WO2018225995A1 - International remittance exchange - Google Patents

International remittance exchange Download PDF

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Publication number
WO2018225995A1
WO2018225995A1 PCT/KR2018/006332 KR2018006332W WO2018225995A1 WO 2018225995 A1 WO2018225995 A1 WO 2018225995A1 KR 2018006332 W KR2018006332 W KR 2018006332W WO 2018225995 A1 WO2018225995 A1 WO 2018225995A1
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Prior art keywords
remitter
speculative
remittance
exchange
currency
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PCT/KR2018/006332
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French (fr)
Korean (ko)
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이정훈
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이정훈
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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the present invention relates to FinTech technology as a method of establishing an international money transfer exchange (international money exchange and remittance system) on an electronic communication network such as the Internet and supplying a trading volume (liquidity) to the exchange.
  • TransferWise https://transferwise.com
  • Korean Laid-Open Patent Publication No. 10-2016-0005283 (2016.1.14.)
  • the invention proposes a method for binding the remittance of both countries remittance demand.
  • the present invention is an international remittance exchange that integrates the foreign exchange market and international remittance, that is, 1 presenting a quotation window to allow remitters to compete with each other for remittance priorities using exchange rates as prices, and 2 through this competition, exchange rates are inherently (3)
  • the purpose of the present invention is to implement an international exchange and remittance system that has the characteristics of making international remittances into domestic remittances in the form of sales, but without the transfer of foreign currency through exchange transactions.
  • an object of the present invention is to provide a method for securing the required amount of remittance transaction (liquidity) by combining investment and international remittance in order for the international exchange and remittance system to operate smoothly.
  • a remittance preparation module for exchanging funds to be remitted by matching the first and second remitters with the same exchange rate in order of time;
  • the remittance preparation module when the money source to be remitted is exchanged,
  • Identification information designated by the first country remitter shall be sent to the place where the second country currency to be exchanged should be remitted.
  • Identification information designated by the second remitter shall be sent to the place where the first national currency to be exchanged should be remitted.
  • the first national currency account representing the rights of the speculative sender to the first national currency
  • an international account module for generating an international account including information on a second national currency account representing a right to a second national currency and displaying it to the speculative remitter.
  • the second national currency account of the speculative sender shall be
  • An additional feature of the transaction remitter is to serve as identification information for the recipient.
  • the present invention opens an international money transfer exchange
  • the exchange rate is used as a price to introduce the competition of remitters, allowing remittances (services) to be traded in the form of a transaction, integrating the foreign exchange market and international remittances, and resolving the inconsistency of remittance demands. It suggests a mechanism to solve it.
  • speculative remitters (investors for investment in remittances for investment purposes) can also participate in transactions to secure remittance transactions (liquidity) so that they can be a valid competition, and at the same time, profits such as foreign exchange gains and fees can be obtained from speculative remitters. Provide investment opportunities.
  • the order display module provides a framework for competing against remittance priorities by offering exchange rates at prices. Through this, the effect of integrating the foreign exchange market function in the present invention occurs.
  • the remittance preparation module also exchanges identification information about the recipients of the remittance when the funds are exchanged, thereby converting a transaction that looks like a foreign exchange transaction into a service called international remittance.
  • the combination of the order display module and the remittance preparation module allows the service to be traded like a commodity, resulting in the integration of the foreign exchange market and international remittance.
  • the International Accounting Module allows the speculative sender to trade with the speculative remitter for investment purposes and the remittee for the purpose of remittance by assigning the speculative remitter the rights he has to the currency and acting as an identifying account for the remittee.
  • FIG. 1 is a view showing a schematic configuration of an international money transfer exchange (international money exchange, remittance system) according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating an example in which a deposit module of an international money transfer exchange recognizes a wire transfer of a remitter according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating an example of an order and display module of an international remittance exchange according to an embodiment of the present invention to recognize an order of a remitter and display the same on the basis of the same exchange rate.
  • Figure 4 is a remittance preparation module of the International Remittance Exchange according to an embodiment of the present invention to match the orders presented the same exchange rate in time order to exchange the money, and at this time also exchange the identification information for the transfer recipients, transfer of foreign currency
  • FIG. 5 is a diagram illustrating an example of generating and displaying one international account by an international account module of an international money transfer exchange according to an embodiment of the present invention.
  • FIG. 6 is a view showing an example showing that the remittance preparation module according to an embodiment of the present invention processes the transaction between the speculative remitter and the transaction remitter.
  • FIG. 7 is a diagram showing an example showing that the remittance preparation module according to an embodiment of the present invention processes the transaction between the speculative sender and the speculative sender.
  • FIG. 8 is a view showing an example showing an order display unit according to an embodiment of the present invention displays the investment quotation window showing only the order of the transaction remitter to the trading object of the speculative remitter.
  • the present invention attempts to build a system that integrates international remittances and the foreign exchange market by making international remittances in the form of foreign exchange trading.
  • the present invention may be referred to as an international money exchange or money transfer system or an international money transfer exchange.
  • module means a unit for processing at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.
  • first national currency account and “second national currency account” used in the present embodiment may refer to accounts and systems of domestic and foreign financial institutions in some cases.
  • Remitter is a concept that includes a first country remitter and a second country remitter
  • a first country remitter is a person who wants to transfer money from a first country to a second country
  • a second state remitter is a person who intends to transfer money from a second country to a first country.
  • Identification information is information that can identify the person to be remitted, such as a bank account number or phone number.
  • the first and second currency accounts may be actual financial accounts held by the International Remittance Exchange (hereinafter referred to as the "Exchange") for financial institutions.
  • Exchange International Remittance Exchange
  • each monetary account is to represent the right of disposition of each currency that the exchange has in each financial institution, so that when a plurality of financial institutions are connected to the exchange, it may be a single virtual account that represents the sum of such disposition rights.
  • the first national currency account in the first country and the second national currency account in the second country it is also possible to deposit in the third country by a method of mediating a financial institution.
  • This exchange integrates DB server, web server, mobile server, application, etc.
  • DB server web server
  • mobile server application
  • Such a system can manage separate web pages (web site or mobile site, etc.), and web pages can display user's intentions. It can provide an interface foundation that can be delivered.
  • FIG. 1 is a view showing a schematic configuration of an international money transfer exchange according to the present invention.
  • the exchange includes a deposit module 101, an order / display module 102, a remittance preparation module 103, a first national currency account 104, and a second national currency account 105. It can be configured and expanded by being connected to a user's personal computer (PC), a telecommunications terminal such as a mobile phone, and a financial institution server such as a bank server. To be connected means to send and receive data and to work in conjunction.
  • the exchange may automatically execute international remittances converted into domestic remittances in connection with financial institutions.
  • servers or modules of the system may be divided into various countries at home and abroad, such as a first station, a second station, and a third station.
  • First country financial institutions such as banks
  • second country financial institutions may be connected to the Exchange on the telecommunications network.
  • the first and second financial institutions may be singular or plural.
  • the deposit module may receive information about the funds that remitters have deposited in the first and second national currency accounts from financial institutions.
  • the deposit module may provide a deposit method through an app running on the sender's electric vent terminal. It is also possible to show the remitter the rights to the currency he has through the telecommunications terminal.
  • the first remitter may deposit into the first national currency account of the exchange and the second remitter may deposit into the second national currency account of the exchange.
  • the deposit module may include a deposit method providing unit, a deposit information database unit, a currency account information display unit, and the like.
  • the deposit method providing unit may perform a function of providing a deposit method to an electronic communication terminal used by a remitter connected to a telecommunication network.
  • the deposit method providing unit may be implemented in the form of an app of the remitter terminal for this purpose.
  • the deposit information database unit may store deposit information on the money source deposited by the remitter, and when a plurality of financial institutions are connected, record the deposit information for each currency to create a virtual first and second national currency account. can do.
  • the currency account information display unit may display the funds deposited in the first national currency account and the second national currency account in the entire exchange or individual remitter unit, and may visualize and display them to the system administrator or individual remitter.
  • the order / display module may perform a function of remitter recognizers, compare and compete with the exchange rate, exchange rate is determined implicitly by their remittance and start international money exchange.
  • the order / display module receives a user's exchange order and a remittance order and displays the same on the remitter's electronic communication terminal based on the same exchange rate.
  • A's remittance recipient A, remittance amount of 10,000 won, exchange rate 1,000 won / dollar, exchanges the remittance and remittance order
  • B remits remittance of remittance amount of 6 dollars
  • C displays a quotation window including exchange rate and order value information, including an order issued as' To: Remittee: USD 4, Exchange Rate 1,000 Won / Dollar'. If the transaction occurs between A and B and C, Figure 3 captures the moment when the transaction takes place.
  • the order display module may display the order in a manner of the simultaneous quotes used in the stock market by collecting the order for a certain period of time, it is also possible to collect and trade the order for a certain period using this.
  • order display module can also accept market price orders that immediately close the current exchangeable exchange rate.
  • the order display module may include an order recognition unit, an order data unit, and an order display unit.
  • the order recognition unit may provide an order data input device that can be ordered to a remitter through a telecommunication terminal. At this time, if the sender selects the order data input device, the market price may be allowed.
  • the order data unit may store the remitter's order information in a database and sort the orders in the order of exchange rate and order time.
  • the order display unit may display, on the telecommunications terminal used by the remitter, a quotation number window including order value information that is the sum of the exchange rate and the number of remittances ordered at the exchange rate. At this time, the order of a certain period may be collected and displayed by the simultaneous price method.
  • the remittance preparation module exchanges the funds to be remitted by matching the first and second country remitters with the same exchange rate in order of order time,
  • Identification information designated by the first country remitter shall be sent to the place where the second country currency to be exchanged should be remitted.
  • Identification information designated by the second remitter shall be sent to the place where the first national currency to be exchanged should be remitted.
  • the remittance preparation module exchanges the equivalent amount of remittance at a specific exchange rate and simultaneously converts international remittance into domestic remittance by exchanging remittance identification information, that is, information to be remitted.
  • FIG 4 shows an embodiment in which the first national currency and the second national currency are exchanged and identification information is also exchanged.
  • the remittance preparation module exchanges the funds by matching the orders of the remitters of the first country and the remitters of the second country with the same exchange rate in chronological order.
  • FIG. 4 shows that the exchange rate of 1,000 won / dollar exchanges 10,000 won of A for $ 6 of B and then $ 4 of C. 4, the identification information of A is recorded at $ 10 exchanged with 10,000 won of A, and the identification information of A at 6,000 won exchanged at $ 6 of B, and at 4,000 won exchanged at $ 4 of C. Indicates that identification information is recorded. (If you place a remittance order of $ 10,000 or more, the funds will remain in order to be exchanged with a second country remitter ordered at a rate of $ 1,000 / dollar after C.)
