KR20190091145A - System for providing overseas financial transaction service - Google Patents

Abstract

A system for providing a foreign financial transaction service is disclosed. According to the present invention, the system comprises: a foreign financial transaction service apparatus including an exchange rate information providing unit linked with a financial institution which provides exchange rate information of a trading country, and a fee information providing unit which provides fee information for a financial transaction service in connection with the financial institution of the trading country; a reception terminal; and a remittance terminal requesting remittance to the foreign financial transaction service apparatus without specifying account information of the financial institution associated with the reception terminal. Accordingly, by providing the system, user convenience can be improved.

Description

System for Overseas Financial Transactions Services {SYSTEM FOR PROVIDING OVERSEAS FINANCIAL TRANSACTION SERVICE}

The present invention relates to a method for providing a foreign financial transaction service and a system using the same.

Looking at a conventional overseas remittance process (eg, Korea to Philippines) for foreign financial transactions, the remitter requests remittances to the remittance financial institution by specifying the remittance amount in the won (KRW) account. The remittance financial institution calculates the current exchange rate and the fee of the remittance financial institution, withdraws it from the sender's won account, and simultaneously sends the full remittance instruction to the recipient financial institution to remit the payment in US dollars. The beneficiary financial institution then transfers the funds in US dollars to the recipient's account.

If the beneficiary requests the beneficiary financial institution to convert the payment to pesos (PHP), the beneficiary financial institution will subtract a certain amount from the US dollar remittance based on the current exchange rate information and fee information, and the beneficiary pesoization account of the beneficiary. Deposit to

As we have seen, in the case of the conventional overseas financial transaction service, the remitter must specify the remittee's account and make the remittance, and the remittance is not confirmed in the currency amount of the recipient country at the time of remittance, and the remittance details of the remittee are delayed. In the non-business hours of financial institutions, remittances were difficult.

Therefore, there is a need for an overseas financial transaction service that has improved this.

On the other hand, the above information is only presented as background information to help the understanding of the present invention. No determination is made as to whether any of the above is applicable as the prior art concerning the present invention, and no claims are made.

Published Patent Publication No. 10-2006-0079290 (published: 2006.7.6)

The present invention has been made to solve the above-described problem, an embodiment of the present invention proposes a system for providing a foreign financial transaction service that can be remitted even if the sender does not specify the recipient's account.

An embodiment of the present invention proposes a system for providing an overseas financial transaction service using a mobile terminal.

One embodiment of the present invention proposes a system for providing an overseas financial transaction service for determining an amount received at the time of remittance.

One embodiment of the present invention proposes a system for providing a foreign financial transaction service that allows the recipient to check the remittance history at the time of remittance.

One embodiment of the present invention proposes a system for providing overseas financial transaction services even during non-business hours of financial institutions.

Technical problems to be achieved in the present invention are not limited to the above-mentioned technical problems, and other technical problems not mentioned above will be clearly understood by those skilled in the art from the following description. Could be.

The system for providing the foreign financial transaction service for realizing the above-mentioned problem is the fee for the financial transaction service in connection with the exchange rate information providing unit linked with the financial institution providing the exchange rate information of the trading country and the financial institution belonging to the trading country. An overseas financial transaction service apparatus including a fee information providing unit for providing information; Receiving terminal; And a remittance terminal for requesting remittance to the foreign financial transaction service apparatus without specifying account information of a financial institution associated with the receiving terminal, wherein the remittance terminal provides specific amount information to the foreign financial transaction service apparatus. And, based on the exchange rate information and the fee information collected from the exchange rate information providing unit and the fee information providing unit, the withdrawal amount information to be withdrawn from the account of the remittance financial institution associated with the remittance terminal, Providing at least one information of remittance amount information and fee information to be remitted to the bureau to the remittance financial institution, and providing at least one of the remittance amount information or the remittance amount information to a remittance financial institution associated with the receiving terminal; Receiving terminal, the payment instruction from the remittance financial institution, When sent to the tube, it is possible to receive a remittance amount or a receivable amount through the receiving financial institution.

