KR102070541B1 - Method, system and application for providing cash dealing service - Google Patents

Abstract

According to an embodiment of the present invention, a method for intermediating a transaction for cash by an exchange intermediating server comprises the steps of: (a) receiving information for identification code issued by depositing cash in an unmanned exchange device and a selling request for cash from a seller terminal; (b) receiving a buying request for cash from a buyer terminal; and (c) concluding a transaction between a seller and a buyer to identify himself or herself through the unmanned exchange device by the buyer and receive the bought cash.

Description

METHOD, SYSTEM AND APPLICATION FOR PROVIDING CASH DEALING SERVICE}

The present invention relates to a method, system and application for providing transaction services for cash.

With the recent increase in foreign tourists, the size of the currency exchange market is growing. The number of exchanges for travel abroad is growing, and the size of exchanges is increasing, and the conventional exchange method is a transaction between an individual and a bank who pays a high fee to the bank.

Suppose you leave your home country and then return home after you have traveled abroad. Also, when returning home, the bank had to pay a fee and exchange it for the remaining foreign currency.

In this process, there was a problem of paying a double fee, and because of the inconvenience of having to visit a bank again to exchange for Hanwha after returning home, there were many cases where foreign currency was not exchanged if the amount of foreign currency remaining was small.

On the other hand, since there is a large difference between the buy-based exchange rate and the sell-based exchange rate for the foreign currency, there was a problem in that a portion of the foreign currency had to be incurred even if the currency was exchanged again.

Therefore, there is a need for the development of a technology that can exchange money from a first country currency to a second country currency without a fee, and a technology that enables a currency exchange in a convenient manner during the departure and return process.

The present invention is to solve the above-mentioned problems of the prior art.

An object of the present invention is to provide a platform that allows users to buy and sell currencies such as foreign currency at a desired exchange rate directly.

Another object of the present invention is to make it possible to trade in a convenient way without having to pay a high fee in exchange.

Still another object of the present invention is to enable cash receipt in a currency exchange transaction through a convenient place and convenient method.

Still another object of the present invention is to facilitate the conclusion of a transaction by adjusting for a desired exchange rate during a transaction between users for cash.

The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.

According to an embodiment of the present invention for achieving the above object, a method for brokering a transaction for cash by the exchange brokerage server, (a) information on the identification code issued by the cash input to the unattended exchange device; Receiving the sell request for the cash together from the seller terminal; (b) receiving a purchase request for cash from the buyer terminal; And (c) if the selling condition received from the seller terminal and the buying condition received from the buyer terminal coincide with each other, enter into a transaction between the seller and the buyer and receive the cash purchased by the buyer through the unattended exchange device after authentication. A cash transaction intermediary method is provided, comprising the step of enabling it.

The step (a) may include receiving a wait for sale request including information on the amount of cash to be sold and the desired exchange rate information to be recognized from the identification code.

The cash transaction intermediary method may further include, after step (a), decreasing the shorting desired exchange rate as time elapses after receiving the selling wait request.

The cash transaction brokering method may further include, after the step (a), processing a portion of the cash that is the target of the selling wait request to be traded at an immediate sale price after a predetermined time. Can be.

The step (a) may include: providing a list of one or more purchase requests including a desired cash purchase condition to the seller terminal; And receiving, from the seller terminal, the selling request information immediately including the selection information for the specific buying request in the one or more buying request list.

The step (b) may include receiving a purchase wait request including the desired cash amount and the desired exchange rate information from the buyer terminal.

The cash transaction brokering method may further include, after step (b), increasing the desired purchase exchange rate as time passes after receiving the purchase wait request.

The step (b) may include providing a list of one or more selling requests including a desired cash selling condition to the buyer terminal; And receiving, from the purchaser terminal, purchase request information immediately including selection information for a specific sell request in the one or more sell request lists.

The step (c) may include receiving identification information input by the purchaser from the unattended exchange device and performing authentication on the purchaser.

