KR20170073336A

KR20170073336A - method of exchange and remittance using electronic money

Info

Publication number: KR20170073336A
Application number: KR1020150182128A
Authority: KR
Inventors: 최성욱; 정상용; 박청호
Original assignee: 주식회사 센트비
Priority date: 2015-12-18
Filing date: 2015-12-18
Publication date: 2017-06-28
Also published as: KR101815270B1

Abstract

A method of exchanging and transferring money between a heterogeneous currency through virtual money is disclosed. A method for exchanging and remitting money according to the present invention comprises collecting a remittance request of a global sender and receiving a corresponding currency call, calculating an amount required for a net transfer in each currency zone in response to a remittance request at a certain point in time Step, a step of transferring money to and from the virtual currency by the amount required for net movement, generating a transfer effect between the respective currency zones in the form of a virtual currency, allocating the total amount to be remitted for each currency, Step.

Description

The method of exchange and remittance using electronic money

The present invention relates to a currency exchange and remittance service method, and more particularly, to a currency exchange and remittance service method capable of performing a remittance service between disparate currencies to a client using virtual money.

The evolution of computers and communications, and the evolution of networks such as the Internet, artificially assign values to certain objects such as codes that can be communicated electronically between computer and communication network users, It is becoming more common to play the role of money. This can be called virtual money.

Virtualization closures are things like cyworld 'acorns' or 'Naver cache' that are not really hands-on money, but they can be used to buy things or pay for services. These virtual currencies have not yet stabilized in the modern economic society, but they open up the possibility of a new concept of money. This possibility is enough to consider the process of development of various real currencies and credit currencies in human society It can be said that it can be realized.

One of the representative types of virtual money is the bit coin. A bit coin is a virtual currency, and it is how the money works. As a representative example of the virtual currency, the bit coin is exemplified by the characteristic that it is characterized by its operation mode as compared with other virtual currency, and therefore, it is more likely to be more generalized.

Other virtualization hungry acorns can only buy music and fonts sold by cyworld, while chocolate can only buy items sold by cacao. Facebook credits are the same. However, the bit coin has no specific issuer. It is not a 'cache' operated by a particular individual or company. There are a variety of things you can buy as a bit coin. This is because businesses and individuals are increasingly considering bit coin as real money.

The operating system is P2P and is distributed among the users' computers. Anyone who creates and trades bit coins and turns bit coins into cash can become bit coin issuers.

You do not need to have an ID card when you create your account. In a bit coin, an account is called a wallet. Each wallet has its own number, which consists of about 30 characters, with numbers, lower case letters and upper case letters. One person can make several wallets, but there is no limit to the number of wallets. Just use a separate program or website to create your wallet.

As a result, the bit coin is more likely to have the same general versatility as the real credit currency as compared to other virtual currency, and the bit coin will be described here as an example of the virtual currency.

Korean Patent Laid-Open No. 2003-0012065 discloses a real-time online exchange and remittance method.

This is a method of exchanging foreign currency between foreign currencies. More specifically, it is a method of exchanging money for the international trade money, the transaction money transfer, the simple money transfer, or the foreign currency owned by the individual The present invention relates to a method for performing online exchange on a real time basis.

In this case, a host computer connected to a money exchange bank or a money exchange agency is used to exchange money online in real time. A money exchange client accesses a host computer and registers the withdrawal and deposit account number of the client for currency exchange, Money, beneficiary, etc., and requests the exchange. Through such a request, the money is withdrawn from the actual account or the credit card of the exchange client, and the withdrawn amount is transferred to the money exchange account before exchange, which is the host room account linked to the host The money deposited in the money account before the currency exchange is exchanged according to the exchange rate provided by the main bank or the currency exchange institution, and the money is deposited into the money account after the exchange, which is the host room account linked with the host, And deposits the money in the account designated at the time of request for exchange, A currency exchange and money transfer exchange by the Commission in cases emitter separately from what goes through a process of mutual exchange settlement through the entire exchange currency account with a bank or currency exchange House exchange between the institutions after the exchange currency exchange brokerage account linked with a host of service providers.

