KR102179805B1 - System and method for Internet foreign exchange transaction using encryption and decryption - Google Patents

Abstract

The present invention relates to an internet foreign exchange trading system and method using encryption/decryption, comprising the steps of: receiving, by a user, an internet foreign exchange trading service member subscription information from a browser to an internet foreign exchange trading system; After user authentication, purchasing cyber money using any one of a mobile phone payment, a credit card payment, and an account transfer payment for each transaction member; Notifying the selling/purchasing price for each foreign exchange according to the exchange rate announced on the day of the base currency/counter-currency presented by the foreign exchange bank, and providing a graph representing the exchange rate fluctuation index of the latest date for each currency; For foreign exchange transactions, providing foreign exchange selling/purchase price information of buyers and sellers at a price that is more advantageous than the base currency/counter-currency information for each currency announced by the foreign exchange bank; List information of buyers and sellers by currency-specific base currency/counter-currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY, etc.), and after obtaining the seller's consent according to the buyer's foreign exchange purchase request, authentication Transmitting a certificate issuance request message to the server, and receiving an electronic certificate for foreign exchange transaction; Encrypting foreign exchange transaction details information of foreign exchange buyers and sellers using a public key or personal encryption/decryption algorithm, and storing the encrypted foreign exchange transaction statement information in a foreign exchange transaction information DB; And storing foreign exchange transaction date and transaction time information, storing foreign exchange seller and buyer information in a database, decoding, and outputting foreign exchange transaction statement information.

Description

System and method for Internet foreign exchange transaction using encryption and decryption}

The present invention relates to an internet foreign exchange transaction system and method using encryption/decryption, and more particularly, to an internet foreign exchange transaction system and method using encryption/decryption, and more particularly, to a foreign exchange transaction bank in the domestic foreign exchange market. In an over-the-counter market, a foreign exchange seller connects to the Internet foreign exchange trading system and registers the foreign exchange in the seller's list.After the foreign exchange buyer runs an encryption program, the foreign exchange buyer wants to purchase on the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank. Post transaction information on the type of foreign exchange to be made and the desired purchase price, receive cyber money after signing up for an Internet foreign exchange transaction service member for foreign exchange transactions, and receive foreign exchange according to the exchange rate announced on the day of the purchaser/seller according to the trading standard rate in the OTC market By posting base currency/counter-currency information, viewing purchase/selling prices, obtaining an electronic transaction certificate that buys and sells foreign exchange, stores foreign exchange transaction statement information using encryption/decryption techniques, and transaction information of foreign exchange buyers and sellers by currency It is about managing.

The early history of foreign exchange trading began to develop with the development of trade 4,500 years ago, when metal currencies were made in Egypt and bills and bills were made in Babylonia.

In the 20th century, most foreign exchange transactions were conducted as commercial transactions, and with the prosperity of the British Empire, which was strong until the mid-1930s, London, which used the currency recognized as a means of trading and value storage in British pounds, was the center of foreign exchange trading.

The foreign exchange rate is defined as the rate at which the currencies of two countries are exchanged with each other during foreign exchange transactions, and since it always plunges and fluctuates according to the demand and supply conditions of the foreign exchange market, foreign exchange reserves fluctuate with deposits and withdrawals according to the exchange rate. .

Under the fixed exchange rate system, if the exchange rate of the US dollar rises from 1,000 won (KRW/USD) to 1,100 won (KRW/USD), it is said that the won is devaluated, and the exchange rate is from 1,000 won (KRW/USD) to 900. It is said that the won (KRW/USD) is'revaluation'.

In Korea, a fixed exchange rate system before 1964, a single variable exchange rate system since December 1974, was operated at 484 won per dollar, and the exchange rate increased to 580 won per dollar in January 1980. After that, the market average exchange rate system, free variable exchange rate It is operated as a managed variable exchange rate system through the intervention of the system and monetary authorities.

For example, the foreign exchange transaction volume of Korean funds brokerage was 879.5 (million dollars), the total volume (million dollars) of the previous day was 1947.50, the standard rate of today was 1189.90, and the trend of the previous day. Today's view. The transaction started at 1192 won, 8 won lower than the previous day due to the fall of the US dollar/Japanese yen, and after rebounding to 1197.40 won, it fell to 1190.20 won due to the fall of the US dollar/Japanese yen and offshore dollar sales, and the morning trading ended at 1190.30 won. Afternoon trading resumed at 1185 won, which plunged 5 won from the closing price in the morning, and the dollar/yen exchange rate fell to 1184 won when the exchange rate fell to the late 116 yen range.

These days, along with tourist oil paintings, a small amount of foreign currency owned by each individual is being neglected. Each individual suffers a loss by incurring an exchange fee when exchanging such foreign currency at a bank.

Therefore, since each individual is inconvenient to exchange foreign currency and has a high exchange fee, there is a problem that they do not use a lot of foreign currency but leave it as it is, with the idea that they will use it later.

In addition, there was a problem that foreign exchange transactions were made only in the marketplace of the foreign exchange market where each individual visited a foreign exchange bank and checked the exchange rate announced on the day for each currency.