On the other hand, according to another embodiment of the present invention, a method for providing a cash transaction service by the unmanned currency exchange device, the identification code including at least one of the currency type, amount and volume of the cash input by the seller is printed Outputting the received receipt; After the transaction for the cash is concluded, performing authentication based on the identification information input by the buyer; And discharging the cash, which is the object of the transaction conclusion, to allow the buyer to receive the discharged cash.

According to still another embodiment of the present invention, a request for selling for cash is received from a seller terminal together with information about an identification code issued by cash input to an unattended currency exchange device, and a request for buying for cash from a buyer terminal is received. A sell / buy request receiver; A transaction status providing unit that concludes a transaction between the seller and the buyer and transmits the transaction conclusion status information to the seller terminal and the buyer terminal when the selling condition received from the seller terminal and the purchase condition received from the buyer terminal match; And an identity verification unit configured to receive identity verification information input by the buyer from the unattended currency exchange device, perform authentication on the buyer, and allow the buyer to receive cash through the unattended currency exchange device. Is provided.

The exchange brokerage server, if the transaction is not concluded after receiving the sell request or the buy request, decreases the sell desired exchange rate received with the sell request over time, or the buy desired exchange rate received with the buy request. It may further include an exchange rate adjustment unit for increasing the.

According to another embodiment of the present invention, an input amount calculation unit for confirming at least one information of the currency type, amount and volume of the cash input by the seller; A receipt output unit for outputting a receipt on which an identification code including information confirmed by the input amount calculation unit is printed; And after the transaction with respect to the cash is concluded, performing authentication based on the identification information input by the buyer, and discharging the cash subject to the transaction, thereby allowing the buyer to receive the discharged cash. There is provided an unattended currency exchange device, including a provision portion.

According to another embodiment of the present invention, combined with the user terminal, (a) recognizing the information on the identification code issued by the cash input to the unattended exchange device; (b) transmitting, as information included in the identification code, a sell request including at least one of a currency type, a selling target amount, and a desired selling exchange rate information, to an exchange brokerage server; And (b) providing the presence or absence of the buyer and the transaction status with the buyer in response to the selling request.

According to an embodiment of the present invention, a currency such as a foreign currency can be bought and sold at a desired exchange rate directly between users.

According to an embodiment of the present invention, it is possible to trade in a convenient way without having to pay a high fee in exchange.

According to an embodiment of the present invention, cash exchange can be made through a convenient place and a convenient method during a currency exchange transaction.

According to an embodiment of the present invention, when the transaction between the users for cash, by adjusting the desired exchange rate, it may be easy to conclude the transaction.

1 is a view showing a schematic configuration of a P2P exchange service providing system according to an embodiment of the present invention.
2 is a flowchart illustrating a P2P currency exchange transaction process according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a currency exchange application according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an unmanned currency exchange device 300 according to an embodiment of the present invention.
5 is a diagram illustrating a configuration of an exchange brokerage server 400 according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION The following detailed description of the invention refers to the accompanying drawings that show, 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 is to be understood that the various embodiments of the invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. The following detailed description, therefore, is not to be taken in a limiting sense, and the scope of the present invention is defined only by the appended claims, along with the full scope of equivalents to which such claims are entitled. Like reference numerals in the drawings refer to the same or similar functions throughout the several aspects.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily implement the present invention.

1 is a view showing a schematic configuration of a P2P exchange service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a system according to an exemplary embodiment may include a seller terminal 100, a buyer terminal 200, an unmanned currency exchange device 300, and a currency exchange server 400.

The seller terminal 100, the buyer terminal 200, and the unmanned currency exchange device 300 are exchange exchange mediation server 400 and a communication network, for example, a mobile communication network, a local area network (LAN), a metropolitan communication network (MAN: It can communicate via Metropolitan Area Network (WAN), Wide Area Network (WAN), World Wide Web (WWW), and Wireless Fidelity (WiFi).

