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WO2018097513A1 - Système permettant de fournir un service d'échange de devises à l'aide d'un système de mappage d'identification de dépôt - Google Patents

Système permettant de fournir un service d'échange de devises à l'aide d'un système de mappage d'identification de dépôt Download PDF

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Publication number
WO2018097513A1
WO2018097513A1 PCT/KR2017/012585 KR2017012585W WO2018097513A1 WO 2018097513 A1 WO2018097513 A1 WO 2018097513A1 KR 2017012585 W KR2017012585 W KR 2017012585W WO 2018097513 A1 WO2018097513 A1 WO 2018097513A1
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WO
WIPO (PCT)
Prior art keywords
information
exchange
currency
unit
amount
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2017/012585
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English (en)
Korean (ko)
Inventor
윤형운
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Cashmallow Co Ltd
Original Assignee
Cashmallow Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Cashmallow Co Ltd filed Critical Cashmallow Co Ltd
Priority to CN201780072764.3A priority Critical patent/CN109983497A/zh
Publication of WO2018097513A1 publication Critical patent/WO2018097513A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06037—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking multi-dimensional coding
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0259—Targeted advertisements based on store location
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/14—Travel agencies
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

Definitions

  • the present invention relates to a currency exchange service providing system using a depositor discrimination mapping system. More specifically, it provides a mapping system for matching and identifying the depositors by the amount of money when applying for exchange, and is a service that allows foreign travelers to withdraw money incurred by the merchants located nearby in real time. It is about the system.
  • the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.).
  • the currency exchange procedure it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.
  • the customer has to be inconvenient to visit the corresponding point in order to receive the money exchange request and / or money exchange request amount. And, if the exchange window is complicated, the customer had to take more time damages.
  • the server for withdrawal from the exchange request user wireless terminal to withdraw the predetermined amount of exchange request information, including information on the currency type and the exchange request amount information and the amount of money corresponding to the exchange request.
  • Receiving account (or card) information In connection with the financial server (or terminal) corresponding to the received account (or card) information at the server, it is determined whether the amount of money corresponding to the exchange request can be withdrawn from the account (or card), and the account (or card) If it is possible to withdraw the amount corresponding to the exchange request from the exchange, performing a currency exchange process corresponding to the exchange request; And converting, in the server, the exchange processing details of the exchange processing processed by the wireless terminal or the wireless terminal user information or the account (or card) information into a predetermined storage medium.
  • a treatment method has been published.
  • the present invention has been made by the above-described background art, and provides a mapping system that distinguishes a depositor by matching an amount or unique code information when applying for exchange, and provides foreign merchants with nearby merchants.
  • the purpose of the present invention is to provide a currency exchange service providing system using a mapping system that enables the withdrawal and settlement of money made through currency exchange in real time.
  • a mobile terminal provided by a user including a person preparing to travel abroad, or a person traveling abroad; Member subscription unit for providing the subscription guide information for the user and the subscription guide information for the merchant; Set the user's local currency unit and the currency unit of the country to be traveled, generate and send exchange request information on the currency exchange amount of the currency unit of the country to be traveled, and correspond to the information on the currency exchange amount and the currency exchange amount A currency exchange request unit displaying unique code information; The electronic money corresponding to the exchange amount is carried in accordance with the exchange information on the exchange request information transmitted from the exchange request unit, the deposit amount deposited by the user, or whether the user's unique code information is issued for the deposit amount.
  • An exchange system provided to a terminal and interworking with a depositor discrimination mapping system according to whether the total cost information for a plurality of users or the unique code information is the same;
  • a depositor discrimination mapping system that generates the deposit amount information or the unique code information of the user in association with the exchange system and transmits the generated amount information or the unique code information of the user to the exchange system and distinguishes users based on the deposit amount information and the unique code information;
  • a withdrawal and payment request unit for providing location information of a merchant located in a location adjacent to a city user and amount information on remaining withdrawable amounts except for the withdrawal amount;
  • An information providing unit that provides location information of the affiliated store capable of real-time withdrawal and settlement, withdrawable amount information of the affiliated store, and performs exchange and withdrawal evaluation;
  • a database storing data provided from the currency exchange system
  • the currency exchange request unit sets a currency unit for the user's country and a currency unit for the country to be traveled, and the local currency to be deposited by the user in response to the exchange request information.
