KR20180007467A - Method for providing remittance sevice and user device and remittance relay server for performing the method - Google Patents

Abstract

A transfer service providing method, and a user terminal and a transfer relay server performing the same are shown. The transfer service providing method performed by a domestic remitter terminal includes the steps of: receiving a remittance amount to be remitted and reception information about an overseas receiver by using a foreign currency transfer service; transmitting remittance information including the remittance amount and the reception information to a domestic transfer relay server providing the foreign currency transfer service; and displaying a result of subtracting online money of the remitter corresponding to the remittance amount in the domestic transfer relay server. Accordingly, the present invention can effectively reduce commissions.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method of providing a transfer service, a user terminal performing the method, and a relay server using the method,

The following description relates to a method of providing a transfer service and a user terminal performing the method and a transfer server, and more particularly, to a method and system for transferring money from a remitter in a first country to a remitter in a second country .

There are cases where funds are transferred from overseas to overseas, or from abroad to abroad. In this case, funds are transferred in various ways. For example, if a visitor who visits the country from abroad exchanges money and consumes money in the country, he / she can transfer remittances, such as when he / she sends money abroad, And when funds are purchased and remitted overseas, the funds are transferred in various ways from one country to another.

A common way to transfer money from one country to another is to pay the bank fees, such as transfer fees, foreign commissions, commissions, and collection fees, and to transfer money to other banks overseas. However, such a large amount of fees is a great burden to the users, and a method for reducing such fees is required.

The present invention utilizes the characteristic of 'online money' to process various remittances from domestic to overseas or from abroad to domestic at a time, thereby minimizing the movement of funds between countries and effectively reducing commissions generated when remitting money to other countries.

The present invention makes it possible to simply and efficiently transfer money to other countries by utilizing the friendship in prepaid online money and message service.

According to the present invention, remittance to another country is performed by using the charged online money based on the amount of money received from the bank account of the remitter, so that the remitter can perform remittance to other countries without being limited to which bank the account has. have.

By utilizing the online money, the present invention can receive a remittance from another country without being restricted to which bank the recipient has an account with.

According to an embodiment of the present invention, there is provided a method of providing a transfer service performed by a domestic remitter terminal, the method comprising: receiving remittance amounts to be remitted using a foreign currency transfer service; Transferring remittance information including the remittance amount and the receipt information to a domestic transfer relay server providing the foreign currency transfer service; And displaying the result of subtracting the online money of the remitter corresponding to the remittance amount from the domestic transfer relay server.

In the method of providing a transfer service according to an exemplary embodiment, the step of receiving the remittance amount and the receipt information includes receiving the same service as the foreign currency transfer service provided by the domestic transfer server, from a foreign transfer relay server Wherein when the message service provided by the domestic transfer relay server is used, users who have established a friendship relationship with the remitter in the message service are displayed, and when receiving a selection for one of the displayed users, Can be input.

In the method of providing a transfer service according to an embodiment of the present invention, the step of receiving the remittance amount and the receipt information includes the steps of: receiving a foreign currency transfer service of a foreign transfer relay server provided to an overseas remittee terminal, The receiving information can be input by receiving the information necessary for performing the remittance to the remittee.

A method of providing a transfer service according to an exemplary embodiment of the present invention includes receiving a selection of a currency of a remittance from the remitter, and requesting a transfer rate confirmation of the input currency to the domestic transfer relay server; And displaying the exchange amount by converting the remittance amount according to the exchange rate of the currency received from the domestic transfer relay server.

In the method of providing a transfer service according to an exemplary embodiment, the remitter's online money may be charged based on an amount transferred from a bank account of the remitter to a bank account of the domestic transfer relay server.

In the transfer service providing method according to an embodiment, the remittance amount is transferred to a bank account of a foreign transfer relay server providing foreign currency transfer service from a bank account of the domestic transfer relay server to an overseas remittee terminal based on the transfer information And the remittance money of the remittee corresponding to the remittance amount may be charged to the foreign transfer relay server or the remittance amount may be remitted to the remittee's bank account.

In a method of providing a transfer service according to an exemplary embodiment, the recipient terminal may receive the same service as the foreign currency transfer service provided by the domestic transfer relay server from a foreign transfer relay server and provide a message service provided by the domestic transfer relay server The transfer money of the remittee corresponding to the remittance amount is charged to the foreign transfer relay server in the foreign country and the foreign currency transfer service of the foreign transfer relay server provided to the remittee terminal is charged to the foreign exchange relay server provided in the domestic transfer relay server If the payment amount differs from the transfer service, the remittance amount may be transferred to the recipient's bank account.

A method of providing a transfer service performed by a domestic transfer relay server providing a foreign currency transfer service according to an embodiment of the present invention includes transferring remittance information including receipt information and remittance amount for a remittee to a foreign remitter from a domestic remitter terminal using the foreign currency transfer service Receiving; Subtracting the online money of the remitter corresponding to the remittance amount, and transmitting the deducted result to the remitter terminal; And transferring the remittance information to an overseas transfer relay server providing a foreign currency transfer service to a remittee terminal at an overseas location.

In the method of providing a transfer service according to an embodiment, the received information is used by the remittee terminal using the same service as the foreign currency transfer service provided by the domestic transfer server via the transfer server of the foreign country, In the case of using the message service provided by the server, one of the users who have established a friend relationship with the remitter in the message service may be selected as the remittee in the remitter terminal.

In the method of providing a transfer service according to an embodiment, when the foreign currency transfer service of the foreign transfer relay server provided to the remittee terminal is different from the foreign currency transfer service provided by the domestic transfer relay server, And may include information necessary to perform the remittance to the remittee entered in.

In the method of providing a transfer service according to an exemplary embodiment, the remitter's online money may be charged based on an amount transferred from a bank account of the remitter to a bank account of the domestic transfer relay server.

In the transfer service providing method according to an embodiment, the remittance amount is transferred from a bank account of the domestic transfer relay server to a bank account of the foreign transfer relay server, and the remittance money of the remittee corresponding to the remittance amount is transferred to the overseas Or the remittance amount may be remitted to the recipient's bank account.

The method of providing a transfer service performed by a foreign transfer relay server providing a foreign currency transfer service according to an embodiment includes receiving information and remittance amount for a recipient from a domestic transfer relay server providing a foreign currency transfer service to a domestic remitter terminal Receiving remittance information to be transmitted; And charging the online money of the remitter corresponding to the remittance amount or requesting remittance of the remittance amount to the remitter's bank account, and delivering the processing result to the remittee terminal.

A method of providing a transfer service performed by a foreign remitter terminal according to an exemplary embodiment of the present invention includes receiving a remittance amount to be remitted using a foreign currency transfer service and receipt information for a domestic remittee; Transferring remittance information including the remittance amount and the receipt information to an overseas transfer relay server providing the foreign currency transfer service; And displaying the result of subtracting the online money of the remitter corresponding to the remittance from the foreign transfer relay server.

In the method for providing a transfer service according to an embodiment, the step of receiving the remittance amount and the receipt information may include receiving the same service as the foreign currency transfer service provided by the domestic transfer server, from the foreign transfer relay server, The method comprising: displaying users who have a friend relationship with the remitter in the message service when using a message service provided by a domestic transfer relay server, receiving a selection for one of the displayed users, Input can be received.

The method for providing a transfer service performed by a domestic transfer relay server providing a foreign currency transfer service according to an embodiment includes receiving information and transfer amount for a recipient from a foreign transfer relay server providing a foreign currency transfer service to an overseas remitter terminal Receiving remittance information to be transmitted; And charging the payee's online money corresponding to the remittance.

