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WO2022131458A1 - Procédé de fourniture d'un service de paiement de change automatique - Google Patents

Procédé de fourniture d'un service de paiement de change automatique Download PDF

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Publication number
WO2022131458A1
WO2022131458A1 PCT/KR2021/006772 KR2021006772W WO2022131458A1 WO 2022131458 A1 WO2022131458 A1 WO 2022131458A1 KR 2021006772 W KR2021006772 W KR 2021006772W WO 2022131458 A1 WO2022131458 A1 WO 2022131458A1
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WO
WIPO (PCT)
Prior art keywords
currency
server
account
selling
country
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/KR2021/006772
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English (en)
Korean (ko)
Inventor
서정아
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.)
Switchwon Co Ltd
Original Assignee
Switchwon Co Ltd
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Filing date
Publication date
Application filed by Switchwon Co Ltd filed Critical Switchwon Co Ltd
Publication of WO2022131458A1 publication Critical patent/WO2022131458A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING 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
    • 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
    • G06Q20/30—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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a method of providing an automatic currency exchange payment service, and more particularly, to a method of performing automatic currency exchange execution by a server connected to a communication network and providing an automatic payment service between different currencies.
  • Major domestic banks such as Shinhan, Woori, Hana, etc., usually have to pay an exchange fee of 1.6 ⁇ 2% when buying and selling foreign currency.
  • the bank exchange fee includes various incidental expenses and per-session fees required for the bank to hold the foreign currency.
  • the basic and maximum preferential rates are set, including transactions through mobile apps or the web, and there is a burden on the exchange fee because the preferential rate can be applied only when a certain amount of money is exchanged.
  • the preferential rate means that the bank will give you a preferential treatment fee every time you exchange money. For example, if you receive a 70% preferential exchange rate at the bank, you will receive a 70% discount on the original bank fee.
  • the present invention is to solve the problems of the prior art described above, and provides an exchange transaction that meets the exchange rate conditions and period set by the user, complies with the market trading standard exchange rate, and executes automatic online currency exchange with no exchange fee and automatic won and foreign currency exchange
  • the purpose is to provide payment services.
  • the currency exchange transaction of the present invention does not incur various incidental expenses and fees per transaction required for the bank to hold the corresponding foreign currency.
  • the user can set the exchange rate conditions and the exchange period, and when a requester who meets the conditions is found, the user can exchange money immediately. Through this, it is possible to provide a currency exchange system suitable for the recently emerging trend of non-face-to-face transactions.
  • the server provides a currency exchange interface to a buying customer terminal and a selling customer terminal, and and the step of inputting and transmitting the trading conditions for currency exchange by the buying customer terminal and the selling customer terminal respectively to the server through the server, the trading conditions received by the server from a plurality of the buying customer terminals; and matching currency trading transactions based on the trading conditions received from the selling customer terminal, wherein the server checks the balances of the buyer and seller accounts, and the buyer account in the first national currency and and receiving an amount corresponding to the currency to be exchanged by the account operated by the server from the selling customer account related to the second national currency, and the server is transferred from the account operated by the server to the buying customer account. It may include withdrawing the amount of national currency and withdrawing the amount of the first national currency to the selling customer account.
  • step (a) the buying customer terminal and the selling customer terminal through the exchange interface, buying currency information, selling currency information, buying amount, selling amount, exchange rate conditions, and the exchange period including the exchange period You can enter conditions.
  • step (a) may include linking the buying customer terminal and the selling customer terminal with the buying customer account and the selling customer account.
  • step (a) when the exchange interface includes a selling currency selection area and a buying currency selection area, displaying identification information about a plurality of currencies, and completing the input of trading conditions from the terminal, purchase or A sell request may be transmitted to the server.
  • the selling currency selection area automatically displays identification information about the currency of the user's nationality of the selling customer terminal
  • the buying currency selection area is the currency of a plurality of countries other than the nationality of the user of the selling customer terminal. It may be to automatically display the identification information about the.
