KR101852858B1 - System, Device, and Computer-Readable Medium for Peer-To-Peer Money Exchange - Google Patents

Abstract

The present invention relates to a peer-to-peer (P2P) currency exchange service providing system, a currency exchange service providing method, and a computer readable medium. According to an embodiment of the present invention, the currency exchange service providing system includes: a user information registering unit which includes at least one processor and at least one memory, can provide currency exchange services among users, and registers user information on at least one user; an order inputting unit which provides a first user among the users with an interface for inputting an order; an order registering unit which inputs the order inputted by the first user; a trading party deciding unit which decides a second user who performs a currency exchange trade according to the order of the registered first user; and a trade providing unit which provides a trading service between the first user and the second user in a currency exchange trade type according to the input by at least one between the first user and the second user. Therefore, the currency exchange service providing system, the currency exchange service providing method, and the computer readable medium can provide currency exchange services with low fees in a P2P method.

Description

{System, Device, and Computer-Readable Medium for Peer-To-Peer Money Exchange}

The present invention relates to a P2P-based exchange service providing system, a method of providing a money exchange service, and a computer-readable medium, and more particularly, to a P2P- A method of providing a currency exchange service, and a computer-readable medium.

Users of desktops, smart phones and other similar devices are using these devices to perform more and more electronic transactions. In recent years, it has been considered that a user conducts P2P financial transactions with users of other computing devices as well as electronic financial transactions with sellers or financial institutions.

In general, money transfers between real accounts are made through bank, ATM, internet, telephone, etc. for the purpose of transferring funds between individuals and individuals, and personal-to-individual remittance services using e-mail .

On the other hand, although the size of the foreign exchange market has been growing with the recent increase in overseas travelers, such exchange is equivalent to a financial transaction between an individual and a bank paying a high commission (2-12%) to a bank.

In the case of ordinary users, most foreign currencies remaining after use are generally kept at home until the next trip. However, except for major currencies such as dollars, it is difficult to find the next consumption opportunity. Most of them exchange money.

Korean Patent No. 10-1432256

SUMMARY OF THE INVENTION It is an object of the present invention to provide a system for providing a currency exchange service, a method for providing a currency exchange service, and a computer-readable medium which enable a user to exchange money with a low fee in a peer-to-peer manner.

According to an aspect of the present invention, there is provided a method of providing a currency exchange service implemented by a computing device, the method comprising: registering user information of at least one user; An order input step of providing an interface through which a first user of the user can input an order; An order registration step of inputting an order inputted by the first user; Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And providing a transaction service between the first user and the second user in the form of a currency exchange transaction according to at least one of the first user and the second user.

In the present invention, the user registration information step may include: a personal information input step of receiving user information from a user; An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; And receiving an authentication result from the authorized certification authority.

In the present invention, the user information may include user's personal information, Korean currency account information, and foreign currency account information.

In the present invention, the order input step may include an order detail input step of inputting a currency to be traded from a user, a transaction method, and transaction details.

In the present invention, the transaction details include whether or not to buy / sell, an amount and a desired exchange rate, and the order input step includes a step of stopping withdrawal from the server related to the bank of the user account, Or requesting a transfer to a predetermined escrow account in a server associated with a bank of the user account.

In the present invention, the transaction assurance step may include a step of requesting the server related to the bank of the user's foreign currency account to stop the withdrawal in response to the input foreign currency amount when the selling order is inputted in the order input step, When a buy order is inputted in the order entry step, the foreign currency amount is set to a value obtained by changing the inputted foreign currency amount to the reference exchange rate or an amount changed to the reference exchange rate Request the suspension of withdrawal to the server related to the bank of the user's WAN account for the amount of the Korean Won corresponding to the added amount or request the transfer to the predetermined escrow account on the server related to the bank of the user's WAN account have.

In the present invention, the desired exchange rate can be input as a constant exchange rate value or a range exchange rate value, and the amount can be input as a fixed amount value or a range amount value.

In the present invention, the transaction method input in the order input step includes an automatic matching or not, and when the transaction method of the first user inputted in the order input step is automatic matching, A second user who has entered a purchase order or purchase order corresponding to the order of the first user during an order or a registered purchase order can be searched to notify the first user or the first user and the second user of the search result .

The present invention may further comprise an order transmission step of transmitting the order of the first user to another user, and when the transaction type of the first user inputted in the order input step is not automatic matching, The user of the trading party can be determined according to the input of one or more users.

In the present invention, the transaction mode input in the order input step includes information on the exchange transaction type, and the exchange transaction type may include a face-to-face transaction and a banking transaction.

In the present invention, the exchange transaction type includes a face-to-face transaction and a banking transaction. In the transaction providing step, when the exchange transaction type is a face-to-face transaction, the first user and the second user can communicate with each other And providing a user interface to the at least one of the first user and the second user.

In the present invention, when the exchange transaction type is a banking transaction, the banking transaction includes a simultaneous transfer and escrow transfer form, and in the case where the exchange transaction form is a banking transaction and a simultaneous transfer, A user associated with the bank of the foreign user account of the second user, or a bank associated with the bank of the Korean Won account.

According to the present invention, in the transaction providing step, when the exchange transaction type is a banking transaction and a simultaneous transfer, the first and second users exchange the first, second and third user data according to the currency, And perform account transfer between the user and the second user.

In the present invention, the transaction providing step may transmit predetermined escrow account information to the first user and the second user when the exchange transaction type is a banking transaction and an escrow transfer.

In the present invention, the transaction providing step may include transmitting the predetermined escrow account information to the first user and the second user, checking whether the first user and the second user are transferred to the escrow account, If the transfer of the first user and the second user is confirmed, the server associated with the bank of the escrow account can be requested to transfer money from the escrow account to the original account of the first user and the second user or to the foreign currency account .

According to an aspect of the present invention, there is provided a method of providing a currency exchange service implemented by a computing device, the method comprising: registering user information of at least one user; An order input step of providing an interface through which a first user of the user can input an order; An order registration step of inputting an order inputted by the first user; Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And a transaction providing step of providing a transaction service between the first user and the second user determined in the transaction party determination step, wherein the user information includes center deposit information, and the order input step includes: And an order detail input step of inputting transaction details, wherein the transaction details include a selling / buying amount, an amount, and a desired exchange rate.

According to the present invention, in the order entry step, when the selling order is inputted in the order detail input step, the user inputs, based on the center deposit information of the user information to the inputted foreign currency amount, A center transaction assurance step of judging whether or not the transaction has been deposited.

In the present invention, the user registration information step may include: a personal information input step of receiving user information from a user; An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; Receiving an authentication result from the authorized certification authority; And a center deposit information registration step of registering the center deposit information for the center deposit deposited by the user.

The present invention is a computer-readable medium having stored thereon instructions for causing a computing device to perform the following steps: A user information registration step of registering user information; An order input step of providing an interface through which a first user of the user can input an order; An order registration step of inputting an order inputted by the first user; Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And providing a transaction service between the first user and the second user in the form of a currency exchange transaction according to at least one of the first user and the second user, .

In the present invention, the user registration information step may include: a personal information input step of receiving user information from a user; An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; And receiving an authentication result from the authorized certification authority.

In the present invention, the order input step may include an order detail input step of inputting a currency to be traded from a user, a transaction method, and transaction details.

According to an aspect of the present invention, there is provided a computing device capable of providing exchange services between users including at least one processor and at least one memory, including: a user information registration unit for registering user information of at least one user; An order input unit for providing an interface through which a first user of the user can input an order; An order register for entering an order entered by the first user; A trading party determining unit for determining a second user to perform a currency exchange transaction according to the order of the first user registered; And a trading system for providing a transaction service between the first user and the second user in the form of a currency exchange transaction according to one or more inputs of the first user and the second user.

In the present invention, the user information registration unit receives user information from a user, requests authentication of whether or not the user is a legitimate user, while transmitting at least one of the user information of the user to the server of the accredited certification authority, The authentication result can be received from the certification authority.

In the present invention, the user information may include user's personal information, Korean currency account information, and foreign currency account information.

In the present invention, the order entry unit may receive a currency, a transaction mode, and transaction details to be traded from a user.

In the present invention, the transaction details include a selling / buying amount, an amount, and a desired exchange rate, and the exchange service providing system is configured to withdraw money from the server related to the bank of the user account based on the amount input in the order detail input step Requesting a suspension, or requesting a transfer to a predetermined escrow account in the server associated with the bank of the user account.

