KR102546892B1 - Current exchange service providng method and apparatus for performing the method - Google Patents

Abstract

A method for providing a currency exchange service and an apparatus for performing the method are provided. The method for providing a currency exchange service includes generating a currency exchange order form in response to a currency exchange request received from a user's device; Transmitting a currency exchange bid request corresponding to the currency exchange order form to a plurality of currency exchange service providing servers corresponding to each of a plurality of currency exchange service providers connected to the currency exchange mediation server; receiving currency exchange bidding results from at least one currency exchange service providing server among the plurality of currency exchange service providing servers that intends to participate in currency exchange bidding; providing information on at least one currency exchange service providing servers that intend to participate in the currency exchange bidding to a user's device based on a result of the currency exchange bidding; Receiving a currency exchange order request including a currency exchange service providing server to proceed with currency exchange service from the user's device; and generating an exchange confirmation letter indicating a right to receive foreign currency cash at a currency exchange business office in response to the exchange order request.

Description

Exchange service providing method and apparatus for performing the method {CURRENT EXCHANGE SERVICE PROVIDNG METHOD AND APPARATUS FOR PERFORMING THE METHOD}

The present invention relates to a method for providing a currency exchange service and an apparatus for performing the method, and more particularly, to a currency exchange that allows actual foreign currency cash to be received using an exchange confirmation letter generated through a bidding process of companies providing currency exchange services. It relates to a service providing method and device.

With the recent spread of fintech services, online money services are becoming more active. Such an online money service is simply used for online or offline payment, and there is a need to expand the use area.

In particular, according to the existing exchange service, the user does not go through a separate comparison process for trading exchange rates, and directly visits an offline bank or exchange office to exchange money. As a result, there was a problem in that the user could not receive an optimized exchange service by simply visiting an exchange office that was easy to visit or that could be processed immediately, rather than comparing exchange rates and exchanging money.

The present invention provides a method and apparatus capable of providing a currency exchange service capable of exchanging money within the balance range of a user's online money in a non-face-to-face manner.

In the present invention, the currency exchange service is performed with the currency exchange service provider selected by the user among a plurality of currency exchange service providers participating in the bidding, and the amount of exchange is deducted from online money and the right to receive foreign currency cash at an offline currency exchange office Provides a method and device for delivering a phosphorus exchange confirmation.

The present invention provides a method and apparatus for actually utilizing the right to exchange money by allowing the transfer of the exchange confirmation for exchange service to the recipient of the exchange confirmation of the user.

The present invention provides a reverse exchange service in which coins or banknotes obtained in foreign countries can be reversely exchanged and accumulated as online money, thereby providing a method for converting difficult-to-process coins or banknotes into online money that can be used for payment, and provide the device.

A method for providing a currency exchange service performed by a currency exchange brokerage server according to a first embodiment of the present invention includes generating a currency exchange order form in response to a currency exchange request received from a user's device; Transmitting a currency exchange bid request corresponding to the currency exchange order form to a plurality of currency exchange service providing servers corresponding to each of a plurality of currency exchange service providers connected to the currency exchange mediation server; receiving currency exchange bidding results from at least one currency exchange service providing server among the plurality of currency exchange service providing servers that intends to participate in currency exchange bidding; providing information on at least one currency exchange service providing servers that intend to participate in the currency exchange bidding to a user's device based on a result of the currency exchange bidding; Receiving a currency exchange order request including a currency exchange service providing server to proceed with currency exchange service from the user's device; and generating an exchange confirmation letter indicating a right to receive foreign currency cash at a currency exchange business office in response to the exchange order request.

The exchange request is, when performing a currency exchange service that converts the currency of a first country into the currency of a second country, the amount of the currency of the second country to be exchanged and the currency of the first country to which the amount of the currency and the expected exchange rate are applied. can include

The expected exchange rate may be determined based on a cash selling rate received from a currency exchange service providing server corresponding to each of a plurality of currency exchange service providers.

The currency exchange mediation server may sort and provide exchange rate information for at least one exchange service providing servers that want to participate in the exchange bidding and exchange rate information for the at least one exchange service providing server according to a specific criterion.

The specific criterion may be the standard exchange rate included in the exchange rate information, the distance between the user and the currency exchange office connected to the currency exchange service provider, the credit rating of the currency exchange service provider, the currency exchange fee of each of the currency exchange service provider, and the currency exchange service. It may include at least one of the level of satisfaction of each provider.

The generating of the exchange confirmation may include: (i) foreign currency cash of a second country required to receive foreign currency cash of a second country, which is a result of exchanging the currency of the first country in the online money corresponding to the account of the user; An online money balance minus the exchange amount to be received and (ii) a currency exchange confirmation letter including a foreign currency buyer eligible to receive foreign currency cash in a second country may be generated.

The method of providing a currency exchange service may further include determining whether or not an exchange transaction is possible from the currency exchange service providing server using a currency exchange confirmation letter when the user receives foreign currency cash from a currency exchange office.

A method for providing a currency exchange service performed by a user's device according to a first embodiment of the present invention includes the steps of transmitting a currency exchange request for currency exchange bidding to a currency exchange mediation server; Receiving information about at least one exchange service providing server that intends to participate in the currency exchange bidding based on a currency exchange bidding result; Transmitting a currency exchange order request including a currency exchange service providing server to a currency exchange mediation server; and receiving a currency exchange confirmation letter indicating a right to receive foreign currency cash at a currency exchange business office in response to the exchange order request from the currency exchange mediation server.

A method for providing a currency exchange service performed by a currency exchange brokerage server according to a second embodiment of the present invention includes the steps of transmitting a currency exchange confirmation letter, which is a right to receive foreign currency cash through a currency exchange office, to a user's device; Receiving a request for transfer of currency exchange confirmation from the user's device; transmitting a request for receipt of the exchange confirmation to a device of a recipient of the exchange confirmation to transfer the exchange confirmation; and when receiving confirmation of receipt of the exchange confirmation from the device of the recipient of the exchange confirmation, modifying the foreign currency purchaser of the exchange confirmation and transmitting the same to the device of the recipient of the exchange confirmation.