  • the remittance preparation module may include an exchange unit and a recording unit.
  • the exchange unit allows transactions to be made when the exchange rate to be applied to the remittance is the same, and may exchange identification information data about the source and the recipient of the remittance. At this time, it is possible to collect and exchange transactions for a certain period.
  • the recorder may arrange and record the remittees to which the funds of the first and second national currency accounts will be attributed.
  • the remittance preparation module may record the money source by deducting a certain remittance fee, and if the system is expanded by connecting to the bank server, the information can be exchanged to the bank server, etc., and operate in conjunction.
  • Participating in speculative remitters for investment in the exchange may create an investment method using the exchange and at the same time, increase the trading volume or liquidity of the exchange.
  • a speculative remitter is a person who participates in transactions arising from this exchange for the purpose of return on investment, not for remittance, but for exchange gains, fees and interest.
  • a speculative remitter shall be a first speculative remitter if he / she sells a first country's currency and buys a second country's currency, and conversely, if he sells a second country's currency and buys a first country's currency, Become a remitter
  • a speculative remitter may be a first national speculative remitter or a second national speculative remitter, depending on the transaction he makes.
  • a speculative remitter may deposit and obtain a right to dispose of each monetary account on the exchange, either directly or through a financial institution linked to the exchange (which may be borrowed from the financial institution).
  • the first speculative remitter shall participate in the transactions arising on the International Remittance Exchange and, through the transaction with the second remitter, respond to the remittance of the second remitter in the currency of his first country and shall be deposited by the second remitter.
  • the rights to the currency of the second country may be obtained indirectly through the financial institution of the first country, and interest or fee may be paid if the currency of the second country is acquired.
  • the sender's other party may be a second speculative sender.
  • Speculative remitters participate in trading on the exchange and make investments similar to those of foreign exchange investment.
  • the sender consists of the transaction sender and the speculative sender.
  • Transactional remitters include first country transaction remitters and second country transaction remitters,
  • a speculative remitter is a concept that includes a first national speculative remitter and a second national speculative remitter, and the first national remittance includes a first national transaction remitter and a first national speculative remitter, It is a concept that includes a second country transaction remitter and a second country speculative remitter.
  • a first country transactional remitter is a person who wants to transfer money from a first country to a second country
  • a second country transactional remittee is a person who intends to transfer money from a second country to a first country.
  • the Exchange may provide international accounts to speculative remitters.
  • the international account may include a record indicating the rights of the first and second national currencies acquired by the speculative sender.
  • An international account may be a right to one financial institution, or it may be a fictitious account that combines the rights of a speculative sender to a financial institution in a first country and a financial institution in a second country. May mean you have a right to)
  • the international account module can perform the function of individually displaying the international account to the speculator.
  • An international account may consist of a first national currency account (right to a first national currency) and a second national currency account (right to a second national currency), and speculative remitters may be placed on the exchange's first national currency account.
  • the right of disposal may be recorded in one's first national currency account (if deposited in a second national currency account, it is recorded in a second national currency account).
  • Each account of a speculative sender replaces the identification information of the recipient of the speculative transfer. If the first national speculative sender buys a second national currency, his second national currency account may be the identification information of the person to be remitted (if the second national speculative sender buys the first national currency). His first national currency account serves as identifying information)
  • FIG. 5 shows that the speculative remitter “Jung” ( ⁇ ) deposited 20,000 won in the first national currency account and recorded 20,000 won in his international account first national currency account as a disposal right.
  • the "Definition 1 national currency account” and “Definition 2 national currency account” serve as identification information in the transaction.
  • a speculative sender may transact with a transactional sender and a speculative sender.
  • the speculative remitter places an order by setting the 'transaction amount' and the 'exchange rate' to be applied to the transaction, and the order display module can recognize the order.
  • the 'transaction amount' and 'the exchange rate that you want to apply to the transaction' correspond to the 'transfer amount' and 'the exchange rate that you want to apply to the remittance' for the transaction sender.
  • the position exchange of each international account takes place, and in the remittance preparation module, the account of the international account serves as identification information.
  • the funding source of the speculative sender's international account is the source of the funds to be remitted with the identification information specified by the transactional remitter
  • the transaction remitter's cash is the international account account of the speculative sender. Will be recorded. If all domestic remittances are realized, the remittance of the transactional remitter will be realized by the financial institution of the speculative remitter, and the financial institution of the transactional remitter will be deposited into the international account of the speculative remitter. At this time, the speculative remitter may acquire rights directly to the exchange or indirectly through other financial institutions. A speculative remitter can have an investment opportunity similar to investing in foreign exchange.
  • FIG. 6 illustrates one embodiment in which the remittance preparation module processes a transaction between a speculative sender and a transaction remitter.
  • the international account module may include an account data unit and an account display unit.
  • the account data unit may store data for an international account indicating a right to a first national currency and a second national currency having a speculative remitter.
  • the account display unit may display, on the terminal of the speculative sender, an international account indicating the rights of the first national currency and the second national currency in his possession.
  • Each part of the remittance preparation module may perform the functions of a speculative remitter by agenda of the first national currency account and the second national currency account of his international account as identification information for each recipient.
  • the order display module may present a choice to the speculative remitter and, if selected, present the investment quotation window to the speculative remitter showing only the orders of the transaction remitter, not the entire order. This is to secure the liquidity of the remittance of the international remittance exchange by limiting the counterparty's counterparty to the transaction remitter.
  • FIG. 8 shows one embodiment of an investment quotation window in which the order display module shows only the orders of the transactional remitter to the counterparty of the speculative remitter.
  • the order display module may include an investment quotation window.
  • the investment quotation window may present a selection on the terminal to display only the order of the transaction remitter as a counterparty to the terminal of the speculative remitter, and may display only the orders of the transaction remitter when the speculative remitter selects it.
  • the speculative remitter may restrict the transaction to be performed only with the transaction remitter.
  • the first national currency account representing the rights of the speculative sender to the first national currency
  • an international account module for generating an international account including information on a second national currency account representing a right to a second national currency and displaying it to the speculative remitter.
  • the second national currency account of the speculative sender shall be
  • allowing the speculative sender to participate in the transaction including an international account indicating the rights of the speculative sender to the first national currency and the second national currency, and each currency account of the speculative sender's international account to the transaction remitter. It can serve as an identifying information about the recipient of the remittance, thereby creating a way to provide liquidity to the exchange.
  • a speculative remitter the order and display module including a function for displaying a quotation window containing only the order of the transaction remitter to the other party to the counterparty, and remittance including a function to limit the trading partner of the speculative remitter to the transaction remitter Preparation modules can also be used to make liquidity delivery more efficient.
  • the system and method according to the embodiment may be implemented in various program command forms, recorded on a computer readable medium, and executed by an electronic medium such as a server.
  • Computer-readable media include hard disks, magnetic media, magneto-optical media, ROM, RAM, flash memory, and the like.
  • the computer readable medium may include program instructions, data files, data structures, and the like.
  • Program instructions may be specially configured for the embodiments, or may be known and available. Examples of program instructions may include high-level language code that can be executed using an interpreter as well as machine code.
  • the hardware device may be configured to operate as one or more software modules to perform the operations of the embodiments.

Abstract

An exchange and remittance system on a telecommunication network such as the Internet, according to the present invention, comprises: a deposit module for recognizing deposit information of a sender through a telecommunication terminal such as a personal computer (PC) or a mobile phone; an order and display module for displaying exchange and remittance orders submitted by the sender for a bid-ask quote; and a remittance preparation module for exchanging an amount of money to be remitted by matching senders offering the same exchange rate. As a result, the system enables exchanges and remittances without actual foreign currency transfers, and additionally allows speculative senders to participate in transactions.

Description

국제송금거래소  International Money Exchange
본 발명은 인터넷과 같은 전자통신 네트워크상의 국제송금거래소(국제 환전·송금 시스템)를 개설하고, 그 거래소에 거래량(유동성)을 공급하는 방법으로서, 핀테크(FinTech) 기술에 관한 것이다.BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to FinTech technology as a method of establishing an international money transfer exchange (international money exchange and remittance system) on an electronic communication network such as the Internet and supplying a trading volume (liquidity) to the exchange.
오늘날 컴퓨터와 전기통신 단말기 및 인터넷 등 정보통신 기술의 급속한 발전은 원격지 내지 국제간 의사표시를 실시간으로 전달할 수 있게 하였다. 계약이란 당사자들간의 의사의 합치인데, 이러한 기술적 환경은 원격지 내지 국제간 계약을 실시간으로 성립시킬 수 있는 환경을 제공한다.Today, rapid advances in information and communication technologies, such as computers, telecommunications terminals, and the Internet, enable real-time communication of remote and international communications. A contract is a consensus among the parties, and this technical environment provides an environment for establishing remote or international contracts in real time.
트랜스퍼와이즈(https://transferwise.com)는 종래 ‘환치기’로 불리우던 방법을 인터넷 상에서 구현하여 국제송금을 국내송금으로 전환하는 기술을 선보였다. 또한, 한국 공개특허공보 제10-2016-0005283호(2016.1.14.) 발명에서는 양국 송금수요를 묶어서 송금하는 방법을 제시하고 있다.  TransferWise (https://transferwise.com) has demonstrated a technology that converts international remittances into domestic remittances by implementing a method previously known as 'hwanchigi' on the Internet. In addition, Korean Laid-Open Patent Publication No. 10-2016-0005283 (2016.1.14.) The invention proposes a method for binding the remittance of both countries remittance demand.
그런데, 위의 기술은 외부 외환시장에서 정해지는 환율을 주어진 것으로 하기 때문에 양국의 송금수요가 불일치하게 되면 송금수요불일치가 해소될 때까지 기다리는 것 외에는 이를 해결할 방법이 없다. 위 기술에는 외환시장 기능이 없기 때문에 이러한 문제가 발생하는 것이다.  However, since the above technology is based on an exchange rate determined in an external foreign exchange market, there is no way to solve this problem except for waiting until the transfer demand mismatch is resolved. This problem occurs because the above technology does not have a foreign exchange market function.
본 발명은 외환시장과 국제송금을 통합하는 국제송금거래소 즉, ①호가창을 제시하여 환율을 가격으로 하여 송금우선순위에 대해 송금자들이 서로 경쟁하게 하고, ②이러한 경쟁을 통해 교환환율이 내재적으로 결정되게 하며, ③매매의 형식으로 국제송금을 국내송금으로 전환하되, 교환거래를 통해 실제 외화이전 없이 국제송금을 가능하게 하는 특징을 가지는 국제 환전·송금시스템을 구현하는 것을 목적으로 한다.The present invention is an international remittance exchange that integrates the foreign exchange market and international remittance, that is, ① presenting a quotation window to allow remitters to compete with each other for remittance priorities using exchange rates as prices, and ② through this competition, exchange rates are inherently (3) The purpose of the present invention is to implement an international exchange and remittance system that has the characteristics of making international remittances into domestic remittances in the form of sales, but without the transfer of foreign currency through exchange transactions.
