KR20130006802A - Currency exchange service method of providing currency - Google Patents

Currency exchange service method of providing currency Download PDF

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Publication number
KR20130006802A
KR20130006802A KR1020110061360A KR20110061360A KR20130006802A KR 20130006802 A KR20130006802 A KR 20130006802A KR 1020110061360 A KR1020110061360 A KR 1020110061360A KR 20110061360 A KR20110061360 A KR 20110061360A KR 20130006802 A KR20130006802 A KR 20130006802A
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KR
South Korea
Prior art keywords
exchange
currency
real
customer
foreign
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Application number
KR1020110061360A
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Korean (ko)
Inventor
이광필
Original Assignee
농업협동조합중앙회
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Publication date
Application filed by 농업협동조합중앙회 filed Critical 농업협동조합중앙회
Priority to KR1020110061360A priority Critical patent/KR20130006802A/en
Publication of KR20130006802A publication Critical patent/KR20130006802A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

According to the present invention, when a currency exchange reservation is requested from a terminal at a currency exchange server, the exchange server requests a currency exchange account and a currency exchange condition to the terminal, registers the terminal, checks whether the currency exchange conditions are satisfied, and the currency exchange conditions are met. Then, the step of exchanging according to the exchange conditions using the exchange account and the foreign currency realization prepared by the customer in the currency exchange server to prepare a foreign currency real customer characterized in that it comprises the step of receiving the foreign currency real.

Description

Currency exchange service to provide real foreign currency {CURRENCY EXCHANGE SERVICE METHOD OF PROVIDING CURRENCY}

The present invention relates to a currency exchange service, and more particularly, to a currency exchange service method for providing a foreign currency real-time to provide a foreign currency real estate at the time of currency exchange.

Currency exchange means the exchange of different types of currency and currency, or currency and money, for example, the exchange of domestic and foreign currencies according to exchange rates.

Currency exchange is one of the main tasks of the bank, and the bank's branch or headquarters provides currency exchange services, but the exchange can also be done through the Internet exchange system or exchange office. For example, airports and passenger terminals are equipped with bank exchange offices to provide currency exchange services to travelers.

When the user wants to use such a currency exchange service, the user visits the branch office in person, prepares a currency exchange fee such as cash or check, and requests the currency exchange branch to exchange the transaction.

The technical structure described above is a background technique for assisting the understanding of the present invention, and does not mean the prior art widely known in the technical field to which the present invention belongs.

Conventionally, when a customer withdraws a real item from a foreign currency account, the customer is charged with a fee for using a bank service for receiving money exchange.

The present invention has been made to improve the above-mentioned problems, when a customer applies for a currency exchange transaction and sets a currency exchange condition, the exchange service is automatically made according to whether the currency exchange conditions are satisfied to provide currency realities. The purpose is to provide a method.

According to an aspect of the present invention, there is provided a currency exchange service method for providing a real foreign currency real estate, when a currency exchange server receives an exchange reservation request from a terminal, requesting and registering a currency exchange account and exchange conditions at the exchange server; Checking whether the exchange condition is satisfied at the exchange server; If the exchange condition is satisfied at the exchange server, exchanging money according to the exchange condition using the exchange account; And in the currency exchange server, the customer preparing a foreign currency real provided by the currency exchange so that the customer can receive the foreign currency real.

In the present invention, the step of allowing the customer to receive the foreign currency real object is characterized in that notifying the terminal of the available period for receiving the foreign currency real object.

The currency exchange history of the present invention and the receiving period is characterized in that it is provided through a text message service.

In the present invention, if the foreign currency real item is not received within the available period, the foreign currency real estate is sold at the exchange rate at the time when the available period has elapsed, characterized in that it further comprises the step of depositing a money exchange account .

In the present invention, the exchange condition is characterized in that it comprises at least one or more of the exchange period and the exchange rate.

In the present invention, if the exchange condition is not satisfied in the exchange server, it characterized in that it further comprises the step of canceling the exchange exchange reservation.

According to the present invention, the foreign currency real money is prepared in accordance with the currency exchange transaction so that the customer can directly receive the foreign currency real money, thereby reducing the fees incurred in the currency exchange transaction to the customer and exchanging the currency at the highest rate.

1 is a block diagram of an exchange service apparatus for providing a real foreign currency according to an embodiment of the present invention.
2 is a block diagram of an exchange server according to an embodiment of the present invention.
3 is a flowchart of a currency exchange service method for providing a real foreign currency according to an embodiment of the present invention.

