KR20150127348A - Exchange of money kiosk apparatus and exchange method thereof - Google Patents

Abstract

The present invention relates to a foreign exchange kiosk and a foreign exchange method thereof which enable a user to exchange money without inconvenience of visiting a financial institution. The unmanned foreign exchange kiosk includes: a preferential information checking part which checks preferential treatment as to exchange rate or exchange commission by referring to coupon information inputted through a key input part or a code recognition part recognizing a code issued to a preferential coupon; an exchange rate information checking part which checks exchange rate information as to an exchange target currency by referring to previously stored exchange rate information of the day if selection of the exchange currency is inputted from the key input part; and a foreign exchange part which calculates the amount of exchanged money as to the money for exchange by referring to the exchange rate information, the exchange commission and the preferential information if the money for exchange and exchange request are received from a customer through the key input part.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an unmanned currency exchange terminal,

The present invention relates to an unmanned foreign exchange money terminal and a method of exchanging the same, which can exchange money without any time or place in an unmanned terminal.

In recent years, foreign exchange transactions have increased due to business, travel, study abroad, etc., and financial institutions are constantly looking for new services to attract foreign exchange customers.

However, there is a disadvantage that the exchange transaction itself can not be realized without going through the bank.

For example, if you travel to a foreign country, you should visit the bank to exchange the won for foreign currency. In addition to keeping the remaining foreign currency after the trip for the next bank, you must return the remaining foreign currency to Korea from the bank to the Korean won. There is also a way to deposit foreign currency in your foreign currency account, but in the end, if you want to convert foreign currency into Korean currency, you have to visit the bank and exchange money again. In addition, commissions are incurred in the case of redemption, which is in conflict with the ultimate goal of attracting customers as a factor that prevents customers from exchanging money.

In addition, since the currency exchange transaction is not possible after business hours, the inconvenience of the customer is inevitable. Moreover, there is a problem that the staff is consuming a lot of time due to frequent exchange business.

Korean Patent Application Publication No. 10-2009-0057707

The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide an unmanned foreign exchange terminal capable of processing a currency exchange without the hassle of visiting a financial institution, And a method for exchanging the same.

To this end, the unmanned foreign exchange terminal according to an embodiment of the present invention includes a key input unit for inputting information for a currency exchange transaction; A money input port for inputting and withdrawing money of bank notes or coins; A code recognition unit for recognizing a code issued to the preferential coupon; A preferential information confirming unit for confirming preferential treatment of the exchange rate or the exchange fee with reference to the coupon information input through the code recognition unit or the key input unit; An exchange rate information confirming unit for confirming exchange rate information on the currency to be exchanged by referring to the exchange rate information of the previous day when the selection of the exchange rate currency is input from the key input unit; And a control unit for receiving exchange rate information, a currency exchange fee, and preferential information received from the preferential information confirmation unit through the key input unit when receiving a currency exchange request and a currency exchange request from the customer, And a currency exchange unit for calculating the total amount.

In an embodiment of the present invention, the currency exchange unit may deposit the cash corresponding to the currency to be exchanged into the currency input port and withdraw the calculated exchange rate when the exchange execution is requested.

In one embodiment of the present invention, when the money exchange unit withdraws the money to be exchanged from the current account at the request of the customer, the unmanned money exchange terminal inquires whether the current account of the customer is present at the request of the money exchange unit , And an account checking unit for confirming whether the money to be exchanged is deposited in the inquired bank account.

In one embodiment of the present invention, the unmanned foreign exchange terminal defines events and promotions linked with a social networking service (SNS) service and discounts the exchange commission or exchange rate according to the SNS participation history corresponding to the event or promotion And an SNS interworking unit for issuing preferential information differentially.

Meanwhile, a method for exchanging money using an unmanned foreign exchange terminal according to an embodiment of the present invention includes: receiving a selection of a currency to be exchanged by an unmanned foreign exchange terminal; Checking the exchange rate information on the currency to be exchanged with the unmanned exchange terminal with reference to the exchange rate information of the same day stored in the unattended exchange terminal, and displaying the exchange rate information on the screen; Requesting and inputting an input of a cash amount to be exchanged from a customer by the unmanned currency converter terminal; Requesting and inputting an input of whether or not the unattended exchange terminal has a preferential coupon when exchanging money; And calculating the final exchange amount with reference to the exchange rate information, the exchange fee, and the preferential information included in the preferential coupon with respect to the cash amount inputted by the unmanned foreign exchange terminal.

