remittance-only virtual generated in conjunction with the remitter account immediately The transfer amount of the account is transferred to the international remittance hub server foreign exchange funds account, and at the same time characterized in that the one-time first international transfer-only virtual account is destroyed.

In addition, the remittance station financial server according to an embodiment of the present invention, characterized in that for transmitting the withdrawal information of the recipient to the remitter terminal.

In addition, the remitter's international remittance amount of the first international remittance-only virtual account transfers the foreign currency funds account transfer information of the international remittance hub server to the international remittance hub server, and the transaction details received from the remittance bureau finance server for the management of the Corres account. It features an international money transfer hub server for recording and storing.

The overseas remittance service method according to an embodiment of the present invention for achieving the above object comprises the steps of receiving a remittance information from the ATM device or the sender terminal; Generating, by the remittance station financial server, a one-time first international remittance-only virtual account linked to a remitter account and transmitting the first remittance related information to the remittance target country financial server; A second remittance including the one-time remittance-only virtual account number generated by the remittance target country financial server in association with the international remittance service-only account according to the first remittance related information, and then generating the one-time remittance-only virtual account number; Transmitting the related information to the remittance bureau financial server; And transmitting the information for the withdrawal to the sender terminal and the receiver terminal by generating information for withdrawal based on the second remittance related information by the remittance station financial server or the remittance target country financial server. It is done.

In addition, the overseas remittance service method according to the present invention comprises the steps of receiving the information for withdrawal or transfer from the ATM device or the recipient terminal by the remittance target country financial server; Withdrawing the amount of money remitted according to the received information by the remittance target country financial server; Managing the bank account by transferring the withdrawal data including the withdrawal-related detail information to the remitting station bank server, based on the amount of money remitted by the remittance target country financial server; Upon receipt of the withdrawal data, the remittance bureau financial server transfers the amount of the one-time first international money-only virtual account generated in association with the remitter account to the international money-funding account, and at the same time, the one-time first money-only virtual account. Is an extinction process; The remittance bureau financial server is characterized in that it further comprises the process of managing the negatives on the Corres account based on the remittance amount.

Receiving remittance information from the ATM device or the sender terminal by the remittance station financial server according to an embodiment of the present invention for achieving the above object; The remitter bureau finance server generates a one-time first international money-only virtual account linked to a remitter account, transfers the amount of money from the sender account to the one-time first international money-only virtual account based on the remittance information, and then transfers the first money. Transmitting the relevant information to the international money transfer hub server; When the international remittance hub server receives the first remittance related information, transmitting the first remittance related information to a remittance target country financial server and storing transaction details; When the remittance target country financial server receives the first remittance related information, it generates a one-time second international remittance-only virtual account linked to the foreign exchange funds account of the international remittance hub server, and in the foreign exchange funds account of the international remittance hub server. Transferring the transfer amount to a one-time second international money-only virtual account and transmitting the transfer result to the international money transfer hub server; When the international money transfer hub server receives the transfer result, transmitting the transfer result to the remittance bureau financial server and storing transaction details at the same time; Receiving the transfer result, the remittance station financial server or the remittance target country financial server characterized in that it comprises the step of transmitting the information for withdrawal to the remitter terminal and the recipient terminal.

In addition, the international remittance hub server is characterized in that it is added to the Corres account for the remittance station financial server or the remittance target country financial server on the basis of the transaction history plus or minus.

In addition, the overseas remittance service method includes the step of receiving the information for withdrawal or transfer from the ATM device or the recipient terminal by the remittance target station financial server; The withdrawal processing of the remitted amount according to the received information by the remittance target country financial server, extinguishing the one-time second international remittance-only virtual account and transmitting withdrawal data to the international remittance hub server; The international money transfer hub transmitting the withdrawal data to the remittance bureau financial server and storing transaction details; Wherein the remittance bureau financial server transfers the one-time first international remittance-only virtual account amount created in association with the remitter account to the foreign exchange funds account of the international remittance hub server, and destroys the one-time first remittance-only virtual account. ; The remittance station financial server is characterized in that it comprises the step of transmitting the recipient withdrawal information to the sender terminal.

Here, the remittance information, characterized in that it comprises at least one or more of the remittance station, remittance bank, remitter, phone number, remitter profile, currency selection, remittance amount.

The first remittance related information may include at least one or more of a remittance target person, remittance amount information, and withdrawable exchange amount information.

In addition, the information for withdrawal, characterized in that it comprises at least one information of the one-time second remittance-only virtual account number, remittance-related details, password of the financial server for the recipient country withdrawal.

As in the present invention, it is possible to provide an overseas remittance service without opening an account at a bank of a remittance destination country in order to receive an overseas remittance service, so that it is possible to receive a remittance without opening an account of an overseas traveler and a local resident, as well as a local ATM device and a counter. There is an advantage that can also have the convenience of withdrawal by withdrawal.

In addition, the present invention has the advantage that the remitter can use the international remittance service more conveniently by allowing the remitter to use the ATM, Internet banking, SMART Banking international remittance service without visiting the window of the direct sales office for overseas remittance.

In addition, the remitter can use the remittance service for overseas remittance without visiting the counter of the branch directly, and can settle the settlement according to the agreement of the banks under the agreement between the banks of each country or the agreement of the agreement of the remittance of the international remittance hub company. By using this, there is an advantage of lowering the remittance fee incurred in the remittance.

