KR101972651B1 - Foreign currency remittance apparatus and method thereof - Google Patents

Abstract

In the foreign currency remittance method through the relay server, transmitting a first won-dollar exchange rate information request received from a remitter terminal to a domestic financial server, and the first won-dollar exchange rate information received from the domestic financial server. Setting exchange rate information on the basis of: transmitting the set exchange rate information to the remitter terminal; and after receiving a remittance request from the remitter terminal, transmitting a second won-dollar exchange rate information request to the domestic financial server. Step, if the second won-dollar exchange rate information received from the domestic financial server matches the first won-dollar exchange rate information, transmitting the remittance request to the domestic financial server, received from the domestic financial server Transmitting the virtual account number to the remitter terminal, receiving a deposit confirmation signal from the domestic financial server, and then sending the foreign account to the remitter and the recipient. Transmitting an authentication processing request, receiving an authentication completion signal from the foreign financial server, transmitting a settlement processing request to the domestic financial server, and transmitting a receipt password to the remitter terminal; When the remittance request is received from the relay server, the financial server transmits the virtual account number to the relay server, and when the deposit is confirmed from the terminal of the remitter corresponding to the virtual account number, a deposit confirmation signal to the relay server. Transmits and performs settlement processing in connection with the foreign financial server at a predetermined settlement processing time.

Description

Foreign currency remittance method and device therefor {FOREIGN CURRENCY REMITTANCE APPARATUS AND METHOD THEREOF}

Disclosed is a method for remitting foreign currency to a recipient using a virtual account number.

In the case of foreign currency remittance, there is a lot of information to input for remittance compared to the remittance of won (KRW), and it is cumbersome to input a lot of information when remitting foreign currency. Overload can occur because information must be transmitted and received with foreign financial servers.

In addition, in the conventional foreign currency remittance method, due to the difference between the exchange rate inquired before the transfer and the exchange rate at the time of remittance, the sender may have unexpected costs.

Disclosed are a method and apparatus for remitting foreign currency through simple information input.

The present invention discloses a method and apparatus that can be configured to remit foreign currency when the exchange rate before and after remittance is the same to prevent unexpected expenses.

In the foreign currency remittance method through the relay server, transmitting a first won-dollar exchange rate information request received from a remitter terminal to a domestic financial server, and the first won-dollar exchange rate information received from the domestic financial server. And setting exchange rate information based on remitter information, transmitting the set exchange rate information to the remitter terminal, and receiving a remittance request from the remitter terminal, requesting a second won-dollar exchange rate information to the domestic financial server. Transmitting, when the second won-dollar exchange rate information received from the domestic finance server matches the first won-dollar exchange rate information, transmitting the remittance request to the domestic finance server, the domestic finance server Transmitting the virtual account number received from the remitter terminal, receiving a deposit confirmation signal from the domestic financial server, and sending the remitter to an overseas financial server; Transmitting an authentication processing request for a recipient, receiving an authentication completion signal from the foreign financial server, transmitting a settlement processing request to the domestic financial server, and transmitting a receipt password to the remitter terminal; The domestic financial server transmits the virtual account number to the relay server when the remittance request is received from the relay server, and sends the deposit to the relay server when the deposit is confirmed from the terminal corresponding to the virtual account number. The payment confirmation signal is transmitted, and the settlement process is performed in conjunction with the foreign financial server at a predetermined settlement processing time point.

The remitter information may include a remittance limit, remittance fee and exchange rate preferential rate.

The setting of the exchange rate information may include receiving dollar-local currency exchange rate information requested by the foreign financial server, wherein the exchange rate information is the first won-running exchange rate information and the dollar-local currency exchange rate. It can be set based on the information.

The domestic financial server may perform authentication processing for the remitter and the recipient before transmitting the virtual account number.

The domestic financial server may unavailable the virtual account number when the deposit confirmation signal does not occur until a predetermined time or when the remittance cancellation signal is received from the remitter terminal before the predetermined time.

And after receiving the deposit confirmation signal from the domestic financial server, when receiving a refund request from the remitter terminal, transmitting the refund request to the domestic financial server. When the refund request is received before the settlement processing request, the refund information may be transmitted to the remitter terminal.

After receiving the deposit confirmation signal from the domestic financial server, if a refund request is received from the remitter terminal, a refund process may be performed based on the refund request and the deposit confirmation signal received until the settlement processing time.

The refund processing, if the amount information corresponding to the refund request received until the settlement processing time exceeds the amount information corresponding to the deposit confirmation signal received until the settlement processing time, the refund processing corresponding to the excess amount information (Next) A delay may be performed to be performed at a predetermined settlement processing time point.

