KR20170041094A

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

Info

Publication number: KR20170041094A
Application number: KR1020150140620A
Authority: KR
Inventors: 이성주
Original assignee: 마이뱅크주식회사
Priority date: 2015-10-06
Filing date: 2015-10-06
Publication date: 2017-04-14

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

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method, a server, a user terminal, and a currency exchange terminal for supporting exchange of money at a currency exchange rate announced by a money exchange at a specific point in time. , USER TERMINAL AND CURRENCY EXCHANGE OFFICE TERMINAL}

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 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 currency exchange system 1000 according to an embodiment of the present invention includes a server 100, a user terminal 200, and a currency exchange terminal 300.

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 server 100 . Specifically, each of the plurality of exchange terminals 300-1, 300-2, 300-3, ..., 300-n receives currency information that can be exchanged by user input, exchange rate information per currency, foreign currency stock amount information per currency, It is possible to acquire at least a part of the denomination information for each currency, and to provide this information to the server 100. Here, the money exchange office may be a bank, a private exchange center, or a financial institution capable of performing other exchange.

The server 100 may receive the information in real time for each exchange site, provide the information to the user terminal 200 via the Internet, and provide the information to the user. The user terminal 200 may display the information on a specific application or web browser (see FIG. 3). The user terminal 200 may be a mobile terminal 200-1 or a stationary terminal 200-2. If the user terminal 200 is a mobile terminal 200-1, Information may be provided and the user terminal 200 is a stationary terminal 200-2 such as a PC, the information may be provided through a web browser, but the present invention is not limited thereto. The user can perform a user input for selecting a specific exchange office to perform the exchange transaction among a plurality of displayed exchange offices.

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 server 100 transmits the exchange rate of the specific exchange center at the time of selecting the specific exchange center The user can generate or generate currency exchange transaction information or currency exchange reservation information indicating that a currency exchange transaction or a currency exchange reservation has been concluded. At this time, the exchange application information or the user information may be directly transferred to the specific exchange office terminal without going through the server 100 for personal information protection or security so that exchange transaction information or exchange reservation information can be generated. Alternatively, the server 100 may collect and forward such information.

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 server 100 can transfer the currency exchange transaction information or the currency exchange reservation information to the specific currency exchange terminal and the foreign currency receipt terminal so as to support the currency exchange according to the exchange rate of the specific currency exchange office at the time of selecting the specific currency exchange place . Here, the foreign currency receipt authority terminal may be a user terminal having a user input for selecting a specific exchange office, but may be a separate terminal. In this case, the recipient of the foreign currency may be different from the user who selected the specific exchange office. Further, even when the foreign currency receipt lien and the user are the same, the user terminal for which the user input for selecting a specific exchange station may be different from the foreign currency receiver's terminal. For example, if the user terminal having user input for selecting a specific exchange station is the staging terminal 200-2, the foreign currency receipt terminal may be the mobile terminal 200-1 which is another user terminal.

Hereinafter, the configuration of the server 100 will be described, and a method for supporting exchange execution according to the present invention will be described in more detail.

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 server 100 according to an embodiment of the present invention may include a communication unit 110, a database management unit 120, and a processor 130.

The communication unit 110 acquires real-time exchange rate information on a specific currency provided by a plurality of exchange centers and provides the acquired real-time exchange rate information to the user terminal 200 for display. Specifically, the communication unit 110 receives call information that can be exchanged from a plurality of exchange terminal units 300-1, 300-2, 300-3, ..., 300-n, exchange rate information per call, It is possible to acquire at least a part of the denomination information for each currency and to provide such information to the user terminal 200. The user terminal 200 can compare and display real-time exchange rate information for each exchange site through a specific application or a web browser.

Referring to FIG. 3, it can be seen that the user terminal 200 displays currency exchange information 30 and exchange rate information 31 for a specific currency of each exchange. The user can confirm the exchange rate information 31 for a specific currency at each exchange station at a glance and can perform user input for selecting a specific exchange station desired to exchange money. When the user terminal 200 includes a touch screen, this input can be performed by touching the user interface. 3, the user terminal 200 displays a user interface (so-called purging function user interface) 32 for providing currency exchange at a currency exchange rate at the point of time when the user selects the corresponding exchange station can do. The user interface 32 may be provided only for a foreign exchange providing currency exchange at the exchange rate of the foreign exchange at the time of selecting the exchange. In addition, the function user interface 32 can be provided preferentially to a foreign exchange station whose evaluation score is equal to or higher than a predetermined score. This feature can be used to increase the use of foreign currency exchanges since customers who want to exchange money can resolve the exchange rate fluctuation or exhaustion of foreign currencies before receiving foreign currency after exchanging or reserving. The exchange rate can be stably performed at a desired exchange rate.

