KR20170073271A

KR20170073271A - System and method for providing financial service for travelers

Info

Publication number: KR20170073271A
Application number: KR1020150181975A
Authority: KR
Inventors: 양정원
Original assignee: 양정원
Priority date: 2015-12-18
Filing date: 2015-12-18
Publication date: 2017-06-28

Abstract

The present invention provides a financial service system and method for an overseas traveler using virtual currency exchange including local money, mit coin or virtual money, which is not a physical cash for overseas travelers, and is an Internet or mobile payment service including Paypal A virtual currency exchange unit for providing a virtual currency to at least one of local money, bit coin or virtual money, rather than physical cash, to a currency exchange service corresponding to a pre-selected travel destination, A cash settlement processor for supporting settlement in connection with the settlement service server currently serving the market in the virtual currency provided by the foreign currency virtual currency exchange unit; Providing cash payment service based on credit rating There is composed, including payment processing.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial service system for travelers,

The present invention relates to a service system and method for a traveler, and more particularly to a financial service system and method for an overseas traveler using virtual currency exchange including local money, mit coin or virtual money, not physical cash for overseas travelers will be.

In recent years, as a result of the development of the industry, a lot of leisure time has become a hobby and travel is a big part. In addition, the world has entered into the era of public relations war and has been making every effort to recognize and sell all the resources of its own country as well as its products.

However, most of the trips are difficult to get information such as what is good as a sightseeing place, how to get to the place of transportation, and how to stay, so travelers should prepare themselves a lot or provide them with travel agencies, tourism corporations, It is difficult to find the information of the destination that the traveler wants, and it is necessary to separately find the necessary information, and since the traveler himself has to prepare a lot, it is cumbersome and requires a lot of expenses And the like.

Meanwhile, as the number of Internet users rapidly increases, the commercialization through the Internet is rapidly spreading, and various types of Internet businesses are being proposed. Therefore, it is advantageous that travelers do not have to waste unnecessary time in real travel by using internet to obtain advance information before travel and plan travel plans. However, there are many advantages to obtain information about travel destinations, It is troublesome to input the information of the traveler himself every time when searching the internet.

In addition, most companies that provide information related to travel do not provide differentiated travel products, but only specific package items are provided as main information. Therefore, when a traveler uses an ordinary travel agency or an Internet site that provides travel information, And a lodging place are limited. In addition, when the user selects a travel destination that he or she wants to travel, expensive travel costs are required compared to package products provided by travel agencies and the like, which is a great burden.

On the other hand, even if a traveler uses a package product provided on a general travel agency and an Internet site providing travel information, considerable travel expenses are required. As a means of payment during travel, most travel agencies use cash payment and credit card payment means .

Especially in foreign countries, it uses a lot of credit cards to pay a large amount of money.

Therefore, the user often exchanges cash because of the exchange loss, but it is also troublesome to exchange his / her cash with the money that can be purchased locally. It is an act that puts itself at risk. In addition, there is a problem that there is a limit in the amount of money that can be paid in comparison with a credit card. When cash is used and you return to your home country, it is difficult to process the change, so there is a problem that the change is accumulated.

Open Patent Publication No. 10-2001-0078462 (published on August 21, 2001) Japanese Patent Application Laid-Open No. 10-2002-0072067 (published September 2002) Published Japanese Patent Application No. 10-2003-0070568 (published on Aug. 30, 2003)

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above problems, and it is an object of the present invention to provide a financial service system and method for foreign travelers using virtual currency exchange including local money, mit coin or virtual money, The purpose is to provide.

Another object of the present invention is to provide a system and method for a traveler's financial service that can expect the greatest profit in consideration of exchange rate fluctuations.

