KR20090057707A - Currency exchange method and device using unmanned information terminal - Google Patents

Abstract

A method for exchanging currency by using an unmanned information terminal and a device thereof are provided to automatically exchange remaining Won currency of a traveler with currency of any country. Nationality of input money is selected. A paper money amount, a coin amount and the total amount of the input money are checked. Currency exchanging target nation money is determined(160). An exchange rate is determined according to a displayed coin exchange rate and a bill exchange rate(162). The exchanged currency is transferred to a financial company that a user selects through a network. Updated money exchanging transaction information is tracked/confirmed.

Description

Currency exchange method and device using unmanned information terminal {omitted}

The present invention relates to a method and apparatus for enabling exchange of not only bills but also coins using an unmanned information terminal, and allowing a user (or traveler) to exchange money without going through a bank anywhere in the world.

As a conventional technology, the types of currency (second currency) that can be exchanged are limited to the currencies of several major countries. In addition to the currency loss, a double exchange transaction fee must be paid. At the same time, foreign currency cannot be exchanged without a bank. In order to solve this inconvenience, there is a "currency exchange system through the Internet community", but this method still has to visit the bank. There is a "bank card exchange system" in the card, but the energy consumption is still required to visit the financial company. All of this is not a currency exchange operation based on customer service, but a method to increase the efficiency of the financial company's operating system. The conventional currency exchange device is limited in the type of currency that can be exchanged and the payment form of the exchange is limited to cash. At the same time, it is not possible to exchange money, especially for coins other than banknotes.

Literature Information of the Prior Art

<Document 1> Patent registration number 10-0374655-0000

<Document 2> Patent registration number 10-0466822-0000

In the age of 7 million foreign tourists, a large number of foreigners want to exchange their Korean won (coins and coins) into their own currency or a third country currency. Due to the limited number of foreign currency exchanges in the world, in the 21st century when the world is one, it is not possible to exchange 200 world currencies at once. There is a loss of double exchange transaction fees that require the exchange of currency to the other country's currency. In addition, the conventional currency exchange device is limited in the type of currency that can be exchanged and the payment form of exchange is limited to cash. At the same time, it is impossible to exchange money for coins other than banknotes.

Currency exchange method using the unmanned information terminal of the present invention, the user (or traveler) the step 150 of the card and / or passport input, the language selection and / or direct language selection step 152, the currency of the currency A selection step 154, a currency / coin input step 156 of foreign currency for exchange of won and / or currency, a check step amount 158 of a banknote amount, a coin amount, a total amount of the input currency;

Determination of the currency of the target country of exchange (160), display of the coin exchange rate and bill exchange rate on the display unit 102 and the calculation step according to the application of the exchange rate (162), the display and confirmation step of the exchange transaction results (162), the display of the exchange rate form and Selection step 164 of the user, confirmation of the exchange transaction history and issuance of the exchange transaction receipt 166, transferring the exchange transaction information to the central information processing center 200 through the communication network 400 (168), In the central information processing center 200, the database 170 classifies and classifies the exchange transaction information, and transmits the exchanged currency to the financial company selected by the user through the network (172), the central information processing center 200 The step of tracking and confirming the information on the currency exchange transaction updated from (174), the currency exchange method using an unmanned information terminal, characterized in that it comprises the step of withdrawing money from the target country.

The money exchange device using the unmanned information terminal of the present invention can be connected to the executable information processing device 108 and the information processing device 108 according to the program instructions and displays the instructions to the user user according to the information processing device. Key 102 for inputting information using a display unit 102 capable of inserting a bill / coin into which a user can input a bill / coin and storing it in an unmanned information terminal, a touch screen and / or a voice sensing system. Currency exchange transaction including input unit 104, card / passport reader 106 for reading card / passport information from a card and / or passport inserted by the user, memory 112 as a data storage means, and currency exchange information It consists of a network interface 116 and a central information processing center 200 which are operated to receive and transmit messages through the receipt printing device 114 and the communication network 400. Exchange apparatus using the unmanned information terminal, characterized in that binary

According to the present invention, it is possible to exchange coins, and the foreign currency of the traveler can be automatically exchanged at once in any currency of any country before departure. In the global village where the movement of time and space is free, there is an effect of the "Universal Bank", which can exchange currency into 200 countries at any time wherever there is an unmanned information terminal that is a "monetary device". In this way, the efficient exchange method can save the exchange loss and exchange transaction fee and time and labor due to the triple exchange. 3 It is possible to prevent the risk of loss caused by the traveler's possession in advance by remittance to the account, and to prevent the departure of the won by exchanging the remaining won of foreign tourists in Korea.

In a global environment where the world is one, efficient exchange of money into travel destination currencies is important. The specific exchange method and apparatus of the present invention for achieving the purpose of the multinational exchange service as a role of the "Universal Bank" has the following features.

Exchange method using the unmanned information terminal according to the present invention is a method for converting foreign currency (primary currency) to foreign currency (primary currency) for exchange in the currency of the country,

The first screen of the unmanned information terminal display unit displays the basics of currency exchange transactions.

Step 150 of card and / or passport entry; Step 152 of automatic language selection and / or direct language selection; Nationality selection step 154 of the input currency; Banknote / coin inputting step 156 of foreign currency for exchange of won and / or currency; Checking a banknote amount, a coin amount, and a total amount of the input money (158); Currency determining step 160; A calculation step 162 according to the exchange rate display and the exchange rate on the display unit 102; Displaying and confirming the exchange result (step 162); A selection step 164 of the display user in the form of a currency exchange class; Checking the exchange transaction history and issuing a currency exchange receipt (166); Transferring exchange currency information to the central information processing center 200 through the communication network 400 (168); Database 170 the exchange transaction information; Transmitting a call to a financial institution 300A / B selected by the user through the network 400 (172); Exchange method using an unmanned information terminal comprising the step of withdrawing money from the target country.

And,

Currency exchange device using an unmanned information terminal,

An information processing device executable according to the program instructions; A display unit 102 that can be connected to the information processing apparatus and can display instructions to the user user according to the information processing apparatus; A bill / coin input device 110 that a user can input bills / coins and store in the unmanned information terminal; A key input unit 104 for inputting information using a touch screen and / or a voice sensing system; A card / passport reading unit 106 capable of reading card information from a card inserted by the user; A memory unit 112 as data storage means; A currency exchange receipt printing apparatus 114 including currency exchange transaction information; Exchange device using an unmanned information terminal, characterized in that consisting of a network interface 116 and a central information processing center (200) which is operated to receive and transmit messages through a communication network.

Hereinafter, the exchange method of the present invention will be described in detail with reference to the accompanying drawings.

1 includes an unmanned information terminal 100 which is a plurality of "money conversion devices", a central information processing center 200, a related financial company (including banks and credit card companies) 300A and 300B, and a network communication operating system 400. Figure is a diagram for a comprehensive system that enables the exchange business. The unmanned information terminal 100, which is a "money conversion device," is mainly installed in an airport terminal, an international passenger terminal, etc., where foreign travelers gather.

2 is an internal configuration diagram of the unmanned information terminal 100 which is a "money conversion device". The unmanned information terminal 100 includes a display unit 102, a key input unit 104, a card / passport reading unit 106, and information processing. The device 108, the banknote / coin input device 110, the memory unit 112, currency exchange receipt printing device 114 and the network interface 116 is composed of.

The display unit 102 displays the display and / or audio output using a cathode ray tube (CRT), a liquid crystal display (LCD), or a plasma display technology. The display unit 102 outputs a card / passport recognition result, a currency exchange information service, and general facts about a currency exchange process, and is output in a language of each country selected by a user (or a traveler).

The key input unit 104 may use a touch screen and / or a voice sensing system as an information input device. The key input unit 104 may share the touch screen with the display unit 102. The function of the card / passport reading unit 106 may input any kind of card and passport (including ePassport), recognize the input card / passport and store the recognized information. The card entered by the user (or traveler) can be used to verify the identity of the user, such as an IC card, MS card, electronic bank account (or financial account), credit card, debit card, bank card or smart card. Any type of card can be entered, and the passport also includes an e-passport that is currently available in 35 countries. For reference, the card recognition unit and the passport recognition unit may be different positions.

The information processing apparatus 108 processes information input from the card / passport reading unit 106 and information data input to the key input unit 104 and various information related to the memory unit 112 to be desired by the user (or traveler). Process the result of the information. The information processing device is operated by using a microprocessor made to execute software and / or firmware. The banknote / coin input device 110 may insert a banknote and a coin into each input hole, and the information of the inserted money is transmitted to the information processing device 108 and the memory unit 112. Currency recognition of banknote / coin input device 110 is based on the won. Banknote / coin input device 110 can detect the type of foreign currency (primary currency) for exchange and should be able to display information about it.

The memory unit 112 may be a single memory line or may be distributed as one or more other elements of the unmanned information terminal. The memory unit 112 includes a random access memory (RAM) that operates in association with the information processing device 108 to achieve the desired computing power. The memory unit 112 includes a read only memory (ROM) containing a software program operated by the information processing apparatus 108 and / or other components of the unmanned information terminal.

The exchange transaction receipt printing device 114 issues a receipt processed by the information processing device 108 that stores various types of exchange information required by the user. The issued receipt may be a "cash bowl."

The network interface 116 is configured to communicate with the central information processing center 200 by displaying the display unit 102, the key input unit 104, the card / passport reading unit 106, the information processing apparatus 108, One or more portions of the banknote / coin input device 110, the memory unit 112, and the currency exchange receipt printing device 114 are operated to interconnect with the network 400, which is a communication operation system.

3-5 illustrate a detailed process of the exchange method and processing apparatus of the present invention. 3 illustrates the following steps.

The card / passport reader 106 recognizes the user's card and / or passport (including the ePassport) to confirm the personal information of the user (or traveler). In the case of a card input, it may be a deposit account card in the form of a reimbursement for the exchange of a second country currency as well as confirmation of personal information. For reference, the purpose of the card and / or passport (including ePassport) input 150 is to recognize and record the personal information and financial information of the user (or traveler) who wants to exchange foreign currency. Recognition of cards / passports is also directly related to the user's language selection in the description of the exchange process. Here, the card can be any type of IC card, MS card, electronic bank account (or financial account), credit card, debit card, bank card or smart card, and passport is also available in 35 countries. Includes e-passports that are commonplace. The ePassport is a Machine Readable Passport equipped with an Integrated Circuit (IC) chip containing biometric data. Information from the card / passport reading unit 106 is transferred to the information processing apparatus 108. The information processing apparatus 108 operates to grasp the nationality of the user from the card / passport so as to automatically select a language for currency exchange processing.

Once the identity of the user (or traveler) is confirmed, it is a step of language selection 152. In our case, Korean is an option for automatic selection, so the explanation of the Korean currency exchange process is the basic, but the card user's nationality is recognized automatically by entering the card, and the currency exchange process is automatically explained in the user's (or traveler's) nationality. Alternatively, the user (or traveler) may arbitrarily select the language for the currency exchange description using the key input unit 104.

Thereafter, in step 156, the foreign currency (first currency) of the won and / or currency exchange is input according to the guidance of the display unit 102. In the unmanned information terminal 100, which is a currency exchange processing device, a banknote (in the case of Winhwa, check) and a coin inlet are separately provided for the input 156 of these currencies. Prior to this, in the case of inputting foreign currency for foreign exchange (primary currency), the nationality of the input currency is selected and specified (154), and the won and / or foreign currency exchanged after the input of the foreign currency (primary currency) It is necessary to check (158) the bill amount, the coin amount, the total amount of.

4 illustrates the following steps.

After checking the total amount of the foreign currency (first currency) and the foreign currency inputted by the user (or traveler), the currency to be exchanged (second currency) must be selected and designated (160). It should be noted that when the user (or traveler) who has completed a trip in Korea makes the language selection in Japanese, the information processing apparatus 108 automatically selects the currency to be exchanged for yen, which is the Japanese currency. However, if the yen is not the currency to be exchanged, the user (or traveler) must select the nationality of the currency to be exchanged through the key input unit 104.

Thereafter, in converting the won and / or the first country's currency into the second country's currency on the display unit 102 of the unmanned information terminal, two exchange rates are displayed, the first exchange rate for the bill and the second exchange rate for the coin. Exchange rate. The information processing apparatus 108 calculates the total amount of currency exchange in the second country currency by applying one or more exchange rates to the bill value and coin value of the inputted foreign currency and / or foreign currency for exchange (first country currency). A step 162 of confirming each exchange rate to be applied through the key input unit 104 and then confirming the total amount of the second country currency derived by the applied exchange rate is required.

Key points of the present invention and the greatest advantage that is distinguished from other inventions is that the target currency (second country currency) exchanged by exchanging coins and bills is not automatically paid in the unmanned information terminal 100 which is a currency exchange device. , Transfers the exchanged currency to one or more of your cash deposit account, debit card account, credit card account, or smart card account designated by the user (or traveler) (164). Withdrawal can be made locally from anywhere, such as information terminal 100 or financial company 300A / B. That is, the payment form of the exchange that the user (or traveler) wants to exchange is displayed on the display unit 102, and the user (or traveler) uses the key input unit 104 to describe the bank account, debit card account, and credit card mentioned above. Selection may be made 164 by account, smart card account, or cash. Here, the cash refers to the cash of the second country which can withdraw money from the unmanned information terminal of the counterpart country. Thereafter, the exchange transaction fee is displayed on the display unit 102 and the user (or traveler) agrees to this step 166, and the step of requesting final confirmation of whether or not to exchange the information processing device 108 to exchange money Data processing is performed and the details thereof are displayed on the display unit 102, and the exchange transaction information (bank currency exchange rate, coin exchange rate, input currency and / or foreign currency for bills, coin amount, total amount, currency of the target currency) The total amount, the type of exchange money selected, the exchange fee, etc.) are all recorded and a currency exchange receipt is printed (step 166).

Another distinction is that, in the issuance of currency exchange transaction receipt (166), the receipt issuance device is a receipt issuance or unmanned information terminal (Guaranteed to be transferred to a third account so that the user (or traveler) withdraws from the exchange rate account selected by the user (or traveler). 100) or a financial institution (300A / B), etc., may issue a "cash receipt" as a tool to guarantee cash withdrawal.

5 illustrates the following steps.

After the exchange transaction receipt is issued, exchange information related thereto is transmitted to the central information processing center 200 through the network 400 by the information processing apparatus 108 (168). After the data on the exchange transaction information is classified and authenticated in the central information processing center 200, the central information processing center 200 is converted into a third deposit account selected by the user (or traveler). In step 172, a call is exchanged and the exchanged call is directly transferred from the central information processing center 200 to a third payment account selected by the user (or traveler). Herein, the third deposit account includes at least one of a cash exchange account (Checking Account), a debit card account, a credit card account, a smart card account, cyber money, and the like of a currency exchange user.

The user (or traveler) tracks and confirms the exchange exchange information updated by the central information processing center 200 through the website using the user ID and password automatically generated in the currency exchange receipt issuing step (174). . The user (or traveler) may withdraw the money exchange amount through the unmanned information terminal 100 and the financial company 300A / B installed in the counterpart country.

As mentioned in the detailed description for the implementation of the present invention, the present invention is different from the existing invention in that the present invention 1) exchange "coin" through the automatic exchange system (Coin) to the other country's currency 2) currency of any country in the world Also, the contents and methods for automatically exchanging money are described. An embodiment is constructed based on two contents which are the core of the present invention, and at the same time, a general flow according to currency exchange will be described through a flowchart.

1) Example-I

After completing a business trip in Korea and returning to Israel through South Africa, David could not exchange the "Rand" of South Africa's currency. In the past, the most common currency exchange was to arrive in South Africa and exchange money into the local currency. In this case, David has two currency losses and the loss and inconvenience of having to pay a fee. In order to solve this realistic problem, the bank card with the cash account to deposit the exchanged land is inserted into the unmanned information terminal, which is a "monetary value converting device", before the departure of the trip. Input. After arriving in South Africa, you can withdraw the exchanged land through a local unmanned terminal. In addition, banknotes / coins of the remaining land after traveling to South Africa are deposited in the same way in South Korea before leaving the Republic of Korea. After returning home, withdraw the money through the unmanned information terminal in Israel. In other words, by depositing the banknotes and coins of the land remaining after the business trip to the unmanned information terminal, the exchange business can be completed in the South African Republic. Particularly, in the case of the remaining coins, it is impossible to exchange money in any country, and by using an unmanned information terminal, which is a "currency conversion device," it is possible to exchange coins, thereby solving the personal damages of the coin holders.

2) Example-II

Prior to business trip to Chile, Kim Ji-sung enters his card and / or passport (including e-passport) into the unmanned information terminal, which is a currency conversion device installed in the Seoul Panic Terminal or the Incheon Panic. This is to recognize and record the personal information and financial information of the user who wants to exchange foreign currency by inputting a card and / or passport (including e-passport) 150.

With the input of the card / passport, if the identity of manager Kim is confirmed, the language selection 152 should be made. In the case of Korea, Korean is an option for automatic selection, so the explanation of the Korean currency exchange process is the basic, but if the user is not Korean, the card user's nationality is recognized by entering the card. It may be described or the user may arbitrarily select the language for the exchange processing description through the key input unit 104.

Afterwards, Mr. Kim puts the Korean won into the unmanned information terminal to exchange all the current Korean won (KRW 211,500) into Chilean pesos. In the unmanned information terminal, which is an automatic currency exchange processing device, banknotes (including checks in the case of won) and coin input ports are separately provided for the input of these currencies (156). If Kim needs to exchange money with US dollars, he must select the US dollar nationality of his currency.

After the process of checking the total amount of the won (158), the Chilean peso, the currency to be exchanged (second currency), must be selected (160). Afterwards, the exchange rate, that is, the currency exchange rate and the coin exchange rate for the current target currency, is displayed respectively (1 won = 0.55 Chilean pesos, 1 won = 0.4 Chilean pesos), and the exchange rate of bills and coins is 211,500 won. This is applied so that the total exchange amount 116,796 Chilean pesos is displayed on the display unit 102.

Mr. Kim should then select the exchange type of the exchanged Chilpe Peso. Rather than withdrawing a foreign currency, Chilean Peso, from a Korean currency exchange, Mr. Kim designated (164) his or her cash deposit account, debit card account, credit card account or smart card account. Select a form and transfer it to the designated account, and withdraw money from the unmanned information terminal of Chile, the destination country. In this way, by selecting and designating the exchange type, we propose a method to exchange money in real time, not only in the world's major currencies but also in third-party currencies.

After issuing a currency exchange receipt, the exchange information is transmitted to the central information processing center (168), and the data classification 170 for this is performed at the data processing device and the data is transmitted to the unmanned information terminal and / or bank of the target country of exchange. At the end of the course (172), Mr. Kim withdraws the exchanged 116,796 Chilean pesos from the unmanned information terminal installed in the Chilean crisis.

The above example will be briefly described through the following general flow chart.

1 is a diagram showing a total exchange business system based on the network as a communication operating system.

2 is an internal configuration diagram of an unmanned information terminal.

3-5 is a view for explaining the detailed process of the exchange method and apparatus using an unmanned information terminal.

Claims (23)

