WO2017078307A1 - Method, server, and user terminal for supporting to perform currency exchange at predetermined exchange rate - Google Patents

Method, server, and user terminal for supporting to perform currency exchange at predetermined exchange rate Download PDF

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Publication number
WO2017078307A1
WO2017078307A1 PCT/KR2016/011845 KR2016011845W WO2017078307A1 WO 2017078307 A1 WO2017078307 A1 WO 2017078307A1 KR 2016011845 W KR2016011845 W KR 2016011845W WO 2017078307 A1 WO2017078307 A1 WO 2017078307A1
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Prior art keywords
exchange
currency
information
reservation
exchange rate
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PCT/KR2016/011845
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French (fr)
Korean (ko)
Inventor
이성주
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마이뱅크주식회사
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Publication of WO2017078307A1 publication Critical patent/WO2017078307A1/en

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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
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a method for supporting exchange of money at a predetermined exchange rate, a server, and a user terminal. More particularly, the exchange of foreign currency obtained from a private exchange office, etc., at an exchange rate auction exchanged is performed. A method, a server and a user terminal for supporting the same.
  • private exchange offices Unlike private banks, private exchange offices often operate currency exchanges until late at night, but they are small in size and have limited limits on the amount of foreign currency that can be managed.At 4pm on weekdays, foreign currency excluding foreign currency is sold until late at night. Sell to your bank. As such, when a private exchange sells a foreign currency to a bank, it is common to sell the foreign currency to a bank at a price lower than the exchange rate.
  • the private exchange office can sell foreign currency not lower than the standard exchange rate, and the currency exchange user can conveniently exchange money without going to the private exchange office late at night or using an expensive exchange office. There is a need for technical measures to ensure this.
  • the present invention aims to solve all the above-mentioned problems.
  • the present invention can be sold after 4 pm private exchange offices to sell foreign currency not lower than the standard exchange rate, the currency exchange buyers can easily exchange money without going to the private exchange office late at night or using an expensive exchange office To make it possible to do so for other purposes.
  • the present invention obtains a specific currency based on the day-to-day exchange rate of the specific currency for the trading bank from the private exchange office after about 4 pm, by proceeding auction against the currency exchange for the specific currency obtained, private exchange office It is another object to make it possible to sell foreign currency not lower than the exchange rate, and to make it easier for foreign exchange buyers to buy foreign currency at an advantageous price than the airport exchange office.
  • the present invention by the foreign exchange buyers simply participate in the foreign currency auction through their terminal and receive the foreign currency that has been won in the auction at the airport so that the foreign exchange consumer can conveniently buy foreign currency at a lower price than the airport exchange office
  • Another purpose is to be able to pick up at the airport.
  • the present invention is to make a currency exchange reservation or exchange transaction in the above manner and when the receiving authority of the recipient of the foreign currency is identified, a card filled with the exchanged foreign currency is issued to use the foreign currency conveniently exchanged in the form of a cash card To do it for another purpose.
  • a method for supporting a currency exchange at a predetermined exchange rate comprising: (a) obtaining a specific currency from a private exchange center based on the day-to-day exchange rate of the specific currency for a trading bank, Providing, by the server, exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate as trading start exchange rate information, (b) by at least one user, based on the trading start exchange rate information; And when the exchange rate information is set, the server determines the user who presented the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information as the counterpart of a currency exchange transaction or a currency exchange reservation, and (c) the When information corresponding to the amount of a currency exchange transaction or the exchange reservation is detected, the server exchanges the currency exchange example or the currency exchange example.
  • the other party based on the rates entered by the determined user with a method comprising the steps of: supporting the currency exchange or the exchange reservation
  • a method for supporting a currency exchange at a predetermined exchange rate comprising: (a) a specific currency is exchanged by the server based on the day-to-day exchange rate of the specific currency from the private exchange to the trading bank.
  • the user terminal When the user terminal is obtained, receiving and displaying exchange rate information within a predetermined range from the same day trading basis exchange rate information or the same day selling basis exchange rate information from the server as trading start exchange rate information, and (b) the user of the user terminal.
  • the exchange rate information set based on the trading start exchange rate information is input by the user terminal, the user terminal causes the server to (i) be within the top n rank within a predetermined range of exchange rate information input by at least one user.
  • a method comprising the step of assisting to generate currency exchange transaction information or currency exchange reservation information.
  • a server for supporting exchange of currency at a predetermined exchange rate when a specific currency is obtained from a private exchange center based on the day-to-day exchange rate of the specific currency for the trading bank,
  • the exchange rate information set based on the exchange rate exchange information started by the communication unit which provides the exchange rate information within a predetermined range from the transaction rate exchange rate information or the trading basis exchange rate on the day, as at least one user
  • a processor for determining a user who presented high exchange rate information in the top n rank among the input exchange rate information as a counterpart of a currency exchange transaction or a currency exchange reservation, and information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected.
  • a user determined as the counterpart of the currency exchange transaction or the currency exchange reservation The server containing the Exchange database or the transaction manager to support the exchange reserve is to create a currency transaction exchange information or reservations, or create, indicating that the sacraments are provided according to the exchange rate entered by.
  • a specific currency is obtained by the server based on the day-to-day exchange rate of the specific currency from the private exchange office to the trading bank.
  • a user interface providing unit for receiving and displaying exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate information from the server, and displaying the exchange rate information by the user of the user terminal.
  • exchange rate information set on the basis of exchange rate information is input, the server exchanges (i) a user who presents high exchange rate information in the top n rank within a predetermined range among exchange rate information input by at least one user.
  • a user terminal includes a communication unit for generating exchange reservation information.
  • the private exchange office can sell foreign currency not lower than the standard exchange rate, and the currency exchange user can conveniently exchange money without going to a private exchange office late at night or using an expensive airport exchange office. It can be effective.
  • the present invention obtains a specific currency based on the day-to-day exchange rate of the specific currency for the trading bank from the private exchange office after about 4 pm, by proceeding auction against the currency exchange for the specific currency obtained, private exchange office
  • the foreign currency can be sold not lower than the exchange rate, and the exchanger can easily purchase the foreign currency at a more favorable price than the airport exchange office.
  • the present invention by the foreign exchange buyers simply participate in the foreign currency auction through their terminal and receive the foreign currency that has been won in the auction at the airport so that the foreign exchange consumer can conveniently buy foreign currency at a lower price than the airport exchange office It has the effect of being picked up at the airport.
  • the present invention is to make a currency exchange reservation or exchange transaction in the above manner and when the receiving authority of the recipient of the foreign currency is identified, a card filled with the exchanged foreign currency is issued to use the foreign currency conveniently exchanged in the form of a cash card It is effective.
  • 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.
  • FIG. 3 is a flowchart of a method for supporting exchange operation according to an embodiment of the present invention.
  • FIG. 4 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 showing the configuration of a currency exchange system according to an embodiment of the present invention.
  • a currency exchange system 1000 includes a server 100, a user terminal 200, a currency exchange terminal 300, and a delivery terminal 400.
  • the server 100 may obtain the same day exchange rate exchange rate information of a specific currency for each of the trading banks of the plurality of private exchange offices 30-1, 30-2, ..., 30-n. .
  • the service provider managing the server 100 is a specific currency based on the day-by-day exchange rate of the specific currency for each trading bank from a plurality of private exchange (30-1, 30-2, ..., 30-n) You can purchase For example, if the trading basis exchange rate for the same day yuan of A private exchange office is 180 won, the service provider managing the server 100 may purchase the yuan for the trading basis exchange rate 180 won or slightly higher 181 won. Can be.
  • the server 100 may provide exchange rate information within a predetermined range from the same day trading basis exchange rate information or the same day trading basis exchange rate information as the trading start exchange rate information.
  • the trading start exchange rate information may be information on the amount of money auction is started.
  • At least one user may bid for a foreign currency auction by inputting exchange rate information desired to purchase through his or her user terminal 200-1, 200-2,. Two or more user terminals may be provided, but two user terminals are illustrated for convenience of description.
  • the server 100 may present high exchange rate information in the top n rank within a predetermined range among the input exchange rate information. At least some of the information may be determined as a counterpart of a currency exchange transaction or a currency exchange reservation. For example, a user who presents the highest exchange rate information within an airport exchange rate range among exchange rate information input by a plurality of users may be a counterpart of a currency exchange transaction or a currency exchange reservation. As such, when a user determined as a counterpart of a currency exchange or exchange reservation inputs information corresponding to the amount of a currency exchange or exchange reserve, a currency exchange or exchange reserve may be established.
  • the server 100 exchanges the currency exchange transaction or the currency exchange according to the exchange rate input by the user determined as the counterpart of the currency exchange transaction or the currency exchange reservation. It may assist in generating or generating exchange transaction information or exchange reservation information indicating that the reservation has been made.
  • the detection of the information corresponding to the amount of the currency exchange transaction or the currency exchange reservation (i) the amount of the currency exchange transaction or the currency exchange reservation is deposited into a predetermined account, or (ii) the amount of money exchange transaction or the currency exchange reservation Virtual points corresponding to are used or (iii) a collateral corresponding to the amount of the currency exchange transaction or the currency exchange reservation is paid.
  • the server 100 may transmit information on a specific place and a specific date and time to receive the foreign currency to the foreign currency recipient terminal to support the foreign currency recipient to receive the foreign currency at the specific place at the specific date and time.
  • the foreign currency recipient terminal may be a user terminal 200-1 that has made a bid for a foreign currency auction or may be a separate terminal. In the latter case, the recipient of the foreign currency and the user who bids on the foreign currency auction may be different. Even if the foreign currency recipient and the user who bid in the foreign currency auction are the same, the foreign currency recipient terminal and the user terminal that bid in the foreign currency auction may be different.
  • a user terminal that has made a bid for a foreign currency auction may be a stationary terminal, and a foreign currency receiver terminal may be a mobile terminal.
  • the server 100 transmits information on the specific place and the specific date and time to at least some of a delivery server (not shown) and a delivery terminal, so that a delivery person dispatches to the specific place at the specific date and time to exchange foreign currency. Support can be delivered to the recipient.
  • the server 100 transmits information about a specific place and a specific date and time to the delivery person terminal 400 so that a delivery person having the delivery person terminal 400 moves to a specific place at a specific date and time and receives foreign currency. It can be seen that it is supported to deliver to foreign currency recipients.
  • the specific place may be an airport 40.
  • FIG. 2 is a block diagram showing a configuration of a server according to an embodiment of the present invention
  • Figure 3 is a flow chart of a method for supporting the exchange performed according to an embodiment of the present invention.
  • the server 100 may include a communication unit 110, a processor 120, and a database manager 120.
  • the communication unit 110 may obtain the exchange rate information on the same day of a specific currency for each of the trading banks of the plurality of private exchange offices 30-1, 30-2, ..., 30-n.
  • the private exchange terminal may inquire whether to buy or sell a specific currency on the basis of the day-to-day exchange rate of the specific currency to the bank (S310).
  • S310 day-to-day exchange rate of the specific currency to the bank.
  • private exchange offices are often open until late at night, but they are small in size and have limited limits on the amount of foreign currency that can be managed. Often sold to your bank. However, when the private exchange sells foreign currency to the bank, the foreign currency is usually sold to the bank at a price lower than the trading exchange rate. Therefore, the communication unit 110 sells the remaining foreign currency to the service provider at a higher price. Is to inquire.
  • the communication unit 110 trades the exchange rate information within a predetermined range from the day-to-day exchange rate information or the day-to-day exchange rate. It may be provided to the user terminal 200 as the start exchange rate information (S320). The acquisition of the specific currency may be made within a predetermined time after a specific time point when the market of foreign currency trading ends.
  • the processor 120 is a component that performs various data operations and processing.
  • the processor 120 may present the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information.