Other objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a financial service system for a traveler, comprising: a currency exchange service corresponding to a pre-selected travel destination to a traveler requested by an Internet payment or a cash transfer through an Internet or mobile payment service including Paypal A foreign currency virtual currency exchange unit for providing the exchanged money as virtual money of at least one of local money, bit coin or virtual money, rather than physical cash; and a settlement service And a cash payment processor for providing a cash payment service on the basis of the virtual money and the credit of the traveler provided by the foreign currency virtual money changer 100. [

Preferably, the foreign exchange virtual currency exchange unit includes a virtual money exchange module for providing the mobile money exchange service to the mobile money exchange service corresponding to the pre-selected travel destination as virtual money rather than physical cash, and a currency exchange service corresponding to the pre- A bit coin exchange module for providing the converted money to the mobile app (App) in bit coin rather than physical cash, and a money coin exchange module for transferring the money converted into the money exchange service corresponding to the pre-selected travel destination to a mobile app (App) And a local money exchange module for providing the local money exchange module.

Preferably, the cash settlement processor releases an Internet cash card through a mobile app carried by a traveler, and provides a payment service in a mobile app (App) corresponding to a virtual currency provided in connection with the mobile app settlement service server A magnetic cash and transportation card payment module for supporting a payment service in a store terminal in correspondence with a virtual money provided in connection with a payment service server, a magnetic cash and a transportation card paid by a traveler, , A mobile payment gateway (MPGS) module supporting a payment service in a mobile that is associated with a virtual currency provided in connection with a mobile payment service server supporting a mobile API (application program interface) And a control unit.

Preferably, the cash payment processor includes a credit management module that calculates a credit rating of a traveler and sets a cash payment scale according to the credit rating.

Preferably, the cash payment processor is associated with the interface technology according to the mobile application payment module, the magnetic cash and the transportation card payment module, and the mobile payment gateway (MPGS) module of the cash payment processor to provide cash payment based on the virtual currency and the creditworthiness of the traveler Thereby providing a service.

According to another aspect of the present invention, there is provided a method for providing a financial service for a traveler, comprising the steps of: (A) accessing a financial service system from a traveler, (B) a step of requesting a cash conversion service by cash remittance, and (B) a step of exchanging the money converted into a currency exchange service corresponding to a pre-selected travel destination based on the requested cash conversion service through a foreign currency virtual currency exchange unit, (C) providing virtual money provided to the traveler through the cash settlement processor to a settlement service server currently serving in the market to support settlement at a travel destination, Provides virtual currency and cash payment services through the Cash Dispatch Department And a step of performing the steps of:

Preferably, the step (A) includes the steps of: providing a virtual exchange service availability confirmation window asking whether to use the "foreign exchange virtual exchange service" provided by the financial service system when the traveler completes the travel destination selection or package selection; , Starting a service purchase process by displaying a deal page or a deal window of a "foreign exchange virtual currency exchange service" when "YES" is selected in the " And inputting information necessary for the purchaser to the traveler through the Deal page or the deal window and providing the service purchase result.

Preferably, the step (B) includes the steps of (B1) providing a "service mode" when a request for the cash conversion service is confirmed through the foreign exchange virtual currency exchange unit, thereby generating at least one virtual currency And receiving a selection of a currency exchange amount; and (B2) when the selection of the virtual currency and the currency exchange amount through the "service mode" is completed, do.

Preferably, in the step (B1), the service mode is divided into a lump-sum exchange service mode, a threshold value exchange service mode, and a lump-sum threshold value exchange service mode. When the lump-sum exchange service mode is selected, Quot; foreign exchange transaction option selection window "is provided to determine an exchange currency of one of bit coin, local money, and virtual money, and provides a country-specific currency selection option to exchange with the determined exchange currency for the virtual currency And a step of determining a currency exchange amount by providing a "one-time money exchange service size definition option element " for selecting how much to exchange, and when the threshold currency exchange service mode is selected, To provide a "virtual currency exchange option selection window" for a bit coin, local money and virtual machine The method comprising the steps of: determining an exchange currency of one of the plurality of exchange options; providing a country-specific currency selection option to exchange the exchange currency with the determined virtual currency; Quot; element "to determine a threshold value for determining how much the virtual currency exchange service is to be continued in the traveler's account if the remaining amount of money remains in the traveler's account, and if the lump sum threshold value mixed exchange service mode is selected, And the threshold exchange service mode is automatically switched to the threshold value exchange service mode when the service in the first-time lump-sum exchange service mode is first used by mixing the lump-sum money exchange service mode and the threshold value money exchange service mode .

