KR100780451B1 - Foreign currency remittance service system and method thereof - Google Patents

Abstract

A system and a method for providing a foreign currency remittance service are provided to automatically process foreign currency remittance according to registered information if a remittance amount is deposited to a remittance-only account. A remittance-only account of a remitter is opened only for the foreign currency remittance to a foreign bank account of a recipient. A database(30) stores information of the remittance-only account of the recipient and foreign bank account information of the recipient linked with the remittance-only account of the recipient. A remittance processor includes a remittance-only account monitor(42) monitoring reception of the remittance amount to the remittance-only account, a central processor(46), and a remittance processor(48). The central processor controls the foreign currency remittance to the foreign bank account of the recipient based on the information stored in the database whenever the reception of the remittance amount is checked. The remittance processor remits the remittance amount to the foreign bank account by control of the central processor.

Description

Foreign currency remittance service system and method

1 is a network configuration to which the foreign currency remittance service system according to an embodiment of the present invention is applied.

2 is a diagram illustrating an internal configuration of a foreign currency remittance service server and a database of FIG. 1.

3 is a flowchart illustrating a foreign currency remittance service method according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

10: remittance terminal 20: communication network

30: Database 32: Remitter Information Database

34: Recipient Information Database 36: Remittance Information Database

38: remittance result information database 40: foreign currency remittance service server

42: exclusive transfer monitoring unit 44: mail server

46: central processing unit 48: remittance processing unit

The present invention relates to a foreign currency remittance service system and method, and more particularly to a system and method for performing a foreign currency remittance service using a remittance-only account.

In general, in order to make foreign currency remittance, there is a method of directly visiting a bank window and remitting money, a method of remittance using internet banking, and a method of remittance using reservation transfer.

In case of remittance by visiting the bank, you must submit the application documents related to foreign currency remittance at each remittance. This method is not only time-consuming to fill out application documents, but also inconveniences that it takes a lot of waiting time when the bank window is crowded. In addition, when foreign workers wish to make foreign currency remittances, there is a problem that it is difficult to communicate at a bank window, and thus, it takes a lot of time to prepare the application documents compared to Koreans. In addition, there is an inconvenience that remittance is possible only within the bank business hours.

In the method of remittance using internet banking, when the service is initially registered, there is no need for further registration. However, this method has to go through a rather complicated input procedure such as inputting a remittance amount and a settlement account for each remittance. And, it is a limited method only for customers of banks that have registered internet banking service.

In the method of remittance using a reservation transfer, a predetermined amount is deposited in an account number of a bank registered in advance for a reservation transfer, and a predetermined amount is automatically transferred on a predetermined reservation date. This method is convenient because it does not need to enter the remittance amount and payment account each time. However, this method automatically transfers only when the reservation date is set, so that the user can inadvertently lose money according to the exchange rate of the reservation date. For example, if the dollar's exchange rate is higher than the won at the time of booking, the recipient will lose a lot of money.

The present invention has been proposed to solve the above-mentioned problems, and provides a foreign currency remittance service system and method for automatically remittance processing abroad according to registered information when a predetermined remittance amount is deposited in a remittance-only account. There is this.

In order to achieve the above object, a foreign currency remittance service system according to a preferred embodiment of the present invention is a system for remitting foreign currency to an overseas bank account of a recipient.

Remitter's remittance-only account opened solely for the remittance of foreign currency to the recipient's foreign bank account; A database that stores information of the remitter's remittance account and information of the recipient's overseas bank account linked to the remitter's remittance account; Remittance account monitoring unit that monitors the remittance of remittances to the remittance-only account, and when the remittance of remittances to the remittance-only account is confirmed by the remittance-only account monitoring unit, the foreign bank of the relevant recipient is based on the information stored in the database. A central processing unit for controlling overseas remittance to the account; And a foreign currency remittance service server including a remittance processing unit for remitting the remitted money amount transferred by the control from the central processing unit to an overseas bank account of a corresponding recipient.

The central processing unit determines the remittance currency, exchange rate, and fee, and determines the amount of foreign currency remittance based on the remittance currency and the exchange rate after deducting the fee from the remittance amount transferred to the remittance-only account.

