KR20030012065A - Method for proxy execution of on-line real time foreign exchange and remittance service - Google Patents

Abstract

PURPOSE: A method for agenting the real-time exchange and remittance is provided to offer an online exchange service in an environment integrating many complex procedures. CONSTITUTION: An exchange client requests the exchange by inputting various items for the exchange to an integrated web screen by connecting to a host computer(304). The exchange amount is inputted to a pre-exchange account of the host from the exchange client according to a payment condition(310). The amount inputted to the pre-exchange account is exchanged according to a rate provided from an exchange organization and is transferred to a post-exchange account of the host(311). The amount inputted the post-exchange account is drawn out from(312) and inputted to the account appointed at the time for requesting the exchange(313).

Description

METHOD FOR PROXY EXECUTION OF ON-LINE REAL TIME FOREIGN EXCHANGE AND REMITTANCE SERVICE}

The present invention relates to a method for performing on-line exchange service between different currencies and remittance upon customer's request. More particularly, the present invention relates to exchange of money for international trade, e-commerce, study, or immigration purposes. If you want to exchange foreign currency possessed by an individual or corporation for the purpose of travel or foreign currency payment, etc. to your local currency or vice versa, you can conveniently exchange it online in real time, and customers can select or withdraw the necessary withdrawal account. It is about how you can make a variety of card choices and greatly reduce the exchange fee.

In recent years, there has been an explosion of international trade and e-commerce, with more and more opportunities for individuals and groups to travel abroad for various purposes. Accordingly, it is frequently necessary to exchange foreign currencies for remittance and payment of trade funds and to pay for travel and study expenses.

These exchange services were performed online by an individual visiting a bank and paying a currency exchange fee according to a certain procedure to exchange money in person or by entering an Internet banking site of a specific bank or an online currency exchange site affiliated with a specific bank. However, the existing online currency exchange service is available only if a bank has both a foreign currency account and a foreign currency account, and withdraws the money for exchange from the bank's won account and deposits it into the foreign currency account of the bank. Therefore, if the customer had extra funds to exchange money in another bank's account, or if the foreign currency account was in another bank, the customer could not use it. Should be. In addition, if you transfer money overseas immediately after you have exchanged your foreign currency account, you will be forced to remit money from the foreign currency account that you exchanged money through the bank that you had to exchange. Remittances are made through interlinked networks or intermediary banks, and if they remit to designated banks abroad through other banks, they miss the option to make international remittances faster and more conveniently. That is, there is no online exchange service integrated between banks, and each bank has a problem in implementing it individually.

Accordingly, an object of the present invention is to provide an online exchange service in an environment in which various complicated procedures are integrated by overcoming the above problems. Thus, in response to the exchange request of the exchange client for the above purpose, the host associated with the exchange bank is acting on the basis of a special exchange rate in real time, and even if necessary transfer agency. The special exchange rate is a concept that is different from the fixed exchange rate (sell rate), cash purchase rate (sell rate), and sales standard rate, which are applied to customers daily by banks. Through a contract with a currency exchange bank (exchange agency), a more favorable exchange rate based on the real-time variable exchange rate of the foreign exchange market is applied in real time, and the exchange rate is applied based on the exchange rate whenever the customer requests a currency exchange from the host. It means that the exchange process.

Still another object of the present invention is that when a client requests for exchange, the online withdrawal for exchange is made through all banks, credit card companies, and credit card companies connected to the host, so that the client can withdraw the bank freely. You can also make a choice and use the balance of the virtual account associated with the host, and even if you do not have cash in your client's bank account, you can exchange money after making a withdrawal by credit card payment or cash service application. Afterwards, the deposit processing to a specific account is also freely performed in real time. In case of depositing into a foreign currency account after exchange, it is possible to freely select and process the deposit among various foreign currency accounts held by the client.

Another object of the present invention is to reduce the exchange cost of the customer by allowing the exchange agency to charge a low exchange fee by processing a large number, a plurality of exchange transactions in accordance with the request of several customers.

Another object of the present invention is that the client and the client (beneficiary) is able to query and confirm the exchange and remittance transaction progress in real time, all proceedings are to be electronically authenticated and encrypted for security.

