WO2017061713A1 - Procédé, serveur et terminal utilisateur pour prendre en charge un échange ou transfert monétaire à un taux de change prédéterminé - Google Patents

Procédé, serveur et terminal utilisateur pour prendre en charge un échange ou transfert monétaire à un taux de change prédéterminé Download PDF

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Publication number
WO2017061713A1
WO2017061713A1 PCT/KR2016/010280 KR2016010280W WO2017061713A1 WO 2017061713 A1 WO2017061713 A1 WO 2017061713A1 KR 2016010280 W KR2016010280 W KR 2016010280W WO 2017061713 A1 WO2017061713 A1 WO 2017061713A1
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currency
exchange
country
transaction
amount
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PCT/KR2016/010280
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English (en)
Korean (ko)
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이성주
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마이뱅크주식회사
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Publication of WO2017061713A1 publication Critical patent/WO2017061713A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method, a server, and a user terminal for supporting exchange or remittance at a predetermined exchange rate, and more specifically, to exchange or transfer money at a predetermined exchange rate by linking exchange demand with overseas remittance demand. It relates to a method, a server and a user terminal to assist in doing so.
  • the bank's remittance system is widely used. Remittances between countries are mainly intermediary banks. For example, suppose Bank A transfers from Bank A of two countries to Bank B of two countries. In this case, Bank A asks Bank C to remit to Bank B, and Bank C receives the request and transfers it to Bank B. And, the stage of this relay bank can be further increased. Different countries have different regulations on remittances, so international remittances usually take more than a day. In addition, the bank's remittance system has a disadvantage of paying expensive fees (transfer fee, relay bank fee, etc.).
  • TransferWise's overseas remittance model has to find a matching counterpart in the overseas remitter pool, but most of all, there is a limitation that it is very difficult to form a foreign remitter pool. In particular, it is difficult to find a matching partner for a long time until a pool of overseas remittance users is formed. Therefore, it is necessary to wait for the customer who wants to remit, and to prepare the funds corresponding to the required remittance demand in advance and respond to the demand for remittance. It can add to the burden.
  • the transferwise transfer model of transferwise also has limitations, and it is required to develop a transfer mechanism that can overcome the limitations of the transferwise transfer model by quickly and easily finding and matching the funds demand corresponding to the overseas transfer demand. It is becoming.
  • the present invention aims to solve all the above-mentioned problems.
  • Another object of the present invention is to provide a remittance mechanism that can overcome the limitations of the existing transferwise transfer model by quickly and easily find and match the funds demand corresponding to the overseas remittance demand.
  • another object of the present invention is to provide a remittance mechanism capable of quickly forming and expanding a pool of remitter buyers by matching overseas remittance demand with currency exchange demand to quickly and easily meet overseas remittance demand.
  • the present invention is to perform the exchange or remittance in the same manner as described above, if the receiving authority for the exchange amount or remittance amount is identified, a card filled with the remittance amount or remittance amount is issued to conveniently use the remittance amount For another purpose.
  • the server detects information corresponding to the amount of the second country currency to be exchanged into the first country currency according to the first exchange rate, the exchange rate according to the first exchange rate; A process for generating or supporting transaction information in a first direction indicating that a transaction has been made; and (ii) in the amount of the first country currency to be exchanged or remitted to the second country currency at a second exchange rate.
  • the corresponding information is detected, performing or repeating a process for generating or reproducing transaction information in a second direction indicating that a currency exchange transaction or a remittance transaction has been completed according to the second exchange rate, thereby performing transaction information in at least one first direction.
  • the server receives a first receipt corresponding to (i) transaction information in a specific first direction among transaction information in the first direction;
  • a process for assisting the user to receive at least a portion of the first country currency acquired according to the second direction of the transaction as an amount to be received and (ii) corresponding to the transaction information of the second direction of the transaction information of the second direction;
  • a method is provided that includes performing at least a portion of a process of assisting a second recipient to receive at least a portion of a second country currency obtained in accordance with the transaction in the first direction as the amount to be received.
  • the server if (a) the server detects information corresponding to the amount of the second country's currency to be exchanged into the first country's currency according to the first exchange rate, the server exchanges money according to the first exchange rate.
