KR20070055028A - System and method for processing money changing by using credit card, server for processing money changing and recording medium - Google Patents

Abstract

The present invention relates to a currency exchange processing method and system using a credit card, a currency exchange processing server, and a recording medium therefor, wherein a client who wants to apply for a currency exchange accesses an online bank server (or a credit card company server). When the exchange processing request using the owned credit card, the bank server and the credit card company server interlocks to perform the exchange processing with the client's credit card, the exchange processing method for this, the exchange processing request client Accessing a credit card company server (or a server associated with a credit card company), authenticating the validity of the client and / or the client owned credit card in a predetermined authentication means, and from the client in a predetermined information receiving means. Exchange request information (e.g. currency information, currency exchange information) Etc.), a step of confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange information requesting information by predetermined information checking means, and the exchange rate information confirmed by the predetermined information calculating means. Calculating the amount of money information to be withdrawn through the credit card for the exchange process, and providing the calculated amount of credit card withdrawal information to the client based on a predetermined information providing means; Requests a currency exchange processing using the credit card, the client information and / or currency exchange processing information is provided from a predetermined information transmission means to a currency exchange server (or a bank server) on a communication network, and the predetermined currency exchange settlement means After withdrawing the money for the currency exchange from the credit card, the currency exchange server (or bank server) in conjunction with the exchange Performing the settlement process for the pre-processing and transmitting the currency exchange history (or receipt) to the client and / or the client-owned wireless terminal from the information transmission means provided in the server or the exchange server (or bank server). Characterized in that comprises a step.

Credit Card, Currency Exchange

Description

System and Method for Processing Money Changing by Using Credit Card, Server for Processing Money Changing and Recording Medium}

1 is a view showing an embodiment configuration for a currency exchange processing system using a credit card according to a preferred embodiment of the present invention.

2 is a view showing a preferred implementation method for the exchange process using a credit card according to the present invention.

3 is a diagram illustrating a process of applying a predetermined exchange preferential service in the exchange process using the credit card of Figure 2 according to the present invention.

4 is a diagram illustrating a process of providing the exchanged money amount to another client after the currency exchange process using the credit card of FIG. 2 according to the present invention.

5 is a diagram illustrating a screen in which exchange information is received at a wireless terminal according to the present invention.

6 is a diagram showing an embodiment of a currency exchange processing system using a credit card according to another preferred embodiment of the present invention.

7A and 7B are diagrams illustrating a currency exchange process using a credit card according to another exemplary embodiment of the present invention.

8 is a diagram showing an embodiment of a currency exchange processing system using a credit card according to another preferred embodiment of the present invention.

9 is a diagram illustrating a currency exchange process using a credit card according to another embodiment of the present invention.

10 is a diagram illustrating a process in which a predetermined fee is applied in a currency exchange process using a credit card according to the present invention.

11A and 11B illustrate a currency exchange process using a credit card according to an exemplary embodiment of the present invention.

12 is an exemplary view of the exchange processing request information provided from the client during the exchange process using a credit card according to the present invention.

13 is a diagram illustrating a schematic configuration of a currency exchange processing system using a credit card in a mobile environment according to an embodiment of the present invention.

14 is a diagram showing the functional configuration of a preferred server according to an embodiment of the present invention.

15 is a diagram illustrating a functional configuration of a wireless terminal according to an embodiment of the present invention.

16 is a simple flowchart of a currency exchange request process using a credit card in a wireless environment according to an embodiment of the present invention.

17 is an exemplary view of a mobile exchange request wireless terminal screen according to a preferred embodiment of the present invention.

18 is a simple flowchart illustrating a process of requesting a currency exchange using a credit card in a wireless environment according to another embodiment of the present invention.

19 is a view illustrating a mobile exchange request wireless terminal screen according to another embodiment of the present invention.

20 is a view showing a schematic configuration of a currency exchange processing system according to an embodiment of the present invention.

21 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

22 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

23 is a view showing a schematic configuration of a currency exchange processing system according to another embodiment of the present invention.

24 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

25 is a simplified diagram of an information storage medium according to a preferred embodiment of the present invention.

26 is a view showing a schematic configuration of a preferred currency exchange application and exchange amount payment system according to the present invention.

Fig. 27 is a diagram showing the functional configuration of the IC card according to the preferred embodiment of the present invention.

28 is a simple flowchart of a currency exchange application process according to a preferred embodiment of the present invention.

29 is a simple flowchart of a currency exchange payment process according to a preferred embodiment of the present invention.

30 is a view showing the functional configuration of a wireless terminal according to a preferred embodiment of the present invention.

Figure 31 is a simple flow chart of the exchange application and exchange amount payment process according to another preferred method according to the present invention.

32 is a diagram illustrating a schematic configuration of a currency exchange application and a currency exchange payment system according to another embodiment of the present invention.

33 is a simple flowchart of a currency exchange application process according to another preferred embodiment of the present invention.

Fig. 34 is a simple flowchart of a currency exchange payment process according to another preferred embodiment of the present invention.

<Description of main parts of drawing>

100: credit card company server 105: authentication means

110: information receiving means 115: information checking means

120: information calculating means 125: information providing means

130: currency exchange settlement settlement means 135: information transmission means

140: Client 145: Exchange server (or bank server)

150: receiving means 155: currency exchange processing means

160: history confirmation means 165: deposit / remittance processing means

170: judgment means

The present invention relates to a currency exchange processing method and system using a credit card online, a currency exchange server and a recording medium therefor.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

In addition, it was common to carry out currency exchange by using a cash / debit card linked to a customer's deposit account when visiting a bank and exchanging money, and not by using the amount deposited in the customer's deposit account. Since there is no exchange processing by credit sales with collateral, there is a problem that it is not possible to process the exchange if there is no cash (including cash deposited in the account) at the time of exchange.

In addition, if you do not have a cash or cash holding account and need to exchange money, you can receive cash service with a credit card to exchange money, or if the cash service limit is exceeded, secure cash through a card can, etc. These card cans act as anxiety factor in the credit society, and can cause various social problems.

An object of the present invention is derived to solve the above problems, when the exchange request processing client accesses the credit card company server (or server associated with the credit card company), the validity of the client and / or the client owned credit card Authentication means for authenticating the transaction, information receiving means for receiving predetermined currency exchange processing request information (e.g. currency exchange information, currency exchange amount information, and the like) from the client, and the currency exchange processing request information based on the currency exchange processing request information. Information checking means for confirming exchange rate information between currencies, information calculating means for calculating amount information to be withdrawn through the credit card for the exchange processing based on the confirmed exchange rate information, and the calculated credit card withdrawal; Information providing means for providing money information to the client, and the client using the credit card When requesting the exchange processing, withdraw the amount for the exchange processing from the information transfer means for providing the client information and / or exchange processing information to the exchange server (or bank server) on the communication network and the credit card, and then the exchange In connection with a server (or a bank server) provides a currency exchange processing system using a credit card including a currency exchange settlement means for performing the settlement processing for the currency exchange processing and a currency exchange processing method therefor.

In addition, an object of the present invention is to provide an authentication means for authenticating the validity of the client when the exchange processing request client is connected to an exchange server (or a bank server), predetermined currency exchange request information (exchange target currency information, Information receiving means for receiving exchange money amount information) and credit card information for the currency exchange processing; information checking means for confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information; Information calculating means for calculating the amount of money information to be withdrawn through the credit card for the exchange processing based on the confirmed exchange rate information, information providing means for providing the calculated credit card withdrawal amount information to the client; When the client requests to perform currency exchange processing using the credit card, the client corresponds to the credit card. A channel connection means for connecting a channel between servers, and when the client requests a credit card withdrawal for the currency exchange processing from a server corresponding to the credit card, and withdraws the credit card from the server corresponding to the credit card, The present invention provides a currency exchange processing system using a credit card including a currency exchange settlement settlement means for performing settlement processing for the currency exchange process in connection with a server corresponding to a credit card, and a currency exchange processing method therefor.

According to an aspect of the present invention, there is provided a currency exchange processing method using a credit card. Authenticating the validity of the client-owned credit card; Receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) from the client in a predetermined information receiving unit; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; When the client requests the exchange processing to be executed using the credit card, the client information and / or currency exchange processing information is provided from a predetermined information transmission means to a currency exchange server (or a bank server) on a communication network, and the predetermined currency exchange settlement means Withdrawing the amount for the currency exchange processing from the credit card, and performing settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server); And transmitting the exchange processing history (or receipt) to the client and / or the client-owned wireless terminal by the information transmitting means provided in the server or the exchange server (or the bank server). .

According to the present invention, there is provided a currency exchange processing method using the credit card, the exchange server (or bank server) performing the exchange processing based on the exchange processing information; And depositing or remitting the exchanged money into a predetermined account at the currency exchange server (or a bank server).

According to the present invention, the method of processing a currency exchange using the credit card, the currency exchange server (or bank server) checking the exchange history (or receipt) provided by the client; And determining, by the currency exchange server (or bank server), whether to provide money corresponding to the currency exchange process to the client according to the confirmation result.

According to the present invention, the currency exchange processing method using the credit card, characterized in that it further comprises the step of confirming whether or not withdrawal of the amount for the currency exchange processing using the credit card in a predetermined information checking means.

According to the present invention, the method of processing a currency exchange using the credit card further comprises the step of confirming a password of the credit card provided by the client in a predetermined information checking means.

According to the method of the present invention, the step of performing the settlement processing for the currency exchange processing, the client-owned account or the credit card (or the amount for the currency exchange processing withdrawn from the credit card in the currency exchange processing settlement means; And transferring to a predetermined virtual account generated in correspondence with the client).

According to the present invention, the currency exchange request information and / or currency exchange processing information includes currency type and currency exchange amount information, currency exchange bank information, currency exchange withdrawal target bank branch information, currency exchange date information, and credit information. Client-owned account information for card deposit amount deposit processing, selection information of the type of exchange preferential service, account information of the account to which the exchange amount is transferred, financial institution information and / or account corresponding to the account to which the exchange amount is transferred And at least one owner information.

On the other hand, a method for processing a currency exchange using a credit card according to the present invention comprises the steps of: authenticating the validity of the client in a predetermined authentication means when the exchange processing request client accesses a currency exchange server (or a bank server); Receiving, at a predetermined information receiving means, predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; Connecting a channel between the client and a server corresponding to the credit card by a predetermined channel connection means when the client requests the exchange processing using the credit card; Requesting a credit card withdrawal for the currency exchange process from the client to the server corresponding to the credit card; Performing settlement processing for the currency exchange processing in association with a server corresponding to the credit card in a predetermined currency exchange settlement means; And transmitting the exchange processing details (or receipts) to the client and / or the client-owned wireless terminal from information transfer means provided in the exchange server (or bank server) or a server corresponding to the credit card. Characterized in that made.

Wherein the exchange server (or the bank server) performs a currency exchange process based on the exchange request information; And depositing or remitting the exchanged money into a predetermined account at the currency exchange server (or bank server).

In addition, the step of checking the exchange processing history (or receipt) provided by the client in the exchange server (or bank server); And determining, by the currency exchange server (or bank server), whether or not a currency corresponding to the currency exchange process is provided to the client according to the verification result.

Here, the performing of the settlement processing for the currency exchange processing may correspond to the client-owned account or the credit card (or client) for the money exchange processing amount withdrawn from the credit card at the server corresponding to the credit card. It may include the step of transferring to a predetermined virtual account generated by.

On the other hand, a method for processing a currency exchange using a credit card according to the present invention comprises the steps of: authenticating the validity of the client in a predetermined authentication means when the exchange processing request client accesses a currency exchange server (or a bank server); Receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client in a predetermined information receiving means; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; When the client requests the exchange processing to be executed using the credit card, a predetermined exchange processing settlement means requests a credit card withdrawal for the currency exchange processing from the server corresponding to the credit card through a communication network and corresponds to the credit card. Performing a settlement process for the currency exchange process in association with a server; And transmitting the exchange processing history (or receipt) to the client and / or the client-owned wireless terminal from information transfer means provided in the exchange server (or bank server) or a server corresponding to the credit card. Can be done.

In addition, the present invention comprises the steps of performing a currency exchange processing on the exchange server (or bank server) based on the exchange processing request information; And depositing or remitting the exchanged money into a predetermined account at the currency exchange server (or bank server).

In addition, the present invention comprises the steps of confirming a currency exchange history (or receipt) provided by the client in the currency exchange server (or bank server); And determining, by the currency exchange server (or bank server), whether to provide a currency corresponding to the currency exchange process to the client, based on the confirmation result.

In addition, the present invention may further comprise the step of confirming whether or not withdrawal of the amount for the currency exchange processing using the credit card in connection with the server corresponding to the credit card in a predetermined information checking means.

The present invention may further comprise verifying validity of the credit card information provided by the client in connection with a server corresponding to the credit card in a predetermined information checking means.

Here, the performing of the settlement processing for the currency exchange processing may correspond to the client-owned account or the credit card (or client) for the money exchange processing amount withdrawn from the credit card at the server corresponding to the credit card. It may include a step of transferring to a predetermined virtual account generated by.

On the other hand, the present invention is characterized in that it comprises a computer-readable recording medium, characterized in that for recording the program for executing the above-described currency exchange processing method using at least one credit card.

On the other hand, a currency exchange processing system using a credit card according to the present invention, when the exchange processing application client accesses a credit card company server (or a server associated with a credit card company), the validity of the client and / or the client owned credit card authentication Authentication means for performing; Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange value information, etc.) from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; Information transmission means for providing the client information and / or currency exchange processing information to a currency exchange server (or a bank server) on a communication network when the client requests to perform currency exchange processing using the credit card; And a currency exchange processing settlement means for withdrawing money for the currency exchange processing from the credit card and performing settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server). .

On the other hand, a currency exchange processing system using a credit card according to the present invention, authentication means for authenticating the validity of the client when the exchange processing request client connected to the exchange server (or bank server); Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; Channel connection means for connecting a channel between the client and a server corresponding to the credit card when the client requests to perform a currency exchange process using the credit card; When the client requests a credit card withdrawal for the currency exchange processing to a server corresponding to the credit card, and the credit card withdrawal is approved by the server corresponding to the credit card, the client exchanges the money with the server corresponding to the credit card. And a currency exchange processing settlement means for performing settlement processing for the treatment.

On the other hand, a currency exchange processing system using a credit card according to the present invention, authentication means for authenticating the validity of the client when the exchange processing request client connected to the exchange server (or bank server); Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; And requesting a credit card withdrawal for the currency exchange processing from a server corresponding to the credit card through a communication network when the client requests the exchange processing to be executed using the credit card, and in connection with the server corresponding to the credit card. It characterized in that it comprises a; currency exchange processing settlement means for performing the settlement processing for the currency exchange processing.

On the other hand, a currency exchange server using a credit card according to the present invention, when the exchange processing request client access, authentication unit for authenticating the validity of the client; A receiving unit for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) from the client; A calculator for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the currency exchange request information; A confirmation unit for confirming whether the withdrawal of the amount calculated by the calculation unit is possible through the credit card; A transmission unit for providing the client information and / or currency exchange processing information to a currency exchange server (or a bank server) on a communication network if withdrawal is possible; And a currency exchange processing settlement unit for withdrawing money for the currency exchange processing from the credit card and performing settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server). .

On the other hand, the exchange server according to the invention is characterized in that it comprises a computer-readable recording medium, characterized in that for recording the program for executing the functions of the at least one server component described above.

In addition, according to the present invention, the credit card, characterized in that comprises a check card with a credit card function.

Hereinafter, the operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and the description.

However, the drawings and the following description are to be described with reference to the preferred embodiment of the various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and will be described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a diagram showing an embodiment of a currency exchange processing system using a credit card according to a preferred embodiment of the present invention.

In more detail, a simple configuration of a currency exchange processing system using a credit card (or check card) according to a preferred embodiment of the present invention is shown, and the currency exchange processing system using the illustrated credit card is connected via a network such as the Internet. A client 140 which accesses a credit card company server 100 and provides credit card (or check card) information and currency exchange request information to the credit card company server 100, and the client 140 and a predetermined network. The exchange rate information between the currency corresponding to the exchange process is checked on the basis of predetermined currency exchange request information provided from the client 140 and withdrawn through a credit card (or check card) for the exchange process. A credit for calculating the amount of money information to be settled and performing settlement processing for the currency exchange process in conjunction with a bank server 145 (or an exchange server) on a communication network. Deusa server may be configured, including 100, the credit card company server, the bank server 145 to perform an exchange processing on the basis of the exchange management information in association with the 100 (or the exchange server).

Referring to this figure, the network and / or communication means shown is characterized in that it comprises a VAN or a financial common network, in this case the payment agent server (or VAN company server or PG) is included on the VAN desirable.

The client 140 may include a wired terminal including a desktop computer and a notebook computer, and / or a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal and / or a personal digital cellular network. Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics and / or And a wireless terminal including a wireless data communication terminal and / or a portable internet terminal, and through the predetermined network and / or communication means, the credit card company server 100 (or a server associated with the credit card company). Or by connecting with a bank server 145 (or a currency exchange server) to provide credit card (or check card) information and predetermined currency exchange information. It shall be.

According to an embodiment of the present invention, the client may include a contact card interface capable of receiving predetermined card information from the IC card of the customer.

Here, the contact interface includes at least one contact point that makes an electrical contact contact with a chip on board (COB) provided in a contact IC card according to ISO / IEC 7816. Power is supplied to the IC chip of the contact type IC card, and predetermined information or data (e.g., card number) is transmitted from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Information, chip-related information, etc.) to the client to transfer the IC chip information to the credit card company server 100 connected to the client or a server linked to the credit card company) or a bank server 145 (or a currency exchange server). have.

In addition, the client 140 exchanges the exchange process history (or receipt) corresponding to the exchange process from the credit card company server 100 (or a server associated with the credit card company) or the bank server 145 (or a currency exchange server). Received through a wired or wireless communication network, and based on the received exchange processing history characterized in that the exchange processing currency provided by the exchange processing.

Referring to FIG. 1, the illustrated credit card company server 100 performs an authentication means 105, an information receiving means 110, an information checking means 115, and an information calculating means 120 in order to perform the aforementioned currency exchange processing function. ), The information providing means 125, the exchange processing settlement means 130, the information transmission means 135 and the storage medium (1).

More specifically, the authentication means 105, the client 140 and / or client 140 owned credit card (or check card) provided by the exchange processing request client 140 connected to the credit card company server 100 Receiving information) and performing validity authentication on the received client 140 and / or the client 140 owned credit card (or check card).

For example, the authentication means 105 is based on the login information (for example, ID, password, etc.) and / or authorized certificate information of the client 140 connected to the credit card company server 100 or the client 140 or It is desirable to perform authentication on the owned credit card (or check card).

The information receiving means 110 receives the exchange processing request information required for the exchange processing using a credit card (or check card) provided from the client 140 connected to the credit card company server 100, wherein, The currency exchange request information includes currency type and currency exchange amount information, currency exchange bank information, currency exchange withdrawal bank branch information, currency exchange date information, and credit card (or check card) withdrawal amount for deposit processing; The account information owned by the client 140, selection information of the preferential exchange service type, account information of the account to which the exchange amount is transferred, financial institution information and / or account owner information corresponding to the account to which the exchange amount is transferred; It is preferable to include more than one.

For example, when the client 140 wishes to provide (eg, a gift) currency exchanged to another client 140 using a credit card (or check card) according to the present invention, the exchange processing request information is Preferably, the currency exchange amount includes financial institution information and / or account holder information corresponding to an account to be transferred, and further includes wired or wireless terminal information of the account holder, thereby determining whether the money exchange amount is transferred. Other clients 140 may be notified.

The information checking means 115 checks the exchange target currency information included in the exchange processing request information when the exchange processing request information is received through the information receiving unit 110, and exchanges the currency for the exchange target currency. Characterized in that check the exchange rate information.

For example, the information checking means 115 may check the exchange rate information corresponding to the exchange target currency by referring to the exchange rate information periodically stored in the storage medium 1 provided in the credit card company server 100.

In addition, the information checking means 115 may determine whether it is possible to withdraw the exchange processing amount using a credit card (or check card) of the exchange request client 140, through the information calculating means 120 When the amount of money for the exchange process is determined, it is possible to determine whether withdrawal of the amount of money exchange processing by inquiring whether the credit card (or check card) is overdue or limit in conjunction with the storage medium (1).

In addition, the information checking means 115, when requesting a currency exchange processing using the check card of the exchange request client 140, checks the account information associated with the check card, and linked with the bank server for managing the account Thus, it is possible to determine whether the money exchange processing amount can be withdrawn from the account balance.

For example, if the money exchange processing amount can be withdrawn from the account balance, the credit card company server 100 performs direct debit payment, while if the money exchange processing amount is not withdrawable from the account balance, the credit card company server ( 100) may perform a credit settlement.

The information calculating means 120, when the exchange rate information corresponding to the currency exchange target currency is confirmed through the information checking means 115, by applying the confirmed exchange rate information to the exchange money amount according to the present invention the client ( 140) the amount of money information to be withdrawn (or settled) with a credit card (or check card).

The information providing means 125, when the amount of money information to be withdrawn (or settled) to the client 140 credit card through the information calculating means 120 is calculated, the calculated amount information to the client 140 Providing, so that the client 140 can check the calculated amount information.

Preferably, in the process of the client 140 confirming the calculated amount information through the information providing means 125, the client 140 determines whether or not to proceed with the currency exchange process according to the present invention. The card company server 100 may be notified.

When the client 140 wishes to proceed with the exchange process, the information transmitting means 135 exchanges the information on the exchange request client 140 and / or the exchange server with the bank server 145 (or exchange server) on the communication network. Send the processing information.

Here, the bank server 145 (or exchange server) is preferably a bank server 145 in which an account included in the exchange processing request information is opened.