The exchange confirmation letter includes (i) the online money balance obtained by subtracting the exchange amount required to receive foreign currency cash in the second country, which is the result of exchanging the currency of the first country from the online money corresponding to the user's account, and (ii) ) may include foreign currency buyers who may receive foreign currency cash from a second country.

The method of providing the currency exchange service further includes determining whether the exchange confirmation requested for transfer is valid, and the step of transmitting a request for receipt of the exchange confirmation to a device of a recipient of the exchange confirmation may include: when the exchange confirmation is valid , A request for receipt of the exchange confirmation may be transmitted.

The step of determining whether the exchange confirmation requested for transfer is valid, whether the recipient of the exchange confirmation is a valid friend in the user's relationship, whether the transfer request for the exchange confirmation is within the validity period of the exchange confirmation, the exchange It is possible to determine whether the transfer requested exchange confirmation is valid based on at least one of whether or not foreign currency cash has already been received through the confirmation.

A method for providing a currency exchange service performed by a user's device according to a second embodiment of the present invention includes the steps of selecting an exchange confirmation to be transferred from among at least one exchange confirmation that is a right to receive foreign currency cash through a currency exchange office; selecting a recipient of the exchange confirmation to transfer the selected exchange confirmation from among recipients of the user's exchange confirmation; transmitting a transfer request of the selected currency exchange confirmation to a currency exchange mediation server; and receiving a transfer result for the currency exchange confirmation from the currency exchange brokerage server, and the device of the recipient of the currency exchange confirmation may receive a currency exchange confirmation corrected by the foreign currency buyer in the selected exchange certificate from the currency exchange brokerage server.

A method for providing a currency exchange service performed by a currency exchange brokerage server according to a third embodiment of the present invention is an application for a reverse exchange service for exchanging a currency of a second country issued as coins or bills from a user's device into a currency of a first country. receiving; Generating a reverse exchange application in response to the request and transmitting it to at least one exchange service providing server; transmitting a confirmation request for reverse exchange service to a currency exchange service providing server providing reverse exchange service among the at least one exchange service providing server; and updating an exchanged amount corresponding to the reversed currency of the first country to the user's online money when a transaction completion for the reverse exchange service for the confirmation request is received.

The confirmation request may be transmitted to a currency exchange service providing server determined according to a bidding result for the reverse exchange service, or may be transmitted to a currency exchange service providing server connected to the currency exchange brokerage server and the reverse exchange service regardless of the bidding result.

Receiving an application for the reverse exchange service may include reverse exchange by recognizing an identification code displayed on at least one of an envelope, a bag, or a storage device in which coins or bills corresponding to the currency of the second country are received, by the user's device. A request for service may be received.

A method for providing a currency exchange service performed by a user's device according to a third embodiment of the present invention identifies an exchange medium for a reverse exchange service in which a currency of a second country issued as coins or banknotes is exchanged into a currency of a first country. recognizing the code; Transmitting a request for a reverse exchange service corresponding to the identification code to an exchange mediation server; transmitting an order request for the reverse exchange service to a currency exchange brokerage server in response to a bidding result received from the currency exchange brokerage server or a reverse exchange confirmation request from a currency exchange service providing server; Receiving a result of the reverse exchange service in response to the order request, wherein the online money of the user is an exchange amount corresponding to the reverse exchanged currency of the first country after the transaction for the reverse exchange service is completed. can be updated as much as possible.

According to one embodiment of the present invention, it is possible to provide a currency exchange service capable of exchanging money within the range of the user's online money balance in a non-face-to-face manner.

According to one embodiment of the present invention, the exchange service is performed with the exchange service provider selected by the user among the plurality of exchange service providers participating in the bidding, and the exchange amount is deducted from the online money, and foreign currency cash is exchanged at the offline exchange office. You can deliver a confirmation of exchange, which is the right to receive.

According to one embodiment of the present invention, the exchange confirmation for exchange service can be transferred to the recipient of the exchange confirmation of the user, so that the right to actually exchange money can be utilized.

According to one embodiment of the present invention, by providing a reverse exchange service that can be accumulated as online money by reverse exchanging coins or banknotes obtained in foreign countries, coins or banknotes that are difficult to process are converted into online money that can be used for payment. can switch

1 is a diagram illustrating devices performing a method for providing a currency exchange service according to an embodiment of the present invention.
2 is a flowchart illustrating a process of generating an exchange confirmation letter through an exchange request according to a first embodiment of the present invention.
3 is a flowchart showing a process of receiving foreign currency cash using an exchange confirmation letter according to a first embodiment of the present invention.
4 is a diagram illustrating an example of requesting an exchange order from a user's device according to a first embodiment of the present invention.
5 is a diagram illustrating an example of obtaining a currency exchange confirmation from a user's device according to a first embodiment of the present invention.
6 is a flowchart illustrating a process in which a user transfers an exchange confirmation to a recipient of an exchange confirmation according to a second embodiment of the present invention.
7 is a diagram showing an example of transferring an exchange confirmation document according to a second embodiment of the present invention.
8 is a flowchart illustrating a process of performing a reverse exchange service without bidding according to a third embodiment of the present invention.
9 is a flowchart illustrating a process of performing a reverse exchange service through bidding according to a third embodiment of the present invention.
10 is a flowchart showing an example of requesting reverse exchange according to the third embodiment of the present invention.
11 is a diagram showing an example of a reverse exchange result screen according to a third embodiment of the present invention.

Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only, and may be modified and implemented in various forms. Therefore, the embodiments are not limited to the specific disclosed form, and the scope of the present specification includes changes, equivalents, or substitutes included in the technical spirit.

Although terms such as first or second may be used to describe various components, such terms should only be construed for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element.

It should be understood that when an element is referred to as being “connected” to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle.

Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as "comprise" or "have" are intended to designate that the described feature, number, step, operation, component, part, or combination thereof exists, but one or more other features or numbers, It should be understood that the presence or addition of steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in this specification, it should not be interpreted in an ideal or excessively formal meaning. don't

The embodiments described below may be used to convert or reverse exchange. Devices performing the method of providing an exchange service may be implemented in various types of products such as smart phones, wearable devices, tablet computers, laptop computers, personal computers, smart home appliances, and intelligent vehicles.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

1 is a diagram illustrating devices performing a method for providing a currency exchange service according to an embodiment of the present invention.

Referring to FIG. 1 , an exchange mediation server 100 performing a method of providing an exchange service is shown. A method of providing a currency exchange service according to an embodiment of the present invention may be implemented through a specific page of a website or through an application installed in a device.

The user's device 1 (101) may request an exchange service or a reverse exchange service through the exchange brokerage server 100. The device 2 (105) of the receiver of the currency exchange confirmation may receive the currency exchange confirmation obtained through the device 1 (101).

Further, in one embodiment of the present invention, there may be a plurality of exchange service providing servers 102-1 to 102-N participating in the exchange service providing method. In addition, at least one exchange office terminal 103-1 to 103-N may be connected to each exchange service providing server 102-1 to 102-N.

Exchange brokerage server 100 may be connected to a financial server 104 that manages accounts of users such as banks and securities companies. The amount of money included in the user's account may be converted into online money that can be paid in an online environment or an offline environment according to the user's request. Conversely, online money may be credited to a user's account at the user's request.

The currency exchange mediation server 100 may also perform a currency exchange/reverse currency exchange service based on an online money providing service that manages online money in association with a user's account. The exchange service providing servers 102-1 to 102-N may provide a currency exchange service or a reverse exchange service in association with the exchange mediation server 100.

Hereinafter, (i) Example 1 of providing a currency exchange service at the user's request, (ii) Example 2 of transferring the exchange confirmation obtained by executing the exchange service at the user's request to the recipient of the exchange confirmation, and (iii) Embodiment 3 of providing a reverse exchange service according to a user's request will be described in detail.

Embodiment 1 means that the user conveniently applies for currency exchange in a non-face-to-face manner within the range of online money corresponding to the user's account through the exchange brokerage server 100. According to the user's application for exchange, a currency exchange confirmation is issued, and the user can visit a currency exchange office participating in the exchange service and obtain the foreign currency cash actually requested for exchange through the exchange confirmation.

Embodiment 2 means that the exchange confirmation is transferred to the recipient of the exchange confirmation selected by the user in a situation where the exchange confirmation is issued according to the user's application for exchange. That is, Example 2 means that the user transfers the exchange confirmation letter indicating the right to obtain foreign currency cash by actually visiting the exchange office to the recipient of the exchange confirmation letter.

Embodiment 3 relates to a reverse exchange service in which a user converts foreign currency such as coins or banknotes acquired in a second country into a currency of a first country. That is, if the currency exchange service as in Example 1 means exchanging the currency of the first country to the currency of the second country, the reverse exchange service means exchanging the currency of the second country to the currency of the first country. When the reverse exchange service is completed, the value of coins or banknotes provided by the user to the exchange service provider may be converted into online money managed by the exchange broker server 100 .

2 is a flowchart illustrating a process of generating an exchange confirmation letter through an exchange request according to a first embodiment of the present invention.

FIG. 2 shows one exchange service providing server 102 among a plurality of exchange service providing servers performing a method of providing an exchange service.

In step S201, the exchange service providing server 102 operated by the exchange service provider may provide first exchange rate information to the exchange mediation server 100. Here, the first exchange rate information means an exchange rate provided by each exchange service provider. In this case, the first exchange rate information refers to a cash selling rate obtained by adding a commission of a currency exchange service provider to a trading base rate.

In step S202, the exchange brokerage server 100 determines second exchange rate information (expected exchange rate) based on the first exchange rate information received from the plurality of exchange service providing servers 102, and then the user's device 1 (101) ) can be passed on. The second exchange rate information may be determined by mathematically calculating (eg, averaging) the cash selling rates of each of the plurality of exchange service providing servers 102 . At this time, the second exchange rate information may additionally reflect the brokerage fee of the exchange brokerage server 100 .

In step S203, the user's device 1 (101) may transmit an exchange request to the exchange brokerage server 100. In the case of exchanging money from a monetary unit (first currency) of a first country to a monetary unit (second currency) of a second country, the exchange request includes the type of the first currency, the exchange amount, the type of the second currency, and the exchange mediation server ( 100) may include a user account managed by the user.

In step S204, the exchange mediation server 100 may generate an exchange order form in response to the exchange request received from the device 1 (101). Then, in step S205, the exchange brokerage server 100 may transmit a currency exchange bid request to each of the plurality of exchange service providing servers 102 through the exchange order form. The exchange order form may include second exchange rate information.

The exchange service providing server 102 may determine whether to participate in the bidding based on the second exchange rate information included in the exchange order form. If the exchange service providing server 102 wants to participate in the bidding corresponding to the exchange order, in step S206, the exchange service providing server 102 transfers the exchange bidding result, which is the result of responding to the exchange bid request, to the exchange broker. It can be transmitted to the server 100. The currency exchange bidding result includes the cash sale rate managed by the exchange service providing server 102, and the cash sale rate may be the same as or changed from the exchange rate included in the first exchange rate information. Such a cash selling rate may be a standard exchange rate for each of the exchange service providing servers 102 .

In step S207, the exchange brokerage server 100 transfers exchange rate information (standard exchange rate) for at least one exchange service providing server 102 and the exchange service providing server 102 in response to the exchange bid request to a specific standard. can be sorted according to Here, the specific criteria are the descending/ascending order of the standard exchange rate included in the exchange rate information, the distance between the user and the currency exchange office connected to the currency exchange service provider, the credit rating of the currency exchange service provider, the exchange fee for each currency exchange service provider, and the provision of currency exchange service. It may include at least one of the satisfaction of each of the companies.

