KR20170041094A - Method for supporting currency exchange based on exchange rate published by currency exchange office at a specific point of time, server, user terminal and currency exchange office terminal - Google Patents
Method for supporting currency exchange based on exchange rate published by currency exchange office at a specific point of time, server, user terminal and currency exchange office terminal Download PDFInfo
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Abstract
According to one aspect of the present invention, there is provided a method for supporting exchange of currency at exchange rates announced by a foreign exchange at a particular point of time, comprising the steps of: (a) if real- (B) a step in which a specific currency exchange office is selected by a user input and a currency exchange transaction amount corresponding to a currency exchange transaction amount for reserving the exchange transaction, Generating or generating currency exchange transaction information or currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been concluded according to the exchange rate of the specific currency exchange office at a time when the server has selected the specific exchange money exchange, c) the server transmits the currency exchange transaction information or the currency exchange reservation information to the special The method comprises the step of supporting is made so that exchange is provided according to the particular currency exchange rates at the terminal and transmits it to the foreign exchange and foreign currency received lol terminal to select the particular currency exchange point.
Description
The present invention relates to a method, a server, a user terminal and a money exchange terminal for supporting exchange of money at a predetermined exchange rate, and more particularly, to supporting exchange of money at a exchange rate announced by a money exchange at a specific time A server, a user terminal, and a currency exchange terminal.
In the past, the public had to visit the bank to buy foreign currency, but from 2015, ordinary people can legally buy foreign currency through the exchange bank. As a result, foreign exchange transactions with the general public can be actively conducted at the 1400 foreign exchange counters registered at the Bank of Korea. In general, private exchange banks offer more favorable exchange rates to customers than banks. Recently, foreign currency exchange boom has been booming due to the increase in foreign exchange demand due to the increase in overseas travel. As a result, the exchange rate competition between private exchange centers to attract customers is intensifying.
However, as the exchange rate competition between private exchange exchanges intensifies, there are many cases where false exchange rate information that is not actually traded at a private exchange market is provided and a customer requests exchange transactions at a different exchange rate when visiting the exchange. In addition, when a customer receives exchange rate information and then visits the exchange, he or she may not be able to exchange money at the original exchange rate due to exchange rate fluctuations between them, or in the case of rare foreign currency, .
Therefore, if a customer who wishes to exchange money with a currency exchange counter makes a currency exchange reservation or a currency exchange transaction, there is a need for a scheme to exchange money according to the exchange rate of the currency exchange counter at the time of exchange reservation or exchange transaction .
SUMMARY OF THE INVENTION The present invention has been made to solve all the problems described above.
Further, according to the present invention, when a customer who wishes to exchange a currency exchanges a currency exchange with a specific currency exchange counter or exchanges money, the user can exchange currency according to the currency exchange rate at the time of exchange reservation or exchange, For other purposes.
In addition, the present invention confirms real-time exchange rate information provided by a plurality of exchange shops through a terminal, selects a specific exchange station desired by the customer, and makes a currency exchange reservation or a currency exchange transaction, The purpose of the exchange is to exchange money at the exchange rate of the currency exchange at the time of selection.
In addition, in the present invention, when a currency exchange reservation or a currency exchange transaction is performed in the same manner as described above and the right of receipt of the foreign currency receiver is identified, a card charged with the foreign currency is issued and a foreign currency conveniently converted into a cash card form is used Another purpose is to do.
In addition, the present invention can prevent the fraudulent transaction of the foreign exchange center by obtaining evaluation feedback on whether or not the exchange has been made according to the exchange rate agreed upon in the exchange transaction or exchange reservation by the user through the terminal, .
In order to accomplish the above object, a representative structure of the present invention is as follows.
According to one aspect of the present invention, there is provided a method for supporting exchange of currency at exchange rates announced by a foreign exchange at a particular point of time, comprising the steps of: (a) if real- (B) a step in which a specific currency exchange office is selected by a user input and a currency exchange transaction amount corresponding to a currency exchange transaction amount for reserving the exchange transaction, Generating or generating currency exchange transaction information or currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been concluded according to the exchange rate of the specific currency exchange office at a time when the server has selected the specific exchange money exchange, c) the server transmits the currency exchange transaction information or the currency exchange reservation information to the special The method comprises the step of supporting is made so that exchange is provided according to the particular currency exchange rates at the terminal and transmits it to the foreign exchange and foreign currency received lol terminal to select the particular currency exchange point.
