KR20000030461A - Automatic accunting system of exchange rate based upon transfer of electronic money - Google Patents

Abstract

PURPOSE: A system for automatically adjusting exchange rate based on electronic money transfer is provided to perform a stable shopping by performing a settlement as an ID of a consumer using an electronic money of the consumer when buying a product in foreign countries. CONSTITUTION: A domestic member store(9) receives the order of a domestic product from a domestic consumer(1) or a foreign consumer(2), and transmits the ordered product. A foreign member store(10) receives the order of a foreign product from the domestic consumer(1) or the foreign consumer(2), and transmits the ordered product. A cash domestic main office(11) is connected to the domestic store(9) and the domestic consumer(1), and manages a domestic paying settlement service. A cash foreign branch office(12) is connected to the foreign member store(10) and the foreign consumer(2) to manage a foreign paying settlement service, and is connected to the cash domestic main office(11) to perform a money adjustment and a set off.

Description

Automatic accunting system of exchange rate based upon transfer of electronic money}

The present invention relates to an automatic exchange rate settlement system based on electronic money transfer, and in particular, when a consumer purchases a product from abroad, the user can make a safe shopping by paying only his / her ID using a consumer's electronic money amount. By applying exchange rates to make payments, consumers and sellers must present clear prices.

In general, international Internet payments and conventional payment methods are mainly used credit card and overseas account transfer.

When domestic device costs are used to purchase products and services at overseas retailers, the payment is usually made by a credit card payment or an overseas bank transfer.

In other words, when a consumer selects a credit card on the Internet payment page and specifies a credit card number and an expiration date and pays, the overseas retailer presents the customer's card number information to the credit card company to charge the sales amount. Payment was made.

Or check the account number of the overseas retailer, the payment was made by direct remittance from the domestic to overseas.

Among these methods of the related art, payment using a credit card is used as the only method of overseas payment, and the overseas bank transfer remittance method is used to be limited to a product having a high unit price.

However, in the case of payment by credit card, consumer damage is expected to be caused by the exposure of credit card information, and it is very difficult for consumers to respond appropriately due to language and region limitations.

Moreover, in the case of transactions between countries to which the rate of change is applied, consumers are confused by the difference between the price at the time of purchase and the exchange rate at the time of billing.

The present invention is to solve such a conventional drawback, the object of the present invention is to make a safe shopping by paying only the user's ID as much as the desired amount by using the electronic amount of the consumer when purchasing a product abroad, By making the payment by applying the exchange rate at the time of purchase to present a clear price to consumers and sellers.

1 is a view showing the configuration of the electronic wallet amount transfer of the present invention

2 is a view showing an electronic wallet program of the present invention.

3 is a diagram illustrating a payment settlement flow when moving an international product or service according to the present invention.

<Explanation of symbols on main parts of the drawing>

1: Domestic Consumer 2: Overseas Consumer

3: yen cash payment server 4: electronic wallet program

5: Electronic wallet amount display unit 6: Currency exchange automatic change unit

7: Usage history inquiry department 8: Shopping information guidance department

9: Domestic Merchant 10: Overseas Merchant

11: Ncash domestic headquarters 12: Ncash overseas branches

Hereinafter, with reference to the accompanying drawings an embodiment of the present invention will be described.

Figure 1 is a block diagram of the present invention, using a credit card or bank account to check the amount of the domestic consumer (1) and foreign consumers (2) and the transferred amount to the cash transfer payment server to display the electronic money transfer It consists of an Ncash payment server 3.

Figure 2 shows the yen cash electronic wallet program (4) of the present invention, the electronic value display unit 5 for displaying the amount of money, the exchange rate automatic change unit (6) for displaying the exchange rate change, and the amount of usage history can be inquired It is composed of a usage history inquiry unit 7 and a shopping information guide unit 8 that provides shopping information in real time.

3 is a flow chart of payment for international goods and services of the present invention, wherein a domestic product is ordered from a domestic consumer (1) or a foreign consumer (2) and delivers it to a domestic merchant (9) and overseas Overseas merchants (10) that receive and deliver products from domestic consumers (1) or overseas consumers (2), and domestic merchants (9) and domestic consumers (1) to manage the domestic payment and settlement services NCA is connected to the domestic headquarters (11), overseas franchisees (10) and overseas consumers (2) in charge of overseas payment and settlement services, and also connected to the Ncash domestic headquarters (11) to perform the settlement and offsetting It is composed of Ncash overseas branches (12).

