JP2017215740A - Foreign currency exchange system, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system capable of setting information necessary for foreign currency exchange on a customers smartphone in advance to perform foreign currency exchange using the information and a money exchange rate at that time afterwards, a method, and a program.SOLUTION: A program for making a customer terminal execute foreign currency exchange setting includes the steps of: determining payment received and a payment account; and preparing identification data for identifying the determined payment received and the payment account. Based on the prepared identification data, a private terminal makes a server execute draw down of budget corresponding to an amount of payment received from the payment account. The private terminal is different from the customer terminal.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a system, method, and program for foreign currency exchange.

  Conventionally, foreign currency exchange is performed by various exchange methods at bank and airport exchange offices. For example, a customer can receive a foreign currency in cash by going to a store counter or a change machine and paying Japanese yen cash. Foreign currency exchange is performed based on an exchange rate obtained by adding a fee to the exchange rate. In other words, the exchange rate fluctuates according to the fluctuation of the exchange rate. In the case described above, the value at the time when the foreign currency is exchanged at the store is used as the exchange rate.

  Alternatively, in order to reduce the time required for in-store procedures, it is also known that you can apply for foreign currency exchange on the Internet in advance at home or at work, and later receive foreign currency at the store. (For example, Patent Document 1). In order to complete the payment required for foreign currency exchange at the time of application, it is only necessary to receive foreign currency at the store.

JP 2006-146487 A

  However, in the conventional exchange method like Patent Document 1, the exchange rate when applying in advance is used instead of the exchange rate when receiving foreign currency at the store. For this reason, even if the exchange rate fluctuates between application and receipt, the amount of foreign currency that the customer can receive remains unchanged. In other words, even if the amount already paid is too large when calculated at the exchange rate at the time of receipt, there is no return to the customer and there is a so-called exchange fluctuation risk.

  Therefore, the present invention has been made in view of such problems, and the object of the present invention is to use a currency exchange rate at the time when the customer actually receives the foreign currency, and without having to spend time at the store. It is to provide a system, a method, and a program that can exchange money.

  In order to achieve such an object, a first aspect of the present invention is a program for causing a customer terminal to execute a foreign currency exchange setting, wherein the foreign currency exchange setting determines a received amount and a withdrawal account; Creating identification data for identifying the determined receipt amount and withdrawal account, and a dedicated terminal receives the receipt from the withdrawal account based on the created identification data The dedicated terminal is a terminal different from the customer terminal.

  According to the present invention, information necessary for foreign currency exchange is set in advance on a customer's smartphone, and foreign currency exchange can be performed later using these information and the exchange rate at that time. .

1 is an overall schematic diagram of a foreign currency exchange system according to an embodiment of the present invention. It is a functional block diagram of the customer terminal concerning one Embodiment of this invention. It is a transition diagram of the screen displayed on the customer terminal concerning one Embodiment of this invention. It is a functional block diagram of a dedicated terminal according to an embodiment of the present invention. It is a transition diagram of a screen displayed on a dedicated terminal according to an embodiment of the present invention. It is a functional block diagram of the server concerning one Embodiment of this invention. It is a sequence diagram which shows the flow of the process in the foreign currency exchange system concerning one Embodiment of this invention.

  FIG. 1 is an overall schematic diagram of a foreign currency exchange system 100 according to an embodiment of the present invention. The foreign currency exchange system 100 includes a customer terminal 111, a dedicated terminal 121, a window terminal 122, and a server 131.