  • the user may be determined to be a counterpart of a currency exchange transaction or a currency exchange reservation (S330). That is, when a bid for an exchange rate auction is made through at least one user terminal, the processor 120 may present a user with a bid exchange rate of high exchange rate information in a top n rank within a predetermined range among input exchange rate information. May be determined as the counterpart of the exchange transaction or exchange reservation.
  • the processor 120 performs a function of controlling the flow of data between the communication unit 110 and the database manager 130 to be described later. That is, the processor 120 controls the flow of data between the components of the server 100, thereby controlling the communication unit 110 and the database manager 130 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.
  • the database manager 130 When the counterpart of a currency exchange transaction or currency exchange reservation is determined, and the information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected, the database manager 130 generates or generates currency exchange transaction information or currency exchange reservation information. to be. More specifically, the database management unit 130, when information corresponding to the amount of the currency exchange transaction or the exchange reservation is detected (S340-Y), the exchange rate input by the user determined as the counterpart of the currency exchange transaction or the exchange reservation In operation S350, the exchange transaction information or the exchange reservation information indicating that the exchange transaction or the exchange reservation is completed may be generated or generated.
  • the payment agency server if it detects the information corresponding to the currency exchange amount or the exchange reservation amount for booking the exchange transaction, the exchange transaction amount or exchange reservation amount Information indicating that the payment has been made may be transmitted to the server 100.
  • Payment Gateway Server Payment Gateway Server
  • Currency exchange transaction information or exchange reservation information generated as described above may be stored in a database. On the other hand, if information corresponding to the amount of the currency exchange transaction or currency exchange reservation is not detected within a predetermined time (S340-N), the process of the currency exchange transaction or currency exchange reservation may be stopped (S355).
  • the communication unit 110 transmits the exchange transaction information or the exchange reservation information to a foreign currency recipient terminal (S360) to exchange money according to the exchange rate input by the user determined as the counterpart of the exchange transaction or exchange reservation. Can help you lose.
  • the exchange transaction information or the exchange reservation information may include at least some of foreign currency information to be exchanged, confirmed exchange rate information, and exchange amount information.
  • the communication unit 110 (i) the process of generating a unique value for identifying the receiving authority of the recipient of the foreign currency, and transmits to the foreign currency recipient terminal and (ii) information about the specific place and the specific date and time to receive the foreign currency.
  • the communication unit 110 may perform at least some of the process of supporting the foreign currency recipient right to receive the foreign currency at the specific place (S370).
  • the eigenvalue may be identification information of the foreign currency recipient.
  • the communication unit 110 transmits the information about the specific place and the specific date and time to at least some of the delivery server and the delivery terminal, so that the deliverer is dispatched to the specific place at the specific date and time. It may assist in delivering foreign currency to the recipient of the foreign currency.
  • the delivery server is a server that manages the foreign currency delivery status, and may store at least some of the exchange money exchange information, the foreign currency delivery place and date and time, and the unique value information for identifying the recipient of the foreign currency recipient.
  • the particular location may be the airport 40 as shown in FIG.
  • the recipient of a foreign currency may present an intrinsic value attesting to the authority of receiving the foreign currency at a particular place.
  • the eigenvalue may be input to the deliverer terminal 400.
  • the deliverer terminal 400 may transmit the inputted unique value to the server 100 or a delivery server (not shown).
  • the processor 120 compares the received eigenvalue with the generated eigenvalue and provides information on a comparison result of the deliverer terminal 400, the delivery server, and the foreign currency recipient. It may be transmitted to at least some of the terminals. If the receiving right of the foreign currency recipient is identified according to the eigenvalue, the foreign currency recipient can receive the foreign currency in cash at the specific place described above. Alternatively, the exchanged foreign currency may be deposited into a predetermined account.
  • the delivery terminal 400 may transmit information indicating the fact of receiving the foreign currency to the server 100 or the delivery server. have. In the case of exchange reservations, the recipient of the foreign currency may receive the foreign currency at the remaining balance excluding the exchange reservation amount from the exchange transaction amount.
  • the communication unit 110 (or the communication unit of the delivery server) of the server 100 may transmit information indicating the completion of the foreign currency receipt to the foreign currency recipient terminal and the deliverer terminal 400. When the user terminal 200 and the foreign currency recipient terminal are different, information indicating the completion of the foreign currency reception may be transmitted to the user terminal 200.
  • the card with the exchanged foreign currency can be issued.
  • the recipient of the foreign currency may receive the issued card at the place (eg, an airport) designated in the currency exchange application or currency reservation 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 exchanges may be made if the exchanged amount of the card becomes low using the exchanged foreign currency. That is, if the issued card is authenticated by inputting a unique number of the issued card and the like, and information corresponding to the additional exchange transaction amount for a specific currency is detected, the database manager 130 closes the exchange transaction at a predetermined exchange rate. It may support to generate or generate additional currency exchange information indicating that the exchange and the balance of the card is increased by the additional currency exchange.
  • the card If the card is used and the balance remains, it may be exchanged back in the original currency.
  • the database manager 130 closes the reverse exchange at a predetermined exchange rate. It is possible to generate or support reverse exchange transaction information indicating that the transaction is reversed, and to reverse exchange foreign currency balance of the reverse exchange transaction on the card.
  • the card When the user exchanges money in plural kinds of foreign currency, the card may be charged with plural kinds of exchanged foreign currency. For example, a person traveling in Europe may be charged Euros, British Pounds, and Turkish Liars.
  • the database manager 130 determines a predetermined value. According to the exchange rate of the currency exchange transaction information indicating that the transaction has been completed or may be generated to generate and may support to exchange a predetermined amount of the first currency on the card to a predetermined amount of the second 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.
  • the exchanged foreign currency may be charged with the issued card.
  • overseas remittances can be made in a simple way. For example, in the case of a foreign remittance from State A to State B, if the issued card of the person in State B is authenticated, the exchanged foreign currency amount may be charged to the person's Card in State B. If you own a card for each business operator, you can use it to collect payments such as overseas shopping.
  • 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 exchange transaction or exchange reservation may be cancelled. If the exchange is canceled reservation may be paid to the service provider managing the server 100 as a cancellation fee.
  • FIG. 4 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 if a specific currency is obtained by the server 100 based on the day-to-day exchange rate of the specific currency from the private exchange office to the trading bank, the server-based exchange rate information of the same day or the day
  • the exchange rate information within a predetermined range may be provided as the exchange rate exchange information from the trading standard exchange rate on the day and may be displayed.
  • the user interface providing unit 210 may display the information on a specific application or a web browser.
  • the user terminal 200 may be a mobile terminal or a stationary terminal. When the user terminal 200 is a mobile terminal, the information may be provided through a dedicated application, and the user terminal 200 may be a PC. In the case of the stationary terminal, the information may be provided through a web browser, but is not necessarily limited thereto.
  • the communication unit 220 is a configuration for transmitting and receiving various information with the server 100.
  • the communication unit 220 when the exchange rate information set on the basis of the trading start exchange rate information is input by the user of the user terminal 200, and transmits the set exchange rate information to the server 100 to cause the server 100 (i) assisting a user who has presented a high exchange rate information in the top n rank within a predetermined range of exchange rate information input by at least one user as the counterpart of a currency exchange transaction or exchange reservation, and (ii) the currency exchange transaction.
  • the exchange transaction information or the exchange reservation indicating that the exchange transaction or the exchange reservation was completed according to the exchange rate input by the user determined as the counterpart of the exchange transaction or the exchange reservation. It can help generate information.
  • 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 user terminal 200 described above may be implemented by various mobile devices.
  • the present invention may be implemented as any one of a smartphone, a tablet PC, a smart watch, smart glasses, a PMP, an MP3 player, a PDA, a cell phone, a laptop computer, and other mobile terminal devices.
  • 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

The present invention provides a method comprising the steps of: (a) when a specific currency is acquired from a private currency exchange office on the basis of information on a trading-reference exchange rate of the day for the specific currency with respect to a trading bank, providing information on an exchange rate within a predetermined range from the trading-reference exchange rate of the day, as information on an exchange rate at the beginning of trade; (b) when information on an exchange rate configured on the basis of the information on the exchange rate at the beginning of trade is input, determining a user who has presented high exchange rate information within the top n ranks as a counterpart for currency exchange trade; and (c) when information corresponding to the amount of the currency exchange trade is detected, generating currency exchange trade information indicating that the currency exchange trade has been settled according to an exchange rate input by the user determined as the counterpart.

Description

소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법, 서버 및 사용자 단말Method, server and user terminal for supporting exchange at a given exchange rate
본 발명은, 소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법, 서버 및 사용자 단말에 관한 것으로, 좀더 상세하게는 사설환전소 등으로부터 획득한 외환을 환율 경매를 통해 낙찰된 환율로 환전을 수행하는 것을 지원하기 위한 방법, 서버 및 사용자 단말에 관한 것이다.The present invention relates to a method for supporting exchange of money at a predetermined exchange rate, a server, and a user terminal. More particularly, the exchange of foreign currency obtained from a private exchange office, etc., at an exchange rate auction exchanged is performed. A method, a server and a user terminal for supporting the same.
종래에는 일반인이 외화를 구입하기 위해서 은행을 방문해야 했으나, 2015년부터는 일반인도 사설환전소를 통해 적법하게 외화를 구입할 수 있게 되었다. 이에 따라 한국은행에 등록된 전국의 1400여개 환전소에서 일반인을 상대로 한 외화 거래가 활발히 이루어지게 되었다. Conventionally, the general public had to visit a bank to purchase foreign currency, but since 2015, the general public can legally purchase foreign currency through a private exchange office. As a result, foreign currency transactions with the general public were actively conducted at more than 1,400 exchange offices registered with the Bank of Korea.
일반적으로 사설환전소는 은행과 달리 밤 늦게까지 환전 영업을 하는 경우가 많지만 규모가 작아 관리할 수 있는 외화 규모에 한계가 있는 바, 평일 오후 4시경이 되면 밤 늦게까지 환전 수요자에게 팔 물량을 제외한 외화를 거래 은행에 매도한다. 이처럼 사설환전소가 거래 은행에 외화를 매도하는 경우, 통상적으로 매매 기준 환율보다 낮은 가격으로 외화를 거래 은행에 매도하는 것이 일반적이다.Unlike private banks, private exchange offices often operate currency exchanges until late at night, but they are small in size and have limited limits on the amount of foreign currency that can be managed.At 4pm on weekdays, foreign currency excluding foreign currency is sold until late at night. Sell to your bank. As such, when a private exchange sells a foreign currency to a bank, it is common to sell the foreign currency to a bank at a price lower than the exchange rate.
이처럼 평일 오후 4시경 이후에는 사설환전소 입장에서 매매 기준 환율보다 낮은 가격에 외화를 매도하게 되게 되는 불리함이 있다. 한편, 환전 수요자 입장에서는 은행의 영업시간 종료 후 환전하기 위해 밤 늦게 사설환전소를 찾아 다니거나 환전 수수료가 비싼 공항환전소를 이용해야 하는 불편이 있다. As such, after 4 pm on weekdays, there is a disadvantage that a foreign exchange is sold at a price lower than the standard exchange rate from a private exchange place. On the other hand, the demand for currency exchange is inconvenient to visit a private exchange office late at night or to use an airport exchange office with a high exchange fee to exchange money after the bank's business hours are over.
따라서, 오후 4시경 이후에도 사설환전소가 매매 기준 환율보다 낮지 않게 외화를 매도할 수 있고, 환전 수요자가 밤 늦게 사설환전소를 찾아 다니거나 환전 수수료가 비싼 공항환전소를 이용하지 않고 편리하게 환전을 수행할 수 있도록 할 수 있는 기술 방안이 요청된다.Therefore, after around 4 pm, the private exchange office can sell foreign currency not lower than the standard exchange rate, and the currency exchange user can conveniently exchange money without going to the private exchange office late at night or using an expensive exchange office. There is a need for technical measures to ensure this.
본 발명은 상술한 문제점들을 모두 해결하는 것을 그 목적으로 한다. The present invention aims to solve all the above-mentioned problems.
