KR101027542B1 - System for Providing Preferential Treatment Service of Joint Money Changing - Google Patents

Abstract

According to the present invention, after performing the exchange process according to the exchange request of the client on the Internet through the exchange preferential condition post-processing system, a specific date (for example, the exchange application deadline date selected (or input) by the exchange request client), or Thereafter, a predetermined exchange preferential condition is provided corresponding to the total exchange request amount of the plurality of clients who have selected (or input) the specific date.

The preferential currency exchange post-processing system may include: a client terminal transmitting predetermined exchange request information and at least one exchange selection deadline selection (or input) information to a currency exchange server through a wired or wireless communication network; A currency exchange server (or exchange terminal) for performing the exchange request processing by using the exchange request information transmitted from the client terminal; A storage medium storing the exchange processing history information and / or the exchange request information processed by the exchange server (or the exchange terminal) in association with the exchange recruitment deadline selection (or input) information transmitted by the client terminal; And after completion of the exchange of money exchange deadline business, check the total money exchange application amount applied from a plurality of clients until the deadline by interlocking with the storage medium, and calculating exchange preferential conditions corresponding to the confirmed total amount. And / or confirming, and providing a preferential exchange condition providing server (or terminal) for providing the exchange request client with an amount (and / or incentive such as mileage) corresponding to the exchange preferential condition.

As a result, in the exchange service, it may be provided with additional incentives at all times, and a lower exchange fee preferential rate may be applied. In addition, it is possible to increase profits and increase royalties of non-face-to-face channel trading customers by securing Internet exchange customers.

Preferential services

Description

System for Providing Preferential Treatment Service of Joint Money Changing}

1 is a view showing a schematic configuration of a preferred exchange preferential condition aftertreatment system according to the present invention.

Figure 2 is a simple flow diagram for the post-processing process of exchange preferential conditions according to a preferred embodiment of the present invention.

3 is a diagram illustrating a schematic configuration of an exchange preferential condition post-treatment system according to another exemplary embodiment of the present invention.

Figure 4 is a simple flow diagram for the post-processing process of exchange preferential conditions according to another preferred embodiment of the present invention.

5 is a diagram illustrating an example of an exchange request and exchange deadline selection page according to a preferred embodiment of the present invention.

6 is an exemplary diagram of exchange request information data according to a preferred embodiment of the present invention.

7 is a diagram illustrating exchange preferential condition information data according to a preferred embodiment of the present invention.

8 is an exemplary diagram of exchange / preferential exchange condition calculation / confirmation information data according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: exchange preferential service providing server 105: total exchange application amount confirmation unit

110: preferential condition check unit 115: preferential condition processing unit

120: exchange server (terminal) 125: interface unit

130: currency exchange processing unit 135: information storage unit

140: storage medium 145: client terminal

150: client

According to the present invention, when the Internet exchange request is performed, the exchange processing for the exchange request of the client is first performed, and afterwards, a predetermined deadline selected by the client or later, the total exchange request amount applied by a plurality of clients who have selected the deadline date. The present invention relates to a post-processing method and a system for exchanging preferential exchange conditions for providing exchange exchange preferential conditions corresponding to the client.

In general, exchange is when a customer goes out of the country (or vice versa), exchanges the won for the currency of the country (for example, dollars, yen, etc.). After carrying out a predetermined exchange procedure or carrying out a predetermined exchange procedure on the Internet, it is printed (printed) with proof (for example, details of the exchange process) and brought to the counter. It was common to receive it.

In these exchange services, each financial institution provides various additional services such as discounting exchange fees or free subscription to related insurance products in order to secure more exchange customers. However, the value-added services provided by each financial institution were not significantly differentiated, and basically the services that could be provided during the exchange process were mainstream.

Therefore, by looking for additional currency exchange services in addition to and / or periodically provided in addition to the service provided during the exchange process, a method for providing a specialized currency exchange service and securing the royalties of the trading customers needs to be devised. .

