KR20010044710A - Method for ordering money exchange via internet - Google Patents

Abstract

PURPOSE: A money exchange method using the internet network is provided to enable a customer to obtain profit from money exchange by providing integrated information of exchange rate classified by banks and location of the banks to the customer. CONSTITUTION: A computer terminal(10) of a customer accesses a money exchange server(40) to obtain information of exchange rate and banks. The money exchange server(40) receives information of exchange rate from a number bank servers(20) and transmits received various information of exchange rate from each bank servers(20) to the computer terminal(10). The customer selects one of banks and requests for money exchange to the selected bank. The bank server(20) provides an application form for money exchange via the money exchange server(40) to the terminal(10). The customer inputs order information for money exchange onto the form and transmits the form to the money exchange server(40). The money exchange server(40) transmits information of order reservation according to order information for money exchange to the bank server(20) and the terminal(10). The customer visits the selected bank according to the information of order reservation and executes money exchange.

Description

Currency exchange using the internet network {METHOD FOR ORDERING MONEY EXCHANGE VIA INTERNET}

The present invention relates to a method of exchanging money using an internet network, and more specifically, to compare exchange rates in real time for each bank through an internet network, and then immediately order currency exchange and then visit the bank to exchange money. It relates to a currency exchange method.

In order to exchange foreign exchange, it is necessary to go directly to the bank with a personal bank account or corporate bank account or currency and exchange necessary foreign exchange as necessary.

Recently, the online exchange service developed by the direct exchange method at the bank is being implemented. However, the online exchange is for customers who have a domestic account and a foreign exchange account in the same bank. It is only. If foreign exchange reserves are small, for example, less than $ 100, it is known that many foreign customers do not have to exchange money and make a foreign currency account.

In general, currency exchange transactions in which foreign currency is exchanged for won or foreign currency are made through the foreign exchange handling banks by adding the daily foreign exchange standard rate announced by the Financial Services Agency's fund relay room and the exchange fee imposed on it. This is the price plus exchange fee, and the selling price of foreign currency is the price that limits the exchange fee at the exchange rate. Indeed, as foreign exchange handling banks operating a foreign exchange business have different exchange rates imposed on the foreign exchange standard, the exchanges are exchanged at different exchange purchase prices and exchange rates.

Therefore, customers need to understand exchange rate fluctuations in real time for each bank and exchange money in real time at the bank with the lowest exchange fee.However, by comparing the exchange rate information of all banks, an exchange order is immediately made. There is no means yet.

The present invention was devised to solve the above problems, and provides real-time comprehensive exchange rate information that can compare foreign exchange sales and purchases of a number of foreign exchange handling banks, and the customer compares the exchange rate information of these banks The objective is to provide a way to select an advantageous bank and place an order for currency exchange immediately.

In addition, by selecting a bank branch to visit for the exchange itself, the customer can find a bank located in the short distance, the purpose is to reduce the time required to visit the bank for currency exchange and increase convenience.

It is also an object of the present invention to induce a currency exchange by providing a convenient currency ordering method for a small currency exchange customer who is reluctant to exchange money due to cumbersome procedures.

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a diagram schematically showing the configuration of an exchange order system through an internet network of the present invention.

2 is a block diagram functionally showing the configuration of the exchange server of FIG.

3 is a flowchart illustrating operation of a system in accordance with the present invention.

4 is a view showing a form of a web page for providing foreign currency sell rate exchange information according to an embodiment of the present invention.

5, 6 and 7 show an order form for placing a foreign currency order.

8 is a view showing an order book provided when the order is completed.

9 is a view showing a form of a web page for providing foreign currency purchase exchange rate information according to another embodiment of the present invention.

10 shows an order form for placing foreign currency purchase orders.

