KR102092909B1 - A System Providing Electronic Money With Unit Of Time - Google Patents

Abstract

The integrated electronic money generation system that reflects the exchange rate according to the present invention and is expressed in units of hours includes a national confirmation unit that receives a target country, which is the name of a country to which a user wants to send money, and a remittance bank information to be sent from the user, and A deposit application module including an information input unit for receiving a remittance amount; A deposit execution module that receives the transfer amount from the user through a dedicated account corresponding to the transfer bank information; An exchange rate setting module for setting an exchange rate in which the currency unit of the remittance amount deposited from the user is converted into a standard currency; A currency exchange module for converting the remittance amount into the standard currency according to the exchange rate; A value setting module for setting the currency value of the reference currency as a unit of time; A time conversion module for converting the converted time value converted from the reference currency converted into units of time according to the established value; Includes an account management module including an account creation unit that generates an account that is assigned to each user to accumulate and use the converted time value, and a value charging unit that processes the converted time value to the user's account. It is characterized by.

Description

{A System Providing Electronic Money With Unit Of Time} that reflects the exchange rate and is expressed in hours

According to the present invention, by generating an integrated electronic money that reflects the exchange rate, it can be used stably in international financial transactions, reflects the exchange rate, and is expressed by being converted in units of time. It relates to a currency generation system.

As a means of moving money for payment in a conventional financial transaction, there are types of securities such as cash, cashier's checks, and bills in offline, and online banking and phone banking.

In addition, electronic wallets such as charging cards, prepaid cards, and postpaid cards using simple storage devices are used as payment methods. Recently, payments through various types of electronic money have been used due to the spread of smartphones.

Electronic money is a virtual currency that pays a price to the issuer and has a certain monetary value received from the issuer, which has relatively low risk of counterfeiting, tampering, etc., and is safe even if it is stolen or lost, and is convenient for small payments.

As a prior art for the generally proposed electronic money, there is an online game goods proxy purchasing device and method using the virtual currency for PC room managers disclosed in Korean Patent Office (Public Patent No. 10-2012-0028519), This has a problem in use because it can be used only for purchasing items in online games based on the Internet.

By the way, Bitcoin, a kind of electronic money that can pay for spots, has been recently proposed.

Bitcoin is a digital currency created by Satoshi Nakamoto in 2009 and has a structure in which a central device for issuing and managing currencies does not exist. Instead, the Bitcoin transaction is performed by a peer-to-peer network (P2P) based distributed database, and performs a transaction based on a public key cryptography.

As described above, Bitcoin having a payment method can be used without information such as a card number, expiration date, and CVC number required for a credit card payment, and has an advantage of low usage fee. In addition, Bitcoin is stored in an electronic wallet in the form of a file, and each unique address is assigned to the electronic wallet, and a Bitcoin transaction is made based on the address.

In order to use the bitcoin having the payment characteristics as described above, first, the bitcoin user signs up the KRW corresponding to the won in the state of signing up for the bitcoin exchange and opening an electronic wallet.

Subsequently, after confirming the current price of the bitcoin being traded on the bitcoin exchange and entering a purchase order by entering the quantity and unit price of the bitcoin you want to purchase, the transaction is established through the sales order that meets the transaction conditions, so that the user purchases the goods Payment can be made through Bitcoin.

However, despite the advantages of such electronic money, it is relatively inactive than a credit card because of the difference in management by the issuer, the compatibility of the use of electronic money is poor. In addition, when using a small amount of electronic money, it is expressed in decimal units (for example, 0.0000134 coins), so it is not easy to grasp the value, and there is inconvenience in trading.

Therefore, in order to solve the above-mentioned problems, an integrated electronic money generation system that can be used stably in international financial transactions, reflects exchange rates, and is converted and expressed in units of hours, so that even a small amount of electronic money transactions can be easily expressed. There is a need to develop.

The present invention has been devised to overcome the problems of the above technology, and can be used stably in international financial transactions, reflects exchange rates, and is converted and expressed in units of time, so that simple expression can be performed even in small amounts of electronic money transactions. The main objective is to provide an electronic money generation system.

Another object of the present invention is to offset the need to pay a high fee for foreign transactions, and to provide an integrated electronic money that can be used without burden of money transfer waiting time and money exchange fees.

Another object of the present invention is to offset the need for a separate fee or procedure when purchasing or consuming by using the integrated electronic money of the present invention as a single currency unit, regardless of the country of use, and to increase the convenience of consumption.