The step of charging the remittee's online money corresponding to the amount of remittance in the method of providing a transfer service according to an exemplary embodiment is characterized in that the foreign currency transfer service of the foreign transfer relay server is different from the foreign currency transfer service provided by the domestic transfer relay server , It is possible to request confirmation of the received information from the remittee terminal and charge the remittee's online money based on confirmation of the remittance information of the remittee terminal.

A method of providing a transfer service performed by a foreign transfer relay server providing a foreign currency transfer service according to an embodiment of the present invention includes transferring remittance information including receipt information and remittance amount to a domestic remittee from an overseas remitter terminal using the foreign currency transfer service Receiving; Requesting withdrawal of the amount of the remittance from the bank account of the remitter or transferring the processing result to the remitter terminal, subtracting the remittance money of the remitter corresponding to the remittance amount; And remitting the remittance to a general account of a domestic transfer relay server providing a foreign currency transfer service from a general account of the foreign transfer relay server to a domestic remittee terminal.

According to one embodiment, by utilizing the characteristic of 'online money', various remittances from domestic to overseas or from abroad to domestic are processed at one time, thereby minimizing the transfer of funds between the countries and effectively reducing the fees incurred in remitting money to other countries .

According to one embodiment, remittance to other countries can be carried out simply and effectively by utilizing the friendship in prepaid online money and message service.

According to one embodiment, remittance to another country is performed using the charged online money based on the amount of money received from the bank account of the remitter, so that the remitter can not transfer the remittance to another country without being limited to which bank the account has. Can be performed.

According to one embodiment, by utilizing the online money, it is possible to receive a remittance from another country without being restricted to which bank the recipient has an account with.

1 is a diagram illustrating an example in which a domestic remitter sends remittance to a remittee overseas, according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an example in which a remitter overseas sends remittance to a domestic remitter according to an embodiment.
FIG. 3 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in a foreign country according to an embodiment of the present invention.
FIG. 4 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in another country according to another embodiment.
FIG. 5 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in another country according to another embodiment.
FIG. 6 is a diagram for explaining a process of remitting an overseas remitter to a domestic remitter according to an embodiment.
FIG. 7 is a diagram for explaining a process of remitting an overseas remitter to a domestic remittee according to another embodiment.
FIG. 8 is a diagram illustrating a process of remitting a remitter in a first country to a remittee in a second country according to an embodiment of the present invention.
9 is a diagram for explaining an interface for selecting a call from a remitter terminal and inputting a remittance amount according to an embodiment.
10 is a diagram illustrating an interface for selecting a remittee and inputting a password in the remitter terminal according to an embodiment.

Specific structural or functional descriptions of embodiments are set forth for illustration purposes only and may be embodied with various changes and modifications. Accordingly, the embodiments are not intended to be limited to the particular forms disclosed, and the scope of the disclosure includes changes, equivalents, or alternatives included in the technical idea.

The terms first or second, etc. may be used to describe various elements, but such terms should be interpreted solely for the purpose of distinguishing one element from another. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected or connected to the other element, although other elements may be present in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises ", or" having ", and the like, are used to specify one or more of the described features, numbers, steps, operations, elements, But do not preclude the presence or addition of steps, operations, elements, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

The embodiments described below can be used to remit money from abroad or remotely from abroad. Embodiments may be implemented in a variety of products, including smart phones, wearable devices, tablet computers, laptop computers, personal computers, smart home appliances, and intelligent automobiles. For example, the embodiments can be applied to remotely remotely remotely in domestic or overseas countries such as smart phones, mobile devices, and smart wearable devices. Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a diagram illustrating an example in which a domestic remitter sends remittance to a remittee overseas, according to an embodiment of the present invention.

Referring to FIG. 1, a remitter terminal 110, a domestic transfer relay server 120, a foreign transfer relay server 130, and a remitter terminal 140 are illustrated.

The remitter terminal 110 means a terminal carried by a remitter who wants to remit money to a remittee overseas, and the remitter is located in the country. The remitter terminal 110 can remit money to a remittee overseas using the foreign currency transfer service provided by the domestic transfer relay server 120. At this time, the remitter terminal 110 can remit money to the remittee overseas using the online money charged in the domestic money transfer server 120.

The domestic transfer relay server 120 means a server for providing a foreign currency transfer service to the remitter terminal 110. At this time, the corresponding server is located in the country. The domestic transfer relay server 120 can charge or deduct the online money of the remitter.

Online money is a virtual currency with a certain monetary value that is paid by a transit relay server and is provided by the transit relay server, and is distinguished from the amount included in the bank account.

The remitter's online money may be charged based on the amount remitted to the bank account of the domestic transfer server 120 from the bank account of the remitter. For example, if the online money has the same value as the common currency common in the domestic market, the online money of the remitter of the amount of money remitted from the bank account of the remitter to the domestic transfer server 120 is transferred to the domestic transfer server 120, respectively.

Here, the bank account of the domestic transfer relay server 120 may mean one or more bank accounts owned by the operator who operates the domestic transfer relay server 120.

In addition, the domestic transfer relay server 120 may provide a message service to the remitter terminal 110. The message service refers to a service capable of exchanging instant messages between users who use the service, and the instant message may include various texts, images, moving pictures, and audio data to be transmitted to other users. The domestic transfer relay server 120 can transfer the progress of the foreign currency transfer service requested by the remitter terminal 110 to the remitter terminal 110 using the message service.

The recipient terminal 140 means a terminal carried by a recipient who receives a remittance from a domestic remitter, and the recipient is located abroad. The remittee terminal 140 can receive the remittance from the domestic remitter through the foreign currency transfer service provided by the foreign transfer relay server 130. [

The remittee terminal 140 can receive various services including the foreign currency transfer service from the foreign exchange relay server 130. [

For example, the remittee terminal 140 may receive the same service as the foreign currency transfer service provided by the domestic transfer server 120 from the foreign transfer relay server 130 and provide a message service provided by the domestic transfer relay server 120 Can be used. That is, the foreign transfer relay server 130 may be a server operated by a foreign corporation established overseas by a domestic corporation that operates a domestic transfer relay server 120. In this case, the remitter and the remittee may be users who have established a friend relationship on the message service, and in this case, the remitter can simply input the remittance information for the remittee by selecting the remittee from the buddy list displayed on the remitter terminal 110.

The recipient terminal 140 uses the message service provided by the domestic transfer relay server 120 while the foreign exchange transfer service of the domestic transfer relay server 120 and the foreign currency transfer service of the foreign transfer relay server 130 There may be cases where the transfer services are different from each other. That is, it may mean that only the message service provided by the domestic relay server 120 is provided in the foreign country. At this time, the remittee terminal 140 can receive the process of the foreign currency transfer service through the message service.

As another example, if the foreign currency transfer service of the foreign transfer relay server 130 used by the remittee terminal 140 is different from the foreign currency transfer service provided by the domestic transfer relay server 120 and the foreign exchange transfer service used by the remittee terminal 140 There may be a case where the message service differs from the message service provided by the domestic transfer relay server 120. That is, it may mean that the foreign exchange transfer service or the message service provided by the domestic transfer server 120 is not provided overseas. At this time, the remittee terminal 140 can receive the proceeding process of the foreign currency transfer service through the message service used by the remittee terminal 140 itself.

