KR102447593B1 - Method for providing automatic currency exchange and payment services - Google Patents

Abstract

The present invention provides an automatic currency exchange payment service providing method, wherein (a) a server provides a currency exchange interface to a buying customer terminal and a selling customer terminal, and through the exchange interface, the buying customer terminal and the selling customer terminal perform currency exchange, respectively inputting trading conditions for transmission to the server; (b) matching, by the server, the currency trading transaction based on the trading conditions received from a plurality of the buying customer terminals and the trading conditions received from a plurality of selling customer terminals; (c) the server checks the balance of the buyer's account and the seller's account, and the account operated by the server can be exchanged from the buyer's account in the first country currency and the seller's account in the second country currency receiving an amount corresponding to the currency; and (d) the server withdrawing an amount in the second country currency from the account operated by the server to the buyer account and withdrawing the amount in the first country currency to the seller customer account; automatic currency exchange including; It relates to a method of providing a payment service.

Description

How to provide automatic currency exchange payment service {METHOD FOR PROVIDING AUTOMATIC CURRENCY EXCHANGE AND PAYMENT SERVICES}

The present invention relates to a method of providing an automatic currency exchange payment service, and more particularly, to a method for performing automatic currency exchange execution by a server connected to a communication network and providing an automatic payment service between different currencies.

In the conventional currency exchange service, it is necessary to use a currency exchange office, visit a bank, or use the bank's mobile app or web, and a fee is generated.

Major domestic banks, such as Shinhan, Woori, Hana, etc., usually have to pay an exchange fee of 1.6~2% when buying and selling foreign currency.

The bank exchange fee includes various incidental expenses and fees per transaction required for the bank to hold the foreign currency.

In the case of bank exchange, the basic and maximum preferential rates are set, including transactions through mobile apps or the web, and the preferential rate can be applied only when a certain amount of money is exchanged.

The preferential rate means that the bank will give you a preferential treatment fee every time you exchange money. For example, if you receive a 70% preferential exchange rate at the bank, you will receive a 70% discount on the original bank fee.

In this way, exchanging money through a bank incurs a lot of cost in that you have to pay an individual currency exchange fee each time you change money. If you purchase foreign currency using the mobile app or web, you must either visit a bank to receive cash or deposit money into an individual account when not visiting. In this regard, there are several inconveniences in terms of cost and procedure.

The present invention is to solve the problems of the prior art described above, and provides an exchange transaction that meets the exchange rate conditions and period set by the user, follows the market trading standard exchange rate, and executes automatic online currency exchange without exchange fees and automatically converts Korean won and foreign currencies The purpose is to provide payment services.

The currency exchange transaction of the present invention does not incur various incidental costs and per-session fees required for holding the foreign currency that customers of commercial banks had to pay to the bank, and no per-session fees are incurred.

In addition, the user can set the exchange rate conditions and the exchange period, and when a requestor for exchange that meets the conditions is found, the exchange can be executed immediately. You do not need to exchange the real thing. Therefore, it is possible to provide a currency exchange system suitable for the emerging trend of non-face-to-face transactions.

In addition, since the exchange is concluded at the trading standard rate, the impact on the foreign exchange market can be minimized.

As a technical means for achieving the above-described technical problem, in the automatic currency exchange payment service providing method according to the first embodiment of the present invention, the server provides a currency exchange interface to a buying customer terminal and a selling customer terminal, and The step of inputting the trading conditions for currency exchange by the buying customer terminal and the selling customer terminal respectively and transmitting them to the server through the server, the trading conditions received by the server from the plurality of the buying customer terminals; and matching currency trading transactions based on the trading conditions received from the selling customer terminal, wherein the server checks the balances of the buying customer account and the selling customer account, and the buying customer account in the first country currency and and receiving an amount corresponding to the currency to be exchanged by the account operated by the server from the seller account in the second country currency, and the server transfers a second account from the account operated by the server to the buyer account. It may include withdrawing the amount in the national currency and withdrawing the amount in the first national currency to the selling customer account.

In addition, in step (a), the buying customer terminal and the selling customer terminal through the exchange interface, the purchase currency information, the sale currency information, the purchase amount, the sale amount, exchange rate conditions, and the exchange period including the exchange period. You can enter conditions.

In addition, the step (a) may include linking the buying customer terminal and the selling customer terminal with the buying customer account and the selling customer account.