또한, 본 발명은 오후 4시경 이후에도 사설환전소가 매매 기준 환율보다 낮지 않게 외화를 매도할 수 있고, 환전 수요자가 밤 늦게 사설환전소를 찾아 다니거나 환전 수수료가 비싼 공항환전소를 이용하지 않고 편리하게 환전을 수행할 수 있도록 하는 것을 다른 목적으로 한다. In addition, the present invention can be sold after 4 pm private exchange offices to sell foreign currency not lower than the standard exchange rate, the currency exchange buyers can easily exchange money without going to the private exchange office late at night or using an expensive exchange office To make it possible to do so for other purposes.
또한, 본 발명은 오후 4시경 이후에 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 획득하여, 획득된 특정 통화에 대해 환전 수요자를 상대로 경매를 진행함으로써, 사설환전소가 매매 기준 환율보다 낮지 않게 외화를 매도할 수 있고, 환전 수요자가 공항환전소보다 유리한 가격에 간편하게 외화를 매입할 수 있도록 하는 것을 또 다른 목적으로 한다. In addition, the present invention obtains a specific currency based on the day-to-day exchange rate of the specific currency for the trading bank from the private exchange office after about 4 pm, by proceeding auction against the currency exchange for the specific currency obtained, private exchange office It is another object to make it possible to sell foreign currency not lower than the exchange rate, and to make it easier for foreign exchange buyers to buy foreign currency at an advantageous price than the airport exchange office.
또한, 본 발명은 환전 수요자가 자신의 단말을 통해 간편하게 외화 경매에 참여하고 경매에 낙찰된 외화를 공항에서 수령함으로써 환전 수요자가 사설환전소를 돌아다니지 않고 편리하게 공항환전소보다 저렴한 가격에 외화를 매입하고 공항에서 수령할 수 있도록 하는 것을 또 다른 목적으로 한다. In addition, the present invention by the foreign exchange buyers simply participate in the foreign currency auction through their terminal and receive the foreign currency that has been won in the auction at the airport so that the foreign exchange consumer can conveniently buy foreign currency at a lower price than the airport exchange office Another purpose is to be able to pick up at the airport.
또한, 본 발명은 상기와 같은 방식으로 환전 예약이나 환전 거래를 하고 외화수령권자의 수령권한이 식별되면, 환전된 외화가 충전된 카드가 발급되어 현금카드 형태로 편리하게 환전된 외화를 사용할 수 있도록 하는 것을 또 다른 목적으로 한다. In addition, the present invention is to make a currency exchange reservation or exchange transaction in the above manner and when the receiving authority of the recipient of the foreign currency is identified, a card filled with the exchanged foreign currency is issued to use the foreign currency conveniently exchanged in the form of a cash card To do it for another purpose.
상기 목적을 달성하기 위한 본 발명의 대표적인 구성은 다음과 같다.Representative configuration of the present invention for achieving the above object is as follows.
본 발명의 일 태양에 따르면, 소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법에 있어서, (a) 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 획득되면, 서버가, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 제공하는 단계, (b) 적어도 한 명의 사용자에 의해, 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 서버가, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하는 단계, 및 (c) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 서버가, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원하는 단계를 포함하는 것을 특징으로 하는 방법이 제공된다. According to one aspect of the present invention, there is provided a method for supporting a currency exchange at a predetermined exchange rate, the method comprising: (a) obtaining a specific currency from a private exchange center based on the day-to-day exchange rate of the specific currency for a trading bank, Providing, by the server, exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate as trading start exchange rate information, (b) by at least one user, based on the trading start exchange rate information; And when the exchange rate information is set, the server determines the user who presented the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information as the counterpart of a currency exchange transaction or a currency exchange reservation, and (c) the When information corresponding to the amount of a currency exchange transaction or the exchange reservation is detected, the server exchanges the currency exchange example or the currency exchange example. The other party based on the rates entered by the determined user with a method comprising the steps of: supporting the currency exchange or the exchange reservation is to create a currency exchange transaction information or exchange reservation information or generated to indicate that close is provided.
본 발명의 다른 태양에 따르면, 소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법에 있어서, (a) 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 서버에 의해 획득되면, 사용자 단말은, 상기 서버로부터 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 제공 받아 디스플레이하는 단계, 및 (b) 상기 사용자 단말의 사용자에 의해 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 사용자 단말이, 상기 서버로 하여금, (i) 적어도 한 명의 사용자에 의해 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하도록 지원하고, (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하도록 지원하는 단계를 포함하는 것을 특징으로 하는 방법이 제공된다. According to another aspect of the present invention, there is provided a method for supporting a currency exchange at a predetermined exchange rate, the method comprising: (a) a specific currency is exchanged by the server based on the day-to-day exchange rate of the specific currency from the private exchange to the trading bank. When the user terminal is obtained, receiving and displaying exchange rate information within a predetermined range from the same day trading basis exchange rate information or the same day selling basis exchange rate information from the server as trading start exchange rate information, and (b) the user of the user terminal. When the exchange rate information set based on the trading start exchange rate information is input by the user terminal, the user terminal causes the server to (i) be within the top n rank within a predetermined range of exchange rate information input by at least one user. Helping users who present high exchange rate information to be counterparts in currency exchange transactions or currency reservations And (ii) if information corresponding to the amount of the exchange transaction or the exchange reservation is detected, the exchange transaction or the exchange reservation is completed according to the exchange rate input by the user determined as the counterpart of the exchange transaction or the exchange reservation. A method is provided, comprising the step of assisting to generate currency exchange transaction information or currency exchange reservation information.
본 발명의 또 다른 태양에 따르면, 소정의 환율로 환전을 수행하는 것을 지원하기 위한 서버에 있어서, 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 획득되면, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 제공하는 통신부, 적어도 한 명의 사용자에 의해, 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하는 프로세서, 및 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원하는 데이터베이스 관리부를 포함하는 서버가 제공된다. According to still another aspect of the present invention, in a server for supporting exchange of currency at a predetermined exchange rate, when a specific currency is obtained from a private exchange center based on the day-to-day exchange rate of the specific currency for the trading bank, When the exchange rate information set based on the exchange rate exchange information started by the communication unit, which provides the exchange rate information within a predetermined range from the transaction rate exchange rate information or the trading basis exchange rate on the day, as at least one user, A processor for determining a user who presented high exchange rate information in the top n rank among the input exchange rate information as a counterpart of a currency exchange transaction or a currency exchange reservation, and information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected. , A user determined as the counterpart of the currency exchange transaction or the currency exchange reservation The server containing the Exchange database or the transaction manager to support the exchange reserve is to create a currency transaction exchange information or reservations, or create, indicating that the sacraments are provided according to the exchange rate entered by.
본 발명의 또 다른 태양에 따르면, 소정의 환율로 환전을 수행하는 것을 지원하기 위한 사용자 단말에 있어서, 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 서버에 의해 획득되면, 상기 서버로부터 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 제공받아 디스플레이하는 사용자 인터페이스 제공부, 및 상기 사용자 단말의 사용자에 의해 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 서버로 하여금, (i) 적어도 한 명의 사용자에 의해 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하도록 지원하고, (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하도록 지원하는 통신부를 포함하는 사용자 단말이 제공된다. According to another aspect of the present invention, in a user terminal for supporting exchange of currency at a predetermined exchange rate, a specific currency is obtained by the server based on the day-to-day exchange rate of the specific currency from the private exchange office to the trading bank. A user interface providing unit for receiving and displaying exchange rate information within a predetermined range from the same day trading standard exchange rate information or the same day trading standard exchange rate information from the server, and displaying the exchange rate information by the user of the user terminal. When exchange rate information set on the basis of exchange rate information is input, the server exchanges (i) a user who presents high exchange rate information in the top n rank within a predetermined range among exchange rate information input by at least one user. Or assisting in the decision of the other party in the currency exchange reservation, and (ii) When information corresponding to the exchange transaction or the amount of the exchange reservation is detected, the exchange transaction information indicating that the exchange transaction or the exchange reservation has been completed according to the exchange rate input by the user determined as the counterpart of the exchange transaction or the exchange reservation or A user terminal is provided that includes a communication unit for generating exchange reservation information.
본 발명에 의하면, 다음과 같은 효과가 있다.According to the present invention, the following effects are obtained.
본 발명은 오후 4시경 이후에도 사설환전소가 매매 기준 환율보다 낮지 않게 외화를 매도할 수 있고, 환전 수요자가 밤 늦게 사설환전소를 찾아 다니거나 환전 수수료가 비싼 공항환전소를 이용하지 않고 편리하게 환전을 수행할 수 있는 효과가 있다. According to the present invention, even after around 4 pm, the private exchange office can sell foreign currency not lower than the standard exchange rate, and the currency exchange user can conveniently exchange money without going to a private exchange office late at night or using an expensive airport exchange office. It can be effective.
또한, 본 발명은 오후 4시경 이후에 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 획득하여, 획득된 특정 통화에 대해 환전 수요자를 상대로 경매를 진행함으로써, 사설환전소가 매매 기준 환율보다 낮지 않게 외화를 매도할 수 있고, 환전 수요자가 공항환전소보다 유리한 가격에 간편하게 외화를 매입할 수 있도록 하는 효과가 있다.In addition, the present invention obtains a specific currency based on the day-to-day exchange rate of the specific currency for the trading bank from the private exchange office after about 4 pm, by proceeding auction against the currency exchange for the specific currency obtained, private exchange office The foreign currency can be sold not lower than the exchange rate, and the exchanger can easily purchase the foreign currency at a more favorable price than the airport exchange office.
또한, 본 발명은 환전 수요자가 자신의 단말을 통해 간편하게 외화 경매에 참여하고 경매에 낙찰된 외화를 공항에서 수령함으로써 환전 수요자가 사설환전소를 돌아다니지 않고 편리하게 공항환전소보다 저렴한 가격에 외화를 매입하고 공항에서 수령할 수 있도록 하는 효과가 있다. In addition, the present invention by the foreign exchange buyers simply participate in the foreign currency auction through their terminal and receive the foreign currency that has been won in the auction at the airport so that the foreign exchange consumer can conveniently buy foreign currency at a lower price than the airport exchange office It has the effect of being picked up at the airport.
또한, 본 발명은 상기와 같은 방식으로 환전 예약이나 환전 거래를 하고 외화수령권자의 수령권한이 식별되면, 환전된 외화가 충전된 카드가 발급되어 현금카드 형태로 편리하게 환전된 외화를 사용할 수 있도록 하는 효과가 있다.In addition, the present invention is to make a currency exchange reservation or exchange transaction in the above manner and when the receiving authority of the recipient of the foreign currency is identified, a card filled with the exchanged foreign currency is issued to use the foreign currency conveniently exchanged in the form of a cash card It is effective.
도 1은 본 발명의 일 실시예에 따른 환전 시스템의 구성을 도시한 개념도이다. 1 is a conceptual diagram showing the configuration of a currency exchange system according to an embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 서버의 구성을 도시한 블록도이다.2 is a block diagram showing the configuration of a server according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따른 환전 수행을 지원하는 방법의 흐름도이다.3 is a flowchart of a method for supporting exchange operation according to an embodiment of the present invention.
도 4는 본 발명의 일 실시예에 따른 사용자 단말의 구성을 도시한 블록도이다.4 is a block diagram showing the configuration of a user terminal according to an embodiment of the present invention.
