KR101872703B1 - Method for allowing foreign currency product to be traded in based on an exchange rate, server and user terminal using the same - Google Patents

Method for allowing foreign currency product to be traded in based on an exchange rate, server and user terminal using the same Download PDF

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KR101872703B1
KR101872703B1 KR1020150157000A KR20150157000A KR101872703B1 KR 101872703 B1 KR101872703 B1 KR 101872703B1 KR 1020150157000 A KR1020150157000 A KR 1020150157000A KR 20150157000 A KR20150157000 A KR 20150157000A KR 101872703 B1 KR101872703 B1 KR 101872703B1
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KR20170054178A (en
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이성주
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마이뱅크주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

According to an aspect of the present invention, there is provided a method for supporting the transaction of a foreign currency product at a predetermined exchange rate, the method comprising: (a) receiving at least one foreign currency product sale request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate; (B) receiving a foreign currency purchase request or a foreign currency purchase request for requesting purchase of a foreign currency, the server further comprising the steps of: The server receives at least a part of the foreign currency commodity to which the selling order in the top n ranking among the at least one foreign currency commodity to which the selling order is assigned is converted into a foreign currency commodity transaction reservation or foreign currency commodity transaction (C) determining the amount of the foreign currency commodity transaction or the amount of the foreign currency commodity transaction reservation The server determines whether the foreign currency commodity transaction or foreign currency commodity transaction reservation for the predetermined currency of the predetermined amount has been concluded according to the exchange rate of the foreign commodity determined as the target commodity, To generate or to generate the generated data.

Figure R1020150157000

Description

METHOD FOR ALLOWING FOREIGN CURRENCY PRODUCT TO BE TRADED IN BASED ON AN EXCHANGE RATE, SERVER AND USER TERMINAL USING THE SAME,

The present invention relates to a method, a server, and a user terminal for supporting a foreign currency commodity trading at a predetermined exchange rate. More particularly, the present invention relates to a method and a server for a foreign currency commodity exchange, A server, and a user terminal to support performing a foreign currency commodity transaction for a predetermined amount of money.

In the past, the public had to visit the bank to buy foreign currency, but from 2015, ordinary people can legally buy foreign currency through the exchange bank. As a result, foreign exchange transactions have been actively conducted against the general public at 1,400 foreign exchange counters registered at the Bank of Korea.

However, in general, private exchange banks offer a favorable exchange rate to their customers, but they are not so small in size as they can not efficiently inform their customers of exchange rate information. Accordingly, the inventor of the present invention can provide the real-time exchange rate information provided by the foreign exchange centers located in various parts of the country at a glance through the terminal through Korean Patent Application No. 2014-0152926 entitled " Exchange Rate Information Platform System and its Information Processing Method & I have invented a technology that supports cheap exchange through a money exchange.

However, it would be more convenient and profitable for foreign exchange users to purchase foreign currency products that offer a relatively favorable foreign exchange rate among the foreign exchange products provided by various exchange centers without having to directly compare the exchange rates. In this case, foreign exchange rates may be different depending on the time of the foreign currency purchased by the foreign exchange office.

Considering the above points, the inventor has proposed a foreign currency commodity in which foreign currency denomination can offer a currency exchange service at a favorable exchange rate to the customer, and the foreign currency denomination person can easily purchase the foreign currency commodity providing the favorable exchange rate among the provided foreign currency commodity Foreign currency commodity reverse auction system has come to be invented.

SUMMARY OF THE INVENTION The present invention has been made to solve all the problems described above.

In addition, the present invention provides a foreign currency commodity in which foreign exchange companies can offer currency exchange services at a favorable exchange rate to customers, and a foreign currency commodity purchaser can easily purchase a foreign currency commodity providing a favorable exchange rate among the provided foreign currency commodities, It is another object to provide a foreign currency commodity reverse auction system that promotes convenience and profit.

In addition, the present invention provides a plurality of foreign currency products, in which a plurality of foreign exchange terminals sell a predetermined currency of a predetermined amount at a predetermined exchange rate through a terminal, assigns a sales ranking to a plurality of foreign currency products, It is another object of the present invention to provide a foreign currency product reverse auction system in which at least a part of a foreign currency product having a sales ranking within the top n ranking among the plurality of foreign currency products can be purchased through the foreign currency auction.

In addition, the present invention allows foreign exchange users and foreign exchange companies to easily participate in foreign currency reverse auction through the terminal, and by receiving the foreign currency awarded in reverse auction by the foreign currency buyer at the airport, the foreign currency buyer can conveniently exchange foreign currency It is another purpose to make it possible to buy and receive.

In addition, when the foreign currency transaction reservation or the foreign currency transaction is performed and the right of receipt of the foreign currency receiver is identified, the card charged with the foreign currency is issued, and the foreign currency conveniently converted into the cash card form can be used It is another purpose to make it possible.

In order to accomplish the above object, a representative structure of the present invention is as follows.

According to an aspect of the present invention, there is provided a method for supporting the transaction of a foreign currency product at a predetermined exchange rate, the method comprising: (a) receiving at least one foreign currency product sale request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate; (B) receiving a foreign currency purchase request or a foreign currency purchase request for requesting purchase of a foreign currency, the server further comprising the steps of: The server receives at least a part of the foreign currency commodity to which the selling order in the top n ranking among the at least one foreign currency commodity to which the selling order is assigned is converted into a foreign currency commodity transaction reservation or foreign currency commodity transaction (C) determining the amount of the foreign currency commodity transaction or the amount of the foreign currency commodity transaction reservation The server determines whether the foreign currency commodity transaction or foreign currency commodity transaction reservation for the predetermined currency of the predetermined amount has been concluded according to the exchange rate of the foreign commodity determined as the target commodity, To generate or to generate the generated data.