In the present invention, when the selling order is input in the order input step, the transaction guarantee unit requests the stop of the withdrawal to the server related to the bank of the foreign currency account of the user with respect to the inputted foreign currency amount, A seller transaction guarantee unit for requesting transfer to a predetermined escrow account in a related server; And when the buy order is input in the order entry step, the user is allowed to input the amount of the currency converted to the reference currency, or the amount of the currency added to the amount of the reference currency, Requesting a withdrawal suspension to a server associated with the bank of the Korean won account or requesting a transfer to a predetermined escrow account on a server associated with the bank of the user's Korean won account.

In the present invention, the desired exchange rate may be input as a constant exchange rate value or a range exchange rate value, and the amount may be input as a fixed amount value or a range amount value.

In a preferred embodiment of the present invention, the transaction method input by the order input unit includes automatic matching or not, and if the transaction method of the first user inputted by the order input unit is automatic matching, A second user who has entered a purchase order or purchase order corresponding to the order of the first user during the purchase order can be searched to notify the first user or the first user and the second user of the search result.

In the present invention, the exchange service providing system may further include an order transmitting unit for transmitting the order of the first user to another user, wherein the transaction party determining unit determines whether or not the transaction method of the first user, , It is possible to determine the second user according to the input of the first user or the second user.

In the present invention, the transaction type input from the order entry unit includes information on the type of exchange transaction, and the exchange transaction type may include face-to-face transaction and banking transaction.

In the present invention, the exchange transaction type includes a face-to-face transaction and a banking transaction, and when the exchange transaction type is a face-to-face transaction, the first user and the second user can communicate with each other And a face-to-face transaction unit that provides one or more of the first user and the second user with each other's user information.

In the present invention, when the exchange transaction type is a banking transaction, the banking transaction includes a simultaneous transfer and an escrow transfer form, and in the case where the exchange transaction form is a banking transaction and a simultaneous transfer, And a banking transaction unit for requesting a transfer of money to a server associated with the bank of the foreign currency account of the second user or a server associated with the bank of the Korean currency account.

According to the present invention, in the case where the exchange transaction type is a banking transaction and a simultaneous transfer, the banking transaction unit may transmit the first user and the second user in accordance with a currency, an amount, and a desired exchange rate inputted by at least one of the first user and the second user. And a second user.

In the present invention, the banking transaction unit may transmit predetermined escrow account information to the first user and the second user when the exchange transaction type is a banking transaction and an escrow transfer.

According to an embodiment of the present invention, it is possible to provide a P2P-type currency exchange transaction between users without a bank exchange fee.

According to an embodiment of the present invention, it is possible to authenticate users' identities in a P2P-based exchange transaction between users, thereby enabling to carry out exchange transactions more safely.

According to the embodiment of the present invention, it is possible to provide an effect of guaranteeing the payment amounts related to the exchange transaction among the users.

According to an embodiment of the present invention, a user can select a currency exchange transaction type to perform currency exchange, thereby increasing the user's convenience.

According to an embodiment of the present invention, it is possible to more easily realize matching between a seller and a buyer who desires to exchange P2P.

1 schematically shows an environment of a currency exchange service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating internal components of a system for providing a currency exchange service according to an embodiment of the present invention.
3 is a block diagram illustrating internal components of a banking transaction unit according to an exemplary embodiment of the present invention.
FIG. 4 schematically illustrates sub-steps of a user registration step according to an embodiment of the present invention.
5 schematically shows the account information of the user of the exchange service providing system of the present invention.
Figure 6 schematically shows the detailed steps of an order entry step according to an embodiment of the present invention.
FIG. 7 schematically shows detailed steps of an input process and an order transfer step in an order input step according to an embodiment of the present invention.
FIG. 8 schematically illustrates the detailed steps of the transaction determination step according to an embodiment of the present invention.
FIG. 9 schematically shows detailed steps of a transaction determination step according to an embodiment of the present invention.
FIG. 10 schematically shows the detailed steps of the transaction determination step according to an embodiment of the present invention.
FIG. 11 schematically shows detailed steps in the case of simultaneous transfer among banking transaction steps according to an embodiment of the present invention.
FIG. 12 schematically shows detailed steps in the case of an escrow transaction in the banking transaction step according to an embodiment of the present invention.
FIG. 13 is a block diagram illustrating internal components of a system for providing a currency exchange service according to an embodiment of the present invention.
FIG. 14 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system according to an embodiment of the present invention.
FIG. 15 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system according to an embodiment of the present invention.
FIG. 16 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system according to an embodiment of the present invention.
FIG. 17 shows a display screen of the user apparatus according to an order entry in the exchange service providing system according to an embodiment of the present invention.
18 is a block diagram for explaining an example of an internal configuration of a computing device in an embodiment of the present invention.

In the following, various embodiments and / or aspects are now described with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will also be appreciated by those of ordinary skill in the art that such aspect (s) may be practiced without these specific details. The following description and the annexed drawings set forth in detail certain illustrative aspects of one or more aspects. It is to be understood, however, that such aspects are illustrative and that some of the various ways of practicing various aspects of the principles of various aspects may be utilized, and that the description set forth is intended to include all such aspects and their equivalents.

In addition, various aspects and features will be presented by a system that may include multiple devices, components and / or modules, and so forth. It should be understood that the various systems may include additional devices, components and / or modules, etc., and / or may not include all of the devices, components, modules, etc. discussed in connection with the drawings Must be understood and understood.

As used herein, the terms "an embodiment," "an embodiment," " an embodiment, "" an embodiment ", etc. are intended to indicate that any aspect or design described is better or worse than other aspects or designs. . The terms 'component', 'module', 'system', 'interface', etc. used in the following generally refer to a computer-related entity, And a combination of software and software.

It is also to be understood that the term " comprises "and / or" comprising " means that the feature and / or component is present, but does not exclude the presence or addition of one or more other features, components and / It should be understood that it does not.

Also, terms including ordinal numbers such as first, second, etc. may be used to describe various elements, but the elements are not limited to these terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.

Furthermore, in the embodiments of the present invention, all terms used herein, including technical or scientific terms, unless otherwise defined, are intended to be inclusive in a manner that is generally understood by those of ordinary skill in the art to which this invention belongs. Have the same meaning. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and, unless explicitly defined in the embodiments of the present invention, are intended to mean ideal or overly formal .

1 schematically illustrates an environment of a system 1000 for providing a currency exchange service according to an embodiment of the present invention.

The first user A and the second user B access the exchange service providing system 1000 with their own computing device. The exchange service providing system 1000 according to the present invention allows peer-to-peer (P2P) exchange between the first user A and the second user B by matching each other. The exchange service providing system 1000 may be implemented as a server configured by one or more processors, one or more memories, a network device, and the like as an example.

The first user A and the second user B communicate with each other through the exchange service providing system 1000 or perform mutual transaction by receiving information from each other or transmit the account information and / It is possible to register the foreign exchange service in the foreign exchange service providing system 1000 and perform foreign currency and foreign exchange transactions with each other in the exchange service providing system 1000. Preferably, the first user A and the second user B can install an application on their computing device and communicate with the exchange service providing system 1000 through the application. Alternatively, the exchange service providing system 1000 may communicate with the first user A and the second user B in a web form.

Meanwhile, the computing device includes a smart phone, a tablet personal computer (PC), a mobile phone, a videophone, an e-book reader e a notebook PC, a netbook PC, a personal digital assistant (PDA), a portable personal computer (PC) A mobile multimedia device, a portable multimedia player (PMP), an MP3 player, a mobile medical device, a camera, a wearable device (e.g., a head- Electronic devices such as a head-mounted device (HMD), an electronic apparel, an electronic bracelet, an electronic necklace, an electronic app apparel, an electronic tattoo, or a smart watch ). ≪ / RTI >

On the other hand, the first user A remits or delivers the first call to the second user B, and the second user B remits or transfers the second call to the first user A, A peer-to-peer exchange between the user A and the second user B can be performed. In the present specification, the first call is referred to as a " foreign currency " and the second currency is referred to as a " currency ". It is to be understood that the present invention is not limited to foreign exchange transactions between the won (won) and the foreign currency (yen, dollar, etc.) on the basis of Korea, It may be a currency such as yen or dollar, but it is clear that the meaning of the foreign currency and the Korean currency means that they are different from each other.

The public certification authority 3000 corresponds to a general public certification authority 3000 for determining whether the first user A and the second user B are legitimate users. The exchange service providing system 1000 requests authentication of the user to the authorized certification authority 3000 upon user registration and the authorized certification authority 3000 requests data or information related to the authentication to the corresponding user, And can provide the exchange service providing system 1000 with the resultant value. User authentication of the authorized certification authority 3000 may be performed by a known method. For example, various methods such as a public key certificate, a mobile phone authentication, a personal information authentication, and an IPIN authentication may be performed.

