KR102214229B1 - Method for providing online exchange service - Google Patents

Abstract

The present invention relates to a method for allowing various money exchange companies to share an exchange kiosk and to provide an online money exchange service. More specifically, the present invention relates to a method for providing an online money exchange service which is able to allow a large number of money exchange companies to share exchange kiosks, to provide an online money exchange service in accordance with the requests from customers of each of the money exchange companies, to impose the commission in accordance with the operation and management of the exchange kiosks in proportion to the number of times of reservations or the amount of reservations in accordance with the requests for money exchange of customers of each money exchange companies, to allow an operator of a money exchange management server to gain profits in accordance with the operation of the money exchange management server, and to allow the money exchange companies to provide the money exchange service to customers at a low cost.

Description

Method for providing online exchange service {Method for providing online exchange service}

The present invention relates to a method of providing an online currency exchange service by various exchangers sharing a currency exchange kiosk, and more specifically, a plurality of exchangers sharing a currency exchange kiosk, and can provide an online exchange service according to the exchange request of each exchange company customer. In addition, the operator of the currency exchange management server can earn profits from the operation of the currency exchange management server by charging the fees for the operation and management of the currency exchange kiosk in proportion to the number of reservations or the amount of the reservation according to the currency exchange request of each currency exchange company. Money changers are concerned with a method of providing online currency exchange services that can provide currency exchange services to customers at low cost.

Over the past few years, the number of overseas travelers has steadily increased, and accordingly, various exchange companies are providing currency exchange services.

Regarding the currency exchange business, various online currency exchange methods have been proposed in recent years.However, the exchange business has been regarded as a unique business of banks. Tech companies have been added, and fintech startups are expected to be activated by the introduction of a new currency exchange service method, and at the same time, consumer convenience is expected to be improved.

Looking at an example of a conventional online currency exchange method, a user applies for currency exchange online, and when a confirmation number comes by text or messenger, he picks up an identification card and visits a branch on a designated date and receives it. If the pick up location is set as an airport point, pick up is also possible at the airport point on the day of departure.

Looking at another example of the conventional online currency exchange method, when a user deposits a currency exchange fee to a currency exchange company online and reserves a place and time to receive it, the currency exchange company directly delivers the foreign currency to the user's desired location and time.

However, in the case of the conventional online currency exchange method mentioned above, it has the advantage that you can apply for currency exchange online and receive foreign currency at the desired location and time. It has the limit of being able to.

Meanwhile, in order to overcome the problems of the conventional online currency exchange method, a method of performing a non-face-to-face currency exchange service through a kiosk has been proposed. However, in the case of a non-face-to-face currency exchange service through a kiosk, the currency exchange service has not yet been specifically implemented. I have a problem.

In order to solve the problems of the conventional online currency exchange method, the applicant of this application applied for a Korean patent on July 2, 2019 for the invention of performing a currency exchange service using a currency exchange kiosk. No. 10-2019-0079126 (hereinafter referred to as a previous patent application) has applied for a patent.

In the case of a previous patent application, a currency exchange service can be received by using a currency exchange kiosk placed in a place where the user wants by the user's reservation. However, various exchange companies that provide currency exchange services share the same exchange kiosk, and each exchange company through the exchange kiosk It has a problem that it cannot provide currency exchange services to customers.

The present invention is to solve the problems of the conventional online currency exchange method mentioned above, and an object of the present invention is to provide an online currency exchange service according to the exchange request of each exchange company customer by sharing a currency exchange kiosk. will be.

Another object of the present invention is to provide an online currency exchange service in which a plurality of exchangers share a currency exchange kiosk and charge a fee for operation and management of a currency exchange kiosk according to the exchange request of each exchange company customer.

Another object of the present invention is to provide an online currency exchange service in which currency exchange fee information or event information provided by each currency exchange company is integrated and provided to users in a currency exchange management server.

Another object of the present invention is to provide an online currency exchange service that allows users to receive foreign currency at a time desired by the user through the assigned kiosk by arranging the type and type of currency exchange foreign currency reserved by the user in a kiosk assigned to the user. .

Another object of the present invention is to provide a currency exchange service through a kiosk assigned to a user, and when a user requests for currency exchange through an unallocated kiosk rather than a kiosk assigned to the user by mistake or by request Provides the location information of the kiosk allocated to or provides an online currency exchange service through the non-allocated kiosk based on the available foreign currency information of the non-allocated kiosk.

Another object of the present invention is to recover the foreign currency requested by the user when the exchange request is not made beyond the collection time range based on the exchange request time of the user, and exchange currency based on the collection information when the exchange request is outside the collection time range. It is to provide an online currency exchange service that provides services or provides information about non-exchangeable currency to users.

In order to achieve the object of the present invention, the method of providing an online currency exchange service according to the present invention includes the steps of receiving currency exchange reservation information from a currency exchange company server, and a location of a currency exchange kiosk to receive the foreign currency requested by the user based on the exchange reservation information. Generating receipt information including information and receipt time information and transmitting the receipt information to a currency exchange server or a user terminal that has reserved currency exchange, and when receiving currency exchange request information from a currency exchange kiosk, a currency exchange service is provided to the user through a currency exchange kiosk. It characterized in that it comprises the step of controlling to provide.

Preferably, the method of providing an online currency exchange service according to the present invention includes counting the number of exchange reservations for each exchange company during the first unit time or accumulating the exchange request amount during the first unit time when receiving exchange reservation information from the exchange company server. And calculating a fee for each exchange company in proportion to the number of exchange reservations counted during the first unit time or the exchange request amount accumulated during the first unit time, and charging for each exchange company based on the fee. It is characterized.

Preferably, the method of providing an online currency exchange service according to the present invention includes the steps of transmitting information on the exchange company registered in the exchange management server to the user terminal, and when receiving information on selection of exchange company from the user terminal, the user terminal and the selected exchange company server It characterized in that it further comprises the step of controlling access.

Here, the exchange company information may be at least one of an exchange company identifier registered in the exchange management server, exchange fee information for each exchange company, and event information provided by the exchange company.