  • This method comprises the step of receiving at least some of the support to the first station call pickup according to the terms of the first direction, b is provided as an amount of money to be received.
  • (i) information corresponding to the amount of a second country's currency to be converted into a first country's currency at the first exchange rate is detected to indicate that a currency exchange transaction has been completed at the first exchange rate.
  • Direction transaction information and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the second country's currency according to a second exchange rate is detected and the second exchange rate is detected.
  • the process of generating transaction information in the second direction indicating that the currency exchange or remittance transaction is completed is performed or repeated, so that the transaction information in the at least one first direction and the transaction information in the at least one second direction are obtained by the server.
  • (i) information corresponding to the amount of the second country's currency to be exchanged in the first country's currency according to the first exchange rate is detected to indicate that the exchange transaction has been completed at the first exchange rate;
  • Direction transaction information and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country's currency according to the second exchange rate is detected, And performing or repeating a process of generating transaction information in the b-direction indicating that the currency exchange or remittance transaction has been completed, so that at least one transaction information in the a-direction and at least one transaction direction in the b-direction is obtained by the server.
  • the user terminal transmits a specific a-direction transaction request to the server to exchange the second station currency to the first station currency according to the first exchange rate. And (b) the user terminal receives at least a portion of the currency of the first country acquired in accordance with the transaction in the b direction as an amount to be received by the exchange recipient corresponding to the transaction information in the specific a direction.
  • the second transaction indicates that the exchange transaction was completed at the first exchange rate.
  • a database manager for acquiring transaction information in two directions, and (i) a first recipient who corresponds to transaction information in a specific first direction among the transaction information in the first direction; A process for receiving at least a portion of a first country currency acquired in accordance with the second direction of the transaction as an amount to be received; and (ii) a transaction corresponding to the transaction information in a particular second direction of the second direction of the transaction information.
  • a server is provided that includes a communication unit that performs at least a part of a process for supporting at least a portion of a second country currency acquired according to a transaction in the first direction as an amount to be received by a recipient.
  • the second transaction indicates that the exchange transaction has been completed at the first exchange rate.
  • a process for generating or supporting the creation of transaction information in a direction; and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country's currency at the second exchange rate is detected.
  • a database manager for acquiring transaction information in a direction and a currency exchange recipient corresponding to the transaction information in a specific a-direction among the transaction information in the a-th direction;
  • a server is provided that includes a communication unit that supports to receive at least a portion of the first station currency acquired according to the transaction in the b direction as an amount to be paid.
  • (i) information corresponding to the amount of a second country's currency to be converted into a first country's currency at the first exchange rate is detected to indicate that a currency exchange transaction has been completed at the first exchange rate.
  • Direction transaction information and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the second country's currency according to a second exchange rate is detected and the second exchange rate is detected.
  • the process of generating transaction information in the second direction indicating that the currency exchange or remittance transaction is completed is performed or repeated, so that the transaction information in the at least one first direction and the transaction information in the at least one second direction are obtained by the server.
  • the specific first direction transaction request to exchange the second country currency to the first country currency according to the first exchange rate or the first country currency to the second exchange rate A user interface providing unit for transmitting a specific second direction transaction request to the server or to the second station, and (1) corresponding to the transaction information of the specific first direction
  • a user terminal is provided that includes a communication unit that performs a process for supporting at least a portion of the second station currency acquired according to the transaction in the first direction as an amount to be received by the first direction.
  • (i) information corresponding to the amount of the second country's currency to be exchanged in the first country's currency according to the first exchange rate is detected to indicate that the exchange transaction has been completed at the first exchange rate;
  • Direction transaction information and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country's currency according to the second exchange rate is detected, And performing or repeating a process of generating transaction information in the b-direction indicating that the currency exchange or remittance transaction has been completed, so that at least one transaction information in the a-direction and at least one transaction direction in the b-direction is obtained by the server.
  • a user interface for transmitting a specific a-direction transaction request to the server for converting the second country currency into the first country currency according to the first exchange rate.
