KR102510990B1 - Method and device supporting exchange and remittance service - Google Patents

Abstract

Disclosed are a method and a device. The method includes the steps of: receiving a currency exchange and remittance service request to a second country for an amount determined according to a user input from a user account linked to a fintech company in a first country; transmitting a currency exchange and remittance request for the user account to a fintech company server in the first country; transmitting account information on the user account and a transfer request for the amount to an affiliated store server in the second country; and transmitting a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server.

Description

Method and device supporting exchange and remittance service {Method and device supporting exchange and remittance service}

The technical field of the present disclosure relates to a method and method for providing multinational electronic currency exchange and remittance services between fintech companies that were not compatible with each other, using a mobile communication network between a user account, a fintech company server, and an affiliate server. It is related to a technology field that provides a method for exchange and remittance between fintech companies in an electronic wallet method that allows collection to proceed.

As conventional mobile payment is widely used, a fintech service connected to a credit card or bank account or a fintech service using a pre-charged pay point has been variously utilized. Fintech is a compound word of finance and technology, meaning financial services and industries through the convergence of finance and IT. Changes in financial services include technology-based financial services that provide differentiated financial services from existing financial techniques by utilizing new IT technologies such as mobile, SNS, and big data. As a result, cross-border commerce is rapidly increasing, and financial transactions through online and mobile are also increasing. In Korea, various pay services such as PayPal, Apple Pay, Samsung Pay, Kakao Pay, Naver Pay, and Alipay are being launched and used as a payment and settlement service, which is a kind of fintech service area. In such a pay service, payment can be made using the charged or accumulated pay points, such as pre-charging of pay points or accumulating pay points when making a payment using the pay service. Pay service can be used with just a smartphone without having to carry cash or credit cards, and can be used conveniently both online and offline, so the number of users is increasing. However, since the existing pay service does not support currency exchange, there is a problem in that there is a limitation in receiving convenient currency exchange service when traveling abroad. Therefore, there is a need for a currency exchange and remittance method and system that allows users to receive currency exchange in a convenient way during travel by providing exchange services through mobile communication between fintech companies' servers.

Korean Registered Patent No. 10-2245084 (2021.04.21) How to provide a user interface for overseas remittance

The problem to be solved by this disclosure is to receive a request for exchange and remittance service to the second country for the desired exchange amount from a user account linked to a fintech company in the first country, and to communicate with the affiliate server to determine the amount of exchange. This is to provide a service that allows the user to receive the corresponding amount in cash directly from the affiliated store by transmitting information.

As a technical means for achieving the above-mentioned technical problem, the method for supporting the currency exchange and remittance service by the device according to the first aspect of the present disclosure is an amount determined according to user input from a user account linked to a fintech company in the first country. Receiving a request for currency exchange and remittance service to a second country for ; Transmitting a request for currency exchange and remittance for the user account to a fintech company server in the first country; transmitting account information on the user account and a transfer request for the amount to an affiliated store server in the second country; and transmitting a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server.

In addition, one or more fintech companies of the first country may be determined based on the user input.

In addition, the process of proceeding the collection by the user may be performed based on at least one of barcode information for receipt and QR code information for receipt.

In addition, receiving travel information including information on a destination to be visited for the user account; and providing, for the user account, recommendation information recommending one or more affiliate stores from among a plurality of affiliate stores located in the second country based on the travel information.

In addition, the providing of the recommendation information for the user account may include the expected movement line determined based on the information on the destination to be visited, the locations of the plurality of affiliated stores, accessibility to the plurality of affiliated stores, and the plurality of affiliated stores. It may be determined based on at least one of the safety of the dog's affiliate store, the size of the determined amount of money, the expected number of collections, and the number of affiliate stores that can collect money according to the expected movement line.

Also, receiving scheduled visit information including a desired affiliated store and a scheduled visit time for the desired affiliated store from the user account; and transmitting a visit request message to the user account when the collection of money by the user does not proceed within a preset time after the scheduled visit time.

