KR20100037068A - Server for processing transfer of exchange money - Google Patents

Abstract

PURPOSE: An exchanged money transferring processing server is provided to provide an exchanged money transferring processing server which equips an information transmitter which transfers an exchanged money withdrawal approval codes to a wireless terminal. CONSTITUTION: A wireless terminal number confirming unit(130) provides a wireless terminal number information of a second client. The second client receives a money exchange cost from a client terminal. An information transmitter(115) transmits exchanged a money withdrawal code to a wireless terminal by using confirmed wireless terminal number information.

Description

Server for Processing Transfer of Exchange Money

The present invention performs a currency exchange process in response to the exchange request of the client terminal, the wireless terminal number confirmation unit further receiving the wireless terminal number information of the second client to receive the exchange amount from the client terminal, and the wireless terminal number confirmation It relates to a money exchange value transfer processing server further comprising an information transmission unit for transmitting the money exchange amount withdrawal approval code to the wireless terminal using the wireless terminal number information confirmed through the unit.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

Therefore, in the conventional currency exchange service, the customer has to be inconvenient to visit the corresponding point in order to receive the money exchange request and / or money exchange request amount. And, if the exchange window is complicated, the customer had to take more time damages.

In addition, there was an inconvenience of having to carry out the exchange processing history until the exchange of money received, there was also the hassle to reprint if lost, it is time to find a more convenient and simple exchange service from the customer's point of view.

An object of the present invention is to perform a currency exchange process in response to the exchange request of the client terminal, and a wireless terminal number confirmation unit further receiving the wireless terminal number information of the second client to receive the exchange amount from the client terminal, and the wireless terminal It is to provide a money exchange value transfer processing server further comprising an information transmission unit for transmitting the money exchange amount withdrawal approval code to the wireless terminal by using the wireless terminal number information confirmed through the number confirmation unit.

The money exchange money transfer processing server according to the present invention performs the money exchange processing in response to the money exchange request of the client terminal, and confirms the radio terminal number further receiving the radio terminal number information of the second client to receive the money exchange amount from the client terminal. And an information transmitter for transmitting the exchange money withdrawal approval code to the wireless terminal by using the wireless terminal number information confirmed through the wireless terminal number confirmation unit.

According to the present invention, when the customer's exchange request, by providing the details of the exchange request processing to the wireless terminal of the customer, when the customer withdraws the exchange amount, the exchange request processing history (or receipts), etc., which had to be carried in the past, The advantage is that it can be provided.

In addition, when the customer applies for exchange of money, the customer can withdraw the exchange money to other customers, there is an advantage that the gift of the exchange money can be carried out more conveniently.

In addition, operators (for example, financial institutions, etc.) can provide customers with more money exchange services by providing a simpler and faster currency exchange service, thereby taking advantage of the growing market for money exchange services. have.

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.
2 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.
3 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.
4 is an exemplary diagram of a client wireless terminal screen according to a preferred embodiment of the present invention.
5 is a view showing a schematic configuration of an exchange processing system according to another preferred embodiment of the present invention.
6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.
7 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.

Referring to FIG. 1, the illustrated currency exchange processing system includes a client terminal 140 providing predetermined exchange request information to a server (or terminal) 100 and performing a predetermined exchange processing task in response to the exchange request. It may be configured to include a currency exchange server (or terminal) 100.

Preferably, the exchange request information provided from the client terminal 140 to the currency exchange server (or terminal) 100 via a wired or wireless network includes information on the currency type and currency request amount of the currency to be exchanged and the currency request. Account (or card) information for withdrawal of the corresponding amount, the exchange request client information, selection information of the kind of exchange preferential service to be provided when the exchange request, exchange date information corresponding to the exchange request and / or a currency exchange branch Information, account (or card) information of the second client to withdraw the exchange amount provided in correspondence with the exchange process (or account information of the account to which the amount exchanged in response to the exchange request is transferred), and the second Client information (or account holder information to which the exchanged amount is transferred) and financial institution information corresponding to the account to which the exchanged amount is transferred; Least it characterized in that it comprises one or more than one.

In more detail, the currency exchange processing server (or terminal) 100 is further provided with predetermined wireless terminal number information from the client terminal 140, and / or in conjunction with a database for storing predetermined member information. The exchange of money to the wireless terminal 140 using the wireless terminal number verification unit 130 for extracting the wireless terminal number information of the client and the wireless terminal number information confirmed through the wireless terminal number identification unit 130. It may be configured to include an information transmission unit 115 for transmitting the details information (and / or the predetermined currency exchange withdrawal authorization code generated and / or generated corresponding to the exchange processing).