According to another aspect of the present invention, there is provided a method for supporting a transaction of a foreign currency product at a predetermined exchange rate, the method comprising: (a) receiving at least one foreign currency product sale request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate; A sales order is assigned to each foreign currency product that is the object of the at least one foreign currency product sale request according to a predetermined condition by the server, and a foreign currency product purchase request for requesting purchase of the foreign currency or a foreign currency When a product purchase reservation request is input, the user terminal transmits at least a part of the foreign-currency commodity to which the sales ranking within the top n ranking among the at least one foreign- (B) if the user terminal determines that the foreign currency commodity transaction or the foreign currency commodity transaction And transmits the information corresponding to the amount of the foreign currency commodity transaction reservation to the server, and transmits to the server a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined currency of a predetermined amount based on the exchange rate of the foreign commodity determined as the target commodity, Transaction information or foreign currency commodity transaction reservation information.

According to another aspect of the present invention, there is provided a server for supporting a foreign currency product transaction at a predetermined exchange rate, the server comprising: (i) at least one foreign currency product sale requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate; (Ii) assigning a foreign currency product purchase request or a foreign currency product purchase request for purchasing a foreign currency item, when the request is obtained, assigning a sales ranking to each foreign currency product subject to the at least one foreign currency product sale request according to a predetermined condition; At least a part of the foreign currency goods to which the selling order in the top n ranking among the at least one foreign currency goods to which the selling order is assigned is determined as the foreign commodity trading or the foreign commodity trading reservation product And information corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is detected A database for supporting the generation or generation of foreign currency commodity transaction information or foreign currency commodity transaction reservation information indicating that a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined currency has been concluded in accordance with the exchange rate of the foreign commodity determined as the target commodity And a management unit.

According to a further aspect of the present invention there is provided a user terminal for supporting a transaction of a foreign currency product at a predetermined exchange rate, the user terminal comprising: (i) a processor for requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate, A sales order is assigned to each foreign-currency commodity that is the object of the at least one foreign-currency commodity sales request according to a predetermined condition by the server, and a foreign-currency commodity purchase request or a foreign-currency commodity purchase request Of the at least one foreign currency item to which the selling order has been assigned, at least a part of the foreign currency item to which the selling order in the highest ranking is assigned, (Ii) requesting that the foreign currency commodity transaction or the foreign currency commodity transaction reservation When the information corresponding to the amount is detected, the server transmits to the server the foreign currency commodity transaction information or the foreign currency commodity transaction information indicating that the predetermined amount of foreign currency commodity transaction or foreign currency commodity transaction reservation for the predetermined amount of money has been concluded according to the exchange rate of the foreign- A user terminal including a communication unit for supporting the generation of transaction reservation information is provided.

The present invention has the following effects.

In addition, the present invention provides a foreign currency commodity in which foreign exchange companies can offer currency exchange services at a favorable exchange rate to customers, and a foreign currency commodity purchaser can easily purchase a foreign currency commodity providing a favorable exchange rate among the provided foreign currency commodities, There is an effect of providing a foreign currency commodity reverse auction system that promotes convenience and profit.

In addition, the present invention provides a plurality of foreign currency products, in which a plurality of foreign exchange terminals sell a predetermined currency of a predetermined amount at a predetermined exchange rate through a terminal, assigns a sales ranking to a plurality of foreign currency products, The foreign currency commodity reverse bidding system according to the present invention provides a foreign currency commodity reverse bidding system that allows the exchange consumer to enjoy convenience and profit by purchasing at least a part of the foreign currency commodity having the sales ranking within the n ranking among the plurality of foreign currency commodities.

In addition, the present invention allows foreign exchange users and foreign currency exchange banks to easily participate in foreign currency reverse auction through the terminal, and by receiving the foreign currency won at the airport by the foreign currency buyer at the airport, foreign exchange users can conveniently exchange foreign currency It is effective to buy and receive at the airport.

In addition, when the foreign currency transaction reservation or the foreign currency transaction is performed and the right of receipt of the foreign currency receiver is identified, the card charged with the foreign currency is issued, and the foreign currency conveniently converted into the cash card form can be used .

1 is a conceptual diagram showing a configuration of a foreign currency transaction system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
FIG. 3 is a diagram showing an example of determining a target product when the amount of the foreign currency purchase request exceeds the amount of the foreign-currency commodity to which the sales ranking of the highest ranking is assigned.
4 is a diagram illustrating an example of determining a target product when the amount of foreign currency purchase request exceeds the amount of the first foreign currency commodity among a plurality of foreign currency commodities to which the highest ranking order is assigned.
5 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

For reference, in the present invention, the term " foreign currency product " may be a broad concept including various products related to foreign currency that can be traded at a predetermined exchange rate, foreign exchange ").

1 is a conceptual diagram showing a configuration of a foreign currency transaction system according to an embodiment of the present invention.

Referring to FIG. 1, a foreign exchange transaction system 1000 according to an embodiment of the present invention includes a server 100, a user terminal 200, a foreign exchange terminal 300, and a sender terminal 400.

Referring to FIG. 1, each of the plurality of foreign exchange terminals 30-1, 30-2, ..., 30-n receives a predetermined amount of money through the foreign exchange terminals 300-1, 300-2, ..., 300- At a predetermined exchange rate, and transmits the at least one foreign-currency product sale request to the server 100. At this time, the foreign currency product sale request may include foreign currency product information that is the object of the foreign currency product sale request. In the example shown in FIG. 1, the first foreign exchange terminal 300-1 transmits a sale request of the foreign currency product A to the server 100. FIG. The foreign exchange product A is a product that sells RMB 50,000 yuan at the exchange rate of 178 won. Similarly, the second foreign exchange 300-2 transmits a sale request for the foreign currency product B to the server 100. [ Foreign currency B is a product that sells RMB 5,000 yuan at the exchange rate of 180 won.

The server 100 may receive the at least one foreign currency product sale request and assign a sales ranking to each foreign currency product according to a predetermined condition. Here, the predetermined condition may include at least a part of the exchange rate of each foreign currency product and the acquisition order of each foreign currency product sale request. For example, the lower the exchange rate, the higher the sales ranking. In the same exchange rate, the sooner the foreign currency product sales request is input, the higher the sales ranking. In the example shown in FIG. 1, the lower the exchange rate is, the higher the sales ranking is given, and it can be understood that the sales ranking is given in the order of foreign currency product A, foreign currency product C and foreign currency product B. At this time, information on the foreign currency product and information on the sales ranking can be stored in the database.