The delayed refund processing may be performed according to a time sequence in which the refund request is received.

The preferred exchange rate may be applied to the remitter according to at least one of a remitter's subscription service period and a rate plan.

The relay server for performing the foreign currency remittance method includes a memory for recording a control program, a processor operating according to the control program, and a communication interface for transmitting and receiving information to and from a domestic financial server and an overseas financial server. Transmitting a first won-dollar exchange rate information request received from the terminal to a domestic financial server, and setting exchange rate information based on the first won-dollar exchange rate information and the remitter information received from the domestic financial server; And transmitting the set exchange rate information to the remitter terminal, after receiving a remittance request from the remitter terminal, transmitting a second one-dollar exchange rate information request to the domestic financial server, from the domestic financial server. If the received second won-dollar exchange rate information matches the first won-dollar exchange rate information, the transfer request is Transmitting to the financial server, transmitting the virtual account number received from the domestic financial server to the remitter terminal, receiving a deposit confirmation signal from the domestic financial server, and then authenticating the remitter and the recipient to an overseas financial server. Transmitting a request, after receiving an authentication completion signal from the foreign financial server, transmitting a settlement processing request to the domestic financial server, and transmitting a receipt password to the remitter terminal; When the transfer request is received from the relay server, the virtual account number is transmitted to the relay server, and when the deposit is confirmed from the remitter terminal corresponding to the virtual account number, the transfer confirmation signal is transmitted to the relay server. In addition, the settlement process is performed in conjunction with the foreign financial server at a predetermined settlement processing time.

The remitter information may include a remittance limit, remittance fee and exchange rate preferential rate.

The setting of the exchange rate information may include receiving dollar-local currency exchange rate information requested by the foreign financial server, wherein the exchange rate information is the first won-running exchange rate information and the dollar-local currency exchange rate. It can be set based on the information.

The domestic financial server may perform authentication processing for the remitter and the recipient before transmitting the virtual account number.

The domestic financial server may unavailable the virtual account number when the deposit confirmation signal does not occur until a predetermined time or when the remittance cancellation signal is received from the remitter terminal before the predetermined time.

And after receiving the deposit confirmation signal from the domestic financial server, when receiving a refund request from the remitter terminal, transmitting the refund request to the domestic financial server. When the refund request is received before the settlement processing request, the refund information may be transmitted to the remitter terminal.

After receiving the deposit confirmation signal from the domestic financial server, if a refund request is received from the remitter terminal, a refund process may be performed based on the refund request and the deposit confirmation signal received until the settlement processing time.

The refund processing, if the amount information corresponding to the refund request received until the settlement processing time exceeds the amount information corresponding to the deposit confirmation signal received until the settlement processing time, the refund processing corresponding to the excess amount information (Next) A delay may be performed to be performed at a predetermined settlement processing time point.

The delayed refund processing may be performed according to a time sequence in which the refund request is received.

The preferred exchange rate may be applied to the remitter according to at least one of a remitter's subscription service period and a rate plan.

Foreign currency can be remitted by simple information input.

If the exchange rate before and after remittance is the same, foreign currency can be remitted to prevent unexpected expenses.

1 illustrates a foreign currency remittance system.
2 is a block diagram of a relay server performing foreign currency remittance.
3 is a flowchart illustrating a method of performing a foreign currency remittance.

Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

Various modifications may be made to the embodiments described below. The examples described below are not intended to be limited to the embodiments and should be understood to include all modifications, equivalents, and substitutes for them.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of examples. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this specification, terms such as "comprise" or "have" are intended to indicate that there is a feature, number, step, action, component, part, or combination thereof described on the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

In addition, in the description with reference to the accompanying drawings, the same components regardless of reference numerals will be given the same reference numerals and duplicate description thereof will be omitted. In the following description of the embodiment, when it is determined that the detailed description of the related known technology may unnecessarily obscure the gist of the embodiment, the detailed description thereof will be omitted.

<Overview of Foreign Currency Transfer System>

1 illustrates a foreign currency remittance system.

The foreign currency remittance system includes a remitter terminal 100, a relay server 200, a domestic financial server 300, and an overseas financial server 400. The remitter terminal 100, the relay server 200, the domestic financial server 300, and the overseas financial server 400 may transmit and receive information to each other through a wired / wireless network.

