WO2021015408A1

WO2021015408A1 - Unmanned currency exchange method and unmanned currency exchange system

Info

Publication number: WO2021015408A1
Application number: PCT/KR2020/006852
Authority: WO
Inventors: 이종선
Original assignee: 주식회사 코인트래빗
Priority date: 2019-07-23
Filing date: 2020-05-27
Publication date: 2021-01-28
Also published as: KR102124869B1; JP7016421B2; JP2021523428A; CN112689847A

Abstract

Disclosed is an unmanned currency exchange method using an unmanned currency exchange machine, the method comprising the steps in which: a currency exchange type and a currency type are selected; user authentication is performed; an exchange rate is applied to the currency input to the unmanned currency exchange machine to calculate a currency exchange amount; a reception method for the currency exchange amount is selected; and the currency exchange amount is received according to the selected reception method, wherein the reception method includes at least one of account transfer, card deposit transfer, and cash receipt.

Description

Unmanned currency exchange method and unmanned currency exchange system

The present invention relates to an unmanned currency exchange method and an unmanned currency exchange system, and more particularly, by using an unmanned currency exchange machine to perform currency exchange by various methods of receipt such as account transfer, card accumulation, and cash receipt, the existing banking system or private currency exchange business The present invention relates to an unmanned currency exchange method and an unmanned currency exchange system that not only solves the inconvenience of using currency exchange, but also allows you to receive the exchange amount to your own account without opening a separate new account.

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

In the case of the current currency exchange method, domestic travelers mainly use the banking system to exchange currency, while foreign travelers perform currency exchange through private currency exchange businesses.

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 if it is urgently needed because the operating hours are fixed.

In addition, in the case of domestic travelers, when returning home after completing an overseas trip, there is a limit to receiving the exchange amount in cash only when exchanging the remaining foreign currency into their own currency.

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

The present invention has been conceived to solve the above problems, and an object of the present invention is to provide an unmanned currency exchange capable of easily performing currency exchange without using an existing banking system or private currency exchange business when currency exchange is required anytime, anywhere. It is to provide an unmanned currency exchange method and an unmanned currency exchange system using Qi.

Another object of the present invention is to provide an unmanned currency exchange method and an unmanned currency exchange system using an unmanned currency exchange machine capable of transferring the currency exchange amount to one's own account without opening a new account.

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

The unmanned currency exchange method using the unmanned currency exchange machine according to the present invention for achieving the above object includes the steps of selecting a currency exchange type and a currency type, performing user authentication, and applying an exchange rate to the currency input to the Calculating, selecting a method of receiving the exchange amount, and executing the receiving of the exchange amount according to the selected receiving method, and the receiving method may be at least one of account transfer, card accumulation, and cash receipt. have.

In the step of selecting the currency exchange type and the currency type, at least one currency exchange type may be selected from coin exchange and bill exchange at the unmanned currency exchange machine, and the currency type to be converted to the unmanned currency exchange machine may be selected.

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

When the method of receiving the account transfer is selected, the unmanned money exchange machine transmits to the exchange management server that the method of receiving the account transfer has been selected, and the exchange management server receiving that the method of receiving the account transfer is selected sends an authorization code to the banking brokerage server. The step of requesting, the banking intermediary server receiving the authorization code, transmitting the authorization code to the exchange management server, the exchange management server receiving the authorization code, requests the banking intermediary server to generate an access token for login The banking intermediary server generates a login access token, and transmits the generated login access token to the currency exchange management server, the currency exchange management server calling a user login API to input user login information , The banking intermediary server inquires the user login status, and when the user's information is confirmed, transmitting the user account information to the exchange management server, the exchange management server receiving the user account information to the user account Transmitting a request for deposit in full to the banking intermediary server, and the banking intermediary server receiving the request for deposit of the exchange amount from the exchange management server to the user account, withdraws the amount of exchange from the exchange management account and the amount of exchange to the user account. It may include the steps of sequentially requesting deposit, and performing withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account.

The step of sequentially requesting withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account, wherein the banking brokerage server requests the first financial server holding the exchange management account to withdraw the exchange amount from the exchange management account. And requesting, by the banking brokerage server, to deposit a currency exchange amount into the user account from a second financial server holding a user account.