아울러, 본 발명은 상기 국제 환전·송금시스템이 원활하게 작동하기 위해서 투자와 국제송금을 결합하여 필요한 송금거래량(유동성)을 확보하는 방법을 제공하는 것을 목적으로 한다.  In addition, an object of the present invention is to provide a method for securing the required amount of remittance transaction (liquidity) by combining investment and international remittance in order for the international exchange and remittance system to operate smoothly.
상기의 목적을 달성하기 위해서 본 발명에 따른 인터넷과 같은 전기통신 네트워크상의 환전·송금 시스템은,In order to achieve the above object, a money exchange and remittance system on a telecommunication network such as the Internet according to the present invention,
퍼스널컴퓨터(PC), 모바일폰과 같은 전기통신단말기를 통해,Through telecommunication terminals such as personal computers (PCs) and mobile phones,
제1국송금자(단수 또는 복수)가 상기시스템의 제1국통화계좌에 입금한 입금정보와,Deposit information deposited by the first national remitter (single or plural) into the first national currency account of the system;
제2국송금자(단수 또는 복수)가 상기시스템의 제2국통화계좌에 입금한 입금정보를Deposit information deposited by a second national remitter (single or plural) into the second national currency account of the system
인식하는 입금모듈;Recognizing deposit module;
‘식별정보(identification information)’,‘송금액’,‘송금에 적용되기를 원하는 환율’ 을 정하여 송금자가 낸 환전·송금주문을 인식하고,Recognize currency exchange and remittance orders issued by the remitter by specifying 'identification information', 'remittance amount', and 'exchange rate you want to apply to remittance'.
송금에 적용되기를 원하는 환율에 따라 송금자의 주문을 디스플레이 하되,Display the sender's order at the exchange rate you want to apply to the transfer,
환율과 그 환율에 주문되어진 송금액의 합계인 주문금액 정보를 포함하는 호가창(bid-ask quote)을 디스플레이하여, 누구의 주문이 먼저 송금될 것인가에 대해 송금자들이 서로 경쟁할 수 있게 하는 주문·디스플레이모듈;Displays a bid-ask quote that contains information about the exchange rate and the order amount, which is the sum of the amounts sent at that exchange rate, allowing the senders to compete with each other for whose orders will be remitted first. Display module;
동일한 환율을 제시한 제1국송금자와 제2국송금자를 주문시간 순서로 매칭(matching)시켜 송금하고자 하는 금원을 교환하는 송금준비모듈을 포함하고,And a remittance preparation module for exchanging funds to be remitted by matching the first and second remitters with the same exchange rate in order of time;
상기 송금준비모듈은 송금하고자 하는 금원이 교환될 때, The remittance preparation module, when the money source to be remitted is exchanged,
제1국송금자가 지정한 식별정보는 교환되는 제2국통화가 송금되어야 할 곳으로 Identification information designated by the first country remitter shall be sent to the place where the second country currency to be exchanged should be remitted.
제2국송금자가 지정한 식별정보는 교환되는 제1국통화가 송금되어야 할 곳으로 Identification information designated by the second remitter shall be sent to the place where the first national currency to be exchanged should be remitted.
각 기록되어,Each one is recorded,
제1국통화계좌 및 제2국통화계좌의 금원을 송금 받을 사람의 식별정보에 따라 정리하면If the funds of the 1st and 2nd currency accounts are arranged according to the identification information of the recipient,
제1국통화계좌에서 제2국 송금자의 송금을 Send money from a remitter of a second country to your first currency.
제2국통화계좌에서 제1국 송금자의 송금을Remittance of the sender of the first country from the second national currency account
각 식별정보에 따라 송금할 수 있는 상태를 완성하여,Complete the status of remittance according to each identification information,
실제 외화 이전 없이 환전·송금하는 것을 가능하게 하는 것을To make it possible to exchange money and transfer money without actually transferring foreign currency.
특징으로 하고,Features,
아울러 together
투기적송금자의 제1국통화에 대한 권리를 나타내는 제1국통화계정과The first national currency account representing the rights of the speculative sender to the first national currency;
제2국통화에 대한 권리를 나타내는 제2국통화계정에 대한 정보를 포함하는 국제계좌를 생성하고 이를 상기 투기적송금자에게 디스플레이하는 국제계좌모듈;을 포함하고,And an international account module for generating an international account including information on a second national currency account representing a right to a second national currency and displaying it to the speculative remitter.
상기 주문·디스플레이모듈은The order display module
‘주문액’, ‘거래에 적용되기를 원하는 환율’ 을 정하여 투기적송금자가 낸 주문을 인식하고, Recognize orders made by speculative remitters by determining the "Order Amount" and the "Exchange Rates you want to apply to the transaction."
상기 송금준비모듈은The remittance preparation module
투기적송금자가 제1국투기적송금자가 될 때에는 투기적송금자의 제2국통화계정이,When the speculative sender becomes the first national speculative sender, the second national currency account of the speculative sender shall be
투기적송금자가 제2국투기적송금자가 될 때에 투기적송금자의 제1국통화계정이,When the speculative remitter becomes the second national speculative remitter,
거래적송금자에 있어서 송금 받을 사람에 대한 식별정보 역할을 하게 하는 것을 부가적인 특징으로 한다.An additional feature of the transaction remitter is to serve as identification information for the recipient.
본 발명은 국제송금거래소를 개설하여, The present invention opens an international money transfer exchange,
환율을 가격으로 하여 송금자들의 경쟁을 도입, 송금(서비스)을 하나의 금융상품처럼 매매의 형식으로 거래할 수 있게 하여 외환시장과 국제송금을 통합하는 효과를 발생시키고, 송금수요의 불일치문제를 해결할 수 있는 메커니즘을 제시한다.   The exchange rate is used as a price to introduce the competition of remitters, allowing remittances (services) to be traded in the form of a transaction, integrating the foreign exchange market and international remittances, and resolving the inconsistency of remittance demands. It suggests a mechanism to solve it.
또한, 투기적송금자(투자목적 송금거래 참여자)도 거래에 참여하게 하여 유효한 경쟁이 될 수 있도록 송금거래량(유동성)을 확보할 수 있게 하는 동시에, 투기적송금자에게는 환차익, 수수료 등의 수익을 얻을 수 있는 투자 기회를 제공한다.  In addition, speculative remitters (investors for investment in remittances for investment purposes) can also participate in transactions to secure remittance transactions (liquidity) so that they can be a valid competition, and at the same time, profits such as foreign exchange gains and fees can be obtained from speculative remitters. Provide investment opportunities.
주문·디스플레이모듈은 호가창을 제시하여 환율을 가격으로 하여 송금우선순위에 대해 경쟁할 수 있는 틀을 제공한다. 이를 통하여 본 발명에 외환시장 기능이 통합되는 효과가 발생한다.  The order display module provides a framework for competing against remittance priorities by offering exchange rates at prices. Through this, the effect of integrating the foreign exchange market function in the present invention occurs.
송금준비모듈은 금원이 교환될 때 송금 받을 사람에 대한 식별정보도 교환하여, 외환의 매매처럼 보이는 거래를 국제송금이라는 서비스로 전환시키는 효과를 발생시킨다.   The remittance preparation module also exchanges identification information about the recipients of the remittance when the funds are exchanged, thereby converting a transaction that looks like a foreign exchange transaction into a service called international remittance.
아울러, 주문·디스플레이모듈과 송금준비모듈의 결합으로 서비스를 상품처럼 매매할 수 있게 되어, 외환시장과 국제송금이 통합되는 효과가 발생한다.  In addition, the combination of the order display module and the remittance preparation module allows the service to be traded like a commodity, resulting in the integration of the foreign exchange market and international remittance.
국제계좌모듈은 투기적송금자에게 그가 통화에 대하여 가지는 권리를 나타내고, 송금 받을 사람에 대한 식별정보 역할을 하는 국제계좌를 할당함으로써, 투자 목적인 투기적송금자와 송금 목적인 거래적송금자가 거래를 할 수 있게 하여, 투자와 국제송금을 결합시키고 본 국제송금거래소(국제 환전·송금시스템)의 거래량을 늘리고 거래 유동성을 증가시키는 효과를 발생시키고, 동시에 투기적송금자에게 외환투자 및 수수료 등을 얻을 수 있는 기회를 제공한다.  The International Accounting Module allows the speculative sender to trade with the speculative remitter for investment purposes and the remittee for the purpose of remittance by assigning the speculative remitter the rights he has to the currency and acting as an identifying account for the remittee. To combine investment with international remittances, increase the volume of transactions on the International Exchange and Remittance System, increase the liquidity of transactions, and at the same time, offer speculative remitters the opportunity to obtain foreign exchange investments and commissions. to provide.
도 1은 본 발명의 실시예에 따른 국제송금거래소(국제 환전·송금 시스템)의 개략적인 구성을 나타낸 도면이다.1 is a view showing a schematic configuration of an international money transfer exchange (international money exchange, remittance system) according to an embodiment of the present invention.
도 2는 본 발명의 실시예에 따른 국제송금거래소의 입금모듈이 송금자의 계좌입금을 인식하는 예를 나타낸 도면이다.  2 is a diagram illustrating an example in which a deposit module of an international money transfer exchange recognizes a wire transfer of a remitter according to an embodiment of the present invention.
도 3은 본 발명의 실시예에 따른 국제송금거래소의 주문·디스플레이모듈이 송금자의 주문을 인식하고 동일한 환율을 기준으로 디스플레이한 예를 나타낸 도면이다.  3 is a diagram illustrating an example of an order and display module of an international remittance exchange according to an embodiment of the present invention to recognize an order of a remitter and display the same on the basis of the same exchange rate.
도 4는 본 발명의 실시예에 따른 국제송금거래소의 송금준비모듈이 같은 환율을 제시한 주문을 시간순서로 매칭하여 금원을 교환하고, 이때 송금 받을 사람에 대한 식별정보도 교환하여, 외화의 이전 없이 국제송금이 가능한 상태로 정리하는 예를 나타낸 도면이다.  Figure 4 is a remittance preparation module of the International Remittance Exchange according to an embodiment of the present invention to match the orders presented the same exchange rate in time order to exchange the money, and at this time also exchange the identification information for the transfer recipients, transfer of foreign currency A diagram showing an example of arranging international transfers without a state.
도 5는 본 발명의 실시예에 따른 국제송금거래소의 국제계좌모듈이 하나의 국제계좌를 생성하여 보여주는 예를 나타낸 도면이다.  5 is a diagram illustrating an example of generating and displaying one international account by an international account module of an international money transfer exchange according to an embodiment of the present invention.