In addition, in step (a), when the exchange interface includes a sell currency selection area and a buy currency selection area, and displays identification information for a plurality of currencies, and completes the input of trading conditions from the terminal, purchase or A sell request may be transmitted to the server.

In addition, the selling currency selection area automatically displays identification information regarding the currency of the user's nationality of the selling customer terminal, and the buying currency selection area is a currency of a plurality of countries other than the nationality of the user of the selling customer terminal. It may be to automatically display the identification information about the.

The identification information of claim 5, wherein the identification information on the currency of the country may include a flag of the country and a currency unit of the country.

In addition, the step (a) includes the step of receiving information on the buying currency and the selling currency through the exchange interface, wherein the step of receiving the information on the buying currency and the selling currency is the buying customer terminal or the selling customer When a drag input is generated on the terminal, the currency of the country corresponding to the start time of the drag may be designated as the sell currency, and the currency of the country corresponding to the end time of the drag may be designated as the buy currency.

In addition, the server stores the trading conditions for each of the buying customer terminals and the selling customer terminals connected to the exchange interface, and is connected to the communication network to determine the currency of the nationality to which the buyer terminal belongs and the nationality to which the plurality of seller customer terminals belong. Exchange rates between currencies can be updated and saved in real time.

In addition, in step (b), a plurality of selling conditions and buying conditions stored in the server are compared to meet a preset criterion, and the selling customer terminal and the buying customer terminal corresponding to each other can be matched.

In addition, the step (b) allows the server to mutually inquire the trading conditions provided by the selling customer terminal or the buying customer terminal to the server through the exchange interface, and any one of the buying customer terminal and the selling customer terminal When receiving a currency trading transaction request for a specific trading condition from one, matching may be completed.

In addition, the server may be to operate at least two or more n-th currency main accounts.

In addition, in the step (c), the server determines whether the first station currency is greater than or equal to the selling amount in the buying customer account, and determines whether the second station currency exists in the selling customer account or more than the purchase amount, and the server When the selling amount corresponding to the first country currency of the purchasing customer terminal is deposited into the primary currency main account operated by The corresponding second country currency is withdrawn, and when the purchase amount corresponding to the second station currency of the selling customer terminal is deposited into the second station currency main account, the first station currency main account operated by the server It may be to withdraw the first country currency corresponding to the exchange amount of the deposited purchase amount.

In addition, the amount of the buyer account and the amount of the selling customer account do not move directly with each other, and the server transfers the amount corresponding to the trading conditions to the main account in the first station currency and the main account in the second station currency. may be paid to the selling customer account and the buying customer account through the virtual account in the .

In addition, in step (d), the server converts the amount received in step (d) according to the trading standard rate, and transfers the money from the main account of the nth country to the buying customer account and the selling customer account to a virtual account. It may be to pay through the medium and transmit the trading result to the server.

In addition, there is provided an automatic currency exchange payment service providing server, comprising: a memory for storing a program for performing an automatic currency exchange payment service providing method; and a processor, wherein the processor provides a currency exchange interface to the buyer terminal and the seller customer terminal by executing the program, wherein the buyer terminal and the seller customer terminal exchange currency respectively through the exchange interface input and transmit the trading conditions for , and the server matches the currency trading transaction based on the trading conditions received from the plurality of buying customer terminals and the trading conditions received from the plurality of selling customer terminals, , the server checks the balances of the buyer's account and the seller's account, and the account operated by the server is converted from the buyer's account in the first country currency and the seller's account in the second country currency to the currency to be exchanged. The number of days including receiving a deposit of the corresponding amount, the server withdrawing the amount in the second country currency from the account operated by the server to the buying customer account, and withdrawing the amount in the first country currency to the selling customer account have.

According to an embodiment of the present invention, users make a transaction based on the trading reference rate. General banks provide currency exchange services by attaching their own fees to the trading standard rate, and since transactions between users are based on the trading standard rate without the bank's fee, it is possible to exchange money without a currency exchange fee by paying a predetermined platform usage fee.