The step of performing the withdrawal of the exchange amount from the exchange management account and the deposit of the exchange amount to the user account, wherein the first financial server performs withdrawal of the exchange amount from the exchange management account and transmits the execution result to the banking brokerage server. And transmitting, by the second financial server, depositing the exchange amount to the user account and transmitting a result of the execution to the banking intermediary server.

When the method of receiving the credit card is selected, determining whether or not the credit card is owned, the determination result, the step of inserting the credit card into the unmanned exchange machine, and the exchange amount to the saved credit card. It may include the step of earning.

When the above method of receiving the credit card is selected, the step of determining whether the credit card is owned, the determination result, the step of determining whether a new credit card is desired if the credit card is not owned, the determination result, issuing a new credit card If desired, sending a request for issuance of a new credit card to the exchange management server, the exchange management server requesting the issuance of a new credit card to the card issuing brokerage server, and the card issuing brokerage server that is requested to issue a new credit card Is the step of transmitting the number of the new accumulation card to the exchange management server, and the exchange management server transmitting the number of the new accumulation card to the unmanned money exchange machine, the unmanned money exchange machine receiving the number of the new accumulation card It may include the step of issuing the accumulated new credit card.

When the cash receipt is selected, the exchange amount may be paid from the unmanned currency exchange machine.

In the unattended exchange system according to the present invention for achieving the above other object, the selection of the type of exchange and the type of currency is input, user authentication is performed, the exchange rate is applied to the input currency, and the amount of exchange is calculated, account transfer, cash Upon receipt of the selection of at least one of the method of receiving the exchange amount between receipt and card accumulation, and the selection of receiving the exchange amount of the account transfer from the unmanned exchange machine, an authentication request is made to execute the receipt of the exchange amount of the account transfer. When receiving an authentication request from the exchange management server, the exchange management server that transmits and requests the deposit of the exchange amount to the user account, the user login status is inquired, and the user account information is transmitted to the exchange management server, and withdrawal and deposit It has a banking brokerage server that sequentially requests a currency exchange management account, and when a withdrawal request is received from the banking brokerage server, a first financial server that performs withdrawal of the currency exchange amount from the currency exchange management account, and a user account. And a second financial server for depositing a currency exchange amount to the user account when a deposit request is received from the banking brokerage server.

In the unmanned exchange system according to the present invention for achieving the above and other objects, the selection of the exchange type and the currency type is input, user authentication is performed, the exchange rate is applied to the input currency, and the exchange amount is calculated, account transfer, cash When receiving that the selection of at least one exchange amount receiving method among collection and card accumulation is input, and when receiving that the exchange amount of card accumulation has been selected from the unmanned currency exchange machine, a new accumulation card is requested, and the new accumulation card A currency exchange management server that transmits a number to the unmanned currency exchange machine, and when receiving a request for issuance of a new credit card from the exchange management server, a card that generates a new credit card number and transmits the generated new credit card number to the exchange management server It may include an issuing mediation server.

According to the present invention, when currency exchange is required anytime, anywhere, there is an advantage of being able to easily perform currency exchange using an unmanned currency exchange machine without using an existing banking system or a private currency exchange business.

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

In addition, it is possible to receive the exchange amount through various methods such as cash receipt, account transfer, and card accumulation, so there is an advantage in that it is possible to exchange money according to the situation of the user.

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.

3 is a schematic flowchart of an unmanned currency exchange method using an unmanned currency exchange machine according to an embodiment of the present invention.

Fig. 4 is a flow chart schematically showing the execution of the exchange amount receipt when account transfer is selected.

FIG. 5 is a flowchart schematically illustrating a request for withdrawal of a currency exchange amount and deposit of a currency exchange amount in FIG.

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

It should be noted that technical terms used in the present specification are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present specification should be interpreted as generally understood by those of ordinary skill in the technical field to which the present invention belongs, unless otherwise defined in the present specification, and excessively comprehensive It should not be construed as a human meaning or an excessively reduced meaning. In addition, when a technical term used in the present specification is an incorrect technical term that does not accurately express the spirit of the present invention, it will be replaced with a technical term that can be correctly understood by those skilled in the art to be understood.

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

In addition, the singular expression used in the present specification includes a plurality of expressions unless the context clearly indicates otherwise. In the present application, terms such as "consist of" or "include" should not be construed as necessarily including all of the various elements or various steps described in the specification, and some of the elements or some steps It may not be included, or it should be interpreted that it may further include additional elements 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.

Referring to Figure 1, the unmanned exchange system 100 according to an embodiment of the present invention is an unmanned 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.