In addition, the authorized certification authority 3000 may intervene when the exchange service providing system 1000 requests transfer to the financial institution server 2000, which will be described later.

On the other hand, the financial institution server 2000 includes a server directly or indirectly connected to a bank that performs services such as transfer at an intermediate stage between the bank and the user as well as a direct server to the bank. As an example of a server connected directly or indirectly to such a bank, there is a server that provides a service to the user so that the user can easily conduct a financial transaction in a transfer process or the like.

The exchange service providing system 1000 stores the user's authentication information according to the user's selection and requests the financial institution server 2000 to transfer money or the like according to the authentication information of the previously stored user, Thereby enabling foreign currency and currency transfer between two users (B). Alternatively, the exchange service providing system 1000 does not directly store the authentication information of the first user A and / or the second user B but requests a transfer or the like to the financial institution server 2000 , The financial institution server 2000 performs a procedure of authentication and the like to the first user A and / or the second user B and thereafter performs transaction such as transfer according to the authentication result in the financial institution server 2000 .

As described above, the exchange service providing system 1000 according to the present invention is configured such that the first user A and the second user B are connected via the computing device of the first user A and the second user B, A and the second user B in accordance with the information input by the first user A and the second user B and sends them to a face-to-face transaction Or a banking transaction.

2 is a block diagram illustrating internal components of a system 1000 for providing a currency exchange service according to an embodiment of the present invention.

The exchange service providing system 1000 according to the present embodiment may include a processor 100, a bus 200, a network interface 300, and a memory 400. [ The memory may include an operating system 410, a service providing routine 420, and user information 430. The processor 100 may include a user information registration unit 110, an order input unit 120, an order registration unit 130, an order transfer unit 140, a transaction party determination unit 150, a trading system study, . In other embodiments, the exchange service providing system 1000 may include more components than the components of FIG.

The memory may be a computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), and a disk drive. Also, the memory may store program codes for the operating system 410, the service providing routine 420, and the user information 430. [ These software components may be loaded from a computer readable recording medium separate from the memory using a drive mechanism (not shown). Such a computer-readable recording medium may include a computer-readable recording medium (not shown) such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, or a memory card. In other embodiments, the software components may be loaded into the memory via the network interface portion 300 rather than from a computer readable recording medium.

The bus 200 may enable communication and data transfer between the components of the computing device controlling the exchange service providing system 1000. The bus may be configured using a high-speed serial bus, a parallel bus, a Storage Area Network (SAN), and / or other suitable communication technology.

The network interface unit 300 may be a computer hardware component for connecting a computing device controlling the exchange service providing system 1000 to a computer network. The network interface 300 may connect the computing device controlling the exchange service providing system 1000 to a computer network via a wireless or wired connection. A computing device controlling the exchange service providing system 1000 through the network interface unit 300 may be wirelessly or wiredly connected to the exchange service providing system 1000.

The processor may be configured to process instructions of a computer program by performing an input / output operation of a computing device that controls the basic arithmetic, logic, and currency exchange service providing system 1000. The commands may be provided by the memory or network interface portion 300 and to the processor 100 via the bus 200. The processor is configured to execute program codes for the user information registration unit 110, the order entry unit 120, the order registration unit 130, the order transfer unit 140, the transaction party determination unit 150, . Such program codes may be stored in a recording device such as a memory.

The user information registration unit 110, the order input unit 120, the order registration unit 130, the order transfer unit 140, the transaction party determination unit 150, the transaction system study, May be configured to perform the operation of the system 1000. The above-mentioned processor may omit some components according to the method of controlling the exchange service providing system 1000, or may further include additional components not shown, or two or more components may be combined.

The system 1000 for providing exchange service according to an embodiment of the present invention includes a user information registration unit 110 for registering user information of at least one user; An order input unit 120 for providing an interface for inputting an order to the first user A among the users; An order registration unit 130 for entering an order entered by the first user A; An order transferring unit 140 for transferring information on orders registered in the order registering unit 130 to users' terminals according to requests from users; A trading party determining unit 150 for determining a second user B to perform a currency exchange transaction according to an order of the registered first user A; A trading system for providing a transaction service between a first user (A) and a second user (B) in the form of a currency exchange transaction according to at least one of the first user (A) and the second user (B); And a transaction guarantee unit for maintaining, in the account of the user, an amount related to the order inputted according to the input at the order input unit 120. [

The trading system includes a face-to-face transaction unit 160 for providing an interface and / or information for face-to-face transactions between users; And a banking transaction unit 170 for communicating with the financial institution server 2000 and performing or assisting an electronic financial transaction related to a transaction between users.

The transaction guarantee unit 180 secures the reliability of the transaction by keeping the foreign currency in the account from the account of the seller who registered the sale order; And a buyer transaction guarantee unit 190 for securing the reliability of the transaction by keeping, in the account of the buyer who registered the buyer's order, the won corresponding to the foreign currency in the account.

The user information registration unit 110 receives user information from a user. The user information registering unit 110 may register the user information in the process of registering for the first time to use the exchange service providing system 1000 or may allow the user to register his personal information and account information The user information registration in the process of modifying the user information may be performed.

Preferably, the user information registration unit 110 transmits at least one of the user information of the user to the server of the public certification authority 3000, and requests authentication of whether or not the user is a legitimate user. In particular, in the case where the user information registration unit 110 attempts to join a user or change information related to a user's account, the user information registration unit 110 notifies the authorized certification authority 3000 of whether the user is a legitimate user Lt; / RTI > Such authentication may be performed by the user information registration unit 110 by performing communication with the server of the authorized certification authority 3000 based on the information input by the user, Authentication may be performed between the server of the authorized certification authority 3000 and the computing device of the user, while providing a minimum amount of information to the server of the authorized certification authority 3000 (for example, a telephone number). After the authentication, the user information registration unit 110 may store the authentication authorization of the user in the exchange service providing system 1000 or may exchange the authentication authorization of the exchange service providing system 1000 ) May request the financial institution server 2000 to transfer money between the foreign currency seller and the foreign currency buyer.

The user information includes user's personal information, Korean currency account information, and foreign currency account information. A transaction between users using the exchange service providing system 1000 according to the present invention includes a banking transaction. In this case, the seller of the foreign currency must transfer or remit the foreign currency to the buyer of the foreign currency, and the buyer of the foreign currency must transfer or remit the won to the foreign currency seller. Accordingly, the exchange service providing system 1000 according to the embodiment of the present invention allows the user to input the Korean currency account information and foreign currency account information for banking transactions.

The order input unit 120 receives a call transaction, a transaction mode, and transaction details from a user. The currency to be traded and the transaction mode may be entered according to a predetermined procedure after the user logs in the exchange service providing system 1000 at the user terminal or after the user inputs an order entry start, You may.

On the other hand, the currency to be traded is the currency in which the foreign currency to be traded is. In addition, the transaction method may be a transaction in which the transaction is performed as a face-to-face transaction or as a banking transaction, and / or when the transaction is executed by banking transaction, Or the like.

On the other hand, the transaction details include whether to sell / buy, the amount, and the desired exchange rate. If the user enters a sell order, the user must enter whether the order is sold or if the user enters a buy order, the user must enter whether the order is a buy. Likewise, the selling / buying status may be input by a user in accordance with a predetermined procedure after logging in the exchange service providing system 1000 at the user terminal, or may be input after the user inputs an order entry start It is possible.

Preferably, the desired exchange rate may be input as a constant exchange rate value or a range exchange rate value, and the amount may be input as a fixed amount value or a range amount value. When such a range of current rates and amounts are input, automatic matching between users can be performed more flexibly.

On the other hand, if the user finally inputs the order by the order input unit 120, the exchange service providing apparatus according to an embodiment of the present invention performs a procedure for saving the amount related to the order .

Specifically, the transaction guarantee unit of the apparatus for providing a money exchange service according to an embodiment of the present invention requests the server related to the bank of the user account to stop the withdrawal based on the amount input by the order input unit 120, To the server associated with the bank of the bank.