Preferably, the method of providing an online currency exchange service according to the present invention comprises the steps of dividing and counting the number of times the user terminal and the selected currency exchange server are accessed and controlled by each currency exchange company for a second unit time, and the access counted during a second unit time. It further includes calculating the brokerage fee of each exchanger in proportion to the number of times of control, and charging for each exchanger by adding the brokerage fee to the commission.

The method of providing an online currency exchange service according to the present invention comprises an identifier and location information of a currency exchange kiosk to receive the foreign currency requested by the user, collection time information, foreign currency information requested for currency exchange, user identifier or currency exchange code based on the currency exchange reservation information. It is characterized in that the receipt information is generated, the receipt information is classified by the currency exchange company identifier, registered and stored in the database, and the receipt information is transmitted to the currency exchange server or a user terminal that has reserved the currency exchange.

In the method of providing an online currency exchange service according to the present invention, the controlling to provide a currency exchange service to a user through a currency exchange kiosk comprises: receiving currency exchange request information including a currency exchange kiosk identifier, a user identifier, or a currency exchange code from the currency exchange kiosk, The step of determining whether there is receipt information mapped to the user identifier or currency exchange code among the receipt information registered and stored in the database, and if there is receipt information mapped to the user identifier or currency exchange code, the foreign currency reserved for exchange through a currency exchange kiosk It characterized in that it comprises the step of controlling the payment to the user.

Preferably, the step of controlling to provide a currency exchange service to a user through a currency exchange kiosk according to the present invention is based on the received currency exchange code or receipt information mapped to the user identifier, to the user and the identifier of the exchange kiosk received from the exchange kiosk. It further comprises the step of determining whether the identifiers of the assigned exchange kiosks match each other, and if the exchange kiosk identifier received from the exchange kiosk and the exchange kiosk identifier assigned to the user match each other, the foreign currency reserved for exchange through the exchange kiosk is transferred to the user. It characterized in that the control to be paid.

Preferably, in the step of controlling to provide a currency exchange service to a user through a currency exchange kiosk according to the present invention, if the currency exchange kiosk identifier received from the currency exchange kiosk and the currency exchange kiosk identifier assigned to the user are different from each other, the information is assigned to the user through the currency exchange kiosk. It characterized in that the control to output the kioks position information.

Preferably, in the step of controlling to provide a currency exchange service to a user through a currency exchange kiosk according to the present invention, if the currency exchange kiosk identifier received from the currency exchange kiosk and the currency exchange kiosk identifier assigned to the user are different from each other, determine the available foreign currency information of the currency exchange kiosk. And determining whether the foreign currency requested by the user can be exchanged with the available foreign currency at the exchange kiosk based on the available foreign currency information; and, if it is possible to exchange the foreign currency requested by the user with the available foreign currency at the exchange kiosk, Including the steps of controlling to provide the foreign currency requested for exchange, changing the information of the exchange request through the exchange kiosk assigned to the user to completion of the exchange through the exchange kiosk, and updating the available foreign currency information of the exchange kiosk. It is characterized.

Preferably, the step of controlling to provide a currency exchange service according to the present invention further includes comparing the time of receiving the exchange request information and the time of receipt of the exchange request information on the basis of the receipt information mapped to the exchange code or the user identifier, Based on the comparison result, when the time when the exchange request information is received is within the range of the receipt time, control is performed to provide the foreign currency requested for exchange to the user through the exchange kiosk.

In this case, when the reception time of the exchange request information is out of the range of the reception time, the exchange through the exchange kiosk is serviced out of service.

Preferably, the controlling to provide a currency exchange service according to the present invention includes the steps of inquiring the collection information of the foreign currency requested by the user when the time when the exchange request information is received is out of the collection time range, and the user based on the collection information. It characterized in that it further comprises the step of output-controlling the foreign currency collection information through the exchange kiosk when the foreign currency requested for exchange is collected.

In the method of providing an online currency exchange service according to the present invention, the currency exchange reservation information includes information on the user's departure terminal, and based on the information on the departure terminal, the currency exchange kiosk closest to the departure terminal is used as a currency exchange kiosk to receive the foreign currency requested by the user. It is characterized in that the receipt information is generated by assignment.

Preferably, the method of providing an online currency exchange service according to the present invention provides information on exchange reservations for which foreign currency has been paid within the set collection time range among exchanges reserved for each exchange company, and exchange reservations for which service is unavailable outside the collection time range. The method further comprises the step of generating by dividing each exchange company, and transmitting exchange information of each exchange company to each exchange company server.

Preferably, the method for providing an online currency exchange service according to the present invention includes the steps of counting the number of exchange reservations that are service unavailable outside the reception time range for a third unit time, and collection based on the number of exchange reservations for which the service is unavailable. It further comprises the step of calculating the fee, characterized in that the charge for each exchange company by adding a collection fee to the fee.

Preferably, the method of providing an online currency exchange service according to the present invention is characterized in that it further comprises the step of providing reservation resource information of the currency exchange kiosk for each currency exchange kiosk or for each date to a currency exchange server.

The method of providing an online currency exchange service according to the present invention has the following effects.

First, in the method of providing an online currency exchange service according to the present invention, a plurality of exchangers share a currency exchange kiosk, and an online currency exchange service may be provided according to the exchange request of each exchange company customer.

Second, the method of providing an online currency exchange service according to the present invention is that a plurality of exchange companies share a currency exchange kiosk and charge a fee for operation and management of a currency exchange kiosk according to each exchange request for currency exchange according to the number of reservations or reservation amount. The operator of the management server can earn profits from the operation of the currency exchange management server, and the currency exchanger can provide currency exchange services to customers at low cost.

Third, the method of providing an online currency exchange service according to the present invention provides the user with the currency exchange fee information or event information provided by each currency exchange company in the currency exchange management server, so that the user can provide the currency exchange service on the most advantageous terms based on the information provided through Can be received, and currency exchange companies can effectively promote to users through events.

Fourth, the method of providing an online currency exchange service according to the present invention arranges the type and ticket type of the currency exchange foreign currency reserved by the user in a kiosk assigned to the user, and receives the foreign currency at a time desired by the user through the assigned kiosk. Foreign currency can be easily exchanged.