However, these remittance and exchange services mainly focus on the existing online exchange process in online real-time. As a remittance service through different currencies, there are existing disadvantages of exchanging money, for example, exchange rate due to buying exchange rate and exchange rate It is not fundamentally inevitable, it has all the problems that the exchange rate instability may become large depending on the type of the target currency, and has a problem of the procedural time delay of the commonly used SWIFT method.

Korean Patent Laid-Open Publication No. 2003-0012065: Real-time Online Exchange and Remittance Method

Disclosure of the Invention The present invention aims to provide a method of exchanging and remitting a service for reducing exchange losses between disparate currencies and enabling quick and stable remittance, in order to alleviate and solve the problems of the conventional currency exchange and remittance service described above do.

According to another aspect of the present invention, there is provided a method of exchanging and remitting money,

And exchange and transfer money between the heterogeneous currencies through the virtual currency.

A method for exchanging and remitting money according to the present invention comprises collecting a remittance request of a global sender and receiving a corresponding currency call, calculating an amount required for a net transfer in each currency zone in response to a remittance request at a certain point in time Step, a step of transferring money to and from the virtual currency by the amount required for net movement, generating a transfer effect between the respective currency zones in the form of a virtual currency, allocating the total amount to be remitted for each currency, .

In the present invention, the step of exchanging the virtual currency with the virtual money as much as the amount required for the net movement to generate the transfer effect between the respective currency zones in the form of virtual currency is performed by first converting the currency into virtual currency A virtual currency is transferred to a currency zone in which the amount to be remitted through the network is minus (-) by the service entity after the exchange, and the virtual currency is exchanged into the currency in the currency zone.

In the present invention, the step of exchanging virtual money with the amount of net movement required to generate the effect of remittance between the respective currency zones in the form of virtual currency is substantially simultaneous with the service principal in the case of the money The currency in which the currency is held can be converted into a virtual currency, and in the case of a currency with a minus (-) amount to be remitted, the virtual currency held by the service subject can be converted into the currency. In this case, various currencies and virtual currencies possessed by the service subject can be increased or decreased within the same service subject, and they can be mutually transferred or exchanged according to the necessity or judgment of the service subject, and the respective holding amount can be maintained and adjusted. These activities can be performed automatically by the control program included in the server of the service subject, and the point of mutual exchange may not be always simultaneous, but may be manually or automatically selected to find the appropriate time.

According to the present invention, in the step of collecting the remittance request of the sender and receiving the respective currency calls, a step of inserting a portion of the received call into a fee and making a settlement may be performed.

Between the step of performing the virtual currency exchange and the transfer and the step of transferring the remittance to the remittee, the cumulative amount to be remitted to the remittance account for each country is compared with the presently held amount, and if there is a difference, May be further provided with a confirmation step of filling the defect.

In the step of calculating the amount required for the net movement in the present invention, the cumulative amount of the remittance collected for a predetermined period (cumulative amount of the remittance amount) and the remittance request The cumulative amount (the cumulative amount of the requested amount of money transferred) shall be determined and collected by all other countries except for that country. In addition to the calculation of the difference between the cumulative amount of the remittance and the accumulated amount of the remittance request, The required amount may be calculated.

In the present invention, in the step of exchanging the currency with the virtual currency and transferring the virtual currency, a method of reducing the risk due to the virtual currency exchange by each country by performing the hedging by the reverse transaction on the virtual currency transaction can be used.

According to the present invention, it is possible to reduce the exchange loss due to the transfer money transfer by using the virtual money that can be used universally for the exchange money.

According to the present invention, when remittance is performed between mutual communication channels, the same amount of money can be exchanged only by the amount required for net movement without exchanging money, thereby further reducing the exchange cost.