Then, in step S208, the exchange brokerage server 100 transfers the exchange bid result including the standard exchange rate (cash sale rate) presented by at least one exchange service providing server 102 participating in the exchange bid request to the device 1 ( 101) can be sent. The currency exchange bidding result may include a cash sale rate provided by each of the currency exchange service providing servers 102 and a result of sorting exchange service providers corresponding thereto according to a sorting criterion.

In step S209, the device 1 (101) transmits a currency exchange order application including a result of the user's selection of a currency exchange service provider to actually participate in currency exchange from the currency exchange bidding result from the device 1 (101) to the currency exchange brokerage server 100. can Accordingly, in step S210, a currency exchange order may be concluded between the user of the device 1 (101) and the currency exchange service provider of the currency exchange service providing server 102. At this time, in step S211, the currency exchange brokerage server 100 converts the online money corresponding to the user's account to the amount corresponding to the result of combining the standard exchange rate of the currency exchange service provider selected by the user and the first currency to be exchanged. can be deducted.

In step S212, the exchange mediation server 100 may transmit the exchange result to the exchange service providing server 102 participating in the exchange bidding. Accordingly, a sale transaction from the first currency to the second currency between the user and the exchange service provider may be confirmed. However, since the user did not actually acquire foreign currency cash, an actual transaction did not occur.

After that, in step S213, the exchange mediation server 100 may generate an exchange confirmation corresponding to the exchange result. The exchange confirmation letter means a kind of right used when the user actually exchanges money. The exchange confirmation will be described in detail with reference to FIG. 5 . And, in step S214, the exchange brokerage server 100 may transmit the exchange confirmation to the user's device 1 (101).

Although not shown in FIG. 2 , a process in which the user actually receives foreign currency cash offline using the currency exchange confirmation obtained by using the device 1 (101) will be described in detail with reference to FIG. 3 .

3 is a flowchart showing a process of receiving foreign currency cash using an exchange confirmation letter according to a first embodiment of the present invention.

Processes below step S301 are the same as those described in FIG. 2 .

In step S301, device 1 (101) may display the currency exchange confirmation obtained from the currency exchange mediation server 100. Then, in step S302, the device 1 (101) may actually transmit an exchange processing request to the exchange service providing server 102 using the exchange confirmation letter. For example, the exchange service providing server 102 may check the exchange confirmation online or check the exchange confirmation through a process of recognizing an identification code such as a barcode/QR code.

In step S303, the exchange service providing server 102 may request the exchange brokerage server 100 to confirm whether exchange transactions are possible using the exchange confirmation letter corresponding to the exchange processing request received from the device 1 (101). . The provision of foreign currency cash to the user may be withheld until confirmation of whether exchange transactions are possible is completed.

In step S304, the exchange brokerage server 100 may determine whether the exchange transaction requested by the device 1 (101) is possible in response to the confirmation request received from the exchange service providing server 102. Specifically, the exchange mediation server 100 may determine whether the exchange transaction requested by the device 1 (101) is possible by determining whether the exchange confirmation is valid. For example, whether a request for a currency exchange transaction occurred within the valid usage period of the currency exchange confirmation, whether a request for a currency exchange transaction occurred from a third party other than the valid user of the currency exchange confirmation, or a currency exchange transaction on a device other than the valid device type of the currency exchange confirmation. By determining whether or not a request has occurred, the currency exchange brokerage server 100 may determine whether or not the exchange transaction requested by the device 1 (101) is possible.

If it is determined that the exchange transaction is possible, in step S305, the exchange brokerage server 100 may transmit a result of confirming that the exchange transaction is possible to the exchange service providing server 102. Thereafter, in step S306, the exchange service providing server 102 may account for the exchange amount obtained by combining the first currency included in the exchange confirmation and the standard exchange rate. In practice, the user can obtain foreign currency cash in the second currency corresponding to the exchanged amount at an off-line currency exchange office interworking with the exchange service providing server 101 .

Thereafter, when it is confirmed that the user has received the foreign currency cash corresponding to the exchange amount included in the exchange confirmation letter, in step S307, the exchange service providing server 102 transmits the result that the foreign currency cash transaction is completed to the exchange mediation server ( 100) can be passed on. Then, in step S308, the currency exchange brokerage server 100 may transmit a confirmation request to the device 1 (101) as to whether foreign currency cash has been received. In step 309, the device 1 (101) may transmit a confirmation result of receiving foreign currency cash to the exchange brokerage server 100 in response to the confirmation request. Accordingly, the exchange transaction may be finally terminated.

If the process of receiving foreign currency cash does not proceed within the validity period set in the exchange confirmation, the exchange confirmation may be discarded. Then, as the exchange confirmation is discarded, the online money deducted by the amount exchanged in step S211 in FIG. 2 may be restored to the state before the deduction.

4 is a diagram illustrating an example of requesting an exchange order from a user's device according to a first embodiment of the present invention.

Screens 401 and 402 show results displayed on the display of the user's device 1 (101).

Referring to the screen 401, the user may select an exchange currency and input an exchange amount through the interface. Then, the device 1 (101) may transmit an exchange request including the type of exchange currency input by the user and the exchange amount of the exchange currency to the exchange mediation server 100. The type of exchange currency and the exchange amount included in the exchange request are related to the second currency to be exchanged from the first currency by the user. That is, in FIG. 4 , the first currency means Korean currency (KRW), and the second currency means US currency (US dollar).

When the user inputs the type of the second currency, which is the exchange currency, and the exchange amount, the device 1 (101) receives the expected exchange rate, which is a combination of the expected exchange rate and the exchange amount, from the exchange broker server 100 and displays it on the screen 401. can do. Here, the expected exchange rate may be determined by applying the exchange fee of the exchange brokerage server 100 to the cash selling rate received by the exchange brokerage server 100 from the exchange brokerage service servers 102 in advance. The user may select "apply for currency exchange bid" after checking the expected exchange amount.

Referring to screen 402, a list of a plurality of exchange service providers that have accepted currency exchange bids in response to the currency exchange bid application is displayed. The currency exchange bidding result may display the names of a plurality of currency exchange service providers corresponding to the final notice time and standard exchange rates (cash selling rate or a result of applying a partial fee to the cash selling rate).