  A series of flows of the foreign currency exchange service according to the present invention will be described. First, a customer 112 performs exchange of currency on application software (hereinafter referred to as “app”) installed on a customer terminal 111 such as a smartphone. Enter the required information. For example, the necessary information is the type of currency after exchange desired by the customer 112, the exchange amount desired by the customer 112, and information on the withdrawal account. Payment (fund) necessary for foreign currency exchange is made by debiting from the account of the customer 112. The exchange amount desired by the customer 112 can be designated by the amount in the currency before the exchange, or can be designated by the amount in the currency after the exchange. When the customer 112 inputs such information on the application, the amount of money that can be received by the customer 112 (for example, 300 US dollars) corresponding to the desired exchange amount, and the number of bills that can be received by the customer 112 (For example, two 100 US dollar bills and two 50 US dollar bills) are automatically calculated. This calculation is performed based on the exchange rate at that time (that is, at the time of input). Next, the customer 112 acquires a QR code on the customer terminal 111. This QR code includes the amount of money that can be received by the customer 112, the number of bills that can be received by the customer 112, and information on the withdrawal account. Thereafter, the customer 112 goes to the currency exchange corner 124 and causes the dedicated terminal 121 to read the QR code. Then, on the screen of the dedicated terminal 121, the amount that can be received by the customer 112, the number of bills that can be received by the customer 112, and the exchange rate at that time (that is, when reading the QR code). The amount before exchange based on money (that is, the amount to be deducted) is displayed. When the customer 112 accepts foreign currency exchange with the displayed amount, a receipt is output from a printer (not shown) connected to the dedicated terminal 121. The person in charge of the window 123 can hand the cash to the customer 112 by looking at the receipt.

  The foreign currency exchange service according to the present invention can be realized by either a native application (an application that is downloaded to a smartphone or a tablet terminal) and a Web application (an application that is used via the Internet on a browser).

  The present invention is not limited to receiving a foreign currency by debiting from a Japanese yen deposit account, but also when receiving a foreign currency (for example, euro) different from the foreign currency by deducting from a foreign currency (for example, US dollar) deposit account. It is possible to apply. The present invention can also be applied to the case of foreign currency of the same type (for example, when receiving US dollars from a US dollar deposit account). In this case, there is no effect of reducing the risk of fluctuations in exchange rates, but the procedure at the store can be omitted.

  The present invention can be applied not only to withdrawal from a bank account, but also to a credit card, electronic money, and points (for example, points given in accordance with purchase or use of goods or services). is there. In other words, instead of withdrawing funds necessary for foreign currency exchange from the account, it is possible to settle with a credit card or pay with electronic money or points corresponding to the necessary funds.

  Also, in this specification, “denomination” refers to a type (for example, 100 US dollar bill, 50 US dollar bill, etc.) depending on the difference in the face value of bills and coins.

  FIG. 2 is a functional block diagram of the customer terminal 111 according to the embodiment of the present invention. The customer terminal 111 is, for example, a smartphone or a tablet terminal. The customer terminal 111 is a program for operating the setting unit 201, the calculation unit 202, the QR code creation unit 203, the QR code acquisition unit 204, and the QR code display unit 205, or a program for executing the processing described later (for example, , A storage medium storing a smartphone application).

  The setting means 201 can cause the customer 112 to set information necessary for foreign currency exchange and store the set information in the memory of the customer terminal 111.

  Specifically, the setting unit 201 can display a screen for selecting the type of currency after exchange on the customer terminal 111. The customer 112 can select a desired currency type after exchange from one or more currency types. The currency after exchange can include any currency such as US dollars and euros. The setting means 201 can use currency type data after exchange stored in the customer terminal 111 in advance. Alternatively, the setting unit 201 can receive the currency type data after the exchange from the server 131 each time or periodically.

  The setting unit 201 can display a screen for selecting a withdrawal account (hereinafter also referred to as “withdrawal account”) on the customer terminal 111. The customer 112 can select an account for withdrawing funds necessary for foreign currency exchange from one or more accounts owned by the customer 112. Accounts can include accounts that are deposited in Japanese yen, and accounts that are deposited in foreign currencies (US dollars, euros, etc.). Arbitrary combinations are possible for the type of currency deposited in the withdrawal account and the type of currency after exchange. The setting unit 201 can use data of information on an account owned by the customer 112 that is stored in the customer terminal 111 in advance. Alternatively, the setting unit 201 can receive data on the account information owned by the customer 112 from the server 131 each time or periodically. For example, the account information includes the type of currency in which the deposit is made, a branch name, a subject, and an account number.

  In addition, the setting unit 201 displays a screen on the customer terminal 111 for inputting a desired exchange amount (that is, an amount in the currency before the desired exchange or an amount in the currency after the desired exchange). can do. The type of currency before exchange is the same as the type of currency deposited in the account selected as the withdrawal account. The customer 112 can input either the amount in the currency before the exchange desired by the customer 112 or the amount in the currency after the exchange desired by the customer 112.

