KR20160053624A

KR20160053624A - Information Platform System on Foreign Exchange Rate and its Information Processing Method

Info

Publication number: KR20160053624A
Application number: KR1020140152926A
Authority: KR
Inventors: 이성주
Original assignee: 마이뱅크주식회사
Priority date: 2014-11-05
Filing date: 2014-11-05
Publication date: 2016-05-13

Abstract

The present invention relates to an exchange rate information platform which provides customized exchange rate information to a terminal of a user in need of exchange rate information and an information processing method thereof. The exchange rate information platform system comprises the followings: an exchange rate collection unit for collecting information about exchange rates; an exchange rate information providing unit for providing the information about exchange rates; an exchange rate information analyzing unit for producing analysis of exchange rates; and an exchange rate information database which stores management information of exchange rate information, information about customers, and the exchange rate information platform system. The exchange rate information includes at least one among the basic exchange rate, selling rate, transferring rate and the spread rate. Therefore, by using the present invention, consumers can quickly obtain the most advantageous information, thereby significantly reducing the price, finding a private exchange office providing the most advantageous trading conditions, and minimizing the price of foreign exchange.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a foreign exchange information platform system,

The present invention relates to a foreign exchange information platform system and an information processing method thereof, and more particularly, to a foreign exchange information platform system for providing customized exchange rate information to a terminal of a user of exchange rate information and an information processing method thereof.

Not only banks and financial institutions around the world, but also small institutions and corporations dealing with finance also provide exchange rate information. In Korea, for example, 17 banks are required to disclose their exchange rates on their respective websites. The exchange rates they provide include the base exchange rate, the trading exchange rate, the exchange rate and the spread rate (commission).

For example, exchange rates are provided in the following places:

Exchange Bank : http://fx.keb.co.kr/FER1101C.web?schID=fex&mID=FER1101C

Kookmin bank : https://okbfex.kbstar.com/quics?page=C015690 Woori Bank: https://spot.wooribank.com/pot/Dream?withyou=FXXRT0011 In addition, 7,800 bank branches nationwide have their billboards attached to branches outside the branch for foreign exchange sales, And even provide foreign travel insurance for foreign exchange customers free of charge.

On the other hand, in various countries, various private exchange centers perform foreign exchange operations in addition to the first and second financial areas such as banks, securities companies, and capitals. In Korea, more than 1,400 exchange centers are registered with the Bank of Korea. These exchange centers operate with favorable exchange rates, but they are not able to efficiently communicate their exchange rates to customers because of their small size. Most private exchange banks offer currency rates that are comparable to those of banks, and the currencies they handle have different characteristics in different regions. For example, private exchange exchanges located in Incheon / Garibong / Cheongju have strengths in the Chinese yuan and private exchange exchanges in Busan have strengths in Japanese yen / Russian rubles.

On the other hand, customers who are exchange rate information customers (domestic and foreign) want to exchange their exchange rates at the most favorable rates, but they know where the best exchange rates are offered before visiting all 7,800 branches and 1400 exchange centers in 17 banks. There is a problem that can not be done. There is a serious information asymmetry in the exchange rate, and development of a exchange rate information platform system to eliminate such asymmetry in exchange rate information has been urgently required.

The first problem to be solved by the present invention is to disclose the configuration of the exchange rate information platform system.

A second problem to be solved by the present invention is to disclose an information processing method of the exchange rate information platform system.

According to an aspect of the present invention, there is provided a exchange rate information platform system for providing exchange rate information, the exchange rate information platform system comprising: a exchange rate information collection unit for performing a function of collecting exchange rate information; Exchange rate information providing function of providing exchange rate information; An exchange rate information analysis unit for generating exchange rate analysis information; And a currency exchange information DB storing exchange rate information, information on the exchange rate information subject, and management information of the exchange rate information platform system, and the exchange rate information includes at least one of a reference exchange rate, a sales exchange rate, a transfer currency rate, and a spread rate The present invention provides a currency exchange information platform system comprising:

The exchange rate information collecting unit includes a exchange rate information crawler. The exchange rate information crawler inquires the exchange rate information provider DB of the exchange rate information DB to obtain a crawl object, and performs a crawl on the crawl object, Acquire exchange rate information, and store exchange rate information crawled with respect to the crawling object.