  • a providing unit, and a communication unit configured to receive at least a portion of the currency of the first country acquired according to the transaction in the b-direction as an amount to be received by the money exchange recipient corresponding to the transaction information in the specific a-direction;
  • a user terminal is provided.
  • the present invention has the effect of overcoming the limitations of the existing transferwise transfer model by quickly and easily finding and matching the funds demand corresponding to the overseas remittance demand.
  • the present invention has an effect that can quickly and easily form the demand pool of the remitter by expanding the demand for foreign remittance to meet the demand for money transfer overseas quickly and easily.
  • the present invention has the effect of matching the exchange demand existing in a plurality of countries so that customers can exchange at an advantageous exchange rate.
  • the present invention is to perform the exchange or remittance in the same manner as described above, if the receiving authority for the exchange amount or remittance amount is identified, a card filled with the remittance amount or remittance amount is issued to conveniently use the exchange amount or remittance amount It works.
  • FIG. 1 is a conceptual diagram illustrating a remittance mechanism according to an embodiment of the present invention.
  • FIG. 2 is a conceptual diagram illustrating a currency exchange mechanism according to an embodiment of the present invention.
  • FIG. 3 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
  • 4 and 5 is a conceptual diagram for explaining the exchange or transfer mechanism according to an embodiment of the present invention.
  • FIG. 6 is a block diagram showing the configuration of a user terminal according to an embodiment of the present invention.
  • FIG. 1 is a conceptual diagram illustrating a remittance mechanism according to an embodiment of the present invention.
  • user A of the first station may want to transfer the amount of currency of the first station to user C of the second station.
  • the user B who wants to exchange the amount of the second country's currency to the first country's currency can be found, there is no need to use the overseas remittance of the bank, which has to pay a high fee. That is, the user A may transfer the amount of the currency of the first country to be remitted to the second country to the user B, and the user B may transfer the amount of the currency of the second country to the currency of the first country to the user C.
  • the server 100 may perform or support such an operation.
  • the server 100 when the server 100 detects information corresponding to the amount of the second country's currency to be exchanged into the first country's currency according to the first exchange rate, the server 100 indicates that the exchange transaction has been completed at the first exchange rate.
  • Direction information and (ii) if information corresponding to the amount of the first country's currency to be remitted to the second country at the second exchange rate is detected, the transfer transaction has been completed at the second exchange rate. It may support or generate the transaction information of the second direction indicating.
  • the server 100 repeats (i) and (ii) to obtain transaction information in at least one first direction and transaction information in at least one second direction. can do.
  • direction trading information does not necessarily mean that the cash must be physically moved in that direction, for example, to exchange the currency of the "A” country to the currency of the "I” country or to " I ”is meant to encompass acts in the order of“ a ”to“ me ”, such as acts of remittance to a country.
  • the server 100 may include (i) a first station acquired in accordance with the transaction in the second direction as an amount to be received by the first recipient corresponding to the transaction information in the specific first direction among the transaction information in the first direction.
  • the detection of the information corresponding to the amount of the currency of the second country to be exchanged into the currency of the first country according to the first exchange rate may include (i) the amount of the currency of the second country being deposited into a predetermined account or (ii) the second country. Is made when a fictitious point corresponding to the amount of the currency is used or (iii) a collateral corresponding to the amount in the currency of the second country is paid, and the foreign currency is exchanged or remitted to the second country at a second exchange rate.
  • the detection of information corresponding to the amount of the first country's currency may include (i) the amount of the first country's currency being deposited into a given account, (ii) the virtual point corresponding to the amount of the first's currency being used (iii) This may be done if collateral corresponding to the amount of the first country's currency is paid.
  • the server 100 (i) when user B deposits an amount of a second country currency to be converted into a first country currency according to a first exchange rate into a predetermined account, the exchange rate is exchanged according to the first exchange rate. Assist in generating or generating transaction information in a particular first direction indicating that the transaction has been completed, and (ii) when User A deposits in a given account the amount of the first country's currency to be transferred to the second country at a second exchange rate, According to the second exchange rate, the transaction information may be generated or generated in a specific second direction indicating that the remittance transaction is completed.