후술하는 본 발명에 대한 상세한 설명은, 본 발명이 실시될 수 있는 특정 실시예를 예시로서 도시하는 첨부 도면을 참조한다. 이들 실시예는 당업자가 본 발명을 실시할 수 있기에 충분하도록 상세히 설명된다. 본 발명의 다양한 실시예는 서로 다르지만 상호 배타적일 필요는 없음이 이해되어야 한다. 예를 들어, 여기에 기재되어 있는 특정 형상, 구조 및 특성은 일 실시예에 관련하여 본 발명의 정신 및 범위를 벗어나지 않으면서 다른 실시예로 구현될 수 있다. 또한, 각각의 개시된 실시예 내의 개별 구성요소의 위치 또는 배치는 본 발명의 정신 및 범위를 벗어나지 않으면서 변경될 수 있음이 이해되어야 한다. 따라서, 후술하는 상세한 설명은 한정적인 의미로서 취하려는 것이 아니며, 본 발명의 범위는, 적절하게 설명된다면, 그 청구항들이 주장하는 것과 균등한 모든 범위와 더불어 첨부된 청구항에 의해서만 한정된다. 도면에서 유사한 참조부호는 여러 측면에 걸쳐서 동일하거나 유사한 기능을 지칭한다.DETAILED DESCRIPTION The following detailed description of the invention refers to the accompanying drawings that show, by way of illustration, specific embodiments in which the invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein may be embodied in other embodiments without departing from the spirit and scope of the invention with respect to one embodiment. In addition, it is to be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the invention. The following detailed description, therefore, is not to be taken in a limiting sense, and the scope of the present invention, if properly described, is defined only by the appended claims, along with the full range of equivalents to which such claims are entitled. Like reference numerals in the drawings refer to the same or similar functions throughout the several aspects.
도 1은 본 발명의 일 실시예에 따른 환전 시스템의 구성을 도시한 개념도이다. 1 is a conceptual diagram showing the configuration of a currency exchange system according to an embodiment of the present invention.
도 1을 참조하면, 본 발명의 일 실시예에 따른 환전 시스템(1000)은, 서버(100), 사용자 단말(200), 환전소 단말(300), 배송자 단말(400)을 포함한다. Referring to FIG. 1, a currency exchange system 1000 according to an embodiment of the present invention includes a server 100, a user terminal 200, a currency exchange terminal 300, and a delivery terminal 400.
도 1을 참조하면, 서버(100)는, 복수의 사설환전소(30-1, 30-2,… , 30-n) 각각의 거래 은행에 대한 특정 통화의 당일 매매 기준 환율 정보를 획득할 수 있다. 이때, 서버(100)를 관리하는 서비스 제공자는 복수의 사설환전소(30-1, 30-2,… , 30-n)로부터 각각의 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 매입할 수 있다. 예를 들어, A 사설환전소의 당일 위안화에 대한 매매 기준 환율이 180원이라고 할 때, 서버(100)를 관리하는 서비스 제공업체는 매매 기준 환율인 180원 또는 이보다 조금 높은 181원에 위안화를 매입할 수 있다. 그러면, 서버(100)는, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매 개시 환율 정보로서 제공할 수 있다. 여기서 매매 개시 환율 정보는 외화 경매가 시작되는 금액 정보가 될 수 있다. 적어도 한 명의 사용자는 자신의 사용자 단말(200-1, 200-2, …)을 통해 매입을 원하는 환율 정보를 입력함으로써 외화 경매에 대해 입찰을 할 수 있다. 사용자 단말은 두 개 이상일 수도 있으나 설명의 편의 상 사용자 단말이 두 개인 것으로 도시하였다.Referring to FIG. 1, the server 100 may obtain the same day exchange rate exchange rate information of a specific currency for each of the trading banks of the plurality of private exchange offices 30-1, 30-2, ..., 30-n. . At this time, the service provider managing the server 100 is a specific currency based on the day-by-day exchange rate of the specific currency for each trading bank from a plurality of private exchange (30-1, 30-2, ..., 30-n) You can purchase For example, if the trading basis exchange rate for the same day yuan of A private exchange office is 180 won, the service provider managing the server 100 may purchase the yuan for the trading basis exchange rate 180 won or slightly higher 181 won. Can be. Then, the server 100 may provide exchange rate information within a predetermined range from the same day trading basis exchange rate information or the same day trading basis exchange rate information as the trading start exchange rate information. Here, the trading start exchange rate information may be information on the amount of money auction is started. At least one user may bid for a foreign currency auction by inputting exchange rate information desired to purchase through his or her user terminal 200-1, 200-2,. Two or more user terminals may be provided, but two user terminals are illustrated for convenience of description.
이처럼 적어도 한 명의 사용자에 의해, 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 서버(100)는, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자 중 적어도 일부를 환전 거래 또는 환전 예약의 상대방으로 결정할 수 있다. 예를 들어, 복수의 사용자에 의해 입력된 환율 정보 중 공항 환전 환율 범위 내에서 가장 높은 환율 정보를 제시한 사용자가 환전 거래 또는 환전 예약의 상대방이 될 수 있다. 이처럼 환전 거래 또는 환전 예약의 상대방으로 결정된 사용자가 환전 거래 또는 환전 예약의 금액에 대응되는 정보를 입력하면 환전 거래 또는 환전 예약이 성립될 수 있다. As described above, when exchange rate information set based on the trading exchange rate information is input by the at least one user, the server 100 may present high exchange rate information in the top n rank within a predetermined range among the input exchange rate information. At least some of the information may be determined as a counterpart of a currency exchange transaction or a currency exchange reservation. For example, a user who presents the highest exchange rate information within an airport exchange rate range among exchange rate information input by a plurality of users may be a counterpart of a currency exchange transaction or a currency exchange reservation. As such, when a user determined as a counterpart of a currency exchange or exchange reservation inputs information corresponding to the amount of a currency exchange or exchange reserve, a currency exchange or exchange reserve may be established.
즉, 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 서버(100)는, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원할 수 있다. 여기서, 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보의 감지는, (i) 상기 환전 거래 또는 상기 환전 예약의 금액이 소정의 계좌로 입금되거나 (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 가상의 포인트가 사용되거나 (iii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 담보물이 지급되는 경우 이루어질 수 있다.That is, when information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected, the server 100 exchanges the currency exchange transaction or the currency exchange according to the exchange rate input by the user determined as the counterpart of the currency exchange transaction or the currency exchange reservation. It may assist in generating or generating exchange transaction information or exchange reservation information indicating that the reservation has been made. Here, the detection of the information corresponding to the amount of the currency exchange transaction or the currency exchange reservation, (i) the amount of the currency exchange transaction or the currency exchange reservation is deposited into a predetermined account, or (ii) the amount of money exchange transaction or the currency exchange reservation Virtual points corresponding to are used or (iii) a collateral corresponding to the amount of the currency exchange transaction or the currency exchange reservation is paid.
또한, 서버(100)는 외화를 수령할 특정 장소 및 특정 일시에 대한 정보를 외화수령권자 단말로 전송하여 외화수령권자가 상기 특정 일시에 상기 특정 장소에서 외화를 수령하도록 지원할 수 있다. 이때, 도 1에 도시된 것처럼 외화수령권자 단말은 외화 경매에 대한 입찰을 수행한 사용자 단말(200-1)일 수도 있고, 이와 별도의 단말일 수도 있다. 후자의 경우, 외화수령권자와 외화 경매에 입찰한 사용자가 상이할 수 있다. 외화수령권자와 외화 경매에 입찰한 사용자가 동일한 경우라도 외화수령권자 단말과 외화 경매에 입찰한 사용자 단말은 상이할 수도 있다. 예를 들어, 외화 경매에 대한 입찰을 수행한 사용자 단말이 스테이셔너리(stationary) 단말이고, 외화수령권자 단말은 모바일(mobile) 단말일 수 있다. In addition, the server 100 may transmit information on a specific place and a specific date and time to receive the foreign currency to the foreign currency recipient terminal to support the foreign currency recipient to receive the foreign currency at the specific place at the specific date and time. In this case, as shown in FIG. 1, the foreign currency recipient terminal may be a user terminal 200-1 that has made a bid for a foreign currency auction or may be a separate terminal. In the latter case, the recipient of the foreign currency and the user who bids on the foreign currency auction may be different. Even if the foreign currency recipient and the user who bid in the foreign currency auction are the same, the foreign currency recipient terminal and the user terminal that bid in the foreign currency auction may be different. For example, a user terminal that has made a bid for a foreign currency auction may be a stationary terminal, and a foreign currency receiver terminal may be a mobile terminal.
또한, 서버(100)는, 상기 특정 장소 및 상기 특정 일시에 대한 정보를 배송 서버(미도시) 및 배송자 단말 중 적어도 일부에 전송하여 배송자가 상기 특정 일시에 상기 특정 장소로 출동하여 외화를 외화수령권자에게 전달하도록 지원할 수 있다. 도 1에 도시된 예에서 서버(100)는 특정 장소 및 특정 일시에 대한 정보를 배송자 단말(400)에 전송하여 배송자 단말(400)을 소지한 배송자가 특정 일시에 특정 장소로 출동하여 외화를 외화수령권자에게 전달하도록 지원하고 있음을 알 수 있다. 도 1에 도시된 것처럼 상기 특정 장소는 공항(40)일 수 있다. In addition, the server 100 transmits information on the specific place and the specific date and time to at least some of a delivery server (not shown) and a delivery terminal, so that a delivery person dispatches to the specific place at the specific date and time to exchange foreign currency. Support can be delivered to the recipient. In the example shown in FIG. 1, the server 100 transmits information about a specific place and a specific date and time to the delivery person terminal 400 so that a delivery person having the delivery person terminal 400 moves to a specific place at a specific date and time and receives foreign currency. It can be seen that it is supported to deliver to foreign currency recipients. As shown in FIG. 1, the specific place may be an airport 40.
이하에서는 상술한 서버(100)의 구성을 설명하면서, 본 발명에 따른 환전 수행을 지원하는 방법에 대해서 좀더 상세하게 설명한다. Hereinafter, a method for supporting exchange operation according to the present invention will be described in detail while explaining the configuration of the server 100 described above.
도 2는 본 발명의 일 실시예에 따른 서버의 구성을 도시한 블록도이고, 도 3은 본 발명의 일 실시예에 따른 환전 수행을 지원하는 방법의 흐름도이다.2 is a block diagram showing a configuration of a server according to an embodiment of the present invention, Figure 3 is a flow chart of a method for supporting the exchange performed according to an embodiment of the present invention.
먼저, 도 2를 참조하면, 본 발명의 일 실시예에 따른 서버(100)는 통신부(110), 프로세서(120), 데이터베이스 관리부(120)를 포함할 수 있다.First, referring to FIG. 2, the server 100 according to an embodiment of the present invention may include a communication unit 110, a processor 120, and a database manager 120.
통신부(110)는 복수의 사설환전소(30-1, 30-2,… , 30-n) 각각의 거래 은행에 대한 특정 통화의 당일 매매 기준 환율 정보를 획득할 수 있다. 그리고, 사설환전소 단말로 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 매매할지를 문의할 수 있다(S310). 일반적으로 사설환전소는 은행과 달리 밤 늦게까지 환전 영업을 하는 경우가 많지만 규모가 작아 관리할 수 있는 외화 규모에 한계가 있는 바, 오후 4시경이 되면 밤 늦게까지 환전 수요자에게 팔 물량을 제외한 외화를 거래 은행에 매도하는 경우가 많다. 그러나, 사설환전소가 거래 은행에 외화를 매도하는 경우, 통상적으로 매매 기준 환율보다 낮은 가격으로 외화를 거래 은행에 매도하게 되는 바, 통신부(110)는 이보다 높은 가격으로 서비스 제공자에게 남은 외화를 매도할지 문의하는 것이다. The communication unit 110 may obtain the exchange rate information on the same day of a specific currency for each of the trading banks of the plurality of private exchange offices 30-1, 30-2, ..., 30-n. In addition, the private exchange terminal may inquire whether to buy or sell a specific currency on the basis of the day-to-day exchange rate of the specific currency to the bank (S310). Unlike private banks, private exchange offices are often open until late at night, but they are small in size and have limited limits on the amount of foreign currency that can be managed. Often sold to your bank. However, when the private exchange sells foreign currency to the bank, the foreign currency is usually sold to the bank at a price lower than the trading exchange rate. Therefore, the communication unit 110 sells the remaining foreign currency to the service provider at a higher price. Is to inquire.