The exchange rate information collecting unit includes a exchange rate information provider receiving unit. The exchange rate information provider receiving unit allows connection of at least one exchange rate information provider, receives exchange rate information from the exchange rate information provider, And stores it in the supplier DB.

The exchange rate information providing unit includes a exchange rate information search and provision unit, and the exchange rate information analyzing unit includes a exchange rate information mining unit. The exchange rate information search and supply unit obtains a first search condition, searches the exchange rate information DB, And the exchange rate information providing unit may generate the first exchange rate information search result for the first exchange rate information search result and the first recommendation rate information related to the search condition, It is desirable to provide information.

Preferably, the first exchange rate information search result is exchange rate information for the first financial sector and the second financial sector, and the first recommended exchange rate information is exchange rate information of a private exchange bank.

It is preferable that the exchange rate information of the private exchange center is processed only for a private exchange center existing within a predetermined radius based on the location information of the buyer of the exchange rate information obtained.

And the radius is enlarged corresponding to the exchange amount of the exchange rate information consumer.

Preferably, the generation of the first recommended exchange rate information is performed by obtaining location information of the exchange rate information consumer and performing custom processing according to the first search result and the location information of the exchange rate information consumer.

Wherein the location information collecting unit obtains location information of the user of the exchange rate information and the location information of the collected exchange rate information collecting unit is used as a search restriction condition And performs custom processing according to the first search result and the location information of the exchange rate information consumer to generate second recommended exchange rate information according to the location information of the exchange rate information consumer.

The exchange rate information analyzer monitors the exchange rate information volatility monitoring unit. The exchange rate information variance monitoring unit monitors the volatility of the exchange rate information by a predetermined period, confirms whether or not the exchange rate information rate condition for the user of the exchange rate information is satisfied, When the exchange rate information condition set for each exchange rate information consumer is satisfied, it is preferable that the exchange rate information information satisfying the condition is transmitted to the exchange rate exchange customer terminal of the exchange rate information consumer.

According to an aspect of the present invention, there is provided an information processing method for a currency exchange information platform system that provides exchange rate information, the method comprising: (A) collecting exchange rate information; (B) constructing a currency information analysis DB; (C) obtaining a exchange rate information search request; And (D) providing a result of the exchange rate information search.

The step (D) includes the steps of: generating a first exchange rate information search result and first recommended exchange rate information for the obtained first search condition; And providing the first exchange rate information search result and the first recommended exchange rate information.

Generating the second recommended exchange rate information includes obtaining position information of the exchange rate information consumer; Performing a customized processing according to the first search result and the location information of the exchange rate information consumer; Generating second recommended exchange rate information according to location information of the exchange rate information consumer; And providing the second recommended exchange rate information.

And the second recommended exchange rate information is generated after calculating the sacrifice cost and the benefit amount information.

Preferably, the sacrifice cost is calculated by being linked to the distance from the current location information of the exchange rate information consumer to the private exchange house.

Preferably, the benefit amount information is generated by applying the exchange rate information condition for the private exchange center to the exchange rate of the exchange rate information consumer.

(E) transmitting the volatility occurrence information to the exchange rate information consumer.

The step (E) includes storing a search condition of the user of the exchange rate information; Monitoring the volatility of the search result with respect to the search condition of the user of the exchange rate information; And transmitting the volatility occurrence information to the user of the exchange rate information when the volatility exceeding the standard occurs.

The present invention has the following effects.

First, the user of the exchange rate information can obtain the exchange rate information which is most advantageous to him / her, so that the cost of the foreign exchange transaction can be innovatively reduced.

Second, the user of the exchange rate information can find the foreign exchange market that provides the favorable foreign exchange transaction conditions at his / her location, so that the foreign exchange transaction cost can be minimized.

1 is a diagram illustrating an exemplary configuration of a currency exchange information platform system of the present invention.
FIG. 2 is a diagram illustrating an exemplary information processing method of the exchange rate information platform system of the present invention.
3 is a diagram of an exemplary information processing method for the exchange rate information crawling of the exchange rate information platform system of the present invention.
4 is a diagram illustrating an exemplary information processing method for generating recommended exchange rate information of the exchange rate information platform system of the present invention.
FIG. 5 is a diagram illustrating an exemplary information processing method of generating exchange rate information customer location information customized exchange rate information of the exchange rate information platform system of the present invention.
6 is a diagram illustrating an exemplary information processing method for processing volatility occurrence information of the exchange rate information platform system of the present invention.
7 is a diagram illustrating an embodiment information processing method for providing exchange rate information search information of the exchange rate information platform system of the present invention.
FIG. 8 is a diagram illustrating another exemplary embodiment information processing method for providing exchange rate information search information of the exchange rate information platform system of the present invention.
9 is a diagram illustrating an exemplary information processing method for processing customized exchange rate information according to location information of the exchange rate information consumer of the exchange rate information platform system of the present invention.