Preferably, when the selling order is inputted in the order input step, the transaction guarantee unit requests the stop of the withdrawal to the server related to the bank of the foreign currency account of the user with respect to the inputted foreign currency amount, A seller transaction guarantee unit 180 requesting transfer to a predetermined escrow account in a server associated with the bank; And when the buy order is input in the order entry step, the user is allowed to input the amount of the currency converted to the reference currency, or the amount of the currency added to the amount of the reference currency, Requesting a suspension of withdrawal to a server related to the bank of the won account or requesting a transfer to a predetermined escrow account in the server related to the bank of the user's won account.

Meanwhile, the order registration unit 130 stores the input order in the exchange service providing system 1000, specifically, the memory 400. In this way, the orders stored in the order registering unit 130 can be retrieved or inquired by the users. Users can also request detailed information about a specific order from a stored order list.

In response to the information request, search, or inquiry about the order of the users, the order sending unit transmits information on the orders entered by the users through the order input unit 120 to the user terminal.

Meanwhile, in the order input unit 120, the user can set whether or not the corresponding order can be made private. If the order is set to private, the order is not searched in the inquiries of general users but only by user matching by automatic matching. It is desirable that the opponent of the order can be determined.

Meanwhile, the order transmitter 140 may sort the orders corresponding to the items requested by the user in order of one or more of distance, date, and exchange rate, and transmit the orders to the user. Preferably, an order corresponding to a user's request may be sorted by distance, date, and exchange rate, respectively, and the sorted list may be transmitted to the user terminal. Meanwhile, the order transmitter 140 may receive the position information from the user terminal in order to align with the distance of the order transmitter 140.

On the other hand, the transaction party determination unit 150 performs a function of determining a transaction party to mutually perform the currency exchange transaction. Such a transaction party's decision may be determined by the input of the user, for example, the input of a "transaction hope" or the like, and the acceptance of the transaction, or the matching of the sale order entered by the first user (A) The first user A and the second user B may be matched by searching for the second user B who has entered the purchase order.

In the case where the transaction party is determined according to the input of the user, the user inquires the order list to the exchange service providing system 1000 or requests the details of the specific order, Quot; transaction desired " while transmitting the contents to the user terminal. In this case, the user can view the details of the order list or the specific order, and can directly input a message related to the desired transaction to the counterpart by performing the input to the input field corresponding to the " transaction desired " The party determination unit 150 may determine two or more parties to perform currency exchange transactions.

On the other hand, when the first user A and the second user B are searched for the second user B who has entered the purchase order matched with the sales order inputted by the first user A, Searches for a first user A and a second user B that match each other based on the transaction details input by the first user A and the second user B, The face-to-face transaction unit 160 or the banking transaction unit 170 is operated so that the first user A and the second user B can perform a face-to-face transaction or a banking transaction. Alternatively, the search is completed and the first user A and / or the second user B are inquired of whether or not to deal with the transaction, and if the first user A and / or the second user B accepts the request, And activates the face-to-face transaction unit 160 or the banking transaction unit 170 for a transaction between the first user A and the second user B. [

That is, if the transaction type of the first user A input by the order input unit 120 is an automatic matching, the transaction type input by the order input unit 120 includes automatic matching, (150) searches for a second user (B) who has entered a selling order or purchase order corresponding to the order of the first user (A) during a registered sale order or a registered buy order, And notifies the user A or the first user A and the second user B. The search result may include content for the other party, content for proceeding with the transaction, or content for requesting acceptance.

The order transferring unit 140 transfers the order of the first user A to another user and the transaction party determining unit 150 determines whether the first user A inputted from the order input unit 120 is the first user A, The second user B can be determined according to the input of the first user A or the second user B when the transaction mode of the second user B is not automatic matching.

Meanwhile, as described above, the transaction type input from the order entry unit 120 includes information on the exchange transaction type, and the exchange transaction type includes face-to-face transactions and banking transactions.

The trading party determination unit 150 determines the parties to perform the face-to-face transaction or the banking transaction, and performs the face-to-face transaction or the banking transaction according to the information on the type of exchange transaction entered by at least one of the parties .

Specifically, if the exchange transaction type is a face-to-face transaction, the transaction system may provide the first user A and the second user B with an interactive interface that enables conversation between the first user A and the second user B, And a face-to-face transaction unit 160 for providing mutual user information to at least one of the user A and the second user B. The face-to-face transaction unit 160 transmits the interface and / or information (ID) to the first user A and the second user B to allow the first user A and the second user B to communicate with each other, Lt; / RTI > Specifically, the face-to-face transaction unit 160 transmits a dialog window interface to the first user A and the second user B determined by the transaction party determination unit 150, To the user terminal of the first user B and the second user B, respectively. Alternatively, the face-to-face transaction unit 160 may transmit information of the other party, for example, a phone number, an ID, etc., to the first user A and the second user B determined by the transaction party determination unit 150.

Meanwhile, when the exchange transaction type is a banking transaction, the banking transaction in the exchange service providing system 1000 according to an embodiment of the present invention includes a simultaneous transfer and an escrow transfer form. This will be described with reference to FIG.

FIG. 3 is a block diagram illustrating internal components of the banking transaction unit 170 according to an embodiment of the present invention.

The banking transaction unit 170 includes a user account identification unit 171. The user account checking unit 171 checks whether the financial assets for the corresponding transaction are sufficient in the foreign currency account and the foreign currency account of each foreign currency seller and foreign currency buyer as a preparation process for performing the banking transaction. The user account checking unit 171 may query the financial institution server 2000 for information on the account based on the authentication authority stored in the exchange service providing system 1000 by the user.

In addition, the banking transaction unit 170 includes a transaction concatenation unit 172 for performing an actual transaction. The exchange process in the peer-to-peer can be performed as a result of the exchange seller sending the foreign exchange to the foreign exchange buyer and the foreign exchange buyer transferring the won to the foreign exchange seller. The transaction concatenation unit 162 performs operations related to such transfer or transfer.

Concretely, the transaction concatenation unit 162 includes a simultaneous transfer unit 172A for storing the authentication information for the financial transaction of the transaction user and performing the simultaneous transfer, And an escrow transaction unit 172B for transferring escrow account information to each user, confirming the deposit details of the escrow account, and then performing an escrow transaction for transferring the foreign currency or the won to each user.

Preferably, the simultaneous transfer unit 172A is a server or a server associated with a bank of a foreign currency account of the first user A and the second user B when the exchange transaction type is a banking transaction and a simultaneous transfer, Request a transfer of money to the server associated with the bank of the won account.

Specifically, when the exchange transaction type is a banking transaction and a simultaneous transfer, the simultaneous transfer unit 172A transmits the currency, the amount, the amount of money, and the like input by at least one of the first user A and the second user B, And performs the account transfer between the first user (A) and the second user (B) according to the desired exchange rate. The amount of foreign currency to be transferred to the foreign currency buyer by the foreign currency seller and the amount of the foreign currency to be transferred to the foreign currency seller by the foreign currency buyer in accordance with the corresponding currency, amount, and desired exchange rate, And requests the account transfer to the institution server 2000.

In order to request such account transfer, the simultaneous transfer unit 172A authenticates the financial institution server 2000 based on the authentication authority of the first user A and the second user B stored previously You may.

Meanwhile, the escrow transaction unit 172B transmits predetermined escrow account information to the first user A and the second user B when the exchange transaction type is a banking transaction and an escrow transfer.

Specifically, after the escrow transaction unit 172B transmits predetermined escrow account information to the first user A and the second user B, the escrow transaction unit 172B transmits the escrow account information to the first user A and the second user B, If the transfer of the first user (A) and the transfer of the second user (B) is confirmed, checking the transfer of the first user (A) and the second user (B) to the server associated with the bank of the escrow account from the escrow account And requests the account transfer to the foreign user account of the user A and the second user B or the foreign currency account.

Meanwhile, the banking transaction unit 170 includes a financial institution authentication unit 173. The financial institution authentication unit 173 transmits a request related to the financial transaction to the financial institution server 2000 based on the authentication authority of the financial institution of the previously registered user or transmits the request for transfer of the escrow account and escrow account A financial transaction and / or a financial history confirmation request to the financial institution server 2000 based on the authentication authority for confirming the transfer history and the like.

FIG. 4 schematically illustrates sub-steps of a user registration step according to an embodiment of the present invention.

In step S110, the user inputs personal information, and the exchange service providing system 1000 receives the inputted personal information. Here, the personal information may include personal information of the user, Korean won account information, and foreign currency account information.

In step S120, the exchange service providing system 1000 requests authentication from the accredited certification authority 3000 to confirm whether the user who entered the personal information is a user having a proper authority for the personal information or a matching user.

In step S130, the authorized certification authority 3000 requests authentication information from the user terminal or the like to the user.