In addition, the currency exchange processing server (or terminal) 100 stores predetermined currency exchange history information corresponding to the currency exchange processing in association with the client information and / or account (or card) information of the client and stores the predetermined currency. The storage unit 120 may further include a storage unit 120 to store in a medium.

In addition, the exchange processing server (or terminal) 100, by referring to the customer information and / or exchange application information (exchange amount of money, etc.) of the client, by applying a predetermined exchange rate of exchange, and / / Alternatively, the incentive providing unit 125 may provide a predetermined point and / or mileage to the client in response to the exchange process.

In addition, when the information transmission unit 115 of the currency exchange processing server (or terminal) 100 is further provided with currency exchange branch information corresponding to the exchange request from the client terminal 140, it corresponds to the exchange request The exchange branch office server (or terminal) 150 may transmit the exchange processing history information, the client information and / or the client owned account (or card) information and / or the wireless terminal number information.

Referring to FIG. 1, the illustrated wireless terminal 140 stores the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted by the exchange processing server (or terminal) 100 in a predetermined memory. When the currency exchange amount corresponding to the currency exchange process is withdrawn, the currency exchange process history information (and / or the exchange amount withdrawal approval code) stored in the memory may be output, and / or provided to a predetermined currency exchange terminal 150. have.

Preferably, the exchange processing history information includes currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information of the currency exchange client, Exchange exchange preferential service type information provided at the time of the exchange request, information on the date of exchange and / or exchange offices, and account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process; The account information of the account to which the exchanged amount is transferred in response to the exchange request), the second client information (or account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the The exchanged amount may be configured to include at least one or more financial institution information corresponding to the account to be transferred.

Here, the wireless terminal 140 may be the wireless terminal 140 of the exchange request client, or the wireless terminal 140 of the second client to withdraw the exchange amount provided in response to the exchange process. Processing history information (and / or exchange money withdrawal authorization code) is preferably transmitted to the exchange terminal 1500 through a predetermined short-range communication.

Currency exchange terminal 150 shown in Figure 1, in conjunction with the exchange processing server (or terminal) 100, the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the wireless terminal 150 After authenticating the validity, the exchange money amount corresponding to the money exchange processing history information (and / or money amount withdrawal authorization code) is withdrawn to the wireless terminal-owning client.

Preferably, the currency exchange terminal 150 is characterized in that it comprises at least one window terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a branch of a financial company.

2 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

Figure 2 generates and / or extracts a predetermined exchange withdrawal approval code corresponding to the exchange processing history in the exchange process according to the present invention, the client's wireless terminal 140 ), The process of performing a currency exchange withdrawal using the currency exchange withdrawal approval code.

Referring to Figure 2, the exchange request client can be initiated from the process of transmitting the exchange request information according to the present invention, connected to the exchange processing server 100 via a wired or wireless network, using a predetermined terminal 140 ( 200).

The exchange processing server 100 receiving the exchange request information from the client terminal 140 performs a currency exchange operation through the transmitted exchange request information (205), and the exchange process history according to the exchange process Information is stored 210 in a predetermined storage medium 145 in association with the client information and / or account (or card) information.

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

In addition, according to a preferred embodiment, the currency exchange processing server 100 generates (and / or extracts) a currency exchange withdrawal authorization code corresponding to the currency exchange processing details to be transmitted to the client wireless terminal 140 (215), The generated (and / or extracted) exchange rate withdrawal authorization code is stored in the storage medium 145 in association with the exchange request information and / or client information and / or client account (or card) information (220).

In addition, the exchange processing server 100 searches for the client wireless terminal information to transmit the generated (and / or extracted) exchange money withdrawal authorization code in association with the customer database 135 or the like (225). If the wireless terminal information of the client does not exist in the customer database 135 (230), the exchange processing server 100 transfers the generated exchange amount withdrawal authorization code to the client terminal 140; By requesting the wireless terminal information to be transmitted (235), it is possible to obtain the wireless terminal information to receive the exchange money withdrawal authorization code from the client terminal 140 (240).