  • the exchange system provides bank fee information on the exchange amount included in the exchange request information and fee information generated when using the exchange service providing system, and compares the respective fee information.
  • a fee comparison unit providing fee difference information;
  • An exchange rate calculation unit for providing information on the total costs incurred when exchanging money using the bank and the exchange service providing system based on the fee information calculated through the fee comparison unit;
  • the exchange system distinguishes the depositor to identify the depositor who deposits the deposit amount when the amount of the total cost for the local currency is different but the countries to be traveled are the same. It is characterized by interworking with the system.
  • the depositor distinguished mapping system interlocks with the currency exchange system and the portable terminal, respectively, and the total amount of the total cost for the local currency to be deposited by the plurality of users provided by the currency exchange system and the total amount.
  • Unique code information about the amount of money received is generated, and the total amount of money and the unique code information are matched with a CSV file to distinguish users.
  • the withdrawal and payment request unit is configured to enable the withdrawal reservation for withdrawal request, the information on the amount to be withdrawn at the same time the user designates the location of the merchant to withdraw when the withdrawal reservation It is characterized in that for generating the withdrawal QR code included.
  • the withdrawal and payment request unit generates a QR code for the withdrawal or payment request information, and provides the location information of the merchant located near the user when the QR code is generated, withdraw It provides a price information on the remaining withdrawable amount except the amount.
  • the affiliated store management system may provide information on a withdrawable amount of a corresponding affiliated store, and set or change a withdrawable amount setting amount of the withdrawable amount;
  • An affiliated store display unit displaying withdrawal request information provided from the withdrawal and settlement request unit;
  • a scanning unit scanning a QR code output to the mobile terminal; Compare the withdrawal or payment request information provided from the scanning unit with the withdrawal or payment request information displayed on the merchant display unit to read the same or not, and provide the withdrawal amount requested according to the same or approve the payment request. It characterized in that it comprises a management control unit.
  • foreign travelers can withdraw regardless of time and place even while traveling abroad, and real-time payment is possible within the affiliated store, thereby making it possible to enjoy a more convenient and comfortable trip.
  • FIG. 1 is a block diagram schematically showing a system for providing a currency exchange service using a depositor discrimination mapping system according to an embodiment of the present invention
  • FIG. 2 is a block diagram schematically showing a currency exchange system according to an embodiment of the present invention.
  • FIG. 3 is a block diagram schematically showing a depositor discrimination mapping system according to an embodiment of the present invention.
  • FIG. 4 is a configuration block diagram schematically showing an affiliated store management system according to an embodiment of the present invention.
  • 5 to 20 are exemplary views showing screen information implemented by a currency exchange service providing system using a depositor discrimination mapping system according to an embodiment of the present invention.
  • a mobile terminal provided by a user including a person preparing to travel abroad or a person traveling abroad;
  • Member subscription unit for providing the subscription guide information for the user and the subscription guide information for the merchant
  • the electronic money corresponding to the exchange amount is carried in accordance with the exchange information on the exchange request information transmitted from the exchange request unit, the deposit amount deposited by the user, or whether the user's unique code information is issued for the deposit amount.
  • a depositor discrimination mapping system that generates the deposit amount information or the unique code information of the user in association with the exchange system and transmits the generated amount information or the unique code information of the user to the exchange system and distinguishes users based on the deposit amount information and the unique code information;
  • a withdrawal and payment request unit for providing location information of a merchant located in a location adjacent to a city user and amount information on remaining withdrawable amounts except for the withdrawal amount;
  • An information providing unit that provides location information of the affiliated store capable of real-time withdrawal and settlement, withdrawable amount information of the affiliated store, and performs exchange and withdrawal evaluation;
  • a database storing data provided from the currency exchange system and the depositor discrimination mapping system
  • the merchant management system that provides a travel station currency corresponding to the withdrawal amount requested after the user authentication, or performs payment approval; characterized in that it comprises a.