According to another aspect of the present invention, there is provided a method for supporting exchange of currency at a currency exchange rate announced by a foreign exchange at a specific point of time, comprising the steps of: (a) (B) displaying, by the user terminal, the obtained currency exchange amount information corresponding to a currency exchange transaction amount or a currency exchange reservation amount for reserving the currency exchange transaction, If the exchange transaction information or the currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been completed is generated according to the exchange rate of the specific exchange money exchange at the time when the information is sensed and the specific exchange money exchange is selected, Or the currency exchange reservation information, The method comprises the step of supporting is made so that exchange is provided according to the particular currency exchange rates at the time.
According to another aspect of the present invention, there is provided a method for supporting exchange of currency at a currency exchange rate announced by a foreign exchange at a specific time point, the method comprising the steps of: (a) (B) determining whether the currency exchange terminal is selected by the user input and which corresponds to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the currency exchange transaction; If the exchange terminal information or the currency exchange reservation information indicating that the exchange transaction or the currency exchange reservation has been completed is generated according to the exchange rate of the exchange office at the time when the information is detected and the exchange terminal is selected, the exchange terminal transmits the exchange transaction information Receiving the currency exchange reservation information, A method is provided that includes a step of supporting a currency exchange according to the currency exchange rate.
According to another aspect of the present invention, there is provided a server for supporting exchange of currency at a currency exchange rate announced by a foreign exchange at a specific time point, comprising: when real-time exchange rate information on a specific currency provided by a plurality of exchange centers is acquired, When a specific currency exchange is selected by user input and information corresponding to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the currency exchange transaction is detected, And a database management unit for supporting the generation or generation of currency exchange transaction information or currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been concluded according to the exchange rate of the specific exchange money exchange at the time of selecting the specific exchange money exchange, The transaction information or the currency exchange example There is provided a server that transmits money information to the specific exchange center terminal and the foreign currency receipt authority terminal to support currency exchange according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center.
According to another aspect of the present invention, there is provided a user terminal for supporting exchange of currency at a currency exchange rate announced at a specific time point, wherein when real-time exchange rate information on a specific currency provided by a plurality of exchange centers is obtained, A user interface providing unit that provides real-time exchange rate information for each exchange site obtained by the user, and information corresponding to a currency exchange transaction amount to be selected and a currency exchange reservation amount for reserving the exchange transaction, When the currency exchange transaction information or the currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been completed is generated according to the exchange rate of the specific currency exchange office at the time of selecting the specific currency exchange place, The prize at the time of the exchange The user terminal including a communication unit for supporting so that exchange is accomplished is provided in accordance with the rates for a particular currency exchange.
According to another aspect of the present invention, there is provided a foreign exchange terminal for supporting exchange of currency at a currency exchange rate announced by a foreign exchange at a specific time point, the exchange terminal comprising: a processor; and (i) (Ii) information corresponding to a currency exchange transaction amount for which the currency exchange office is selected and to be exchanged or a currency exchange reservation amount for reserving the exchange transaction by user input, is transmitted to the server When the currency exchange transaction information or the currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been completed is generated according to the exchange rate of the currency exchange counter at the time when the currency exchange is detected, the currency exchange transaction information or the currency exchange reservation information is received from the server According to the exchange rate of the exchange station at the time of selecting the exchange station It made such that transition support the currency exchange terminal including a communication unit is provided.
The present invention has the following effects.
The present invention is advantageous in that when a customer who wishes to exchange a currency makes a currency exchange transaction or a currency exchange reservation with a specific currency exchange counter, the currency exchange can be performed according to the exchange rate of the currency exchange counter at the time of exchange reservation or exchange transaction even after receiving the exchanged foreign currency have.
In addition, the present invention confirms real-time exchange rate information provided by a plurality of exchange shops through a terminal, selects a specific exchange station desired by the customer, and makes a currency exchange reservation or a currency exchange transaction, There is an effect that the exchange can be performed according to the exchange rate of the corresponding exchange office at the time of selection.