  • the server 100 (i) at least one of the currency of the first country obtained in accordance with the transaction in the second direction as the amount of money to be received by the user B, the first recipient right corresponding to the transaction information in the specific first direction.
  • the present invention has an effect of quickly forming and expanding a pool of remittance buyers by quickly and easily meeting overseas remittance demands by matching overseas remittance demands with currency exchange demands.
  • FIG. 2 is a conceptual diagram illustrating a currency exchange mechanism according to an embodiment of the present invention.
  • user A of the first station may try to exchange the amount of the currency of the first country into the currency of the second country.
  • the exchange fee required to exchange the currency of the first country to the currency of the second country in the first country may be relatively expensive.
  • the currency can be exchanged at a lower rate.
  • the user A may transfer the amount of the first country's currency to be exchanged into the second country currency to the user B, and the user B may transfer the amount of the second country's currency to the user's A to exchange into the first country's currency.
  • the user A may apply for currency exchange in the first country, enter the second country, and receive the exchange of the second country currency at a predetermined place.
  • the server 100 may perform or support such an operation.
  • the server 100 when the server 100 detects information corresponding to the amount of the second country currency to be exchanged into the first country currency according to the first exchange rate, the server 100 indicates that the exchange transaction was completed according to the first exchange rate. It is possible to create or support transaction information in one direction, and (ii) if information corresponding to the amount of the first country's currency to be converted to the second country's currency according to the second exchange rate is detected, the exchange transaction is performed at the second exchange rate. It may support to generate or generate transaction information of the second direction indicating that the successful. When the exchange demands increase, the server 100 may repeat (i) and (ii) to obtain transaction information in at least one first direction and transaction information in at least one second direction. .
  • the server 100 may include (i) a first station acquired in accordance with the transaction in the second direction as an amount to be received by the first recipient corresponding to the transaction information in the specific first direction among the transaction information in the first direction.
  • the server 100 may (i) if user B deposits an amount of a second country's currency to be converted into a first country's currency according to the first exchange rate, into a predetermined account, and the exchange rate is exchanged according to the first exchange rate. Support for generating or generating transaction information in a particular first direction indicating that the transaction has been completed; and (ii) if User A deposits in a given account an amount of a first country currency to be converted into a second country currency at a second exchange rate; In response to the second exchange rate, the transaction information may be generated or generated in a specific second direction indicating that the exchange transaction has been completed.
  • the server 100 (i) at least one of the currency of the first country obtained in accordance with the transaction in the second direction as the amount of money to be received by the user B, the first recipient right corresponding to the transaction information in the specific first direction.
  • the present invention matches the exchange demand existing in a plurality of countries to support customers to exchange at a more favorable exchange rate.
  • FIG. 3 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
  • the server 100 may include a database manager 110, a communication unit 120, and a processor 130.
  • the database management unit 110 (i) if information corresponding to the amount of the second country currency to be exchanged in the first country currency according to the first exchange rate is detected, the database management unit 110 indicates that the exchange transaction has been completed according to the first exchange rate; A process for generating or supporting one-way transaction information and (ii) detecting information corresponding to the amount of the first country's currency to be exchanged or remitted to the second country's currency according to a second exchange rate; And performing or repeating a process of generating or generating a transaction information in a second direction indicating that a currency exchange transaction or a remittance transaction has been completed according to the second exchange rate, thereby repeating at least one transaction information and at least one agent. Transaction information in two directions can be obtained.
  • the processor 130 to be described later, (i) when a currency exchange transaction application or remittance transaction application input through the user terminal 200 (applicant's terminal) to be described later, the predetermined amount that can deposit the money to be exchanged or transferred And (ii) receiving deposit information on the amount of the first country currency or the amount of the second country currency to be exchanged or remitted from the account management server (not shown).
  • a process for generating or generating transaction information in the first direction or a process for generating or generating transaction information in the second direction may be performed.
  • the application for exchange or remittance transaction is made up of information about the amount of money to be exchanged or remitted, information about the person who will receive the money or money remitted, telephone number, date and time of receipt, and information on the place of receipt (e.g. airport). It may include at least a portion.