The remitter terminal 100 refers to a terminal used by a person for remitting foreign currency to a recipient. For example, the remitter terminal 100 may be a terminal used by a person for remitting a foreign currency (US-Dollar) to the recipient. The remitter terminal 100 may be one of various types of terminals, such as a mobile phone, a smartphone, a tablet PC, a laptop computer, or a laptop.

The relay server 200 refers to an apparatus for relaying foreign currency remittance by transmitting information or requests received from the remitter terminal 100 to the domestic financial server 300 or the foreign financial server 400. The relay server 200 may receive a first won-dollar exchange rate information request, a remittance request, etc. from the remitter terminal 100, and the first won-dollar exchange rate information from the domestic financial server 300. A virtual account number, a deposit confirmation signal, and the like may be received, and an authentication completion signal may be received from the foreign financial server 400. In addition, the relay server 200 may transmit a first won-dollar exchange rate information request, a second won-dollar exchange rate information request, a remittance request, a settlement request, and the like to a domestic financial server 300, and an overseas financial server ( 400, the authentication request for the remitter and the recipient can be sent.

The domestic financial server 300 may refer to a server operated by a domestic financial institution (for example, Kookmin Bank) as an apparatus for performing a foreign currency remittance method. The domestic financial server 300 receives the won (KRW) information corresponding to the foreign currency to be remitted from the relay server 200, and relays the first won-dollar exchange rate information, the second won-dollar exchange rate information and the like. Information such as a virtual account number can be provided.

The foreign financial server 400 may refer to a server operated by an overseas remittance company (for example, Ria) or an overseas bank as an apparatus for performing a foreign currency remittance method. Overseas financial server 400 may receive the authentication request for the remitter and the recipient from the relay server 200, and may transmit the authentication completion signal to the relay server 200.

<Overview of Relay Server>

2 is a block diagram of a relay server 200 performing foreign currency remittance.

The relay server 200 includes a memory 210 for recording a control program, a processor 220 operating according to the control program, a communication interface 230 for transmitting and receiving information with the remitter terminal 100, and the like. The control program, transmitting the first won-dollar exchange rate information request received from the remitter terminal 100 to the domestic financial server 300, the first won-dollar exchange rate information received from the domestic financial server 300 And setting exchange rate information based on remitter information, transmitting the set exchange rate information to the remitter terminal 100, and after receiving a remittance request from the remitter terminal 100, the domestic financial server 300. Transmitting a second won-dollar exchange rate information request to the second won-dollar exchange rate information if the second won-dollar exchange rate information received from the domestic financial server 300 matches the first won-dollar exchange rate information; Transmitting to the domestic financial server 300, transmitting the virtual account number received from the domestic financial server 300 to the remitter terminal 100, receiving a deposit confirmation signal from the domestic financial server 300; After, overseas Transmitting the authentication processing request for the remitter and the recipient to the financial server 400, After receiving the authentication completion signal from the foreign financial server 400, and transmitting the settlement processing request to the domestic financial server 300 And transmitting a receivable password to the remitter terminal 100, wherein the domestic financial server 300, when the deposit is confirmed from the remitter terminal 100 corresponding to the virtual account number, the relay server 200 Transmits a confirmation signal to the payment, and performs settlement processing in connection with the foreign financial server 400 at a predetermined settlement processing time. The relay server 200 may further hold a database in which remitter information is recorded (not shown).

<Transfer Method>

3 is a flowchart illustrating a method of performing a foreign currency remittance.

The remitter terminal 100 transmits the first won-dollar exchange rate information request to the relay server 200 (S100). The relay server 200 transmits the first won-dollar exchange rate information request to the domestic financial server 300 (S102).

The relay server 200 transmits the first won-dollar exchange rate information request received from the remitter terminal 100 to the domestic financial server 300. The first won-dollar exchange rate information of the dollar (US-Dollar, $) compared to the won (KRW) held by the domestic financial server 300 at the time when the first won-dollar exchange rate information request is received from the relay server 200. It may mean exchange rate information.

In one example, when the won-dollar exchange rate information of 12:58, which is the time when the first won-dollar exchange rate information request is received from the relay server 200, is 1100: 1, the domestic financial server 300 is one dollar. The first won-dollar exchange rate information including the won-denominated exchange rate information of 1100 won can be generated.

The domestic financial server 300 transmits the first won-dollar exchange rate information to the relay server 200 (S104). The relay server 200 sets exchange rate information based on the first won-dollar exchange rate information and the remitter information (S106). The relay server 200 transmits exchange rate information to the remitter terminal 100 (S108).

In one example, the domestic financial server 300 may transmit the first won-dollar exchange rate information including the exchange rate information of 1100 won per dollar to the relay server 200.