An object of the present invention is derived to solve the above problems, providing at least two exchange money amount recruitment deadline information to the exchange request client connected via a wired or wireless communication network, and from the exchange request client Receiving exchange request information and at least one or more deadline selection (or input) information from the deadline for recruiting a plurality of exchange money, using the received exchange request information, and performs the exchange request processing of the exchange request client, After the client's currency exchange processing, the total amount of money up to the confirmed deadline date is confirmed by confirming the total exchange request amount applied by a plurality of clients who have selected the deadline date until or after the deadline selected by the client. The amount of preferential exchange of money corresponding to Incentive mileage, etc.) to provide a method and system for providing a client application to provide the exchange.

In addition, another object of the present invention is to receive a predetermined exchange request information from the exchange request client connected via a wired or wireless communication network, and perform the exchange request processing of the exchange request client using the received exchange request information And after receiving the exchange money corresponding to the processing of the exchange of money by the client after a predetermined period of time after the exchange processing, a plurality of clients apply until the date of receipt of the exchange money of the client or a deadline for the exchange of money specified before the exchange money The present invention provides a method and system for checking a total exchange request amount and providing an amount (and / or incentive such as mileage) according to exchange preferential conditions corresponding to the identified total amount to the exchange request client.

It is still another object of the present invention to provide a computer-readable recording medium having recorded thereon a program for executing the above-described exchange preferential condition post-processing process.

According to the present invention, there is provided a method for processing exchange preferential conditions according to the present invention. An information providing step of providing at least two exchange rate recruitment closing date information, and receiving at least one or more deadline selection (or input) information of a predetermined exchange request information and a plurality of exchange rate recruitment deadlines from the exchange request client; An information exchange step, a currency exchange preprocessing step of performing a currency exchange request processing of the money exchange request client by using the received money exchange request information, and a deadline selected by the client after or after the money exchange process of the client; Multiple Claws with the Due Date selected by the Due Date Calculating and / or confirming the total amount of money for each deadline for confirming the total amount of money exchange requested by the client and the exchange rate preferentially corresponding to the total amount up to the confirmed deadline, and the amount corresponding to the preferential currency exchange condition (And / or incentives, such as mileage), characterized in that it comprises a currency exchange post-processing step of providing the exchange request client.

According to the present invention, the information on the deadline for recruiting the money exchange amount provided to the money exchange request client connected through the wired or wireless communication network is the deadline information specified for each month (eg, 7 days, 10 days, etc.). It may include.

Further, according to the present invention, the exchange request information provided from the exchange request client, the exchange request currency type information, the exchange request amount information, the account (or card) information for withdrawing the amount corresponding to the exchange request; Card (or account) information for receiving the amount of money corresponding to the exchange request, selection information of the kind of exchange preferential service to be provided at the time of the exchange request, exchange date information corresponding to the exchange request and / or exchange shop information, Account information of an account to which the exchanged amount is transferred in response to the exchange request, account holder information to which the exchanged amount is transferred, financial institution information corresponding to an account to which the exchanged amount is transferred, foreign entry or departure At least one airline information to be used may include.

Further, according to the present invention, the information receiving step to the exchange preprocessing step, the received deadline information corresponding to the client information and / or the client financial account information and / or the exchange request information and / or exchange request And storing the data in a predetermined storage medium in association with the currency exchange history information, wherein the storage medium includes the information (eg, client information and / or the client financial account information and / or the storage medium). Exchange request information and / or exchange processing history information corresponding to the exchange request) may be classified and stored by the deadline date.

Further, according to the present invention, the currency exchange preprocessing step may be configured to further include the step of transmitting the currency exchange history details information to the branch to the client to receive the exchange money.

In addition, the exchange pre-processing step, it is preferable to perform the exchange process by applying the preferential conditions that are different from the preferential conditions provided through the exchange preferential post-processing step during the exchange pre-processing.

In addition, according to the present invention, in the post-processing preferential exchange step, the exchange preferential conditions corresponding to the total amount up to the deadline date, the exchange request amount of the exchange request client, and / or the cumulative exchange of the client Preferably, preferential conditions are further added in correspondence with the exchange rate.

Further, according to the present invention, in the post-exchange processing step, providing the exchange request client with an amount corresponding to the exchange exchange preferential condition (and / or incentives, such as mileage), through the exchange pre-processing step It may include depositing the difference between the exchange fee applied at the time of processing and the exchange fee according to the application of the preferential exchange of money to the financial account of the client.