  • the identification information on the currency of the country may include a flag of the country and the currency unit of the country.
  • the step (a) includes the step of receiving information about the currency to be bought and the currency to be sold through the exchange interface, wherein the step of receiving information about the currency to be bought and the currency to be sold is a buyer terminal or a seller customer
  • the currency of the country corresponding to the start time of the drag may be designated as the selling currency
  • the currency of the country corresponding to the end time of the drag may be designated as the purchase currency.
  • the server stores the trading conditions for each of the buying customer terminals and the selling customer terminals connected to the currency exchange interface, and is connected to a communication network to include the currency of the nationality to which the buyer terminal belongs and the nationality to which the plurality of seller terminals belong. You can update and save the exchange rate between currencies in real time.
  • step (b) a plurality of selling and buying conditions stored in the server are compared to meet a preset criterion, and the selling customer terminal and the buying customer terminal corresponding to each other can be matched.
  • step (b) allows the server to mutually inquire the trading conditions provided by the selling customer terminal or the buying customer terminal to the server through the exchange interface, and any one of the buying customer terminal and the selling customer terminal When receiving a currency trading transaction request for a specific trading condition from one, matching may be completed.
  • the server may be to operate at least two or more n-th currency main accounts.
  • step (c) the server determines whether the first country currency is more than the selling amount in the buyer account, and determines whether the second country currency is more than the purchase amount in the seller customer account, and the server When the sales amount corresponding to the first country currency of the purchasing customer terminal is deposited into the first country currency main account operated by When the corresponding second country currency is withdrawn, and the purchase amount corresponding to the second country currency of the seller terminal is deposited into the second country currency main account, the first country currency main account operated by the server It may be to withdraw the first country currency corresponding to the exchange amount of the deposited purchase amount.
  • the server transfers the amount corresponding to the trading conditions to the main account of the first country's currency and the main account of the second country's currency. It may be paid to the seller customer account and the buyer customer account through the virtual account in the.
  • step (d) the server converts the amount received in step (d) according to the standard trading standard rate of the corresponding country or the trading standard rate of a specific bank in the country, and the nth country currency main account It may be to pay the buyer customer account and the seller customer account through a virtual account and transmit the trading result to the server.
  • an automatic currency exchange payment service providing server comprising: a memory for storing a program for performing an automatic currency exchange payment service providing method; and a processor, wherein the processor provides a currency exchange interface to the buyer terminal and the seller customer terminal by executing the program, wherein the buyer terminal and the seller customer terminal exchange money through the exchange interface, respectively input trading conditions for , and transmit them to the server, and match the currency trading transaction based on the trading conditions received from the plurality of buying customer terminals by the server and the trading conditions received from the plurality of selling customer terminals, and , the server checks the balances of the buyer's account and the seller's account, and from the buyer's account for the first national currency and the seller's account for the second currency, the account operated by the server is converted into the currency to be exchanged. Receiving the corresponding amount, the server withdraws the amount of the second country currency from the account operated by the server to the buying customer account and withdrawing the amount of the first national currency to the seller customer account Number of days have.
  • users make transactions based on the standard trading standard rate of a corresponding country or the trading standard rate of a specific bank in the corresponding country.
  • General banks provide currency exchange services by attaching their own fees to the trading standard rate. Since transactions between users occur based on the trading standard rate without the bank's fee, it is possible to exchange money without an exchange fee by paying a predetermined platform usage fee.
  • one embodiment of the present invention induces a transaction that meets the conditions between the service operator and the user, and allows the exchange service to be performed according to the standard trading standard rate of the country or the trading standard rate of a specific bank in the country, so that the user can It can make them less affected by exchange rate risk.
  • FIG. 1 is a structural diagram of an automatic currency exchange payment service providing system according to an embodiment of the present invention.
  • FIG. 2 is an exemplary configuration diagram of a server providing an automatic currency exchange payment service according to an embodiment of the present invention.
  • FIG. 3 is an exemplary configuration diagram of an operation between a server, a buying customer terminal, and a selling customer terminal according to an embodiment of the present invention.