Hereinafter, the present invention will be described in more detail with reference to the drawings.

As illustrated in FIG. 1, the exchange rate information platform system 1000 of the present invention exchanges information with the exchange rate information user terminal 3000 through the wire / wireless network 5000. The exchange rate information platform system 1000 may exchange information with the exchange rate information provider system 2000 through the wire / wireless network 5000 and the exchange rate information platform system 1000 may also be a terminal of a supplier that provides exchange rate information . The exchange rate user terminal 3000 may be a portable terminal such as a smart phone, but a fixed terminal such as a PC may also be used. The exchange rate information consumer terminal 3000 may include the exchange rate information application system 3100. However, since the exchange rate information platform system 1000 may be connected to the exchange rate information application system 3100 through a PC, ) Is not essential. The exchange rate information application system 3100 may be a dedicated app provided by the exchange rate information platform system 1000 or a dedicated program.

The exchange rate information platform system 1000 includes a exchange rate information collection unit 1100 for collecting exchange rate information, a exchange rate information providing unit 1200 for providing exchange rate information, a exchange rate information analysis unit 1300 for analyzing exchange rate information, And a exchange rate information DB 1400 that stores information processed and managed by the exchange rate information platform system 1000. Meanwhile, the exchange rate information platform system 1000 may further include a linkage information DB 1500 and a linkage function module 1600.

The exchange rate information collecting unit 1100 may include a exchange rate information input unit 1110 for processing exchange rate information input by an administrator of the exchange rate information platform system 1000 or a user, A currency information crawler 1120 for collecting exchange rate information by crawling exchange rate information provided by the exchange rate information provider system 2000, an exchange rate information provider system 1120 for accessing the exchange rate information platform system 1000 and providing exchange rate information, And a currency exchange information provider receiving unit 1130 for receiving and processing exchange rate information from a user of the terminal 2000. The exchange rate information input unit 1110 may provide a predetermined exchange rate information input UI for a person who inputs the exchange rate information. The exchange rate information of the exchange rate information provider is input through the UI provided by the exchange rate information input unit 1110. Meanwhile, the exchange rate information provider receiving unit 1130 may include a exchange rate information input UI for receiving exchange rate information from the exchange rate information provider. The currency information crawler 1120 accesses the exchange rate information provider system 2000 stored in the exchange rate information provider DB 1410 and crawls the exchange rate information. The exchange rate information to be inputted is all stored in the exchange rate information DB 1400. Meanwhile, the exchange rate information crawler 1120 may access the exchange rate information provider system 2000 as a method of crawling to receive exchange rate information.

The exchange rate information providing unit 1200 receives a search request for exchange rate information, provides a exchange rate information search providing unit 1210 for providing a exchange rate information search result with respect to a requested exchange rate information search, And a exchange rate information feed unit 1220 for providing customized exchange rate information according to the set period or the achievement of predetermined conditions. One embodiment of the search UI provided by the exchange rate information search providing unit 1210 is shown in FIGS. 7 to 8

The exchange rate information analysis unit 1300 includes a currency exchange information mining unit 1310 for performing data mining on exchange rate information data, a currency rate information variability monitoring unit 1320 for monitoring currency rate volatility, 3000) for generating the recommended exchange rate information.

Meanwhile, the exchange rate information DB 1400 includes a exchange rate information provider DB 1410 including various types of information related to suppliers who supply exchange rate information, a exchange rate information DB 1420 including various information related to the exchange rate information buyer, A recommended exchange rate information DB 1440 (1400) in which recommended exchange rate information is included, and a currency exchange rate information database 1400 that contains management information of the exchange rate information platform system 1000 And an information platform DB 1000 management information DB.

In the linkage information DB 1500, an electronic map DB 1510 including electronic map information that is electronically stored and supplied, a linked product DB 1520 in which exchange-linked products are stored, a recommendation policy DB 1530, as shown in FIG.

