KR101789444B1 - Overseas Remittance Method using the Fund Management based on the Arbitrage Trading and Recording thereof - Google Patents

Abstract

The present invention relates to a method and apparatus for connecting an administrator server on a network in a user server provided to connect with a manager server managing a remittance processing service provided by a user in a wired / (OC-1) which sends money to the receiver (BC-2) of the second station (N-2) from the first station (N-1) The manager server transmits the money to the first station N-1 when the remitter OC-2 that sends money to the receiver BM-1 of the first station N-1 remits from each user server, (OC-1) of the second station (N-2) to the receiver (BC-1) of the first station (N-1) N-2) to said receiver (BC-2); If the remitter OC-1 or OC-2 or the receiver BM-1 or BC-2 does not exist in the remittance process, the manager server does not include the sender OC-1, OC- 2) or a virtual remitter or a virtual remitter corresponding to the receiver (BC-1, BC-2) and processing the remittance process.
According to the present invention, when there is no counterpart in the process of remitting money between the local station and another country, it can be effectively solved. In case of unbalance in the management account or virtual account in the process of remittance, Can effectively distribute profits to the public.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an overseas remittance method using an arbitrage-based money management,

The present invention relates to a foreign remittance method and a recording medium thereof, and more particularly, to a remittance method and a recording medium thereof, in which a structure is improved so that remittances are required to be complemented and supplemented between countries.

The whole world is now a PinTech craze. The huge changes triggered by the development of IT technology are waving the conservative financial industry. FinTech FinTech services, which are a full-fledged combination of IT technology, are changing our everyday and financial lives little by little. These FinTech services cover a wide range of areas including remittance, settlement, crowdfunding, microcredit, asset management and social investment and insurance.

The first thing to pay attention to is PinTech, a service that changes the existing banking system. In addition to Empe's successful mobile payment service in Kenya, Africa, which has a poor financial infrastructure, TransferWise has emerged as a new method of overseas remittance, Bank Wallet Cacao, which will be the barometer of domestic Pin Tech success, , 'Toss', and virtual money bit coin, which is gaining popularity as a means of payment and payment, are now being used. We also emphasized that payment processing needs to differentiate between payment and settlement, by sorting out the '00 Pay 'series (?), Which is generated like an appetite between online and offline, from app card and mobile card to Apple Pay and Samsung Pay. do.

The development of the PinTech industry has brought about changes in existing financial life practices such as investment, loans, asset management, and insurance. Crowd funding is a new form of investment that the public is making together, and it is a hope for start-ups and one-man companies. Person-to-person (P2P) loans that link individuals and businesses who want to borrow money online, small businesses, or pennies are emerging as a new alternative to small loans. Asset management and social investments based on Big Data analysis are also a new area of pin technology. Insurance also offers discriminatory insurance services in combination with the Internet of things.

It is desirable that such PINTECH can be made more effective in case of overseas remittance.

[Related literature]

Publication No. 10-2010-0077302 (July 30, 2010) Method of operating group remittance service and recording medium therefor

Publication No. 10-2010-0077299 (2010.07.08.) Method and system for overseas remittance and recording medium for the same

It is an object of the present invention to provide an overseas remittance method which can effectively solve a case where there is no counterpart in the process of remitting money between a local station and another station.

Another object of the present invention is to provide an overseas remittance method capable of solving such an unbalance in a virtual account or a management account in the process of remitting money and efficiently distributing profits to an investor.

An object of the present invention is to provide a method for remotely remotely connected to an Internet network among a plurality of countries, the method comprising the steps of: sending a request for remittance to a user server connected to an administrator server Connecting the administrator server over a network; (OC-1) which sends money to the receiver (BC-2) of the second station (N-2) from the first station (N-1) The manager server transmits the money to the first station N-1 when the remitter OC-2 that sends money to the receiver BM-1 of the first station N-1 remits from each user server, (OC-1) of the second station (N-2) to the receiver (BC-1) of the first station (N-1) N-2) to said receiver (BC-2); If the remitter OC-1 or OC-2 or the receiver BM-1 or BC-2 does not exist in the remittance process, the manager server does not include the sender OC-1, OC- 2) or a virtual remitter or a virtual remitter corresponding to the receiver (BC-1, BC-2) and processing the remittance process. .

Also, the manager server manages the deposit and withdrawal including remittance from the first station (N-1) and from the first virtual account (AC-1) managing the deposit and withdrawal including remittance from the second station And the virtual account balance of the first virtual account AC-1 and the second virtual account AC-2 is less than the set target set amount by allocating the second virtual account AC- And a supplemental process of supplementing the target amount to be the target set amount.