Seller terminal 100 and the buyer terminal 200 is a device to connect to the exchange brokerage server 400 to request the sale of cash, such as foreign currency, the purchase request, confirmation of the conclusion of the transaction.

The seller may perform a request for recognition and sale of an identification code through his terminal 100, and the buyer may perform a purchase request for a foreign currency, such as foreign currency, and confirm a transaction conclusion through his terminal 200. .

To this end, the seller terminal 100 and the buyer terminal 200 may be provided with a currency exchange application (A). The exchange application A may be downloaded and installed from the exchange brokerage server 400, but may be downloaded and installed from another server (for example, an application management and distribution server).

The seller terminal 100 and the buyer terminal 200 have a computing function and may be implemented in any form as long as the device can communicate with the outside. The terminals 100 and 200 may be implemented with, for example, a smartphone, a tablet PC, a desktop, a laptop notebook, a PDA, and the like, but are not limited thereto.

The unattended currency exchange device 300 is, for example, a device disposed in a specific space such as an airport, and may have an input port that enables input of cash, such as foreign currency. When cash is input, a receipt including the input amount information is output, and by scanning the receipt, the selling of the input amount is possible. The purchaser who has bought the cash inputs the information for identity verification in the unattended exchange device 300, and when his / her scholarship is completed, the buyer may receive the cash purchased by the unattended exchange device 300. The unattended exchange device 300 may include a cash inlet, a cash outlet, a receipt output unit, a scan unit (for example, a QR code scanner) or a display unit for providing an interface for recognizing or inputting identification information. have.

The exchange brokerage server 400 receives the receipt scan information from the seller terminal 100, and obtains the selling price from the information. In addition, after receiving the information on the selling conditions from the seller terminal 100, the information on each seller and the selling conditions are provided to the one or more buyer terminal 200, while buying conditions from the buyer terminal 200 After receiving the information on, at least one seller terminal 100 provides information about each buyer and information on the purchase conditions.

The selling condition includes information on a desired exchange rate for sale. If a time elapses without a transaction based on a desired exchange rate, the exchange brokerage server 400 may adjust the desired exchange rate information over time. This will be described later in detail.

When the desired selling condition and the desired buying condition match, and a transaction is concluded between the seller and the buyer, the exchange brokerage server 400 transmits the transaction conclusion information to the seller terminal 100 and the buyer terminal 200. The seller terminal 100 receives information about the amount of cash that has been concluded and information about the amount of money to be received from the buyer due to the sale of the cash, and provides information on how to receive the payment, or allows the seller to make a selection about the method. It can also provide an interface to The purchaser terminal 200 may transmit information about the amount of cash that has been concluded to the buyer, information about the amount of money to be deposited to the seller due to the number of cash purchases, and provide guide information on how to purchase the cash. In addition, an interface may be provided to the buyer to select a transaction payment method or a transaction payment method.

2 is a flowchart illustrating a P2P currency exchange transaction process according to an embodiment of the present invention.

Referring to FIG. 2, first, the seller performs identity verification through the unattended exchange device 300 (S201), and injects cash to sell (S202). Self-authentication method is a method of inputting a pre-entered ID / PW through a website or currency exchange application (A) that is operated and managed by the currency exchange server 400, a method of recognizing the identification card in the unattended currency exchange device 300, It may be implemented by various authentication methods, such as a mobile phone authentication method. The unattended exchange device 300 may perform identity verification in real time by transmitting the identity information input by the seller to the exchange brokerage server 400, but simply inputs the identity information input by the seller to the unattended currency exchange device 300. You may be saving it.

The seller may put coins or bills into the unattended currency exchange device 300. For example, a seller returning from abroad may inject foreign currency into an unmanned currency exchange device 300 provided at an airport.

The unattended currency exchange device 300 recognizes the currency type, the amount of money, the kind of paper (banknote or coin) of the cash input, and issues a receipt (S203). As shown in FIG. 1, the receipt is printed with a currency type, an input amount, and a paper type information. The unattended currency exchange device 300 may issue a receipt in which an identification code (for example, a barcode or a QR code) including at least input amount information of the above information is printed.