In addition, when the user makes a currency exchange reservation or a currency exchange transaction in the same manner as described above, and the right of receipt of the foreign currency receiver is identified, a card charged with the foreign currency is issued and a foreign currency conveniently converted into a cash card form can be used It is effective.
In addition, the present invention obtains evaluation feedback as to whether or not a currency exchange has been performed according to the exchange rate agreed upon in the exchange transaction or exchange reservation by the user through the terminal, and evaluates the exchange station so as to prevent the illegal transaction at the exchange station have.
1 is a conceptual diagram showing a configuration of a currency exchange system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
3 to 11 are views showing examples of screens of a terminal displaying a user interface according to the present invention.
12 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.
13 is a block diagram showing a configuration of a foreign exchange terminal according to an embodiment of the present invention.
The following detailed description of the invention refers to the accompanying drawings, which illustrate, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different, but need not be mutually exclusive. For example, certain features, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the invention in connection with an embodiment. It is also to be understood that the position or arrangement of the individual components within each disclosed embodiment may be varied without departing from the spirit and scope of the invention. The following detailed description is, therefore, not to be taken in a limiting sense, and the scope of the present invention is to be limited only by the appended claims, along with the full scope of equivalents to which such claims are entitled, if properly explained. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.
1 is a conceptual diagram showing a configuration of a currency exchange system according to an embodiment of the present invention.
Referring to FIG. 1, a
Referring to FIG. 1, a plurality of exchange terminal units 300-1, 300-2, 300-3, ..., 300-n provided in each of a plurality of exchange centers provides real-time exchange rate information on a specific currency to the
The
When information corresponding to a currency exchange transaction amount to be exchanged through a specific exchange center or a money exchange reservation amount for reserving the exchange transaction is sensed, the
Here, the detection of the information corresponding to the exchange transaction amount or the exchange reserve amount may be performed by: (i) depositing the exchange transaction amount or the exchange reservation amount into a predetermined account; (ii) Or (iii) a collateral corresponding to the exchange transaction amount or the money exchange reservation amount is paid.
In addition, the
Hereinafter, the configuration of the
FIG. 2 is a block diagram illustrating a configuration of a server according to an exemplary embodiment of the present invention, and FIGS. 3 to 11 illustrate examples of screens of a terminal displaying a user interface according to the present invention.
Referring to FIG. 2, a
The
Referring to FIG. 3, it can be seen that the
At this time, the
In addition, the
On the other hand, the
FIG. 4 shows a screen when the user selects the "central currency exchange", which is a specific money exchange box, or in other words, the user selects the pushed user interface 32-1 corresponding to the "central money exchange". As shown in FIG. 4, the
When the
When the
Meanwhile, the
The
At this time, the
In addition, the
7 shows an example in which the
The recipient of a foreign currency can visit a specific exchange station and present a unique value that demonstrates the right to receive foreign currency. The eigenvalue can be input to the exchange terminal of the specific exchange center. The exchange terminal can transmit the inputted eigenvalue to the
At this time, when the eigenvalue is received from the exchange terminal, the
If the information indicating that the receipt of the foreign currency is inputted to the exchange terminal of the particular exchange office after receiving the foreign currency by the receiver of the foreign currency, the exchange terminal of the particular exchange office can transmit the information indicating the receipt of the foreign currency to the
On the other hand, when the receipt right of the foreign currency receiver is identified according to the eigenvalue as described above, the card charged with the foreign currency that has been exchanged can be issued. A foreign currency recipient can receive the card from the place specified in the exchange transaction application or exchange reservation application (for example, at the airport). The user can use the card to withdraw cash at ATMs in the airport or in the country where the currency is being used, or to make payments directly at the card merchant. When a card is used to withdraw cash or make a payment, the balance of the card is reduced by the withdrawed cash or payout.
If foreign currency is used and the amount of charge on the card becomes insufficient, additional currency exchange may be performed. In other words, if the issued card is authenticated by inputting the unique number of the issued card, and the information corresponding to the additional exchange transaction amount for the specific currency is detected, the
If the card is used and there is a balance remaining, the currency may be reversed. In this case, if the card is authenticated by inputting a unique number of the card or the like, and a request for reversing the exchange of at least a part of the balance of the card is input through the terminal, the
When the user performs currency exchange with a plurality of kinds of foreign currency, the card may be filled with a plurality of kinds of exchanged foreign currency. For example, a card from a person traveling to Europe can be charged in Euros, British Pounds, and Turkish Liras.