The exchange processing settlement means 130, withdraws the amount for the exchange processing from the credit card (or check card) owned by the currency exchange client 140, in connection with the bank server 145 (or currency exchange server) It is characterized in that the settlement processing for the exchange.

For example, when the settlement processing for the currency exchange process is a post settlement process, the credit card company server 100 deposits the withdrawal processing amount into the deposit account designated by the client 140, and subsequently the payment approval. By receiving the details (or payment history to the deposit account) from the bank server 145 connected to the deposit account, it is possible to perform the post settlement process.

In addition, when the settlement processing for the currency exchange processing is a cash service or the like, the currency exchange processing settlement unit 130 refers to the payment account number information of the credit card (or check card) payment amount included in the currency exchange processing request information. As a result, the withdrawal processing amount of the withdrawal may be deposited into the deposit account.

Referring to FIG. 1, the illustrated embodiment shows that the functional configuration means are provided in the credit card company server 100. However, the functional configuration means (or part of the functional configuration means) is the credit card company server. It may be configured as a separate server (for example, a web server, a currency exchange server, etc.) in conjunction with the 100, or provided in the bank server 145 (or a currency exchange server) as in the other embodiments described below. Please specify.

In addition, the function configuration means may be implemented as a server (eg, currency exchange server, etc.) including a function configuration unit (eg, an authentication unit, a reception unit, a calculation unit, etc.) having respective functions.

The storage medium 1 may be located in the credit card company server 100 or on a network interoperating with the credit card company server 100, and may include a client connected to the credit card company server 100 ( 140) information and / or credit card information owned by the client 140 and / or currency exchange request information requested by the client 140 is stored.

Referring to FIG. 1, the bank server 145 (or a currency exchange server) is linked with the credit card company server 100 through a predetermined network (eg, a VAN or a financial common network), and the currency exchange client ( It is characterized in that the exchange of 140).

To this end, the bank server 145 (or exchange server), may be configured with a receiving means, a currency exchange processing means 155, a deposit / remittance processing means, details checking means, determination means and storage medium (2). have.

In more detail, the receiving means may include information on the exchange request client 140 and / or exchange processing information (eg, currency type and currency exchange) transmitted by the information transmitting means 135 of the credit card company server 100. Money information, currency exchange bank information, currency exchange withdrawal target bank branch information, currency exchange date information, account information owned by the client 140 for deposit processing of the credit card (or check card) withdrawal amount, and currency exchange preferential treatment The service type selection information, the account information of the account to which the currency exchange amount is transferred, the financial institution information corresponding to the account to which the currency exchange amount is transferred, and / or the account holder information, etc.); The information and / or currency exchange processing information may be transmitted to the currency exchange processing means 155 and / or the deposit / transfer processing means.

The currency exchange processing means 155 corresponds to the client 140 owning account or the credit card (or client 140) based on the exchange processing information of the currency exchange client 140 transmitted from the receiving means. It is characterized in that for converting the money exchange amount transferred to a predetermined virtual account generated by the client 140 with the corresponding currency requested.

The deposit / remittance processing means may be based on the exchange processing information (for example, account information of an account to which the exchange amount is transferred, financial institution information and / or account holder information, etc. corresponding to the account to which the exchange amount is transferred), The money exchanged through the exchange processing means 155 may be deposited or remitted to a predetermined account designated by the client 140.

The details checking means, when the client 140 having a currency exchange history (or receipt) corresponding to the currency exchange process to provide the currency exchange processing history (or receipt), to withdraw the exchanged currency, It is characterized by checking the exchange history (or receipt) provided by the client 140, the validity of the exchange process (or receipt).

For example, the exchange processing history (or receipt) provided by the client 140 to the details checking means is printed on a paper or the like with a predetermined code corresponding to the exchange processing history or the exchange processing history, or the client ( 140 may include a currency exchange history stored in the wireless terminal and displayed on the screen of the wireless terminal or a predetermined code corresponding to the currency exchange history.

The determining means may determine whether to provide the client 140 with money corresponding to the currency exchange process according to the result of the confirmation of the details checking means.

The storage medium 2 may include client 140 information and / or client 140 card information provided from the credit card company server 100, account information associated with the client 140, and the currency exchange processing means 155. It may be made, including the exchange information processing details of the exchange process.

Preferably, the client 140 information and / or the client 140 card information, the account information associated with the client 140, and the currency exchange processing history information exchanged through the currency exchange processing means 155 are interconnected to each other. Preferably stored.

In addition, the exchange processing history information is preferably transferred to the bank branch terminal (or server) withdrawal of the exchange amount designated by the client 140 is stored.

Figure 2 is a view showing a preferred implementation method for the currency exchange process using a credit card according to the present invention.

Figure 2 is an embodiment of the process of the exchange process of the client 140 is performed through the credit card company server 100, the exchange processing request client 140 is connected to the credit card company server 100 shown in Figure 1 Thus, the process may be started from the process of providing the client 140 information for exchange processing and / or the owned credit card information to the credit card company server 100 (200).

When the client 140 information for exchange processing and / or owned credit card (or check card) information is received from the exchange processing request client 140, the credit card company server 100 may receive the received client ( 140, the client 140 authenticates and / or the client 140 owned credit card validity authentication based on the information and / or the owned credit card (or check card) information (205).

For example, the validity authentication is based on the login information (eg, ID, password, etc.) and / or authorized certificate information of the client 140 accessing the credit card company server 100 and the credit card owned or owned by the client 140. (Or check card) authentication may be performed.

Preferably, when the validity authentication for the client 140 information and / or the owned credit card (or check card) information is successfully performed 210, the client 140 exchanges the credit card company server 100 with the client. To provide the request information (215), the exchange request information is shown in Figure 12 below, the currency type and currency exchange information, currency exchange bank information, currency exchange withdrawal target bank branch information And, the information on the date of exchange, the account information owned by the client 140 for the credit card (or check card) withdrawal amount deposit processing, the selection information of the preferential exchange service, the account information of the account to which the exchange amount is transferred; At least one of the financial institution information and / or the account holder information corresponding to the account to which the exchange amount is transferred is preferable.

Then, the credit card company server 100 checks the exchange target currency included in the exchange processing request information provided from the client 140, and in conjunction with the storage medium 1 exchange rate corresponding to the confirmed exchange target currency Check the information (220).

In addition, the credit card company server 100 reads the exchange rate information contained in the exchange request information, and applies the confirmed exchange rate information to the exchange rate (225), the exchange process of the client 140 Correspondingly, the amount information to be withdrawn (or settled) to the credit card (or check card) is calculated (230).

At this time, the credit card company server 100 determines whether the calculated amount can be withdrawn from the credit card (or check card) (240), the determination of whether the withdrawal is the client 140 stored in the storage medium (1) ) Preferably based on the limit information and / or delinquency information of the credit card (or check card).

If it is determined that the calculated amount can be withdrawn (or settled) from the credit card (240), the credit card company server 100 provides the calculated amount information to the client 140 (245), the client It is checked (250) whether or not to perform the exchange processing through the calculated amount information (250).

If the client 140 confirming the calculated amount information intends to continue the exchange process (255), the credit card company server 100 checks the exchange bank information included in the exchange request information, the bank, The client 140 provides information and / or currency exchange processing information to the verified bank server 145 (260).

Then, the credit card company server 100 withdraws the amount calculated for the exchange process from the credit card (or check card), and transfers the withdrawn amount to the account in the bank (265).

Here, the account may be an account owned by the client 140 in the bank, an account designated by the bank, or a predetermined virtual account generated in correspondence with the client 140 (or a credit card).

When the amount of money withdrawn for the exchange process is deposited into the account, the bank server 145 inquires whether the amount of money is deposited in the account, and then subjects the amount of money deposited in the account based on the exchange information to be exchanged. The currency is exchanged for money (270).

If the currency exchange process requested from the client 140 is successfully performed, the settlement process for the currency exchange process is performed in connection with the bank server 145 (275).

In addition, the credit card company server 100 receives the exchange processing history information corresponding to the currency exchange processing from the bank server 145 (280), and the client 140 and / or the client ( 140, the exchange exchange details are transmitted to the owned wireless terminal (285).

According to another preferred embodiment, when the exchange processing request information of the client 140 includes other client 140 information (eg, name, mobile number, e-mail, etc.) to be provided with the exchange processing amount, Currency exchange processing history information may be transmitted to the wireless terminal owned by the other client 140, a more detailed example thereof will be described with reference to FIG.

FIG. 2C is a view illustrating the transfer of customer credit card information and exchange processing request information from a client equipped with a predetermined key input means and a card interface in the server shown in FIG. 1 in the exchange process using a credit card according to the present invention. A credit card settlement approval message including the calculated credit card settlement amount and / or exchange processing request information by calculating a credit card settlement amount to which the exchange rate of the corresponding currency of exchange is applied according to the client's exchange request. Or data) and transmit it to a credit card company server 100 corresponding to the credit card through a PG (or VAN) on a network.

Referring to FIG. 2C, the exchange process using the illustrated credit card may be started from a process of inputting or receiving the customer credit card information and the exchange process request information at a server (200c).

According to the present invention, the customer credit card information may be read or read through a card interface provided in the client and provided to the server.

The exchange request information may include information on the type of currency to be exchanged and the exchange amount, the client-owned account information for the deposit processing of the credit card payment amount, the exchange preferential information, and the account information of the account to which the exchanged money is transferred. And, the exchanged currency may include financial institution information and / or account holder information corresponding to the account to be remitted.

Then, the server can select a credit card service type and / or a currency exchange processing type with reference to the input or received exchange processing request information at the server (205c), wherein the selection of the credit card service type is performed according to the present invention. Fig. 2C shows an example of whether or not to exchange money using credit sales or cash services.

In addition, the selection of the type of exchange processing is to select whether to withdraw the currency exchange money or transfer money to the user's account or transfer the money to another account after the exchange is normally performed according to the customer's exchange request. It may be selected or input through the customer's key input.

Then, the server requests exchange rate information corresponding to the foreign currency information to be exchanged included in the exchange request information to the bank server 145 (or a currency exchange server) or checks it from a storage medium (210c).

When the exchange rate information corresponding to the foreign currency information subject to the exchange processing is confirmed, the server calculates the amount of money information to be paid by the credit card by applying the confirmed exchange rate information to the exchange amount requested by the customer (215c).

When the credit card payment amount information is calculated, the server generates the exchange rate information and the calculated payment amount information and transmits it to the client, and the transmitted payment amount information is output through a screen output unit provided in the client. The exchange request processing customer can check (220c).

Here, the server may receive predetermined confirmation information on whether to continue the exchange process using the credit card from the client confirming the calculated payment amount information (225c).

In addition, the server may receive or select installment month information on the calculated credit card payment amount from the client (225c), and the server may include the calculated payment amount information and card information and installment month information. The payment approval request message (or data) is generated (230c), and the generated payment approval request message (or data) is transmitted to the PG (VAN company server).

In this case, the payment approval request message (or data) may be configured to further include predetermined account information for deposit processing of the credit card payment amount,

When the payment approval request message (or data) is transmitted to the PG (VAN company server) through the above process, the PG (VAN company server) sends the payment approval request message (or data) transmitted by the server to the customer credit card. The corresponding credit card company server 100 corresponding to the transmission is transmitted (235c).

When the payment approval request message (or data) is received from the PG (VAN company server), the credit card company server 100 checks card information and payment amount information included in the payment approval request message (or data). In order to determine whether the payment can be approved (240c), the payment approval is possible is preferably made through confirmation of the customer's credit card usage and / or credit card expiration date.

Subsequently, if the credit card payment approval corresponding to the customer exchange processing request is successfully performed (245c), the credit card company server 100 may provide the type of credit card service provided from the client (eg, credit sales for payment amount, etc.). The payment amount approval process is stored (250c), and the payment approval response message (or data) including the credit card payment approval result is generated and transmitted to the PG (VAN company server).

For example, the credit card company server 100 transmits the full credit card payment approval response (or data) to the server or bank server 115, and the server or currency exchange server (or bank server) 145 is the credit. After the exchange of the credit card payment amount according to the card payment authorization, the credit card payment details or the exchange processing details of the credit card payment amount is provided to the credit card company server 100 to the credit card payment amount The settlement can be processed.

The PG (VAN company server) receiving the payment approval response message (or data) transmits the received payment approval response message (or data) to the server (255c), and the server receives the payment approval response message (or data). Data) to perform a currency exchange process according to the exchange request of the customer (260c), and transmits the payment process details including the result of the exchange process to the client (265c).

FIG. 3 is a diagram illustrating a process of applying a predetermined exchange preferential service in a currency exchange process using a credit card of FIG. 2 according to the present invention.

FIG. 3 includes a predetermined exchange preferential service selection information in the exchange processing request information provided from the client 140 to the credit card company server 100 during the exchange process using the credit card described with reference to FIG. According to the included currency exchange service selection information, a predetermined incentive (or mileage) is provided to the client 140 during the currency exchange process.

Referring to FIG. 3, the illustrated embodiment may be started from the process of the credit card company server 100 confirming whether the preferential exchange service is selected from the exchange processing request information provided from the client 140 in the process of FIG. 2. It may be 300.

If the exchange processing request information includes exchange preferential service selection information (305), the credit card company server 100 applies the exchange preferential service selected by the client 140 in association with the storage medium 1. It is determined whether (310).

For example, the determination of whether to apply the exchange preferential service, the exchange amount or the accumulated exchange value exceeds a predetermined exchange preferential service application criteria, or the client 140 belongs to a predetermined exchange preferential service related community In some cases, however, the present invention is not limited thereto.

Here, if it is possible to apply the exchange preferential service to the client 140 (315), the credit card company server 100 is incentive corresponding to the exchange preferential service selected by the client 140 in conjunction with the storage medium (1) ( Or verify mileage 320, and provide the confirmed incentive (or mileage) to the client 140 (325).

4 is a diagram illustrating a process of providing the exchanged amount to another client 140 after the exchange process using the credit card of FIG. 2 according to the present invention.

4 is an embodiment of a process of providing (transferring) the exchanged money to another client 140 after the exchange process is performed through the process of FIG. 2, as in the process of FIG. The bank server 145 may be started from a process of generating a currency exchange process according to the exchange process performed using the credit card of the client 140 (400).

Here, if the client 140 wants to transfer the money exchanged amount to another client 140 (405), the client 140 exchanges the money with the bank server 145 or the credit card company server 100. The wired or wireless terminal information for the transfer target client 140 to transfer the amount of money is provided (410).

In addition, the bank server 145 or the credit card company server 100 stores the transfer target client 140 information and the exchange processing history information and / or client 140 information in a storage medium in association with the storage medium (415), The transfer target client 140 information and the exchange processing history information is transmitted to the exchange processing amount receiving point terminal (or server) (420).

In addition, the bank server 145 or the credit card company server 100 transmits the exchange exchange history information to the transfer target client 140 terminal, thereby notifying that the client 140 transfers the exchanged amount of money. (425).

5 is a diagram illustrating a screen in which exchange information is received at a wireless terminal according to the present invention.

5 shows that after the exchange process is successfully performed through the process of FIG. 2, a predetermined code corresponding to the currency exchange history (or receipt) or the currency exchange history (or receipt) is transmitted to the client 140 wireless terminal. The process to be transmitted is shown through the wireless terminal screen.

According to a preferred embodiment of the present invention, the client wireless terminal receiving the exchange rate withdrawal authorization code corresponding to the exchange processing details is a client wireless terminal applying for the exchange processing or the client described through the following Figure 6 May be the second client radio terminal to designate or select.

Referring to FIG. 5, an exchange rate withdrawal authorization code corresponding to the exchange processing history from a credit card company server or an exchange server (or a bank server) may be provided to the client wireless terminal through a predetermined message.

For example, when a currency exchange process is performed and a currency exchange process history and / or a currency exchange withdrawal approval code corresponding thereto is generated, the credit card company server or currency exchange server (or bank server) sends a predetermined message (eg, to the client wireless terminal). Text message, etc.), and the client wireless terminal accesses the exchange processing server and / or the storage medium (server) through a callback URL included in the message, and the like. Withdrawal authorization code can be downloaded.

In addition, as shown, the exchange amount withdrawal approval code corresponding to the exchange processing history, may be made in the form of a specific code including a bar code, but not limited to, consisting of numbers and / or letters, and / Or a specific image and / or a specific sound.

In addition, the exchange processing history and / or the exchange money withdrawal approval code corresponding thereto downloaded and stored in the wireless terminal may be output on the screen of the wireless terminal, the above-described infrared ray communication, RF (Radio Frequency) ) Through short-range data communication including Bluetooth communication, Bluetooth communication, Wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, and the like, may be provided to the exchange terminal.

In addition, as shown in the figure, when the currency exchange processing history and / or a currency exchange withdrawal approval code corresponding thereto is output in the form of a two-dimensional bar code on the screen of the wireless terminal, a predetermined reader may be provided in the currency exchange terminal. Through this, the barcode can be read.

The transmission of the predetermined code corresponding to the details of the exchange processing to the wireless terminal shown in FIG. 5 and the utilization thereof will be described in more detail with reference to FIGS. 26 to 34 below.

Figure 6 is a diagram showing one embodiment of a currency exchange processing system using a credit card according to another preferred embodiment of the present invention.

In more detail, a simplified configuration of a currency exchange processing system using a credit card according to another preferred embodiment of the present invention, a currency exchange processing system using a credit card shown in Figure 6, through a network such as the Internet A client 140 is connected to a bank server 145 (or a currency exchange server) and provides a currency exchange request information to the bank server 145 (or a currency exchange server) and the client 140 through a predetermined network. The exchange rate information between the currency corresponding to the currency exchange process is checked based on predetermined currency exchange request information provided from the client 140, and is withdrawn through a credit card (or check card) for the currency exchange process. Calculating the amount information, and connecting the channel between the client 140 and the credit card company server 100 owned by the client 140, and the credit card company server 100 A bank server 145 (or a currency exchange server) that performs settlement processing for the currency exchange process in conjunction with a credit for a currency exchange process based on the currency exchange process information in association with the bank server 145 (or a currency exchange server). It may be configured to include a credit card company server 100 that performs card withdrawal.

Referring to Figure 6, the bank server 145 (or exchange server) shown in order to perform the above-described exchange processing function, the authentication means 105, information receiving means 110, information checking means 115, information It may be configured with a calculation means 120, information providing means 125, currency exchange settlement settlement means 130, channel connecting means and a storage medium (2).

In addition, the bank server 145 (or exchange server) may be configured to further include a currency exchange processing means 155, a history checking means, a deposit / remittance processing means and a determination means.

Preferably, at least one or more of the above-described functional means is provided in the bank server 145 (or currency exchange server), but this is only one implementation method of the present invention, and is limited to the above case. I never do that. For example, each of the means may be composed of at least one server in conjunction with the bank server 145 (or exchange server).

In more detail, the information receiving means 110 receives the exchange processing request information required for the exchange processing using a credit card provided from the client 140 connected to the bank server 145 (or the exchange server). As described above, the exchange request information provided by the client 140 to the bank server 145 (or a currency exchange server) includes information on currency types and currency exchange rates, currency exchange bank information, and currency exchange withdrawal. Target bank branch information, exchange date information, account information owned by the client 140 for deposit processing of the withdrawal amount of the credit card (or check card), selection information of a preferential exchange service type, and an account with which the exchange amount is transferred It may include at least one of the account information, the financial institution information and / or account holder information corresponding to the account to which the exchange amount is transferred.

The authentication means 105, the information receiving means 110, the bank server 145 (or currency exchange server) for the exchange processing request using a credit card (or check card) from the currency exchange processing request client 140 When connected to the client, the client 140 in the process of receiving the client 140 information and / or credit card (or check card) information owned by the client 140 provided from the exchange processing request client 140, or In the process of accessing the bank server 145 (or the exchange server), based on the login information (eg, ID, password, etc.) and / or certificate information of the client 140, for the exchange processing request Validation authentication is performed for the connected client 140.

The information checking means 115, from the exchange processing request information received by the information receiving means 110 from the client 140, grasps the exchange target currency information to be exchanged by the client 140, the storage medium In conjunction with (2) to check the exchange rate information of the currency exchange target currency identified above.

The information calculating means 120, if the exchange rate information corresponding to the exchange target currency requested by the client 140 is confirmed through the information checking means 115, by applying the confirmed exchange rate information to the exchange rate According to the present invention is characterized in that the amount information to be withdrawn (or settled) to the client 140 credit card.

For example, the exchange target currency included in the exchange processing request information provided by the client 140 is USD, the exchange amount is $ 1,000, and the exchange rate information for the USD confirmed through the information checking means 115 is 1038.97. (At the time of remittance), the amount to be withdrawn (or settled) by the client 140 to the credit card is 1,000 × 1038.97 = 1,038,970 won, and thus, the client 140 may exchange his / her own credit to exchange the $ 1,000. You will have to withdraw (or settle) the calculated 1,038,970 won with your card.

The information providing means 125, if the amount of money information to be withdrawn (or settled) to the client 140 credit card through the information calculating means 120 is calculated, necessary for calculating the calculated amount information or the amount information Information (eg, exchange rate information, etc.) is provided to the client 140 so that the client 140 can check how much the calculated amount information is.

Preferably, in the process of the client 140 confirming the calculated amount information through the information providing means 125, the client 140 determines whether to continue the exchange process according to the present invention; The server 145 (or the exchange server) can be notified.

The exchange processing settlement means 130 exchanges money from the credit card (or check card) of the client 140 from the credit card company server 100 corresponding to the credit card (or check card) owned by the exchange request client 140. When the amount withdrawn for the transfer to the client 140 owned account or a predetermined virtual account created in correspondence with the credit card (or client 140), check the amount transferred to the account, the credit card company The settlement processing is performed on the server 100 and the exchange processing.