In order to achieve the above object, the integrated electronic money generation system, which reflects the exchange rate according to the present invention and is expressed in units of hours, includes a national confirmation unit that receives a target country as a name of a country to which a user wants to send money, and A deposit application module that receives the remittance bank information and the remittance amount to be transferred; A deposit execution module that receives the transfer amount through the dedicated account corresponding to the transfer bank information from the user; An exchange rate setting module for setting an exchange rate that is converted from the deposit currency, which is a currency unit deposited from the user, to the reference currency; A currency exchange module for converting the remittance amount into the standard currency according to the exchange rate; A value setting module for setting the currency value of the reference currency as a unit of time; A time conversion module for converting the converted time value converted from the reference currency converted into units of time according to the established value; Includes an account management module including an account creation unit that generates an account that is assigned to each user to accumulate and use the converted time value, and a value charging unit that processes the converted time value to the user's account. It is characterized by.

Furthermore, the deposit execution module further includes an account issuing unit for issuing and processing the dedicated account, which is a virtual account for the remittance bank information, to the user, and a deposit processing unit receiving the remittance amount from the user through the dedicated account It is characterized by including.

In addition, the time conversion module, characterized in that the conversion time value of seconds (s), minutes (m), hour (h), day (dd), month (mm), year (yy) at least one of do.

In addition, the national confirmation unit, the user receives a remittance country that is the country in which the remittance is performed, and the currency conversion module, the remittance amount of the remittance money that is the currency of the remittance country remitted by the user to the remittance country and the It is characterized by differential processing in standard currency according to exchange rates between target countries.

An integrated electronic money generation system that reflects the exchange rate according to the present invention and is expressed in units of hours,

1) Provides an integrated electronic money generation system that can be used stably in international financial transactions, reflects exchange rates, and is converted and expressed in units of hours, so that even a small amount of electronic money transactions can be easily expressed.

2) It offsets the need to pay high fees when trading overseas, and can be used without burden of money transfer waiting time and money exchange fees.

3) By using the integrated electronic money of the present invention as a single currency unit in any country, there is an effect of offsetting the need for a separate fee or procedure when purchasing or consuming, and increasing the convenience of consumption.

1 is a conceptual diagram showing a schematic configuration of a system of the present invention.
Figure 2 is a block diagram showing the basic configuration of the system of the present invention.
3 is a block diagram showing the detailed configuration of the system of the present invention.
4 is a conceptual diagram showing an example of calculating the overlapping data of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. The accompanying drawings are not drawn to scale, and the same reference numbers in each drawing refer to the same components.

1 is a conceptual diagram showing a schematic configuration of a system 10 of the present invention.

Referring to FIG. 1, the integrated electronic money generation system 10, which reflects the exchange rate of the present invention and is expressed in units of hours, transfers money through the main server 30 and the electronic money generation system 10. It consists of a user 20.

First, the main server 30 serves to mine electronic money in the present invention, that is, to generate electronic money, and for convenience of use, a transaction book, that is, a block including transaction information for trading in which electronic money is traded, In addition, it serves to separately store the interconnected blockchains.

In addition, the main server 30 communicates traffic using its own protocol for the simplification of old transaction records, i.e., transaction information for old transactions, and for fast transactions between users 20 on the network or between the server and users 20. Minimizes traffic by reducing traffic and enables secure transactions.

Furthermore, the main server 30 serves to determine the exchange rate of each country, and at the same time, converts the amount of money received from the user 20 into the electronic money of the present invention based on the exchange rate, and converts the exchanged electronics. The currency is expressed as a unit of time including seconds, minutes, hours, days, months, and years. In this case, expressing electronic money as a unit of time refers to borrowing a unit of time and expressing electronic money. It refers to expressing seconds, minutes, hours, days, months, and years as the value of money.

The user 20 performs the transfer of electronic money through the electronic money generation system 10 of the present invention, and for this purpose, various currencies commonly used in reality, that is, commercial currencies (KRW, Yen, Dollar, Pound, Euro, etc.) ), But the commercial currency deposited at this time is converted into electronic money. Therefore, the user 20 can use the exchanged electronic money.

 Basically, such electronic money is basically made to convert various commercial currencies deposited from the user 20 into a specific reference currency, and then convert the reference money into electronic money to be charged to the account of the user 20. This series of procedures is characterized by the fact that it is performed immediately without any extra time or cost.

The standard currency at this time may be defined as any one of the commercial currencies, so the standard currency may be set as won or dollars, and in this case, the deposited commercial currency is converted into the standard currency and then converted according to the value of the standard currency. The standard currency is borrowed and expressed in units of hours in the form of seconds, minutes, hours, days, months, and years.

In addition, since the standard currency of the present invention does not have to be a specific commercial currency, a new virtual currency can be created and set as a standard currency, and then the standard currency can be expressed in the form of seconds, minutes, hours, days, months, years. have.

