WO2016072739A1 - Procédé, serveur et terminal pour fournir des informations de taux de change en temps réel - Google Patents

Procédé, serveur et terminal pour fournir des informations de taux de change en temps réel Download PDF

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Publication number
WO2016072739A1
WO2016072739A1 PCT/KR2015/011782 KR2015011782W WO2016072739A1 WO 2016072739 A1 WO2016072739 A1 WO 2016072739A1 KR 2015011782 W KR2015011782 W KR 2015011782W WO 2016072739 A1 WO2016072739 A1 WO 2016072739A1
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WO
WIPO (PCT)
Prior art keywords
exchange
exchange rate
information
real
time
Prior art date
Application number
PCT/KR2015/011782
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English (en)
Korean (ko)
Inventor
이성주
Original Assignee
마이뱅크주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020140152925A external-priority patent/KR20160053623A/ko
Priority claimed from KR1020140152926A external-priority patent/KR20160053624A/ko
Priority claimed from KR1020140152924A external-priority patent/KR102116241B1/ko
Application filed by 마이뱅크주식회사 filed Critical 마이뱅크주식회사
Publication of WO2016072739A1 publication Critical patent/WO2016072739A1/fr

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a method, a server and a terminal for providing real-time exchange rate information, and more particularly, to a method, a server and a terminal for providing real-time exchange rate information applied in case of exchange at each of a plurality of exchange offices through a terminal. It is about.
  • the present invention aims to solve all the above-mentioned problems.
  • the present invention by providing a real-time exchange rate information provided by exchange offices located throughout the country through the terminal at a glance, another object of the exchange to facilitate the exchange of money cheaply through the desired exchange office.
  • the present invention by providing a benefit amount information indicating the amount of money saved in comparison with the exchange rate by a predetermined exchange rate for each exchange office located throughout the country through the terminal to exchange money cheaply through the exchange office that the user wants to exchange conveniently It is another purpose to support this.
  • the present invention if exchange offices matching the exchange rate conditions specified by the user in advance among the exchange offices located throughout the country is detected in real time, by providing information on the exchange offices matching the exchange rate conditions through the terminal to the exchange demand Another aim is to support the exchange of money at the desired exchange rate.
  • the present invention if the user's location information is obtained, by displaying the real-time exchange rate information for each exchange office based on the user's location information, the user can exchange money through an exchange office that provides a favorable exchange rate at a short distance It is another purpose to support this.
  • a method for providing real-time exchange rate information comprising: (a) obtaining real-time exchange rate information applied when a server exchanges a first country currency into a second country currency at each of a plurality of exchange offices; And (b) supporting the server to display the obtained real-time exchange rate information for each of the plurality of exchanges under a predetermined condition.
  • a method for providing real-time exchange rate information in a method for providing real-time exchange rate information, (a) real-time exchange rate information applied when the user terminal exchanges the first country currency to the second country currency at each of a plurality of exchange offices; Obtaining, and (b) the user terminal to display the obtained real-time exchange rate information for each of a plurality of exchange offices under a predetermined condition.
  • the processor and the real-time exchange rate information that is applied to exchange the first country currency to the second country currency at each of a plurality of exchange offices and
  • the server may include a communication unit configured to display the obtained real-time exchange rate information for each of the plurality of exchanges under a predetermined condition.
  • a terminal for providing real-time exchange rate information the communication unit for obtaining the real-time exchange rate information applied to the exchange of the first country currency to the second country currency at each of a plurality of exchange offices, and
  • a terminal including a user interface providing unit for displaying the obtained real-time exchange rate information for each of a plurality of exchange offices under a predetermined condition.
  • the present invention has the effect that it is possible to support the exchange of money cheaply through the desired exchange office by conveniently providing real-time exchange rate information provided by exchange offices located throughout the country through the terminal.
  • the present invention by providing a benefit amount information indicating the amount of money saved in comparison with the exchange rate by a predetermined exchange rate for each exchange office located throughout the country through the terminal to exchange money cheaply through the exchange office that the user wants to exchange conveniently It has the effect of supporting it.
  • the present invention if exchange offices matching the exchange rate conditions specified by the user in advance among the exchange offices located throughout the country is detected in real time, by providing information on the exchange offices matching the exchange rate conditions through the terminal to the exchange demand There is an effect that can support to exchange money at the desired exchange rate conveniently.