The present invention is to solve the above-described problem, in which a foreign exchange seller accesses an Internet foreign exchange trading system in an over-the-counter market other than a foreign exchange trading bank in the domestic foreign exchange market, registers the foreign exchange in the seller list, and the foreign exchange purchaser runs an encryption program. After that, refer to the exchange rate announced on the day of the foreign exchange bank and post transaction information on the foreign exchange purchaser list at a more favorable price and the type of foreign exchange to be purchased and the desired purchase price. Receive cyber money through either credit card payment or account transfer payment, and base currency/counter-currency (KRW/USD, for each foreign exchange) according to the exchange rate announced on the day issued by the buyer/seller according to the trading standard rate in the over-the-counter market. KRW/CAD, KRW/EUR, KRW/JPY) information is posted, the purchase/sell price is viewed, and an electronic transaction certificate is issued to buy and sell foreign exchange, and the foreign exchange transaction statement information is stored by encryption/decryption method, and foreign exchange by currency Its purpose is to provide an Internet foreign exchange trading system and method using encryption/decryption that manages the transaction information of buyers and sellers.

However, the object of the present invention is not limited to the above-mentioned object, and another object that is not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the present invention provides an Internet foreign exchange transaction system using encryption/decryption, a WWW server connecting the Internet from a browser of an Internet foreign exchange transaction service user; A control unit for controlling overall operations for the Internet foreign exchange transaction service; A member information management unit that announces the terms of use and manages member information for the Internet foreign exchange transaction service; A user authentication unit for authenticating the user of the Internet foreign exchange transaction service; A cyber money management unit that provides cyber money; It is connected to the authentication server, and the exchange rate is displayed in a graph by the base currency/counter-currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/YEN, etc.) for each currency, and the foreign exchange seller accesses the Internet foreign exchange trading system to obtain foreign exchange. After registering the foreign exchange in the seller list, and after the foreign exchange buyer runs the encryption program, the type of foreign exchange to be purchased and the desired purchase price are posted on the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank. , Foreign exchange transaction information management unit notifying the purchase price and sale price of the foreign exchange bank; The foreign exchange transaction statement information between the foreign exchange buyer and seller for each of the above currency-specific base currency/counter-currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/YEN, etc.) An encryption/decryption unit that executes a key encryption/decryption algorithm; In foreign exchange transactions, foreign exchange transactions such as foreign exchange cash and traveler's checks are purchased/selled at a price lower than the exchange rate price suggested by the bank, and the foreign exchange transaction details of buyers and sellers are stored and managed for each base currency and counter currency. A transaction history information management unit; And a database for storing information on members of the Internet foreign exchange transaction service, exchange rate information received from a foreign exchange bank server, and foreign exchange transaction history information between buyers and sellers for each currency.

In order to achieve another object of the present invention, an Internet foreign exchange transaction method using encryption/decryption includes the steps of: (a) receiving Internet foreign exchange trading service member subscription information from a user's browser to an Internet foreign exchange trading system; (b) After running the encryption program provided by the above Internet foreign exchange trading system, refer to the exchange rate announced on the day of the foreign exchange bank to sell his foreign exchange to the foreign exchange seller list at a more favorable price and display the transaction information. Posting; (c) A foreign exchange buyer wants to purchase from the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank after accessing the Internet foreign exchange trading system, signing up for member information of the Internet foreign exchange transaction service, and running an encryption program. Posting transaction information on the type of foreign exchange and the desired purchase price; (d) after user authentication, if a foreign exchange transaction is desired, providing cyber money using any one of member-specific mobile phone payment, credit card payment, and account transfer payment; (e) In accordance with the trading standard rate suggested by the foreign exchange bank, the sale/purchase price for each foreign exchange is notified according to the exchange rate announced on the day of the base currency/counter-currency for each currency, and the index of exchange rate fluctuation of the latest date of the base currency/counter-currency for each currency Providing a representative graph; (f) during foreign exchange transactions, providing foreign exchange selling/purchase price information of buyers and sellers at a price that is relatively more advantageous than the base currency/counter-currency information for each currency announced by the foreign exchange bank; (g) By reporting the list information of buyers and sellers by base currency/counter-currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY, etc.) by currency, the seller's consent is obtained according to the foreign exchange purchaser's application for foreign exchange purchase. After receiving, transmitting a certificate issuance request message to the authentication server, and receiving an electronic certificate for foreign exchange transaction; (h) receiving foreign exchange transaction details information of foreign exchange buyers and sellers, encrypting them using public keys or personal encryption/decryption algorithms, and storing the encrypted foreign exchange transaction details information in the foreign exchange transaction information DB; And (i) foreign exchange transaction date and transaction time information are stored, and foreign exchange seller and buyer information (transaction date, currency information, purchase and sale price, name, address, social security number, phone number, etc.) are stored in a database and decoded. And outputting foreign exchange transaction history information.