사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 획득되면, 통신부(110)는, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 사용자 단말(200)에 제공할 수 있다(S320). 상기 특정 통화의 획득은, 외화 매매의 장이 종료되는 특정 시점 이후 소정의 시간 내에 이루어질 수 있다. When a specific currency is obtained based on the day-to-day exchange rate of the specific currency to the trading bank from the private exchange office, the communication unit 110 trades the exchange rate information within a predetermined range from the day-to-day exchange rate information or the day-to-day exchange rate. It may be provided to the user terminal 200 as the start exchange rate information (S320). The acquisition of the specific currency may be made within a predetermined time after a specific time point when the market of foreign currency trading ends.
프로세서(120)는 각종 데이터 연산 및 처리를 수행하는 구성이다. 특히, 프로세서(120)는, 적어도 한 명의 사용자에 의해, 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정할 수 있다(S330). 즉, 프로세서(120)는, 적어도 하나의 사용자 단말을 통해 환율 경매에 대한 입찰이 이루어지면, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 입찰 환율로 제시한 사용자 단말의 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정할 수 있다. The processor 120 is a component that performs various data operations and processing. In particular, when the exchange rate information set based on the trading exchange rate information is input by at least one user, the processor 120 may present the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information. The user may be determined to be a counterpart of a currency exchange transaction or a currency exchange reservation (S330). That is, when a bid for an exchange rate auction is made through at least one user terminal, the processor 120 may present a user with a bid exchange rate of high exchange rate information in a top n rank within a predetermined range among input exchange rate information. May be determined as the counterpart of the exchange transaction or exchange reservation.
또한, 프로세서(120)는, 통신부(110), 후술할 데이터베이스 관리부(130) 간의 데이터의 흐름을 제어하는 기능을 수행한다. 즉, 프로세서(120)는 서버(100)의 각 구성요소 간의 데이터의 흐름을 제어함으로써, 통신부(110), 데이터베이스 관리부(130)에서 각각 고유 기능을 수행하도록 제어한다.In addition, the processor 120 performs a function of controlling the flow of data between the communication unit 110 and the database manager 130 to be described later. That is, the processor 120 controls the flow of data between the components of the server 100, thereby controlling the communication unit 110 and the database manager 130 to perform unique functions.
프로세서(120)는 MPU(Micro Processing Unit) 또는 CPU(Central Processing Unit), 캐쉬 메모리(Cache Memory), 데이터 버스(Data Bus) 등의 하드웨어 구성을 포함할 수 있다. 또한, 운영체제, 특정 목적을 수행하는 어플리케이션의 소프트웨어 구성을 더 포함할 수도 있다.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. In addition, the operating system may further include a software configuration of an application performing a specific purpose.
데이터베이스 관리부(130)는 환전 거래 또는 환전 예약의 상대방이 결정되고, 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되는 경우, 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원하는 구성이다. 좀더 구체적으로, 데이터베이스 관리부(130)는, 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면(S340-Y), 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원할 수 있다(S350). 이때, 별도의 결제 대행 서버(Payment Gateway Server)가 존재하는 경우, 결제 대행 서버는, 환전 거래 금액 또는 환전 거래를 예약하기 위한 환전 예약 금액에 대응되는 정보가 감지되면, 환전 거래 금액 또는 환전 예약 금액이 지급되었음을 나타내는 정보를 서버(100)로 전송할 수 있다. When the counterpart of a currency exchange transaction or currency exchange reservation is determined, and the information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected, the database manager 130 generates or generates currency exchange transaction information or currency exchange reservation information. to be. More specifically, the database management unit 130, when information corresponding to the amount of the currency exchange transaction or the exchange reservation is detected (S340-Y), the exchange rate input by the user determined as the counterpart of the currency exchange transaction or the exchange reservation In operation S350, the exchange transaction information or the exchange reservation information indicating that the exchange transaction or the exchange reservation is completed may be generated or generated. At this time, if a separate payment gateway server (Payment Gateway Server), the payment agency server, if it detects the information corresponding to the currency exchange amount or the exchange reservation amount for booking the exchange transaction, the exchange transaction amount or exchange reservation amount Information indicating that the payment has been made may be transmitted to the server 100.
상기와 같이 생성된 환전 거래 정보 또는 환전 예약 정보는 데이터베이스에 저장될 수 있다. 반면, 소정 시간 내에 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되지 않으면(S340-N), 당해 환전 거래 또는 환전 예약의 진행이 중단될 수 있다(S355). Currency exchange transaction information or exchange reservation information generated as described above may be stored in a database. On the other hand, if information corresponding to the amount of the currency exchange transaction or currency exchange reservation is not detected within a predetermined time (S340-N), the process of the currency exchange transaction or currency exchange reservation may be stopped (S355).
한편, 전술한 통신부(110)는 상기 환전 거래 정보 또는 상기 환전 예약 정보를 외화수령권자 단말로 전송하여(S360) 상기 환전 거래 또는 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 환전이 이루어지도록 지원할 수 있다. 환전 거래 정보 또는 환전 예약 정보는 환전되는 외화 정보, 확정된 환율 정보 및 환전 액수 정보 중 적어도 일부를 포함할 수 있다. Meanwhile, the communication unit 110 transmits the exchange transaction information or the exchange reservation information to a foreign currency recipient terminal (S360) to exchange money according to the exchange rate input by the user determined as the counterpart of the exchange transaction or exchange reservation. Can help you lose. The exchange transaction information or the exchange reservation information may include at least some of foreign currency information to be exchanged, confirmed exchange rate information, and exchange amount information.
또한, 통신부(110)는, (i) 외화수령권자의 수령권한을 식별하기 위한 고유값을 생성하여 외화수령권자 단말로 전송하는 프로세스 및 (ii) 외화를 수령할 특정 장소 및 특정 일시에 대한 정보를 상기 외화수령권자 단말로 전송하여 외화수령권자가 상기 특정 일시에 상기 특정 장소에서 상기 외화를 수령하도록 지원하는 프로세스 중 적어도 일부를 더 수행할 수 있다(S370). 이때, 고유값은 외화수령권자의 식별 정보가 될 수도 있다. In addition, the communication unit 110, (i) the process of generating a unique value for identifying the receiving authority of the recipient of the foreign currency, and transmits to the foreign currency recipient terminal and (ii) information about the specific place and the specific date and time to receive the foreign currency. By transmitting to the foreign currency recipient terminal terminal may perform at least some of the process of supporting the foreign currency recipient right to receive the foreign currency at the specific place (S370). At this time, the eigenvalue may be identification information of the foreign currency recipient.
또한, 상기 (ii)에서, 통신부(110)는, 상기 특정 장소 및 상기 특정 일시에 대한 정보를 배송 서버 및 배송자 단말 중 적어도 일부에 전송하여 배송자가 상기 특정 일시에 상기 특정 장소로 출동하여 상기 외화를 상기 외화수령권자에게 전달하도록 지원할 수 있다. 여기서, 배송 서버는 외화 배송 현황을 관리하는 서버로서, 성사된 환전 거래 정보, 외화 배달 장소 및 일시 정보, 및 외화수령권자의 수령권한을 식별하기 위한 고유값 정보 중 적어도 일부를 저장할 수 있다. 또한, 특정 장소는 도 1에 도시된 것처럼 공항(40)이 될 수 있다. Further, in (ii), the communication unit 110 transmits the information about the specific place and the specific date and time to at least some of the delivery server and the delivery terminal, so that the deliverer is dispatched to the specific place at the specific date and time. It may assist in delivering foreign currency to the recipient of the foreign currency. Here, the delivery server is a server that manages the foreign currency delivery status, and may store at least some of the exchange money exchange information, the foreign currency delivery place and date and time, and the unique value information for identifying the recipient of the foreign currency recipient. Also, the particular location may be the airport 40 as shown in FIG.
외화수령권자는 특정 장소에서 외화수령권한을 증명하는 고유값을 제시할 수 있다. 고유값은 배송자 단말(400)에 입력될 수 있다. 배송자 단말(400)은 입력된 고유값을 서버(100) 또는 배송 서버(미도시)로 전송할 수 있다. The recipient of a foreign currency may present an intrinsic value attesting to the authority of receiving the foreign currency at a particular place. The eigenvalue may be input to the deliverer terminal 400. The deliverer terminal 400 may transmit the inputted unique value to the server 100 or a delivery server (not shown).
고유값이 서버(100)로 전송되는 경우, 프로세서(120)는 상기 수신된 고유값과 상기 생성된 고유값을 비교하고 비교 결과에 대한 정보를 배송자 단말(400), 배송 서버 및 외화수령권자 단말 중 적어도 일부로 전송할 수 있다. 고유값에 따라 외화수령권자의 수령권한이 식별되면, 외화수령권자는 상술한 특정 장소에서 외화를 현금으로 받을 수 있다. 다만, 이와 달리 환전된 외화는 소정의 계좌로 입금될 수도 있다.When the eigenvalue is transmitted to the server 100, the processor 120 compares the received eigenvalue with the generated eigenvalue and provides information on a comparison result of the deliverer terminal 400, the delivery server, and the foreign currency recipient. It may be transmitted to at least some of the terminals. If the receiving right of the foreign currency recipient is identified according to the eigenvalue, the foreign currency recipient can receive the foreign currency in cash at the specific place described above. Alternatively, the exchanged foreign currency may be deposited into a predetermined account.
외화수령권자가 외화를 수령한 후 배송자 단말(400)에 외화수령이 완료되었음을 나타내는 정보가 입력되면, 배송자 단말(400)은 서버(100) 또는 배송 서버로 외화수령사실을 나타내는 정보를 전송할 수 있다. 환전 예약의 경우는 외화수령권자는 환전 거래 금액에서 환전 예약 금액을 제외한 나머지 잔액을 치르고 외화를 수령할 수 있다. 서버(100)의 통신부(110)(또는 배송 서버의 통신부)는 외화수령완료 사실을 나타내는 정보를 외화수령권자 단말 및 배송자 단말(400)에 전송할 수 있다. 사용자 단말(200)과 외화수령권자 단말이 상이한 경우에는 외화수령완료 사실을 나타내는 정보는 사용자 단말(200)에도 전송될 수 있다. After the foreign currency recipient receives the foreign currency and the information indicating that the foreign currency reception is completed is input to the delivery terminal 400, the delivery terminal 400 may transmit information indicating the fact of receiving the foreign currency to the server 100 or the delivery server. have. In the case of exchange reservations, the recipient of the foreign currency may receive the foreign currency at the remaining balance excluding the exchange reservation amount from the exchange transaction amount. The communication unit 110 (or the communication unit of the delivery server) of the server 100 may transmit information indicating the completion of the foreign currency receipt to the foreign currency recipient terminal and the deliverer terminal 400. When the user terminal 200 and the foreign currency recipient terminal are different, information indicating the completion of the foreign currency reception may be transmitted to the user terminal 200.
한편, 상기와 같이 고유값에 따라 외화수령권자의 수령권한이 식별되는 경우, 환전된 외화가 충전된 카드가 발급될 수 있다. 외화수령권자는 발급된 카드를 환전 거래 신청 또는 환전 예약 신청에서 지정된 장소(예를 들어, 공항)에서 수령할 수 있다. 사용자는 카드를 이용하여 공항이나 환전된 통화가 사용되는 국가에 있는 ATM에서 현금을 인출할 수 있고, 카드 가맹점에서 직접 결제를 수행할 수도 있다. 카드가 사용되어 현금이 인출되거나 결제가 이루어지면 카드의 잔액은 인출된 현금 또는 결제분만큼 감소된다. On the other hand, when the receiving authority of the foreign currency recipient according to the eigen value as described above, the card with the exchanged foreign currency can be issued. The recipient of the foreign currency may receive the issued card at the place (eg, an airport) designated in the currency exchange application or currency reservation 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. When a card is used to withdraw cash or a payment is made, the balance of the card is reduced by the amount of cash or payment withdrawn.