Therefore, customers who use bank exchange are greatly affected by bank fees, and the fees paid to the bank are inevitably increased during periods of large exchange rate fluctuations. In particular, stock trading operators or companies that conduct large-scale foreign currency transactions may incur a very large fee to the bank. However, an embodiment of the present invention induces a transaction that meets the conditions between the service operator and the user, and allows the exchange service to be performed according to the trading standard rate, so that the user is less burdened with the individual currency exchange fee resulting from foreign exchange risk can

1 is a structural diagram of an automatic currency exchange payment service providing system according to an embodiment of the present invention.
2 is an exemplary configuration diagram of a server providing an automatic currency exchange payment service according to an embodiment of the present invention.
3 is an exemplary configuration diagram of an operation between a server, a buying customer terminal, and a selling customer terminal according to an embodiment of the present invention.
Figure 4 is an exemplary configuration diagram regarding the implementation and trading process of the currency exchange interface in the web or app, according to an embodiment of the present invention.
5 is an exemplary diagram for setting a currency exchange settlement period according to an embodiment of the present invention.
6 is an exemplary diagram of a currency exchange request list and operation buttons according to an embodiment of the present invention.
7 is a flowchart of a method for providing an automatic currency exchange payment service performed by a server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification. Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware. Meanwhile, '~ unit' is not limited to software or hardware, and '~ unit' may be configured to be in an addressable storage medium or may be configured to reproduce one or more processors. Thus, as an example, '~' denotes components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables. The functions provided in the components and '~ units' may be combined into a smaller number of components and '~ units' or further separated into additional components and '~ units'. In addition, components and '~ units' may be implemented to play one or more CPUs in a device or secure multimedia card.

The "user terminal" referred to below may be implemented as a computer or portable terminal that can access a server or other terminal through a network. Here, the computer is, for example, a laptop, desktop, laptop, VR HMD (eg, HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.) equipped with a web browser (WEB Browser), etc. may include. Here, VR HMD is for PC (e.g., HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), mobile (e.g., GearVR, DayDream, Storm Horse, Google Cardboard, etc.) Independently implemented Stand Alone models (eg Deepon, PICO, etc.) are included. A portable terminal is, for example, a wireless communication device that guarantees portability and mobility, and includes not only a smart phone, a tablet PC, a wearable device, but also Bluetooth (BLE, Bluetooth Low Energy), NFC, RFID, and ultrasound (Ultrasonic). , infrared, Wi-Fi, Li-Fi, etc. may include various devices equipped with a communication module. In addition, "network" refers to a connection structure capable of exchanging information between each node, such as terminals and servers, and includes a local area network (LAN), a wide area network (WAN), and the Internet. (WWW: World Wide Web), wired and wireless data networks, telephone networks, wired and wireless television networks, and the like. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi, Bluetooth communication, infrared communication, ultrasound communication, Visible Light Communication (VLC), LiFi, and the like, but are not limited thereto.

The server 100 according to an embodiment of the present invention may include a memory in which a payment service providing method program (or application) is stored and a processor executing the program. Here, the processor may perform various functions according to the execution of the program stored in the memory, and detailed components included in the server 100 according to each function may be represented as shown in FIG. 2 .

Referring to FIG. 1 , a method for providing an automatic currency exchange payment service according to an embodiment of the present invention may include a buying customer terminal 200 and a selling customer terminal 300 connected to the server 100 and a communication network.

The server 100 may provide a currency exchange interface to the buying customer terminal 200 and the selling customer terminal 300 .

Referring to FIG. 2 , the server 100 according to an embodiment of the present invention may include a DB, a processor, a memory, and a communication module, and may be connected to a communication network through the communication module.

The buying customer terminal 200 and the selling customer terminal 300 may use the currency exchange interface 100 provided from the server 100 to set the trading conditions desired by the customer, and may transmit this to the server 100 .

In this case, the trading conditions may include minimum purchase currency information, sale currency information, purchase amount, sale amount, exchange rate conditions, and currency exchange period.

As described above, according to an embodiment of the present invention, the buying customer and the selling customer can exchange the desired currency without a currency exchange fee without directly visiting the bank. In addition, from the point of view of the buyer and seller, they match each other and feel that they exchanged each other's currency for the same value, but technically, the transaction itself is a transaction between the buyer and the service operator and between the seller and the service operator. Hereinafter, with reference to FIG. 3, a process in which money exchange is performed by matching between individuals according to an embodiment of the present invention will be described in detail.

The subject operating the server 100 according to an embodiment of the present invention may include at least two or more n-th station currency main accounts.

In this case, the server 100 may be connected to the communication network to update and store in real time the exchange rate between the currency of the nationality to which the buying customer terminal 200 belongs and the currency of the nationality to which the plurality of selling customer terminals 300 belong.

In the present specification, the buyer and the seller are temporary distinctions according to an embodiment of the present invention. The seller is the buyer of the currency to be paid during the exchange process, and the buyer is also the buyer of the currency to be paid during the exchange process.