The device supporting the currency exchange and remittance service according to the second aspect of the present disclosure receives a request for currency exchange and remittance service to the second country for an amount determined according to user input from a user account linked to a fintech company in the first country receiving unit; and sending a request for currency exchange and remittance for the user account to the fintech company server in the first country, and sending a transfer request for account information and the amount of money for the user account to the affiliated store server in the second country, A processor for transmitting a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server.

According to an embodiment of the present disclosure, since it is possible to directly receive the amount of money for exchange in cash at a desired affiliated store among a plurality of affiliated stores, users can get out of the restrictions of a limited exchange place when exchanging money between banks or using a currency exchange office. Convenience can be improved.

In addition, efficiency can be improved in that it is possible to exchange money from the overseas fintech company's server to the electronic wallet of the domestic fintech company's server, thereby reducing the probability of risk when exchanging money.

In addition, user convenience can be improved in that the user can reduce the time required to select an affiliated store because an affiliated store that can exchange money is provided as recommendation information in consideration of the user's travel route among a plurality of affiliated stores.

In addition, since the mobile exchange system is provided, since the exchange transaction is performed online, the exchange fee added to the user can be minimized, and the user's satisfaction can be improved in that the user's burden of money can be reduced.

In addition, efficiency can be improved in that the stability of collection can be expanded because the barcode for receipt and QR code for receipt are used when receiving the exchanged amount at the affiliated store.

The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

1 is a block diagram schematically illustrating a configuration of a device supporting currency exchange and remittance services according to an exemplary embodiment.
2 is a flowchart illustrating each step in which a device supporting currency exchange and remittance services operates according to an exemplary embodiment.
3 is a flowchart illustrating each step of providing recommendation information by a device supporting currency exchange and remittance services according to an exemplary embodiment.
4 is a diagram schematically illustrating a currency exchange and remittance platform according to an embodiment.
5 is a diagram illustrating an example in which currency exchange and reservation are performed through an application according to an embodiment.

Advantages and features in the present disclosure, and methods for achieving them will become clear with reference to embodiments described later in detail in conjunction with the accompanying drawings. However, the present disclosure is not limited to the embodiments disclosed below and may be implemented in various different forms, only the present embodiments are intended to make the disclosure complete, and the scope of the present disclosure to those skilled in the art belonging to the technical field. It is provided to fully inform you.

Terminology used in this specification is for describing embodiments and is not intended to limit the present disclosure. In this specification, singular forms also include plural forms unless specifically stated otherwise in a phrase. As used herein, "comprises" and/or "comprising" does not exclude the presence or addition of one or more other elements other than the recited elements. Like reference numerals throughout the specification refer to like elements, and “and/or” includes each and every combination of one or more of the recited elements. Although "first", "second", etc. are used to describe various components, these components are not limited by these terms, of course. These terms are only used to distinguish one component from another. Accordingly, it goes without saying that the first element mentioned below may also be the second element within the technical spirit of the present disclosure.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings commonly understood by those skilled in the art. In addition, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless explicitly specifically defined.

The spatially relative terms "below", "beneath", "lower", "above", "upper", etc. It can be used to easily describe a component's correlation with other components. Spatially relative terms should be understood as encompassing different orientations of elements in use or operation in addition to the orientations shown in the drawings. For example, if you flip a component that is shown in a drawing, a component described as "below" or "beneath" another component will be placed "above" the other component. can Thus, the exemplary term “below” may include directions of both below and above. Components may also be oriented in other orientations, and thus spatially relative terms may be interpreted according to orientation.

Hereinafter, embodiments will be described in detail with reference to the drawings.

1 is a block diagram schematically illustrating the configuration of a device 100 supporting exchange and remittance services according to an embodiment.

Referring to FIG. 1 , a device 100 may include a receiver 110 and a processor 120 .

According to an embodiment, the receiving unit 110 may receive a request for currency exchange and remittance service to a second country for an amount determined according to a user input from a user account linked to a fintech company in the first country.