  In addition, the setting means 201 is an amount that can be received by the customer 112 (that is, the customer 112 actually receives) corresponding to the exchange amount input by the customer 112 (that is, the amount in the currency before or after the exchange). The amount of money in the currency after exchange), and the currency denomination (types depending on the difference in face value of banknotes and / or coins) that the customer 112 can receive and the number of each denomination The screen to be presented can be displayed. Further, the setting means 201 can display a screen that presents the amount to be deducted based on the exchange rate at the current time (that is, at the time of setting). The debit amount based on the number of denominations and the current exchange rate is calculated by the server 131 or the calculation means 202 described later. In this way, the customer 112 only has to input the amount of money, and does not have to calculate the number of each denomination.

  In addition, the setting unit 201 stores data indicating the withdrawal account selected by the customer 112, the receivable amount presented to the customer 112, the denominations that can be received, and the number of each denomination in the customer terminal 111. Can be stored in memory. In the present invention, not only one transaction for foreign currency exchange but also a plurality of transactions can be set in advance. In other words, the setting means 201 sets the withdrawal account selected by the customer 112, the amount that can be received presented to the customer 112, the denomination that can be received, and the denomination of each denomination for one or more foreign currency exchanges. Data indicating the number of sheets can be stored.

  The calculation means 202 can calculate the denomination of currency after exchange and the number of each denomination corresponding to the desired amount in the currency before or after the exchange input by the customer 112. The server 131 can calculate and the customer terminal 111 can display the calculated result. Hereinafter, the case where the input amount is the amount in the currency before the exchange and the case where the input amount is the amount in the currency after the exchange will be described separately.

  First, the case where the input amount is the amount in the currency before exchange will be described. The calculation means 202 can receive the exchange rate at that time (that is, at the time of setting) from the server 131. Moreover, the calculation means 202 can convert the amount in the currency before the exchange into the amount in the currency after the exchange using the received exchange rate. Moreover, the calculation means 202 can process the fraction of the amount of money in the converted currency according to a predetermined rule. Moreover, the calculation means 202 can calculate the number of denominations for the amount of money after the fraction is processed according to a predetermined rule. Moreover, the calculation means 202 can convert the money amount in the currency after the exchange after processing the fraction using the received exchange rate into the money amount in the currency before the exchange.

  For example, it is assumed that the input amount in currency before exchange is 20,000 yen. Then, it is assumed that the converted amount in currency after exchange is 210 US dollars. For example, in the case of a rule that rounds down to the nearest ten, the amount in the currency after exchange after processing the fraction is US $ 200. Further, for example, if the rule is to include two 50 US dollar bills and the rest to be 100 US dollar bills, the customer 112 can obtain one 100 US dollar bill and two 50 US dollar bills (total 200 US dollars). Can receive. Assume that the amount converted from Japanese dollars to Japanese yen using the exchange rate at that time (that is, at the time of setting) was 19,888 yen. The customer can know that the withdrawal amount is 19,888 yen based on the exchange rate at the present time (that is, at the time of setting). Note that the amount actually withdrawn is calculated based on the exchange rate when the foreign currency is received (that is, when the QR code is read).

  Not limited to the above example, for example, a rule of rounding down, rounding up, rounding off or rounding off a predetermined amount of money in a converted currency can be used as a rule for rounding. For example, as a rule for calculating the number of sheets, a rule that includes a predetermined number of banknotes or coins of a predetermined type can be used.

  Next, the case where the input amount is the amount in the currency after exchange will be described. The calculation means 202 can process the fraction of the amount in the currency after the exchange according to a predetermined rule. Alternatively, the customer 112 may not be able to input a predetermined number or less (for example, can only input up to 100 US dollars) so that the fraction processing is not necessary. Moreover, the calculation means 202 can calculate the number of denominations for the amount of money after the fraction is processed according to a predetermined rule. Further, the calculation means 202 can receive the exchange rate at that time (that is, at the time of setting) from the server 131. Moreover, the calculation means 202 can convert the money amount in the currency after the exchange after processing the fraction using the received exchange rate into the money amount in the currency before the exchange. The rules are the same as the case where the input amount is the amount in the currency before the exchange, so the description is omitted.