The balance of the remittance-only account before the remitter deposits the remittance into the remittance-only account and after the remittance processing unit remits it to the recipient's overseas bank account is zero.

On the other hand, the foreign currency remittance service method according to an embodiment of the present invention, as a method of remitting the transfer amount of the remitter to the remittance-only account from the foreign currency remittance service server to the recipient's overseas bank account,

A monitoring step of monitoring whether the remittee transfers the remittance to the remittance-only account associated with the overseas bank account; A determination step of determining whether overseas remittance is possible based on remittance information previously stored in a database when the remittance of the remittance to the remittance-only account is confirmed; And a foreign currency remittance step of remitting the remittance to an overseas bank account of the recipient linked to the remittance-only account if it is determined that the remittance is possible.

Hereinafter, a foreign currency remittance service system and method according to an embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a network configuration to which the foreign currency remittance service system according to an embodiment of the present invention is applied. Foreign currency remittance service capable of connecting and transmitting / receiving information and transmitting / receiving information with a server (not shown) of a foreign bank through the communication network 20 and the communication network 20, which can be connected to the communication network 20. Server 40, and database 30.

The remitting-side terminal 10 has a unique e-mail account and has a personal computer or web TV or mobile phone (e.g., WAP phone, cellular phone, PCS phone, PDA) capable of connecting to the communication network 20 by wire and / or wirelessly. Phone, etc.).

The communication network 20 consists of the Internet and / or a mobile communication network. If the remitter side terminal 10 is a wired telephone, the communication network 20 becomes a public switched telephone network (PSTN). In the present invention, it is preferable to configure the remitting-side terminal 10 as a device capable of receiving a short message and / or an e-mail.

The database 30 provides remittance information related to foreign currency remittance through a remittance-only account linking the remitter and the payee one-to-one (for example, the name and resident registration number and contact number of the remitter and the remittance-only account and the remittance-only account linked to the remittance account). The name, the recipient's bank account number, etc.), and the remittance currency. In addition, the database 30 stores the remitter's mobile phone number and / or the remitter's e-mail, etc. to notify the remittance processing result details (for example, the reason for the remittance is impossible, the remittance processing result). Recipient means a person who lives abroad (overseas).

The foreign currency remittance service server 40 monitors whether the remittance amount is transferred to the remittance-only account. The foreign currency remittance service server 40 remits the remittance amount (remittance amount) to the bank account of the corresponding recipient linked to the remittance-only account, as the remittance payment to the remittance-only account is confirmed. The foreign currency remittance service server 40 applies a foreign currency (for example, a dollar) by applying a foreign exchange rate notified at the time of remittance of a balance (KRW) deducting a remittance fee from a remittance amount (KRW) deposited in a remittance-only account during international remittance. , Yen, yuan, etc.). Therefore, when the remittance is remitted to the recipient's bank account, there is no balance of the corresponding remittance-only account.

The foreign currency remittance service server 40 changes the remittance processing time according to the deposit time. Table 1 below shows the remittance processing time according to the deposit time.

Table 1

           Deposit time             Remittance processing  09:00 to 18:00 (bank business days)  Send money immediately after deposit  18:00 to 24:00 (bank business days) Saturdays, Sundays and public holidays  Remittance after 09:00 of the next business day  0:00 to 9:00 (bank business days)  Remittance after 09:00 on the day

The foreign currency remittance service server 40 may set the limit of the overseas remittance amount differently according to the target transaction (for example, gift transfer, foreign student / overseas expenses remittance, foreign worker compensation remittance, etc.).

Although the database 30 and the foreign currency remittance service server 40 are separately shown in FIG. 1, the database 30 may be included in the foreign currency remittance service server 40.

2 is a diagram illustrating an internal configuration of a foreign currency remittance service server and a database of FIG. 1.

The database 30 includes a remitter information database 32, a payee information database 34, a remittance information database 36, and a remittance result information database 38.

The remitter information database 32 includes remitter's personal information (e.g. name, resident registration number, address, contact number (mobile phone number, e-mail address)) and information of a remittance-only account assigned to the remitter (e.g., a remittance-only account is opened). Saved bank and remittance-only account number).