1 is a schematic diagram for explaining the principle of the real-time online currency exchange and transfer agency method according to the present invention

Figure 2 is a flow chart illustrating a real-time online exchange and transfer agent method according to the present invention

* Description of the symbols for the main parts of the drawings *

200: Currency exchange client 201: Client's real account

202: Client's credit card 203-3: Web server

203: Domestic host 203-4: DB

203-6: Digital Signature / Encryption Solution 203-5: Mail Server

203-7: Host account (currency exchange money account and currency exchange money account)

205: Client's foreign currency real account 206: Beneficiary's foreign currency account

Accordingly, the present invention relates to a method of exchanging money and remitting money online in real time using a host computer associated with a currency exchange institution, and the exchange client connects to the host computer to exchange money on a web screen (for withdrawing a client). Requesting currency exchange by entering payment conditions, deposit account number, currency name before and after currency exchange, amount of money, beneficiary information, etc., and withdrawal amount using client's real account, credit card or cash service according to client's payment terms Depositing money by transferring it to a currency exchange account of the host; and depositing the amount deposited in the currency exchange account in real time according to the exchange rate provided by the exchange institution, and then depositing the money account after the currency exchange; The deposited amount is withdrawn and deposited into the actual account of the client or beneficiary designated at the time of exchange request. In addition to the conversion and remittance by the client and the exchange computer on the basis of the real-time special exchange rate on a request basis, according to the exchange request from the host computer, the exchange agency calculates the exchange between the currency exchange account of the host of the exchange brokerage service provider and the currency account after the exchange. Characterized in that it comprises a step. That is, the exchange transfer according to the client's request is not made after every exchange from the host's currency exchange account to the currency account after the exchange, and not from the currency exchange account to the currency account after the exchange. After converting the exchange amount on the basis of the real-time special exchange rate received from the exchange agency, the amount is immediately withdrawn from the holding balance in the currency account and deposited into the real account of the client or beneficiary designated by the client, and the exchange agency In accordance with the policy to manage currency after the exchange of money, in consultation with the currency exchange institution, the settlement of the exchange between the currency exchange account of the host and the currency account after the exchange of money is necessary at a time separate from the real-time processing of the exchange request. Characterized in that. That is, the real-time currency exchange processing according to the customer's request and the exchange of the actual currency exchange operator is characterized in that it comprises a step of separating and dualizing.

In addition, according to the present invention, the amount for the exchange of money to the client's actual account, payment by credit card company, or cash service according to the payment conditions selected by the exchange client on the integrated web screen of the host computer pre-produced with the screen scraping program technology. It is withdrawn by the Internet banking or financial EDI network characterized in that the deposit into the host account.

(Example)

Hereinafter, the features, principles and advantages of the present invention will be described in detail through the preferred embodiments with reference to the accompanying drawings. However, these embodiments are for convenience of description and are not intended to limit the invention to these embodiments.

1 is a schematic diagram for explaining the principle of the real-time online exchange and transfer agent method according to the present invention. The embodiment of the online real-time exchange and transfer agent method according to the present invention can be used not only for the purpose of the exchange client to transfer money to his or her account in the country, or to send money to a third party in the country, as well as a virtual account. You can also perform the online real-time currency exchange service required for online international money transfer.

First, the case of the former case will be described in the case of money transfer to a domestic account or money transfer to a third party in the country. The exchange service of the present invention may be made between all heterogeneous currencies, but for convenience of description, the present embodiment will be described by limiting the won to a foreign currency, in particular, a service for exchanging foreign currency through online in a financial market.

Currency exchange client 200 to apply for exchange can request a currency exchange after joining as a free member on the Internet web site of the domestic host acting as a currency exchange operator. When the client requests a currency exchange, the member needs to verify his / her membership, and then, on the integrated web screen where each bank and credit card company provided by the web server 203-3 appears on one screen, Amount of exchange, foreign currency selection, bank account number of exchanged foreign currency, etc., and payment terms (withdrawal from your bank account, payment by credit card, use of cash services, or your own virtual domestic host) Enter the currency saved in the account, such as currency exchange or foreign currency substitution. At this time, a special exchange rate notified by the exchange agency is displayed on the web screen, and when it is converted according to the exchange rate, it shows that some foreign currency will be exchanged in some won. Will click.