  It should be noted that the customer 112 can change the number of denominations for each denomination whether the entered amount is in the currency before the exchange or in the currency after the exchange. Is possible. The calculating means 202 can recalculate the number of denominations based on the changed number of sheets input by the customer 112. For example, in the above example, one 100 US dollar bill and two 50 US dollar bills (total 200 US dollars) were presented. However, it is assumed that the customer 112 thinks that 50 US dollars is unnecessary and changes the 50 US dollar bill to 0 on the screen of the customer terminal 111. In the above example, the rule is that two 50 US dollar bills are included, and the rest is 100 US dollar bills. Therefore, the calculation means 202 recalculates two 100 US dollar bills (200 US dollars in total).

  The QR code creating means 203 can create a QR code necessary for receiving foreign currency exchange. Specifically, the QR code creating unit 203 indicates data indicating a withdrawal account, an amount that can be received, a denomination that can be received, and the number of each denomination stored in a memory in the customer terminal 111. A QR code can be created based on the data. Each time the QR code is created, the QR code creating unit 203 can add a time stamp (QR code creation date and time) to the QR code. The server 131 may create a QR code, and the QR code acquisition unit 204 may acquire the QR code from the server 131.

  The QR code acquisition unit 204 can acquire a QR code from the server 131. Specifically, the QR code acquisition unit 204 stores data indicating a withdrawal account, an amount that can be received, a denomination that can be received, and the number of denominations that are stored in the memory by the setting unit 201. Can be transmitted. Further, the QR code acquisition unit 204 can receive the QR code created by the server 131 from the server 131. In addition, the QR code acquisition unit 204 can receive an alert from the server 131 that it cannot be withdrawn from the withdrawal account due to insufficient balance, and can display the alert together with the QR code. Therefore, although the customer 112 is not the actual withdrawal amount, the customer 112 can grasp the withdrawal amount and the presence / absence of the balance using the current exchange rate (that is, at the time of setting).

  The creation or acquisition of the QR code can be continued after setting information necessary for foreign currency exchange. It is also possible to create or obtain a QR code for information set in advance later (for example, after re-login). Accordingly, the customer 112 can make settings before going out on a trip or the like, and can create or obtain a QR code when receiving foreign currency at an airport or the like. The information once set can continue to be stored in the memory of the customer terminal 111 unless the customer 112 deletes the information.

  The QR code may include data indicating a withdrawal account, data indicating an amount that can be received, data indicating a denomination that can be received, and the number of each denomination. The QR code is data indicating a customer identifier of the customer 112 (a customer identifier stored in a memory in the customer terminal 111 or a customer identifier transmitted to the server 131 by the customer terminal 111 at the time of login for Internet banking). Can be included. Further, the QR code can include data indicating the date and time when the customer terminal 111 or the server 131 created the QR code. In other words, when a QR code for information set in advance is created or acquired later, the date and time when the QR code is created or acquired becomes the QR code creation date and time, not when it is set in advance. . The QR code is valid only for a predetermined period after it is created. For example, the dedicated terminal 121 that has read the QR code determines the validity of the QR code based on the QR code creation date and time. Therefore, it is possible to prevent unauthorized use by a third party that may occur due to the loss of the smartphone. The QR code is encrypted so that it can be read only by the dedicated terminal 121. In this specification, embodiments using QR codes will be described. However, the present invention is not limited to QR codes, and any identifiable data such as barcodes, columns of numbers, characters and symbols, and images can be substituted. Is possible.

  The QR code display unit 205 can display the QR code created by the QR code 203 or the QR code acquired by the QR code acquisition unit 204 on the screen of the customer terminal 111. Specifically, the QR code display unit 205 can store the created or acquired QR code in the memory of the customer terminal 111 and display it on the screen as necessary. The QR code display means 205 can update the screen for displaying the QR code. In other words, the QR code that has been re-created by the QR code 203 or re-obtained by the QR code acquisition unit 204 (that is, including data of a new QR code creation date and time) is displayed. For example, it is useful when it takes time to display a QR code after displaying the QR code, and the expiration date of the QR code has passed.

  FIG. 3 is a transition diagram of screens displayed on the customer terminal 111 according to the embodiment of the present invention.

