KR101864408B1 - A system for providing currency exchange services using Depositor distinction mapping system - Google Patents

Abstract

The present invention relates to a system for providing a currency exchange service using a banknote distinguishing mapping system, which comprises setting a user's local currency unit and a currency unit of a country to be traveled, and generating exchange request information for the currency unit currency of the traveling country A currency exchange requesting unit for transferring the currency exchange information; Providing electronic money corresponding to the money exchange amount to the mobile terminal according to exchange information on the exchange request information transmitted from the exchange request unit and the deposit made by the user, A currency exchange system interworking with the depositor distinction mapping system according to whether the cost information is the same or not (same or not); A depositor distinction mapping system for distinguishing users based on deposit amount information deposited by the plurality of users in cooperation with the currency exchange system and unique code information on the deposit amount information; A withdrawal and payment request unit for generating a withdrawal request signal and withdrawal information so that real-time withdrawal of the currency of travel can be performed, and generating a settlement request signal for real-time settlement; An information providing unit for providing location information of an affiliate shop capable of real-time withdrawal, information of a withdrawable amount of the affiliate shop, and performing an evaluation on exchange and withdrawal; And a merchant management system for providing the travel agent currency corresponding to the requested withdrawal amount after authenticating the user, or approving the settlement when there is a real-time withdrawal request or a payment request through the withdrawal and settlement request unit.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system for providing a currency exchange service using a currency distinction mapping system,

The present invention relates to a system for providing a currency exchange service using a banknote distinguishing mapping system. More particularly, the present invention provides a mapping system for matching money receivers to money amounts at the time of exchange application, and provides a currency exchange service using a bank depositor distinction mapping system as a service for overseas travelers to take out the money having been exchanged through a nearby affiliate shop. ≪ / RTI >

In general, when a customer goes abroad, the exchange is to exchange money in the currency of the corresponding country (for example, dollars, yen, etc.). In order to exchange money, the user visits the bank directly, , Or after carrying out a predetermined exchange procedure on the Internet, it is common to print out (print) the document (for example, currency exchange transaction details) thereon and then visit the corresponding point counter to receive the exchange amount.

Therefore, in the conventional currency exchange service, the customer has inconvenience to visit the corresponding point in order to receive the exchange money application and / or the money exchange application money amount. And, when the exchange window is troublesome, there is a problem that the customer has to take more time damage.

Korean Patent Laid-Open Publication No. 10-2010-0059756 discloses a system in which, in a server, predetermined exchange request information including a type of a currency to be exchanged and information on the amount of money to be exchanged is received from a user terminal for exchanging applications, Receiving account (or card) information; The server determines whether it is possible to withdraw money corresponding to the exchange application from the account (or card) in cooperation with the financial server (or terminal) corresponding to the received account (or card) information, Performing a money exchange process corresponding to the money exchange application when the amount corresponding to the money exchange application can be withdrawn; And a step of associating the exchange processing details exchanged by the server with the wireless terminal, the wireless terminal user information or the account (or card) information, and storing the processing result in a predetermined storage medium. Processing method has been published.

However, according to the above-described conventional technology, when using a foreign exchange settlement service on-line, it is difficult to distinguish between the same name and a large number of depositors, and when a foreign exchange service is used for traveling abroad, A large burden is felt.

Particularly, in the case of using PG company, a separate fee is charged to distinguish a banker through means such as a virtual account or the like, thereby increasing the burden on travelers.

In addition, even when foreign currency exchange is required during overseas travel, it is difficult to immediately exchange money because it is necessary to use a predetermined bank, and there is a problem that it is inconvenient to visit an area where money exchange is possible.

Korean Patent Publication No. 10-2010-0059756

In order to solve such problems, the present invention is devised by the background art described above, and it is an object of the present invention to provide a mapping system for matching and distinguishing depositors with money or unique code information at the time of exchange application, The present invention provides a system for providing a currency exchange service using a banknote distinguishing mapping system capable of real-time withdrawing and settlement of a money for which a currency exchange has been made.

It is an object of the present invention to provide a system for providing a currency exchange service using a banking distinction mapping system in which foreign travelers provide a service capable of real-time withdrawal and settlement of the money exchanged at the corresponding merchant.