The seller may recognize the identification code printed on the receipt through his terminal 100 or input a receipt serial number (S204). Since the identification code includes information on the amount of cash put into the unattended currency exchange device 300, by recognizing the identification code, information on the type and amount of cash to be sold may be obtained.

In this way, the seller can request to sell the cash he or she has put into the unattended currency exchange device 300 (S205).

When the seller generates the sell request through the seller terminal 100 (S205), the seller may input the selling information, for example, whether or not the split selling is possible, the selling period, and the exchange rate.

For example, when 18,000 YEN is input to the unmanned currency exchange device 300, the seller may input only a bulk selling request for the corresponding amount, or may input the intention that the portion can be divided and sold for some amount. In addition, it is also possible to input information on the desired exchange rate for sale and the type of currency to be deposited in the transaction price.

The selling wait request generated in this way is transmitted from the seller terminal 100 to the exchange brokerage server 400.

On the other hand, the one or more buyers may send a purchase wait request (S301) including the desired currency type, the desired amount of purchase, exchange rate information through their terminal 200 to the exchange brokerage server 400 (S301), step When the seller requests to sell in S205, the buyers may check the buying conditions desired by the current buyers.

In this case, the seller may immediately send a sell request to the exchange brokerage server 400 by selecting one of the one or more desired purchase conditions (S206). In this case, a transaction is immediately concluded between the seller and the buyer, and the transaction conclusion notification may be transmitted from the exchange brokerage server 400 to the seller terminal 100 and the buyer terminal 200.

If the seller has sent a wait for sale request including the desired selling condition to the exchange brokerage server 400, the buyer terminal 200 has the wait wait request information (sales hope currency, amount, Exchange rates, etc.).

Information selected by the buyer among the one or more selling wait request information, that is, the immediate purchase request is transmitted from the buyer terminal 200 to the exchange brokerage server 400, the transaction is immediately concluded, the exchange brokerage server 400 Transmits the transaction conclusion notification information to the seller terminal 100 and the buyer terminal 200 (S209).

If the transaction is not concluded with respect to the wait for sale request (S206) sent from the seller terminal 100 and the wait for purchase request (S301) transmitted from the buyer terminal 200, the exchange brokerage server 400 sells over time. You can adjust the desired exchange rate and the desired exchange rate.

According to an embodiment of the present invention, the desired selling exchange rate may be lowered over time and adjusted to converge to the standard selling exchange rate.

In detail, the exchange brokerage server 400 may adjust the sell-out desired exchange rate according to the following equation when the exchange rate for the first sell request is greater than the standard sell-out exchange rate at the time of waiting for a sell request.

In Equation 1, Δt is a variable that increases from 0, and represents a time elapsed after the wait for sale request, and S (Δt) is an adjusted sell rate, R1 (Δ) after a time elapsed by Δt from the wait for sale request. t) is the sell-based exchange rate after time elapsed by Δt from the wait for sale request, and A is the seller's desired exchange rate initially entered by the seller.

In other words, the exchange brokerage server 400 resets and sells the desired exchange rate exponentially as the time elapses after the request for selling wait is received. If the time elapses for a predetermined time or more, the exchange brokerage server converges at the current selling basis exchange rate. You can.

In addition, the desired exchange rate may increase over time and then be adjusted to converge to the standard purchase rate.

In detail, the exchange brokerage server 400 may adjust the desired purchase exchange rate according to the following equation.

In Equation 2, Δt is a variable that increases from 0, and represents a time elapsed since the wait for a request, and B (Δt) is a buy rate adjusted after a time elapsed by Δt from the wait for a request, R2 (Δ t) is the purchase-based exchange rate after the time elapsed by Δt from the request for buying, and C is the exchange rate desired to sell initially entered by the buyer.