The remitter information may further include a remittance limit, remittance fee and exchange rate preferential rate. That is, the relay server 200 may set the exchange rate information based on the remittance limit, the remittance fee and the exchange rate preferential rate. The remittance limit, remittance fee and exchange rate preferential rate may be set to a default value and may be changed. Remittance limits can be set differently for specific time periods (eg 1 day, January or 1 year) or events (eg 1). The remittance fee may include at least one of basic fee information, maximum fee information, and minimum fee information. The exchange rate preferential rate may include at least one of a basic exchange rate preferential rate and a remitter's exchange rate preferential rate.

In one example, the remittance limit per period or case may be set to a daily remittance limit of $ 4000, a January remittance limit of $ 10000, a one-year remittance limit of $ 20,000, and a single remittance limit of $ 2000.

In another example, the transfer fee may be set to a basic fee of 1.5%, a maximum fee of 15,000 won, and a minimum fee of 5,000 won.

In another example, the exchange rate preferential rate may include a basic exchange rate preferential rate of 50%.

In another example, the preferred exchange rate may be applied to the remitter according to at least one of the remitter's communication service subscription period and the plan. In other words, the relay server 200 considers at least one of the remitter's communication service (for example, mobile communication, Internet, IPTV, Internet phone service) subscription period and the plan for the communication service, the preferred exchange rate for the remitter Can be applied.

If the sender wants to send money to the beneficiary is a currency other than the United States (ie, a currency other than US Dollar, such as Iceland's Krone or Mongolia's Tugrik), the relay server 200 will transfer the local currency. Dollar-local currency exchange rate information, which is exchange rate information between the dollar and the dollar, may be requested to the foreign financial server 400. When the foreign currency server 400 receives a request for exchange rate information of the local currency, the foreign currency server 400 may transmit the exchange rate information of the local currency to the relay server 200. When the dollar-local currency exchange rate information is further received from the foreign financial server 400, the relay server 200 may set exchange rate information by further using the dollar-local currency exchange rate information.

In an example, when the first won-dollar exchange rate information is 1100: 1 and the dollar-local currency exchange rate information is 1: 1100, the relay server 200 exchanges the exchange rate information based on the ratio between the won (KRW) and the local currency. Can be set to 1: 1.

The remitter information may further include information on at least one of an ID, a plan, a subscription period, and a usage amount of the mobile communication service used by the remitter terminal 100. The relay server 200 may further hold a database in which the remitter information is recorded. The relay server 200 may search for remitter information corresponding to the remitter terminal 100 by referring to a database. The relay server 200 may set exchange rate information by further using ID, rate plan, subscription period, and usage information of the mobile communication service included in the first won-dollar exchange rate information and remitter information.

The relay server 200 remittances the higher the price of the mobile communication service plan used by the remitter, the longer the remitter's subscription period is, and the more the previous month's usage of the remitter's mobile communication service (for example, currency or data). You can set lower limits and remittance fees, and set higher rates of exchange rates. Remittance limit, remittance fee and exchange rate preferential rate corresponding to price, subscription period and usage of mobile communication plan may be recorded in advance in database.

In one example, the relay server 200 refers to the remitter information in the database to set a remitter's daily remittance limit of $ 2000, using a plan that pays 45,000 won a month, and pays a fee of 75,000 won a month. You can set the sender's daily remittance limit to $ 4000.

In another example, the relay server 200 sets the transfer fee of the remitter whose subscription period is 3 years or more to 1.4% of the remittance amount by referring to the remitter information of the database, and the remitter whose subscription period is 5 years or more. You can set a remittance fee of 1.2% of the remittance amount.

In another example, the relay server 200 sets the exchange rate preferential rate of the remitter whose mobile communication service usage is 70,000 won or more to 70% by referring to the remitter information of the database, and the transferor who uses the mobile communication service of 100,000 won or more last month. The exchange rate preferential rate can be set to 90%.

In another example, the relay server 200 has a won-dollar exchange rate of 1100: 1, a daily remittance limit of $ 2000, and a remittance fee of 1.4% based on the first won-dollar exchange rate information and the remitter information. The exchange rate information may be set based on the remitter information having the exchange rate preferential rate of 70%, and the set exchange rate information may be transmitted to the remitter terminal 100.

The remitter terminal 100 transmits the remittance request to the relay server 200 (S110). The relay server 200 transmits a second won-dollar exchange rate information request to the domestic financial server 300 (S112). The domestic financial server 300 transmits the second won-dollar exchange rate information to the relay server 200 (S114).