FIG. 2 is a diagram illustrating an example in which a remitter overseas sends remittance to a domestic remitter according to an embodiment.

Referring to FIG. 2, a remitter terminal 210, a foreign transfer relay server 220, a foreign transfer relay server 230, and a remitter terminal 240 are shown.

Unlike the case of FIG. 1, in FIG. 2, the remitter terminal 210 is located overseas, and the remitter terminal 240 is located in the country.

That is, the remitter terminal 210 refers to a terminal carried by a remitter who wants to remit money to a domestic remitter, and is provided with a foreign currency transfer service from a foreign money relay server 220.

The foreign currency transfer service provided by the remitter terminal 210 from the foreign transfer relay server 220 can be divided into two cases as described below.

For example, the remitter terminal 210 receives the same service as the foreign currency transfer service provided by the domestic transfer relay server 230 through the foreign transfer relay server 220, Message service can be used. That is, the foreign transfer relay server 220 may refer to a server operated by an overseas subsidiary established abroad by a domestic corporation that operates a domestic transfer relay server 230. At this time, the remitter and remittee may be users who have formed a friend relationship on the message service, and in this case, the remitter can simply input the remittance information for the remittee by selecting the remittee from the friend list displayed on the remitter terminal 210. In addition, the remitter can remit money to the remittee in the country using the online money charged in the foreign transfer relay server 220.

For example, when the foreign currency transfer service of the foreign transfer relay server 220 used by the remitter terminal 210 is different from the foreign currency transfer service provided by the domestic transfer relay server 230 and the message used by the remitter terminal 210 There may be a case where the service is different from the message service provided by the domestic transfer relay server 230. That is, it may mean that the foreign exchange transfer service or the message service provided by the domestic transfer relay server 230 is not provided overseas. At this time, the remitter terminal 210 can receive the progress of the foreign currency transfer service through the message service used by the remitter terminal 210.

The remittee terminal 240 refers to a terminal carried by a remitter who receives a remittance from a remitter overseas, and receives a foreign currency transfer service from the domestic remittance relay server 230.

FIG. 3 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in a foreign country according to an embodiment of the present invention.

3, when the foreign receiver terminal 140 receives the same service as the foreign currency transfer service provided by the domestic transfer server 120 from the foreign transfer relay server 130, In the case of using the provided message service, a process in which a domestic remitter performs a remittance to a remittee overseas is shown. At this time, the remitter and remittee may be users who have formed a friendship relationship on the message service.

The remitter can input information (hereinafter referred to as remitter information) about the remitter requesting remittance before remitting to the remittee overseas. For example, the sender information may include the name of the sender (including the gender), the residence address, the contact information, and the name verification information. The remitter information does not need to be input every time a remittance is requested, and once the remitter has entered the remitter terminal 110 once, the remitter information can be remitted using the inputted remitter information. The inputted remitter information is transmitted to the domestic transfer relay server 120 and can be used for remittance to the remittee of overseas.

In step 301, the remitter terminal 110 receives a selection of a currency from a remitter and receives a remittance amount. The remitter terminal 110 displays one or more currencies available in the foreign currency transfer service through the display and can select any one of the currencies displayed from the remitter. In addition, the remitter terminal 110 displays a virtual keypad and receives a remittance amount through the virtual keypad. Alternatively, the remitter terminal 110 may display examples of remittance amounts, and may select any one of remittances indicated from the remitter.

In step 302, the remitter terminal 110 can request exchange rate confirmation to the domestic transfer relay server 120. The remitter terminal 110 may request confirmation of the exchange rate of the currency selected in step 301. [ At this time, exchange rate confirmation may be requested considering the country where the sender is located. For example, if a remitter located in Korea chooses a dollar (USD), the remitter terminal 110 may request confirmation of the exchange rate of the dollar (USD) for the Korean won (KRW). Alternatively, the remitter terminal 110 may request exchange rate confirmation based on the country where the recipient is located. For example, when a remitter located in Korea wants to remit money to a remitter located in the United States, the remitter terminal 110 requests the exchange rate of USD (USD) for KRW, even if KRW is selected by the remitter .

In step 303, the domestic transfer relay server 120 can confirm the exchange rate based on the request transmitted in step 302. [ The domestic transfer relay server 120 can receive the exchange rate information from the financial information server in real time and confirm the requested exchange rate.

In step 304, the domestic transfer relay server 120 can forward the checked exchange rate to the remitter terminal 110. [ Alternatively, the domestic transfer relay server 120 can determine the final exchange rate by adding the spread to the confirmed exchange rate, and deliver the determined final exchange rate to the remitter terminal 110.

In step 305, the remitter terminal 110 may convert the remittance amount according to the exchange rate of the currency received from the domestic transfer relay server 120 to display the exchange amount. For example, when a remitter located in a country remittances to a remitter located overseas, if the remitter chooses a domestic currency as a currency, the remittance amount of the domestic currency is converted according to the exchange rate to display the amount of remittable foreign currency, If the currency is selected, the amount of remittance in foreign currency can be converted according to the exchange rate to display the domestic amount necessary for remittance. At this time, if the sender does not have enough online money corresponding to the domestic amount necessary for remittance, the remitter can remit the insufficient online money by sending the insufficient amount to the domestic transfer server 120 from his or her bank account .

At step 306, the remitter terminal 110 may receive a selection from the remitter for the remittee. The remitter terminal 110 can display users who have a friend relationship with the remitter in the message service, and can receive a selection of any one of the displayed users. As the selection for the recipient is entered, the recipient information for the recipient can be simply determined. Here, the receipt information may be information necessary for performing remittance to a remitter overseas, for example, remittee identification information capable of identifying the remittee on the message service.

In some cases, the remitter and the recipient may be users who use the same message service but do not have a friendship relationship on the message service. In this case, the remitter can select the recipient by entering recipient identification information (e.g., recipient ID on the message service) that can identify the recipient on the message service.

In step 307, the remitter terminal 110 may receive a password from the remitter. A password registered in the domestic transfer relay server 120 may be required to transfer money to the remittee overseas by using the online money of the remitter charged in the domestic transfer server 120. [ The password is information for verifying whether or not the remittance is requested from a legitimate user, and may include at least one number, letters, special symbols, or may include biometric information such as fingerprints and voice.

Also, in some cases, a receipt password may be set separately to prevent the remittance of remitted money from being transferred to the wrong overseas recipient. Only when the recipient of the foreign country correctly inputs the preset receipt password, the recipient can receive or withdraw the remittance amount. Such a receiving password may be set by a remitter or set by a domestic transfer relay server 120 or a foreign transfer relay server 130, and the set receipt password may be transmitted to the remittee terminal 140.

Depending on the embodiment, there may be cases where a password is not required, in which case step 307 is omitted.

In step 308, the remitter terminal 110 may transmit the remittance information including the remittance amount and the receipt information to the domestic transfer relay server 120. [ At this time, the remitter terminal 110 may transmit the password input in step 307 together with the remittance information.

In step 309, the domestic transfer relay server 120 may subtract the online money of the remitter corresponding to the remittance amount. The domestic transfer relay server 120 may transmit the online money deduction result of the remitter to the remitter terminal 110. [ If the online money of the remitter corresponding to the remittance amount is not charged in the domestic transfer relay server 120, the domestic transfer relay server 120 transmits a message that the remitter's online money is insufficient to the remitter terminal 110 Which may lead to a shortage of online money.