The foreign financial transaction service apparatus according to an embodiment of the present invention, before the payment instruction is sent from the remittance financial institution to the receiving financial institution, the withdrawal amount, the remittance amount and the fee amount of the remittance financial institution, and the receipt of the receiving financial institution. Offer financial transactions to confirm the amount.

The remittance terminal according to an embodiment may request the remittance to the overseas financial transaction service apparatus by specifying the phone number information of the receiving terminal.

The specific amount information according to an embodiment may include at least one of a withdrawal amount to be withdrawn from a remittance account corresponding to a remitter, a remittance amount to be remitted from the remittance financial institution to the beneficiary financial institution, or a receivable amount actually received by the remitter. It may include.

The remittance terminal according to an embodiment may log in to a webpage provided by the overseas financial transaction service apparatus, and the overseas financial transaction service apparatus may authenticate the remittance terminal and the remitter.

The foreign financial transaction service apparatus according to an embodiment assigns a unique number corresponding to a remittance and transmits it to the remittance terminal, and the remittance terminal may provide the unique number to the receiving terminal regardless of the foreign financial transaction service apparatus. Can be.

The foreign financial transaction service apparatus according to an embodiment may provide an overseas financial transaction service that provides notification of remittance notice information or remittance completion information through a text message or a PUSH message.

According to various embodiments of the present invention, the following effects may be derived.

First, the user's convenience may be improved by providing an overseas financial transaction service that enables remittance even if the remitter does not specify a receiving account.

Second, the user's convenience can be improved by providing the foreign financial transaction service through the mobile terminal, and the risk of losing the spot currency can be prevented at the source.

Third, since the received amount can be determined at the time of remittance, the reliability of the remittance transaction can be improved and the user's convenience can be improved.

Fourth, by providing a foreign financial transaction service that allows the recipient to check the remittance history at the time of remittance, user convenience can be improved, and transaction prediction can be facilitated.

Fifth, user convenience may be improved by providing foreign financial transaction services even during non-business hours of financial institutions.

Effects obtained in the present invention are not limited to the above-mentioned effects, and other effects not mentioned above may be clearly understood by those skilled in the art from the following description. will be.

1 is a diagram schematically illustrating an overseas financial transaction service system according to an embodiment of the present invention.
2 illustrates a user interface of a remittance or receiving terminal according to an embodiment of the present invention.
3 is a block diagram showing the configuration of an overseas financial transaction service apparatus according to an embodiment of the present invention.
4 and 5 are sequence diagrams illustrating an operation of an overseas financial transaction service system according to various embodiments of the present disclosure.

Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. However, in describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

1 is a diagram schematically illustrating an overseas financial transaction service system 1000 according to an embodiment of the present invention.

According to FIG. 1, the overseas financial transaction service system 1000 may provide a financial transaction service between countries. Overseas financial transaction services may include overseas remittance services, exchange rates and fee calculation services. Hereinafter, a description will be mainly given of an overseas remittance service, which is an example of an overseas financial transaction service.

The overseas financial transaction service system 1000 includes an overseas financial transaction service apparatus 100, a remittance terminal 200A of a first country (transmitting country), a receiving terminal 200B of a second country (receiving country), A remittance financial institution 300A and a beneficiary financial institution 300B of a second country. In addition, the remittance financial institution 300A of the first country and the beneficiary financial institution 300B of the second country may be connected to exchange rate providing servers 400A and 400B, respectively, which provide exchange rate information of each country. The components shown in FIG. 1 are not essential to implementing the foreign financial transaction service system 1000, so that the foreign financial transaction service system 1000 described herein is more than the components listed above, or It may have fewer components. In addition, if the functions described in the present invention can be performed, the connection relationship between the components may also be changed. For example, the exchange rate providing servers 400A and 400B may be directly connected to the foreign financial transaction service apparatus 100 in addition to the financial institutions 300A and 300B.

First, the overseas financial transaction service apparatus 100 is a device for controlling an international money transfer service between countries, and may calculate exchange rates and fees.