According to an aspect of the present invention, there is provided a portable terminal comprising: a portable terminal provided by a user including a person preparing to travel abroad or a person traveling abroad; A membership subscription unit for providing subscription guidance information for users and subscription guidance information for a franchisee; A currency unit of the user and a currency unit of a country to be traveled, generates and transmits exchange request information for a currency unit of a currency unit of the travel destination, and transmits information on the exchange unit and information on the exchange unit A change request unit for displaying the unique code information to be transmitted; The electronic money corresponding to the exchange amount is transferred according to the exchange information for the exchange request information transmitted from the exchange request unit, the deposit amount deposited by the user, or the unique code information of the user for the deposit amount, A money exchange system interfacing with the depositor distinction mapping system according to whether the total cost information for a plurality of users or the same unique code information is provided; A banknote differentiating mapping system for generating the deposit amount information or the unique code information of the user in cooperation with the currency exchange system and transmitting the information to the currency exchange system and distinguishing users based on the deposit amount information and unique code information; A payment request signal, a payment request signal, or payment request information so that real-time withdrawal and settlement of the currency of the travel can be performed, generating a QR code for the withdrawal or settlement request information, and generating the QR code A withdrawal and settlement request unit for providing location information of an affiliate shop located adjacent to a city user and amount information on a remaining withdrawable amount excluding an amount to be withdrawn; An information providing unit for providing location information of an affiliate shop capable of real-time withdrawal and settlement, information of a withdrawable amount of the affiliate shop, and performing evaluation of exchange and withdrawal; A database for storing data provided from the money exchange system and the banknote distinguishing mapping system; And a merchant store management system for providing a travel agent currency corresponding to the requested withdrawal amount after authenticating the user, or performing a payment approval when there is a real-time withdrawal or a payment request through the withdrawal and settlement request unit.

According to an embodiment of the present invention, the exchange request unit may set a currency unit for the user's own station and a currency unit for the country to travel, and may set a currency unit for the user's country, A balance confirmation unit for providing the deposit information of the local currency of the user provided by the user and a currency change request history providing unit for providing the currency change request history information of the history of the user making the exchange request .

According to an embodiment of the present invention, the currency exchange system provides bank fee information on the currency exchange amount included in the currency exchange request information, and fee information generated when the exchange service providing system is used, and compares the fee information A fee comparison unit for providing fee difference information; A money changing amount calculating unit for providing information on a total cost generated when exchanging money using the bank and the money changing service providing system based on the fee information calculated through the fee comparing unit; Providing information on the total cost information on the local currency generated during the exchange and information on the converted amount of the travel currency generated after the exchange, and storing the account information to deposit the total cost on the local currency, And transmits a unique code information generation request signal to the user in cooperation with the depositor distinction mapping system when a deposit amount of the total cost for the domestic currency is different among a plurality of users, Information providing; And controlling the respective components constituting the currency exchange system. When the exchange request signal is transmitted from the portable terminal, it is checked whether or not the total cost for the local currency is deposited, and when the payment is confirmed, the electronic money And a money exchange control unit for providing money to the portable terminal.

According to an embodiment of the present invention, when the total amount of money to be paid to the local currency is the same among the plurality of users, the number of countries to travel is different, System.

According to an embodiment of the present invention, the depositor distinction mapping system may be configured such that the depositor distinction mapping system is configured to calculate the total amount of the deposit money to be deposited by the plurality of users provided in the currency exchange system in cooperation with the currency exchange system and the portable terminal, The unique code information for the deposit amount of the cost is generated and the deposit amount and unique code information of the total cost are matched with the CSV file to distinguish the users.

According to an embodiment of the present invention, the withdrawal and settlement request unit is configured to enable a withdrawal reservation for a withdrawal request. When a withdrawal reservation is made, a user specifies a location of a franchisee to withdraw and at the same time, And outputs the extracted QR code.

According to an embodiment of the present invention, the withdrawal and settlement request unit generates a QR code for the withdrawal or settlement request information, provides location information of an affiliate shop adjacent to the user at the time of generating the QR code, And provides amount information on the remaining withdrawable amount excluding the amount of money.

According to an embodiment of the present invention, the merchant store management system includes: a withdrawal amount setting unit for providing information on a withdrawable amount of the merchant and setting or changing a limit of the provided withdrawable amount; A merchant display unit for displaying fetch request information provided from the fetch and settlement request unit; A scan unit for scanning a QR code output to the portable terminal; The payment information is compared with the withdrawal or settlement request information provided from the scanning unit and the withdrawal or settlement request information displayed on the merchant display unit to provide the same or not, And a management control unit for managing the management information.

According to the embodiment of the present invention as described above, it is possible to prevent excessive exchange of money for overseas travel, and at the same time, it is possible to immediately withdraw and settle the necessary expenses in real time from the overseas travel destination through a low fee, So that the inconvenience of currency exchange can be minimized.

According to the embodiment of the present invention, it is possible to provide real-time withdrawals and real-time purchases of merchandise in real time by providing a withdrawable cost of an affiliate, It is possible to maximize the profit of the merchant and the promotion of the consumption.