On the other hand, if the wireless terminal information of the client already exists in the customer database 135 (245), the exchange processing server 100 extracts the wireless terminal information of the client from the customer database 135 (250) ), Using the wireless terminal information of the client extracted from the customer database 135 or transmitted from the client terminal 140, the exchange money withdrawal authorization code is transmitted to the client wireless terminal 140 (255). ).

Preferably, the exchange processing server 100 may transmit a predetermined message (for example, a text message) informing the transmission of the exchange money withdrawal authorization code to the client wireless terminal 140, wherein the message It may include a predetermined callback URL for access to the exchange processing server 100 and / or download a currency exchange withdrawal approval code.

Then, the wireless terminal 140 is a memory chip provided in the wireless terminal 140 and / or the IC chip detachable to the wireless terminal 140, the exchange amount withdrawal authorization code transmitted from the exchange processing server 100 May be stored at 260.

In addition, when withdrawing the exchange amount, the wireless terminal 140 provides the exchange rate withdrawal authorization code stored in the memory and / or the IC chip to a predetermined exchange terminal 150, wherein the exchange rate withdrawal authorization code is Predetermined data communication (eg, infrared ray communication, radio frequency (RF) communication, Bluetooth communication, wireless LAN communication, WiFi (Wireless LAN) communication between the wireless terminal 140 and the exchange terminal 150). Wi-Fi), ZigBee communication, UWB communication, etc.) (265).

According to another preferred embodiment, when the exchange amount withdrawal approval code is in the form of a barcode, the exchange terminal 150 scans the exchange amount withdrawal authorization code output to the wireless terminal 140, the currency exchange A debit authorization code may be provided.

As described above, the exchange terminal 150 receiving the exchange rate withdrawal authorization code from the wireless terminal 140, in conjunction with a storage medium that stores the exchange rate withdrawal authorization code and / or the corresponding exchange processing history, The validity of the exchange amount withdrawal approval code provided from the wireless terminal 140 is checked (270).

If the validation of the exchange amount withdrawal authorization code provided from the wireless terminal 140 fails (275), the exchange terminal 150 transmits the exchange amount withdrawal authorization code authentication failure message to the wireless terminal 140 and And / or provide to the client (280).

On the other hand, if the validity of the exchange rate withdrawal authorization code provided from the wireless terminal 140 is authenticated (285), the exchange terminal 150 may provide the client with a currency exchange amount corresponding to the exchange rate withdrawal authorization code. There is (290).

3 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

FIG. 3 is a currency exchange process corresponding to an exchange request of the client without generating and / or extracting a predetermined currency withdrawal approval code corresponding to the currency exchange process described above in FIG. It provides a process for providing the exchange money exchange history information to the client wireless terminal 140, and withdraw the money exchange amount from the money exchange terminal 150 using the money exchange history information.

Referring to Figure 3, in the illustrated embodiment, the exchange request client is connected to the exchange processing server 100 via a wired or wireless network using a predetermined terminal 140, and transmits the exchange request information according to the present invention ( 300, the exchange processing server 100 having received the exchange request information from the client terminal 140 may be started from a process of performing a currency exchange operation through the exchange request information.

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

Here, the exchange processing server 100 stores the exchange processing history information according to the exchange processing operation in a predetermined storage medium 145 in association with the client information and / or account (or card) information (310). .

In addition, the exchange processing server 100 searches for the client wireless terminal information to transmit the exchange processing history information in conjunction with a customer database 135, etc., which is provided (315).

If the wireless terminal information of the client does not exist in the customer database 135 (320), the exchange processing server 100 requests the wireless terminal information to transmit the exchange processing history information to the client terminal 140. In operation 325, wireless terminal information to receive the exchange processing history information may be obtained from the client terminal 140 (330).

On the other hand, if the wireless terminal information of the client is already present in the customer database 135 (335), the exchange server 100 extracts the wireless terminal information of the client from the customer database 135 (340) In step 345, the exchange processing history information is transmitted to the client wireless terminal 140 using the wireless terminal information of the client extracted from the customer database 135 or transmitted from the client terminal 140. .

As described above in FIG. 2, the exchange processing server 100 may transmit a predetermined message (for example, a text message) informing the transmission of the exchange processing history information to the client wireless terminal 140. In this case, the message may include a predetermined callback URL for accessing the exchange processing server and / or downloading exchange processing history information.