When a card charged with a plurality of types of calls is authenticated and a request for exchanging a predetermined amount of the first call among the card balance to a predetermined amount of the second call is input through the terminal, To generate or generate currency exchange transaction information indicating that the currency exchange transaction has been concluded according to the exchange rate of the first currency and to exchange a predetermined amount of the first currency on the card to a predetermined amount of the second currency. For example, a traveler who left Turkey after finishing their trip to the UK could transfer the balance of pounds remaining on the card to Lira.
In addition, when a card of a foreign currency receiver is issued, the foreign currency exchanged may be charged with the card issued once the card issued is authenticated. In this case, international remittance can be done easily. For example, if you want to transfer money from country A to country B, if the person's card issued in country B is authenticated, the foreign currency amount that has been exchanged may be charged to the person's card in country B. If you have a card for each business, you can use it for the purpose of collecting payments such as overseas shopping.
On the other hand, the above-mentioned card may include a virtual card such as a mobile app card as well as a physical card such as a magnetic card. When a virtual card is issued, the user can use the virtual card (in this case, the terminal in which the virtual card is stored) to withdraw cash at the ATM in the airport or the country where the currency is used, It is also possible to make a payment directly at a card merchant.
According to the present invention, when a user has a good exchange rate, foreign currency can be accumulated on a card in advance. You can also provide a deposit function if you are guaranteed a fixed rate for the reserve. In addition, in the case of a credit card user, the exchange rate is not only disadvantageous but also the risk of the exchange rate fluctuation is applied by the real-time exchange rate application. However, in the case of the present invention, . Also, if you are credited to a card that is affiliated with a bank, foreign exchange customers can deviate significantly from the anxiety that may arise from putting their money in advance and receiving money later.
On the other hand, the
8 and 9 show screens of the
The
On the other hand, the evaluation score may be given based on the evaluation feedback information, but is not limited thereto. That is, the exchange station can be evaluated for compliance with the promise to commit and other items. For example, currency exchanges can also be evaluated according to the kindness of exchange staff, currency exchange rates, or convenience facilities. A function user interface (see 32 in Fig. 3) may be provided preferentially for the exchange station whose evaluation score is equal to or higher than a predetermined score as described above.
On the other hand, if the evaluation feedback information is not obtained within a predetermined period after the exchange has been made, it can be judged that the exchange has been performed according to the exchange rate agreed at the exchange transaction or the exchange reservation. In general, if users do not give feedback on the service, it is likely that the service is not problematic.
In addition, if the currency exchange transaction information or the currency exchange reservation information is not exchanged within a predetermined period after the generation of the currency exchange reservation information or the information corresponding to the exchange reservation balance is not detected, the exchange transaction or the currency exchange reservation may be canceled. In this case, as shown in FIG. 10,
On the other hand, the recipient of the foreign currency may receive the foreign currency at an external place such as the airport without visiting the exchange office. In this case, it is necessary to transfer the exchange transaction information to the exchange money sender. When the currency exchange transaction information is generated, the
At this time, when a unique value is received from the foreign currency sender terminal, the
On the other hand, in the case where the above-mentioned money exchange station is a bank, application for a currency exchange transaction or a currency exchange reservation can be supported online through a separate user interface. Specifically, a currency exchange transaction application interface (not shown) and a currency exchange reservation application interface (not shown) may be displayed on the screen of the
On the other hand, if identification information of a currency coupon is inputted by user input, an amount deducted from the exchange transaction amount by the currency favorable amount may be set as an amount necessary for the exchange transaction. Referring back to FIG. 3, it is understood that a
Meanwhile, when the currency exchange transaction service or the currency exchange reservation service is provided in cooperation with a bank, the exchange rate coupon may be automatically implemented at the exchange transaction or reservation so as to receive the exchange transaction service at a favorable exchange rate.
As described above, when the
Referring again to FIG. 2, the
The
The configuration and operation of the
12 is a block diagram illustrating a configuration of a user terminal according to an embodiment of the present invention.