도 6은 본 발명의 실시예에 따른 송금준비모듈이 투기적송금자와 거래적송금자 사이의 거래를 처리하는 것을 보여주는 예를 나타낸 도면이다.  6 is a view showing an example showing that the remittance preparation module according to an embodiment of the present invention processes the transaction between the speculative remitter and the transaction remitter.
도 7은 본 발명의 실시예에 따른 송금준비모듈이 투기적송금자와 투기적송금자 사이의 거래를 처리하는 것을 보여주는 예를 나타낸 도면이다.  7 is a diagram showing an example showing that the remittance preparation module according to an embodiment of the present invention processes the transaction between the speculative sender and the speculative sender.
도 8은 본 발명의 실시예에 따른 주문·디스플레이모듈이 투기적송금자의 거래대상으로 거래적송금자의 주문만 보여주는 투자호가창을 디스플레이하는 것을 보여주는 예를 나타낸 도면이다.  8 is a view showing an example showing an order display unit according to an embodiment of the present invention displays the investment quotation window showing only the order of the transaction remitter to the trading object of the speculative remitter.
본 발명은 국제송금을 외환매매의 형식으로 이루어지게 하여 국제송금과 외환시장을 통합하는 시스템을 구축하려고 한다. The present invention attempts to build a system that integrates international remittances and the foreign exchange market by making international remittances in the form of foreign exchange trading.
아울러, 투기적송금자를 거래에 참여시켜서 투자와 송금을 결합하여 거래를 원활하게 할 수 있도록 거래량을 확보하는 방법도 제시한다.   In addition, we propose a method to secure the volume of transactions to facilitate the transaction by combining investment and remittance by involving speculative remitters in the transaction.
문맥에 따라 본 발명은 국제 환전·송금시스템 내지 국제송금거래소라고 지칭될 수 있다.   Depending on the context, the present invention may be referred to as an international money exchange or money transfer system or an international money transfer exchange.
명세서 전체에서, 어떤 부분이 어떤 구성요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 포함할 수 있다는 것을 의미한다. 또한, 명세서에 기재된 "모듈" “장치” “~부” 등의 용어는 적어도 하나의 기능이나 동작을 처리하는 단위를 의미하며, 이는 하드웨어나 소프트웨어 또는 하드웨어 및 소프트웨어의 결합으로 구현될 수 있다.  Throughout the specification, when a part is said to "include" a certain component, it means that it may further include other components, except to exclude other components unless specifically stated otherwise. In addition, the terms "module", "device", "~ part", etc. described in the specification mean a unit for processing at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.
아울러, 본 실시예에서 사용되는 "제1국통화계좌" "제2국통화계좌"는 경우에 따라서는 국내외 금융기관의 계좌 및 시스템을 의미할 수 있다.  In addition, "first national currency account" and "second national currency account" used in the present embodiment may refer to accounts and systems of domestic and foreign financial institutions in some cases.
이하 첨부된 도면을 참조하여 본 발명의 실시예를 상세히 설명한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
(송금자)(Sender)
송금자는 제1국송금자와 제2국송금자를 포함하는 개념이며,Remitter is a concept that includes a first country remitter and a second country remitter,
제1국송금자는 제1국에서 제2국으로 송금하려는 사람이고,A first country remitter is a person who wants to transfer money from a first country to a second country,
제2국송금자는 제2국에서 제1국으로 송금하려는 사람이다.A second state remitter is a person who intends to transfer money from a second country to a first country.
송금자 등은 단수로 서술되어 있는 경우에도 문맥에 따라 복수를 의미할 수도 있다.Even when the remitter is described in the singular, it may mean a plural number depending on the context.
(식별정보)(Identification information)
식별정보(identification information)란 은행계좌번호, 전화번호와 같은 송금 받을 사람을 특정할 수 있는 정보를 말한다.  Identification information is information that can identify the person to be remitted, such as a bank account number or phone number.
(제1국통화계좌/제2국통화계좌)(1st national currency account / 2nd national currency account)
제1국통화계좌와 제2국통화계좌는 본 국제송금거래소(이하 “거래소”라고 한다)가 금융기관에 대해 가지고 있는 실제 금융계좌일 수 있다.  The first and second currency accounts may be actual financial accounts held by the International Remittance Exchange (hereinafter referred to as the "Exchange") for financial institutions.
상기 각 통화계좌의 기능은 거래소가 각 금융기관에 가지는 각 통화에 대한 처분권을 나타내기 위한 것이므로 복수의 금융기관이 거래소에 연결되어 있을 경우 그러한 처분권의 합계를 나타내는 하나의 가상 계좌인 경우도 있다.   The function of each monetary account is to represent the right of disposition of each currency that the exchange has in each financial institution, so that when a plurality of financial institutions are connected to the exchange, it may be a single virtual account that represents the sum of such disposition rights.
제1국통화계좌는 제1국에서, 제2국통화계좌는 제2국에서 입금할 수 있는 것이 바람직하지만, 금융기관을 매개하는 방법 등으로 제3국에서 입금하는 것도 가능하다.  Although it is preferable to deposit the first national currency account in the first country and the second national currency account in the second country, it is also possible to deposit in the third country by a method of mediating a financial institution.
(본 거래소의 구성) (Configuration of this exchange)
본 거래소는 DB서버, 웹 서버, 모바일 서버, 애플리케이션 등을 통합하는 것으로서, 이러한 시스템은 별도의 웹페이지(웹 사이트 또는 모바일 사이트 등) 등을 관리할 수 있고, 웹페이지 등은 사용자들의 의사표시를 전달할 수 있는 인터페이스 기반을 제공할 수 있다.  This exchange integrates DB server, web server, mobile server, application, etc. Such a system can manage separate web pages (web site or mobile site, etc.), and web pages can display user's intentions. It can provide an interface foundation that can be delivered.
도 1은 본 발명에 따른 국제송금거래소의 개략적인 구성을 나타낸 도면이다.  1 is a view showing a schematic configuration of an international money transfer exchange according to the present invention.
도 1을 참조하면, 본 거래소는 입금모듈(101), 주문·디스플레이모듈(102), 송금준비모듈(103), 제1국통화계좌(104), 제2국통화계좌(105)를 포함하여 구성될 수 있고, 사용자의 퍼스널컴퓨터(PC), 모바일폰과 같은 전기통신단말기, 은행서버와 같은 금융기관서버와 연결됨으로써 확장될 수 있다. 연결된다는 것은 데이터를 주고받을 수 있고 연동되어 작동할 수 있다는 의미를 포함한다. 또한, 본 거래소는 금융기관과 연결하여 국내송금으로 전환된 국제송금을 자동으로 실행할 수도 있다.  Referring to FIG. 1, the exchange includes a deposit module 101, an order / display module 102, a remittance preparation module 103, a first national currency account 104, and a second national currency account 105. It can be configured and expanded by being connected to a user's personal computer (PC), a telecommunications terminal such as a mobile phone, and a financial institution server such as a bank server. To be connected means to send and receive data and to work in conjunction. In addition, the exchange may automatically execute international remittances converted into domestic remittances in connection with financial institutions.
아울러, 상기 시스템의 서버 또는 모듈의 일부 또는 전부가 제1국, 제2국, , 제3국 등 국내외 여러 나라에 나누어져 있을 수 있다.   In addition, some or all of the servers or modules of the system may be divided into various countries at home and abroad, such as a first station, a second station, and a third station.
은행과 같은 제1국 금융기관과 제2국 금융기관이 본원 거래소와 전기통신 네트워트 상에서 연결될 수 있다.    First country financial institutions, such as banks, and second country financial institutions may be connected to the Exchange on the telecommunications network.
제1국 금융기관과 제2국 금융기관은 단수일 수도 있고 복수일수도 있다.    The first and second financial institutions may be singular or plural.
(입금모듈)(Deposit module)
입금모듈은 Deposit module
인터넷과 같은 전기통신네트워크 상에서의 환전·송금시스템에 있어서For money exchange and remittance system in telecommunication networks such as internet
퍼스널컴퓨터(PC), 모바일폰과 같은 전기통신단말기를 통해,Through telecommunication terminals such as personal computers (PCs) and mobile phones,
제1국송금자(단수 또는 복수)가 상기시스템의 제1국통화계좌에 입금한 입금정보와,Deposit information deposited by the first national remitter (single or plural) into the first national currency account of the system;
제2국송금자(단수 또는 복수)가 상기시스템의 제2국통화계좌에 입금한 입금정보를Deposit information deposited by a second national remitter (single or plural) into the second national currency account of the system
인식하는 특징을 가질 수 있다.It may have a feature to recognize.
입금모듈은 송금자들이 제1국통화계좌와 제2국통화계좌에 입금한 금원에 대한 정보를 금융기관으로부터 제공받아 인식할 수 있다. 이때 입금모듈은 송금자의 전기통기단말기에서 구동하는 앱을 통해 입금방법을 제공할 수 있다. 또한, 전기통신단말기를 통해 송금자에게 자신이 가지는 통화에 대한 권리를 보여줄 수도 있다.   The deposit module may receive information about the funds that remitters have deposited in the first and second national currency accounts from financial institutions. In this case, the deposit module may provide a deposit method through an app running on the sender's electric vent terminal. It is also possible to show the remitter the rights to the currency he has through the telecommunications terminal.
제1국송금자는 거래소의 제1국통화계좌에, 제2국송금자는 거래소의 제2국통화계좌에 입금할 수 있다.  The first remitter may deposit into the first national currency account of the exchange and the second remitter may deposit into the second national currency account of the exchange.
도 2의 실시예는 입금모듈이 제공한 상기 방법에 따라, 한국(제1국)에서 미국(제2국)으로 환전·송금을 원하는 갑이 거래소의 원화(제1국통화)계좌에 10,000원을 입금하고, 미국에서 한국으로 환전·송금을 원하는 B와 C가 각 6달러, 4달러를 거래소의 달러(제2국통화)계좌에 입금한 것을 입금모듈이 인식하여 시스템의 관리자 등이 볼 수 있도록 시각화한 것을 나타낸다.  In the embodiment of Figure 2, according to the method provided by the deposit module, you want to exchange and transfer money from Korea (first country) to the United States (second country) 10,000 won in the won (first country currency) account of the exchange The deposit module recognizes that B and C, who want to exchange and transfer money from the United States to Korea, have deposited $ 6 and $ 4 each in the exchange's dollar (second national currency) account. To visualize it.
입금모듈은 입금방법제공부, 입금정보데어터베이스부, 통화계좌정보표시부 등을 포함할 수 있다.   The deposit module may include a deposit method providing unit, a deposit information database unit, a currency account information display unit, and the like.
