KR102124869B1 - Currency Exchanging Method and Currency Exchanging System - Google Patents

Abstract

Disclosed is an unmanned currency exchange method using unmanned currency exchange machine, which includes the steps of: selecting the currency exchange type and currency type; preforming user authentication; calculating a conversion amount by applying an exchange rate to currency input to the unmanned currency exchange machine; selecting a method of receiving the amount of exchange; and receiving the amount of exchange according to the selected receiving method, wherein the receiving method is at least one of account transfer, card accumulation, and cash receipt. Therefore, currency exchange can be easily performed without using the existing banking system or private currency exchange.

Description

Unattended Currency Exchange Method and Unattended Currency Exchange System {Currency Exchanging Method and Currency Exchanging System}

The present invention relates to an unmanned currency exchange method and an unattended currency exchange system, and more specifically, to perform an existing banking system or a private currency exchange business by performing currency exchange using various methods such as account transfer, card accumulation, and cash receipt using an unattended currency exchange machine. The present invention relates to an unmanned currency exchange method and an unattended currency exchange system that not only solves the inconvenience of used currency exchange, but also can receive the amount of currency exchange to one's own account without opening a new account.

The size of domestic and foreign travelers traveling from abroad to domestic is increasing steadily. In line with this increasing trend, the need to exchange foreign and domestic travelers is also increasing.

In the case of the current exchange method, domestic travelers mainly use the banking system to exchange money, and foreign travelers exchange money through private exchange offices.

However, in the case of such a banking system and a private currency exchange business, there is a problem in that it is impossible to exchange money in the case of urgent currency exchange because the operating time is fixed.

In addition, in the case of a domestic traveler, when returning from overseas after returning to foreign countries, there is a limit to receiving the exchange amount only in cash when converting the remaining foreign currency into the domestic currency.

In addition, in the case of foreign travelers returning to their home country after travel, there is a limit to receiving the exchange amount only in cash when converting the remaining foreign currency into the local currency.

The present invention has been devised to solve the above problems, and the object of the present invention is to use an unattended currency exchange which can easily perform currency exchange without using an existing banking system or a private currency exchange office when currency exchange is required at any time and anywhere. It is to provide an unmanned currency exchange method and an unattended currency exchange system using a flag.

Another object of the present invention is to provide an unmanned currency exchange method and an unattended currency exchange system using an unattended currency exchanger capable of transferring a currency exchange amount to an account without opening a new account.

Another object of the present invention is to provide an unmanned currency exchange method and an unattended currency exchange system using an unattended currency exchanger capable of receiving currency exchange amounts in various ways such as cash receipt, account transfer, and card accumulation.

The unmanned currency exchange method using an unattended currency exchanger according to the present invention for achieving the above object is a step in which a currency exchange type and a currency type are selected, a user authentication is performed, and an exchange rate is applied to the currency input to the unattended currency exchanger to convert money. Comprising the steps of calculating, the step of selecting the method of receiving the amount of money exchange, and the step of receiving the amount of money to be exchanged according to the selected method of receipt, the method of receipt may be at least one of account transfer, card accumulation and cash receipt have.

In the step of selecting the currency exchange type and currency type, at least one currency exchange type is selected from among currency exchange and banknote exchange for the unattended currency exchanger, and a currency type to be exchanged for the unattended currency exchanger can be selected.

The user authentication may be at least one of ID authentication, biometric authentication, barcode authentication, mobile phone number authentication, and sensor authentication.

When the method of receiving the account transfer is selected, the unmanned currency exchanger transmits to the currency exchange management server that the account transfer receiving method is selected, and the currency exchange management server receiving that the account transfer receiving method is selected sends the authorization code to the banking intermediary server. Requesting, the banking intermediary server receiving the authorization code sends the authorization code to the currency exchange management server, and the currency exchange management server receiving the authorization code requests the banking brokerage server to generate an access token for login Step, the banking intermediary server generates an access token for login, and transmits the generated access token for login to the currency exchange management server, and the currency exchange management server calls the user login API to input user login information. , The banking mediation server inquires the user login status, and when the user's information is confirmed, transmitting user account information to the currency exchange management server, the currency exchange management server receiving the user account information is converted to the user account Sending a full deposit request to the banking intermediary server, the banking intermediary server receiving the request for depositing a currency exchange amount from the currency exchange management server to the user account, the banking mediation server withdraws the currency exchange amount from the currency exchange management account and converts the money into the user account It may include the step of sequentially requesting the deposit, and the step of performing the withdrawal of the amount of money exchanged from the money exchange management account and the amount of money exchanged to the user account.