According to an embodiment, the processor 120 may transmit a request for currency exchange and remittance for a user account to a fintech company server in the first country. In addition, the processor 120 may transmit a transfer request for account information and money for a user account to an affiliated store server in the second country. In addition, the processor 120 may transmit a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server.

In addition, the device 100 receives a currency exchange and remittance service request from the user account in the receiving unit 110, requests exchange and remittance from the processor 120 to the fintech company server in the first country, and provides account information and information about the user account. In the process of sending the transfer request for the amount to the merchant server in the second country and sending the remittance completion message to the fintech company server in the first country, it can be combined by various conventional network combinations such as the Internet network or mobile communication network. It should be noted that there are no special restrictions on this.

In addition, those skilled in the art can understand that other general-purpose components other than the components shown in FIG. 1 may be further included in the device 100 supporting currency exchange and remittance services. For example, the device 100 supporting currency exchange and remittance services is a transmitter that transmits a request for currency exchange and remittance for a user account to a fintech company server or a transfer request for account information and money for a user account to an affiliated store server ( (not shown) may further include a memory (not shown) for storing recommendation information provided to a user obtained from the processor 120 or information on a plurality of fintech companies used in the first country. can Alternatively, in the case of other embodiments, those skilled in the art may understand that some of the components shown in FIG. 1 may be omitted.

The device 100 supporting currency exchange and remittance services according to an embodiment may be used by a user, and may be a touch screen such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. It can be interlocked with all types of handheld-based wireless communication devices equipped with panels, and in addition to desktop PCs, tablet PCs, laptop PCs, IPTVs including set-top boxes, such as IPTV, which can install and run applications. It can be included in or interlocked with the device in which the foundation is prepared.

The device 100 supporting currency exchange and remittance services may be implemented as a terminal such as a computer that operates through a computer program for realizing the functions described in this specification.

The device 100 supporting exchange and remittance services according to an embodiment may include a system (not shown) and a related server (not shown) that provides exchange and remittance services, but is not limited thereto. A server according to an embodiment may support an application providing currency exchange and remittance services.

Hereinafter, an embodiment in which the device 100 supporting currency exchange and remittance service independently performs payment will be mainly described, but, as described above, it may be performed through interworking with a server. That is, the device 100 and the server supporting the currency exchange and remittance service according to an embodiment may be integrated and implemented in terms of their functions, and the server may be omitted, and it should be noted that the server is not limited to any one embodiment. can

In one embodiment, the device 100 and the server may be interlocked, and the configuration of providing currency exchange and remittance services by mobile communication with a user account, fintech company server, and affiliate server may be performed by the server, and the device 100 may be performed in For example, the device 100 can operate as a server, and will be unified as the device 100 and described below.

2 is a flowchart illustrating each step of operation of the device 100 supporting exchange and remittance services according to an embodiment.

In step S210, the device 100 may receive a request for currency exchange and remittance service to the second country for an amount determined according to a user input from a user account linked to a fintech company in the first country. In one embodiment, the first country may mean overseas and the second country may mean domestic. In addition, the user account means an account using a fintech company in the first country, and the fintech company server in the first country and the user account may be linked accounts. The device 100 may receive information on the amount to be exchanged from the user account and may receive a request for exchange and remittance service to the second country. The currency exchange and remittance service may refer to a service in which an amount corresponding to a second country is exchanged and the exchanged amount is remitted to a user account when a user requests a collection. In one embodiment, the fintech company of the first country may be determined as at least one fintech company among a plurality of fintech companies based on a user input. For example, there may be a plurality of fintech companies in the first country, and the user may select one fintech company linked to a user account among the plurality of fintech companies as a fintech company to receive exchange and remittance services.

In step S220, the device 100 may transmit a request for currency exchange and remittance for the user account to the fintech company server in the first country. The fintech company server in the first country may mean a server corresponding to the fintech company selected by the user, and the device 100 responds to the amount to be exchanged and the exchange and remittance service request determined according to the user input received from the user account. Requests for currency exchange and remittance may be sent to the fintech company server in the first country.