In addition, the exchange bidding results are determined by a plurality of exchange service providers based on a specific standard (ex. ascending/descending order of standard exchange rates, order of distance from users, order of user frequency of use, order of credit rating of companies, order of satisfaction of third parties, exchange fees). It can include results sorted according to ascending/descending order of, etc.). In addition, the company displayed in the currency exchange bidding result on the screen 402 may correspond to a currency exchange service provider or a currency exchange office belonging to the currency exchange service provider.

When the user selects a company to actually exchange money from among a plurality of companies included in the exchange bidding result, device 1 101 may transmit a currency exchange order request to the exchange mediation server 100 in step S203.

5 is a diagram illustrating an example of obtaining a currency exchange confirmation from a user's device according to a first embodiment of the present invention.

A screen 501 and a screen 502 shown in FIG. 5 are displayed after the process of FIG. 4 . Screens 501 and 502 show results displayed on the display of device 1 (101) of the user.

Screen 501 requests the user to enter a password for managing online money by the exchange broker server 100 in order to enter into an exchange order in step S210 and deduct online money in step S211 means screen. That is, in screen 501, when a user inputs a password, an exchange order is actually executed, and online money converted from a balance included in the user's account may be deducted by an amount equal to the exchange amount.

Screen 502 shows an example of an exchange confirmation written after the exchange order is concluded. Referring to screen 502, the exchange confirmation is the type of exchange currency (second currency) and the exchange amount, the cost of the first currency derived by combining the exchange amount and the standard exchange rate of the exchange service provider, and the online money subtracted It can include the result (online money balance) and personal information (foreign currency buyer) who can use the exchange confirmation.

Screen 502 is an exchange confirmation for exchanging the first currency, Korean "won", to the second currency, US "dollar". indicates that In addition, the screen 502 displays online money balance of 183,970 won, which is a result of deducting 116,030 won from the user's online money. The name of the currency exchange service provider (company A) is related to the company to which the offline currency exchange office where the user receives foreign currency cash belongs.

Although not displayed on the screen 502, the exchange confirmation may also include an expiration date during which the user can receive foreign currency cash through an off-line currency exchange office or a list of exchange offices.

6 is a flowchart illustrating a process in which a user transfers an exchange confirmation to a recipient of an exchange confirmation according to a second embodiment of the present invention.

The currency exchange confirmation letter means a kind of certificate of right required for the user to receive foreign currency cash equivalent to the amount exchanged directly at an offline currency exchange office. Since this exchange confirmation document is a document in which the exchange amount and exchange currency have already been confirmed, it may be transferable from the user to a third party. That is, when the third party receives the exchange confirmation from the user, the third party may receive foreign currency cash corresponding to the exchange amount described in the exchange confirmation on behalf of the user. According to one embodiment of the present invention, the third party may be a recipient of the currency exchange confirmation with a personal relationship with the user.

In FIG. 6 , the transfer of the exchange confirmation is performed after the device 1 (101) receives the exchange confirmation from the exchange broker server 100 in step 214 of FIG. 2 .

In step S601, the user's device 1 (101) may select an exchange confirmation letter. This means that there is at least one exchange confirmation sent to device 1 (101).

In step S602, the user's device 1 (101) may select a recipient of the exchange confirmation to transfer the exchange confirmation. Here, the recipient of the exchange confirmation to transfer the exchange confirmation may be selected from a list of recipients of the exchange confirmation of the user registered in the exchange mediation server 100 . However, the recipient of the currency exchange confirmation included in the list of recipients of the currency exchange confirmation is either (i) subscribed to the same application or service as the application or service used by the user, (ii) the user entered personal information such as phone number or email, ( iii) It may consist of third parties established as friends in an instant messaging service or a social network service. Alternatively, the recipient of the currency exchange confirmation included in the list of recipients of the currency exchange confirmation refers to a subscriber who has formed a personal relationship with the user among subscribers who have subscribed to the same currency exchange service as the user.

In step S603, the user's device 1 (101) may transmit a transfer request of the currency exchange confirmation to the currency exchange brokerage server 100. Then, in step S604, the exchange brokerage server 100 may transmit a request for receipt of the exchange confirmation to the device 2 105 of the exchange confirmation recipient selected by the user.

To this end, the exchange mediation server 100 may determine whether the exchange confirmation is valid. Specifically. The exchange mediation server 100 may determine whether or not the exchange confirmation recipient to whom the exchange confirmation transfer is to be transferred has a valid relationship (ex. whether the friend selected by the user is actually a friend relationship). In other words, if the recipient of the currency exchange confirmation is terminated from the personal relationship with the user, or if the recipient of the currency exchange confirmation cannot use the currency exchange service (ex. Plus Friend), the preset personal range within which the recipient of the currency exchange confirmation can use the currency exchange service ( ex. family or extremely limited range of friends), the exchange confirmation may be determined to be invalid.

Alternatively, if the time when the transfer request for the exchange confirmation occurs does not fall within the validity period set in the exchange confirmation, or is less than a preset period (ex. 1 week) from the last day of the validity period, the exchange confirmation may be determined to be invalid. .

Alternatively, if the request for transfer of the exchange confirmation is made after the user has already received foreign currency cash through the exchange confirmation, the exchange confirmation may be determined to be invalid. That is, in order for the exchange confirmation to be transferred from the user to the recipient of the exchange confirmation, the user should not receive foreign currency cash at an off-line exchange office using the exchange confirmation.

In step S605, the device 2 105 may transmit a receipt confirmation, which is a result of receiving the exchange confirmation, to the exchange mediation server 100 in response to the receipt request.

In step S606, the exchange mediation server 100 may modify the exchange confirmation. Specifically, the exchange mediation server 100 may change the foreign currency buyer included in the exchange confirmation letter from the user to the exchange confirmation recipient.