In addition, the wireless terminal 140 exchanges the exchange processing history information transmitted from the exchange processing server 100 with a memory provided in the wireless terminal 140 and / or an IC chip detachable to the wireless terminal 140. When the exchange amount is withdrawn (350), by providing the exchange processing history information stored in the memory of the wireless terminal 140 and / or the IC chip to a predetermined exchange terminal 150, the withdrawal of the exchange amount is performed. can do.

In addition, as described above with reference to FIG. 2, the exchange processing history information stored in the memory and / or the IC chip of the wireless terminal 140 is transmitted to the exchange terminal 150 by infrared ray communication, RF (Radio Frequency). It may be transmitted using predetermined data communication including communication, Bluetooth communication, Wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, and so on (355).

In addition, when the exchange processing history information includes a form of a predetermined bar code, the exchange terminal 150 receives the exchange processing history information by scanning the bar code, etc. output to the wireless terminal 140. Can be.

The exchange terminal 150 receiving the exchange processing history information for the exchange request of the client from the wireless terminal 140, in conjunction with the storage medium 145 for storing the exchange processing history, the wireless terminal 140 The validity of the exchange processing history information and / or the client information provided from the third party may be verified 360.

If the validity authentication for the exchange processing history information provided from the wireless terminal 140 fails (365), the exchange terminal 150 transmits the exchange processing history information authentication failure message to the wireless terminal 140 and / or Can be provided to the client (370).

However, if the validity of the exchange processing history information provided from the wireless terminal 140 is authenticated (375), the exchange terminal may provide the client with a currency exchange amount corresponding to the exchange processing history information (380).

4 is a diagram illustrating a screen of a client wireless terminal 140 according to a preferred embodiment of the present invention.

In the drawing, in the course of the exchange process according to the preferred embodiment of the present invention, the exchange amount withdrawal authorization code corresponding to the exchange processing and / or exchange processing history processed in the exchange processing server 100 via the wireless network It is a simple screen example output to the client wireless terminal 140.

According to a preferred embodiment of the present invention, the client wireless terminal 140 receiving the exchange money withdrawal approval code corresponding to the exchange processing history is the client wireless terminal 140 applying for the exchange processing or the following Figure 6 It may be noted that the client described through the above may be a second client radio terminal designated or selected.

Referring to FIG. 4, the exchange rate withdrawal approval code corresponding to the exchange processing history from the exchange processing server 100 may be provided to the client wireless terminal 140 through a predetermined message.

For example, when a currency exchange process is performed and a currency exchange process history and / or a currency exchange withdrawal approval code corresponding thereto is generated, the currency exchange server 100 sends a predetermined message (eg, a text message) to the client wireless terminal 140. Etc.), and the client wireless terminal 140 accesses the exchange processing server 100 and / or the storage medium 145 (server) through the callback URL included in the message, and the like. You can download the authorization code for withdrawal of the exchange money corresponding to the transaction details.

In addition, as shown, the exchange amount withdrawal approval code corresponding to the exchange processing history, may be made in the form of a specific code including a bar code, but not limited to, consisting of numbers and / or letters, and / Or a specific image and / or a specific sound.

In addition, the exchange processing history and / or the exchange amount withdrawal approval code corresponding thereto downloaded and stored in the wireless terminal 140 may be output on the screen of the wireless terminal 140, and the above-described infrared ray Through the short-range data communication including communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, Wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, the exchange terminal ( 150).

In addition, as shown, when the currency exchange processing history and / or money exchange withdrawal approval code corresponding thereto is output in the form of a two-dimensional barcode on the screen of the wireless terminal 140, it is provided in the currency exchange terminal 150 Through any reader capable of reading, the barcode can be read.

5 is a diagram showing a schematic configuration of an exchange processing system according to another preferred embodiment of the present invention.

According to another preferred method of the present invention, the currency exchange processing system shown in FIG. 5 may be exchanged and / or generated (or extracted) in response to a currency exchange request of a client (eg, a currency exchange client). A currency exchange amount withdrawal code is provided to the second client wireless terminal 140 designated (or selected) by the client, and the exchange rate withdrawal code generated and / or correspondingly exchanged is exchanged. Through the provided second client wireless terminal 140, the money exchange amount is withdrawn.

In addition, each component on the currency exchange processing system shown in this drawing may be configured in the same manner as the components of the currency exchange processing system described in FIG. 1, but the details of the exchange processing to the second client wireless terminal 140 and It may be configured to further include an additional function for transmitting the exchange amount withdrawal code generated (or extracted) correspondingly.