The overseas financial transaction service apparatus 100 may update the exchange rate information by receiving the exchange rate information collected from the exchange rate providing server in real time or at a predetermined period by the remittance financial institution 300A or the receiving financial institution 300B.

To this end, the overseas financial transaction service apparatus 100 may collect the exchange rate information for each country in a predetermined cycle or in real time, and may update the exchange rate information every time.

In addition, the overseas financial transaction service apparatus 100 may collect fee information of financial institutions for each country in a predetermined cycle or in real time.

The overseas financial transaction service apparatus 100 may be configured to be used by the remittance financial institution 300B used by the remittee UB in the remitter UA account of the remittance financial institution 300A used by the remitter UA at the request of the remittance terminal 200A. A predetermined amount may be sent to the payee (UB) account.

The foreign financial transaction service apparatus 100 may hold user information of a remitter (UA), financial institution information, financial institution account information, and the like, and may include user information of the recipient (UB), financial institution information, and financial institution account information. , Contact information, and the like.

Accordingly, even if the remitter UA does not know the account information of the payee UB, the foreign bank transaction service device (eg, contact information, e-mail information, SNS (Social Network Service) information, etc.) may be used. You can send money through 100).

In particular, the payee UB is a predetermined amount of money from the beneficiary financial institution 300B, the beneficiary financial device (not shown) using only the information (for example, contact information) of the payee UB even if there is no account associated with the payee UB. Can be withdrawn. However, withdrawal may require more specific security information (eg, the security code of the transfer).

Overseas financial transaction service apparatus 100 according to an embodiment of the present invention in advance how much money is to be remitted to the financial account associated with the receiving terminal 200B at a predetermined time when the remittance terminal 200A transfers money. Able to know. In other words, the overseas financial transaction service apparatus 100 may determine a receipt to be received by the recipient of the recipient country based on exchange rate information and fee information at the time of remittance. Receivables can be confirmed if only the currency species (Won, Dollar, Peso, Pound, etc.) to be received in advance is determined.

2 illustrates a user interface screen of a remittance terminal or a receiving terminal according to an embodiment of the present invention. However, it will be described with the remittance terminal 200 at the time of remittance. Also, reference numerals of FIG. 1 will be referred together.

According to FIG. 2, the user interface screen may be implemented as a mobile web page and may also be implemented as an application. Hereinafter, the screen configuration will be described.

First, an overseas financial transaction service name (“1Q Transfer”) 210 and a login menu 213 may be disposed at the top of the screen.

When the login menu 213 is clicked, the money transfer terminal 200 may log in to the overseas financial transaction service apparatus 100. Overseas financial transaction service device 100 may receive the remitter (UA) linked account information, user information, authentication information, etc. at the time of membership registration, together with frequently remitted account information, contact information, SNS information, email information, etc. You can enter

The remittance terminal 200 may arrange information on a country and a financial institution that a remitter UA prefers to remit, and input the corresponding country and financial institution information on the main screen of the user interface screen. In addition, the remittance terminal 200 may arrange (221, 220) the country of the remittance frequency, the recipient in the main of the screen. However, remittance country information may be displayed.

A remittance menu 215 and a receipt menu 217 may be disposed directly below the login menu 213. Below that, a transaction history inquiry menu 231, a fee guide menu 233, a usage guide menu 235, a coupon information menu 240, and the like may be disposed.

The remittance terminal 200 may encourage the use of the overseas financial transaction service apparatus 100 by providing various coupons to a member, an excellent member, and the like who have joined for the first time. In addition, the remittance terminal 200 may give points according to the number of times of use, and may provide a coupon or the like by placing a difference on the membership level.

3 is a block diagram showing the configuration of the overseas financial transaction service apparatus 100 described above.

The communication unit 110 may communicate with servers of a financial institution of a trading country, and may communicate with a remittance terminal 200 or the like. The communication unit 110 may support wired or wireless communication. The communication unit 110 may more specifically include a receiving unit and a transmitting unit, and the receiving unit may be used to transfer a remitter from a financial institution of a first country (eg, Korea) to a financial institution of a second country (eg, the Philippines). Receiving the remittance request, the remittance request may include the recipient's contact information and the remittance amount in at least a second country.