  • the exchange service providing system 100 of the present invention may be an application installed in the mobile terminal 10, such as a smartphone, a tablet PC provided by the user, those who are preparing to travel abroad, or overseas If the user including the person who is traveling to provide a currency exchange system 160 to exchange the amount of money corresponding to the country to travel abroad through the mobile terminal 10 capable of wireless communication, and if local currency is required during the overseas travel, Through the affiliated store management system 180, real-time withdrawal, or to provide a service that can be directly paid at the merchant.
  • the exchange service providing system 100 of the present invention when a request for exchange of money for the same amount is requested from a plurality of users, the amount of money information to be issued to the plurality of users, or unique code information and actual deposit It is to provide a service system capable of exchange, withdrawal and real-time payment through a lower fee by providing a depositor discrimination mapping system 170 to distinguish a plurality of users by matching the CSV file for the amount of money.
  • Such a currency exchange service providing system 100 of the present invention is a member subscription unit 110, currency exchange request unit 120, withdrawal and payment request unit 130, information provider 140, database 150, currency exchange system 160, the depositor discrimination mapping system 170, and the merchant management system 180 are configured.
  • Member registration unit 110 is a member of the user and merchant owners to use the exchange service providing system 100 through the mobile terminal 10 is made, as shown in Figure 5, the user registration guide information and merchants for the user Provide subscription information for each.
  • Member registration unit 110 is a user (traveler), or when the membership registration of the merchant is completed, transmits the information about this to the database unit 150, and stores the login information for using the currency exchange service providing system 100 Will be provided.
  • the member registration unit 110 is a mobile terminal 10 in which a user is registered through user registration guide information for a user. The main information for the user to be displayed is displayed.
  • the member subscription unit 110 may withdraw the balance information, withdrawal and payment through the affiliated store terminal interworking with the affiliated store management system 180. It is configured to display the main information for the merchant providing the progress information such as application, completion and cancellation for.
  • the exchange request unit 120 generates exchange request information for exchange of money in a currency unit for users who have logged in, and transmits the generated exchange request information to the exchange service 160. As shown in Fig. 8, it is configured to allow the user to set a monetary unit (hereinafter referred to as his / her currency) for his / her own country and a currency unit (hereinafter referred to as travel station currency) for the country to be traveled.
  • his / her currency a monetary unit
  • travel station currency a currency unit for the country to be traveled.
  • the currency unit for the country is set to Korean Won (KRW), and if the country to travel to is Hong Kong, the currency unit for Hong Kong Dollar (HKD) is set.
  • Korean Won Korean Won
  • HWL Hong Kong Dollar
  • the exchange request unit 120 is provided with a currency exchange amount input interface for inputting an amount of money for the travel station currency to be exchanged, and if the currency exchange amount of the travel station currency to be exchanged is input through the currency exchange rate input interface, Provides information on the amount of local currency to be deposited, corresponding to the exchange amount for the currency.
  • the exchange request unit 120 of the present invention exchanges information about a country to which the user will travel, information about a currency unit of the corresponding country, and information about a currency exchange amount of a travel station currency to be exchanged.
  • the exchange request unit 120 needs to deposit money in connection with the exchange service 160 to be described later.
  • KRW 1,444,797
  • the exchange request unit 120 of the present invention when the screen information of the exchange request unit 120 is provided through the mobile terminal 10, the balance so that the user can check the deposit balance information of the local currency previously deposited
  • the confirmation unit before depositing the amount of the local currency provided by the currency exchange request unit 120 is configured to grasp information about the cost to be actually deposited.