In S140, the user transmits the authentication information to the authorized certification authority 3000. [ The authentication related communication of the user and the accredited certification authority 3000 in steps S130 and S140 may be performed only by the user terminal of the user and the server of the accredited certification authority 3000, ) In the middle can communicate with each other in the form of data transmission can be done.

In step S150, when authentication is confirmed in the authorized certification authority 3000, the confirmation details are transmitted to the exchange service providing system 1000. [

In step S160, the exchange service providing system 1000 requests the account information from the user.

In step S170, the user inputs the account information through the user terminal.

5 schematically shows the account information of the user of the exchange service providing system 1000 of the present invention.

As described above, in the case of performing a banking transaction, the user must have an account for the first call and an account for the second call. For convenience of explanation, the account for the first call is referred to as a foreign currency account, and the account for the second currency is referred to as a Korean currency account. Meanwhile, the user can register one or more foreign currency accounts and Korean won fields through the user information registration step described above.

Preferably, each user establishes a representative account in which real transfers or the like among the accounts of the registered users can be performed. In FIG. 5, user 2 selects the first foreign currency account as the representative account for the foreign currency account in the first foreign currency account and the second foreign currency account, and the user 3 selects the first foreign currency account as the representative account for the Korean currency account in the first foreign currency account and the second foreign currency account, The first foreign currency account was selected as the representative account for the foreign currency account in the first foreign currency account and the second foreign currency account.

Figure 6 schematically shows the detailed steps of an order entry step according to an embodiment of the present invention.

In S210, the first user inputs an order. In the order entry, a currency type, a transaction type, and transaction details can be input, and the transaction details include whether or not to buy / sell, the amount, and the desired exchange rate.

In step S220, the exchange service providing system 1000 performs a determination on at least one of the format and the entity of the order, and registers the order when it is determined that there is no error.

In S230, the second user inquires the order. The user can view orders based on currency type, transaction type, and transaction details.

In S240, the order (s) meeting the criterion inspected by the second user transmits the list to the second user.

In step S250, the second user selects an order to be checked for details in the order list. The selection of the user is transmitted to the exchange service providing system 1000 (not shown).

In step S260, the exchange service providing system 1000 transmits the order details of the user's selection to the second user.

Here, the first user and the second user can access the exchange service providing system 1000 using the user terminal and perform input, data verification, and the like.

FIG. 7 schematically shows detailed steps of an input process and an order transfer step in an order input step according to an embodiment of the present invention.

In S310, the order input unit 120 receives the type of the currency to be traded by the user.

In step S320, the order entry unit 120 receives a payment method or a transaction method from the user.

Preferably, when the user accesses the exchange service providing system 1000 with an application or the like, S310 and S320 may be performed before an inquiry for an order or a selection for a specific order. In this case, only the type of currency and transaction mode selected by the user may be automatically inquired and matched.

In S330, the order input unit 120 receives the transaction details. Here, the transaction details include the selling / buying price, the amount, and the desired exchange rate.

In S340, the transaction guarantee section performs the transaction guarantee. The transaction guarantee unit requests the suspension of the withdrawal to the server related to the bank of the user account based on the amount input by the order input unit 120 or requests the transfer to the escrow account preset in the server related to the bank of the user account .

In step S350, the order transmitting unit 140 transmits the order list inquired by the user.

At S360, the details of the order selected by the user are transmitted.

8 to 10 schematically show detailed steps of a transaction determination step according to an embodiment of the present invention.

As shown in FIGS. 8 to 10, the determination of the first user A and the second user B to perform the transaction is determined by the user's transaction application and acceptance, or determined by automatic matching , Automatic matching, and acceptance. The determination of the first user A and the second user B to perform such a transaction is performed by the transaction party determination unit 150. [

FIG. 8 schematically illustrates the detailed steps of the transaction determination step according to an embodiment of the present invention.

In step S410, the first user A requests the exchange service providing system 1000 for a transaction with the second user B that he / she grasped through inquiry or the like.

In step S420, the exchange service providing system 1000 determines whether a transaction between the second user B and the first user A is possible. Here, it is possible to check the account details of the second user B, check the creditworthiness of the second user B, or check whether the information entered by the first user A and the second user B has an error .

In step S430, the exchange service providing system 1000 queries the second user (B) whether the transaction is a transaction.

In step S440, the second user B performs an input for accepting the transaction through his or her own user terminal, and accordingly, the second user B transmits a signal on the transaction acceptance from the terminal to the exchange service providing system 1000 do.

Then, the trading party determination unit 150 designates the first user A and the second user B as trading partners, and the transaction study is performed by the first user A and the second user B B), or a banking transaction. Here, the exchange service providing system 1000 performs the face-to-face transaction, which includes providing information or an interface (for example, a dialogue) for actual face-to-face. Here, the exchange service providing system 1000 performs the banking transaction by making a request such as transfer to the server of the financial institution based on the authentication right or certificate of the previously registered user, or transmitting the escrow account information to the users And performing escrow account information confirmation and transfer.

FIG. 9 schematically shows detailed steps of a transaction determination step according to an embodiment of the present invention.

In step S510, the first user A inputs an order to the exchange service providing system 1000 and selects and inputs an automatic matching type party determination method.

In step S520, the second user B inputs an order to the exchange service providing system 1000 and selects and inputs an automatic matching type party determination method.

In S530, the exchange service providing system 1000 confirms the order of the first user A and the second user B, and determines the matching of the order.

In step S540, the trading party determination unit 150 designates the first user A and the second user B as trading partners, and the transaction study is performed by the first user A and the second user B B), or a banking transaction. Here, the exchange service providing system 1000 performs the face-to-face transaction, which includes providing information or an interface (for example, a dialogue) for actual face-to-face. Here, the exchange service providing system 1000 performs the banking transaction by making a request such as transfer to the server of the financial institution based on the authentication right or certificate of the previously registered user, or transmitting the escrow account information to the users And performing escrow account information confirmation and transfer.

FIG. 10 schematically shows the detailed steps of the transaction determination step according to an embodiment of the present invention.

In step S610, the first user A inputs an order to the exchange service providing system 1000 and selects and inputs an automatic matching type party determination method.

In step S620, the second user B inputs only the order to the exchange service providing system 1000.

In step S630, the exchange service providing system 1000 confirms the order of the first user A and the second user B, and determines the matching of the order.

In step S640, the exchange service providing system 1000 queries the second user B whether or not the transaction is a transaction.

In step S650, a signal of a transaction acceptance is transmitted to the exchange service providing system 1000 according to the input of the second user (B).

In step S660, the trading party determination unit 150 designates the first user A and the second user B as trading partners, and the transaction study is performed by the first user A and the second user B B), or a banking transaction. Here, the exchange service providing system 1000 performs the face-to-face transaction, which includes providing information or an interface (for example, a dialogue) for actual face-to-face. Here, the exchange service providing system 1000 performs the banking transaction by making a request such as transfer to the server of the financial institution based on the authentication right or certificate of the previously registered user, or transmitting the escrow account information to the users And performing escrow account information confirmation and transfer.

FIG. 11 schematically shows detailed steps in the case of simultaneous transfer among banking transaction steps according to an embodiment of the present invention.

In step S710, based on the authentication authority registered by the user in the exchange service providing system 1000, the account information of the transaction party is inquired to the server of the financial institution to confirm.

In step S720, when the account balance, for example, the account balance related to the sale and purchase, is confirmed, a request is made to the server related to the account of the trading partners for the account transfer of the foreign currency and the won between the parties.

In step S730, the account transfer result is received from the server associated with the account of the transaction parties.

Here, in the case of the simultaneous transfer, for example, a foreign currency is transferred from the first user A to the second user B and the foreign user is transferred from the second user B to the first user A ). However, if the remaining amount of money in the original account of the second user B is insufficient, the foreign currency is transferred from the first user A to the second user B, or the foreign user is transferred from the second user B to the first user B A) may not be transferred. Accordingly, in S710, immediately before such transfer, the information of the account of each user, specifically, the account balance information related to the amount to be remitted, is confirmed, and the transfer between the parties proceeds.

FIG. 12 schematically shows detailed steps in the case of an escrow transaction in the banking transaction step according to an embodiment of the present invention.

S810 informs the transaction-related parties about the escrow account information and the amount of currency or foreign currency to be transferred.

In S820, the escrow account confirms the transfer from each trading partner.

In S830, you send money or currency from escrow account to transaction related parties.