  • the communication unit 120 to be described later for the exchange transaction application can provide real-time exchange rate information to the user terminal 200 (applicant's terminal) to support the display on the screen.
  • a predetermined account may not be newly created, but previously generated account information may be provided.
  • a virtual point corresponding to the amount to be exchanged or the amount to be remitted is used or a collateral corresponding to the amount to be exchanged or the amount to be remitted. It may be paid.
  • the aforementioned account management server may be a payment gateway server.
  • the communication unit 120 may include (i) the first country currency acquired according to the transaction in the second direction as an amount to be received by the first recipient corresponding to the transaction information in the specific first direction among the transaction information in the first direction.
  • the communication unit 120 (i) when the transaction information of the specific first direction is generated, and transmits the transaction information of the specific first direction to the manager terminal (not shown) and the terminal of the first recipient right to specify Perform a process of supporting a first recipient right corresponding to the transaction information in the first direction to receive at least a portion of the first country currency acquired according to the transaction in the second direction, and (ii) the specific second direction
  • the transaction information is generated, the transaction information of the specific second direction is transmitted to the manager terminal and the terminal of the second recipient right, so that the second recipient right corresponding to the transaction information of the specific second direction according to the transaction of the first direction.
  • a process may be performed to assist in receiving at least some of the acquired second station calls.
  • the terminal of the first recipient may be a terminal (not shown) of the first applicant who applied for a currency exchange transaction according to the first exchange rate, but may be a separate terminal. In the latter case, the first recipient and the first applicant may be different. However, even when the first recipient and the first applicant are the same, the terminal of the first recipient and the terminal of the first applicant may be different. For example, when the terminal of the first applicant is a stationary terminal, the terminal of the first recipient may be a different mobile terminal. The above is equally applied between the terminal of the second recipient and the terminal of the second applicant who applied for currency exchange or remittance transaction according to the second exchange rate.
  • the communication unit 120 may further transmit transaction information in a specific first direction to the terminal of the first applicant.
  • the communication unit 120 may further transmit transaction information in a specific second direction to the terminal of the second applicant.
  • the communication unit 120 (i) user B deposits the amount of the second country currency to be exchanged in the first country currency in accordance with the first exchange rate in a predetermined account to exchange the exchange rate according to the first exchange rate;
  • the transaction information of the specific first direction indicating that the transaction has been generated is transmitted
  • the transaction information of the specific first direction is transmitted to the manager terminal of the server 100 and the terminal of the user B who is the first recipient.
  • Process to assist in receiving at least a portion of the first country currency obtained in accordance with the transaction of the direction and (ii) the amount of the first country currency that User A will exchange to the second country currency at the second exchange rate.
  • the manager terminal of the server 100 and the second recipient of the transaction information in the specific second direction Transmit to support the user C to receive at least a portion of the second station currency acquired according to the transaction in the first direction.
  • the processor 130 to be described later when the transaction information in a specific first direction is generated, the processor 130 to be described later generates a first unique value for identifying the receiving authority of the first recipient, and transmits the first unique value to the terminal of the first recipient.
  • a second unique value for identifying the receiving right of the second recipient may be generated and transmitted to the terminal of the second recipient.
  • the first unique value may be identification information of the first recipient
  • the second unique value may be identification information of the second recipient.
  • the first recipient or the second recipient is a first unique value or a second unique value for verifying the right to receive a visit to a place (eg, a predetermined place at an airport) designated in the first direction transaction information or the second direction transaction information. You can give a value.
  • the first eigenvalue or the second eigenvalue may be input to the manager terminal.
  • the manager terminal may transmit the input first eigenvalue or second eigenvalue to the server 100.
  • the processor 130 to be described later verifies the first eigenvalue or the second eigenvalue, and obtains information on the verification result of the first recipient. Transmission to the terminal or the terminal of the second recipient. Information about the verification result may also be transmitted to the manager terminal.
  • the first recipient or the second recipient can receive the money exchanged or remitted.
  • the manager terminal may transmit information indicating the receipt fact to the server 100. have.