환전한 외화를 사용하여 카드의 충전 금액이 부족해지는 경우 추가 환전이 이루어질 수도 있다. 즉, 발급된 카드의 고유번호가 입력되는 등으로 발급된 카드가 인증되고 특정 통화에 대한 추가환전 거래 금액에 대응되는 정보가 감지되면, 데이터베이스 관리부(130)는, 소정의 환율에 따라 환전 거래가 성사되었음을 나타내는 추가 환전 거래 정보를 생성하거나 생성하도록 지원하고 추가 환전 거래분만큼 상기 카드의 잔액이 증가되도록 지원할 수 있다. Additional exchanges may be made if the exchanged amount of the card becomes low using the exchanged foreign currency. That is, if the issued card is authenticated by inputting a unique number of the issued card and the like, and information corresponding to the additional exchange transaction amount for a specific currency is detected, the database manager 130 closes the exchange transaction at a predetermined exchange rate. It may support to generate or generate additional currency exchange information indicating that the exchange and the balance of the card is increased by the additional currency exchange.
카드가 사용되고 잔액이 남아 있는 경우, 원래의 통화로 역환전될 수도 있다. 이 경우 카드의 고유번호가 입력되는 등으로 상기 카드가 인증되고 단말을 통해 카드의 잔액 중 적어도 일부에 대한 역환전 요청이 입력되면, 데이터베이스 관리부(130)는, 소정의 환율에 따라 역환전 거래가 성사되었음을 나타내는 역환전 거래 정보를 생성하거나 생성하도록 지원하고 카드 상에서 역환전 거래분의 외화 잔액을 역환전시키도록 지원할 수 있다. If the card is used and the balance remains, it may be exchanged back in the original currency. In this case, when the card is authenticated by inputting a unique number of the card, and the reverse exchange request for at least a part of the balance of the card is input through the terminal, the database manager 130 closes the reverse exchange at a predetermined exchange rate. It is possible to generate or support reverse exchange transaction information indicating that the transaction is reversed, and to reverse exchange foreign currency balance of the reverse exchange transaction on the card.
사용자가 복수의 종류의 외화로 환전을 수행하는 경우, 카드에 복수의 종류의 환전된 외화가 충전될 수도 있다. 예를 들어, 유럽을 여행하는 사람의 카드는 유로화, 영국 파운드화, 터키 리라화가 각각 충전될 수 있다. When the user exchanges money in plural kinds of foreign currency, the card may be charged with plural kinds of exchanged foreign currency. For example, a person traveling in Europe may be charged Euros, British Pounds, and Turkish Liars.
복수의 종류의 통화가 충전된 카드가 인증되고 단말을 통해 상기 카드 잔액 중 제1 통화의 소정의 금액을 제2 통화의 소정의 금액으로 환전하는 요청이 입력되면, 데이터베이스 관리부(130)는, 소정의 환율에 따라 환전 거래가 성사되었음을 나타내는 환전 거래 정보를 생성하거나 생성하도록 지원하고 상기 카드 상에서 제1 통화의 소정의 금액을 제2 통화의 소정의 금액으로 환전시키도록 지원할 수 있다. 예를 들어, 영국 여행을 끝내고 터키로 떠난 여행자는 카드에 남은 파운드 잔액을 리라로 환전할 수 있다. When a card charged with a plurality of types of currencies is authenticated and a request is received through the terminal to exchange a predetermined amount of the first currency of the card balance into a predetermined amount of the second currency, the database manager 130 determines a predetermined value. According to the exchange rate of the currency exchange transaction information indicating that the transaction has been completed or may be generated to generate and may support to exchange a predetermined amount of the first currency on the card to a predetermined amount of the second 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.
또한, 외화수령권자의 카드가 기발급된 경우, 상기 기발급된 카드가 인증되면, 환전된 외화가 상기 기발급된 카드로 충전될 수도 있다. 이 경우 간편한 방법으로 해외 송금이 이루어질 수 있다. 예를 들어, A국에서 B 국으로 해외 송금을 하고자 하는 경우, B 국에 있는 사람의 기발급된 카드가 인증되면, 환전된 외화 금액이 B 국에 있는 사람의 카드로 충전될 수 있다. 사업자별로 카드를 소지하는 경우 해외쇼핑 등 결제대금 수금의 용도로 사용이 가능하다.In addition, when the card of the foreign currency recipient is issued, if the issued card is authenticated, the exchanged foreign currency may be charged with the issued card. In this case, overseas remittances can be made in a simple way. For example, in the case of a foreign remittance from State A to State B, if the issued card of the person in State B is authenticated, the exchanged foreign currency amount may be charged to the person's Card in State B. If you own a card for each business operator, you can use it to collect payments such as overseas shopping.
한편, 상술한 카드는 마그네틱 카드와 같은 물리적인 카드뿐 아니라 모바일앱 카드와 같은 가상 카드를 포함할 수 있다. 가상 카드가 발급되는 경우, 사용자는 상기 가상 카드를 사용하여(이 경우, 가상 카드가 저장된 단말을 사용할 수 있다.) 공항이나 환전된 통화가 사용되는 국가에 있는 ATM에서 현금을 인출할 수 있고, 카드 가맹점에서 직접 결제를 수행할 수도 있다.Meanwhile, 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. When a virtual card is issued, the user can use the virtual card (in this case, the terminal in which the virtual card is stored) to withdraw cash from an ATM in an airport or a country where a currency exchange is used, You can also pay directly at the card merchant.
본 발명은 상기와 같은 구성으로 인해 사용자가 환율이 좋을 때 미리 카드에 외화를 적립해 놓을 수 있게 된다. 적립금에 대해서 일정 이율을 보장하는 경우 예금 기능을 제공할 수도 있다. 또한, 신용카드 사용자의 경우 환율이 불리할 뿐 아니라 실시간 환율적용으로 환율변동의 위험을 사용자가 부담하지만, 본 발명의 경우는 신용카드에 비해 환율에서 유리하고 환율변동의 위험을 분산시킬 수 있게 된다. 또한, 은행 등과 제휴된 카드에 적립되는 경우 환전 고객들은 미리 자신의 돈을 넣고 나중에 돈을 받게 됨으로써 생길 수 있는 불안감에서 상당 부분 벗어날 수 있다.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. In addition, 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 . In addition, when it is credited to a card affiliated with a bank, exchange customers may be able to escape a great deal of anxiety caused by putting their money in advance and receiving money later.
한편, 환전 거래 정보 또는 환전 예약 정보가 생성된 후 소정 기간 내에 환전이 이루어지지 않거나 환전 예약 잔액에 대응되는 정보가 감지되지 않는 경우, 환전 거래 또는 환전 예약은 취소될 수 있다. 환전 예약이 취소되는 경우 예약금은 취소수수료로 서버(100)를 관리하는 서비스 제공자에게 지급될 수 있다. On the other hand, if currency exchange is not made within a predetermined period of time after the exchange transaction information or exchange reservation information is generated or information corresponding to the exchange reserve balance is not detected, the exchange transaction or exchange reservation may be cancelled. If the exchange is canceled reservation may be paid to the service provider managing the server 100 as a cancellation fee.
이하에서는 본 발명의 다양한 실시예에 따른 사용자 단말(200)의 구성과 동작을 설명한다. 다만, 상술한 내용과 중복되는 내용에 대해서는 기재를 생략한다.Hereinafter, the configuration and operation of the user terminal 200 according to various embodiments of the present disclosure will be described. However, description of the content overlapping with the above description is omitted.
도 4는 본 발명의 일 실시예에 따른 사용자 단말의 구성을 도시한 블록도이다.4 is a block diagram showing the configuration of a user terminal according to an embodiment of the present invention.
도 4를 참조하면, 본 발명의 일 실시예에 따른 사용자 단말(200)은 사용자 인터페이스 제공부(210), 통신부(220), 프로세서(230)를 포함할 수 있다. Referring to FIG. 4, the user terminal 200 according to an embodiment of the present invention may include a user interface providing unit 210, a communication unit 220, and a processor 230.
사용자 인터페이스 제공부(210)는, 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 서버(100)에 의해 획득되면, 서버(100)로부터 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매개시 환율정보로서 제공받아 디스플레이할 수 있다. 사용자 인터페이스 제공부(210)는, 특정 애플리케이션 또는 웹브라우저 상에서 상기 정보를 디스플레이할 수 있다. 사용자 단말(200)은 모바일 단말 또는 스테이셔너리(stationary) 단말일 수 있는데, 사용자 단말(200)이 모바일 단말인 경우 전용 애플리케이션을 통해 상기 정보들이 제공될 수 있고 사용자 단말(200)이 PC와 같은 스테이셔너리 단말인 경우 웹브라우저를 통해 상기 정보들이 제공될 수 있으나, 반드시 이에 한정되는 것은 아니다. The user interface providing unit 210, if a specific currency is obtained by the server 100 based on the day-to-day exchange rate of the specific currency from the private exchange office to the trading bank, the server-based exchange rate information of the same day or the day The exchange rate information within a predetermined range may be provided as the exchange rate exchange information from the trading standard exchange rate on the day and may be displayed. The user interface providing unit 210 may display the information on a specific application or a web browser. The user terminal 200 may be a mobile terminal or a stationary terminal. When the user terminal 200 is a mobile terminal, the information may be provided through a dedicated application, and the user terminal 200 may be a PC. In the case of the stationary terminal, the information may be provided through a web browser, but is not necessarily limited thereto.
통신부(220)는, 서버(100)와 각종 정보를 송수신하는 구성이다. 특히, 통신부(220)는, 사용자 단말(200)의 사용자에 의해 상기 매매개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 설정된 환율 정보를 서버(100)로 전송함으로써 서버(100)로 하여금, (i) 적어도 한 명의 사용자에 의해 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하도록 지원하고, (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하도록 지원할 수 있다. The communication unit 220 is a configuration for transmitting and receiving various information with the server 100. In particular, the communication unit 220, when the exchange rate information set on the basis of the trading start exchange rate information is input by the user of the user terminal 200, and transmits the set exchange rate information to the server 100 to cause the server 100 (i) assisting a user who has presented a high exchange rate information in the top n rank within a predetermined range of exchange rate information input by at least one user as the counterpart of a currency exchange transaction or exchange reservation, and (ii) the currency exchange transaction. Or when information corresponding to the amount of the exchange reservation is detected, the exchange transaction information or the exchange reservation indicating that the exchange transaction or the exchange reservation was completed according to the exchange rate input by the user determined as the counterpart of the exchange transaction or the exchange reservation. It can help generate information.
프로세서(230)는, 사용자 인터페이스 제공부(210), 통신부(220) 간의 데이터의 흐름을 제어하는 기능을 수행한다. 즉, 프로세서(230)는 사용자 단말(200)의 각 구성요소 간의 데이터의 흐름을 제어함으로써, 사용자 인터페이스 제공부(210), 통신부(220)에서 각각 고유 기능을 수행하도록 제어한다.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.
프로세서(230)는 MPU(Micro Processing Unit) 또는 CPU(Central Processing Unit), 캐쉬 메모리(Cache Memory), 데이터 버스(Data Bus) 등의 하드웨어 구성을 포함할 수 있다. 또한, 운영체제, 특정 목적을 수행하는 어플리케이션의 소프트웨어 구성을 더 포함할 수도 있다.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. In addition, the operating system may further include a software configuration of an application performing a specific purpose.
전술한 사용자 단말(200)은 다양한 모바일 장치로 구현 가능하다. 예를 들어, 스마트 폰, 태블릿 PC, 스마트 워치(smart watch), 스마트 안경(smart glasses), PMP, MP3 플레이어, PDA, 셀 폰, 랩탑 컴퓨터, 기타 이동성 있는 단말 장치 중 어느 하나로 구현 가능하다. The user terminal 200 described above may be implemented by various mobile devices. For example, the present invention may be implemented as any one of a smartphone, a tablet PC, a smart watch, smart glasses, a PMP, an MP3 player, a PDA, a cell phone, a laptop computer, and other mobile terminal devices.