  • the exchange request unit 120 receives and displays the amount information on the fee difference from the fee comparison unit 220 of the exchange system 160 to be described later.
  • the exchange request unit 120 may be configured to provide a currency request history providing unit so that the user can provide a list of the exchange request details of the exchange request.
  • the exchange request history providing unit displays the details according to the exchange request of the user as a numerical value, and if the touched portion, the time information when the exchange request, the local currency for the exchange amount and the information about the travel bureau currency It is configured to be.
  • the exchange system 160 of the present invention when the exchange request information is transmitted in conjunction with the exchange request unit 120, by sending a guide message for this to the exchange request unit 120, the exchange request history is updated At the same time, it generates currency exchange data including fee information generated during exchange and provides it to the mobile terminal 10, and issues electronic money corresponding to the travel station currency according to the exchange.
  • the exchange system 160 includes an exchange interface unit 210, a fee comparison unit 220, a currency exchange unit calculation unit 230, a currency exchange information providing unit 240 and a currency exchange control unit 250.
  • the exchange interface unit 210 is configured as an input module so that users can use the currency exchange system 160 to further exchange money with respect to the amount of money exchanged in the travel station currency, modify, delete, and add additional currency data.
  • the fee comparison unit 220 based on the exchange request information transmitted through the exchange request unit 120, the bank fee generated when the exchange through the bank and the exchange service providing system of the present invention ( Provide fee information that occurs when you exchange money using 100).
  • the fee comparison unit 220 compares the bank fee with the fee information of the present invention, and provides the money exchange request unit 120 with the amount of information on the fee difference generated thereby, thereby reducing the efficiency of the fee generated during the exchange. It is configured to allow the user to check.
  • the exchange amount calculation unit 230 exchanges the total cost incurred when the currency is exchanged through the bank based on the fee comparison information calculated by the fee comparison unit 220 and the currency exchange service providing system 100 according to the present invention. It is configured to calculate the total cost that occurs when, and can be provided through the portable terminal 10, the respective cost information calculated.
  • the exchange information providing unit 240 provides information on the total cost of the local currency generated during the exchange and information on the exchanged amount of the travel currency generated after the exchange. It is to provide currency exchange information including account information, depositor information, etc. to deposit the total cost for the bank.
  • the exchange information providing unit 240 transmits information on the application of the exchange and the progress of the process of completing the exchange to the mobile terminal 10 so that real-time display is performed.
  • the exchange information providing unit 240 may provide information of a withdrawable amount for the exchange amount, and may be configured in the form of a general mobile app electronic wallet, and withdraw and pay. When touching the withdrawable amount in conjunction with the request unit 130, the withdrawal and payment request unit 130 may be driven under the control of the currency exchange control unit 250.
  • the currency exchange control unit 250 controls each component of the currency exchange system 160, and exchanges data including exchange request information, cost information, and exchange information in conjunction with the exchange request unit 120 and the mobile terminal 10. Send it.
  • the currency exchange control unit 250 transmits it to the user distinguishing unit 330 configured in the depositor discrimination mapping system 170, so that the unique code information of the user who requested the currency exchange
  • the generation request and the generated unique code information are received and displayed, and at the same time, they are transmitted to the mobile terminal 10 to be displayed through the exchange request unit 120.
  • the exchange control unit 250 of the present invention if the signal for the exchange request is transmitted through the mobile terminal 10, checks whether the total cost for the local currency is deposited, and if the deposit is confirmed, The control is made so that a corresponding electronic money can be generated and provided through the exchange information providing unit 240.
  • the exchange system 160 of the present invention configured as described above is configured to transmit and store the exchange data to the database 150 when the generation of the exchange data is completed, and to provide the exchange data when the user requests it. can do.
  • the exchange control unit 250 of the present invention provides the total cost information for the local currency generated during the exchange through the exchange information providing unit 240, in order to distinguish between the plurality of users, the mapping system for distinguishing depositors In connection with 170, the total cost information for the local currency provided through the depositor distinct mapping system 170 is provided.