At this time, the communication unit 110 preferentially displays the real-time exchange rate information on the exchange station providing the pounding function, which is the exchange station providing the currency exchange at the exchange rate of the corresponding exchange station at the time of selection of the exchange station by the user, . For example, on the screen of the user terminal 200 of FIG. 3, the exchange rate information for the exchange office having the pushed user interface 32 is displayed above the exchange rate information for the other exchange shops that do not provide the pushed function .

In addition, the communication unit 110 can support displaying the obtained real-time exchange rate information for each exchange center in a predetermined order based on at least a part of the location information, the evaluation score and the exchange rate information of each of the plurality of exchange centers. For example, the higher the rating score, the better the exchange rate is, the higher the exchange rate is at the user terminal 200, and the higher the rating, the higher the exchange rate. Whether or not the exchange terminal is close to the user terminal 200 can be determined based on the location information of the user terminal 200 and the location information of the exchange terminal obtained by the location information detection means of the user terminal 200 (LBS-based) .

On the other hand, the communication unit 110 can support displaying information on foreign exchange having foreign currency stocks that can exchange currency exchange transaction amount among a plurality of foreign exchange exchange centers. To this end, the user terminal 200 may first display a user interface (not shown) for inputting the exchange transaction amount to be exchanged. When the exchange transaction amount to be exchanged is input through the user interface, the user terminal 200 can transmit the inputted exchange transaction amount to the server 100, and the database management unit 120, which will be described later, The information about the foreign exchange having the foreign currency stock can be filtered and provided to the user terminal 200 through the communication unit 110 and the user terminal 200 can display the information about the provided foreign exchange . The above-mentioned specific exchange station can be selected from among the displayed exchange stations.

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 user terminal 200 can display the foreign currency exchange information 40, the foreign currency kind information 41 to be exchanged, and the exchange time limit information 42. The user can select and modify the information. The user terminal 200 also includes a currency exchange transaction amount interface 43 for indicating a currency exchange transaction amount to be exchanged and a foreign currency amount calculated at the exchange rate of the corresponding exchange office at the time of selecting the exchange place by user input The foreign currency amount interface 44 for the foreign currency amount. When the user inputs the exchange transaction amount through the exchange transaction amount interface 43 and selects the confirmation button 45, the foreign currency amount calculated at the exchange rate of the corresponding exchange office at the time of selecting the exchange site by the user input, (44). Conversely, the user can input the amount of foreign currency to be acquired by the currency exchange into the foreign currency amount interface 44. In this case, the user can input the currency exchange amount calculated at the exchange rate of the corresponding foreign exchange at the point of time when the corresponding currency exchange is selected by the user, And may be displayed in the transaction amount interface 43. [ In addition, the user terminal 200 can display the contact input interface 46 of the foreign currency receiver, and the user can input the contact of the foreign currency receiver. When the contact information is a telephone number of the terminal, when the exchange transaction information or the exchange reservation information is generated, the exchange transaction information or the exchange reservation information may be transmitted in the form of a message to the telephone number of the input terminal.

When the application button 47 is selected by the user input, the information 50 about the exchange application contents can be displayed as shown in FIG. In addition, an interface 51 for reconfirming to the user about the contents of the exchange application can be displayed.

When the confirmation button 52 is selected by the user input, the processor 130, which will be described later, can support creation or generation of a predetermined account for depositing the exchange transaction amount or the exchange reserve amount. Then, as shown in FIG. 6, a deposit guide message for a currency exchange transaction amount to be exchanged or a currency exchange reservation amount for reserving a currency exchange transaction may be displayed. As shown in FIG. 6, the account information 62 may be included in the guidance message. At this time, the predetermined account information may not be newly generated and the generated account information may be provided. In addition, the guidance message may include foreign currency amount information 60, currency exchange transaction amount or deposit time limit information 61 of the currency exchange reservation amount, and other guidance information 63 to which the purging function is applied. However, as described above, a virtual point corresponding to a currency exchange transaction amount or a currency exchange reservation amount is used instead of a money exchange transaction amount or a currency exchange reservation amount deposited in a predetermined account, or a security corresponding to a currency exchange transaction amount or a currency exchange reservation amount It may be paid.