The configuration included in the integrated electronic money generation system 10, which reflects the exchange rate of the present invention and is expressed in units of hours, is as follows.

2 is a block diagram showing the basic configuration of the system 10 of the present invention.

Referring to FIG. 2, the integrated electronic money generation system 10, which reflects the exchange rate of the present invention and is expressed in units of hours, includes a deposit application module 100, a deposit execution module 200, and a currency exchange setting module ( 300), a currency exchange module 400, a value setting module 500, a time conversion module 600, and an account management module 700.

The deposit request module 100 performs a function of receiving information about a country, bank, or amount to be transferred from the user 20, and basically includes a national confirmation unit 110 and an information input unit 120 for this purpose. do.

The country identification unit 110 serves to input the country in which the user 20 wants to send money, that is, to which country the money is to be sent, and thus processes the target country, which is the name of the country to be transferred. . At this time, you can further input and process the country to which you want to send money (which country you are sending money to) as well as which country you are sending money to (in which country you are sending money). In addition to the target country, the remittance country, which is the name of the country in which the user 20 actually performed the remittance, may also be input. Of course, the target country and the remitting country may or may not coincide.

The information input unit 120 receives the remittance bank information and the remittance amount to be remitted from the user 20, and inputs the remittance bank information to which bank of the target country to perform the remittance. For example, if you want to transfer money to Woori Bank in Korea, the target country = Korea, Remittance Bank Information = Woori Bank. The remittance amount is the amount to which the user 20 wants to perform the remittance. At this time, the remittance amount may be input as the remittance currency, which is the currency of the remitting country, or the target currency, which is the currency of the target country. For example, if the sending country is South Korea and the target country is American, the remittance amount can be won or dollars. Alternatively, even if the user 20 has currency in other countries, if it is a general commercial currency (currency used in the real world), there is no restriction on the type.

The deposit execution module 200 serves to actually receive the remittance amount input from the user 20, and for that purpose, the system 10 of the present invention, and more specifically, the deposit execution module 200 of the present invention is an account issuing unit. A dedicated account for the remittance bank information received from the user 20 through the 210 is issued to the user 20. At this time, the dedicated account is preferably in the form of a virtual account, and is characterized in that it is a deposit-only account in which only deposits can be made. Thereafter, the deposit processing unit 220 guides the user 20 to the corresponding dedicated account, and then receives the transfer amount through the dedicated account. The deposit processing unit 220 further checks the fact that the amount of the remittance is deposited, and in what commercial currency, the correct amount has been deposited.

The exchange rate setting module 300 performs a function of setting an exchange rate in which the currency unit of the remittance amount deposited from the user 20 is converted into the reference currency, wherein the reference currency can be pre-set on the system 10 have. As described above, the reference currency may be based on any one of commercially available commercial currencies such as won, dollars, and yen, or a separate virtual currency may be generated as a reference currency and the corresponding virtual currency is set as the standard currency. It is also possible to do. There are no special restrictions on this.

If the original currency (\) is set as the standard currency, the exchange rate setting module 300 may indicate the amount of money transferred from the user 20 in various currency units. It performs the function of setting the exchange rate for currency exchange in won (\). At this time, the exchange rate can be set in such a way that the general exchange rate used in real time can be determined in real time, or it is also possible to set the exchange rate by adding a separate weight. Basically, it is based on importing and using exchange rates used in reality.

The currency exchange module 400 performs a function of converting the amount of money transferred from the user 20 into the reference currency according to the exchange rate set by the currency exchange rate setting module 300, if the user 20 When the currency unit is a dollar, the function of currency exchange is performed by the currency exchange performance module 400 to exchange the amount of money expressed in dollars into the currency set as the standard currency as in the above-described example.

For example, suppose that the won-dollar exchange rate set by the exchange rate setting module 300 is ‘one dollar = 1,215.25 won’. At this time, if '$ 1,000' is deposited as a remittance amount from the user 20, the currency exchange module 400 processes '$ 1,000' as the standard currency, won. In other words, '$ 1,000' is converted into '1,215,250 won'.

The value setting module 500 performs the function of setting the monetary value of the reference currency as a unit of time, and in this case, setting the monetary value of the reference currency in units of time, expressing the unit of the reference currency in units of time To simply mean borrowing a unit of time. Therefore, it can be said that this is a kind of unit conversion. The time unit at this time is irrelevant to the real time and simply borrows the unit.