  • a depositor distinct mapping system 170 is configured that saves a separate fee for distinguishing multiple users.
  • the depositor discrimination mapping system 170 sets the deposit amount of the total cost for the local currency to be deposited by the plurality of users differently, generates information on the deposit amount of the set total cost as a CSV file, and deposits the deposits by the plurality of users. By matching the deposit amount with the CSV file, users are distinguished based on the deposit amount information that the users deposit.
  • the depositor discrimination mapping system 170 may provide information about the total amount of money provided by the user A and the user B, which will travel to different countries, through the exchange rate calculation unit 230 of the currency exchange system 160.
  • KRW 1,459,244
  • user A repurchases 1,459,244 (KRW) as the total amount of money and transfers it to user A's mobile terminal 10 through currency exchange information providing unit 240 and user B to 1,459,246 (KRW).
  • KRW 1,459,244
  • KRW 1,459,244
  • the information on the total amount of the reclaimed wealth is generated as a CSV file.
  • the depositor discrimination mapping system 170 of the present invention distinguishes a plurality of users based on code information by assigning unique code information to users who have requested a currency exchange in order to distinguish a plurality of users.
  • the unique code information may be made of a virtual number of 6 digits, but is not limited thereto, and may be configured in a form in which numbers and letters are mixed.
  • the depositor distinguishing mapping system 170 of the present invention includes a deposit information providing unit 310, a deposit checking unit 320, a user discriminating unit 330, a deposit alarm unit 340, and a mapping controller 350. It is composed.
  • the deposit information providing unit 310 interlocks with the exchange information providing unit 240 to re-define the deposit amount of users having the same amount of money among a plurality of users, and converts the deposit amount information on the total cost of the exchange into the exchange information providing unit 240. Is a component that sends CSV and generates CSV file for it.
  • the deposit information providing unit 310 sets a lower limit and an upper limit of the deposit amount for the total costs provided to a plurality of users, and if it exceeds, transmits the information to the currency exchange control unit 250 to the deposit amount You can request to change the account information to deposit.
  • the lower limit is -100 (KRW) (1,459,145 (KRW)) and the upper limit is +100 (KRW) from the standard deposit amount (for example, 1,459,245 (KRW)). Only up to (1,459,345 (KRW)) can be adjusted.
  • the exceeding 201th user is provided to change the account information to be deposited.
  • the deposit information providing unit 310 may provide a guide message indicating that the deposit information is changed by the depositor discrimination mapping system 170. Can be.
  • the deposit confirmation unit 320 checks whether the deposit is made with the account information provided through the exchange information providing unit 240, and when the deposit is confirmed, it is distinguished through the user discriminating unit 330. When the discrimination is completed from the user discriminating unit 330, information about the same is transmitted to the exchange control unit 250 so as to exchange money.
  • the deposit request guide message is sent through the deposit alarm unit 340.
  • the deposit confirmation unit 320 is transmitted to the exchange information providing unit 240 information on the deposit amount of the total cost re-determined through the deposit information providing unit 310, it is confirmed whether or not the deposit every predetermined time desirable.
  • the user discriminating unit 330 When the unique distinguishing code information generation request signal according to the exchange request signal received from the exchange control unit 250 is transmitted, the user discriminating unit 330 generates unique code information about the same and transmits the generated unique code information to the exchange control unit 250.
  • the unique code information is transmitted to the deposit information providing unit 310 to generate a CSV file with the deposit amount information on the total cost calculated.
  • the user distinguishing unit 330 deposits the same amount by matching the amount information received through the deposit checking unit 320 and the unique code information generated according to the exchange request with the CSV file generated by the deposit information providing unit 310. Distinguishes one depositor, and transmits the information about the depositor to the deposit confirmation unit 320 so that the electronic money is issued by exchange.
  • the user distinguishing unit 330 of the present invention may match the CSV file only through any one of the deposited amount information and the unique code information, but preferably the unique code information corresponding to the deposited amount information. After confirming the unique code information transmitted to the deposit information providing unit 310, it is preferable to match the CSV file only when the respective unique code information is the same.