Fifth, the method of providing an online currency exchange service according to the present invention is based on providing a currency exchange service through a kiosk assigned to the user, and when a user accidentally requests a currency exchange through an unallocated kiosk rather than a kiosk assigned to the user, By providing information on the assigned kiosk and allowing the user to exchange money through the assigned kiosk, it is possible to reduce the cost of providing a currency exchange service through the kiosk or managing the kiosk.

Sixth, the method of providing an online currency exchange service according to the present invention is based on the available foreign currency information of the non-allocated kiosk when a currency exchange request is made through a non-allocated kiosk rather than a kiosk assigned to a user. By providing a currency exchange service to a user, the user can conveniently receive a currency exchange service even at an unallocated kiosk by mistake or upon request.

1 is a diagram illustrating an online foreign exchange service system according to the present invention.
2 is a diagram illustrating an example in which a user terminal and a currency exchange server are connected in the system for providing an online currency exchange service according to the present invention.
3 is a diagram illustrating a message transmitted and received in an online currency exchange service providing system according to the present invention.
4 is a functional block diagram illustrating a currency exchange management server according to an embodiment of the present invention.
5 is a functional block diagram illustrating a currency exchange reservation unit according to an embodiment of the present invention.
6 is a functional block diagram illustrating a currency exchange service unit according to an embodiment of the present invention.
7 is a flowchart illustrating a method of performing an online currency exchange service in an online currency exchange server according to an embodiment of the present invention.
8 is a flowchart illustrating an example of a step of controlling to provide a currency exchange service to a user.
9 shows an example of an interface screen output to a currency exchange kiosk that transmits currency exchange reservation information according to the present invention.
10 is a flowchart illustrating an example of a method of controlling to provide a currency exchange service when a currency exchange kiosk allocated to a user and a currency exchange kiosk that has transmitted currency exchange request information do not match each other.
11 shows an example of a user interface that is output to a currency exchange kiosk when a currency exchange request is made.
12 is a flowchart illustrating an example of a method of controlling to provide a currency exchange service according to whether a time when a currency exchange command is received is within a reception time range.
13 is a diagram for explaining a guide message provided to a user when the reception time range is out.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as generally understood by those of ordinary skill in the technical field to which the present invention belongs, unless otherwise defined in the present invention, and is excessively comprehensive. It should not be construed as a human meaning or an excessively reduced meaning. In addition, when a technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be replaced with a technical term that can be correctly understood by those skilled in the art.

In addition, the singular expression used in the present invention includes a plurality of expressions unless the context clearly indicates otherwise. In the present invention, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various elements or various steps described in the invention, and some of the elements or some steps are included. It should be construed that it may not be, or may further include additional components or steps.

In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

Hereinafter, a method of providing an online foreign exchange service according to the present invention will be described in more detail with reference to the accompanying drawings.

1 is a diagram illustrating an online foreign exchange service system according to the present invention.

Referring to FIG. 1 in more detail, a currency exchange kiosk 10, a user terminal 50, a currency exchange server 70, and a currency exchange management server 100 are connected to the network 30. Here, the network 30 transmits and receives data between the user terminal 50 and the currency exchange management server 100, or transmits and receives data between the exchange kiosk 10 and the currency exchange management server 100, or the exchange kiosk 10 and the user terminal. Various types capable of transmitting and receiving data between (50), transmitting/receiving data between the user terminal 50 and the currency exchange server 70, or transmitting/receiving data between the currency exchange server 70 and the currency exchange management server 100 Includes wired or wireless networks.

The user terminal 50 is connected to the currency exchange server 70 through the network 30, and a smartphone or PDA capable of downloading and executing a currency exchange application provided by the currency exchange server 70 or the currency exchange management server 100 , Laptops, etc. The user terminal 50 executes a currency exchange application to transmit user information or currency exchange request information to the currency exchange server 70, and the currency exchange server 70 generates currency exchange reservation information based on the user information and the currency exchange request information. The generated exchange reservation information is transmitted to the exchange management server 100 to receive the user's exchange reservation. When receiving the currency exchange reservation information, the currency exchange management server 100 generates receipt information based on the currency exchange reservation information, and registers and stores the generated receipt information by dividing the generated receipt information into a currency exchange company identifier and storing the receipt information to a user terminal or a currency exchange company server. Send.

The currency exchange kiosk 10 for which the user receives currency exchange services is arranged in various places where users can conveniently receive currency exchange services, such as departure halls such as airplanes and passenger ships, stations, and department stores, so that a number of currency exchange servers 70 make reservations for users. The administrator pre-arranges them in the currency exchange kiosk assigned to the user and in the currency exchange kiosk to which the foreign currency requested for exchange is assigned so that the user can receive the exchange service at the time the user requests the exchange.

The user may arrive at the allocated exchange kiosk and receive the foreign currency requested for exchange in a non-face-to-face manner through the allocated exchange kiosk. The exchange management server 100 receives exchange request information including a currency exchange kiosk identifier, a user identifier, or a currency exchange code from the exchange kiosk 10, and the exchange management server 100 receives a user identifier or a receipt mapped to a currency exchange code. It controls to provide a currency exchange service by retrieving information and determining whether to request a currency exchange through a currency exchange kiosk assigned by the user or requesting a currency exchange at the time the user requested currency exchange, based on the retrieved receipt information.

On the other hand, the exchange management server 100 divides each exchange company server to count the number of exchange reservations received from the exchange company server 70 for a unit time or accumulates the amount requested for exchange, and the number of exchange reservations for each exchange company or the amount requested for exchange The fee is calculated in proportion to and charged to the exchange company.

2 is a diagram illustrating an example in which a user terminal and a currency exchange server are connected in the system for providing an online currency exchange service according to the present invention.

In the present invention, the user can directly access the exchange company server to reserve online exchange, but depending on the field to which the present invention is applied, the user first accesses the exchange company management server instead of the exchange company server to provide a currency exchange fee provided by a number of exchange companies. Alternatively, when the user selects the most preferred exchange company through inquiry of exchange company information such as an event, the exchange management server may control the connection between the selected exchange company server and the user terminal.