In step S230, the device 100 may transmit a transfer request for account information and money for the user account to an affiliated store server in the second country. In one embodiment, the affiliated store server in the second country may refer to a place where the user wants to collect the amount corresponding to the exchanged amount, and the account information may include information of a user who is scheduled to visit the affiliated store to collect the amount corresponding to the exchanged amount. can mean Accordingly, the device 100 may transmit a transfer request requesting transfer of the exchanged amount to the user along with the account information to the affiliated store server in the second country.

In step S240, the device 100 may transmit a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server. When the user visits an affiliated store in the second country and collects the exchanged amount, it means that the transfer is performed to the device 100 according to the request for remittance of the exchanged amount to the fintech company server in the first country, and the device ( 100) may transfer the corresponding amount to the user account and transmit a remittance completion message to the fintech company server in the first country. In addition, when the collection proceeds, the affiliated store server may deduct an amount corresponding to the amount remitted from the device 100 to the user account from the user account and collect the money in cash.

In one embodiment, the process of proceeding with the collection by the user may be performed based on at least one of barcode information for receipt and QR code information for receipt. The barcode for receipt or the QR code for receipt may be a code for identifying a user that the device 100 assigns to each user account. The device 100 may transmit information about a barcode or QR code for receipt corresponding to the user account to an affiliated store server in the second country selected from the user account. Accordingly, when the user collects the exchanged amount, authentication may be performed by inputting the barcode or QR code for receipt issued to the affiliated store server. When authentication of the user is completed, collection of money by the user may proceed. The barcode for receipt or the QR code for receipt may be replaced with a unique authentication number.

3 is a flowchart illustrating each step of providing recommendation information by the device 100 supporting currency exchange and remittance services according to an exemplary embodiment.

In step S310, the device 100 may receive travel information including information on a destination to be visited for a user account.

In step S320, the device 100 may provide recommendation information recommending one or more affiliate stores among a plurality of affiliate stores located in the second country for the user account based on the travel information. The travel information includes information on a visited destination, and information on at least one destination to be visited may be received from a user account. For example, the user may input a plurality of destinations to be visited (eg, Gyeongbokgung Palace, Blue House, Seoul Plaza, etc.). The device 100 may obtain information on a plurality of affiliate stores located in each of a plurality of corresponding regions based on the travel information received from the user account, and information on at least one affiliate store among the plurality of affiliate stores obtained by the user account can be provided as recommended information. In addition, the device 100 according to an embodiment determines at least one affiliated store among a plurality of affiliated stores as recommendation information, including an expected traffic line determined based on information on a destination to be visited, a destination to be visited, locations of a plurality of affiliated stores, and a plurality of affiliated stores. The determination may be made based on at least one of accessibility to the number of affiliated stores, safety of a plurality of affiliated stores, the size of the determined amount of money, the expected number of collections, and the number of affiliated stores that can collect money according to the expected circulation.