According to the present invention, it is very easy to hedge a currency risk through reverse trading while systematically exchanging virtual currency when mutual funds are exchanged.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart showing the flow between progressing stages according to an embodiment of the present invention; FIG.
FIG. 2 is a schematic flow chart showing the flow of each step of another embodiment of the present invention,
FIG. 3 is an explanatory diagram for explaining the concept of processing in a state in which mutual direction remittance occurs when assuming a two-country system in the embodiment of FIG. 2,
Fig. 4 is a schematic flow chart showing the flow of each step of the embodiment of the present invention, taking into consideration a bidirectional flow for a whole remittance.

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

FIG. 1 is a flow chart illustrating a progressing step according to an embodiment of the present invention.

First, in the method of exchanging and remitting money according to the present invention, a step S10 of collecting a remittance request of a global sender and receiving a corresponding currency conversation is performed.

To do this, it is necessary to receive the remittance amount and fee requested by the sender, and in order to do so, it is necessary to actually confirm the sender. Accordingly, in a practical example, first, the sender accesses the remittance agent through a network using an Internet site prepared by the service subject, and registers the remitter as a customer of the service subject. , The work of confirming the identity of the sender can be performed in this process.

A typical network for a sender to access a service subject may be the Internet, but it may be a telephony network as in the case of phone banking, and the sender may request remittance through various personal terminals such as a smart phone, a personal computer, .

After accessing the Internet site of the service provider and logging in after signing up for the service, the sender informs the service provider of the information necessary for remittance. The information required for remittance includes a remittance request amount indicated by the second country currency, a payee name of the second country, a payee account of the second country, a cost withdrawal account of the first country having the remitter, information for withdrawing from the cost withdrawal account , Purpose of remittance, and so on.

These processes can be done in a similar way through programs that are similar to existing banking Internet banking services programs, smartphone banking applications, and other phone banking programs. The banking program that can be used here is well known in the prior art, so a detailed description thereof will be omitted.

In reality, it is often difficult for the service subject to withdraw directly from the withdrawal account of the sender in the first country. Therefore, in the process of inputting the information necessary for remittance, Notify the sender of the first country of the amount of the currency of the first country, and have them deposit the account for the first country remittance of the service subject. At this time, the required first currency amount is the amount requested from the second currency, the exchange rate between the first and second currency at the present time and the exchange fee, the exchange rate between the virtual currency and the second currency, Commissions, fees of service providers, and so on.

If the remitter of the first country sends a remittance request, the service principal shall confirm the remitter and the amount of the remittance from the account for remittance to the first country. At this time, the sender and the deposit amount information recorded in the account for the first country remittance of the service subject can be automatically recorded in the server of the service subject.

Usually, the remittance service will be operated for a fee. Therefore, in this embodiment, the service entity calculates the service fee corresponding to 1% of the remittance request amount deposited together with the remittance request amount in the service fee, for example, And transfer it to the unified account of the service subject before the remittance settlement. (You can transfer the remaining money from the remittance settlement process to the service account's integrated account without having to transfer the service fee in advance.)

If a request for remittance is made for each of the remittance funds for a certain period of time, the requests are collected, the necessary information is collected on the server of the service subject, and the account for remittance to each country The amount of the remittance request (if the service fee has not been transferred in advance, the total amount of the remittance of the sender) will accumulate.

In the next step S20, for the sake of simplicity, if it is assumed that the remittance proxy service is performed only between the first and second stations, at the end of a predetermined period, the server transmits the first and second stations The total amount of remittance requests from the first and second stations is also determined in the other party's currency, and the sum of the amounts requested by the remitter to the local currency requested by the remitter, (S20) At this time, the cumulative amount of the remittance request is accumulated in the remittance account of the service subject of each country, and is a currency amount existing in reality. The cumulative amount of the remittance is the remittance amount This is the amount of money that must be in the account.