When the transmitting unit receives the remittance confirmation signal from the subscriber, it transmits the remitted remittance amount and fee information and the total withdrawal amount calculated based on the remittance amount to the first financial institution, and transmits the remitted remittance amount and the received remittance amount information to the second country financial institution. Can be sent to the agency. In addition, the sending unit transmits the remittance amount and the receivable amount information to the financial institution of the second country, and sells the remittance amount as the receivable amount according to the exchange rate information. An order may be sent to a financial institution in the second country to instruct the purchase of currency. By carrying out this transfer, the technology clearly provides the service user with the amount received in the second country at the time of remittance in the first country, while reducing the exchange risk that financial institutions may have in response to fluctuations in exchange rates. Do it.

The display 120 is a configuration used to display a variety of information to the user of the foreign financial transaction service device 100, the country information currently being traded, the financial institutions of the trading country, the exchange rate notification information, transaction information of the transaction financial institutions, etc. Can be displayed. In some embodiments, the display 120 may include a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display (LCD). It may include at least one of a flexible display, a 3D display, an e-ink display.

The storage unit 130 may store various information including user information, exchange rate information, fee information, and the like. In implementation, the storage unit 130 may include a flash memory type, a hard disk type, SSD type (Solid State Disk type), SDD type (Silicon Disk Drive type), multimedia card micro type (multimedia card micro type), card type memory (for example, SD or XD memory, etc.), random access memory; RAM, static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disk and optical disk It may include one type of storage medium. The foreign financial transaction service apparatus 100 may be operated in connection with a web storage that performs a storage function of the storage unit 230 on the Internet.

The control module 140 is a module for controlling the foreign financial transaction service apparatus 100 as a whole. The control module 140 controls the exchange rate information providing unit 141, the authentication unit 143, the fee information providing unit 145, and the subscriber management unit 147. It may include.

In detail, the exchange rate information providing unit 141 may communicate with servers (eg, financial institutions) providing exchange rate information of a trading country to receive exchange rate information in real time or at a predetermined cycle (eg, 1 hour). have. The exchange rate information may include a selling base rate, a cover exchange rate at the time of purchase / purchase, and a customer exchange rate information of the purchase / sale. In addition, the exchange rate information may include exchange rate information used during the day and exchange rate information used at night.

The exchange rate information providing unit 141 may collect exchange rate notification information for each trading country and store the exchange rate information in the storage unit 130. The trading country may include South Korea, the current subsidiary of Canada / China / Indonesia, Southeast Asian ROC of the Philippines, Australia, etc., Savior ROC of the United Kingdom, etc., but the embodiment is not limited thereto.

The authenticator 143 may perform user authentication, terminal authentication, transaction financial institution authentication, and the like. For example, the authenticator 143 may determine whether the remittance terminal is an authenticated terminal, and may determine whether the remitter and the recipient who are connected are authenticated users.

The fee information provider 145 may receive and provide fee information of transaction financial institutions of a trading country. For example, information such as currency exchange fees and transaction fees may be collected in real time or at predetermined intervals.

The subscriber manager 147 is a module for managing subscribers. The subscriber manager 147 may store subscriber information and the like in the storage 130, and may store the subscriber information in consideration of security.

The foreign financial transaction service apparatus 100 may further include an amount calculation unit, and the amount calculation unit may include first and third countries (eg, the United States) that are received from a first country (eg, Korea) financial institution. ) Currency exchange rate information (e.g. exchange rate between Korean Won and US dollar) and second exchange rate of second and third country currency received from the financial institution of the second country (e.g. Philippines) Information (e.g., exchange rates between Philippine Pesos and US dollars), and fee information received from at least one of the first and second country financial institutions and the first and second exchange rate information. Therefore, it is possible to perform the function of calculating the amount received in the currency of the second country.