As an example of setting the monetary value of the reference currency as a unit of time through the value setting module 500, if the reference currency is set to Korean won as described above, the standard currency is “1 minute = 100 won”. That is, if the currency value of the won is set in units of time, 100 won can be expressed as 1 minute, and 1000 won can be expressed as 10 minutes. This has nothing to do with the time of reality, it simply borrows a unit of time. In addition, since it is said that the unit of time has been borrowed, it becomes “1 minute = 60 seconds = 100 won”.

The time conversion module 600 performs a function of converting the converted time value converted by converting the reference currency converted into units of time according to the established value. This converts the reference currency that has been converted into time units according to the value set by the above-described value setting module 500, and the reference currency converted into time units is the conversion time value.

For example, as in the above example, let's say that '$ 1,000' was deposited and the amount was converted into '1,215,250 won', which is the standard currency. At this time, since the value of '1 minute = 60 seconds = 100 won' is set in the value setting module 500, '1,215,250 won' can be expressed as '12, 152.5 minutes', and in seconds, as' 729,150 seconds' It can be expressed.

In this case, since the unit of time has been borrowed, minutes and seconds can be expressed together, so instead of '12, 152.5 minutes 'or' 729,150 seconds ', it can also be expressed as '12, 152 minutes (m) 30 seconds (s)'. Furthermore, since the unit of time has been borrowed, minutes can be converted into units of time (1 hour = 60 minutes) and expressed as '202 hours (h) 32 minutes (m) 30 seconds (s)'. (1 day = 24 hours) It can also be expressed as '8 days (dd) 10 hours (h) 32 minutes (m) 30 seconds (s)'. Furthermore, it is of course possible to express the conversion time value by further using the units of month, year, and therefore, seconds (s), minutes (m), hours (h), days (dd), months (mm), years (yy) ) Is a conversion time value that expresses a standard currency by borrowing a time unit that includes at least one of them.

In addition, the case of less than the standard amount of 100 won is as follows. Ten won becomes 6 seconds (s), and one won becomes 0.6 seconds (s). There are transitions below the original unit, which is usually applied only at the time of currency exchange, and usually the unit or application that is cut off is required, and the unit is 100 won per unit. And 10 matches is 0.06 seconds (s) and 1 match is applied to 0.006 seconds (s).

In this way, the standard currency is expressed in units of time, for example, '8 days (dd) 10 hours (h) 32 minutes (m) 30 seconds (s)', etc. Is a different concept and is simply a way of expressing money, borrowing time units.

The account management module 700 performs a function of accumulating and converting the converted time value of the standard currency and generating an account to use, and transmitting and converting the converted time value to the corresponding account, thereby generating an account for the account generation unit 710 ) And the value charging unit 720 are basically included.

The account generating unit 710 is provided for each user 20 and performs a function of generating an account that accumulates and uses the conversion time value. Since such an account can be thought of as a conventional electronic wallet for cryptocurrency, it is detailed. Omit the description. The conversion time value is accumulated in these accounts, and the conversion time value can be referred to as the standard currency. Therefore, the use of the conversion time value means that the standard currency is used.

The value charging unit 720 serves to charge the converted time value in the account by transmitting the converted time value to the account of the user 20, and as described above, If the conversion time value such as' 8 days (dd) 10 hours (h) 32 minutes (m) 30 seconds (s) 'is generated by depositing $ 1,000, the corresponding amount, that is,' 8 days (dd) 10 hours ( h) 32 minutes (m) 30 seconds (s) 'is transferred to the account.

The conversion time value processed in this way is based on time, and this conversion time value reflects the exchange rate and is an integrated electronic money expressed in units of hours. When the electronic money of the present invention is applied, There will be no inconvenience in using and consuming finance, whether in your own country or anywhere in the world.

In addition, in the integrated electronic money generation system 10, which reflects the exchange rate of the present invention and is expressed in units of hours, it can be said that it is the key to express the standard currencies in units of hours after being converted into the standard currencies. It is to take one step further from the peculiarity of bringing up the concept of 'time' as expressed in units.

Therefore, it is possible to impart an event property using 'time' in the exchange of currency into the standard currency. That is, the concept of time called in the present invention can be used for currency exchange between countries and currencies, which will be described below.

3 is a block diagram showing a detailed configuration of the system 10 of the present invention, and FIG. 4 is a conceptual diagram showing an example of calculating the duplicate data of the present invention.

Referring to Figures 3 and 4 will be described with respect to the additional configuration that can be included in the integrated electronic money generation system 10 that reflects the exchange rate of the present invention and is expressed in units of time.

First, in the present invention, it is said that the currency unit of the money transfer amount deposited from the user 20 is set to the standard currency through the exchange rate setting module 300. In this case, the standard currency may be a common commercial currency that is actually used, but it is also possible to re-create the exchange rate by newly generating the standard currency as a third currency, not a commercial currency, that is, a virtual currency.