  • the present invention if the user's location information is obtained, by displaying the real-time exchange rate information for each exchange office based on the user's location information, the user can exchange money through an exchange office that provides a favorable exchange rate at a short distance There is an effect that can be supported.
  • FIG. 1 is a conceptual diagram showing the configuration of a currency exchange system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
  • 3 to 7 are diagrams showing examples of screens of a terminal displaying a user interface according to the present invention.
  • FIG. 8 is a block diagram showing the configuration of a user terminal 200 according to an embodiment of the present invention.
  • FIG. 1 is a conceptual diagram showing the configuration of a currency exchange system according to an embodiment of the present invention.
  • FIG. 1 illustrates a currency exchange system 1000 according to an embodiment of the present invention.
  • the server 100 includes a server 100, a user terminal 200, and a currency exchange terminal 300.
  • a plurality of exchange terminal terminals 300-1, 300-2, 300-3,..., 300-n provided in each of a plurality of exchange offices provide real-time exchange rate information for a specific currency, that is, a first country currency.
  • Real-time exchange rate information applied in the case of currency exchange in the second country may be provided to the server 100.
  • each of the plurality of exchange terminal terminals (300-1, 300-2, 300-3, ..., 300-n) is a currency information that can be exchanged by the user input, exchange rate information for each currency, foreign currency inventory amount information for each currency, At least some of the call-specific information may be obtained, and the information may be provided to the server 100.
  • Each of the plurality of exchange office terminals 300-1, 300-2, 300-3,..., 300-n may provide a predetermined exchange rate information input UI for a person who inputs exchange rate information.
  • Exchange rate information of the exchange rate information provider is input through the UI.
  • the reason for providing foreign currency inventory amount information is that in case of private exchange, the total amount of foreign currency held can be much smaller compared to banks, etc. This is because there may be cases where you cannot exchange foreign currency.
  • the exchange rate described herein may be any one of a standard exchange rate, a trading exchange rate, a remittance exchange rate, and a spread rate.
  • the server 100 may crawl real-time exchange rate information from each of the plurality of exchange terminal terminals 300-1, 300-2, 300-3,..., 300-n and store the same in the exchange rate information DB 400.
  • the server 100 may crawl the exchange rate information by accessing the plurality of exchange office terminals 300-1, 300-2, 300-3,..., 300-n.
  • the server 100 may obtain a crawl target, perform a crawl on the crawl target, and store crawled information about the crawl target. All of the input exchange rate information may be stored in the exchange rate information DB 400.
  • the exchange office may be a bank, a private exchange office, or a financial institution capable of performing other currency exchange.
  • the server 100 may receive real-time exchange rate information for a specific currency provided for each exchange and provide the user terminal 200 through the Internet to provide the user under a predetermined condition.
  • the user terminal 200 may display the information on a specific application or a web browser.
  • the user terminal 200 may be a mobile terminal 200-1 or a stationary terminal 200-2. When the user terminal 200 is a mobile terminal 200-1, the user terminal 200 may be provided through a dedicated application. Information may be provided and the information may be provided through a web browser when the user terminal 200 is a stationary terminal 200-2 such as a PC, but is not limited thereto.
  • the present invention provides the real-time exchange rate information provided by exchange offices located in various parts of the country through the user terminal 200 at a glance, so that users of currency exchange can easily exchange money through a desired exchange office.
  • FIGS. 3 to 7 are diagrams illustrating examples of screens of a terminal displaying a user interface according to the present invention.
  • the server 100 may include a communication unit 110 and a processor 120.
  • the communication unit 110 obtains real-time exchange rate information applied when the first country currency is converted into a second country currency at each of a plurality of exchange offices, and displays the obtained real-time exchange rate information for each of the plurality of exchange places under a predetermined condition.
  • the communication unit 110 may exchange currency information, currency exchange rate information for each currency, foreign currency inventory amount information for each currency, from a plurality of exchange terminal terminals 300-1, 300-2, 300-3, ..., 300-n, At least some of call-specific information may be obtained, and the information may be provided to the user terminal 200.
  • the user terminal 200 may compare and display real-time exchange rate information for each exchange office through a specific application or a web browser.
  • real-time exchange rate information for each bank is displayed through the user terminal 200.
  • real-time exchange rate information 32 for each currency 31 for each bank 34 may be provided and displayed from the server 100.
  • the commission rate 33 for each currency may also be displayed.
  • real-time exchange rate information may be provided in units of a national unit or type of financial institution, the lowest exchange rate information may be provided preferentially, or exchange rate information including the best conditions may be provided to the currency exchange consumer.