Referring to FIG. 12, a
The user interface providing unit 210 provides the obtained real-time exchange rate information for each currency exchange when real-time exchange rate information for a specific currency is obtained from a plurality of exchange shops. In addition, the above-described various user interfaces can be displayed on the screen of the
The
The
The
13 is a block diagram showing a configuration of a foreign exchange terminal according to an embodiment of the present invention.
Referring to FIG. 13, the
The
The
The
Meanwhile, the embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be those specially designed and constructed for the present invention or may be those known and used by those skilled in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.
Therefore, the spirit of the present invention should not be construed as being limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the following claims, I will say.
100: Server
200, 200-1, 200-2: user terminal
300, 300-1, 300-2, 300-3, ... , 300-n: exchange station terminal
110:
120:
130: Processor
210: User interface provisioning
220:
230: Processor
310: Processor
320:
Claims (37)
(a) when real-time exchange rate information on a specific currency provided by a plurality of exchange shops is obtained, the server is configured to support displaying the acquired real-
(b) when a specific currency exchange office is selected by user input and information corresponding to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the exchange transaction is detected, Generating or generating currency exchange transaction information or currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been concluded in accordance with the exchange rate of the exchange center, and
(c) The server transmits the currency exchange transaction information or the currency exchange reservation information to the specific exchange center terminal and the foreign currency receipt authority terminal to support currency exchange according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center Lt; / RTI >
(a1) The server further includes a step of displaying information on a foreign exchange having a foreign currency stock enough to exchange the exchange transaction amount among the plurality of foreign currency exchange points,
In the step (b)
Wherein the specific exchange station is selected from the exchange stations displayed in step (a1).
In the step (a)
Wherein the server acquires and manages at least a part of exchange rate information, currency stock amount information for each currency, and denomination information for each currency provided by the plurality of exchange centers.
In the step (b)
The detection of the information corresponding to the exchange transaction amount or the exchange reservation amount,
(ii) a virtual point corresponding to the exchange transaction amount or the exchange reservation amount is used; or (iii) the exchange transaction amount or the exchange reservation amount is used And the amount corresponding to the amount of money is paid.
In the step (b)
Wherein when the currency exchange transaction information or the currency exchange reservation information is generated, the foreign currency stock information for the specific exchange center is reduced by the exchange transaction amount.
In the step (c)
Wherein the server further generates an eigenvalue for identifying the receipt right of the foreign currency recipient and further transmits the eigenvalue to the foreign currency recipient terminal.
Wherein the server transmits information on a result of comparing the received eigenvalue and the generated eigenvalue to the specific foreign exchange terminal and the foreign currency receipt authority terminal when the eigenvalue is received from the specific exchange office terminal How to.
When the right of receipt of the foreign currency receiver is identified according to the eigenvalue, the foreign currency receiver is allowed to receive the foreign currency in cash, deposit it in the predetermined account, or issue the card charged with the foreign currency that has been exchanged. Way.
If the card is authenticated and information corresponding to an additional currency exchange transaction amount for a particular currency is detected, the server supports to generate or generate additional currency exchange transaction information indicating that the currency exchange transaction has been concluded in accordance with the predetermined exchange rate, To increase the remaining amount of the card.
If the card is authenticated and a request for reverse exchange of at least a portion of the balance of the card is input, the server supports to generate or generate reverse currency exchange transaction information indicating that the reverse exchange transaction has been concluded at a predetermined exchange rate, And the foreign currency balance of the reverse exchange transaction is reversed.
Wherein said card is charged with a plurality of kinds of exchanged foreign currencies when currency is exchanged to plural kinds of foreign currencies.
When the card is authenticated and a request for exchanging a predetermined amount of the first call among the card balance to a predetermined amount of the second call is inputted, the server transmits exchange transaction information indicating that the exchange transaction has been concluded in accordance with the predetermined exchange rate Generate and / or generate and support to exchange a predetermined amount of the first call on the card to a predetermined amount of the second call.
And when the issued card of the foreign currency receiver is authenticated, the foreign currency exchanged is charged into the card.
(d) The server further comprises obtaining evaluation feedback information as to whether exchange has been performed from the user according to the exchange rate agreed at the exchange transaction or the exchange reservation.