FIG. 13 is a block diagram illustrating internal components of a system for providing a currency exchange service according to an embodiment of the present invention. The description of the exchange service providing system shown in FIG. 13 that is the same as the exchange service providing system described with reference to FIGS. 1 to 12 will be omitted for the sake of convenience.

The exchange service providing system 1000 according to the present embodiment may include a processor 100, a bus 200, a network interface 300, and a memory 400. [ The memory may include an operating system 410, a service providing routine 420, and user information 430. The processor 100 may include a user information registration unit 110, an order input unit 120, an order registration unit 130, an order transfer unit 140, a transaction party determination unit 150, a trading system study, . In other embodiments, the exchange service providing system 1000 may include more components than the components of FIG.

The user information registration unit 110, the order input unit 120, the order registration unit 130, the order transfer unit 140, the transaction party determination unit 150, the transaction system study, May be configured to perform the operation of the system 1000. The above-mentioned processor may omit some components according to the method of controlling the exchange service providing system 1000, or may further include additional components not shown, or two or more components may be combined.

The system 1000 for providing exchange service according to an embodiment of the present invention includes a user information registration unit 110 for registering user information of at least one user; An order input unit 120 for providing an interface for inputting an order to the first user A among the users; An order registration unit 130 for entering an order entered by the first user A; An order transferring unit 140 for transferring information on orders registered in the order registering unit 130 to users' terminals according to requests from users; A trading party determining unit 150 for determining a second user B to perform a currency exchange transaction according to an order of the registered first user A; A trading system for providing a transaction service between a first user (A) and a second user (B) in the form of a currency exchange transaction according to at least one of the first user (A) and the second user (B); And a transaction guarantee unit for maintaining, in the account of the user, an amount related to the order inputted according to the input at the order input unit 120. [

The transaction study includes a center transaction unit 175 that enables a user to perform a currency exchange transaction based on a foreign exchange deposited in a exchange service providing center related to the exchange service providing system. In addition, the trading system study may further include at least one of the face-to-face transaction unit and the banking transaction unit.

In the present embodiment, the first user (seller) deposits the foreign currency directly or electronically to the exchange service providing center, accesses the exchange service providing system through his / her user terminal and inputs a sale order or the like, The second user deposits or provides a currency to the exchange service providing center when the user (buyer) is determined as a transaction party by matching the transaction according to the sale order of the first user, And receives the foreign exchange corresponding to the amount deposited by the first user or receives the foreign exchange from the exchange service providing center.

Wherein the transaction guarantee unit, when the sales order is inputted from the order entry unit, determines whether or not the corresponding user has deposited the amount over the foreign currency amount on the basis of the center deposit information of the corresponding user information with respect to the inputted foreign currency amount, Warranty.

The user information registration unit 110 receives user information from a user. The user information registering unit 110 may register the user information in the process of registering for the first time to use the exchange service providing system 1000 or may allow the user to register his personal information and account information The user information registration in the process of modifying the user information may be performed. Also, when the seller deposits his / her foreign exchange at the exchange service providing center, the user information registration unit may register the center deposit information for the deposited foreign currency amount.

Preferably, the user information registration unit 110 transmits at least one of the user information of the user to the server of the public certification authority 3000, and requests authentication of whether or not the user is a legitimate user. In particular, in the case where the user information registration unit 110 attempts to join a user or change information related to a user's account, the user information registration unit 110 notifies the authorized certification authority 3000 of whether the user is a legitimate user Lt; / RTI > Such authentication may be performed by the user information registration unit 110 by performing communication with the server of the authorized certification authority 3000 based on the information input by the user, Authentication may be performed between the server of the authorized certification authority 3000 and the computing device of the user, while providing a minimum amount of information to the server of the authorized certification authority 3000 (for example, a telephone number). After the authentication, the user information registration unit 110 may store the authentication authorization of the user in the exchange service providing system 1000 or may exchange the authentication authorization of the exchange service providing system 1000 ) May request the financial institution server 2000 to transfer money between the foreign currency seller and the foreign currency buyer.

On the other hand, the user information includes personal information of the user and the above-mentioned center deposit information. Alternatively, the user information may further include KRW account information and foreign currency account information. A transaction between users using the exchange service providing system 1000 according to the present embodiment includes a form in which users visit the exchange service providing center directly to deposit foreign exchange or to deposit a Korean currency. Alternatively, the transaction type of the exchange service providing system 1000 according to the present embodiment may further include a banking transaction or the like.

The order input unit 120 receives a call transaction and transaction details from a user. The order input unit 120 may further receive a transaction type.

The currency to be traded may be input according to a predetermined procedure after the user logs in the exchange service providing system 1000 at the user terminal or may be inputted after the user inputs an order to start inputting the order have.

On the other hand, the currency to be traded is the currency in which the foreign currency to be traded is. In addition, the transaction method can be either a transaction in a face-to-face transaction, a transaction in a banking transaction or a transaction in a center transaction, and / or a transaction in a banking transaction, or an escrow account To select whether to use the transaction.

On the other hand, the transaction details include whether to sell / buy, the amount, and the desired exchange rate. If the user enters a sell order, the user must enter whether the order is sold or if the user enters a buy order, the user must enter whether the order is a buy. Likewise, the selling / buying status may be input by a user in accordance with a predetermined procedure after logging in the exchange service providing system 1000 at the user terminal, or may be input after the user inputs an order entry start It is possible.

Preferably, the desired exchange rate may be input as a constant exchange rate value or a range exchange rate value, and the amount may be input as a fixed amount value or a range amount value. When such a range of current rates and amounts are input, automatic matching between users can be performed more flexibly.

Meanwhile, when the user finally inputs the order by the order input unit 120, the apparatus for providing exchange service according to an embodiment of the present invention performs a procedure for saving the amount related to the order .

Specifically, when the selling order is input, the center transaction guarantee unit of the transaction guarantee unit of the exchange service providing apparatus according to an embodiment of the present invention determines whether or not the corresponding user It is possible to judge whether or not the amount of money corresponding to the foreign currency amount has been deposited, and make the selling order valid or invalid according to whether or not the deposit is deposited.

In addition, the transaction guarantee unit of the apparatus for providing exchange service according to an embodiment of the present invention may request the server related to the bank of the user account to stop the withdrawal based on the amount inputted by the order input unit 120, You may request a transfer to a pre-established escrow account on the server associated with the bank.

Meanwhile, the order registration unit 130 stores the input order in the exchange service providing system 1000, specifically, the memory 400. In this way, the orders stored in the order registering unit 130 can be retrieved or inquired by the users. Users can also request detailed information about a specific order from a stored order list.

In response to the information request, search, or inquiry about the order of the users, the order sending unit transmits information on the orders entered by the users through the order input unit 120 to the user terminal.

Meanwhile, in the order input unit 120, the user can set whether or not the corresponding order can be made private. If the order is set to private, the order is not searched in the inquiries of general users but only by user matching by automatic matching. It is desirable that the opponent of the order can be determined.

Meanwhile, the order transmitter 140 may sort the orders corresponding to the items requested by the user in order of one or more of distance, date, and exchange rate, and transmit the orders to the user. Preferably, an order corresponding to a user's request may be sorted by distance, date, and exchange rate, respectively, and the sorted list may be transmitted to the user terminal. Meanwhile, the order transmitter 140 may receive the position information from the user terminal in order to align with the distance of the order transmitter 140.

On the other hand, the transaction party determination unit 150 performs a function of determining a transaction party to mutually perform the currency exchange transaction. Such a transaction party's decision may be determined by the input of the user, for example, the input of a "transaction hope" or the like, and the acceptance of the transaction, or the matching of the sale order entered by the first user (A) The first user A and the second user B may be matched by searching for the second user B who has entered the purchase order.

In the case where the transaction party is determined according to the input of the user, the user inquires the order list to the exchange service providing system 1000 or requests the details of the specific order, Quot; transaction desired " while transmitting the contents to the user terminal. In this case, the user can view the details of the order list or the specific order, and can directly input a message related to the desired transaction to the counterpart by performing the input to the input field corresponding to the " transaction desired " The party determination unit 150 may determine two or more parties to perform currency exchange transactions.

On the other hand, when the first user A and the second user B are searched for the second user B who has entered the purchase order matched with the sales order inputted by the first user A, Searches for a first user A and a second user B that match each other based on the transaction details input by the first user A and the second user B, So that the first user A and the second user B can perform the center transaction. Alternatively, the search is completed and the first user A and / or the second user B are inquired of whether or not to deal with the transaction, and if the first user A and / or the second user B accepts the request, And activates the center transaction unit 175 for transactions between the first user A and the second user B. [

That is, if the transaction type of the first user A input by the order input unit 120 is an automatic matching, the transaction type input by the order input unit 120 includes automatic matching, (150) searches for a second user (B) who has entered a selling order or purchase order corresponding to the order of the first user (A) during a registered sale order or a registered buy order, And notifies the user A or the first user A and the second user B. The search result may include content for the other party, content for proceeding with the transaction, or content for requesting acceptance.