According to the embodiment of the present invention, it is possible to match the different exchange fees for each country, and consumers can enjoy foreign travel at a minimum cost since they can exchange money through cheap exchange fees.

According to the embodiment of the present invention, it is possible to withdraw foreign travelers regardless of time and place even while traveling abroad, and to make a real-time settlement in the merchant, so that it is possible to enjoy more convenient and comfortable travel.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram schematically illustrating a system for providing a currency exchange service using a banknote distinguishing mapping system according to an embodiment of the present invention;
2 is a block diagram schematically illustrating a system for exchanging money according to an embodiment of the present invention;
FIG. 3 is a block diagram schematically showing a depositor distinction mapping system according to an embodiment of the present invention;
4 is a block diagram schematically showing a merchant management system according to an embodiment of the present invention.
FIGS. 5 to 20 are diagrams illustrating screen information implemented by a system for providing a currency exchange service using a banknote distinguishing mapping system according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In describing the components of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

FIG. 1 is a block diagram schematically showing a system for providing a currency exchange service using a depositor distinction mapping system according to an embodiment of the present invention. FIG. 2 to FIG. 4 are diagrams showing a system configuration of a currency exchange system, And a merchant management system. FIGS. 5 to 20 are diagrams illustrating screen information implemented by a currency exchange service providing system using a banknote distinguishing mapping system according to an embodiment of the present invention.

As shown in the figure, the exchange service providing system 100 of the present invention may be an application installed in a mobile terminal 10 such as a smart phone or a tablet PC provided by users, A user who travels may provide a currency exchange system 160 for exchanging money corresponding to a country to be traveled abroad through a portable terminal 10 capable of wireless communication, A service that enables real-time withdrawal through a merchant's point management system 180 or payment directly from a merchant.

In addition, when the exchange request for the same amount is requested from a plurality of users, the system 100 for providing the exchange service of the present invention may be configured such that the amount information to be deposited, which is issued to the plurality of users, And a settlement system 170 for discriminating a plurality of users by matching a CSV file corresponding to the amount of money, thereby providing a service system capable of exchanging, withdrawing, and real-time settlement through a cheaper fee.

The exchange service providing system 100 of the present invention includes a member subscription unit 110, a currency exchange request unit 120, a withdrawal and settlement request unit 130, an information providing unit 140, a database 150, A depositor identification system 160, a depositor distinction mapping system 170, and a merchant management system 180.

The membership subscription unit 110 is a member of a user who uses the exchange service providing system 100 through the mobile terminal 10 and a member of an affiliate shop. As shown in FIG. 5, And provides subscription guidance information for the respective users.

When the membership of the user (traveler) or the merchant is completed, the member subscription unit 110 transmits information about the user to the database unit 150 and stores the information, and stores login information for using the exchange service providing system 100 .

As shown in FIG. 6A, the member subscription unit 110 transmits, to the mobile terminal 10 having subscription through the subscription information for users, menu information about exchange, withdrawal, and real-time settlement during traveling And provides the main information for the user.

6B, when the subscription is made through the subscription guide information for the merchant, the member subscription unit 110 transmits the withdrawable balance information, the withdrawal payment and the settlement information through the merchant terminal connected to the merchant store management system 180 And information on the status of progress such as application, completion and cancellation of the merchant's main information.

The exchange request unit 120 generates exchange request information for allowing a user who has been logged in to exchange money in a currency unit for a country to be traveled and transmits the generated exchange request information to the exchange service 160, 7a, a user can set a currency unit for his / her own country (hereinafter referred to as the local currency) and a currency unit for the country to travel (hereinafter, referred to as traveling country currency).

For example, if the user is a Korean, the currency unit for his / her country will be set as KRW, and if the country to travel is Hong Kong, the currency unit for Hong Kong will be set as HKD.

In addition, the currency exchange request unit 120 is provided with a currency exchange input interface for inputting an amount for the travel currency to be exchanged. When the currency exchange amount of the travel currency to be exchanged is inputted through the currency exchange input interface, And provides information on the amount of currency to be deposited and the amount of money of the corresponding currency to be deposited.

That is, as shown in FIG. 7B, the currency exchange request unit 120 of the present invention includes a currency exchange request message including information on a country to which the user travels, currency unit information of a corresponding country, And transmits the generated exchange request information to a currency exchange system 160 to be described later so that the currency information of the local currency to be deposited by the user and the unique code information of the user to the currency exchange system 160 And is displayed on the portable terminal 10 of the user.