In step S607, the exchange mediation server 100 may transmit the transfer result of the exchange confirmation to the user's device 1 (101). Then, in step S608, the exchange brokerage server 100 may transmit the exchange confirmation to the device 2 105 of the exchange confirmation recipient. Subsequently, as described with reference to FIG. 3 , the process of receiving foreign currency cash using the exchange confirmation letter may be equally applied to the device 2 105 of the recipient of the exchange confirmation letter.

7 is a diagram showing an example of transferring an exchange confirmation document according to a second embodiment of the present invention.

On screen 701, a currency exchange confirmation list including a plurality of exchange confirmation documents is displayed on the user's device 1 (101). The user may already place a currency exchange order and receive a plurality of currency exchange confirmations issued to the device 1 (101). Then, the user may select at least one exchange confirmation to be transferred to the recipient of the exchange confirmation from among the plurality of exchange confirmations.

Although not shown in FIG. 7 , device 1 ( 101 ) may provide an interface for selecting a recipient of the exchange confirmation to which the exchange confirmation will be transferred. Then, the user can select a recipient of the exchange confirmation to which the exchange confirmation will be sent using the interface.

The exchange mediation server 100 may ask the recipient of the exchange confirmation to transfer the exchange confirmation selected by the user, and transfer the exchange confirmation if the recipient agrees to the transfer of the exchange confirmation. Also, although not shown in FIG. 7 , in order to transfer the exchange confirmation from the user to the recipient of the exchange confirmation, the exchange broker server 100 may request the user to input a password for online money.

In this case, as shown in the screen 702, the exchange confirmation may be transmitted through an application that is a basis when the user and the recipient of the exchange confirmation form form a personal relationship. For example, if the user and the recipient of the exchange confirmation have a relationship with the recipient of the exchange confirmation in an instant messaging service, the exchange confirmation may be transmitted through a chat window in which the user and the recipient of the exchange confirmation participate. Of course, according to one embodiment of the present invention, the exchange confirmation may be transferred through an application other than an instant messaging service.

When the transfer of the exchange confirmation is completed, the user's online money is deducted by the amount of exchange written on the exchange confirmation, but in reality, the recipient of the exchange confirmation, not the user, may have the right to receive the currency. If, after the exchange confirmation is transferred, if the user wants to receive foreign currency cash with the same exchange confirmation, it is confirmed that the user is not qualified for the exchange transaction with respect to the exchange confirmation in step S304, and the exchange transaction is may be considered impossible. When the exchange confirmation is transferred from the user to the recipient of the exchange confirmation, it may be transferred for a fee or may be transferred free of charge.

8 is a flowchart illustrating a process of performing a reverse exchange service without bidding according to a third embodiment of the present invention.

8 and 9 illustrate reverse exchange service. The reverse exchange service refers to a case of exchanging foreign currency cash in a second currency, such as coins and bills, into a first currency. That is, the reverse exchange service described in FIGS. 8 and 9 means the reverse process of the exchange service described in FIGS. 2 to 5 . 8 illustrates a process in which a reverse exchange service proceeds without bidding when the exchange service providing server 102 connected to the exchange mediation server 100 is designated in advance or there is only one.

In step S801, device 1 (101) may transmit a reverse exchange request to the exchange brokerage server 100. Before applying for reverse exchange, the exchange brokerage server 100 converts the exchange rate information received from the exchange service providing server 102 or the result of the exchange rate fee of the exchange brokerage server 100 reflected in the exchange rate information into the user's device 1 (101) as a standard exchange rate. can be forwarded to Thus, the user's device 1 (101) may provide a reference exchange rate for a reverse exchange request.

If the exchange service as in Example 1 means exchanging the currency of the first country to the currency of the second country, the reverse exchange service means exchanging the currency of the second country to the currency of the first country.

In order to apply for reverse exchange, the user must: (i) transfer coins or banknotes in a currency exchange medium such as bags or envelopes distributed by the exchange service provider within the means of transport, such as airplanes, aircraft, trains, etc. returning from the second country to the first country; After inserting it, recognize the identification code (ex. barcode or QR code) displayed on the bag or envelope, or (ii) exchange obtained in the second country at an unmanned receiver (ex. vending machine), an exchange medium installed by a currency exchange service provider. After inserting coins or banknotes, it is possible to request reverse exchange by recognizing the identification code displayed on the unmanned acceptor or inputting the identification number (eg, phone number) of Device 1 (101) into the unmanned acceptor.

In step S802, the exchange mediation server 100 may generate a reverse exchange application form. The reverse exchange application includes the information of the user who applied for the reverse exchange service (account information, device 1 identification number (ex. phone number)), the exchange amount of the second currency for reverse exchange, the number or type of coins/banknotes, etc. can include

Then, in step 803, the exchange brokerage server 100 may transmit a reverse exchange request to the exchange service providing server 102. If the exchange service providing server 102 agrees to the reverse exchange service in response to the reverse exchange request, in step S804, the exchange service providing server 102 transfers the conclusion result for the reverse exchange service to the exchange mediation server 100. ) can be passed on.

Thereafter, in step S805, the currency exchange intermediary server 100 may transmit a confirmation request to the device 1 (101) as to whether to proceed with the reverse exchange service. If the user determines to proceed with the reverse exchange service, device 1 (101) may transmit a request for confirmation of the reverse exchange service to the exchange brokerage server 100. In step S807, the currency exchange intermediary server 100 may transmit a confirmation request for reverse exchange service to the exchange service providing server 102. If the exchange service providing server 102 confirms the confirmation request for the reverse exchange service, in step S808, the exchange service providing server 102 sends the transaction completion for the reverse exchange service to the exchange mediation server 100. can transmit In the meantime, the exchange service providing server 102 accounts for the exchange amount determined by applying the standard exchange rate to the value of coins or banknotes of the second country, and deposits the exchange amount into an account connected to the exchange mediation server 100. can do.

In step S809, the currency exchange intermediary server 100 updates the online money corresponding to the user's account by the amount of exchange (the currency of the first country) determined through the reverse exchange service based on the completion of the transaction for the reverse exchange service. can do. That is, the user's online money may increase by the amount of exchange determined through the reverse exchange service. In step S810, the currency exchange mediation server 100 may transmit the processing result of the reverse exchange service to the user's device 1 (101).