A foreign currency purchase request for requesting purchase of a foreign currency or a foreign currency purchase reservation request for reserving a foreign currency purchase can be inputted through the user terminal 200 of the exchange customer. The user terminal 200 may transmit the input foreign currency purchase request or the foreign currency purchase reservation request to the server 100. [ The server 100 may determine at least a part of the foreign-currency commodity to which the sales ranking within the top n ranking among the at least one foreign-currency commodity to which the selling order is assigned, as the target commodity for the foreign-currency commodity transaction or the foreign-currency commodity transaction reservation. In the example of FIG. 1, when a foreign currency purchase request through the first user terminal 200-1 is input before the foreign currency purchase request through the second user terminal 200-2, It is possible to determine at least a part of the foreign currency commodity A having the highest ranking as the commodity for foreign currency commodity trading with the first user terminal 200-1. The user terminals 200-1 and 200-2 may be two or more, but for convenience of explanation, the user terminals 200-1 and 200-2 are two. If the user of the user terminal inputs information corresponding to the amount of the foreign currency product transaction or the foreign currency product transaction reservation, the foreign currency commodity transaction or the foreign currency commodity transaction reservation can be established.

That is, when information corresponding to the amount of the foreign currency transaction or the foreign currency transaction reservation is detected, the server 100 determines whether the foreign currency commodity transaction or the foreign currency commodity transaction reservation for the predetermined currency of the predetermined amount is performed according to the exchange rate of the foreign- To support the generation or generation of the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information indicating that the reservation of the foreign commodity transaction is concluded.

Here, the detection of the information corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation may be performed by: (i) depositing the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation into the virtual account; (ii) Or a virtual point corresponding to the amount of the foreign currency commodity transaction reservation is used, or (iii) a collateral corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is paid.

In addition, the server 100 may send the information about the specific place and the specific date and time to receive the foreign currency to the foreign currency receiver terminal so that the foreign currency receiver can receive the foreign currency at the specific date and time. At this time, as shown in FIG. 1, the foreign currency receiver terminal may be a user terminal 200-1 or a separate terminal. In the latter case, the recipient of the foreign currency and the user who purchased the foreign currency product may be different. However, even if the foreign currency receiver and the user who purchased the foreign currency product are the same, the foreign currency recipient terminal and the user terminal purchasing the foreign currency product may be different. For example, the user terminal that purchased the foreign currency product may be a stationary terminal, and the foreign currency receipt terminal may be a mobile terminal.

In addition, the server 100 transmits the information about the specific place and the specific date and time to at least a part of the delivery server (not shown) and the deliverer terminal, and dispatches the foreigner to the specific place on the specific date and time To the recipient. In the example shown in FIG. 1, the server 100 transmits information on a specific place and a specific date and time to the sender terminal 400, so that the sender having the sender terminal 400 is dispatched to a specific place on a specific date and time, To the recipient of the foreign currency. In such a case, the transporter may first visit a currency exchange where the foreign currency transaction is made to acquire the foreign currency in which the foreign currency transaction is made, and deliver it to the foreign currency recipient at a specific place on a specified date and time. The specific location may be the airport 40 as shown in FIG.

As described above, the present invention provides a foreign currency commodity in which a plurality of foreign exchange companies competitively exchange money at a favorable exchange rate, and a foreign currency commodity buyer can purchase a foreign currency commodity that provides favorable exchange rate among the provided foreign currency commodities, The foreign exchange product reverse auction system 1000 is provided.

Hereinafter, the structure of the server 100 will be described, and a method of supporting foreign currency commodity trading according to the present invention will be described in more detail.

2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.

Referring to FIG. 2, a server 100 according to an embodiment of the present invention may include a communication unit 110, a processor 120, and a database management unit 130.

First, the processor 120 is configured to perform various data operations and processes. Particularly, when at least one foreign currency product sales request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate is obtained, the processor 120 determines whether the foreign currency product sales request The sales ranking can be assigned to foreign currency products. More specifically, the communication unit 110, which will be described later, requests at least a predetermined number of currency exchange terminals 300-1, 300-2, ..., 300-n to sell a predetermined currency at a predetermined exchange rate One foreign currency product sale request can be received. The processor 120 may assign a sales order to each foreign currency product that is the subject of the received at least one foreign currency product sale request according to a predetermined condition. As described above, the predetermined condition may include at least a part of the exchange rate of each foreign currency product and the acquisition order of each foreign currency product sale request. Information on foreign currency products and information on the sales ranking can be stored in a database.

In addition, when a foreign currency purchase request for requesting purchase of a foreign currency or a foreign currency purchase reservation request for reserving a foreign currency purchase request is input, the processor 120 converts a foreign currency product having a high sales ranking into a foreign currency product transaction or a foreign currency product It can be decided as the target product of the transaction reservation. More specifically, the communication unit 110, which will be described later, can receive a foreign currency purchase request or a foreign currency purchase reservation request from the user terminal 200 of the exchange customer. In this case, At least a part of the foreign currency commodity to which the sales ranking within the top n ranking among the at least one foreign currency commodity to which the foreign currency commodity is assigned can be determined as the target commodity for the received foreign currency commodity transaction or foreign currency commodity transaction reservation.

At this time, the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is assigned the selling rank within the top n ranking among the at least one foreign currency goods to which the selling order is assigned If the amount of the foreign currency commodity exceeds the amount of the foreign commodity commodity, the processor 120 further adds the foreign commodity commodity to which the sales order of the order corresponding to the excess amount of the at least one foreign commodity commodity to which the selling order is given, It can be decided as target product of reservation.

FIG. 3 is a diagram showing an example of determining a target product when the amount of the foreign currency purchase request exceeds the amount of the foreign-currency commodity to which the sales ranking of the highest ranking is assigned.

3, a foreign currency item having a foreign currency amount of 10,000 yuan according to a foreign currency purchase request and having a ranking of the first highest ranking among at least one foreign currency item having a ranking of sales is denominated in a foreign currency item E . In this case, since the foreign currency amount due to the foreign currency product purchase request exceeds the amount of the foreign currency commodity to which the selling order of the highest ranking is assigned, the processor 120 determines that the foreign currency amount of 5,000 yuan The foreign-currency commodity F, which is a foreign-currency commodity to which the selling order of the order corresponding to the foreign-commodity commodity is given, may additionally be determined as the commodity of the foreign-currency commodity transaction. At this time, since the total amount of the foreign currency product F is 7,000 yuan, only 5,000 yuan of the foreign currency product F can be determined as the target commodity for the foreign currency commodity transaction.