Looking in more detail with reference to FIG. 2, a plurality of exchange company servers A, B, and C respectively transmit exchange company information such as exchange fee information and event information provided by the exchange company to the exchange management server (S11).

The user logs in to the currency exchange management server through the user terminal and accesses it, and then requests information on the currency exchange company provided by the currency exchange company registered in the currency exchange management server (S13). The exchange management server transmits the exchange company information registered and stored in the exchange management server to the user terminal in response to the exchange company information request (S15).

The user checks the exchange fee for each exchange company and the event for each exchange company based on the received exchange company information, and then sends a connection request message to the exchange management server for selecting one of the plurality of exchange companies through the user terminal ( S17), the exchange management server mediates the connection between the user terminal and the exchange server selected by the user based on the connection request message (S19).

By intermediating the connection between the user terminal and the exchange company server through the exchange management server in this way, the exchange management server provides the user with information such as exchange fees or event information for various exchange companies to help the user select the most suitable exchange company. , The currency exchanger can easily promote the currency exchanger through the currency exchange management server, and the currency exchange management server can obtain a fee profit by intermediating the user terminal and the currency exchanger server.

3 is a diagram illustrating a message transmitted and received in an online currency exchange service providing system according to the present invention.

Looking more specifically with reference to FIG. 3, when the user terminal connects to the currency exchange server through an intermediary of the currency exchange management server or the user terminal directly connects to the currency exchange server, the user terminal transfers the exchange reservation request information to the currency exchange company server. It transmits (S31). Here, the exchange reservation request information may include user information, foreign currency information to be exchanged, and receipt information.

When receiving the exchange reservation request information from the user terminal, the exchange company server transmits the exchange reservation information generated based on the exchange reservation request reservation information to the exchange management server after receiving the exchange reservation request (S32).

The currency exchange management server generates receipt information including location information and collection time information of the currency exchange kiosk to receive the currency exchange request based on the currency exchange reservation information, and transmits the generated receipt information to the user terminal or the currency exchange server (S33). .

The user visits the currency exchange kiosk assigned at the pick-up time to request a currency exchange, and the currency exchange kiosk transmits the exchange request information to the currency exchange management server when the user requests for currency exchange (S35). The exchange management server authenticates the exchange request information by comparing the received exchange request information with the received information registered and stored in the database, and transmits the exchange control information to the exchange kiosk based on the authentication result (S37). The foreign currency reserved for exchange is paid to the user according to the control information.

On the other hand, when the exchange management server receives the exchange completion message from the user terminal after completing the payment of the foreign currency reserved for exchange to the user, it transmits the reception completion information to the exchange company server (S38).

The currency exchange management server calculates a fee for using a currency exchange kiosk by a plurality of exchange companies, and charges each exchange company with the calculated fee (S39). The exchange management server counts the number of exchange reservations received for each exchange company during a unit time, or accumulates the amount requested for exchange, and calculates a fee in proportion to the number of exchange reservations for each exchange company or the amount requested for exchange during the unit time, and charges the exchange company. do.

4 is a functional block diagram illustrating a currency exchange management server according to an embodiment of the present invention.

Looking more specifically with reference to FIG. 4, the member management unit 120 receives the user's personal member information or the company member information of a currency exchanger through the communication unit 110, manages user member registration or currency exchange member registration, and Personal member information or corporate member information is registered and stored in the database unit 130.

Here, the personal member information is, for example, a user's name, gender, social security number, address, contact information, photo, and the like, and the origin member information is, for example, a company identifier, exchange rate fee, event information provided by a currency exchange company. Preferably, the member management unit 120 may register as an individual member by requesting a user identification card such as a passport or a resident registration card when registering an individual member due to the nature of foreign exchange transactions.

When there is a request for exchange company information from the user terminal, the access control unit 150 extracts the exchange company information registered and stored in the database unit 130 and provides the extracted exchange company information to the user terminal. When receiving the exchange selection information from the user terminal, the connection control unit 150 controls access to the exchange server and the user terminal based on the received exchange selection information. The connection control unit 150 registers and stores the number of intermediaries for each exchange company in the database unit 130 by increasing the number of intermediaries of the exchange company whenever access control between the exchange company and the user terminal.

On the other hand, when the exchange reservation unit 170 receives the exchange reservation information from the exchange company server through the communication unit 110, the database unit 150 generates receipt information based on the received exchange reservation information and generates the generated receipt information. Register to save. Here, the exchange reservation unit 170 may classify the receipt information for each exchange company and register and store the information in the database unit 150. The currency exchange reservation unit 170 counts the number of reservations for each currency exchange company for a unit time each time it receives the currency exchange reservation information from the currency exchange server, or accumulates the amount requested for exchange, and stores the counted number of reservations or the accumulated amount in the database unit 130. Register and save.

When the exchange request information is received from the exchange kiosk through the communication unit 110, the exchange service unit 180 controls to provide the foreign currency requested through the exchange kiosk to the user. The exchange service unit 180 provides the user with the foreign currency requested by the user at the exchange kiosk allocated to the user and at the time of receipt requested by the user based on the receipt information mapped to the user identifier or the exchange code and stored in the database unit 150. Control the currency exchange kiosk to provide. The exchange service unit 180 counts the number of times of collection and stores the registration in the database unit 130 when the administrator collects the foreign currency reserved for exchange because the user does not receive the foreign currency reserved for exchange through the exchange kiosk during the set collection time. do.

The fee billing unit 190 calculates a fee for each currency exchange company based on at least one of the number of mediations registered and stored in the database unit 130, the number of reservations, the accumulated amount, or the number of times of collection, and the calculated fee is transferred to the database unit 130. The fee is charged by sending the registered and stored or calculated fee information to the exchange company server by categorizing it by exchange company.

Looking at the fee billing unit 190 in more detail, the basic fee for each exchange company is calculated in proportion to the number of exchange reservations counted during the first unit time for each exchange company or the exchange request amount accumulated during the first unit time. The brokerage fee for each currency changer is calculated in proportion to the number of connection brokerages between the user terminal and the exchanger server counted during the second unit time of each exchanger. The collection fee is calculated in proportion to the number of foreign currency collections that are out of the collection time range, counted during the third unit time of each exchange company. You can calculate the fee for each exchange company based on the calculated basic fee, brokerage fee, and collection fee.