The payee information database 34 includes information about the payee's personal information (for example, an identification number that can be identified with another person such as name, address, social security number, etc.) and information of an overseas bank account assigned to the payee (ie, an overseas bank account is opened). Saved banks and overseas bank account numbers).

The remittance information database 36 stores remittance information including one-to-one matching information between the remitter and the recipient via the remittance-only account.

The remittance result information database 38 stores remittance processing result details (for example, reasons for remittance, remittance result) for each remitter.

Here, the recipient's bank account linked to the remittance-only account is one. When a remitter sends money to a plurality of recipients, a plurality of remittance accounts may be opened.

If the information of the remitter information database 32 and the recipient information database 34 shown in FIG. 2 are properly input to the remittance information database 36, the database 30 is transferred to the remittance information database 36 and the remittance result information database. It can also comprise only (38).

The foreign currency remittance service server 40 includes a remittance-only account monitoring unit 42, a mail server 44, a central processing unit 46, and a remittance processing unit 48.

The remittance-only account monitoring unit 42 monitors in real time whether or not the transfer of money to the remittance-only account.

The mail server 44 converts the remittance processing result stored in the remittance result information database 38 into a short message or e-mail as the remittance amount is transferred to the recipient's bank account (oversea bank account) linked to the remittance-only account. To the remittance side terminal 10. For example, when the mail server 44 is instructed to convert the short message into the short message by the central processing unit 46, the mail transfer result is converted into a short message. When the mail server 44 is instructed to convert to the electronic mail from the central processing unit 46, the mail server 44 converts the details of the remittance processing result into the form of the electronic mail and sends it. Of course, if the mail server 44 is instructed to convert the short message and the e-mail together from the central processing unit 46, the mail server 44 converts each of the two types and sends them. The mail server 44 transmits the short message and / or the electronic mail based on the destination information from the central processing unit 46 (i.e., the mobile phone number and / or the email address of the remitting side terminal 10).

The central processing unit 46 controls the transfer of money to the remittance-only account by the remittance-only account monitoring unit 42 so that overseas remittance to the account of the corresponding recipient linked to the remittance-only account is performed.

The money transfer processing unit 48 operates by an instruction from the central processing unit 46. The remittance processing unit 48 transfers the remittance amount transferred to the remittance-only account to the relevant payee's account overseas. The remittance processing unit 48 applies the balance (KRW) deducting the remittance fee from the remittance amount (KRW) transferred to the remittance-only account when sending money overseas, by applying the exchange rate notified at the time of remittance, for example, a foreign currency (for example, a dollar or a yen). , Yuan, etc.). The remittance processing unit 48 sends the remittance processing result to the central processing unit 46. Here, the remittance processing result means a remittance result including a remittance result including a normal remittance details or a remittance inability including a remittance inability to be remitted.

Next, a foreign currency transfer service method according to an embodiment of the present invention will be described with reference to the flowchart of FIG. 3.

The foreign currency remittance service of the present invention can be used only by customers who have previously applied for an international remittance service using a remittance-only account. First, the application for overseas remittance service using a remittance-only account will be described.

A customer visits a branch (bank) and fills out an application to use an international remittance service using a remittance-only account. After submitting the completed application, after confirming the real name and registering the contract for using the service, the customer is given a single remittance account. At this time, the customer writes the remittance information when the application is written. For example, the remittance information may include information about the sender (ie, the customer completing the application) (e.g. name, social security number, address, contact number (cell phone number, e-mail information)), information about the recipient (e.g., name, There may be an identification number that can be identified with another person, such as an address and a social security number, the recipient's overseas bank (payment bank) and the account number of the foreign bank, etc.), remittance currency, and remittance purpose.

In this way, a customer subscription can be made using the international remittance service using a remittance-only account. In the above description, the customer directly visits the bank and subscribes, but if necessary, it is possible to register without visiting the bank by using the remittance side terminal 10. Incidentally, if necessary, the transfer limit may be registered in accordance with the target transaction (eg, remittance of gifted women, remittance of international students / staying expenses, remuneration of foreign workers). You can also register a return account for remittances in case of remittance.