  In step 301, a screen for logging in to bank internet banking is displayed. The customer 112 logs in by inputting the customer identifier and password of the customer 112, for example.

  In step 302, a screen for selecting a foreign currency exchange service from a plurality of services is displayed.

  In step 303, a screen for selecting (i) whether to newly set or (ii) to create or acquire a QR code for the already set information is displayed. If (i), go to step 304; if (ii), go to step 308.

  In step 304, a screen for selecting the type of currency after exchange is displayed. The customer 112 selects a desired currency type after exchange.

  In step 305, a screen for selecting a withdrawal account is displayed. The customer 112 selects one desired withdrawal account from among accounts owned by the customer 112. Note that the display order of the screens in step 304 and step 305 may be reversed.

  In step 306, a screen for inputting a desired exchange amount (amount in the currency before the desired exchange or an amount in the currency after the desired exchange) is displayed. When either the amount in the currency before the exchange desired by the customer 112 or the amount in the currency after the desired exchange is input, the denomination of the currency that the customer 112 can receive corresponding to the amount and each money The number of seeds is presented. When the customer 112 changes the number, the recalculated number is presented. When the customer 112 inputs to the customer terminal 111 that the number of denominations has been approved, the process proceeds to step 307.

  In step 307, a screen for confirming the number of denominations accepted in step 306 is displayed. In addition, it is possible to display a debit amount based on the exchange rate at the current time (that is, at the time of setting). Also, the value of the exchange rate at the present time (that is, at the time of setting) can be displayed. When the customer 112 inputs to the customer terminal 111 that the displayed content has been approved, the process proceeds to step 308 (that is, a QR code is created or acquired). For example, the process may proceed to step 308 only when authentication using a one-time password or the like succeeds. If accepted in step 307, (ii) in step 303 can be selected (that is, the set information is stored in the memory of the customer terminal 111).

  In step 308, the QR code, the withdrawal account information, and the number of denominations that the customer can receive are displayed. If (i) is selected at step 303, the same debit amount as that displayed at step 307 can be displayed. Further, when (ii) is selected in step 303, the deduction amount based on the exchange rate at the time of selecting (ii) (not at the time set in advance) can be displayed. Alternatively, if (ii) is selected in step 303, the same debit amount as that displayed in step 307 when set in advance can be displayed. Further, when the screen displaying the QR code is updated, it is possible to display the same withdrawal amount as that displayed before the update. Alternatively, when the screen for displaying the QR code is updated, the debit amount based on the exchange rate at the time of the update can be displayed. The customer 112 can receive the foreign currency by causing the dedicated terminal 121 of the currency exchange corner to read the displayed QR code. After actually receiving the foreign currency, the foreign currency exchange history may be confirmed on a screen for confirming the history of Internet banking transactions (not shown).

  FIG. 4 is a functional block diagram of the dedicated terminal 121 according to the embodiment of the present invention. The customer terminal 111 is, for example, a tablet type terminal. The customer terminal 111 has a QR code reading function.

  The QR code reading unit 401 can read the QR code displayed on the screen of the customer terminal 111. Further, the QR code reading unit 401 can decode the read QR code. The QR code is encrypted so that it can be read only by the dedicated terminal 121. Note that the present invention is not limited to reading QR codes, and information on the withdrawal account, the amount that can be received by the customer from the customer terminal 111 to the dedicated terminal 121 by NFC (Near Field Communication), and the number of each denomination This can also be realized by transmitting the data.

  The processing means 402 can present to the customer 112 the amount actually withdrawn and the number of denominations that the customer 112 can receive. Specifically, the processing unit 402 can transmit the data decoded by the QR code reading unit 401 to the server 131. The decrypted data can include data indicating the withdrawal account and data indicating the amount, denomination and number of denominations that the customer 112 can receive. Further, the decrypted data can include data indicating a customer identifier of the customer 112. The processing means 402 can receive the exchange rate data at the time (that is, when reading the QR code) from the server 131. Further, the processing means 402 can receive from the server 131 data of the deduction amount based on the exchange rate at that time (that is, when reading the QR code). Further, the processing means 402 can receive the balance data from the server 131 when it is deducted from the withdrawal account. Note that the customer 112 can change the number of denominations. The server 131 can recalculate the amount actually withdrawn based on the changed number of sheets input by the customer 112.