If the password is received together with the password from the remitter terminal 110, the domestic transfer relay server 120 checks whether the received password matches the password previously stored in the domestic transfer relay server 120, You can verify that the request was made from a legitimate user. If the password received from the remitter terminal 110 matches the previously stored password, the domestic transfer relay server 120 determines that the remittance has been requested by a legitimate user and can proceed the remittance. On the other hand, when the password received from the remitter terminal 110 does not match the previously stored password, the domestic transfer relay server 120 judges that the remittance has not been requested by a legitimate user, You can request a password re-entry.

In step 310, the domestic transfer relay server 120 may transfer the transfer information to the foreign transfer relay server 130 in the foreign country. At this time, the domestic transfer relay server 120 may convert the remittance information into a special form and then transfer the transfer information to the foreign transfer relay server 130 through the financial information server.

In step 311, the domestic transfer relay server 120 may transfer the remittance from the bank account of the domestic bank to the bank account of the foreign transfer relay server 130 in the foreign country. Here, the bank account of the domestic transfer relay server 120 means one or more bank accounts owned by the operator who operates the domestic transfer relay server 120, for example, it may be opened at a domestic bank. The bank account of the foreign transfer relay server 130 means one or more bank accounts owned by the operator who operates the foreign transfer relay server 130. For example, at least one of domestic banks and foreign banks In the bank.

At this time, if the bank account of the foreign transfer relay server 130 is opened in a domestic bank, the remittance amount is remitted from one domestic bank account to another bank account, and is not substantially remitted from abroad domestically.

On the contrary, when the bank account of the foreign transfer relay server 130 is not opened in the domestic bank but is opened in the foreign bank, the domestic transfer relay server 120 transmits the remittance to the domestic bank having the account of the foreign bank In this case, the remittance from the domestic to the overseas can be actually performed.

In step 312, the domestic transfer relay server 120 may transmit a message to the foreign transfer relay server 130 that the transfer to the bank account of the foreign transfer relay server 130 is completed. The domestic transfer relay server 120 can convert the transfer completion notification into a professional form and transfer it to the foreign transfer relay server 130 via the financial information server. At this time, the specialist may be also shared with the domestic bank that has actually transferred money to the bank account of the foreign transfer relay server 130 in step 311. The specialization may include a transaction relationship such as a coupon agreement between the remitter and the corporation that operates the domestic transfer server 120.

At step 313, the overseas transfer relay server 130 can charge the recipient's online money corresponding to the remittance amount.

In step 314, the foreign exchange relay server 130 may forward the online money charging result of the remittee to the remittee terminal 140. [ At this time, the overseas transfer relay server 130 may transfer the remittance information to the remittee terminal 140 together.

The remittance completion message indicating that the requested remittance has been completed may be transmitted to the remitter terminal 110 as the result of the online money charging by the remittee is transmitted to the remittee terminal 140. [ For example, the remittance completion message may include various information for informing that the remittance has been completed by receiving the remittance amount by the remittee such as the remittee name, remittance amount, remittee residence country, To the remitter terminal 110 via the Internet.

FIG. 4 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in another country according to another embodiment.

4, the remittee terminal 140 uses the message service provided by the domestic transfer relay server 120 while the foreign exchange transfer service of the domestic transfer server 120 and the foreign transfer relay server 130 of the foreign country, The foreign remittance service of the domestic remittance recipient is different from the foreign remittance service of the foreign remittance recipient.

The remitter can input information (hereinafter referred to as remitter information) about the remitter requesting remittance before remitting to the remittee overseas. For example, the sender information may include the name of the sender (including the gender), the residence address, the contact information, and the name verification information. The remitter information does not need to be input every time a remittance is requested, and once the remitter has entered the remitter terminal 110 once, the remitter information can be remitted using the inputted remitter information. The inputted remitter information is transmitted to the domestic transfer relay server 120 and can be used for remittance to the remittee of overseas.

At step 401, the remitter terminal 110 receives a selection of a currency from a remitter and receives a remittance amount.

In step 402, the remitter terminal 110 can request exchange rate confirmation to the domestic transfer relay server 120. [ The remitter terminal 110 may request confirmation of the exchange rate of the currency selected in step S401.

In step 403, the domestic transfer relay server 120 can confirm the exchange rate based on the request transmitted in step 402. [

In step 404, the domestic transfer relay server 120 can forward the confirmed exchange rate to the remitter terminal 110. [ Alternatively, the domestic transfer relay server 120 can determine the final exchange rate by adding the spread to the confirmed exchange rate, and deliver the determined final exchange rate to the remitter terminal 110.

In step 405, the remitter terminal 110 can display the exchange amount by converting the remittance amount according to the exchange rate of the currency received from the domestic transfer relay server.

In step 406, the remitter terminal 110 can receive receipt information for the remittee from the remitter. The receipt information is information necessary for performing the remittance to the remittee overseas, and may include information for specifying a remittee located overseas. For example, the received information may include a payee name, an address, a real name verification information, a bank, an account number, and the like. Here, the blindness confirmation information may mean blindness confirmation information in the corresponding country where the recipient is located.

The remitter terminal 110 can store the received information inputted from the remitter. If the user wants to transfer money to the same recipient later, it is possible to replace the process of inputting the receipt information by selecting the previously stored receipt information without having to input the receipt information again.

In step 407, the remitter terminal 110 may receive a password from the remitter. Here, the password is information for verifying in the domestic relay server 120 whether the remittance is requested from a legitimate user, and may be composed of at least one number, letters, special symbols or the like, And may include biometric information.

Also, in some cases, a receipt password may be set separately to prevent the remittance of remitted money from being transferred to the wrong overseas recipient. Only when the recipient of the foreign country correctly inputs the preset receipt password, the recipient can receive or withdraw the remittance amount. Such a receiving password may be set by a remitter or set by a domestic transfer relay server 120 or a foreign transfer relay server 130, and the set receipt password may be transmitted to the remittee terminal 140.

If no password is required according to the embodiment, step 407 may be omitted.

In step 408, the remitter terminal 110 may transmit the remittance information including the remittance amount and the receipt information to the domestic transfer relay server 120. [ At this time, the remitter terminal 110 may transmit the password input in step 407 together with the remittance information.

In step 409, the domestic transfer relay server 120 may deduct the online money of the remitter corresponding to the remittance amount. The domestic transfer relay server 120 may transmit the online money deduction result of the remitter to the remitter terminal 110. [

If the password is received together with the password from the remitter terminal 110, the domestic transfer relay server 120 checks whether the received password matches the password previously stored in the domestic transfer relay server 120, You can verify that the request was made from a legitimate user.

In step 410, the domestic transfer relay server 120 may transfer the transfer information to the foreign transfer relay server 130 in the foreign country.

In step 411, the domestic transfer relay server 120 may transfer the remittance from the bank account of the domestic bank to the bank account of the foreign transfer relay server 130 in the foreign country. Here, the bank account of the domestic transfer relay server 120 means one or more bank accounts owned by the operator who operates the domestic transfer relay server 120, for example, it may be opened at a domestic bank. The bank account of the foreign transfer relay server 130 means one or more bank accounts owned by the operator who operates the foreign transfer relay server 130. For example, at least one of domestic banks and foreign banks In the bank.

If the bank account of the overseas transfer server 130 is opened in a domestic bank, the remittance amount is remitted from one domestic bank account to another bank account, and is not substantially remitted from abroad.

On the contrary, when the bank account of the foreign transfer relay server 130 is not opened in the domestic bank but is opened in the foreign bank, the domestic transfer relay server 120 transmits the remittance to the domestic bank having the account of the foreign bank In this case, the remittance from the domestic to the overseas can be actually performed.