Moreover, the international remittance method according to the operation of the international remittance hub server system is different from the existing international remittance method by the remittance and withdrawal system of both the remittance country and the remittance country's financial server. This remittance system has the advantages of reducing international remittance fees and the convenience of withdrawing international remittances.

1 is a block diagram showing the configuration of a foreign money transfer service system according to a first embodiment of the present invention.

2 is a block diagram showing the configuration of an overseas money transfer service system according to a second embodiment of the present invention.

3 is a flowchart illustrating a remittance process for an overseas remittance service in an overseas remittance service system according to a first embodiment of the present invention.

4 is a flowchart illustrating a withdrawal process for an overseas remittance service in the overseas remittance service system according to the first embodiment of the present invention.

5 is a flowchart illustrating a remittance process for an overseas remittance service in an overseas remittance service system according to a second embodiment of the present invention.

6 is a flowchart illustrating a withdrawal process for an overseas remittance service in an overseas remittance service system according to a second embodiment of the present invention.

7 is a flowchart illustrating an example for providing information for withdrawal using an SNS account during a remittance process for an overseas remittance service according to a second embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in describing in detail the operating principle of the preferred embodiment of the present invention, if it is determined that the detailed description of the related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. This is to more clearly communicate without obscure the core of the present invention by omitting unnecessary description. In addition, the present invention may be modified in various ways and may have various embodiments, but specific embodiments are illustrated in the drawings and described in detail in the detailed description, which is not intended to limit the present invention to specific embodiments. It is to be understood that all changes, equivalents, and substitutes included in the spirit and technical scope of the present invention are included.

In addition, when a component is referred to as being "connected" or "connected" to another component, it means that it may be connected or connected logically or physically. In other words, although a component may be directly connected or connected to other components, it should be understood that other components may exist in the middle, and may be connected or connected indirectly.

Also, the terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In addition, the terms "comprises" or "having" described herein are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or the same. It is to be understood that the present invention does not exclude in advance the possibility of the presence or the addition of other features, numbers, steps, operations, components, parts, or a combination thereof.

Now, the foreign remittance service system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this case, the same reference numerals are used for parts having similar functions and functions throughout the drawings, and redundant description thereof will be omitted.

In general, when remitting abroad, banks are using the Corres contract to handle the transfer. Such a contract means that a foreign exchange bank concludes a contract with foreign banks around the world, and when such a contract is signed, payments, notifications for opening a letter of credit, and financial support are provided by Corres bank. Can be freely

Hereinafter, the present invention intends to propose a method for reducing the remittance fee generated by providing a remittance service using a non-payee method, a no-chang international remittance method when remitting abroad.

To this end, the present invention will be divided into two embodiments according to the subject performing a consistent settlement according to Corres account (Corres account).

First, the first embodiment is an embodiment that collectively settles according to the Corres account according to the Corres contract between the remitting country financial institution and the destination country financial institution, the second embodiment is to the international remittance company Corres account that manages international money transfer services Accordingly, it is an embodiment of the bulk settlement of international remittance hub company itself.

Then, it will now be described with respect to the foreign money transfer service system according to an embodiment of the present invention with reference to FIGS.

Referring to FIG. 1, the overseas remittance service system includes a remitter terminal 100, an ATM device 111, a remittance station financial server 110, a remittance target station financial server 130, an ATM device 131, and a receiver terminal ( 140 and the communication network 10.

The remitter terminal 100 is a terminal of a remitter for using an overseas remittance service. The remitter terminal 100 is a terminal that has previously downloaded and installed an application that can receive an overseas remittance service of Internet banking or smart banking.

In addition, the remitter terminal 100 executes an overseas remittance service application according to the remitter's selection and transmits remittance information input from the remitter to the remittance station financial server 110 through the communication network 10.

Here, the remittance information is information including at least one or more of the remittance station, remittance bank, remittee, remitter phone number, remitter profile, currency selection, remittance amount. In this case, the remitter may select and input a remittance bank when the remittance information is input and when two or more banks of the remittance pole serve.

In addition, the remitter terminal 100 receives information for withdrawal from the remittance station financial server 110, and also receives the recipient withdrawal information reported when the withdrawal of the recipient.

The remitter terminal 100 is a terminal for performing voice or data communication using the communication network 10, and communicates with the remittance station financial server 110 and the remittance target station financial server 130 via the communication network 10. It refers to a terminal having a browser, a memory for storing programs and protocols, and a microprocessor for executing and controlling various programs. In other words, the remitter terminal 100 is capable of server-client communication with the remittance station financial server 110, a broad concept that includes all the communication computing devices such as notebook computers, mobile communication terminals, PDA.

The automated teller machine (ATM) device 111 is a cash dispenser associated with the remittance station financial server 110 and transmits remittance information input from the remitter to the remittance station financial server 110. To this end, the remitter inserts the remitter's domestic account card through the ATM device 111 and selects an international money transfer service, and then inputs remittance information.

The remittance station financial server 110 is located in the country to which the remitter belongs (the remittance station), and is a server of a bank selected by the remitter for remittance, and includes an ATM device 111, a remitter terminal 100, and a receiver terminal 140. The server can communicate.