  • the real-time exchange rate information for a specific currency of a plurality of exchange stations, including a private exchange office is displayed.
  • the communication unit 110 of the server 100 according to the present invention may support to display and additionally calculate benefit amount information indicating the amount of money saved compared to the exchange by a predetermined exchange rate for each of a plurality of exchange offices.
  • FIG. 4 it can be seen that not only the real-time exchange rate information 42 of each exchange office 41 but also the amount of money information 43 that is saved compared to the exchange by a predetermined exchange rate at each exchange can be displayed together.
  • the predetermined exchange rate may be an average of exchange rates provided by a plurality of exchange offices, or alternatively, may be an exchange rate that is most unfavorable to a customer among exchange rates provided by a plurality of exchange offices.
  • the obtained real-time exchange rate information for each of the plurality of exchange stations may be displayed in a sorted order in which the benefit amount is high, that is, in a favorable exchange rate.
  • the present invention through the user terminal 200, by providing a benefit amount information indicating the amount of money saved compared to the exchange by a predetermined exchange rate for each exchange office located throughout the country by the exchange exchange consumers conveniently desired through the exchange office You will be able to help them exchange money.
  • the processor 120 may perform data mining on the exchange rate information data and may monitor the volatility of the exchange rate information.
  • the communication unit 110 may perform a function of controlling the flow of data between the other components. That is, the processor 120 controls the flow of data between the respective components of the server 100, thereby controlling the communicator 110 and other components to perform unique functions.
  • the processor 120 may (i) when the amount of money information of the first station currency to be exchanged into the second station currency is obtained. Supporting the calculation and display the exchange amount of the currency of the second country based on the real-time exchange rate information for each of the plurality of exchange, and (ii) if the amount information of the currency of the second country is obtained, real-time exchange rate information of the plurality of exchange It is possible to calculate and display the amount of the currency of the first country to convert to the amount of currency of the second country based on the.
  • the amount information of the yuan currency, which is the first country's currency may change the input interface 44.
  • the exchange amount (the amount to be exchanged) of the won may be calculated and displayed based on the real-time exchange rate information for each of the plurality of exchanges. In this case, as described above, the amount of money saved compared to the exchange at a predetermined exchange rate may be displayed together. In addition, the exchange amount information may be displayed in a sorted order in order to favor the user.
  • the function can be applied when buying foreign currency.
  • the yuan when the yuan is bought in won, if the amount information of the yuan, the second country's currency, is input through an input interface (not shown), the second country's currency is based on the real-time exchange rate information for each of the plurality of exchanges.
  • the amount of the won (the currency required amount), which is the first currency to exchange for the amount of yuan, may be calculated and displayed.
  • the amount of money information saved compared to the exchange at a predetermined exchange rate may be displayed together, and the amount of money exchange information may be displayed in a sorted order in a favorable order for the user.
  • the exchange amount information may be displayed only in an exchange office having foreign currency inventory that can be exchanged by reflecting foreign currency inventory information of each exchange office.
  • the total amount of foreign currency held can be much smaller compared to banks, etc., so a favorable condition may be provided for the exchange of a small amount, but a large amount of foreign currency can be exchanged under these conditions. In this case, it is not necessary to show exchange rate information of the relevant exchange office.
  • the present invention by providing the real-time exchange rate information provided by the adjacent exchange offices according to the location information of the user can support the user can conveniently exchange money through an exchange office that provides a favorable exchange rate in the near. That is, when the location information of the user is obtained, the processor 120 may support to display real-time exchange rate information for each of the plurality of exchange offices, based on the location information of the user. For example, real-time exchange rate information for each of a plurality of exchange offices may be displayed in order from the user's location.
  • the location information of the user may be obtained through a location information acquisition module mounted on the user terminal 200 such as a GPS module.
  • the location information of the user may be obtained through an AP adjacent to the user terminal 200 or the user terminal 200. It will also be possible to obtain through the IP information.
  • the exchange rate information of private exchange offices which offer favorable exchange rates to financial institutions such as banks, is virtually useless due to reasons such as transportation costs and time required to travel to private exchange centers if the currency exchanger is not located in the area where the private exchange office is located.
  • the processor 120 may provide the user terminal 200 with exchange rate information of an exchange office located at intervals required for arrival to a predetermined radius range or a private exchange office based on the location information of the user terminal 200. Can be.
