KR20180100101A - System for providing global money transferring service - Google Patents

Abstract

The present invention relates to a system for providing an overseas remittance service between first and second countries. The system comprises: a first country remitter client for transmitting a remittance request including information on a remittance amount and a remittee of a second country to a service provider server; a first country local partner server for collecting the amount corresponding to the remittance amount from an account of the remitter, and transmitting approval information on the remittance request to the service provider server when the collection of money is completed; a service provider server for receiving the remittance request transmitted by a remitter client, calculating a first amount to be received by the remittee in consideration of an exchange rate and a commission, and transmitting the remittance request to a second country local partner server when the approval information is received from a remittance country local partner server; and a second country local partner server for transmitting the first amount to the account of the remittee when the remittance request is received from the service provider server.

Description

SYSTEM PROVIDING GLOBAL MONEY TRANSFERING SERVICE [0001]

The present invention relates to a system for providing an international remittance service using PINTECH.

PinTech is a combination of finance and technology, which refers to the transformation of financial services and industry through the convergence of finance and IT. The changes in financial services include technology-based financial services that utilize new IT technologies, such as mobile, SNS, and Big Data, to provide financial services differentiated from existing financial technologies. Innovative non-financial companies Technology to provide financial services such as payment settlement directly to users. The convergence trend of IT and finance is spreading around the world, and thus the number of cross-border transactions and the number of financial transactions through online and mobile are increasing.

Published Korean Patent Application No. 10-2016-0022204, published Feb. 29, 2016

A problem to be solved by the present invention is to provide a system for providing a remittance service using PINTECH.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a system for providing an international remittance service between a first country and a second country, the remittance request including a remittance amount and remittee information of the second country, To the provider server, a money amount corresponding to the remittance amount from an account of the remitter of the first country and an account of the remitter, and transmits approval information for the remittance request to the service provider server when the remittance is completed 1 national local partner server, receives the remittance request transmitted from the remitter client, calculates a first amount to be received by the remittee in consideration of the exchange rate and the fee, and receives the approval information from the remitting national local partner server Sending the remittance request to a second national local partner server, wherein the service provider server and the service When Confucius from the server receiving the transfer request, and a second national partners, local servers that transfer the first amount to the account of the payee.

In addition, the service provider server may calculate a second amount that the remittee can receive when exchanging or remitting the remittance amount through a specific bank, and the information on the calculated first amount, And send the information on the difference in the second amount to the sender client.

Further, the sender client may receive information on a specific commodity from the sender, display the received first amount on the screen, and purchase the difference amount based on the difference and the unit price of the specific commodity The number of the specific goods can be calculated, and the calculated number can be displayed on the screen.

The service provider server may further include information on exchange rate fluctuations between the first country and the second country, information on one or more time points at which the remittance request is received from the sender, Information to the sender client, and the sender client can display information on the exchange rate change and information on the one or more viewpoints on a graph on the screen.

In addition, the service provider server may provide a notification to the remitter client when the current exchange rate falls below the average exchange rate.

In addition, the service provider server may cause the first national local partner server to collect a predetermined amount from the account of the sender in response to the request of the sender, and the service provider server may transmit the collected amount As a deposit for the sender, and deduct a part or all of the remittance from the deposit.

In addition, the service provider server may exchange the stored deposit to the currency of the second country when the exchange rate for the second country falls below a predetermined reference exchange rate, and store the exchanged deposit.

Also, the service provider server may perform remittance to the second country by deducting the remittance from the deposit when the exchange rate for the second country falls below a predetermined reference rate.

The service provider server may further include a service provider server for receiving the exchange request from the first user of the first country and the second user of the second country, The user's deposit and the deposit of the second user can be exchanged.

Also, the first national local partner server and the second national local partner server may exchange information for mutual settlement based on the money remitted through the service provider server for the predetermined period every predetermined period .

Other specific details of the invention are included in the detailed description and drawings.

In general, for overseas remittances, it is time consuming and costly to go through the banks of both countries, since the actual exchange and inter-country remittance are required.

According to the disclosed embodiment, the time and fee required for remittance can be greatly reduced.