Hereinafter, described in detail with reference to the accompanying drawings the operation of the present invention.

First, the present invention can always and simply purchase a product on a web site with an en mark.

You do not need to purchase or use any special programs or machines to use these caches, nor do you need to download any software.

In the present invention, the electronic wallet program 4 is always driven at the top of the N-cache main screen.

Domestic consumers (1) and overseas consumers (2) can check in real time the amount of money transfer when purchasing the goods of the merchant in the electronic wallet amount display unit (5), and use history inquiry section of the Encash electronic wallet (7) You can check the usage history through).

For example, if the current exchange rate is US $ 1 = $ 1000 and the base exchange rate is won (yuan), a case where a domestic consumer (1) wants to shop at a shopping mall in the United States.

First, when the domestic consumer 1 transfers an amount of 10,000 won to the yen cash payment server 3 through a credit card and an account transfer, the money is transferred through the yen cash electronic wallet amount display unit 5 as shown in FIG. 2. The amount $ 10,000 is displayed.

At this time, the base currency is the won (￦) because the currency of the country to which the domestic consumer (1) transfers becomes the base currency.

The electronic wallet program 4 is continuously displayed at the top of the screen when the domestic consumer 1 moves to the site of the Encash US affiliate.

If a domestic consumer (1) goes to the site of an Encash US merchant and purchases a product of US $ 3.00, the domestic consumer (1) first changes the exchange rate automatic change unit (6) of the encash electronic wallet from $ to $ Accordingly, $ 10,000 of the electronic wallet amount display part 5 is changed to US $ 10.

Therefore, when the domestic consumer 1 selects US $ 3.00, which is the payment amount of the corresponding site, the US $ 7.00, which is the amount after the settlement is completed and deducted through the electronic wallet amount display unit 5, is displayed. .

If a domestic consumer (1) wants to purchase a product at a domestic affiliate store again, select the exchange rate automatic change unit (6) again and change the US $ to ￦ so that US $ 7.00 is changed to 7,000, so the domestic merchant ( It is useful for shopping in 9).

Here, the exchange rate at the time of change of the amount is applied to the real time variable exchange rate, but the amount of the base exchange ($) itself is not affected by the change in the exchange rate.

That is, as a result, when a domestic consumer (1) is shopping overseas using the Encash electronic money transfer service and pays with an overseas amount (dollar), the overseas affiliate store (10) opens the Encash overseas branch (12). Received through the settlement, and also the cashier overseas branch 12 is settled by the yencache domestic headquarters 11 is to complete all the services.

In the present invention, the domestic consumer 1 as well as the overseas consumer 2 can also perform the service by the same principle as the domestic consumer (1).

As described above, the present invention is a system that enables consumers to shop safely with only an individual's ID at domestic and overseas affiliated stores through a single transfer, and consumers can feel free to select a reference currency. At the time of purchase, the point of purchase and the point of claim are applied in the same way, which is effective in relieving the anxiety caused by the exchange rate change.

Claims (3)

Domestic merchants who order domestic products from domestic or overseas consumers and deliver them; Overseas merchants that receive orders from domestic consumers or overseas consumers and deliver them, NCAP domestic headquarters that manages domestic payment and settlement services in connection with domestic merchants and domestic consumers, It is composed of the Encash Overseas Branch, which is connected with the Overseas Merchants and Overseas Consumers, and is in charge of Overseas Payment and Payment Services, and is connected with the Encache Domestic Headquarters to perform settlement and offsetting At the top of the main screen of the yen cash, the electronic money transfer system based on the electronic money transfer, characterized in that the electronic wallet program that can determine whether the transfer of money in real time is driven. 2. The automatic exchange rate settlement system based on the electronic money transfer according to claim 1, wherein after the money transfer, shopping is performed only with the member ID and payment is settled. According to claim 1, The N-cash electronic wallet program, Electronic amount display unit for displaying the amount of money, An exchange rate automatic change unit for displaying an exchange rate change, Usage history inquiry unit that can query the amount of usage history, Exchange rate automatic payment system based on the electronic money transfer, characterized in that it comprises a shopping information guide that provides shopping information in real time.