The method may further include, after the step of calculating the final total liquid amount, withdrawing the total amount of money to the money input port when the amount of money to be exchanged is inputted through the money input port.

In the case of withdrawing the amount of money to be exchanged from the current account after the step of calculating the final total amount of exchange, the unmanned money converter terminal inquires the current account of the customer through the authentication of the customer, And confirming whether or not the money is deposited.

If the unattended exchange terminal presents an event or a promotion linked to the SNS service in the step of checking whether there is a preferential coupon, if there is a participation history corresponding to the presented event or the promotion, the exchange rate Or discriminating preferential information for discounting the exchange rate.

According to the present invention, exchange processing can be performed without the hassle of a customer having to visit a financial institution.

 In addition, since it does not depend on the business hours of the financial institution, it can solve the inconvenience of the customer, and can solve the problem that the staff of the financial institution consume a lot of money due to the frequent exchange business, have.

In addition, there is an advantage in that it is advantageous for attracting customers because the fee can be reduced according to whether a coupon or a social networking service (SNS) is issued to the customer.

In addition, since coins can be exchanged at the same time as the banknotes of traveling countries, it is possible to preserve not only the convenience of customers but also the loss of money when the coins can not be exchanged.

1 is a block diagram illustrating a network connection relationship of an unmanned foreign exchange terminal according to an embodiment of the present invention;
BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]
3 is a flowchart illustrating a method for exchanging an unmanned foreign exchange call terminal according to an embodiment of the present invention.
4 is a detailed flowchart of Fig.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

The financial institutions referred to below mainly refer to banking companies. Financial services include banking transactions with customers, including banking transactions such as banking transactions, transfer transactions, loan transactions, and foreign exchange transactions. However, financial institutions may include insurance companies, securities companies, and the like.

1 is a configuration diagram illustrating a network connection relationship of the unmanned foreign exchange call terminal according to the embodiment of the present invention.

A plurality of the unmanned foreign exchange call terminals 100 according to the embodiment of the present invention are provided at an airport terminal, a station, or a branch of a financial institution.

As shown in the figure, a plurality of the unmanned foreign exchange call terminals 100 are connected to the first financial company 300 and the second financial company 400 via the network 200 to exchange data related to exchange transactions.

Here, the first financial institution 300 and the second financial institution 400 are financial institutions such as banks and card companies, and in the case of bank financial institutions, a plurality of the unmanned foreign exchange terminals 100 are managed. The first financial institution 300 and the second financial institution 400 receive and manage transaction details and settlement details exchanged through the plurality of unmanned foreign exchange call terminals 100.

Particularly, in the case where a plurality of unmanned foreign exchange terminals 100 withdraw a Korean currency through the current account and exchange money, the first financial company 300 or the second financial company 400 accesses a plurality of the unmanned foreign exchange terminals 100, , And data transfer related to withdrawals of Korean won in real time.

When a customer selects a currency (currency) desired to be bought or sold and requests a currency exchange, the plurality of unmanned currency exchange terminals 100 process a currency exchange based on the amount to be exchanged, the exchange rate, and the fee.

The plurality of unmanned foreign exchange call terminals 100 are implemented in the form of a kiosk such as an ATM device, and can be processed unattended.

Also, the plurality of unmanned foreign exchange call terminals 100 may provide an event or a promotion for the exchange service in cooperation with the SNS server. In other words, exchange service can be added to the SNS service, and exchange rate preference can be given according to the history of SNS participation.

Specifically, the configuration of the unmanned foreign exchange call terminal 100 is shown in FIG.

Referring to FIG. 2, an unmanned foreign exchange call terminal 100 according to an embodiment of the present invention can be roughly classified into an input unit, an information processing unit, and an output unit.

The input unit includes a key input unit 102, a money input port 104 and a barcode recognition unit 106. The information processing unit includes a language support unit 108, a call selection unit A currency exchange information confirmation unit 112, a currency exchange unit 114, a coupon confirmation unit 116, an SNS interworking unit 118, a current account inquiry unit 120, and the like. And, the output includes a display 122.

The display 122 displays information necessary for currency exchange through a screen output and an audio output using a CRT (Cathode Ray Tube), an LCD (Liquid Crystal Display), or an LED (Light Emitting Diode) technology.