In order to achieve another object of the present invention, the present invention provides a computer including: (a) a function of receiving Internet foreign exchange transaction service member subscription information from a user's browser to an Internet foreign exchange trading system; (b) After running the encryption program provided by the above Internet foreign exchange trading system, refer to the exchange rate announced on the day of the foreign exchange bank to sell his foreign exchange to the foreign exchange seller list at a more favorable price and display the transaction information. The ability to post; (c) A foreign exchange buyer wants to purchase from the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank after accessing the Internet foreign exchange trading system, signing up for member information of the Internet foreign exchange transaction service, and running an encryption program. The function of posting transaction information on the type of foreign exchange and the desired purchase price; (d) After user authentication, if a foreign exchange transaction is desired, a function of providing cyber money using any one of member-specific mobile phone payment, credit card payment, and account transfer payment; (e) In accordance with the trading standard rate suggested by the foreign exchange bank, the sale/purchase price for each foreign exchange is notified according to the exchange rate announced on the day of the base currency/counter-currency for each currency, and the index of exchange rate fluctuation of the latest date of the base currency/counter-currency for each currency The ability to provide a graph that represents; (f) In foreign exchange transactions, the function of providing foreign exchange selling/purchase price information of buyers and sellers at a price that is relatively more advantageous than the base currency/counter-currency information for each currency announced by the foreign exchange bank; (g) By reporting the list information of buyers and sellers by base currency/counter-currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY, etc.) by currency, the seller's consent is obtained according to the foreign exchange purchaser's application for foreign exchange purchase. After receiving, transmitting a certificate issuance request message to the authentication server, and receiving an electronic certificate for foreign exchange transaction; (h) A function of receiving foreign exchange transaction details information of foreign exchange buyers and sellers, encrypting them using public keys or personal encryption/decryption algorithms, and storing the encrypted foreign exchange transaction details information in the foreign exchange transaction information DB; And (i) foreign exchange transaction date and transaction time information are stored, and foreign exchange seller and buyer information (transaction date, currency information, purchase and sale price, name, address, social security number, phone number, etc.) are stored in a database and decoded. Provides a computer-readable recording medium that records a program for realizing the function of outputting foreign exchange transaction history information.

Features and advantages of the present invention will become more apparent from the following detailed description based on the accompanying drawings.

Prior to this, terms or words used in the present specification and claims should not be interpreted in a conventional and dictionary meaning, and the inventor may appropriately define the concept of the term in order to describe his or her invention in the best way. It should be interpreted as a meaning and concept consistent with the technical idea of the present invention based on the principle that there is.

As described above, according to the present invention, the Internet foreign exchange trading system and method using encryption/decryption is a foreign exchange seller accessing the Internet foreign exchange trading system in an over-the-counter market other than a foreign exchange trading bank in the domestic foreign exchange market and registering the foreign exchange in the seller list. After the foreign exchange buyer runs the encryption program, the foreign exchange buyers list the type of foreign exchange to be purchased at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank, and the desired price to be purchased on the Internet. After signing up for a foreign exchange transaction service member, apply for cyber money to receive cyber money by any one of mobile phone payment, credit card payment, and account transfer payment, and the exchange rate announced on the day of the purchaser/seller in the over-the-counter market according to the trading standard rate. Depending on the currency, information on the base currency / counter currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY) is posted, and an electronic transaction certificate is issued and encrypted to view the purchase/sell price and buy/sell foreign exchange. It has the effect of storing foreign exchange transaction statement information with a /decryption technique and managing the transaction information of foreign exchange buyers and sellers by currency.

1 is a block diagram of an Internet foreign exchange transaction system using encryption/decryption according to the present invention.
2 is a flowchart illustrating an Internet foreign exchange transaction method using encryption/decryption according to an embodiment of the present invention.
3 is a diagram showing foreign exchange transaction details information.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. In this process, the thickness of the lines or the size of components shown in the drawings may be exaggerated for clarity and convenience of description.

In addition, terms to be described later are terms defined in consideration of functions in the present invention and may vary according to the intention or custom of users or operators. Therefore, definitions of these terms should be made based on the contents throughout the present specification.

In addition, the following examples do not limit the scope of the present invention, but are merely exemplary matters of the elements presented in the claims of the present invention, and are included in the technical idea throughout the specification of the present invention and the composition of the claims. Embodiments including elements that can be substituted as equivalents in elements may be included in the scope of the present invention.

1 is a block diagram of an Internet foreign exchange transaction system using encryption/decryption according to the present invention.

The Internet foreign exchange transaction system 100 using encryption/decryption according to the present invention is a foreign exchange buyer/seller's browser 200, 210, an authentication server 300, and a foreign exchange bank server through an internet network in the domestic over-the-counter market during foreign exchange transactions. It is linked with (310).

The Internet foreign exchange trading system 100 undergoes a legal reporting procedure for trading transactions to a foreign exchange bank or foreign exchange management financial authority (Bank of Korea) on a monthly/weekly basis while conducting foreign exchange transactions at the over-the-counter. Receive approval procedures encountered. This system is used to convert foreign exchanges remaining when traveling abroad (US Dollar/Korean Won (USD/KRW), US Dollar/Japanese Yen Exchange (USD/JPY), Euro/Korean Won (EUR/KRW), etc.), overseas Traveling customers (Korean Won/US Dollar Exchange (KRW/USD), Korean Won/Euro Exchange (KRW/EUR), Korean Won/Japanese Yen Exchange (KRW/JPY)), Overseas Business Trip and Overseas Travel Expenses, Overseas Students It is mainly used for overseas remittances.

In accordance with the Foreign Exchange Transaction Act, the Internet foreign exchange transaction system 100 is authorized for foreign exchange brokerage business in accordance with the legal reporting procedure from the monetary authority (Bank of Korea or foreign exchange transaction bank), and has the right to trade, exchange, and lease foreign exchange brokerage services excluding foreign currency securities. Is given.

The Internet foreign exchange transaction system 100 includes a WWW server 110, a control unit 120, a member information management unit 130, a user authentication unit 140, a cyber money management unit 150, and foreign exchange transaction information according to purchase/sell prices for each currency. Consists of a database 190 including a management unit 160, an encryption/decryption unit 170, a transaction history information management unit 180, a member DB 191, an exchange rate DB 192, and a foreign exchange transaction information DB 193 do.