As a configuration for this, first, the currency exchange module 400 differentially converts the remittance amount of the remittance money, which is the currency of the remittance country, sent by the user 20 into the standard currency according to the exchange rate between the remitting country and the target country. Can handle it.

In this case, the term "differential currency exchange process" for the standard currency is basically the same as that in Section 1. This is equivalent to supplementing the explanation in paragraph 1 that when the currency of the target country is the reference currency, the currency is differentially processed into the standard currency according to the exchange rate between the remitting country and the target country.

However, it is possible to create another configuration by substituting the reference currency as a third currency, not a commercial currency, as a virtual currency as newly created and using it as described above.

In the description from now on, the reference currency is not one of the commercial currencies and is set as the third virtual currency. Therefore, the system 10 of the present invention can be generated by mining a reference currency, which is a virtual currency, through a separate configuration, for example, a reference currency generation module.

The standard currency is converted from the amount of money transferred by the user 20 according to the exchange rate set by the exchange rate setting module 300, and the reference currency is priced in units of time by the value setting module 500. will be.

At this time, in the exchange of the standard currency, when setting the exchange rate through the exchange rate setting module 300, the standard currency is differentially processed according to which country the remittance was made to. This description means that the remittance amount of the remittance money, which is the currency of the remitting country, sent by the user 20, is differentially converted into a standard currency according to the exchange rate between the remitting country and the target country.

This is the basis for using the standard currency, which is a new virtual currency, when remitting the amount of money for exchange to the standard currency from Korea to the United States to use the standard currency in the United States, and using the standard currency in Japan. It is possible to create a new exchange rule that reflects the value of each country by differently setting the exchange rate when remitting the amount of money for currency exchange from Korea to Japan.

As an example of this, let's say that in order to use the standard currency in the United States, the amount in Korean won was transferred to the United States. If 10000 won was transferred, 10000 won was converted into '30 minutes' as the standard currency, reflecting the exchange rate between Korea and the United States and the standard currency used in the United States.

In this case, if you want to use the standard currency in Japan, let's say that the amount in Korean won was transferred to Japan. If 10000 won was remitted, 10000 won was converted into '50 minutes' as the standard currency, reflecting the exchange rate between Korea and Japan and the standard currency used in Japan.

In this way, depending on the country to which country the money transfer occurred, even if the money is exchanged in the same standard currency, a differential exchange may occur, and the rule is to calculate the rules.

It is also possible to make a differential currency exchange by reflecting the exchange rate in the existing currency, or it is also possible to give a separate new rule, in which case the system 10 of the present invention determines the value of the currency. As expressed in units, as much as the currency is expressed in units of time, we can take a step further from the peculiarity of bringing up the concept of 'time' and use time when setting the exchange rate. At this time, time acts as a weight.

At this time, the time is different for each country, and it may be characterized by how to efficiently reflect the time in the exchange rate. To this end, the exchange rate setting module 300 of the present invention reflects the time difference for each country to change the exchange rate. Set it. That is, in addition to the exchange rate based on the sale / buy for each currency used in the conventional commercial currency, the time difference between countries is used as a weight in the exchange rate.

This is a completely new exchange rate setting method, which is a new method that brings about the specificity of the concept of 'time', which can be applied in the virtual currency of the present invention, and the detailed configuration of this is as follows.

First, the exchange rate setting module 300 includes a first value calculation unit 310, a second value calculation unit 320, a time difference value calculation unit 330, and a final exchange rate calculation unit 340. do.

The first value calculating unit 310 is a function for calculating the first currency value based on the sales amount and the number of purchases of the first currency, which is the currency of the first country. At this time, the first country is officially included on the earth. It refers to any one of the countries. The currency issued by the first country, which is commonly used in such a first country, is the first currency, for example, Korean won, US dollars, Japanese yen, and the like.

How much of the first currency is sold, how long is the amount of purchase, and the amount of purchase, the amount of sale for the first currency is to grasp how much the first currency has been exchanged for another currency. The purchase quantity for money is to understand how much money has been exchanged into the first currency. It is possible to determine how valuable this currency is by grasping the sales and purchase quantity of the specific currency, and based on that, the first currency value is calculated. At this time, the first monetary value is preferably set in the range of 0 to 1.

The second value calculator 320 calculates the second currency value based on the sales and purchase quantity of the second currency, the currency of the second country, which has the same function as the first value calculator 310. It is to grasp the value of the second currency by calculating the amount of sales and purchases for the second country, which is different from the first country, the country that issued the first currency. At this time, the second currency value is preferably set in the range of 0 to 1.