According to a preferred embodiment, in performing the exchange processing requested by the client 140 between the bank server 145 (or exchange server) and the credit card company server 100, for example, the client 140 credit card When using the cash service (or check card), the credit card company server 100 checks whether the cash service corresponding to the calculated amount is available from the client 140 credit card, and if the cash service is available, The client 140 performs the cash service as much as the calculated amount from the credit card, wherein the cash service amount is the amount withdrawn from the client 140 for the exchange process from the client 140 credit card It is created in response to the client 140 owning account or the credit card (or client 140) that requested (designated) to be transferred. It is preferable to transfer to a predetermined virtual account, and the bank server 145 (or currency exchange server) is a virtual account generated in correspondence with the client 140 owned account or the credit card (or client 140). By converting the transferred amount into the corresponding currency according to the exchange request information, and providing the exchange processing details (or the transfer amount confirmation details) to the credit card company server 100, the settlement processing for the exchange process is performed. Can be done.

Alternatively, the bank server 145 (or the exchange server) stores the exchange processing history (or the transfer amount confirmation details) by the credit card companies, and then periodically stores the currency exchange history (or the Transfer amount confirmation details), the settlement process for the exchange can be performed.

The currency exchange processing means 155 is a predetermined one generated in correspondence with the client 140 owning account or the credit card (or the client 140) based on the exchange processing request information of the currency exchange client 140. The currency exchange amount transferred to the virtual account is exchanged into the corresponding currency requested by the client 140.

The deposit / remittance processing means, the exchange amount in the account (or virtual account) associated with the client 140 (or the client 140 credit card) through the exchange processing means 155 to exchange the currency When the transaction is processed, the exchanged money is exchanged by referring to the exchange amount transfer account information on the exchange request information provided by the client 140 and the financial institution information and / or account holder information of the transfer amount transfer account. Deposit and transfer funds to the transfer account.

The channel connection means, after the calculation amount (the amount to be withdrawn (or settled) to the client 140 credit card) through the information providing means 125 is provided to the client 140, the client 140 When checking the calculated amount and requesting the exchange processing, the channel between the client 140 and the credit card company server 100 corresponding to the credit card (or check card) of the client 140 is connected.

Preferably, the client 140 may request the withdrawal of the credit card for the currency exchange processing through a channel connected with the credit card company server 100.

According to an embodiment of the present invention, the channel connection means for performing channel connection between the client 140 and the credit card company server 100 corresponding to the credit card of the client 140 may include the bank server 145 (or Currency exchange server) or may be provided in the client 140.

For example, when the channel connection means is provided in the bank server 145 (or a currency exchange server), the channel connection means, when the exchange request for execution processing information using the credit card is confirmed from the client 140, the After confirming the credit card information on the exchange request information provided by the client 140, or after confirming the credit card information stored in a predetermined storage medium in connection with the client 140 information, by reading the credit card information Check the server corresponding to the credit card (= confirm the address of the credit card company server 100), and provides communication session information to the credit card server. Then, the credit card server may convert the communication channel between the client 140 and the bank server 145 into a communication channel between the client 140 and the credit card company server 100 based on the communication session information. At this time, the client 140 may be provided with a predetermined "exchange processing window" for connecting with the credit card company server 100 and requesting a credit card withdrawal for exchange processing.

Here, a predetermined communication channel is already connected between the bank server 145 (or the exchange server) and the client 140, and the bank server 145 (or the exchange server) is for maintaining and managing the communication channel. It is preferable that a communication session is assigned.

In addition, it is preferred that the bank server 145 (or exchange server) and the credit card company server 100 have a communication channel switching function through communication session information exchange (promise).

According to another implementation method for the case where the channel connection means is provided in the bank server 145 (or a currency exchange server), the channel connection means requests information from the client 140 for the exchange processing enforcement request using the credit card. Check the credit card information on the exchange processing request information provided by the client 140, or check the credit card information stored in a predetermined storage medium in association with the client 140 information, After confirming the credit card company server 100 address, a communication channel between the client 140 and the credit card company server 100 may be configured based on the credit card company server 100 address.

Here, the communication channel may be configured as "client 140"-"channel connection means"-"credit card company server 100".

Meanwhile, when the channel connecting means is provided in the client 140, the channel connecting means may be a web browser or a predetermined program provided in the client 140.

For example, if the channel connection means is a web browser provided in the client 140 terminal, the information providing unit of the bank server 145 (or exchange server), the credit card on the exchange processing request information provided by the client 140 Check the information or check the credit card information stored in a predetermined storage medium in association with the client 140 information and confirm the address of the credit card company server 100 corresponding thereto, and then calculate the information to the client 140. In the process of providing the credit card withdrawal amount information, it may be provided on the web page (for example, the "exchange request" button, etc. provided on the web page) including the verified credit card company server 100 address.

Then, according to the request of the client 140 to perform currency exchange processing using the credit card (clicking the "exchange" button), the web browser is connected to the client 140 terminal through the credit card company server 100 address. A communication channel may be connected between the credit card company server 100.

In addition, when the channel connection means is a predetermined program provided in the client 140 terminal (for example, a "exchange-only program" or a "exchange plug-in program" that interworks with a web browser), the bank from the client 140 In the process of transmitting the credit card information for the withdrawal (or payment) of the calculated amount to the server 145 (or currency exchange server), or from the bank server 145 (or currency exchange server) to the client 140 terminal In the process of providing the calculated credit card withdrawal amount information, the program provided to the client 140 reads the credit card information to confirm the address of the credit card company server 100, and the address of the credit card company server 100 Through the client 140 terminal and the credit card company server 100 may be connected to the communication channel.

The details checking means, when the client 140 having a currency exchange history (or receipt) corresponding to the currency exchange process to provide the currency exchange processing history (or receipt), to withdraw the exchanged currency, By checking the exchange processing history (or receipt) provided by the client 140, the validity of the exchange processing history (or receipt) is confirmed.

As described above, the currency exchange processing history (or receipt) provided by the client 140 to the details checking means is printed on a paper or the like with a predetermined code corresponding to the currency exchange processing history or the currency exchange processing history, or The client 140 may include a predetermined code corresponding to the currency exchange history or the currency exchange history stored in the wireless terminal and displayed on the screen of the wireless terminal.

The determining means determines whether to provide a currency corresponding to the currency exchange processing based on a result of the validity check on the client 140 currency exchange processing history (or receipt) of the details checking means.

Referring to FIG. 6, the illustrated storage medium 2 may be located in the bank server 145 (or a currency exchange server) or on a network interworking with the bank server 145 (or a currency exchange server). Client 140 information and / or credit card information owned by the client 140 and / or currency exchange request information requested by the client 140, which are connected to the bank server 145 (or currency exchange server). It is characterized by storing.

In particular, the storage medium 2 may include client 140 information required for authenticating the connected client 140, exchange request information provided from the client 140, and currency exchange corresponding to the exchange request. It may be configured to include exchange rate information for the corresponding currency applied during the processing, and exchange processing history information corresponding to the exchange processing.

In this case, the client 140 information may include an individual including a client 140 name, address, contact information, social security number, bank account or card information, etc. for making a currency exchange request for access to the bank server 145 (or a currency exchange server). Information and login information such as an ID and a password.

In addition, the exchange processing request information, information about the currency type and currency exchange amount and currency exchange object selected and / or inputted from the client 140 connected to the bank server 145 (or currency exchange server), and the bank branch to which currency exchange amount is withdrawn Information, exchange date information, account information owned by the client 140 for the credit card withdrawal amount deposit processing, selection information of the type of exchange preferential service, account information of the account to which the exchange amount is transferred, and the exchange amount It may include at least one or more financial institution information and / or account holder information corresponding to the account being transferred.

7A and 7B illustrate a currency exchange process using a credit card according to another embodiment of the present invention.

7 is an embodiment in which a currency exchange request client 140 connects to a currency exchange server (or a bank server 145) to request a currency exchange request, and the currency exchange request client 140 exchanges a server (or In operation 700, the bank server 145 may be accessed.

Then, the client 140 provides the client 140 information to the exchange server (or the bank server 145) and requests the validity authentication of the access client 140 for the exchange exchange request (705).

Preferably, the client 140 information provided to the exchange server (or bank server 145) includes at least login information, an authentication certificate information, or other personally unique information including an ID, a password, and the like of the client 140. It is preferable to include one or more.

The exchange server (or bank server 145) performs validity authentication on the client 140 based on the client 140 information provided by the client 140 (710). If the validity authentication for the client 140 is successfully performed (715), the exchange server (or bank server 145) waits for a currency exchange request from the client 140.

Then, the client 140 provides the exchange processing request information to the exchange server (or the bank server 145) (720), wherein the exchange processing request information is the currency type and currency exchange information and currency exchange information Bank information, bank branch information subject to withdraw money exchange, exchange date information, account information owned by the client 140 for the credit card withdrawal amount deposit processing, currency exchange preferential service type selection information, and currency exchange amount It is preferable to include at least one or more account information of the account to be transferred, and financial institution information and / or account holder information corresponding to the account to which the money exchange amount is transferred.

When the exchange request information is provided from the client 140 to the exchange server (or bank server 145), the exchange server (or bank server 145) is the exchange processing request information provided from the client 140 Check the exchange rate information (eg, the announced exchange rate) corresponding to the exchange target currency included in (725).

For example, when the exchange target currency included in the exchange request information of the client 140 is yen (JPY), the exchange server (or bank server 145) exchanges the exchange rate of the yen (JPY) stored in the storage medium. Information (for example, 1002.59 won for 100 yen) can be confirmed.

Here, the exchange rate information corresponding to the currency exchange target currency is provided in the currency exchange server (or bank server 145) or stored in a storage medium associated with the currency exchange server (or bank server 145). (Or can be stored in a separate exchange rate information storage means), and preferably updated or updated according to a predetermined period.

As described above, when the exchange rate information corresponding to the exchange target currency requested by the client 140 is confirmed through the storage medium, the exchange server (or bank server 145) requests the exchange rate processing the exchange rate information. It is applied to the exchange amount included in the information (730).

For example, as described above, when the exchange target currency that the client 140 requests for exchange processing is yen (JPY) and the confirmed exchange rate information is 1002.59 won for 100 yen, the client 140 requests for exchange processing. When the exchange amount is 10,000 yen, the application formula may be 1002.59 × 100, and the amount to be withdrawn (or settled) by the client 140 to his or her credit card through the application of the exchange rate information may be 100,259 won. have.

As described above, when the amount information to be withdrawn (or settled) to the credit card is calculated in response to the exchange process of the client 140 in the exchange server (or bank server 145) (735), the exchange server ( Alternatively, the bank server 145 may provide the calculated credit card withdrawal amount information to the client 140 (740).

In addition, the exchange server (or the bank server 145) may check whether or not to perform the exchange process through the calculated amount information from the client 140, for example, the client 140 is on the screen By selecting or clicking the Continued Money Exchange Processing Execution button, the money exchange agreement for the calculated amount can be transferred to the money exchange server (or bank server 145), and the money exchange server (or bank server 145) Accordingly, the exchange operation can be continuously performed.

If the exchange process is continuously performed according to the agreement of the client 140 (750), the exchange server (or bank server 145) checks the credit card company information owned by the client 140 (for example, the currency exchange). Credit card information included in the processing request information or pre-stored in the storage medium in connection with the client 140 information, and connects a predetermined communication channel between the client 140 and the credit card company server 100 ( 755).

As described above with reference to FIG. 6, a channel connection between the client 140 and the credit card company server 100 corresponding to the client 140 credit card may be provided at the bank server 145 (or a currency exchange server). Or, it is preferably performed through a predetermined channel connection means provided in the client 140.

When a predetermined communication channel is connected between the client 140 and the credit card company server 100, the client 140 sends the credit card withdrawal (or payment) request information to the credit card company server 100 for exchange processing. Providing (760), wherein the credit card withdrawal (or payment) request information preferably includes the at least one exchange request information.

Then, the credit card company server 100 determines whether the calculated amount can be withdrawn (or settled) from the credit card according to the credit card withdrawal request of the client 140 (765).

For example, the credit card company server 100 checks the client 140 information or the credit card information, checks the credit limit or the delinquency, etc., and withdraws the money (or payment) requested for the withdrawal (or payment) to the credit card. Or payment).

If it is determined in the credit card company server 100 that the calculated amount can be withdrawn (or settled) from the credit card (770), the credit card company server 100 for the money exchange processing from the credit card. Withdraw (or settle) and check the account information to be withdrawn (or settled) account information (775), and transfers the withdrawn (or settled) amount for the exchange process to the verified account (780) .

Then, the exchange server (or the bank server 145) performs the exchange process for the transferred amount based on the exchange process request information of the client 140 (785), and also according to the exchange process request information The exchanged money is deposited or remitted to the designated account.

8 is a diagram showing an embodiment of a currency exchange processing system using a credit card according to another preferred embodiment of the present invention.

In more detail, the exchange processing system using the credit card shown in FIG. 8 is connected to the bank server 145 (or a currency exchange server) via a network such as the Internet, and the bank server 145 (or a currency exchange server). The client 140 providing exchange request information and the client 140 connected to the client 140 through a predetermined network and corresponding to the exchange request based on predetermined exchange request information provided from the client 140. Check the exchange rate information between the currency, calculates the amount of information to be withdrawn through the credit card for the exchange process, the credit card company corresponding to the credit card through a predetermined communication network according to the exchange process of the client 140 The bank server 145 (or the exchange server) performing the settlement processing for the exchange process in conjunction with the server 100, and the bank server 145 (or the exchange server) in conjunction with the It is characterized in that it comprises a credit card company server 100 for performing a credit card withdrawal for the exchange processing based on the exchange processing information.

Referring to FIG. 8, the illustrated bank server 145 (or a currency exchange server) may perform authentication means 105, information receiving means 110, information checking means 115, and information in order to perform the above-described currency exchange function. It may be configured with a calculation means 120, information providing means 125, currency exchange settlement settlement means 130 and the storage medium (2).

In addition, the bank server 145 (or exchange server) may be configured to further include a currency exchange processing means 155, a history checking means, a deposit / remittance processing means and a determination means.

Preferably, at least one or more of the above-described functional means is provided in the bank server 145 (or currency exchange server), but this is only one implementation method of the present invention, and is limited to the above case. I never do that. For example, each of the means may be composed of at least one server in conjunction with the bank server 145 (or exchange server).

The information receiving unit 110 is characterized in that for receiving the exchange processing request information required for the exchange processing using a credit card provided from the client 140 connected to the bank server 145 (or exchange server). .

As described above with reference to FIGS. 1 and 6, the exchange request information provided by the client 140 to the bank server 145 (or a currency exchange server) includes information on currency types and currency exchange rates and currency exchange banks. Information, bank branch information subject to withdraw money exchange, exchange date information, account information owned by the client 140 for the credit card withdrawal amount deposit processing, selection information of a preferential currency exchange service type, and money exchange amount It is preferable to include at least one or more account information of the account, financial institution information and / or account holder information corresponding to the account to which the exchange amount is transferred.

According to the present invention, the authentication means 105, when the exchange processing request client 140 is connected to the bank server 145 (or exchange server) for the exchange processing request using a credit card, the information receiving means When the client 110 receives the client 140 information and / or the client 140 owned credit card information, etc. provided from the currency exchange application client 140 or the client 140 receives the bank server 145 ( Or in the process of accessing the exchange server, based on the login information (eg, ID, password, etc.) and / or certificate information of the client 140, to the client 140 connected for the exchange processing application Characterized in that the validation for the validation.

The information checking means 115, from the exchange processing request information received by the information receiving means 110 from the client 140, grasps the exchange target currency information to be exchanged by the client 140, the storage medium In conjunction with (2) to check the exchange rate information of the currency exchange target currency identified above.

The information calculating means 120, if the exchange rate information corresponding to the exchange target currency requested by the client 140 is confirmed through the information checking means 115, by applying the confirmed exchange rate information to the exchange rate According to the present invention is characterized in that the amount information to be withdrawn (or settled) to the client 140 credit card.

The information providing means 125, if the amount of money information to be withdrawn (or settled) to the client 140 credit card through the information calculating means 120 is calculated, necessary for calculating the calculated amount information or the amount information Information (eg, exchange rate information, etc.) is provided to the client 140 so that the client 140 can check how much the calculated amount information is.

Preferably, in the process of the client 140 confirming the calculated amount information through the information providing means 125, the client 140 determines whether to continue the exchange process according to the present invention; The server 145 (or the exchange server) can be notified.

When the exchange processing settlement means 130 requests the client 140 to perform the exchange processing using the credit card, a credit card corresponding to the credit card through a communication network (eg, a financial common network, a VAN, etc.). The server, characterized in that for requesting a credit card withdrawal (or payment) for the amount calculated through the information calculating means 120.

In addition, the exchange processing settlement means 130, the amount of money withdrawn from the credit card company server 100 corresponding to the credit card owned by the exchange request client 140 from the client 140 credit card for exchange processing (140) When the transfer to a predetermined account created in correspondence with the own account or the credit card (or client 140), the amount transferred to the account is confirmed, the credit card company server 100 and the currency exchange process It is characterized in that the settlement process for the.

As described above with reference to FIG. 6, in the process of performing the exchange processing requested by the client 140 between the bank server 145 (or the exchange server) and the credit card company server 100, the client 140 When using a cash service through a credit card, the credit card company server 100 checks whether the cash service corresponding to the calculated amount is available from the client 140 credit card, and if the cash service is available, the client. (140) perform a cash service as much as the calculated amount from a credit card, wherein the cash service amount is requested that the client 140 transfers the amount withdrawn from the client 140 credit card for exchange processing; A predetermined virtual system generated in correspondence with the client 140 owning account (designated) or the credit card (or the client 140) Preferably, the bank server 145 (or exchange server) transfers the amount of money transferred to the virtual account generated in correspondence with the client 140 owning account or the credit card (or client 140). By converting the currency into currency according to the exchange processing request information, and providing the exchange processing history (or the transfer amount confirmation details) to the credit card company server 100, settlement processing for the exchange processing may be performed.

Alternatively, the bank server 145 (or the exchange server) stores the exchange processing history (or the transfer amount confirmation details) by the credit card companies, and then periodically stores the currency exchange history (or the Transfer amount confirmation details), the settlement process for the exchange can be performed.

The currency exchange processing means 155 is a predetermined one generated in correspondence with the client 140 owning account or the credit card (or the client 140) based on the exchange processing request information of the currency exchange client 140. The exchange amount transferred to the virtual account is characterized in that the client 140 exchanges the currency into the corresponding currency requested.

The deposit / remittance processing means, the exchange amount in the account (or virtual account) associated with the client 140 (or the client 140 credit card) through the exchange processing means 155 to exchange the currency When the transaction is processed, the exchanged money is exchanged for the exchanged money by referring to the exchange amount transfer account information on the exchange request information provided by the client 140 and the financial institution information and / or account holder information of the transfer amount transfer account. It is characterized in that the deposit / remittance process to the transfer account.

The details checking means, when the client 140 having a currency exchange history (or receipt) corresponding to the currency exchange process to provide the currency exchange processing history (or receipt), to withdraw the exchanged currency, By checking the exchange processing history (or receipt) provided by the client 140, the validity of the exchange processing history (or receipt) is confirmed.

As described above, the currency exchange processing history (or receipt) provided by the client 140 to the details checking means is printed on a paper or the like with a predetermined code corresponding to the currency exchange processing history or the currency exchange processing history, or The client 140 may include a predetermined code corresponding to the currency exchange history or the currency exchange history stored in the wireless terminal and displayed on the screen of the wireless terminal.

The determination means determines whether to provide a currency corresponding to the currency exchange processing based on a result of the validity check on the client 140 currency exchange processing history (or receipt) of the details checking means.

The storage medium 2 shown in FIG. 8 may be located in the bank server 145 (or currency exchange server) or on a network interworking with the bank server 145 (or currency exchange server). Storing the client 140 information connected to the bank server 145 (or the exchange server) and / or credit card information owned by the client 140 and / or the exchange request information requested by the client 140; It features.

In particular, the storage medium 2 may include client 140 information required for authenticating the connected client 140, exchange request information provided from the client 140, and currency exchange corresponding to the exchange request. It may be configured to include exchange rate information for the corresponding currency applied during the processing, and exchange processing history information corresponding to the exchange processing.

In this case, the client 140 information may include an individual including a client 140 name, address, contact information, social security number, bank account or card information, etc. for making a currency exchange request for access to the bank server 145 (or a currency exchange server). Information and login information such as an ID and a password.

In addition, the exchange processing request information, information on the currency type and currency exchange amount and currency exchange object selected and / or inputted from the client 140 connected to the bank server 145 (or currency exchange server), and the bank branch to which currency exchange amount is withdrawn Information, exchange date information, account information owned by the client 140 for the credit card withdrawal amount deposit processing, selection information of the type of exchange preferential service, account information of the account to which the exchange amount is transferred, and the exchange amount It may include at least one or more financial institution information and / or account holder information corresponding to the account being transferred.

9 is a view showing a currency exchange process using a credit card according to another embodiment of the present invention.

9 is a diagram illustrating a process of exchanging money according to an exchange request for a client 140 connected to the money exchange server (or a bank server 145) on a money exchange processing system using a credit card shown in FIG. For example, the exchange processing request client 140 is connected to the currency exchange server (or bank server 145) to provide currency exchange request information to the currency exchange server (or bank server 145), and the currency exchange process. Based on the request information, a process of calculating the amount to be withdrawn (or settled) by the client 140 owned credit card and providing the amount to the client 140 will be described with reference to FIG. 7A.

Accordingly, in FIG. 9, the amount information to be withdrawn (or settled) from the exchange server (or bank server 145) to the credit card in response to the exchange process of the client 140 through the process of FIG. After the calculation is provided to the client 140, the exchange server (or bank server 145) may be started from the process of confirming whether or not to perform the exchange process through the calculated amount information from the client 140 ( 900).