Hereinafter, the driving flow of the overseas financial transaction service system 1000 will be described with reference to FIGS. 4 and 5. 4 is a sequence diagram illustrating a driving flow of an overseas financial transaction service system 1000 according to an exemplary embodiment. 5 is a sequence diagram illustrating a driving flow of an overseas financial transaction service system 1000 according to another embodiment of the present invention.

According to FIG. 4, the remittance terminal 200A requests a login and remittance to the overseas financial transaction service apparatus 100 (S410).

Here, when the remittance terminal 200A requests a remittance, foreign financial information includes information on the amount of money to be withdrawn from the remittance account of the remitter UA, remittance information to be remitted to the beneficiary financial institution 300B, or receivable information to be received by the remittee UB. The transaction service device 100 may be provided.

In this case, the foreign financial transaction service apparatus 100 may receive, in advance, information about the type of currency (Won, Dollar, Pound) that the recipient UB intends to receive from the receiving terminal 200B or the remitting terminal 200A. .

Next, the overseas financial transaction service apparatus 100 authenticates the remittance terminal 200A and the remitter UA (S415).

Thereafter, the overseas financial transaction service apparatus 100 requests an account withdrawal and separate deposit from the remitter UA or the remittance financial institution 300A associated with the remittance terminal 200A (S420).

Next, the overseas financial transaction service apparatus 100 requests the payment financial institution 300B to process an unpaid amount of the amount remitted (S425).

Here, although the unpaid money has not been remitted yet, it indicates that the receiving financial institution 300B has an amount to be remitted to the remittance financial institution 300A.

The overseas financial transaction service apparatus 100 generates PIN (Personal Identification Number) information for the remittance transaction and provides it to the remittance terminal 200A (S430 and S435).

Here, the PIN information may be security information corresponding to one-time remittance. However, in the implementation, the PIN information may correspond to the remittance terminal 200A and may be security information that is not one-time.

Then, the foreign financial transaction service apparatus 100 notifies the receiving terminal 200B that the transfer is in progress (S440).

The foreign financial transaction service apparatus 100 retains exchange rate information and fee information in real time, so that the amount of the receivable required by the receiving terminal 200B is converted into a specific type of currency (won, peso, dollar, pound, etc.). It can be confirmed regardless.

That is, the receiving terminal 200B may recognize how much money is to be paid in what currency in step S440.

Next, the remittance terminal 200A provides the PIN information to the receiving terminal 200B (S445).

The PIN information may be transmitted through a text message or a push message, and may be provided voluntarily by the remittance terminal 200A to the receiving terminal 200B without the control of the overseas financial transaction service apparatus 100. The PIN information may be required when the payee UB searches for the payout by mobile banking using the paying terminal 200B or when the payee UB searches for the payout in a specific space (bank or a specific store).

Next, the receiving terminal 200B logs in to the overseas financial transaction service apparatus 100 and inputs PIN information (S450).

Thereafter, the overseas financial transaction service apparatus 100 requests the withdrawal financial institution 300A for the separate withdrawal and the party remittance processing (S455).

That is, the overseas financial transaction service apparatus 100 may allow the amount of money deposited in a separate group to be remitted to the receiving financial institution.

Then, the remittance financial institution 300A transmits a remittance payment instruction command to the receiving financial institution 300B (S460).

A remittance payment instruction may be sent by sending a full remittance.

Then, the receiving financial institution 300B receives the remittance and performs withdrawal from the unpaid payment (S465). In addition, the receiving financial institution 300B may provide the foreign financial transaction service apparatus 100 and the receiving terminal 200B as a notification that the withdrawal has been performed (S470, S475).

On the other hand, Figure 5 shows the flow of remittance to the dollar (USD) in the Korean Won (KRW) account, and to the recipient (UB) in the Peso (PHP) in the Philippines. First, the remittance terminal 200A specifies the withdrawal amount in won and transmits it to the overseas financial transaction service apparatus 100 (S510).

Here, the remittance terminal 200A may perform the remittance work by specifying the amount to be withdrawn or the remittance amount to be remitted.