In step 412, the domestic transfer relay server 120 may transmit a message to the foreign transfer relay server 130 that the transfer to the bank account of the foreign transfer relay server 130 is completed.

In step 413, the domestic transfer relay server 120 can deliver the received information to the remittee terminal 140 using the message service. For example, the domestic transfer relay server 120 can deliver the received information to the recipient terminal 140 through the messenger application provided in the message service.

At step 414, the remittee terminal 140 displays the received information, and if the information is erroneous or complementary to the received information, the information is supplemented by receiving the information from the remittee.

At step 415, the remittee terminal 140 can deliver the supplementary receipt information to the domestic transfer relay server 120 using the message service.

In step 416, the domestic transfer relay server 120 can transfer the supplementary received information to the foreign transfer relay server 130 in the foreign country. At this time, the domestic transfer relay server 120 may convert the supplementary received information into the professional format and transmit the converted received information to the foreign transfer relay server 130 via the financial information server.

At step 417, the foreign transfer relay server 130 may request the bank to remit to the recipient's bank account. The remittance amount can be remitted to the recipient's bank account based on the supplementary receipt information.

In step 418, the foreign transfer relay server 130 may forward the message to the payee terminal bank 140 that the remittance has been completed to the payee's bank account. In addition, the foreign exchange relay server 130 may convert the remittance completion message into a special form and transmit it to the domestic transfer relay server 120 through the financial information server.

As a result of the remittance completion to the bank account of the remittee is transferred to the remittee terminal 140, a remittance completion message indicating that the requested remittance is completed can be transmitted to the remitter terminal 110. For example, the remittance completion message may include various information for informing that the remittance has been completed by receiving the remittance amount by the remittee such as the remittee name, remittance amount, remittee residence country, To the remitter terminal 110 via the Internet.

FIG. 5 is a diagram for explaining a process in which a domestic remitter sends remittance to a remittee in another country according to another embodiment.

5, the foreign currency transfer service of the foreign transfer relay server 130 used by the remittee terminal 140 is different from the foreign currency transfer service provided by the domestic transfer relay server 120, and the payee terminal 140 When a message service to be used differs from a message service provided by a domestic transfer relay server 120, a domestic remitter performs a remittance to a remittee overseas.

The remitter can enter the remitter's information prior to performing the remittance to an overseas remitter, for example, the remitter's information may include the remitter's name (including gender), residence address, contact information, and blind date confirmation information. The remitter information does not need to be input every time a remittance is requested, and once the remitter has entered the remitter terminal 110 once, the remitter information can be remitted using the inputted remitter information. The inputted remitter information is transmitted to the domestic transfer relay server 120 and can be used for remittance to the remittee of overseas.

In step 501, the remitter terminal 110 receives a selection of a currency from a remitter and receives a remittance amount.

In step 502, the remitter terminal 110 may request exchange rate confirmation to the domestic transfer relay server 120. The remitter terminal 110 may request confirmation of the exchange rate of the currency selected in step 501. [

In step 503, the domestic transfer relay server 120 can confirm the exchange rate based on the request transmitted in step 502. [

In step 504, the domestic transfer relay server 120 may forward the checked exchange rate to the remitter terminal 110. [ Alternatively, the domestic transfer relay server 120 can determine the final exchange rate by adding the spread to the confirmed exchange rate, and deliver the determined final exchange rate to the remitter terminal 110.

In step 505, the remitter terminal 110 may convert the remittance amount according to the exchange rate of the currency received from the domestic transfer relay server 120 to display the exchange amount.

In step 506, the remitter terminal 110 can receive receipt information for the remittee from the remitter. The receipt information is information necessary for performing the remittance to the remittee overseas, and may include information for specifying a remittee located overseas. For example, the received information may include a payee name, an address, a real name verification information, a bank, an account number, and the like.

In step 507, the remitter terminal 110 can receive a password from the remitter. If no password is required according to the embodiment, step 507 may be omitted.

In step 508, the remitter terminal 110 may transmit the remittance information including the remittance amount and the receipt information to the domestic transfer relay server 120. [ At this time, the remitter terminal 110 may transmit the password input in step 507 together with the remittance information.

In step 509, the domestic transfer relay server 120 may subtract the online money of the remitter corresponding to the remittance amount. The domestic transfer relay server 120 may transmit the online money deduction result of the remitter to the remitter terminal 110. [

In step 510, the domestic transfer relay server 120 can transfer the transfer information to the foreign transfer relay server 130 in the foreign country.

In step 511, the domestic transfer relay server 120 may transfer the remittance from the bank account of the domestic bank to the bank account of the foreign transfer relay server 130 in the foreign country. Here, the bank account of the domestic transfer relay server 120 means one or more bank accounts owned by the operator who operates the domestic transfer relay server 120, for example, it may be opened at a domestic bank. The bank account of the foreign transfer relay server 130 means one or more bank accounts owned by the operator who operates the foreign transfer relay server 130. For example, at least one of domestic banks and foreign banks In the bank.

If the bank account of the overseas transfer server 130 is opened in a domestic bank, the remittance amount is remitted from one domestic bank account to another bank account, and is not substantially remitted from abroad.

On the contrary, when the bank account of the foreign transfer relay server 130 is not opened in the domestic bank but is opened in the foreign bank, the domestic transfer relay server 120 transmits the remittance to the domestic bank having the account of the foreign bank In this case, the remittance from the domestic to the overseas can be actually performed.

In step 512, the domestic transfer relay server 120 may transmit a message to the foreign transfer relay server 130 that the transfer to the bank account of the foreign transfer relay server 130 is completed.

In step 513, the domestic transfer relay server 120 can deliver the received information to the remittee terminal 140. [ At this time, the domestic transfer relay server 120 can transfer the received information through the message service used by the remittee terminal 140 to the received information. For example, the message service used by the remittee terminal 140 may include a short message service (SMS) provided by the mobile communication service provider to which the remittee terminal 140 subscribes.

According to the embodiment, the domestic transfer relay server 120 may transmit the link to the web page that can inquire the received information to the recipient terminal 140, instead of directly transmitting the received information, 140 may be used without limitation.

At step 514, the remittee terminal 140 displays the received information, and if the information is erroneous or complementary to the received information, it can supplement the received information by receiving the information from the remittee.

At step 515, the remittee terminal 140 can deliver the supplementary receipt information to the foreign exchange relay server 130 using the message service.

In step 516, the foreign exchange relay server 130 converts the supplementary receipt information into a professional form and transmits the converted received information to the domestic transfer relay server 120 through the financial information server. The domestic transfer relay server 120 can map the received received supplemental information to the recipient and store the received information.

At step 517, the foreign transfer relay server 130 may request the bank to transfer money to the recipient's bank account. The remittance amount can be remitted to the recipient's bank account based on the supplementary receipt information.

At step 518, the foreign transfer relay server 130 may forward the message to the payee terminal bank 140 that the remittance has been completed to the payee's bank account. In addition, the foreign exchange relay server 130 may convert the remittance completion message into a special form and transmit it to the domestic transfer relay server 120 through the financial information server.

As a result of the remittance completion to the bank account of the remittee is transferred to the remittee terminal 140, a remittance completion message indicating that the requested remittance is completed can be transmitted to the remitter terminal 110. For example, the remittance completion message may include various information for informing that the remittance has been completed by receiving the remittance amount by the remittee such as the remittee name, remittance amount, remittee residence country, To the remitter terminal 110 via the Internet.