Meanwhile, the communication unit 110 may provide the user terminal 200 with recommendation information on a foreign exchange station suitable for a user among a plurality of exchange centers. In this case, an appropriate exchange station may be recommended based on the location information of the exchange station, the type information of the currency to be exchanged by the user, and the exchange money amount information.

The database management unit 120, when a specific currency exchange station 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, It is possible to support 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 a specific exchange center. In this case, if there is a separate payment gateway server, the payment proxy server, if the information corresponding to the exchange transaction amount to be exchanged or the exchange reservation amount for reserving the exchange transaction is detected, Or information indicating that the money exchange reservation amount has been paid to the server 100. Also, when currency exchange transaction information or currency exchange reservation information is generated, the foreign currency stock information for the specific currency exchange can be reduced by the exchange transaction amount.

At this time, the communication unit 110 transmits the above-mentioned exchange transaction information or currency exchange reservation information to a specific exchange center terminal and a foreign currency receipt terminal selected by user input, and exchanges money according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center. Can be achieved. When the foreign currency receiver terminal and the user terminal 200 are different from each other, the communication unit 110 may further transmit the currency exchange transaction information or the currency exchange reservation information to the user terminal 200. [

In addition, the processor 130, which will be described later, may generate an eigenvalue for identifying the receipt right of the foreign currency receipt lien and may further support the communication unit 110 to transmit it to the foreign currency receipt loyalty terminal. At this time, the eigenvalue may be the identification information of the foreign currency receiver.

7 shows an example in which the exchange reservation information 71 is transmitted to the foreign currency receiver and the user terminal 200 or the foreign currency receiver's terminal. The currency exchange reservation information 71 may include currency exchange information to be exchanged, foreign currency exchange information, applied exchange rate information, currency exchange reservation amount information, telephone number of the foreign currency receipt lien, and exchange time limit information.

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 server 100. [

At this time, when the eigenvalue is received from the exchange terminal, the processor 130 compares the received eigenvalue with the generated eigenvalue, and transmits information about the comparison result to the exchange terminal and the foreign currency receipt terminal of the specific exchange . If the receipt authority of the foreign currency recipient is identified according to the eigenvalue, the foreign currency recipient can cash in foreign currency at the particular exchange.

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 server 100. In the case of currency exchange reservations, the person receiving the foreign currency can receive the foreign currency by paying the remaining balance, excluding the currency exchange reserves, from the currency exchange transaction amount. The communication unit 110 of the server 100 can transmit the information indicating the completion of the receipt of the foreign currency to the foreign currency receiver terminal and the exchange center terminal of the specific exchange center. If the user terminal 200 is different from the foreign currency receiver terminal, information indicating the completion of foreign currency receipt may be transmitted to the user terminal 200 as well. The " transmission " in the above includes not only sending a character or a push message, but also providing it in a form that can be inquired by the web or an application. However, unlike the above, foreign currency exchanged may be deposited into a predetermined account.

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 database management unit 120 updates the exchange transaction To generate or generate additional currency exchange information indicating that the currency of the currency exchange has been increased and to increase the balance of the card by the amount of additional currency exchange transactions.

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 database management unit 120 determines whether the exchange transaction To generate or generate reverse currency exchange information indicating that the currency exchange transaction has been completed and to reverse the foreign currency balance of the reverse exchange transaction on the card.

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 communication unit 110 can obtain evaluation feedback information as to whether exchange has been performed according to the exchange rate agreed at the exchange transaction or exchange reservation from the user terminal 200 or the foreign currency receipt terminal. Here, the evaluation feedback information may be information including information for confirming whether or not the exchange has actually been performed according to the exchange rate of the specific exchange center at the time of selecting the specific exchange center by user input. That is, the evaluation feedback information may include information on whether or not the exchange has been exchanged at a predetermined exchange rate with respect to a specific money exchange place (that is, information as to whether or not the appointment promise is complied with). When the evaluation feedback information is input through the user terminal 200 or the foreign currency receiver terminal, evaluation feedback information input from the user terminal 200 or the foreign currency receiver terminal can be obtained.