At this time, when the display 122 is implemented as a touch screen capable of key input using a screen touch, the display 122 may simultaneously perform the function of the key input unit 102. [

The key input unit 102 mainly uses a keypad as an information input device. Alternatively, the key input unit 102 may use a touch screen or a voice detection system.

In particular, in this embodiment, the key input unit 102 inputs information necessary for currency exchange, such as language selection, foreign currency purchase, selection of a currency to be sold, and input of money to be exchanged. The input method is possible through selection of the menu displayed through the display 122 or direct information input.

The money input port 104 inputs the cash to be exchanged and withdraws the exchange amount (exchange amount) processed through the information processing unit. At this time, the information processing unit automatically recognizes the amount of the cash inputted through the money input port 104, thereby enabling the automatic processing of money. The money input port 104 may be provided only with a bill insertion slot, and may include a bill and a coin as respective input ports.

The barcode recognition unit 106 recognizes the barcode issued by the preferential coupon. The barcode recognition unit 106 may scan a coupon in the form of an electronic code with a barcode reader or photograph a coupon to recognize barcode information through image recognition. Here, the barcode information may be preferential information for the coupon. Preferential information includes preferential rates for discounts or discounts, discount information, and the like.

The barcode recognition unit 106 can be applied when the preferred coupon is a barcode. If the preferred coupon includes a QR code, an RFID code, and an NFC code other than the bar code, it is natural that a reader for recognizing the code is provided. As described above, the barcode recognition unit 106 is an example of a configuration for recognizing a barcode, and can be extended to a code recognition unit for recognizing various kinds of codes.

If the coupon number is printed on the coupon, the coupon number can be input through the key input unit 102 instead of the barcode recognition unit 106. [

In the information processing unit, the language support unit 108 supports various languages for communication in exchange transactions. In other words, the language support unit 108 is intended to extend the use of the service to non-Korean foreigners.

The currency selection unit 110 displays and guides the currency list screen to the display 122 so as to select a foreign currency purchase or currency to be sold or a currency to be sold or the like from the key input unit 102, The selection is input.

When the selection of the currency to be exchanged is inputted through the currency selection unit 110, the exchange rate information confirmation unit 112 refers to the exchange rate information of the previous day to check the exchange rate (for example, the official exchange rate, etc.) . The exchange rate information of the day can be stored in the memory of the unmanned foreign exchange terminal or can be checked in real time by connecting with a financial institution.

The preferential coupon confirmation unit 116 refers to the coupon information input through the bar code recognition unit 106 or the key input unit 102 to confirm whether or not a preference for the exchange rate or the fee is paid. For example, if the coupon information includes 10% of the exchange rate preferential rate, the preferential coupon verification unit 116 transfers the detailed information acquired through the bar code recognition unit 106 to the currency exchange unit 114 so as to reflect the exchange rate at the time of exchange.

The currency exchange unit 114 receives a currency exchange request from the customer through the key input unit 102 and performs a currency exchange transaction on the currency selected by the user at the request. In the exchange transaction, the currency exchange unit 114 controls the display 122 to display a screen requesting input for the amount of money to be exchanged (cash), and at the request thereof, the amount of money (cash) to be exchanged from the key input unit 102 And receives data for the data. Then, a final exchange amount (exchange amount) is calculated based on the cash amount input by the currency exchange unit 11400, the probability information confirmed through the exchange rate information confirmation unit 112, and the exchange fee.

At this time, when the currency exchange unit 114 receives the preferential information included in the coupon information from the preferential coupon verification unit 116, the preferential information is reflected when calculating the exchange amount.

Also, if the SNS participation history is proved through the SNS interworking unit 118, which will be described later, the exchange unit 114 may additionally reflect the preferential information according to the SNS participation history to calculate the final exchange amount.

Also, the currency converter 114 first calculates the exchange amount based on the currency information inputted through the key input unit 102, extracts the calculated currency amount when the actual currency is input through the currency input slot 104 And withdraws to the money input port 104.

When exchanging money, the bank account can be used without putting real money into the money input port 104. In this case, the currency exchange unit 114 interlocks with the pertinent account inquiry unit 120 to perform the identity authentication and to withdraw the Korean currency from the customer's current account.