The time difference value calculating unit 330 may also be referred to as a characteristic of the exchange rate setting module 300 of the present invention, and calculates a time difference reflected value according to a time difference between the first country and the second country. This is because the conversion time value used as the currency of the present invention is an electronic money expressed by borrowing time units, so it is conceived in that it borrows the concept of 'time'. Therefore, the time difference and the time difference between countries, which is one of the characteristics that can appear in remittance / transaction between countries, can be reflected in the exchange rate, and the time difference value can be calculated. The parallax reflecting value may be the same value as the parallax, but the parallax may be a corrected value.

The time difference value calculating unit 330 will be described in more detail. The time difference value calculating unit 330 may further include a time difference detecting part 331, a duplicate date calculation part 332, and a value calculating part 333. have.

The time difference grasping part 331 identifies the time difference between the first country and the second country. If the time difference is 1 hour 00 minutes in the case of Korea-China, the hour difference is determined as 1 hour 00 minutes. If the time difference occurs in several states, such as the United States, the time difference is determined by setting the state in which the time difference occurs, that is, the state in units of countries.

The duplicated daytime calculation part 332 performs a function of calculating duplicated time between the first country and the second country based on the time difference. At this time, the duplicated datetime is generally performed. It is to determine how much data overlaps between the two countries where remittance is performed by calculating the range of 9 am to 6 pm (daytime) specified by hours and working hours as data.

To be precise, (Daytime overlaps the amount of time) / (Daytime defined as the amount of time) becomes the duplicated daytime. This is because the length of time specified as the data may vary. (For example, it is possible to set data from 9 am to 6 pm, but it is also possible to set data from 10 am to 5 pm.)

At this time, for example, in Korea-China, the time difference is one hour. If you set the data from 9 am to 6 pm. The size of time specified as data is 9 hours, and the amount of time overlapping data is 8 hours. Therefore, the value calculated as a duplicate day time may be 8/9.

If you are from California between Korea and the United States, the time difference is 16 hours. In addition, 9:00 am in Korea is 5 pm in California, and 6 pm in Korea is 2 am in California. So if you set the data from 9 am to 6 pm. The amount of time specified as data is 9 hours, and the amount of time when data is overlapped is 1 hour. Therefore, the value calculated as a duplicate day time may be 1/9. Therefore, it can be determined through this that the value of the duplicate daytime can be 0 to 1.

In addition, in the present invention, since the calculation of the overlapping daytime should be based on setting the data, data that can be determined to be normal daytime such as 9 am to 6 pm and 10 am to 5 pm as described above. The data setting part for setting an arbitrary length may be additionally included in the parallax value calculating part 330 of the present invention.

The value calculation part 333 performs a function of calculating the parallax reflecting value based on the parallax and the duplicated data calculated as described above. This basically reflects the overlapping data in the time difference so that the parallax reflecting value is calculated. In this case, it is of course possible to set how much the overlapping data is reflected.

In order to adjust the amount of reflection of the overlapping daytime, the parallax value calculating unit 330 may further include a reflectionweighting calculation part 334 for calculating the reflectionweighting value for the overlapping daytime. The reflected weight calculation part 334 calculates how important it is to determine the overlapping data in terms of parallax reflecting value, and the reflecting weight of the overlapping date may vary depending on the time difference, or the importance of the system 10 may be determined. Can be adjusted accordingly. At this time, the reflection weight can be adjusted in the range of 0 to 1.

Accordingly, the value calculation part 333 reflects the overlapping data equal to the reflected weight to the parallax and calculates the parallax reflected value, which can be implemented through the following equation.

Equation,

는 상기 제 1 국가와 상기 제 2 국가 사이의 시차반영가치,

는 상기 제 1 국가와 상기 제 2 국가 사이의 시차,

는 상기 제 1 국가와 상기 제 2 국가 사이의 중복데이타임,

는 반영가중치를 의미한다.here,

Is the parallax reflecting value between the first country and the second country,

Is the time difference between the first country and the second country,

Is a duplicate daytime between the first country and the second country,

Means reflected weight.

Take the example of Korea-China. The time difference is 1 hour, and the overlapping day time is 8/9. If the reflected weight is set to 1, the parallax reflected value is calculated as 0.8948.

This is a value corrected for parallax. The larger the parallax, the less overlapping daytime data overlaps, and the lower the reflection weight, the lower the value, but does not represent a value less than or equal to 0. In addition, it has a merit that it is possible to correct the difference in the length of time during the working hours or daytime, which can be judged through time difference, and further adjust the reflected value of the difference.