  • the communication unit 120 of the server 100 may transmit information indicating the completion of receipt to the recipient terminal (terminal of the first recipient or terminal of the second recipient) and the manager terminal. If the terminal of the applicant and the terminal of the recipient is different, information indicating the completion of receipt may be transmitted to the terminal of the applicant.
  • the above-mentioned "transfer" includes not only sending a text message or a push message but also providing the web or application in a form that can be viewed. However, unlike the above, the exchanged amount or the remitted amount may be deposited into a predetermined account. In particular, international remittance may be made in the form of direct deposit rather than on-site receipt.
  • the first recipient or the second recipient may receive a cash change or remittance in cash or receive a deposit in a predetermined account, but the exchange amount or remittance is charged.
  • Card may be issued.
  • the first recipient or the second recipient may receive the card at the place (eg, an airport) designated in the exchange or remittance transaction application.
  • the user can use the card to withdraw cash from ATMs in airports or in countries where exchanged currencies are used, or make payments directly at card merchants.
  • the balance of the card is reduced by the amount of cash or payment withdrawn.
  • additional exchange or additional remittance may be performed. That is, when the issued card is authenticated by inputting the unique number of the issued card and the like, and the information corresponding to the additional currency exchange amount or the additional money transfer transaction amount is detected, the database manager 110 exchanges the additional currency according to the predetermined exchange rate. It may support generating or generating additional currency exchange information or additional money transaction information indicating that a transaction or additional money transfer transaction has been completed, and the balance of the card may be increased by an amount of a foreign currency corresponding to the additional currency transaction information or additional money transaction information. .
  • the database manager 110 closes the reverse exchange at a predetermined exchange rate. It may be supported to generate or generate reverse exchange transaction information indicating that the transaction is reversed, and to reverse exchange foreign currency amounts corresponding to the reverse exchange transaction information on the card.
  • the amount of money exchanged or transferred to the card may be charged in a plurality of currencies.
  • a person traveling in Europe may be charged Euros, British Pounds, and Turkish Liars.
  • the database manager 110 determines a predetermined value. According to the exchange rate of the currency exchange transaction information indicating that the exchange transaction has been completed may be generated or generated, and on the card it may be supported to exchange or exchange the amount of a currency of the A country currency to the b amount of the currency of the B country.
  • each of the A station currency and the B station currency may be any one of the aforementioned first station currency, second station currency, or currency of a country other than the first station currency and the second station currency. For example, a traveler who leaves for Turkey after completing a trip to the United Kingdom can exchange the remaining pounds on the card to Lira.
  • a money exchange amount or a remittance amount may be filled into the issued card.
  • the above-described card may include a virtual card such as a mobile app card as well as a physical card such as a magnetic card.
  • a virtual card such as a mobile app card
  • a physical card such as a magnetic card.
  • the present invention allows the user to accumulate foreign currency in the card in advance when the exchange rate is good.
  • a deposit function may be provided if a certain interest rate is guaranteed against the reserve.
  • the exchange rate in the case of a credit card user, not only the exchange rate is disadvantageous but also the user bears the risk of exchange rate fluctuation by applying a real-time exchange rate, but in the case of the present invention, it is advantageous in exchange rate compared to a credit card and the risk of exchange rate fluctuation can be dispersed .
  • exchange customers may be able to escape a great deal of anxiety caused by putting their money in advance and receiving money later.
  • the database manager 110 detects the transfer in the first direction indicating that the remittance transaction was completed at the first exchange rate. You can also create or support generating information. In other words, the above-described transactions in the first direction may be exchanged as well as remitted.
  • the present invention is able to quickly form and expand the remittance pool of buyers while matching the demand of foreign remittances through the currency exchange demand in the above-described method, after all, excellent matching between remittance demands between a plurality of countries due to the expanded remitter pool Can be done.
  • the demand for money exchange or overseas remittance can be matched to 1: 1.
  • a currency exchange or remittance service centered on Korea
  • 4 and 5 is a conceptual diagram for explaining the exchange or transfer mechanism according to an embodiment of the present invention.
  • user A of the second station may attempt to exchange the amount of currency of the second station into the first station currency.