The remitter terminal 100 may display exchange rate information received from the relay server 200. The remitter terminal 100 transmits the remittance request generated based on the remittance amount information received from the remitter and the account information of the payee to the relay server 200.

When the remittance request is received from the remitter terminal 100, the relay server 200 requests second won-dollar exchange rate information from the domestic financial server 300. The second won-dollar exchange rate information may mean exchange rate information of the dollar (Dollar) compared to the won (KRW) held by the domestic financial server 300 at the time when the second won-dollar exchange rate information is requested from the relay server 200. have.

In one example, when the won-dollar exchange rate information of 13: 5, which is the point in time when the second won-dollar exchange rate information request is received from the relay server 200, is 1100: 1, the domestic financial server 300 is one dollar. The second won-dollar exchange rate information including the exchange rate information of 1100 won can be generated. The domestic financial server 300 may transmit the generated second won-dollar exchange rate information to the relay server 200.

When the first won-dollar exchange rate information and the second won-dollar exchange rate information match, the relay server 200 transmits the remittance request to the domestic financial server 300 (S116).

The relay server 200 compares the first won-dollar exchange rate information that is held with the second won-dollar exchange rate information received from the domestic financial server 300 to determine whether the relay server 200 matches. When the first won-dollar exchange rate information and the second won-dollar exchange rate information match, the relay server 200 may transmit the remittance request to the domestic financial server 300. The relay server 200 may not transmit the remittance request to the domestic financial server 300 when the first won-dollar exchange rate information and the second won-dollar exchange rate information do not match.

In one example, when both the first won-dollar exchange rate information and the second won-dollar exchange rate information are 1100: 1, the relay server 200 may transmit the remittance request to the domestic financial server 300.

In another example, when the first won-dollar exchange rate information is 1100: 1 and the second won-dollar exchange rate information is 1105: 1, the relay server 200 transmits the remittance request to the domestic financial server 300. Instead, a message indicating that a change in exchange rate information may be transmitted to the remitter terminal 100.

The domestic financial server 300 transmits the virtual account number to the relay server 200 (S118). The relay server 200 transmits the virtual account number to the remitter 100 (S120).

When the domestic financial server 300 receives a remittance request from the relay server 200, the domestic financial server 300 generates a virtual account number corresponding to the remitter terminal 100 that has transmitted the remittance request and transmits it to the relay server 200. When the domestic financial server 300 has previously generated a virtual account number corresponding to the remitter terminal 100, the domestic financial server 300 may transmit the existing virtual account number to the relay server 200 without generating a new virtual account number. have.

In one example, the domestic financial server 300 may generate a virtual account number 9999-11663251 and transmit it to the relay server 200, the relay server 200, the virtual account number 9999 received from the domestic financial server 300 -11663251 may be transmitted to the remitter terminal 100.

The virtual account number may be set to be available only within a predetermined time (for example, within 20 minutes from when the virtual account number is generated). That is, when the deposit information is not received from the remitter terminal 100 within a predetermined time from the time when the virtual account number is generated, the domestic financial server 300 may invalidate the virtual account number (Unavailable).

In one example, the domestic financial server 300 invalidates the virtual account number by changing the virtual account number to the state that cannot be remitted when 20 minutes, a predetermined time elapses, and the "domestic financial server 300 is virtual. Account number usage time exceeded "message can be sent to the remitter terminal 100.

The domestic financial server 300 may perform an authentication process for the remitter and the recipient before transmitting (or generating) the virtual account number. Specifically, the domestic financial server 300 may further include a blacklist database (not shown), and may determine whether to issue a virtual account number with reference to the blacklist database. Specifically, the blacklist database may record information on the person who caused the financial accident, such as voice phishing, cannon bank use history or money laundering, and generates a virtual account number depending on whether the remitter or payee information exists in the blacklist You can decide whether or not.

In one example, the domestic financial server 300 may not issue a virtual account number or delay the issuance of the virtual account number when information on the remitter or the payee exists in the blacklist database. In this case, the domestic financial server 300 may transmit a message related to the delay of the virtual account number to the remitter terminal 100 or the relay server 200.

In another example, the domestic financial server 300 may generate a virtual account number, and then perform an authentication process for the remitter and the recipient. That is, after generating the virtual account number, if it is determined that the remitter or the payee information exists in the blacklist database, the generated virtual account number may be invalidated (Unavailable).

The remitter terminal 100 deposits the amount to be remitted to the virtual account number (S122). The domestic financial server 300 transmits a deposit confirmation signal to the relay server 200 (S124).