If the exchange processing is continuously performed according to the agreement of the client 140 (905), the exchange server (or bank server 145) is included in the exchange processing request information, or the client 140 information and the The credit card company information owned by the client 140 previously stored in the storage medium is linked (910), and the credit card company server 100 provides credit card withdrawal (or payment) request information for exchange processing. (915).

Preferably, the credit card withdrawal (or payment) request information may include the at least one exchange request information.

The credit card company server 100 determines whether the calculated amount can be withdrawn (or settled) from the credit card according to the credit card withdrawal request of the client 140 (920).

For example, the credit card company server 100 checks the client 140 information or the credit card information, checks the credit limit or the delinquency, etc., and withdraws the money (or payment) requested for the withdrawal (or payment) to the credit card. Or payment).

If it is determined that the calculated amount is withdrawn (or settled) from the credit card in the credit card company server 100 (925), the credit card company server 100 for the money exchange processing from the credit card. Check the account information to be withdrawn (or settled), and transfer the amount of the withdrawal (or settled) (930), and transfer the amount withdrawn (or settled) for the exchange process to the confirmed account (935). .

Then, the exchange server (or bank server 145) performs the exchange process for the transferred amount based on the exchange process request information of the client 140 (940), and also according to the exchange process request information The exchanged money is deposited or remitted to the designated account (945).

10 is a diagram illustrating a process in which a predetermined fee is applied in a currency exchange process using a credit card according to the present invention.

FIG. 10 shows that the client 140 requests a currency exchange process using a credit card according to the present invention, and corresponds to a currency exchange process using the credit card on the currency exchange processing system shown in FIGS. 1, 6, and 8. If at least one fee (eg, exchange fee, cash service fee, handling fee, etc.) is incurred, the fee is charged to the amount to be paid by the credit card, or the amount to be paid by the credit card. A diagram illustrating a process of providing the client 140 together.

Referring to FIG. 10, when the exchange server (or bank server 145) receives the exchange processing request information from the exchange processing request client 140 (1000), the exchange server (or bank server 145) is provided with the The exchange rate information corresponding to the exchange target currency included in the exchange request information is checked (1005).

In addition, the exchange server (or bank server 145) applies the confirmed exchange rate information to the exchange amount included in the exchange request information (1010), the credit corresponding to the exchange process of the client 140 The amount information to be withdrawn (or settled) to the card is calculated (1015).

At this time, if there is a predetermined exchange fee required for the exchange processing (1020), the exchange server (or bank server 145) checks the exchange rate corresponding to the exchange amount and the currency to be exchanged to calculate The amount may be charged (1025).

In addition, the exchange server (or bank server 145) is calculated in conjunction with the credit card company server 100 or a storage medium (for example, storage medium including fee information for each credit card company) corresponding to the credit card Check the fees (eg, cash service fees, loan fees, handling fees, etc.) corresponding to the (1030).

When at least one fee corresponding to the calculated amount is confirmed (1035), the currency exchange server (or bank server 145) corresponds to the amount information to be withdrawn (or settled) to the calculated credit card and the amount. Confirmed fee (cash service fee, loan fee, handling fee) information is provided to the client 140 to notify (1040).

According to one embodiment of the present invention, a fee (cash service fee, loan fee, handling fee) confirmed in correspondence with the amount to be withdrawn (or settled) with the credit card is settled for the amount withdrawn (or settled) with the credit card. In processing, it is preferable to be included in the settlement amount corresponding to the credit card withdrawal (or settlement) amount.

11A and 11B illustrate a currency exchange process using a credit card according to an embodiment of the present invention.

FIG. 11A illustrates that the client 140 accesses the credit card company server 100 on the exchange processing system shown in FIG. 1 and withdraws (or pays) the credit card in response to the exchange process in the course of performing the exchange process. The card loan service is used for the amount to be paid.

Referring to FIG. 11a, the client 140 accesses a credit card company server 100 for a currency exchange request according to the present invention (1100a), and provides exchange information request information to the connected credit card company server 100. It can be initiated from the process (1105a).

Then, the credit card company server 100 checks the exchange rate information corresponding to the exchange target currency included in the exchange processing request information (1110a), the exchange rate amount included in the exchange information processing request information In operation 1120a, the amount information to be withdrawn (or settled) to the credit card is calculated in response to the exchange process of the client 140 (1120a).

In addition, the credit card company server 100 may request the client 140 to select a credit card service for withdrawal (or payment) of the calculated amount (1125a), wherein the credit card service is a cash service, Credit settlement, card loans, and the like.

Here, when the credit card company server 100 receives the credit card service (card loan) selection information for the withdrawal (or payment) of the calculated amount from the client 140 (1130a), the card loan of the client 140 is used. Checking the degree (1135a), it can be confirmed whether the card loan availability of the client 140.

In addition, the credit card company server 100 receives a password, a Card Verification Value (CVV) (or CVS; Card Verification Code) for using the card loan from the client 140 (1140a).

Then, the credit card company server 100 to the client 140, the loan rate corresponding to the calculated amount (for example, 9.8% ~ 21.8% per year), handling fee (for example 0.5% ~ 4.0%, etc.) information And the like (1145a), and the client 140 receives the transaction method (e.g., payment of equal share of the principal) and the redemption period (e.g., 3 to 24 months, etc.) (1150a).

Then, the credit card company server 100 collects the information received from the client 140, and provides the calculated amount information and card loan-related transaction information to the client 140 (1155a).

FIG. 11b illustrates that the client 140 connects to the exchange server (or the bank server 145) on the exchange processing system shown in FIG. 140. The card loan service may be used for an amount to be withdrawn (or settled) to the credit card in response to the exchange process through a channel connected to the credit card company server 100 corresponding to the credit card.

Referring to FIG. 11B, the exchange processing request client 140 accesses the exchange server (or the bank server 145) and starts the process of providing the exchange processing request information to the exchange server (or the bank server 145). It may be 1100b.

Then, the exchange server (or bank server 145) checks the exchange rate information corresponding to the exchange target currency included in the exchange processing request information provided from the client 140 (1105b), the exchange rate information By applying the exchange amount included in the exchange request information (1110b), the amount of information to be withdrawn (or settled) to the credit card corresponding to the exchange process of the client 140 is calculated (1115b).

In addition, the exchange server (or bank server 145) provides the calculated credit card withdrawal amount information to the client 140 (1120b), the exchange process through the calculated amount information from the client 140 When receiving the enforcement request information (1125b), the exchange server (or bank server 145) checks the credit card company information owned by the client 140, the channel between the client 140 and the credit card company server 100 Connect (1130b).

Then, the client 140 provides the credit card withdrawal request information and the card loan service request (or selection) information for the currency exchange processing through a channel connected with the credit card company server 100 (1135b), and the credit card company The server 100 may check the card loan utilization of the client 140 credit card with reference to the client 140 information and / or credit card information (1140 b).

In addition, the credit card company server 100 receives the password for the card loan, CVV (Card Verification Value) or CVC (Card Verification Code) from the client 140 (1145b), the calculation to the client 140 Loan rates corresponding to the amount (eg, 9.8% to 21.8% per year), handling fees (eg, 0.5% to 4.0% per year, etc.) and the like are provided (1150b).

Then, the credit card company server 100 receives the transaction method (for example, equal payment of the principle dividend payment), the repayment period selection (for example, 3 to 24 months) information from the client 140 (1155b), the client ( In operation 140, the card loan transaction information corresponding to the calculated amount is provided.

12 is an exemplary view of the exchange processing request information provided from the client 140 during the exchange process using a credit card according to the present invention.

Currency exchange processing request information shown in Figure 12 is a client 140 who wants to apply for a currency exchange processing in accordance with the present invention connected to the credit card company server 100 on the exchange processing system shown in Figure 1, or 6 to A bank server 145 (or a currency exchange server) on the currency exchange system shown in FIG. 8 is connected and selected and / or inputted. As shown in FIG. Withdrawal target bank branch information, exchange date information, account information owned by the client 140 for the credit card withdrawal amount deposit processing, selection information of a preferential currency exchange service type, account information of the account with which the exchange amount is transferred; It is preferable that the exchange amount includes at least one financial institution information and / or account holder information corresponding to the account to be transferred.

In this case, the currency type of the currency to be exchanged among the exchange request information means the currency of the corresponding country for the client 140 to exchange using a credit card or a cash service or a card loan of the credit card, for example, US dollars. (USD), Japanese Yen (JPY), British Pounds (GBP), Canadian Dollars (CAD), European Union Euros (EUR), Hong Kong Dollars (HKD), Australian Dollars (AUD), Thai Baht (THB), ... Etc. may include any currency traded in the country.

The exchange amount means the value of a currency of the corresponding country in which the client 140 exchanges money using a credit card. For example, the client 140 may select or input a dollar amount of 10,000 yen or 10,000 yen.

The bank branch to which currency exchange amount is to be withdrawn is a bank branch to be visited when the client 140 intends to withdraw the exchange currency amount after the exchange process using the credit card and with the details of the exchange process, for example, S bank Yeoksam. It may be selected or input as a point or the like.

13 to 19 show that a client connects to a server on a network and performs a currency exchange process using a credit card according to the present invention, wherein the client uses a personal communication system (PCS) and / or the like. Or a Global System for Mobile communications (GSM) terminal and / or a Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or a Personal Digital Assistant (PDA) and / or In the case of a wireless terminal including a smart phone and / or telematics and / or a wireless data communication terminal and / or a portable internet terminal, various methods of performing currency exchange processing by accessing the server through a wireless network are performed. One preferred method among the methods, the present invention is not limited only to the following drawings and descriptions The Centaur.

In addition, when performing a currency exchange processing through a wireless network, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted, and the present embodiment will be presented. Terms are terms defined in consideration of functions in the present embodiment, which may vary according to the intention or custom of the user or operator. Therefore, the definition should be based on the contents throughout the present title.

13 is a diagram showing a schematic configuration of a currency exchange processing system using a credit card in a mobile environment according to an embodiment of the present invention.

The currency exchange processing system shown in FIG. 13 includes a predetermined currency exchange request including information on the currency type and currency exchange value of a currency exchange to a server (for example, a credit card company server or a currency exchange server (or bank server) or a web server) on a wireless network. The wireless terminal 140 provides credit card information for which a withdrawal (or payment) is to be made in response to the information and the money exchange amount information, and the credit card company server 100 corresponding to the credit card information provided from the wireless terminal 140. Or an exchange server (or a bank server), the server may be configured to authenticate the validity of the credit card and perform a currency exchange process corresponding to the exchange request information.

Here, the exchange processing request information, the exchange request user information, selection information of the kind of exchange preferential services to be provided when the exchange request, exchange date information corresponding to the exchange request and / or currency exchange branch information, and the exchange Account information of the account to which the exchanged amount is transferred in response to the application, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred; Can be.

Referring to FIG. 13, a network connecting the wireless terminal 140 and a currency exchange processing server is connected to the wireless terminal 140 through a wireless section to connect a predetermined wireless path (Base Transceiver Station). And a base station that connects the base station (BTS) and a wireless switching center (MSC) to be described below through a wired interval and manages a network control process such as polling, selection, and recovery. MSC, which constitutes an access point for user traffic between a BTS System Controller (BSC) and another mobile switching center (MSC) in the same or different mobile networks A packet data service for performing a home location register (HLR) / visitor location register (VLR) for registering a subscriber location and / or a visitor location subscribed to the mobile communication network, and a packet data service. De; preferably comprises a (PDSN Packet Data Sevice Node).

The wireless terminal 140 illustrated in FIG. 13 includes at least one or more of a mobile phone, a PDA and a portable Internet phone, and the predetermined exchange processing request information and money withdrawal (or payment) credit for the mobile currency exchange application according to the present embodiment. In providing card information to the server (web server or credit card company server or currency exchange server (or bank server)), the server is accessed through the network to provide the information and / or the server (web server or credit). A predetermined program interoperating with a card company server or a currency exchange server (or bank server), and providing the information to the server (web server or credit card company server or currency exchange server (or bank server)) by executing the program. Characterized in that.

Here, the wireless terminal 140 is connected to the server (web server or credit card company server or exchange server (or bank server)) through the network to provide the exchange request information and money withdrawal credit card information, It is possible to operate a wireless Internet web browser such as WAP (Wireless Application Protocol) and connect to a connection code (e.g., URL) of the server (web server or credit card company server or currency exchange server (or bank server)). .

In addition, the server (web server or credit card company server or currency exchange server (or bank server)) of the exchange processing request information and money withdrawal credit card information through a predetermined exchange processing program provided in the wireless terminal 140. If provided with, the program provides a function for providing a selection and / or input interface of the exchange request information, and a function for providing a selection and / or input interface of credit card information for withdrawal of money corresponding to the exchange request And a function of reading credit card information for withdrawing money corresponding to the currency exchange request from an IC chip mounted and / or detached from the wireless terminal 140, and transferring the information to the server (web server or credit card company). To a server or a currency exchange server (or bank server) and to a server (web server or credit card company server or a currency exchange server (or bank server)). A function of receiving predetermined code information and / or virtual credit card information in which the exchanged amount of money is deposited, and the server (web server or credit card company server or currency exchange). And / or output predetermined code information and / or virtual credit card information in which the exchanged amount of money is exchanged, corresponding to currency exchange history information and / or currency exchange history received from a server (or a bank server). And a function of authenticating the user of the wireless terminal, and executing the function in the wireless terminal 140, thereby converting the money exchange request information and the amount of money withdrawal credit. Card information may be provided to the currency exchange processing server 1300.

Here, the currency exchange processing program provided in the wireless terminal 140 is a mobile currency exchange application for the mobile currency exchange, and is predetermined process software (S / W) for performing the above-described functions, and is a virtual machine. Can be driven on.

In addition, referring to FIG. 13, the server (web server or credit card company server or currency exchange server (or bank server)) interworks with the wireless terminal 140 to perform a mobile currency exchange processing operation according to the present embodiment. The validity of the wireless terminal 140 and / or the wireless terminal user may be authenticated.

In addition, when the mobile currency exchange process is performed according to the present method, the currency exchange processing server 1300 performs a predetermined currency exchange process corresponding to a result of the currency exchange process on the wireless terminal 140 and / or the wireless terminal. It can be stored in a predetermined storage medium in association with the user information and / or the credit card information, and further, predetermined currency exchange history information corresponding to the result of the currency exchange processing and / or predetermined code corresponding to the history of currency exchange processing Information and / or virtual credit card information in which the exchanged amount of money is deposited may be transmitted to the wireless terminal 140.

Further, according to the present invention, the server 1300 (web server or credit card company server or currency exchange server (or bank server)) at least one or more functional means (or functional configuration) described in FIG. It can be configured to include.

In addition, the server 1300 (web server or credit card company server or currency exchange server (or bank server)) is composed of a single server, and / or a plurality of servers having respective functional means (or functional components) and It may be made of a complex of the terminal, and also, characterized in that it comprises at least one server on the financial company server, credit card company server, VAN company server, mobile communication company server, network.

In addition, according to the present embodiment, the illustrated currency exchange processing system wirelessly displays the currency exchange details processed by the credit card company server or currency exchange server (or bank server) associated with the server 1300 and / or the server 1300. A predetermined message center (eg, Short Message Service Center (SMSC) in the case of SMS) on the network to reliably transmit and / or manage while ensuring portability and / or mobility to the terminal 140. And / or Enhanced Message Service Center (EMSC) for EMS and / or Multimedia Message Service Center (MMSC) for MMS.

14 illustrates a functional configuration of a preferred server 1300 according to an embodiment of the present invention.

FIG. 3 illustrates the server 1300 illustrated in detail with reference to FIG. 13 as described above. As shown, the server includes information on the currency type and currency exchange amount of the currency to be exchanged from the client wireless terminal 140. A withdrawal unit 1315 for receiving predetermined currency exchange request information and credit card information for withdrawing money corresponding to the currency exchange request; and withdrawing money through the credit card for the currency exchange processing based on the currency exchange request information; A currency exchange unit 1310 for calculating the amount of money information to be linked with a credit card company server or a currency exchange server (or a bank server) corresponding to the credit card information received through the receiver 1315, and the currency exchange from the credit card; A check unit 1320 that determines whether an amount corresponding to the application can be withdrawn, and if it is possible to withdraw the amount corresponding to the exchange request from the credit card A transfer unit 1325 for providing the client information and / or currency exchange processing information to a currency exchange server (or a bank server) on the Internet, and withdraws an amount for the currency exchange process from the credit card; It may be configured to include a settlement processing unit (1305) for performing the settlement processing for the currency exchange processing in connection with).

In addition, the server 1300 processes a currency exchange process provided from the exchange server (or a bank server) in association with the wireless terminal 140 and / or the wireless terminal user information and / or the credit card information. It may be configured to further include a storage unit (not shown) for storing in the storage medium and a control unit for controlling each of the components.

In addition, the server 1300 interoperates with the transmission unit 1325 to provide the credit card and the currency exchange request information to a credit card company server or a currency exchange server (or a bank server) corresponding to the credit card. It may be configured to further include a confirmation unit 1320 for checking the information available to withdraw money corresponding to the exchange request from the exchange server (or bank server) through the credit card.

According to the present invention, the authentication unit 1330 may process the login process of the currency exchange client wireless terminal 140, and also, validity authentication for the wireless terminal 140 and / or the wireless terminal user. You can do it.

For example, when the wireless terminal user is a member registered to the server, the authentication unit 1330 receives member information including a user account (ID) and a password from the wireless terminal 140 through the network. Thereafter, the user information (ID) and password of the pre-registered user of the wireless terminal can be checked to verify the validity of the wireless terminal and / or the client.

In addition, when the authentication unit 1330 pre-stores the radio terminal information, the radio terminal 1330 using radio terminal information including a number and / or a unique serial number of the radio terminal 1330. And / or validity of the wireless terminal user.

In addition, the authentication unit 1330, after receiving predetermined authentication certificate information from the wireless terminal 140, by using the certificate, the validity of the wireless terminal 140 and / or the user of the wireless terminal. You can authenticate.

In addition, when the wireless terminal 140 includes a predetermined IC chip, the authentication unit 1330 is an IC stored in an IC chip mounted or detached from the wireless terminal 140 to the wireless terminal 140. The IC chip information including the chip serial number and / or the IC chip unique code and / or the user unique information stored in the IC chip is used to authenticate the validity of the wireless terminal 140 and / or the user of the wireless terminal. Can be.

In addition, the authentication unit 1330, if predetermined personal information of the wireless terminal user is stored in advance, from the wireless terminal 140, the resident registration number and / or name, and / or driver's license number of the wireless terminal user After receiving the personal information including the health insurance number, and / or, the personal information may be used to authenticate the validity of the wireless terminal 140 and / or the wireless terminal user.

In addition, the authentication unit 1330, the predetermined biometric information of the user of the wireless terminal is registered in advance, and the biometric information input means capable of inputting the user biometric information is provided in the wireless terminal 140 After receiving the biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) from the wireless terminal 140, The biometric information may be used to process a login process and / or a validity authentication process of the wireless terminal 140.

Further, according to the present invention, when the wireless terminal 140 is connected to the server 1300 to process a currency exchange request, the receiving unit 1315, when the wireless terminal 140 is connected, the wireless terminal ( 140, a predetermined exchange request interface for selecting and / or inputting the exchange request information may be provided.

In addition, according to the present invention, the reception unit 1315 is provided with the financial IC chip in which the predetermined credit card information is recorded in the wireless terminal 140, in conjunction with the wireless terminal 140. According to the mobile currency exchange request according to, it is possible to receive credit card information for withdrawal of the amount corresponding to the exchange request recorded in the financial IC chip provided in the wireless terminal 140.

Here, the financial IC chip provided in the wireless terminal 140 preferably includes being mounted or detached from the wireless terminal 140.

In addition, according to the present invention, the reception unit 1315, in conjunction with the wireless terminal 140, further receives the exchange date information and / or currency exchange branch information corresponding to the exchange request from the wireless terminal 140. Can be.

In addition, the receiving unit 1315, in conjunction with the wireless terminal 140, the account information-account-specific information and / or account of the account to which the amount of money exchanged in response to the exchange request from the wireless terminal 140 is transferred And account information including at least one owner information and / or financial institution information corresponding to the account.

In addition, according to the present invention, the exchange processing settlement unit 1305 shown in conjunction with a credit card company server or a currency exchange server (or bank server) corresponding to the credit card information, received through the receiving unit 1315 The amount corresponding to the currency exchange request information is withdrawn from the credit card, and the transfer unit 1325 transfers the credit card withdrawal details and the deposit account information to the currency exchange server (or the bank server) 145 for currency exchange processing. You can request to perform

Here, the amount withdrawn (or settled) from the credit card may be deposited into a virtual account forcibly allocated to the wireless terminal user, or may be deposited into an account designated by the wireless terminal user, or the wireless terminal ( Deposit processing may be made to an account corresponding to the financial IC chip provided at 140.

In addition, according to the present invention, when the wireless terminal 140 is provided with a predetermined exchange processing program, the receiving unit 1315, in response to the execution result of the program, the exchange request from the wireless terminal 140 Exchange office information corresponding to the exchange may be further received, and the transmission unit 1325 exchanges money processed through the currency exchange server (or bank server) 145 to a currency exchange office server (or terminal) corresponding to the currency exchange request. The processing history information and the wireless terminal 140 and / or the wireless terminal user information and / or the credit card information may be transmitted.

In addition, the receiving unit 1315 may further receive exchange date information corresponding to the exchange request from the wireless terminal 140, and the transmission unit 1325 may be linked with a predetermined wireless message transmission center server. On the day and / or before the exchange date, the wireless terminal may transmit predetermined code information corresponding to the currency exchange history information and / or currency exchange history and / or virtual account information in which the exchanged amount of money has been deposited. .