The foreign currency remittance service server 40 stores the remittance information of the registered customer in the database 30. That is, the central processing unit 46 is the remitter's personal information (for example, name, resident registration number, address, contact number (mobile phone number, e-mail information) and the information of the remittance-only account assigned to the remitter among the input remittance information (for example, The bank in which the remittance-only account is opened and the remittance-only account number are stored in the remitter information database 32. The central processing unit 46 is capable of identifying with the other person such as the recipient's personal information (for example, name, address and social security number). Identification number, etc.) and information of the recipient's overseas bank account (e.g., the bank in which the overseas bank account is opened and the overseas bank account number, etc.) are stored in the recipient information database 34. The central processing unit 46 sends the input money. The information is stored in the remittance information database 36 in the form of a lookup table so that the information can be matched one-to-one between the remitter and the payee through the remittance-only account. The one-to-one matching information between the remitter and the recipient stored in the database 36 is matched with the information of the remitter and the recipient, for example, based on the remittance-only account. The name and social security number of the remitter who opened the account are linked to the name of the payee linked to the remittance-only account and the bank account number of the payee, etc. Of course, the one-to-one matching information between the sender and the payee is based on the sender's name. The remittance-only account and the recipient's information linked to the remittance-only account may be matched, etc. The recipient's foreign bank account associated with each remittance-only account is one.

In this way, a customer subscription to use an overseas remittance service using a remittance-only account is made, and after storing the information in the database 30, an international remittance service to be implemented in the present invention is performed. The following describes the overseas remittance service process.

The customer deposits a predetermined amount of remittance into his own transfer-only account (S10). Here, the transfer of money transfer (money transfer) is a bank teller and Internet banking (account transfer), which can be referred to as a conventional incoming payment channel, an automated device of bank (deposit / account transfer), and another currency exchange (internet, automated device, window transaction). Through).

Accordingly, the central processing unit 46 in the foreign currency remittance service server 40 prepares to start the overseas remittance service for the customer. That is, the central processing unit 46 instructs the remittance-only account monitoring unit 42 to check whether the remittance amount is deposited in the customer's remittance-only account. The remittance-only account monitoring unit 42 monitors whether a remittance amount is deposited in the remittance-only account by a check command from the central processing unit 46. As a result, when it is checked that a predetermined amount of money has been deposited in the transfer-only account, the transfer-only account monitoring unit 42 sends a corresponding signal to the central processing unit 46.

Subsequently, the central processing unit 46 reads remittance information of the corresponding customer previously stored in the database 30 and checks the remittance requirements of the corresponding customer (for example, a remittance limit, remittance purpose, designated bank, etc.) (S14). .

If it is determined that remittance is possible (“Yes” in S16), the central processing unit 46 determines the foreign currency remittance amount by applying the exchange rate notified on the day after deducting a fee from the remittance amount deposited in the relevant remittance account. (S18). The remittance processing unit 48 remits the confirmed foreign currency remittance amount to the overseas bank account of the recipient linked to the remittance-only account (S20). At this time, when remittance is not possible due to exchange rate inventory and computer error, retransmission is automatically processed. If the transfer amount (remittance amount) deposited in the transfer-only account is transferred to the recipient's overseas bank account, there will be no balance of the transfer-only account. The remittance processing unit 48 sends the remittance processing result to the central processing unit 46. Of course, when remittance is not possible due to the exchange rate inventory and computational errors as mentioned above, the retransmission process is automatically performed. However, in the case where automatic retransmission has been performed several times but the remittance does not occur, the remittance processing unit 48 informs the central processing unit 46 of this fact. Then, the central processing unit 46 determines the current state as a non-remittance state and transmits the reason for the non-remittance to the terminal 10 of the corresponding customer through the mail server 44 as a short message or e-mail. The remittance amount (remittance amount) is returned.

Thereafter, the central processing unit 46 stores the remittance processing result in the remittance result information database 38. In addition, the central processing unit 46 sends the details of the overseas remittance process and the contact number (for example, a mobile phone number and / or an e-mail address) to notify the corresponding customer of the details of the overseas remittance process through the corresponding remittance-only account. Is sent to the mail server 44. The mail server 44 converts the received foreign money transfer details into a short message or e-mail and transmits it to the corresponding terminal 10 of the customer (S22). Here, the short message or e-mail for notifying the details of the remittance process includes the remittance date, the remittance foreign currency, the applicable exchange rate, the remittance number, the payee, the remittance amount, and the fee.