The unmanned currency exchange machine 10 inputs the selection of the currency exchange type and currency type, performs user authentication, applies the exchange rate to the input currency, calculates the exchange amount, and calculates at least one of account transfer, cash receipt, and card accumulation. A choice of how to receive the exchange amount may be entered. This is described in more detail as follows.

The unmanned currency exchange machine 10 may include an input unit to input a selection of a currency exchange type and a currency type, and input a selection of a method of receiving a currency exchange amount. The input unit may be a touch key, a mechanical key, or a touch screen, but is not limited thereto.

The unmanned currency exchange machine 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 an external device.

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

The unmanned currency exchange machine 10 may include a storage unit for storing coins and bills of each currency, and the storage unit may be classified and configured by each currency, and each currency may be classified and configured by coins and bills. have.

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

When the exchange management server 20 receives that the selection of receiving the exchange amount of the account transfer is input from the unmanned money exchange machine 10, the exchange management server 20 sends a user authentication request to the banking intermediary server 30 in order to execute the exchange amount of the account transfer. And request the banking intermediary server 30 to deposit the exchange amount into the user account.

When the banking brokerage server 30 receives a user authentication request from the exchange management server 20, it queries the user login status, transmits user account information to the exchange management server 20, and sequentially transfers withdrawal and deposit. As a result, it is possible to request the first financial server 40 and the second financial server 50.

The first financial server 40 has a currency exchange management account, and when a withdrawal request is received from the banking intermediary server 20, it may perform a currency exchange amount withdrawal from the currency exchange management account.

The second financial server 50 holds a user account, and when a deposit request is received from the banking intermediary server 20, it is possible to deposit the exchange amount to the user account.

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

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

When the exchange management server 20 receives that the selection of receiving the exchange amount of the card accumulation has been input from the unmanned currency exchange machine 10, the exchange management server 20 requests the issuance of a new accumulation card to the card issuance intermediary server 60, and the card issuance intermediary server ( The number of the new credit card received from 60) can be transmitted to the unmanned currency exchange machine (10).

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

3, the unmanned currency exchange method using the unmanned currency exchange machine according to an embodiment of the present invention includes inputting a selection of a currency exchange type and currency type (S100), performing user authentication (S200), and Step (S300) of calculating the amount of exchange by applying the exchange rate to the currency input to the currency exchange machine (S300), step of inputting the selection of the method of receiving the amount of exchange (S400), and step of receiving the exchange amount according to the selected receiving method ( S500) may be included.

In the step of inputting the selection of the currency exchange type and currency type (S100), the user may select at least one currency exchange type among coin exchange and bill exchange through the input unit of the unmanned exchange machine, and the currency type of each country to be exchanged may be selected. . In the selection of the currency exchange type and the currency type, the currency exchange type may be selected first and then the currency type of each country may be selected. Alternatively, the currency type of each country may be selected first, and the currency exchange type may be selected.

According to the present invention, both coins and bills can be exchanged through an unmanned currency exchange machine, so travelers can perform currency exchange according to their desired currency exchange type. Also, in the currency type, the US, Japan, and Europe , China, Hong Kong, Taiwan, Singapore, Malaysia, Philippines, Australia, Thailand, UK, Indonesia, Russia, Vietnam, Korea, etc. Currency of various countries can be exchanged, so travelers of various countries can use the unmanned currency exchange machine according to the present invention usefully. You can use the unmanned currency exchange method you used.

Thereafter, the user may perform user authentication through various authentication methods such as identification card authentication such as a passport, biometric authentication such as iris or fingerprint, barcode authentication, mobile phone number authentication, and sensor authentication (S200). In this embodiment, user authentication is performed after the selection of the currency exchange type and the currency type is completed, but the present invention is not necessarily limited thereto, and in another alternative embodiment, the currency exchange type is performed after user authentication is completed. And a choice of currency type can be entered.

The step of calculating the exchange amount (S300) is a step in which an exchange rate is applied to the money input to the unmanned exchange machine to calculate the exchange amount.

For example, when a foreign traveler wants to convert the remaining won into dollars after completing the domestic travel, the exchange rate can be applied to the inputted won to calculate the dollar exchange amount.

In this case, the exchange rate may vary depending on the type of currency exchange. In other words, 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 while being regularly or irregularly updated, and may be updated by receiving the exchange rate from the exchange management server by the unmanned currency exchange machine or by receiving the exchange rate from a third exchange rate information provider.