한편, 이상 설명된 본 발명에 따른 실시예들은 다양한 컴퓨터 구성요소를 통하여 수행될 수 있는 프로그램 명령어의 형태로 구현되어 컴퓨터 판독 가능한 기록 매체에 기록될 수 있다. 상기 컴퓨터 판독 가능한 기록 매체는 프로그램 명령어, 데이터 파일, 데이터 구조 등을 단독으로 또는 조합하여 포함할 수 있다. 상기 컴퓨터 판독 가능한 기록 매체에 기록되는 프로그램 명령어는 본 발명을 위하여 특별히 설계되고 구성된 것들이거나 컴퓨터 소프트웨어 분야의 당업자에게 공지되어 사용 가능한 것일 수도 있다. 컴퓨터 판독 가능한 기록 매체의 예에는, 하드 디스크, 플로피 디스크 및 자기 테이프와 같은 자기 매체, CD-ROM, DVD와 같은 광기록 매체, 플롭티컬 디스크(floptical disk)와 같은 자기-광 매체(magneto-optical media), 및 ROM, RAM, 플래시 메모리 등과 같은 프로그램 명령어를 저장하고 수행하도록 특별히 구성된 하드웨어 장치가 포함된다. 프로그램 명령어의 예에는, 컴파일러에 의해 만들어지는 것과 같은 기계어 코드뿐만 아니라 인터프리터 등을 사용해서 컴퓨터에 의해서 실행될 수 있는 고급 언어 코드도 포함된다. 상기 하드웨어 장치는 본 발명에 따른 처리를 수행하기 위해 하나 이상의 소프트웨어 모듈로서 작동하도록 구성될 수 있으며, 그 역도 마찬가지이다.Meanwhile, 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.
이상에서 본 발명이 구체적인 구성요소 등과 같은 특정 사항들과 한정된 실시예 및 도면에 의해 설명되었으나, 이는 본 발명의 보다 전반적인 이해를 돕기 위해서 제공된 것일 뿐, 본 발명이 상기 실시예들에 한정되는 것은 아니며, 본 발명이 속하는 기술분야에서 통상적인 지식을 가진 자라면 이러한 기재로부터 다양한 수정 및 변형을 꾀할 수 있다.Although the present invention has been described by specific embodiments such as specific components and the like, but the embodiments and the drawings are provided to assist in a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations can be made from these descriptions.
따라서, 본 발명의 사상은 상기 설명된 실시예에 국한되어 정해져서는 아니 되며, 후술하는 특허청구범위뿐만 아니라 이 특허청구범위와 균등하게 또는 등가적으로 변형된 모든 것들은 본 발명의 사상의 범주에 속한다고 할 것이다.Accordingly, the spirit of the present invention should not be limited to the above-described embodiments, and all of the equivalents or equivalents of the claims, as well as the appended claims, fall within the scope of the spirit of the present invention. I will say.

Claims (30)

  1. 소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법에 있어서, What is claimed is: 1. A method for supporting exchange of currency at a predetermined exchange rate,
    (a) 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 획득되면, 서버가, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매 개시 환율 정보로서 제공하는 단계,(a) If a specific currency is obtained from a private exchange based on the day-to-day exchange rate of the specific currency to the trading bank, the server trades the exchange rate information within a predetermined range from the day-to-day exchange rate information or the day-to-day exchange rate. Providing as start exchange rate information,
    (b) 적어도 한 명의 사용자에 의해, 상기 매매 개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 서버가, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하는 단계, 및(b) when the exchange rate information set based on the trading start exchange rate information is input by at least one user, the server presents the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information. Determining as the counterpart of a currency exchange transaction or currency exchange reservation, and
    (c) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 서버가, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원하는 단계를 포함하는 것을 특징으로 하는 방법.(c) when information corresponding to the amount of the exchange transaction or the exchange reservation is detected, the server exchanges the exchange transaction or the exchange reservation according to the exchange rate input by the user determined as the counterpart of the exchange transaction or the exchange reservation. And generating or supporting the exchange transaction information or the exchange reservation information indicating that the transaction has been completed.
  2. 제1항에 있어서, The method of claim 1,
    (d) 상기 서버가, 상기 환전 거래 정보 또는 상기 환전 예약 정보를 외화 수령권자의 단말로 전송하여 상기 환전 거래 또는 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 환전이 이루어지도록 지원하는 단계를 더 포함하는 것을 특징으로 하는 방법.(d) the server converting the exchange transaction information or the exchange reservation information to the terminal of the recipient of a foreign currency so as to exchange money according to an exchange rate input by a user determined as the counterpart of the exchange transaction or exchange reservation; Method further comprising a.
  3. 제2항에 있어서, The method of claim 2,
    상기 (d) 단계에서, In step (d),
    상기 서버는, (i) 상기 외화수령권자의 수령권한을 식별하기 위한 고유값을 생성하여 상기 외화수령권자 단말로 전송하는 프로세스 및 (ii) 상기 외화를 수령할 특정 장소 및 특정 일시에 대한 정보를 상기 외화수령권자 단말로 전송하여 상기 외화수령권자가 상기 특정 일시에 상기 특정 장소에서 상기 외화를 수령하도록 지원하는 프로세스 중 적어도 일부를 더 수행하는 것을 특징으로 하는 방법.The server may include (i) a process of generating a unique value for identifying the right of receipt of the foreign currency recipient and transmitting it to the foreign currency recipient terminal, and (ii) information on a specific place and a specific date and time to receive the foreign currency. And performing at least a part of a process of transmitting to the foreign currency recipient terminal to support the foreign currency recipient to receive the foreign currency at the specific place at the specific date and time.
  4. 제3항에 있어서, The method of claim 3,
    상기 (ii)에서, In (ii) above,
    상기 서버는, 상기 특정 장소 및 상기 특정 일시에 대한 정보를 배송 서버 및 배송자 단말 중 적어도 일부에 전송하여 배송자가 상기 특정 일시에 상기 특정 장소로 출동하여 상기 외화를 상기 외화수령권자에게 전달하도록 지원하는 것을 특징으로 하는 방법.The server may transmit information about the specific place and the specific date and time to at least some of a delivery server and a delivery terminal, so that a deliverer may move to the specific place at the specific date and time to deliver the foreign currency to the foreign currency recipient. Characterized in that.
  5. 제3항에 있어서, The method of claim 3,
    상기 특정 장소는 공항인 것을 특징으로 하는 방법.And said particular place is an airport.
  6. 제3항에 있어서, The method of claim 3,
    상기 서버는, 배송자 단말에 의해 고유값이 획득되면, 상기 획득된 고유값과 상기 생성된 고유값을 비교한 결과에 대한 정보를 상기 배송자 단말 및 상기 외화수령권자 단말로 전송하는 것을 특징으로 하는 방법.When the eigenvalue is obtained by the shipper terminal, the server transmits information about a result of comparing the obtained eigenvalue with the generated eigenvalue to the shipper terminal and the foreign currency receiver terminal. How to.
  7. 제3항에 있어서, The method of claim 3,
    상기 고유값에 따라 상기 외화수령권자의 수령권한이 식별되면, 상기 서버는, 상기 외화수령권자로 하여금 외화를 현금으로 받도록 지원하거나 외화가 소정의 계좌로 입금되도록 지원하거나 환전된 외화가 충전된 카드가 발급되도록 지원하는 것을 특징으로 하는 방법.If the receiving authority of the foreign currency recipient is identified according to the inherent value, the server supports the foreign currency recipient to receive the foreign currency in cash, supports the foreign currency to be deposited into a predetermined account, or exchanges a card with a foreign currency charged. Characterized in that to support the issuance.
  8. 제7항에 있어서, The method of claim 7, wherein
    상기 카드가 인증되고 특정 통화에 대한 추가 환전 거래 금액에 대응되는 정보가 감지되면, 상기 서버는, 소정의 환율에 따라 환전 거래가 성사되었음을 나타내는 추가 환전 거래 정보를 생성하거나 생성하도록 지원하고 추가 환전 거래분만큼 상기 카드의 잔액이 증가되도록 지원하는 것을 특징으로 하는 방법.If the card is authenticated and information corresponding to the additional currency exchange amount for a particular currency is detected, the server supports or generates additional currency exchange transaction information indicating that the currency exchange transaction has been completed at a predetermined exchange rate, And supporting the balance of the card as much as possible.
  9. 제7항에 있어서, The method of claim 7, wherein
    상기 카드가 인증되고 상기 카드의 잔액 중 적어도 일부에 대한 역환전 요청이 입력되면, 상기 서버는, 소정의 환율에 따라 역환전 거래가 성사되었음을 나타내는 역환전 거래 정보를 생성하거나 생성하도록 지원하고 상기 카드 상에서 역환전 거래분의 외화 잔액을 역환전시키도록 지원하는 것을 특징으로 하는 방법.If the card is authenticated and a reverse exchange request for at least a portion of the balance of the card is entered, the server assists in generating or generating reverse exchange transaction information indicating that the reverse exchange transaction has been completed according to a predetermined exchange rate and on the card. Reverse exchange The method of supporting the exchange of the foreign currency balance of the transaction.
  10. 제7항에 있어서, The method of claim 7, wherein
    상기 카드에 복수의 종류의 환전된 외화가 충전된 경우, 상기 카드가 인증되고 상기 카드 잔액 중 제1 통화의 소정의 금액을 제2 통화의 소정의 금액으로 환전하는 요청이 입력되면, 상기 서버는, 소정의 환율에 따라 환전 거래가 성사되었음을 나타내는 환전 거래 정보를 생성하거나 생성하도록 지원하고 상기 카드 상에서 제1 통화의 소정의 금액을 제2 통화의 소정의 금액으로 환전시키도록 지원하는 것을 특징으로 하는 방법.If the card is charged with a plurality of exchanged foreign currency, if the card is authenticated and a request is received to exchange a predetermined amount of the first currency of the card balance to a predetermined amount of the second currency, the server is And generating or generating currency exchange transaction information indicating that a currency exchange transaction has been completed according to a predetermined exchange rate, and converting a predetermined amount of a first currency on the card into a predetermined amount of a second currency. .
  11. 제1항에 있어서,The method of claim 1,
    상기 외화수령권자의 기발급된 카드가 인증되면, 환전된 외화가 상기 카드로 충전되는 것을 특징으로 하는 방법.If the issued card of the foreign currency recipient is authenticated, the exchanged foreign currency is charged to the card.
  12. 제1항에 있어서, The method of claim 1,
    상기 환전 거래 정보 또는 환전 예약 정보가 생성된 후 소정 일시에 상기 환전이 이루어지지 않거나 환전 예약 잔액에 대응되는 정보가 감지되지 않는 경우, 상기 환전 거래 또는 상기 환전 예약은 취소되는 것을 특징으로 하는 방법.The currency exchange transaction or the currency exchange reservation is canceled if the currency exchange is not made at a predetermined time after the exchange transaction information or the exchange reservation information is generated or if information corresponding to the exchange reservation balance is not detected.
  13. 제1항에 있어서, The method of claim 1,
    (a0) 상기 서버가, 상기 사설환전소의 단말로 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 매매할지를 문의하는 단계를 더 포함하는 것을 특징으로 하는 방법.(a0) further comprising the step of inquiring, by the server, whether the specific currency is to be traded to the terminal of the private exchange based on the day-to-day exchange rate of the specific currency to the trading bank.