In step S520, the overseas financial transaction service apparatus 100 calculates a remittance amount USD and a fee KRW based on the exchange rate information and the fee information.

In addition, the overseas financial transaction service apparatus 100 calculates an amount of payment (PHP, peso) based on the exchange rate information and the fee information (S530).

The foreign financial transaction service apparatus 100 may collect exchange rate information from financial institutions of each country, and may collect the exchange rate information directly from the foreign exchange rate providing server at the time of implementation.

The overseas financial transaction service apparatus 100 transmits the remittance information to the remittance terminal 200A and the remittance financial institution 300A (S535 and S540), and transmits the remittance information to the remittance financial institution 300B and the receiving terminal 200B. (S545, S550).

In this step, the foreign financial transaction service apparatus purchases an amount corresponding to the received amount in currency of the country to which the beneficiary financial institution belongs, based on the exchange rate information collected at the time of remittance confirmation, so that the beneficiary financial institution meets the square position in the foreign exchange transaction. You can ask the beneficiary financial institution to do so. By fulfilling these requests, the technology provides a clear amount of receivables to service users at the time of remittance, while reducing the financial risk that financial institutions may have.

Through this step, the remittee UB or the receiving terminal 200 may receive the payment amount information by the payee in the remittance step, and may recognize that the remittance is normally performed. In addition, the remitter UA can accurately know information such as the amount to be withdrawn, the amount to be remitted, the amount to be received at the remittance stage, thereby improving user convenience and improving transparency of financial transactions.

Then, the remittance financial institution 300A transmits a payment instruction to the receiving financial institution 300B (S560).

Then, the beneficiary financial institution 300B deposits in the recipient's account in peso (PHP) (S570).

Thereafter, the receiving financial institution 300B provides the information to the receiving terminal 200B as a notification.

Accordingly, the remittee UB can easily receive the receivable.

An overseas financial transaction apparatus that implements such a case may perform the following steps.

The receiving unit of the foreign financial transaction service apparatus receives the remittance request from the remitter from the first financial institution to the financial institution of the second country, and the remittance request may include at least the recipient's contact information and the remittance amount.

The amount calculation unit of the foreign financial transaction service apparatus includes first exchange rate information (for example, exchange rate between Korean Won and US Dollar) of first and third country currencies received from a first country financial institution, and a second country financial institution. Retrieves second exchange rate information (e.g., exchange rates between Philippine Pesos and US dollars) of second and third country currencies received from and is received from at least one of a first country financial institution and a second country financial institution. Based on the fee information, the first exchange rate information, and the second exchange rate information, the amount received may be calculated in the currency of the second country.

Upon receiving the remittance confirmation signal from the remitter, the transmitting unit of the overseas financial transaction service apparatus transmits the remitted remittance amount and fee information and the total withdrawal amount calculated based on the remittance to the financial institution of the first country. Amount information can be sent to a financial institution in a second country.

If it is within business hours, the first exchange rate information or the second exchange rate information is received from the financial institution in the first country or the second country in operation and used as information when receiving the remittance request. Alternatively, when the business hours of the second country financial institution is after, the first exchange rate information and the second exchange rate information may be determined according to the closing exchange rate information of the first country or the second country financial institution. Banks in each country continuously update exchange rate information in the fluctuating exchange rate market during business hours, and determine and close the closing exchange rate used until the next business day after closing, through their own predictions.

When the transmitting unit transmits the remittance amount and the receivable amount information to the financial institution of the second country, the remitter sells the remittance amount as the receivable amount and the currency of the third country corresponding to the receivable amount according to the exchange rate exchange rate information. An order may be sent to the financial institution of the second country to instruct it to buy the currency of the country.

Meanwhile, the functional operations and implementations of the subject matter described in this specification may be implemented in digital electronic circuitry, computer software, firmware or hardware including the structures and structural equivalents disclosed herein, or one or more of them. It can be implemented in combination. Implementations of the subject matter described herein may be embodied as one or more modules related to computer program instructions encoded on a program storage medium of tangible type for controlling or by the operation of one or more computer program products, ie control systems. Can be implemented.