The linking function module 1600 includes a location information collecting unit 1610 for collecting location information of a user and a linked product recommending unit 1620 for performing recommendation information processing of exchange rate linked products. The location information collecting unit 1610 collects GPS information, cell location information, and IP information of the user terminal and transmits the collected information to the exchange rate information platform system 1000.

2 is a diagram illustrating an exemplary information processing method of the exchange rate information platform system 1000 of the present invention. The exchange rate information platform system 1000 includes a step S11 of collecting exchange rate information, a step S12 of constructing a exchange rate information analysis DB 1430, a step 13S of obtaining a exchange rate information search request, (Step S14). The collection of the exchange rate information is roughly divided into a method of directly inputting by the manager or user of the exchange rate information platform system 1000 and a method of obtaining the exchange rate information obtained through the exchange rate information crawler 1120.

3 is a diagram illustrating an exemplary information processing method for the exchange rate information crawling of the exchange rate information platform system 1000 of the present invention. The exchange rate information crawler 1120 includes a step S21 for obtaining a crawling object, a step S22 for performing a crawling for a crawling object, and a step S23 for storing information crawled for a crawling object, Processing.

4 is a diagram illustrating an exemplary information processing method for generating recommended exchange rate information of the exchange rate information platform system 1000 of the present invention. The exchange rate information platform system 1000 may include a step S31 of obtaining a first search condition, a step S32 of generating a first exchange rate information search result and a first recommendation rate information for a first search condition, Information search result and first recommended exchange rate information (S33). The first exchange rate information search result is provided based on the input condition inputted by the user. At this time, the first exchange rate information search result may not include the user's location information. In this case, the exchange rate information recommendation unit 1330 can generate the first recommended exchange rate information based on the location information of the user obtained by the user. The first exchange rate information search result may be generated on a nationwide basis or a unit of a specific bank or financial institution, and the lowest exchange rate information may be provided, or the exchange rate information may be provided to the user of the exchange rate information. However, the exchange rate information of a private exchange office that provides exchange rate information that is more favorable to a consumer than a general financial institution is required to be transferred to a private exchange office if the resident of the exchange where the private exchange office is located, It can be virtually useless for reasons such as transportation costs and travel time. At this time, the exchange rate information recommendation unit 1330 generates exchange rate information on a specific radius or a specific arrival time period to a private exchange center based on the location information of the exchange rate information user terminal 3000, ). In other words, if the A private exchange center is the most advantageous nationwide but the B private exchange center is most advantageous within one hour or 10 km radius, the information on the A private exchange center will be included in the first exchange rate information search result , And information on the B private exchange station may be included in the first recommended exchange rate information. 9 shows an example of the provision of exchange rate information information including position information.

5 is a diagram illustrating an exemplary information processing method of generating exchange rate information consumer location information customized exchange rate information of the exchange rate information platform system 1000 of the present invention. The exchange rate information platform system 1000 obtains the location information of the user of the exchange rate information (S41), performs the customizing process according to the first search result and the location information of the exchange rate information consumer (S42) (S43) of generating second recommended exchange rate information in accordance with the location information, and providing the second recommended exchange rate information (S44).

When the exchange rate information, the allowable distance information, or the allowable time information to be withdrawn by the exchange rate information user terminal 3000 is input, the exchange rate information recommendation unit 1330 reflects such information, Generate information. The exchange rate information recommendation unit 1330 groups the exchange amounts and may calculate a sacrifice cost for each specific group in advance. The sacrifice cost may include an expected amount depending on the travel distance. At this time, the exchange rate information recommendation unit 1330 calculates the distance to the A private exchange center and the distance to the B private exchange center based on the current location of the exchange rate information consumer, and the expected travel time can also be calculated. ) If the user has a currency exchange amount, the benefit amount is calculated by comparing the currency exchange amount with a currency exchange information at an A private exchange center and a currency exchange at a B private exchange center. If the benefit money is larger than the sacrifice money, It is also possible to change the ranking of the recommended private exchange shops. For example, when the amount of money to be exchanged is very small, the B private exchange center may be much more advantageous in consideration of the transportation cost and the time required. However, when the exchange rate is very large, Can be advantageous. Although the present invention has been described with respect to the private exchange shops of the A private exchange and the B private exchange shops, it is obvious to those skilled in the art that the idea of the present invention is applied to a much larger number of foreign exchange exchanges than the two. Meanwhile, it is preferable that the exchange rate information provider system 2000 or the exchange rate information provider (for example, a private exchange center operator) is provided with upper limit information of the amount of money that the exchange rate information provider 2000 can exchange. For example, in the case of a private exchange center, a certain small amount of money can be provided in very favorable conditions, because the foreign exchange held by the exchange can be much smaller when compared with a bank, etc., but a large amount of foreign exchange can be exchanged It is because there is not. The exchange rate information recommendation unit 1330 generates private exchange rate recommendation information and recommended exchange rate information by reflecting the upper limit information. In this manner, the exchange rate information platform system 1000 generates dynamic customized exchange rate information according to various exchange rate demand conditions of the customer and provides the customized exchange rate information to the exchange rate information customer terminal 3000.