When the cumulative amount of the remittance request and the cumulative amount of the remittance are determined for each country (currency zone), a matching operation (S30) for calculating the difference is performed. If the cumulative amount of the remittance of the first country exceeds the accumulated amount of the remittance request of the first country, the requested remittance to the remittee of the first country can not be completed in the remittance account of the service subject of the first country (the first telecommunication right). Therefore, if the remittance fee in the first country is ignored, the net increase (net increase) of the currency in the service account of the first country is required by the difference. On the other hand, if the difference is smaller than the cumulative amount of the remittance request, the difference remains in the remittance account of the first-party service entity after completing the requested remittance. As in the case of the first station, matching work is also performed in the second station.

In the case where only the remittance request is made from the first station to the second station, it may be considered that the process of calculating the difference is not necessary when the cumulative sum of the remittance requests on one side is 0, It is a kind of matching work to confirm that the same amount of money is the accumulated amount of the money transfer request of one side.

After the matching operation, a necessary amount of money is exchanged between the virtual money and the real money, and a step S40 of generating a remittance effect between the respective currency notes in the form of a virtual money is performed.

For example, if the amount of money remaining in the accounts for the first country remittance of the service subject after the matching is scheduled and the account for the second remittance service of the service subject is scheduled to be insufficient, (As much as you can fill in the deficit of the account for the second country in consideration of the virtual currency and the first country currency, the exchange rate between the virtual currency and the second country currency, and the commission) to the virtual currency exchange at the first station The virtual currency is exchanged into the virtual currency, and the virtual currency is exchanged into the second country currency at the virtual currency exchange station of the second country, and the virtual currency is transferred to the account for the second country transfer.

At this time, the insufficient amount is withdrawn from the integrated account of the service principal and used for the exchange, and the remaining amount is deposited into the integrated account of the service principal. The virtual currency exchange is mainly performed in the virtual space using the computer and communication network , A virtual money wall created using a transaction application program can act as a financial account of a virtual money transaction. This can be done in a similar way to financial transactions using financial transaction programs such as Internet banking or phone banking.

In the above, the ideal state is assumed, so that the amount of money that is insufficient or necessary in the second country remittance account is exchanged from the virtual money exchange of the first country to the virtual money, and the virtual money is transferred to the second country money , But it is not possible to make such a money exchange because the virtual currency exchange rate and the commission can vary from time to time.

As a practical example of a currency exchange process using a virtual currency, a non-matched difference amount (a difference between a cumulative amount of a remittance request and a cumulative amount of a remittance) in an account for a first country remittance of a service subject is used in a virtual money exchange Charge the virtual money wallet. The system automatically searches for the best selling price and automatically classifies the virtual currency at the optimal price by using the virtual currency exchange counter API and Quick Sort technology of the first country. We will buy.

The encrypted currency purchased is transferred to the virtual currency wallet of the virtual currency exchange currency of the other country, and the automatic searching and automatic classification of the optimal purchase price is performed in the virtual currency exchange field of the second country (recipient country) Using the Sorting Algorithm Technology), the virtual currency that has arrived at the virtual currency exchange station of the partner country is sold at the optimal price, and when the currency of the second country is obtained, the account is transferred to the account for the second country remittance. At this time, the insufficient amount may be withdrawn from the unified account of the service principal and used for the deposit, and the remaining amount may be deposited into the unified account of the service principal. It can be recorded automatically.

Consolidated accounts can be operated in several different forms, but conceptually, the financial account of the service entity in each country (currency)

It can be viewed as an account for a portion of the account, and is a concept that includes both accounts with real money deposits and virtual currency accounts, so it is not limited to real bank accounts.

Now, the account for the remittance of the service provider of each country is ready for the remittance to the recipients within the country. At this time, a check step S50 may be further performed to compare the total amount to be remitted to the remittance accounts with the current amount of money for the remittance account of the service subject for each country.

When the service subject executes the remittance program, a step S60 of allocating a remittance amount for each remittance to the specific remittance recipients to be remitted from the remittance account of the service entity using the remittance account information and remittance amount information of each country of the server, And each recipient can confirm and withdraw the transfer details (S70) and use it.