  14. 제1항에 있어서, The method of claim 1,
    상기 (b) 단계에서, In step (b),
    상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보의 감지는, Detection of information corresponding to the amount of the currency exchange transaction or the currency exchange reservation,
    (i) 상기 환전 거래 또는 상기 환전 예약의 금액이 가상 계좌로 입금되거나 (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 가상의 포인트가 사용되거나 (iii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 담보물이 지급되는 경우 이루어지는 것을 특징으로 하는 방법.(i) the amount of the currency exchange transaction or the currency exchange reservation is deposited into the virtual account; or (ii) a virtual point corresponding to the amount of the currency exchange transaction or the currency exchange reservation is used; When the collateral corresponding to the amount is paid.
  15. 제1항에 있어서, The method of claim 1,
    상기 (a) 단계에서, 상기 특정 통화의 획득은, 외화 매매의 장이 종료되는 특정 시점 이후 소정의 시간 내에 이루어지는 것을 특징으로 하는 방법.In the step (a), the acquisition of the particular currency, characterized in that the predetermined time after the specific point of time when the market of foreign currency trading ends.
  16. 소정의 환율로 환전을 수행하는 것을 지원하기 위한 방법에 있어서, What is claimed is: 1. A method for supporting exchange of currency at a predetermined exchange rate,
    (a) 사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 서버에 의해 획득되면, 사용자 단말은, 상기 서버로부터 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매 개시 환율정보로서 제공 받아 디스플레이하는 단계, 및(a) If a specific currency is obtained by the server based on the day-to-day exchange rate of the specific currency from the private exchange office to the trading bank, the user terminal may determine from the server the day-to-day exchange rate information or the day-to-day exchange rate. Receiving and displaying exchange rate information within a range of the transaction start exchange rate information, and
    (b) 상기 사용자 단말의 사용자에 의해 상기 매매 개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 사용자 단말이, 상기 서버로 하여금, (i) 적어도 한 명의 사용자에 의해 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하도록 지원하고, (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하도록 지원하는 단계를 포함하는 것을 특징으로 하는 방법.(b) when exchange rate information set based on the trading start exchange rate information is input by a user of the user terminal, the user terminal causes the server to (i) among exchange rate information input by at least one user. Assisting the user who has presented the high exchange rate information in the top n rank within a predetermined range as the counterpart of a currency exchange transaction or currency exchange reservation, and (ii) when information corresponding to the amount of the currency exchange transaction or currency exchange reservation is detected, And generating currency exchange transaction information or currency exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation was completed according to an exchange rate input by a user determined as a counterpart of the currency exchange transaction or the currency exchange reservation. .
  17. 제16항에 있어서, The method of claim 16,
    (c) 상기 사용자 단말이, 상기 환전 거래 정보 또는 상기 환전 예약 정보를 수신하여 상기 환전 거래 또는 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 환전이 이루어지도록 지원하는 단계를 더 포함하는 것을 특징으로 하는 방법.(c) the user terminal receiving the exchange transaction information or the exchange reservation information and supporting the exchange by the exchange rate input by the user determined as the counterpart of the exchange transaction or exchange reservation; How to feature.
  18. 제17항에 있어서, The method of claim 17,
    상기 (c) 단계에서, In the step (c),
    상기 사용자 단말은, 상기 서버로부터 (i) 상기 외화수령권자의 수령권한을 식별하기 위한 고유값을 수신하는 프로세스 및 (ii) 상기 외화를 수령할 특정 장소 및 특정 일시에 대한 정보를 수신하여 상기 외화수령권자가 상기 특정 일시에 상기 특정 장소에서 상기 외화를 수령하도록 지원하는 프로세스 중 적어도 일부를 더 수행하는 것을 특징으로 하는 방법.The user terminal, (i) the process of receiving a unique value for identifying the right of receipt of the foreign currency recipients from the server; and (ii) receiving information about a specific place and a specific date and time to receive the foreign currency to receive the foreign currency. And further performing at least part of the process of assisting a recipient to receive the foreign currency at the particular place at the particular date and time.
  19. 제18항에 있어서, The method of claim 18,
    상기 특정 장소는 공항인 것을 특징으로 하는 방법.And said particular place is an airport.
  20. 제18항에 있어서, The method of claim 18,
    배송자 단말에 의해 고유값이 획득되면, 상기 사용자 단말은, 상기 획득된 고유값과 상기 수신된 고유값을 비교한 결과에 대한 정보를 상기 서버로부터 수신하는 것을 특징으로 하는 방법.And when the eigenvalue is obtained by the shipper terminal, the user terminal receives information about a result of comparing the obtained eigenvalue with the received eigenvalue from the server.
  21. 제16항에 있어서, The method of claim 16,
    상기 환전 거래 정보 또는 환전 예약 정보가 생성된 후 소정 일시에 상기 환전이 이루어지지 않거나 환전 예약 잔액에 대응되는 정보가 감지되지 않는 경우, 상기 환전 거래 또는 상기 환전 예약은 취소되는 것을 특징으로 하는 방법.The currency exchange transaction or the currency exchange reservation is canceled if the currency exchange is not made at a predetermined time after the exchange transaction information or the exchange reservation information is generated or if information corresponding to the exchange reservation balance is not detected.
  22. 제16항에 있어서, The method of claim 16,
    상기 (b) 단계에서, In step (b),
    상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보의 감지는, Detection of information corresponding to the amount of the currency exchange transaction or the currency exchange reservation,
    (i) 상기 환전 거래 또는 상기 환전 예약의 금액이 가상 계좌로 입금되거나 (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 가상의 포인트가 사용되거나 (iii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 담보물이 지급되는 경우 이루어지는 것을 특징으로 하는 방법.(i) the amount of the currency exchange transaction or the currency exchange reservation is deposited into the virtual account; or (ii) a virtual point corresponding to the amount of the currency exchange transaction or the currency exchange reservation is used; When the collateral corresponding to the amount is paid.
  23. 제16항에 있어서, The method of claim 16,
    상기 (a) 단계에서, 상기 특정 통화의 획득은, 외화 매매의 장이 종료되는 특정 시점 이후 소정의 시간 내에 이루어지는 것을 특징으로 하는 방법.In the step (a), the acquisition of the particular currency, characterized in that the predetermined time after the specific point of time when the market of foreign currency trading ends.
  24. 소정의 환율로 환전을 수행하는 것을 지원하기 위한 서버에 있어서, A server for supporting exchange of money at a predetermined exchange rate,
    사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 획득되면, 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매 개시 환율정보로서 제공하는 통신부,When a specific currency is obtained from a private exchange based on the day-to-day exchange rate of the specific currency to the trading bank, the exchange rate information within a predetermined range from the day-to-day exchange rate information or the day-to-day exchange rate exchange rate is provided as trading start exchange rate information. Communication,
    적어도 한 명의 사용자에 의해, 상기 매매 개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하는 프로세서, 및When the exchange rate information set based on the trading start exchange rate information is input by at least one user, the user who presents the high exchange rate information in the top n rank within a predetermined range among the input exchange rate information is exchanged for the exchange transaction or exchange reservation. A processor that determines the other party, and
    상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하거나 생성하도록 지원하는 데이터베이스 관리부를 포함하는 서버.When information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected, currency exchange transaction information indicating that the currency exchange transaction or the currency exchange reservation was completed according to the exchange rate input by the user determined as the counterpart of the currency exchange transaction or the currency exchange reservation. Or a database manager configured to generate or generate currency exchange reservation information.
  25. 제24항에 있어서, The method of claim 24,
    상기 통신부는, The communication unit,
    상기 사설환전소의 단말로 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화를 매매할지를 문의하는 것을 특징으로 하는 서버.And the terminal of the private exchange office inquires whether to buy or sell a specific currency on the basis of the day-to-day exchange rate of the specific currency to the bank.
  26. 제24항에 있어서, The method of claim 24,
    상기 특정 통화의 획득은, 외화 매매의 장이 종료되는 특정 시점 이후 소정의 시간 내에 이루어지는 것을 특징으로 하는 서버.Obtaining the specific currency is a server, characterized in that made within a predetermined time after a specific time point when the market of foreign currency trading ends.
  27. 소정의 환율로 환전을 수행하는 것을 지원하기 위한 사용자 단말에 있어서, In the user terminal for supporting the exchange of money at a predetermined exchange rate,
    사설환전소로부터 거래 은행에 대한 특정 통화의 당일 매매 기준 환율에 기초하여 특정 통화가 서버에 의해 획득되면, 상기 서버로부터 상기 당일 매매 기준 환율 정보 또는 상기 당일 매매 기준 환율로부터 소정의 범위 내의 환율 정보를 매매 개시 환율정보로서 제공받아 디스플레이하는 사용자 인터페이스 제공부, 및If a specific currency is obtained by the server based on the day-to-day exchange rate of the specific currency from the private exchange to the trading bank, the exchange rate information within the predetermined range is traded from the day-to-day exchange rate information or the day-to-day exchange rate from the server. A user interface providing unit for receiving and displaying the starting exchange rate information, and
    상기 사용자 단말의 사용자에 의해 상기 매매 개시 환율 정보를 기초로 하여 설정된 환율 정보가 입력되면, 상기 서버로 하여금, (i) 적어도 한 명의 사용자에 의해 입력된 환율 정보 중 소정 범위 내에서 상위 n 순위 내의 높은 환율 정보를 제시한 사용자를 환전 거래 또는 환전 예약의 상대방으로 결정하도록 지원하고, (ii) 상기 환전 거래 또는 상기 환전 예약의 금액에 대응되는 정보가 감지되면, 상기 환전 거래 또는 상기 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 상기 환전 거래 또는 상기 환전 예약이 성사되었음을 나타내는 환전 거래 정보 또는 환전 예약 정보를 생성하도록 지원하는 통신부를 포함하는 사용자 단말.If exchange rate information set based on the trading start exchange rate information is input by the user of the user terminal, the server causes (i) within the top n ranking within a predetermined range of the exchange rate information input by at least one user. Support the user who has presented the high exchange rate information as a counterpart of a currency exchange transaction or a currency exchange reservation, and (ii) if information corresponding to the amount of the currency exchange transaction or the currency exchange reservation is detected, the other party of the currency exchange transaction or the currency exchange reservation And a communication unit configured to generate currency exchange transaction information or currency exchange reservation information indicating that the currency exchange transaction or the currency exchange reservation has been completed according to the exchange rate input by the user determined.
  28. 제27항에 있어서, The method of claim 27,
    상기 통신부는, The communication unit,
    상기 환전 거래 정보 또는 상기 환전 예약 정보를 수신하여 상기 환전 거래 또는 환전 예약의 상대방으로 결정된 사용자에 의해 입력된 환율에 따라 환전이 이루어지도록 지원하는 것을 특징으로 하는 사용자 단말.And receiving the exchange transaction information or the exchange reservation information so as to exchange money according to an exchange rate input by a user determined as the counterpart of the currency exchange or currency reservation.
  29. 제28항에 있어서, The method of claim 28,
    상기 통신부는, The communication unit,
    상기 서버로부터 (i) 상기 외화수령권자의 수령권한을 식별하기 위한 고유값을 수신하는 프로세스 및 (ii) 상기 외화를 수령할 특정 장소 및 특정 일시에 대한 정보를 수신하여 상기 외화수령권자가 상기 특정 일시에 상기 특정 장소에서 상기 외화를 수령하도록 지원하는 프로세스 중 적어도 일부를 더 수행하는 것을 특징으로 하는 사용자 단말.(I) a process of receiving a unique value for identifying a right of receipt of the foreign currency recipient from the server, and (ii) receiving information on a specific place and a specific date and time to receive the foreign currency, thereby allowing the foreign currency recipient to receive the specific date and time. And at least part of a process for supporting the receiving of the foreign currency at the specific place.
  30. 제27항에 있어서, The method of claim 27,
    상기 특정 통화의 획득은, 외화 매매의 장이 종료되는 특정 시점 이후 소정의 시간 내에 이루어지는 것을 특징으로 하는 사용자 단말.The user terminal, characterized in that the acquisition of the specific currency is made within a predetermined time after a specific time point when the market of foreign currency trading ends.
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