6 is a diagram illustrating an exemplary information processing method for processing the volatility occurrence information of the exchange rate information platform system 1000 of the present invention. The exchange rate information platform system 1000 stores the search condition of the exchange rate information consumer (S51), the search result of the exchange rate information buyer (the exchange rate information condition may be several examples) (S52) monitoring the volatility of the exchange rate (whether the exchange rate information condition is fulfilled or not, and the satisfaction level may be included in the volatility) and the volatility exceeding the standard (for example, satisfying the condition, satisfying the foreign exchange buying condition threshold, etc.) (S53) of transmitting the volatility occurrence information to the user of the exchange rate information, if any.

On the other hand, the exchange rate information of financial institutions and private exchange centers fluctuates from time to time, but exchange rate information buyers may not need currency exchange right now. In particular, the user of the exchange rate information may attempt to exchange money when a certain exchange rate condition is achieved. At this time, after the user of the exchange rate information inputs the desired exchange rate information condition at the time of searching the exchange rate information, if the condition is satisfied, the user of the exchange rate information demander 3000 is requested to transmit the exchange rate information satisfying the condition It is possible. In this case, the exchange rate information variability monitoring unit 1320 monitors fluctuation of the exchange rate information every predetermined period, and when the exchange rate information condition set for each exchange rate information demander is satisfied, To the exchange rate information consumer terminal (3000).

6 is a diagram illustrating an exemplary information processing method for processing the volatility occurrence information of the exchange rate information platform system 1000 of the present invention. The exchange rate information platform system 1000 stores the search condition of the exchange rate information consumer (S51), the search result of the exchange rate information buyer (the exchange rate information condition may be several examples) (S52) monitoring the volatility of the exchange rate (whether the exchange rate information condition is fulfilled or not, and the satisfaction level may be included in the volatility) and the volatility exceeding the standard (for example, satisfying the condition, satisfying the foreign exchange buying condition threshold, etc.) (S53) of transmitting the volatility occurrence information to the user of the exchange rate information when the occurrence of the change has occurred.

1000: Exchange rate information platform system
1100: exchange rate information collecting section
1110: Exchange rate information input unit
1120: Currency information crawling unit
1130: Exchange rate information provider receiver
1200: Offering exchange rate information
1210: Search for exchange rate information
1220: Exchange rate information feed section
1300: exchange rate information analysis unit
1310: Exchange rate information mining department
1320: Exchange rate information volatility monitoring section
1330: Exchange rate information recommendation section
1400: Exchange rate information DB
1410: Exchange rate provider DB
1420: Exchange rate customer DB
1430: Exchange rate analysis DB
1440: exchange rate information recommendation DB
1450: Exchange information platform system management information DB
1500: Linkage information DB
1510: Allocation map DB
1520: Linked goods DB
1530: Recommended policy DB
1600: Link function module
1610: Position information collecting unit
1620: Linked product recommendation department
2000: Exchange rate information provider system
2100: Supply exchange rate information transmission unit
3000: Exchange rate information consumer terminal
3100: Exchange rate information app system
3110: Exchange rate search support
3120: Exchange rate analysis request unit
3130: Request for exchange rate recommendation
5000: wired and wireless network

Claims

A system of exchange rate information platform for providing exchange rate information,
The exchange rate information platform system
A exchange rate information collecting unit that performs a function of collecting exchange rate information;
Exchange rate information providing function of providing exchange rate information;
An exchange rate information analysis unit for generating exchange rate analysis information; And
And a exchange rate information DB storing exchange rate information, information on the exchange rate information subject, and management information of the exchange rate information platform system,
Wherein the exchange rate information includes at least one of a reference exchange rate, a sale exchange rate, a transfer currency rate, and a spread rate.