The computer readable medium may be a machine readable storage device, a machine readable storage substrate, a memory device, a composition of materials affecting a machine readable propagated signal, or a combination of one or more thereof.

As used herein, the term "system" or "apparatus" encompasses all the mechanisms, devices, and machines for controlling data, including, for example, programmable processors, computers, or multiple processors or computers. The control system may include, in addition to hardware, code that forms an execution environment for a computer program on demand, such as code constituting processor firmware, a protocol stack, a database management system, an operating system, or a combination of one or more thereof. .

Computer programs (also known as programs, software, software applications, scripts, or code) may be written in any form of programming language, including compiled or interpreted languages, or a priori or procedural languages. It can be deployed in any form, including components, subroutines, or other units suitable for use in a computer environment. Computer programs do not necessarily correspond to files in the file system. A program may be in a single file provided to the requested program, in multiple interactive files (eg, a file that stores one or more modules, subprograms, or parts of code), or part of a file that holds other programs or data. (Eg, one or more scripts stored in a markup language document). The computer program may be deployed to run on a single computer or on multiple computers located at one site or distributed across multiple sites and interconnected by a communication network.

Computer-readable media suitable for storing computer program instructions and data, on the other hand, include, for example, semiconductor memory devices such as EPROM, EEPROM, and flash memory devices, such as magnetic disks such as internal hard disks or external disks, magneto-optical disks, and CDs. It may include all types of nonvolatile memory, media and memory devices, including -ROM and DVD-ROM disks. The processor and memory can be supplemented by or integrated with special purpose logic circuitry.

Implementations of the subject matter described herein may include, for example, a backend component such as a data server, or include a middleware component such as, for example, an application server, or a web browser or graphical user, for example, where a user may interact with the implementation of the subject matter described herein. It may be implemented in a computing system that includes a front end component, such as a client computer with an interface, or any combination of one or more of such back end, middleware or front end components. The components of the system may be interconnected by any form or medium of digital data communication such as, for example, a communication network.

Although the specification includes numerous specific implementation details, these should not be construed as limiting to any invention or the scope of the claims, but rather as a description of features that may be specific to a particular embodiment of a particular invention. It must be understood. Likewise, certain features described herein in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

In addition, although the drawings depict operations in a particular order, it is to be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated acts must be performed. Can not be done. In certain cases, multitasking and parallel processing may be advantageous. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. Should understand that

As such, this specification is not intended to limit the invention to the specific terms presented. Thus, while the present invention has been described in detail with reference to the above examples, those skilled in the art can make modifications, changes, and variations to the examples without departing from the scope of the invention. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

Claims (9)