  • a private exchange office is most advantageous as a national unit, but when B private exchange office can be most advantageous within an hour of arrival time or within a radius of 10 km, real-time exchange rate information provided by B private exchange office may be provided.
  • the processor 120 may support to display, on a map, information on at least some exchange offices located within a predetermined distance range from the user's location. Referring to FIG. 6, it can be seen that the user's current location 60 and currency exchange information 61 located near the user are displayed on the map on the screen of the user terminal 200.
  • the processor 120 may support to display real-time exchange rate information provided by the selected specific exchange office.
  • FIG. 6 it can be seen that “exchange offices of Korea City Bank Science and Technology Center”, which are selected among the exchange offices around the user, is selected and real-time exchange rate information 62 for the selected specific exchange office is displayed.
  • the predetermined distance may vary according to the exchange rate of the user.
  • the processor 120 saves money by comparing the cost of money calculated based on at least some of the distance from the location of the user to the exchange office and the time it takes to go to the exchange office and the exchange at a predetermined exchange rate.
  • Benefit amount information indicating the amount of money to be compared can be compared, and based on this, the obtained real-time exchange rate information for each of the plurality of exchanges can be displayed.
  • the cost of sacrifice means loss caused by at least a part of the distance from the current location to the exchange office and the time taken to the exchange office. For example, if you want to exchange money, consider the private exchange A farther away from your current location and the private exchange B located relatively close to your current location. At this time, B private exchange office may be much more advantageous, but if the amount of money exchange is very large, A private exchange may be more advantageous even considering transportation costs and time required.
  • the above-described communication unit 110 may support providing information on an exchange office matching the exchange rate condition.
  • a user may set a target exchange rate 72 for a specific currency 70 to be exchanged.
  • the server 100 matches the exchange rate condition. It will be possible to provide exchange rate information for exchange offices.
  • the target exchange rate can be set for each case of selling and buying foreign currency (see 71 in FIG. 7).
  • Exchange rate information at financial institutions or private exchanges fluctuates at any time, but the exchange consumer may not need to exchange money right now, and in particular, the exchange consumer may want to perform exchange when certain exchange rate conditions are achieved.
  • the exchange demander inputs a desired exchange rate information condition, and if such a condition is satisfied, the exchange rate information is provided, and thus, the user can conveniently exchange money at a desired exchange rate. Will be.
  • the server 100 monitors the variability of the search result for the search condition of the exchange rate information consumer (whether the exchange rate information condition is met, the amount of fulfillment may also belong to the variability), and the change (for example, a condition Fulfillment, fulfillment of the foreign exchange purchase condition threshold, etc.), the volatility occurrence information can be provided to the exchange rate information consumer.
  • the server 100 may refer to the exchange rate information DB 400 as needed.
  • the server 100 may further interwork with the linkage information DB (not shown).
  • the server 100 may include the exchange rate information DB 400 or the linkage information DB.
  • the exchange rate information DB 400 may include a foreign exchange rate information provider DB (not shown) including various information about a supplier that provides exchange rate information, a foreign exchange rate information demand DB including a variety of information about a foreign exchange rate information consumer, Exchange rate information analysis DB including the exchange rate information analysis information (not shown), the recommended exchange rate information DB (not shown) including the recommended exchange rate information, and management information DB (not shown) including the management information of the server 100 ) May include at least some.
  • a foreign exchange rate information provider DB (not shown) including various information about a supplier that provides exchange rate information
  • a foreign exchange rate information demand DB including a variety of information about a foreign exchange rate information consumer
  • Exchange rate information analysis DB including the exchange rate information analysis information (not shown)
  • the recommended exchange rate information DB (not shown) including the recommended exchange rate information
  • management information DB (not shown) including the management information of the server 100 ) May include at least some.
  • the linkage information DB includes an electronic map DB (not shown) that includes electronic map information that is stored and supplied electronically, a linkage product DB (not shown) that stores exchange rate linkage products, and a recommendation policy DB that stores a recommendation policy ( Not shown).
  • the above-described processor 120 performs a function of controlling the flow of data between the communication unit 110 and other components. That is, the processor 110 controls the flow of data between the respective components of the server 100, thereby controlling the communicator 120 and the other components to perform unique functions.
  • the processor 120 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, a data bus, and the like.
  • the operating system may further include a software configuration of an application performing a specific purpose.
  • FIG. 8 is a block diagram showing the configuration of a user terminal 200 according to an embodiment of the present invention.