For example, when the exchange amount for the travel country currency to be exchanged is 10,000 (HKD), and the input of the exchange amount for the travel country currency is completed, the exchange request unit 120 transmits the exchange money to the exchange service 160 And the total amount of 1,444,797 (KRW) for the amount information of the local currency is displayed so that the necessary amount information of the local currency for the travel currency to be exchanged can be confirmed.

In addition, when the screen information of the currency exchange request unit 120 is provided through the portable terminal 10, the currency exchange request unit 120 of the present invention may be configured such that when the screen information of the currency exchange request unit 120 is provided, By constructing the confirmation unit, it is configured to be able to grasp information on a cost to be actually deposited before depositing the amount of the local currency provided by the exchange request unit 120. [

Also, the money exchange request unit 120 receives the amount information of the fee difference from the fee comparison unit 220 of the exchange system 160 to be described later, and displays the money information.

On the other hand, the exchange request unit 120 may configure the exchange request history providing unit so that the user can list the exchange request details for the details of the exchange request.

For example, the exchange request history providing unit displays the details of the user's exchange request by numerical value, and when the displayed portion is touched, information on the time of the exchange request, information on the local currency of the exchange amount, .

Meanwhile, when the exchange request information is transmitted in cooperation with the exchange request unit 120, the exchange system 160 of the present invention transmits a guidance message to the exchange request unit 120 so that the exchange request is updated At the same time, generates currency exchange data including fee information generated at the time of currency exchange, and provides the currency exchange data to the mobile terminal 10, and issues electronic money corresponding to the travel money according to the exchange.

The currency exchange system 160 includes a currency exchange interface 210, a fee comparison unit 220, a currency exchange amount calculation unit 230, a currency exchange information providing unit 240 and a currency exchange control unit 250.

The currency exchange interface unit 210 is configured as an input module so that users can use the currency exchange system 160 to make additional currency exchange, exchange, deletion, and addition of currency data of the travel money.

8, the fee comparison unit 220 compares the bank fee generated when exchanging money through the bank based on the exchange request information transmitted through the exchange request unit 120 and the exchange service providing system of the present invention 100) to provide commission information that occurs when exchanging money.

The commission comparison unit 220 compares the bank commission with the commission information of the present invention and provides the amount information of the commission difference resulting from the commission to the exchange request unit 120 so that the efficiency of the commission So that the user can confirm it.

The exchange amount calculation unit 230 compares the total cost incurred when exchanging money through the bank on the basis of the fee comparison information calculated through the fee comparison unit 220 and the total cost incurred by exchanging money through the exchange service providing system 100 of the present invention And the cost information of each of the calculated cost information can be provided through the portable terminal 10.

9A, the exchange information providing unit 240 provides information on the total cost information on the local currency generated during the exchange and the converted amount of the travel currency generated after the exchange, The account information for depositing the total cost for the banknote, the deposit note information, and the like.

As shown in FIG. 9B, the exchange information providing unit 240 transmits information on the progress of the exchange request and the completion of the exchange to the portable terminal 10 so that the real-time display is performed.

As shown in FIG. 10, the currency exchange information providing unit 240 can provide the information of the withdrawable amount with respect to the money exchange amount, and can be configured in the same form as a normal mobile app electronic wallet, When the withdrawable amount is touched in conjunction with the request unit 130, the withdrawal and settlement request unit 130 may be driven under the control of the currency exchange control unit 250. [

The currency exchange control unit 250 controls each component constituting the currency exchange system 160 and operates in conjunction with the currency exchange request unit 120 and the portable terminal 10 to exchange the currency exchange request information, .

When the exchange request signal is transmitted from the mobile terminal 10, the exchange control unit 250 transmits the exchange request signal to the user distinguishing unit 330 configured in the banker's system 170 to identify the unique code information And transmits the generated unique code information to the portable terminal 10 and displays the received unique code information through the exchange requesting unit 120. [

In addition, the currency exchange control unit 250 of the present invention checks whether or not the total cost for the local currency is transferred when a signal for the currency exchange application is transmitted through the portable terminal 10, and if the payment is confirmed, So that the corresponding electronic money can be generated and provided through the exchange information providing unit 240. [

The currency exchange system 160 of the present invention configured as described above is configured to transmit the exchange data to the database 150 and store the exchange data when the exchange data is generated. can do.

Meanwhile, the exchange control unit 250 of the present invention provides the total cost information on the local currency generated during the exchange through the exchange information providing unit 240, And provides the total cost information for the local currency provided through the depositor distinction mapping system 170. [

In other words, according to the present invention, when a total amount of money to be paid to a local currency is the same among a plurality of users using a foreign exchange system 160, A depositor distinction mapping system 170 is configured which saves a separate fee for distinguishing a plurality of users.