FIG. 6 is a diagram for explaining a process of remitting an overseas remitter to a domestic remitter according to an embodiment.

6, when the remitter terminal 210 receives the same service as the foreign currency transfer service provided by the domestic transfer server 230 through the foreign transfer relay server 220, A remitter of a foreign country performs a remittance to a domestic remittee. At this time, the remitter and remittee may be users who have formed a friendship relationship on the message service.

For example, the sender information may include the name of the sender (including the gender), the residence address, the contact information, and the confirmation information of the real name before the transfer to the domestic recipient . The remitter information does not need to be input every time a remittance request is made. Once the remitter has entered the remitter terminal 210 once, the remitter information can be remitted using the remitter information inputted. The inputted remitter information is transmitted to the overseas transfer relay server 220 and can be used for remittance to the domestic remitter.

In step 601, the remitter terminal 210 receives a selection of a currency from a remitter and receives a remittance amount.

In step 602, the remitter terminal 210 may request exchange rate confirmation to the foreign transfer relay server 220. [ The remitter terminal 210 may request confirmation of the exchange rate of the currency selected in step 601. [

In step 603, the foreign transfer relay server 220 can check the exchange rate based on the request transmitted in step 602. [ At this time, the foreign exchange relay server 220 can transmit the checked exchange rate to the domestic transfer relay server 230. The domestic transfer relay server 230 may determine the final exchange rate by adding the spread to the exchange rate received from the foreign transfer relay server 220 and may transmit the determined final exchange rate to the transfer server 220 of the foreign exchange.

In step 604, the foreign exchange relay server 220 can forward the checked exchange rate to the remitter terminal 210. [ Alternatively, the foreign exchange relay server 220 can forward the final exchange rate received from the domestic transfer relay server 230 to the remitter terminal 210.

In step 605, the remitter terminal 210 may convert the remittance amount according to the exchange rate of the currency received from the foreign transfer relay server 220 to display the exchange amount.

At step 606, the remitter terminal 210 may receive a selection from the remitter for the remittee. The remitter terminal 210 can display users having a friend relationship with the remitter in the message service, and can receive a selection for any one of the displayed users. As the selection for the recipient is entered, the recipient information for the recipient can be simply determined.

In step 607, the remitter terminal 210 can receive a password from the remitter. Here, the password is information for verifying in the overseas relay server 220 whether the remittance is requested from a legitimate user, and may be composed of at least one number, letter, special symbol or the like, And may include biometric information.

Also, in some cases, a receipt password may be set separately to prevent the remittance of remitted money from being transferred to the wrong overseas recipient. The recipient can receive or withdraw the remittance only if the domestic recipient has correctly entered the preset recipient password. Such a receiving password may be set by the remitter or set by the foreign transfer relay server 220 or the domestic transfer relay server 230 and the set receiving password may be transmitted to the remittee terminal 240.

If a password is not required according to the embodiment, step 607 may be omitted.

In step 608, the remitter terminal 210 can transfer the remittance information including the remittance amount and the receipt information to the overseas transfer relay server 220. [ At this time, the remitter terminal 210 may transmit the password input in step 607 together with the remittance information.

In step 609, the overseas transfer relay server 220 may subtract the online money of the remitter corresponding to the remittance amount. The foreign exchange relay server 220 may transmit the online money deduction result of the remitter to the remitter terminal 210. [

If the password is received from the remitter terminal 210, the foreign transfer relay server 220 checks whether the received password matches the password previously stored in the foreign transfer relay server 220, You can verify that the request was made from a legitimate user. If the password received from the remitter terminal 210 matches the password stored in advance, the foreign transfer relay server 220 determines that the remittance has been requested by a legitimate user and can proceed remittance. On the other hand, when the password received from the remitter terminal 210 does not match the password stored in advance, the foreign transfer relay server 220 determines that the remittance has not been requested by a legitimate user and sends it to the remitter terminal 210 You can request a password re-entry.

In step 610, the foreign transfer relay server 220 can transfer the transfer information to the foreign transfer relay server 220.

In step 611, the foreign transfer relay server 220 can transfer the remittance from the bank account of the foreign bank to the bank account of the domestic transfer relay server 230. Here, the bank account of the foreign transfer relay server 220 means one or more bank accounts owned by the operator who operates the foreign transfer relay server 220, and may be opened at an overseas bank, for example. In addition, the bank account of the domestic transfer relay server 230 means one or more bank accounts owned by the operator who operates the domestic transfer relay server 230. For example, at least one of domestic banks and foreign banks In the bank.

At this time, if the bank account of the domestic transfer server 230 is opened in an overseas bank, the remittance amount is remitted to the other bank account from an overseas bank account, so that the remittance is not substantially remitted from abroad.

On the other hand, when the bank account of the domestic transfer server 230 is not opened in the foreign bank but is opened in the domestic bank, the foreign transfer relay server 220 transfers money to the foreign bank having the account of the foreign bank In this case, remittance from abroad to the country can be actually performed.

In step 612, the foreign transfer relay server 220 may transmit a message to the domestic transfer relay server 230 that the remittance has been completed to the bank account of the domestic transfer relay server 230.

In step 613, the domestic transfer relay server 230 can charge the recipient's online money corresponding to the remittance amount.

In step 614, the domestic transfer relay server 230 may forward the online money charging result of the remittee to the remittee terminal 240. At this time, the domestic transfer relay server 230 may transfer the remittance information to the remittee terminal 240 together.

The remittance completion message may be transmitted to the remitter terminal 210 indicating that the requested remittance has been completed as the remittance result of the remittance of the remittee is transmitted to the remittee terminal 240. [ For example, the remittance completion message may include various information for informing that the remittance has been completed by receiving the remittance amount, such as the remittee name, the remittance amount, the remittee's residence country, the received time, To the remitter terminal 210 via the Internet.

FIG. 7 is a diagram for explaining a process of remitting an overseas remitter to a domestic remittee according to another embodiment.

7, the foreign currency transfer service of the foreign transfer relay server 220 used by the remitter terminal 210 is different from the foreign currency transfer service provided by the domestic transfer relay server 230, and the remitter terminal 210 When the message service to be used differs from the message service provided by the domestic transfer relay server 230, the remittee of the foreign remitter performs the remittance to the remittee in the domestic market.

For example, the sender information may include the name of the sender (including the gender), the residence address, the contact information, and the confirmation information of the real name before the transfer to the domestic recipient . The remitter information does not need to be input every time a remittance request is made. Once the remitter has entered the remitter terminal 210 once, the remitter information can be remitted using the remitter information inputted. The inputted remitter information is transmitted to the overseas transfer relay server 220 and can be used for remittance to the domestic remitter.

In step 701, the remitter terminal 210 receives a selection of a currency from a remitter and receives a remittance amount.

In step 702, the remitter terminal 210 can request exchange rate confirmation to the foreign transfer relay server 220. [ The remitter terminal 210 may request confirmation of the exchange rate of the currency selected in step 701. [

In step 703, the foreign transfer relay server 220 can check the exchange rate based on the request transmitted in step 702. [ At this time, the foreign exchange relay server 220 can transmit the checked exchange rate to the domestic transfer relay server 230. The domestic transfer relay server 230 may determine the final exchange rate by adding the spread to the exchange rate received from the foreign transfer relay server 220 and may transmit the determined final exchange rate to the transfer server 220 of the foreign exchange.