The device 100 according to an embodiment determines the recommended information based on each of the above-described factors, including a destination to be visited, an expected movement line, the number of affiliate stores that can collect money according to the expected movement line, the location of a plurality of affiliate stores, and a plurality of affiliate stores. A plurality of affiliate stores included in the recommendation information may be determined based on weights assigned to gradually decrease in order of accessibility and safety of the plurality of affiliate stores. For example, the highest weight may be given to the planned place to visit in that each other element may be determined based on information received from a user account at the beginning in order to determine recommendation information. In addition, the device 100 can determine the most efficient travel route based on the received destination to be visited. Rather than finding a plurality of affiliate stores corresponding to each of the plurality of destinations to visit, it is preferable to find an affiliate store that exists between each destination to visit. Since the convenience of use of the user can be further improved, it may be desirable to provide information on a plurality of affiliated stores located in the travel line, so a second high weight may be given to the travel line. In addition, since the number of merchants that can collect money according to the expected movement may be a concept that includes the probability that the user can collect money for the exchanged amount when traveling, it is possible to flexibly select and collect money according to the number of merchants, but the number of merchants If is too small, a situation in which collection can be received only at limited merchants may occur, so the need to confirm this is somewhat high, so a high weight can be given to the number of merchants that can collect money according to the expected circulation as the third priority. In addition, the location of a plurality of affiliated stores may be an important factor in determining which affiliated stores for the user to collect money, but this is highly likely to be included in the above-described expected circulation, identifies the number of affiliated stores that can collect money, and then confirms the location with a more detailed concept. that may be desirable. In addition, since there is a range that is partially included in the number of affiliate stores that can collect money according to the expected movement line and the expected movement line, the position of the plurality of affiliate stores may be given a high weight in the 4th order in that the importance may be slightly lower than the two factors. In addition, accessibility to a plurality of affiliates may be determined according to the degree of proximity to a large station, proximity to a downtown area, and number of vehicles. When a user uses an affiliate store to collect money, it can be efficient to provide recommendation information for an affiliate store located in a location where the user can move conveniently, so accessibility to a plurality of affiliate stores can be given a high weight in 5th place. In addition, the reliability of an affiliate store is an important factor in collecting money. In an embodiment, the device 100 may receive information on ratings for each affiliate store from a plurality of user accounts, and based on this, recommend an affiliate store with a predetermined rating or higher. It may include a filtering step so that it is included in the information. Therefore, in that a plurality of affiliated stores, which are filtered to a certain extent, are provided as recommendation information, a high weight of 6th rank can be assigned to the stability of the plurality of affiliated stores. The device 100 may determine a plurality of affiliated stores based on weights assigned to each element in the above-described order, and may provide recommendation information including information on the determined plurality of affiliated stores to the user account. Accordingly, since the user can be recommended information on a plurality of affiliated stores that are convenient to use during travel, the burden of selection and time demand on the affiliated store can be relieved, and thus satisfaction can be improved.

According to an embodiment, the device 100 may determine an expected number of collections based on the size of the determined amount of money input from the user account, and may provide recommended information for this to the user account. For example, the device 100 may generally determine a plurality of affiliated stores to be included in the recommendation information in the same way as described above. If the size of the determined amount is greater than or equal to a predetermined value, a process of determining the expected number of collections may be additionally performed. can In one embodiment, if the size of the determined amount is greater than or equal to a predetermined value, a situation in which too large an amount must be carried when moving may occur when collecting money at one merchant or a small number of merchants at once, and at this time, the risk may increase Since it may be safe to collect money in a certain amount, it may be desirable for the device 100 to determine the expected number of collections and to provide recommendation information. The device 100 may determine the expected number of collections based on the number of affiliated stores determined based on the planned destination and expected movement and the size of the determined amount (total amount to be exchanged). The device 100 may divide the amount determined by the number of a plurality of affiliated stores provided as recommendation information to provide first recommendation information including information on a collection amount to be collected at one time and a plurality of affiliated stores to be collected. Since user convenience may be reduced to some extent when collecting money from many affiliated stores, the size of the determined amount divided by the preset number is determined as the collection amount to be collected at once, and a system including information on the determined collection amount and a plurality of affiliated stores 2 Can provide recommendations. In this case, the preset number may be determined as a value equal to or smaller than the number of affiliated stores and may be preset by a user or manager. In addition, information on an affiliated store to receive collection of money among a plurality of affiliated stores may be selected and inputted corresponding to a preset number from the user account. Since the device 100 additionally provides the first recommendation information and the second recommendation information, the user's satisfaction can be improved in that stability can be secured when collecting money for a large sum of money above a certain level.

In step S330, the device 100 may receive visit scheduled information including a desired affiliated store and a scheduled visit time for the desired affiliated store from the user account. The user may select at least one desired affiliate store among a plurality of affiliate stores included in the provided recommendation information and input a scheduled visit time for each selected desired affiliate store.