입금방법제공부는 전기통신네트워크로 연결된 송금자가 사용하는 전자통신단말기에 입금방법을 제공하는 기능을 수행할 수 있다. 입금방법제공부는 이를 위해 송금자 단말기의 앱 형태로 구현될 수 있다.  The deposit method providing unit may perform a function of providing a deposit method to an electronic communication terminal used by a remitter connected to a telecommunication network. The deposit method providing unit may be implemented in the form of an app of the remitter terminal for this purpose.
입금정보데이터베이스부는 송금자가 입금한 금원에 대한 입금정보를 저장할 수 있고, 복수의 금융기관이 연결되어 있을 경우 각 통화별로 입금정보를 기록하여 가상의 제1국통화계좌와 제2국통화계좌를 생성할 수 있다.  The deposit information database unit may store deposit information on the money source deposited by the remitter, and when a plurality of financial institutions are connected, record the deposit information for each currency to create a virtual first and second national currency account. can do.
통화계좌정보표시부는 제1국통화계좌와 제2국통화계좌에 입금된 금원을 거래소 전체 또는 개별송금자단위로 표시할 수 있고, 이를 시스템관리자 또는 개별 송금자에게 시각화하여 보여 줄 수도 있다.   The currency account information display unit may display the funds deposited in the first national currency account and the second national currency account in the entire exchange or individual remitter unit, and may visualize and display them to the system administrator or individual remitter.
(주문·디스플레이모듈)(Order and Display Module)
주문·디스플레이모듈은Order display module
‘식별정보(identification information)’,‘송금액’,‘송금에 적용되기를 원하는 환율’ 을 정하여 송금자가 낸 환전·송금주문을 인식하고,Recognize currency exchange and remittance orders issued by the remitter by specifying 'identification information', 'remittance amount', and 'exchange rate you want to apply to remittance'.
송금에 적용되기를 원하는 환율에 따라 송금자의 주문을 디스플레이 하는 하되,Display the sender's order at the exchange rate you want to apply to the transfer,
환율과 그 환율에 주문되어진 송금액의 합계인 주문금액 정보를 포함하는 호가창(bid-ask quote)을 디스플레이하여, 누구의 주문이 먼저 송금될 것인가에 대해 송금자들이 서로 경쟁할 수 있게 하는 특징을 가질 수 있다.Display a bid-ask quote that contains information on the exchange rate and the order amount, which is the sum of the amounts remitted to the exchange rate, to allow senders to compete with each other for whose orders will be remitted first. Can have
주문·디스플레이모듈은 환율을 매개로 하여 송금자들이 거래 상황을 인식하고 비교·경쟁하여 그들의 송금행위로써 거래환율이 내재적으로 결정되게 하고 국제송금거래소를 개시하는 기능을 수행할 수 있다.  The order / display module may perform a function of remitter recognizers, compare and compete with the exchange rate, exchange rate is determined implicitly by their remittance and start international money exchange.
도 3는 주문·디스플레이모듈이 사용자의 환전·송금 주문을 받아 동일한 환율을 기준으로 하여 송금자의 전자통신단말기에 디스플레이한 하나의 실시예를 도시한 것이다.  3 illustrates an embodiment in which the order / display module receives a user's exchange order and a remittance order and displays the same on the remitter's electronic communication terminal based on the same exchange rate.
도 3의 실시예는, 갑이‘송금받을사람:A, 송금액10,000원, 환율1,000원/달러’환전·송금주문을 내고, B가 ‘송금받을사람:을, 송금액6달러, 환율1,000원/달러’ 주문을 낸 후, C가 ‘송금받을사람:병, 송금액4달러, 환율1,000원/달러’ 로 낸 주문을 포함하여, 환율과 주문금액 정보를 포함하는 호가창을 디스플레이한 것을 나타낸다. 갑과 B,C간 거래가 일어나는 경우라면 도 3은 거래가 일어나는 순간을 포착한 것이 된다.   In the embodiment of Fig. 3, A's remittance recipient: A, remittance amount of 10,000 won, exchange rate 1,000 won / dollar, exchanges the remittance and remittance order, B remits remittance of remittance amount of 6 dollars, exchange rate 1,000 won / Dollar 'after placing an order, C displays a quotation window including exchange rate and order value information, including an order issued as' To: Remittee: USD 4, Exchange Rate 1,000 Won / Dollar'. If the transaction occurs between A and B and C, Figure 3 captures the moment when the transaction takes place.
아울러, 주문·디스플레이모듈은 일정기간 주문을 모아서 주식시장에서 이용되는 동시호가의 방식으로 주문을 디스플레이 할 수도 있고, 이를 이용하여 일정기간 주문을 모아서 거래할 수도 있다.  In addition, the order display module may display the order in a manner of the simultaneous quotes used in the stock market by collecting the order for a certain period of time, it is also possible to collect and trade the order for a certain period using this.
또한, 주문·디스플레이모듈은 현재 거래 가능한 환율에서 즉시 거래를 성사시키는 시장가주문도 역시 허용할 수 있다.  In addition, the order display module can also accept market price orders that immediately close the current exchangeable exchange rate.
주문·디스플레이모듈은 주문인식부, 주문데이터부, 주문디스플레이부를 포함할 수 있다. The order display module may include an order recognition unit, an order data unit, and an order display unit.
주문인식부는 송금자에게 주문할 수 있는 주문데이터입력장치를 전기통신단말기를 통해 제공할 수 있다. 이때 주문데이터입력장치에서 송금자가 선택하면 시장가 주문을 허용할 수도 있다.   The order recognition unit may provide an order data input device that can be ordered to a remitter through a telecommunication terminal. At this time, if the sender selects the order data input device, the market price may be allowed.
주문데이터부는 송금자의 주문정보를 데이터베이스에 저장하고, 주문을 환율과 주문시간 순서로 정렬할 수 있다.  The order data unit may store the remitter's order information in a database and sort the orders in the order of exchange rate and order time.
주문디스플레이부는 환율과 그 환율에 주문된 송금액수의 합인 주문금액 정보를 포함하는 호가창을 송금자가 사용하는 전기통신단말기에 디스플레이할 수 있다. 이때 동시호가 방식으로 일정기간의 주문을 모아 디스플레이 할 수 도 있다.  The order display unit may display, on the telecommunications terminal used by the remitter, a quotation number window including order value information that is the sum of the exchange rate and the number of remittances ordered at the exchange rate. At this time, the order of a certain period may be collected and displayed by the simultaneous price method.
(송금준비모듈)(Transfer Preparation Module)
송금준비모듈은 동일한 환율을 제시한 제1국송금자와 제2국송금자를 주문시간 순서로 매칭(matching)시켜 송금하고자 하는 금원을 교환하고,The remittance preparation module exchanges the funds to be remitted by matching the first and second country remitters with the same exchange rate in order of order time,
금원이 교환될 때, When the money source is exchanged,
제1국송금자가 지정한 식별정보는 교환되는 제2국통화가 송금되어야 할 곳으로 Identification information designated by the first country remitter shall be sent to the place where the second country currency to be exchanged should be remitted.
제2국송금자가 지정한 식별정보는 교환되는 제1국통화가 송금되어야 할 곳으로 Identification information designated by the second remitter shall be sent to the place where the first national currency to be exchanged should be remitted.
각 기록되어,Each one is recorded,
제1국통화계좌 및 제2국통화계좌의 금원을 송금 받을 사람의 식별정보에 따라 정리하면If the funds of the 1st and 2nd currency accounts are arranged according to the identification information of the recipient,
제1국통화계좌에서 제2국 송금자의 송금을 Send money from a remitter of a second country to your first currency.
제2국통화계좌에서 제1국 송금자의 송금을Remittance of the sender of the first country from the second national currency account
각 식별정보에 따라 송금할 수 있는 상태를 완성하여,Complete the status of remittance according to each identification information,
실제 외화 이전 없이 환전·송금하는 것을 가능하게 하는 특징을 가질 수 있다.It may have a feature that enables exchange and remittance without actual foreign currency transfer.
송금준비모듈은 특정 환율에서 등가의 송금액을 교환함과 동시에 송금식별정보, 즉 송금되어야 할 대상 정보도 같이 교환하여 국제송금을 국내송금으로 전환시킨다.  The remittance preparation module exchanges the equivalent amount of remittance at a specific exchange rate and simultaneously converts international remittance into domestic remittance by exchanging remittance identification information, that is, information to be remitted.
도 4는 제1국통화와 제2국통화가 교환되고 식별정보도 교환되는 하나의 실시예를 도시하고 있다.  4 shows an embodiment in which the first national currency and the second national currency are exchanged and identification information is also exchanged.
송금준비모듈은 제1국 송금자와 제2국 송금자들 중, 동일한 환율을 제시한 사람들의 주문을 시간순서대로 매치시켜 금원을 교환한다.  The remittance preparation module exchanges the funds by matching the orders of the remitters of the first country and the remitters of the second country with the same exchange rate in chronological order.
이때 교환되는 금원에 원래 존재했던 식별정보도 교환된다.   At this time, identification information originally existing in the exchanged money is also exchanged.
도 4의 상단은 교환환율 1,000원/달러에서 갑의 10,000원이 B의 6달러와 교환된 후 C의 4달러와 교환되는 것을 나타낸다. 그리고 도 4의 하단은 이렇게 갑의 10,000원과 교환된 10달러에는 A의 식별정보가 기록되고, B의 6달러와 교환된 6,000원에는 을의 식별정보가, C의 4달러과 교환된 4,000원에는 병의 식별정보가 각 기록되는 것을 나타낸다. (갑이 10,000원 이상 송금주문을 하였다면, 교환된 10,000원을 제외한 금원은 C보다 나중에 환율 1,000원/달러로 주문한 제2국송금자와 교환될 수 있도록 계속 주문상태를 유지하게 된다.)  The upper part of FIG. 4 shows that the exchange rate of 1,000 won / dollar exchanges 10,000 won of A for $ 6 of B and then $ 4 of C. 4, the identification information of A is recorded at $ 10 exchanged with 10,000 won of A, and the identification information of A at 6,000 won exchanged at $ 6 of B, and at 4,000 won exchanged at $ 4 of C. Indicates that identification information is recorded. (If you place a remittance order of $ 10,000 or more, the funds will remain in order to be exchanged with a second country remitter ordered at a rate of $ 1,000 / dollar after C.)
이렇게 교환된 금원을 송금준비모듈이 식별정보에 따라 정리하게 되면, 외화의 실질적인 이전 없이 국제 환전·송금이 국내송금으로 전환되어 국내에서 송금을 실현할 수 있는 상태가 된다.  When the funds are arranged by the remittance preparation module according to the identification information, international exchange and remittance can be converted into domestic remittance without substantial transfer of foreign currency, and the remittance can be realized in Korea.