  • the deposit alarm unit 340 sends a deposit request guide message requesting a deposit to the user's portable terminal 10 when the deposit confirmation unit 320 does not check whether the deposit is made from the user who applied for currency exchange. It plays a role.
  • the mapping control unit 350 controls driving of the depositor discrimination mapping system 170, and interlocks with the exchange control unit 250 of the currency exchange system 160 to drive the depositor discrimination mapping system 170 according to whether the same depositor is generated.
  • the controlling component controls driving of the depositor discrimination mapping system 170, and interlocks with the exchange control unit 250 of the currency exchange system 160 to drive the depositor discrimination mapping system 170 according to whether the same depositor is generated.
  • the mapping control unit 350 may include a CSV file generated through the deposit information providing unit 310, data about the deposit information including the deposit amount and the deposit time confirmed through the deposit checking unit 320, and the exchange request.
  • the unique code information generated according to the transmission may be transmitted to the database unit 150 to be stored, and may be controlled to provide information on a corresponding deposit details at the user's request.
  • the exchange service providing system 100 of the present invention generates a withdrawal request signal and withdrawal information so that real-time withdrawal of the travel station currency exchange is made, so that payment can be made in real time without a separate authentication process when purchasing goods in the merchant It is configured, the withdrawal and payment request unit 130 is displayed through the main information for the user is configured.
  • the withdrawal and payment request unit 130 provides a withdrawal amount interface for inputting an withdrawal amount, a current location of the user, and map information and affiliated store location information around the user. Can be provided together.
  • the withdrawal and payment request unit 130 may provide the location information of the affiliated store in connection with the information providing unit 140, and in particular, may provide only the location information of the affiliated store that enables the withdrawal of the withdrawal amount input by the user. .
  • the withdrawal and payment request unit 130 of the present invention can be provided by arranging the location information of the corresponding merchants in close proximity to the user in order.
  • the withdrawal and payment request unit 130 of the present invention is configured to enable the withdrawal reservation for the withdrawal request, and when the withdrawal reservation, the user can specify the location of the merchant to withdraw and input the withdrawal amount have.
  • the withdrawal and settlement request unit 130 When the withdrawal and settlement request unit 130 completes setting and input of the withdrawal amount through the withdrawal amount interface, the withdrawal and settlement request unit 130 generates withdrawal request information including the user's member information, withdrawal request time and withdrawal amount. 10) to allow the user to check.
  • the withdrawal and payment request unit 130 as shown in Figure 16, it is possible to induce a secure transaction by enabling the address, operating time and evaluation scores evaluated by members to withdraw the withdrawal amount to be withdrawn. .
  • the withdrawal and payment request unit 130 may generate the withdrawal request information in the form of a QR code, as shown in FIG.
  • the withdrawal and payment request unit 130 of the present invention is the location information of the merchant located in the position adjacent to the user when generating the QR code, that is, the location information of the merchant located at the position closest to the user among the merchants that can withdraw the withdrawal amount
  • the withdrawal and payment request unit 130 transmits the withdrawal request information to the affiliated store management system 180, and withdraws the travel station currency through the scan unit 440 of the affiliated store management system 180, which will be described later.
  • the QR code provided through 10) and the withdrawal request information transmitted to the affiliated store management system 180 are preferably configured to read the identity.
  • the withdrawal and payment request unit 130 of the present invention is configured to generate the withdrawal request information for the withdrawal request is completed, and to be stored in the database unit 150, by listing the withdrawal request information at the request of the user It is configured to provide.
  • the withdrawal and payment request unit 130 of the present invention may provide a confirmation message for the final withdrawal amount, and at the same time to inform that a predetermined fee may occur when the withdrawal is made
  • the state may further provide a fee providing guidance message, but is not limited thereto.