In the exchange method using an unmanned information terminal, Displaying, on the display unit 102, the basic information on the exchange and the application of the coin exchange rate and the currency exchange rate; Step 150 of card and / or passport entry; Step 152 of automatic language selection and / or direct language selection; Nationality selection step 154 of the input currency; Banknote / coin inputting step 156 of foreign currency for exchange of won and / or currency; Checking the banknote amount, coin amount, and total amount of the input money (158); Determining the currency of the target country of exchange (160); A calculation step 162 according to the display of the coin exchange rate and the banknote exchange rate and the application of the exchange rate on the display unit 102; Displaying and confirming the exchange result of the transaction (162); A display of the exchange form and a user selection step 164; Checking the exchange transaction history and issuing a currency exchange receipt (166); Transferring the exchange transaction information to the central information processing center 200 through the communication network 400 (168); A step 170 of classifying and authenticating the exchange transaction information in the central information processing center 200 into a database; Transmitting the exchanged currency to the financial company selected by the user through the network (172); Tracking and checking the exchange information updated by the central information processing center 200 (174); Currency exchange method using an unmanned information terminal comprising the step of withdrawing money from the target country. The method of claim 1, wherein the step 150 of inserting the card and / or the passport comprises the identification information of the user from the card and / or the passport inserted by inserting the card and / or passport into the card / passport reading unit 106 of the unmanned information terminal. Exchange method using an unmanned information terminal, characterized in that for recognizing and confirming card information and financial information. The method of claim 1, wherein the step 152 of language selection and / or direct language selection automatically sets the language used in the unmanned information terminal to be Korean, and reads the card / passport of the unmanned information terminal if the user is not Korean. The unit 106 recognizes the nationality of the card and / or passport user so that the language for the currency exchange processing method is automatically selected, or a request for language selection is displayed on the display unit 102 and the key input unit 104 is displayed. Currency exchange method using an unmanned information terminal, characterized in that the user selects a language. According to claim 1, the nationality selection step 154 of the input currency is the currency nationality of the bills and coins that are put into the unmanned information terminal is designated as the Korean Won, the user does not use the foreign currency exchange currency In the case, the currency exchange method using the unmanned information terminal, characterized in that for selecting the currency nationality of the foreign currency using the key input unit 104 of the unmanned information terminal. The bill / coin input step 156 of the foreign currency for exchange of won and / or foreign currency according to claim 1, wherein the display unit 102 requests the user to input the foreign currency for exchange of won and / or currency for exchange. Currency exchange method using the unmanned information terminal, characterized in that the display unit 102 to display the banknote amount, coin amount, and total amount of the foreign currency for the won and / or currency exchange for the purpose of checking. The method of claim 1, wherein the step of determining the currency of the foreign currency to be exchanged determines whether the currency of the same nationality as the language of the currency exchange method selected by the user is automatically selected as the currency of the foreign currency to be exchanged when the user is not Korea. Currency exchange method using an unmanned information terminal, characterized in that the user can select the second station call using the key input unit 104. The method according to claim 1, wherein the display unit 102 displays the coin exchange rate and the exchange rate of the coin and calculates the exchange rate according to the application of the exchange rate. A second exchange rate is displayed on the display unit 102, requesting consent to apply one or more exchange rates of the two exchange rates, and calculates by applying one or more exchange rates of the two exchange rates to the inputted currency Exchange method using. The method of claim 1, wherein the display and the user's selection step 164 in the form of a refund form include a cash deposit account, a debit card account, a credit card account, a smart card account, or a cash item, which is a type of the refund form. A currency exchange method using an unmanned information terminal, characterized in that it comprises at least one item selected from among the types of types of exchange class displayed. The method of claim 1, wherein the confirmation of the exchange transaction details and the issue of the exchange transaction receipt 166 include displaying the exchange fee on the display unit 102, requesting consent to pay the exchange fee, and issuing a currency exchange receipt. Exchange method using an unmanned information terminal. The method of claim 1, wherein the step 168 of transferring the exchange transaction information to the central information processing center through the communication network 400, the exchange transaction information transmitted to the central information processing center 200 is for user information, exchange of money. Currency nationality and bill value of the foreign currency entered and / or currency exchange, amount of coins, total amount, currency nationality of the currency of the exchange country, applied exchange rate, total exchange rate, exchange type, information on financial company (300A / B), currency exchange transaction Currency exchange method using an unmanned information terminal comprising a fee. The method of claim 1, wherein the step of transmitting the exchanged currency to the financial company 300A / B selected by the user through the network 400 includes the financial company 300A including the bank and credit card company selected by the user in the central information processing center 200. / B) Currency exchange method using an unmanned information terminal, characterized in that for transmitting the exchanged currency. The exchange method according to claim 10, wherein the user tracks and checks the updated exchange transaction information at the central information processing center through a website by using a user ID and password automatically generated in the exchange transaction receipt issuing step. In an exchange device using an unmanned information terminal, An information processing device 108 executable according to the program instructions; A display unit 102 that can be connected to the information processing apparatus 108 and can display instructions to a user user according to the information processing apparatus; A bill / coin input device 110 which a user can input bills / coins and store in the unmanned information terminal; A key input unit 104 for inputting information using a touch screen and / or a voice sensing system; A card / passport reading unit 106 capable of reading card / passport information from a card and / or passport inserted by the user; A memory unit 112 serving as data storage means; A currency exchange receipt printing apparatus 114 including currency exchange transaction information; Exchange device using an unmanned information terminal, characterized in that consisting of a network interface 116 and a central information processing center (200) which is operated to receive and transmit messages through the communication network (400) 14. The information processing apparatus 108 according to claim 13, wherein the information processing device 108 inserts the card and / or passport into the card / passport reading unit 106 of the unmanned information terminal, and the user's identity information, card information and finance from the inserted card and / or passport. Currency exchange device using unmanned information terminal, characterized in that to recognize and confirm the information 15. The card / passport reading unit 106 of the unmanned information terminal determines that the language used in the unmanned information terminal is Korean. Recognizing the nationality of the passport user, the language for the currency exchange processing method is automatically selected, or a request for language selection is displayed on the display unit 102 and the user selects a language using the key input unit 104. Currency exchange system using unmanned information terminal 14. The information processing apparatus 108 according to claim 13, wherein the information processing apparatus 108 designates Korean won as a currency nationality of bills and coin currency input to the unmanned information terminal, and when the user uses foreign currency for exchange without using the won. Using the key input unit 104 of the unmanned information terminal, requesting the display unit 102 to select a currency nationality of a foreign currency. 14. The information processing apparatus 108 according to claim 13, the difference between the coin exchange rate and the banknote exchange rate is displayed on the display unit 102, and requests the user to input foreign currency for exchange of won and / or currency, the user to exchange money Currency exchange device using an unmanned information terminal, characterized in that the display unit 102 to display the bill amount, coin amount, and total amount of the foreign currency entered into the foreign currency and / or currency exchange, and to confirm this. The currency processing apparatus 108 of claim 13, wherein the information processing apparatus 108 automatically selects a currency of the same nationality as the currency of the currency of the user, if the user's nationality is not Korea. Currency exchange apparatus using an unmanned information terminal, characterized in that the user requesting the display unit 102 to select the second station call using the key input unit (104). 14. The information processing apparatus (108) according to claim 13, wherein the information processing apparatus (108) displays on the display unit (102) a first exchange rate applied to the bills of foreign currency for exchange of won and / or currency and a second exchange rate applied to the coin. Request for consent to apply the above exchange rate to the display unit 102, the exchange device using the unmanned information terminal, characterized in that by applying one or more exchange rates of the two exchange rates to the inputted currency 15. The information processing apparatus 108 according to claim 13, wherein the information processing apparatus 108 displays a cash deposit account, a debit card account, a credit card account, a smart card account, or a cash item, which is a kind of a money order, on the display unit 102, and the displayed money order. Currency exchange apparatus using an unmanned information terminal, characterized in that for requesting the display unit 102 to select at least one item of the type of form. 14. The information processing apparatus 108 according to claim 13, displays the exchange fee on the display unit 102 and requests the display unit 102 to agree to pay the exchange fee, and the exchange transaction receipt printing device 114 receives the exchange transaction receipt. Currency exchange device using an unmanned information terminal, characterized in that for issuing The exchange processing information according to claim 13, wherein the information processing apparatus 108 transmits the exchange transaction information to the central information processing center 200 through the network 400, which is a communication operating system. User's details, currency nationality and bill value of won and / or foreign currency for exchange, coin amount, total amount, currency nationality of currency of target country, applied exchange rate, total exchange rate, currency exchange form, financial company (300A / B) Exchange device using an unmanned information terminal, characterized in that it includes information about), currency exchange transaction fee The information processing apparatus 108 of claim 13, wherein the information processing apparatus 108 transmits the exchanged currency to a financial institution 300A / B including a bank and a credit card company selected by the user through the central information processing center 200 connected to the network 400. Currency exchange device using an unmanned information terminal, characterized in that

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