In particular, the remittance bureau financial server 110 according to the present invention generates a one-time first international transfer-only virtual account linked to the remitter account when the remittance information is received, and calculates the exchange amount according to the transfer rate exchange rate calculation The amount of the exchange shall be transferred to the virtual account for one-time first international money transfer. Thereafter, the remittance station financial server 110 transmits the first remittance related information to the remittance target station financial server 130. In this case, the first remittance related information is information including at least one or more of a remittance target person, remittance amount information, and withdrawable exchange amount information. In addition, the first international transfer-only virtual account is an account created for the international remittance service in the remittance station financial server 110, withdrawal is necessarily designated as the international remittance fund account of the remittance station financial server 110, after the remittance After the withdrawal of the second international remittance-only virtual account is completed, when the withdrawal completion information is received from the remittance destination financial server 130 to the remittance station financial server 110, the first international remittance dedicated virtual account is received. The remittance amount is automatically transferred to the international remittance fund account of the remittance station financial server 110, the first international remittance dedicated virtual account is a one-time account that is immediately destroyed.

Also, when the remittance station financial server 110 receives the second remittance related information from the remittance target country financial server 130, the remitter terminal 100 generates information for withdrawal based on the received remittance related information and receives the remitter terminal 100 and the receiver. Transmit to the child terminal 140.

In this case, the information for withdrawal is information including a one-time second remittance-only virtual account number of the remittance target country financial server 130 for withdrawal of the recipient and remittance related details. At this time, if a password is set in advance for withdrawal, the password will also be sent. The password may be set at the time of the remitter inputting the remittance information. In addition, when a separate password is not set, the sender may directly inform the recipient of the password for withdrawing the remittance. In another embodiment, the password may be used by the real-time sender to the mobile phone at the time of withdrawal or transfer.

In addition, the remittance station financial server 110 transfers the amount of the one-time first international money-only virtual account to the international remittance fund account in conjunction with the remitter account upon receipt of withdrawal data from the remittance destination financial server 130. At the same time, the one-time first virtual transfer-only virtual account is destroyed. In addition, the remittance bureau financial server 110 is negatively managed to the bank account of the remittance target country financial server on the basis of the withdrawal amount of the withdrawal, and when the settlement cycle arrives at the time of the consistent settlement according to the Corress contract between the financial servers of each country based on the management information Settlement will be done according to management matters.

The remittance target country financial server 130 is a bank located in a country to which the recipient belongs (the remittance target country) and to which the remittance amount is transferred. In particular, the remittance target country financial server 130 according to the present invention generates a one-time second remittance-only virtual account in conjunction with the international money transfer dedicated funds account according to the received first remittance-related information. In this case, the second international money-only virtual account is a one-time account that is extinguished when the withdrawal is completed as an account created for the international money transfer service in the remittance target country financial server 130.

Thereafter, the remittance target station financial server 130 transmits the second remittance related information, that is, the generated one-time remittance-only virtual account information, to the remittance station financial server 110. In this case, in case of local remittance, the remitter remittance bank may transmit the details to the remitter phone, and the remittance target country bank may transmit the details for withdrawal to the recipient phone.

In addition, when information for withdrawal or transfer is received from the ATM device 131 or the receiver terminal 140, the remittance target station financial server 130 withdraws the remitted money according to the received information. In addition, when the remittance amount is withdrawn or the transfer process is completed, the remittance target country financial server 130 is raised to the remittance station financial server Corres account plus, and withdraws the data immediately to the remittance station financial server 110 By managing Corres account. In this case, the withdrawal data is withdrawal completion data of the recipient and includes the withdrawal-related details.

The ATM device 131 is a cash automatic teller machine associated with the remittance target station financial server 130, and transmits information for withdrawal input from the recipient to the remittance target station financial server 130.

Recipient terminal 140 is the terminal of the recipient, the terminal previously downloaded and installed the application that can be provided for the international banking or smart banking overseas remittance service. In addition, the receiver terminal 140 receives the information for withdrawal so that the recipient can check it. That is, the recipient may receive and confirm the one-time second remittance-only virtual account number and the remittance related information, which are information for withdrawal, from the remittance station financial server 110 through the receiver terminal 140 which is his terminal. In addition, the receiver terminal 140 transmits the input information to the remittance target station financial server 130 through the communication network 10 according to the information input for withdrawal or transfer from the recipient.

The recipient terminal 140 is a terminal for performing voice or data communication using the communication network 10, and communicates with the remittance station financial server 110 and the remittance target station financial server 130 via the communication network 10. It refers to a terminal having a browser, a memory for storing programs and protocols, and a microprocessor for executing and controlling various programs. That is, the receiver terminal 140 is capable of server-client communication with the remittance station financial server 110 and the remittance target station financial server 130, and includes all the communication computing devices such as notebook computers, mobile communication terminals, and PDAs. It's a broad concept.

The remitter terminal 100, the ATM device 111, the remittance station financial server 110, the remittance target station financial server 130, the ATM device 131, and the receiver terminal 140 are connected through the communication network 10. The communication network 10 refers to a network capable of transmitting and receiving data using an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. Such a communication network 10 is not only an open network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, but also code division multiple access (CDMA) and wideband code division (WCDMA). It is a concept that collectively refers to networks such as Multiple Access (GSM), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC), as well as next-generation networks and computing networks to be implemented.

Remitter terminal 100, ATM device 111, remittance station financial server 110, international remittance hub server 120, remittance destination country financial server 130, ATM device 131, recipient terminal 140 and It is configured to include a communication network (10).

In the second embodiment, the remitter terminal 100, the ATM device 111, the receiver terminal 140, and the ATM device 131 have the same configuration as the first embodiment, and thus detailed description thereof will be omitted.