In step S340, the device 100 may transmit a visit request message to the user account when the user does not proceed with collection of money within a first preset time after the scheduled visit time. In one embodiment, the user may receive cash from the affiliated store when collecting the exchanged amount, but if the visit is much later than the scheduled time, the desired affiliated store may not have the amount corresponding to the exchanged amount. this can be important If collection by the user does not proceed within a preset time after the scheduled visit time, it may be determined that the user has not visited the affiliated store yet, so the device 100 transmits a request for collection to the desired affiliated store through the user account can do. In addition, if collection by the user does not proceed within the second preset time after sending the request for visit, the device 100 may cancel the reservation for the desired affiliated store and rebook for the same desired affiliated store or move to a new desired affiliated store. A reservation request message requesting a new reservation of can be sent to the user account. The first preset time period may be greater than the second preset time period and may be preset by an administrator. In addition, referring to FIG. 3 , step S340 is indicated by a dotted line, which indicates that step S340 can be omitted when the user proceeds with the collection of money within a preset time of the scheduled visit time.

4 is a diagram schematically illustrating a currency exchange and remittance platform according to an embodiment.

Referring to FIG. 4 , the device 100 may transmit/receive information about currency exchange and remittance with a user account, a first fintech company server, and an affiliated store server in a second country. The user can request the amount to be exchanged and the exchange and remittance service from the first country to the device 100, and the device 100 exchanges and remits money to the user account to the fintech company server in the first country according to the user input. request can be sent. In addition, the device 100 may provide recommendation information to the user account and may transmit a transfer request for account information and money for the user account to an affiliated store server in a second country determined according to the user's selection. The user may proceed with collection of money by visiting an affiliated store in the second country in the second country. In one embodiment, the device 100 may transmit a barcode for receipt or a QR code for receipt to the user account and the merchant server in the second country, and enter the code in the user account into the merchant server in the second country to obtain the same When authentication is complete, collection can proceed. Thereafter, the device 100 may transmit a remittance completion message to the fintech company server in the first country when information on the completion of collection is received from the affiliated store server in the second country. In FIG. 4, a user account (first country) and a user account (second country) mean the same account, and different countries are used.

5 is a diagram illustrating an example in which currency exchange and reservation are performed through an application according to an embodiment.

Referring to FIG. 5 , the user may determine a desired fintech company of the first country by using an application provided from the device 100 and log in to the account. In addition, an amount to be exchanged can be input and exchange and remittance services can be requested, and the device 100 can complete the transfer in the electronic wallet through transmission and reception with the first fintech company server. In addition, the user may apply for receiving the exchange amount from an affiliate store in the second country through the application, search for an affiliate store, or select at least one of a plurality of affiliate stores provided as recommendation information. The user may input the exchange amount to be collected from the selected affiliated store in the second country and the scheduled visit time, and accordingly, the user's currency exchange and visit reservation may be completed at the affiliated store in the second country.

According to an embodiment, user convenience is improved in that it is possible to get out of the restrictions of a limited exchange place when exchanging money between banks or using a currency exchange office, because it is possible to receive the amount for currency exchange in cash directly from a desired affiliated store among a plurality of affiliated stores. It can be. In addition, efficiency can be improved in that it is possible to exchange money from the overseas fintech company's server to the domestic fintech company's server's electronic wallet, reducing the probability of risk when exchanging money. Since possible affiliate stores are provided as recommendation information, the user's convenience can be improved in that the time required for the user to select an affiliate store can be reduced. In addition, since the mobile exchange system is provided, since the exchange transaction is performed online, the exchange fee added to the user can be minimized, thereby reducing the user's burden of money, which can improve the user's satisfaction and increase the amount of exchange at the affiliate store. Efficiency can be improved in that the stability of money collection can be expanded because the barcode for receipt and the QR code for receipt are used at the time of receipt.