Assuming that the buyer terminal 200 desires to exchange the currency of the first country into the currency of the second country, and it is assumed that the terminal of the seller 300 wishes to exchange the currency of the second country into the currency of the first country, At the same time, the buyer may be a seller who sells the first currency, and the seller may be a seller who buys the currency of the first country.

Thereafter, the buying customer terminal 200 transmits the trading conditions to the server 100, and the server 100 updates in real time and according to the stored exchange rate information, the selling customer terminal 300 that meets the trading conditions set by the buying customer. ) can be matched.

After that, the server 100 receives the first station currency remittance from the first station currency account of the purchasing customer terminal 200, and when the deposit is confirmed, the second station currency is sold to the second station currency account of the purchasing customer terminal 200 Calculate and remit at the exchange rate that meets the conditions. At the same time, the second country currency is received from the second country currency account of the selling customer terminal 300, and when the deposit is confirmed, it is updated in real time to the first country currency account of the selling customer terminal 300, and as much as it matches the stored exchange rate. remittance of the first country currency of

At this time, when the service operating entity remits the exchange money to the buyer's account and the seller's account, it is paid to the customer's virtual account. In other words, when the buyer and seller already have a KRW account and a foreign currency account, when they sign up for this service, they fill in the corresponding account information. In the process, a virtual account based on each KRW account and foreign currency account is created. The service operating entity may remit to the selling customer's virtual account when remittance to the selling customer, and to the buying customer's virtual account when remittance to the buying customer. In addition, since each virtual account is linked with a real bank account of the corresponding customer (ie, a buying customer account and a selling customer account), deposits can be made to the real bank account through the virtual account.

Since the purchase customer does not send the remittance amount to the selling customer, the exchanged amount does not need to be remitted to the selling customer after the purchase customer's remittance time. This is because the main account of the server 100 remits the second country currency to the buying customer on behalf of the selling customer and the first country currency to the selling customer on behalf of the buying customer.

Therefore, even if there are buyers in a certain currency but no sellers, if there is a sufficient balance in the main account of the service operator, a currency exchange service may be provided to the buyer.

Therefore, there is no actual transfer of funds between the buyer and the seller, but on the surface, the buyer and the seller may appear to have transferred funds between each other. In addition, since the funds are transferred to the account of the same currency during the process of remittance, there is no exchange fee. That is, between the main account operated by the server, and the accounts of the buyer and the seller, transactions are occurring between the first country currency accounts and the second country currency accounts. There is no remittance from the account in the first country to the account in the second currency.

Therefore, numerous transactions are made for each customer in the main account, and exchange fees are not paid each time. The server's operating entity only collects monthly operating fees from customers and does not receive currency exchange fees from customers. Through this, customers will be able to receive practical currency exchange services at lower fees than banks.

The currency exchange interface according to an embodiment of the present invention is provided through the server 100, and users including buyers and sellers can log in and access them.

4, the currency exchange interface according to an embodiment of the present invention may be configured in the form of a predetermined Internet page.

At this time, the currency exchange interface according to an embodiment of the present invention includes a table of contents including 'Home', 'login/membership', 'my currency exchange', 'your currency exchange order', 'notices/FAQ' at the top, and , may include a function to set the language of the page in the upper left corner.

In addition, according to a further embodiment of the present invention, it is possible to provide a function to include a sell currency area and a buy currency area and manipulate them by dragging them.

In this case, the sell currency area and the buy currency area may include a plurality of currency identification information.

Currency identification information according to an embodiment of the present invention may include the national flag and currency unit, and may be moved by dragging.

The selling currency area according to an embodiment of the present invention may be arranged at the bottom of the table of contents to indicate the currency owned by the user in the form of currency identification information.

The buy currency area according to an embodiment of the present invention may be disposed below the sell currency area, and the currency owned by a plurality of users and the currency to be paid may be expressed in the form of currency identification information.

At this time, in the currency exchange interface according to an additional embodiment of the present invention, in dragging the currency identification information existing in the selling currency area or the buying currency area, the currency of the country corresponding to the start time of the drag is designated as the selling currency, and drag It is possible to provide a function to designate the currency of the country corresponding to the end time of the transaction as the purchase currency.

For example, if the drag start point is the Taegeukgi flag, which is the currency identification information of the selling currency area, and the Korean Won item is the dragging starting point, and the Stars and Stripes flag and My Dollar, one of the currency identification information of the buy currency area, the end point of the drag is specified. You can designate the selling currency and designating the US dollar as the buying currency.