Preferably, the step (B2) provides a "payment processing option selection window" capable of selecting at least one of payment services provided in the market including Paypal, Apple Pay, Android Pay, Visa / Master, And performing payment processing according to a standard settlement processing procedure according to the selected settlement method.

Preferably, the step (C) includes the steps of: (C1) supporting the settlement by associating the virtual currency provided through the cash settlement processor with a settlement service server currently servicing in the market; (C2) And providing a cash payment service based on the virtual amount and the creditworthiness of the traveler.

Preferably, the step (C1) includes the steps of: releasing an Internet cash card through a mobile app carried by a traveler through a mobile app payment module; transmitting a mobile app (App A step of supporting the settlement service in the store terminal, and a step of supporting the settlement service in the store terminal in correspondence with the virtual money provided in connection with the settlement service server by the magnetic cash and the transportation card paid by the traveler through the magnetic cash and traffic card payment module And a mobile payment service server supporting a mobile API (Application Program Interface) through a Mobile Payment Gateway Services (MPGS) module, in response to virtual currency provided by a traveler And a step of supporting the payment service in the mobile And that is characterized.

As described above, the financial service system for travelers and the method according to the present invention have the following effects.

First, it provides the maximum profit considering the fluctuation of the exchange rate for the travelers, so that it is possible to reduce the loss of exchange ratio as much as possible.

Second, it provides virtual currency exchange, which includes local money, mit coin or virtual money, rather than physical cash, so that it automatically provides services in the region based on credit without having to exchange money when traveling to various countries.

Third, it provides easy service free from the risk of cash theft and card fraud, and can solve the problem of large payment compared with cash exchange. It also solves the problem of the problem of handling change when using cash exchange.

Fourth, the settlement of virtual money makes it possible to easily resolve issues related to rejection of returns.

1 is a block diagram illustrating a configuration of a financial service system for a traveler according to an embodiment of the present invention;
2 is a flowchart for explaining a financial service method for a traveler according to an embodiment of the present invention;
3 is a diagram for explaining a financial service through a mobile payment gateway (MPGS) module in FIG.

Other objects, features and advantages of the present invention will become apparent from the detailed description of the embodiments with reference to the accompanying drawings.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A preferred embodiment of a financial service system and method for a traveler according to the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. It is provided to let you know. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and are not intended to represent all of the technical ideas of the present invention. Therefore, various equivalents It should be understood that water and variations may be present.

1 is a block diagram illustrating a configuration of a financial service system for a traveler according to an embodiment of the present invention.

As shown in FIG. 1, when a traveler who is requested by internet settlement or cash transfer through Internet or mobile settlement service including Paypal converts the money exchanged into a currency exchange service corresponding to a pre-selected travel destination, local money, Coin or virtual money in the form of at least one virtual currency, a virtual money exchange unit (100) for providing the virtual currency provided by the FX virtual currency exchange unit (100) with a payment service server currently serving in the market, And a cash payment processing unit 300 for providing a cash payment service based on the credit of the virtual money and the traveler provided by the foreign exchange virtual currency exchange unit 100.

In this case, the local money is a virtual money that can be used only in a specific region or country, the bit coin is a virtual money that can be used only in a particular store or an event, and the virtual money can be used only in a specific region or country Is a virtual currency issued by the financial service system of the present invention as a virtual currency.