The WWW server 110 receives an HTTP Request message from a browser of an Internet foreign exchange service user, and transmits an HTTP Reply message in response thereto.

The control unit 120 controls the overall operation for the Internet foreign exchange transaction service.

The member information management unit 130 notifies the terms of use of the Internet foreign exchange transaction service, provides a function to set and change ID and Passwd, and provides member information (ID, Passwd, name, resident registration number, home address, company) for the Internet foreign exchange transaction service. Address, mobile phone number, home phone number, e-mail address, etc.) are subscribed and stored in the member information DB 191.

The user authentication unit 140 authenticates whether a user has subscribed to an Internet foreign exchange transaction service by receiving an ID and a passwd from a user's browser.

The cyber money management unit 150 pays a predetermined amount using any one of mobile phone payment, credit card payment, or account transfer payment by an authenticated member who has subscribed to the Internet foreign exchange transaction service, and provides detailed foreign exchange transactions by the seller or buyer. Buy cyber money so you can see the information.

When a foreign exchange seller or buyer member purchases cyber money, a certain number of foreign exchange buyers by foreign exchange type can inquire detailed transaction details of the posted seller information, and consume cyber money for each foreign exchange purchase or sale transaction. , Members with a lot of actual foreign exchange transaction information are allocated a certain level of mileage and use it by charging a certain percentage of cyber money.

The foreign exchange transaction information management unit 160 according to the purchase/sell price for each currency (foreign exchange type) is connected to the authentication server 300, and the base currency/referential currency for each currency (KRW/USD, KRW/YEN, KRW/EUR, etc.) The exchange rate that fluctuates rapidly by date is displayed in a graph, the foreign exchange seller accesses the Internet foreign exchange trading system and registers the foreign exchange in the seller list, the foreign exchange purchaser runs the encryption program, and then refers to the exchange rate announced on the day of the foreign exchange bank. Therefore, the foreign exchange bank's purchase price and sale price are announced by posting transaction information on the type of foreign exchange to be purchased and the desired purchase price on the list of foreign exchange buyers at a more favorable price.

The encryption/decryption unit 170 encrypts and stores foreign exchange transaction statement information between foreign exchange buyers and sellers for each base currency/counter currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY, etc.) And, at the time of inquiry, it is decrypted using a public key or private key encryption/decryption algorithm and output.

The transaction history information management unit (180) purchases/sells at a price lower than the exchange rate price suggested by the foreign exchange bank, such as foreign exchange cash and traveler's checks, during foreign exchange transactions, and by currency-specific base currency/counter-currency (KRW/USD, KRW) /EUR, KRW/CAD, KRW/JPY, etc.) Foreign exchange transaction statement information of buyers and sellers (buyer ID, seller ID, buyer identification card image, seller identification card image, transaction date and transaction time, base currency/counter-currency for each currency) Category, currency type (type of foreign exchange, USD, EUR, CAD, JPY, GBP, CHF, etc.), purchase and sale price, name, address, social security number, phone number, e-mail address, currency exchange reason and funding source information, over-the-counter currency Market exchange rate, purchase price or selling price, total transaction amount) are stored and managed in the foreign exchange transaction information DB 192.

When a member of a foreign exchange seller and buyer purchases cyber money through the Internet foreign exchange trading system 100, they can search information posted on a certain number of foreign exchange sellers and buyers of 10 to 20 transactions per currency, and trade required foreign exchanges. Cyber money is consumed for each foreign exchange transaction between the seller and the buyer. Members with a lot of foreign exchange transaction information charge more cyber money by applying a certain level of mileage each time a predetermined number of times is increased.

Buyers who want to purchase foreign exchange in a specific currency (type of foreign exchange, US dollar (USD), euro (EUR), Canadian dollar (CAD), Japanese yen (JPY), British pound (GBP), Swiss franc (CHF), etc.) Refers to the foreign exchange seller's information on the exchange rate and the total amount of foreign exchange in possession of the transaction issued by the foreign exchange seller by the posted currency, and inquires the posted foreign exchange seller's information. ), a foreign exchange transaction is requested directly between the parties and the transaction is made.

After the direct transaction between the foreign exchange seller and the buyer is made, the buyer or seller must transmit and store the foreign exchange transaction statement information to the transaction details information management unit 180 of the internet foreign exchange transaction system 100, and then make a transaction to a monthly/weekly foreign exchange bank. Notify and report details.

Forex transaction statement information includes buyer ID, seller ID, buyer ID image, seller identification card image, transaction date and transaction time, base currency/counter-currency classification by currency, currency type (foreign exchange type, USD, EUR, CAD, JPY, etc.) , Purchase and sale price, name, address, social security number, phone number information, and OTC market exchange rate by currency, purchase price or sale price, and total transaction amount information.

The transaction history information management unit 180 always receives bank-designated exchange rate information from the foreign exchange bank server 131, provides a function to store it in the exchange rate DB 192, and after signing a foreign exchange transaction service affiliate contract with a foreign exchange bank, It is also possible to transmit the daily/weekly/monthly transaction details to the foreign exchange bank server 310 for each member's foreign exchange transaction statement information.