Meanwhile, unlike the above-described embodiment, there may be a plurality of foreign currency products to which the sales ranks are equally given in the top n rank among at least one foreign currency products to which sales ranking is assigned. For example, there may be several foreign currency products with the highest sales ranking. In this case, the plurality of high-ranking foreign currency goods may be the foreign commodity transaction or the foreign commodity transaction reservation target merchandise. If the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is equal to or less than the first foreign currency value At least a portion of the second foreign currency commodity of the plurality of foreign currency commodities may be used to cover at least a portion of the excess amount if the amount of the foreign currency commodity is exceeded.

4 is a diagram illustrating an example of determining a target product when the amount of foreign currency purchase request exceeds the amount of the first foreign currency commodity among a plurality of foreign currency commodities to which the highest ranking order is assigned.

4, a foreign currency item having a foreign currency amount of 10,000 yuan according to a foreign currency purchase request and having a ranking of the highest ranking among at least one foreign currency item having a ranking of sales is 5,000 yuan, And 7,000 Yuan, respectively. The foreign currency amount due to the foreign currency product purchase request exceeds the amount of the first foreign currency product H among the plurality of foreign currency products to which the highest ranking order is assigned, and therefore, at least a part of the second foreign currency product I of 5,000 yuan May be used to cover the excess amount. The processor 120 can determine the foreign commodity I as the second commodity, which is the same as the foreign commodity H as the first foreign commodity, as the target commodity for the foreign commodity trading. In the example of FIG. 3, since the total amount of the foreign currency product I is 7,000 yuan, only 5,000 yuan of the foreign currency product I can be determined as the target commodity for the foreign currency commodity transaction. It goes without saying that a portion of the commodity H and a part of the commodity I may be summed up to 10,000 RMB.

Currency exchanges, on the other hand, can affect exchange rate competition by adjusting the exchange rate of unsold foreign currency products or by excluding them from foreign currency to be sold. In the latter case, the exchange office may withdraw the request to sell the foreign currency product. The processor 120 may change the sales order of each foreign currency product when the exchange rate of at least one foreign currency product is changed or the at least one foreign currency product sale request is withdrawn. For example, a currency exchange office may withdraw a request to sell foreign currencies in order to resell it when the exchange rate of the foreign currency product J rises due to a loss in case the exchange rate J falls below 181 won. To illustrate an example of adjusting the exchange rate of unsold foreign exchange products instead of withdrawing the sale, in the example of FIG. 4, the exchange station that issued the foreign exchange product J is a currency exchange where the exchange rate J is less than 181 won 179 won to influence the ranking of sales.

The processor 120 also controls the flow of data between the communication unit 110 and a database management unit 130, which will be described later. That is, the processor 120 controls the flow of data between the respective components of the server 100 to control the communication unit 110 and the database management unit 130 to perform unique functions.

The processor 120 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

As described above, the present invention provides a plurality of foreign currency products in which a plurality of foreign exchange facilities sell a predetermined currency of a predetermined amount at a predetermined exchange rate through a terminal, assigns a sales ranking to a plurality of foreign currency products, And provides a foreign currency product reverse auction system in which at least a part of a foreign currency product having a ranking of sales in the top n ranking among the plurality of foreign currency products can be purchased, thereby achieving the convenience and profit of the currency consumer.

Referring again to FIG. 2, when the target product of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is determined and the information corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is detected, Product transaction information or foreign currency commodity transaction reservation information. More specifically, when the information corresponding to the amount of the foreign-currency commodity transaction or the foreign-currency commodity transaction reservation is sensed, the database management unit 130 stores the foreign- It is possible to support creation or generation of foreign currency commodity transaction information or foreign currency commodity transaction reservation information indicating that a commodity transaction or a foreign currency commodity transaction reservation has been concluded. If there is a separate payment agent server (payment gateway server), the payment agent server (not shown) detects the information corresponding to the foreign-currency commodity transaction amount or the foreign-commodity transaction reservation amount for reserving the foreign-currency commodity transaction , Information indicating that the foreign currency commodity transaction amount or the foreign currency commodity transaction reservation amount has been paid to the server 100. The foreign currency commodity trading information or the foreign currency commodity trading reservation information generated as described above can be stored in the database.

On the other hand, if the information corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is not detected within a predetermined time, the processing of the foreign currency commodity transaction or the foreign currency commodity transaction reservation may be stopped.

The communication unit 110 is configured to transmit and receive various data to and from the user terminal 200 and the exchange counter terminal 300. Particularly, as described above, the communication unit 110 includes at least one of a plurality of exchange terminals 300-1, 300-2, ..., 300-n that request to sell a predetermined currency of a predetermined amount at a predetermined exchange rate The processor 120 can receive the foreign currency product sale request and support the processor 120 to assign a sales order to each foreign currency product that is the target of the received at least one foreign currency product sale request according to a predetermined condition. In addition, the communication unit 110 receives the foreign currency purchase request or the foreign currency purchase reservation request from the user terminal 200 of the exchange customer, and instructs the processor 120 to transmit the highest ranking Can be determined to be the target commodity for the received foreign currency commodity transaction or foreign currency commodity transaction reservation. In addition, the communication unit 110 may transmit the foreign currency transaction information or the foreign currency transaction reservation information to the foreign currency receipt authority terminal to transmit the foreign currency goods transaction or the foreign currency transaction for the predetermined amount of money in accordance with the exchange rate of the foreign- It is possible to support the merchandise transaction reservation. The foreign currency commodity transaction information or the foreign currency commodity transaction reservation information may include at least a part of foreign currency information to be traded, exchange rate information of a foreign currency transaction, and foreign currency transaction amount information.