  Note that the processing unit 402 can calculate the debit amount based on the exchange rate at that time (that is, when reading the QR code), similarly to the calculation unit 607 of the server 131 described later. Specifically, the processing means 402 uses the exchange rate at that time (that is, when reading the QR code) to calculate the amount in currency after the exchange (that is, the amount that can be received) in the currency before the exchange. Can be converted into the amount of money (that is, the amount to be debited).

  The withdrawal request unit 403 can execute withdrawal from the withdrawal account of the customer 112. Specifically, the withdrawal request means 403 sends the amount of money presented to the customer 112 by the processing means 402 from the withdrawal account of the customer 112 to the server 131 (that is, the withdrawal amount based on the exchange rate at the time of QR code reading). ) Can be ordered to be withdrawn.

  The output unit 404 can output a receipt from a printer (not shown) connected to the dedicated terminal 121. On the receipt, the number of denominations that the customer 112 can receive, the amount that the customer 112 can receive, and the withdrawal amount are printed. Two copies of the receipt are output. One copy can be used as a reference for the person in charge at the counter 123, and the other copy can be used as a copy of the customer 112. For example, a dedicated terminal 121 and a printer may be installed in the window 123 so that the person in charge of the window 123 takes a receipt and passes it to the customer 112.

  Alternatively, a dedicated terminal 121 and a printer may be installed at a location away from the window 123 so that the customer 112 can take a receipt and give it to the person in charge of the window 123. In this case, in order to prevent the use of a forged receipt, the window terminal 122 may receive and manage data such as an application number assigned to the output receipt from the dedicated terminal 121. The person in charge of the window 123 can confirm on the window terminal 122 whether or not the application number exists and whether or not the foreign currency has been exchanged based on the receipt of the application number.

  The receipt given to the person in charge at the counter 123 is, for example, the sum of the amounts in the currency after the exchange described in all the receipts given on that day, and the cash of that currency that was reduced at the exchange corner 124 on that day. Can be used to match the amount (ie, the total amount of cash handed to customer 112). Instead of using a receipt, the dedicated terminal 121 may transmit information printed on the receipt to the window terminal 122 as data.

  FIG. 5 is a transition diagram of screens displayed on the dedicated terminal 121 according to the embodiment of the present invention.

  In step 501, a screen for starting QR code reading is displayed. The customer 112 displays a QR code on the screen of the customer terminal 111 and causes the dedicated terminal 121 to read it. When the reading is completed, the process proceeds to step 502.

  In step 502, the details of the foreign currency exchange using the exchange rate at that time (that is, at the time of reading the QR code, not at the time of setting) are displayed. Specifically, the exchange rate at that time (that is, when reading the QR code), the actual deduction amount based on the exchange rate at that time (that is, when reading the QR code), and the denomination that the customer 112 can receive Each number is displayed. When the customer 112 changes the number of sheets, the actual withdrawal amount is also changed. It is also possible to display the balance when withdrawn from the withdrawal account. In this way, the customer 112 can change the number of denominations when the debit amount changes largely from the initial (that is, at the time of setting) due to a change in the exchange rate. Furthermore, since the balance is displayed, the customer 112 can change the number of denominations according to the balance, such as reducing the number of sheets if the balance is insufficient. When the customer 112 inputs to the dedicated terminal 121 that the displayed content has been approved, the process proceeds to step 503.

  In step 503, the details of the executed debit are displayed. Specifically, the amount withdrawn, the amount that can be received at the window 123, and the number of each denomination are displayed. An error is displayed if the balance could not be debited due to insufficient balance.

  FIG. 6 is a functional block diagram of the server 131 according to the embodiment of the present invention. The server 131 is a computer that includes a processor and a memory.

  The currency information transmission unit 601 can transmit data indicating one or more types of currencies stored in the currency information database 602 to the customer terminal 111. The customer 112 can select the currency after exchange from this list.