The remittance station financial server 110 is located in the country to which the remitter belongs (the remittance station), and is a server of a bank selected by the remitter for remittance, and the ATM device 111, the remitter terminal 100, and the remittance target station financial server 130. Server that can communicate with.

In particular, when the remittance station financial server 110 according to the present invention receives the remittance information, the remittance station financial server 110 generates a one-time first international transfer-only virtual account linked to the remitter account, as requested by the remitter Transfer the amount of money from the sender's account to the first one-time virtual transfer-only virtual account. At this time, the withdrawal is designated as a fund account of the international money transfer hub server 120. In addition, the remittance bureau financial server 110 transmits the remittance-related information to the international remittance hub server 120 immediately after the transfer. Thereafter, the remittance station financial server 110 transmits the first remittance related information to the remittance target station financial server 130. In this case, the first remittance related information is information including at least one or more of a remittance target person, remittance amount information, and withdrawable exchange amount information. In addition, when the remittance target country financial server 130 receives a transfer amount transfer result from the international remittance hub server 120 to the one-time first international remittance-only virtual account, the second remittance linked with the foreign money transfer account Create a virtual account dedicated to international money transfer and transfer the amount of money from the international money transfer server 120 to the second international money-only virtual account. And the remittance target country financial server 130 transmits the transfer result to the international remittance hub server 120.

The international remittance hub server 120 transmits the transfer information received from the remittance target station financial server 130 to the remittance station financial server 110.

In addition, the remittance station financial server 110 transmits the information for withdrawal to the remitter terminal 100 and the recipient terminal 140. In this case, the information for withdrawal is information including a one-time second international money-only virtual account number of the remittance target country financial server 130 for withdrawal of the recipient and remittance related details. At this time, if a password is set in advance for withdrawal, the password will also be sent. The password may be set at the time of the remitter inputting the remittance information. In addition, when a separate password is not set, the sender may directly inform the recipient of the password for withdrawing the remittance. In another embodiment, the password may be used by the real-time sender to the mobile phone at the time of withdrawal or transfer.

In addition, when the remittance bureau financial server 110 receives the withdrawal data indicating completion of withdrawal of the recipient from the international remittance hub server 120, the remittance amount of the one-time first international remittance-only virtual account created in conjunction with the remitter account immediately The international money transfer hub server 120 transfers the foreign currency funds account and at the same time destroys the one-time first international money-only virtual account. At the same time, the remittance station financial server 110 transmits the withdrawal information of the recipient to the remitter terminal 100 to check the status of the withdrawal of the remitter of the recipient.

The international remittance hub server 120 is a server for storing and managing transaction details, and all the remittance related matters between financial institutions of each country are provided through the international remittance hub server 120.

In particular, the international remittance hub server 120 according to the present invention transmits the remittance related information received from the remittance station financial server 110 to the remittance target country financial server 130, the transaction details are the international remittance hub server 120 Record and save for account management. In addition, when the international transfer hub server 120 receives the transfer result from the remittance target country's financial server 130, the transfer result is immediately transmitted to the remittance station's financial server 110, the transaction details are international transfer hub server 120 Corres account Record and store for management.

In addition, when the international money transfer hub server 120 receives the withdrawal data from the remittance target country's financial server 130, the international remittance hub server 120 immediately transmits the received withdrawal data to the remittance country's financial server 110, and records and stores transaction details.

The remittance target country financial server 130 is located in the country to which the recipient belongs (the remittance target country), and the bank in which the second international remittance-only virtual account linked to the foreign exchange funds account of the international remittance hub server 120 is created to withdraw the remittance amount. to be. In particular, the remittance target country financial server 130 according to the present invention generates a one-time second international remittance dedicated virtual account linked to the foreign exchange funds account of the international remittance hub server, and in the foreign exchange funds account of the international remittance hub server 120 Transfer the amount to a one-time, second, international dedicated virtual account. In addition, the remittance target country financial server 130 transmits the transfer result to the international remittance hub server 120.

In addition, when information for withdrawal or transfer is received from the ATM device 131 or the receiver terminal 140, the remittance target station financial server 130 withdraws the remitted money according to the received information. In addition, when the remittance amount is withdrawn or the transfer process is completed, the remittance target country financial server 130 transmits the withdrawal data to the international remittance hub server 120.

The ATM device 111 transmits the remittance information input after the selection of the international remittance service from the remitter remitter to the remittance station financial server 110. (S300 to S302) Here, the remittance information means the remittance station, remittance bank, and remittance. Information including at least one of the target person, the sender's phone number, the sender's profile, the currency selection, and the transfer amount. At this time, when entering the remittance information, when the service with two or more banks of the remittance pole, select and enter the remittance bank. For this purpose, the remitter remitter puts the remitter's domestic account card through the ATM device 111, selects the international remittance service, and inputs remittance information.

In step S300, the remitter remitter may input the remittance information using the Internet banking or smart banking international remittance service through their remitter terminal 100, without using the ATM device 111.

The remittance bureau financial server 110 generates a one-time first international money-only virtual account linked to the remitter account, calculates the money-changing amount according to the exchange rate calculation at the time of remittance, and converts the calculated money amount to the one-time first international money-only virtual money. Transfer to the account. (S304)

Thereafter, the remittance station financial server 110 transmits the first remittance related information to the remittance target country financial server 130. (S304) At this time, the first remittance related information is among the remittance target person, remittance amount information and withdrawable money exchange information. Information containing at least one or more.