8 and 9 show screens of the user terminal 200 or the foreign currency receiver terminal providing the user interfaces 80 and 90 for receiving evaluation feedback information from the user. Referring to FIG. 8, the user can input evaluation feedback information as to whether the exchange has been exchanged at a predetermined currency exchange rate. An evaluation score for a specific foreign exchange station can be given based on the evaluation feedback information inputted by the user. For example, in FIG. 9, if the user interface 93 indicating that the specific currency exchange station has broken the promise to be pushed is selected, a relatively low evaluation score can be given to the exchange money exchange. In this case, as shown in FIG. 11, information 1110 can be displayed on the screen of the user terminal 200 or the foreign currency receiver's terminal to indicate that a promised violation notification has been received. In addition, when a certain exchange office fails to make an appointment to be praised, the manager of the server 100 can check the exchange office (see 1120 in Fig. 11). If the violation of the promise is found to be true, the exchange office may have the compensation paid to the user. For this, the operator of the server 100 may receive a deposit from a specific currency exchange office in advance. When the number of violation of promise is more than a predetermined number, sanction may be applied to prevent the exchange station from providing the purging function for a certain period or permanently. On the contrary, a foreign exchange station observing an appointment for a certain period of time can be displayed in a high order, and a separate mark 33 may be displayed as shown in FIG. This can entice foreign exchange agencies to comply with their promises.

The user interfaces 80 and 90 for receiving the evaluation feedback information from the user can receive the evaluation feedback information from the user terminal 200 or foreign currency in the form of a notification message such as an SMS message, May be transmitted to the recipient terminal.

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, information 1010 indicating that the exchange transaction or the currency exchange reservation has been canceled can not be displayed on the screen of the user terminal 200 or the foreign currency receiver terminal until the exchange time limit is displayed. In the case of a currency exchange reservation, the deposit may be paid to the exchange office at a cancellation fee (see 1020 in FIG. 10). If the currency exchange transaction or the currency exchange reservation is canceled, the foreign currency stock information for the specific currency exchange can be increased by the exchange transaction or the currency exchange reservation cancellation.

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 communication unit 110 may transmit the currency exchange transaction information to the exchange money sender terminal (not shown) to support currency exchange according to the exchange rate information of the specific exchange center at the time of selecting the specific exchange center . The foreign currency receipt authority can present the euros value to the money exchange recipient who proves the above-mentioned foreign currency receipt authority, and the euance value can be input to the foreign currency amount money sender terminal. The foreign currency amount sender terminal can transmit the inputted eigenvalue to the server 100. [

At this time, when a unique value is received from the foreign currency sender terminal, the processor 130 compares the received eigenvalue with the eigenvalue generated in the server 100, And to the foreign currency recipient terminal. If the receipt authority of the foreign currency recipient is identified according to the eigenvalue, the foreign currency amount distributor can pay the foreign currency to the foreign currency recipient.

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 user terminal 200 together with exchange rate information of each bank. The user can select a currency exchange transaction application interface and apply for a currency exchange transaction, and can select a currency exchange reservation application interface and apply for a currency exchange reservation. When a currency exchange transaction application interface or a currency exchange reservation application interface is selected, a bank-designated web site may be visited or a specific application may be activated on the web browser. In addition, the customer information and the application information may be transmitted to the terminal of the bank directly without passing through the server 100 for personal information protection and security at the time of applying for a currency exchange transaction or a currency exchange reservation, have.

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 user interface 34 is displayed on the screen of the user terminal 200, which allows the user to input identification information of a coupon for an exchangeable coupon. Exchange rates to which a preferential rate is applied can be aggregated in real time, and the server 100 and the bank server (not shown) can share the same, and can be utilized for settlement of commissions and the like. At this time, since the personal information is not shared with the server 100, a legal risk can be avoided.

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 server 100 additionally provides the exchange service through the bank, the bank can give more favorable exchange rate to the customer. The reason for this is that the exchange transactions that occur as customers who are usually crowded with more discounts on large-scale transactions become large in aggregate, and when manufacturers supply their same quality products to large discount stores, As products are not burdened with marketing costs and they are supplied at lower prices, banks can accommodate their customers without exchanging marketing expenses and can exchange money. If the size of the transaction is expanded, banks can make the exchange rate more favorable, which can lead to a virtuous cycle structure. Customers can place a currency exchange or currency exchange reservation in the same way and specify a place such as a bank branch or airport to visit and receive foreign currency there.