The database 190 is a member DB 191, an exchange rate DB 192, and a foreign exchange transaction that store information about members of an Internet foreign exchange transaction service, exchange rate information received from a foreign exchange bank server, and foreign exchange transaction history information between buyers and sellers for each foreign exchange type. It consists of an information DB 193.

Foreign exchange transactions increase the amount of foreign exchange transactions as product imports and exports increase, and deposits of import and export payments, overseas remittances, overseas stock investments, domestic transactions by foreign tourists, domestic investments by foreigners, currency exchange to target country currency when traveling abroad, spot and futures exchange Etc. Traditional foreign exchange market transactions are increasing.

In foreign exchange transactions, the foreign exchange rate is the rate at which the currencies of two countries are exchanged, and it always changes according to the demand and supply conditions of the foreign exchange market.

The market exchange rate refers to the inter-bank exchange rate in the form of wholesale price applied between banks, and the margin is deducted based on this market exchange rate, and the customer exchange rate in the form of retail price is determined.

The exchange rate between banks and the customer exchange rate is divided into two types: the buy rate and the sell rate, and the exchange rate at which you want to buy a foreign exchange (the price to purchase foreign currency) in the foreign exchange market is called the bid-rate, and the foreign exchange rate of a country The exchange rate at which you want to sell (the price at which you want to sell foreign currency) is called the offer rate or ask rate.

In the foreign exchange market, the offer rate (or ask rate) is the exchange rate the bank applies when selling foreign currency to a customer.

In customer-to-customer transactions, the bid-rate refers to the exchange rate that a bank applies when purchasing foreign exchange from a customer.

Based on the exchange rate expressed in the local currency against the US currency of 1 dollar, the exchange rates used in Korea include the trading standard rate, the telegraphic transfer rate, the traveler's check rate, and the cash rate.

Overseas foreign exchange market is a marketplace where foreign exchange dealers and foreign exchange brokers trade at a fixed time at a certain foreign exchange exchange, and foreign exchange directly by traders using various communication media such as telephone, telegraph, and computer without using the foreign exchange exchange. There is an over-the-counter market. When a foreign exchange dealer uses a foreign exchange broker, brokerage fees must be paid, but transactions are made at an exchange rate that is more favorable than direct transactions.

2 is a flowchart illustrating an Internet foreign exchange transaction method using encryption/decryption according to an embodiment of the present invention.

The Internet foreign exchange trading system 100 receives the Internet foreign exchange trading service member subscription information from the browser 200 and 210 by the user through the Internet network (S10).

The foreign exchange seller connects to the Internet foreign exchange trading system 100, subscribes to the member information of the Internet foreign exchange transaction service, runs an encryption program, and then refers to the exchange rate announced on the day of the foreign exchange bank and holds the foreign exchange ( Foreign currency, foreign exchange) (US Dollar (USD), Eurozone Euro (EUR), Canadian Dollar (CAD), Japanese Yen (JPY), etc.) are posted on the list of foreign exchange sellers for sale and transaction information.

Foreign exchange buyers connect to the Internet foreign exchange trading system 100, subscribe to the member information of the Internet foreign exchange transaction service, run the encryption program, and then refer to the exchange rate announced on the day of the foreign exchange bank to purchase a foreign exchange on the list of foreign exchange buyers at a more favorable price. Post transaction information of the type, desired price of purchase.

Internet Forex Trading Service All members confirm user authentication with ID and Passwd in the Internet Forex trading system 100 (S11), and then the foreign exchange seller accesses the Internet Forex trading system and registers the foreign exchange information to be sold in the seller list, After the foreign exchange buyer runs the encryption program, the foreign exchange transaction system (100) posts transaction information about the type of foreign exchange and the desired purchase price on the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank. ), to search the list of foreign exchange sellers and foreign exchange buyers, and purchase cyber money using one of the payment methods among member-specific mobile phone payments, credit card payments, and account transfer payments to enable detailed foreign exchange transactions if desired. Do (S12,13).

The Internet foreign exchange trading system 100 provides only the function of mediating foreign exchange transactions, and the foreign exchange demand and supply are formed between foreign exchange buyers and sellers in the formed foreign exchange market, so that foreign exchange transactions are made directly between the parties.

The Internet foreign exchange trading system 100 notifies the selling/purchase price of the currency according to the exchange rate announced on the day of the foreign exchange base currency/counter-currency according to the trading standard rate suggested by the foreign exchange bank, and the latest date of the base currency/counter-currency for each currency. Provides a graph showing the exchange rate fluctuation index of (S14).

The Internet foreign exchange trading system 100 provides foreign exchange selling/purchase price information of foreign exchange buyers and sellers at a price that is relatively more advantageous than the base currency/counter-currency information for each currency announced by the foreign exchange bank during foreign exchange transactions (S15).

The Internet foreign exchange trading system (100) displays list information of foreign exchange buyers and sellers by base currency / counter currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY, etc.) by foreign exchange type, and purchases of foreign exchange buyers. After receiving the consent of the foreign exchange seller in accordance with the application (S16) (S17), a certificate issuance request message is transmitted to the authentication server 300 to obtain an electronic certificate for foreign exchange transactions (S18).

The Internet foreign exchange transaction system 100 provides information on foreign exchange transaction statements of foreign exchange buyers and sellers after foreign exchange buyers and sellers transacted foreign exchange in a specific opened bank account or directly offline (trading date, base currency by currency, and counter currency. , Purchase and sale price, name, address, social security number, phone number, e-mail address, reason for currency exchange and source of funds, over-the-counter exchange rate, purchase price or sale price, total transaction amount information, etc. ) Is received and encrypted using a public key or a personal encryption/decryption algorithm, and the encrypted foreign exchange transaction statement information is stored and managed in the foreign exchange transaction information DB 193 (S19).