The remittance target country financial server 130 generates a one-time second international remittance-only virtual account in connection with the international remittance service-only funds account according to the received first remittance related information.

Subsequently, the remittance target country financial server 130 transmits the second remittance related information, that is, the generated one-time second international remittance-only virtual account information, to the remittance station financial server 110 (S310). Remitter The remitter bank can transmit the details to the remitter's phone, and the bank of the remittee country can transmit the details for withdrawal to the recipient's phone.

The remittance station financial server 110 transmits the information for withdrawal to the remitter terminal 100 and the receiver terminal 140 based on the remittance-related information received from the remittance target station financial server 130. (S311, S312 In the embodiment of FIG. 3, the remittance station financial server 110 transmits information for withdrawal to the remitter terminal 100 and the receiver terminal 140, but the remittance target station financial server 130 transmits the second information. The information for withdrawal may be generated based on the remittance related information, and may be transmitted to the sender terminal 100 and the receiver terminal 140.

Here, the information for withdrawal is information including the one-time second international remittance-only virtual account number of the remittance target country's financial server 130 for withdrawal of the recipient and remittance related details. At this time, if a password is set in advance for withdrawal, the password will also be sent. The password may be set at the time of the remitter inputting the remittance information. In addition, when a separate password is not set, the sender may directly inform the recipient of the password for withdrawing the remittance. In another embodiment, the password may be used by the real-time sender to the mobile phone at the time of withdrawal or transfer.

Then, the recipient will be able to receive and confirm the one-time second international transfer-only virtual account number and the remittance-related details, which are information for withdrawal, from the remittance bureau financial server 110 through the receiver terminal 140, which is his terminal.

In addition, the remitter may receive and confirm the one-time second international remittance-only virtual account number and setting password and the remittance related details generated by the remittance station financial server 110 from the remittance target country financial server 130.

If the ATM device 131 selects the international money transfer service from the recipient and the information for withdrawal or transfer is input, the ATM device 131 transmits the input information to the remittance target country's financial server 130 (S400). 2 Information including virtual account number and password for international remittance only. In addition, the information for the transfer is information for allowing the recipient to transfer to another account in the remittance target country financial server 130, and may include information to be transferred along with the one-time second international money-only virtual account number and password. There will be. That is, the recipient selects the international money transfer service through the ATM device 131 of the remittance target country's financial server 130 and inputs a password notified separately or separately with the one-time second international money transfer account received to his mobile phone. After you can withdraw money.

Then, the remittance target country financial server 130 withdraws the money remitted according to the received information (S402).

When the remittance amount is withdrawn or transferred in this way, the withdrawal remittance amount manages the Corres account as a plus to the Corres account. (S404) In addition, the withdrawal data is immediately transmitted to the remittance station financial server 110.

In this case, the withdrawal data is withdrawal completion data of the recipient and includes the withdrawal-related details.

Upon receipt of withdrawal data from the target country's financial server 130, the remittance bureau financial server 110 transfers the amount of the one-time international transfer-only virtual account created in association with the remitter account to the international remittance fund account, The one-time first virtual transfer-only virtual account is destroyed (S408).

In addition, the remittance bureau financial server 110 manages to put a negative in the Corres account on the basis of the withdrawal transfer amount (S410).

Thereafter, the remittance station financial server 110 transmits the withdrawal information of the recipient to the remitter terminal 100. (S412)

This will end the international remittance transaction.

In this way, the remittance bureau financial server 110 receiving the withdrawal data manages the negative account as much as the withdrawal amount of the withdrawal. After that, the settlement is done collectively according to the management matters when the settlement is made according to the agreement between the financial servers of each country.

The ATM device 111 transmits the remittance information input after the selection of the international remittance service from the remitter remitter to the remittance station financial server 110. (S500 to S502) Here, the remittance information means the remittance station, remittance bank, and remittance. Information including at least one of the target person, the sender's phone number, the sender's profile, the currency selection, and the transfer amount. At this time, when entering the remittance information, when the service with two or more banks of the remittance pole, select and enter the remittance bank. For this purpose, the remitter remitter puts the remitter's domestic account card through the ATM device 111, selects the international remittance service, and inputs remittance information.

In step S500, the remitter remitter may enter the remittance information using the Internet banking or smart banking international remittance service through the sender terminal 100, without using the ATM device 111.

The remitter bureau financial server 110 generates a one-time first international money-only virtual account linked to the remitter account, and transfers the amount of money from the remitter account to the one-time first money-only virtual account as requested by the remitter. In this case, the withdrawal is designated as a fund account of the international money transfer hub server 120.

In addition, the remittance station financial server 110 transmits the first remittance related information to the international remittance hub server 120 immediately after the transfer of money transfer (S506).

Thereafter, the international remittance hub server 120 transmits the received first remittance related information to the remittance target country's financial server 130 (S508). In this case, the first remittance related information refers to the remittee, remittance information and withdrawable money exchange amount. Information including at least one of the information.

The international remittance hub server 120 transmits, records, and stores the first remittance related information received from the remittance station financial server 110 to the remittance target station financial server 130 (S509).

The remittance target country financial server 130 generates a one-time second international remittance-only virtual account linked to the international remittance hub server 120 according to the received first remittance related information, and the one-time second remittance in the international remittance hub server foreign exchange funds account. Transfer the amount of money to the international money transfer virtual account (S510).

