KR20180076361A - Current exchange service providng method and apparatus for performing the method - Google Patents

Abstract

A method of providing a currency exchange service and an apparatus for performing the method are provided. The method of providing a currency exchange service comprises the following steps of: generating a currency exchange order corresponding to a currency exchange application received from a user device; transmitting a currency exchange bidding request corresponding to a currency exchange order to a plurality of currency exchange service providing servers corresponding to each of a plurality of currency exchange service providers connected to a currency exchange intermediation server; receiving a currency bidding result from at least one currency exchange service providing server which wants to participate in the currency exchange bidding among the plurality of currency exchange service providing servers; providing information on at least one currency exchange service providing server to the user′s device wherein the at least one currency exchange service providing server wants to participate in the currency exchange bidding based on the currency exchange bidding result; receiving a currency exchange order application including a currency exchange service providing server which wants to perform a currency exchange service from the user′s device; and generating a currency exchange confirmation indicating the right to receive foreign currency cash at a currency exchange office in response to the currency exchange order application.

Description

TECHNICAL FIELD [0001] The present invention relates to a method of providing a currency exchange service and a device performing the method.

The present invention relates to a method for providing a currency exchange service and an apparatus for performing the method. More particularly, the present invention relates to a method for providing a currency exchange service, And a service providing method and apparatus.

With the recent spread of PinTech services, online money service is becoming more active. These online money services are used simply for on-line or off-line settlement, and there is a need to expand the use area.

In particular, according to the existing exchange service, the user did not go through the process of comparing the exchange rate of the transaction, but visited the bank or the exchange office directly to exchange money. As a result, the user did not receive the optimized currency exchange service by simply visiting the exchange office where the user could easily visit or process the currency, rather than comparing the exchange rate.

The present invention provides a method and apparatus that can provide a currency exchange service that can be exchanged within the balance of the user's online money in a non-facing manner.

The present invention allows the user to select a currency exchange service provider and a currency exchange service from among a plurality of exchange service providers participating in the bidding process, to deduct from the online money as much as the exchange amount, and to receive the foreign currency cash at the off- A method and apparatus for delivering a currency exchange confirmation.

The present invention provides a method and apparatus for transferring a currency exchange confirmation for a currency exchange service to a recipient of a currency exchange confirmation of a user so as to utilize the right to actually exchange money.

The present invention relates to a method and apparatus for transferring coins or bills obtained from foreign countries to an online money providing a reverse exchange service that can be accumulated by online money, Device.

A method for providing a currency exchange service performed by a currency exchange mediation server according to a first embodiment of the present invention includes: generating a currency exchange order corresponding to a currency exchange application received from a user device; Transmitting a currency exchange bid request corresponding to a currency exchange order to a plurality of currency exchange service providing servers corresponding to each of a plurality of currency exchange service providers connected to the currency exchange mediation server; Receiving a currency exchange auction result from at least one exchange service providing servers to participate in exchange bidding among the plurality of exchange service providing servers; Providing information on at least one exchange service providing server to the user's device to participate in the exchange bidding based on the exchange bidding result; Receiving a currency exchange order application including a currency exchange service providing server for conducting a currency exchange service from the user's device; And generating a currency exchange confirmation indicating the right to receive foreign currency cash at the currency exchange office in response to the exchange order application.

In the case of the currency exchange service for converting the currency of the first country into the currency of the second country, the application for the exchange is to be made in such a manner that the currency of the second country to be exchanged and the currency of the first country to which the currency amount and the expected exchange rate are applied .

The expected exchange rate may be determined based on the cash sale rate received from the exchange service providing server corresponding to each of the plurality of exchange service providers.

The exchange mediation server may sort and provide exchange rate information for at least one exchange service providing servers and the at least one exchange service providing servers to participate in the exchange bidding according to a specific criterion.

The specific criteria may include a reference rate included in the exchange rate information, a distance between the user and a currency exchange office connected to the exchange service provider, a credit rating of the exchange service providers, a currency exchange fee of each of the exchange service providers, And satisfaction of each of the providers.

The step of generating the exchange confirmation certificate comprises the steps of (i) transferring foreign currency cash of the second country required to receive the foreign currency cash of the second country which is the result of exchanging the currency of the first country at the online money corresponding to the account of the user (Ii) a foreign exchange buyer who is able to receive foreign currency cash in the second country.

The method of providing a currency exchange service may further include determining whether a currency exchange transaction is possible from the currency exchange service providing server by using the exchange confirmation letter when the user receives foreign currency cash at a currency exchange office.

A method for providing a currency exchange service performed by a device of a user according to the first embodiment of the present invention comprises the steps of: transmitting a currency exchange request for exchange bidding to a currency exchange mediation server; Receiving information on at least one exchange service providing servers to participate in the exchange bidding based on the exchange bidding result; Transmitting a currency exchange order application including a currency exchange service providing server for conducting a currency exchange service to a currency exchange intermediation server; And receiving the exchange confirmation certificate indicating the right to receive the foreign currency cash at the exchange office in response to the exchange order application from the currency exchange intermediation server.

A method for providing a currency exchange service performed by a currency exchange mediation server according to a second embodiment of the present invention comprises the steps of: transferring a currency exchange confirmation, which is a right to receive foreign currency cash through a foreign exchange office, to a device of a user; Receiving a transfer request of the exchange confirmation from the user's device; Transmitting a request for receipt of the exchange confirmation to the recipient's device for transfer of the exchange confirmation; And receiving the confirmation of receipt of the exchange confirmation from the device of the recipient of the exchange confirmation, correcting the foreign currency buyer of the exchange confirmation and transmitting the correction to the device of the recipient of the exchange confirmation.

(I) an online money balance obtained by subtracting a currency exchange required for receiving foreign currency cash of a second country which is a result of exchanging the currency of the first country at the online money corresponding to the account of the user, and (ii) ) May include foreign currency buyers who can receive foreign currency cash in the second country.

The method of providing a currency exchange service may further include determining whether the transfer confirmation letter requested for transfer is valid, and the step of transmitting a receipt request of the exchange confirmation letter to the device of the money exchange confirmation recipient includes: , And can transmit the receipt request of the exchange confirmation.

Wherein the step of determining whether the transfer confirmation certificate is valid is to determine whether the exchange confirmation recipient is a friend in the relationship of the user, whether the transfer request for the exchange confirmation certificate is within the validity period of the exchange confirmation certificate, Whether or not the foreign exchange cash has already been received is confirmed based on at least one of whether or not the foreign exchange cash has been received through the confirmation letter.

A method of providing a currency exchange service performed by a device of a user according to a second embodiment of the present invention comprises the steps of: selecting a currency exchange confirmation letter to be transferred among at least one currency exchange confirmation right which is a right to receive foreign currency cash through a foreign exchange office; Selecting a recipient of the exchange confirmation letter to transfer the selected exchange confirmation letter among the user's exchange confirmation letters; Transferring the transfer request of the selected exchange confirmation to the exchange mediation server; And receiving the transfer result from the exchange mediation server, wherein the device of the exchange confirmation recipient can receive the exchange confirmation from the exchange mediation server in which the foreign currency buyer has been modified in the selected exchange confirmation.

A method for providing a currency exchange service performed by a currency exchange mediation server according to a third embodiment of the present invention is a method for providing a currency exchange service for exchanging a currency of a second country issued as a coin or paper money from a user's device to a currency of a first country ; Generating a reverse exchange application in response to the application and delivering it to at least one exchange service providing server; Transmitting a request for confirmation of the reverse exchange service to the exchange service providing server providing the reverse exchange service among the at least one exchange service providing servers; And a step of updating the exchange money corresponding to the currency of the first country, which has been reversed, to the online money of the user when the transaction completion for the reverse exchange service for the confirmation request is received.

The settlement request may be transmitted to the exchange service providing server determined according to the result of the auction for the reverse exchange service, or may be transmitted to the exchange service providing server connected to the exchange intermediation server for the reverse exchange service regardless of the auction result.

Wherein the step of receiving an application for the reverse currency exchange service comprises the steps of: recognizing an identification code displayed on at least one of an envelope, a bag or a storage device receiving a coin or banknote corresponding to the currency of the second country, And receive an application for the service.

A method of providing a currency exchange service performed by a device of a user according to a third embodiment of the present invention includes: Recognizing an identification code for a currency exchange medium for a currency exchange service for exchanging a currency of a second country issued with a coin or paper money into a currency of the first country; Transmitting an application for a reverse exchange service corresponding to the identification code to the exchange mediation server; Transmitting an order application for the reverse exchange service to the exchange mediation server in response to a bid result received from the exchange mediation server or a reverse exchange confirmation request of the exchange service providing server; And receiving the result of the reverse exchange service in response to the order application, wherein the online money of the user is a money exchange amount corresponding to the currency of the first country that has been reversed after the transaction for the reverse exchange service is completed, Lt; / RTI >

According to an embodiment of the present invention, it is possible to provide a currency exchange service capable of exchanging money within a balance range of a user's online money in a non-facing manner.

According to an embodiment of the present invention, among the plurality of foreign exchange service providers participating in the bidding, a foreign exchange service provider and a foreign exchange service provider proceed with the foreign exchange service provider. The foreign exchange account is subtracted from the online money as much as the exchange amount, You can deliver the exchange confirmation, which is the authority to receive the exchange.

According to an embodiment of the present invention, by transferring the exchange confirmation certificate for the exchange service to the recipient of the exchange confirmation of the user, it is possible to utilize the right to actually exchange money.

According to one embodiment of the present invention, by providing a reverse currency exchange service that can exchange coins or bills acquired in foreign countries and accumulate them in online money, it is possible to utilize coins and bills, which are difficult to process, You can switch.

1 is a block diagram illustrating an apparatus for performing a method of providing a currency exchange service according to an embodiment of the present invention.
2 is a flowchart illustrating a process of generating a money exchange confirmation through a money exchange application according to the first embodiment of the present invention.
3 is a flowchart illustrating a process of receiving foreign currency cash using the exchange confirmation certificate according to the first embodiment of the present invention.
4 is a diagram illustrating an example of requesting a currency exchange order in a user's device according to the first embodiment of the present invention.
5 is a diagram illustrating an example of acquiring the exchange confirmation certificate in the device of the user according to the first embodiment of the present invention.
FIG. 6 is a flowchart illustrating a process of transferring a currency exchange confirmation to a recipient of a currency exchange confirmation according to the second embodiment of the present invention.
7 is a diagram showing an example of assigning the exchange confirmation certificate according to the second embodiment of the present invention.
FIG. 8 is a flowchart illustrating a process of performing a reverse exchange service without bidding according to the third embodiment of the present invention.
9 is a flowchart illustrating a process of performing a reverse exchange service through a bid according to the third embodiment of the present invention.
10 is a flowchart showing an example of application for reverse currency exchange according to the third embodiment of the present invention.
11 is a diagram showing an example of a reverse conversion result screen according to the third embodiment of the present invention.

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 specific 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 exchange or reverse exchange. The devices for performing the exchange service providing method can be implemented in various types of products such as a smart phone, a wearable device, a tablet computer, a laptop computer, a personal computer, a smart home appliance, and an intelligent automobile.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a block diagram illustrating an apparatus for performing a method of providing a currency exchange service according to an embodiment of the present invention.

Referring to FIG. 1, a currency exchange mediation server 100 that performs a method of providing a currency exchange service is shown. The method for providing a currency exchange service according to an embodiment of the present invention may be implemented through a specific page of a web site or through an application installed in a device.

The user's device 1 (101) can request a currency exchange service or a reverse currency exchange service through the currency exchange mediation server 100. The device 2 (105) of the exchange confirmation certificate recipient can receive the exchange confirmation certificate acquired through the device 1 (101).

In an embodiment of the present invention, the plurality of exchange service providing servers 102-1 to 102-N participating in the exchange service providing method may be plural. At least one exchange office terminal 103-1 to 103-N may be connected to each of the exchange service providing servers 102-1 to 102-N.

The exchange mediating server 100 may be connected to a financial server 104 that manages accounts of a user such as a bank, a securities company, and the like. The amount contained in the user's account can be converted to online money, which can be paid online or offline, according to the user's request. Conversely, online money may be deposited into the user's account at the request of the user.

The exchange mediating server 100 may also perform exchange / reverse exchange service based on an online money providing service for managing online money in connection with a user's account. The exchange service providing servers 102-1 to 102-N may provide a currency exchange service or a reverse currency exchange service in connection with the exchange intermediation server 100. [

(I) Example 1, which provides a currency exchange service according to a user's request, (ii) Example 2 and (iii), which transfer a currency exchange confirmation obtained by executing a currency exchange service according to a user's request to a recipient of a currency exchange confirmation, Embodiment 3 in which a reverse exchange service is provided according to a user's request will be described in detail.

Embodiment 1 means that a user can conveniently make a currency exchange application in a non-face-to-face manner within the range of online money corresponding to a user's account through the currency exchange mediation server 100. [ According to the user's request for currency exchange, a currency confirmation certificate is issued and the user can visit the currency exchange office participating in the currency exchange service and acquire the foreign currency cash that is actually requested for exchange through the exchange confirmation.

Embodiment 2 means that the user transfers the exchange confirmation certificate to the recipient of the exchange confirmation certificate selected by the user in the situation that the exchange confirmation certificate is issued according to the user's exchange request. That is, Embodiment 2 means that the user transfers the confirmation of exchange to the recipient of the exchange confirmation certificate, which indicates the right to actually visit the exchange office and acquire foreign currency cash.

Embodiment 3 relates to a reverse exchange service for converting a foreign currency such as a coin or paper money obtained by a user in a second country into a currency of a first country. In other words, if the exchange service as in Example 1 means that the currency of the first country is changed to the currency of the second country, the reverse currency exchange service means that the currency of the second country is converted into the currency of the first country. Once the reverse exchange service is completed, the value of the coins or notes provided by the user to the exchange service provider may be converted to the online money managed by the exchange intermediary server 100. [

2 is a flowchart illustrating a process of generating a money exchange confirmation through a money exchange application according to the first embodiment of the present invention.

FIG. 2 shows one exchange service providing server 102 among a plurality of exchange service providing servers performing the exchange service providing method.

In step S201, the exchange service providing server 102 operated by the exchange service provider can provide the first exchange rate information to the exchange intermediation server 100. [ Here, the first exchange rate information means the exchange rate provided by each exchange service provider. In this case, the first exchange rate information means a selling rate obtained by adding a commission rate of the exchange service provider to the reference rate of sale.

In step S202, the exchange mediation server 100 determines the second exchange rate information (estimated exchange rate) based on the first exchange rate information received from the plurality of exchange service providing servers 102, ). The second exchange rate information can be determined by mathematically calculating the cash selling rate of each of a plurality of the exchange service providing servers 102 (e.g., averaging). At this time, the second exchange rate information may be additionally reflected on the intermediation fee of the exchange intermediation server 100. [

In step S203, the user's device 1 101 can transmit the exchange request to the exchange mediating server 100. [ When a currency unit (first currency) of a first country is converted into a currency unit of a second country (second currency), the exchange application may include a type of the first currency, a currency amount, a type of the second currency, 100, and the like.

In step S204, the currency exchange mediation server 100 may generate a currency exchange order corresponding to the currency exchange application received from the device 1 (101). Then, in step S205, the currency exchange mediation server 100 can transmit a currency exchange auction request to each of the plurality of currency exchange service providing servers 102 through the currency exchange order. The currency exchange order may include the second exchange rate information.

The exchange service providing server 102 may determine whether to participate in the bid based on the second exchange rate information included in the exchange order. If the exchange service providing server 102 intends to participate in the bidding corresponding to the exchange order, the exchange service providing server 102, in step S206, transmits the exchange bidding result, which is the result of responding to the exchange bidding request, To the server (100). The result of the currency exchange auction includes the cash sale rate managed by the currency exchange service providing server 102, and the cash sale rate may be the same as or changed from the exchange rate included in the first exchange rate information. Such a cash selling rate may be a reference exchange rate for each of the exchange service providing servers 102.

In step S207, the exchange mediation server 100 transmits exchange rate information (reference exchange rate) to at least one exchange service providing server 102 and the exchange service providing server 102 that responded to the exchange bidding request to a specific criterion You can sort by. Here, the specific criterion includes the descending / ascending order of the reference currency included in the exchange rate information, the distance between the user and the exchange office connected to the exchange service provider, the creditworthiness of the exchange service provider, the exchange fee of each exchange service provider, And satisfaction of each of the vendors.

Then, in step S208, the currency exchange mediation server 100 transmits a currency exchange auction result including the reference currency rate (cash selling rate) presented by the at least one exchange service providing servers 102 participating in the exchange bidding request to the device 1 101). The exchange bidding result may include a cash selling rate provided by each of the exchange service providing servers 102 and a result of sorting the corresponding exchange service providers according to sorting criteria.

In step S209, the device 1 101 transmits to the currency exchange mediation server 100 a currency exchange order request including the result of the user's selection of the currency exchange service provider to actually participate in the currency exchange from the exchange bidding result from the device 1 101 . Accordingly, in step S210, a currency exchange order can be concluded between the user of the device 1 101 and the exchange service provider of the exchange service providing server 102. [ At this time, in step S211, the exchange mediating server 100 transmits an amount corresponding to the result of combining the reference currency of the exchange service provider selected by the user in the online money corresponding to the account of the user and the first call to be exchanged, Can be deducted.

In step S212, the exchange mediation server 100 may transmit the exchange result to the exchange service providing server 102 participating in the exchange bidding. Accordingly, a sale transaction from the first currency to the second currency between the user and the exchange service provider can be established. However, since the user does not actually acquire foreign currency cash, actual transactions are not generated.

Thereafter, in step S213, the currency exchange mediation server 100 can generate a currency exchange confirmation corresponding to the exchange result. The exchange confirmation letter means a kind of right used when the user actually exchanges money. The exchange confirmation will be described in detail with reference to FIG. Then, in step S214, the exchange intermediation server 100 can transmit the exchange confirmation to the user's device 1 (101).

Although not shown in FIG. 2, the process of actually receiving the foreign currency cash in offline by using the exchange confirmation obtained by the user using the first device 101 will be described in detail with reference to FIG.

3 is a flowchart illustrating a process of receiving foreign currency cash using the exchange confirmation certificate according to the first embodiment of the present invention.

The processes after step S301 are the same as those described with reference to FIG.

In step S301, the device 1 101 can display the exchange confirmation certificate acquired from the exchange intermediary server 100. [ Then, in step S302, the device 1 (101) can actually transmit the exchange processing request to the exchange service providing server 102 using the exchange confirmation sheet. For example, the exchange service providing server 102 can confirm the exchange confirmation certificate through a process of confirming the exchange confirmation certificate online or by recognizing the identification code such as the bar code / QR code.

In step S303, the exchange service providing server 102 can request the exchange transaction mediation server 100 to confirm whether or not the exchange transaction is possible by using the exchange confirmation letter corresponding to the exchange processing request received from the first device 101 . Foreign currency cash may be reserved for the user until confirmation is made as to whether currency exchange transactions are possible.

In step S304, the exchange intermediation server 100 can determine whether or not the exchange transaction requested by the first device 101 is possible in response to the confirmation request received from the exchange service providing server 102. [ Specifically, the exchange intermediation server 100 can determine whether the exchange transaction requested by the first device 101 is possible by determining whether the exchange confirmation is valid. For example, it is determined whether a request for a currency exchange transaction has occurred within the effective period of use of the currency exchange confirmation, whether a currency exchange transaction request has been issued from a third party other than an effective user of the currency exchange confirmation, The exchange brokerage server 100 can determine whether or not the exchange transaction requested by the first device 101 is possible.

If it is determined that the exchange transaction is possible, the exchange mediation server 100 may transmit the result of confirming that the exchange transaction is possible to the exchange service providing server 102 in step S305. Thereafter, in step S306, the exchange service providing server 102 may process the money exchange amount obtained by combining the first currency included in the exchange confirmation certificate and the reference exchange rate. Actually, the user can acquire the foreign currency cash of the second currency corresponding to the currency exchange amount at the foreign exchange office on the off-line that cooperates with the exchange service providing server 101.

Thereafter, if it is confirmed that the user has received the foreign currency cash corresponding to the currency exchange amount included in the exchange confirmation, the exchange service providing server 102 transmits the result of the foreign currency cash transaction to the exchange intermediation server (step S306) 100). Then, in step S308, the exchange mediation server 100 may transmit a confirmation request to the device 1 101 as to whether or not it has received the foreign currency cash. In step 309, the device 1 101 may send an acknowledgment to the exchange mediation server 100 in response to the confirmation request. As a result, the currency exchange transaction can be finally ended.

If the process of receiving foreign currency cash within the validity period set in the currency exchange confirmation is not proceeded, the exchange confirmation may be revoked. Then, as the money exchange confirmation is discarded, the online money deducted by the money exchange amount in step S211 in FIG. 2 may be restored to before the deduction.

4 is a diagram illustrating an example of requesting a currency exchange order in a user's device according to the first embodiment of the present invention.

The screen 401 and the screen 402 show the result displayed on the display of the user's device 1 (101).

Referring to the screen 401, the user can select a currency exchange via the interface and input a money exchange amount. Then, the device 1 (101) can transmit the exchange request including the type of the exchange currency input by the user and the exchange amount of the exchange currency to the exchange mediation server 100. The type of currency exchange and the amount of money included in the exchange request are related to the second currency the user wishes to exchange from the first currency. That is, in FIG. 4, the first currency denotes the Korean currency (won), and the second currency denotes the US currency (US dollar).

When the user inputs the type of the second currency as the exchange currency and the exchange amount, the device 1 101 receives the estimated exchange amount combined with the expected exchange rate and the exchange amount from the exchange mediation server 100, and displays it on the screen 401 can do. Here, the expected exchange rate can be determined by applying the exchange fee of the exchange intermediary server 100 to the cash sold-in rate received from the exchange intermediary service servers 102 in advance by the exchange intermediary server 100. [ After confirming the estimated exchange amount, the user can select "Request for exchange bid".

Referring to screen 402, a list of a plurality of exchange service providers that accept exchange bids in response to the exchange bidding application is displayed. The exchange bidding results may show the names and base currency exchange rates of multiple exchange service providers corresponding to the time of the last notice, as a result of applying a certain fee to the sale or cash sale rate.

The result of the exchange bidding is that a plurality of exchange service providers are provided with a predetermined standard (eg ascending / descending order of the exchange rate, descending order from the user, descending order of users, descending order of users, descending order of credit, Order of ascending / descending order, etc.). Also, in the screen 402, the company displayed in the exchange bidding result may correspond to the exchange service provider or correspond to the exchange office belonging to the exchange service provider.

If the user selects a company to be actually exchanged among the plurality of companies included in the exchange bidding result, the device 1 101 may transmit the exchange order application to the exchange mediation server 100 as in step S203.

5 is a diagram illustrating an example of acquiring the exchange confirmation certificate in the device of the user according to the first embodiment of the present invention.

The screen 501 and the screen 502 shown in FIG. 5 are screens displayed after the process of FIG. The screen 501 and the screen 502 show the result displayed on the display of the device 1 101 of the user.

The screen 501 makes a request for the user to input the password for managing the online money, in order to conclude the exchange order in step S210 and deduct the online money in step S211 Screen. That is, in the screen 501, when the user inputs the password, the exchange order is actually concluded, and the online money converted from the balance contained in the user's account can be deducted by the exchange amount.

Screen 502 shows an example of a currency exchange confirmation created after the exchange order is concluded. Referring to the screen 502, the exchange confirmation sheet is used to confirm the type of the exchange currency (second currency), the exchange amount, the cost of the first currency derived by combining the exchange amount with the reference exchange rate of the exchange service provider, The result (online money balance), and personal information (foreign currency buyer) that can use the exchange confirmation.

The screen 502 shows a currency exchange confirmation for exchanging the first call "Korean won" as the second currency "US dollar". As a result, the exchange rate of 116 dollars is required for the exchange of 100 dollars, . Then, the screen 502 displays the online money balance of 183,970 won which is a result of subtracting 116,030 won from the user's online money. The name of the currency exchange service provider (entity A) relates to the entity to which the foreign exchange office belongs in which the user receives foreign currency cash.

Although not shown on the screen 502, the exchange confirmation may include a validity period during which the user can receive the foreign currency cash through the foreign exchange office on the off-line, or a list of foreign exchange offices.

FIG. 6 is a flowchart illustrating a process of transferring a currency exchange confirmation to a recipient of a currency exchange confirmation according to the second embodiment of the present invention.

The exchange confirmation letter means a kind of certificate of the right that is required for the user to receive foreign currency cash by the amount of money directly exchanged from the off-exchange office. Such a foreign exchange confirmation document is a document in which a foreign currency amount and a currency exchange currency have already been confirmed, so that it can be transferred from a user to a third party. That is, when the third party receives the exchange confirmation from the user, the third party can receive the foreign currency cash corresponding to the exchange money described in the exchange confirmation on behalf of the user. According to an embodiment of the present invention, the third party may be the exchange confirmation recipient who has established a personal relationship with the user.

The process of transferring the exchange confirmation certificate in FIG. 6 proceeds after the device 1 101 receives the exchange confirmation certificate from the exchange intermediation server 100 in step 214 of FIG.

In step S601, the user's device 1 101 can select a currency exchange confirmation. This means that there is at least one exchange confirmation sent to the device 1 (101).

In step S602, the user's device 1 (101) can select the recipient of the exchange confirmation certificate to which to transfer the exchange confirmation. Here, the recipient of the exchange confirmation certificate to which the exchange confirmation certificate is to be transferred may be selected from the list of the exchange confirmation receivers of the user registered in the exchange brokerage server 100. [ However, the recipient of the exchange confirmation statement included in the list of exchange confirmation recipients may not (i) subscribe to the same application or service as the application or service used by the user, (ii) the user has entered personal information such as phone number or email, and iii) third parties set as friends in an instant messaging service or a social network service. Alternatively, the recipient of the exchange confirmation included in the list of exchange confirmation recipients means the subscriber who has established a personal relationship with the user among those subscribing to the same currency exchange service as the user.

In step S603, the user's device 1 (101) can transmit a transfer request of the exchange confirmation to the exchange mediation server (100). Then, in step S604, the exchange mediation server 100 may transmit the receipt request of the exchange confirmation to the device 2 (105) of the exchange confirmation receipt selected by the user.

To this end, the exchange mediating server 100 may determine whether or not the exchange confirmation is valid. Specifically. The exchange mediation server 100 can determine whether the recipient of the exchange confirmation letter to transfer the exchange confirmation letter is in a valid relationship (e.g., whether the friend selected by the user is actually a friend relationship). In other words, if the recipient of the exchange confirmation letter releases his / her personal relationship with the user, or if the recipient of the exchange confirmation letter can not use the exchange service (eg, a friend), the exchange confirmation letter is sent to the recipient ex) family or a very limited range of friends), the exchange confirmation may be determined to be invalid.

Alternatively, the exchange confirmation may be determined to be invalid if the time of the transfer request for the exchange confirmation does not belong to the validity period set in the exchange confirmation certificate, or is less than a predetermined period (ex. 1 week) from the last day of the validity period .

Alternatively, if the request for transfer of the exchange confirmation has occurred after the user has already received the foreign currency cash via the exchange confirmation, the exchange confirmation may be determined to be invalid. That is, in order for the exchange confirmation to be transferred from the user to the recipient of the exchange confirmation, the user should not use the exchange confirmation to receive the foreign currency cash at the off-exchange office.

In step S605, the device 2 105, in response to the receipt request, may transmit the receipt confirmation to the exchange mediation server 100 as a result of receiving the exchange confirmation.

In step S606, the exchange mediating server 100 may modify the exchange confirmation. Specifically, the exchange intermediary server 100 may change the foreign currency buyer included in the exchange confirmation certificate from the user to the exchange confirmation recipient.

In step S607, the exchange mediating server 100 may transmit the transfer result of the exchange confirmation to the user's device 1 (101). Then, in step S608, the exchange intermediation server 100 can transmit the exchange confirmation certificate to the device 2 (105) of the exchange confirmation receipt. 3, the process of receiving the foreign currency cash using the foreign exchange confirmation can be similarly applied to the device 2 (105) of the foreign exchange confirmation recipient.

7 is a diagram showing an example of assigning the exchange confirmation certificate according to the second embodiment of the present invention.

A screen 701 displays a list of exchange confirmation letters including a plurality of exchange confirmation letters on the user's device 1 (101). The user can already issue a currency exchange order and receive a plurality of exchange confirmation letters to the device 1 (101). Then, the user can select at least one exchange confirmation letter to be transferred to the recipient of the exchange confirmation certificate among the plurality of exchange confirmation letters.

Although not shown in Fig. 7, the device 1 (101) can provide an interface for selecting the recipient of the exchange confirmation to receive the exchange confirmation. The user can then use the interface to select the recipient of the exchange confirmation to send the exchange confirmation.

The exchange intermediation server 100 may inquire the recipient of the exchange confirmation to transfer the exchange confirmation selected by the user and may transfer the exchange confirmation if the recipient agrees to transfer the exchange confirmation. Also, although not shown in FIG. 7, the exchange mediation server 100 may request the user to input the password for the online money, in order to be transferred from the user to the exchange confirmation recipient.

In this case, as shown in the screen 702, the exchange confirmation can be delivered through the application that is the basis when the user and the recipient of the exchange confirmation note form a personal relationship. For example, if the user and the recipient of the exchange confirmation receipt are in the recipient relationship of the exchange confirmation in the instant messaging service, the exchange confirmation can be delivered through the chat window with the user and the recipient of the exchange confirmation. Of course, according to one embodiment of the present invention, the exchange confirmation may be transferred through an application other than the instant messaging service.

When transfer of the exchange confirmation is completed, the user's online money is deducted as much as the exchange amount indicated in the exchange confirmation, but in practice, the foreign currency cash can be authorized by the recipient of the exchange confirmation, not the user. If the user wishes to receive the foreign currency cash with the same currency exchange confirmation after the exchange confirmation certificate is transferred, it is confirmed in step S304 that the user is not entitled to exchange currency transaction with respect to the exchange confirmation certificate, It can be judged impossible. The exchange confirmation letter may be transferred as a fee or transferred free of charge when transferred from the user to the recipient of the exchange confirmation.

FIG. 8 is a flowchart illustrating a process of performing a reverse exchange service without bidding according to the third embodiment of the present invention.

Figures 8 and 9 illustrate the reverse exchange service. Reverse currency exchange service means the exchange of foreign currency cash from the second currency, such as coins and banknotes, into the first currency. That is, the reverse exchange service described in FIGS. 8 and 9 means the reverse process of the exchange service described in FIGS. FIG. 8 shows a process in which a reverse exchange service is proceeded without a bid when the exchange service providing server 102 connected to the exchange intermediation server 100 is previously designated or one.

In step S801, the device 1 101 can transmit the reverse currency exchange request to the exchange intermediation server 100. [ Before the application for the reverse exchange, the exchange mediation server 100 refers to the result of reflecting the exchange rate commission of the exchange intermediation server 100 on the exchange rate information or the exchange rate information received from the exchange service providing server 102 as the reference exchange rate, . Thus, the user's device 1 (101) can provide the reference exchange rate for the reverse exchange application.

If the exchange service as in Example 1 means that the currency of the first country is changed to the currency of the second country, then the reverse currency exchange service means that the currency of the second country is converted into the currency of the first country.

In order to apply for a currency exchange, the user must: (i) place a coin or banknote on a currency exchange, such as a turret or envelope, distributed by a currency exchange service provider within the means of a plane, aircraft, train, (Eg, barcode or QR code) displayed on the bag or envelope after inserting the carton box, or (ii) an unmanned receiver (eg, vending machine), a currency exchange medium installed by the exchange service provider, A coin or a bill may be inserted and the identification code displayed on the unmanned receiver may be recognized or the identification number (e.g., telephone number) of the device 1 101 may be input to the unmanned receiver.

In step S802, the currency exchange mediation server 100 may generate a reverse currency exchange application. The reverse exchange application forms the information of the user who applied for the reverse exchange service (account information, the identification number (eg telephone number) of the device 1), the exchange amount of the second currency to exchange currency, the number and kind of coins / .

Then, in step 803, the currency exchange mediation server 100 can transmit the exchange request to the exchange service providing server 102. [ If the exchange service providing server 102 agrees to the reverse exchange service in response to the reverse exchange request, in step S804, the exchange service providing server 102 transmits a result of the reverse exchange service connection to the exchange intermediation server 100 ).

Thereafter, in step S805, the currency exchange mediation server 100 may transmit to the device 1 101 a request to confirm whether or not to proceed with the reverse currency exchange service. If the user has decided to proceed with the reverse exchange service, the device 1 (101) can transmit a confirmation request for the reverse exchange service to the exchange intermediation server 100. In step S807, the exchange mediating server 100 may transmit a confirmation request for the exchange service to the exchange service providing server 102. [ If the exchange service providing server 102 confirms the request for confirmation of the reverse exchange service, in step S808, the exchange service providing server 102 transmits the completion of the transaction for the reverse exchange service to the exchange intermediation server 100 Lt; / RTI > Meanwhile, the exchange service providing server 102 accounts for the exchange amount determined by applying the reference exchange rate to the value held by the coins or bills of the second country, and transfers the exchange amount to the account connected to the exchange intermediation server 100 can do.

In step S809, the exchange mediating server 100 updates the online money corresponding to the user's account by the exchange amount (currency of the first country) determined through the reverse exchange service based on completion of the transaction for the reverse exchange service can do. That is, the user's online money can be increased by the amount of money exchanged through the reverse exchange service. In step S810, the exchange mediating server 100 may transmit the processing result of the reverse exchange service to the user's device 1 (101).

9 is a flowchart illustrating a process of performing a reverse exchange service through a bid according to the third embodiment of the present invention.

9 is a flowchart illustrating a process of performing a reverse exchange service by bidding for a plurality of exchange service providing servers 102 connected to the exchange intermediation server 100 and bidding for exchange service providers attempting to participate in a reverse exchange service .

In step S901, the user's device 1 (101) can transmit a reverse exchange request to the exchange intermediary server 100. [ For details of the application for the reverse exchange, see step S801 of FIG.

Before the application for the reverse exchange, the exchange mediation server 100 refers to the result of reflecting the exchange rate commission of the exchange intermediation server 100 on the exchange rate information or the exchange rate information received from the exchange service providing server 102 as the reference exchange rate, . Thus, the user's device 1 (101) can provide the reference exchange rate for the reverse exchange application.

In step S902, the currency exchange mediation server 100 may generate a reverse currency exchange application. The reverse exchange application forms the information of the user who applied for the reverse exchange service (account information, the identification number (eg telephone number) of the device 1), the exchange amount of the second currency to exchange currency, the number and kind of coins / . In step S903, the currency exchange mediation server 100 may transmit a request for a currency exchange reverse bid to the exchange service providing server 102. [

In step S904, the exchange service providing server 102 may transmit the bid participation of the reverse exchange to the exchange intermediary server 100 in response to the bid request of the reverse exchange.

In step S905, the currency exchange mediation server 100 can sort the result of the bid of the currency exchange.

In step S906, the currency exchange mediation server 100 may transmit the auction result of the reverse currency exchange to the user's device 1 (101).

In step S907, the user's device 1 (101) may transmit an order request for the reverse exchange to the exchange mediation server 100 in response to the auction result of the reverse exchange.

In step S908, the currency exchange mediation server 100 may perform the ordering of the reverse currency exchange in response to the order application of the reverse currency exchange. In step S909, the exchange mediating server 100 may transmit a confirmation request for the reverse exchange service to the exchange service providing server 102. [ If the exchange service providing server 102 confirms the request for confirmation of the reverse exchange service, in step S910, the exchange service providing server 102 transmits the completion of the transaction for the reverse exchange service to the exchange intermediation server 100 Lt; / RTI > Meanwhile, the exchange service providing server 102 accounts for the exchange amount determined by applying the reference exchange rate to the value held by the coins or bills of the second country, and transfers the exchange amount to the account connected to the exchange intermediation server 100 can do.

In step S911, the exchange mediating server 100 may update the user's online money in accordance with the exchange amount determined according to the reverse exchange. Specifically, the exchange mediating server 100 can update the online money corresponding to the user's account by the exchange amount (the currency of the first country) determined through the reverse exchange service based on completion of the transaction for the reverse exchange service . That is, the user's online money can be increased by the amount of money exchanged through the reverse exchange service.

In step S912, the exchange mediating server 100 may transmit the result of the reverse exchange to the exchange service providing server 102. [ In addition, in step S913, the exchange mediating server 100 may transmit the result of the reverse exchange to the user's device 1 (101).

10 is a flowchart showing an example of application for reverse currency exchange according to the third embodiment of the present invention.

A screen 1001 shows a process of recognizing an identification code for a reverse exchange service. As described in Fig. 8, the present invention can provide a reverse exchange service to the user. If the exchange service means that the exchange of money from the currency of the first country to the currency of the second country, the reverse exchange service means the exchange of money from the currency of the second country to the currency of the first country.

In order to apply for a currency exchange, the user must: (i) place a coin or banknote on a currency exchange, such as a turret or envelope, distributed by a currency exchange service provider within the means of a plane, aircraft, train, (Eg, barcode or QR code) displayed on the bag or envelope after inserting the carton box, or (ii) an unmanned receiver (eg, vending machine), a currency exchange medium installed by the exchange service provider, After inserting coins or notes, it is necessary to recognize the identification code displayed on the unmanned receiver. That is, the screen 1001 shows the process of recognizing the identification code displayed on the exchange medium for the application of the reverse exchange.

Screen 1002 shows an example of requesting reverse currency exchange. The user can insert a coin or banknote, which is the currency of the second country, into the currency exchange medium to apply for the currency exchange, and then input the exchange currency application amount corresponding to the currency of the second country to be exchanged. The reverse exchange application amount is determined by combining the number of coins or notes with the value of the coins or notes.

At this time, the anticipated exchange rate is determined by combining the anticipated exchange rate with the reverse exchange rate. Here, the anticipated exchange rate may be determined based on the exchange rate information transmitted from the exchange service providing server 102 to the exchange intermediation server 100. Specifically, the expected exchange rate means a result obtained by applying the exchange brokerage fee set in the exchange brokerage server 100 to the cash purchase rate provided by the exchange service providing server 102.

11 is a diagram showing an example of a reverse conversion result screen according to the third embodiment of the present invention.

Fig. 11 shows the process after the process of Fig. The screen 1101 is a screen for requesting the user to input the password for managing the money on the exchange money mediating server 100. That is, in the screen 501, when the user inputs the password, the exchange order is actually concluded, and the online money converted from the balance included in the user's account can be updated by the amount of money exchanged.

A screen 1102 shows a result of the exchange service being concluded for the exchange service providing server 102. Specifically, it shows the result of the user reversing USD 5 (coin or banknote) of the US currency of the second country. At this time, the reference exchange rate may be a result of applying a brokerage fee to the cash purchase rate or the cash purchase rate applied when the exchange service providing server 102 purchases 5 dollars, which is the currency of the second country.

And the company that purchases the coin, which is the currency of the second country, may be the A company (the exchange service provider). The company A may be a currency exchange service provider that is exclusively connected to the exchange intermediation server 100 without a bidding process as shown in FIG. Alternatively, the company A may be a user of the exchange service provider selected through a bidding process among a plurality of exchange service providers as shown in FIG.

The exchange amount determined through the reverse exchange service may be added to the online money corresponding to the user's account. Therefore, the online money corresponding to the account of the user in the reverse exchange result may be updated by adding the exchange amount. The reverse currency exchange amount determined through the reverse exchange service may be deposited into the account of the user corresponding to the online money from the exchange service providing server 102 before or before the transfer date of the reverse money exchange amount.

According to an embodiment of the present invention, it is possible to apply for a currency exchange through a device of a user irrespective of a transaction with a financial company based on online money. For this purpose, a social network service or an instant messaging service may be combined with a currency exchange service.

According to an embodiment of the present invention, foreign currency cash can be exchanged more conveniently by using a currency exchange confirmation that can receive foreign currency cash through an off-line exchange office. The exchange confirmation can be transferred between the users, and the user who has the exchange confirmation certificate can receive the foreign currency cash by submitting the exchange confirmation to the exchange office. The exchange amount listed on the exchange confirmation can be paid within the range of the user's online money.

Such a currency exchange service can provide an optimal exchange rate to a user by applying a bidding process between exchange service providers. In particular, the exchange brokerage server provides a platform for payment of exchange rate information and exchange money through online money, and the receipt of actual foreign currency cash is made at the exchange office through exchange confirmation, so that the exchange service providers compete with each other, To be presented.

On the other hand, in the case of foreign coins or foreign currencies, it is difficult to dispose and store, and it is difficult for users to handle because of the poor exchange rate. However, according to one embodiment of the present invention, foreign currency or coins are converted into online money A platform that can be processed more efficiently can be provided.

The methods according to embodiments of the present invention may be implemented in the form of program instructions 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 recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

100: Money exchange mediation server
101: Device 1 (user)
102-1 to 102-N: a currency exchange service providing server
103-1 to 103-N: Exchange office terminal
104: financial server
105: Device 2 (recipient of exchange confirmation)

Claims (6)

A method for providing a currency exchange service performed by a currency exchange mediation server,
Receiving an application for a reverse currency exchange service for exchanging a currency of a second country issued as a coin or banknote from a user's device to a currency of the first country;
Generating a reverse exchange application in response to the application and delivering it to at least one exchange service providing server;
Transmitting a request for confirmation of the reverse exchange service to the exchange service providing server providing the reverse exchange service among the at least one exchange service providing servers;
Updating the exchange money corresponding to the currency of the first country, which has been reversed, to the online money of the user when the completion of the transaction for the reverse exchange service for the confirmation request is received
The method comprising the steps of: The method according to claim 1,
The above-
To the exchange service providing server determined according to the result of the auction for the reverse exchange service, or to the exchange service providing server connected to the exchange intermediation server for the reverse exchange service regardless of the result of the auction. The method according to claim 1,
Wherein the step of receiving an application for the reverse-
Receiving an application for a reverse currency exchange service by recognizing an identification code displayed on at least one of an envelope, a bag, or a storage device that has received a coin or banknote corresponding to the currency of the second country. The method according to claim 1,
The application for the reverse exchange service may include,
The device of the user recognizes (i) the identification code displayed on the exchange medium after the coin or banknote is put into the exchange medium distributed by the exchange service provider in the transportation means returning from the second country to the first country and (ii) recognizing the identification code displayed on the unmanned receiver after the coin or banknote of the second country is inserted into the unmanned receiver, which is a currency exchange medium established by the exchange service provider. A method for providing a currency exchange service performed by a user device,
Recognizing an identification code for a currency exchange medium for a currency exchange service for exchanging a currency of a second country issued with a coin or paper money into a currency of the first country;
Transmitting an application for a reverse exchange service corresponding to the identification code to the exchange mediation server;
Transmitting an order application for the reverse exchange service to the exchange mediation server in response to a bid result received from the exchange mediation server or a reverse exchange confirmation request of the exchange service providing server;
Receiving a result of the reverse exchange service corresponding to the order application
Lt; / RTI >
The user's online money,
After the completion of the transaction for the reverse exchange service, is updated by the exchange amount corresponding to the currency of the first reverse country. 6. The method of claim 5,
The application for the reverse exchange service may include,
The device of the user recognizes (i) the identification code displayed on the exchange medium after the coin or banknote is put into the exchange medium distributed by the exchange service provider in the transportation means returning from the second country to the first country and (ii) recognizing the identification code displayed on the unmanned receiver after the coin or banknote of the second country is inserted into the unmanned receiver, which is a currency exchange medium established by the exchange service provider.

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