9 is a flowchart illustrating a process of performing a reverse exchange service through bidding according to a third embodiment of the present invention.

Unlike FIG. 8, FIG. 9 is a process of performing a reverse exchange service by bidding for exchange service providers who want to participate in the reverse exchange service, in which there are a plurality of exchange service providing servers 102 connected to the exchange broker server 100. indicates

In step S901, the user's device 1 (101) may transmit a reverse exchange request to the exchange brokerage server 100. For details on the reverse exchange request, refer to step S801 of FIG. 8 .

Before applying for reverse exchange, the exchange brokerage server 100 converts the exchange rate information received from the exchange service providing server 102 or the result of the exchange rate fee of the exchange brokerage server 100 reflected in the exchange rate information into the user's device 1 (101) as a standard exchange rate. can be forwarded to Thus, the user's device 1 (101) may provide a reference exchange rate for a reverse exchange request.

In step S902, the exchange mediation server 100 may generate a reverse exchange application form. The reverse exchange application includes the information of the user who applied for the reverse exchange service (account information, device 1 identification number (ex. phone number)), the exchange amount of the second currency for reverse exchange, the number or type of coins/banknotes, etc. can include Then, in step S903, the currency exchange mediation server 100 may transmit a bidding request for reverse exchange to the currency exchange service providing server 102.

In step S904 , the currency exchange service providing server 102 may transmit participation in the reverse exchange bidding to the exchange mediation server 100 in response to the reverse exchange bidding request.

In step S905, the exchange mediation server 100 may sort the bidding results of reverse exchange.

In step S906, the exchange mediation server 100 may transmit the reverse exchange bidding result to the user's device 1 (101).

In step S907, the user's device 1 (101) may transmit a reverse exchange order request to the exchange brokerage server 100 in response to the reverse exchange bidding result.

In step S908, the currency exchange intermediary server 100 may perform reverse exchange order execution in response to the reverse exchange order request. In step S909, the currency exchange intermediary server 100 may transmit a confirmation request for reverse exchange service to the exchange service providing server 102. If the exchange service providing server 102 confirms the confirmation request for the reverse exchange service, in step S910, the exchange service providing server 102 sends the transaction completion for the reverse exchange service to the exchange mediation server 100. can transmit In the meantime, the exchange service providing server 102 accounts for the exchange amount determined by applying the standard exchange rate to the value of coins or banknotes of the second country, and deposits the exchange amount into an account connected to the exchange mediation server 100. can do.

And, in step S911, the exchange mediation server 100 may update the online money of the user in response to the exchange amount determined according to the reverse exchange. Specifically, the exchange mediation server 100 may update the online money corresponding to the user's account by the exchange amount (currency of the first country) determined through the reverse exchange service based on the completion of the transaction for the reverse exchange service. . That is, the user's online money may increase by the amount of exchange determined through the reverse exchange service.

In step S912, the currency exchange mediation server 100 may transmit the reverse exchange result to the currency exchange service providing server 102. In addition, in step S913, the exchange mediation server 100 may transmit the reverse exchange result to the user's device 1 (101).

10 is a flowchart showing an example of requesting reverse exchange according to the third embodiment of the present invention.

Screen 1001 shows a process of recognizing an identification code for reverse exchange service. As described in FIG. 8, the present invention can provide a reverse exchange service to the user. If the exchange service means exchanging the currency of the first country to the currency of the second country, the reverse exchange service means exchanging the currency of the second country to the currency of the first country.

In order to apply for reverse exchange, the user must: (i) transfer coins or banknotes in a currency exchange medium such as bags or envelopes distributed by the exchange service provider within the means of transport, such as airplanes, aircraft, trains, etc. returning from the second country to the first country; After inserting it, recognize the identification code (ex. barcode or QR code) displayed on the bag or envelope, or (ii) exchange obtained in the second country at an unmanned receiver (ex. vending machine), an exchange medium installed by a currency exchange service provider. After inserting coins or bills, it is necessary to recognize the identification code displayed on the unmanned acceptor. That is, the screen 1001 shows a process of recognizing an identification code displayed on an exchange medium to apply for reverse exchange.

Screen 1002 shows an example of requesting reverse exchange. To apply for reverse exchange, the user may input a reverse exchange request amount corresponding to the currency of the second country to be exchanged after inserting coins or banknotes, which are the currency of the second country, into an exchange medium. The reverse exchange application amount is determined by combining the number of coins or bills with the value of the coins or bills.

At this time, the expected reverse exchange amount is determined by combining the expected exchange rate with the reverse exchange requested amount. Here, the expected exchange rate may be determined based on exchange rate information transmitted from the exchange service providing server 102 to the exchange mediation server 100 . Specifically, the expected exchange rate means a result of applying a currency exchange brokerage fee set in the exchange brokerage server 100 to the cash purchase rate provided by the exchange service providing server 102 .

11 is a diagram showing an example of a reverse exchange result screen according to a third embodiment of the present invention.

FIG. 11 shows what proceeds after the process of FIG. 10 . The screen 1101 refers to a screen in which the exchange broker server 100 requests the user to input a password for managing online money. That is, in the screen 501, when the user inputs the password, the exchange order is actually executed, and the balance included in the user's account can be updated by increasing the converted online money by the exchange amount.

The screen 1102 shows the result of the conclusion of the reverse exchange service with respect to the exchange service providing server 102 . Specifically, it shows the result of the user's reverse exchange of 5 dollars (coins or banknotes) for US USD, which is the currency of the second country. In this case, the reference exchange rate may be a cash purchase rate applied when the exchange service providing server 102 purchases 5 dollars, which is the currency of the second country, or a brokerage fee applied to the cash purchase rate.

And, the company that purchases the coin, which is the currency of the second country, may be company A (exchange service provider). As shown in FIG. 8 , company A may be a currency exchange service provider that is solely connected to the currency exchange mediation server 100 without a bidding process. Alternatively, company A may be a currency exchange service provider selected by the user through a bidding process among a plurality of currency exchange service providers as shown in FIG. 9 .