Preferably, the illustrated currency exchange processing system includes a client terminal 140 for providing predetermined exchange request information to a server (or terminal) 100 and a currency exchange processing server for performing a predetermined exchange processing task in response to the exchange request. (Or terminal) 100 may be configured to include.

Referring to FIG. 5, the exchange processing server (or terminal) 100 further receives predetermined wireless terminal number information from the client terminal 140 and / or stores a database 135 that stores predetermined member information. ) And the wireless terminal 140 using the wireless terminal number identification unit 130 to extract the wireless terminal number information of the client and the wireless terminal number information confirmed by the wireless terminal number identification unit 130. It may be configured to include an information transmission unit 115 for transmitting the exchange exchange history information (and / or a predetermined exchange amount withdrawal authorization code generated and / or generated corresponding to the exchange processing).

In addition, the illustrated wireless terminal 140, the currency exchange processing information (and / or exchange amount withdrawal authorization code) transmitted by the exchange processing server 100 (or terminal) provided in correspondence to the exchange process It is characterized in that the transfer to the wireless terminal 140 of the second client to withdraw the amount.

Here, the wireless terminal 140 of the second client stores the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted by the client wireless terminal 140 in the predetermined memory, and performs the exchange processing. When the currency exchange amount corresponding to the details is withdrawn, currency exchange process history information (and / or currency exchange withdrawal authorization code) stored in the memory may be output and / or provided to a predetermined currency exchange terminal 150, and Through the short-range communication of the exchange processing history information (and / or money exchange withdrawal authorization code) may be transmitted to the exchange terminal 150.

In addition, the exchange terminal 150, in conjunction with the exchange processing server 100 (or terminal), exchange processing history information (and / or exchange amount of money) transmitted (provided) from the second client wireless terminal 140 After verifying the validity of the withdrawal approval code), it is characterized in that the second client withdraws the exchange amount.

The currency exchange processing history information includes currency exchange currency type information, currency exchange amount information, client account (or card) information, currency exchange client information, wireless terminal number information of the currency exchange client, Exchange exchange preferential service type information provided at the time of exchange application, the exchange date information and / or exchange office information, and the account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or the The account information of the account to which the exchanged amount is transferred in response to the exchange request), the second client information (or the account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the exchange It is preferable that at least one financial institution information corresponding to the transferred account is included.

6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

Figure 6 is a currency exchange processing process according to the present invention, through the exchange processing system described above in Figure 5, the exchange processing history information (and / or exchange amount withdrawal authorization code) processed in response to the exchange request of the client Providing to the second client wireless terminal 140 designated (or selected) by the client, and the second client withdraws the exchange amount from the exchange terminal 150 using the provided exchange information. It is about.

Referring to FIG. 6, in the illustrated embodiment, a client (eg, a currency exchange client) accesses a currency exchange server 100 through a wired or wireless network, transmits currency exchange request information (600), and the client terminal 140. Through the exchange request information transmitted from, it may be started from the process of performing a predetermined exchange processing operation (605).

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

When the exchange processing operation is performed, the exchange processing server 100 links the exchange processing history information (and / or the exchange amount withdrawal authorization code) according to the exchange processing with the client information and / or account (or card) information. In operation 610, the storage medium 145 is stored.

Here, when the exchange request client wants to receive the exchange processing history information (and / or exchange money withdrawal authorization code) to his wireless terminal 140 (615), the above-mentioned A or FIG. The invention can be practiced according to the procedure of B.

However, according to the present embodiment, if the exchange request client wants to transmit the exchange processing history information (and / or exchange amount withdrawal authorization code) to the wireless terminal 140 of the second client (620), the exchange processing server In operation 100, the client terminal 140 requests the second client information and / or the wireless terminal information to withdraw the exchange processing amount from the client terminal 140 to extract the exchange processing amount from the client terminal 140. 2 client information and / or wireless terminal information may be received (630).

Then, the exchange processing server 100 stores the second client information and / or wireless terminal information in association with the exchange processing history information (and / or a currency exchange withdrawal authorization code) (635), and the second client. Using the wireless terminal information, the exchange processing history information (and / or exchange amount withdrawal authorization code) is transmitted to the second client wireless terminal 140 (640).