In addition, the communication unit 110 may include a process of (i) generating an eigenvalue for identifying the receipt right of the foreign currency recipient and transmitting the eigenvalue to the foreign currency recipient terminal, and (ii) To the foreign currency receipt authority terminal so as to support the foreign currency receipt authority to receive the foreign currency at the specific date and time at the specific date and time. At this time, the eigenvalue may be the identification information of the foreign currency receiver.

In the above (ii), the communication unit 110 transmits information about the specific place and the specific date and time to at least a part of the delivery server and the deliverer terminal, dispatches the sender to the specific place on the specific date and time, And to transfer the foreign currency to the foreign currency receiver. Here, the delivery server is a server that manages the status of foreign currency delivery. The delivery server is a server that manages the status of foreign currency delivery, including information on the foreign currency commodity transaction information, foreign currency delivery place, foreign exchange supply money exchange information and foreign currency delivery date and time, At least some of them can be stored. The specific location may be the airport 40 as shown in Fig.

The recipient of a foreign currency can present a unique value that demonstrates the right to receive foreign currency at a particular location. The eigenvalue may be input to the sender terminal 400. The sender terminal 400 can transmit the inputted eigenvalue to the server 100 or the delivery server (not shown).

When the eigenvalue is transmitted to the server 100, the processor 120 compares the received eigenvalue with the generated eigenvalue and transmits information about the result of the comparison to the sender terminal 400, the delivery server, To at least a portion of the terminals. If the receipt authority of the foreign currency recipient is identified according to the eigenvalue, the foreign currency recipient can receive the foreign currency in cash at the specific location mentioned above. However, the foreign currency traded may be deposited into a predetermined account.

If the information indicating that the foreign currency receipt is completed is input to the sender terminal 400 after the foreign currency receiver receives the foreign currency, the sender terminal 400 can transmit the information indicating the receipt of the foreign currency to the server 100 or the delivery server have. In the case of reserving a foreign currency commodity transaction, the recipient of the foreign currency can receive the foreign currency at the remaining balance of the foreign commodity transaction amount excluding the foreign currency commodity transaction reserve amount. The communication unit 110 of the server 100 (or the communication unit of the delivery server) can transmit information indicating the completion of receipt of the foreign currency to the foreign currency recipient terminal and the delivery terminal 400. [ If the user terminal 200 is different from the foreign currency receiver terminal, information indicating the completion of foreign currency receipt may be transmitted to the user terminal 200 as well.

On the other hand, when the right of receipt of the foreign currency receiver is identified according to the eigenvalues as described above, the card charged with the purchased foreign currency can be issued. The person who receives the foreign currency can receive the issued card at the designated place (for example, at the airport) in the foreign currency commodity transaction application or foreign currency commodity transaction reservation application. The user can use the card to withdraw cash at ATMs in the airport or in the country where the currency is being used, or to make payments directly at the card merchant. When a card is used to withdraw cash or make a payment, the balance of the card is reduced by the withdrawed cash or payout.

If the charged amount of the card becomes insufficient by using the charged foreign currency, additional currency exchange may be performed on the card. That is, if the issued card is authenticated by inputting the unique number of the issued card, and the information corresponding to the additional exchange transaction amount for the specific currency is detected, the database management unit 130 updates the currency exchange transaction To generate or generate additional currency exchange information indicating that the currency of the currency exchange has been increased and to increase the balance of the card by the amount of additional currency exchange transactions.

If the card is used and there is a balance remaining, it may be reversed to the original currency. In this case, if the card is authenticated by inputting a unique number of the card or the like, and a request for reversing at least a part of the balance of the card is inputted through the terminal, the database management unit 130 updates the exchange rate To generate or generate reverse currency exchange information indicating that the currency exchange transaction has been completed and to reverse the foreign currency balance of the reverse exchange transaction on the card.

When a user trades a plurality of kinds of foreign currencies, a plurality of kinds of foreign currencies may be charged in the card. For example, a card of a person traveling in Europe can be charged in Euros, British Pounds, and Turkish Liras.

When a plurality of types of foreign currencies are charged as described above, the user may exchange a plurality of charged foreign currencies into different currencies. In this case, if a card charged with a plurality of types of calls is authenticated and a request for exchanging a predetermined amount of the first call among the card balance to a predetermined amount of the second call is input through the terminal, May assist in generating or generating currency exchange transaction information indicating that a currency exchange transaction has been concluded in accordance with a predetermined exchange rate and may assist in exchanging a predetermined amount of the first currency on the card to a predetermined amount of the second currency. For example, a traveler who left Turkey after finishing their trip to the UK could transfer the balance of pounds remaining on the card to Lira.

In addition, when a card of a foreign currency receiver is issued, if the card issued is authenticated, the foreign currency to be traded may be charged to the card issued. In this case, international remittance can be done easily. For example, if you want to transfer money from country A to country B, if the person's card issued in person B is authenticated, the foreign currency amount of the transaction can be charged to the person's card in country B. If you have a card for each business, you can use it for the purpose of collecting payments such as overseas shopping.

On the other hand, the above-mentioned card may include a virtual card such as a mobile app card as well as a physical card such as a magnetic card. When a virtual card is issued, the user can use the virtual card (in this case, the terminal in which the virtual card is stored) to withdraw cash at the ATM in the airport or the country where the currency is used, It is also possible to make a payment directly at a card merchant.

According to the present invention, when a user has a good exchange rate, foreign currency can be accumulated on a card in advance. You can also provide a deposit function if you are guaranteed a fixed rate for the reserve. In addition, in the case of a credit card user, the exchange rate is not only disadvantageous but also the risk of the exchange rate fluctuation is applied by the real-time exchange rate application. However, in the case of the present invention, . Also, if you are credited to a card that is affiliated with a bank, foreign exchange customers can deviate significantly from the anxiety that may arise from putting their money in advance and receiving money later.

On the other hand, if the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information is generated and the information corresponding to the foreign currency commodity transaction reservation balance is not detected after a predetermined date and time, the foreign currency commodity transaction or foreign currency commodity transaction reservation is canceled . When the foreign-currency commodity transaction reservation is canceled, the deposit can be paid to the service provider who manages the server 100 as the cancellation fee.

Hereinafter, the configuration and operation of the user terminal 200 according to various embodiments of the present invention will be described. However, the description of the contents overlapping with those described above will be omitted.