<Description of Main Reference Signs in Drawings>

10: customer terminal 20: bank server

30: Internet network 40: Currency exchange server

42: control unit 44a: presentation module

44b: exchange rate processing module 44c: order creation module

44d: network interface 46a: member information DB

46b: Exchange rate DB 46c: Bank information DB

46d: Order Information DB

In order to achieve the above object, a currency exchange method through the Internet network according to the present invention, in a currency exchange method using a currency exchange order system consisting of a customer terminal, a currency exchange server, a plurality of bank servers and a network connecting them, (a Receiving exchange rate information from the plurality of bank servers to an exchange server; (b) providing the received plurality of exchange rate information to the customer terminal for each bank; (c) a customer selecting one of the plurality of banks and requesting an exchange order; (d) providing an exchange order application form for the selected bank to the customer terminal from the exchange server; (e) the customer inputs the exchange order information in the order application form and sends it to the exchange server; (f) transmitting order reservation information to the customer terminal and the bank according to the exchange order information; And (g) exchanging money by visiting the selected bank according to the order reservation information.

Preferably, the present invention, the step of providing an order confirmation for confirming the contents of the exchange order information input in the step (e) from the exchange server to the customer terminal; And when the customer confirms the order confirmation, the exchange server transmits the final order reservation to the customer terminal and the selected bank after receiving the order.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the specification and claims should not be construed as having a conventional or dictionary meaning, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

Figure 1 shows a schematic configuration of a currency exchange order system via the Internet according to a preferred embodiment of the present invention. Referring to the drawings, the system of the present invention includes a plurality of customer terminals 10, a plurality of bank servers 20, a currency exchange server 40, and an internet network 30 interconnecting them.

The customer terminal 10 is connected to the exchange server 40 through the Internet network 30, the exchange server 40 provides the exchange rate information received from the bank server 20 to the customer terminal 10 Accept and process exchange orders. The exchange server 40 transmits an order reservation form, which is a certificate proving that the exchange order is normally made, to the terminal 10, and the customer can exchange the foreign currency by visiting the bank after printing and bringing the order reservation. have.

Here, the bank server 20 is a server provided in a plurality of foreign exchange handling banks that are affiliated with a currency exchange service company, and provides exchange rate information of the bank to the exchange server 40 in real time. In the present exemplary embodiment, the exchange server 40 and the bank server 20 are connected to each other by the Internet network 30, but the present invention is not limited thereto, but may be connected through a separate dedicated network. Defined as

An example of a more detailed configuration of the exchange server 40 is shown in FIG. Referring to the drawings, the exchange server 40 includes a presentation module 44a, an exchange rate processing module 44b, an order form module 44c, a network interface 44d, etc., together with a control unit 42 that controls the operation of each unit. It includes.

The presentation module 44a provides a basic service screen in the form of a web page to the customer terminal 10 connected to receive the service of the present invention, and manages membership registration and login of the customer.

The exchange rate processing module 44b updates and stores exchange rate information received from the bank server 20 of the foreign exchange dealing bank in a DB, and calculates the won amount according to the exchange rate information.

The order form module 44c provides an order form form for a customer to exchange orders, and stores the input order information in a DB. In addition, it serves to transmit the information related to the order book that the order is completed normally to the customer terminal 10 and the bank server 20.

The network interface 44d is a concept including a modem, which allows data to be transmitted and received by a specific protocol such as TCP / IP, IPX, NetBEUI, etc., and the customer terminal 10 exchanges a server through an internet network 30 ( To 40).

In the specification and drawings of the present invention, the presentation module, the exchange rate processing module, the order creation module, etc. are shown as separate independent hardware, but this shows a functional division according to a role and therefore belongs to the technical field of the present invention. Those skilled in the art will understand that the presentation module, the exchange rate processing module, and the order creation module are used to encompass the interaction of the application and the hardware.

On the other hand, the currency exchange server 40 also works in conjunction with various types of database, the basic database is a member information DB (46a), exchange rate information DB (46b), bank information DB (46c), order information DB (46d) Etc.

The member information DB 46a stores basic customer information such as name, resident registration number, address, etc., and the exchange rate information DB 46b includes exchange rate information such as selling and buying price of foreign currency, which is provided for each foreign exchange handling bank, along with a selling standard rate. The bank information DB 46c stores the detailed information for each bank branch to select a bank branch for the customer to exchange. The order information DB 46d stores the detailed information for each bank branch. The various forms required and all the orders entered accordingly are saved.

Then, the method of exchange through the Internet network according to the present invention having the configuration as described above will be described with reference to FIG.