The web server 203-3 of the domestic host 203 stores the inputted information data in the database 203-4, and withdraws money from the client's bank account 201, withdraws a credit card, and uses a cash service. The amount of money withdrawn from payment through the payment is deposited in the won account 203-6 of the domestic host account. The transfer of funds from the bank's real account to the Korean won's won account can be done using the Internet banking network or the financial EDI network, and the transfer from the client's credit card company to the won account of the host account can be made from the VAN network. It is available. In addition, if requested by the client, the client may replace the exchange amount with the amount accumulated in the virtual account (Won or foreign currency virtual account) in the client's name in the host, which the client has earned for overseas remittance or deposited from the overseas payer. Can be.

The amount deposited in the Korean won won account (203-6) is exchanged according to exchange rate information provided in real time through the currency exchange main bank, the foreign currency is transferred to the foreign currency account (203-7) in the host. Alternatively, the process of internal transfer to the foreign currency account 203-7 in the host may be omitted, and the foreign currency balance of the host's foreign currency account may be used as it is. The exchange settlement between the host's foreign currency account and the foreign currency account may be separately performed at a later point in time.

Thereafter, the exchanged foreign currency is deposited into the foreign currency real account 205 of the client or the foreign currency real account 206 of another domestic person requested by the client. At this time, the host recognizes the deposit and sends the completed payment to the client and the beneficiary by e-mail. If it is replaced by the amount accumulated in the client's virtual account, the amount is deducted from the virtual account, and the foreign currency is actually deposited from the foreign currency account of the domestic host to the real account of the client or the other person requested by the client. On the other hand, when it is withdrawn from the client's bank account and deposited into the host's account, it is made through the existing internet banking network or financial EDI network.

On the other hand, when the exchange client wants to transfer foreign currency exchanged internationally, it may be transferred to the virtual account of the client of the domestic host, and then to the virtual account of the remitter of the foreign host linked to the domestic host. For example, a method of depositing a foreign currency into a foreign account directly from an exchanged foreign currency account may be used. The international online remittance method using a virtual account (or a real account) is described in detail in the applicant's name "International real time online remittance and payment agency method" filed by the same applicant.

The domestic host may transfer the foreign currency to the requested account by applying the exchange rate notified by the foreign exchange agency and notify the client of the exchange rate applied and the completion of the foreign currency transfer. If necessary, the client can show the expected rate of exchange at the time of the client's request for exchange.In the meantime, the best decision is made in real time for customers who have been making exchange and negotiation timing through exchange rate information that is announced 3-4 times a day. This can provide cost savings.

As described above, in the real-time online currency exchange and remittance agency method according to the present invention, an exchange agency has a real currency account 203-6 and a foreign currency account 203-7 linked to a domestic host, and according to a foreign currency account operation policy. In addition to handling real-time currency exchange at the request of the client, the brokerage service provider can exchange and settle with the currency exchange agency at the time of need. It is possible to increase the cost of exchange through a feature that can reduce the cost by imposing a low exchange fee to customers.

Meanwhile, the client and the client (beneficiary) of the exchange and remittance are notified in real time by the mail server (203-5) and the electronic signature and encryption solution (203-6) of the domestic host. It is encrypted through the authentication process.

Figure 2 is a flow chart illustrating a real-time on-line currency exchange method according to the present invention.

First, the exchange client 200 connects to the domestic host 203 to request a currency exchange (step 301).

At this time, the domestic host checks whether the exchange requesting client is a member to request exchange (step 302). For this confirmation, you may be asked to enter your usual ID and password. If the client connected to the host is not subscribed to the member at this time, the client is first invited to join (step 303).

If the client who accesses the host in step 302 is registered as a member, the next step is made to request for exchange. That is, there is an exchange request of the exchange client. For example, information about whether to convert the won into foreign currency or exchange the foreign currency into the won, and information about the amount of money to be exchanged. If there is no balance in the withdrawal account information of the exchange client or withdrawal account of the exchange client, the credit card information may be input to receive payment by credit card or payment by using a cash service. In addition, the amount accumulated in the virtual account of the domestic host may be replaced by the exchange rate (step 304).

When the domestic host 203 correctly inputs the information of the exchange client and succeeds in the exchange application, the process proceeds to the next step and exchange information is formed (step 309). However, if the application fails in step 305, the exchange agent service is terminated (step 306), and then the web is notified of the reason for the failure of the exchange agent service (step 307). The exchange client will refer to the reasons for the failure and decide whether to retry (step 308) or give up the exchange. If it is determined that it will retry, the process returns to step 304, and the exchange request is again performed.