5 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 5, a user terminal 200 according to an exemplary embodiment of the present invention may include a processor 210 and a communication unit 220.

The processor 210 performs a function of controlling the flow of data between the communication unit 220 and other components to be described later. That is, the processor 210 controls the flow of data between the components of the user terminal 200, thereby controlling the communication unit 220 and other components to perform unique functions.

The processor 210 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

The communication unit 220 is configured to transmit and receive various information to and from the server 100. [ In particular, the communication unit 220 receives (i) at least one foreign currency product sales request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate, and (ii) A foreign currency product purchase request for requesting purchase of a foreign currency or a foreign currency product purchase reservation request for reserving a foreign currency product purchase is input to each foreign currency product that is the object of the foreign currency product purchase request of the foreign currency product, Request or a foreign currency product purchase reservation request to the server 100 to send at least a part of the foreign-currency commodity to which the sales ranking within the top n ranking among the at least one foreign- (Ii) requesting that the foreign commodity trade or the foreign commodity trading reservation be decided as the target commodity of When the information is detected, the server 100 transmits the foreign-currency commodity transaction information or the foreign-currency commodity transaction information indicating that the foreign-currency commodity transaction or the foreign-currency commodity transaction reservation for the predetermined currency of the predetermined amount has been concluded according to the exchange rate of the foreign- And to generate transaction reservation information.

Also, although not shown in the figure, the user terminal 200 may further include a user interface providing unit (not shown). The user interface providing unit may provide a user interface for providing a foreign currency goods reverse auction service according to the present invention. The user interface providing unit can display a user interface on a specific application or a web browser. The user terminal 200 may be a mobile terminal or a stationary terminal. If the user terminal 200 is a mobile terminal, the user interface may be provided through a dedicated application, In the case of the same stationary terminal, the user interface may be provided through a web browser, but is not limited thereto.

The user terminal 200 described above can be implemented in various mobile devices. For example, a smart phone, a tablet PC, a smart watch, a smart glasses, a PMP, an MP3 player, a PDA, a cell phone, a laptop computer, or any other mobile terminal device.

Meanwhile, the embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, 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 generated 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 device may be configured to operate as one or more software modules for performing the processing according to the present invention, 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, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.

30-1, 30-2, ... , 30-n: Currency exchange
40: Airport
100: Server
200, 200-1, 200-2: user terminal
300, 300-1, 300-2, ... , 300-n: exchange station terminal
110:
120: Processor
130:
210: Processor
220:

Claims (32)