Hereinafter will be described in detail with reference to the accompanying drawings a currency exchange service method for providing a real foreign currency according to an embodiment of the present invention. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or convention of a user or an operator. Therefore, the definitions of these terms should be made based on the contents throughout the specification.

1 is a block diagram of an exchange service apparatus based on a currency exchange reservation according to an embodiment of the present invention, and FIG. 2 is a block diagram of an exchange server according to an embodiment of the present invention.

Currency exchange service apparatus for providing a foreign currency real according to an embodiment of the present invention includes a terminal 10 and a currency exchange server (20).

The terminal 10 is a terminal that supports a customer who wants to use a currency exchange service to access a currency exchange server 20 to use a currency exchange service. The terminal 10 includes a customer terminal 11, a store terminal 12, and a deposit and withdrawal terminal 13. Include.

The customer terminal 11 is a terminal carried or carried by the customer, so that the customer can use the exchange service by accessing the exchange server 20 through a wired or wireless communication network or the like. The customer terminal 11 includes a smartphone or a personal computer (Personal Computer).

The branch terminal 12 is provided at each branch of a financial institution that provides currency exchange services to input and output various information required to provide a currency exchange service at the request of a customer.

The deposit and withdrawal terminal 13 is a terminal that is operated by a financial institution such as an ATM (Automatic Teller Machine) to support the withdrawal, transfer or exchange service of a financial institution without directly visiting a branch.

For reference, the present embodiment is not limited to the terminal 10 described above, and will include all terminals that can provide exchange service while transmitting and receiving various information through data communication by accessing the exchange server 20. .

The exchange server 20 is provided in a financial institution to exchange information with the terminal 10 for providing a currency exchange service through a communication network and provide a currency exchange service to a customer.

The exchange server 20 includes an information processor 21, a condition determiner 22, a currency exchange processor 23, a real information generator 24, and a database 25.

The database unit 25 includes a personal information storage unit 251, a reservation information storage unit 252, an account information storage unit 253, an exchange rate information storage unit 254, a currency exchange information storage unit 255, and a real information storage unit. (256).

The personal information storage unit 251 stores the personal information of the customer. The personal information includes a name, social security number, address, mobile phone number, ID (Identification) for accessing the exchange server 20, a password, a currency exchange account number for using a currency exchange service, and the like.

The reservation information storage unit 252 stores currency exchange conditions set by the customer. Currency exchange conditions include foreign currency, currency exchange periods, exchange rates, and currency exchange charges.

Here, the exchange conditions include foreign currency, exchange periods and exchange rates, exchange rates, and the like, and may be variously set by combining at least one exchange period and exchange rates.

The currency exchange period is a period set by the customer, and the customer may be set as, for example, two months or three months from the present, or may be set as the present time from 00 to 000,000 in 0000.

A foreign currency is a foreign currency, such as US dollars, yens or euros, that you wish to exchange.

The exchange rate is the rate set by the customer for foreign currencies such as the US dollar, the yen and the euro.

Here, within the above exchange period, the customer may arbitrarily change the exchange conditions set by the customer.

The account information storage unit 253 stores the exchange account information in which the exchange money is deposited. The exchange account information includes the account holder, the exchange account number, the deposit amount, and the exchange price.

The exchange rate information storage unit 254 stores the exchange rate for each foreign currency.

The currency exchange information storage unit 255 stores currency exchange information generated according to the currency exchange processed by the currency exchange processing unit 23. Currency exchange information includes a variety of information on the foreign currency currency exchanged, such as foreign currency real, currency exchange amount, exchange time.

The real information storage unit 256 stores real information on the foreign currency after the exchange. The actual information includes the amount of the foreign currency, i.e., the amount of currency exchange, the branch which can provide the foreign currency, the exchange time, the exchange rate at the time of exchange, and the period in which the foreign currency can be received.

The information processing unit 21 controls the exchange server 20 as a whole to provide a currency exchange service to the customer. For example, information for providing a currency exchange service to a customer is extracted from the database unit 25 and transmitted to the terminal 10, and the information input from the terminal 10 and transmitted through a communication network is stored in the database unit 25. do.

When the exchange conditions are set by the customer, the information processing unit 21 stores them in the database unit 25, and in real time, various changes such as whether or not the various exchange conditions are satisfied, the sale of a call, or the change of the exchange conditions are performed in real time. Not only transmit to the terminal 10 of the customer, but also to send a text message service to the customer.

Therefore, the customer can recognize in real time the various changes according to the exchange conditions set by the customer.