Referring again to FIG. 2, the processor 130 controls the flow of data between the communication unit 110 and the database management unit 120. That is, the processor 130 controls the flow of data between the respective components of the server 100 to control the communication unit 110 and the database management unit 120 to perform unique functions.

The processor 130 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

The configuration and operation of the user terminal 200 and the exchange terminal 300 according to various embodiments of the present invention will be described below. However, the description of the contents overlapping with those described above will be omitted.

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 user terminal 200 according to an exemplary embodiment of the present invention may include a user interface providing unit 210, a communication unit 220, and a processor 230.

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 user terminal 200.

The communication unit 220 detects information corresponding to a currency exchange transaction amount to be selected and a currency exchange reservation amount for reserving the currency exchange transaction by selecting a specific currency exchange station by user input, When the exchange transaction 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 server 100, the server 100 receives the exchange transaction information or the exchange reservation information, The exchange rate can be supported.

The processor 230 controls the flow of data between the user interface providing unit 210 and the communication unit 220. That is, the processor 230 controls the flow of data between the components of the user terminal 200 to control the user interface providing unit 210 and the communication unit 220 to perform their own functions.

The processor 230 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

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 exchange terminal 300 according to an embodiment of the present invention may include a processor 310 and a communication unit 320.

The processor 310 performs a function of controlling the flow of data between the communication unit 320 and other components to be described later. That is, the processor 310 controls the flow of data between each component of the exchange terminal 300 to control the communication unit 320 and other components to perform their own functions.

The processor 310 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. It may further include a software configuration of an operating system and an application that performs a specific purpose.

The communication unit 320 transmits the obtained real-time exchange rate information to the server 100 when (i) real-time exchange rate information on the specific currency provided by the exchange station is obtained, (ii) the exchange station is selected by user input, Information corresponding to the currency exchange transaction amount or the currency exchange reservation amount for reserving the currency exchange transaction is sensed and the exchange transaction information or currency exchange information indicating that the exchange transaction or the currency exchange reservation has been concluded in accordance with the exchange rate of the exchange office at the time of selecting the exchange money, When the reservation information is generated, the server 100 can receive the currency exchange transaction information or the currency exchange reservation information, and support the currency exchange according to the currency exchange rate at the time of selecting the exchange.

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

CLAIMS 1. A method for supporting exchange of currency at exchange rates declared by a currency exchange at a particular point in time,
(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 >

The method according to claim 1,
(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).

The method according to claim 1,
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.

The method according to claim 1,
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.

The method according to claim 1,
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.

The method according to claim 1,
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.

The method according to claim 6,
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.

The method according to claim 6,
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.

9. The method of claim 8,
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.

9. The method of claim 8,
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.

9. The method of claim 8,
Wherein said card is charged with a plurality of kinds of exchanged foreign currencies when currency is exchanged to plural kinds of foreign currencies.

12. The method of claim 11,
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.

The method according to claim 1,
And when the issued card of the foreign currency receiver is authenticated, the foreign currency exchanged is charged into the card.

The method according to claim 1,
(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.

15. The method of claim 14,
And an evaluation score is given to the specific exchange center based on evaluation feedback information input from the user.

15. The method of claim 14,
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.

The method according to claim 1,
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.

18. The method of claim 17,
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.

The method according to claim 1,
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.

The method according to claim 1,
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 >

The method according to claim 1,
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 .

The method according to claim 1,
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.

The method according to claim 1,
Characterized in that the exchange station is a bank or a private exchange station.

The method according to claim 1,
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.

CLAIMS 1. A method for supporting exchange of currency at exchange rates declared by a currency exchange at a particular point in time,
(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.

26. The method of claim 25,
(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).

26. The method of claim 25,
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.

28. The method of claim 27,
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.

26. The method of claim 25,
(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.

30. The method of claim 29,
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.

26. The method of claim 25,
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.

26. The method of claim 25,
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- &Lt; / RTI >

26. The method of claim 25,
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 .

CLAIMS 1. A method for supporting exchange of currency at exchange rates declared by a currency exchange at a particular point in time,
(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, &Lt; / RTI >

A server for supporting exchange of money at a currency exchange rate announced by a foreign exchange at a specific time point,
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 terminal for supporting exchange of money at a currency exchange rate announced by a money exchange at a specific time point,
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.

A currency exchange terminal for supporting currency exchange at a currency exchange rate announced at a specific time point,
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.