In addition, according to another preferred embodiment of the present invention, a method for processing exchange preferential conditions may include: an information receiving step of receiving predetermined exchange request information from an exchange request client connected through a wired or wireless communication network; A currency exchange preprocessing step of performing a currency exchange processing of the money exchange request client; and a receipt of a money exchange amount corresponding to the currency exchange processing of the client after a predetermined period of time after the currency exchange processing, Or calculating and / or confirming the total amount of money checking step for confirming the total amount of money exchange requested by a plurality of clients up to a predetermined exchange day before the date of exchange of money, and the exchange preferential conditions corresponding to the total amount of money confirmed; The amount (and / or mileage, etc.) corresponding to the exchange Incentives) can comprise a special treatment after exchange process comprising the steps of: providing to the client application exchange.

Here, the information receiving step may further include receiving at least one currency exchange recruitment closing date information from the currency exchange client.

In addition, the information receiving step to the exchange preprocessing step, the step of receiving at least one or more exchange money amount recruitment deadline information from the exchange request client and the received deadline information to the client information and / or the client financial account information And / or in association with the exchange request information and / or the exchange processing history information corresponding to the exchange request and storing the same in a predetermined storage medium.

In addition, the currency exchange preprocessing step may be configured to further include the step of transmitting the currency exchange processing history information to the branch to which the client receives the exchange money.

In addition, the currency exchange preprocessing step may include performing currency exchange processing by applying preferential conditions that are differentiated from preferential conditions provided through the exchange preferential after-treatment step.

Further, in the post-processing of the exchange preferential treatment, providing the exchange request client with an amount corresponding to the exchange exchange preferential condition (and / or incentives such as mileage) may be applied during the exchange process through the exchange preprocessing step. It may include depositing the difference between the fee and the exchange fee in accordance with the exchange preferential conditions to the client's financial account.

On the other hand, the present invention is characterized in that it comprises a recording medium, characterized in that the program for executing the above-described exchange preferential condition post-processing method is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a diagram showing a schematic configuration of a preferred exchange preferential condition aftertreatment system according to the present invention.

Referring to Figure 1, showing the functional components of the exchange preferential condition post-processing system according to a preferred embodiment, the illustrated exchange preferential condition post-processing system, the wire exchange or wireless communication network to the exchange server 120 The exchange request processing is performed using the client terminal 145 which transmits predetermined exchange request information and at least one exchange selection date selection (or input) information, and the exchange request information transmitted by the client terminal 145. A currency exchange server 120 (or a currency exchange terminal) and a currency exchange processing information and / or the exchange request information processed by the currency exchange server 120 (or currency exchange terminal) to be performed by the client terminal 145 Storage medium 140 for storing and processing in association with the recruitment deadline selection (or input) information and after the exchange recruitment deadline work, in conjunction with the storage medium 140, Check the total exchange request amount of money recruited from the plurality of clients 150 by the deadline date, calculate and / or confirm the exchange preferential conditions corresponding to the confirmed total amount, and the amount corresponding to the exchange preferential conditions ( And / or incentives, such as mileage, etc.) to the exchange request client 150, the exchange preferential condition providing server 100 (or terminal).

Preferably, the client terminal 145 interworking with the currency exchange server 120 via a wired or wireless network includes a wired terminal including a personal computer (PC), a mobile phone, a PDA, and a mobile Internet phone. A wireless terminal and at least one home appliance including a digital TV may be included.

Further, the exchange request information provided by the client terminal 145 to the exchange server 120 may be referred to FIG. 6 below. The information on the currency request currency type, the exchange request amount information, and the exchange request Account (or card) information for withdrawing the corresponding amount of money, card (or account) information for receiving the amount of money corresponding to the currency exchange request, selection information of the kind of exchange preferential service to be provided at the time of the currency exchange request, and the currency exchange request Exchange date information and / or currency exchange branch information corresponding to the account information of the account to which the money exchanged amount corresponding to the exchange request is transferred, account holder information to which the money exchanged amount is transferred, and the money exchanged amount At least one financial institution information corresponding to the account and the airline information used when entering or leaving the country is preferably included.

Preferably, the exchange server 120 (or exchange terminal) is the same server (or terminal) or the exchange preferential condition providing server 100 (or terminal), or the exchange preferential condition providing server 100 (or terminal) Can interoperate with.