  • the user B since there is a user B of the first country who wants to transfer the amount of the first country's currency to the third country, the user B can transfer the amount of the first country's currency to the third country to the user A. That is, unlike the case of FIGS. 1 and 2 described above, the user A acquires a currency exchange amount through the user B of the first country who wants to transfer to a third country, but not to the user who wants to transfer to the second country or to the currency of the second country. You can do it.
  • the above-described database management unit 110 (i) when the information corresponding to the amount of the currency of the second country to be exchanged in the currency of the first country according to the first exchange rate is detected, the exchange transaction has been made in accordance with the first exchange rate. And (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country according to a second exchange rate, and (ii) to generate or provide transaction information in the a-direction.
  • the communication unit 120 is an amount to be received by the currency exchange recipient corresponding to the transaction information in the specific a-direction among the transaction information in the a-direction, and at least a part of the currency of the first country acquired according to the transaction in the b-direction. Can assist you in receiving.
  • the database manager 110 (i) when the user A deposits an amount of a second country currency to be converted into a first country currency according to a first exchange rate, into a predetermined account, the first account; Support for generating or generating transaction information in a particular direction a indicating that a currency exchange transaction has been completed at an exchange rate, and (ii) the amount of the currency of the first country in which User B will remit to User C in the third country at a second exchange rate;
  • the communication unit 120 transmits (i) the transaction information in the specific a-direction to the manager terminal and the terminal of A, which is the money exchange recipient, so that the money-changing recipient A corresponding to the transaction information in the specific a-direction is the first agent. support to receive at least a portion of the first country currency acquired according to the b direction transaction.
  • the transaction information in the b-direction the transaction information in the b-1 direction indicating that the exchange or remittance transaction was completed according to the 2-1 exchange rate, according to the 2-2 exchange rate
  • Transaction information in the direction of b-2 indicating that a currency exchange or remittance transaction is completed
  • transaction information in a bn direction indicating that a currency exchange transaction or a remittance transaction has been completed according to a second-n exchange rate
  • the transaction information in a direction b-1 includes a third transaction according to the second-1 exchange rate.
  • the transaction information in the direction b-2 is the second; -2 generated when information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country's currency according to the exchange rate is detected; , and (iii) the transaction information in the bn direction includes information corresponding to the amount of the first country currency to be exchanged or remitted to the third-n country according to the second-n exchange rate. It may be generated if detected.
  • user D of the third country may want to exchange the amount of the third country's currency into the fourth country's currency.
  • the user C of the third country receiving the remittance from the user B of the first country can obtain the amount of the third country's currency from the user D of the third country.
  • the demand for remittance or exchange across three or more countries may form a closed loop, unlike in FIG. 4.
  • user E of the fourth country may wish to transfer the amount of currency of the fourth country to user F in the second country, in which case user F in the second station may refer to the aforementioned second second.
  • the currency of the second station to be exchanged can be obtained from the user A of the station.
  • the user D of the third country can obtain the amount of the currency of the fourth country presented by the user E of the fourth country.
  • the processor 130 performs a function of controlling the flow of data between the database manager 110 and the communicator 120. That is, the processor 130 controls the flow of data between the components of the server 100, thereby controlling the database management unit 110 and the communication unit 120 to perform a unique function.
  • the processor 130 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 user terminal 200 may basically be the applicant's terminal described above.
  • the terminal of the applicant and the terminal of the recipient may be the same terminal or may be another terminal.
  • the user terminal 200 may be a mobile terminal or a stationary terminal.
  • FIG. 6 is a block diagram showing the configuration of a user terminal according to an embodiment of the present invention.
  • the user terminal 200 may include a user interface providing unit 210, a communication unit 220, and a processor 230.
  • the user interface providing unit 210 detects information corresponding to the amount of the second country's currency to be exchanged into the first country's currency according to the first exchange rate and indicates that the exchange transaction has been completed at the first exchange rate.
  • Direction transaction information and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the second country's currency according to a second exchange rate is detected and the second exchange rate is detected.
  • the process of generating transaction information in the second direction indicating that the exchange transaction or the remittance transaction is completed is performed or repeated, so that the transaction information in the at least one first direction and the transaction information in the at least one second direction are performed.