In the above-mentioned case, the step of exchanging the virtual currency with the amount required for the net movement of the funds to generate the transfer effect between the respective currency zones in the form of virtual currency is performed by: The virtual money is transferred to a currency having a minus value to be remitted by the service subject through the network and the virtual currency is exchanged into the currency in the currency. The present invention is not limited to this.

That is, the step of exchanging the virtual currency with the amount required for the net movement to generate the effect of remittance between the respective currencies in the form of a virtual currency may be carried out substantially if the virtual money or each currency is sufficiently secured in the integrated account of the service principal It may be done at the same time.

For example, a currency (first country) in which the amount to be remitted is a flat (+) currency is exchanged into a virtual currency, and the amount of money to be remitted is minus (- The virtual currency held by the service subject can be converted into the corresponding currency (second currency). In this case, various currencies and virtual currencies possessed by the service subject can be increased or decreased in the same service entity or in the integrated account, and mutual exchange can be maintained and adjusted according to the necessity or judgment of the service subject. These activities can be performed automatically by the control program included in the server of the service subject, and the point of mutual exchange may not be always simultaneous, but may be manually or automatically selected to find the appropriate time.

In the above embodiments, the method of exchange and remittance between the first station and the second station is mainly described, but the method of the present invention can be extended to a plurality of countries as a matter of course.

For example, all the remittance requests of the remitter are collected for each country for a certain period, the remittance amount is received, the accumulated amount of the remittance request is confirmed in the remittance account of each country at the end of the term, and the remittance request information In countries where the difference (the difference between the cumulative amount of the remittance request and the cumulative amount of the remittance) is a positive value, a virtual currency exchange is carried out to determine the amount of remittance The service principal collects the sent virtual currency, distributes it according to the amount in the country where the difference is negative, and transfers the virtual currency to the corresponding currency in the corresponding country. As a result, In the account for the country's remittance, and send the amount of the account for remittance from the recipient account It may be a way to match the remittance by distributing money.

2 to 4 are diagrams for explaining a more specific embodiment of the present invention. Fig. 2 is a schematic flow chart showing the flow of each step of an embodiment of the present invention. FIG. 3 is an explanatory diagram for explaining the concept of processing in a state where mutual direction remittance occurs when assuming a two-country system in this embodiment, and FIG. 4 is a flowchart illustrating the flow of each step of an embodiment of the present invention. In a schematic flow chart, the two-way flow for the entire remittance is considered together.

Referring to FIG. 2, an individual remittance is an action that a sender must perform, in which a remittance request step (1) and a deposit step (2) are performed, and a payment confirmation step (3), a transaction step (4) The completion step 5 and the remittance step 6 are performed and the numeric value confirmation step 7 or the withdrawal step is performed as an action to be performed by the remittee.

The details of the remittance request step (1) are as follows. First, the remitter accesses the service subject web site using a service PC, a mobile phone, a tablet PC, etc., and logs in after membership. Next, the remittance-related information such as the requested amount of remittance, the name of the remitter, the remittance account, such as bank or paypal account, and remittance purpose, is input. Then, after inputting the information, click the remittance request button on the site to complete the remittance request. At this time, for the next step, the remittance step, the bank account of the service subject presented by the service subject site (account for the first country remittance) and the amount of the first country currency to be deposited must be confirmed.

In the depositing step (2), the money is deposited as the requested currency in the remittance account of the service subject identified above.

In the deposit confirmation step (3), first, the service principal checks the remitter (remitter) and the amount of money deposited in the account for remittance. At this time, it is also possible to use a program for automatically recording the depositor and deposit amount information recorded in the account for remittance of the service subject transfer to the service subject server computer.

And, assuming that the deposit amount includes the service fee of the service subject, it is possible to transfer the corresponding amount of the fee, for example 1% of the remittance amount, to the integrated account of the service subject by calculating the sales amount.

Although not shown in FIG. 2, this process is performed for all of the remittance requests of the respective countries (the first and second countries in this embodiment) for a certain period of time, and is collectively collected for each country.

Then, the first country and the second country (the country where the recipient is located) are matched with the amount requested for remittance. At this time, the matching is performed on the fee limitation amount in the account for remittance of each service provider, and the difference is calculated through this.