The order transferring unit 140 transfers the order of the first user A to another user and the transaction party determining unit 150 determines whether the first user A inputted from the order input unit 120 is the first user A, The second user B can be determined according to the input of the first user A or the second user B when the transaction mode of the second user B is not automatic matching.

Meanwhile, as described above, the transaction type input from the order entry unit 120 includes information on the exchange transaction type, and the exchange transaction type includes the center transaction. Alternatively, the exchange transaction type may further include a face-to-face transaction and a banking transaction.

Specifically, when the exchange transaction type is a center transaction, when the exchange service study center receives a currency equivalent to the foreign currency of the seller from the buyer at the exchange service providing center, the buyer receives the foreign currency of the seller To the exchange service providing system.

Hereinafter, a method of providing a currency exchange service performed in the exchange service providing system shown in FIG. 13 will be described. According to another aspect of the present invention, there is provided a method of providing a currency exchange service, the method comprising: registering user information of at least one user; An order input step of providing an interface through which a first user of the user can input an order; An order registration step of inputting an order inputted by the first user; Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And a transaction providing step of providing a transaction service between the first user and the second user determined in the transaction party determination step, wherein the user information includes center deposit information, and the order input step includes: And an order detail input step of inputting transaction details, wherein the transaction details include whether or not to buy / sell, an amount, and a desired exchange rate.

Preferably, in the order entry step, when the selling order is inputted in the order detail input step, the corresponding user deposits the amount of the foreign currency amount in the center on the basis of the center deposit information of the user information for the inputted foreign currency amount, And a center transaction assurance step of judging whether or not the center transaction assurance step has been performed.

Preferably, the user registration information step may include: inputting user information from a user; An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; Receiving an authentication result from the authorized certification authority; And a center deposit information registration step of registering the center deposit information for the center deposit deposited by the user.

FIG. 14 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system 1000 according to an embodiment of the present invention.

As shown in FIG. 14, the user can check a list of purchase orders and sales orders for orders matching the established currency and transaction type by sorting in the order of currency, distance, and number.

FIG. 15 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system 1000 according to an embodiment of the present invention.

As shown in Fig. 15, the user can select an image of " conclude " to apply for a transaction directly from the buy order or the sell order list.

FIG. 16 shows a display screen of a user apparatus according to an order transmission in the exchange service providing system 1000 according to an embodiment of the present invention.

As shown in FIG. 16, the order details can identify the type of currency, amount, buy / sell, desired currency, type of transaction, order validity period, and desired settlement place.

Similarly, the user can perform face-to-face transactions at an interface for confirming order details.

FIG. 17 shows a display screen of the user apparatus according to an order entry in the exchange service providing system 1000 according to an embodiment of the present invention.

As shown in FIG. 17, the user can input a currency type, amount, buy / sell, desired exchange rate, transaction type, order validity period, and desired settlement place (not shown) at the time of order input.

18 is a block diagram for explaining an example of an internal configuration of a computing device in an embodiment of the present invention.

18, the computing device 11000 includes at least one processor 11100, a memory 11200, a peripheral interface 11300, an input / output subsystem I / Osubsystem) 11400, a power circuit 11500, and a communication circuit 11600. At this time, the computing device 11000 may correspond to a user terminal or a exchange service providing system.

Memory 11200 can include, for example, a high-speed random access memory, a magnetic disk, SRAM, DRAM, ROM, flash memory or non-volatile memory. have. The memory 11200 may include software modules, a set of instructions, or various other data required for operation of the computing device 11000.

At this point, accessing memory 11200 from other components, such as processor 11100 or peripheral device interface 11300, may be controlled by processor 11100.

Peripheral device interface 11300 may couple the input and / or output peripheral devices of computing device 11000 to processor 11100 and memory 11200. The processor 11100 may execute a variety of functions and process data for the computing device 11000 by executing a software module or set of instructions stored in the memory 11200.

The input / output subsystem 11400 may couple various input / output peripherals to the peripheral interface 11300. For example, input / output subsystem 11400 may include a controller for coupling a peripheral, such as a monitor, keyboard, mouse, printer, or a touch screen or sensor, as needed, to peripheral interface 11300. According to another aspect, the input / output peripheral devices may be coupled to the peripheral device interface 11300 without going through the input / output subsystem 11400.

Power circuitry 11500 may provide power to all or a portion of the components of the terminal. For example, the power circuit 11500 may include one or more power supplies, such as a power management system, a battery or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, And may include any other components for creation, management, distribution.

Communication circuitry 11600 may enable communication with other computing devices using at least one external port.

Or as described above, communication circuitry 11600 may, if necessary, enable communications with other computing devices by sending and receiving RF signals, also known as electromagnetic signals, including RF circuitry.

18 is merely an example of the computing device 11000, and the computing device 11000 may be configured so that some of the components shown in FIG. 18 are omitted, or have additional components not shown in FIG. 18, Lt; RTI ID = 0.0 > components. ≪ / RTI > For example, in addition to the components illustrated in FIG. 18, a computing device for a mobile communication terminal may further include a touch screen, a sensor, and the like. The communication device 1160 may be connected to various communication methods (WiFi, 3G, LTE , Bluetooth, NFC, Zigbee, etc.). The components that may be included in computing device 11000 may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing or application specific integrated circuits.

The methods according to embodiments of the present invention may be implemented in the form of a program instruction that can be executed through various computing devices and recorded in a computer-readable medium. In particular, the program according to the present embodiment can be configured as a PC-based program or an application dedicated to a mobile terminal. An application to which the present invention is applied can be installed in a user terminal through a file provided by a file distribution system. For example, the file distribution system may include a file transfer unit (not shown) for transferring the file according to a request from the user terminal.

According to an embodiment of the present invention, it is possible to provide a P2P-type currency exchange transaction between users without a bank exchange fee.

According to an embodiment of the present invention, it is possible to authenticate users' identities in a P2P-based exchange transaction between users, thereby enabling to carry out exchange transactions more safely.

According to the embodiment of the present invention, it is possible to provide an effect of guaranteeing the payment amounts related to the exchange transaction among the users.

According to an embodiment of the present invention, a user can select a currency exchange transaction type to perform currency exchange, thereby increasing the user's convenience.

According to an embodiment of the present invention, it is possible to more easily realize matching between a seller and a buyer who desires to exchange P2P.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the apparatus and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA) , A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For the sake of understanding, it is assumed that one processing device is used.

It will be appreciated by those skilled in the art that the processing apparatus may include a plurality of processing elements and / or a plurality of types of processing elements. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computing device and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks, and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (31)