5 is a functional block diagram illustrating a currency exchange reservation unit according to an embodiment of the present invention.

Referring to FIG. 5 in more detail, the reservation reception unit 171 receives the currency exchange reservation information by dividing each currency exchange company when receiving currency exchange reservation information from the currency exchange server.

When a currency exchange reservation is received, the kiosk allocating unit 173 allocates a currency exchange kiosk to receive the foreign currency requested by the user based on the receiving location among the received currency exchange reservation information. Here, the kiosk allocator 173 may allocate to the user a currency exchange kiosk closest to the receiving place based on the receiving place input by the user or may allocate a currency exchange kiosk selected by the user to the user.

The receipt information generation unit 175 is based on the currency exchange reservation information and the kiosk information assigned to the user, the time of receipt, the location information of the kiosk to receive the foreign currency, the amount of currency exchange, the type of currency exchange, the amount per ticket type, user identifier or exchange code, etc. In order to generate receipt information including, the generated receipt information is stored in a database unit and the generated receipt information is transmitted to a user terminal or a currency exchange server. Preferably, the receipt information generation unit 175 may generate the receipt information in a barcode or QR code format and transmit the receipt information to a user terminal or a currency exchange server.

6 is a functional block diagram illustrating a currency exchange service unit according to an embodiment of the present invention.

Looking more specifically with reference to FIG. 6, when receiving exchange request information including a user identifier or exchange code from the exchange kiosk, the reception information search unit 181 is mapped to the received user identifier or exchange code and stored in the database. Retrieve receipt information.

The user verification unit 182 requests and controls to scan an ID card such as a user's passport or ID card through a currency exchange kiosk, and compares the received ID card with the user information registered in the database when the scanned ID card is received through the currency exchange kiosk. Then, check whether the user who requested the exchange and the subject of the exchange of the ID card are the same.

If the user who requested the exchange and the subject of the exchange of the ID card are the same, the reception information search unit 181 provides the exchange kiosk information assigned to the user among the searched reception information to the kiosk determination unit 183, and the reception of the searched reception information Time information is provided to the receipt time determination unit 185.

The kiosk determination unit 183 determines whether the exchange kiosk from which the exchange request information is transmitted is the same as the exchange kiosk assigned to the user, and the collection time determination unit 185 determines that the time when the exchange request information is received is when the user receives the foreign currency. Determine if you are within the acceptable pick up time range.

When the exchange kiosk that has transmitted the exchange request information is a currency exchange kiosk assigned to the user and the time when the exchange request information is received is within the time range of receipt, the exchange kiosk allows the user to pay the foreign currency requested by the user for exchange. Control. That is, the payment door of the currency exchange kiosk is opened to control the user to receive the foreign currency requested for exchange.

However, if the exchange kiosk that sent the exchange request information is not the exchange kiosk assigned to the user, the exchange provider 187 controls to output that the exchange kiosk is not the exchange kiosk assigned to the user, and at the same time, the exchange kiosk assigned to the user The location information of is transmitted to the user terminal or the currency exchange kiosk to control the user to check the assigned callajeon kiosk.

In another embodiment of the present invention, when the currency exchange kiosk from which the exchange request information is transmitted is not the currency exchange kiosk assigned to the user, the available currency exchange determination unit 184 is the information of the available foreign currency arranged in the exchange kiosk from which the exchange request information is transmitted. Is inquired, and based on the available foreign currency information, it is determined whether the exchange requested by the user is possible directly at the exchange kiosk that transmitted the exchange request information. If the exchange requested by the user is directly available at the exchange kiosk that has transmitted the exchange request information based on the available foreign currency information, the exchange provider 187 controls to pay the foreign currency requested by the user through the exchange kiosk that transmitted the exchange request information. do.

On the other hand, the collection information determination unit 186, when the time when the exchange request information is received at the exchange kiosk is out of the collection time range, determines whether the foreign currency requested by the user for exchange exchange has been recovered by the provider of the exchange service at the exchange kiosk. If the exchange service provider has not yet recovered the foreign currency requested for exchange, based on the collection information, the exchange provider 187 controls to pay the user the foreign currency requested by the user at the request of the user. . However, when the exchange service provider completes withdrawal of the foreign currency requested by the exchange service provider based on the collection information, the exchange provider 187 is a message to notify that the user cannot receive the foreign currency requested by the user at the exchange kiosk with the user terminal or exchange kiosk. Is controlled to output.

7 is a flowchart illustrating a method of performing an online currency exchange service in an online currency exchange server according to an embodiment of the present invention.

Referring to FIG. 7 in more detail, the exchange management server receives exchange reservation information from the exchange company server (S110). Here, the exchange reservation information includes user information such as the name, gender, social security number, address, contact information, ID, and password of the user who made the exchange reservation, currency exchange information such as the type, amount, type of ticket, collection time, collection location, etc. Contains an identifier. Here, the receiving place is information on a place to receive the foreign currency reserved by the user, and may be a place designated by the user or a currency exchange kiosk designated by the user.

The currency exchange management server provides location information and receipt time information of the currency exchange Kioski to receive the foreign currency requested by the user, based on the received currency exchange reservation information, the amount of currency exchange, the type of currency exchange currency, the amount by ticket type, user identifier or currency exchange code. Receiving information is generated, the generated receipt information is classified by the currency exchanger identifier, registered and stored in the database, and the generated receipt information is transmitted to the currency exchange server or user terminal (S130). Here, the user identifier or currency exchange code is characterized in that it is a password or code that the user inputs into the currency exchange kiosk when requesting currency exchange by accessing the currency exchange kiosk.

Preferably, the currency exchange kiosk to receive the foreign currency requested by the user will automatically allocate to the user a currency exchange kiosk placed closest to the receiving location entered by the user, or to assign a currency exchange kiosk selected by the user to the user at the user's selection. I can. More preferably, considering the usage status of the exchange kiosk, it is determined whether there is a currency exchange kiosk that has already exceeded the processing capacity among the exchange kiosks, that is, if there is a currency exchange kiosk whose processing capacity has exceeded the processing capacity. In this case, the exchange kiosk that is located closest to the receiving place, excluding the exchange kiosk that exceeds the processing capacity, is allocated to the user, or only the location information of the exchange kiosk is provided to the user terminal, excluding the exchange kiosk that exceeds the processing capacity among the exchange kiosks. This allows the user to choose a currency exchange kiosk.