The depositor distinction mapping system 170 sets a deposit amount of the total cost for the national currency to be deposited by a plurality of users, generates information on the deposit amount of the set total cost as a CSV file, And matches the deposit amount with the CSV file to distinguish users based on the deposit amount information that the users deposit.

For example, the depositor distinction mapping system 170 has a user A who travels in a different country and a user B accesses information on the total amount of money provided through the exchange money calculation unit 230 of the currency exchange system 160 is 1,459,245 KRW 1,459,244 (KRW) is registered as the total deposit amount and transmitted to the portable terminal 10 of the user A through the exchange information providing unit 240, and the user B is paid 1,459,246 (KRW) And transmits the information to the portable terminal 10 of the user B, and generates the CSV file of the information about the total amount of deposited money.

Thereafter, when the user A and the user B deposit the total amount of deposited money into the account provided in the currency exchange information providing unit 240, the user A deposits 1,459,244 (KRW) in matching with the CSV file, The deposit information is provided to the currency exchange control unit 250 of the currency exchange system 160 so that the exchange money corresponding to the travel country currency corresponding to the country can be provided by electronic money, and to the depositor who deposits 1,459,246 (KRW) To make the exchange amount corresponding to the country to travel to be issued by electronic money.

This makes it possible to perform a function of a virtual account through differently set deposit amounts, thereby reducing a fee for creating a separate virtual account for distinguishing a plurality of users and preventing a money accident.

In addition, the depositor distinction mapping system 170 of the present invention assigns unique code information to users who have made a money change request to distinguish a plurality of users based on code information.

At this time, the unique code information may be composed of six virtual digits, but the present invention is not limited thereto, and may include a combination of numbers and letters.

The depositor distinction mapping system 170 of the present invention includes the deposit information providing unit 310, the deposit confirmation unit 320, the user distinguishing unit 330, the deposit alarm unit 340, and the mapping control unit 350 .

The deposit information providing unit 310 registers the deposit amount of the users having the same deposit amount among a plurality of users in cooperation with the exchange information providing unit 240 and transfers the deposit amount information about the total fixed cost to the exchange information providing unit 240 ) And generates a CSV file for the data.

Here, the deposit information providing unit 310 sets a lower limit and an upper limit of the deposit amount with respect to the total cost to be provided to a plurality of users, and if the deposit amount information exceeds the upper limit, transmits the information to the exchange control unit 250, To change the account information to be deposited.

For example, when the number of users having the same deposit amount is 200 or less, the lower limit is -100 (KRW) (1,459,145 (KRW)) and the upper limit is +100 (KRW) from the reference deposit amount (for example, 1,459,245 (KRW 1,459,345 (KRW)).

However, when the number of the same users exceeds 200, the account information to be deposited is changed and provided from the 201th user who exceeds the number.

Here, when the deposit information providing unit 310 provides the deposit amount to the fixed total cost to the exchange information providing unit 240, the deposit information providing unit 310 may provide a guide message informing that the deposit information is changed by the depositor identification mapping system 170 .

The deposit confirmation unit 320 checks whether or not the payment is made using the account information provided through the exchange information providing unit 240. If the payment is confirmed, the user identification unit 330 discriminates the payment When the discrimination is completed from the user distinguishing unit 330, information on the discrimination is transmitted to the currency exchange control unit 250 so as to exchange money.

However, if the deposit is not made even after a predetermined time has elapsed, a deposit request information message is sent through the deposit alarm unit 340.

When the information on the deposit amount of the total expense settled through the deposit information providing unit 310 is transmitted to the exchange information providing unit 240, the deposit confirming unit 320 confirms whether or not the deposit is made every predetermined time desirable.

When the unique code information generation request signal according to the exchange request signal received from the currency exchange control unit 250 is transmitted, the user distinguishing unit 330 generates unique code information and transmits the unique code information to the currency exchange control unit 250. At the same time, The inherent code information is transmitted to the deposit information providing unit 310 to generate the CSV file together with the deposit amount information for the total cost calculated.

The user distinguishing unit 330 matches the money information deposited through the deposit confirmation unit 320 and the unique code information generated according to the exchange request with the CSV file generated by the deposit information providing unit 310 to deposit the same amount And informs the deposit information to the deposit confirmation unit 320 so that electronic money issuance by currency exchange is made.

At this time, the user distinguishing unit 330 of the present invention can match the CSV file through only the information of the deposited amount information and the unique code information, but it is preferable that the unique identifier information corresponding to the deposited amount information It is preferable that after confirming the unique code information transmitted to the deposit information providing unit 310, the CSV file is matched only when each unique code information is identical.