In addition, the second client wireless terminal 140 is provided with the memory and / or provided with the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the exchange processing server 100; By storing in the IC chip (645), according to the present invention, the second client uses the exchange processing history information (and / or exchange amount withdrawal authorization code) provided to the wireless terminal 140, the currency exchange processing history information It is possible to withdraw the exchange amount corresponding to the (and / or the exchange amount withdrawal authorization code).

Referring to FIG. 6, when the second client wants to withdraw the exchange amount, the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the wireless terminal 140 may be used. Provided to the exchange terminal 150 (650).

Here, as described above, the transfer of the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the wireless terminal 140, preferably uses predetermined short-range data communication. .

For example, short-range data communication between the wireless terminal 140 and the currency exchange terminal 150 may include infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth) communication, wireless LAN communication, and Wi-Fi (WiFi). Wi-Fi) communication, ZigBee communication, UWB communication and the like.

When the exchange processing history information (and / or the exchange amount withdrawal authorization code) is transmitted from the second client wireless terminal 140, the exchange terminal 150 is interworked with the storage medium 145 and the wireless terminal 140 Check the exchange information (and / or exchange amount withdrawal authorization code) provided from the (655), and performs the authentication of the provided exchange processing history (and / or exchange amount withdrawal authorization code).

Here, if the authentication of the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal 140 fails (660), the exchange terminal 150 is the exchange processing history (and / or exchange) A withdrawal authorization code) authentication failure message may be provided to the second client radio terminal 140 and / or the client (665).

On the other hand, if the authentication of the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal 140 is successful, the exchange terminal 150 to the second client to the wireless terminal 140 In operation 670, the exchange amount corresponding to the exchange processing history information (and / or the exchange amount withdrawal approval code) provided from the present invention is provided.

7 is a schematic diagram of an information storage medium 145 according to a preferred embodiment of the present invention.

The illustrated storage medium 145 stores at least one or more pieces of information required to perform a currency exchange process according to the present invention, and is preferably provided on the currency exchange system of FIGS. 1 and 5 described above.

In particular, the storage medium 145 is provided in the exchange processing server 100 on the exchange processing system shown in FIGS. 1 and 5, and / or a predetermined network connecting each component on the exchange processing system. It may be provided on, and / or provided on the exchange terminal 150.

According to the present invention, as shown, the storage medium 100, the exchange request information and / or the exchange of money exchanged (or provided) from the client terminal 140 to the exchange processing server 100 when the exchange request The exchange information may be included in the exchange information based on the application information.

Here, the exchange request information stored in the storage medium 145 may include information on the currency type and currency request amount, and / or account (or card) information for withdrawing the amount corresponding to the exchange request, and / or Corresponding to the exchange request client information, and / or selection information of a kind of exchange preferential service to be provided when the exchange request, and / or exchange date information corresponding to the exchange request and / or exchange office information, and / or the exchange process Account (or card) information of the second client to withdraw the exchange amount provided (or the account information of the account to which the amount exchanged in response to the exchange request is transferred), and / or the second client information (or the currency exchange). Account holder information to which the transferred amount is transferred), and / or at least one financial institution information corresponding to the account to which the exchanged amount is transferred. The.

Further, the exchange processing history information that can be stored in the storage medium 145 may include currency exchange currency type information, currency exchange amount information, and / or client account (or card) information, currency exchange client information, and And / or the wireless terminal number information of the exchange request client, and / or the exchange preferential service type information provided in the exchange request, and / or the exchange date information and / or the exchange office information, and / or the exchange process Account (or card) information of the second client to withdraw the exchange money provided (or account information of the account to which the money exchanged in response to the exchange request is transferred), and / or the second client information (or the exchanged money) Account holder information to which an amount is transferred), and / or the second client radio terminal number information, and / or a financial instrument corresponding to an account to which the exchanged amount is transferred The information can comprise at least one.

100: currency exchange server 105: interface
110: currency exchange unit 115: information transmission unit
120: storage unit 125: incentive providing unit
130: wireless terminal number verification unit 135: member (customer) database
140: client terminal 145: storage medium
150: currency exchange terminal 155: information input unit
160: certification unit 165: currency exchange processing unit

Claims (1)

In the exchange processing server that performs the exchange processing business in response to the exchange request of the client terminal,
A wireless terminal number confirming unit which is further provided with wireless terminal number information of a second client to receive a money exchange amount from a client terminal;
And an information transmission unit for transmitting the exchange rate withdrawal approval code to the wireless terminal by using the wireless terminal number information confirmed through the wireless terminal number verification unit.

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