It is determined whether the exchange request information is received through one exchange kiosk among a number of exchange kiosks installed in the departure hall, station, department store, etc. (S140), and when the exchange request information is received, the user's ID card received through the exchange kiosk and currency exchange By comparing the requested user information, it is checked whether the user of the ID card and the user requesting the exchange are matched with each other (S150). Here, the exchange request information is characterized by being input through a user identifier or a currency exchange code, and it is checked whether the user information of the user requesting the exchange and the user of the ID card, which is mapped and stored in the database unit, is mapped to the user identifier or exchange code. . Here, as the identification card, a passport, a resident registration card, a car license, etc. that can confirm the user's identity may be used. Here, the ID card is scanned and received at the currency exchange kiosk. By reading the scanned ID card, it is possible to check whether it matches the user who requested the exchange.

If the user of the ID card and the user requesting currency exchange match each other, based on the receipt information mapped to the user identifier or currency exchange code and stored, whether the currency exchange kiosk requested by the user is the kiosk assigned to the user or the time the currency exchange request information was received The currency exchange kiosk is controlled to provide a currency exchange service to the user by determining whether it is within the reception time range of the user (S170).

Preferably, the exchange server allows the user to shoot the process of receiving the foreign currency through the exchange kiosk from the time when the exchange request information is received from the exchange kiosk, and from the time when the exchange request information is received to the time when the user completes receiving the foreign currency. The captured image is received from the currency exchange kiosk and stored in the database.

When the reservation exchange service is terminated by the user, a fee generated by using the exchange kiosk for each exchange company for a unit time is calculated and charged to the exchange company based on the calculated fee (S190).

Depending on the field to which the present invention is applied, the currency exchange management server may provide reservation resource information of the currency exchange kiosk when a request for reservation resource information of the currency exchange kiosk is received from the currency exchange server. Here, the exchange management server stores information on reservation resources by date and by currency exchange kiosks in the database.

More specifically, when the exchange management server receives a resource information request message for requesting information on reserved resources of a currency exchange kiosk for a currency exchange service from a currency exchange server, the database unit stores information on the reserved resources of the exchange kiosk in response to the resource information request message. The resource information message containing the reserved resource information searched for and searched at is transmitted to the exchange company server.

The exchange company server allocates the exchange kiosk to the user by inquiring or judging the usage status of the exchange kiosk by currency exchange kiosk or by date, or by providing reservation resource information for each exchange kiosk or date of receipt to the user terminal so that the user directly selects the exchange kiosk You can do it.

Preferably, the reservation resource information is characterized in that it includes total reservation resources for each unit reservation period of the currency exchange kiosk, reservation completion resources, available reservation resources, and usage costs of available reservation resources.

8 is a flowchart illustrating an example of a step of controlling to provide a currency exchange service to a user.

Referring to FIG. 8 in more detail, when receiving exchange request information from a currency exchange kiosk, a user identifier of the exchange request information or receipt information mapped to a currency exchange code is searched (S210). It is determined whether the exchange kiosk allocated to the user among the received information and the exchange kiosk that transmitted the exchange request information match each other (S220).

When the exchange kiosk allocated to the user and the exchange kiosk that transmitted the exchange request information match each other, it is determined whether the time at which the exchange request information is received is within the range of the reception time based on the reception time information among the reception information (S230).

If the exchange kiosk that sent the exchange request information is the exchange kiosk assigned to the user, and the time when the exchange request information was sent is within the collection time range, exchange based on the amount of exchange requested by the user, the type of exchange foreign currency, and the amount of each ticket type. Control to output payment information to the currency exchange kiosk (S240). After checking the output currency exchange payment information, it is determined whether a user signature is received from the user terminal or the currency exchange kiosk (S250), and when the user signature is received, the currency exchange kiosk controls to provide the user with the foreign currency requested by the user (S260).

After the payment of foreign currency is completed, the exchange confirmation message is transmitted to the user terminal or the exchange kiosk, and in response to the exchange confirmation message, it is checked whether the exchange completion message is received from the user terminal or the exchange kiosk (S270). When receiving the exchange completion message, the database unit changes the exchange request reserved by the user to service completion, and provides points to the user to update the accumulated points in the user's member information (S290).

The method of providing an online currency exchange service according to the present invention is based on the characteristics of a currency exchange service, and checks whether the exchange payment information is the same as the requested exchange information by receiving the user's signature, and paying the foreign currency through the payment of points. It is possible to prevent or prevent accidents that may occur in the exchange business in advance by inducing the user to send the exchange completion message to confirm that the exchange requested by the user has been completed.

9 shows an example of an interface screen output to a currency exchange kiosk that transmits currency exchange reservation information according to the present invention. As shown in FIG. 9(a), a currency exchange kiosk provides a currency exchange service on the screen of the currency exchange kiosk. Various currency exchangers are displayed. The user can select a currency exchange company that the user has reserved for exchange among various exchange companies through the interface screen.

When a currency exchange company with a reservation for currency exchange is selected, an interface screen for inputting currency exchange request information by selecting one of a user identifier and a currency exchange code is displayed as shown in FIG. 9(b).

As shown in Fig. 9(c), when the exchange management server receives the exchange request information from the exchange kiosk, it searches for the exchange payment information requested by the user among the user identifier of the exchange request information or the reception information mapped to the exchange code. And control to output the searched currency exchange payment information on the screen of the currency exchange kiosk.

10 is a flowchart illustrating an example of a method of controlling to provide a currency exchange service when a currency exchange kiosk allocated to a user and a currency exchange kiosk that has transmitted currency exchange request information do not match each other.

Looking in more detail with reference to FIG. 10, when the exchange kiosk from which the exchange request information is transmitted and the exchange kiosk assigned to the user do not match, the location information of the exchange kiosk allocated to the user is transmitted to the user terminal or the exchange kiosk to the user. Control to output to (S221).