The SNS interworking unit 118 of the information processing unit presents an event or promotion linked with the SNS service, and confirms whether the customer participates in the presented event or promotion. If the customer has a history of participating in the SNS service, he or she will be given preferential information discounting the commission or exchange rate depending on the degree of participation. When the preferential information is issued, the SNS interworking unit 118 transmits the preferential information to the exchange unit 114 immediately, so that the SNS interworking unit 118 can immediately apply the preferential information upon calculating the exchange amount. For example, in the case of sharing advertisements for the exchange service on the SNS to the SNS, the discount condition on the exchange fee or the exchange rate may be differentially favored depending on the number of shares.

The current account inquiry unit 120 inquires whether the customer's account exists or not by request of the currency exchange unit 114. When the money withdrawal request is received from the currency exchange unit 114, the amount to be withdrawn to the account of the customer is deposited . The inquiry and confirmation information can be displayed on the screen through the display 122. [

The information processing unit is operated by using a microprocessor designed to execute software or firmware. In addition, the information processing unit can be implemented in a single application form.

The functions of the unmanned telephone exchange terminal that can be executed according to the program instructions to implement the present invention are as follows.

3 is a flowchart illustrating a method of exchanging an unmanned foreign exchange terminal according to an exemplary embodiment of the present invention. Referring to FIG.

 In the first step S100, the unmanned foreign exchange terminal 100 receives the selection of the currency to be exchanged from the exchange menu screen displayed on the screen through the currency selection unit 110. [

Then, in the next step (S102), the unmanned foreign exchange terminal 100 confirms the exchange rate for the currency to be converted with reference to the exchange rate information of the same day stored on the screen through the exchange rate information confirmation unit 112 and displays it on the screen.

In the next step S104, the unmanned foreign exchange call terminal 100 requests the customer to input the amount of money to be exchanged for the subsequent exchange service proceeding, and receives the information about the amount to be exchanged from the key input unit by the request.

Thereafter, in the next steps (S106 and S107), a screen for confirming whether the special coupon confirmation section 116 of the unmanned foreign exchange call terminal 100 has a preferential coupon is presented, and if there is a preferential coupon through this screen, Receive input. If you do not have a coupon, proceed to the next exchange without entering the coupon.

The coupon information may be in the form of a number including numbers and letters input through the key input unit, or may be in the form of a bar code, a QR code, an RFID code, an NFC code, or the like. In the former case, the automatic ticket exchange terminal 100 can receive the coupon information through the key input unit, so that the next step S110 can be performed. In the latter case, the unmanned foreign exchange call terminal 100 goes through a code recognition process (S109) using a code recognition unit.

When the coupon information for the preferential coupon is inputted, in the next step S110, the coupon confirmation unit 116 of the automatic mutual exchange terminal 100 registers coupon information to reflect the coupon information in the exchange calculation process.

Thereafter, in step S112, the unmanned foreign exchange terminal 100 transmits the final exchange amount (exchange amount) to the currency amount inputted based on the exchange rate information, the exchange fee, and the coupon information in the presence of the coupon, .

In the next step S114, the amount of the exchange amount is displayed on the screen of the automatic mutual exchange terminal 100. [

In the next step S116, it is confirmed whether or not the unmanned telephone exchange terminal 100 requests a user to exchange money.

This can be confirmed by guiding the unmanned foreign exchange call terminal 100 through the screen so that the user can select whether to perform the actual exchange. In addition, the customer can be confirmed by guiding the screen to request the actual cash input.

In the next step S118 and S120, when the cash to be exchanged is input through the money input port 104, the money deposited by the unmanned foreign exchange terminal 100 is deposited and the exchange amount calculated in the previous step is transferred to the money input port 104 .

Meanwhile, in step S106, if there is an event or promotion associated with the SNS service, the unmanned foreign exchange terminal can present the information to the customer. The presentation can be displayed in a pop-up form on the screen or in some areas of the screen to induce participation in an event or promotion.

In this case, the unmanned foreign exchange call terminal 100 confirms whether or not an intention to participate in the event or promotion is received from the customer, and if the participation history through the SNS is recognized along with the participation intention reception, the exchange rate fee or the favorable coupon . The higher the level of participation, the more favorable discounts are made.

For example, the phrase "We exchange money for summer vacation at XX bank! Discount "to the SNS, sticking it in the form of a sticker, etc., and provide preferential terms differently depending on the number of participations.

FIG. 4 shows a method of performing foreign currency exchange using an on-line account.

That is, when the unmanned call receiving terminal 100 receives a request for calculating the final settlement amount and performing a currency exchange from the customer in the currency exchange execution step S116, it is confirmed whether the current account is to be used in the next step S200.