In the step of sequentially requesting the withdrawal of money from the money exchange management account and the deposit of money into the user account, the banking intermediary server requests the first financial server having the money exchange management account to withdraw money from the money exchange management account. The banking intermediary server may include the step of requesting the second financial server having a user account to deposit the money into the user account.

The step of performing the withdrawal of money from the money exchange management account and the deposit of money into the user account is the step of the first financial server performing the money withdrawal from the money exchange management account and transmitting the result to the banking brokerage server. And, the second financial server may include the step of performing a deposit of money to the user account and transmitting the result of the performance to the banking brokerage server.

If the method of receiving the credit card is selected, determining whether the credit card is owned, judging result, if the credit card is owned, the credit card is put into the unattended currency exchanger, and the amount of money exchanged in the credit card It may include the steps to be accumulated.

If the method of receiving the above card is selected, determining whether the credit card is owned, judging result, if the credit card is not owned, judging whether a new credit card is issued, judging result, issuing a new credit card If desired, sending a request for issuing a new credit card to the currency exchange management server, the currency exchange management server requesting a card issuance brokerage server to issue a new credit card, the card issuance brokerage server requested to issue a new credit card The step of transmitting the number of the new credit card to the exchange management server, and the step of transmitting the number of the new credit card to the unattended currency exchanger, and the number of the unattended currency exchanger receiving the number of the new credit card And issuing the new credit card.

When the cash receipt is selected, the amount of money can be paid from the unattended currency exchanger.

The unmanned currency exchange system according to the present invention for achieving the above other objects, the selection of the currency exchange type and currency type is input, user authentication is performed, the exchange rate is applied to the input currency, currency exchange amount is calculated, account transfer, cash Upon receipt of the selection of the unattended currency exchanger of the method of receiving at least one currency exchange amount among the receipt and the card accumulation, and the selection of the receipt of the currency exchange amount of the money transfer from the unattended currency exchanger, an authentication request is made to execute the exchange amount of the account transfer. Sending, and receiving an authentication request from the currency exchange management server, and the currency exchange management server for requesting deposit of money into the user account, the user login status is inquired, the user account information is transmitted to the currency exchange management server, and withdrawal and deposit It has a banking intermediary server that requests sequentially, a currency exchange management account, and a first financial server that performs money withdrawal from the currency exchange management account and a user account when a withdrawal request is received from the banking brokerage server. , A second financial server performing deposit of money into the user account when a deposit request is received from the banking intermediary server.

In the unmanned currency exchange system according to the present invention for achieving the above object, a selection of a currency exchange type and a currency type is input, user authentication is performed, an exchange rate is applied to the input currency, currency exchange amount is calculated, account transfer, and cash When receiving the selection of at least one of the method of receiving and converting the card, the unattended currency exchange to which the selection of the method of receiving the exchange amount is input, and receiving the exchange amount of the card accumulation from the unattended currency exchange is selected, requesting the issuance of a new credit card, and A card for transmitting a number to the unattended currency exchange server and a card for generating a new credit card number when receiving a request for issuing a new credit card from the currency exchange management server and transmitting the generated new credit card number to the currency exchange management server It may include an issuing intermediary server.

According to the present invention, when a currency exchange is required at anytime and anywhere, there is an advantage in that currency exchange can be easily performed using an unattended currency exchanger without using an existing bank system or a private currency exchange office.

In addition, it aims to achieve the effect of transferring money to an existing account without opening a new account.

In addition, since various amounts of money can be received, such as cash receipt, account transfer, and card accumulation, there is an advantage that money can be exchanged according to the user's situation.

1 schematically shows an unmanned currency exchange system according to an embodiment of the present invention.
2 schematically shows an unmanned currency exchange system according to another embodiment of the present invention.
Figure 3 schematically shows a flow chart of an unmanned currency exchange method using an unattended currency exchange according to an embodiment of the present invention.
4 is a flowchart schematically showing the execution of the exchange amount receipt when the bank transfer is selected.
5 is a flow chart schematically showing the request for withdrawal of money and the amount of money exchanged in FIG. 4 and the conduct of money withdrawal and money exchange.
6 is a flowchart schematically showing the execution of the exchange amount receipt when the card accumulation is selected.