In one example, when the remitter deposits the remittance amount 302,000 won to the virtual account number 9999-11663251 through the remitter terminal 100, the domestic financial server 300 may generate a deposit confirmation signal and transmit it to the relay server 200. . The remittance amount 302,000 won is the actual amount (for example, 300,000 won) for delivery to the recipient, a fee for the domestic financial server 300 (for example, 1000 won), a fee for an overseas financial server 400 (for example For example, it may be an amount including 1000 won).

When the relay server 200 receives the deposit confirmation signal from the domestic financial server 300, and receives a refund request from the remitter terminal 100, the relay server 200 transmits the refund request to the foreign financial server 400 and the domestic financial server 300. ) Can be sent. When the foreign financial server 400 receives the refund request from the relay server 200, the foreign financial server 400 may transmit an Ack for the refund request to the relay server 200. When the refund request is received prior to the settlement processing request, the domestic financial server 300 transmits a refund approval signal to the relay server 200 and performs a refund processing on all remittances transferred by the remitter to the virtual account number. Can be.

The relay server 200 may perform the refund processing based on the refund request received from the remitter terminal 100 and the deposit confirmation signal from the domestic financial server 300 until the predetermined settlement processing time. Specifically, the relay server 200 lists a refund request received up to a predetermined settlement processing point for batch processing, and the sum of the settlement request is the sum of the refund request at the predetermined settlement processing time. If larger, refund processing can be performed. The relay server 200 may delay to perform a refund processing corresponding to the amount exceeding the settled refund amount at a next settlement processing time when the settled amount is smaller than the sum of the refund request at the predetermined settlement processing time (Next). Delay).

The relay server 200 may perform a delayed refund process according to a time sequence in which the refund request is received from the remitter terminal 100. In one example, the relay server 200 may be refunded the earlier the refund request received earlier from the remitter terminal 100 during the delayed refund processing. On the contrary, the relay server 200 may process the refund later as the refund request received earlier from the remitter terminal 100 during the delayed refund processing.

The relay server 200 transmits the authentication request for the remitter and the recipient to the overseas financial server 400 (S126). Overseas financial server 400 transmits the authentication completion signal to the relay server 200 (S128).

When receiving the deposit confirmation signal from the domestic financial server 300, the relay server 200 may transmit the authentication request for the remitter and the recipient to the foreign financial server (400). The foreign financial server 400 may further include a blacklist database, and may perform authentication processing for the remitter and the recipient by referring to the blacklist database. Specifically, the blacklist database may record information about the person who caused the financial accident, such as voice phishing, cannon bank use history or money laundering, and performs authentication processing based on whether the remitter or payee information exists on the blacklist. Can be done.

In one example, the foreign financial server 400 may set the result of the authentication process for the sender and the recipient to the authentication completion, if the information about the sender and the recipient does not exist in the blacklist database. The overseas financial server 400 may transmit the authentication completion signal to the relay server 200 when the authentication process result of the remitter and the recipient is authentication completion.

In another example, when the information on the remitter and the payee exists in the blacklist database, the overseas financial server 400 may set the authentication processing result for the remitter and the payee as the authentication failure. When the authentication processing result is the authentication failure, the foreign financial server 400 may transmit the authentication failure signal to one of the remitter terminal 100, the relay server 200, or the domestic financial server 300.

The relay server 200 transmits a settlement processing request to the domestic financial server 300 (S130). The domestic financial server 300 performs settlement processing in connection with the overseas financial server 400 at a predetermined settlement processing time (S132).

When the relay server 200 receives the authentication completion signal from the overseas financial server 400, the relay server 200 may transmit a settlement processing request to the domestic financial server 300. When the domestic financial server 300 receives a settlement processing request from the relay server 200, the domestic financial server 300 may perform settlement processing in connection with an overseas financial server 400 at a predetermined settlement processing time (for example, every day at 23:00). Can be. That is, the settlement process may be performed by a batch processing method.

The settlement process compares the remittance related information (for example, exchange rate information, remitter information, remittance information, remittance time, etc.) held by the relay server 200, the domestic financial server 300 and the foreign financial server 400, respectively, As a result of the comparison, when the remittance related information is matched, the domestic financial server 300 may perform the remittance information corresponding to the virtual account number to the foreign financial server 400.

In one example, when the remittance amount is 302,000 won, the domestic financial server 300 transmits the information related to the payment amount 300,000 won and the fee information 1000 won for the foreign financial server 400 to the foreign financial server 400 during the settlement process And, the information related to the 1000 won fee for the domestic financial server 300 included in the remittance amount 301000 may be recorded in the database storing the remittance history.