In the next step S202, when the current account is used, the unmanned foreign exchange call terminal 100 inquires the current account through the identity verification. Display the inquired bank account on the screen.

In the next step S204, the unmanned foreign exchange terminal 100 receives a selection of an account to be withdrawn and confirms whether or not the account has been deposited in the selected account with a cash amount or more.

The identity verification may be performed by using the card associated with the account. Or through fingerprint recognition or customer identification number (resident registration number, etc.).

The inquiry can be one account and can be more than one according to the registered account information. If you have more than one, you can assign the withdrawal account by selecting an account in the inquiry list.

In the next step S206, the unmanned foreign exchange terminal 100 withdraws the corresponding cash amount and transfers the exchange amount calculated in the previous step to the money input port 104 when the unmanned foreign currency exchange terminal 100 has been deposited in the selected account with a cash amount or more.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: Unmanned exchange terminal 102: Key input unit
104: Money input port 106: Bar code recognition section
108: language support unit 110: currency selection unit
112: Exchange rate information confirmation unit 114:
116: Coupon verification part 118: SNS cooperation part
120: current account inquiry unit 122: display

Claims (8)

A key input unit capable of inputting information for a currency exchange transaction;
A money input port for inputting and withdrawing money of bank notes or coins;
A code recognition unit for recognizing a code issued to the preferential coupon;
A preferential information confirming unit for confirming preferential treatment of the exchange rate or the exchange fee with reference to the coupon information input through the code recognition unit or the key input unit;
An exchange rate information confirming unit for confirming exchange rate information on the currency to be exchanged by referring to the exchange rate information of the previous day when the selection of the exchange rate currency is input from the key input unit; And
Upon receipt of a money exchange request from the customer via the key input unit and the exchange request, the control unit refers to the exchange rate information, the exchange fee, and the preferential information received from the preferential information confirmation unit, ,
Wherein the unmanned money changing terminal comprises: The method according to claim 1,
The exchange unit
Wherein the money to be exchanged is input into the money input port, and when the exchange execution is requested, the calculated amount of money is paid out. The method according to claim 1,
When the money exchange unit withdraws the money to be exchanged from the current account at the request of the customer,
Inquiring whether or not the customer's current account is present at the request of the currency exchange unit and checking whether the amount to be exchanged is deposited in the inquired foreign currency account,
Further comprising: an unauthorized money exchange terminal. The method according to claim 1,
An SNS (Social Networking Service) service, and an SNS interworking part for separately issuing preferential information for discounting the exchange fee or the exchange rate according to the SNS participation history corresponding to the event or the promotion,
Further comprising: an unauthorized money exchange terminal. Receiving the selection of the currency to be exchanged by the unmanned exchange terminal;
Checking the exchange rate information on the currency to be exchanged with the unmanned exchange terminal with reference to the exchange rate information of the same day stored in the unattended exchange terminal, and displaying the exchange rate information on the screen;
Requesting and inputting an input of a cash amount to be exchanged from a customer by the unmanned currency converter terminal;
Requesting and inputting an input of whether or not the unattended exchange terminal has a preferential coupon when exchanging money; And
Calculating a final exchange amount with reference to the exchange rate information, the exchange fee, and the preferential information included in the preferential coupon with respect to the cash amount inputted by the unmanned foreign exchange terminal,
The method comprising the steps of: 6. The method of claim 5,
After the step of calculating the final total liquid amount,
And withdrawing the amount of money to the currency input port when the amount of money to be exchanged is inputted through the money input port
Wherein the unmanned foreign exchange terminal further comprises: 6. The method of claim 5,
After the step of calculating the final total liquid amount,
When withdrawing the cash amount to be exchanged from the current account,
Confirming whether the unmanned foreign exchange terminal inquires about the insured account through authentication of the customer's identity and whether or not the insured money has been deposited in the insured account accounted for more than the cash amount
Wherein the unmanned foreign exchange terminal further comprises: 6. The method of claim 5,
In the step of checking whether there is the above-mentioned preferential coupon,
If the unmanned foreign exchange terminal presents an event or a promotion linked to the SNS service, and if there is a participation history corresponding to the presented event or promotion, the unauthorized money exchange terminal issues different preferential information to discount the exchange fee or the exchange rate depending on the degree of participation history
Wherein the unmanned foreign exchange terminal further comprises:

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