  The account information transmission means 603 can transmit data indicating one or more accounts owned by the customer 112 stored in the account information database 604 to the customer terminal 111. The customer 112 can select a withdrawal account from this list. In the account information database 604, the customer identifier of the customer 112 and the information of the account of the customer 112 are linked. Therefore, the account information transmission means 603 can extract the account of the customer based on the customer identifier transmitted from the customer terminal 111 at the time of login for Internet banking. In the account information database 604, the deposit balance of each account is managed.

  The exchange rate information transmission means 605 can transmit data indicating the exchange rate at the current time stored in the exchange rate information database 606 to the customer terminal 111 and the dedicated terminal 121. In the exchange rate information database 606, the value of the exchange rate is stored for each foreign currency exchange (for example, exchange from Japanese yen to US dollar, exchange from US dollar to euro, etc.).

  Similarly to the calculation unit 202 of the customer terminal 111, the calculation unit 607 calculates the denomination amount based on the currency type and the number of each denomination after the exchange that can be received by the customer 112, and the exchange rate at the time of setting. Can be calculated. The calculation means 607 performs calculation after receiving from the customer terminal 111 data on the type of currency after exchange, the type of currency deposited in the withdrawal account, and the desired amount before or after exchange. Details are the same as the calculation unit 202 of the customer terminal 111, and thus the description thereof is omitted.

  The calculation means 607 can transmit the debit amount data based on the exchange rate at the time of reading the QR code to the dedicated terminal 121. Further, the calculation means 607 can transmit the balance data in the case of debiting from the withdrawal account to the dedicated terminal 121. Specifically, the calculation means 607 can receive from the dedicated terminal 121 data indicating a withdrawal account and data indicating the amount, denomination and number of denominations that the customer 112 can receive. Further, the calculation means 607 uses the exchange rate at that time (that is, when reading the QR code) to calculate the amount in the currency after the exchange (that is, the amount that can be received) in the currency before the exchange ( That is, it can be converted into (amount to be deducted). Further, the calculation means 607 can calculate the balance when it is debited based on the data indicating the withdrawal account received from the dedicated terminal 121.

  The QR code creating means 608 can create a QR code required when receiving foreign currency exchange and transmit it to the customer terminal 111. Specifically, the QR code creating means 608 is based on the data indicating the withdrawal account transmitted from the customer terminal 111 and the data indicating the amount, denomination and number of each denomination that the customer 112 can receive, QR codes can be created. Each time the QR code is created, the QR code creating means 608 can add a time stamp (QR code creation date and time) to the QR code.

  The withdrawal means 609 can withdraw the withdrawal amount calculated using the exchange rate at the time of reading the QR code from the withdrawal account of the customer 112. Specifically, the withdrawal account 609 can perform withdrawal in response to a withdrawal request from the withdrawal request unit 403 of the dedicated terminal 121.

  FIG. 7 is a sequence diagram showing a processing flow in the foreign currency exchange system according to the embodiment of the present invention.

  In step 701, the customer terminal 111 causes the customer 112 to set information necessary for foreign currency exchange, and stores the set information in the memory of the customer terminal 111. At this time, the debit amount based on the exchange rate at the time of setting is presented to the customer 112.

  In step 702, the customer terminal 111 creates a QR code based on the information set in step 701. At this time, the customer 112 may be presented with a deduction amount based on the exchange rate when the QR code is displayed, or may be presented as a deduction based on the exchange rate when set in advance. .

  In step 703, the customer terminal 111 displays the QR code created in step 702, and the dedicated terminal 121 reads this QR code.

  In step 704, the dedicated terminal 121 displays the details of the transaction actually performed. At this time, the debit amount based on the exchange rate at the time of QR code reading is presented to the customer 112. The debit amount based on the exchange rate at the time of reading the QR code is debited from the account.

  In step 705, the dedicated terminal 121 requests the server 131 to execute the withdrawal with the transaction content displayed in step 704.

  In step 706, the server 131 executes the withdrawal requested in step 705.

  In step 707, a two-part receipt is output from a printer (not shown) connected to the dedicated terminal 121. After step 707, the person in charge at the window 123 can see the receipt and hand the cash to the customer 112.