The relay server 200 transmits the receipt password to the remitter terminal 100 (S134).

When the settlement processing completion signal is received from the domestic financial server 300 or the overseas financial server 400, the relay server 200 receives the payment to the remitter terminal 100 through a method such as an app push, a text or a telephone. Password can be sent. Receipt password is information that the Recipient must enter to receive remittance money and may include a combination of letters, numbers and special symbols. The remitter may transmit the receivable password to the remittee terminal via the remitter terminal 100. The recipient can receive the remittance amount by inputting the received receipt password.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the devices and components described in the embodiments may be, for example, processors, controllers, arithmetic logic units (ALUs), digital signal processors, microcomputers, field programmable arrays (FPAs), It may be implemented using one or more general purpose or special purpose computers, such as a programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to the execution of the software. For convenience of explanation, one processing device may be described as being used, but one of ordinary skill in the art will appreciate that the processing device includes a plurality of processing elements and / or a plurality of types of processing elements. It can be seen that it may include. For example, the processing device may include a plurality of processors or one processor and one controller. In addition, other processing configurations are possible, such as parallel processors.

The software may include a computer program, code, instructions, or a combination of one or more of the above, and configure the processing device to operate as desired, or process it independently or collectively. You can command the device. Software and / or data may be any type of machine, component, physical device, virtual equipment, computer storage medium or device for the purpose of interpreting or providing instructions or data to the processing device. Or may be permanently or temporarily embodied in a signal wave to be transmitted. The software may be distributed over networked computer systems so that they may be stored or executed in a distributed manner. Software and data may be stored on one or more computer readable recording media.

The method according to the embodiment may be embodied in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the media may be those specially designed and constructed for the purposes of the embodiments, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Although the embodiments have been described by the limited embodiments and the drawings as described above, various modifications and variations are possible to those skilled in the art from the above description. For example, the described techniques may be performed in a different order than the described method, and / or components of the described systems, structures, devices, circuits, etc. may be combined or combined in a different form than the described method, or other components. Or even if replaced or substituted by equivalents, an appropriate result can be achieved.

Therefore, other implementations, other embodiments, and equivalents to the claims are within the scope of the claims that follow.

Claims (20)