It is determined whether or not the foreign currency requested by the user can be paid at the exchange kiosk by inquiring about the available foreign currency information of the exchange kiosk that has transmitted the exchange request information (S223). The currency exchange kiosk stores only foreign currency reserved for currency exchange based on the currency exchange reservation, but can store available foreign currency to provide real-time exchange service requested without additional exchange reservation. Available foreign currency information for each currency exchange kiosk in the database part of the currency exchange management server Has been saved. The available foreign currency information is the type of foreign currency that can be paid and the amount of each ticket type, excluding the foreign currency required for the reserved currency exchange among the foreign currencies placed in the currency exchange kiosk.

If the user can pay the foreign currency requested by the user with the available foreign currency stored in the currency exchange kiosk, a guide message is sent to the user terminal or the currency exchange kiosk to inquire whether to receive the currency exchange service through the current currency exchange kiosk. When a request to receive a service is received (S225), the user controls to pay the foreign currency requested by the user through the current exchange kiosk (S226).

When payment of the foreign currency requested for exchange is completed at the exchange kiosk that has sent the exchange request information, not the exchange kiosk assigned to the user, the database that the exchange has been completed through the exchange kiosk that sent the exchange request information, not the exchange kiosk assigned to the user. Change and register the negative receipt information (S227).

When the user pays the foreign currency requested for exchange through the available foreign currency of the exchange kiosk, the exchange management server updates and registers the available foreign currency information of the exchange kiosk that transmitted the exchange request information (S229).

11 illustrates an example of a user interface output to a currency exchange kiosk when a currency exchange request is made.

As shown in Fig. 11(a), when the exchange kiosk that transmitted the exchange request information is different from the exchange kiosk assigned to the user, the exchange management server sends a message to inform the user that the exchange kiosk is not assigned to the user. Or, control to output to the currency exchange kiosk.

As shown in Fig. 11(b), when the exchange kiosk that transmitted the exchange request information is different from the exchange kiosk assigned to the user, the exchange management server guides the location information and current location information of the exchange kiosk assigned to the user. It controls to output a message for the user terminal or a currency exchange kiosk.

As shown in Fig. 11(c), when the exchange kiosk is able to pay the foreign currency requested by the user at the exchange kiosk based on the available foreign currency information of the exchange kiosk, a currency exchange kiosk that transmits exchange request information instead of the exchange kiosk assigned to the user Controls to output a message to a user terminal or a currency exchange kiosk to inquire about whether to receive a currency exchange service directly.

12 is a flowchart illustrating an example of a method of controlling to provide a currency exchange service according to whether a time when a currency exchange command is received is within a reception time range.

Referring to FIG. 12 in more detail, when the time at which the exchange request information is received from the exchange kiosk is out of the collection time range, the collection information is inquired whether the service provider has recovered the foreign currency requested by the user (S231). When the service provider collects the foreign currency requested by the user at the exchange kiosk, the collection information is updated and stored in the exchange management server. In the currency exchange kiosk, the foreign currency requested by the user is placed only within the collection time range, and if it is out of the collection time range, it is collected and the foreign currency reserved by another user for exchange is placed, where the collection time range is the system set based on the collection request time requested by the user. It is characterized in that from before the first threshold time to after the set second threshold time. Here, the reception request time may be automatically set as the user's departure time. For example, if the pickup request time is 1 PM on July 1, 2019, the pickup time range may be set from 10 AM to 3 PM on July 1, 2019.

Based on the collection information, the service provider determines whether the user has completed the collection of the foreign currency requested for exchange (S233), and if the service provider collects the foreign currency requested by the user for exchange, the user terminal or the exchange kiosk does not receive the requested foreign currency at the exchange kiosk. Controls to output a recall guide message for guiding the failure (S237).

However, based on the collection information, if the user has not yet recovered the foreign currency requested for exchange, that is, if the foreign currency requested by the user is still placed in the exchange kiosk, a currency exchange kiosk is provided to pay the user the foreign currency requested by the user at the request of the user. To control (S235).

Therefore, the method of providing an online currency exchange service according to the present invention is provided to the user in the case of a foreign currency that has not yet been recovered based on whether or not the user has recovered the foreign currency requested for exchange. By providing it directly to the user, it is possible to reduce the cost and effort required to collect foreign currency.

13 is a diagram for explaining a guide message provided to a user when the reception time range is out.

As shown in Fig. 13(a), if the service provider has already collected the foreign currency requested by the user based on the collection information and received the currency exchange request information outside the receiving time range, the foreign currency can be paid to the user. No, it controls to output a guide message to a user terminal or a currency exchange kiosk to connect and receive a guide phone.

As shown in Fig. 13(b), if the service provider has not yet recovered the foreign currency requested by the user based on the collection information and received the exchange request information outside the reception time range, the foreign currency requested for exchange through the exchange kiosk Control to output a guide message inquiring whether to receive a message to the user terminal or a currency exchange kiosk.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium.

The computer-readable recording medium includes a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), an optical reading medium (e.g., CD-ROM, DVD, etc.), and a carrier wave (e.g., Internet). Transmission).

The present invention has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those of ordinary skill in the art will appreciate that various modifications and other equivalent embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the attached registration claims.

10: kiosk 30: network
50: user terminal 70: currency exchange server
100: exchange server
110: communication department 120: member management department
130: database unit 150: connection control unit
170: currency exchange reservation unit 180: currency exchange service department
190: fee billing unit

Claims (17)