The foreign exchange virtual currency exchange unit 100 includes a virtual money exchange module 110 for providing a money exchanged with a currency exchange service corresponding to a pre-selected travel destination to a mobile app App as virtual money rather than physical cash, A bit coin exchange module 120 for providing the money exchanged by the money exchange service corresponding to a travel destination to the mobile app (App) in bit coin rather than physical cash, a money coin exchange module 120 for transferring the money, And a local money exchange module 130 for providing local money to the App, not the physical cash. At this time, the virtual money can be paid in a mobile app (App), and supports all mobile payments. At the same time, it provides services through most Payment Gateway (PG). As a result, most of the settlement can be replaced by virtual currency, which can lower the exchange fee.

The cash settlement processing unit 200 releases the Internet cash card through the mobile app carried by the traveler, and transmits the Internet cash card to the mobile app payment service in the mobile app (App) corresponding to the virtual currency provided in connection with the mobile app payment service server A mobile cash settlement module 210 for supporting a settlement service in a store terminal in correspondence with a virtual currency provided in connection with a settlement service server in association with a magnetic cash and a transportation card paid by a traveler, A transportation card payment module 220, and a mobile payment service (mobile payment service) server supporting a mobile API (Application Program Interface). And a mobile payment gateway (MPGS) module 230.

Also, the cash payment processor 300 includes a credit management module 310 for calculating a credit rating of a traveler and setting a cash payment scale according to the set credit rating. At this time, the creditworthiness of the traveler is calculated on the basis of the number of times of use, the amount of use, the number of delays / unpaid delays, assets and personal information. However, as one embodiment, it is possible to calculate and receive the credit information of the traveler through interlocking with the money provider server.

The cash payment processing unit 300 is connected to the cash payment processing unit 200 through an interface for the mobile application payment module 210, the magnetic cash and transportation card payment module 220, and the MPGS (Mobile Payment Gateway) Technology to provide cash payment services based on virtual currency and traveler's credit rating.

The operation of the financial service system for travelers according to the present invention will now be described in detail with reference to the accompanying drawings. The same reference numerals as those in Fig. 1 designate the same members performing the same function.

2 is a flowchart illustrating a financial service method for a traveler according to an embodiment of the present invention.

Referring to FIG. 2, a traveler accesses a financial service system and requests cash conversion service through Internet settlement or cash transfer through an Internet or mobile settlement service including Paypal (S10) before arriving at a travel destination.

Then, the money exchanged by the exchange virtual exchange unit 100 to the exchange service corresponding to the pre-selected travel destination based on the requested cash conversion service is converted into at least one of virtual money, bit coin or virtual money (S20).

The virtual money provided to the traveler through the cash settlement processing unit 200 is linked with the settlement service server currently serving in the market to support settlement at a travel destination and also through the cash payment processing unit 300, (S30).

Each step shown in FIG. 2 will be described in more detail as follows.

First, step S10 will be described in detail. When the traveler completes the selection of the destination or the package selection, a page or a window asking whether to use the "foreign exchange virtual currency exchange service" provided by the financial service system is displayed. For this work, a "virtual exchange service availability confirmation window" is provided.

If the user selects "YES" in this window, the dealer immediately displays a deal page or a deal window of "Foreign Exchange Virtual Exchange Service " It requests cash conversion service through internet settlement or cash transfer.

Through these windows, the traveler can input information necessary for the purchase process and display the result of the service purchase.

Next, the step S20 will be described in detail. When a request for a cash conversion service is confirmed through the foreign exchange virtual currency exchange unit 100, a service mode is provided to allow at least one of local money, bit coin or virtual money You will be given a choice of virtual money and money exchange.

The service mode includes a lump-sum exchange service mode, a threshold value exchange service mode, and a lump-sum threshold value mixed exchange service mode.

First, when the lump-sum currency exchange service mode is selected, the exchange currency is determined first. The virtual money that can be selected at this time is largely electronic coin money provided by bit coin, local money, and financial service system. This is the page that supports "Virtual Currency Exchange Option Window". This provides a country-specific currency selection option, which allows exchange with virtual currency exchanged for all the countries providing the service. To support this, the "Currency Selection Option Elements by Country" is provided. In other words, we are going to exchange value without going through the US dollar.