In the foreign currency remittance method through the relay server,
Transmitting a first Won-Dollar exchange rate information request received from a remitter terminal to a domestic financial server;
Setting exchange rate information based on first won-dollar exchange rate information and remitter information received from the domestic financial server;
Transmitting the set exchange rate information to the remitter terminal;
Receiving a remittance request from the remitter terminal, and transmitting a second won-dollar exchange rate information request to the domestic financial server;
If the second won-dollar exchange rate information received from the domestic finance server matches the first won-dollar exchange rate information, transmitting the remittance request to the domestic finance server;
Transmitting the virtual account number received from the domestic financial server to the remitter terminal;
After receiving a deposit confirmation signal from the domestic financial server, transmitting an authentication processing request for a remitter and a remittee to an overseas financial server;
Receiving an authentication completion signal from the foreign financial server and transmitting a settlement processing request to the domestic financial server; And
Transmitting a receipt password to the remitter terminal
Including,
The domestic financial server,
Before transmitting the virtual account number, the authentication process for the remitter and the payee is performed, wherein the authentication process is included in the blacklist database of the domestic financial server, voice phishing information, cannon book usage information, money laundering information. , At least one of remitter information or payee information,
When the remittance request is received from the relay server, the virtual account number is transmitted to the relay server,
When the deposit is confirmed from the remitter terminal corresponding to the virtual account number, the deposit confirmation signal is transmitted to the relay server, and the settlement process is performed by interworking with the foreign financial server at a predetermined settlement time point.
The remitter information includes an exchange rate preferential rate,
The exchange rate preferential rate is applied based on at least one of a subscriber's communication service subscription period, a plan or usage amount, and the exchange rate preferential rate is set higher as the subscription period is long, the price of the plan is high, or the amount of usage during the past period is high. ,
Foreign currency remittance method through relay server.
delete The method of claim 1,
The step of setting the exchange rate information,
Receiving the dollar-local currency exchange rate information requested to the foreign financial server
Including,
The exchange rate information is set based on the first won-dollar exchange rate information and the dollar-local currency exchange rate information,
Foreign currency remittance method through relay server.
delete The method of claim 1,
The domestic financial server invalidates the virtual account number when the deposit confirmation signal does not occur until a predetermined time or when the remittance cancellation signal is received from the remitter terminal before the predetermined time,
Foreign currency remittance method through relay server.
The method of claim 1,
After receiving the deposit confirmation signal from the domestic financial server, when receiving a refund request from the remitter terminal,
Transmitting the refund request to the domestic financial server;
The domestic financial server, if the refund request is received before the settlement processing request, performs a refund processing to the remitter terminal,
Foreign currency remittance method through relay server.
The method of claim 1,
After receiving the deposit confirmation signal from the domestic financial server, if a refund request is received from the remitter terminal, performing a refund process based on the refund request and the deposit confirmation signal received until the predetermined settlement processing time,
Foreign currency remittance method through relay server.
The method of claim 7, wherein
The refund processing, if the amount information corresponding to the refund request received until the settlement processing time exceeds the amount information corresponding to the deposit confirmation signal received until the settlement processing time, the refund processing corresponding to the excess amount information (Next) Delay to perform at a predetermined settlement processing time,
Foreign currency remittance method through relay server.
The method of claim 8,
The delayed refund processing is performed according to the time sequence in which the refund request is received.
Foreign currency remittance method through relay server. delete A memory for recording the control program;
A processor operating according to the control program; And
Communication interface for sending and receiving information with domestic and overseas financial servers
Including,
The control program,
Transmitting a first Won-Dollar exchange rate information request received from a remitter terminal to a domestic financial server;
Setting exchange rate information based on first won-dollar exchange rate information and remitter information received from the domestic financial server;
Transmitting the set exchange rate information to the remitter terminal;
Receiving a remittance request from the remitter terminal and transmitting a second won-dollar exchange rate information request to the domestic financial server;
If the second won-dollar exchange rate information received from the domestic finance server matches the first won-dollar exchange rate information, transmitting the remittance request to the domestic finance server;
Transmitting the virtual account number received from the domestic financial server to the remitter terminal;
After receiving a deposit confirmation signal from the domestic financial server, transmitting an authentication processing request for a remitter and a remittee to an overseas financial server;
Receiving an authentication completion signal from the foreign financial server and transmitting a settlement processing request to the domestic financial server; And
Transmitting a receipt password to the remitter terminal
Including,
The domestic financial server,
Before transmitting the virtual account number, the authentication process for the remitter and the payee is performed, wherein the authentication process is included in the blacklist database of the domestic financial server, voice phishing information, cannon book usage information, money laundering information. , At least one of remitter information or payee information,
When the remittance request is received from the relay server, the virtual account number is transmitted to the relay server,
When the deposit is confirmed from the remitter terminal corresponding to the virtual account number, the deposit confirmation signal is transmitted to the relay server, and the settlement process is performed by interworking with the foreign financial server at a predetermined settlement time point.
The remitter information includes an exchange rate preferential rate ,
The exchange rate preferential rate is applied based on at least one of a subscriber's communication service subscription period, a plan or usage amount, and the exchange rate preferential rate is set higher as the subscription period is long, the price of the plan is high, or the amount of usage during the past period is high. ,
Relay server.
delete The method of claim 11,
The step of setting the exchange rate information,
Receiving the dollar-local currency exchange rate information requested to the foreign financial server
Including,
The exchange rate information is set based on the first won-dollar exchange rate information and the dollar-local currency exchange rate information,
Relay server.
delete The method of claim 11,
The domestic financial server invalidates the virtual account number when the deposit confirmation signal does not occur until a predetermined time or when the remittance cancellation signal is received from the remitter terminal before the predetermined time,
Relay server.
The method of claim 11,
After receiving the deposit confirmation signal from the domestic financial server, when receiving a refund request from the remitter terminal,
Transmitting the refund request to the domestic financial server;
The domestic financial server, if the refund request is received before the settlement processing request, performs a refund processing to the remitter terminal,
Relay server.
The method of claim 11,
After receiving the deposit confirmation signal from the domestic financial server, if a refund request is received from the remitter terminal, performing a refund process based on the refund request and the deposit confirmation signal received until the predetermined settlement processing time,
Relay server.
The method of claim 17,
The refund processing, if the amount information corresponding to the refund request received until the settlement processing time exceeds the amount information corresponding to the deposit confirmation signal received until the settlement processing time, the refund processing corresponding to the excess amount information (Next) Delay to perform at a predetermined settlement processing time,
Relay server.
The method of claim 18,
The delayed refund processing is performed according to the time sequence in which the refund request is received.
Relay server. delete

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