And an evaluation score is given to the specific exchange center based on evaluation feedback information input from the user.
And if the evaluation feedback information is not obtained within a predetermined period after the currency exchange is performed, it is determined that currency exchange has been performed according to the exchange rate agreed at the exchange transaction or the exchange reservation.
Wherein the currency exchange transaction or the currency exchange reservation is canceled when the currency exchange is not performed within a predetermined period after the currency exchange transaction information or the currency exchange reservation information is generated or when information corresponding to the exchange reservation balance is not detected.
When the exchange transaction or the exchange reservation is canceled, the foreign exchange stock information for the specific exchange center is increased by the exchange transaction or the cancellation of the exchange reservation.
In the step (a)
Wherein the server is configured to display the obtained real-time exchange rate information of each exchange center on a predetermined order based on at least a part of location information, evaluation score and exchange rate information of each of the plurality of exchange centers.
In the step (a)
The server supports the display of the real-time exchange rate information for the exchange office providing the pounding function, which is the exchange office providing the exchange of money at the exchange rate of the exchange office at the time of the user's selection of the exchange office, in preference to the real- Lt; / RTI >
Characterized in that a function user interface (that is, a user interface for providing a currency exchange at a currency exchange rate of a corresponding exchange center at the time of selecting the exchange center by the user) is provided for a money exchange station having an evaluation score of a predetermined score or more .
In the step (c)
The server transmits the exchange transaction information to the terminal of the exchange money sender and supports exchange of currency according to the exchange rate information of the specific exchange office at the time of selection of the specific exchange house. How to.
Characterized in that the exchange station is a bank or a private exchange station.
Wherein, when the identification information of the currency coupon is input by the user input, an amount deducted from the exchange transaction amount by the currency exchange rate is set as an amount necessary for the exchange transaction.
(a) when real-time exchange rate information on a specific currency provided by a plurality of exchange centers is obtained, displaying the acquired real-time exchange rate information by the user terminal,
(b) a user selects a specific currency exchange office by user input and information corresponding to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the exchange transaction is sensed, and the exchange rate of the specific exchange center The user terminal receives the exchange transaction information or the currency exchange reservation information from the server and displays the currency exchange reservation information or the currency exchange reservation information indicating that the specific currency exchange And a step of supporting the currency exchange according to the currency exchange rate.
(a1) The user terminal further comprises a step of displaying information on a foreign exchange having a foreign currency stock enough to exchange the exchange transaction amount among the plurality of foreign exchange exchanges,
In the step (b)
Wherein the specific exchange station is selected from the exchange stations displayed in step (a1).
In the step (b)
Wherein the user terminal further receives an eigenvalue for identifying the receipt right of the foreign currency recipient from the server.
Wherein the user terminal receives information on a result of comparing the received eigenvalue with the generated eigenvalue from the server when the eigenvalue is input to the specific exchange.
(d) The user terminal further comprises acquiring evaluation feedback information on exchange rate change according to the exchange rate agreed at the exchange transaction or the exchange reservation from the user, and delivering evaluation feedback information to the server Way.
And if the evaluation feedback information is not obtained within a predetermined period after the currency exchange is performed, it is determined that currency exchange has been performed according to the exchange rate agreed at the exchange transaction or the exchange reservation.
Wherein the currency exchange transaction or the currency exchange reservation is canceled when the currency exchange is not performed within a predetermined period after the currency exchange transaction information or the currency exchange reservation information is generated or when information corresponding to the exchange reservation balance is not detected.
In the step (a)
The user terminal supports the display of the real-time exchange rate information for the foreign exchange counter providing a pounding function, which is a currency exchange counter providing currency exchange at the exchange rate of the foreign exchange at the point of time when the user selects the exchange, preferentially compared with the real- ≪ / RTI >
Characterized in that a function user interface (that is, a user interface for providing a currency exchange at a currency exchange rate of a corresponding exchange center at the time of selecting the exchange center by the user) is provided for a money exchange station having an evaluation score of a predetermined score or more .