Referring to FIG. 1, the exchange server 120 (or exchange terminal) may include an interface unit 125, a currency exchange unit 130, and an information storage unit 135.

Here, the interface unit 125 interworks with the client terminal 145 through a wired or wireless network and receives exchange request information from the client terminal 145.

Preferably, the exchange request information received by the interface unit 125 from the client terminal 145, the exchange request currency type information, the exchange request amount information, and an account for withdrawing the amount corresponding to the exchange request (or Card) information, card (or account) information for receiving an amount corresponding to the exchange request, information on selection of the preferential exchange service to be provided when the exchange request, exchange date information corresponding to the exchange request, and / or Exchange office information, account information of the account to which the exchanged amount is transferred in response to the exchange request, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred; At least one airline information may be used to enter or leave the country.

In addition, according to a preferred embodiment of the present invention, the interface unit 125 provides the client terminal 145 with at least two exchange rate recruitment closing date information that can be selected (or input) by the client 150 and In addition, the client terminal 145 may further receive the exchange amount recruitment deadline information selected (or input) by the client 150.

The exchange processing unit 130 of the exchange server 120 (or the terminal) is predetermined according to the exchange request of the client 150 based on the exchange request information of the client 150 provided from the client terminal 145. Characterized in that the exchange of money.

Here, the currency exchange processing unit 130 may transmit the money exchange processing history information to the branch to which the client 150 receives the money exchange amount, and also, in the case of money exchange processing, the money exchange provided during the post-processing treatment according to the present invention Exchange can be processed by applying a separate exchange preferential condition that is different from the preferential condition.

The information storage unit 135 of the exchange server 120 (or the terminal) exchanges the exchange request information and / or exchange processing history information of the client 150 after the exchange process is performed through the exchange process unit 130. And / or classify client information by the dead date selected (or input) by the client 150 and store the information in the storage medium 140.

In addition, referring to Figure 1, the preferred exchange exchange condition providing server 100 (or terminal) shown in order to implement the above-described function, the total exchange application amount confirmation unit 105, preferential condition confirmation unit 110 and preferential treatment It may be configured to include a condition processor 115.

Preferably, the total exchange request amount checking unit 105, the total exchange request amount of money requested by a plurality of clients until the date of exchange of money exchange received by the exchange request customer or the money exchange offer deadline specified before the exchange date received It is done.

Here, the specified exchange exchange deadline is the exchange exchange deadline selected by the client 150 when the exchange application (or input), or includes a currency exchange deadline specified by the exchange preferential condition providing server 100 (or terminal). can do.

The preferential exchange condition confirming unit 110 of the exchange exchange preferential condition providing server 100 (or the terminal) calculates and / or confirms the exchange exchange preferential condition corresponding to the total amount confirmed through the total exchange exchange amount confirming unit 105. Characterized in that.

Here, the exchange preferential condition is calculated by applying at least one or more variables substituted into the formula through a predetermined exchange preferential condition calculation formula, and / or the exchange preferential condition corresponding to a specific amount is stored in the storage medium 140. By storing, the preferential exchange conditions according to the amount can be confirmed from the storage medium 140.

The preferential condition processing unit 115 of the exchange preferential condition providing server 100 (or the terminal) corresponds to an amount (and / or mileage, etc.) corresponding to the exchange preferential condition confirmed (or calculated) through the preferential condition confirming unit 110. Incentives) to the exchange request client 150.

Here, the amount (and / or incentives such as mileage) provided to the exchange request customer in response to the exchange exchange preferential condition is applied during the exchange process through the exchange processing unit 130 of the exchange server 120 (or the terminal). Separate from the preferential conditions, characterized in that the preferential conditions additionally provided after the exchange.

In addition, according to the present invention, the exchange server 120 and / or the exchange preferential condition providing server 100 is composed of a single server, and / or a complex of a plurality of servers and / or terminals for executing each function In addition, the financial company server, card company server, VAN company server, mobile communication company server, characterized in that it comprises at least one server on the network.

Referring to FIG. 1, the illustrated storage medium 140 classifies the exchange processing history processed by the exchange server 120 (or the terminal) by the exchange exchange date selected (or input) by the corresponding currency exchange client 150. The storage medium 140 is located in the currency exchange server 120 (or terminal), and / or in the currency exchange providing server 100 (or terminal), and And / or the exchange server 120 (or the terminal) and the exchange preferential condition providing server 100 (or terminal) may be located on the network interworking.