In the method of providing a currency exchange service through an online currency exchange management server,
Receiving currency exchange reservation information from a currency exchange server;
Generating receipt information including location information and collection time information of a currency exchange kiosk to receive the foreign currency requested by the user based on the currency exchange reservation information, and transmitting the receipt information to the currency exchange server or a user terminal for which currency exchange has been reserved. ;
In the case of receiving currency exchange request information from the exchange kiosk, controlling to provide a currency exchange service to a user through the exchange kiosk,
When receiving the exchange reservation information from the exchange company server, the online exchange management server counts the number of exchange reservations for each exchange company during the first unit time or accumulates the exchange request amount for the first unit time,
Calculate a fee for each exchange company in proportion to the number of exchange reservations counted during the first unit time or the exchange request amount accumulated during the first unit time,
A method of providing an online currency exchange service, characterized in that charging for each currency exchange company is based on the fee.
delete The method of claim 1, wherein the online currency exchange service
Transmitting exchange company information registered in the exchange management server to the user terminal; And
When receiving the exchange selection information from the user terminal, the method of providing an online currency exchange service further comprising the step of controlling the connection between the user terminal and the selected exchange server.
The method of claim 3, wherein the currency exchange information
The method of providing an online currency exchange service, characterized in that at least one of a currency exchanger identifier registered in the currency exchange management server, currency exchange fee information for each currency exchanger, and event information provided by a currency exchanger.
The method of claim 3, wherein the online currency exchange service
Dividing and counting the number of times the user terminal and the selected currency exchange server are connected to each other for a second unit time; And
Further comprising calculating a brokerage fee of each currency exchange company in proportion to the number of connection brokerages counted during the second unit time,
The method of providing an online currency exchange service, characterized in that charging for each exchange company by adding the brokerage fee to the fee.
The method of claim 1, wherein the online currency exchange service
On the basis of the exchange reservation information, an identifier and location information of a currency exchange kiosk to receive the foreign currency requested by the user, collection time information, foreign currency information requested for exchange, and receipt information including a user identifier or a currency exchange code are generated,
The method for providing an online currency exchange service, characterized in that the receipt information is classified by a currency exchange company identifier, registered and stored in a database, and the received information is transmitted to the currency exchange server or a user terminal that has made a reservation for currency exchange.
The method of claim 6, wherein controlling to provide a currency exchange service to a user through the currency exchange kiosk
Receiving currency exchange request information including a currency exchange kiosk identifier, a user identifier, or a currency exchange code from the currency exchange kiosk;
Determining whether receipt information mapped to a user identifier or a currency exchange code exists among the receipt information registered and stored in the database; And
And controlling to pay the foreign currency reserved for exchange through the exchange kiosk to the user when there is receipt information mapped to a user identifier or a currency exchange code.
The method of claim 7, wherein controlling to provide a currency exchange service to a user through the currency exchange kiosk
Based on the received exchange code or receipt information mapped to the user identifier, determining whether the identifier of the exchange kiosk received from the exchange kiosk and the identifier of the exchange kiosk assigned to the user match each other,
When the exchange kiosk identifier received from the exchange kiosk and the exchange kiosk identifier assigned to the user match each other, controlling to pay the foreign currency reserved for exchange exchange through the exchange kiosk to the user.
The method of claim 8, wherein in the step of controlling to provide a currency exchange service to a user through the currency exchange kiosk
Provide online currency exchange service, characterized in that, when the currency exchange kiosk identifier received from the currency exchange kiosk and the currency exchange kiosk identifier assigned to the user are different from each other, control to output the kiosk location information assigned to the user through the currency exchange kiosk Way.
The method of claim 8, wherein controlling to provide a currency exchange service to a user through the currency exchange kiosk
Determining available foreign currency information of the exchange kiosk when the exchange kiosk identifier received from the exchange kiosk and the exchange kiosk identifier assigned to the user are different from each other;
Determining whether a foreign currency requested by a user can be converted into available foreign currency at the currency exchange kiosk based on the available foreign currency information;
Controlling to provide the foreign currency requested by the user through the currency exchange kiosk when it is possible to exchange the foreign currency requested by the user in the available foreign currency at the exchange kiosk;
Changing the information on the exchange request through the exchange kiosk assigned to the user to completion of the exchange through the exchange kiosk; And
And updating available foreign currency information of the currency exchange kiosk.
The method of claim 7, wherein controlling to provide the currency exchange service
Comparing the time of receiving the exchange request information and the receiving time information based on the receipt information mapped to the exchange code or the user identifier,
The method of providing an online currency exchange service, comprising controlling to provide a foreign currency requested for currency exchange to a user through the currency exchange kiosk when the time when the exchange request information is received is within a receiving time range based on a comparison result.
The method of claim 11, wherein in the step of controlling to provide the currency exchange service
When the receiving time of the exchange request information exceeds the receiving time range, the exchange through the exchange kiosk is serviced out of service.
The method of claim 11, wherein the controlling to provide the currency exchange service
When the time when the exchange request information is received is out of the range of the reception time, inquiring about the number of foreign currency requested by the user; And
And output-controlling the foreign currency collection information through the exchange kiosk when the user collects the foreign currency requested by the user based on the collection information.
The method of claim 6, wherein in the method of providing the online currency exchange service
The currency exchange reservation information includes information on the user's departure terminal,
And generating receipt information by allocating a currency exchange kiosk closest to the departure terminal as a currency exchange kiosk to receive the foreign currency requested by the user on the basis of the departure terminal information.
The method of claim 1, wherein the online currency exchange service
The method further comprises the step of generating, by dividing and generating exchange information for exchange reservations for which foreign currency has been paid within the set collection time range among the exchanges reserved for each exchange company, and exchange reservations for which service is disabled outside the collection time range,
The method of providing an online currency exchange service, characterized in that transmitting the exchange information of each exchange company to each exchange company server.
The method of claim 15, wherein the method of providing the online currency exchange service
Counting the number of times out of the reception time range for a third unit time and the number of times of the foreign currency processed out of service; And
Further comprising calculating a collection fee in proportion to the counted number of collections,
The method of providing an online currency exchange service, characterized in that charging for each exchange company by adding the collection fee to the fee.
In the method of providing a currency exchange service through an online currency exchange management server,
Receiving currency exchange reservation information from a currency exchange server;
Generating receipt information including location information and collection time information of a currency exchange kiosk to receive the foreign currency requested by the user based on the currency exchange reservation information, and transmitting the receipt information to the currency exchange server or a user terminal for which currency exchange has been reserved. ; And
In the case of receiving currency exchange request information from the exchange kiosk, controlling to provide a currency exchange service to a user through the exchange kiosk,
A method of providing an online currency exchange service, comprising providing reservation resource information of a currency exchange kiosk by currency exchange kiosk or by date to the exchange company server.

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