Next, decide how much you want to exchange. To deal with this, the "Option to define a one-time currency exchange service size" is provided in the virtual currency exchange option selection window.

Second, the threshold exchange service mode is a service for automatically setting up a virtual currency exchange service on a certain scale when a balance of a traveler's account remains below a certain amount, for which a credit card of a specific country is connected. In other words, this mode is supported only for credit card payment.

To do this, first determine the exchange currency. This is the same as asking through the "Currency Selection Option Elements by Country" just like the first lump-sum currency exchange mode.

In this case, the threshold value should be set, and at the same time, how much unit should be decided to continue the virtual currency exchange service. For this purpose, "threshold definition option element" and "exchange unit definition option element" are respectively supported.

Third, the lump sum threshold value mixed currency exchange service mode is a mixed mode of the first lump sum currency exchange service mode and the second threshold value money exchange service mode. In other words, if the user first uses the first service, which is a lump-sum money exchange service mode, and then uses the money exchange service, it automatically goes to the second threshold service mode.

Therefore, the purpose of the DOM (Document Object Model) activated here is "Currency Selection Option by Country," "Single Currency Exchange Service Size Definition Option Element," "Threshold Value Option Element" and "Currency Unit Definition Option Element". This is only possible with credit card payment options, such as the second threshold exchange service mode.

As such, when the selection of the virtual money and the money exchange amount through the "service mode" is completed, the process proceeds to the settlement processing.

The window or page for the payment processing is a " payment processing option selection window ". By entering information necessary for settlement in this page or window, the settlement processing job is executed.

First, the first thing that is requested is the payment method. The goal is to support virtually any payment method, such as Paypal / Apple Pay / Android Pay / Visa / Master. In Korea, the cash transfer function is also included here.

Next, the settlement processing is performed according to the respective standard settlement processing procedures to be provided as virtual money, so that the virtual money providing process according to step S20 is ended.

On the other hand, there are additional virtual exchange methods such as Local Money, Crane SoftWorks Virtual Money, and Bit Coin, and travelers can select and purchase options for each of them. At this time, only one method may be selected, or various methods may be mixed and selected. This virtual currency can be used for local money or ticket purchases, or vice versa.

Next, step S30 will be described in detail. First, the virtual currency provided through the cash settlement processor 200 is linked to a settlement service server currently serving in the market to support settlement.

At this time, the cash settlement processing unit 200 can be divided into the following three methods to support payment.

First, an Internet cash card is released through a mobile application carried by a traveler through a mobile application settlement module 210, and the mobile cash settlement service is released through a mobile app (App ) To support the settlement service.

Accordingly, the traveler can use the payment service only by registering the app on the mobile. In order to receive payment services through mobile apps, virtual money must be accumulated in the account. In addition, the app's interface method supports both NFC, loop payload, and physical magnetic cards.

Second, the magnetic cash and transportation card paid by the traveler through the magnetic cash and transportation card payment module 220 are linked to the payment service server to support the settlement service in the store terminal in correspondence with the virtual money provided .

Accordingly, when the traveler pays the goods value of the specific store by using the paid magnetic cash and the transportation card, the virtual money of the buyer is deducted, and the receipt or ticket paid is displayed on the traveler's mobile screen. When NFC communication is performed with a mobile phone or a terminal of a shop, the settlement processing of the virtual currency is displayed on the mobile phone or the terminal of the shop. The virtual currency used at this time is remitted to the shop mainly by the financial service system.

In this case, if the lost magnetic cash or transportation card is lost, the traveler can access the app (App) or the web (Wep) to request the suspension. If the payment amount is insufficient, Can be extended. In addition, the virtual currency remaining in the account after the trip can be left in the account for later use, or can be changed to cash if desired.