  • FIG. 4 is an exemplary configuration diagram regarding the implementation and trading process of the currency exchange interface in the web or app, according to an embodiment of the present invention.
  • 5 is an exemplary diagram of setting a currency exchange settlement period according to an embodiment of the present invention.
  • FIG. 6 is an exemplary diagram of a currency exchange request list and operation buttons according to an embodiment of the present invention.
  • FIG. 7 is a flowchart of a method for providing an automatic currency exchange payment service performed by a server according to an embodiment of the present invention.
  • a "part” includes a unit realized by hardware, a unit realized by software, and a unit realized using both.
  • one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.
  • ' ⁇ unit' is not limited to software or hardware, and ' ⁇ unit' may be configured to be in an addressable storage medium or to reproduce one or more processors. Accordingly, as an example, ' ⁇ ' indicates components such as software components, object-oriented software components, class components, and task components, and processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables.
  • components and ' ⁇ units' may be combined into a smaller number of components and ' ⁇ units' or further separated into additional components and ' ⁇ units'.
  • components and ' ⁇ units' may be implemented to play one or more CPUs in a device or secure multimedia card.
  • the "user terminal” referred to below may be implemented as a computer or portable terminal that can access a server or other terminal through a network.
  • the computer is, for example, a laptop, desktop, laptop, VR HMD (eg, HTC VIVE, Oculus Rift, GearVR, DayDream, PSVR, etc.) equipped with a web browser (WEB Browser), etc.
  • VR HMD is for PC (eg, HTC VIVE, Oculus Rift, FOVE, Deepon, etc.), for mobile (eg, GearVR, DayDream, Storm Horse, Google Cardboard, etc.) Independently implemented Stand Alone models (eg Deepon, PICO, etc.) are included.
  • a portable terminal is, for example, a wireless communication device that guarantees portability and mobility, and includes not only a smart phone, a tablet PC, a wearable device, but also Bluetooth (BLE, Bluetooth Low Energy), NFC, RFID, and ultrasound (Ultrasonic). , infrared, Wi-Fi, Li-Fi, etc. may include various devices equipped with a communication module.
  • the term "network” refers to a connection structure capable of exchanging information between each node, such as terminals and servers, and includes a local area network (LAN), a wide area network (WAN), and the Internet. (WWW: World Wide Web), wired and wireless data networks, telephone networks, wired and wireless television networks, and the like.
  • wireless data communication networks examples include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), Wi-Fi, Bluetooth communication, infrared communication, ultrasound Communication, Visible Light Communication (VLC), LiFi, and the like are included, but are not limited thereto.
  • 3GPP 3rd Generation Partnership Project
  • LTE Long Term Evolution
  • WIMAX World Interoperability for Microwave Access
  • Wi-Fi Bluetooth communication
  • infrared communication ultrasound Communication
  • VLC Visible Light Communication
  • LiFi and the like are included, but are not limited thereto.
  • the server 100 may include a memory in which a payment service providing method program (or application) is stored and a processor executing the program.
  • the processor may perform various functions according to the execution of the program stored in the memory, and detailed components included in the server 100 according to each function may be represented as shown in FIG. 2 .
  • the automatic currency exchange payment service providing method may consist of a buying customer terminal 200 and a selling customer terminal 300 connected to the server 100 and a communication network.
  • the server 100 may provide a currency exchange interface to the buying customer terminal 200 and the selling customer terminal 300 .
  • the server 100 may include a DB, a processor, a memory, and a communication module, and may be connected to a communication network through the communication module.
  • the buying customer terminal 200 and the selling customer terminal 300 may set the trading conditions desired by the customer by using the exchange interface provided from the server 100 , and may transmit this to the server 100 .
  • the trading conditions may include minimum purchase currency information, sale currency information, purchase amount, sale amount, exchange rate conditions, and currency exchange period.
  • the buying customer and the selling customer can exchange the desired currency without a currency exchange fee without directly visiting the bank.