It should be noted that the technical terms used herein are only used to describe specific embodiments and are not intended to limit the present invention. In addition, technical terms used in this specification should be interpreted as meanings generally understood by those having ordinary knowledge in the technical field to which the present invention belongs, unless defined otherwise. It should not be interpreted as a meaning or an excessively reduced meaning. In addition, when the technical term used in this specification is a wrong technical term that does not accurately represent the spirit of the present invention, it should be understood as being replaced by a technical term that can be correctly understood by those skilled in the art.

In addition, the general terms used in the present invention should be interpreted as defined in the dictionary or in context before and after, and should not be interpreted as an excessively reduced meaning.

In addition, the singular expression used in this specification includes the plural expression unless the context clearly indicates otherwise. In the present application, the terms "consisting of" or "comprising" should not be construed as including the various components, or various steps described in the specification, among which some components or some steps It may not be included, or it should be construed to further include additional components or steps.

Hereinafter, the present invention will be described in more detail through examples, but the scope of the present invention is not limited to the following examples.

1 schematically shows an unmanned currency exchange system according to an embodiment of the present invention.

1, the unmanned currency exchange system 100 according to an embodiment of the present invention includes an unattended currency exchange machine 10, a currency exchange management server 20, a banking brokerage server 30, a first financial server 40, And a second financial server 50.

In the unmanned currency exchanger 10, a selection of a currency exchange type and currency type is input, user authentication is performed, an exchange rate is applied to the input currency, currency exchange amount is calculated, at least one of account transfer, cash receipt, and card accumulation A selection of a method for receiving money can be input. The details are as follows.

The unmanned currency exchanger 10 may include an input unit so that a selection of a currency exchange type and a currency type is input, and a selection of a method for receiving a currency exchange amount is input. The input unit may be a touch key, a push key, a touch screen, etc., but is not limited thereto.

The unmanned currency exchanger 10 may include a communication unit for receiving exchange rate information from the outside, and transmitting information received through the input unit to an external device. The communication unit may include one or more modules that enable wireless communication with external devices.

The unmanned currency exchanger 10 may include a processing unit that calculates a currency exchange amount by applying an exchange rate received from the outside.

The unmanned currency exchanger 10 may include a storage unit for storing coins and bills of currencies of each country, and the storage unit may be configured to be sorted by currency of each country, and each currency may be sorted by coin and bill. have.

The unmanned exchanger 10 may include an output unit for providing processing results or information to a user.

When the currency exchange management server 20 receives that the selection of the amount of money transfer of the account transfer is inputted from the unattended currency exchanger 10, the user authentication request is sent to the banking brokerage server 30 to execute the money transfer amount of the money transfer. It can be sent to the banking intermediary server 30 to transfer and deposit money into the user account.

When the banking brokerage server 30 receives a user authentication request from the currency exchange management server 20, it queries the user login status, transmits user account information to the currency exchange management server 20, and sequentially withdraws and deposits. As such, the first financial server 40 and the second financial server 50 may be requested.

The first financial server 40 has a currency exchange management account, and when a withdrawal request is received from the banking brokerage server 20, it can perform withdrawal of money from the currency exchange management account.

The second financial server 50 has a user account, and when a deposit request is received from the banking intermediary server 20, it can perform the deposit of money into the user account.

2 schematically shows an unmanned currency exchange system according to another embodiment of the present invention.

2, the unmanned currency exchange system 200 according to another embodiment of the present invention may include an unattended currency exchange 10, a currency exchange management server 20, and a card issuing brokerage server 60.

Since the configuration of the unmanned currency exchanger 10 is the same as the configuration described with reference to FIG. 1, description thereof will be omitted.

When the exchange management server 20 receives that the selection of the exchange amount of the card accumulation is inputted from the unattended currency exchanger 10, it requests the card issuance brokerage server 60 to issue a new credit card, and the card issue brokerage server ( The number of the new credit card received from 60) may be transmitted to the unmanned currency exchanger 10.

When the card issuance brokerage server 60 receives a request for issuing a new credit card from the currency exchange management server 20, it generates a new credit card number and transmits the generated new credit card number to the currency exchange management server 20 can do.

Figure 3 schematically shows a flow chart of an unmanned currency exchange method using an unattended currency exchange according to an embodiment of the present invention.