  • the user terminal 200 may include a communication unit 210, a user interface providing unit 220, and a processor 230.
  • the communication unit 210 is configured to obtain real-time exchange rate information that is applied when the first country currency is converted into a second country currency at each of a plurality of exchange offices.
  • the communication unit 210 may receive real-time exchange rate information applied when the first country currency is exchanged into the second country currency at each of a plurality of exchange offices from the server 100.
  • the communicator 210 may include at least some of various short-range communication modules and a network interface.
  • the user interface providing unit 220 is configured to display the obtained real-time exchange rate information for each of a plurality of exchange offices under a predetermined condition.
  • the user interface providing unit 220 may render real-time exchange rate information for each of a plurality of exchange offices received through a specific application or a web browser.
  • the processor 230 controls the flow of data between the communication unit 210, the user interface providing unit 220, and other components. That is, the processor 230 controls the flow of data between each component of the user terminal 200, thereby controlling the communicator 210, the user interface provider 220, and other components to perform unique functions.
  • the processor 230 may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, a data bus, and the like.
  • the operating system may further include a software configuration of an application performing a specific purpose.
  • the embodiments according to the present invention described above may be embodied in the form of program instructions that may be executed through various computer components, and may be recorded in a computer readable recording medium.
  • the computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination.
  • Program instructions recorded on the computer-readable recording medium may be those specially designed and configured for the present invention, or may be known and available to those skilled in the computer software arts.
  • Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs, DVDs, and magneto-optical media such as floptical disks. media), and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like.
  • Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.
  • the hardware device may be configured to operate as one or more software modules to perform the process according to the invention, and vice versa.

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Abstract

Un aspect de la présente invention concerne un procédé permettant de fournir des informations de taux de change en temps réel, lequel comprend les étapes consistant à: (a) acquérir, par un serveur, des informations de taux de change en temps réel appliquées lorsqu'une devise d'un premier pays est échangée en une devise d'un second pays au niveau de chacun d'une pluralité d'emplacements d'échange de devises; et (b) assurer un support, par le serveur, de sorte que les informations de taux de change en temps réel acquises de chacun des plusieurs emplacements d'échange de devises soient affichées selon une condition prédéterminée.
PCT/KR2015/011782 2014-11-05 2015-11-04 Procédé, serveur et terminal pour fournir des informations de taux de change en temps réel WO2016072739A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
KR1020140152925A KR20160053623A (ko) 2014-11-05 2014-11-05 환율 정보 수요자에 최적화된 환율 정보를 제공하는 사설 환전소 환율 정보 수요자에 최적화된 환율 정보를 제공하는 사설 환전소 환율 정보 플랫폼 시스템 및 그 정보 처리 방법
KR1020140152926A KR20160053624A (ko) 2014-11-05 2014-11-05 환율 정보 플랫폼 시스템 및 그 정보 처리 방법
KR10-2014-0152925 2014-11-05
KR10-2014-0152924 2014-11-05
KR1020140152924A KR102116241B1 (ko) 2014-11-05 2014-11-05 환율 정보 수요자의 검색 위치 기반 최적화된 환율 정보를 제공하는 환율 정보 플랫폼 시스템 및 그 정보 처리 방법
KR10-2014-0152926 2014-11-05

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US20190095992A1 (en) * 2017-09-24 2019-03-28 Annie Mafotsing Soh Method and system to facilitate decentralized money services software as a service
US20190147532A1 (en) * 2017-11-13 2019-05-16 Bank Of America Corporation Crypto - machine learning enabled blockchain based profile pricer

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KR20130006802A (ko) * 2011-06-23 2013-01-18 농업협동조합중앙회 외국통화 실물을 제공하는 환전 서비스 방법
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KR20010008285A (ko) * 2000-11-21 2001-02-05 김명철 인터넷을 이용한 환전 처리방법
KR20030006039A (ko) * 2001-07-11 2003-01-23 포렉스뱅크 주식회사 네트워크 기반의 외국환 및 여행자 수표 환전 서비스 제공시스템 및 그 방법
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Publication number Priority date Publication date Assignee Title
US20190095992A1 (en) * 2017-09-24 2019-03-28 Annie Mafotsing Soh Method and system to facilitate decentralized money services software as a service
US20190147532A1 (en) * 2017-11-13 2019-05-16 Bank Of America Corporation Crypto - machine learning enabled blockchain based profile pricer
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