  • the buyers and sellers match each other and feel that they exchanged each other's currency for the same value, but technically, the transaction itself is a transaction between the buyer and the service operator and between the seller and the service operator.
  • the transaction itself is a transaction between the buyer and the service operator and between the seller and the service operator.
  • the subject operating the server 100 may include at least two or more n-th country currency main accounts.
  • the server 100 may be connected to the communication network to update and store the exchange rate in real time between the currency of the nationality to which the buying customer terminal 200 belongs and the currency of the nationality to which the plurality of selling customer terminals 300 belong.
  • the buyer and the seller are temporary distinctions according to an embodiment of the present invention.
  • the selling customer is the buyer of the currency to be paid in the exchange process, and the buyer is also the buyer of the currency to be paid in the exchange process.
  • the buyer terminal 200 wishes to exchange the currency of the first country into the currency of the second country
  • the seller terminal 300 wishes to exchange the currency of the second country into the currency of the first country
  • the buyer may be a seller who sells the first currency
  • the seller may be a seller who buys the currency of the first country.
  • the buying customer terminal 200 transmits the trading conditions to the server 100, and the server 100 updates in real time and according to the stored exchange rate information, the selling customer terminal 300 that meets the trading conditions set by the buying customer. ) can be matched.
  • the server 100 receives the money of the first country from the currency account of the first country of the purchasing customer terminal 200 , and when the deposit is confirmed, the second country currency is traded in the currency account of the second country of the customer terminal 200 . Calculate and remit at the exchange rate that meets the conditions.
  • the second country currency is received from the second country currency account of the selling customer terminal 300, and when the deposit is confirmed, it is updated in real time to the first country currency account of the selling customer terminal 300, as much as it matches the stored exchange rate. remittance of the first country currency of
  • the service operating entity remits the money exchange to the buyer's account and the seller's account, it is paid to the customer's virtual account.
  • the buyer and seller already have a KRW account and a foreign currency account, when they sign up for this service, they fill in their account information.
  • a virtual account based on each KRW account and foreign currency account is created.
  • the service operating entity may remit to the selling customer's virtual account when remittance to the selling customer, and to the buying customer's virtual account when transferring money to the buying customer.
  • each virtual account is linked with the corresponding customer's real bank account (ie, the buyer's account and the seller's account), deposits can be made to the real bank account through the virtual account.
  • the server operating entity only collects monthly operating fees from customers, and does not receive currency exchange fees from customers.
  • the currency exchange interface according to an embodiment of the present invention is provided through the server 100, and users including buyers and sellers can log in and access them.
  • the currency exchange interface may be configured in the form of a predetermined Internet page.
  • the currency exchange interface includes a table of contents including 'Home', 'login/membership', 'my exchange', 'your currency exchange order', 'notices/FAQ' at the top, and , may include a function to set the language of the page in the upper left corner.
  • the selling money area and the buying money area may include a plurality of currency identification information.
  • the currency identification information may include the national flag and currency unit of the country, and may be moved by dragging.
  • the selling money area according to an embodiment of the present invention may be arranged at the bottom of the table of contents to indicate the money owned by the user in the form of money identification information.
  • the purchase money area may be disposed below the sell money area, and the currency to be refunded after paying the currency owned by a plurality of users may be expressed in the form of money identification information.
  • the currency exchange interface in dragging the currency identification information existing in the selling money area or the buying money area, the currency of the country corresponding to the start time of the drag is designated as the selling currency, and the drag It is possible to provide a function to designate the currency of the country corresponding to the end point of the purchase as the purchase currency.
  • the end point of the drag is designated as the end point of the drag. You can designate the currency to be sold and the US dollar as the currency to buy.
  • the foreign currency company currently applying can configure and provide the items of the order.
  • the item may include information about the money to be sold and the money to be bought.
  • the currency exchange interface may configure and provide items for designating exchange rate conditions.
  • the current standard trading standard rate of the corresponding country or the trading standard rate announced at the trading standard rate of a specific bank in the country may be provided, and the user may set the exchange rate for the transaction.