The Internet foreign exchange trading system 100 stores foreign exchange transaction date and transaction time information, and foreign exchange seller and buyer information (transaction date and time, currency information (USD 200), purchase and sale price, name, address, social security number, phone number, etc. ) Stored in the foreign exchange transaction information database (193), decrypted using a preset public key or private key encryption/decryption algorithm, and output and provide decrypted foreign exchange transaction details information do.

The Internet foreign exchange transaction system 100 checks whether or not illegal currency exchange using another person's name is used by storing information on sellers and buyers, reasons for exchange and sources of funds, and images of ID cards or related information between foreign exchange trading parties in the OTC market in a database.

3 is a diagram showing foreign exchange transaction details information.

In the foreign exchange market, an increase in the local currency denominated exchange rate means a decrease in the value of the local currency, and the selling rate is always higher than the buy rate, and the difference between the selling rate and the buying rate is called the spread.

For example, it is assumed that the exchange rate announced by the Bank of Korea or a foreign exchange bank on the day is set at USD/KRW at the selling price of 1,200 won for the sale, and 1,040 won for the purchase price at the time of purchase.

Internet foreign exchange trading system 100, after user authentication of the Internet foreign exchange trading service member, selects the type of base currency/counter-currency (KRW/USD) for foreign exchange, and the posted seller list and buyer list are inquired, and a predetermined amount is sent to the mobile phone. It purchases cyber money through payment, credit card payment, and account transfer, and consumes cyber money every time the seller or buyer's detailed information is viewed.

Referring to FIG. 3, a buyer who wants to purchase a foreign exchange at a slightly lower price than the exchange rate announced on the day suggested by the foreign exchange bank inquires the Internet foreign exchange transaction system 100, and is presented in an over-the-counter market that is presented at a relatively lower price than the foreign exchange bank. Depending on the buy rate/sell rate standard, the base currency/correspondence currency (KRW/USD, KRW/EUR, KRW/CAD, KRW/JPY) classification by currency, purchase/sell classification, currency classification (cash, traveler's check, etc.), transaction classification ( Untranslated, transaction completed), seller's name, phone number, address, whether or not to apply for purchase, the exchange rate indicated by the bank on the same day of the currency, and the over-the-counter exchange rate (1170) KRW, KRW 1120, KRW 1070, KRW 1130), etc.

The Internet Forex Trading System (100) has a price of 1170 won (10,000 dollars), 1120 won (20,000 dollars), 1070 won (30,000 dollars), 1130 won (US$/KRW) exchange rate offered by the foreign exchange seller. If a buyer who wants to purchase US dollars (USD) and wants to buy US dollars ($40,000), the other party's name, address, social security number, and contact number (mobile phone number, home phone number) , Check the email address, total transaction amount available, check the total amount available for each foreign exchange seller, check the total amount available for each foreign exchange seller, and obtain the consent of the other party with the seller (xx, park xx) who offered a cheap price. And writing information on the foreign exchange transaction statement for real name verification, opening a specific account at a specific bank separately opened between the foreign exchange buyer and the seller, or directly trading foreign exchange between the parties offline.

At this time, the Internet foreign exchange transaction system 100 attaches a foreign exchange transaction agreement between the foreign exchange seller and the buyer party, foreign exchange transaction statement information, and a copy of resident registration in the form of images (JPG, GIF, TIFF, etc.) to the foreign exchange transaction information DB (193). Store and obtain a certificate for electronic transactions to open a specific bank account number between the parties, or to conduct foreign exchange transactions at an advantageous price compared to buying and selling directly offline at a foreign exchange bank.

The foreign exchange transaction information is encrypted and stored in the database, and after verification of the real name authentication between the person in charge of the authority, the foreign exchange seller and the buyer, is decrypted and the transaction information can be inquired, and the seller's sales balance amount is displayed. When all sales or purchases are made, the transaction is marked as completed.

The foreign exchange transaction agreement complies with the Foreign Exchange Transaction Act, enforcement decrees and regulations and related laws for all individual foreign exchange transactions, and the Internet foreign exchange transaction system 100 allows foreign exchange banks to conclude foreign exchange transactions pursuant to this agreement, instructions and confirmation of customers, etc. It is possible to operate in connection with telephone conversations (clients and banks, employees, agents, and affiliates or branches).

In the foreign exchange market, there is a customer market in which foreign exchange transactions are conducted between foreign exchange banks and customers (corporations, individuals, government, etc.) depending on the parties to the transaction, and an interbank market in which transactions are conducted between foreign exchange banks.

The Internet foreign exchange transaction system 100 is a foreign exchange transaction brokerage system, in which foreign exchange buyers and sellers automatically conclude transactions through the computer network of foreign exchange brokers when dealers of foreign exchange banks directly input trading orders using a dedicated terminal. You can also use

The Internet foreign exchange trading system (100) provides various types of foreign exchanges such as the US dollar (USD), Canadian dollar (CAD), euro (EUR), and Japanese yen (JPY) between foreign exchange sellers and buyers in the OTC market. It provides forex trading functions in a peer-to-peer (P2P) method. When trading foreign exchange in the over-the-counter market, the foreign exchange seller mainly provides the function of exchanging the remaining foreign exchange after a business trip or overseas trip to the company.