The deposit alarm unit 340 sends a deposit request information message requesting the user to transfer money to the portable terminal 10 in case the payment confirmation unit 320 does not confirm whether or not the payment is made from the user who has made the money exchange application .

The mapping control unit 350 controls driving of the depositor distinction mapping system 170 and interlocks with the exchange control unit 250 of the exchange system 160 to drive the depositor distinction mapping system 170 according to whether the same depositor is generated It is a component to control.

The mapping control unit 350 transmits the CSV file generated through the deposit information providing unit 310, the data on the deposit information including the deposit amount and the deposit time confirmed through the deposit confirmation unit 320, The generated unique code information is transmitted to the database unit 150 to be stored, and the information on the deposit details corresponding to the user's request can be provided.

Meanwhile, in the exchange service providing system 100 of the present invention, the withdraw request signal and the withdrawal information are generated so that the real-time withdrawal of the currency of the travel station can be performed, and the settlement service can be performed in real- And a withdrawal and settlement request unit 130 which is displayed through the main information for the user.

11 and 12, the withdrawal and settlement request unit 130 may include a withdrawal amount interface for inputting an amount to be withdrawn, a user's current position, and map information and merchant location information about the user Can be provided together.

At this time, the withdrawal and settlement request unit 130 may provide location information of the affiliated merchant in cooperation with the information providing unit 140, and may provide only the location information of the affiliated merchant capable of withdrawing the withdrawal amount input by the user .

In addition, it is needless to say that the withdrawal and payment request unit 130 of the present invention can arrange the location information of the affiliated merchants in the vicinity of the user in order.

Meanwhile, the withdrawal and settlement request unit 130 of the present invention is configured to allow a withdrawal reservation for a withdrawal request. When the withdrawal reservation is made, the user specifies the location of the franchisee to be withdrawn, have.

At this time, it is needless to say that it is possible to generate the withdrawal QR code including the position of the designated merchant to be withdrawn and the withdrawal amount information.

Upon completion of setting and inputting the withdrawal amount through the withdrawal amount interface, the withdrawal and payment request unit 130 generates withdraw request information including the user's member information, withdraw request time, and withdrawal amount, 10).

At this time, as shown in FIG. 13, the withdrawal and settlement request unit 130 can confirm the address of the franchisee to which the withdrawal amount is withdrawn, the operation time, and the evaluation score evaluated by the members, thereby guiding the secure transaction .

In addition, the withdrawal and settlement request unit 130 may generate withdrawal request information in the form of a QR code as shown in FIG.

Here, the withdrawal and settlement request unit 130 of the present invention may include location information of an affiliate shop located near the user at the time of generating the QR code, that is, location information of an affiliate shop closest to the user out of the affiliate shop where the withdrawal amount can be withdrawn And provides image information about the appearance of the franchisee so that the user can find the franchisee more quickly.

The withdrawal and settlement request unit 130 transmits the withdrawal request information to the merchant management system 180 so that the withdrawal and payment request unit 130 transmits the withdrawal request information to the mobile terminal 300 via the scanning unit 440 of the merchant management system 180, 10 and the fetch request information transmitted to the merchant's point management system 180 so as to be authenticated.

In addition, the withdrawal and payment request unit 130 of the present invention generates withdraw request information for the withdraw request when the withdraw request is completed and stores the withdraw request information in the database unit 150. The withdraw request request information for the user is listed .

In addition, as shown in FIG. 15, the withdrawal and settlement request unit 130 of the present invention can provide an acknowledgment message regarding the final withdrawal amount, and at the same time, informs that a predetermined fee may be incurred when the withdrawal is made There may be more, but not limited to, a fee-giving guide message.

In addition, the withdrawal and settlement request unit 130 of the present invention may provide the amount information of the remaining withdrawable amount, excluding the inputted withdrawal amount.

Meanwhile, the withdrawal and settlement request unit 130 of the present invention is configured to perform real-time settlement according to the purchase of goods in the merchant using the exchange service providing system 100 of the present invention.

As shown in FIG. 16 and FIG. 17, the withdrawal and settlement request unit 130 provides a settlement amount input unit for inputting a settlement amount so that real-time settlement can be performed without a separate authentication process, Information is provided to confirm whether or not the payment can be made. When the amount to be paid is inputted, a QR code for payment is generated.

Accordingly, the user can present the QR code generated at the time of payment of the article purchased at the visited merchant, maximize the convenience of settlement as the payment is completed while reading the QR code.