도 4의 하단의 실시예는, 원화계좌에 갑이 입금한 10,000원중 6,000원은 식별정보에 따라 을에게, 4,000원은 식별정보에 따라 병에게 송금할 수 있는 상태가 되고, 달러계좌에 B가 입금한 6달러와 C가 입금한 4달러(합계10달러)는 식별정보에 따라 A에게 송금할 수 있는 상태가 되는 것을 나타낸다.  In the embodiment of the lower part of Fig. 4, 6,000 won among the 10,000 won deposited in the won account is to be remitted to E according to the identification information, and 4,000 won is to be remitted to the bottle according to the identification information. $ 6 deposited and $ 4 deposited by C ($ 10 in total) indicate that A can be remitted to A according to the identifying information.
송금준비모듈은 교환부, 기록부를 포함할 수 있다.  The remittance preparation module may include an exchange unit and a recording unit.
교환부는 송금에 적용될 환율이 동일할 경우 거래가 이루어지게 하는데 금원의 귀속과 송금받을 사람에 대한 식별정보 데이터를 교환할 수 있다. 이때 일정기간의 거래를 모아 교환할 수도 있다.The exchange unit allows transactions to be made when the exchange rate to be applied to the remittance is the same, and may exchange identification information data about the source and the recipient of the remittance. At this time, it is possible to collect and exchange transactions for a certain period.
기록부는 거래가 이루어진 후 제1국통화계좌 및 제2국통화계좌의 금원이 귀속될 송금 받을 사람을 기준으로 정리하여 기록할 수 있다.  After the transaction is made, the recorder may arrange and record the remittees to which the funds of the first and second national currency accounts will be attributed.
아울러, 송금준비모듈은 일정한 송금수수료를 차감한 금원을 기록할 수도 있고, 은행서버 등과 연결되어 시스템이 확장될 경우 은행서버 등에 그 정보를 주고받을 수 있고 연동되어 작동할 수 있다.   In addition, the remittance preparation module may record the money source by deducting a certain remittance fee, and if the system is expanded by connecting to the bank server, the information can be exchanged to the bank server, etc., and operate in conjunction.
〔유동성 공급방법〕[Liquidity supply method]
본 거래소에 투자를 목적으로 하는 투기적송금자를 거래에 참여시키면 본 거래소의 거래를 이용한 하나의 투자방법이 만들어짐과 동시에 거래소의 거래량 내지 유동성이 증가하는 효과가 발생하게 할 수 있다.  Participating in speculative remitters for investment in the exchange may create an investment method using the exchange and at the same time, increase the trading volume or liquidity of the exchange.
(투기적송금자)(Speculative remitter)
투기적송금자는 송금이 목적이 아니라 환차익, 수수료, 이자와 같은 투자수익을 목적으로 본 거래소에서 발생하는 거래에 참여하는 자이다.  A speculative remitter is a person who participates in transactions arising from this exchange for the purpose of return on investment, not for remittance, but for exchange gains, fees and interest.
투기적송금자는 제1국 통화를 매도하고 제2국 통화를 매수하는 경우에는 제1국투기적송금자가 되고, 반대로 제2국 통화를 매도하고 제1국 통화를 매수하는 경우 제2국투기적송금자가 된다. 투기적송금자는 자신이 하는 거래에 따라 제1국투기적송금자가 될 수도 있고, 제2국투기적송금자가 될 수도 있다.  A speculative remitter shall be a first speculative remitter if he / she sells a first country's currency and buys a second country's currency, and conversely, if he sells a second country's currency and buys a first country's currency, Become a remitter A speculative remitter may be a first national speculative remitter or a second national speculative remitter, depending on the transaction he makes.
투기적송금자는 직접 또는 거래소와 연결된 금융기관을 경유하여 거래소의 각 통화계좌에 입금하고 그에 대한 처분권을 획득할 수 있다.(이때 금융기관으로부터 그 금원을 빌릴 수도 있다.)  A speculative remitter may deposit and obtain a right to dispose of each monetary account on the exchange, either directly or through a financial institution linked to the exchange (which may be borrowed from the financial institution).
제1국투기적송금자는 본 국제송금거래소에서 발생하는 거래에 참여하여 제2국송금자와의 거래를 통해 자신의 제1국 통화로 제2국송금자의 송금에 응하고 제2국 송금자가 예치한 제2국 통화에 대한 권리를 획득한다. (이때 제2국 통화에 대한 권리는 제1국 금융기관을 매개로 하여 간접적으로 획득할 수 있고, 제2국 통화를 취득하는 경우 이자내지 수수료가 지급될 수도 있다. 또한, 제1국투기적송금자의 상대방은 제2국투기적송금자가 될 수도 있다.)  The first speculative remitter shall participate in the transactions arising on the International Remittance Exchange and, through the transaction with the second remitter, respond to the remittance of the second remitter in the currency of his first country and shall be deposited by the second remitter. Obtain the rights to a second country's currency. (The rights to the currency of the second country may be obtained indirectly through the financial institution of the first country, and interest or fee may be paid if the currency of the second country is acquired. The sender's other party may be a second speculative sender.)
제2국투기적송금자도 상기 설명에서 “2”와 “1”을 바꾸면 같은 설명이 된다.The second national speculative remitter will be given the same explanation by changing "2" and "1" in the above description.
투기적송금자는 본 거래소의 거래에 참여하여 외환투자와 유사한 투자를 하는 것이다.  Speculative remitters participate in trading on the exchange and make investments similar to those of foreign exchange investment.
(송금자 개념 확대)(Expand sender concept)
투기적송금자가 거래에 참여할 경우When a speculative sender participates in a transaction
송금자는 거래적송금자와 투기적송금자로 구성되며, The sender consists of the transaction sender and the speculative sender.
거래적송금자에는 제1국거래적송금자와 제2국거래적송금자가 있고,Transactional remitters include first country transaction remitters and second country transaction remitters,
투기적송금자는 제1국투기적송금자와 제2국투기적송금자를 포함하는 개념이고, 제1국송금자는 제1국거래적송금자와 제1국투기적송금자를 포함하고, 제2국송금자는 제2국거래적송금자와 제2국투기적송금자를 포함하는 개념이다.A speculative remitter is a concept that includes a first national speculative remitter and a second national speculative remitter, and the first national remittance includes a first national transaction remitter and a first national speculative remitter, It is a concept that includes a second country transaction remitter and a second country speculative remitter.
제1국거래적송금자는 제1국에서 제2국으로 송금하려는 사람이고, A first country transactional remitter is a person who wants to transfer money from a first country to a second country,
제2국거래적송금자는 제2국에서 제1국으로 송금하려는 사람을 말한다.A second country transactional remittee is a person who intends to transfer money from a second country to a first country.
(국제계좌 및 국제계좌모듈)(International Account and International Account Module)
본 거래소는 투기적송금자에게 국제계좌를 제공할 수 있다. 국제계좌는 투기적송금자가 취득한 제1국통화 및 제2국통화에 대한 권리를 나타내는 기록을 포함할 수 있다. 국제계좌는 하나의 금융기관에 대한 권리일 수도 있고, 제1국 금융기관 및 제2국 금융기관에 투기적 송금자가 가지는 권리를 합하여 보여주는 가상의 계좌일 수도 있다.(이는 투기적송금자가 본 거래소에 대해 가지는 권리를 의미할 수도 있다)  The Exchange may provide international accounts to speculative remitters. The international account may include a record indicating the rights of the first and second national currencies acquired by the speculative sender. An international account may be a right to one financial institution, or it may be a fictitious account that combines the rights of a speculative sender to a financial institution in a first country and a financial institution in a second country. May mean you have a right to)
국제계좌모듈은 투기적송금자에게 국제계좌를 개별적으로 보여주는 기능을 수행할 수 있다.  The international account module can perform the function of individually displaying the international account to the speculator.
국제계좌는 제1국통화계정(제1국통화에 대한 권리)과 제2국통화계정(제2국통화에 대한 권리)으로 구성될 수 있고, 투기적송금자가 거래소의 제1국통화계좌에 입금하면 자신의 제1국통화계정에도 처분권이 기록될 수 있다.(제2국통화계좌에 입금하면 제2국통화계정에 기록)    An international account may consist of a first national currency account (right to a first national currency) and a second national currency account (right to a second national currency), and speculative remitters may be placed on the exchange's first national currency account. When depositing, the right of disposal may be recorded in one's first national currency account (if deposited in a second national currency account, it is recorded in a second national currency account).
투기적송금자의 각 계정은 투기적송금자에게 있어 송금받을 사람에 대한 식별정보를 대신한다. 제1국투기적송금자가 제2국통화를 매수한 경우 그의 제2국통화계정이 송금 받을 사람에 대한 식별정보가 될 수 있다.(제2국투기적송금자가 제1국통화를 매수한 경우 그의 제1국통화계정이 식별정보 역할) Each account of a speculative sender replaces the identification information of the recipient of the speculative transfer. If the first national speculative sender buys a second national currency, his second national currency account may be the identification information of the person to be remitted (if the second national speculative sender buys the first national currency). His first national currency account serves as identifying information)
도 5는 투기적송금자 “정”(丁)이 제1국통화계좌에 20,000원을 입금하여 자신의 국제계좌 제1국통화계정에 20,000원이 처분권으로 기록된 것을 도시하고 있다. 그리고 “정의 제1국통화계정”과 “정의 제2국통화계정” 이 거래에 있어 식별정보 역할을 한다.  FIG. 5 shows that the speculative remitter “Jung” (丁) deposited 20,000 won in the first national currency account and recorded 20,000 won in his international account first national currency account as a disposal right. In addition, the "Definition 1 national currency account" and "Definition 2 national currency account" serve as identification information in the transaction.
(투기적 송금거래)(Special Money Transfer Transactions)
투기적송금자는 거래적송금자 및 투기적송금자와 거래를 할 수 있다. 투기적송금자는 ‘거래액’ ‘거래에 적용되기를 원하는 환율’을 정하여서 주문을 내고, 주문디스플레이모듈은 이를 인식할 수 있다. 투기적송금자에 있어 ‘거래액’ ‘거래에 적용되기를 원하는 환율’ 은 거래적송금자에 있어 ‘송금액’,‘송금에 적용되기를 원하는 환율’ 에 대응하는 것이다.  A speculative sender may transact with a transactional sender and a speculative sender. The speculative remitter places an order by setting the 'transaction amount' and the 'exchange rate' to be applied to the transaction, and the order display module can recognize the order. For a speculative sender, the 'transaction amount' and 'the exchange rate that you want to apply to the transaction' correspond to the 'transfer amount' and 'the exchange rate that you want to apply to the remittance' for the transaction sender.