That is, the exchange brokerage server 400 resets and repurchases the desired exchange rate exponentially as time elapses after receiving the purchase wait request, and when the time elapses for a predetermined time or more, converges at the current buying basis exchange rate. You can.

Meanwhile, according to another embodiment of the present invention, when the predetermined waiting period elapses after the request for sale is pending, all of the cash to be sold or a part of the cash which is not sold until the corresponding time may be adjusted to the immediate sale price (sales based exchange rate) at that time. have.

If the seller's selling condition and the buyer's buying condition match after the exchange rate adjustment, the transaction is concluded and the exchange brokerage server 400 transmits the transaction conclusion notification information to the seller terminal 100 and the buyer terminal 200 (S209). .

The buyer terminal 200 is provided with a transaction deposit method for the purchase cash together with the transaction conclusion notification transmission.

The buyer deposits the transaction amount according to the corresponding method (S210). According to an embodiment of the present invention, the transaction amount may be immediately deposited into the seller's own account, but may also be deposited into an exchange broker or escrow transaction.

Upon completion of the deposit, the seller may transmit a cash receipt approval message to the exchange brokerage server 400 according to the payment confirmation information transmitted from the seller's direct confirmation or exchange brokerage server 400 to the seller terminal 100 (S211). . The message is transmitted to the purchaser terminal 200 (S212), and at this time, a guide message for a cash receipt method may be further included and transmitted.

The buyer may enter his or her information into the unattended exchange device 300 (S213), the unattended exchange device 300 may proceed with the authentication process for the buyer by itself or in conjunction with the exchange brokerage server (400) (S214). ). The information input to the unmanned currency exchange device 300 may be identification information, cash transaction identification number information, authentication code information required when authenticating a mobile phone, or identification code information provided through a currency exchange application including transaction information. However, the present invention is not limited thereto.

When the identity verification process is completed, the buyer receives the cash discharged from the unattended exchange device 300 (S215).

If the transaction payment is made in escrow mode, the cash receipt completion information is transmitted from the unattended exchange device 300 or the buyer terminal 200 to the exchange brokerage server 400, and the exchange brokerage server 400 sells the corresponding transaction. Process to be deposited into the account (S216).

3 is a diagram illustrating a configuration of a currency exchange application according to an embodiment of the present invention.

Referring to FIG. 3, the currency exchange application A may include a code information acquisition unit A-1, a sell / buy request transmission unit A-2, and a transaction state providing unit A-3. .

The code information acquisition unit A-1, the sell / buy request transmission unit A-2, and the transaction state providing unit A-3 may be a program module capable of communicating with an external device. Such program modules may be included in the seller terminal 100, the buyer terminal 200, or other devices capable of communicating with them in the form of operating systems, application modules, and other program modules, and may be physically located on various known storage devices. Can be stored. On the other hand, such program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.

Code information acquisition unit (A-1) according to an embodiment performs the function of recognizing the identification code printed on the receipt received by the seller puts cash into the unattended exchange device 300, and obtains the information contained therein do. The obtained information may be, but is not limited to, information such as a currency type, an input amount, and a kind of money input to the unmanned currency exchange device 300.

The sell / buy request transmission unit A-2 according to an embodiment receives a sell / buy wait request or an immediate sell / buy request from the seller or the buyer, and transmits this information to the exchange brokerage server 400.

The sell / buy wait request may include a sell / buy desired amount, a desired exchange rate, a split sell / buy possibility, a desire to adjust the exchange rate, a desired buy / buy wait period, and the like. To this end, the exchange application may provide an interface for inputting the above information.

If the seller / buyer wishes to adjust the exchange rate, the exchange brokerage server 400 may adjust the sell / buy desired exchange rate over time, and if the seller / buyer does not wish to adjust the exchange rate, the exchange rate adjustment procedure may be omitted. Can be.

In addition, the exchange application (A) the seller / buyer terminal (100, 200) can provide a list of buyers / sellers and buy / sell conditions waiting, the seller / buyer selected a particular buyer / seller from the list In this case, an immediate sell / buy request under the corresponding conditions is transmitted to the exchange brokerage server 400.