Returning to the description again, the final exchange rate calculator 340 of the exchange rate setting module 300 will be described. The final exchange rate calculator 340 finally calculates the exchange rate for the reference currency between the first country and the second country based on the calculated first currency value, the second currency value, and the disparity reflection value. This is to calculate the exchange rate between the first country and the second country by further reflecting the disparity reflecting value calculated through the above-described explanation, in addition to comparing the currency values of each country, which can be called the existing exchange rate setting method. In addition, the time difference between the 'time' and one of the characteristics that may appear during remittance / transaction between countries is reflected in the exchange rate, and at the same time, the difference in the length of business hours or daytime that can be judged through the time difference is reflected in the exchange rate. It has a characteristic.

Further, since it is based on the fact that the exchange rate occurs between countries, further weighting for each country can be used to adjust the exchange rate. To this end, the exchange rate setting module 300 includes the national group classification unit 350 and The group weight setting unit 360 may be further included.

The country group classification unit 350 classifies a plurality of the above countries into a plurality of country groups, wherein the classification of the country groups is a general classification method by continent (Asia, Europe, North America, South America, Africa, Oceania ), Or it is also possible to group countries with the same time zone into one country group by classifying by longitude in the classification between country groups.

The group weight setting unit 360 means setting a group weight for each country group, which may mean setting a group weight for each continent if the country group is classified by continent. At this time, the method of setting the group weight is based on the fact that there are no special restrictions. Furthermore, when the country group is classified by longitude, countries having the same time zone are classified into the same country group. At this time, the group weight can also be set for each country group. The group weight is based on the fact that all country groups may be assigned equally or differentially, but preferably, the group weight is differently assigned to each country group.

In this case, the final exchange rate calculator 340 calculates an exchange rate based only on the first currency value and the second currency value and the disparity reflected value, and further compares the group weight to the final exchange rate, and calculates the first exchange rate. The exchange rate for the base currency between the country and the second country is finally calculated.

Equation,

는 제 1 국가로부터 제 2 국가로 환전을 수행하였을 때의 기준화폐에 대한 환율,

는 제 1 국가와 제 2 국가 사이의 상용환율,

은 제 1 화폐가치,

는 제 2 화폐가치,

는 상기 제 1 국가와 상기 제 2 국가 사이의 시차반영가치,

은 제 1 국가의 그룹가중치,

는 제 2 국가의 그룹가중치를 의미한다.)(here,

Is the exchange rate for the base currency when the currency is exchanged from the first country to the second country,

Is the commercial exchange rate between the first and second countries,

Is the first monetary value,

Is the second currency value,

Is the parallax reflecting value between the first country and the second country,

Is the group weight of the first country,

Means group weighting in the second country.)

가 168.38원이 된다. 만약

이 1,

가 0.8,

가 상술한 바와 같이 산출된 0.8948,

=

가 1인 경우,

는 115.26원으로 산출된다.If it is, consider the Korea-China relationship. For the exchange between Korea and China, China's 1 yuan = 168.38 won. If you grasp the first country as China and the second country as Korea, the actual exchange rate actually used, that is, the exchange rate that is commonly used in reality, is the commercial exchange rate.

Becomes 168.38 won. if

This 1,

0.8,

0.8948 calculated as described above,

=

Is 1,

Is calculated at 115.26 won.

This correction of the exchange rate is more deviating from the existing exchange rate calculation method using only the commercial exchange rate, and reflects the currency value calculated for each country and the time difference between countries in the exchange rate, and at the same time, it is possible to judge through the time difference or work time. The difference in length was reflected in the exchange rate, and furthermore, countries were grouped to further reflect the weight assigned to each country group in the exchange rate.

As described so far, the configuration and operation of the integrated electronic money generation system 10, which reflects the exchange rate according to the present invention and is expressed in units of hours, are expressed in the above description and drawings, but this is merely an example, and the present invention The spirit is not limited to the above description and drawings, and various changes and changes are possible without departing from the technical spirit of the present invention.