투기적송금자간의 거래인 경우 각자의 국제계좌의 포지션 교환이 일어나고, 송금준비모듈에서는 국제계좌의 계정이 식별정보의 역할을 한다.   In the case of a transaction between speculative remitters, the position exchange of each international account takes place, and in the remittance preparation module, the account of the international account serves as identification information.
투기적송금자와 거래적송금자가 거래하는 경우, 투기적송금자의 국제계좌 계정의 금원은 거래적송금자가 지정하는 식별정보로 송금될 금원이 되고, 거래적송금자의 금원은 투기적송금자의 국제계좌 계정으로 기록되게 된다. 국내송금부분까지 다 실현시킨다면 투기적송금자의 금원으로 거래적송금자의 송금을 실현시키고 거래적송금자의 금원은 투기적송금자의 국제계좌로 입금되게 되는 것이다. 이때 투기적송금자는 거래소에 대해 직접적인 권리를 취득할 수도 있고 다른 금융기관을 매개하여 간접적으로 권리를 취득할 수도 있다. 투기적송금자는 이를 통해 외환에 투자하는 것과 유사한 투자기회를 가질 수 있다.   When a speculative sender and a transactional remitter transact, the funding source of the speculative sender's international account is the source of the funds to be remitted with the identification information specified by the transactional remitter, and the transaction remitter's cash is the international account account of the speculative sender. Will be recorded. If all domestic remittances are realized, the remittance of the transactional remitter will be realized by the financial institution of the speculative remitter, and the financial institution of the transactional remitter will be deposited into the international account of the speculative remitter. At this time, the speculative remitter may acquire rights directly to the exchange or indirectly through other financial institutions. A speculative remitter can have an investment opportunity similar to investing in foreign exchange.
도 6은 투기적송금자와 거래적송금자 사이의 거래를 송금준비모듈이 처리하는 하나의 실시예를 도시하고 있다. 6 illustrates one embodiment in which the remittance preparation module processes a transaction between a speculative sender and a transaction remitter.
제1국투기적송금자 정(丁)과 제2국거래적송금자 D가 환율 1,000원/달러에서 거래하는 경우 정의 20,000원과 D의 20달러가 교환될 때, 20,000원은 D가 지정한 무가 송금 받을 사람으로 기록되고, 20달러는 정의 국제계좌(제2국통화계정)로 기록되는 것을 보여준다.If the first state speculative sender positive and the second state transaction remitter D trade at the exchange rate of 1,000 won / dollar, when the definition of 20 thousand won and 20 dollars of D are exchanged, 20,000 won shall be remitted free of charge designated by D. It is recorded as a person and $ 20 shows that it is recorded as a positive international account.
도 7은 제1국투기적송금자 “기”(己)와 제2국투기적송금자 E가 환율 1,000원/달러에 거래하는 경우 기의 10,000원과 E의 10달러가 교환될 때, 10,000원은 E의 국제계좌(제1국통화계정)으로 기록되고, 10달러는 기의 국제계좌(제2국통화계정)로 기록되는 것을 보여준다.  7 shows that when the first state speculative remitter “Ki” and the second state speculative remitter E trade at the exchange rate of 1,000 won / dollar, when 10,000 won and 10 dollars of E are exchanged, It is recorded in E's international account (first national currency account), and $ 10 is recorded in Q's international account (second national currency account).
유동성공금방법 내지 투기적송금자가 거래에 참가하는 경우에 있어서In the case of a liquidity fund method or a speculative remitter participating in a transaction,
국제계좌모듈은 계정데이터부, 계정디스플레이부를 포함 할 수 있다.  The international account module may include an account data unit and an account display unit.
계정데이터부는 투기적송금자 가지는 제1국통화와 제2국통화에 대한 권리를 나타내는 국제계좌에 대한 테이터를 저장할 수 있다.The account data unit may store data for an international account indicating a right to a first national currency and a second national currency having a speculative remitter.
계정디스플레이부는 투기적송금자의 단말기에 그가 가지고 있는 제1국통화와 제2국통화에 대한 권리를 나타내는 국제계좌를 디스플레이할 수 있다.  The account display unit may display, on the terminal of the speculative sender, an international account indicating the rights of the first national currency and the second national currency in his possession.
송금준비모듈의 각 부는 투기적송금자의 경우 그의 국제계좌의 제1국통화계정과 제2국통화계정을 각 송금 받을 사람에 대한 식별정보로 의제하여 각 기능을 수행 할 수 있다.  Each part of the remittance preparation module may perform the functions of a speculative remitter by agenda of the first national currency account and the second national currency account of his international account as identification information for each recipient.
(투자호가창)(Investment quotation)
주문·디스플레이모듈은 투기적송금자에게 선택을 제시하고, 선택할 경우 투기적송금자에게 전체 주문이 아닌 거래적송금자의 주문만 보여주는 투자호가창을 제시할 수 있다. 이는 투기적송금자의 거래 상대방을 거래적송금자로 한정하여 국제송금거래소의 송금 유동성을 확보하기 위함이다.  The order display module may present a choice to the speculative remitter and, if selected, present the investment quotation window to the speculative remitter showing only the orders of the transaction remitter, not the entire order. This is to secure the liquidity of the remittance of the international remittance exchange by limiting the counterparty's counterparty to the transaction remitter.
이때 투기적송금자에게 수수료와 같은 추가적인 인센티브를 주어 이러한 거래가 더욱 많아지도록 유도할 수 있다.At this time, additional incentives, such as fees, can be given to speculative remitters to encourage more transactions.
도 8은 주문·디스플레이모듈이 투기적송금자의 거래상대방으로 거래적송금자의 주문만 보여주는 투자호가창의 하나의 실시예를 도시하고 있다.   FIG. 8 shows one embodiment of an investment quotation window in which the order display module shows only the orders of the transactional remitter to the counterparty of the speculative remitter.
제1국투기적송금자에 대하여 1,000원/달러 환율에서 제2국 송금자의 주문이 시간순서로 거래적송금자 E 10달러, 투기적송금자 F 8달러 , 거래적송금자 G 5달러가 있다고 할 때 총주문량은 23달러이지만, 거래적송금자의 주문량의 합인 15달러만을 도8은 보여주고 있다.  The total order volume for an order of a remitter of a second country at the exchange rate of 1,000 won / dollar for a speculative remitter of a first country, in a chronological order, with a remitter E $ 10, a speculative remitter F $ 8, and a transaction remitter G $ 5 Is $ 23, but Figure 8 shows only $ 15, which is the sum of the orders placed by the trade sender.
이제 투기적송금자가 1,000원/달러 환율에서 12,000원으로 12달러를 매수할 때 투기적송금자의 12,000원은 거래적송금자 E의 10달러와 거래적송금자 G의 2달러와 교환된다.(투기적송금자 F는 거래에서 제외)  Now, when a speculative sender buys $ 12 from the exchange rate of $ 1,000 / dollar, the speculative sender's $ 12,000 is exchanged for $ 10 for transaction sender E and $ 2 for transaction sender G. Excluded from the transaction)
유동성공금방법 내지 투기적송금자가 참가하는 경우에 있어서In the case of liquidity fund method or speculative remitter participation
주문·디스플레이모듈은 투자호가창부를 포함할 수 있다.The order display module may include an investment quotation window.
투자호가창부는 투기적송금자의 단말기에 거래상대방으로 거래적송금자의 주문만을 디스플레이할 수 있는 선택을 단말기에 제시할 있고, 투기적송금자가 이를 선택할 경우 거래적송금자의 주문만을 디스플레이 할 수 있다. 이때 송금준비모듈은 투기적송금자가 선택하는 경우 투기적송금자는 거래적송금자와만 거래가 이루어지도록 제한할 수 있다.The investment quotation window may present a selection on the terminal to display only the order of the transaction remitter as a counterparty to the terminal of the speculative remitter, and may display only the orders of the transaction remitter when the speculative remitter selects it. In this case, when the speculative remitter selects the remittance preparation module, the speculative remitter may restrict the transaction to be performed only with the transaction remitter.
이와 같이,like this,
투기적송금자의 제1국통화에 대한 권리를 나타내는 제1국통화계정과The first national currency account representing the rights of the speculative sender to the first national currency;
제2국통화에 대한 권리를 나타내는 제2국통화계정에 대한 정보를 포함하는 국제계좌를 생성하고 이를 상기 투기적송금자에게 디스플레이하는 국제계좌모듈;을 포함하고,And an international account module for generating an international account including information on a second national currency account representing a right to a second national currency and displaying it to the speculative remitter.
주문·디스플레이모듈은 Order display module
‘주문액’, ‘거래에 적용되기를 원하는 환율’ 을 정하여 투기적송금자가 낸 주문을 인식하고, Recognize orders made by speculative remitters by determining the "Order Amount" and the "Exchange Rates you want to apply to the transaction."
송금준비모듈은Remittance preparation module
투기적송금자가 제1국투기적송금자가 될 때에는 투기적송금자의 제2국통화계정이,When the speculative sender becomes the first national speculative sender, the second national currency account of the speculative sender shall be
투기적송금자가 제2국투기적송금자가 될 때에 투기적송금자의 제1국통화계정이,When the speculative remitter becomes the second national speculative remitter,
거래적송금자에 있어 송금 받을 사람에 대한 식별정보 역할을 하게 하는 것을To serve as an identifying information for the sender of the transaction.
특징으로 하는 시스템을 만들 수 있다.You can build a system that features
나아가,Furthermore,
주문·디스플레이모듈은Order display module
투기적송금자에게 선택을 제시하고, 이를 선택하는 경우Presenting a choice to the speculative sender and selecting it
거래상대방으로 거래적송금자의 주문정보만을 포함하는 호가창을 디스플레이하고,Display a quotation window containing only the order information of the transaction remitter to the counterparty,
상기 송금준비모듈은 The remittance preparation module
투기적송금자가 선택하는 경우 거래적송금자와만 거래할 수 있게 하는 것을If a speculative sender chooses to do so,
특징으로 하는 시스템도 만들 수 있다.You can also make a system that features it.
즉, 투기적송금자의 거래 참여를 허용하고, 투기적송금자의 제1국통화와 제2국통화에 대한 권리를 나타내는 국제계좌를 포함하고, 투기적송금자의 국제계좌 각 통화계정이 거래적송금자에 있어 송금 받을 사람에 대한 식별정보 역할을 하게 하여, 거래소에 유동성을 공급하는 방법을 만들 수 있다.  That is, allowing the speculative sender to participate in the transaction, including an international account indicating the rights of the speculative sender to the first national currency and the second national currency, and each currency account of the speculative sender's international account to the transaction remitter. It can serve as an identifying information about the recipient of the remittance, thereby creating a way to provide liquidity to the exchange.