The transaction status providing unit A-3 may provide an interface that allows the seller / buyer to check transaction status information, exchange rate adjustment information, transaction conclusion information, etc. for the seller / buyer request.

Through this interface, the seller / buyer can also modify the desired trading conditions entered at the time of his / her hold / buy request.

4 is a diagram illustrating a configuration of an unmanned currency exchange device 300 according to an embodiment of the present invention.

Referring to FIG. 4, the unmanned currency exchange device 300 may include an identity verification information input unit 310, an input amount calculator 320, a receipt output unit 330, and a cash provider 340.

The identification information input unit 310, the input amount calculator 320, the receipt output unit 330, and the cash provider 340 may be program modules or hardware capable of communicating with an external device. Such program modules or hardware may be included in the unattended currency exchange device 300 or other device that can communicate with them in the form of an operating system, application modules, and other program modules, and may be physically stored on various known storage devices. have. Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.

The identification information input unit 310 according to an embodiment provides an interface for allowing the seller to input his or her information before making a cash input. This allows the seller to recognize the identification card or to enter his or her identity. In addition, the identification information input unit 310 provides an interface that allows the buyer to enter the identification information at the pre-cash receipt stage.

The input amount calculation unit 320 performs a function of checking the type of money, the input amount, and the type of the cash for the cash input by the seller.

The receipt output unit 330 outputs a receipt including the money type, the input amount, and the book type information confirmed by the input amount calculator 320. The receipt may be printed with an identification code including at least one of money type, input amount and book type information.

The cash provider 340 performs a function of discharging the transaction concluded cash when the purchaser completes his / her authentication after the transaction conclusion is completed. The cash provider 340 discharges the cash based on the buyer's currency type, the amount of cash to be bought, the kind of paper, and the like, which are confirmed in the buyer's identity verification process, so that the buyer can receive the cash.

5 is a diagram illustrating a configuration of an exchange brokerage server 400 according to an embodiment of the present invention.

Referring to FIG. 5, the exchange brokerage server 400 may include a sell / buy request receiver 410, a sell / buy candidate list provider 420, an exchange rate adjuster 430, a transaction status provider 440, and an identity verification unit. (450).

The exchange brokerage server 400 is a sell / buy request receiving unit 410, a sell / buy candidate list providing unit 420, an exchange rate adjusting unit 430, a transaction status providing unit 440, the identity verification unit 450 is an external device Program modules or hardware capable of communicating with the system. Such program modules or hardware may be included in the exchange brokerage server 400 or other device capable of communicating with them in the form of an operating system, application modules, and other program modules, and may be physically stored on various known storage devices. have. Meanwhile, such program modules or hardware may include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.

The sell / buy request receiver 410 according to an embodiment receives a sell / buy wait request or an immediate sell / buy request from the seller terminal 100 and the buyer terminal 200. Upon receiving a buy / buy wait request, a desired sell / buy condition is received together, and upon receipt of a sell / buy request immediately, selection information about a counterparty is received.

The sell / buy candidate list providing unit 420 transmits a list of sellers and buyers who have made a purchase / buy wait request to the buyer terminal 200 and the seller terminal 100. The list of buyers may include information on the conditions of the buy / buy.

The exchange rate adjustment unit 430 adjusts the exchange rate when a time elapses without a transaction being concluded after the request for sale wait or the request for purchase wait. According to one embodiment, the desired sell exchange rate may decrease exponentially over time, and the desired buy exchange rate may increase exponentially over time. In addition, if a predetermined time elapses after only a part of the transaction price is concluded after the request for sale is pending, the remaining amount may be sold at the immediate sale price (sales-based exchange rate). On the contrary, if a predetermined time elapses after only a portion of the purchase price is concluded after the purchase wait request, the remaining amount may be bought at the immediate selling price (purchase rate).