10: system 20: user
30: main server 100: deposit application module
110: national confirmation unit 120: information input unit
200: deposit execution module 210: account issuance
220: deposit processing unit 300: exchange rate setting module
310: first value calculation unit 320: second value calculation unit
330: time difference value calculation unit 331: time difference detection part
332: Duplicate day time calculation part 333: Value calculation part
334: Reflected weight calculation part 340: Final exchange rate calculation part
350: national group classification unit 360: group weight setting unit
400: currency exchange module 500: value setting module
600: time conversion module 700: account management module
710: account creation department 720: value charging department

Claims (12)

As an integrated electronic money generation system that reflects exchange rates and is expressed in hours,
A deposit application module including a country identification unit for receiving a target country as a name of a country to which a user wants to send money, and an information input unit for receiving remittance bank information and a remittance amount from the user;
A deposit execution module that receives the transfer amount from the user through a dedicated account corresponding to the transfer bank information;
An exchange rate setting module for setting an exchange rate in which the currency unit of the remittance amount deposited from the user is converted into a standard currency;
A currency exchange module for converting the remittance amount into the standard currency according to the exchange rate;
A value setting module for setting the currency value of the reference currency as a unit of time;
A time conversion module for converting the converted time value converted from the reference currency converted into units of time according to the established value;
Includes an account management module including an account creation unit for generating an account that is assigned to each user to accumulate and use the conversion time value, and a value charging unit for processing the converted time value to be transferred to the user's account. ,
The country confirmation unit further receives a remittance country, which is the country where the user performed the remittance,
The currency exchange module differentially processes the amount of money remitted from the remittance country remitted by the user into the reference currency according to the exchange rate between the remitting country and the target country,
The exchange rate setting module sets the exchange rate by reflecting the time difference for each country,
The exchange rate setting module,
A first value calculation unit that calculates the value of the first currency based on the sales and purchase quantity of the first currency, the currency of the first country, and a second value based on the sale and purchase quantity of the second currency, the currency of the second country. A second value calculating unit for calculating a monetary value, a parallax value calculating unit for calculating a parallax reflection value, which is a value in which the parallax is corrected according to a time difference between the first country and the second country, and the first monetary value and And a final exchange rate calculator for finally calculating the exchange rate for the reference currency between the first country and the second country based on the second currency value and the parallax reflection value,
The parallax value calculation unit,
A time difference grasping part for determining a time difference between the first country and the second country, and
And a duplicate date time calculation part that calculates a duplicate data time between the first country and the second country based on the time difference, and a value calculation part that calculates the parallax reflecting value based on the time difference and the duplicate data. So,
The overlapping daytime calculation part calculates the overlapping data by dividing the size of the time overlapping the data by the size of the time specified as the data,
The parallax value calculation unit further includes a reflection weight calculation part for calculating a reflection weight for the overlapping daytime,
The value calculation part, reflects the exchange rate and the time difference value, characterized in that reflecting the overlapping data equal to the reflected weight in the time difference, the integrated electronic money generation system represented by the time unit reflecting the exchange rate. According to claim 1,
The deposit execution module,
An account issuing unit for issuing and processing the dedicated account, which is a virtual account for the remittance bank information, to the user;
An integrated electronic money generation system that reflects the exchange rate and is expressed in units of hours, further comprising a deposit processing unit that receives the remittance amount from the user through the dedicated account. According to claim 1,
The time conversion module,
The conversion time value is represented by at least one of seconds (s), minutes (m), hours (h), days (dd), months (mm), and years (yy), reflecting the exchange rate, and time unit Integrated electronic money generation system represented by. delete delete delete delete According to claim 1,
The exchange rate setting module,
A national group classification unit classifying a plurality of the countries into a plurality of country groups;
A group weight setting unit for differentially setting the group weight for each country group is further included.
The final exchange rate calculation unit,
Characterized in that the final exchange rate for the reference currency between the first country and the second country based on the first currency value and the second currency value and the parallax reflected value and the group weight, An integrated electronic money generation system that reflects exchange rates and is expressed in hours. delete According to claim 1,
The value calculation part,
Integrated electronic money generation system that reflects the exchange rate and is expressed in units of time, characterized in that the parallax reflecting value is calculated through the following equation.
Equation,

(here,

Is the parallax reflecting value between the first country and the second country,

Is the time difference between the first country and the second country,

Is a duplicate daytime between the first country and the second country,

Means reflected weight.) The method of claim 8,
The final exchange rate calculation unit,
An integrated electronic money generation system that reflects the exchange rate and is expressed in units of hours, characterized in that the final exchange rate for the reference currency between the first country and the second country is calculated through the following equation.
Equation,

(here,

Is the exchange rate for the base currency when the currency is exchanged from the first country to the second country,

Is the commercial exchange rate between the first and second countries,

Is the first monetary value,

Is the second currency value,

Is the parallax reflecting value between the first country and the second country,

Is the group weight of the first country,

Means group weighting in the second country.) The method of claim 11,
The parallax reflecting value,
Integrated electronic money generation system that reflects the exchange rate and is expressed in units of time, characterized by being calculated through the following equation.
Equation,

(here,

Is the parallax reflecting value between the first country and the second country,

Is the time difference between the first country and the second country,

Is a duplicate daytime between the first country and the second country,

Means reflected weight.)

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