At this time, the withdrawal and payment request unit 130 of the present invention may be configured to generate a QR code for settlement according to whether an amount to be paid is input, but the present invention is not limited thereto. For example, a barcode reading A QR code for payment may be automatically generated based on the price information of the goods.

In addition, in the exchange service providing system 100 of the present invention, when the user makes a request for withdrawal in the travel agent currency through the withdrawal and settlement request unit 130 during the travel, the location information of the affiliate shop An information providing unit 140 including an affiliated shop information providing unit including an affiliated shop location informing unit that provides information on the amount of money that can be withdrawn from the affiliated shop and an outlet information informing unit of the shop that provides withdrawable amount information of the affiliated shop.

In addition, the information providing unit 140 includes a user information providing unit including a user fetch information guide unit for providing information on a current fetchable amount of a user and a user location guide unit for providing current position information of the user.

After the exchange of money is completed, the information providing unit 140 is configured to perform an evaluation of the exchange service providing system 100 of the present invention and an evaluation unit capable of performing an evaluation on the merchant after the money is withdrawn from the merchant in real time .

Here, as shown in Fig. 18, the evaluating unit may be configured to evaluate by the number of stars, the satisfaction expressed by the numerical value, the character such as the evaluation comment, and the like.

In addition, in the exchange service providing system 100 of the present invention, the member and merchant information generated at the time of membership registration provided through the member subscription unit 110, the currency exchange data provided by the currency exchange system 160, 170, and a database 150 in which data regarding the deposit information, unique code information, and the CSV file are stored.

19 to 22, when the user using the exchange service providing system 100 has a real-time withdrawal or a payment request through the withdrawal and settlement request unit 130, And provides the travel agent currency corresponding to the requested withdrawal amount or real-time settlement, and is provided only to the franchisee terminal through which the subscription is made through the member subscription unit 110, from the withdrawal and payment request unit 130 Withdrawal, or payment request signal.

The franchise point management system 180 may be a POS terminal located in an affiliate shop or an affiliate terminal including a mobile terminal for an affiliate shop. The affiliate shop display unit 420, the affiliate shop interface 430, A scan unit 440, and a member DB 450. [

The management control unit 460 is configured to transmit and receive data in cooperation with the merchant management system 180 and the exchange service providing system 100.

The withdrawal amount setting unit 410 is a component that provides information on the withdrawable amount of the merchant, sets a limit of the provided withdrawable amount, or makes a change.

That is, as shown in FIG. 19, the withdrawal amount setting unit 410 may include a withdrawable amount providing unit for providing the presently obtainable amount of money information (cash balance) and a withdrawable amount providing unit for providing the withdrawable amount information to one side of the withdrawable amount providing unit And a menu section for setting.

In addition, the withdrawal amount setting unit 410 provides a sent back to your back account to the lower portion of the withdrawable amount providing unit so as to confirm the reliability of the merchant It will be possible.

The withdrawal amount setting unit 410 transmits the data to the affiliate DB 450 and saves the withdrawable amount to the information providing unit 140 through the management control unit 460, It is preferable that information on the changed withdrawable amount is exposed.

19, the merchant display unit 420 displays the withdrawal request information provided from the withdrawal and settlement request unit 130 so as to confirm the information on the user who made the withdrawal request.

In addition, as shown in FIG. 20, the franchise point display unit 420 of the present invention displays withdrawable balance information in order to provide a withdrawal service to users.

In addition, the merchant display unit 420 can display the information on the withdrawal or settlement cancellation from the withdrawal and settlement request unit 130, or the withdrawal amount (Right part of FIG. 20) are displayed in an accumulative form, whereby the merchant can confirm not only the information on the deposit amount for the withdrawal service but also the information on which the payment has been approved, as well as the withdrawal and payment service And information on the amount and time of the withdrawal can be individually confirmed.

The merchant point interface unit 430 is configured with an input module for inputting data such as the amount of withdrawable amount, the merchant point information change, and the like.

21, the scan unit 440 scans the QR code for withdrawal or the QR code for payment output to the user's portable terminal 10 when the user comes to the merchant for real-time withdrawal, (460).

The affiliate DB 450 stores the withdrawal and settlement request information provided from the withdrawal and settlement request unit 130, the information on the withdrawal amount provided according to the withdrawal and settlement request information, and the approved settlement information, The information of the user who has failed to be authenticated through the authentication unit 460 is stored.

22, the management control unit 460 controls the operation of the merchant point management system 180 and controls the operation of the merchant point management system 180 based on the withdrawal or payment request provided from the user's portable terminal 10 provided from the scanning unit 440 And the payment or withdrawal information displayed on the merchant display unit 420 provided from the withdrawal and settlement request unit 130 to read the same or not and provide the requested withdrawal amount or settlement approval .