In addition, the storage medium 140 may include a predetermined information data file for smoothly performing post-processing of exchange preferential conditions according to the present invention.

In more detail, the storage medium 140 exchanges exchange preferential condition information data for storing preferential exchange condition information provided corresponding to the total exchange request amount for each exchange exchange deadline specified by a predetermined cycle (7 days, 10 days, etc.) every month. Foreign exchange application information and exchange request information and / or currency exchange history information file that stores the first deadline and the exchange request customer information and exchange request The second deadline information data file for storing the information and / or the exchange processing history information, and the exchange request customer information and the exchange request information and / or the exchange processing history information that have selected the N-deadline. Deadline information data files may be provided.

With reference to FIGS. 6 to 8, more detailed descriptions of the information stored in the storage medium 140 will be described.

In addition, according to another preferred embodiment of the exchange preferential condition post-processing system shown, the client, the exchange preferential condition post-processing system, the client for transmitting the predetermined exchange request information to the exchange server 120 through a wired or wireless communication network A currency exchange server 120 (or a currency exchange terminal) for performing the exchange request processing using the terminal 145, the exchange request information transmitted from the client terminal 145, and the exchange server 120 (or a currency exchange) A storage medium 140 for storing the exchange information and / or the exchange request information processed by the terminal) in association with the client information (and / or client financial account) information, and the date of receipt or exchange of money of the client; Check the total amount of money requested by a plurality of clients up to the designated exchange date before the date of receipt of money, and respond to the total amount Calculates and / or confirms exchange exchange preferential conditions, and exchanges preferential exchange conditions for providing the client with the exchange request client an amount (and / or incentives such as mileage) corresponding to the exchange exchange preferential conditions in conjunction with the storage medium 140. It may be configured to include a provision server 100 (or a terminal).

Here, the exchange server 120 (or exchange terminal), the client terminal 145 may further receive at least one exchange price recruitment closing date information, the storage medium 140, the received deadline You can store more date information.

Figure 2 is a simple flow diagram for the post-processing process of exchange preferential conditions according to a preferred embodiment of the present invention.

Figure 2 is for a preferred embodiment in which the exchange preferential condition post-processing process according to the present invention is carried out on the exchange preferential condition post-processing system of Figure 1 described above, the exchange preferential condition post-processing system is a currency exchange server 120 (or Terminal) and the exchange preferential condition providing server 100 is characterized in that the exchange preferential condition post-processing process in conjunction with the storage medium 140 is carried out.

Referring to Figure 2, the preferred exchange preferential condition post-processing described, by setting the exchange preferential conditions corresponding to a predetermined exchange request amount in the exchange server 120 and / or the exchange preferential condition providing server 100 on the network It may be started from the process of storing in the predetermined storage medium 140 (200).

When a currency exchange client 150 requests a currency exchange by connecting to the currency exchange server 120 (or a terminal) through a wired or wireless network using a predetermined terminal (205), the exchange server 120 (or terminal) According to the present invention, the interface unit 125 provides the exchange request client 150 with at least two exchange rate recruitment closing date information (210).

In addition, the interface unit 125 of the exchange server 120 (or the terminal) recruits exchange request information and at least one exchange amount selected or input by the client 150 from the exchange requesting client terminal 145. Receive deadline information (215).

Referring to Figure 5 below, when the client terminal 145 is connected to the exchange server 120 (or terminal), the selection (or input) of the exchange request information and the exchange amount recruitment deadline information according to the present invention It shows a predetermined interface screen for.

In addition, the exchange processing unit 130 of the exchange server 120 (or the terminal) refers to the exchange request information received from the exchange request client 150, and performs the exchange process 220, the exchange server 120 (Or terminal) information storage unit 135 stores the exchange processing history corresponding to the exchange processing performed by the exchange processing unit 130 with reference to the exchange price recruitment deadline information provided by the client 150 Classified and stored in the medium 140 (225).

Then, the total exchange request amount check unit 105 of the exchange exchange preferential condition providing server 100 in conjunction with the storage medium 140, a specific deadline (eg, 10 days, 20 days, etc.) to which a predetermined exchange exchange condition is applied ) Periodically checks (230), and if a certain deadline to which a certain exchange preferential conditions can be applied according to the present invention (235), a plurality of clients classified in correspondence with the identified deadline from the storage medium 140 (150) to check the total amount of money exchange request applied (240).