In addition, the exchange amount determined through the reverse exchange service may be added to the online money corresponding to the user's account. Thus, online money corresponding to the user's account may be added to the result of the reverse exchange by the amount of exchange and updated. The reverse exchange amount determined through the reverse exchange service may be deposited into the user's account corresponding to the online money from the exchange service providing server 102 on or before the deposit date of the reverse exchange amount.

According to one embodiment of the present invention, it is possible to apply for currency exchange through a user's device regardless of which financial company is transacted based on online money. To this end, a social network service or an instant messaging service may be combined with a currency exchange service.

On the other hand, according to one embodiment of the present invention, foreign currency cash can be exchanged more conveniently by using a currency exchange confirmation letter through which foreign currency cash can be received through an off-line currency exchange office. The currency exchange confirmation can be transferred between users, and the user who has the currency exchange confirmation can receive foreign currency cash by submitting the currency exchange confirmation to the exchange office. The exchange amount described in the exchange confirmation can be settled within the user's online money range.

Such an exchange service may provide an optimal exchange rate to a user by applying a bidding process between exchange service providers. In particular, the currency exchange brokerage server provides a platform for payment of exchange rate information and exchanged amount through online money, and actual receipt of foreign currency cash is made at the exchange office through a currency exchange confirmation letter, so that exchange service providers compete with each other to obtain reasonable prices. to be able to present

On the other hand, in the case of foreign coins or foreign currency, it is difficult to dispose of and store, and it is difficult for users to process due to poor exchange rates. However, according to an embodiment of the present invention, it is possible to convert foreign currency or coins into online money through reverse exchange service. By enabling it, a platform that can be processed more efficiently can be provided.

Methods according to embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the medium may be those specially designed and configured for the present invention or those known and usable to those skilled in computer software.

As described above, although the present invention has been described by the limited embodiments and drawings, the present invention is not limited to the above embodiments, and those skilled in the art in the field to which the present invention belongs can make various modifications and variations from these descriptions. this is possible

Therefore, the scope of the present invention should not be limited to the described embodiments and should not be defined, and should be defined by not only the claims to be described later, but also those equivalent to these claims.

100: Exchange brokerage server
101: device 1 (user)
102-1~102-N: Server providing currency exchange service
103-1~103-N: Exchange office terminal
104: financial server
105: device 2 (recipient of currency exchange confirmation)

Claims (13)

delete delete delete delete delete delete delete delete In the method of providing a currency exchange service performed by a currency exchange brokerage server,
Transmitting a currency exchange confirmation letter, which is the right to receive foreign currency cash through a currency exchange office, to a user's device;
Receiving a request for transfer of currency exchange confirmation from the user's device;
Determining whether the transfer requested exchange confirmation is valid;
If it is determined that the exchange confirmation is valid, transmitting a request for receipt of the exchange confirmation to a device of a recipient of the exchange confirmation;
When the confirmation of receipt of the exchange confirmation is received from the device of the recipient of the exchange confirmation, the foreign currency purchaser of the exchange confirmation is modified, and the user who requested the transfer of the exchange confirmation is an instant that is the basis for forming a personal relationship with the recipient of the exchange confirmation. Sending the exchange confirmation to the recipient's device through the chat window of the messaging service
including,
The step of determining whether the transfer requested exchange confirmation is valid,
In the event that the recipient of the exchange confirmation letter is not in a preset range of individuals who can use the currency exchange service; If the applicable exchange confirmation recipient is not a valid relationship included in the list of currency exchange confirmation recipients, the currency exchange confirmation is determined to be invalid;
The list of recipients of the exchange confirmation is,
Registered in the exchange mediation server, (i) a recipient of an exchange confirmation letter subscribed to the same application or service as the application or service used by the user, (ii) a currency exchange in which the user inputs personal information including a phone number or e-mail. including recipients of confirmations, (iii) recipients of exchange confirmations established as friends on instant messaging services or social networking services;
How to provide currency exchange services. According to claim 9,
The exchange confirmation,
(i) online money balance after deducting the exchange amount required to receive foreign currency cash in the second country resulting from the exchange of the currency of the first country from the online money corresponding to the user's account, and (ii) the balance of the second country A method of providing a currency exchange service that includes a foreign currency buyer capable of accepting foreign currency cash. According to claim 9,
Transmitting a request for receipt of the exchange confirmation to the device of the recipient of the exchange confirmation,
A method for providing a currency exchange service that transmits a request for receipt of the currency exchange confirmation if the currency exchange confirmation is valid. delete In the method of providing a currency exchange service performed by a user's device,
selecting an exchange confirmation to be transferred from among at least one exchange confirmation, which is a right to receive foreign currency cash through a currency exchange office;
selecting a recipient of the exchange confirmation to transfer the selected exchange confirmation from among recipients of the user's exchange confirmation;
transmitting a transfer request of the selected currency exchange confirmation to a currency exchange mediation server;
Receiving a transfer result for the exchange confirmation from the exchange mediation server
including,
The device of the recipient of the exchange confirmation,
In the selected exchange confirmation, the foreign currency buyer receives the modified exchange confirmation from the exchange brokerage server through a chat window of an instant messaging service that is the basis when the user who requested the transfer of the exchange confirmation and the recipient of the exchange confirmation form a personal relationship,
The transfer requested confirmation of exchange,
In the event that the recipient of the exchange confirmation letter is not in a preset range of individuals who can use the currency exchange service; If the recipient of the exchange confirmation is not a valid relationship included in the list of recipients of the currency exchange confirmation, it is determined to be invalid;
The list of recipients of the exchange confirmation is,
Registered in the exchange mediation server, (i) a recipient of an exchange confirmation letter subscribed to the same application or service as the application or service used by the user, (ii) a currency exchange in which the user inputs personal information including a phone number or e-mail. including recipients of confirmations, (iii) recipients of exchange confirmations established as friends on instant messaging services or social networking services;
How to provide currency exchange services.

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