A method of providing a currency exchange service implemented in a computing device,
A user information registration step of registering user information of at least one user;
An order input step of providing an interface through which a first user of the user can input an order;
An order registration step of inputting an order inputted by the first user;
Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And
And providing a transaction service between the first user and the second user in the form of a currency exchange transaction according to at least one of the first user and the second user,
Wherein the user information registration step comprises:
A personal information input step of inputting user information from a user;
An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; And
And an authentication result reception step of receiving an authentication result from the authorized certification authority,
The user information includes user's personal information, Korean currency account information, and foreign currency account information,
Wherein the order entry step comprises:
An order detail input step of inputting a currency to be traded from a user, a transaction mode, and transaction details; And
A transaction assurance step of requesting a withdrawal stop request to a server related to a bank of the user account based on the amount inputted in the order detail input step or requesting a transfer to an escrow account preset in a server related to a bank of the user account Including,
The transaction details include the sell / buy, the amount and the desired exchange rate,
The transaction assurance step includes:
If the selling order is input in the order entry step, the user desires to stop the withdrawal to the server related to the bank of the foreign currency account of the user with respect to the inputted foreign currency amount, or to set the escrow account in the server related to the bank of the foreign currency account of the user And,
If the buy order is inputted in the order entry step, the user can input the won amount corresponding to the amount added to the amount of the inputted foreign currency amount by the standard exchange rate or the amount changed by the reference exchange rate, Request a withdrawal to a server associated with the bank of the account, request a transfer to a predetermined escrow account on the server associated with the bank of the user's WAN account,
The desired exchange rate may be input as a constant exchange rate value or a range exchange rate value,
Wherein the money amount can be input as a fixed amount value or a range amount value.
delete delete delete delete delete delete The method according to claim 1,
Wherein the transaction type input in the order input step includes an automatic matching or not,
If the trading method of the first user inputted in the order input step is automatic matching, the trading party determination step may include a selling order or buying order corresponding to the order of the first user during the registered selling order or the registered buying order And notifies the first user or the first user and the second user of the search result by searching for the inputted second user.
The method of claim 8,
Further comprising an order transmitting step of transmitting the order of the first user to another user,
Wherein the trading party determination step determines transaction party users according to an input of one or more users when the transaction type of the first user inputted in the order input step is not automatic matching.
The method according to claim 1,
Wherein the transaction type input in the order input step includes information on a type of a currency exchange transaction, and the type of currency exchange transaction includes a face-to-face transaction and a banking transaction.
The method according to claim 1,
The exchange transaction type includes face-to-face transactions and banking transactions,
The transaction providing step may include providing an interactive interface for enabling the first user and the second user to communicate with each other or providing the first user and the second user with a conversation interface when the exchange transaction type is a face- And providing a face-to-face transaction providing step of providing user information of each other.
The method of claim 11,
If the exchange transaction type is a banking transaction, the banking transaction includes a simultaneous transfer and an escrow transfer form,
The transaction providing step may include requesting a bank transfer to a server related to a bank of a foreign currency account of the first user and the second user or a server related to a bank of the Korean currency account when the exchange transaction type is a banking transaction and a simultaneous transfer, A method of providing a currency exchange service.
The method of claim 12,
The transaction providing step may include a step of providing the first user and the second user in accordance with the currency, the amount, and the desired exchange rate inputted by at least one of the first user and the second user when the exchange transaction type is a banking transaction and a simultaneous transfer, A method for providing a money exchange service, the method comprising:
The method of claim 11,
If the exchange transaction type is a banking transaction, the banking transaction includes a simultaneous transfer and an escrow transfer form,
Wherein the transaction providing step transmits predetermined escrow account information to the first user and the second user when the exchange transaction type is a banking transaction and an escrow transfer.
15. The method of claim 14,
Wherein the transaction providing step transmits predetermined escrow account information to the first user and the second user,
Checking whether the transfer of the first user and the second user to the escrow account is confirmed, and if the transfer of the first user and the second user is confirmed, notifying the server related to the bank of the escrow account from the escrow account, And requests a transfer of money to a user of the second user or a foreign currency account of the second user.
A method of providing a currency exchange service implemented in a computing device,
A user information registration step of registering user information of at least one user;
An order input step of providing an interface through which a first user of the user can input an order;
An order registration step of inputting an order inputted by the first user;
Determining a second user to perform a currency exchange transaction according to the order of the first user registered; And
And a transaction providing step of providing a transaction service between the first user and the second user determined in the transaction party determination step,
Wherein the user information includes center deposit information,
Wherein the user information registration step comprises:
A personal information input step of inputting user information from a user;
An authentication request step of requesting authentication of whether the user is a legitimate user while transmitting at least one of the user information of the user to the server of the accredited certification authority; And
And an authentication result reception step of receiving an authentication result from the authorized certification authority,
The user information includes user's personal information, Korean currency account information, and foreign currency account information,
Wherein the order entry step comprises:
An order detail input step of inputting a currency to be traded from a user, a transaction mode, and transaction details; And
A transaction assurance step of requesting a withdrawal stop request to a server related to a bank of the user account based on the amount inputted in the order detail input step or requesting a transfer to an escrow account preset in a server related to a bank of the user account Including,
The transaction details include the sell / buy, the amount and the desired exchange rate,
The transaction assurance step includes:
If the selling order is input in the order entry step, the user desires to stop the withdrawal to the server related to the bank of the foreign currency account of the user with respect to the inputted foreign currency amount, or to set the escrow account in the server related to the bank of the foreign currency account of the user And,
If the buy order is inputted in the order entry step, the user can input the won amount corresponding to the amount added to the amount of the inputted foreign currency amount by the standard exchange rate or the amount changed by the reference exchange rate, Request a withdrawal to a server associated with the bank of the account, request a transfer to a predetermined escrow account on the server associated with the bank of the user's WAN account,
The desired exchange rate may be input as a constant exchange rate value or a range exchange rate value,
Wherein the amount of money can be input as a fixed amount value or a range amount value.
18. The method of claim 16,
Wherein the order entry step comprises:
A center transaction guarantee step of judging whether or not the corresponding user deposits the amount of the foreign currency amount or more in the center based on the center deposit information of the user information with respect to the inputted foreign currency amount in the case where the selling order is inputted in the order detail input step Further comprising the steps of:
A system for providing a currency exchange service that includes one or more processors and one or more memories and is capable of providing exchange service between users,
A user information registration unit for registering user information of at least one user;
An order input unit for providing an interface through which a first user of the user can input an order;
An order registration unit for inputting an order entered by the first user,
A trading party determining unit for determining a second user to perform a currency exchange transaction according to the order of the first user registered;
A trading system for providing a transaction service between a first user and a second user in the form of a currency exchange transaction according to at least one of the first user and the second user; And
And a transaction guarantee unit for requesting a withdrawal stop request to a server related to the bank of the user account based on the amount inputted by the order input unit or requesting a transfer to an escrow account preset in the server related to the bank of the user account ,
The user information registration unit,
Receiving user information from a user and requesting authentication of whether or not the user is a legitimate user while transmitting at least one of the user information of the user to a server of an accredited certification authority, receiving an authentication result from the accredited certification authority,
The user information includes user's personal information, Korean currency account information, and foreign currency account information,
The order input unit receives a call transaction, a transaction method, and transaction details from a user,
The transaction details include the sell / buy, the amount and the desired exchange rate,
The desired exchange rate may be input as a constant exchange rate value or a range exchange rate value,
The amount can be input as a fixed amount value or a range amount value,
The transaction guarantee section
When a sales order is inputted from the order entry unit, the user inputs a foreign currency amount to the server related to the bank of the foreign currency account of the user, or requests the server related to the bank of the foreign currency account of the user to the escrow account A seller transaction guarantee requesting a transfer; And
When the buy order is inputted from the order entry unit, the user inputs the Korean won amount corresponding to the amount added to the amount of the inputted foreign currency amount according to a predetermined ratio to the amount of the foreign currency amount changed to the reference exchange rate or the amount changed to the reference exchange rate, Requesting to stop the withdrawal to a server associated with the bank of the user or requesting a transfer to a predetermined escrow account in a server associated with the bank of the user's Korean account.
delete delete delete delete delete delete 19. The method of claim 18,
Wherein the transaction type input from the order entry unit includes an automatic matching or not,
If the trading method of the first user inputted by the order input unit is automatic matching, the trading party determination unit may input a selling order or buying order corresponding to the order of the first user during the registered selling order or the registered buying order And notifies the first user or the first user and the second user of the search result by searching for the second user.
26. The method of claim 25,
Wherein the exchange service providing system further includes an order transmitting unit for transmitting the order of the first user to another user,
Wherein the trading party determining unit determines the second user according to the input of the first user or the second user when the transaction type of the first user inputted from the order input unit is not automatic matching.
19. The method of claim 18,
Wherein the transaction type input from the order entry section includes information on a type of a currency exchange transaction, and the type of currency exchange transaction includes a face-to-face transaction and a banking transaction.
19. The method of claim 18,
The exchange transaction type includes face-to-face transactions and banking transactions,
The transaction system may be configured to provide an interactive interface for allowing the first user and the second user to communicate with each other if the exchange transaction type is a face-to-face transaction, And a face-to-face transaction unit for providing mutual user information to each other.
29. The method of claim 28,
If the exchange transaction type is a banking transaction, the banking transaction includes a simultaneous transfer and an escrow transfer form,
In the case where the exchange transaction type is the banking transaction and the simultaneous transfer, the transaction system requests the server related to the bank of the foreign user account of the first user and the second user or the server related to the bank of the Korean won account And a banking transaction section.
29. The method of claim 29,
The banking transaction unit may further include a first user and a second user in accordance with a currency, an amount, and a desired exchange rate inputted by at least one of the first user and the second user when the exchange transaction type is a banking transaction and a simultaneous transfer, Wherein the money transfer service providing system comprises:
29. The method of claim 29,
Wherein the banking transaction unit transmits the escrow account information preset to the first user and the second user when the exchange transaction type is a banking transaction and an escrow transfer.

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