In step 704, the foreign exchange relay server 220 can forward the checked exchange rate to the remitter terminal 210. [ Alternatively, the foreign exchange relay server 220 can forward the final exchange rate received from the domestic transfer relay server 230 to the remitter terminal 210.

In step 705, the remitter terminal 210 may convert the remittance amount according to the exchange rate of the currency received from the foreign transfer relay server 220 to display the exchange amount.

In step 706, the remitter terminal 210 can receive receipt information for the remittee from the remitter. The receipt information is information necessary for performing the remittance to the remittee overseas, and may include information for specifying a remittee located overseas. For example, the received information may include a recipient's domestic mobile phone number, identity information, and the like. At this time, the overseas transfer relay server 220 can transmit to the remitter terminal 210 the information necessary for remittee, such as an identification code, to receive remittance.

In step 707, the remitter terminal 210 can transfer the remittance information including the remittance amount and the receipt information to the overseas transfer relay server 220. [ At this time, the remitter terminal 210 may transmit the password input in step 707 together with the remittance information.

In step 708, the overseas transfer relay server 220 may subtract the online money of the remitter corresponding to the remittance amount. The foreign exchange relay server 220 may transmit the online money deduction result of the remitter to the remitter terminal 210. [

In step 709, the foreign transfer relay server 220 can transfer the transfer information to the foreign transfer relay server 220.

In step 710, the foreign transfer relay server 220 may transfer the remittance amount from the bank account of the foreign bank to the bank account of the domestic transfer relay server 230. [ Here, the bank account of the foreign transfer relay server 220 means one or more bank accounts owned by the operator who operates the foreign transfer relay server 220, and may be opened at an overseas bank, for example. In addition, the bank account of the domestic transfer relay server 230 means one or more bank accounts owned by the operator who operates the domestic transfer relay server 230. For example, at least one of domestic banks and foreign banks In the bank.

If the bank account of the domestic transfer server 230 is opened in an overseas bank, the remittance amount is remitted from one foreign bank account to another bank account, so that it can not be remitted to abroad.

On the other hand, when the bank account of the domestic transfer server 230 is not opened in the foreign bank but is opened in the domestic bank, the foreign transfer relay server 220 transfers money to the foreign bank having the account of the foreign bank In this case, remittance from abroad to the country can be actually performed.

In step 711, the foreign transfer relay server 220 may transmit a message to the domestic transfer server 230 that the remittance has been completed to the bank account of the domestic transfer relay server 230.

In step 712, the domestic transfer relay server 230 can deliver the received information to the remittee terminal 240 using the message service. For example, the domestic transfer relay server 230 may forward the received information to the recipient terminal 240 through the messenger application provided in the message service. If the remittee terminal 240 is not subscribed to the foreign currency transfer service of the domestic transfer server 230, the domestic transfer server 230 can induce the subscriber terminal 240 to join first.

At step 713, the remittee terminal 240 displays the received information, and if the information is erroneous or complementary to the received information, the information can be supplemented by receiving the information from the remittee. At this time, the remittee terminal 240 can receive information (for example, identification number, remittee's first name (last name or first name), etc.) requested from the foreign transfer relay server 220 from the remittee.

In step 714, the remittee terminal 240 can forward the supplementary receipt information to the domestic transfer relay server 230 using the message service.

In step 715, the domestic transfer relay server 230 can charge the recipient's online money corresponding to the remittance amount.

In step 716, the domestic transfer relay server 230 may forward the online money charging result of the remittee to the remittee terminal 240. At this time, the domestic transfer relay server 230 may transfer the remittance information to the remittee terminal 240 together.

The remittance completion message may be transmitted to the remitter terminal 210 indicating that the requested remittance has been completed as the remittance result of the remittance of the remittee is transmitted to the remittee terminal 240. [ For example, the remittance completion message may include various information for informing that the remittance has been completed by receiving the remittance amount, such as the remittee name, the remittance amount, the remittee's residence country, the received time, To the remitter terminal 210 via the Internet.

FIG. 8 is a diagram illustrating a process of remitting a remitter in a first country to a remittee in a second country according to an embodiment of the present invention.

8, a remitter terminal 801 located in a first country, a transfer relay server 802, a financial information server 805, a VAN (Value Added Network) network 806, a remitter bank 807, a CMS a cash management service bank 808 and a transfer relay server 803, a payee terminal 804, a financial information server 809, a VAN network 810, a CMS bank 811, Lt; / RTI > is shown. Here, the first country and the second country represent different countries. For example, the first country may be domestically and the second country may be overseas. On the contrary, if the first country is overseas and the second country is domestically have.

The remitter terminal 801 can request remittance to the remittee of the second country by transferring the remittance information to the transfer relay server 802. [ At this time, the remitter terminal 801 can remit money through the online money charged in the transfer relay server 802, and in order to perform the remittance, the online money must be charged in advance.

Therefore, the remitter terminal 801 transfers a fixed amount to the bank account of the transfer relay server 802 opened in the CMS bank 808 in the remitter's bank account opened in the remitter bank 807 before performing the remittance, You can recharge your online money. This process can be performed through the financial information server 805 connected to the transfer relay server 802 and the VAN network 806. [

The transfer relay server 802 which receives the transfer information from the remitter terminal 801 can transfer the transfer information to the transfer relay server 803 of the second country. At this time, the remittance information can be converted into a specialized form and transmitted through the financial information servers 805 and 809 of the respective countries.

The transfer relay server 802 can remit the remittance to the bank account of the transfer relay server 803 and send the result through the financial information servers 805 and 809 of the respective countries.

The transfer relay server 803 can transfer the remittance amount to the remittee terminal 804 based on the transferred remittance information and the received information received from the remittee terminal 804. [ Specifically, the transfer relay server 803 is opened to the receiver's bank 812 in the bank account of the transfer relay server 803 provided in the CMS bank 811 via the financial information server 809 and the VAN network 810 You can remit the remittance to the recipient's bank account.

As shown in FIG. 8, the remitter may have his or her account at various banks, but as the bank account of the transfer relay server 802 is opened in the CMS bank 808, it is not limited to the sender's bank Remittance can be done with a low fee.

9 is a diagram for explaining an interface for selecting a call from a remitter terminal and inputting a remittance amount according to an embodiment.

The remitter in the first country can select the currency 910 to be remitted. The remitter can select any one of the one or more currencies available in the foreign currency transfer service displayed on the remitter terminal. Alternatively, the remitter may directly input the call 910 through the virtual keypad displayed on the remitter terminal.

Also, the remitter in the first country can input remittance 920 to remit money. At this time, the remittance amount 920 can be input using the virtual keypad displayed on the remitter terminal, but the remittance amount 920 can be input through various methods without being limited thereto.

When the currency 910 and the remittance amount 920 are inputted, the remittance amount 930 can be displayed by converting the remittance amount 920 according to the exchange rate of the currency 910. Then, a button 940 for selecting the remittee can be activated.

10 is a diagram illustrating an interface for selecting a remittee and inputting a password in the remitter terminal according to an embodiment.

If the remittee terminal receives the same service as the foreign currency transfer service provided by the domestic transfer server and is provided from the foreign transfer relay server in the foreign country and uses the message service provided by the domestic transfer relay server and the remitter and recipient are friends in the message service , The remitter can simply input the receipt information for the remittee by selecting the remittee from the buddy list 1010 displayed on the remitter terminal.