A method for supporting foreign currency commodity trading at a predetermined exchange rate,
(a) when at least one foreign currency product sale request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate is obtained, the server obtains, for each foreign currency product sale request, A sales ranking,
(b) a foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated foreign currency denominated If the seller inputs the foreign currency purchase reservation request of the consumer who requests the foreign currency corresponding to the desired amount of purchase or the foreign currency purchase reservation request of the consumer to reserve the foreign currency product purchase, ) Determines the foreign commodity of the first seller as the target commodity for foreign currency commodity trading or foreign currency commodity trading reservation if the predetermined amount requested by the first seller is greater than or equal to the desired amount of purchase, and (ii) When the predetermined amount requested for sale by the first seller is smaller than the amount requested for sale by the first seller, (K is a natural number equal to or greater than 2 and equal to or less than n) by taking into account the foreign-currency commodities of at least one or more later-ranking sellers corresponding to the latter ranking of the commodities in a sequential manner Determining at least a part of the foreign merchandise of the first seller or foreign merchandise of the kth seller as the target merchandise of the foreign currency goods transaction or the foreign currency goods transaction reservation,
(c) a server for receiving foreign currency commodity transaction information or foreign currency commodity transaction reservation information indicating that a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined currency of a predetermined amount has been concluded according to the exchange rate of at least one foreign commodity determined as the target commodity To generate or generate
(d) The server transmits the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information to the terminal of the foreign currency receipt holder, and transmits the foreign currency commodity transaction or the foreign currency commodity transaction information for the predetermined currency Steps to support reservations for foreign currency trading
, ≪ / RTI &
In the step (d), the server generates a eigenvalue for identifying (i) the right of receipt of the receipt of the foreign currency, and transmits the eigenvalue to the foreign currency recipient terminal, and (ii) And transmitting the information on the specific place and the specific date and time to the foreign currency receipt authority terminal to support the foreign currency receipt authority to receive the foreign currency in the specific place at the specific date and time,
In the above (ii), the server transmits information on the specific place and the specific date and time to at least a part of the delivery server and the deliverer terminal, dispatches the person to the specific place on the specific date and time, To the recipient. ≪ / RTI > The method according to claim 1,
In the step (a)
Wherein the predetermined condition includes at least a part of the exchange rate of each foreign currency commodity and the acquisition order of each foreign currency commodity sales request. The method according to claim 1,
In the step (b)
Wherein the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is the foreign currency value , The foreign currency commodity to which the selling order of the order corresponding to the excess amount of the at least one foreign currency commodity to which the selling order is assigned is additionally determined as the target commodity for the foreign currency commodity trading or foreign currency commodity trading reservation . ≪ / RTI > The method according to claim 1,
In the step (b)
When there are a plurality of foreign currency products to which the sales ranks are equally assigned in the top n ranking among the at least one foreign currency products to which the sales ranks are assigned, the foreign currency amount or foreign currency amount corresponding to the foreign currency product purchase request or the foreign currency product purchase reservation request, If the amount of the domestic currency corresponding to the amount exceeds the amount of the first foreign currency commodity among the plurality of foreign currency commodities to which the same sales ranking is assigned in the ranking n, And to use at least a portion of the excess amount to cover. The method according to claim 1,
The server comprises:
Characterized in that when the exchange rate of at least one foreign currency product is changed or the at least one foreign currency product sale request is withdrawn, the selling order of each foreign currency product is changed accordingly. delete delete delete The method according to claim 1,
The server transmits information on a result of the comparison between the acquired eigenvalue and the generated eigenvalue to the donor terminal and the foreign currency receipt authority terminal when the eigenvalue is acquired by the donor terminal How to. The method according to claim 1,
If the receipt right of the foreign currency recipient is identified according to the eigenvalue, the server can support the foreign currency recipient to receive the foreign currency in cash, support the foreign currency to be deposited in the predetermined account, The method comprising: The method according to claim 1,
The foreign currency commodity transaction or the foreign currency commodity transaction reservation is not detected when the foreign currency receipt is not performed on a predetermined date or time after the generation of the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information, Lt; / RTI > The method according to claim 1,
In the step (c)
The detection of the information corresponding to the amount of the foreign-currency commodity transaction or the foreign-
(ii) a virtual point corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is used; or (iii) the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is transferred to the virtual account When the collateral corresponding to the commodity transaction or the amount of the foreign currency commodity transaction reservation is paid. A method for supporting foreign currency commodity trading at a predetermined exchange rate,
(a) at least one foreign-currency product sales request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate is obtained and the foreign-currency-commodity sales request (M is a natural number equal to or greater than 1 and equal to or less than n) of the foreign products to which the sales ranking is assigned and the sales ranking within the top n ranking among the at least one foreign currency products to which the sales ranking is assigned When the seller of the foreign currency product is called the mth seller and the foreign currency purchase reservation request of the consumer for reserving the foreign currency product purchase request or the foreign currency product purchase request of the consumer who requests the foreign currency corresponding to the desired purchase amount is inputted, (I) if the predetermined amount requested to be sold by the first seller is greater than or equal to the desired amount of purchase, the foreign- Or a foreign commodity trading reservation, and (ii) if the predetermined amount requested by the first seller is smaller than the desired purchase amount, the amount requested to be sold by the first seller (K is a natural number equal to or greater than 2 and equal to or less than n) consecutively considering at least one foreign seller of the later-ranked seller corresponding to the latter ranking of the first seller, Requesting at least a portion of the foreign-currency commodity of the first seller or the foreign-currency commodity of the k-th seller as the target commodity for the foreign-currency commodity transaction or the foreign-currency commodity transaction reservation,
(b) if the user terminal determines that the foreign currency commodity transaction or foreign currency commodity transaction reservation for the predetermined currency of a predetermined amount has been fulfilled according to the exchange rate of at least one foreign commodity determined as the target commodity, Supporting to generate foreign currency merchandise transaction reservation information, and
(c) receiving, by the user terminal, the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information and reserving a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined amount of money in accordance with the exchange rate of the foreign commodity determined as the target commodity Steps to Support
, ≪ / RTI &
Wherein the user terminal comprises: (i) a process of receiving a unique value for identifying a recipient of a foreign currency receipt from the server; and (ii) Further performing at least a part of a process of receiving information on the date and time and supporting the foreign currency receipt authority to receive the foreign currency in the specific place on the specific date and time,
Wherein when the eigenvalue is obtained by the sender terminal, the user terminal receives from the server information on a result of comparing the obtained eigenvalue and the received eigenvalue. 14. The method of claim 13,
In the step (a)
Wherein the predetermined condition includes at least a part of the exchange rate of each foreign currency commodity and the acquisition order of each foreign currency commodity sales request. 14. The method of claim 13,
In the step (a)
Wherein the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is the foreign currency value , The foreign currency commodity to which the selling order of the order corresponding to the excess amount of the at least one foreign currency commodity to which the selling order is assigned is additionally determined as the target commodity for the foreign currency commodity transaction or foreign currency commodity transaction reservation ≪ / RTI > 14. The method of claim 13,
In the step (a)
When there are a plurality of foreign currency products to which the sales ranks are equally assigned in the top n ranking among the at least one foreign currency products to which the sales ranks are assigned, the foreign currency amount or foreign currency amount corresponding to the foreign currency product purchase request or the foreign currency product purchase reservation request, If the amount of the domestic currency corresponding to the amount exceeds the amount of the first foreign currency commodity among the plurality of foreign commodity commodities to which the same sales ranking is assigned in the ranking n, at least a part of the second foreign commodity commodities And is used to cover at least a portion of the excess amount. 14. The method of claim 13,
Characterized in that when the exchange rate of at least one foreign currency product is changed or the at least one foreign currency product sale request is withdrawn, the sales order of each foreign currency product is changed accordingly. delete delete delete 14. The method of claim 13,