  • the withdrawal and payment request unit 130 of the present invention may provide the amount information on the remaining withdrawable amount excluding the withdrawal amount input.
  • the withdrawal and payment request unit 130 of the present invention is configured to make a real-time payment according to the purchase of goods in the merchant using the exchange service providing system 100 of the present invention.
  • the withdrawal and payment request unit 130 provides a payment amount input unit for inputting an amount to be paid, so that real-time payment can be made without a separate authentication process. It is configured to check whether the payment can be provided by providing the information, and when the amount to be paid is input, the QR code for payment is generated for this.
  • the user may maximize the convenience of payment as the QR code is read and the payment is completed by presenting the QR code generated at the time of payment of the goods purchased at the visited merchant.
  • the withdrawal and payment request unit 130 of the present invention may be configured to generate a QR code for payment according to whether or not to enter the amount to pay, but is not limited to this, barcode reading for reading the barcode information of the goods to be purchased It is also possible to further configure the wealth to automatically generate a QR code for payment based on the price information of the goods.
  • the exchange service providing system 100 of the present invention provides the location information of merchants capable of withdrawal or payment in real time when a withdrawal and payment request is made in the travel station currency through the withdrawal and payment request unit 130 during the trip at the request of the user.
  • An information providing unit 140 including an affiliated store location information providing unit and an affiliated store information providing unit including an affiliated store withdrawal information guide unit which provides withdrawable amount information of the affiliated store are provided.
  • the information providing unit 140 includes a user information providing unit comprising a user withdrawal information guide for providing information on the amount of money that the user can currently withdraw, and a user location guide for providing the user's current location information.
  • the evaluation unit 140 that can perform the evaluation for the merchant after real-time withdrawal of the evaluation and the exchange amount of the exchange service providing system 100 of the present invention at the merchant is configured .
  • the evaluation unit may be configured such that the evaluation is performed using letters such as the number of stars, the satisfaction expressed by the numerical value, the evaluation comment, and the like.
  • the exchange service providing system 100 of the present invention includes a member and merchant information generated during membership registration provided through the member subscription unit 110, and a currency exchange data and a depositor distinct mapping system provided by the exchange system 160 (A database 150 is configured in which deposit information, unique code information, and data on a CSV file are stored.
  • the affiliated store management system 180 authenticates a user when a user who uses the exchange service providing system 100 receives a real-time withdrawal or payment request through the withdrawal and payment request unit 130. After providing the travel station currency corresponding to the requested withdrawal amount, or to make a real-time payment, the withdrawal and payment request unit 130 provided only to the merchant terminal subscriptions made through the member subscription unit 110 Withdrawal or payment request signal is transmitted.
  • the affiliated store management system 180 may be a merchant terminal including a POS terminal located in the affiliated store or a mobile terminal for the affiliated store, the withdrawal amount setting unit 410, the affiliated store display unit 420, and the affiliated interface unit 430. It is configured to include a scan unit 440 and the affiliated DB (450).
  • the affiliated store management system 180 and the exchange service providing system 100 in conjunction with the management control unit 460 is configured to transmit and receive data is configured to include.
  • the withdrawal amount setting unit 410 is a component that provides information on the withdrawable amount of the affiliated store, sets a limit of the withdrawable amount provided, or allows a change to be made.
  • the withdrawal amount setting unit 410 provides the withdrawable amount providing unit for providing the current withdrawable amount of cash information and the withdrawable amount information with one side of the withdrawable amount providing unit. It may be configured as a menu portion for setting.
  • the withdrawal amount setting unit 410 confirms the reliability of the affiliated store by providing information on the total cumulative amount of providing the withdrawal amount to the users to the bottom of the withdrawable amount providing unit so far. could be.
  • the withdrawal amount setting unit 410 transmits the information to the information providing unit 140 through the management control unit 460 to be stored and transmitted to the affiliated DB 450 when the setting of the withdrawable amount is changed. It is preferable that the information on the changed withdrawable amount can be exposed.