It is to be understood that the terms "comprises", "comprising", or "having" as used in the foregoing description mean that the constituent element can be implanted unless specifically stated to the contrary, And all terms including technical or scientific terms are to be construed as further including other elements unless the context clearly dictates otherwise as generally understood by one of ordinary skill in the art to which this invention belongs. Have the same meaning.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. . Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: portable terminal 100: exchange service providing system
110: Member Subscription Section 120: Exchange Request Section
130: withdrawal and settlement requesting unit 140: information providing service
150: Database part 160: Money exchange system
170: Depositor distinction mapping system 180: Merchant management system
210: exchange interface unit 220: fee comparison unit
230: exchange money amount calculation part 240: exchange money information service part
250: money exchange control unit 310:
320: Deposit confirmation unit 330: User identification unit
340: deposit alarm unit 350: mapping control unit
410: withdrawal amount setting unit 420: Merchant point display unit
430: Merchant point interface unit 440: Merchant DB
450:

Claims (4)

A portable terminal provided by a user including a person preparing to travel abroad or a person traveling abroad;
A membership subscription unit for providing subscription guidance information for users and subscription guidance information for a franchisee;
A currency unit of the user and a currency unit of a country to be traveled, generates and transmits exchange request information for a currency unit of a currency unit of the travel destination, and transmits information on the exchange unit and information on the exchange unit A change request unit for displaying the unique code information to be transmitted;
The electronic money corresponding to the exchange amount is transferred according to the exchange information for the exchange request information transmitted from the exchange request unit, the deposit amount deposited by the user, or the unique code information of the user for the deposit amount, A money exchange system interfacing with the depositor distinction mapping system according to whether the total cost information for a plurality of users or the same unique code information is provided;
A banknote differentiating mapping system for generating the deposit amount information or the unique code information of the user in cooperation with the currency exchange system and transmitting the information to the currency exchange system and distinguishing users based on the deposit amount information and unique code information;
A payment request signal, a payment request signal, or payment request information so that real-time withdrawal and settlement of the currency of the travel can be performed, generating a QR code for the withdrawal or settlement request information, and generating the QR code A withdrawal and settlement request unit for providing location information of an affiliate shop located adjacent to a city user and amount information on a remaining withdrawable amount excluding an amount to be withdrawn;
An information providing unit for providing location information of an affiliate shop capable of real-time withdrawal and settlement, information of a withdrawable amount of the affiliate shop, and performing evaluation of exchange and withdrawal;
A database for storing data provided from the money exchange system and the banknote distinguishing mapping system; And
And a merchant management system for providing the travel agent currency corresponding to the requested withdrawal amount after authenticating the user and performing the payment approval when there is a real-time withdrawal or a payment request through the withdrawal and payment request unit,
The currency exchange system
A commission comparing unit for providing bank fee information on a money exchange amount included in the money exchange request information, fee information generated when a money exchange service providing system is used, and providing fee difference information by comparing the commission information;
A money changing amount calculating unit for providing information on a total cost generated when exchanging money using the bank and the money changing service providing system based on the fee information calculated through the fee comparing unit;
Providing information on the total cost information on the local currency generated during the exchange and information on the converted amount of the travel currency generated after the exchange, and storing the account information to deposit the total cost on the local currency, And transmits a unique code information generation request signal to the user in cooperation with the depositor distinction mapping system when a deposit amount of the total cost for the domestic currency is different among a plurality of users, Information providing; And
And controls the respective components constituting the currency exchange system. When the exchange request signal is transmitted from the portable terminal, it is checked whether or not the total cost for the local currency is deposited, and when the deposit is confirmed, the electronic money To the mobile terminal, and the money exchange control unit provides the money exchange service to the mobile terminal.
delete The method according to claim 1,
The depositor distinction mapping system matches the deposit amount of the total cost of the local currency to be deposited by the plurality of users provided in the currency exchange system and the unique code information thereof with the CSV file in cooperation with the exchange system and the portable terminal And distinguishing the users based on the deposit amount information and the unique code information.
The method according to claim 1,
The merchant management system
A withdrawal amount setting unit for providing information on a withdrawable amount of the corresponding merchant and setting or changing a limit of the provided withdrawable amount;
A merchant display unit for displaying fetch request information and payment request information provided from the fetch and settlement request unit;
A scan unit for scanning a QR code output to the portable terminal; And
The payment information is compared with the withdrawal or payment request information provided from the scanning unit and the withdrawal or payment request information displayed on the merchant display unit to provide the same or not, And a management control unit for managing the settlement service using the depositor distinction mapping system.

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