In addition, the preferential condition checking unit 110 of the exchange exchange preferential condition providing server 100 corresponds to the total exchange request amount confirmed through the total exchange request amount checking unit 105 in association with the storage medium 140. Calculate (or confirm) the preferential exchange conditions.

In addition, the preferential condition processing unit 115 of the exchange preferential condition providing server 100 corresponds to the exchange preferential condition calculated (or confirmed) through the preferential condition confirming unit 110 according to the present invention. Calculate (or confirm) an amount (and / or incentive) to provide to 150.

At this time, the preferential condition processing unit 115 of the exchange exchange preferential condition providing server 100 checks the accumulated exchange record and / or exchange request amount of the exchange request client 150, and the exchange request client 150. Additional preferential conditions to be provided to the applicant can be identified (255).

If there is no additional preferential condition to be provided to the exchange request client 150 (260), the preferential condition processing unit 115 of the exchange preferential condition providing server 100 is calculated amount corresponding to the exchange preferential condition (and And / or incentives) to the client 150 (265).

On the other hand, if there are additional preferential conditions to be provided to the exchange request client 150 as a result of confirming the cumulative exchange rate and / or exchange request amount of the exchange request client 150 (270), the exchange exchange preferential condition is provided The preferential condition processing unit 115 of the server 100 may further provide the preferential exchange condition to the exchange request client 150 by further including an additional preferential condition in the amount (and / or incentive) calculated according to the exchange preferential condition (275). ).

According to a preferred embodiment, the exchange fee applied during the exchange process of the exchange processing unit 130 in providing the exchange request client 150 with an amount (and / or incentive such as mileage) corresponding to the exchange exchange preferential condition And depositing the difference in the exchange fee according to the exchange preferential conditions into the financial account of the client 150.

3 is a diagram illustrating a schematic configuration of a system for exchanging preferential exchange conditions according to another exemplary embodiment of the present invention.

FIG. 3 shows the preferential exchange condition post-processing system of FIG. 1, wherein the function of the exchange server 120 (or the terminal) and the exchange preferential condition providing server 100 shown in FIG. As an integrated implementation, this figure refers to the integrated implemented server as a currency exchange server 120 (or a terminal), but the integrated implemented server may be referred to as a currency exchange preferential server.

Referring to FIG. 3, the illustrated currency exchange server 120 includes an interface unit 125 that receives predetermined exchange request information from an exchange request terminal (and / or a client terminal 145), and a currency exchange provided by the terminal. By using the application information, the exchange processing unit 130 for performing the exchange request processing, and the exchange processing history information and / or the exchange request information processed by the exchange processing unit 130 is stored in a predetermined storage medium 140 The total money exchange request amount confirming unit for confirming the total money exchange request amount requested by a plurality of customers until the information storage unit 135 and the money exchange money receipt date of the money exchange request customer or the money exchange offer deadline before the money exchange money receipt date ( 105), a preferential condition confirming unit 110 for calculating and / or confirming exchange preferential conditions corresponding to the confirmed total amount of money, and an amount (and / or incentives such as mileage) corresponding to the identified exchange preferential conditions;It can be done by having a preferential condition processing unit 115, which ever available to exchange application-based client.

Here, the interface unit 125 provides at least two exchange rate recruitment deadline information to the terminal, and selects (or inputs) at least one exchange offer deadline date among the plurality of exchange rate recruitment deadlines from the terminal. More information can be received.

In addition, the information storage unit 135, when receiving at least one or more exchange recruitment deadline selection (or input) information of the plurality of exchange rate recruitment closing date from the terminal, the information on the deadline to the storage medium You can store more at 140.

Preferably, the exchange date recruitment deadline information may be made, including the deadline information specified for each calendar month (7 days, 10 days, etc.),

In addition, the exchange request information, as described above, the exchange type currency type information, the exchange request amount information, the account (or card) information for withdrawal of the amount corresponding to the exchange request and the exchange request Card (or account) information for receiving money, selection information of the kind of exchange preferential service to be provided in the exchange request, exchange date information corresponding to the exchange request and / or exchange office information, and the exchange request At least account information of the account to which the exchanged amount is transferred, account holder information to which the exchanged amount is transferred, financial institution information corresponding to the account to which the exchanged amount is transferred, and airline information to be used when entering or leaving the country May contain one or more.