The transaction status providing unit 440 may provide the seller terminal 100 and the buyer terminal 200 with the transaction execution status information on the current sell request or purchase request. This may also include information on adjusted exchange rates.

The identity verification unit 450 may receive identity verification information obtained by the unattended currency exchange device 300 to perform authentication for the seller or the buyer. For example, when the buyer recognizes or inputs the identification information to the unattended currency exchange device 300, the exchange brokerage server 400 may receive such information, and may perform confirmation on the buyer, transaction amount confirmation, and the like. have.

 The above description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.

Claims (14)

As a method for a brokerage server to broker transactions for cash,
(a) receiving a sell request for the cash from the seller terminal together with information on the identification code issued by the cash input to the unattended currency exchange device;
(b) receiving a purchase request for cash from the buyer terminal; And
(c) If the selling condition received from the seller's terminal and the buying condition received from the buyer's terminal match, the buyer enters a transaction between the seller and the buyer to receive cash purchased after the user's authentication through the unattended exchange device. To make it possible,
The desired selling exchange rate included in the selling condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait for sale request, S (△ t) is the adjusted selling exchange rate after Δt has elapsed from the wait for sale request, and R1 (△ t) is waiting for a sell. Exchange rate based on sell after time △ t from request, A means sell exchange rate initially entered by seller.)
The desired purchase exchange rate included in the purchase condition is changed according to the following equation,

(△ t is a variable that increases from 0, and indicates the elapsed time since the wait wait request, B (△ t) is the buy exchange rate adjusted after △ t from the wait wait request, R2 (△ t) is waiting to buy The exchange rate based on the number of days after △ t has elapsed from the request, and C means the desired exchange rate for sale.
And the transaction is concluded when the desired selling exchange rate and the desired buying exchange rate coincide. The method of claim 1,
In step (a),
Receiving a sell wait request including the selling target cash amount information, the desired selling exchange rate information recognized from the identification code, cash transaction intermediation method. delete The method of claim 1,
After step (a),
And processing a portion of the cash that is the subject of the selling wait request for which the transaction has not been concluded so that the transaction becomes an immediate sale price after a predetermined time elapses. The method of claim 1,
In step (a),
Providing at least one purchase request list including a desired cash purchase condition to the seller terminal; And
And receiving, from the seller terminal, an immediate sell request information including selection information for a specific purchase request in the one or more purchase request list. The method of claim 1,
Step (b),
Receiving a buy wait request containing the purchase amount of cash, the desired exchange rate information from the buyer terminal, Cash transaction intermediary method. delete The method of claim 1,
Step (b),
Providing at least one sell request list including a desired cash sale condition to the buyer terminal; And
Receiving, from the buyer terminal, the buy request information including the selection information for a particular sell request of the one or more sell request list, cash transaction brokerage method. The method of claim 1,
In step (c),
Receiving the identification information input by the buyer from the unattended exchange device, and performing the authentication for the buyer, cash transaction brokerage method. A method for an unattended currency exchange device to provide a cash transaction service,
Outputting a receipt printed with an identification code including information on at least one of currency type, amount and volume of the cash input by the seller;
After the transaction for the cash is concluded, performing authentication based on the identification information input by the buyer; And
Discharging the cash that is the object of the transaction, and allowing the buyer to receive the discharged cash;
The transaction is concluded when the selling condition received from the seller terminal and the buying condition received from the buyer terminal match.
The desired selling exchange rate included in the selling condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait for sale request, S (△ t) is the adjusted selling exchange rate after Δt has elapsed from the wait for sale request, and R1 (△ t) is waiting for a sell. Exchange rate based on sell after time △ t from request, A means sell exchange rate initially entered by seller.)
The desired purchase exchange rate included in the purchase condition is changed according to the following equation,