In addition, the aforementioned currency exchange processing request information may include information on the currency type and currency request amount of the currency to be exchanged. Exchange date information and / or currency exchange branch information corresponding to the exchange request, account information of an account to which the amount of money exchanged corresponding to the exchange request is transferred, account holder information to which the exchanged amount is transferred, and the exchange It may further include at least one or more financial institution information corresponding to the account is transferred.

On the other hand, the server 1300 shown is characterized in that it comprises a recording medium, characterized in that for recording the program for executing the functions of the at least one server component described above.

15 is a diagram illustrating a functional configuration of a wireless terminal according to an embodiment of the present invention.

More specifically, FIG. 15 is a simple functional configuration diagram of the client wireless terminal 140 requesting a currency exchange request, and the illustrated wireless terminal 140 exchanges money with the server 1300 as shown in FIG. It is characterized by requesting a mobile currency exchange request according to the present invention by providing currency exchange request information and currency exchange request amount withdrawal credit card information including target currency type and currency exchange amount information.

In particular, FIG. 15 illustrates that the wireless terminal 140 operating on the mobile communication system is applied to the mobile currency exchange process according to the present embodiment. It consists of a body, speaker, microphone, keypad, liquid crystal display (LCD), antenna, battery, etc. from the side, and internally, code division multiple access (CDMA) modem, CPU / MPU (Central Processing) Duplexer filter that separates transmission and reception signals from a predetermined modem chip (eg, MSM series modem chip of Qualcomm, Inc.), various memory elements, and one antenna incorporating functions such as a unit / micro processing unit) and a vocoder, etc. Power amplifiers that amplify transmitted signals, high power amplifiers (HPAs), isolators that prevent high power transmission signals from reversing RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion circuit in the receive path, VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to the reference clock source, frequency And a codec chip for converting an analog voice signal into a digital signal, and a UHF frequency synthesizer used as a local signal for up-down conversion.

Preferably, the functional configuration of the wireless terminal 140 referring to the above-described hardware characteristics, the control unit 1500, the output unit 1510, the key input unit 1515, the wireless processing unit 1525 and the near Comprising a communication unit 1530, a storage unit 1535 and the interface 1505, the financial IC chip 1540 equipped with at least one or more credit card information required for mobile exchange and the exchange IC chip 1540 It may be configured to include a reader 1520 for reading the credit card information from).

Referring to FIG. 15, the controller 1500 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a function specific to a wireless terminal from a predetermined memory device. It is preferable to include a program routine (Routine) and / or a bus (BUS) for inputting and outputting the program data and a predetermined electronic circuit (or integrated circuit) provided for this.

In addition, the controller 1500 is a generic term for program routines and / or program data which are loaded into the execution memory from a predetermined memory device and / or chipset by software and are processed by the processor to perform a specific function. In addition, various functions to be implemented in the wireless terminal 140 are realized by the control unit 1500, and in order to realize predetermined functions included in the wireless terminal 140, the overall operation of the wireless terminal 140 is controlled and Characterized in that the management.

In particular, the control unit 1500 is provided with a predetermined program routine to be recorded on the recording medium of the wireless terminal 1500, in order to control and manage the overall operation required for the exchange request using the wireless terminal 140. desirable.

Here, the wireless terminal 140 loads an operating system routine, a system management routine, and / or system variables into the execution memory from the memory provided in the wireless terminal 140 while a predetermined power is input and booted, and the processor. The controller 1500 may be configured to be arithmetic processed by the controller 1500, whereby each functional configuration of the wireless terminal 140 may be operated.

In particular, the control unit 1500 stores the credit card information read from the financial IC chip 1540 or the memory provided in the wireless terminal 1400, the currency type, and the currency exchange amount information. It may be configured to include an interface 1505 for transmitting a predetermined exchange processing request information including.

In addition, the interface 1505 further transmits member information including a user account (ID) and a password to the server 1300 through the wireless processor 1525 provided in the wireless terminal 140, and / Or IC chip serial numbers stored in the IC chip 1540 which are further transmitted to the server 1300, and / or predetermined predetermined certificate information, and / or mounted or detached from the wireless terminal 140 to the server 1300; And / or further transmit IC chip information including the IC chip unique code and / or user specific information stored in the IC chip 1540, and / or the social security number and / or name, and / or operation to the server 1300. Further transmit personal information including a license number and / or health insurance number, and / or to the server 1300 the fingerprint, hand, iris, voice, face, signature, retina, vein At least one DNA (Deoxyribo Nucleic Acid) Further transmit biometric information, and / or transmit the exchange date information and / or the exchange office information corresponding to the exchange request to the server 1300, and / or to the exchange request to the server 1300. And further transmitting the account information of the account to which the corresponding exchanged amount is transferred, including account-specific information and / or account holder information and / or financial institution information corresponding to the account. .

In addition, the interface 1505 may further transmit the exchange date information corresponding to the exchange request to the server 1300, and the exchange processing history from the server 1300 on and / or before the exchange date Predetermined code information corresponding to the information and / or exchange processing details and / or virtual account information in which the exchanged amount of money is deposited may be received.

Preferably, the exchange related information transmitted and received through the interface 1505 may be encrypted (or digitally signed) based on a wireless public key infrastructure (WPKI).

The output unit 1510 included in the wireless terminal 140 is a liquid crystal display (LCD) driver for outputting a predetermined screen, and outputs predetermined information or data to the controller 1500 (for example, an LCD). Key data generated through the key input unit 1515 by a program routine, and various information, signals, and / or contents (eg, extracted and / or generated in the course of performing a predetermined function included in the wireless terminal 140). , Text content, image content, and / or multimedia content) may be output to the LCD.

Particularly, according to the present embodiment, when the output unit 1510 receives predetermined exchange processing history information corresponding to the exchange request from the server 1300 at the interface 1505, the received exchange exchange history is received. It is characterized by outputting information.

In addition, the output unit 1510 further transmits the exchange date information corresponding to the exchange request from the interface 1505 to the server 1300, and from the server 1300 on the day and / or before the exchange date When receiving the exchange information and / or predetermined code information corresponding to the exchange processing history and / or the virtual account information in which the exchanged money is received, the exchange processing history information received from the server 1300 And / or the predetermined code information corresponding to the exchange processing history and / or the virtual account information in which the exchanged amount of money is deposited.

The key input unit 1515 included in the wireless terminal 140 includes a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Reads (eg, reads from a table storing information or signals matching the key data) from the at least one or more key data input from the at least one key data, and transmits the predetermined information or signal to the controller 1500. Can be done.

The wireless processing unit 1525 provided in the wireless terminal 140 generally has a location registration and / or a slot mode and / or in association with the control unit (eg, a program routine for providing a mobile communication service). A mobile communication service including a power control and / or hand-off and / or call processing procedure is provided, and at the end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) for performing transmission and reception of radio frequency signals with a corresponding mobile base station.

In addition, the wireless processing unit 1525 processes the information or a signal transmitted from the wireless terminal 140 to the mobile base station in a CDMA stack to provide the mobile communication service, or from a CDMA stack received from the mobile base station. Provides the ability to read information or signals.

According to one embodiment of the present invention, exchange request related information transmitted from the exchange processing server 1300 and / or received from the exchange processing server 1300 through the above-described network is transmitted through the wireless processing unit 1525. It is preferable to be transmitted to the exchange server 1300 and / or received by the wireless terminal 140 via a wireless network.

The short-range communication unit 1530 included in the wireless terminal 140 includes infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), WLAN (Wireless LAN), and Wi-Fi (Wi-Fi). In the future, it is possible to provide at least one short-range wireless communication function provided in the wireless terminal, and to provide a predetermined terminal with the same short-range wireless communication means and a predetermined wireless message based on a protocol defined in the short-range wireless communication means. Can send and receive

In particular, the short-range communication unit 1530 further transmits exchange date information corresponding to the exchange request from the interface 1505 to the server 1300, and from the server 1300 the day and / or date of the exchange date. When receiving the exchange information, and / or the predetermined code information corresponding to the exchange processing history and / or the virtual account information in which the exchanged amount of money has been deposited, upon withdrawal of the exchanged amount of money, to the money exchange office terminal. And short-range communication means for transmitting predetermined code information corresponding to the currency exchange processing history information and / or currency exchange processing history and / or virtual credit card information in which the exchanged amount of money has been deposited.

When the storage unit 1535 included in the wireless terminal 140 receives predetermined exchange processing history information corresponding to the exchange request from the server 1300 at the interface 1505, the received exchange exchange history is received. Information and / or predetermined code information corresponding to the currency exchange history information and / or currency exchange history from the server 1300 and / or before the exchange date on the interface 1505, and / or the exchanged amount of money. In the case of receiving the deposited virtual account information, storing the exchange information and / or predetermined code information corresponding to the exchange processing history and / or the virtual account information in which the exchanged amount of money is deposited in the memory. Characterized in that.

Here, the memory is input and output when an operation by a predetermined program routine (or code) and / or program data (eg, program routine (or code)) for controlling the overall operation of the wireless terminal 140 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory) and the like.

In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. In the EEPROM, at least one information and / or data, etc., which are extracted and / or generated while executing an application provided in the wireless terminal, are stored in the EEPROM.

In particular, the memory has a function of providing a selection and / or input interface of the exchange request information, which is executable through the control unit 1500 when the mobile exchange request is performed according to the present embodiment, and corresponding to the exchange request. A function of providing a selection and / or input interface of credit card information for money withdrawal and an IC chip mounted and / or detached from the wireless terminal 140 for credit card information for money withdrawal corresponding to the currency exchange request. A function for reading out from the server, a function for transmitting the information to the currency exchange processing server, predetermined code information corresponding to currency exchange history information and / or currency exchange processing details from the currency exchange processing server, and / or the amount of money exchanged. The function of receiving the deposited virtual credit card information, the exchange processing history information received from the currency exchange processing server, and / or the exchange processing history. A function of outputting and / or storing in a predetermined memory (or an IC chip) virtual account information in which predetermined code information and / or the exchanged amount of money have been deposited, and a function of authenticating the wireless terminal user. One or more predetermined exchange processing programs may be provided.

The financial IC chip 1540 mounted on or detached from the wireless terminal 140 is configured with reference to the IC chip 440 and EMV standards including ISO / IEC 7816 and / or ISO / IEC 14443. Preferably, the financial IC chip may include a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and / or an input / output (I / O) or the like. A processor unit comprising an input / output interface communicating with the wireless terminal through the same contact point, and at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor; And a memory unit including at least one memory device including a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), and a flash memory (FM).

In particular, at least one of the memory devices includes a chip operating system (COS) for managing and operating internal resources of the financial IC chip, and at least one of the remaining memory devices provides a service using the financial IC chip. At least one IC chip storage information is preferably provided for providing.

According to an embodiment of the present invention, the financial IC chip 1540 has a card issued by a predetermined card company (or financial company) required for withdrawal of the amount corresponding to the exchange request when the exchange processing request in a wireless environment. It is desirable that information (eg, Credit Card and / or Check Card, etc.) be stored.

The reader 1520 provided in the wireless terminal 140 may read credit card (or check card) information from the financial IC chip 1540 at the time of an exchange request according to the present invention.

In particular, the reader 1520 is provided between the financial IC chip 1540 and a predetermined currency exchange program provided in the wireless terminal based on an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. Information and / or data exchange.

For example, the reader 1520 may provide information and / or data exchange between the exchange related program and the financial IC chip 1540 through an application protocol data unit (APDU).

On the other hand, the illustrated wireless terminal 140, the function of providing a selection and / or input interface of the predetermined exchange processing request information, and the credit card information for withdrawing the amount corresponding to the exchange request, the wireless terminal 140 A function of reading from the IC chip 1540 mounted and / or detached from the IC chip, transmitting the exchange request information and credit card information to the server 1300 on the network, and performing a currency exchange process from the server 1300. A function of receiving predetermined code information corresponding to the details information and / or exchange processing details and / or virtual account information in which the exchanged amount of money has been deposited, and the exchange processing history information received from the server 1300 and / or Executes a function of outputting predetermined code information corresponding to the exchange processing details and / or virtual account information in which the exchanged amount of money is deposited and / or storing in a predetermined memory (or IC chip) And a recording medium characterized in that a program for recording the same is recorded.

Here, the program may further include a function of authenticating the exchange request user.

Hereinafter, the exchange processing request process using the exchange processing system in the wireless environment described above will be described in more detail.

In addition, it is noted that the server 1300 described below may include at least one of a financial company server, a card company server, a VAN company server, a mobile communication company server, and a server on a network.

Figure 16 is a simple flowchart of a currency exchange request process using a credit card in a wireless environment according to an embodiment of the present invention.

In FIG. 16, a wireless terminal 140 of a user requiring a currency exchange connection is connected to a server 1300 that processes mobile currency exchange in a wireless environment, thereby communicating a communication session between the wireless terminal 140 and the server 1300. As an embodiment in which a mobile currency exchange request is made according to the present embodiment while the connection is continuously performed, the present embodiment uses the wireless Internet method based on the WAP in the wireless terminal 140 to perform wireless communication on the wireless terminal. The operation of the Internet browser may be started from the process of accessing the URL of the server 1300 (1600).

When the wireless terminal 140 accesses the server 1300 through the network and requests a currency exchange service, the server 1300 authenticates the connected wireless terminal 140 and / or the user of the wireless terminal. (1605).

At this time, the authentication process for the connected wireless terminal 140 and / or the user of the wireless terminal can be performed in a variety of ways.

For example, the server 1300 requests input of a user account (ID) and / or password registered by the user in order to receive a currency exchange service under the wireless environment. The account and / or password may be received and matched with the user information pre-stored in the server 1300 to determine whether there is a match.

In addition, according to another exemplary embodiment, when the financial IC chip or the memory provided in the wireless terminal 140 is equipped with an authorized certificate permitted for the exchange service, the server 1300 is connected to the wireless terminal 140. The public certificate may be provided to authenticate the user by using the public certificate.

In addition, according to another embodiment, the server 1300 is an IC chip serial number and / or IC chip unique code and / or IC chip stored in the IC chip 1540 that is mounted or detached in the wireless terminal 140 The user unique information, etc. stored in the 1540 may be checked and authentication of the user may be performed.

Further, according to another embodiment, the user's biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA, etc.) registered by the user to receive the exchange service By requesting input or providing, the biometric information of the user input to the wireless terminal 140 may be received and authentication of the user may be performed.

After the authentication of the wireless terminal user requesting the exchange processing is completed (1610) through the above-described at least one wireless terminal user authentication process, the server 1300 corresponds to the exchange service to the wireless terminal 140. The at least one exchange request information selection and / or input interface is provided to be output on the wireless terminal 140 (1615).

If there is a selection and / or input of the exchange processing request information of the wireless terminal user through the selection and / or input interface of the exchange processing request information, the wireless terminal 140 exchanges the selected and / or input exchange processing request information. To transmit to the server 1300 (1620).

Here, the exchange processing request information input or selected through the exchange processing request information selection and / or input interface and transmitted to the server 1300, may be configured to include the information on the currency type and exchange request amount of the currency to be exchanged. In addition, the exchange request user information, information on the type of exchange preferential service to be provided when the exchange request, exchange date information corresponding to the exchange request and / or exchange shop information, and exchanged in response to the exchange request At least one or more account information of an account to which the amount is transferred, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred may be further included.

Then, the server 1300 checks the exchange rate information corresponding to the currency exchange target currency in association with a storage medium or exchange rate information storage means, applies the exchange rate information to the exchange rate, and withdraws the money to the client credit card (or Calculate the amount of information to be paid).

Further, the server 1300 is linked with the credit card company server that manages the withdrawal credit card information of the money exchange request amount of the money exchange request information received from the wireless terminal 140, the amount of the money applied for exchange It is checked whether the withdrawal is possible and the soundness of the withdrawal credit card (1625).

Here, the server 1300 may be a credit card company server, but if the server 1300 is a server associated with the credit card company server, the credit card information and withdrawal (or payment) to the credit card company server Information can be sent to check whether it is possible to withdraw money from the credit card company server.

According to another exemplary embodiment, when the server 1300 is a merchant server associated with the credit card company server, the server 1300 configures a predetermined card approval request message (or data) to be transmitted to the credit card company server. The VAN or the PG may be transmitted to the credit card company server, and the credit card company server may receive an approval response message (or data) corresponding to the card approval request to check whether the withdrawal is possible.

If it is impossible to withdraw the exchanged money amount from the credit card, the server 1300 outputs a non-exchange money amount withdrawal message to the wireless terminal 140 (1635).

On the other hand, if it is possible to withdraw the money exchange request amount from the credit card (1630), the server 1300 is linked with the money exchange server (or bank server), the money exchange corresponding to the money exchange request Request processing (1645).

In this process, if you want to transfer the exchanged amount of money to a specific account, the credit card company server receives the account information and the owner information of the transfer account is transferred from the server 1300 (1650) In operation 1655, the money exchange processing amount may be transferred to the provided account.

On the other hand, if there is no specific account transfer for the exchanged amount of money (1645), the credit card company server deposits the converted money into a virtual account forcibly allocated to the wireless terminal user, or the wireless terminal user. The deposit processing may be performed to an account designated by the bank, or the deposit processing may be performed to an account corresponding to the financial IC chip 1540 included in the wireless terminal 140 (1660).

In addition, the server 1300 processes the currency exchange history in association with the wireless terminal 140 and / or the wireless terminal user information and / or the credit card information and stores the exchange information in a predetermined storage medium (1665).

According to a preferred embodiment, the exchange processing history may be transmitted to the user wireless terminal 140 so that the user can check, and at this time, the wireless terminal user checks the exchange processing history (for example, a confirmation button). Click, etc.), to proceed to the next exchange process.

The server 1300 may be a currency exchange branch server corresponding to the currency exchange request information when the currency exchange request information is exchanged by the user of the currency exchange request user in response to the exchange request. The terminal) and transmits the exchange information and / or the predetermined code information corresponding to the exchange processing history and / or the virtual credit card information in which the exchanged amount of money has been deposited (1670) to exchange the currency of the user of the exchange request user. When visiting a branch, the user may be authenticated to provide the exchanged money amount.

If the server 1300 is further provided with exchange date information corresponding to the exchange request information, the server 1300 exchanges the transaction history information and / or exchange from the server to the wireless terminal on and / or before the exchange date. The exchange date may be notified by transmitting predetermined code information corresponding to the processing details and / or virtual credit card information in which the exchanged amount of money has been deposited.

17 is an exemplary view of a mobile exchange request wireless terminal screen according to a preferred embodiment of the present invention.

In the case where a currency exchange processing request using a credit card is performed in a wireless environment through the process of FIG. 16 described above, a screen for sequentially displaying screen information output on the screen of the wireless terminal 140 shown in FIG. It is an illustration.

18 is a simple flowchart of a currency exchange request process using a credit card in a wireless environment according to another embodiment of the present invention.

18 illustrates an embodiment in which a mobile currency exchange request is made according to the present invention through execution of a predetermined program (eg, a currency exchange program) provided in the wireless terminal 140. The illustrated embodiment shows the wireless terminal. In operation 140, the process for driving the program for the exchange request may be started.

Here, the driving of the program may be performed by selecting the program driving related menu in the wireless terminal 140 or selecting the program driving key that may be separately provided in the wireless terminal 140.

When the program provided in the wireless terminal 140 is driven, the program may output predetermined currency exchange request information and / or an input interface related to a currency exchange request service on a wireless terminal screen (1805).

If an exchange request item is selected through the output of the exchange request information and / or an input interface (1810), the program requests authentication of the wireless terminal user (1815).

Here, the wireless terminal user authentication process requested by the program, the process is provided in the wireless terminal 140, a predetermined for accessing the financial IC chip 1540 for recording the credit card information for the withdrawal of the money exchange request amount Code (eg, PIN, etc.) authentication process.

When a code (for example, a PIN, etc.) for accessing the financial IC chip 1540 is input through the key input unit 1515 included in the wireless terminal 140 (1820), the program may be configured to execute the financial IC chip ( In operation 1825, an authentication process for the wireless terminal user is performed by comparing the code input from the wireless terminal user with the code recorded in the financial IC chip 1540.

If authentication of the wireless terminal user is successfully performed (1830), the program may read user financial information (eg, account or card information, etc.) stored in the financial IC chip 1540.

 The program may further include information on the currency type and currency request amount required for the currency exchange request, information on the currency exchange user, information on selection of preferential currency exchange services to be provided at the time of currency exchange, and on the currency exchange request. Corresponding currency exchange date information and / or currency exchange branch information, account information of an account to which the exchanged amount is exchanged in response to the exchange request, account holder information to which the exchanged amount is transferred, and the exchanged amount Waiting for selection and / or input of exchange request information including at least one financial institution information corresponding to the account (1835).

When the selection and / or input of the exchange processing request information is performed from the wireless terminal user through the selection and / or input interface 1840, the program exchanges the selected and / or input exchange processing request information. In operation 1845, the server 1300 transmits the data to the server 1300 through the wireless processor 1525 of the wireless terminal 140.

Here, the program generates a exchange request message including the selected and / or input exchange processing request information, wherein the generated exchange request message is transmitted through a mobile communication network including the base station and the switching center and a packet data service node. It is preferable to be transmitted to the exchange server.

Hereinafter, the process of currency exchange will be described with reference to 1625 to 1670 of FIG.

19 is a view illustrating a mobile exchange request wireless terminal screen according to another preferred embodiment of the present invention.

In the case where the mobile currency exchange application is in progress through the above-described process of FIG. 18, it is a screen example of sequentially displaying screen information output on the screen of the wireless terminal 140 illustrated in FIG. 15.