Then, the matched amount, that is, the amount of money equal to each other is charged in the service principal purse of the virtual currency (encrypted currency) exchange by purposing the difference that has not been matched with the account for remittance of the service subject.

For example, the cumulative amount of the remittance request transferred from the country's remitter to the remittance account of each country, and the cumulative amount of the remittance, which is the amount to be remitted to the remembrance recipients in the country, is checked by the server computer record and sent from the first country to the second country If the amount of remittance is more than the amount of remittance from the account of the first country remittance to the wallet of the first country exchange.

3, it is assumed that country X is assumed to be Korea and country Y is assumed to be the United States, and in a certain period of time, the remitter A is paid 1,200,000 won in country X Recipient A 'in country Y, the sender B in country X sends 8,000,000 won to recipient B' in country Y, and the recipient C in country Y sends $ 1,5000 to recipient C 'in country X . In addition, the exchange rate will be calculated at 1000 won per US dollar.

If this amount is a pure remittance amount deducted from the fee, or if the fee is not applicable because there is no separate fee, country X has a remittance account of KRW 2,000,000 and a remittance amount of KRW 1,500,000 . In State Y, there is $ 1,500 in the transfer account and $ 2,000 in remittances to the recipient.

Therefore, the unmatched amount in country X, that is, the remaining amount of 500,000 won, will be charged to the purse of the service provider of the virtual currency exchange of country X. [

If you think that the above amount is the deposit amount including the commission, not the transfer request amount, and the commission rate is 1%, the remittance amount will be the amount deducted 1% each from the deposit amount. Therefore, in country X, there is 2,000,000 won in the account for remittance and 1,485,000 won is required for the remittance to the addressee. In State Y, there is $ 1,500 in the transfer account and $ 1,980 is required for the remittance to the addressee.

Then the transaction step (4) is followed. At this stage, it is possible to conduct transactions using the automatic selling price automatic sorting function and the automatic sorting function in the virtual currency exchange, and each exchange API and quick sort technique can be used.

Here, in the previous deposit confirmation step (3), the virtual money is automatically bought at the optimum price as much as the value of the amount charged to the exchange purse. In other words, the first exchange will buy the virtual currency in the difference amount, and the API and the sorting algorithm of the first country virtual currency exchange are used.

Then, the virtual currency bought from the first station is transmitted to the counterparty cryptographic exchange. In this transmission, the application program of the service principal may be used. The service entity sells the virtual money transmitted to the counterparty cryptographic exchange at the optimal price, and the API and the sorting algorithm technique of the second country virtual currency exchange may be used at this time.

In the transaction completion step (5) next to the transaction step (4), the amount sold from the virtual money exchange is deposited into the account for remittance to the partner country (recipient country) of the service subject. The amount deposited here can also be automatically recorded on the server computer of the service subject.

In this state, the amount in the remittance account of each country is confirmed, and at the same time, the balance of the remittance amount of the remittance country and the remittance station is confirmed. If the exchange rate loss due to the time difference in the process of conversion to virtual currency or other possible loss of the range is not reached in the transfer account of the recipient of the country in the transfer account in one country, A further process can be done to fill in a portion of the second national currency into the second country remittance account.

In the case of a specific example of a loss handling method in the process of converting to a virtual currency, the service entity first provides the amount of money required for the first remittance request by the sender, and if the remittance is made for a certain period of time, The amount of money can be guaranteed. For example, you can guarantee the amount for one hour, and if the deposit can not be made within one hour, you can notify the amount based on the newly applied exchange rate.

In addition, the profit or loss that occurs when exchanging / exchanging virtual currency can be regarded as having a risk of the service subject. The risk that may arise during the transaction may be the hedging method of 'reverse trading'. For example, if a remitter requests a remittance of 1 million won at 20:00, the remittee will present a remittance of 920USD. At 20:30, the remitter will deposit 1 million won into a remittance account for the service, The service provider purchased a beat coin of 999,000 won (30 units) by trading at 990,000 won deducted from the commission of 1 million won by the service provider and sent the purchased bit coin to the counterparty exchange, You can sell 30 pieces and receive the sale amount of 900USD.