In addition, the supplementary step may be performed such that the manager server determines the evaluation value of the investment means including the bit coin and the stock between the first station (N-1) and the second station (N-2) (BCT-1, BCT-2) to be used for carrying out the arbitration transaction of the investment means, the arbitration transaction is realized in the arbitration transaction account (BCT-1 BCT-2) -1, AC-2) in the virtual account balance.

The manager server processes the investment amount of the investor who is connected to the manager server to utilize the investment money of the investor as the investment fund of the investment means, It is desirable to distribute a portion of the fees incurred in connection with the overseas remittance to the investor.

The object of the present invention is also achieved by a computer-readable recording medium on which a program including an overseas remittance method is recorded.

According to the present invention, it is possible to provide an overseas remittance method that can effectively solve the case where there is no counterpart in the process of remitting money between the local station and another station.

In addition, if the imbalance occurs in the process of remittance, it is possible to provide continuous and stable transactions, and provide an overseas remittance method that can efficiently distribute profits to investors.

1 is a conceptual diagram for explaining a method for remitting money abroad according to an embodiment of the present invention;
FIG. 2 is a flow chart for explaining the method of FIG. 1,
3 is a conceptual diagram showing an example of the prior art.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings. &Quot; and / or "include each and every combination of one or more of the mentioned items. ≪ RTI ID = 0.0 >

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

Hereinafter, with reference to the accompanying drawings, an overseas remittance method and a recording medium thereof (hereinafter referred to as "remittance method") according to an embodiment of the present invention will be described in detail with reference to FIG. 1 to FIG. 3 .

FIG. 1 is a conceptual diagram for explaining a method for remitting money according to an embodiment of the present invention, FIG. 2 is a flowchart for explaining the method of FIG. 1, and FIG. 3 is a conceptual diagram showing an example of a prior art.

For convenience of explanation, the present invention will be described below with reference to a management server of a manager who manages and manages a remittance method performed in a plurality of or a plurality of countries through a wired / wireless Internet, A user who is connected to the manager server through a wired or wireless Internet connection is provided with a server. The user server includes a wired / wireless Internet communication means such as a computer or a smart phone. In FIG. 1, arrows such as solid lines and dotted lines indicate that they can be interconnected or connected to each other on the Internet, 'manager' means an administrator server, and each user server is displayed in a square (OC-1, BC- 2, BC-2, 1 investor, 2 investor, etc.). In the present invention, a user connects or connects to a user server including a computer, a smart phone, and the like, and is connected or connected to an administrator server through a wired or wireless Internet network, and utilizes the remittance method according to the present invention, It means the state that can input.

 The manager server creates, processes, manages, and manages a large-scale computer function such as mutual connection, processing, calculation, storage, allocation, and distribution of the remitter, receiver, investor, arbitrage account, To handle all known jobs that handle typical international remittances except for the characteristic parts of the present invention. Therefore, the manager server and the user server will not be described in detail, and only the processing procedure characteristic of the present invention will be described.

In addition, the sender, the receiver, the investor, and the like can connect or access the manager server from the user's computer. The arbiter transaction and the virtual account can be included in the manager server and can communicate with the manager server, The present invention is not limited thereto.

therefore. Hereinafter, the connection and connection between the administrator server and the user server, and the functions and capabilities of the respective servers will be specifically described.

3, the sender OC-1 (Offer Customer - 1) transfers 800 euros from the second station N-2 to the first station N-1, as shown in the upper part of FIG. (BC-2), a payment of Rs. 63,200 corresponding to 800 euros will be made to the account of the recipient of the second country (BC-2). In this process, The fee will be € 5. On the other hand, when money is transferred from the second station N-2 to the receiver BC-1 receiving the money of the first station 64,000 rupees from the sender OC-2, the first station N- (BC-1) will receive 790 euros, corresponding to 64,000 rupees, and the transfer fee will be 400 rupees. In other words, when the currency unit is different from each other, the commission fee and the remittance fee are incurred in the transactions of the respective countries, so that a large fee is incurred in the remittance, so that both the remitter and the receiver are burdened with the commission.

Here, an example of a remittance method improving the remittance method between overseas countries is shown in the lower part of FIG. In this case, the administrator managing the remittance method between the countries sends the remitter OC-1 of the first country to the remitter BC-2 of the second country and the remitter OC- 1) and the receiver (BC-1) of the first station N-1 to the receiver (BC-1) of the first station (N-1) (Hereinafter, referred to as the "calming technique") to generate and send a transaction between the sender (OC-2) and the receiver (BC-2) of the second station (N-2).