When the exchange request is requested from the customer, the condition determination unit 22 reads the exchange conditions set by the customer in the personal information storage unit 251 and the reservation information storage unit 252 and determines whether the exchange condition is satisfied.

That is, the condition determination unit 22 reads the personal information of the customer who requested the exchange reservation from the personal information storage unit 251, and reads the corresponding exchange condition from the reservation information storage unit 252 using this personal information. .

Subsequently, it is determined whether the exchange rate coincides with the exchange rate set by the customer within the exchange period, and when the determination result matches the exchange rate set by the customer, the exchange processing unit 23 requests a currency exchange transaction.

In addition, when the exchange transaction is made, the condition determination unit 22 determines whether the available period for receiving foreign currency real money has elapsed. At this time, if the foreign currency real object is not received until the period of receipt possible, the foreign currency processing unit 23 requests the sale of the foreign currency real object.

Here, the period of receipt can be set from two months or three months or until 00 00 0000 from the establishment of a currency exchange transaction, and can vary depending on the exchange rate change in the exchange server 20, the storage cost of the foreign currency, etc. Could be set.

The exchange unit 23 extracts the exchange account information for the corresponding exchange account from the account information storage unit 253 according to the exchange request of the condition determination unit 22, and withdraws the exchange money from the exchange account to exchange the real currency. Buy.

When the condition determination unit 22 is asked to sell the foreign currency physical entity, the currency exchange processor 23 sells the foreign currency physical entity at the exchange rate at the time when the above-mentioned receipt period has elapsed.

The real information generation unit 24 generates various real information on the foreign currency real estate as described above, when the currency exchange processing unit 23 establishes a currency exchange.

Hereinafter, a currency exchange service method for providing a real foreign currency according to an embodiment of the present invention will be described in detail with reference to FIG. 3.

3 is a flowchart of a currency exchange service method for providing a real foreign currency according to an embodiment of the present invention.

First, when the customer wants to use a currency exchange service, the customer accesses the exchange server 20 by inputting an identification number such as his ID and password through the terminal 10.

In this case, the information processing unit 21 compares the input ID and password with the ID and password previously stored in the personal information storage unit 251 to authenticate whether the customer can use the exchange service. On the other hand, if the customer is not registered as a customer who can use the currency exchange service, request membership registration.

On the other hand, when the terminal 10 is connected to the exchange server 20 through the authentication process described above, the information processing unit 21 determines whether there is a currency exchange reservation request from the terminal 10 (S10).

As a result of the determination, the information processing unit 21 requests the terminal 10 to input a currency exchange account and currency exchange conditions for providing a currency exchange service when there is a currency exchange reservation request.

Accordingly, the customer inputs the exchange account and exchange conditions through the terminal 10, the terminal 10 transmits the exchange account and exchange conditions to the information processing unit 21.

When the information processing unit 21 receives the exchange account and exchange conditions, the exchange account is stored in the account information storage unit 253 and the exchange conditions are stored in the reservation information storage unit 252 to register the exchange account and exchange conditions. (S20).

As such, when the exchange condition is registered, the condition determination unit 22 reads the exchange condition from the reservation information storage unit 252, and at this time, the exchange rate and exchange time of the corresponding foreign currency stored in the exchange rate information storage unit 254, etc. It is determined whether the exchange conditions are satisfied using (S30).

In particular, even after the exchange condition is registered, the information processing unit 21 allows the exchange condition to be changed from time to time at the request of the customer.

If the exchange condition is not satisfied, the condition determination unit 22 notifies the customer terminal 11 that the exchange condition is not satisfied to the customer, and cancels the exchange reservation. In this case, it is possible to provide a text message service to the mobile phone number set by the customer that the exchange conditions are not satisfied.

However, the technical scope of the present invention is not limited thereto, and includes changing the exchange conditions again while notifying the terminal 11 of the customer that the exchange conditions are not satisfied before canceling the exchange reservation.

In this case, when the exchange condition is changed, the above process is repeated again to confirm registration and satisfaction of the exchange condition.

On the other hand, if the exchange condition is satisfied, the condition determination unit 22 informs the customer that the exchange condition is satisfied and the foreign currency purchase unit is purchased, and the exchange unit 23 exchanges the exchange for the corresponding exchange account. Request a deal.

Here, if the exchange conditions are satisfied and the foreign currency is purchased, the exchange can be provided as a text message service to the mobile phone number set by the customer.

Accordingly, the currency exchange processing unit 23 reads the exchange account number from the exchange account information, and converts the corresponding currency of the exchange account into the corresponding foreign currency to prepare the foreign currency in real (S40).

That is, the foreign currency is purchased by paying the cash deposited in the exchange account as the exchange money.

Accordingly, the real information generation unit 24 stores the real information, for example, the amount of the foreign currency real, the branch that provides the foreign currency real, the exchange time, the exchange rate at the time of exchange.

In addition, the currency exchange processing unit 23 notifies the terminal 10 via the information processing unit 21 of the exchange transaction information and the receipt period in which the actual receipt is possible (S50).

In this case, it is possible to provide a text message service to the mobile phone number set by the customer the exchange history and the available period.

Thereafter, the condition determination unit 22 determines whether the foreign currency real object is received before the available period of receiving (S60, S70), and ends if the foreign currency real body is received before the acceptable period of time has elapsed.

Here, it is possible to determine whether the foreign currency real item is received by registering that the customer has received the foreign currency real object at a branch or the like that provides the foreign currency real item.

On the other hand, it is determined whether the foreign currency real item is received before the available period of receipt (S60, S70), and if the foreign currency real item is not received even after the available period of receipt, the foreign currency real estate is sold to the currency exchange processing unit 23. Re-deposit to the exchange account by requesting.

Accordingly, the currency exchange processing unit 23 exchanges the foreign currency real money at the exchange rate at the time when the receipt period becomes available (S90), and notifies the terminal 10 of the selling information according to the foreign currency physical sale through the information processing unit 21. (S100).

In this case, if the foreign currency is exchanged at the exchange rate at the time of receipt of the elapsed time, it can be provided as a text message service through the mobile phone number set by the customer.

In this case, the currency exchange account information, the exchange money exchange information, and the real information, which are re-deposited and changed according to the foreign currency physical sale, are transferred to the account information storage unit 253, the currency exchange information storage unit 255, and the real information storage unit 256. Save it.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, I will understand. Accordingly, the true scope of the present invention should be determined by the following claims.

10: terminal 11: customer terminal
12: branch terminal 13: withdrawal terminal
20: currency exchange server 21: information processing unit
22: condition determination unit 23: currency exchange processing unit
24: real information generating unit 25: database unit
251: personal information storage unit 252: reservation information storage unit
253: account information storage unit 254: exchange rate information storage unit
255: currency exchange information storage unit 256: real information storage unit

Claims (6)

Requesting a currency exchange reservation from a terminal at a currency exchange server, requesting a currency exchange account and exchange conditions from the exchange server to register with the terminal;
Checking whether the exchange condition is satisfied at the exchange server;
If the exchange condition is satisfied at the exchange server, exchanging money according to the exchange condition using the exchange account; And
The foreign exchange real-time service method comprising the step of preparing a foreign currency real customer provided by the exchange at the currency exchange server to allow the customer to receive the foreign currency real. The method of claim 1, wherein the step of enabling the customer to receive the foreign currency real
Currency exchange service method for providing a real foreign currency, characterized in that notified to the terminal the available period of receipt of the foreign currency real. The currency exchange service method of claim 2, wherein the currency exchange history and the available receipt period are provided through a text message service. 4. The method of claim 3, further comprising: selling the foreign currency real money at an exchange rate at the time when the available period elapses and depositing the money into an exchange account if the foreign currency real money is not received within the available time period. Foreign currency exchange service providing real foreign currency. The method of claim 1, wherein the currency exchange conditions include at least one of a currency exchange period and an exchange rate. The method of claim 1, further comprising: canceling the exchange reservation if the exchange condition is not satisfied at the exchange server.
KR1020110061360A 2011-06-23 2011-06-23 Currency exchange service method of providing currency KR20130006802A (en)

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KR1020110061360A KR20130006802A (en) 2011-06-23 2011-06-23 Currency exchange service method of providing currency

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016072739A1 (en) * 2014-11-05 2016-05-12 마이뱅크주식회사 Method, server, and terminal for providing real-time exchange rate information
KR20180132020A (en) * 2016-12-27 2018-12-11 주식회사 카카오페이 Current exchange service providng method and apparatus for performing the method
JP2022096586A (en) * 2020-12-17 2022-06-29 株式会社スイッチワン Method for providing automatic exchange payment service

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016072739A1 (en) * 2014-11-05 2016-05-12 마이뱅크주식회사 Method, server, and terminal for providing real-time exchange rate information
KR20180132020A (en) * 2016-12-27 2018-12-11 주식회사 카카오페이 Current exchange service providng method and apparatus for performing the method
JP2022096586A (en) * 2020-12-17 2022-06-29 株式会社スイッチワン Method for providing automatic exchange payment service

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