The way in which this process is carried out at the same time is the opposite transaction method. That is, when buying a bit coin worth W990,000, it will short sell a bit coin worth W990,000 at the same time, and buy a bit coin that was sold short when 30 coins are sold at the counterparty exchange. In this case, even if a loss occurs in the other country, since the first country gains profits, it becomes possible to hedge the risk of the virtual currency transaction.

However, the hedging method is not limited to this method, but the method of short selling in the relevant country and repurchasing in the relevant country, short selling in the relevant country, buying in the other country, buying in the other country, And can be selected and used in the most appropriate manner among them.

In the next step, the remittance step (6), in the remittance account of the second country, the second account requested by the first remittant to the remittee account entered by the first remittance person (for example, the account of the second country bank or PayPal account of the remitter) The amount of the national currency will be remitted. This step is mentioned here mainly on the remittance flow from the first country to the second country, but of course it will be done in each country, so the same goes for the first country.

In the receipt amount confirmation step (7) or the withdrawal step, the recipient of the second country checks the amount remitted to his or her account in the second country, and withdraws it if necessary.

4, the remitter A accesses the site of the service subject and requests remittance of the remittance amount of 1,200,000 KRW to the remittee A 'in the steps X1 and Y1, and remittant B Accesses the site of the service provider and requests the remittance of the remittance amount 800,000 won to the remittee B '. Then, the remitter C accesses the service site of the service subject and requests the remitter C 'for the remittance of USD 1,500.

In step X2 and Y2, the remitter A deposits 1,200,000 won into the bank account of the state X (Korea) of the service subject, the remitter B deposits 800,000 won into the bank account of the state X of the service entity, Deposit US $ 1,500 into your national Y (US) bank account.

In step X3 and Y3, the service principal confirms the total amount of KRW 2,000,000, including the amount of KRW 1,200,000 and KRW 800,000 deposited in the remittance account of the State X (Republic of Korea)

The deposit information such as the depositor name and the deposit amount is automatically stored in the service subject server.

The total of 20,000, which is a sum of 12,000 won for the commission of 12,000 won and 800,000 won for the commission of 8,000 won, is calculated as the sales of the service provider and transferred to the service account integration account.

The service entity confirms the deposit amount of US $ 1,500 deposited in the account for the national Y (USA) remittance, and the deposit information such as the depositor name and the deposit amount is automatically stored in the server of the service principal. The total amount requested for remittance from State X (Republic of Korea) to State Y (United States), the limit of which is 1,980,000 KRW, and the total amount requested for remittance from State Y (United States) to State X (Republic of Korea) US dollars are matched by applying the exchange rate (USD 1 = KRW 1,000) at that time. At this time, 1,485,000 won for each remittance account and 1,485US dollars are matched.

The matched amount is kept in each remittance account of the service principal, and the difference of the remittance account of country X, which is not matched, is charged to the virtual currency exchange of country X at 495,000 won.

In X4 and Y4, the best selling price is automatically searched and classified automatically at the virtual currency exchange of country X, and the virtual currency corresponding to 495,000 won is bought at the optimal price.

In addition, the system automatically transmits the virtual currency corresponding to the value of 495,000 won already purchased from the country X to the virtual currency exchange with the counterparty, and transmits the virtual currency to the counter currency virtual currency exchange Sell the virtual currency that arrives at the optimal price. In this case, the selling price of the virtual currency is set at US $ 495.

In step X5 and step Y5, the amount sold from the virtual currency exchange in the country Y (the exchange located in the United States of America) is transferred to the account for remittance in the country Y of the service provider, and the amount deposited in the account for remittance to the service provider is automatically Lt; / RTI > It is confirmed that KRW 1,485,000 is left in the account for remittance of State X of the service entity and the remittance account of State Y is transferred to US account of the service subject through the existing USD 1,485 USD and X4 and Y4 steps Make sure that US $ 1,980 plus US $ 495 remains in your balance.