An exchange rate information provider linked with exchange rate information provided by a financial institution of a trading country;
An overseas financial transaction service apparatus including a fee information provider for providing fee information required for a financial transaction service in association with fee information provided by a financial institution belonging to a trading country;
Receiving terminal; And
Remittance terminal for requesting remittance to the foreign financial transaction service device without specifying the account information of the financial institution associated with the receiving terminal,
The remittance terminal provides specific amount information to the foreign financial transaction service device,
The foreign financial transaction service apparatus is based on the exchange rate information and fee information collected from the exchange rate information providing unit and the fee information providing unit, withdrawal amount information to be withdrawn from the account of the remittance financial institution associated with the remittance terminal, the recipient country Providing at least one information of the remittance amount information and the fee information to be remitted to the remittance financial institution, providing at least one of the remittance amount information or the remittance amount information to a remittance financial institution associated with the receiving terminal; Request the beneficiary financial institution to purchase, in the currency of the country to which the beneficiary financial institution belongs, an amount corresponding to the beneficiary amount based on the exchange rate information,
The receiving terminal,
And receiving a remittance amount or a receivable amount through the receivable financial institution when a payment instruction order is sent from the remittance financial institution to the receivable financial institution. The method of claim 1,
The overseas financial transaction service device,
Before the payment instruction is sent from the remittance financial institution to the beneficiary financial institution, the withdrawal amount, the remittance amount and the fee amount of the remittance financial institution, and the receivable amount of the receivable financial institution are provided. system. The method of claim 1,
The remittance terminal,
A system for providing an overseas financial transaction service which specifies the telephone number information of the receiving terminal and requests remittance to the overseas financial transaction service device. The method of claim 1,
The specific amount information,
A system for providing overseas financial transaction services, including at least one of a withdrawal amount to be withdrawn from a remittance account corresponding to a remitter, a remittance amount to be remitted from the remittance financial institution to the beneficiary financial institution, or a receivable amount actually received by the remitter; . The method of claim 1,
The remittance terminal is logged into the web page provided by the foreign financial transaction service device,
The overseas financial transaction service apparatus is to authenticate the remittance terminal and the remitter, a system for providing an overseas financial transaction service. The method of claim 1,
The overseas financial transaction service device assigns a unique number corresponding to the remittance and transmits it to the remittance terminal.
And the remittance terminal provides the unique number to the receiving terminal regardless of the foreign financial transaction service apparatus. The method of claim 1,
The overseas financial transaction service device,
A system for providing overseas financial transaction services, which provides notification of remittance notice or remittance completion information via text message or PUSH message. A foreign financial transaction service method for mediating remittances from a first financial institution to a second financial institution performed by an overseas financial transaction service apparatus,
Receiving a remittance request from a remitter from a first country financial institution to a second country financial institution, the remittance request comprising at least the recipient's contact information and the remittance amount;
Retrieve first exchange rate information of first and third country currencies received from the first country financial institution and second exchange rate information of second and third country currencies received from the second country financial institution; Calculating the received amount in currency of a second country according to fee information received from at least one of the first country financial institution and the second country financial institution and the first exchange rate information and the second exchange rate information; And
Upon receiving the remittance confirmation signal from the remitter, the remitted remittance amount and fee information and the total withdrawal amount calculated on the basis of the remittance are transmitted to the financial institution of the first country, and the remitted remittance amount and the remittance amount information of the second country are transmitted. Sending to a financial institution;
The first exchange rate information and the second exchange rate information are both information when the remittance request is received, and the first exchange rate information and the second rate when the remittance request reception time is after a business time of a first country or a second country financial institution; The exchange rate information is determined according to the closing exchange rate information of the first or second country financial institution,
The step of transmitting the remittance amount and the receivable amount information to a financial institution of the second country may sell the money of the third country corresponding to the receivable amount according to the exchange rate exchange rate information and convert the remittance amount to the receivable amount. And sending an order to a second country financial institution instructing the purchase of currency of the second country. An overseas financial transaction service apparatus for brokering remittances from a financial institution of a first country to a financial institution of a second country,
A receiving unit for receiving a remittance request from a remitter to a second country financial institution from a first country financial institution, the remittance request comprising at least a recipient's contact information and a remittance amount;
Retrieve first exchange rate information of first and third country currencies received from the first country financial institution and second exchange rate information of second and third country currencies received from the second country financial institution; An amount calculator configured to calculate an amount of money received in at least one currency unit based on fee information received from at least one of the first and second financial institutions and the first and second exchange rate information; And
Upon receiving the remittance confirmation signal from the remitter, the remitted remittance amount and fee information and the total withdrawal amount calculated based on the remittance are transmitted to the first financial institution, and the remitted remittance amount and the received remittance amount information are transmitted to the second financial institution. Including a transmission unit for transmitting to,
The first exchange rate information and the second exchange rate information are both information when the remittance request is received, and the first exchange rate information and the second rate when the remittance request reception time is after a business time of a first country or a second country financial institution; The exchange rate information is determined according to the closing exchange rate information of the first or second country financial institution,
The transmitting unit sells the money of the third country corresponding to the received amount according to the transfer amount and transfers the transfer amount and the received amount information to a financial institution of the second country according to the exchange rate information. A foreign financial transaction service apparatus for transmitting a command to a financial institution of a second country to instruct to purchase a currency of a second country.

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