On the other hand, if the transfer is not possible in the above-described S16 (for example, incomplete transfer requirements), the reason for the remittance is transmitted to the terminal 10 of the customer in the form of a short message or e-mail (S24).

The present invention is not limited only to the above-described embodiments, but may be modified and modified without departing from the scope of the present invention, and the technical spirit to which such modifications and variations are applied should also be regarded as belonging to the following claims. . For example, in the above description, it is assumed that a customer deposits a remittance amount with a foreign currency remittance request from the beginning. However, the customer may present the remittance amount to be remitted and make a deposit after determining whether the remittance is possible.

As described in detail above, according to the present invention, when the remittance amount is remitted to the remittance-only account, the remittance transaction is automatically remitted overseas according to the registered information, thereby increasing the convenience of remittance transaction.

By automatically notifying the customer by short message or e-mail, the remitter can quickly check the remittance process without visiting the bank.

Compared with the bank transfer method, the window use method must submit an application for every remittance. However, the present invention requires only an initial registration procedure. Foreign remittances for foreign workers or senior citizens residing in Korea will be very convenient. The window can be remitted only within the bank business hours and waiting time when crowded, but according to the present invention there is no restriction on the remittance time, it is also possible after the bank business hours or holiday remittance. In addition to the bank, other banks, automated devices, Internet banking, etc., by using the electronic banking to transfer the amount of remittance (remittance) to the remittance-only account, the remittance is processed, so that the current and other customers can also use conveniently.

Compared to the Internet remittance method, Internet remittance can be used only by customers who have subscribed to the Internet banking of a specific bank, but the present invention can be used by anyone, including other customers. In the present invention, the remittance procedure is very simple since the remittance is sent to the recipient linked to the remittance-only account only by depositing the remittance in the remittance-only account.

Compared with the reservation transfer method, since the reservation transfer retransmits the same amount on a specified date, it is not easy to change the remittance cycle and the remittance amount, but the present invention can freely set the remittance date and the remittance amount and respond flexibly to exchange rate fluctuations. Saving money can be saved. The reservation transfer can be used only in banks having remittance accounts, but the present invention has the convenience of being available to other customers as well as our customers.

According to the present invention, it is possible to deposit a remittance-only account and an automatic overseas remittance using a foreign currency to help increase performance and attract customers.

Claims (4)

A system for remitting foreign currency to a recipient's overseas bank account. A remitter-only account of a remitter opened only for remittance of foreign currency to the foreign bank account of the one recipient; A database for storing information of the remitter's remittance account and information of the remitter's overseas bank account connected one-to-one to the remitter's remittance account; And A remittance-only account monitoring unit that monitors the remittance of the remittance amount to the remittance-only account and the remittance account based on the information stored in the database whenever a predetermined remittance of the remittance to the remittance-only account is confirmed by the remittance-only account monitoring unit. A foreign currency remittance service server having a central processing unit for controlling an overseas remittance of a remittee to an overseas bank account, and a remittance processing unit for remitting the remitted money amount to a foreign bank account of a corresponding recipient by a control from the central processing unit. Foreign currency remittance service system comprising a. The method according to claim 1, The central processing unit determines a remittance currency, exchange rate, and fee, and the foreign currency remittance service system to determine the foreign currency remittance amount by converting the balance obtained by subtracting the fee from the remittance amount transferred to the remittance-only account according to the remittance currency and the exchange rate. . The method according to claim 1 or 2, The balance of the remittance-only account before the remitter deposits the remittance amount into the remittance-only account and after the remittance processing unit remits the remittee's foreign bank account is zero. As a method of remitting the transfer amount of the remitter to the remittance-only account from the foreign currency remittance service server to the recipient's overseas bank account, A monitoring step of monitoring whether a remittance amount is transferred to the remittance-only account linked to the recipient's foreign bank account one-to-one; A determination step of determining whether overseas remittance is possible on the basis of remittance information previously stored in a database each time a predetermined remittance payment to the remittance-only account is confirmed; And And a foreign currency remittance step of remitting the remittance to an overseas bank account of a recipient linked to the remittance-only account if it is determined that the remittance is possible.

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