  • the specific first direction transaction request or the first station currency to be exchanged for the second country currency according to the first exchange rate to the first country currency or the second country currency.
  • the rate of the exchange can support a second station call, or to send or transmit specific second direction transaction request to the server 100 to transfer to the second station.
  • the transmitting of the specific first direction transaction request or the specific second direction transaction request to the server 100 is based on the amount of the second station currency to be converted into the first country currency according to the specific first direction transaction. And supporting information corresponding to the amount of the currency of the first country to be exchanged or remitted to the second country currency according to the corresponding information or the specific second direction transaction. For example, an amount of money to be exchanged or remitted may be deposited together with a currency exchange or remittance transaction request.
  • the communication unit 220 supports (i) receiving at least a portion of the currency of the first country acquired in accordance with the transaction in the second direction as an amount to be received by the first recipient corresponding to the transaction information in the specific first direction. Or (2) a process for receiving at least a portion of the second country currency acquired according to the transaction in the first direction as an amount to be received by the second recipient right corresponding to the transaction information in the specific second direction. Can be done.
  • the user interface providing unit 210 described above (i) the information corresponding to the amount of the currency of the second country to be exchanged in the first country currency in accordance with the first exchange rate is detected and the exchange transaction is completed according to the first exchange rate A process of generating transaction information in the a-direction indicating that the transaction is generated; and (ii) information corresponding to the amount of the first country's currency to be exchanged or remitted to the third country according to the second exchange rate is detected.
  • the at least one transaction information in the first direction a and the transaction information in the at least one direction b are stored in the server.
  • the communication unit 220 may support to receive at least a portion of the currency of the first country acquired according to the transaction in the b direction as an amount to be received by the currency exchange recipient corresponding to the transaction information in the specific a direction. have.
  • the transmitting of the specific a-direction transaction request to the server 100 may allow information corresponding to the amount of the second-country currency to be converted into the first country currency according to the specific a-direction transaction. It may include doing.
  • the processor 230 performs a function of controlling the flow of data between the user interface providing unit 210 and the communication unit 220. That is, the processor 230 controls the flow of data between each component of the user terminal 200, thereby controlling the user interface providing unit 210 and the communication unit 220 to perform a unique function.
  • 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

La présente invention concerne un procédé consistant : (a) à acquérir des informations de transaction de première direction et de seconde direction par réalisation ou répétition d'un processus, qui génère les informations de transaction de première direction indiquant que des transactions d'échange monétaire ont été achevées selon un premier taux de change, et d'un processus, qui génère les informations de transaction de seconde direction indiquant que des transactions d'échange ou de transfert monétaire ont été achevées selon un second taux de change, lorsque des informations, correspondant au montant d'argent, d'une première devise de pays, qui doit être échangé dans une seconde devise de pays ou transféré à un second pays selon le second taux de change, sont détectées ; et (b) à permettre à un premier destinataire correspondant aux information de transaction de première direction de recevoir, en tant que montant d'argent à recevoir, la première devise de pays acquise par les transactions de seconde direction et permettre à un second destinataire correspondant aux informations de transaction de seconde direction de recevoir, en tant que montant d'argent à recevoir, la seconde devise de pays acquise par la transaction de première direction.
PCT/KR2016/010280 2015-10-06 2016-09-12 Procédé, serveur et terminal utilisateur pour prendre en charge un échange ou transfert monétaire à un taux de change prédéterminé WO2017061713A1 (fr)

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KR10-2015-0140631 2015-10-06
KR1020150140631A KR101640156B1 (ko) 2015-10-06 2015-10-06 소정의 환율로 환전 또는 송금을 수행하는 것을 지원하기 위한 방법, 서버 및 사용자 단말

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KR101864408B1 (ko) * 2016-11-24 2018-06-04 윤형운 입금자 구별 맵핑 시스템을 이용한 환전 서비스 제공 시스템

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KR101065423B1 (ko) * 2008-12-29 2011-09-16 주식회사 신한은행 해외점포와 제휴된 현지 여행사를 통한 카드 발급방법 및 기록매체
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