Various embodiments of the present disclosure are implemented as software including one or more instructions stored in a storage medium (eg, memory) readable by a machine (eg, a display device or a computer). It can be. For example, the processor 120 (eg, processor 120) of the device may call at least one of one or more instructions stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the invoked at least one instruction. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-temporary' only means that the storage medium is a tangible device and does not contain signals (e.g., electromagnetic waves), and this term refers to the case where data is stored semi-permanently in the storage medium. It does not discriminate when it is temporarily stored.

According to one embodiment, the method according to various embodiments disclosed in the present disclosure may be included and provided in a computer program product. Computer program products may be traded between sellers and buyers as commodities. A computer program product is distributed in the form of a device-readable storage medium (e.g. compact disc read only memory (CD-ROM)), or through an application store (e.g. Play Store™) or on two user devices (e.g. It can be distributed (eg downloaded or uploaded) online, directly between smartphones. In the case of online distribution, at least part of the computer program product may be temporarily stored or temporarily created in a device-readable storage medium such as a manufacturer's server, an application store server, or a relay server's memory.

Although the present invention has been described with reference to the drawings exemplified, it is not limited by the disclosed embodiments and drawings, and those skilled in the art related to the present embodiment may modify within the range that does not deviate from the essential characteristics of the above description. It will be understood that it can be implemented in the form of Therefore, the disclosed methods are to be considered in an illustrative rather than a limiting sense. Although an embodiment is described and the operation and effect according to the configuration of the present invention are not explicitly described and described, effects predictable by the corresponding configuration can also be recognized. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the equivalent scope will be construed as being included in the present invention.

100: device
110: receiver 120: processor

Claims (7)

In the method of supporting currency exchange and remittance services,
Receiving a request for currency exchange and remittance service to a second country for an amount determined according to a user input from a user account linked to a fintech company in a first country;
Transmitting a request for currency exchange and remittance for the user account to a fintech company server in the first country;
transmitting account information on the user account and a transfer request for the amount to an affiliated store server in the second country; and
Transmitting a remittance completion message to the fintech company server of the first country as the user proceeds to collect money from the affiliated store server;
receiving travel information including information on a destination to be visited for the user account;
providing recommendation information recommending one or more member stores among a plurality of member stores located in the second country for the user account based on the travel information;
receiving visit scheduled information including a desired affiliated store and a scheduled visit time for the desired affiliated store from the user account; and
and transmitting a visit request message to the user account when the collection of money by the user does not proceed within a preset time after the scheduled visit time.
According to claim 1,
Wherein the fintech company of the first country is determined from among one or more fintech companies based on the user input.
According to claim 1,
The process of proceeding with the collection by the user is performed based on at least one of barcode information for receipt and QR code information for receipt.
delete According to claim 1,
Providing the recommendation information for the user account
An expected route determined based on the information on the destination to be visited, the destination to be visited, the location of the plurality of affiliate stores, accessibility to the plurality of affiliate stores, safety of the plurality of affiliate stores, size of the determined amount of money, expected number of collections , The method determined based on at least one of the number of merchants capable of collecting money along the expected movement line.
delete In a device supporting currency exchange and remittance services,
Receive a request for currency exchange and remittance service to the second country for an amount determined according to user input from a user account linked to a fintech company in the first country,
Receive travel information including information about a destination to be visited for the user account;
a receiver configured to receive visit scheduled information including a desired affiliated store and a scheduled visit time for the desired affiliated store from the user account; and
Sending a request for currency exchange and remittance for the user account to the fintech company server in the first country;
Sending account information for the user account and a transfer request for the amount to an affiliated store server in the second country;
Sending a remittance completion message to the fintech company server in the first country as the user proceeds to collect money from the affiliated store server;
Providing recommendation information recommending one or more affiliated stores among a plurality of affiliated stores located in the second country for the user account based on the travel information;
A device comprising: a processor configured to transmit a visit request message to the user account when collection of money by the user does not proceed within a predetermined time after the scheduled visit time.

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