  • the merchant display unit 420 is configured to display information on the withdrawal request provided from the withdrawal and payment request unit 130 as shown in the lower portion of FIG.
  • withdrawable balance information is displayed to provide a withdrawal service to the users.
  • the affiliated store display unit 420 may display the withdrawal or payment cancellation information from the withdrawal and payment request unit 130 when it is transmitted, and the withdrawal amount paid to the users (left side of FIG. 20).
  • the merchant can check not only the payment amount information for the withdrawal service but also the information on which the payment has been approved, as well as the withdrawal and payment service.
  • the information on the number of users and the amount and time of withdrawal using the user is configured to be individually confirmed.
  • Merchant interface unit 430 is composed of an input module for inputting data, such as setting the withdrawable amount, changing the merchant information.
  • the scanning unit 440 scans the withdrawal QR code or the QR code for payment, which is output to the user's portable terminal 10, and controls the management. 460 serves to transmit.
  • the affiliate DB 450 stores the withdrawal and payment request information provided from the withdrawal and payment request unit 130, information about the withdrawal amount provided according to the withdrawal and payment request information, and approved payment information, and the management control unit. Information 460 of the user whose authentication failed is stored through 460.
  • the management controller 460 controls driving of the affiliated store management system 180, and the withdrawal or payment request provided from the portable terminal 10 of the user provided from the scan unit 440.
  • the information is read out from the withdrawal and payment request unit 130 and the withdrawal or payment request information displayed on the merchant display unit 420 to read the same or not, and the requested withdrawal amount is provided or the payment is approved according to the same. Let this be done.
  • invention that allows you to enjoy overseas travel at a minimal cost as it is possible to exchange money through a low exchange fee.

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Abstract

L'invention comprend : une unité de demande de change de devises permettant de configurer une unité de devise du pays d'un utilisateur et une unité de devise d'un pays dans lequel l'utilisateur doit se rendre, puis générer et transmettre des informations de demande de change de devises ; un système de change de devises permettant de fournir, à un terminal portable, des informations de change de devises pour les informations de demande de change de devises et de l'argent électronique correspondant à un montant de change de devises ; un système de mappage d'identification de dépôt permettant, en coopération avec le système de change de devises, d'effectuer une identification parmi un certain nombre d'utilisateurs d'après les informations relatives aux montants des dépôts effectués par le nombre d'utilisateurs et les informations de code uniques sur les informations relatives aux montants des dépôts ; une unité de demande de retrait et de paiement permettant d'effectuer un retrait en temps réel et un paiement en temps réel dans la devise du pays de voyage où le change de devises a été effectué ; une unité de fourniture d'informations permettant de fournir des informations de localisation de magasins affiliés capables d'effectuer le retrait en temps réel ; et un système de gestion de magasin affilié permettant de fournir la devise du pays de voyage ou d'approuver le paiement lorsqu'une demande de retrait en temps réel ou une demande de paiement est effectuée.
PCT/KR2017/012585 2016-11-24 2017-11-08 Système permettant de fournir un service d'échange de devises à l'aide d'un système de mappage d'identification de dépôt Ceased WO2018097513A1 (fr)

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CN201780072764.3A CN109983497A (zh) 2016-11-24 2017-11-08 利用存款人识别映射系统的货币兑换服务提供系统

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KR10-2016-0157063 2016-11-24
KR20160157063 2016-11-24
KR10-2017-0097595 2017-08-01
KR1020170097595A KR101864408B1 (ko) 2016-11-24 2017-08-01 입금자 구별 맵핑 시스템을 이용한 환전 서비스 제공 시스템

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KR102551238B1 (ko) * 2019-07-02 2023-07-05 주식회사 우디 온라인 환전 서비스의 제공 방법
WO2021080070A1 (fr) 2019-10-23 2021-04-29 (주)캐시멜로 Procédé et système de service d'échange de devises à l'aide d'un procédé de versement vers l'étranger

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CN109983497A (zh) 2019-07-05
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