That is, since the sender OC-1 in the first station N-1 is a transaction in the country using the same currency unit for the receiver BC-1 of the first station N-1, It is possible to remarkably reduce the commission for remittance of commissions according to the present invention. Since the present invention is based on such a foreign remittance method, it is needless to say that the description of the ordinary remittance method may be omitted.

In this case, the commission at the first station (N-1) is only 1 euro and the commission at the second station (N-2) is only 80 rupees, so the commission is 20% . In this case, the commission due to the exchange does not occur, so that it can be seen that the overall commission is drastically reduced when the exchange commission and the transfer commission are taken into consideration.

Here, the first and second countries may be classified by the countries which are recognized as internationally or may be groups of countries which use the same currency unit.

On the other hand, in the manager server managing the remittance method of the present invention, the arbitration transaction is performed between the first station (N-1) and the second station (N-2) (BCT-1, BCT-2) and conduct arbitrage trading. In other words, for example, arbitrage trading, which is a risk-free profit transaction technique that uses the difference between futures price and spot price in the stock index futures market, is a program that is allocated to manage the arbitrage trading account (BCT-1, BCT-2) Is realized between the first station N-1 and the second station N-2 continuously (refer to 'arbitrage transaction' in FIG. 1).

For example, in a stock index futures market, when a temporary inconsistency occurs between the actual price of the stock index futures and the theoretical price calculated by adding the financial cost to the spot price, (For example, when the set value is higher than 2%, which is a set value higher than the set value in the server), the buyer gets a relatively lower priced one at the same time (for example, When the price relationship of the stock returns to normal, the risk-free return can be obtained as much as the reduction of the discrepancy.

These arbitrage transactions include various investment means such as stocks, bonds, etc., as well as a virtual currency (Cryptocurrency) which is a virtual encrypted currency including a bit coin.

In this situation, when transferring money between the first station (N-1) and the second station (N-2), there may be cases where there is no remitter or receiver within each country. It is desirable to be able to compensate for these deficiencies, and in order to solve these problems, the applicant has derived the present invention and explained it below.

To summarize, in the case of remittance in the ordinary case, the conventional refinancing technique is used, but if one of the balances is insufficient, the deficit is covered in the arbitrage trade balance. Arbitrage accounts usually carry arbitrage transactions, but if the balance of the overseas remittance account becomes insufficient, it is desirable to temporarily lend funds back to the account. In this case, a virtual currency including a bit coin may be used when it is necessary to lend money, for example, to profit.

In addition, arbitrage accounts (BCT-1, BCT-2) usually attract investment, and investors can distribute profits from arbitrage transactions and overseas remittance methods.

As shown in FIGS. 1 and 2, a remittance method according to the present invention is a remittance method in which a plurality of countries are connected on the Internet network, and a user who manages remittance processing tasks Connecting the administrator server on a network from a user server connected to the server; (OC-1) which sends money to the receiver (BC-2) of the second station (N-2) from the first station (N-1) The manager server transmits the money to the first station N-1 when the remitter OC-2 that sends money to the receiver BM-1 of the first station N-1 remits from each user server, (OC-1) of the second station (N-2) to the receiver (BC-1) of the first station (N-1) N-2) to said receiver (BC-2); If the remitter OC-1 or OC-2 or the receiver BM-1 or BC-2 does not exist in the remittance process, the manager server does not include the sender OC-1, OC- 2) or a virtual remitter or a virtual remitter corresponding to the receiver (BC-1, BC-2) and processing the remittance process.

2, in the remittance method according to an exemplary embodiment of the present invention, the manager server transmits a profit arbitration transaction to the first station N-1 and the second station N-2, (BCT-1, BCT-2) (S110).

Next, the manager server transmits the sender (OC-1, OC-2), remitter and / or receiver (BC-1, BC-2) of the first station (N- (S120). If there is no sender or the like, the manager server creates a virtual sender and / or a virtual receiver (S125).

Here, the account for realizing the arbitrage transaction is arbitrage trading account (BCT-1, BCT-2), and the account for managing deposit and withdrawal including foreign remittance is divided into virtual accounts (AC-1, AC-2) do.

Then, as described above, a transaction is made between countries using the same currency unit or the same currency unit, and the money remitted by the remitter to the receiver in each country is remitted (S130). Of course, at this stage, the manager server generates a commission, receives it from the sender and / or receiver, excludes the commission, and stores the commission after the remittance in a management account managed by the manager server or manager server.