(a) when real-time exchange rate information on a specific currency provided by the exchange office is obtained, the exchange terminal transmits the obtained real-time exchange rate information to the server, and
(b) when the user selects a currency exchange, the information corresponding to the exchange transaction amount to be exchanged or the exchange reservation amount for reserving the exchange transaction is detected by the user input, The currency exchange terminal receives the currency exchange transaction information or the currency exchange reservation information from the server and displays the exchange rate of the currency exchange counter at the time of selecting the currency exchange counter, ≪ / RTI >
A communication unit for providing and displaying the obtained real-time exchange rate information for each currency exchange when real-time exchange rate information for a specific currency is obtained from a plurality of exchange centers, and
When a specific currency exchange office is selected by user input and information corresponding to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the currency exchange transaction is detected, according to the exchange rate of the specific exchange office at the time of selecting the specific exchange money exchange, And a database management unit for supporting the generation or generation of currency exchange transaction information or currency exchange reservation information indicating that a transaction or a currency exchange reservation has been concluded,
Wherein the communication unit transmits the currency exchange transaction information or the currency exchange reservation information to the specific exchange center terminal and the foreign currency receipt authority terminal to support currency exchange according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center.
A user interface providing unit for providing the real-time exchange rate information of each of the exchange sites obtained when real-time exchange rate information on a specific currency provided by the plurality of exchange centers is obtained,
A specific currency exchange box is selected by user input and information corresponding to a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving the exchange transaction is sensed and a currency exchange transaction is made according to the exchange rate of the specific exchange center at the time of selecting the specific exchange money exchange Or the currency exchange reservation information indicating that the currency exchange reservation has been fulfilled is generated, the currency exchange transaction information or the currency exchange reservation information is received from the server and the currency exchange is performed according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center And a communication unit for supporting communication with the user terminal.
Processor, and
(i) transmitting the obtained real-time exchange rate information to the server when the real-time exchange rate information is obtained for the specific currency provided by the exchange, (ii) When the information corresponding to the currency exchange reservation amount for reserving the currency exchange transaction is detected and currency exchange transaction information or currency exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation has been completed is generated according to the exchange rate of the exchange center at the time of selecting the exchange, And a communication unit for receiving the currency exchange transaction information or the currency exchange reservation information from the server and supporting currency exchange according to the exchange rate of the exchange office at the time of selecting the exchange.
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KR1020150140620A KR20170041094A (en) | 2015-10-06 | 2015-10-06 | Method for supporting currency exchange based on exchange rate published by currency exchange office at a specific point of time, server, user terminal and currency exchange office terminal |
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KR1020150140620A KR20170041094A (en) | 2015-10-06 | 2015-10-06 | Method for supporting currency exchange based on exchange rate published by currency exchange office at a specific point of time, server, user terminal and currency exchange office terminal |
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WO2021002548A1 (en) * | 2019-07-02 | 2021-01-07 | 주식회사 우디 | Method for providing online currency exchange service |
KR20210036669A (en) * | 2019-09-26 | 2021-04-05 | 주식회사 우디 | Method for managing reservation of exchange |
KR20210053827A (en) * | 2019-07-02 | 2021-05-12 | 주식회사 우디 | Method for providing online exchange service |
WO2021187757A1 (en) * | 2020-03-17 | 2021-09-23 | 주식회사 한울정보시스템 | System and method for processing currency exchange |
WO2022097811A1 (en) * | 2020-11-06 | 2022-05-12 | 주식회사 우디 | Automated currency exchange system |
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2015
- 2015-10-06 KR KR1020150140620A patent/KR20170041094A/en unknown
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WO2021002548A1 (en) * | 2019-07-02 | 2021-01-07 | 주식회사 우디 | Method for providing online currency exchange service |
KR20210053827A (en) * | 2019-07-02 | 2021-05-12 | 주식회사 우디 | Method for providing online exchange service |
KR20210036669A (en) * | 2019-09-26 | 2021-04-05 | 주식회사 우디 | Method for managing reservation of exchange |
US11354654B2 (en) * | 2019-11-01 | 2022-06-07 | Ntt Communications Corporation | Electronic money management system and electronic money management method |
WO2021187757A1 (en) * | 2020-03-17 | 2021-09-23 | 주식회사 한울정보시스템 | System and method for processing currency exchange |
KR20210116044A (en) * | 2020-03-17 | 2021-09-27 | 주식회사 한울정보시스템 | System and Method for processing currency exchange |
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