Thereafter, the remittance target country financial server 130 immediately transfers the transfer result to the international remittance hub server 120 (S512).

The international remittance hub server 120 immediately transfers the transfer result received from the remittance target station financial server 130 to the remittance station financial server 110, and records and stores transaction details. (S514 to S515).

In addition, the remittance station financial server 110 transmits the information for withdrawal to the remitter terminal 100 and the receiver terminal 140. (S518 ~ S519) In the embodiment of Figure 5 the remittance station in steps S518 and S519 Although the financial server 110 transmits the information for withdrawal to the remitter terminal 100 and the receiver terminal 140, the remittance target country financial server 130 receiving the transfer result receives the second remittance related information. After generating the information for the withdrawal based on the transmission to the recipient terminal 140 and transmits the information for withdrawal to the remittance station financial server 110, in this case the remittance station financial server 110 to the sender terminal 100 Information for withdrawal may also be transmitted.

On the other hand, if the recipient is a local person in step S518 and S519 the remitter financial server 110 transmits the information for withdrawal to the sender terminal 100, the remittance target country financial server 130 is the recipient terminal Each of the information for withdrawal may be transmitted to 140.

In the above S509 and S515 process, the international remittance hub server 120 of the fluctuation amount of change in the foreign exchange funds account of the remittance bureau financial server 110 or the foreign exchange funds account of the remittance target country financial server 130 based on the stored transaction details. Manage the Corres account of the international money transfer hub server (120).

In step S500 of FIG. 5, when the remitter inputs remittance information using the remitter terminal 100, the remitter enters the SNS account of the remittee, and the recipient reverts his or her SNS account to the virtual account number and remittance details for withdrawal. You might be able to check it out.

As described above, the recipient can check the information for withdrawal through the SNS account, that is, the virtual account number for the withdrawal and the remittance details, with reference to FIG. 7.

7 is a flowchart illustrating an example for providing information for withdrawal using an SNS account during a remittance process for an overseas remittance service according to a second embodiment of the present invention. In FIG. 7, since the operations S502 through S510, S512, S514, S515, S518 and S519 are the same operations as the operations S502 through S510, S512, S514, S515, S518 and S519 in FIG. 5, a detailed description thereof will be omitted.

Referring to FIG. 7, when the remittance information is input in step S500, the SNS account of the remittee, that is, the recipient may be additionally input.

At this time, the information on the SNS account of the recipient is transmitted to the remittance target station financial server 130 at the time of transmitting the first remittance-related information in step S506 and S508.

In addition, in step S510, when the remittance target country financial server 130 generates the one-time second international money-only virtual account, the generated virtual account number is transmitted to the SNS account through the SNS server 150 of the remittee. At this time, the one-time second international money-only virtual account is an account linked to the money account of the international money transfer hub server 120.

In addition, the remittance target station financial server 130 transmits the generated details to the international remittance hub server 120 after generating a one-time virtual account. (S511) In this case, the international remittance hub server 120 and the SNS server 150 are connected to each other. The communication between them is possible.

Thereafter, when the international money transfer hub server 120 receives the remittance details of the one-time second international money-only virtual account in step S512, the remittance details are transmitted to the SNS server 150 together with the SNS account input by the remitter. (S513)

Then, the SNS server 150 transmits the information for international money withdrawal to the SNS account of the remittee. (S516) The information for withdrawal, that is, the information of the withdrawal account, is a withdrawal terminal such as a barcode form and a QR code. Various methods of recognizing the account number may be applied.

If the ATM device 131 selects the international money transfer service from the recipient and the information for withdrawal or transfer is input, the ATM device 131 transmits the input information to the remittance target country's financial server 130 (S600).

Here, the information for withdrawal is information including a one-time second international money-only virtual account number and password.

In addition, the information for the transfer is information for allowing the recipient to transfer to another account in the second international transfer-only virtual account of the remittance target country's financial server 130, the one-time second international transfer-only virtual account number and password and It may contain information to transfer together.

That is, the recipient selects the international money transfer service through the ATM device 131 of the remittance target country's financial server 130 and inputs a password notified separately or separately with the one-time second international money transfer account received to his mobile phone. After you can withdraw money.

In this case, when the remittee is withdrawing from the ATM of the bank of the country to which the remittance is being made, it is possible to withdraw various methods that can be used in the same way as money, not just cash withdrawal, such as prepaid cards, gift certificates, and smart phone charging of smart phones instead of cash. will be.

Then, the remittance target country financial server 130 withdraws the money remitted according to the received information, destroys the one-time second international remittance-only virtual account and transmits the withdrawal data to the international remittance hub server 120 (S602). ~ S604)

The international money transfer hub server 120 immediately transmits the withdrawal data received from the remittance target country financial server 130 to the remittance country financial server 110, and records and stores transaction details. (S606 to S607).

Subsequently, upon receipt of withdrawal data indicating the completion of withdrawal of the recipient, the remittance bureau financial server 110 transfers the amount of the one-time international transfer-only virtual account generated in association with the remitter account to the international remittance hub server 120 Transfer to the fund account, and at the same time destroy the one-time first international transfer-only virtual account (S608).

In addition, the remittance station financial server 110 transmits the withdrawal information of the recipient to the remitter terminal 100 at the same time as the one-time first international transfer-only virtual account is destroyed.