In the course of these remittance transactions, the virtual account balance (hereinafter also referred to as "balance") of the virtual account is significantly reduced and the balance of the virtual account is set as the target setting amount, for example, The manager server determines whether the balance remains or not for a stable and stable transaction (S140).

As a result of this judgment, when the balance of the virtual account is less than the predetermined amount, there are a method of realizing arbitrage (S143), a method of investing money (S145), and a method of realizing arbitrage such as bit coin And a transmission method (S147).

As described above, the first method of realizing arbitrage transactions is to transfer money between two countries including stocks, bonds and bit coins between the first station (N-1) and the second station (N-2) (AC-1, AC-2), and the result will be supplemented with a virtual account (AC-1, AC-2). Since a specific method of arbitrage trading is performed by a commonly known method, a detailed description thereof will be omitted below.

For example, when the set amount of Korea in the first country (N-1) is less than one million won, manager servers mutually trade between Korea (N-1) and China (N-2) If there is arbitrage trading such as a stock or a bit coin, the manager chooses a profitable option to sell and sell in the stocks or bit coins of the first country (N-1) to be supplemented, Can be replenished by filling in the balance of. The process of the arbitrage transaction can be automatically performed by the manager server based on programs or information preset by the manager in the manager server by selecting a method or trading means that is most advantageous to the manager who manages the manager server. In such a filled virtual account, if the virtual account balance exceeds the set amount excessively as the remittance work between the two countries continues, for example, if the excess amount exceeds 1.2 times the set amount, the excess amount is returned to the arbitrage account Return.

On the other hand, if the virtual account is profitable as needed, the encrypted virtual currency including the bit coin may be remitted as it is, and the money may be cashed (S147).

In addition, the investor may invest money in the manager's stock market, such as a crypto currency, such as a bit coin arbitrage trading can be realized, but can be supplemented by lending to a virtual account if necessary, including the corresponding benefits It is preferable that the manager server manages the arbitration transaction account or the investor account associated with the investor so that the profit generated by the remittance method or the arbitration transaction according to the present invention is returned or distributed or distributed.

It is preferable that the administrator server performs the above-mentioned process so as to repeat the transferring method according to the present invention (S150).

The present invention can further include a computer-readable recording medium including a CD or the like on which a program including the remittance method described above is recorded.

Thus, according to the present invention, it is possible to provide an overseas remittance method which can effectively solve the case where there is no counterpart in the process of remitting money between the local station and another station.

In addition, when an unbalance occurs in the management account or the virtual account in the process of remitting money, it is possible to provide an international remittance method capable of performing stable and stable transactions and effectively distributing profits to investors.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art without departing from the scope and spirit of the invention. will be. The scope of the invention will be determined by the appended claims and their equivalents.

Claims (5)

In a method for remitting money in a plurality of countries connected to an Internet network,
Connecting a manager server on a network from a user server connected to a manager server managing a remittance processing service provided by a user in a wired / wireless manner so as to be connectable over the Internet;
(OC-1) which sends money to the receiver (BC-2) of the second station (N-2) from the first station (N-1) The manager server transmits the money to the first station N-1 when the remitter OC-2 that sends money to the receiver BM-1 of the first station N-1 remits from each user server, (OC-1) of the second station (N-2) to the receiver (BC-1) of the first station (N-1) N-2) to said receiver (BC-2);
If the remitter OC-1 or OC-2 or the receiver BM-1 or BC-2 does not exist in the remittance process, the manager server does not include the sender OC-1, OC- Generating a virtual remitter or a virtual remitter corresponding to the receiver (BC-1) or the receiver (BC-1, BC-2) and processing the remittance process;
The manager server comprises a first virtual account (AC-1) managing a deposit and withdrawal including remittance from a first station (N-1), a second virtual account (AC- 2 virtual accounts AC-2 are allocated and the virtual account balance of the first virtual account AC-1 and the second virtual account AC-2 is less than the set target set amount, And a supplemental process for supplementing the supplemental information,
The supplementary step is a step in which the manager server judges the evaluation value of the investment means including the bit coin and the stock between the first station (N-1) and the second station (N-2) (BCT-1, BCT-2) to be used for performing arbitrage trading of the virtual account AC-1 (BCT-1) , AC-2) to supplement the balance of the virtual account. delete delete The method according to claim 1,
Wherein the manager server processes the investment amount of the investor who is connected to the manager server to utilize the investment amount of the investment means as the operating money of the investment means and transmits the portion of the profit generated in the arbitration transaction to the investor account corresponding to the investment amount, And a portion of the fee incurred by the transfer is allocated to the investor. A computer-readable recording medium recording a program including the remittance method of claim 1.

Images