The method according to claim 1,
Wherein the exchange rate information collecting unit includes a exchange rate information crawling unit,
The exchange rate information crawler obtains a crawling object by inquiring the exchange rate information provider DB of the exchange rate information DB, obtains exchange rate information of the exchange rate information provider by performing the crawl on the crawlable object, obtains the crawled rate Wherein the information is stored in the storage means.

The method according to claim 1,
The exchange rate information collecting unit includes a exchange rate information provider receiving unit,
Wherein the exchange rate information provider receiver permits connection of at least one exchange rate information provider and receives exchange rate information from the exchange rate information provider and stores the exchange rate information in the exchange rate information provider DB. Platform system.

The method according to claim 1,
Wherein the exchange rate information providing unit includes a exchange rate information search providing unit, the exchange rate information analyzing unit includes a exchange rate information mining unit,
The exchange rate information search providing unit obtains the first search condition, searches the exchange rate information DB to generate a first exchange rate information search result for the first search condition,
The exchange rate information mining unit generates first recommended exchange rate information related to the search condition,
Wherein the exchange rate information providing unit provides the first exchange rate information search result and the first recommended exchange rate information.

5. The method of claim 4,
The first exchange rate information search result is exchange rate information for the first financial sector and the second financial sector,
Wherein the first recommended exchange rate information is exchange rate information of a private exchange center.

The method according to claim 6,
Wherein the exchange rate information of the private exchange center is processed only for a private exchange center existing within a predetermined radius based on the location information of the buyer of the exchange rate information obtained.

The method according to claim 6,
And the radius is enlarged corresponding to the exchange amount of the exchange rate information consumer.

5. The method of claim 4,
The generating of the first recommended exchange rate information obtains the location information of the exchange rate information consumer,
And performs a customized processing according to the first search result and the location information of the user of the exchange rate information.

5. The method of claim 4,
The exchange rate information platform system includes a location information collection unit,
The location information collecting unit obtains the location information of the user of the exchange rate information,
The exchange rate information searching and providing unit processes the position information of the collected exchange rate information collecting unit as a search restriction condition and performs custom processing according to the first search result and the location information of the exchange rate information consumer, 2 < / RTI > recommended exchange rate information.

The method according to claim 1,
The exchange rate information analysis unit may further include a currency rate information variability monitoring unit,
The exchange rate information volatility monitoring unit monitors the volatility of the exchange rate information by a preset period to check whether the exchange rate information information condition is met for each user of the exchange rate information and if the exchange rate information condition set for each exchange rate information customer is satisfied, And transmits the exchange rate information information to the exchange rate information consumer terminal of the exchange rate information consumer.

A method of processing information in a currency exchange information platform system that provides exchange rate information,
(A) collecting exchange rate information;
(B) constructing a currency information analysis DB;
(C) obtaining a exchange rate information search request; And
(D) providing a result of the exchange rate information search.

12. The method of claim 11,
The step (D)
Generating a first exchange rate information search result and first recommended exchange rate information for the obtained first search condition; And
And providing the first exchange rate information search result and the first recommended exchange rate information.

13. The method of claim 12,
Generating the second recommended exchange rate information
Obtaining location information of the user of the exchange rate information;
Performing a customized processing according to the first search result and the location information of the exchange rate information consumer;
Generating second recommended exchange rate information according to location information of the exchange rate information consumer; And
And providing second recommended exchange rate information to the second exchange rate information.

14. The method of claim 13,
Wherein the second recommended exchange rate information is generated after calculating the sacrifice cost and benefit amount information.

15. The method of claim 14,
Wherein the sacrifice cost is calculated by being interlocked with the distance from the current location information of the exchange rate information consumer to the private exchange station.

15. The method of claim 14,
Wherein the benefit amount information is generated by applying exchange rate information conditions for each exchange center to the exchange rate of the exchange rate information consumer.

12. The method of claim 11,
(E) transmitting the volatility occurrence information to the user of the exchange rate information information.

18. The method of claim 17,
The step (E)
Storing a search condition of a user of the exchange rate information;
Monitoring the volatility of the search result with respect to the search condition of the user of the exchange rate information; And
And transmitting the volatility occurrence information to the user of the exchange rate information when the volatility exceeds the standard.