As shown in FIG. 3, the mobile payment gateway (MPGS) module 230 provides a virtual payment service (hereinafter referred to as " mobile payment service ") provided in connection with a mobile payment service server supporting a mobile API And supports the payment service on the mobile that the traveler is carrying.

This is a method of paying by using virtual money when there is no mobile app in the store, or by using the interface provided by the store owner with the unique ID of the local money (3). At this time, in the case of using the service through the PG (Payment Gateway), the process of payment by using the virtual money can be omitted, and the national currency or the international money can be directly used without using the virtual money.

To this end, NFC terminal sharing services are provided to local or local organizations that support virtual money such as local money. In this case, if it is difficult to have an NFC terminal in all the stores, the NFC terminal outputs the paper local money to the NFC terminal or purchases a ticket, and then provides it to the shop owner to process payment. At this time, even if it is a ticket or local money, it can be paid electronically. When switching from a virtual money to a local money, a unique ID is assigned and a payment guarantee is made.

Accordingly, the shop owner can confirm that the payment has been made through the terminal in the shop, and the settlement processing is completed when the ID of the screen matches the terminal ID of the shop. For reference, local money is basically smart money, so it is output together with the money information ID such as the user's unique ID and dictionary information.

Next, a cash payment service is provided based on the virtual amount provided through the cash payment processing unit 300 and the creditworthiness of the traveler.

At this time, the cash payment processing unit 300 calculates the credit rating of the traveler through the credit management module 310, and sets the cash payment scale according to the set credit rating. Cash payments can be made for all amounts deposited in the account, regardless of credit rating.

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. It will be apparent to those skilled in the art that various modifications may be made without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims

The amount of money exchanged with a currency exchange service corresponding to a pre-selected travel destination to a traveler who is requested by Internet settlement or cash transfer through an Internet or mobile settlement service including Paypal is referred to as at least one of local money, bit coin or virtual money A currency exchange virtual currency exchange unit provided in a currency,
A cash settlement processor for supporting settlement in connection with a settlement service server currently servicing the virtual currency provided by the foreign exchange virtual currency exchange unit,
And a cash payment processor for providing a cash payment service on the basis of the virtual money and the credit of the traveler provided from the foreign exchange virtual currency exchange unit 100.

The system according to claim 1, wherein the foreign exchange virtual currency exchange unit
A virtual money exchange module for providing the money exchanged with the exchange service corresponding to the pre-selected travel destination to the mobile app (App) as virtual money rather than physical cash;
A bit coin exchange module for providing the money exchanged with the exchange service corresponding to the pre-selected travel destination to the mobile app (App) in bit coin rather than physical cash;
And a local money exchange module for providing the money exchanged by the exchange service corresponding to the pre-selected travel destination to the mobile app (App) as local money rather than physical cash.

The system according to claim 1, wherein the cash settlement processing unit
A mobile application payment module that releases an Internet cash card through a mobile application carried by a traveler and supports a payment service in a mobile application (App) corresponding to a virtual currency provided in connection with the mobile application payment service server;
A magnetic cash and transportation card payment module for supporting a payment service in a store terminal in response to a virtual currency provided in connection with a payment service server, the magnetic cash and the transportation card being paid by a traveler,
Mobile Payment Gateway (MPGS) module that supports mobile payment service that is compatible with virtual currency provided in connection with mobile payment service server supporting mobile application program interface (API) And a financial service system for travelers.

The system according to claim 1, wherein the cash payment processor
And a credit management module for calculating a credit rating of a traveler and setting a cash payment scale according to the set credit rating.

5. The method of claim 4,
The cash payment processing unit is associated with the interface technology based on the mobile application payment module, the magnetic cash and the transportation card payment module, and the mobile payment gateway (MPGS) module of the cash settlement processing unit to provide a cash payment service based on the virtual currency and the creditworthiness of the traveler Providing a financial service system for a traveler.