In addition, it is possible to make overseas remittance possible only by registering the account number and personal information without complicated procedure, and the system can automatically match the remittance request and the deposit history, thereby achieving the processing speed and reliability at the same time .

In addition, it simplifies the procedures required for bill issuance and overseas remittance, and reduces the time required and the fee for commissioning, thereby enabling the promotion of commerce between countries.

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

1 is a diagram illustrating a system for providing an international remittance service according to an exemplary embodiment of the present invention.
FIG. 2 is a diagram illustrating a system for providing an international remittance service according to the embodiment shown in FIG. 1. Referring to FIG.
3 is a diagram illustrating a screen for an overseas remittance service according to an exemplary embodiment of the present invention.
4 is a diagram illustrating a method of providing exchange rate information according to an exemplary embodiment of the present invention.
5 is a diagram illustrating a method for managing a deposit in accordance with one embodiment.
FIG. 6 is a diagram illustrating a system for providing an international remittance service according to another embodiment.
FIG. 7 illustrates a system for providing an overseas billing service according to an embodiment.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, Is provided to fully convey the scope of the present invention to a technician, and the present invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element. Like reference numerals refer to like elements throughout the specification and "and / or" include each and every combination of one or more of the elements mentioned.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense that is commonly understood by one of ordinary skill in the art to which this invention belongs. In addition, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

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

In the disclosed embodiments, it is assumed that a remitter in Korea sends a remittance to the United States or a remitter in the United States remittances to Korea. However, there is no limit to the countries that are subject to and subject to remittance.

1 is a diagram illustrating a system for providing an international remittance service according to an exemplary embodiment of the present invention.

Referring to FIG. 1, a system 10 for providing remittance services for remittance from the Republic of Korea to the United States is shown. Hereinafter, with regard to the system 10, it is assumed that a remitter 100 in Korea sends money to the United States.

Referring to FIG. 1, the system 10 includes a Korean sender 100, a service provider 120, a Korean local partner 122, a US recipient 200, and an American local partner 220. Each of the Korean sender 100, the service provider 120, the Korean local partner 122, the US recipient 200 and the US local partner 220 shown in FIG. Device or server.

For example, the Korean sender 100 and the US recipient 200 refer to clients or computing terminals of the Korean remitter 100 and the US recipient 200, respectively. In addition, the service provider 120, the Korean local partner 122, and the US local partner 220 refer to respective servers.

In step S102, the sender 100 in Korea requests the remittance service provider 120 to remit money to the remittee 200 in the United States. In one embodiment, the remittance request may be made via the Internet.

The service provider 120 may apply the real-time exchange rate to convert the amount requested by the sender 100 and calculate the commission.

In one embodiment, the service provider 120 may provide the sender 100 with the result of converting the original currency requested by the sender 100 to dollars. In another embodiment, the service provider 120 may provide the sender 100 with the result of converting the dollar requested by the sender 100 to the original currency.

In step S104, the Korean local partner 122 performs the collection from the sender 100 in Korea. For example, the Korean local partner 122 may use the information on at least one account of the sender 100 to perform a settlement from at least one account of the sender 100.

The information on at least one account of the sender 100 may include at least one of a transaction bank, an account number, an account password, a bank ID and password of the sender 100, but is not limited thereto.

In one embodiment, the sender 100 may have a deposit to the service provider 120. In this case, the service provider 120 performs the remittance using the deposit of the sender 100 without conducting the settlement through the local partner 122 in Korea.

In step S106, the Korean local partner 122 transmits information for approving the remittance request of the remitter 100 to the service provider 120 when the remittance is completed from the remitter 100. [

In step S108, the service provider 120 transmits remittance information to the remittee 200 in the United States to the local partner 220 in the United States.

In step S110, the local partner 220 in the United States transfers the dollar corresponding to the won transferred by the sender 100 to the account of the recipient 200 in the United States.

In step S112, the service provider 120 transmits remittance information of the sender 100 to the remittee 200 in the United States.

In one embodiment, the service provider 120 may deliver the remittance message to the remittee 200 for the purpose of remittance to the remittee 200. [

For example, the sender 100 may have sent money to celebrate the recipient's birthday. In this case, the service provider 120 can transmit the birthday card image and the birthday message created by the sender 100 together with the remittance information.

In one embodiment, the service provider 120 may automatically determine the remittance purpose based on the personal information of the remitter 100 or the remittee 200. [ For example, if the remittance date is the birthday of the remittee 200, the service provider 120 can automatically generate and send a birthday message. Alternatively, the service provider 120 may generate a message based on information about the date the remittance was made. For example, in the case of Christmas or Parental Day, images and messages corresponding to the dates may be automatically generated and transmitted to the recipient 200.

As another example, the sender 100 may have made a remittance to settle the cost. In this case, the service provider 120 can transmit the information on the object of settlement together with the remittance information.

As another example, the sender 100 may perform periodic remittances such as allowance or rent. In this case, the service provider 120 may automatically generate the remittance message based on the past remittance history of the sender 100, and may transmit the remittance message together with the remittance information.

In step S114, the Korean local partner 122 will settle the amount remitted periodically to the local partner 220 in the United States.

FIG. 2 is a diagram illustrating a system for providing an international remittance service according to the embodiment shown in FIG. 1. Referring to FIG.

Referring to FIG. 2, there is shown a system 20 for providing a remittance service for remittance from the United States to Korea. In connection with the system 20 below, it is assumed that a remitter 260 in the United States remittances to Korea.

2, the system 20 includes a United States sender 260, a service provider 120, a Korean local partner 122, a Korean recipient 160 and an American local partner 220. Each of the US remitter 260, the service provider 120, the Korean local partner 122, the Korean payee 160 and the US local partner 220 shown in FIG. Device or server.

For example, the US sender 260 and the Korean recipient 160 refer to the client or computing terminal of the US sender 260 and the Korean recipient 160, respectively. In addition, the service provider 120, the Korean local partner 122, and the US local partner 220 refer to respective servers.

FIG. 2 is a diagram showing another example of a system for providing an overseas remittance service shown in FIG. 1. Even if omitted from FIG. 2, the contents described with reference to FIG. It can also be applied to systems that provide overseas remittance services.

In step S202, the sender 260 in the United States requests the remittance service provider 120 to send remittance to the remittee 160 in Korea.

In step S204, the US local partner 220 performs the collection from the sender 260 in the United States.

In step S206, the US local partner 220 sends information to the service provider 120 to approve the remittance request of the remitter 260 when the remittance is completed from the remitter 260. [

In step S208, the service provider 120 transmits the remittance information to the Korean remittee 160 to the local partner 122 in Korea.

In step S210, the Korean local partner 122 remits the currency corresponding to the dollar remitted by the remitter 260 to the account of the remittee 160 in Korea.

In step S212, the service provider 120 transmits remittance information of the remitter 260 to the remittee 160 in Korea.

In step S214, the US local partner 220 will settle the amount remitted periodically to the local partner 122 in Korea.

3 is a diagram illustrating a screen for an overseas remittance service according to an exemplary embodiment of the present invention.

The screen of the overseas remittance service shown in FIG. 3 shows a screen displayed on the sender's client. In one embodiment, some or all of the information displayed on the screen is received from the remittance service provider 120 by the sender's client.

Referring to FIG. 3, the remittance service screen displays the amount sent and the amount received corresponding to the amount sent. In addition, the foreign remittance service screen displays the call selection buttons 310 and 320 for selecting the type of the received amount corresponding to the amount sent and the amount sent.

In one embodiment, if the amount sent by the sender is entered, the amount received by the recipient may be displayed by calculating the exchange rate and the fee. In addition, when the amount received is input, the exchange rate and the fee may be calculated and the amount that the sender should send is displayed.

In one embodiment, the amount of money and the type of currency may be set basically using information on past remittance details of the remitter and remittee. The sender can perform the remittance by using the default amount and type of currency, or by directly inputting the type of the amount and currency.

In one embodiment, the remittance service screen displays a savings amount compared to remitting money via a bank. The foreign remittance service method according to the disclosed embodiment saves the exchange fee and the transfer fee due to economies of scale since local partners in Korea and the United States perform regular settlement.

Referring to the example shown in FIG. 3, it is shown that about 41,200 won is saved in exchanging and transferring 1 million won to the United States.

In one embodiment, the screen of the overseas remittance service is displayed visually by replacing the savings amount with another commodity. The remittance service screen of the user can display goods that can be purchased at 41,200 won saved by the user using the remittance service according to the disclosed embodiment.

For example, the International Remittance Service screen can show you how many cups of coffee, hamburgers, or beer you can afford with a savings of 41,200 won. The type of goods displayed on the remittance service screen can be set by the user. The user can display an image of the desired commodity on the remittance service screen.

As another example, a user can set a commodity that is more expensive than a commission saving. In this case, it may be set as a target to save money for purchasing a desired commodity by saving the remittance fee for overseas remittance. Thus, the remittance service screen may display the percentage of the commodity price desired by the user, as the sum of the commission thus far saved.

In one embodiment, the remittance service screen may display the estimated arrival date calculated based on the time when the remitter requested the remittance and information about the receiving country.

In one embodiment, the sender client may send an invitation message for an overseas remittance service based on a phonebook, a contact or other friend list.

For example, the sender client may display a list of one or more buddies on the screen and send an invitation message to the buddy selected by the sender.

In one embodiment, the sender client may send an invite message to the recipient if the recipient does not use the international remittance service according to the disclosed embodiment, and may perform remittance after the recipient subscribes to the service. As another example, remittance to a recipient's account is possible even if the recipient did not subscribe to the international remittance service according to the disclosed embodiment.

4 is a diagram illustrating a method of providing exchange rate information according to an exemplary embodiment of the present invention.

Referring to FIG. 4, a graph showing the exchange rate of USD versus Hanwha is shown as an example.

In one embodiment, the service provider 120 provides information on exchange rate fluctuations and information on the time of one or more remittances from the sender in the past to the sender client. The sender client can display the exchange rate fluctuation graph based on the received information and display the sending time point on the graph.

For example, in the graph shown in Fig. 4, four transfer points 1 to 4 are indicated by dots.

In addition, the service provider 120 or the sender client can calculate the average exchange rate at the time of one or more remittances. The sender client can display the average exchange rate and the real-time exchange rate.

In one embodiment, the service provider 120 provides a reminder to the sender client when the real-time exchange rate reaches a predetermined point. For example, the service provider 120 may provide notification to the sender client when the real-time exchange rate falls below the sender's average exchange rate. The service provider 120 can provide a notification using a push notification, a text message, or an e-mail, but the method of providing the notification is not limited.

5 is a diagram illustrating a method for managing a deposit in accordance with one embodiment.

In one embodiment, the service provider 120 may manage the users' deposits.

For example, the service provider 120 causes the local partner server of the user country to collect a predetermined amount from the user's account at the request of the user. The service provider 120 may store the collected money as a deposit at the request of the user, and may remit some or all of the remittance amount after deducting the remittance amount when the user requests the remittance at a later time.

In one embodiment, each user can exchange and store the deposit. For example, a user of a first country who requests frequent remittance to a second country may convert some or all of the deposit to the currency of the second country and store it.

In one embodiment, the service provider 120 observes the exchange rate between the first country and the second country. The service provider 120 may exchange the deposit of the user stored in the first national currency into the second national currency and store the deposit if the value of the money in the second country falls below a predetermined reference value.

Also, the service provider 120 may automatically perform the remittance to the second country when the money value of the second country falls below a predetermined reference value. For example, the user of the first country may store the deposit for remittance for a predetermined amount, and may perform the remittance if the money value of the second country falls below a predetermined reference value within a predetermined period.

In one embodiment, a deposit exchange between a user in the first country and a user in the second country may occur. For example, if the service provider 120 receives a currency exchange request from a user of a first country and a user of a second country, the service provider 120 may determine that the first user And the deposit of the second user can be exchanged. The service provider 120 can deduct a predetermined amount as a fee even in the deposit exchange process.

In one embodiment, deposits exchanged between a first country and a second country may be used only for remittance to that country. For example, if a user in a first country exchanges a deposit with a currency in a second country and wants to find the exchanged deposit, the user may be required to pay the remittance fee to the first country.

On the other hand, if the user of the first country transfers money to the second country by using the deposit deposited in the currency of the second country, the effect of transferring money to the second country without a separate transfer fee have.

FIG. 6 is a diagram illustrating a system for providing an international remittance service according to another embodiment.

Referring to FIG. 6, there is shown a system 30 for remittance from the Republic of Korea to the United States. In connection with the system 40 below, it is assumed that a remitter 100 in Korea sends money to the United States.

In step S302, the sender 100 in Korea can request remittance to the remittee 200 in the United States to the remittance service provider 120 in the United States. In one embodiment, the remittance request may be made via the Internet.

The service provider 120 may apply the real-time exchange rate to convert the amount requested by the sender 100 and calculate the commission. For example, the sender 100 may ask the United States to send a $ 1000 remittance. In this case, the service provider 120 may convert the requested amount into the original currency using the real-time exchange rate, and request the sender 100 to deposit the sum of the commission. For example, assuming that the exchange rate is 1,000 won / dollar and the fee is 0.5%, the service provider 120 may request the sender 100 to deposit 1,050,000 won. In one embodiment, the amount conversion and fee calculation may be performed using Java but are not limited thereto.

In one embodiment, the service provider 120 may issue a unique number for each request for remittance. In addition, the service provider 120 may instruct the sender 100 to write the name or unique number of the sender in the name of the sender.

In one embodiment, the service provider 120 may create a virtual account 140 in Korea. In another embodiment, the service provider 120 may utilize the Korean virtual account 140 through the PG company. In step S304, the sender 100 may deposit the amount requested by the service provider 120 into the virtual account 140. [

In step S306, the service provider 120 confirms the deposit to the virtual account 140, and confirms whether the remittance request data of the sender 100 and the deposit data of the virtual account 140 are matched.

The service provider 120 can perform the matching by being notified of the deposit details from the system of the virtual account 140. [ The service provider 120 can confirm whether or not the deposit data of the virtual account and the remittance request data are matched by using at least one of the remitter name and remittance amount of the received deposit details.

In one embodiment, the service provider 120 generates a unique number using the country code of the country to which the sender 100 remits, the country code of the country received by the remittee 200, and the time at which the remittance request was received . For example, if the time at which the service provider 120 received the request for remittance from Korea (country code 82) to the United States (country code 01) was 16 minutes 32 seconds at 6:00 pm (18:00) on June 28, 2016, The unique number may be 8201160628181632.

In one embodiment, in the case of using the virtual account 140 through the PG company, the service provider 120 periodically checks whether or not the deposit account is notified from the system of the virtual account 140 by using the program that is always executed can do. In another embodiment, the service provider 120 may cause a matching algorithm to be invoked when the deposit details are notified from the virtual account 140. [

When the virtual account 140 generated by the service provider 120 is used, the service user 120 can directly confirm the deposit details and notify the system of the service provider 120 of the fact of the deposit from the virtual account 140 can do.

In step S308A, the service provider 120 can deliver data related to the remittance request to the US local partner 220. [ The system of the service provider 120 and the US local partner 220 may be interlocked. Data related to the request for remittance may be transmitted in XML format using API, but is not limited thereto.

In step S308B, the deposit history and remittance request may be notified from the system of the Korean virtual account 140 to the system of the US corporate account 240. [ The notification of the deposit details and the remittance request may be made automatically or manually by the manager.

In step S310A, the withdrawal may be automatically made to the US recipient 200 from the US local partner 220 system. The US local partner 220 may receive data related to the remittance request from the service provider 120 and may cause the amount corresponding to the received data to be automatically withdrawn to the account of the US recipient 200. [

In step S310B, a local remittance may be performed from the US corporation account 240 to the remittee 200 in the United States. The system or manager of the US corporate account 240 may analyze the deposit history and remittance requests received from the system of the virtual account 140 in Korea. Based on the received deposit details and the remitting request, the system or manager of the US corporate account 240 may perform the account transfer to the account of the remitter 200 in the United States.

The withdrawal of step S310A and the transfer of money of step S310B may be performed selectively or together. However, in order to prevent the double transfer, the US local partner 220 performing step S310A and the US corporation account 240 performing the step S310B may have to be interlocked.

Referring to FIG. 6, there is shown a system 40 for remittance from the United States to Korea. In connection with the system 40 below, it is assumed that a remitter 260 in the United States remittances to Korea.

A system 40 for remittance to the Republic of Korea from the United States is a time-lapse illustration of an embodiment that a service provider 120 of a system 30 that can remit money from Korea to the United States can perform. Therefore, even if the system 40 that can be remitted from the United States to Korea is omitted, the description of the system 30 that can be remitted from the Republic of Korea to the United States is that the remittance system 40 ).

In step S402, the sender 260 in the United States may request the remittance service provider 120 to remit money to the remittee 160 in Korea. In one embodiment, the remittance request may be made via the Internet.

The service provider 120 may apply the real-time exchange rate to convert the amount requested by the sender 260 and calculate the fee. For example, the sender 260 may request to send one million won to Korea. In this case, the service provider 120 may use the real-time exchange rate to convert the requested amount into dollars, and request the sender 260 to deposit the amount plus the fee. For example, assuming that the exchange rate is 1,000 won / dollar and the fee is 0.5%, the service provider 120 may request the sender 260 to deposit $ 1050. In one embodiment, the amount conversion and fee calculation may be performed using Java but are not limited thereto.

In step S404, the sender 260 may deposit the requested amount of money with the service provider 120 into the account of the US local partner 220. [ In step S406, the service provider 120 confirms the deposit to the account of the US local partner 220 and determines whether the remittance request data of the sender 260 and the deposit data of the account of the US local partner 220 are matched Can be confirmed.

In step S408, the service provider 120 can create a virtual account 140 owned by the recipient 160 in Korea in Korea and link it with the real account of the recipient 160. [ In one embodiment, the service provider 120 may register information about the remittee 160 entered by the sender 260 and the account number of the remittee 160 in the PG's virtual account system.

In step S410, the service provider 120 may remit the amount requested by the sender 260 to the real account of the recipient 160 via the virtual account 140. [ In one embodiment, the system provider 120 may remit to the payee 160 registered in the PG account of the PG company. The remitted money can be deposited into the real account of the recipient 160 via the virtual account of the PG company.

FIG. 7 illustrates a system for providing an overseas billing service according to an embodiment.

The system 50 for providing the overseas billing service can be performed by the service provider 120 shown in Fig. Therefore, even if omitted from FIG. 7, the description of the service provider 120 of FIG. 6 can also be applied to the system 50 of FIG. In one embodiment, the seller 500 may be a seller abroad, and the customer 600 may be a domestic customer.

In step S502, the seller 500 may request the system 50 to issue a bill. In one embodiment, the merchant 500 may apply for billing to the system 50 via the Internet.

In step S504, the system 50 may store data related to the billing application and issue an invoice.

In step S506, the system 50 may forward the bill to the customer 600. [ In one embodiment, the system 50 may communicate an email to the customer 600 that includes a URL accessible to the invoice. The manner in which the invoice is used to communicate to the customer 600 and the form of the invoice are not limited.

In step S508, the customer 600 may input information of the customer 600 to the system 50. [ The information of the customer 600 may include, but is not limited to, a name, an account number, a contact, and the like.

In step S510, the system 50 can use the information of the customer 600 received in step S508 to identify the customer, and guide the bill information and the deposit account 620 to the customer 600. [ The depositing account 620 leading to the customer 600 may be a real account owned by the provider of the system 50 or a virtual account created for the customer 600. [

In one embodiment, if the seller 500 is an overseas seller, the system 50 may convert the amount claimed by the seller 500 by applying the real-time exchange rate. The system 50 can request the customer 600 to deposit the converted money.

In step S512, the customer 600 can deposit the requested amount in the deposit account 620. [

In step S514, the system 50 may match the invoiced amount of the seller 500 with the deposited amount. If the match is successful, the system 50 may determine that the customer 600 has paid the requested amount.

In step S516, the system 50 may create a virtual account 520 owned by the seller 500 and then link it with the real account of the seller 500. [ The system 50 can transmit the amount deposited by the customer 600 to the seller 500 through the virtual account 520. [ In this case, the system 50 may deliver the predetermined fee to the seller 500 in a limited amount.

If the seller 500 is a seller abroad, the system 50 can deliver the money deposited to the seller 500 through the US local partner 220 and the US corporate account 240 shown in FIG.

In step S518, the seller 500 can withdraw the amount of money charged through the virtual account 520. [ If the seller 500 is a seller abroad, the seller 500 can withdraw the amount requested through the US local partner 220 and the US corporation account 240 shown in FIG.

The steps of a method or algorithm described in connection with the embodiments of the present invention may be embodied directly in hardware, in software modules executed in hardware, or in a combination of both. The software module may be a random access memory (RAM), a read only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), a flash memory, a hard disk, a removable disk, a CD- May reside in any form of computer readable recording medium known in the art to which the invention pertains.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

10: System to provide overseas remittance service
100: Korean sender
120: Service provider
122: Korean local partner
200: US payee
220: US local partner

Claims (10)

A system for providing an international remittance service between a first country and a second country,
A remitter client of the first country sending a remittance request to the service provider server, the remittance request including remittance amount and information on the remittee of the second country;
A first national local partner server for collecting an amount corresponding to the remittance amount from the account of the sender and transmitting approval information for the remittance request to the service provider server when the remittance is completed;
The first country local partner server receives the remittance request transmitted from the remitter client, calculates a first amount to be received by the remittee in consideration of the exchange rate and the fee, and upon receiving the approval information from the remittance country local partner server, The service provider server transmitting the remittance request to the service provider server; And
The second national local partner server sending the first amount to the recipient's account upon receiving the remittance request from the service provider server; . The method of claim 1, wherein the service provider server further comprises:
When the remittance is exchanged or remitted through a specific bank, a second amount that the remittee can receive is calculated,
And transmits information on the calculated first amount and information on a difference between the first amount and the second amount to the remitter client. The system according to claim 2,
Receiving information on a specific commodity from the sender,
Displaying the received first amount on a screen,
Calculates the number of the specific goods that can be purchased in the difference amount based on the difference amount and the unit price of the specific goods, and displays the calculated number on the screen. The method of claim 1, wherein the service provider server further comprises:
Information on exchange rate fluctuation between the first country and the second country, information on one or more time points at which a remittance request is received from the sender, and information on an average exchange rate of the one or more time points to the remitter client and,
Wherein the sender client comprises:
And graphically displays information on the exchange rate change and information on the one or more time points on the screen. 5. The method of claim 4, wherein the service provider server further comprises:
And provides a notification to the remitter client if the current exchange rate falls below the average exchange rate. The system according to claim 1, wherein the service provider server causes the first national local partner server to collect a predetermined amount from the account of the sender in response to the request of the sender,
Wherein the service provider server stores the collected money as a deposit for the sender upon request of the sender and subtracts some or all of the remittance from the deposit. 7. The method of claim 6, wherein the service provider server further comprises:
And when the exchange rate for the second country falls below a predetermined reference exchange rate, the stored deposit is converted into the currency of the second country, and the exchanged deposit is stored. 7. The method of claim 6, wherein the service provider server further comprises:
And when the exchange rate for the second country falls below a predetermined reference rate, the transfer amount is subtracted from the deposit to perform remittance to the second country. 7. The method of claim 6, wherein the service provider server further comprises:
When receiving a exchange request from a first user of the first country and a second user of the second country,
And exchange the deposit of the first user with the deposit of the second user based on the exchange rate between the first country and the second country. 2. The method of claim 1, wherein the first national local partner server and the second national local partner server,
And exchanges information for reciprocal settlement based on the amount remitted through the service provider server for the predetermined period every predetermined period.

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