Referring to FIG. 4 , in the currency exchange interface, when a sell currency and a buy currency are designated, the foreign currency company currently applying can configure and provide the items of the order. The item may include information about the selling currency and the buying currency.

In addition, the currency exchange interface may configure and provide items for designating exchange rate conditions. In this case, the current trading reference rate may be provided, and the user may set the exchange rate for the transaction.

Thereafter, with reference to FIG. 5 , the user may set a period for performing a transaction. The currency exchange interface may provide an item for setting a period together with the phrase "Please set a desired exchange period", and the item may be provided in the form of a calendar and may include a function to operate by dragging.

6 , the currency exchange interface according to an embodiment of the present invention may provide 'your currency exchange order item'.

'Your exchange order item' provides a function of inquiring the trading conditions provided to the server 100 to the selling customer terminal 300 or the buying customer terminal 200 through the currency exchange interface, and the buying customer terminal 200 and the selling customer terminal 300 may provide a function of directly selecting a match for a specific trading condition and converting it into the selected trading condition.

'Your exchange order' may provide a plurality of buy order information and sell order information set by other users and provided to the server 100, and the buy order information and sell order information may include currency, period, and trading conditions. In addition, the user can directly select the buy order information and the sell order information through the selection button provided in the exchange interface, and request the sale to the server 100 .

With reference to FIG. 7, the operation sequence of the automatic currency exchange payment service providing method according to an embodiment of the present invention will be described below.

It is assumed that the buyer converts the currency of the first country into the currency of the second country, and the seller converts the currency of the second country into the currency of the first country.

The server 100 receives and stores trading conditions including currency, amount, exchange rate, and period conditions from the buying customer terminal 200 and the selling customer terminal 300 (S110).

The server 100 matches the buying customer terminal 200 and the selling customer terminal 300 in which the trading conditions set by the buying customer terminal 200 and the selling customer terminal 300 match each other in consideration of the trading reference rate. (S120).

The server 100, through the purchase customer terminal 200, checks whether there is an amount of money to be purchased in the purchase customer account in the first station currency (S131). In addition, the server 100, through the selling customer terminal 200, checks whether there is a second station currency in the selling customer account by the amount calculated by the trading standard rate (S132).

The purchasing customer terminal 200 remits the corresponding amount from the first station currency account of the purchasing customer terminal 200 to the first station currency main account of the server, and the server 100 confirms the deposit (S141). In addition, the selling customer terminal 300 transfers the corresponding amount from the second station currency account of the selling customer terminal 300 to the second station currency main account of the server, and the server 100 confirms the deposit (S142).

The server 100 remits the calculated exchange amount to the currency account of the second country of the purchasing customer terminal 200 and stores the transaction details (S151). In addition, the calculated exchange amount is transferred to the currency account of the first country of the selling customer terminal 300 and the transaction details are stored (S152).

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

Although the methods and systems of the present invention have been described with reference to specific embodiments, some or all of their components or operations may be implemented using a computer system having a general purpose hardware architecture.

The foregoing description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and likewise components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

100: Server 110: n local currency main account
200: Buyer's terminal 300: Selling customer's terminal

Claims (14)