Hereinafter, the embodiment described with reference to FIGS. 20 through 25 will be described with reference to FIGS. 2, 7, 9, and 11 as described above, after the exchange process using the client credit card is successfully performed. Extracting and / or generating a predetermined currency exchange amount withdrawal approval code corresponding to a currency exchange history, and transmitting and storing it to the client wireless terminal 140 so as to withdraw the exchange rate corresponding to the currency exchange history. It is characterized in that for outputting the exchange amount withdrawal approval code stored in, and / or provided to a predetermined exchange terminal.

According to the present embodiment, the server is preferably configured to include a server or a credit card company server or a currency exchange server or a bank server on the network to perform or act on the exchange.

20 is a view showing a schematic configuration of an exchange processing system according to an embodiment of the present invention.

Referring to FIG. 20, the illustrated currency exchange processing system includes a client terminal for providing predetermined exchange request information to a server (or terminal) and a currency exchange server (or terminal) that performs a predetermined exchange processing task in response to the exchange request. It may be configured to include).

Preferably, the exchange request information provided from the client terminal to the exchange server (or terminal) through a wired or wireless network may include information on the currency type and currency request amount and the amount corresponding to the exchange request. Credit card (or check card) information, the exchange request client information, selection information of the kind of exchange preferential service to be provided in the exchange request, exchange date information corresponding to the exchange request and / or exchange office information, Account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or account information of the account to which the amount exchanged in response to the exchange request is transferred), and the second client information (or Account holder information to which the exchanged amount is transferred) and financial institution information corresponding to the account to which the exchanged amount is transferred. Characterized in that it comprises at least one or more.

More specifically, the currency exchange processing server (or terminal) is further provided with predetermined wireless terminal number information from the client terminal, and / or in conjunction with a database storing predetermined member information, the wireless terminal of the client. Using the wireless terminal number confirming unit 2030 for extracting number information and the wireless terminal number information confirmed through the wireless terminal number confirming unit 2030, the foreign currency exchange history information (and / or the It may be configured to include an information transmitting unit 2015 for transmitting a predetermined exchange amount withdrawal authorization code extracted and / or generated corresponding to the exchange process.

In addition, the currency exchange processing server (or terminal) stores predetermined currency exchange history information corresponding to the currency exchange process in association with the client information and / or account (or card) information of the client and stored in a predetermined storage medium. The storage unit 2020 may be further included.

In addition, the exchange processing server (or the terminal) exchanges the money by applying a predetermined exchange preferential rate with reference to the client information and / or currency exchange application information (such as the money exchange amount) of the client, and / or the currency exchange It may further comprise an incentive providing unit 2025 for providing a predetermined point and / or mileage to the client in response to the processing.

In addition, when the exchange information server of the exchange processing server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client terminal, the exchange office to the exchange office server (or terminal) corresponding to the exchange request The transaction information, the client information, and / or the client's own account (or card) information and / or the radio terminal number information may be transmitted.

Referring to FIG. 20, the illustrated wireless terminal stores the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted by the exchange processing server (or terminal) in a predetermined memory, and the exchange processing history. When the exchange amount corresponding to the withdrawal amount is withdrawn, the exchange processing history information (and / or the exchange amount withdrawal approval code) stored in the memory may be output and / or provided to a predetermined exchange terminal.

Preferably, the exchange processing history information includes currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information of the currency exchange client, Information on the type of exchange preferential service provided at the time of the exchange request, information on the date of exchange and / or exchange office, and information on the credit card (or check card) of the second client to withdraw the exchange amount provided in response to the exchange process; (Or account information of an account to which the exchanged amount is transferred in response to the exchange request), the second client information (or account holder information to which the exchanged amount is transferred), the second client wireless terminal number information, And, the exchanged amount may be configured to include at least one or more financial institution information corresponding to the account to be transferred.

Here, the wireless terminal may be a wireless terminal of the exchange request client or a wireless terminal of a second client to withdraw the exchange amount provided in response to the exchange process, and the exchange processing history information (and / or exchange amount) Withdrawal approval code) is preferably transmitted to the exchange terminal through a predetermined short-range communication.

The exchange terminal shown in Figure 20, in conjunction with the exchange processing server (or terminal), after verifying the validity of the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the wireless terminal, the wireless The terminal owning client is allowed to withdraw the exchange amount corresponding to the exchange processing history information (and / or the exchange amount withdrawal authorization code).

Preferably, the money exchange terminal comprises at least one of a teller terminal provided at a financial company branch, an ATM, a CD, a KIOSK, and an automated currency exchange device.

Figure 21 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

Figure 21 generates and / or extracts a predetermined exchange withdrawal authorization code corresponding to the exchange processing history in the exchange process according to the present invention, and provides the generated exchange exchange withdrawal approval code to the client wireless terminal By, for the process of performing a currency exchange withdrawal using the currency exchange withdrawal approval code.

Referring to FIG. 21, the exchange request client may be started from a process of transmitting the exchange request information according to the present invention by connecting to the exchange processing server through a wired or wireless network using a predetermined terminal (2100).

The exchange processing server, having received the exchange request information from the client terminal, performs a currency exchange operation through the exchange exchange request information (2105), and exchanges the currency exchange history information according to the exchange process. And / or stored in a predetermined storage medium in association with credit card (or check card) information (2110).

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server, the amount of money to be exchanged is withdrawn from the credit card (or check card) of the client, which is included in the exchange application information or previously stored in a customer information database or the like. And / or the exchange processing operation may be performed through the money deposited by the client to an account assigned by the exchange processing server (and / or financial server).

Further, according to a preferred embodiment, the exchange processing server generates (and / or extracts) an exchange rate withdrawal authorization code corresponding to the exchange exchange history to be transmitted to the client wireless terminal (2115), and generates (and / or The extracted exchange amount withdrawal approval code is stored in a storage medium in association with the exchange request information and / or the client information and / or the client credit card (or check card) information (2120).

Then, the exchange processing server searches for the client wireless terminal information to transmit the generated (and / or extracted) exchange money withdrawal authorization code in association with a customer database (2125). If the wireless terminal information does not exist (2130), the currency exchange processing server requests (2135) the wireless terminal information to transmit the generated exchange rate withdrawal authorization code to the client terminal (2135), from the client terminal In operation 2140, wireless terminal information for receiving the exchange money withdrawal authorization code may be obtained.

On the other hand, if the client's wireless terminal information already exists in the customer database (2145), the currency exchange processing server extracts the client's wireless terminal information from the customer database (2150), or extracts from the customer database or The exchange amount withdrawal authorization code is transmitted to the client wireless terminal using the wireless terminal information of the client received from the client terminal (2155).

Preferably, the exchange processing server may transmit a predetermined message (for example, a text message) to the client wireless terminal informing the transmission of the exchange money withdrawal authorization code, wherein the message is connected to the exchange processing server and And / or a predetermined callback URL for downloading a currency exchange withdrawal authorization code.

Then, the wireless terminal may store the exchange amount withdrawal authorization code transmitted from the exchange processing server in a memory provided in the wireless terminal and / or an IC chip detachable from the wireless terminal (2160).

And, when withdrawing the exchange money amount, the wireless terminal provides a currency exchange withdrawal authorization code stored in the memory and / or IC chip to a predetermined currency exchange terminal, wherein the exchange money withdrawal authorization code is the wireless terminal and the currency exchange terminal. Predetermined data communication (e.g., infrared ray communication, radio frequency (RF) communication, Bluetooth communication, wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, etc.) It can be transmitted using the (2165).

In addition, according to another preferred method, when the exchange amount withdrawal authorization code is in the form of a barcode, the exchange terminal scans the exchange amount withdrawal authorization code output to the wireless terminal, to provide the exchange amount withdrawal authorization code I can receive it.

As described above, the exchange terminal receiving the exchange rate withdrawal approval code from the wireless terminal, in connection with a storage medium that stores the exchange rate withdrawal authorization code and / or currency exchange processing corresponding thereto, the exchange exchange provided from the wireless terminal The validity of the withdrawal authorization code is verified (2170).

If the validity check for the exchange value withdrawal authorization code provided from the wireless terminal fails (2175), the exchange terminal may provide the wireless terminal and / or the client with the exchange amount withdrawal authorization code authentication failure message ( 2180).

On the other hand, if the validity of the exchange rate withdrawal authorization code provided from the wireless terminal is authenticated (2185), the exchange terminal may provide the client with a currency exchange amount corresponding to the exchange rate withdrawal authorization code (2190).

22 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

22 is a currency exchange process in response to an exchange request of the client, without generating and / or extracting a predetermined currency withdrawal approval code corresponding to the currency exchange process described above with reference to FIG. 21 in the currency exchange process according to the present invention. The present invention relates to a process of providing money exchange processing history information to the client wireless terminal and using the currency exchange processing history information to withdraw money exchange amount from a currency exchange terminal.

Referring to FIG. 22, in the illustrated embodiment, a currency exchange client uses a predetermined terminal to access a currency exchange processing server through a wired or wireless network, and transmits currency exchange request information according to the present invention (2200). The exchange processing server, which has received the exchange request information from the server, may be started from a process of performing a currency exchange operation through the exchange exchange request information transmitted (2205).

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server, withdraw the amount of money to be exchanged from the credit card (or check card) of the client included in the exchange request information, or previously stored in the customer information database, etc. And / or the exchange processing operation may be performed through the money deposited by the client to an account assigned by the exchange processing server (and / or financial server).

Here, the exchange processing server stores the exchange processing history information according to the exchange processing operation in a predetermined storage medium in association with the client information and / or credit card (or check card) information (2210).

In operation 2215, the exchange processing server searches for the client wireless terminal information to transmit the exchange processing history information in association with a customer database.

If there is no wireless terminal information of the client in the customer database (2220), the exchange processing server requests the wireless terminal information to transmit the exchange processing history information to the client terminal (2225), and from the client terminal. The wireless terminal information to receive the exchange processing history information may be acquired (2230).

On the other hand, if the wireless terminal information of the client is already present in the customer database (2235), the currency exchange processing server extracts the wireless terminal information of the client from the customer database (2240), or from the customer database or The exchange processing history information is transmitted to the client wireless terminal by using the wireless terminal information of the client received from the client terminal (2245).

As described above with reference to FIG. 21, the exchange processing server may transmit a predetermined message (for example, a text message) informing the transmission of the exchange processing history information to the client wireless terminal. A predetermined callback URL for accessing a currency exchange server and / or downloading currency exchange history information may be included.

The wireless terminal stores the exchange processing history information transmitted from the exchange processing server in a memory provided in the wireless terminal and / or an IC chip detachable from the wireless terminal (2250). The currency exchange amount withdrawal process may be performed by providing the exchange terminal with exchange processing history information stored in the memory and / or IC chip of the wireless terminal.

As described above with reference to FIG. 21, the exchange processing history information stored in the memory and / or the IC chip of the wireless terminal is transmitted to the exchange terminal by infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth). It may be transmitted using predetermined data communication including communication, wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, and the like (2255).

In addition, when the exchange processing history information includes a form of a predetermined bar code, the exchange terminal may be provided with the exchange processing history information by scanning the bar code and the like output to the wireless terminal.

The exchange terminal having received the exchange processing history information on the exchange request of the client from the wireless terminal interoperates with a storage medium for storing the exchange processing history, and exchange information and / or client information provided from the wireless terminal. The validity can be checked at 2260.

If the validity authentication for the exchange processing history information provided from the wireless terminal fails (2265), the exchange terminal may provide the wireless terminal and / or the client with the exchange processing history information authentication failure message (2270). .

However, if the validity of the exchange processing history information provided from the wireless terminal is authenticated (2275), the exchange terminal may provide the client with a currency exchange amount corresponding to the exchange processing history information (2280).

FIG. 23 is a diagram showing a schematic configuration of an exchange processing system according to another embodiment of the present invention.

According to another implementation method, the currency exchange processing system shown in FIG. 23 includes, according to another implementation method, details of currency exchange processing corresponding to a currency exchange request of a client (eg, a currency exchange client) and / or a currency exchange amount withdrawal code generated (or extracted) corresponding thereto. Is provided to a second client wireless terminal designated (or selected) by the client, and receives the exchanged money withdrawal code generated and / or correspondingly exchanged. Through the terminal, it is characterized in that the money exchange amount is withdrawn.

In addition, each component on the exchange processing system shown in this figure may be configured in the same manner as the components of the exchange processing system described in FIG. 20, and the details of the exchange processing to the second client wireless terminal and / or In order to transmit the exchange amount withdrawal code generated (or extracted) correspondingly, it may be configured to further include an additional function.

Preferably, the illustrated currency exchange processing system includes a client terminal for providing predetermined exchange request information to a server (or terminal) and an exchange processing server (or terminal) for performing a predetermined exchange processing task in response to the exchange request. Can be configured.

Referring to FIG. 23, the exchange processing server (or terminal) is further provided with predetermined wireless terminal number information from the client terminal, and / or wirelessly connected with a database storing predetermined member information. Extracting and / or corresponding to the exchange processing history information (and / or corresponding to the exchange processing) to the wireless terminal using a wireless terminal number confirmation unit for extracting number information and wireless terminal number information confirmed through the wireless terminal number confirmation unit; And / or an information transmission unit for transmitting the generated predetermined exchange money withdrawal approval code).

In addition, the wireless terminal shown in the drawing, the second currency to withdraw the money exchange amount provided in correspondence with the money exchange processing information (and / or money exchange amount withdrawal authorization code) sent from the money exchange processing server (or terminal) Characterized in that the transmission to the wireless terminal of the client.

Here, the wireless terminal of the second client stores the currency exchange history information (and / or a currency exchange withdrawal authorization code) transmitted by the client wireless terminal in a predetermined memory, and exchanges the currency corresponding to the currency exchange history. At the time of withdrawal, the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory may be output and / or provided to a predetermined exchange terminal, and the exchange processing history may be provided through predetermined short-range communication. Information (and / or an exchange code withdrawal authorization code) may be transmitted to the exchange terminal.

Further, the exchange terminal, in cooperation with the exchange processing server (or terminal), authenticates the validity of the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted (provided) from the second client wireless terminal. After that, it is characterized in that withdraw the exchange amount to the second client.

Further, the currency exchange processing information includes currency exchange currency type information, currency exchange amount information, client credit card (or check card) information, currency exchange client information, wireless terminal number information of the currency exchange client, A credit card (or check card) of a second client to withdraw the exchange preferential service type information provided at the exchange request, the exchange date information and / or the exchange office information, and the exchange amount provided in response to the exchange process; Information (or account information of an account to which the exchanged amount is transferred in response to the exchange request), the second client information (or account holder information to which the exchanged amount is transferred), and the second client radio terminal number information. And, it is preferable to include at least one or more financial institution information corresponding to the account to which the exchanged amount is transferred .

24 is a simple flowchart of an exchange processing process according to another preferred embodiment of the present invention.

Figure 24 shows the exchange processing history information (and / or exchange amount withdrawal authorization code) processed in response to the exchange request of the client through the exchange processing system described above with reference to FIG. 23 in the exchange process according to the present invention. The method is provided to the second client wireless terminal designated (or selected) by the client, and the second client performs the withdrawal of the exchange amount from the exchange terminal using the received exchange processing history information.

Referring to FIG. 24, in the illustrated embodiment, a client (eg, a currency exchange client) accesses a currency exchange server through a wired / wireless network, transmits currency exchange request information (2400), and exchanges a currency exchange request transmitted from the client terminal. Through the information, it may be started from the process of performing a predetermined exchange processing operation (2405).

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server, the amount of money to be exchanged is withdrawn from the credit card (or check card) of the client, which is included in the exchange application information or previously stored in a customer information database or the like. And / or the exchange processing operation may be performed through the money deposited by the client to an account assigned by the exchange processing server (and / or financial server).

When the exchange processing operation is performed, the exchange processing server stores the exchange processing history information (and / or the exchange amount withdrawal authorization code) according to the exchange processing in association with the client information and / or credit card (or check card) information. Stored in the medium (2410).

Here, in the case where the exchange request client is to receive the exchange processing history information (and / or the exchange amount withdrawal authorization code) from his wireless terminal (2415), the process of FIG. 21A or B of FIG. According to the present invention can be carried out.

However, according to the present embodiment, if the exchange request client wants to transmit the exchange processing history information (and / or a currency exchange withdrawal authorization code) to the wireless terminal of the second client (2420), the exchange service server is the client. Requesting the second client information and / or the wireless terminal information to withdraw the exchange processing amount to the terminal (2425), and receives the second client information and / or wireless terminal information to withdraw the exchange processing amount from the client terminal It may be (2430).

Then, the exchange processing server stores the second client information and / or wireless terminal information in association with the exchange processing history information (and / or a currency exchange withdrawal authorization code) (2435), and the second client wireless terminal information. 2, the exchange processing history information (and / or the exchange amount withdrawal authorization code) is transmitted to the second client wireless terminal.

Then, the second client wireless terminal stores the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the exchange processing server in the memory and / or the IC chip provided in the wireless terminal (2445), According to the present invention, the second client corresponds to the exchange processing history information (and / or exchange amount withdrawal authorization code) by using the exchange processing history information (and / or exchange amount withdrawal authorization code) provided to the wireless terminal. You can withdraw the exchange money.

Referring to FIG. 24, when the second client wants to withdraw the exchange amount of money, the exchange terminal stores the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the wireless terminal. Provided by (2450).

As described above, it is preferable that predetermined short-range data communication is used for the transfer of the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the radio terminal.

For example, short-range data communication between the wireless terminal and the exchange terminal may include infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, wireless LAN communication, Wi-Fi communication, It may include ZigBee communication, UWB communication and the like.

When the exchange processing history information (and / or the exchange amount withdrawal authorization code) is transmitted from the second client wireless terminal, the exchange terminal works in conjunction with the storage medium, and the exchange processing history information (and / or currency exchange) provided from the wireless terminal. The amount of money withdrawal approval code) is checked (2455), and authentication of the provided exchange processing history (and / or exchange amount of money withdrawal authorization code) is performed.

Here, if the authentication for the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal fails (2460), the exchange terminal is the exchange processing history (and / or exchange amount withdrawal authorization code) authentication The failure message may be provided to the second client radio terminal and / or the client (2465).

On the other hand, if the authentication of the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal is successful, the exchange terminal exchanges the exchange processing history information provided from the wireless terminal to the second client (and / or Or a currency exchange amount corresponding to a currency exchange withdrawal authorization code) (2470).

Figure 25 is a simplified diagram of an information storage medium according to a preferred embodiment of the present invention.

The illustrated storage medium stores at least one or more pieces of information required for performing the exchange processing process according to the present invention, and is preferably provided on the exchange processing system of FIGS. 20 and 23 described above.

In particular, the storage medium is provided in the exchange processing server on the exchange processing system shown in FIGS. 20 and 23, and / or on a predetermined network connecting respective components on the exchange processing system, and It may be provided in the exchange terminal.

According to the present invention, as shown in the drawing, the storage medium, the exchange of money exchange processing based on the exchange request information and / or the exchange request information transmitted (or provided) from the client terminal to the exchange processing server at the exchange request Processing history information may be included.

Here, the exchange request information stored in the storage medium may include information on the currency type and currency request amount, and / or credit card (or check card) information for withdrawing the amount corresponding to the exchange request, and / or the In response to the exchange request client information, and / or selection information of the type of exchange preferential service to be provided upon the exchange request, and / or the exchange date information and / or the exchange office information corresponding to the exchange request, and / or the exchange process Credit card (or check card) information of the second client to withdraw the exchange amount provided (or account information of the account to which the money exchanged in response to the exchange request is transferred), and / or the second client information (or the Account holder information to which the exchanged amount is transferred), and / or financial institution information corresponding to the account to which the exchanged amount is transferred. Can be configured.

Further, the exchange processing history information that can be stored in the storage medium may include currency exchange currency type information, currency exchange amount information, and / or client credit card (or check card) information, currency exchange client information, and / Or in response to the radio terminal number information of the exchange request client, and / or the exchange preferential service type information provided in the exchange request, and / or the exchange date information and / or the exchange office information, and / or the exchange process. Credit card (or check card) information of the second client (or account information of the account to which the money exchanged in response to the exchange request) is transferred, and / or the second client information (or the currency exchange) Account holder information to which the transferred amount is transferred), and / or the second client radio terminal number information, and / or the account to which the converted amount is transferred. The financial institution information that can be configured to include at least one.

Hereinafter, the embodiment shown in FIGS. 26 to 34 shows that the currency exchange processing history (and / or the exchange money receipt code corresponding to the currency exchange processing) is exchanged in the server in the process of currency exchange using a credit card according to the present invention. To the client, the client terminal stores the currency exchange details (and / or a money exchange amount receipt code corresponding to the money exchange history) on an IC card, and upon receipt of the money exchange amount, a predetermined currency exchange terminal receives the IC. Receiving or extracting a currency exchange history (and / or a currency exchange amount receipt code corresponding to the currency exchange history) from a card; and a currency exchange amount corresponding to the currency exchange history (and / or the currency exchange history) at the currency exchange terminal. Receipt code) characterized in that, to provide a money exchange amount corresponding to the money exchange processing details.

In addition, the following embodiments are provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or system functional configurations conventionally provided in the technical field to which the present invention belongs, are omitted as possible, It mainly focuses on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

Figure 26 is a diagram showing a schematic configuration of the preferred currency exchange application and exchange amount payment system according to the present invention.