In addition, the exchange preferential conditions, it is specified that the preferential conditions may be further added in response to the exchange amount of the exchange request client 150, and / or the cumulative exchange performance of the exchange request client 150. .

In addition, the currency exchange server 120 is characterized by having a computer-readable recording medium, characterized in that for recording the program for executing at least one or more server functions described above.

Figure 4 is a simple flow diagram for the post-processing process of exchange preferential conditions according to another preferred embodiment of the present invention.

Figure 4 is a process of performing the exchange preferential condition post-processing according to another preferred method through the exchange preferential condition post-processing system of Figure 3 described above, referring to Figures 3 to 4, the exchange exchange shown Conditional post-processing is characterized in that the exchange server 120 of Figure 3 is implemented in conjunction with the storage medium 140.

Figure 4 sets the exchange preferential conditions corresponding to a predetermined exchange request amount in the exchange server 120 on the network and stores it in a predetermined storage medium 140 (400), the interface unit 125 of the exchange server 120 In operation 405, the exchange request information received from the exchange request client 150 connected through the wired or wireless network may be started.

Here, the interface unit 125 may further receive at least one exchange rate recruitment closing date information from the exchange request client terminal 145.

The exchange processing unit 130 of the exchange server 120 refers to the exchange request information received from the client terminal 145 by the interface unit 125 and performs a currency processing operation (410).

In addition, the information storage unit 135 of the exchange server 120 stores the exchange processing history in the storage medium 140 in association with the exchange request information and / or client information and / or client financial account information, etc. ( 415), the total exchange request amount check unit 105 of the exchange server 120 periodically checks the request for receiving the exchange amount and / or the date of receipt of the exchange amount (420), request to receive the exchange amount and / or exchange If the amount of money received date (425), in conjunction with the storage medium 140 confirms the total exchange request amount requested by the plurality of clients 150 by the request for exchange of money received and / or receipt of money exchange amount (430).

In addition, the preferential condition check unit 110 of the exchange server 120 interlocks with the storage medium 140 and exchanges preferential currency corresponding to the total exchange request amount confirmed through the total exchange request amount checking unit 105. Calculating (or confirming) a condition (435), the preferential condition processing unit 115 of the exchange server 120 is the amount corresponding to the exchange preferential conditions calculated (or confirmed) through the preferential condition check unit 110 ( And / or incentive) calculation (or confirmation) (440).

In addition, the preferential condition checking unit 110 of the exchange server 120 may provide the exchange request client 150 with reference to the cumulative exchange record and / or the exchange request amount of the exchange request client 150. If the preferential condition is checked (445), and if there are no additional preferential conditions to be provided to the exchange request client 150 (450), the preferential condition processing unit 115 of the exchange server 120 is in accordance with the exchange preferential conditions A correspondingly calculated amount (and / or incentive) is provided to the client 150 (455).

On the other hand, when the cumulative exchange rate of the exchange request client 150 and / or the exchange request amount is large (460), the preferential condition processing unit 115 of the exchange server 120 corresponds to the exchange exchange preferential condition In addition, an additional preferential condition may be further included in the calculated amount (and / or incentive) and provided to the exchange request client 150 (465).

As described above, in providing the exchange request client with an amount corresponding to the exchange exchange preferential condition (and / or incentives such as mileage), the exchange fee applied during the exchange process of the exchange processing unit 130 and the exchange preferential treatment It may include depositing the difference between the exchange fee according to the application of the conditions to the financial account of the client 150.

Figure 5 is a diagram illustrating a currency exchange application and the closing date of the selection page according to a preferred embodiment of the present invention.

Figure 5 shows the exchange server 120 and / or to the client 150 connected to the exchange server 120 and / or the exchange preferential condition providing server 100 in the post-processing of exchange preferential conditions according to the present invention It is for a predetermined interface page provided by the exchange exchange preferential condition providing server 100.

Referring to FIG. 5, the illustrated interface page is illustrated, including an input (or selection) field of exchange request information, and is provided with a selection (or input) field of a deadline for exchange according to the present invention.