The foreign currency commodity transaction or the foreign currency commodity transaction reservation is not detected when the foreign currency receipt is not performed on a predetermined date or time after the generation of the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information, Lt; / RTI > 14. The method of claim 13,
In the step (b)
The detection of the information corresponding to the amount of the foreign-currency commodity transaction or the foreign-
(ii) a virtual point corresponding to the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is used; or (iii) the amount of the foreign currency commodity transaction or the foreign currency commodity transaction reservation is transferred to the virtual account When the collateral corresponding to the commodity transaction or the amount of the foreign currency commodity transaction reservation is paid. A server for supporting foreign currency products trading at a predetermined exchange rate,
(1) If at least one foreign currency product sales request requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate is obtained, (2) a sales ranking of m ranking (m is a natural number of 1 or more and n or less) among foreign currency products to which sales ranking within the top n ranking among the at least one foreign currency products to which the sales ranking is assigned is given When the seller of the foreign currency commodity purchase order is requested, the foreign-currency commodity purchase reservation request of the consumer for requesting the foreign currency corresponding to the desired purchase amount or the foreign-currency commodity purchase reservation request for reserving the foreign-currency commodity purchase (2-1) If the predetermined amount requested by the first seller is greater than or equal to the desired purchase amount, the foreign-currency commodity of the first seller is converted into a foreign- (2-2) if the predetermined amount requested by the first seller to sell is smaller than the desired purchase amount, the amount requested to be sold by the first seller is subtracted from the desired purchase amount, (K is a natural number equal to or greater than 2 and equal to or less than n) consecutively considering at least one foreign merchandise of the later-ranked seller corresponding to the latter ranking of the first seller, And determining at least a part of the foreign currency goods of the first seller or the foreign currency goods of the kth seller as the target goods of the foreign currency goods transaction or the foreign currency goods transaction reservation,
And supports to generate or generate foreign currency commodity transaction information or foreign currency commodity transaction reservation information indicating that a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined currency of a predetermined amount has been concluded according to the exchange rate of at least one foreign commodity determined as the target commodity And a database management unit,
The processor transmits the foreign currency transaction information or the foreign currency transaction reservation information to the terminal of the foreign currency receiver through the communication unit and transmits a foreign currency commodity transaction for a predetermined currency of a predetermined amount based on the exchange rate of the foreign currency commodity determined as the target commodity Or foreign currency product transaction reservation,
Wherein the processor is configured to: (i) generate an eigenvalue for identifying the receipt right of the foreign currency recipient and transmit the eigenvalue to the foreign currency recipient terminal; and (ii) To the foreign currency receipt authority terminal to support the foreign currency receipt authority to receive the foreign currency at the specific time and at the specific date and time,
In the above (ii), the processor transmits information on the specific place and the specific date and time to at least a part of the delivery server and the distributor terminal, and dispatches the foreigner to the specific place on the specific date and time, To the recipient. ≪ / RTI > 24. The method of claim 23,
Wherein the predetermined condition includes at least a part of the exchange rate of each foreign currency product and the acquisition order of each foreign currency product sale request. 24. The method of claim 23,
The processor comprising:
Wherein the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is the foreign currency value , The foreign currency commodity to which the selling order of the order corresponding to the excess amount of the at least one foreign currency commodity to which the selling order is assigned is additionally determined as the target commodity for the foreign currency commodity trading or foreign currency commodity trading reservation Lt; / RTI > 24. The method of claim 23,
When there are a plurality of foreign currency products to which the sales ranks are equally assigned in the top n ranking among the at least one foreign currency products to which the sales ranks are assigned, the foreign currency amount or foreign currency amount corresponding to the foreign currency product purchase request or the foreign currency product purchase reservation request, If the amount of the domestic currency corresponding to the amount exceeds the amount of the first foreign currency commodity among the plurality of foreign commodity commodities to which the same sales ranking is assigned in the ranking n, at least a part of the second foreign commodity commodities And is used to cover at least a portion of the excess amount. 24. The method of claim 23,
The processor comprising:
Wherein when the exchange rate of at least one foreign currency commodity is changed or the at least one foreign currency commodity sales request is withdrawn, the sales order of each foreign commodity is changed accordingly. A user terminal for supporting a foreign currency product transaction at a predetermined exchange rate,
Processor, and
(1) at least one foreign currency sale request for requesting to sell a predetermined currency of a predetermined amount at a predetermined exchange rate is obtained, and the server, in accordance with a predetermined condition, for each foreign currency goods to be the object of the at least one foreign currency sale sale request (M is a natural number equal to or greater than 1 and equal to or less than n) of the foreign products to which the sales ranking is assigned and the sales ranking within the top n ranking among the at least one foreign currency products to which the sales ranking is assigned When a seller of a foreign currency product is referred to as a supplier and a foreign currency product purchase reservation request for reserving a foreign currency product purchase request or a foreign currency product purchase request of a consumer who requests a foreign currency corresponding to the desired purchase amount is input, (1-1) If the predetermined amount requested to be sold by the first seller is greater than or equal to the desired purchase amount, the foreign-currency commodity of the first seller (1-2) If the predetermined amount requested to be sold by the first seller is smaller than the desired purchase amount, the amount requested to be sold by the first seller (K is a natural number equal to or greater than 2 and equal to or less than n) consecutively with respect to the remaining amount of the first seller, Requesting at least a part of the foreign-currency commodity of the first seller or the foreign-currency commodity of the k-th seller to be the target commodity for the foreign-currency commodity transaction or the foreign-currency commodity transaction reservation, 2) The server sends a predetermined amount of money to the server in accordance with the exchange rate of at least one foreign- But for the foreign currency, or commodity trading commodity trading reservation sacrament that represents foreign currency or commodity trading commodity trading information including the communication that help create a schedule information,
The processor receives the foreign currency commodity transaction information or the foreign currency commodity transaction reservation information through the communication unit and reserves a foreign currency commodity transaction or a foreign currency commodity transaction reservation for a predetermined amount of money in accordance with the exchange rate of the foreign commodity determined as the target commodity Support,
Wherein the processor receives from the server (i) a process for receiving a unique value for identifying a recipient of a foreign currency receipt and (ii) receiving information about a specific location and a specific date and time at which the foreign currency recipient receives the foreign currency, Further performing at least a part of the process of assisting the recipient to receive the foreign currency at the specific place on the specific date and time,
Wherein when the eigenvalue is obtained by the sender terminal, the processor receives from the server information on a result of comparing the obtained eigenvalue with the received eigenvalue through the communication unit. 29. The method of claim 28,
Wherein the predetermined condition includes at least a part of the exchange rate of each foreign currency product and the acquisition order of each foreign currency product sale request. 29. The method of claim 28,
Wherein the foreign currency amount corresponding to the foreign currency purchase request or the foreign currency purchase reservation request or the amount of the domestic currency corresponding to the foreign currency amount is the foreign currency value , The foreign currency commodity to which the selling order of the order corresponding to the excess amount of the at least one foreign currency commodity to which the selling order is assigned is additionally determined as the target commodity for the foreign currency commodity transaction or foreign currency commodity transaction reservation Lt; / RTI > 29. The method of claim 28,
When there are a plurality of foreign currency products to which the sales ranks are equally assigned in the top n ranking among the at least one foreign currency products to which the sales ranks are assigned, the foreign currency amount or foreign currency amount corresponding to the foreign currency product purchase request or the foreign currency product purchase reservation request, If the amount of the domestic currency corresponding to the amount exceeds the amount of the first foreign currency commodity among the plurality of foreign commodity commodities to which the same sales ranking is assigned in the ranking n, at least a part of the second foreign commodity commodities And is used to cover at least a portion of the excess amount. 29. The method of claim 28,
Wherein when the exchange rate of at least one foreign currency product is changed or the at least one foreign currency product sale request is withdrawn, the sales order of each foreign currency product is changed accordingly.
KR1020150157000A 2015-11-09 2015-11-09 Method for allowing foreign currency product to be traded in based on an exchange rate, server and user terminal using the same KR101872703B1 (en)

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