If the exchange request is successful in step 305, the exchange information is stored in the database DB in the domestic host 203. This information is necessary for progress management and follow-up management until the exchange request is completed and can be used later to transfer to the beneficiary's virtual account when the client wishes to transfer money internationally after the exchange.

According to the exchange information given in step 309, it is withdrawn from the currency exchange account 201 of the exchange client and transferred to the currency account 203-6 of the domestic host account and deposited (step 310). Thereafter, the web server 203-3 receives the exchange rate from the currency exchange institution and converts it into foreign currency (step 311). (Step 311) may be implemented in a form that proceeds before (step 310), in this case, based on the exchange information entered in the first exchange after receiving the exchange rate from the foreign exchange agency to convert to foreign currency (step 311), Based on the amount of money, the required amount of unification is withdrawn from the real currency exchange account 201 of the exchange client and transferred to the Korean currency account 203-6 of the domestic host account (step 310).

The foreign currency is withdrawn from the host's foreign currency account based on the converted foreign currency amount (step 312). The withdrawn foreign currency is transferred to the foreign currency real account 205 of the foreign exchange client or the foreign currency real account 206 of another third party designated by the foreign exchange client and deposited (step 313). As this process is repeated, the balance of the foreign currency account (203-7) of the domestic host continues to decrease, so that the exchange rate and settlement of the won currency (203-6) in foreign currency is periodically exchanged through the exchange agency. Since it is possible to handle a large amount of exchange transactions by collecting exchanges of several customers, a low exchange fee can be applied, which in turn can reduce the commissions of exchange clients (step 314).

Although the present embodiment has been mainly described using an example in which a currency exchange client exchanges foreign currency into foreign currency, the procedure for exchanging foreign currency for foreign currency can be considered the same.

In this way, the real-time currency exchange and remittance processing in the host according to the customer's exchange request is performed in the system, and at the same time, the exchange agent separates the exchange between the actual and foreign currency accounts, so that the real-time exchange processing is smooth. It is possible to save money by making cheaper exchange fees by carrying out large and multiple currency exchanges at the request of customers.

In addition, customers can choose a variety of payment methods, such as bank account, virtual account, credit card payment, credit card cash service payment, etc., and also can freely select the deposit account after exchange and receive real-time deposit.

In addition, immediately after real-time currency exchange processing, it is possible to process international money transfer processing using a virtual account or international money transfer processing using a real account with One-Stop.

In addition, since a low exchange rate is applied based on real-time exchange rate information, customers can decide in real time what the exchange rate and nego timing were determined through the exchange rate information that is announced 3-4 times a day, which is the conventional practice. have.

In addition, it is possible to inquire and confirm in real time the progress and success of the exchange transaction requested by the exchange client through the web server and e-mail notification function.

Claims (3)

In the real-time online currency exchange and transfer agent method, The client requests to exchange money by connecting to the host computer and entering all the details for the exchange on the integrated web screen (payment conditions for the client's withdrawal, deposit account number, currency name before and after currency exchange, amount, beneficiary's information, etc.). step, Depending on the client's payment terms, the amount corresponding to the currency exchange will be withdrawn from the client's real account, credit card payment, cash service, or the amount stored in the client's host's virtual account and transferred to the host's currency exchange account. Steps deposited, The amount of money deposited in the currency exchange (exchange currency) is exchanged in accordance with the exchange rate provided by the exchange institution is settled in the currency account (foreign currency) after the exchange of the host and internal transfer; And After the money exchange of the host, the amount of money deposited in the currency account (foreign currency account) is withdrawn, the real-time online money exchange and remittance agent method comprising the step of depositing in the designated account (client or beneficiary) at the time of exchange request. According to claim 1, the exchange client is separately exchanged at the time required by the exchange agency between the exchange account and the post-exchange currency account of the host account of the exchange agent, in addition to the exchange and remittance for each exchange request at the domestic host Real-time online currency exchange and transfer agency method further comprising the step. The method of claim 1, The client and the client (beneficiary) can view and confirm the exchange and remittance transaction progress in real time through the host's web screen and e-mail notification mail, and all procedures are electronically authenticated and encrypted for security. Real-time online currency exchange and transfer agency.