In addition, the transfer results to the foreign currency funds account to the international remittance hub server 120 (S610), the international remittance hub server 120 records and stores for the management of the Corres account. This is the end of the overseas remittance transaction.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples to aid understanding, and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

Claims

A remitter terminal capable of communicating with a remittance station financial server or a remittance target station financial server;

A recipient terminal capable of communicating with a remittance target station financial server or a remittance station financial server;

When remittance information is received from the remitter terminal or the ATM device, a one-time first international money-only virtual account linked to a remitter account is generated, the exchange rate is calculated according to the exchange rate calculation at the time of remittance, and the calculated currency exchange amount is calculated. After the transfer to the virtual account dedicated to the first international remittance transfers the first transfer related information to the remittance target country financial server, and generates information for withdrawal based on the second remittance related information received from the remittance target country financial server Remittance station financial server for transmitting to the terminal and the recipient terminal; And

When the first remittance related information is received, in accordance with the first remittance related information, and generates a one-time second international remittance dedicated virtual account in conjunction with the international money transfer dedicated funds account, the one-time generated to the remittance bureau financial server A remittance target country financial server for transmitting second remittance related information including virtual account information for a second international remittance;

Overseas remittance service system comprising a.
The method of claim 1, wherein the first money related information is

Overseas remittance service system characterized in that the information includes at least one or more of the remittance target person, remittance amount information and money exchangeable money information, withdrawal password.
The method of claim 1, wherein the information for withdrawal is

Overseas remittance service system, characterized in that the information including the one-time second international money-only virtual account number of the remittance target country financial server for withdrawal of the recipient.
The method of claim 1, wherein the remittance bureau financial server,

Upon receipt of the withdrawal data from the remittance target country financial server, the amount of the one-time first international money-only virtual account generated in association with the remitter account is transferred to the international money-money fund account, and at the same time, the one-time first money-only virtual account is Overseas remittance service system characterized by extinction.
The method of claim 4, wherein the remittance bureau financial server,

Overseas, characterized in that it is managed by raising the negative in the server Corres account based on the withdrawal transfer amount, and when the settlement cycle arrives, the settlement is collectively set according to the management matters when consistent settlement according to the Corress contract between the financial servers of each country based on the management information Money transfer system.
The financial server of claim 1, wherein

When the information for withdrawal or transfer is received from the ATM device or the receiver terminal, the withdrawal amount is processed according to the received information, and the withdrawal amount is added to the server Corres account as a plus, and immediately the remittance bureau financial server Overseas money transfer service system, characterized in that for managing the account by sending the withdrawal data.
The method of claim 6, wherein the withdrawal data,

Overseas remittance service system comprising a withdrawal-related breakdown information as data for informing the recipient withdrawal completion.
A remitter terminal capable of communicating with a remittance station financial server;

A receiver terminal capable of communicating with a remittance target station financial server;

When remittance information is received from the remitter terminal or the ATM device, a one-time first international money-only virtual account linked to a remitter account is generated, and the one-time payment agent designated as a withdrawal account for the money account of the international money transfer hub server in the remitter account. A remittance bureau financial server for transferring a remittance to a virtual account dedicated to international remittance and transmitting first remittance related information to the international remittance hub server;

Receiving the first remittance-related information is transmitted to the remittance target country financial server, the transaction record is recorded and stored for the management of the Corres account, the one-time second international remittance linked to the international remittance hub foreign exchange funds account from the remittance target country finance server An international remittance hub server for receiving the result of the transfer of the dedicated virtual account and immediately transmitting it to the remittance bureau financial server, and recording and storing transaction details for management of the Koreth account;

Upon receiving the first remittance related information from the international money transfer hub server, a one-time second international money transfer virtual account linked to the foreign currency money account of the international money transfer hub server is generated, and the foreign currency money account of the international money transfer hub server is used. A remittance target country financial server for transferring a remittance amount to a one-time second international remittance dedicated virtual account and transmitting the remittance result to the international remittance hub server;

Overseas remittance service system comprising a.
The method of claim 8, wherein the first transfer related information,

Overseas remittance service system characterized in that the information including at least one or more of the remittance target person, remittance amount information, and withdrawable money exchange information.
The financial server of claim 8, wherein the remittance target country financial server comprises:

When the information for the withdrawal or transfer is received from the ATM device or the receiver terminal, withdrawal processing the amount transferred according to the received information, and then transfer the withdrawal data to the international money transfer hub server. .
The method of claim 10, wherein the international money transfer hub server,

Receiving the withdrawal data from the remittance target country financial server, the withdrawal data received immediately sent to the remittance station financial server, the overseas remittance service system, characterized in that to record and store the transaction history.
The method of claim 11, wherein the remittance bureau financial server,

Overseas characterized in that for transmitting the information including the one-time second international money-only virtual account number of the remittance target country financial server for remittee withdrawal and the details related to the remittance to the remitter terminal or the recipient terminal information; Money transfer system.
The method of claim 12, wherein the remittance bureau financial server,

Overseas remittance service system, characterized in that for transmitting the information for the withdrawal including the password set by the sender.
The method of claim 11, wherein the remittance bureau financial server,

Upon receipt of withdrawal data informing the recipient of withdrawal from the international remittance hub server, the remittance of the one-time first international remittance-only virtual account created in association with the remitter account is immediately transferred to the international remittance hub server foreign exchange funds account. An overseas remittance service system characterized by destroying a one-time first international remittance-only virtual account and transmitting the result to an international remittance hub server.
The method of claim 14, wherein the remittance bureau financial server,