In the automatic currency exchange payment service providing method,
Including a server that operates at least two main accounts in the currency of the nth country and transacts with buyer and seller accounts through virtual accounts,
(a) the server provides a currency exchange interface to the buying customer terminal and the selling customer terminal, and the buying customer terminal and the selling customer terminal respectively input the trading conditions for currency exchange through the exchange interface and transmit it to the server step;
(b) matching, by the server, the currency trading transaction based on the trading conditions received from a plurality of the buying customer terminals and the trading conditions received from a plurality of selling customer terminals;
(c) the server determines whether the first country currency is more than the selling amount in the buyer's account and determines whether the second country's currency is in the seller's account or more , and when the selling amount corresponding to the first station currency of the buyer terminal is deposited into the first station currency main account operated by the server, the deposit is made from the second station currency main account operated by the server Withdraw the second country currency corresponding to the exchange amount of the sale amount,
When the purchase amount corresponding to the second country currency of the selling customer terminal is deposited into the second country currency main account, withdrawing the first country currency and receiving an amount corresponding to the currency to be exchanged by the account operated by the server from the buyer account in the first country currency and the seller customer account in the second country currency; and
(d) the server withdrawing an amount in the second country currency from the account operated by the server to the buyer account and withdrawing the amount in the first country currency to the seller customer account; and
The amount of the buyer account and the amount corresponding to the exchange amount of the selling customer account do not move directly to each other, and the server transfers the amount corresponding to the trading conditions to the main account in the first station currency and the second station currency. A method for providing an automatic currency exchange settlement service, wherein each payment is made to the selling customer account and the buying customer account through a virtual account through the main account of currency. The method of claim 1,
The step (a) is,
The buying customer terminal and the selling customer terminal through the exchange interface,
A method of providing an automatic currency exchange payment service performed by a server, wherein the trading conditions including purchase currency information, sale currency information, purchase amount, sale amount, exchange rate conditions, and currency exchange period are input. The method of claim 1,
The step (a) is,
The method of providing an automatic currency exchange payment service, wherein the buying customer terminal and the selling customer terminal are linked with the buying customer account and the selling customer account. The method of claim 1,
The step (a) is,
When the exchange interface includes a sell currency selection area and a purchase currency selection area, displays identification information about a plurality of currencies, and completes the input of trading conditions from the terminal, transmitting a purchase or sale request to the server How to provide an automatic currency exchange payment service. 5. The method of claim 4,
The selling currency selection area automatically displays identification information about the currency of the user's nationality of the selling customer terminal,
The purchase currency selection area is to automatically display identification information about currencies of a plurality of countries other than the nationality of the user of the selling customer terminal, the automatic currency exchange payment service providing method. 6. The method of claim 5,
The identification information on the currency of the country will include the flag of the country and the currency unit of the country, the automatic currency exchange payment service providing method. According to claim 1,
The server stores the trading conditions for each of the buying customer terminals and the selling customer terminals connected to the currency exchange interface, and is connected to a communication network in the currency of the nationality to which the buying customer terminal belongs and the currency of the nationality to which the plurality of selling customer terminals belong. A method of providing an automatic currency exchange payment service, which updates and stores exchange rates between exchanges in real time. The method of claim 1,
Step (b) is,
Comparing a plurality of selling and buying conditions stored in the server, matching the preset criteria, and matching the selling customer terminal and the buying customer terminal whose conditions correspond to each other, an automatic currency exchange payment service providing method. The method of claim 1,
Step (b) is,
The server enables mutual inquiry of the trading conditions provided by the selling customer terminal or the buying customer terminal to the server through the exchange interface, and currency trading for specific trading conditions from either the buying customer terminal or the selling customer terminal When receiving a transaction request, the method further comprising completing matching, automatic currency exchange payment service providing method. delete delete delete The method of claim 1,
Step (d) is,
The server converts the amount received in step (d) according to the international exchange rate, pays the nth country currency main account through the virtual account to the buyer account and the seller customer account, and provides the trading result A method of providing an automatic currency exchange payment service, which is transmitted to the server. In the automatic currency exchange payment service providing server,
a memory for storing a program for performing an automatic currency exchange payment service providing method; and a processor; wherein, by executing the program, the processor operates at least two or more n-th currency main accounts and transacts with the buying customer account and the selling customer account through the virtual account, and A currency exchange interface is provided to a selling customer terminal, wherein the buying customer terminal and the selling customer terminal respectively input and transmit trading conditions for currency exchange to the server through the exchange interface, and the server sends the plurality of purchase customer terminals The currency trading transaction is matched based on the trading conditions received from and the trading conditions received from a plurality of selling customer terminals, and the server determines whether the first country currency is greater than or equal to the selling amount in the buying customer account, and the selling customer Determining whether the second station currency exists in the account more than the purchase amount, checking the balance of the buyer account and the selling customer account, and transferring the first station currency of the buyer terminal to the first station currency main account operated by the server When the selling amount corresponding to When the purchase amount corresponding to the second country currency of the selling customer terminal is deposited, the first country currency corresponding to the exchange amount of the deposited purchase amount is withdrawn from the primary currency main account operated by the server. An amount corresponding to the currency to be exchanged by the account operated by the server is received from the buyer account in the national currency and the seller account in the second country currency, and the server receives the purchase from the account operated by the server withdrawing the amount in the second country currency to the customer account and withdrawing the amount in the first country currency to the selling customer account;
The amount corresponding to the amount of the buyer's account and the exchange amount of the seller's account is,
Without moving directly to each other, the server transfers the amount corresponding to the trading conditions to the selling customer account and the buying customer through a virtual account through the main account in the first country currency and the main account in the second country currency as a medium. An automatic currency exchange payment service providing server that pays each account to an account.

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