Cyber money used in the Internet foreign exchange trading system (100) is used to inquire information of foreign exchange sellers by foreign exchange type as a member registration fee for the use of the Internet foreign exchange transaction service, and the base currency / counter currency (KRW/USD) for each foreign exchange type directly with cyber money. Direct foreign exchange sellers of KRW/EUR, KRW/CAD, KRW/JPY, etc.) purchase foreign exchanges at the market exchange rates provided by foreign exchange sellers and sell them to foreign exchange buyers. It provides a service that brokers foreign exchange transactions so that buyers and sellers can directly conduct foreign exchange transactions by inquiring the information of

Foreign exchange transactions are made directly between the foreign exchange seller and the buyer.

Members of foreign exchange sellers and buyers authenticate users with ID and Passwd in the Internet foreign exchange trading system 100, and then the foreign exchange seller accesses the Internet foreign exchange trading system 100 and registers the foreign exchange in the seller list, and the foreign exchange purchaser selects the type of foreign exchange, After running the encryption program, post transaction information on the list of foreign exchange buyers to purchase at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank, and sign up for an Internet foreign exchange transaction service member for foreign exchange transactions. After that, the cyber money is issued. In the over-the-counter market formed by the Internet foreign exchange trading system (100), the base currency/counter-currency information is posted for each foreign exchange according to the exchange rate announced on the day of the purchaser/seller according to the trading standard rate, and the buyer or seller reports the purchase/sell price. When purchasing cyber money for a certain amount of money for a transaction, a foreign exchange buyer makes a foreign exchange transaction by inquiring the detailed information of the posted information of a certain number of foreign exchange sellers, such as 10 to 20 cases for each foreign exchange type. Cyber money is consumed for each inquiry.

For details of the information posted by the foreign exchange seller, refer to the base currency/counterparty currency classification, the exchange rate announced by the bank, the OTC market exchange rate, the foreign exchange held (20,000 USD), the seller ID, the seller's name, address, social security number, and phone number (home phone number, mobile phone). Number), and email address information.

Members with a lot of actual foreign exchange transaction information are allocated a certain level of mileage and charge a certain percentage of cyber money. The buyer and seller are issued an electronic transaction certificate to buy and sell foreign exchange, store foreign exchange transaction statement information using encryption/decryption techniques, and manage transaction information of foreign exchange buyers and sellers by currency.

A buyer who wants to purchase a foreign exchange in a specific currency (type of foreign exchange, USD, EUR, CAD, JPY, etc.) is a foreign exchange seller posted by referring to the exchange rate of the transaction issued by the foreign exchange seller by the posted currency, and the total amount of foreign exchange they hold. By inquiring the information of the foreign exchange seller, send an SMS message to the foreign exchange seller's phone number, and apply for a foreign exchange transaction directly through a peer to peer (P2P) method. If the parties agree, foreign exchange transactions take place between the foreign exchange buyer and seller, either directly through a specific bank account or offline.

After a direct transaction is made between the foreign exchange seller and the buyer's party, the foreign exchange buyer or seller must transmit the foreign exchange transaction statement information to the transaction history information management unit 180 of the internet foreign exchange transaction system 100 and store it in the foreign exchange transaction information DB 193. do. The Internet foreign exchange transaction system 100 may make a contract with a foreign exchange trading bank, and then notify and report the transaction details to a foreign exchange bank that has made a contract on a daily/weekly/monthly basis.

Forex transaction statement information includes buyer ID, seller ID, buyer ID image, seller identification card image, transaction date and transaction time, base currency/counter-currency classification by currency, currency type (foreign exchange type, USD, EUR, CAD, JPY, etc.) , Seller's and buyer's name, address, social security number, phone number information, reason for exchange and source of funds, over-the-counter exchange rate, purchase price or sale price, and total transaction amount information issued by the seller by foreign exchange type according to the standard rate of trading in the OTC market.

The foreign exchange transaction statement information displays both the seller information and the buyer information.

The seller information is the seller ID, seller ID image, seller name, address, social security number, phone number (home phone number, mobile phone number), email address, base currency/counter-currency classification (KRW/USD), and foreign exchange transactions issued by the seller. It includes the exchange rate (1120 won), the selling price (20,000 dollars), the transaction date and time, and the total transaction amount.

Buyer information includes buyer ID, buyer ID image, buyer name, address, social security number, phone number (home phone number, mobile phone number), e-mail address, base currency/referral currency category (KRW/USD), and foreign exchange transaction issued by the seller. It includes the exchange rate (1120 won), the selling price (20,000 dollars), the transaction date and time, and the total transaction amount.

From the standpoint of a foreign exchange seller who wants to exchange or sell the remaining foreign exchange, even if the foreign exchange bank (Bank A) buys in US dollars in the customer market is 1,170 won (KRW/USD) and the selling rate is 1,200 (KRW/USD), when buying at an over-the-counter Foreign exchange banks buy foreign exchange at a lower minimum price (1070 won/USD) than the exchange rate suggested on the current day, and sell the remaining foreign exchange at a relatively high price.