(△ t is a variable that increases from 0, and indicates the elapsed time since the wait wait request, B (△ t) is the buy exchange rate adjusted after △ t from the wait wait request, R2 (△ t) is waiting to buy The exchange rate based on the number of days after △ t has elapsed from the request, and C means the desired exchange rate for sale.
And the transaction is concluded when the desired selling exchange rate and the desired buying exchange rate coincide. A selling / buying request receiving unit for receiving the selling request for the cash from the seller terminal together with information on the identification code issued by the cash input to the unmanned currency exchange device, and receiving the buying request for the cash from the buying terminal;
A transaction status providing unit that concludes a transaction between the seller and the buyer and transmits the transaction conclusion status information to the seller terminal and the buyer terminal when the selling condition received from the seller terminal and the purchase condition received from the buyer terminal match; And
Receiving the identification information input by the buyer from the unattended exchange device, and authenticates the buyer, and includes an identity verification unit for allowing the buyer to receive cash through the unattended exchange device,
The desired selling exchange rate included in the selling condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait for sale request, S (△ t) is the adjusted selling exchange rate after Δt has elapsed from the wait for sale request, and R1 (△ t) is waiting for a sell. Exchange rate based on sell after time △ t from request, A means sell exchange rate initially entered by seller.)
The desired purchase exchange rate included in the purchase condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait wait request, B (△ t) is a buy rate adjusted after △ t from the wait wait request, R2 (△ t) is waiting to buy The exchange rate based on the number of days after △ t has elapsed from the request, and C means the desired exchange rate for the seller to enter initially.)
The exchange intermediation server, the transaction is concluded when the desired selling exchange rate and the desired buying exchange rate match. delete An input amount calculation unit which checks at least one type of information on the currency type, amount and volume of the cash input by the seller;
A receipt output unit for outputting a receipt on which an identification code including information confirmed by the input amount calculation unit is printed; And
After the transaction for the cash is concluded, authentication is performed on the basis of the identification information input by the buyer, and the cash provided for the transaction is discharged, so that the buyer can receive the discharged cash. Including wealth,
The transaction is concluded when the selling condition received from the seller terminal and the buying condition received from the buyer terminal match.
The desired selling exchange rate included in the selling condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait for sale request, S (△ t) is the adjusted selling rate after Δt has elapsed from the wait for sale request, and R1 (△ t) is the wait for sale. Exchange rate based on sell after time △ t from request, A means sell exchange rate initially entered by seller.)
The desired purchase exchange rate included in the purchase condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait wait request, B (△ t) is a buy rate adjusted after △ t from the wait wait request, R2 (△ t) is waiting to buy The exchange rate based on the number of days after △ t has elapsed from the request, and C means the desired exchange rate for the seller to enter initially.)
And the transaction is concluded when the desired selling exchange rate and the desired buying exchange rate coincide. Combined with the user terminal,
(a) recognizing information on an identification code issued by cash input into an unattended currency exchange device;
(b) transmitting, as information included in the identification code, a sell request including at least one of a currency type, a selling target amount, and a desired selling exchange rate information, to an exchange brokerage server; And
(b) providing a presence or absence of a buyer for the sale request and a transaction situation with the buyer;
The transaction with the buyer is concluded when the terms of the purchase and the terms of purchase received from the buyer's terminal match.
The desired selling exchange rate included in the selling condition is changed according to the following equation,

(Δt is a variable that increases from 0, and represents the elapsed time since the wait for sale request, S (△ t) is the adjusted selling exchange rate after Δt has elapsed from the wait for sale request, and R1 (△ t) is waiting for a sell. Exchange rate based on sell after time △ t from request, A means sell exchange rate initially entered by seller.)
The desired purchase exchange rate included in the purchase condition is changed according to the following equation,

(△ t is a variable that increases from 0, and indicates the elapsed time since the wait wait request, B (△ t) is the buy exchange rate adjusted after △ t from the wait wait request, R2 (△ t) is waiting to buy The exchange rate based on the number of days after △ t has elapsed from the request, and C means the desired exchange rate for sale.
And the transaction is concluded when the desired selling exchange rate and the desired buying exchange rate coincide.

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