6 is an exemplary diagram of exchange request information data according to a preferred embodiment of the present invention.

FIG. 6 is an exemplary view of data on exchange request information stored in a storage medium 140 provided to the exchange server 120 and / or the exchange preferential condition providing server 100 through the interface page of FIG. 5 described above. The exchange request information shown may include currency exchange type currency information, currency exchange amount information, account (or card) information for withdrawing money corresponding to the currency exchange request, and for receiving money corresponding to the currency exchange request. Card (or account) information, information on the type of exchange preferential service to be provided when the exchange request is made, information on the date of exchange and / or the exchange office corresponding to the exchange request, and the amount of money exchanged in response to the exchange request Account information of the account to be transferred, account holder information to which the exchanged amount is transferred, financial institution information corresponding to the account to which the exchanged amount is transferred, foreign entry or departure At least one airline information to be used may be included.

7 is a diagram illustrating exchange preferential condition information data according to a preferred embodiment of the present invention.

7 is for the exchange exchange preferential condition information stored in the storage medium 140 according to the present invention, the exchange exchange preferential condition information shown is divided by currency exchange currency type, and detailed classification corresponding to the range of the total amount of money by the corresponding currency exchange currency Thus, exchange preferential conditions (eg, exchange fee preferential treatment, mileage preferential treatment, point preferential treatment, etc.) may be stored.

8 is an exemplary diagram of exchange / preferential exchange condition calculation / confirmation information data according to a preferred embodiment of the present invention.

Through the total exchange request amount check unit 105 of the exchange server 120 and / or the exchange exchange preferential condition providing server 100, the total exchange amount of the plurality of clients 150 according to the specific exchange deadline of the corresponding currency exchange sum As an example of data, the total exchange amount of the plurality of clients 150 according to the specific exchange deadline date provides a basis for confirming (or calculating) a corresponding exchange preferential condition through the preferential condition confirming unit 110. do.

According to the present invention, by providing a method and system for preferential exchange of exchange conditions, the customer has an advantage of being able to receive additional incentives at all times in the exchange service, and also has the advantage of applying a lower exchange fee preferential rate. have.

In addition, operators (financial institutions, etc.) have the advantage of increasing revenue by securing Internet exchange customers, and also has the advantage of increasing the royalties of non-face-to-face channel trading customers.

In addition, it is possible to enhance the competitiveness of the current Internet currency exchange by improving the low fee preferential rate compared to other internet exchanges.

Claims (5)

After receiving predetermined exchange request information from a plurality of client terminals applying for a predetermined exchange exchange preferential service having a prescribed exchange exchange deadline at a predetermined period of time, the exchange request client using the exchange request information requested by the plurality of clients A currency exchange server (or a currency exchange terminal) for processing the exchange request of the client and receiving the common exchange preferential service type selection information from a plurality of client terminals applying for the common exchange preferential service; A storage medium storing the exchange processing history information processed by the exchange server (or exchange terminal) or exchange request information (or exchange request amount information) applied by the plurality of clients in association with the client information and client account information; And In connection with the storage medium (or the storage medium operating means), the total exchange request amount requested by a plurality of clients until the specified exchange exchange deadline is confirmed, and the exchange preferential condition corresponding to the confirmed total exchange request amount is calculated. Alternatively, after confirming, the calculated or confirmed exchange exchange preferential conditions are provided to clients who have applied for currency exchange by the designated exchange exchange deadline, but the client who selects a preferential exchange type of joint exchange as the preferential amount is stored in the storage medium. It characterized in that it comprises a; exchange preferential conditions providing server (or terminal) to be processed to be deposited into the client account, The exchange request information, Currency type information, currency exchange amount information, account (or card) information for withdrawing money corresponding to the currency exchange request, card (or account) information for receiving currency exchange money corresponding to the currency exchange request; Money exchange withdrawal date information and withdrawal branch information corresponding to the currency exchange request, account information of an account with which currency exchanged in response to the currency exchange transfer, account holder information with which the exchanged currency is transferred, and the exchanged A system for providing preferential exchange services for joint exchanges, comprising at least one financial institution information corresponding to an account to which currency is transferred, and at least one airline information used when entering or leaving the country. delete delete delete delete

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