Foreign exchange sellers and buyers directly trade foreign exchange, and then foreign exchange transaction statement information (buyer ID, seller ID, buyer identification card image, seller identification card image, transaction date and transaction time, base currency / counter currency classification by currency, currency type (foreign exchange) Type, USD, EUR, CAD, JPY, etc.), name, address, social security number, phone number information, and the over-the-counter exchange rate, purchase price or sale price, total transaction amount information provided by the foreign exchange seller by currency. It is transmitted to the system 100 and stored.

The exchange rate for customers in the over-the-counter market is announced by selecting the telegraphic exchange trading rate, the traveler's check trading rate, and the cash trading rate based on the trading standard rate notified every morning for each type of foreign currency known from the foreign exchange bank server 310.

The exchange rate suggested by Bank A is expressed as 1,170-1,200 (KRW/USD). When Bank A buys US dollars from customers, the exchange rate of 1,170 won is applied, and when selling dollars to customers, the exchange rate of 1,200 won is applied. It means I will.

From the customer's point of view, if you sell US dollars (USD) to Bank A, you will get 1,170 won for each dollar, and if you buy dollars from Bank A, you will have to pay 1,200 won for each dollar.

In addition, foreign exchange buyers can use mobile phones, SMS (Short Message Service), or e-mail at the appropriate exchange rate in the over-the-counter market suggested by other sellers, if the foreign exchange balance or sales volume is insufficient for a specific person who offered the cheapest price of the foreign exchange to be purchased. By directly transacting with the seller of the other party to purchase more foreign exchange, related foreign exchange transaction statement information is transmitted to and stored in the Internet foreign exchange transaction system 100.

The foreign exchange seller updates the foreign exchange transaction information DB193 and stores the transaction completion status or remaining foreign exchange balance information after partial foreign exchange transactions.

Therefore, in the case of foreign exchange transactions, in one embodiment, when a foreign exchange buyer wants to buy USD 2,300 dollars in the over-the-counter market by accessing the Internet foreign exchange trading system 100, the price is lower than the exchange rate presented according to the foreign exchange notified on the day. , After the foreign exchange seller has offered the lowest price, and after obtaining the consent of one or several foreign exchange sellers, he/she purchases the desired foreign exchange.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, memory card, hard disk, magneto-optical disk, etc.) in a form that can be read using software of a computer.

Although the present invention has been described in detail through specific examples, this is for explaining the present invention in detail, and the present invention is not limited thereto, and those of ordinary skill in the art within the spirit of the present invention It is clear that the transformation or improvement is possible.

All simple modifications to changes of the present invention belong to the scope of the present invention, and the specific scope of protection of the present invention will become apparent by the appended claims.

100: Internet Forex Trading System 110: WWW Server
120: control unit 130: member information management unit
140: user authentication unit 150: cyber money management unit
160: Foreign exchange transaction information management unit according to purchase/sell price by currency
170: encryption/decryption unit 180: transaction history information management unit
190: database 191: member DB
192: Exchange rate DB 193: Foreign exchange transaction information DB
200,210: browser 300: authentication server
310: foreign exchange bank transaction server

Claims (4)

In the Internet foreign exchange trading system using encryption/decryption,
A WWW server connecting the Internet from a browser of an Internet foreign exchange transaction service user;
A control unit for controlling overall operations for the Internet foreign exchange transaction service;
A member information management unit that announces the terms of use and manages member information for the Internet foreign exchange transaction service;
A user authentication unit for authenticating the user of the Internet foreign exchange transaction service;
A cyber money management unit that provides cyber money;
It is connected to the authentication server, and the exchange rate is displayed in a graph by the base currency/counter-currency (KRW/USD, KRW/JPY, KRW/EUR, etc.) for each currency, and the foreign exchange seller accesses the Internet foreign exchange trading system to list the sellers of foreign exchange. After registering with the foreign exchange buyer, after running the encryption program, the foreign exchange bank posts transaction information about the type of foreign exchange and the desired purchase price on the list of foreign exchange buyers at a more favorable price by referring to the exchange rate announced on the day of the foreign exchange bank. Foreign exchange transaction information management unit notifying the purchase price and sale price of;
The foreign exchange transaction statement information between foreign exchange buyers and sellers for each base currency/counter-currency (KRW/USD, KRW/JPY, KRW/EUR, etc.) is encrypted and stored, and public or private key encryption/decryption algorithm is used when inquiring. An encryption/decryption unit that decrypts by using;
For foreign exchange transactions, purchases/sells of foreign exchange cash and traveler's checks are made at a price lower than the exchange rate price suggested by the foreign exchange bank, and the information of the buyer and seller's foreign exchange transaction statement is stored and managed for each base currency/counter currency. Information management department; And
A database for storing the Internet foreign exchange transaction service member information, exchange rate information received from the foreign exchange bank server, and foreign exchange transaction history information between buyers and sellers for each currency;
Internet foreign exchange trading system using encryption/decryption, including. The method of claim 1,
The cyber money management unit, wherein the member who has subscribed to the foreign exchange transaction service purchases cyber money by paying a predetermined amount using any one of mobile phone payment, credit card payment, and account transfer payment. /Internet forex trading system using decryption. The method according to claim 1 or 2,
When a foreign exchange seller and a buyer member purchase the cyber money, a certain number of foreign exchange buyers by foreign exchange type can inquire information posted on the seller's transaction. Internet foreign exchange transaction system using encryption/decryption, characterized in that a member who consumes the cyber money every time and has a lot of actual foreign exchange transaction information is allocated a certain level of mileage and is used by charging a predetermined percentage of cyber money. delete

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