First, a customer who wants to exchange money is connected to an exchange server 40 that provides a currency exchange service through the customer terminal 10. At this time, the customer enters his or her ID, password, etc., the login process or, if the new member can go through the registration process, the information is stored in the member information DB (46a). Since this process is a conventional connection method, it will not be described in detail.

When the connection of the customer is completed, the presentation module 44a of the exchange server 40 provides the customer terminal 10 with an initial screen (not shown) including various menus. The menu includes a foreign currency sell button and a foreign currency buy button, and the customer selects a desired service.

<Sold foreign currency>

Let's take a look at the case where the customer chooses to sell foreign currency. When the customer clicks the foreign currency selling button 420 to sell the foreign currency, the presentation module 44a operates to transfer the foreign currency selling exchange rate information stored in the exchange rate information DB 46b to the table 430 as shown in FIG. Provided to the customer terminal 10 (step S100).

As described above, the exchange rate information is composed of exchange rate information received from the bank server 20 of the foreign exchange dealing bank, for example, foreign currency selling and foreign currency purchasing price according to a trading standard rate and an exchange fee. The exchange rate processing module 44b of the exchange server 40 updates the exchange rate information in real time to the exchange rate information BD 46b and stores it in the presentation module 44a and displays it on the customer terminal 10. Be sure to The exchange rate information transmission from the bank server 20 to the customer terminal 10 may be performed at regular intervals or whenever the exchange rate information is changed.

In this state, the customer can select the foreign exchange handling bank that presents the most favorable trade terms by comparing the exchange rate information of the multiple foreign exchange handling banks displayed on the customer terminal, thereby improving the profitability of the exchange through more accurate exchange rate information. It can be secured.

In addition, a currency selection list 410 hyperlinked to the exchange rate information web page of the corresponding currency may be further provided so that the customer may select a currency for each country together with the foreign currency selling exchange rate information.

Subsequently, the customer selects a bank that presents the highest foreign currency selling among the provided exchange rate information for each bank, and requests an exchange order by clicking the order button 416 (step S110).

In response, the order writing module 44c of the exchange server 40 provides the customer terminal 10 with the order application 500 as shown in FIG. 5, for example. The order application 500 preferably includes a foreign currency type selected by the customer, a holding form, a foreign currency amount to be exchanged, a payment method, customer information, and the like.

In response to this, when the customer inputs a foreign currency amount to be sold in the foreign currency amount input window 510 and clicks the confirmation button 520, the order writing module 44c stores the corresponding order information in the order information DB 46d. The order confirmation 600 as shown in FIG. 6 is provided to the customer terminal 10 (step S120).

The order confirmation 600 serves to allow the customer to confirm the order information entered in the above-described steps once again. Preferably, the order confirmation 600 may request input of additional order additional information (step S130). According to the present invention, a customer ordering a currency exchange can select a branch of a bank that he or she wants to exchange, not a designated bank. Therefore, the selection of the bank branch can be made by inputting the order additional information. That is, the customer enters a bank name and a corresponding branch in the bank branch input box for currency exchange, or preferably, clicks a branch finder button 610 to select a bank branch. Then, the bank branch finding popup window 700 as shown in FIG. 7 is displayed. The information about the bank branch is stored in the bank information DB 46c, so that the customer can select a desired bank branch using the bank branch category sequentially stratified.

After the input of the order additional information as described above, click the Finish button 620, the exchange order of the customer is completed. Preferably, the present invention includes a means for providing a message requesting the user to click the completion button 620 within a predetermined time in order to exchange currency at a foreign exchange rate at the time selected by the customer in consideration of the fluctuating exchange rate. Can be. For example, such means may be implemented in the form of encouraging the customer's order request, such as "receive the exchange rate only after pressing the completion button within 3 minutes after the exchange rate determination," as shown at the bottom of the confirmation letter 630 of FIG. Can be.

When the customer clicks the exchange order completion button 620 as described above, the order writing module 44c labels the index data such as the order number and the order date and time in the order information input by the customer and then displays the order information DB 46d. ). At the same time, the order creation module 44c creates an order reservation 800 consisting of the order information as shown in FIG. 8 to the server 20 of the customer terminal 10 and the corresponding foreign exchange handling bank selected by the customer. Transmit (step S140).