(A) requesting a cash conversion service by internet settlement or cash transfer through Internet or mobile settlement service including Paypal before being connected to a financial service system from a traveler and arriving at a travel destination;
(B) providing, through the foreign currency virtual currency exchange unit, at least one virtual currency other than physical cash, local money, bit coin or virtual money, to the exchange service corresponding to the pre-selected travel destination based on the requested cash conversion service , &Lt; / RTI &
(C) providing virtual money provided to the traveler through the cash settlement processor to the settlement service server currently serving in the market, supporting payment at the travel site, and providing the virtual currency and the cash payment service through the cash payment processor The method comprising the steps of:

7. The method of claim 6, wherein step (A)
Providing a virtual exchange service availability confirmation window asking whether to use the "foreign exchange virtual exchange service" provided by the financial service system when the traveler has selected the destination selection or package selection;
If a "YES" is selected in the "virtual exchange service availability check window" provided above, starting a service purchase process by displaying a deal page or a deal window of the "foreign exchange virtual exchange service"
And inputting information necessary for a purchasing process to the traveler through the deal page or the deal window and providing the service purchase result to the traveler.

7. The method of claim 6, wherein step (B)
(B1) If the request for the cash conversion service is confirmed through the foreign currency virtual currency exchange unit, provide a "service mode" to receive at least one of the local money, bit coin or virtual money Step,
(B2) When the selection of the virtual currency and the money exchange amount through the "service mode" is completed, the payment transaction is performed and provided as virtual money.

9. The method of claim 8,
In the step (B1), the service mode is divided into a lump-sum exchange service mode, a threshold value exchange service mode, and a lump-sum threshold value mixed exchange service mode.
If the lump sum exchange service mode is selected,
Providing a "virtual currency exchange option selection window" for selecting an exchange currency so as to determine an exchange currency of either bit coin, local money or virtual money,
Providing a country-specific currency selection option to exchange for the virtual currency exchanged with the determined exchange currency;
And the amount of money to be exchanged is determined by providing a "Option element for defining the size of a one-time money exchange service "
When the threshold value exchange service mode is selected,
Providing a "virtual currency exchange option selection window" for selecting an exchange currency so as to determine an exchange currency of either bit coin, local money or virtual money,
Providing a country-specific currency selection option to exchange for the virtual currency exchanged with the determined exchange currency;
Providing a threshold definition option element and a currency unit definition optional element to determine a threshold for determining how much of the remaining balance in the traveler's account is to continue the virtual currency exchange service ,
If the lump sum threshold value mixed exchange service mode is selected,
Wherein the service mode is switched to the threshold exchange service mode automatically when the service is performed in the first lump-sum exchange service mode, which is the first combination of the lump-sum exchange service mode and the threshold value exchange service mode, A method of financial service for travelers.

9. The method of claim 8, wherein step (B2)
Selecting a payment method by providing a "payment processing option selection window " capable of selecting at least one of payment services provided in the market including Paypal, Apple Pay, Android Pay, Visa / Master, and cash transfer;
And performing payment processing according to a standard settlement processing procedure according to the selected settlement method.

7. The method of claim 6, wherein step (C)
(C1) supporting the settlement by associating the virtual currency provided through the cash settlement processor with a settlement service server currently serving in the market;
(C2) providing a cash payment service based on the virtual amount provided through the cash payment processor and the creditworthiness of the traveler.

12. The method of claim 11, wherein step (C1)
Through the mobile application payment module, the Internet cash card is released through a mobile application carried by a traveler, and is linked to the virtual money provided in connection with the mobile application payment service server to support a payment service in a mobile app (App) Step,
Supporting a payment service in a store terminal in correspondence with a virtual currency provided in connection with a payment service server, the magnetic cash and the transportation card being paid by a traveler through the magnetic cash and transportation card payment module;
Mobile payment service supporting mobile application programming interface (API) through MPGS (Mobile Payment Gateway) module Supports payment service on mobile that correspond to virtual currency provided in connection with server The method comprising the steps of: