KR20000036545A - network based-foreign coin exchange system and method - Google Patents

Abstract

PURPOSE: A system for exchanging foreign coins using the network and the method thereof are provided so that not only can a foreign coin holder purchase goods at off-line stores connected to the network or on the web site, but also a purchaser who needs foreign coins can get the coins easily through the network. CONSTITUTION: A member is connected with a member authentication part(S2,H1) of a main server(1). A collecting member(V1) connected to a coin search part(E2,S11) after selecting a menu selection(J21) searches form by coin issuance countries(S12), amounts(S13) and units(S14). The collecting member connected to an exchange rate search part(E3,S21) searches exchange rates by coin issuance countries(S22), amounts(S23) and retained amounts(S24). Based on this, the collecting member collects coins used by consumers at off-line stores(U1,U2,U3,U4), summarizes daily collection status through the main server(1), opens an account(K5) at a financial institute(K4) of a sales member(V3) and deposits them, so as to be stored in a totalization data base(D5) with the sales member(V3).

Description

Foreign currency exchange system and method using network {network based-foreign coin exchange system and method}

The present invention relates to an electronic commerce carried out through a communication network. In particular, the owner of a coin owning a foreign coin may not only purchase goods in an offline store and a web site connected to the network, but also a buyer who needs a foreign coin may The present invention relates to a foreign currency exchange system and a method using a network in which coins can be easily purchased through the network.

In general, when an owner of a foreign coin exchanges money at a financial institution, the currency is exchanged (less than 50% of the coin) only for coins issued in the United States. However, coins other than the above-mentioned dollar coins are not exchanged, which means that the cost of exporting coins by issuing country (for example, airfare, premiums, fees, etc. depending on the weight of coins) is excessive. This is because there is no profitability.

As a result, foreign travelers exchange foreign coins owned before returning home or waste the coins left unused at the airport. The remaining coins remain at home as travel souvenirs. to be.

Accordingly, the present invention has been made to solve the problems caused by the owner of a foreign coin as a result of neglecting a foreign coin, and the object of the present invention is to exchange foreign coins, which are generally not exchanged, online with a communication network. By being able to be used offline, overseas travelers not only reduce the waste of purchasing unnecessary goods before entering the country to consume coins that cannot be exchanged at home, but also reduce the travel expenses of foreign travelers, which are exchanged only by banknotes, in a national way. To provide a foreign currency exchange system and a method using a network that can be reduced.

1 is a conceptual diagram showing a foreign coin exchange system and method using a network according to the present invention.

2 is an overall flowchart of a foreign currency exchange method using a network according to the present invention;

3 is a block diagram showing a foreign currency exchange system according to the present invention.

4 to 18 are detailed flowcharts showing the procedure of using the foreign currency exchange system according to FIG.

Explanation of symbols on the main parts of the drawings

1: main server, 2: collection member, 3: sales member, 4: sales broker, 5: coin owner, 6: general buyer of coins, 7: network, 10: store search, 20: exchange rate search, 30: Coin search unit, 40: member management unit, 50: product search unit, 60: service management unit

The above object is easily achieved by the present invention, and according to an aspect of the present invention, a foreign currency exchange system using a communication network includes a client site including an owner who owns a foreign coin and a buyer who needs a foreign coin; Store member sites that users connected to client sites can use as small amounts of foreign coins, financial institution member sites for exchanging foreign coins, buyers connected to the client sites, and financing registered on the financial institution sites And an intermediary member site for brokering institutional members, a main server for providing service information to the members connected to each site, and a communication network for interconnecting them using communication means.

According to another aspect of the present invention, there is provided a client site including an owner who owns a foreign coin and a buyer who needs a foreign coin, and a store member site which can be used as a small amount of foreign coins by a user connected to the client site; A foreign country using a network consisting of a financial institution member site for exchanging the foreign coins, a main server for providing service information to the members connected to each site, and a communication network for interconnecting them using communication means The coin exchange method includes determining authentication of a store member, a financial institution member, and an intermediary member connected to the main server site, connecting the client to the main server, and connecting a client to the main server. Retrieving foreign coins, and a client connected to the main server Retrieving the exchange rate of foreign coins in real time; searching for offline store members on a site provided by the main server by the client connected to the main server; Purchasing a service, exchanging foreign coins collected at the offline store at the financial institution member, and performing a mutual management of a store member, a financial institution member, and an intermediary member authenticated at the member authentication step. It is made of.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram of a foreign currency exchange system using a network according to the present invention.

As shown in the figure, in the foreign currency exchange system using the network according to the present invention, the coin owner 5 and the general buyer 6 of the coin are connected to the main server 1 through the communication network 7 and into the coin. A commodity search unit (50) where goods can be purchased and a store search unit (10) which checks stores (11, 12, 13, 14) that can use coins offline operated by the collecting member (2), and exchange rates when coins are used. Exchange rate retrieval unit (20), which identifies identifications (21, 22, 23) and coin types by country of issue (31, 32), and sales members (3) who are foreign exchange financial institutions to general buyers (6) and departures of coins. To the sales brokerage member (4) site that brokers these sites and the sites (41, 42, 43) to manage demand (64), deposit management (63), counting management (61), deposit management (62), and information processing data. (66) the main server (1) consisting of the site of the service management unit 60 that manages and the like and interconnected Includes a communications network (7).

In addition, the main server 1 is connected to an external network 8, which is a network other than constituting the present electronic commerce system (for example, a travel agency, a bank, a gas station, a convenience store, a PC room, etc.). Member company network), a network constituting another e-commerce system, or the Internet.

Although the network 7 is preferably a closed network using a dedicated line, it is possible to use a public telephone line or the Internet. The main server 1 of the foreign currency exchange system using the network is an information processing device such as a personal computer, a workstation, a main frame computer, and the like having a communication line interface device.

The main server 1 includes a member manager 40, a product searcher 50, a store searcher 10, a currency searcher 20, a coin searcher 30, and a service manager 60. The member management unit 40 registers and authenticates users 41 and 42 43 of the collection member 2, the sales intermediary member 4, and the sales member 3, which are connected through the main server 1. In addition, the information is searched only for the product search site 50, the exchange rate search site 20, and the store search site 10 displayed on the main server 1 site to an unauthorized non-member accessor. The product search unit 50 performs a function of providing a product that a non-member general accessor can purchase online with coins.

The store retrieval unit 10 then retrieves information on the stores 11, 12, 13, and 14 of the collection members 2 who can use the coins offline. Further, the exchange rate retrieval unit 20 and coin retrieval are executed. The unit 30 provides exchange rate data 21, 22, 23 provided in real time through a communication network when the non-member accessors 5, 6 and the authenticated members 2, 3, 4 access the main server 1 site. ) To display and execute. Then, the service management unit 60 is the aggregate management 61, deposit management 63, demand management 64, to the members 41, 42, 43 through the member management unit 40 through the main server (1), The deposit management 62 performs fee management 64 and information data management 66.

Hereinafter, a method of collecting and using coin usage information by a user in a foreign currency exchange system using a network according to the present invention will be described with reference to FIGS. 2 to 15.

2 is a flowchart of a foreign currency exchange system using a network according to the present invention, and FIG. 3 is a flowchart illustrating a procedure of using a user.

As shown in the figure, when the user is connected to the main server 1 through the communication network (S1) (S1) in the user authentication unit (S2) determines whether the user is authenticated (H1), if not a member Next, the process proceeds to step 00 of FIG. 3 to access the user registration (A1) or service selection (R1) site, and when the connection is terminated, is stored in the user database D10. In the connecting step, the designated member registration form (A2) of the user registration (A1) displayed on the main server (1) is filled out and divided into a collection member (K1), a sales intermediary member (K2), and a sales member (K3). Upon receipt of the subscription authentication A4 through the procedure A3, it is stored in the member management database D2.

The member is connected to the member authentication unit (S2, H1) of the main server (1), the collection member (V1) is connected to the coin retrieval unit (E2, S11) after the menu selection (J21) by country of coin issuance ( S12), by the amount (S13), unit (S14), and exchange rate search unit (E3, S21) to search the exchange rate (S22), amount (S23), holding amount (S24) exchange rate by coin issuing country. Based on this, the collection of coins used by the consumer in the offline sales stores (U1, U2, U3, U4) and the daily collection status (E!) Through the main server (1) to register the collection amount by country (K1), When the transaction rate registration (K2) and the amount calculation (K3) are counted, the account book is opened (K5) and deposited in the financial institution (K4) of the sales member (V3). D5).

Thereafter, when the sales member V3, which has received a real coin from the collection member V1, aggregates the holding status of each branch (B31), it is stored in the branch-specific aggregation database D11. In contrast, a non-member general visitor connects to the site of the main server 1 through a communication network (S1), selects a service (R1), searches for a product (W1), selects a product (C12), and adds a shopping cart (C13). In this case, even if a product is purchased with coins, it is stored in the service management unit 60 of the main server 1 in the aggregate management database. It is stored in the deposit management database of the service management unit 60 of the main server 1.

Among the members, the sales intermediary member 4 is connected to the exchange rate retrieval unit 20, the coin retrieval unit 30, and the service management unit 60 of the main server 1, by the issuing country 63 and the type of deposit management 63. , The service management unit of the main server (1) by searching the amount of coins collected by unit and grasping the number of coins required by the destination country from the customer who purchased the travel products through the offline sales point (11, 12, 13, 14) ( 60) in the demand management 64 database.

The customer is then informed of the point of sale of the sales member 3 who can exchange money by means of a separate means of communication such as telephone or fax. Finally, the sales member (3) exchanges the coins sales amount online into the deposit account account of the collecting member (2) who deposited the coins when the customer of the sales broker (4) who visited the offline store exchanges the coins for travel expenses. The deposit is made and stored in the deposit management 62 database of the management unit 60 of the main server 1.

In addition, a fee to be paid to the collecting member 2 and the sales intermediary member 4 is calculated by calculating the sales of the exchanged coins on the basis of the database, and the fee is paid through the communication network 7.

According to the configuration and operation of the present invention as described above, by providing a foreign currency exchange system and method using the communication network according to the present invention, foreign travelers purchase unnecessary goods before entry to consume coins that can not be exchanged in Korea There is no need to waste money, and collection stores increase sales because more customers visit to use coins. In addition, financial institutions can exchange coins without exporting coins, thereby reducing costs and increasing profits due to the increase in customers. In addition, travel agencies can increase their creditworthiness and increase customer service. do. In addition, outbound travelers who have exchanged travel expenses will not have to exchange money again in the country of visit, so they will benefit from the additional exchange fee. After that, the coins owned by each individual are collected and used in the local country through other overseas travelers, thereby improving the travel balance.

While the present invention has been illustrated and described with reference to certain preferred embodiments, the invention is not limited thereto but may vary without departing from the spirit or scope of the invention as set forth in the claims below. It will be readily apparent to those skilled in the art that such modifications and variations can be made in the art.

Claims (17)

In a foreign currency exchange system using a communication network, A client site comprising an owner of a foreign coin and a buyer in need of the foreign coin; A store member site which can be used as a small amount of foreign coins by a user connected to the client site; A financial institution member site that exchanges foreign coins; An intermediary member site for brokering a buyer connected to the client site and a member of a financial institution registered at the financial institution site; A main server providing service information to members connected to each site; And a communication network for interconnecting them by using a communication means. The method of claim 1, wherein the main server, A member authentication unit for determining authentication of a store member, a financial institution member, and an intermediary member connected to the main server site; A product search unit for searching the product by the client; A store searching unit for searching for a store member registered by the client in the member authentication unit; An exchange rate retrieval unit that enables the client to retrieve the exchange rate of foreign coins in real time; A coin search unit for the client to search for foreign coins; And Foreign currency exchange system using a communication network comprising a service management unit for performing mutual management of shop members, financial institution members, intermediary members registered in the member authentication unit. The foreign currency exchange system using a communication network according to claim 1, wherein the client can use not only foreign coins but also cash, cyber money, and cards. The foreign coin exchange system using a communication network according to claim 1, wherein the store member registered in the store member site is a gas station, a convenience store, a game room, or the like that can use foreign coins. The foreign currency exchange system using a communication network according to claim 1, wherein the broker member registered at the broker member site is a travel agency. The foreign currency exchange system using a communication network according to claim 2, wherein the exchange rate retrieval unit is divided by the issuing country, the amount, and by the time of exchange. The foreign currency exchange system using a communication network according to claim 2, wherein the coin search unit is divided by the issuing country, the kind, and the issuing unit. The method of claim 2, wherein the service management unit is divided into information data management, coin aggregation management, coin deposit management, coin deposit management, coin demand management, and exchange fee management of the store member, financial institution member and intermediary member. Foreign currency exchange system using a communication network. A client site comprising an owner of a foreign coin and a buyer who needs a foreign coin, a store member site that can be used as a small amount of foreign coins by a user connected to the client site, and exchange the foreign coin. Claims [1] A foreign currency exchange method using a network consisting of a financial institution member site, a main server providing service information to members connected to each site, and a communication network interconnecting them using a communication means, Determining authentication of a store member, a financial institution member, and an intermediary member connected to the main server site; Connecting the client to the main server; Searching for foreign coins by a client connected to the main server; Retrieving the exchange rate of foreign coins in real time by a client connected to the main server; Searching for an offline store member on a site provided by the main server by the client connected to the main server; The client purchasing goods in foreign coins in the selected offline store; Exchanging foreign coins collected at the offline store at the financial institution member; And The foreign currency exchange method using a communication network, characterized in that the service management step of performing the mutual management of the store member, financial institution member and intermediary members authenticated in the member authentication step. 10. The method of claim 9, wherein the client accesses the main server to search for the goods provided by the main server, and after the client orders the goods on the main server site, foreign coins, cash, cyber money, and the like. The foreign currency exchange method using a communication network, characterized in that it further comprises the step of payment using a card. 10. The method of claim 9, further comprising: retrieving an intermediary member provided by the main server in the step of accessing the main server by the client possessing the foreign coin, and after the client selects the intermediary member on the main server site, Depositing coins into the intermediary member, acquiring foreign coins deposited by the intermediary member by the financial institution member, and remitting the settlement amount to the intermediary member by the financial institution member. Foreign currency exchange method using a communication network comprising a. 10. The method of claim 9, further comprising: searching for an intermediary member provided by the main server in the step of accessing the main server by the client in need of the foreign coin; and after the client selects an intermediary member on the main server site. Ordering foreign coins, purchasing the order coins by the broker member from the financial institution member, and delivering foreign coins purchased by the broker member to the client; Foreign currency exchange method using communication network. 10. The foreign currency exchange method using a communication network according to claim 9, wherein the store member registered in the store member site is a gas station, a convenience store, a game room, or the like that can use foreign coins. 10. The foreign currency exchange method using a communication network according to claim 9, wherein the broker member registered at the broker member site is a travel agency. 10. The method of claim 9, wherein the exchange rate retrieval unit is divided by the issuing country, the amount, and the time of exchange. 10. The method of claim 9, wherein the coin retrieval unit is divided by issuing country, type, and issuing unit. The method of claim 9, wherein in the service management step, information store management, coin counting management, coin deposit management, coin deposit management, coin demand management, and exchange fee management of the store member, financial institution member, and intermediary member are classified. Foreign currency exchange method using a communication network characterized in that.