The order book 800 serves as a reservation book containing necessary information for the customer to exchange money at the bank as well as finally confirming that the exchange order was successfully made, and the bank has an exchange order. It serves as a notification notice. That is, the information of the order book 800 will be sent to the bank of the branch where the customer finally selected to exchange through the bank server 20.

Then, the person in charge of the bank branch can know that the customer will exchange money at the branch, thus preparing for the exchange.

In the present embodiment, both the customer terminal 10 and the bank server 20 has been described as accepting an order reservation, but is not limited to this, and transmits the reservation to the customer to meet the purpose and order reservation information to the bank server It should be understood that each may be transmitted.

After the above procedure, the customer clicks the print button (820) to print the order reservation 800 or obtain information such as the order number to visit the bank branch to check and exchange money as the reservation order (Step S150). At this time, it may be possible to perform a separate procedure to verify the true identity.

In the present embodiment, it has been described as inputting the order additional information after providing the order confirmation, but not limited to this, the input of the order additional information may be performed at the same time when the initial order application form. In this case, after filling out the order form, it is transmitted, and then the order confirmation 600 as shown in FIG. 6 provided by the exchange server 40 to the customer terminal 10 has only a function of substantially confirming the order. will be. Therefore, when the customer clicks the completion button 620 confirming the order confirmation 600, the exchange server 40 will create and send the order reservation 800 as described above.

<Buying foreign currency>

The process of the customer buying foreign currency is also the same as the foreign currency selling procedure described above, except that the foreign currency purchase is made only by the foreign currency purchase exchange rate information stored in the exchange rate information DB 46b.

Thus, the screen 910 for providing exchange rate information, for example, as shown in Figure 9, displays the current foreign currency purchase price plus the exchange fee to the exchange rate of the foreign exchange standard, the customer to the customer of the bank that presents the lowest price The foreign currency purchase is determined and the order request is made by clicking the order button 915. Reference numeral 920 denotes a currency selection button having the same configuration and function as reference numeral 410 of FIG.

As shown in FIG. 10, the order application form for foreign currency purchase may also require input of necessary information, such as order purpose 940, together with the foreign currency amount input field 950.

The present invention provides a comprehensive exchange rate information on the foreign exchange selling and purchase price of a number of foreign exchange handling banks in real time to quickly secure profitability for exchange by selecting foreign exchange handling banks that compare with each other and suggest the best trading conditions. . In addition, the customer can select a bank branch to visit for the exchange itself, so that you can easily exchange money to find a bank located at a short distance. Furthermore, this effect of the present invention has the advantage of inducing the exchange of small money customers who are reluctant to exchange money due to cumbersome procedures.

Claims (6)

In a currency exchange method using a currency exchange order system consisting of a customer terminal, a currency exchange server, a plurality of bank servers and a network interconnecting them, (a) receiving exchange rate information from the plurality of bank servers to an exchange server; (b) providing the received plurality of exchange rate information to the customer terminal for each bank; (c) a customer selecting one of the plurality of banks and requesting an exchange order; (d) providing an exchange order application form for the selected bank to the customer terminal from the exchange server; (e) the customer inputs the exchange order information in the order application form and sends it to the exchange server; (f) transmitting order reservation information to the customer terminal and the bank according to the exchange order information; And (g) a customer exchanging money by visiting the selected bank according to the order reservation information. The method of claim 1, Providing an order confirmation for confirming the contents of the exchange order information input in the step (e) from the exchange server to the customer terminal; And And when the customer confirms the order confirmation, the exchange server transmits the final order reservation to the customer terminal and the selected bank after receiving the order. The method of claim 2, wherein the customer, And converting a branch of the selected bank from the order confirmation. The method of claim 2, wherein step (g) Printing the order book; And Exchanging money according to the printed order book by visiting the selected bank. The method of claim 2, wherein the order book includes an order number and order date and time information. The method of claim 2, wherein in step (b), foreign currency selling exchange rate information and foreign currency buying exchange rate information are provided separately.