Referring to FIG. 26, a currency exchange application and a currency exchange payment system according to the present invention include a client terminal for transmitting predetermined currency exchange application information to a currency exchange server (or terminal) through a wired or wireless communication network (or a network); In connection with a financial server (or a terminal) that manages a credit card (or check card) for which an amount corresponding to the exchange request is withdrawn, performs a currency exchange processing corresponding to the currency exchange request, and corresponds to a result of performing the currency exchange processing. A currency exchange server (or terminal) which transmits a predetermined currency exchange process history (and / or a currency exchange amount receipt code corresponding to the currency exchange process history) to the client terminal, and the currency exchange process history (and / or transmitted) to the client terminal Or an IC card for storing a currency exchange amount receipt code corresponding to the currency exchange history, and a currency exchange history (and / or) from the IC card upon receipt of the currency exchange amount. After receiving or extracting a currency exchange amount receipt code corresponding to the currency exchange history, confirming the currency exchange history (and / or a currency exchange amount receipt code corresponding to the currency exchange history), and corresponding to the currency exchange history It may be configured to include a currency exchange terminal for performing a currency exchange payment.

In addition, referring to FIG. 26, the illustrated exchange request and exchange amount payment system receives the exchange exchange history information, the municipal acquisition request and the account processing request information from the exchange server (or the terminal), and the branch accounting and currency by It may be configured to further include a central server for processing the accounting.

Preferably, the client terminal for transmitting predetermined exchange request information to the exchange server (or terminal) may include a wired terminal and / or a wireless terminal.

Here, the exchange request information transmitted from the client terminal to the exchange server (or terminal) for the exchange request and the payment of the exchange amount according to the present invention, the information on the currency type and exchange request amount of the currency to be exchanged, and the exchange request Credit card (or check card) information for the withdrawal of the corresponding amount, the exchange request client information, and at least one or more selection information of the kind of exchange preferential services to be provided when the exchange request.

Further, the client terminal stores the IC card information so that the exchange processing history (and / or exchange processing code corresponding to the exchange processing history) received from the exchange server (or terminal) can be stored in the client IC card. It can be further transmitted to the exchange server (or terminal).

The exchange server (or terminal) shown in this figure is interworked with the client terminal on a wired or wireless communication network (or network), and authenticates the client for requesting the exchange of money and the payment of the exchange money according to the present invention. You can do

In addition, the exchange server (or terminal) according to the exchange request of the client and the request for payment of the exchange amount, after a predetermined exchange processing business is performed, the predetermined amount of money to be paid for the exchange processing information of the exchange processing information Can be sent to the branch server where the exchange terminal is located.

Here, the exchange server (or terminal) may transmit the exchange processing history information to the client terminal through a wired or wireless communication network (or network), the client terminal is transmitted from the exchange server (or terminal) You can print out the exchange processing history.

In addition, the exchange server (or terminal) checks the credit card (or check card) information with which the amount corresponding to the exchange request of the client is withdrawn, with reference to the exchange request information transmitted from the client terminal, and the confirmation The exchange request information may be transmitted to a financial server (or terminal) that manages the credit card (or check card).

In addition, the exchange server (or terminal) receives the exchange information whether the exchange process using the credit card (or check card) from the financial server (or terminal), the predetermined exchange content information according to the exchange process to the client terminal Send the money, receive the exchange execution information from the client terminal, and request the withdrawal of money corresponding to the exchange process to the financial server (or the terminal).

According to the present invention, the exchange server (or the terminal) checks the client personal information, etc. in performing the exchange process according to the exchange process request of the client, the predetermined exchange rate of exchange applicable to the exchange process of the client If present, the exchange rate can be applied by applying the exchange rate.

Further, when the exchange server (or the terminal) performs the exchange process, if there is a predetermined point and / or mileage that can be provided to the client in response to the exchange process, the exchange server (or terminal) transmits the point and / or mileage to the client. Can provide.

In addition, the exchange server (or the terminal) may process the exchange processing history (and / or currency exchange code corresponding to the exchange processing history) in association with the IC card information to store in a predetermined storage medium, The storage medium may be an IC chip mounted on the IC card and / or an IC chip detached from a wireless terminal and / or a storage medium on a network.

According to a preferred embodiment of the present invention, the illustrated exchange terminal may be provided with a card input unit for receiving the card information of the client requesting payment of money exchange rate, and a pin pad for receiving the password included in the card information. In this case, it is preferable that the exchange terminal includes at least one of a teller terminal, an ATM, a CD, a KIOSK, and an automated currency exchange device provided at a branch of a financial company.

In addition, the exchange terminal, when the exchange processing history (and / or currency exchange code corresponding to the exchange processing history) is stored in the client IC card, the IC card from the IC card at the request of payment of the exchange rate of the client After receiving or extracting more information, the exchange processing history (and / or the exchange processing history) associated with the IC card information in conjunction with the exchange server and / or the storage medium and / or the branch server where the exchange terminal is located. The exchange processing code corresponding to the) can be checked, and the exchange money payment can be performed.

In addition, it is preferable that the exchange terminal authenticates the validity of the IC card in the process of performing the exchange money payment task in conjunction with the IC card.

According to the present invention, the IC card may include a financial IC chip mounted on or detached from the wireless terminal.

In addition, when the above-described exchange server (or terminal) is implemented as a currency exchange server that performs currency exchange processing on a wired or wireless communication network (or network network), the illustrated currency exchange server is described in more detail from the client terminal. An interface unit for receiving predetermined exchange request information and predetermined card information (and / or account information) for receiving a currency exchange amount corresponding to the currency exchange request through a wired or wireless communication network (or a network network); A currency exchange processing unit for performing a currency exchange processing service corresponding to the exchange request in connection with a financial server (or terminal) managing a credit card (or a check card) with which the corresponding amount is withdrawn; The client receives the exchange amount of the exchange information and the card information (and / or account information) received through the interface unit. Exchange history transmitter for transmitting to the exchange terminal and / or the point of the server on which the exchange terminal position may be configured by comprising a.

The currency exchange processing server may further include a currency exchange storage unit configured to process the currency exchange process processed through the currency exchange unit in association with the card information (and / or account information) and store it in a predetermined storage medium. have.

In addition, the interface unit of the exchange processing server may transmit the exchange processing details exchanged through the exchange processing unit to the client terminal through a wired or wireless communication network (or a network).

Fig. 27 is a diagram showing the functional configuration of the IC card according to the preferred embodiment of the present invention.

According to Fig. 27, the IC card shown in connection with the client terminal at the request of the client's exchange processing, exchanges a predetermined currency exchange history (and / or a currency exchange amount corresponding to the currency exchange processing history) transmitted from the currency exchange processing server. Receipt code) data, and upon requesting payment of the client's money exchange processing amount, a currency exchange terminal (e.g., a teller terminal provided at a financial institution branch, an ATM, a CD, a KIOSK, a currency exchange processing device, etc.); In connection with the exchange money transaction code (and / or the money exchange money value code corresponding to the money exchange money) stored in the IC card, The request for payment of the money exchange processing amount corresponding to the data is performed.

Preferably, the IC card includes an interface for processing a predetermined data input / output, and an IC for storing predetermined currency exchange processing history (and / or currency exchange amount receipt code corresponding to the currency exchange processing history) input through the interface. Upon receipt of a currency exchange amount corresponding to a chip and the currency exchange process history (and / or a currency exchange amount receipt code corresponding to the currency exchange history), a currency exchange history stored in the IC chip (and / or currency exchange corresponding to the currency exchange history) Money receipt code) can be configured to include a processor for controlling the data provided to the predetermined exchange terminal through the interface.

More specifically, referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip of the IC card includes a power supply (VCC), a reset signal (RST), a clock signal (CLK), An input / output interface that communicates (e.g., exchanges commands or data) with the aforementioned client terminals and / or exchange terminals via contact points such as ground (GND), programming power supply (VPP), and / or input / output (I / O), and the like. A processor unit including at least one computing element including a central processing unit (CPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), and a random access memory (RAM). ), A memory unit including at least one memory element including an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like.

The at least one memory device (eg, a ROM) may store a Chip Operating System (COS) for managing and operating internal resources of an IC card, and a power supply (VCC) contact point of the input / output interface. When a predetermined power is supplied from the client terminal and / or exchange terminal through the COS stored in the memory unit may be loaded into a predetermined execution memory to control the overall operation of the IC chip.

In addition, the COS is connected between the IC chip and the client terminal (and / or exchange terminal) through an APDU (Application Protocol Data Unit) based on a clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal CLK contact point. You can control the exchange of information or data.

According to a preferred embodiment of the present invention, the memory unit of the IC chip has exchange information (and / or exchange amount receipt code corresponding to the exchange value) stored in the exchange processing server mounted through the client terminal. Characterized in that it is stored.

Here, the exchange information stored in the memory unit (and / or the exchange amount receipt code corresponding to the exchange process history) stored information may be driven or executed by an operation function of the processor unit and an instruction set provided by a COS. In addition, in the case of a currency exchange request and a currency exchange payment request according to the present invention, a program routine used by a program provided in the client terminal and / or a currency exchange terminal (for example, a Java applet in the case of a Javacard). It may include a processing unit corresponding to an application including an instruction call code that interacts with the instruction set of the COS and the execution code that is processed by the processor unit.

Preferably, the processing unit included in the currency exchange processing history (and / or currency exchange amount receipt code corresponding to the currency exchange processing history) stored information includes the client terminal and / or via the input / output interface through an application protocol data unit (APDU). Or reading a command provided from a program provided in a currency exchange terminal, and reading or recording at least one or more information or data stored in the data storage unit based on the read command, and as a result or read information or Data may be provided to a program provided in the client terminal and / or currency exchange terminal via the input / output interface through an APDU.

Further, the exchange information (and / or the exchange amount receipt code corresponding to the exchange value) stored in the memory unit is stored in a predetermined manner that is read, read and / or used by a program provided in the exchange terminal. It may include a data storage for storing a data set corresponding to the information or data of the.

The memory unit of the IC chip may include a security structure based on ISO / IEC 10202. The memory unit may include a protection area for storing secret information such as a chip serial number (CSN), a COS control area, and a user. The application area, the read / write access area, the application program area, and the FAT (File Allocation Table) management area may be formed for each area, and the exchange processing history (and / or the above) mounted in association with the client terminal according to the present invention. Currency exchange amount receipt code corresponding to the exchange processing history) The storage information is preferably stored in an area excluding the protection area and the COS control area.

In addition, although not shown in FIG. 27, with reference to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standards, the exchange amount of money stored in the memory unit (and / or the exchange amount received corresponding to the amount of money) Code) stored information includes one master file (MF) corresponding to a root file, an answer to reset (ATR) including function information on at least one stored information under the master file; At least one dedicated file (DF) corresponding to each ICC stored information, and an element file disposed under the dedicated file and including substantial information and / or data for a smart card service; It may be configured to include a file structure consisting of EF).

28 to 29 show that when the exchange request of the client, after the exchange processing service according to the exchange request is performed, the exchange processing history (and / or money exchange amount receipt code corresponding to the exchange processing history) of the client The amount of money exchanged is stored in an IC card and, upon request for payment of the money exchanged amount, by using the money exchange processing history (and / or a money exchange amount receipt code corresponding to the money exchange processing history) mounted on the IC card. The process of paying for

28 is a simple flowchart of a currency exchange application process according to a preferred embodiment of the present invention.

Referring to FIG. 28, the illustrated embodiment may be started from a process of requesting a currency exchange processing by accessing a currency exchange server through a wired or wireless communication network (or a network) in a client terminal (2800).

Here, the client terminal accessing the currency exchange server may be a wired terminal or a wireless terminal.

When the connection of the client terminal is confirmed, the exchange processing server may perform a predetermined authentication process for the connected client (2805).

Preferably, the authentication process may be performed using a unique ID and / or password of the client and / or public certificate and / or card (or account) information.

If the authentication process is successfully performed for the client accessing the exchange processing server (2810), according to the present invention, the client terminal transmits the exchange request information requesting a predetermined exchange request to the exchange processing server (2815).

At this time, the exchange request information includes information on the type of currency and currency request value, credit card (or check card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and the exchange request. At least one or more selection information of types of exchange preferential services to be provided may be included.

Further, the exchange request information may be obtained by using a predetermined exchange request input (or selection) interface provided from the exchange processing server and / or through a predetermined exchange request input (or selection) program provided in the client terminal. It can be sent to the exchange server.

Then, the exchange processing server checks the credit card (or check card) information with which the exchange request amount is withdrawn through the exchange request information transmitted from the client terminal (2820), and the confirmed credit card (or check card) The exchange request information may be transmitted to the financial server (or the terminal) corresponding to the information (2825).

According to the present invention, the exchange processing server (or terminal) may be exchanged with the financial server (or terminal) that manages a credit card (or check card) for which an amount corresponding to the exchange request of the client is withdrawn. It is advisable to carry out currency exchange services in response to the application.

In this case, when the credit card (or check card) with which the financial server (or terminal) withdraws the amount corresponding to the exchange request, is a current credit card (or check card), the financial server (or terminal) may be a current server (or terminal). In addition, when the credit card (or check card) from which the amount corresponding to the exchange request is withdrawn is another credit card (or check card), it may be another server (or terminal) connected through a financial common network.

In order to determine whether smooth exchange and exchange processing are possible, the exchange processing server may receive currency exchange availability information using the credit card (or check card) from the financial server (2830).

Here, whether or not the exchange can be processed is the validity authentication for the credit card (or check card) with which the money to be exchanged is withdrawn and the balance (or cash service limit) for withdrawing the money with the money is exchanged by the client. Information may be determined whether or not included.

If it is not possible to successfully exchange the credit card (or check card) for which the amount of money to be withdrawn is not successfully verified, and the exchange money processing for the money amount requested by the client is not possible (2835), the exchange processing server In operation 2840, the exchange request processing impossible message may be transmitted to the client terminal.

On the other hand, if the validity authentication for the credit card (or check card) for which the amount to be exchanged is withdrawn is successfully performed (2845), the currency exchange processing server receives the exchange information according to the currency exchange processing from the financial company server. In operation 2855, the exchange agreement information may be transmitted to the client terminal to obtain a final agreement for the exchange application processing from the client (2855).

In this case, when the exchange information is acquired from the client and the exchange information is processed (2860), the embodiment described in FIG. 28 may be inherited and proceed to FIG. 4 (A).

Figure 29 is a simple flowchart of the exchange amount payment process according to the preferred method according to the present invention.

FIG. 29 succeeds the exchange request process of FIG. 28 described above, and the exchange process is performed according to the client's request to execute the exchange process, and the client terminal exchanges the exchange process history (and / or the exchange process) from the exchange process server. A process of receiving a currency exchange amount receipt code corresponding to the details and mounting it on the client IC card is shown.

According to Fig. 29, payment for the exchanged amount of money through a predetermined exchange terminal is made using the exchange rate history (and / or the exchange rate amount code corresponding to the exchange rate history) mounted on the client IC card. This is going on.

The embodiment shown in FIG. 29 may be started from the process of receiving exchange processing execution information from the client terminal in the exchange processing server (2900).

When the exchange processing execution information is received from the client terminal, the exchange processing server may exchange money with the financial company server corresponding to the credit card (or check card) with which the money to be exchanged is withdrawn and exchange the money with the money. (2905).

Although not described in detail in this drawing, it is preferable that the exchange process is performed in consideration of currency exchange target currency, exchange rate thereof, and the like, with reference to the exchange request information transmitted from the client terminal. If there is a possible exchange preferential rate (or exchange incentive), it may be possible to process the exchange using the exchange preferential rate (or exchange incentive).

In addition, it may be possible to provide a predetermined point and / or mileage corresponding to the exchange process of the client.

When the exchange processing is successfully performed, the exchange processing server may transmit the exchange processing history to the client terminal and / or the exchange terminal (server) (2910). According to the present embodiment, the client may exchange the exchange processing amount. For the payment, the IC card described in FIG. 27 can be used as the payment request. In this case, the exchange processing history can be provided to the client terminal in the form of an application that can be mounted on the IC card. Alternatively, it may be provided to the client terminal in the form of a currency exchange amount receiving code corresponding to the exchange process.

Here, the client terminal preferably has a predetermined IC card interface (for example, an IC card reader, etc.) for interworking with the IC card.

According to the illustrated embodiment, if the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) is to be stored in the IC card (2915), the client terminal and / or the exchange processing server Validity authentication may be performed on the IC card (2920).

In this case, the validity authentication may be performed by inputting a predetermined code (eg, PIN) for accessing the storage area of the IC card.

Then, the client terminal stores the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) in the memory in the IC card (2925).

Subsequently, when the client requests payment for the exchanged amount of money through a predetermined exchange terminal (2930), the client exchanges a money exchange amount receipt code corresponding to the money exchange processing history (and / or the currency exchange processing history). ) Is stored (contact / non-contact) to the exchange terminal (2935).

Then, the exchange terminal performs validation of the accessed IC card (2940), where the validation of the IC card may be performed through a PIN input.

If the validity authentication for the IC card is not successfully performed (2945), the exchange terminal outputs a validity authentication failure message and terminates communication with the IC card (2950).

On the other hand, if the validity authentication for the IC card is successfully performed (2955), the exchange terminal exchanges the exchange amount of money stored in the memory of the IC card with the IC card (and / or the amount of money corresponding to the exchange value). An APDU command for extracting a receipt code) may be transmitted to receive the exchange exchange history (and / or a currency exchange amount receipt code corresponding to the exchange exchange history) from the IC card (2960).

Then, the exchange terminal confirms the exchange processing history (and / or the exchange amount receiving code corresponding to the exchange processing history) extracted from the IC card, and corresponds to the exchange processing history (and / or the exchange processing history). A currency exchange amount corresponding to a currency exchange amount receipt code) may be paid to the client.

According to a preferred embodiment, the exchange terminal checks the exchange processing history (and / or the exchange amount receiving code corresponding to the exchange processing history) extracted from the IC card in a predetermined database provided in the exchange terminal. The currency exchange processing history (and / or currency exchange amount receipt code corresponding to the currency exchange processing history) is prestored and compared with the previously stored currency exchange processing history (and / or currency exchange amount receipt code corresponding to the currency exchange process history). You can check it.

Here, the database provided in the exchange terminal is preferably linked to the exchange processing server and / or storage medium periodically.

Further, the exchange terminal confirms the exchange processing history (and / or the money exchange amount receiving code corresponding to the exchange processing history) extracted from the IC card, and the extracted currency exchange processing history (and / or the currency exchange processing history). Money exchange amount corresponding to the code) can be confirmed in conjunction with the currency exchange server and / or storage medium.

30 is a view showing the functional configuration of a wireless terminal according to a preferred embodiment of the present invention.

In more detail, Fig. 30 is a simple functional configuration diagram of a wireless terminal requesting a currency exchange request, wherein the illustrated wireless terminal exchanges money through the wireless network to the exchange processing server and includes information on the currency type and currency request value. Withdrawal of information and exchange request amount It is characterized by requesting a currency exchange request by providing credit card (or check card) information.

According to a preferred embodiment, the wireless terminal is provided with a memory and / or removable IC provided with the wireless terminal to the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) for the exchange request processing; It may be stored in a chip so that upon receipt of the money exchange money, the money money can be paid in conjunction with a predetermined money exchange terminal.

Referring to FIG. 30, the illustrated wireless terminal includes an interface for processing predetermined data input / output, and a predetermined exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) data input through the interface. When a currency exchange amount corresponding to a memory (or IC chip) to be stored and the currency exchange process history (and / or a currency exchange amount receipt code corresponding to the currency exchange history) is received, the currency exchange history stored in the memory (or IC chip) ( And / or a processor for controlling the exchange of money exchange amount receipt code corresponding to the exchange processing history to a predetermined currency exchange terminal through the interface.

In addition, the wireless terminal, by controlling and managing the overall operation of at least one or more functional components provided in the wireless terminal, in accordance with the present invention, the exchange application server and / or exchange terminal in conjunction with the exchange application and exchange money payment function And a control unit for performing the operation, and a liquid crystal display (LCD) driver for outputting a predetermined screen, and performing a currency exchange application and a currency exchange payment function in conjunction with the currency exchange server and / or a currency exchange terminal. An output unit for outputting various information, signals, and / or contents processed and / or extracted and / or generated by the LCD to the LCD, a plurality of number keys, character keys, and / or at least one It includes a keypad consisting of the above function keys (Function Key), the exchange processing server and / or the exchange terminal in conjunction with the exchange request and exchange money payment function A key input unit configured to read predetermined information or a signal corresponding to the at least one key data input from the keypad (eg, read from a table storing information or a signal matching the key data); And a wireless processor configured to route the wireless terminal and the currency exchange server on a wireless network in order to interwork with the currency exchange server and / or to transmit / receive predetermined information, and has at least one short range wireless communication function and the same short distance. A predetermined terminal (e.g., a currency exchange terminal, etc.) equipped with wireless communication and a predetermined wireless message (e.g., a currency exchange history and / or a currency exchange amount corresponding to the currency exchange process) according to the protocol defined in the corresponding short-range wireless communication means. It may be configured to further include a short-range communication unit for transmitting and receiving the receiving code).

According to a preferred embodiment, the at least one short range wireless communication function provided by the short range communication unit may include infrared ray communication, radio frequency (RF) communication, Bluetooth communication, wireless LAN communication, and Wi-Fi (Wireless LAN). Wi-Fi), ZigBee is preferred.

According to a preferred embodiment, the illustrated control unit includes an interface for processing the data input and output, and a currency exchange history (and / or a currency exchange history) stored in a memory (or IC chip) in association with the interface. A processor for controlling the provision of money receipt code) data to a predetermined currency exchange terminal may be provided.

Preferably, the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) data processed through the interface is encrypted (or based on a wireless public key infrastructure (WPKI)). Digital signature).

According to this figure, the memory for storing the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) for the exchange request processing according to the present invention, a predetermined for controlling the overall operation of the wireless terminal A generic term for a memory element that stores a program routine (or code) and / or program data (e.g., information and / or data input and output when an operation by the program routine (or code) is performed), and corresponds to a read-only memory. Read-write memory (ROM), a flash memory (FM) capable of reading / writing, and electrically erasable and programmable read-only memory (EEPROM).

In addition, the IC chip in which the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) for the exchange request processing according to the present invention is stored may be mounted on or detached from the wireless terminal. It is preferably configured with reference to IC chip standards and EMV standards, including ISO / IEC 7816 and / or ISO / IEC 14443.

Figure 31 is a simple flow chart of the exchange application and exchange amount payment process according to another preferred method according to the present invention.

FIG. 31 illustrates a case where a client requests a currency exchange using the wireless terminal shown in FIG. 30 described above, after the exchange processing task according to the client's exchange request is performed on the exchange processing server, Or a currency exchange amount receipt code corresponding to the currency exchange processing details in the memory and / or the IC chip of the wireless terminal, and upon request for payment of the exchanged money, the memory terminal and / or the IC chip mounted on the IC chip. And a process of paying the exchanged amount of money using a currency exchange process history (and / or a currency exchange amount receipt code corresponding to the currency exchange process history).

In addition, since FIG. 31 may include a currency exchange process of the currency exchange server described in FIGS. 28 to 29, a detailed description of the currency exchange process may refer to FIGS. 28 to 29.

Referring to FIG. 31, the wireless terminal may be connected to a currency exchange processing server through a wireless network, and may be started from a process of transmitting exchange request information (3100).

When the exchange request information is transmitted from the wireless terminal, the exchange processing server performs a currency exchange operation through the transmitted exchange request information (3105).

When a currency exchange processing operation is performed, the currency exchange processing server transmits a currency exchange processing history (and / or a currency exchange amount receipt code corresponding to the currency exchange processing history) corresponding to the exchange processing performed on the wireless terminal and / or the wireless network. Or (3110), at this time, a memory (or IC chip) provided in the wireless terminal for the exchange processing details (and / or the exchange amount receipt code corresponding to the exchange processing details). If it is to be stored in (3115), the processor provided in the control unit of the wireless terminal stores the exchange processing history (and / or money exchange amount receipt code corresponding to the exchange processing history) in the memory or IC chip in the wireless terminal. (3120).

Subsequently, when the client requests payment for the exchanged amount of money through a predetermined exchange terminal (3125), the client exchanges a money exchange amount code corresponding to the money exchange processing history (and / or the currency exchange processing history). In step 3130, the stored wireless terminal approaches the exchange terminal.

In this case, as described above, data communication between the wireless terminal and the exchange terminal may include infrared ray communication, radio frequency (RF) communication, Bluetooth communication, wireless LAN communication, Wi-Fi (Wi). -Fi) communication, ZigBee communication may be used, which may be selected by those skilled in the art in the course of implementing the present invention.

Next, the currency exchange terminal may determine whether the payment request for the amount of money exchanged according to the present embodiment is valid by performing validity verification on the accessed wireless terminal and / or the IC chip provided in the wireless terminal. (3135).

Here, if the validity authentication operation for the IC chip provided in the wireless terminal and / or the wireless terminal fails (3140), the exchange terminal outputs a valid authentication failure message and releases the communication session with the wireless terminal ( 3145).

On the other hand, if a validity authentication operation for the IC chip provided in the wireless terminal and / or the wireless terminal is successfully performed (3150), the exchange terminal is connected to the wireless terminal memory and / or the wireless terminal. Sending a message for extracting the exchange processing history (and / or exchange money receipt code corresponding to the exchange processing history) stored in the provided IC chip, the exchange processing history (and / or the exchange processing history) from the wireless terminal A money exchange receipt code corresponding to the money exchange code) may be provided (3155).

Then, the exchange terminal checks the exchange processing history (and / or the exchange amount receiving code corresponding to the exchange processing history) provided from the wireless terminal, and corresponds to the exchange processing history (and / or the exchange processing history). The exchange amount corresponding to the exchange amount receipt code) may be paid to the client (3160).

As described above with reference to FIG. 29, the process of confirming the exchange processing history (and / or the exchange amount receiving code corresponding to the exchange processing history) provided by the exchange terminal is provided in the exchange terminal. A currency exchange provided from the wireless terminal with the exchange processing history (and / or a money exchange amount receiving code corresponding to the exchange processing history) stored in a predetermined database periodically interworking with the exchange processing server and / or the storage medium. The money exchange money corresponding to the money exchange money (and / or money exchange money corresponding to the money exchange money) corresponding to the transaction details (and / or the money exchange money receipt code corresponding to the money exchange money money), and / or provided from the wireless terminal. Receipt code) can be confirmed directly in conjunction with the exchange server and / or storage medium.

32 is a diagram showing a schematic configuration of a currency exchange application and a currency exchange payment system according to another preferred embodiment of the present invention.

Referring to FIG. 32, a currency exchange request and a currency exchange payment system according to another exemplary embodiment of the present invention provides predetermined currency exchange application information and a currency exchange amount corresponding to the currency exchange request through a wired or wireless communication network (or a network). A client terminal which transmits predetermined card information (and / or account information) and / or card (and / or account) selection information to be received to an exchange server (or terminal), and an amount corresponding to the exchange request is withdrawn; In connection with a financial server (or a terminal) that manages a credit card (or check card), the exchange processing service corresponding to the exchange application is performed, and the predetermined currency exchange history corresponding to the result of the exchange processing service is performed. A currency exchange server (or terminal) which is associated with (and / or account information) stored in a predetermined storage medium and the card information (and / or account information) upon receipt of the money exchange amount. After inputting), check the exchange processing history associated with the card information (and / or account information) in conjunction with the exchange server and / or the storage medium and / or branch server, and the confirmed exchange It may be configured to include a currency exchange terminal for performing the exchange money payment in response to the.

In addition, the illustrated currency exchange application and currency exchange payment system, the central server for processing the branch accounting and call-by-call accounting by receiving the exchange processing history information, the municipal acquisition request and account processing request information from the exchange server (or terminal) It can be configured to further include.

In addition, the exchange request information transmitted from the client terminal to the exchange server (or terminal) through the wired or wireless communication network (or network network), the information on the currency type and exchange request amount of money to be exchanged and the exchange request Credit card (or check card) information for the withdrawal of the amount, the exchange request client information, and at least one or more selection information of the kind of exchange preferential services to be provided when the exchange request.

Preferably, the card information (and / or account information) for the withdrawal of money corresponding to the exchange request, may include card information (and / or account information) in which the money exchange amount corresponding to the exchange request is deposited, The card information (and / or account information) may include at least one or more of exchange card information, IC card information, financial IC chip information mounted on or detached from the wireless terminal.

Preferably, a currency exchange terminal that performs the exchange money payment task may authenticate the validity of a card (or account) with respect to the received card information (and / or account information) when the money exchange money is received.

On the other hand, it is revealed that each component shown in this figure may inherit some and / or all of the functions of the corresponding elements described above in FIG.

33 to 34 show, when the client requests for exchange of money, predetermined card information (and / or account information) and / or predetermined card information for receiving the exchange information corresponding to the exchange request and the exchange amount corresponding to the exchange request. The card (and / or account) selection information is transmitted to a currency exchange server (or terminal) to perform a currency exchange process, and the currency exchange details are stored in association with the card information (and / or account information). By storing in a medium, upon receipt of the exchange money, by receiving the card information (and / or account information) at a predetermined exchange terminal, by confirming the exchange processing history associated with the card information (and / or account information), It relates to a process of performing a currency exchange payment task corresponding to the identified currency exchange process.

33 is a simple flowchart of a currency exchange application process according to another preferred embodiment of the present invention.

Referring to FIG. 33, it may be started from a process in which a client terminal accesses a currency exchange server through a wired / wireless network and requests a currency exchange process (3300).

The exchange processing server may perform a predetermined authentication operation on the connected client (3305). Here, the client authentication process is preferably performed using a unique ID and / or password and / or public certificate and / or card (or account) information of the client.

If the authentication process is successfully performed for the client accessing the exchange processing server (3310), the client terminal transmits the exchange request information and predetermined card (and / or account) information for receiving the exchange amount to the exchange processing server. (3315)

According to another preferred method, if the predetermined card (and / or account) information for receiving the exchange money amount is already stored in the currency exchange server (or a storage medium interoperating with the currency exchange server), then the exchange money amount is received. The transmission process of the card (and / or account) information for may be omitted.

Further, according to another preferred method, if at least two or more card (and / or account) information associated with the client information is already stored in the currency exchange server (or a storage medium in conjunction with a currency exchange server), The client may transmit selection information on card (and / or account) information for receiving a currency exchange amount from the at least two or more card (and / or account) information to the exchange processing server.

Preferably, the exchange request information includes information on the type of currency to be exchanged and the exchange request amount, credit card (or check card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and the exchange request. It may include at least one selection information of the type of exchange preferential services to be provided.

According to this figure, the exchange processing server confirms the credit card (or check card) information with which the exchange request amount is withdrawn through the transmitted exchange request information (3320), where the card for receiving the exchange amount The credit card (or check card) information from which the (and / or account) information and the exchange request amount are withdrawn may be the same.

When the credit card (or check card) information for which the money exchange request amount is withdrawn is confirmed, the money exchange processing server sends the money exchange request information to a financial server (or terminal) corresponding to the confirmed credit card (or check card) information. In operation 3325, information on whether or not currency exchange processing is possible using the credit card (or check card) may be received from the financial server (3330).

According to a preferred embodiment, whether or not the exchange can be processed is valid for the credit card (or check card) with which the amount to be exchanged and the balance (or cash service limit) for withdrawing the amount to be exchanged are applied by the client. Information that determines whether or not it includes a currency exchange amount is preferable.

In this case, when the validity verification for the credit card (or check card) for which the amount to be exchanged is withdrawn is not successfully performed, the exchange processing for the exchange amount requested by the client is not possible (3335). The server may transmit a message to the client terminal not performing the exchange processing task (3340).

However, when the validity authentication is successfully performed on the credit card (or check card) with which the amount to be exchanged is withdrawn (3345), the exchange processing server receives exchange information from the financial company server according to the exchange processing. In operation 3355, the terminal may obtain a final agreement for the exchange request processing from the client by transmitting the received exchange information to the client terminal.

On the other hand, when the exchange information is smoothly proceeded by acquiring execution information on the exchange process from the client (3360), the embodiment described in FIG. 33 is preferably succeeded by the following diagram 34 ( B).

Fig. 34 is a simple flowchart of a currency exchange payment process according to another preferred embodiment of the present invention.

34 is preferably carried out by succession of the exchange request process of FIG. 33, the exchange process is performed according to the request of the client to perform the exchange process, the exchange processing server receives the exchange amount of money It is characterized in that for storing in a predetermined storage medium in association with the card (and / or account) information for.

Further, according to the illustrated embodiment, upon receipt of the exchange money amount, a predetermined currency exchange terminal inputs (or provides) information on the exchange money receipt card (and / or account) of the client stored in the storage medium and the currency exchange terminal. The card (and / or account) information is compared to check the corresponding exchange processing history and to pay the exchange money.

Referring to FIG. 34, the exchange processing server receives the exchange processing execution information from the client terminal (3400), interlocks with a financial company server corresponding to the exchange money withdrawal card (or account), and withdraws the money processing amount. Exchange processing is performed (3405).

Here, the exchange processing process of the currency exchange processing server may be exchanged in consideration of currency exchange target currency and exchange rate thereof, with reference to the exchange request information transmitted from the client terminal, and furthermore, applicable to the client. If there is a preferential rate (or exchange incentive), the exchange rate can be applied by applying the exchange rate (or exchange incentive).

The exchange processing server stores the exchange processing history in a predetermined storage medium in association with the exchange amount receiving card (and / or account) information received from the client terminal (3410), wherein the storage medium is the It may be located inside the exchange server and / or on a network outside the exchange server.

Subsequently, when the client requests payment for the exchanged amount of money through a predetermined exchange terminal (3415), the client exchanges the exchange amount receiving card provided to the exchange processing server when the exchange request is made (and / or Or input (or provide) information into the exchange terminal (3420).

Here, the currency exchange terminal may require a predetermined card (and / or account) password and / or biometric information, etc., in order to verify the validity of the exchange money receipt card (and / or account) information.

Then, the exchange terminal checks if there is a currency exchange process associated with the input card (and / or account) information in association with the storage medium (3425), if the input card (and / or account) If the exchange process history associated with the information does not exist in the storage medium (3430), the exchange terminal may output a exchange process history check failure message (3435).

On the other hand, if the exchange processing history associated with the input card (and / or account) information is confirmed (3440), the exchange terminal pays the exchange amount corresponding to the confirmed currency exchange processing (3445). .

According to the present invention, when a client who wants to apply for exchange processing is connected to an online bank server (or a credit card company server) and requests a currency exchange process using a credit card owned by the client, the bank server and the credit card company server are configured. By interlocking the credit card of the client to perform the exchange process, the customer can exchange the credit for the customer credit using the credit card (or the check card) even if there is no cash or the account (or the card) in which the cash is deposited. Through this, customers who do not have cash can get rid of the inconvenience of receiving cash service to exchange their credit card (or check card), and it can solve social unrest such as card can, thereby promoting a healthy credit society. Can play a part in helping

In addition, credit card companies combine the use of credit cards with an increasing number of exchange services, there is an advantage that can be generated by the use of credit cards.

In addition, since the cash withdrawal process for exchange is omitted, the exchange process becomes simpler, and there is an advantage that the exchange process using a credit card is more convenient online.

In addition, credit card companies combine the use of credit cards with an increasing number of exchange services, there is an advantage that can be generated by the use of credit cards.

Claims (27)

Authenticating the validity of the client and / or the client-owned credit card by a predetermined authentication means when the exchange request client connects to a credit card company server (or a server associated with the credit card company); Receiving, by a predetermined information receiving means, predetermined currency exchange processing request information (e.g. currency exchange information, currency exchange price information, etc.) from the connected client; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; When the client requests the exchange processing to be executed using the credit card, the client information and / or currency exchange processing information is provided from a predetermined information transmission means to a currency exchange server (or a bank server) on a communication network, and the predetermined currency exchange settlement means Withdrawing the amount for the currency exchange processing from the credit card, and performing settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server); And And transmitting the exchange processing history (or receipt) to the client and / or the client-owned wireless terminal by the information transmitting means provided in the server or the exchange server (or the bank server). Currency exchange method using a card. The method of claim 1, Performing a currency exchange process on the currency exchange server (or bank server) based on the currency exchange process information; And And depositing or remitting the exchanged money into a predetermined account at the exchange server (or a bank server). The method of claim 1, Checking the exchange processing history (or receipt) provided by the client at the exchange server (or bank server); And And determining, by the currency exchange server (or bank server), whether or not to provide the client with money corresponding to the currency exchange process, according to the verification result. The method of claim 1, And confirming whether a withdrawal of money for the money exchange processing is possible using the credit card in a predetermined information checking means. The method of claim 1, And a step of verifying a password of the credit card provided by the client in a predetermined information checking means. The method of claim 1, wherein the performing of the settlement processing for the exchange processing, And transferring the money for the money exchange processing withdrawn from the credit card to the client owned account or a predetermined virtual account generated in correspondence with the credit card (or client) in the money exchange processing settlement means. Currency exchange method using a credit card. The method of claim 1, wherein the exchange processing request information and / or exchange processing information, Currency type and currency exchange information, currency exchange bank information, currency exchange withdrawal bank branch information, currency exchange date information, client-owned account information for processing the credit card withdrawal amount, currency exchange service type Using at least one selected information, the account information of the account to which the exchange amount is transferred, the financial institution information and / or the account holder information corresponding to the account to which the exchange amount is transferred; Currency exchange method. The credit card according to any one of claims 1 to 6, wherein Currency exchange processing method using a credit card, characterized in that comprises a check card with a credit card function. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 6. Authenticating the validity of the client by a predetermined authentication means when the exchange request client is connected to a currency exchange server (or a bank server); Receiving, at a predetermined information receiving means, predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; Connecting a channel between the client and a server corresponding to the credit card by a predetermined channel connection means when the client requests the exchange processing using the credit card; Requesting a credit card withdrawal for the currency exchange process from the client to the server corresponding to the credit card; Performing settlement processing for the currency exchange processing in association with a server corresponding to the credit card in a predetermined currency exchange settlement means; And And transmitting the exchange processing details (or receipts) to the client and / or the client-owned wireless terminal from information transfer means provided in the exchange server (or bank server) or a server corresponding to a credit card. Currency exchange processing method using a credit card, characterized in that. The method of claim 10, Performing a currency exchange process on the currency exchange server (or bank server) based on the currency exchange request information; And And depositing or remitting the exchanged money into a predetermined account at the exchange server (or a bank server). The method of claim 10, Checking the exchange processing history (or receipt) provided by the client at the exchange server (or bank server); And And determining, by the currency exchange server (or bank server), whether or not to provide the client with money corresponding to the currency exchange process, according to the verification result. The method of claim 10, wherein the exchange processing request information, Information on the type of currency and currency exchange, information on the bank branch with which the currency is withdrawn, information on the date of exchange, the client-owned account information for processing the credit card withdrawal amount, information on selection of the preferential currency exchange service type, currency exchange And at least one or more of account information of an account to which an amount is transferred, financial institution information and / or account holder information corresponding to an account to which an exchange amount is to be transferred. The method according to any one of claims 10 to 12, wherein the credit card, Currency exchange processing method using a credit card, characterized in that comprises a check card with a credit card function. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 10 to 12. Authenticating the validity of the client by a predetermined authentication means when the exchange request client is connected to a currency exchange server (or a bank server); Receiving, at a predetermined information receiving means, predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Confirming exchange rate information between currencies corresponding to currency exchange processing based on the currency exchange processing request information in a predetermined information checking means; Calculating amount information to be withdrawn through the credit card for the currency exchange processing based on the identified exchange rate information in a predetermined information calculating means; Providing the calculated credit card withdrawal amount information to the client in a predetermined information providing means; When the client requests the exchange processing to be executed using the credit card, the client requests a withdrawal of the credit card for the currency exchange processing from a predetermined exchange processing settlement means to a server corresponding to the credit card through a communication network, and corresponds to the credit card. Performing a settlement process for the currency exchange process in association with a server; And And transmitting the exchange processing details (or receipts) to the client and / or the client-owned wireless terminal from information transfer means provided in the exchange server (or bank server) or a server corresponding to a credit card. Currency exchange processing method using a credit card, characterized in that. The method of claim 16, Performing a currency exchange process on the currency exchange server (or bank server) based on the currency exchange request information; And And depositing or remitting the exchanged money into a predetermined account at the exchange server (or a bank server). The method of claim 16, Checking the exchange processing history (or receipt) provided by the client at the exchange server (or bank server); And And determining, by the exchange server (or bank server), whether or not the currency corresponding to the currency exchange process is provided to the client according to the verification result. The method of claim 16, wherein the exchange processing request information, Information on the type of currency and currency exchange, information on the bank branch with which the currency is withdrawn, information on the date of exchange, the client-owned account information for processing the credit card withdrawal amount, information on selection of the preferential currency exchange service type, currency exchange And at least one or more of account information of an account to which an amount is transferred, financial institution information and / or account holder information corresponding to an account to which an exchange amount is to be transferred. 19. The credit card according to any one of claims 16 to 18, wherein the credit card is Currency exchange processing method using a credit card, characterized in that comprises a check card with a credit card function. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 16 to 18. Authentication means for authenticating the validity of the client and / or the client-owned credit card when the exchange request client connects to a credit card company server (or a server associated with the credit card company); Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange value information, etc.) from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; Information transmission means for providing the client information and / or currency exchange processing information to a currency exchange server (or a bank server) on a communication network when the client requests to perform currency exchange processing using the credit card; And And a currency exchange processing settlement means for performing the settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server) after withdrawing the amount for the currency exchange processing from the credit card. Currency exchange system using a card. Authentication means for authenticating the validity of the client when the client requests a currency exchange request connection to a currency exchange server (or a bank server); Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; Channel connection means for connecting a channel between the client and a server corresponding to the credit card when the client requests to perform a currency exchange process using the credit card; When the client requests a credit card withdrawal for the currency exchange processing to a server corresponding to the credit card, and the credit card withdrawal is approved by the server corresponding to the credit card, the client exchanges the money with the server corresponding to the credit card. Currency exchange processing system using a credit card, characterized in that comprises; currency exchange processing settlement means for performing a settlement processing for the processing. Authentication means for authenticating the validity of the client when the client requests a currency exchange application to a currency exchange server (or a bank server); Information receiving means for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) and credit card information for the exchange processing from the client; Information checking means for confirming exchange rate information between currencies corresponding to the exchange processing based on the exchange processing request information; Information calculating means for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the confirmed exchange rate information; Information providing means for providing the calculated credit card withdrawal amount information to the client; And When the client requests the exchange processing using the credit card, the client requests a withdrawal of the credit card for the exchange processing to the server corresponding to the credit card through a communication network, and exchanges the exchange with the server corresponding to the credit card. Currency exchange processing system using a credit card, characterized in that comprises; currency exchange processing settlement means for performing a settlement processing for the processing. The method according to any one of claims 22 to 24, wherein the credit card, Currency exchange processing system using a credit card, characterized in that comprises a check card with a credit card function. An authentication unit for authenticating the validity of the client when connecting to the exchange processing request client; A receiving unit for receiving predetermined exchange processing request information (exchange target currency information, exchange amount information, etc.) from the client; A calculator for calculating the amount of money to be withdrawn through the credit card for the currency exchange processing based on the currency exchange request information; A confirmation unit for confirming whether the withdrawal of the amount calculated by the calculation unit is possible through the credit card; A transmission unit for providing the client information and / or currency exchange processing information to a currency exchange server (or a bank server) on a communication network if withdrawal is possible; And And a currency exchange processing settlement unit for withdrawing the amount for the currency exchange processing from the credit card and performing settlement processing for the currency exchange processing in connection with the currency exchange server (or a bank server). Currency exchange server using a card. A computer-readable recording medium having recorded thereon a program for executing a function of the server component of claim 26.

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