However, if the remitter and recipient are not in a friend relationship in the message service, or if the foreign currency transfer service of the domestic transfer server and the foreign currency transfer service of the foreign exchange relay server are different from each other, the remitter uses the friend list 1010 The recipient can not be selected, and the receipt information for the recipient must be input.

When all of the remittance information including the remittance amount and the receipt information is inputted, the password 1020 may be required to complete the remittance request. At this time, the password 1020 is registered in the transfer service server of the first country, and may be composed of, for example, at least one number, letter, special symbol or the like, or biometric information such as fingerprint and voice may be included It is possible.

When the password 1020 is correctly input, the remittance completion message 1030 can be displayed on the remitter terminal. In the remittance completion message 1030, the remittee name, remittance money of the remitter can be displayed.

Although FIGS. 9 and 10 illustrate that the recipient is selected after the remittance amount and the currency are inputted, this is merely an illustrative example, and the remittance amount and currency may be inputted after the recipient is first selected.

The embodiments described above may be implemented in hardware components, software components, and / or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, such as an array, a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical 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 produced 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 devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Although the embodiments have been described with reference to the drawings, various technical modifications and variations may be applied to those skilled in the art. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

110:
120: Transfer relay server
130: Transfer relay server
140:

Claims (18)

A method for providing a transfer service performed by a domestic remitter terminal,
Receiving remittance amounts to be remitted using the foreign currency transfer service and receipt information for the remittee to foreign countries;
Transferring remittance information including the remittance amount and the receipt information to a domestic transfer relay server providing the foreign currency transfer service; And
Displaying the result of subtracting the online money of the remitter corresponding to the remittance amount from the domestic transfer relay server
The method comprising the steps of: The method according to claim 1,
Receiving the remittance amount and the receipt information,
When the recipient terminal of the foreign country receives the same service as the foreign currency transfer service provided by the domestic transfer relay server from the foreign transfer relay server and uses the message service provided by the domestic transfer relay server, Displaying the users having a friend relationship with the remitter and receiving the acceptance information by receiving a selection for one of the displayed users. The method according to claim 1,
Receiving the remittance amount and the receipt information,
When the foreign currency transfer service of the foreign transfer relay server provided to the foreign receiver terminal is different from the foreign currency transfer service provided by the domestic transfer relay server, the information necessary for transferring money to the recipient is inputted, And a method of providing a transfer service. The method according to claim 1,
Receiving a selection of a currency of a remittance from the remitter, and requesting the exchange relay server of the domestic currency to confirm the exchange rate of the inputted currency; And
Converting the remittance amount according to the exchange rate of the currency received from the domestic transfer relay server to display the exchange amount
Further comprising the steps of: The method according to claim 1,
The online money of the remitter includes:
And is charged based on an amount transferred from the bank account of the remitter to the bank account of the domestic transfer relay server. The method according to claim 1,
The remittance amount is remitted to a bank account of a foreign transfer relay server providing foreign currency transfer service from a bank account of the domestic transfer relay server to an overseas remittee terminal based on the remittance information,
Wherein the transfer money of the remittee corresponding to the remittance amount is charged to the foreign transfer relay server or the remittance amount is remitted to the bank account of the remittee. The method according to claim 6,
When the remittee terminal is provided with the same service as the foreign currency transfer service provided in the domestic transfer relay server from the foreign transfer relay server and uses the message service provided from the domestic transfer relay server, The online money of the foreign exchange relay server is charged to the foreign transfer relay server,
If the foreign currency transfer service of the foreign transfer relay server provided to the remittee terminal differs from the foreign currency transfer service provided by the domestic transfer relay server, the remittance amount is remitted to the bank account of the remittee. A transfer service providing method performed by a domestic transfer relay server providing a foreign exchange transfer service,
Receiving remittance information including remittance information and remittance amount for a remittee from a domestic remitter terminal using the foreign currency transfer service;
Subtracting the online money of the remitter corresponding to the remittance amount, and transmitting the deducted result to the remitter terminal; And
Transferring the remittance information to a foreign transfer relay server providing foreign currency transfer service to a remittee terminal at an overseas location
The method comprising the steps of: 9. The method of claim 8,
The above-
When the remittee terminal uses the same service as the foreign currency transfer service provided by the domestic transfer relay server through the foreign transfer relay server and uses the message service provided by the domestic transfer relay server, And a user is determined as a recipient in the remitter terminal among users who have established a friend relationship with the remitter. 9. The method of claim 8,
The above-
If the foreign currency transfer service of the foreign transfer relay server provided to the remittee terminal differs from the foreign currency transfer service provided by the domestic transfer relay server, information necessary for transferring the money to the remittee entered in the remitter terminal To provide a transfer service. 9. The method of claim 8,
The online money of the remitter includes:
And is charged based on an amount transferred from the bank account of the remitter to the bank account of the domestic transfer relay server. 9. The method of claim 8,
The remittance amount is transferred from a bank account of the domestic transfer relay server to a bank account of the foreign transfer relay server,
Wherein the transfer money of the remittee corresponding to the remittance amount is charged to the foreign transfer relay server or the remittance amount is remitted to the bank account of the remittee. A transfer service providing method performed by a foreign transfer relay server providing a foreign currency transfer service,
Receiving remittance information including remittance information and a remittance amount for a remittee from a domestic transfer relay server providing a foreign currency transfer service to a domestic remitter terminal; And
A step of charging the online money of the remittee corresponding to the remittance amount or requesting remittance of the remittance amount to the bank account of the remittee and delivering the processing result to the remittee terminal
The method comprising the steps of: A method of providing a transfer service performed by an overseas remitter terminal,
Receiving remittance amounts to be remitted using the foreign currency transfer service and receipt information for the domestic remittee;
Transferring remittance information including the remittance amount and the receipt information to an overseas transfer relay server providing the foreign currency transfer service; And
Displaying the result of subtracting the online money of the remitter corresponding to the remittance amount from the foreign transfer relay server
The method comprising the steps of: 15. The method of claim 14,
Receiving the remittance amount and the receipt information,
When the remitter terminal is provided with the same service as the foreign currency transfer service provided by the domestic transfer relay server from the foreign transfer relay server and uses the message service provided from the domestic transfer relay server, Displaying the users with whom the friend relationship is formed and receiving the acceptance information by receiving a selection of one of the displayed users. A transfer service providing method performed by a domestic transfer relay server providing a foreign exchange transfer service,
Receiving remittance information including remittance information and a remittance amount for the remittee from a foreign money relay server providing a foreign currency transfer service to a remitter terminal at an overseas country; And
Charging the payee's online money corresponding to the remittance amount
The method comprising the steps of: 17. The method of claim 16,
The step of charging the payee's online money corresponding to the remittance amount includes:
When the foreign exchange transfer service of the foreign transfer relay server is different from the foreign currency transfer service provided by the domestic transfer relay server, the confirmation request for the received information is requested to the recipient terminal and the confirmation of the receipt information of the recipient terminal To the recipient's online money. A transfer service providing method performed by a foreign transfer relay server providing a foreign currency transfer service,
Receiving remittance information including remittance information and a remittance amount for a remittee in a domestic country from an overseas remitter terminal using the foreign currency transfer service;
Requesting withdrawal of the amount of the remittance from the bank account of the remitter or transferring the processing result to the remitter terminal, subtracting the remittance money of the remitter corresponding to the remittance amount; And
Transferring the remittance amount to a general account of a domestic transfer relay server providing a foreign currency transfer service from a general account of the foreign transfer relay server to a domestic remittee terminal
The method comprising the steps of:

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