Overseas remittance service system, characterized in that for transmitting the withdrawal information of the recipient to the remitter terminal.
Receiving, by the remittance station financial server, remittance information from an ATM device or a remitter terminal;

Generating, by the remittance station financial server, a one-time first international remittance-only virtual account linked to a remitter account and transmitting the first remittance related information to the remittance target country financial server;

A first one-time international money transfer virtual account number including the generated one-time second international money transfer virtual account number by interworking with an international money transfer service-only account according to the first money related information; Transmitting the remittance related information to the remittance bureau financial server;

Generating information for withdrawal based on the second remittance related information by the remittance station financial server or the remittance target country financial server and transmitting the information for withdrawal to a remitter terminal and a receiver terminal;

Overseas remittance service method comprising a.
The method of claim 16,

Receiving, by the remittance target station financial server, information for withdrawal or transfer from an ATM device or a recipient terminal;

Withdrawing the amount of money remitted according to the received information by the remittance target country financial server;

Managing the banking account by raising the remittance target country financial server in a positive value based on the amount of money withdrawn from the server and sending the withdrawal data including the withdrawal-related details to the remitting country financial server;

Upon receipt of the withdrawal data, the remittance bureau financial server transfers the amount of the one-time first international money-only virtual account generated in association with the remitter account to the international money-funding account, and at the same time, the one-time first money-only virtual account. Is an extinction process;

Managing, by the remittance bureau financial server, negatively uploads a Corres account based on the amount of money withdrawn;

Overseas remittance service method characterized in that it further comprises.
Receiving, by the remittance station financial server, remittance information from an ATM device or a remitter terminal;

The remitter bureau finance server generates a one-time first international money-only virtual account linked to a remitter account, transfers the amount of money from the sender account to the one-time first international money-only virtual account based on the remittance information, and then transfers the first money. Transmitting the relevant information to the international money transfer hub server;

When the international remittance hub server receives the first remittance related information, transmitting the first remittance related information to a remittance target country financial server and storing transaction details;

When the remittance target country financial server receives the first remittance related information, it generates a one-time second international remittance-only virtual account linked to the foreign exchange funds account of the international remittance hub server, and in the foreign exchange funds account of the international remittance hub server. Transferring the transfer amount to a one-time second international money-only virtual account and transmitting the transfer result to the international money transfer hub server;

When the international money transfer hub server receives the transfer result, transmitting the transfer result to the remittance bureau financial server and storing transaction details at the same time;

Transmitting information for withdrawal by the remittance station financial server or the remittance target country financial server that has received the transfer result to the remitter terminal and the receiver terminal;

Overseas remittance service method comprising a.
The method of claim 18,

The international remittance hub server remittance service management method, characterized in that the international remittance hub server Correspondence account posts plus or minus based on the transaction history.
The method of claim 18,

Receiving, by the remittance target station financial server, remittance information for withdrawal or transfer from an ATM device or a recipient terminal;

The withdrawal processing of the remitted money according to the remittance information received by the remittance target country financial server, extinguishing the one-time second international remittance-only virtual account, and transmitting withdrawal data to the international remittance hub server;

The international money transfer hub transmitting the withdrawal data to the remittance bureau financial server and storing transaction details;

Wherein the remittance bureau financial server transfers the one-time first international remittance-only virtual account amount created in association with the remitter account to the foreign exchange funds account of the international remittance hub server, and destroys the one-time first remittance-only virtual account. ;

Transmitting, by the remittance bureau financial server, to the remitter terminal;

Overseas remittance service method characterized in that it further comprises.
The method according to any one of claims 16 to 20, wherein the remittance information,

Overseas remittance service method comprising at least one of the remitter country, remitter bank, remittee, remitter phone number, remitter profile, currency selection, remittance, SNS account of the remittee.
The method according to any one of claims 16 to 20, wherein the first transfer related information,

Overseas remittance service method comprising at least one of the remittance target person, remittance amount information and money exchangeable money information, SNS account of the remittee recipient.
The method according to any one of claims 16 to 20, wherein the information for the withdrawal,

Overseas remittance service method characterized in that it comprises at least one of a one-time second international remittance dedicated virtual account number, remittance-related details, password of the remittance target country financial server for withdrawal of the recipient.
The method of claim 18, wherein the transferring of the transfer result to the international money transfer hub server comprises:

And transmitting the generated one-time second international money-only virtual account generation history to the international money transfer hub server when the second international money-only virtual account is generated.
The method of claim 24, wherein after performing the process of transmitting the transfer result to the international money transfer hub server,

When the international money transfer hub server receives the remittance details of the one-time second international money-only virtual account, transmitting the received remittance details to the SNS server together with the SNS account input by the remitter;

Transmitting, by the SNS server, information for international remittance withdrawal to an SNS account of a remittee;

Overseas remittance service method further comprising a.
The method of claim 25, wherein the information for withdrawal,

Withdrawal account information that can be recognized by the withdrawal terminal, the international remittance service method characterized in that the information can be applied in the form of one of the barcode form, QR code.
The method of claim 20,

When the ATM device of the remittee country's financial server is requested to withdraw the money transferred by the remittee, the withdrawal process is processed in the form of one selected by the recipient among cash, prepaid card, gift certificate, and smart phone charging. Overseas remittance service method comprising a.