아울러, 투기적송금자에게는 거래 상대방으로 거래적송금자의 주문만 포함하는 호가창을 디스플레이하는 기능을 포함하는 주문·디스플레이모듈과, 투기적송금자의 거래상대는 거래적송금자로 제한하는 기능을 포함하는 송금준비모듈을 통해 유동성 공급방법을 더욱 효과적으로 만들 수도 있다.  In addition, a speculative remitter, the order and display module including a function for displaying a quotation window containing only the order of the transaction remitter to the other party to the counterparty, and remittance including a function to limit the trading partner of the speculative remitter to the transaction remitter Preparation modules can also be used to make liquidity delivery more efficient.
실시예에 따른 시스템 및 방법은 다양한 프로그램 명령 형태로 구현되어 컴퓨터 판독 가능 매체에 기록될 수 있고, 또 서버 등 전자매체에 의해 수행될 수 있다. 컴퓨터 판독 가능 매체로는 하드 디스크, 자기 매체(magnetic media), 광기록 매체(magneto-optical media), 및 롬(ROM), 램(RAM), 플레시메모리(flash memory) 등이 있다.  The system and method according to the embodiment may be implemented in various program command forms, recorded on a computer readable medium, and executed by an electronic medium such as a server. Computer-readable media include hard disks, magnetic media, magneto-optical media, ROM, RAM, flash memory, and the like.
또한, 상기 컴퓨터 판독 가능 매체는 프로그램 명령, 데이터 파일, 데이터 구조 등을 포함할 수 있다. 프로그램 명령은 실시예를 위하여 특별히 구성되어 진 것이거나, 공지되어 사용 가능한 것일 수 있다. 프로그램 명령의 예로는 기계어 코드뿐만 아니라 인터프리터 등을 사용해서 실행될 수 있는 고급 언어 코드를 포함할 수 있다. 하드웨어 장치는 실시예의 동작을 수행하기 위해 하나 이상의 소프트웨어 모듈로서 작동하도록 구성될 수도 있다.  In addition, the computer readable medium may include program instructions, data files, data structures, and the like. Program instructions may be specially configured for the embodiments, or may be known and available. Examples of program instructions may include high-level language code that can be executed using an interpreter as well as machine code. The hardware device may be configured to operate as one or more software modules to perform the operations of the embodiments.
이상, 바람직한 실시예를 통하여 본 발명에 관하여 상세히 설명하였으나, 해당 기술분야에서 통상의 지식을 가진 자라면 본 발명의 기술적 사상을 벗어나지 않는 범위 내에서 다양한 수정 및 변형이 가능하다. 가령, 실시예와 다른 순서로 수행하거나, 구성요소들을 다른 형태로 결합 또는 조합하거나, 다른 구성요소 내지 균등물에 의하여 치환되더라도 적절한 결과가 달성될 수 있다.   As mentioned above, the present invention has been described in detail through preferred embodiments, but various modifications and changes can be made by those skilled in the art without departing from the spirit of the present invention. For example, appropriate results can be achieved by performing the procedures in a different order from the embodiments, by combining or combining the components in different forms, or by substituting other components to equivalents.
따라서, 본 발명의 보호범위는 후술하는 청구범위의 해석에 의하여야 하며, 청구범위와 동등한 범위 또는 균등한 것들도 본 발명의 권리 범위에 포함된다.    Therefore, the protection scope of the present invention should be based on the interpretation of the following claims, and the scope or equivalents of the claims are included in the scope of the present invention.

Claims (3)

  1. 인터넷과 같은 전기통신 네트워크상의 환전·송금 시스템에 있어서, In a money exchange and remittance system on a telecommunication network such as the Internet,
    퍼스널컴퓨터(PC), 모바일폰과 같은 전기통신단말기를 통해,Through telecommunication terminals such as personal computers (PCs) and mobile phones,
    제1국송금자(단수 또는 복수)가 상기시스템의 제1국통화계좌에 입금한 입금정보와,Deposit information deposited by the first national remitter (single or plural) into the first national currency account of the system;
    제2국송금자(단수 또는 복수)가 상기시스템의 제2국통화계좌에 입금한 입금정보를Deposit information deposited by a second national remitter (single or plural) into the second national currency account of the system
    인식하는 입금모듈;Recognizing deposit module;
    ‘식별정보(identification information)’,‘송금액’,‘송금에 적용되기를 원하는 환율’ 을 정하여 송금자가 낸 환전·송금주문을 인식하고,Recognize currency exchange and remittance orders issued by the remitter by specifying 'identification information', 'remittance amount', and 'exchange rate you want to apply to remittance'.
    송금에 적용되기를 원하는 환율에 따라 송금자의 주문을 디스플레이하되,Display the sender's order at the exchange rate you want to apply to the transfer,
    환율과 그 환율에 주문되어진 송금액의 합계인 주문금액 정보를 포함하는 호가창(bid-ask quote)을 디스플레이하여, 누구의 주문이 먼저 송금될 것인가에 대해 송금자들이 서로 경쟁할 수 있게 하는 주문·디스플레이모듈;Displays a bid-ask quote that contains information about the exchange rate and the order amount, which is the sum of the amounts sent at that exchange rate, allowing the senders to compete with each other for whose orders will be remitted first. Display module;
    동일한 환율을 제시한 제1국송금자와 제2국송금자를 주문시간 순서로 매칭(matching)시켜 송금하고자 하는 금원을 교환하는 송금준비모듈을 포함하고,And a remittance preparation module for exchanging funds to be remitted by matching the first and second remitters with the same exchange rate in order of time;
    상기 송금준비모듈은 송금하고자 하는 금원이 교환될 때, The remittance preparation module, when the money source to be remitted is exchanged,
    제1국송금자가 지정한 식별정보는 교환되는 제2국통화가 송금되어야 할 곳으로 Identification information designated by the first country remitter shall be sent to the place where the second country currency to be exchanged should be remitted.
    제2국송금자가 지정한 식별정보는 교환되는 제1국통화가 송금되어야 할 곳으로 Identification information designated by the second remitter shall be sent to the place where the first national currency to be exchanged should be remitted.
    각 기록되어,Each one is recorded,
    제1국통화계좌 및 제2국통화계좌의 금원을 송금 받을 사람의 식별정보에 따라 정리하면If the funds of the 1st and 2nd currency accounts are arranged according to the identification information of the recipient,
    제1국통화계좌에서 제2국송금자의 송금을 Remittance of the second country remitter from the first country currency account
    제2국통화계좌에서 제1국송금자의 송금을Remittance of the first country remitter from the second country currency account
    각 식별정보에 따라 송금할 수 있는 상태를 완성하여,Complete the status of remittance according to each identification information,
    실제 외화 이전 없이 환전·송금하는 것을 가능하게 하는 것을To make it possible to exchange money and transfer money without actually transferring foreign currency.
    특징으로 하는 환전·송금 시스템Currency exchange, money transfer system characterized by
  2. 제1항에 있어서, The method of claim 1,
    투기적송금자의 제1국통화에 대한 권리를 나타내는 제1국통화계정과The first national currency account representing the rights of the speculative sender to the first national currency;
    제2국통화에 대한 권리를 나타내는 제2국통화계정에 대한 정보를 포함하는 국제계좌를 생성하고 이를 상기 투기적송금자에게 디스플레이하는 국제계좌모듈;을 포함하고,And an international account module for generating an international account including information on a second national currency account representing a right to a second national currency and displaying it to the speculative remitter.
    상기 주문·디스플레이모듈은The order display module
    ‘주문액’, ‘거래에 적용되기를 원하는 환율’ 을 정하여 투기적송금자가 낸 주문을 인식하고, Recognize orders made by speculative remitters by determining the "Order Amount" and the "Exchange Rates you want to apply to the transaction."
    상기 송금준비모듈은The remittance preparation module
    투기적송금자가 제1국투기적송금자가 될 때에는 투기적송금자의 제2국통화계정이,When the speculative sender becomes the first national speculative sender, the second national currency account of the speculative sender shall be
    투기적송금자가 제2국투기적송금자가 될 때에는 투기적송금자의 제1국통화계정이,When a speculative sender becomes a second speculative remitter, the first national currency account of the speculative remitter shall be
    거래적송금자에 있어서 송금 받을 사람에 대한 식별정보 역할을 하게 하는 것을To serve as an identifying information for the recipient of the transaction.
    특징으로 하는 환전·송금 시스템Currency exchange, money transfer system characterized by
  3. 제2항에 있어서,The method of claim 2,
    상기 주문·디스플레이모듈은The order display module
    투기적송금자에게 선택을 제시하고, 이를 선택하는 경우Presenting a choice to the speculative sender and selecting it
    거래상대방으로 거래적송금자의 주문만을 포함하는 호가창을 디스플레이하고,Display a quote window containing only the orders of the trade sender to the counterparty,
    상기 송금준비모듈은 The remittance preparation module
    투기적송금자가 선택하는 경우 거래적송금자와만 거래할 수 있게 하는 것을If a speculative sender chooses to do so,
    특징으로 하는 환전·송금 시스템Currency exchange, money transfer system characterized by
PCT/KR2018/006332 2017-06-04 2018-06-03 International remittance exchange WO2018225995A1 (en)

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Publication number Priority date Publication date Assignee Title
KR20010110071A (en) * 2000-06-03 2001-12-12 최세웅 Method to provide service of mediating foreign exchange by Internet
KR101729678B1 (en) * 2016-03-25 2017-04-25 주식회사 스트리미 Method and server for exchanging or remitting currency

Patent Citations (2)

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Publication number Priority date Publication date Assignee Title
KR20010110071A (en) * 2000-06-03 2001-12-12 최세웅 Method to provide service of mediating foreign exchange by Internet
KR101729678B1 (en) * 2016-03-25 2017-04-25 주식회사 스트리미 Method and server for exchanging or remitting currency

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"Releasing TRANSFER, Do Not Worry about International Remittance Fee", NAVER NEWS, NEWS1, 16 January 2015 (2015-01-16), pages 1 - 2, Retrieved from the Internet <URL:http://news.naver.com/main/read.nlin?mode=LSD&mid:=sec&sidl=101&oid=421&aid=0001220186> *
"Tistory Blog Sluggish Story, Tistory Google AdSense", STANDARD CHARTERED BANK KOREA FOREIGN CURRENCY EXCHANGE, 25 January 2017 (2017-01-25), pages 1 - 5, Retrieved from the Internet <URL:http://waystation.tistory.com./173> *
JOSEILBO: "Finance. Tax Complete Understanding] Financial Product and Tax? What is KONEX Market?", NAVER NEWS, vol. 20, no. 16, 12 December 2016 (2016-12-12), pages 1 - 12, Retrieved from the Internet <URL:http://news.naver.com/main/read.nhn?mode=LSD&mid=sec&sidl=101&oid=123&aid=0002148738> *

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