In step X6 and Y6, 1,485,000 KRW in the account for the transfer of the state X of the service provider is remitted to the recipient C ', and 1,980 US dollars in the remittance account of the country Y are paid to the recipient A' 1,188 US dollars, the recipient B 'To US $ 792 each.

In steps X7 and Y7, recipients A 'and B' respectively confirm the amount of 1,188 US dollars and 792 US dollars deposited in their respective accounts (the accounts entered by the remitter A and B in the remittance request), and the recipient C ' You will check the amount of money deposited in the account (the account that the remitter C wrote when requesting the remittance) for 1,485,000 KRW.

In the above, it is assumed that the service subject has a service system in each country, a wallet of a virtual currency exchange, a bank transfer account, and an integrated account, but the service subject is a single person or a corporation It does not have to exist. For example, a service provider of a first country can form a network of service providers to form a single service provider described above through cooperation with existing companies of a second country. It is also possible to form a common account of the integrated subject name. In addition, when the Internet is used, it is also possible to operate the integrated server, and to handle all the tasks in the online system, without having separate offices for each country.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be construed as limiting the scope of the invention as defined by the appended claims. .

Claims

A remittance request and deposit step in which the service entity collects a remittance request of a remitter for a certain period of time,
A matching step of calculating a moving amount, which is an amount required for a net movement in each of the coverage areas according to a request for remittance at a time when the service subject completes the predetermined period,
A virtual currency exchange and transmission step in which a service subject exchanges with virtual money by an amount required for net movement and transmits the virtual money in a form of virtual money,
And a remittance step of allocating a total amount to be remitted to each service area by the service subject for each amount of remittance and performing remittance.

The method according to claim 1,
In the remitting and depositing step, the sender informs the service subject of the amount to be remitted by the remitter, which is the remitter's national currency amount, which the remitter wishes to deliver to the remittee, and the service principal remembers the remitter And a detailed step of presenting the remittance request amount, which is the national currency amount of the remittance to be deposited, is performed.

The method according to claim 1,
In the matching step, in the remitting request and the depositing step, the cumulative amount of the remittance collected (cumulative amount of the remittance amount) and the accumulated amount of the remittance request (the cumulative amount of the remittance request amount) collected for the predetermined period And the difference amount is calculated as the moving amount.

The method of claim 3,
The virtual currency exchange and transmission step
The corresponding country corresponding to a case where the difference amount is a positive value, a detail step of exchanging the local currency and the virtual currency at the virtual currency exchange to obtain the virtual currency corresponding to the difference,
The corresponding country corresponding to a case where the difference is a negative value, a detailed step of exchanging virtual money and local currency at a virtual currency exchange to obtain local currency equivalent to the difference,
And dividing the obtained virtual currency to a corresponding station when the difference is a negative value, and transmitting the divided virtual currency to the corresponding station.

5. The method of claim 4,
Following the detailed step of obtaining the virtual currency
The detailed steps of distributing and transmitting are performed,
And then a detailed step of acquiring the local currency is performed.

6. The method according to claim 1 or 5,
The virtual money exchange and transmission step and the remittance step compare the cumulative amount to be remitted to the remittance account for each country with the presently held amount and if there is a difference in the amount of the remittance, Further comprising the steps of:

The method of claim 3,
In the matching step, in the remitting request and the depositing step, the cumulative amount of the remittance collected (cumulative amount of the remittance amount) and the accumulated amount of the remittance request (the cumulative amount of the remittance request amount) collected for the predetermined period It shall be confirmed, together with all other countries,
And calculating the moving amount for all other stations in the operation of calculating the difference amount as the moving amount.

The method of claim 3,
In the virtual currency exchange and transmission step
And hedging by an opposite transaction is performed.

Wherein the exchange and transfer between the heterogeneous currencies are performed through the virtual currency.