  • the currency exchange interface may provide an item for setting a period together with the phrase "Please set a desired exchange period", and the item may be provided in the form of a calendar and may include a function to operate by dragging.
  • the currency exchange interface may provide 'your currency exchange order item'.
  • 'Your exchange order item' provides a function of inquiring the trading conditions provided to the server 100 to the selling customer terminal 300 or the buying customer terminal 200 through the currency exchange interface, and the buying customer terminal 200 and the selling customer terminal 300 may provide a function of directly selecting a match for a specific trading condition and converting it into the selected trading condition.
  • 'Your currency exchange order' may provide a plurality of buy order information and sell order information set by other users and provided to the server 100, and the buy order information and sell order information includes the currency, period, and trading conditions.
  • the user can directly select the buy order information and the sell order information through the selection button provided in the currency exchange interface, and request a sale from the server 100 .
  • the server 100 receives and stores the trading conditions including currency, amount, exchange rate, and period conditions from the buying customer terminal 200 and the selling customer terminal 300 (S110).
  • the server 100 is a purchasing customer terminal 200 that meets the trading conditions set by the buying customer terminal 200 and the selling customer terminal 300 in consideration of the standard trading standard rate of the country or the trading standard rate of a specific bank in the country. ) and the selling customer terminal 300 are matched. (S120).
  • the server 100 checks whether there is money of the first country as much as the amount to be purchased in the customer account of the purchase (S131). In addition, the server 100, through the selling customer terminal 300, confirms whether the selling customer account has the currency of the second country as much as the amount calculated by the standard trading standard rate of the country or the trading standard rate of a specific bank in the country (S132) .
  • the purchasing customer terminal 200 remits the corresponding amount from the first country currency account of the purchasing customer terminal 200 to the first country currency main account of the server, and the server 100 confirms the deposit (S141).
  • the selling customer terminal 300 remits the corresponding amount from the second country currency account of the selling customer terminal 300 to the second country currency main account of the server, and the server 100 confirms the deposit (S142).
  • the server 100 remits the calculated exchange amount to the currency account of the second country of the purchasing customer terminal 200 and stores the transaction details (S151). In addition, the calculated exchange amount is transferred to the first country currency account of the selling customer terminal 300 and the transaction details are stored (S152).
  • An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module to be executed by a computer.
  • Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

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Abstract

La présente invention concerne un procédé de fourniture d'un service de paiement de change automatique, comprenant les étapes consistant à : (a) fournir, par un serveur, une interface de change à un terminal client acheteur et un terminal client vendeur, entrer, par le terminal client acheteur et le terminal client vendeur, par l'intermédiaire de l'interface de change, une condition de transaction pour le change de devises et la transmettre au serveur ; (b) mettre en correspondance, par le serveur, des transactions d'achat et de vente de devises sur la base des conditions de transaction reçues en provenance d'une pluralité des terminaux de client acheteur et des conditions de transaction reçues en provenance d'une pluralité de terminaux de client vendeur ; (c) identifier, par le serveur, des soldes d'un compte client acheteur et d'un compte client vendeur et recevoir, par un compte géré par le serveur, des dépôts des sommes d'argent correspondant à des devises devant être changées en provenance du compte de client acheteur associé à une première devise nationale et du compte de client vendeur associé à une seconde devise nationale ; et (d) retirer, par le serveur du compte géré par le serveur, la somme d'argent de la seconde devise nationale vers le compte de client acheteur et la somme d'argent de la première devise nationale vers le compte de client vendeur.
PCT/KR2021/006772 2020-12-17 2021-06-01 Procédé de fourniture d'un service de paiement de change automatique Ceased WO2022131458A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2020-0177001 2020-12-17
KR1020200177001A KR102447593B1 (ko) 2020-12-17 2020-12-17 자동 환전 결제서비스 제공 방법

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WO2022131458A1 true WO2022131458A1 (fr) 2022-06-23

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Cited By (1)

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