Referring to FIG. 3, in an unmanned currency exchange method using an unattended currency exchanger according to an embodiment of the present invention, a selection of a currency exchange type and a currency type is input (S100), a user authentication is performed (S200), and the unattended The exchange rate is applied to the currency input to the currency exchanger to calculate the exchange amount (S300), the step of inputting the selection of the method of receiving the exchange amount (S400), and the step of receiving the exchange amount according to the selected delivery method ( S500).

In step S100 in which the selection of the currency exchange type and currency type is input, the user may select at least one currency exchange type among coin exchange and currency exchange through the input unit of the unmanned currency exchanger, and the currency type of each country to be exchanged may be selected. . For the selection of the currency exchange type and currency type, the currency type of each country may be selected after the currency exchange type is selected first, or, alternatively, the currency type of each country may be selected first, and the currency exchange type may be selected.

According to the present invention, since both coins and banknotes can be exchanged through an unattended currency exchanger, a traveler has the advantage of performing currency exchange according to the type of currency exchange desired by the traveler, and in the currency type, the United States, Japan, and Europe through an unattended currency exchanger , China, Hong Kong, Taiwan, Singapore, Malaysia, Philippines, Australia, Thailand, UK, Indonesia, Russia, Vietnam, Korea, etc. Currency of various countries can be exchanged, so travelers from various countries can use the unmanned currency exchanger according to the present invention. The unattended currency exchange method used can be used.

Thereafter, the user can be authenticated through various authentication methods such as identification of passports, biometric authentication such as iris or fingerprint, barcode authentication, cell phone number authentication, and sensor authentication (S200). In the present embodiment, after the input of the selection of the currency exchange type and the currency type is completed, user authentication is performed, but the present invention is not necessarily limited to this. In another alternative embodiment, the exchange type after the user authentication is completed And the choice of currency type can be entered.

In the step S300 in which the currency exchange amount is calculated, a currency exchange rate is applied to the currency input to the unmanned currency exchanger to calculate the currency exchange amount.

For example, when a foreign traveler wants to exchange the remaining Korean won into dollars after completing a domestic trip, the exchange rate may be applied to the input Korean won to calculate the dollar exchange amount.

At this time, the exchange rate may be different depending on the type of currency exchange. That is, even in the same currency, the exchange rate applied to banknotes and the exchange rate applied to coins may be different.

The exchange rate may fluctuate as it is updated regularly or irregularly, and may be updated by receiving an exchange rate from an unattended currency exchange server or by receiving an exchange rate from a third-party exchange rate information provider.

The step S400 in which the selection of the method of receiving the currency exchange amount is input is a step in which the user selects at least one of account transfer, card accumulation, and cash receipt through the input unit of the unattended currency exchanger.

When the selection of the receiving method is input through the input unit, the exchange amount is received according to the selected receiving method (S500). The execution of the exchange amount receipt when the account transfer is selected (S510), the execution of the exchange amount receipt when the card accumulation is selected (S520), and the execution of the exchange amount receipt when the cash receipt is selected will be described in more detail below. do.

4 is a flowchart schematically showing the execution of the exchange amount receipt when the bank transfer is selected.

Referring to FIG. 4, when the user selects a method for receiving an account transfer, the unattended currency exchanger transmits to the currency exchange management server that the method for receiving an account transfer is selected (S511).

The currency exchange management server, which has received that the account transfer receiving method has been selected, requests an authorization code from the banking mediation server by transmitting the authentication key issued by the exchange management server registered in advance to the banking mediation server (S512).

After receiving the authorization code request from the currency exchange management server, the banking intermediary server queries the service access authority and transmits an authorization code to the currency exchange management server if there is authority (S513). At this time, the authorization code may be delivered to a callback URL.

Upon receiving the authorization code, the currency exchange management server requests the banking brokerage server to generate an access token for login (S514).

The banking brokerage server generates an access token for login, and transmits the generated access token for login to the currency exchange management server (S515).

The currency exchange management server inputs user login information by calling a user login API (S516). In another alternative embodiment, you can log in with a non-face-to-face authentication.

The banking brokerage server inquires the user login status, and when the inquiry result, the user information is confirmed, transmits the user account information to the currency exchange management server (S517).

The currency exchange management server receiving the user account information transmits a request for depositing a currency exchange amount to the user account to the banking brokerage server (S518).

The banking intermediary server that receives a request for depositing a currency exchange amount from the currency exchange management server to the user account sequentially transfers money withdrawal from the currency exchange management account and deposits money into the user account to the first financial server and the second financial server. Request by (S519-1).

The first financial server and the second financial server perform money withdrawal from the currency exchange management account and deposit money into the user account, respectively (S519-2).

5 is a flow chart schematically showing the request for withdrawal of money and the amount of money exchanged in FIG. 4 and the conduct of money withdrawal and money exchange.

Referring to FIG. 5, the banking brokerage server requests a first financial server having a currency exchange management account to withdraw money from the currency exchange management account (S519-1a).

The banking intermediary server requests the second financial server that holds the user account to deposit the money into the user account (S519-1b).

The first financial server, which is requested to withdraw money, performs money withdrawal from the money exchange management account (S519-2a). The execution result may be transmitted to the banking intermediary server. The banking intermediary server may transmit the received performance result to the currency exchange management server.

The second financial server, which is requested to deposit the currency exchange amount, performs the currency exchange amount deposit to the user account (S519-2b). The execution result can be sent to the banking intermediary server. The banking intermediary server may transmit the received performance result to the currency exchange management server. The currency exchange management server may transmit the received result to the unattended currency exchanger. The result of depositing the money exchanged by the unmanned currency exchanger may be provided to the user through the output part of the unattended currency exchanger.

Receiving the amount of money exchanged by bank transfer can be more convenient than when the foreign traveler returns to their home country after traveling in Korea, rather than receiving the money directly in cash.

6 is a flowchart schematically showing the execution of the exchange amount receipt when the card accumulation is selected.

Referring to FIG. 6, when the user selects a method of receiving a credit card, the unattended currency exchanger outputs a message about whether the credit card is owned (S521).

If the user owns the credit card, the response that the credit card is owned is input to the unattended currency exchanger, and the credit card is input to the unattended currency exchanger (S522).

The unattended currency exchanger accumulates the amount of money exchanged in the accumulated credit card (S523). At this time, the unattended currency exchanger may transmit the exchange amount accumulation information to the server of the corresponding accumulation card.

If the user does not own the credit card, a message is displayed as to whether or not the user wants to issue a new credit card (S524).

When the user inputs a response to the unattended currency exchange that the user wishes to issue a new accumulation card, the unattended currency exchanger transmits a request for issuing a new accumulation card to the currency exchange management server (S525).

Upon receiving a request for issuing a new credit card, the currency exchange management server may request a card issuing brokerage server to issue a new credit card (S526).

The card issuing brokerage server, which is requested to issue a new credit card, may generate new credit card information and transmit the number of the new credit card to the currency exchange management server (S527).

The currency exchange management server may transmit the number of the new credit card to the unattended currency exchanger (S528).

Upon receiving the number of the new credit card, the unattended currency exchanger may issue a new credit card with the exchange amount accumulated (S529). To explain this in more detail, the unattended currency exchanger that received the number of the new credit card sends the money exchange amount information to be credited to the money exchange management server, and the money exchange management server requests that the money to be credited to the card issuance brokerage server be credited to the new card. do. The unattended currency exchange machine issues a new credit card with accumulated money. A card issuing unit for issuing new cards is provided at the unmanned currency exchange machine.

In the case of receiving the amount of money exchanged through credit card accumulation, it is useful because it can be credited not only to the credit card owned by the user, but also through the issuance of new cards through unattended currency exchange.

In addition, the receipt of the exchange amount of the card accumulation can be used when necessary after accumulating the exchange amount on a card that is convenient for payment rather than cash, which is cumbersome to calculate when paying, thereby enhancing the convenience of travelers. In addition, even after completing the trip, by depositing the amount of money exchanged in a card that is easier to carry than cash, convenience in returning home can be promoted.

Finally, when the user chooses to receive the cash, the unattended currency exchanger may pay the calculated currency exchange amount to the user through the outlet of the unattended currency exchanger.

In the above, specific preferred embodiments of the present invention have been described, but the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention pertains without departing from the gist of the present invention claimed in the claims. Various modifications can be carried out by anyone with ordinary knowledge in the course, and such modifications are within the scope of the claims.

10 Unattended currency exchange
20 Currency Exchange Management Server
30 Banking Brokerage Server
40 First Financial Server
50 second financial server
60 card issuance brokerage server

Claims (12)

Selecting an exchange type and a currency type by an unattended currency exchanger;
User authentication is performed by the unattended currency exchanger;
A step in which, by the unmanned currency exchanger, an exchange rate is applied to the currency input to the unattended currency exchanger and a currency exchange amount is calculated;
Selecting, by the unattended currency exchanger, an account transfer as a method of receiving the exchange amount;
The unmanned currency exchanger transmitting the account transfer receiving method to the currency exchange management server;
The exchange management server receiving that the method of receiving the account transfer is selected, requesting an authorization code from the banking intermediary server;
The banking intermediary server receiving the authorization code, transmitting the authorization code to the currency exchange management server;
The exchange management server receiving the authorization code requesting the banking brokerage server to generate an access token for login;
The banking intermediary server generating an access token for login, and transmitting the generated access token for login to the currency exchange management server;
The currency exchange management server inputting user login information by calling a user login API;
The banking intermediary server querying a user login status, and when user information is confirmed, transmitting user account information to the currency exchange management server;
The exchange management server receiving the user account information transmitting a request for depositing a currency exchange amount to the user account to the banking intermediary server;
The banking intermediary server that receives a request for depositing money into the user account from the money exchange management server, sequentially requests withdrawal of money from the money exchange management account and money into the user account; And
And performing a withdrawal of the amount of money exchanged from the currency exchange management account by the first financial server and the amount of money exchanged into the user account by the second financial server. According to claim 1,
The step of selecting the currency exchange type and currency type,
The unmanned currency exchanger selects at least one type of currency exchange among coins and banknotes,
Unattended currency exchange method, characterized in that the type of currency to be exchanged is selected by the unattended currency exchanger. The method of claim 1, wherein the user authentication is at least one of identification card authentication, biometric authentication, barcode authentication, mobile phone number authentication, and sensor authentication. delete According to claim 1,
The step of sequentially requesting the withdrawal of money from the money exchange management account and the deposit of money into the user account is:
The banking brokerage server requesting the first financial server having a currency exchange management account to withdraw money from the currency exchange management account; And
And the banking intermediary server requesting a second financial server having a user account to deposit a currency exchange amount into the user account. According to claim 1,
The step of performing the withdrawal of the amount of money exchanged from the currency exchange management account by the first financial server and the amount of money exchanged into the user account by the second financial server,
The first financial server performing a withdrawal of a currency exchange amount from the currency exchange management account and transmitting the result to the banking brokerage server; And
And a step in which the second financial server deposits money into the user account and transmits the result to the banking brokerage server. delete delete delete An unattended currency exchanger in which the selection of the currency exchange type and currency type is input, user authentication is performed, the exchange rate is applied to the input currency, the currency exchange amount is calculated, and an account transfer is selected as a method of receiving the currency exchange amount;
A currency exchange management server that transmits an authentication request to execute the receipt of the money transfer amount of the account transfer, and requests a deposit of money into the user account when receiving the selection of the money transfer amount of the money transfer from the unattended currency exchanger;
A banking intermediary server that receives an authentication request from the currency exchange management server, queries a user login status, transmits user account information to the currency exchange management server, and sequentially requests withdrawals and deposits;
A first financial server having a currency exchange management account and performing a withdrawal of money from the currency exchange management account when a withdrawal request is received from the banking brokerage server; And
It includes; a second financial server having a user account, and performing a deposit of money into the user account when a deposit request is received from the banking brokerage server.
The currency exchange management server requests an authorization code to the banking intermediary server, and the banking mediation server that receives the authorization code transmits the authorization code to the currency exchange management server,
Upon receiving the authorization code, the currency exchange management server requests the banking intermediary server to generate an access token for login, and the banking intermediary server generates an access token for login, and sends the generated access token for login to the currency exchange management server. Unmanned currency exchange system characterized by transmitting. The method of claim 10,
The currency exchange management server calls the user login API to input user login information, the banking mediation server queries the user login status, and when the user's information is confirmed, transmits user account information to the currency exchange management server, and the user The exchange management server receiving the account information, the unmanned currency exchange system, characterized in that for transmitting a request for deposit of money to the user account to the banking intermediary server. The method of claim 11,
The banking intermediary server, which receives a request for depositing money into the user account from the money exchange management server, sequentially requests the withdrawal of money from the money exchange management account and the deposit of money into the user account. .

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