  In order to prevent stocks of banknotes and coins from being out of stock when receiving currency after exchange, it is possible to display only banknotes and currencies existing at that time in the currency exchange corner 124 in step 704. Specifically, the server 131 manages the number of each banknote and each currency existing in each exchange corner 124. Thus, the server 131 can collate the number of denominations transmitted from the dedicated terminal 121 with the managed inventory. For example, when the US $ 100 is insufficient, the server 131 can be changed to two US $ 50 and displayed on the dedicated terminal 121.

  In this way, in the present invention, since the exchange rate at the time of actually receiving foreign currency can be used, both the customer 112 side and the bank side can avoid the currency fluctuation risk.

  In the present invention, the server 131 does not need to continue to manage QR codes. In the present invention, since a terminal for setting in advance (that is, the customer terminal 111) and a terminal for executing the withdrawal (that is, the dedicated terminal 121 arranged in the currency exchange corner 124) are separated, It is possible to prevent the customer 112 from executing the withdrawal by mistake.

  The embodiment of the present invention has been described so far. However, the above embodiment is merely an example, and the present invention is not limited to the above-described embodiment, and may be implemented in various forms within the scope of the technical idea. Needless to say, it is good.

  In addition, the scope of the present invention is not limited to the illustrated and described exemplary embodiments, and includes all embodiments that provide the same effects as those intended by the present invention. Further, the scope of the invention is not limited to the combinations of features of the invention defined by the claims, but may be defined by any desired combination of particular features among all the disclosed features. .

100 Foreign currency exchange system 111 Customer terminal 112 Customer 121 Dedicated terminal 122 Window terminal 123 Window 124 Exchange corner 131 Server 201 Setting means 202 Calculation means 203 QR code creation means 204 QR code acquisition means 205 QR code display means 401 QR code reading means 402 Processing Means 403 Withdrawal request means 404 Output means 601 Currency information transmission means 602 Currency information database 603 Account information transmission means 604 Account information database 605 Exchange rate information transmission means 606 Exchange rate information database 607 Calculation means 608 QR code creation means 609 withdrawal means

Claims (10)

A program for causing a customer terminal to execute a foreign currency exchange setting, wherein the foreign currency exchange setting is:
Determining the amount received and withdrawal account;
Creating identification data for identifying the determined receipt amount and withdrawal account;
A dedicated terminal causes a server to withdraw funds for the received amount from the withdrawal account based on the created identification data, and the dedicated terminal is a terminal different from the customer terminal. A featured program.   The program according to claim 1, wherein the amount of funds corresponding to the amount received is a debit amount calculated using an exchange rate when the dedicated terminal acquires the identification data.   The program according to claim 1, wherein the received amount includes a number for each denomination of currency after exchange.   2. The foreign currency exchange setting further includes a step of displaying a debit amount calculated using a current exchange rate before determining the received amount and the withdrawal account. 4. The program according to any one of items 1 to 3.   The program according to any one of claims 1 to 4, wherein the identification data has an expiration date based on the created date and time. A program for causing a dedicated terminal to execute a foreign currency exchange process,
Obtaining identification data from a customer terminal, wherein the customer terminal is a terminal different from the dedicated terminal; and
Requests the server to withdraw the funds for the received amount identified by the identification data from the withdrawal account identified by the identification data, using the exchange rate when the identification data is acquired. A program characterized by including steps.   The foreign currency exchange processing further includes a step of displaying the amount of funds for the received amount, and the amount of funds for the received amount is determined using the exchange rate when the dedicated terminal acquires the identification data. The program according to claim 6, wherein the program is a calculated deduction amount.   The program according to claim 6 or 7, wherein the foreign currency exchange processing further includes a step of outputting a receipt necessary for receiving cash corresponding to the amount received, and the receipt is used for a matching process. A foreign currency exchange server,
A means for receiving a received amount and a withdrawal account from a dedicated terminal, wherein the received amount and the withdrawal account are included in the identification data acquired from the customer terminal by the dedicated terminal, and the customer terminal is the dedicated terminal Means that is a terminal different from the terminal;
Means for calculating funds for the received amount using an exchange rate when the dedicated terminal acquires the identification data;
Means for withdrawing the calculated amount of money received from the withdrawal account. A means of managing the stock of each currency denomination at each window;
The server according to claim 9, further comprising: a unit that determines a denomination of currency that can be received at each of the counters based on the inventory.

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