In the step S400 of inputting the selection of the method of receiving the exchange amount, the user selects at least one of account transfer, card accumulation, and cash receipt through the input unit of the unmanned currency exchange machine.

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

Referring to FIG. 4, when the user selects the method of receiving an account transfer, the unmanned money exchange machine transmits to the exchange management server that the method of receiving an account transfer has been selected (S511).

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

Upon receiving the authorization code request from the exchange management server, the banking intermediary server inquires about the service access authority and, if so, transmits the authorization code to the exchange management server (S513). At this time, the authorization code can be delivered to the callback URL.

Upon receiving the authorization code, the exchange management server requests the banking intermediary server to generate a login access token (S514).

The banking intermediary server generates a login access token, and transmits the generated login access token to the exchange management server (S515).

The exchange management server calls the user login API and inputs user login information (S516). In an alternative embodiment, it is possible to log in with non-face-to-face contact 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 exchange management server (S517).

Upon receiving the user account information, the exchange management server transmits a request for deposit of the exchange amount to the user account to the banking brokerage server (S518).

The banking brokerage server receiving the request for deposit of the exchange amount from the exchange management server to the user account sequentially transfers the withdrawal of the exchange amount from the exchange management account and the deposit of the exchange amount to the user account to the first financial server and the second financial server. Make a request (S519-1).

Withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account are respectively performed by the first financial server and the second financial server (S519-2).

Referring to FIG. 5, the banking brokerage server requests withdrawal of the currency exchange amount from the currency exchange management account to a first financial server holding a currency exchange management account (S519-1a).

The banking brokerage server requests the second financial server holding the user account to deposit the amount of money exchanged into the user account (S519-1b).

The first financial server, which has received a request for withdrawal of the exchange amount, performs withdrawal of the exchange amount from the exchange management account (S519-2a). The execution result may be transmitted to the banking intermediary server. The banking intermediary server may transmit the received execution result to the currency exchange management server.

The second financial server receiving the request for deposit of the exchange amount performs the deposit of the exchange amount to the user account (S519-2b). The execution result may be transmitted to the banking intermediary server. The banking intermediary server may transmit the received execution result to the currency exchange management server. The exchange management server may transmit the received execution result to the unmanned currency exchange machine. The result of depositing the exchange amount transmitted to the unmanned currency exchange machine may be provided to the user through the output unit of the unmanned currency machine.

Receiving the currency exchange amount through bank transfer can improve convenience rather than receiving the exchange amount directly in cash when foreign tourists return to their home country after traveling in Korea.

Referring to FIG. 6, when the user selects the method of receiving credit card, the unmanned money exchange machine outputs a message indicating whether or not the user owns the credit card (S521).

If the user owns the credit card, a response indicating that the user owns the credit card is input to the unmanned currency exchange machine, and the credit card is input to the unmanned currency exchange machine (S522).

The unmanned currency exchange machine accumulates the amount of exchange to the input credit card (S523). At this time, the unmanned currency exchange machine may transmit the information on the accumulation of currency exchange amounts to the server of the corresponding accumulation card.

If the user does not own the credit card, a message indicating whether the user wishes to issue a new credit card is output (S524).

When the user inputs a response indicating that he/she wishes to issue a new credit card to the unmanned currency exchange machine, the unmanned currency exchange machine transmits a request for issuing a new credit card to the currency exchange management server (S525).

Upon receiving the request for issuing a new credit card, the exchange management server may request issuance of a new credit card to the card issuing mediation server (S526).

The card issuing intermediary server that has received a request for issuance of a new earned card may generate information on a new earned card and transmit the number of the new earned card to the exchange management server (S527).

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

The unmanned currency exchange machine receiving the number of the new accumulation card may issue a new accumulation card in which the exchange amount is accumulated (S529). To explain this in more detail, the unmanned currency exchange machine that received the number of the new accrual card transmits the information of the amount of exchange to be accumulated to the exchange management server, and the exchange management server requests that the amount of exchange to be accumulated to the card issuing intermediary server is accumulated on the new card. do. Unmanned currency exchange machines issue new accrual cards with the amount of currency exchanged. The unmanned currency exchange machine is equipped with a card issuing unit for issuing new cards.

In the case of receiving the exchange amount through card accumulation, it is useful not only to accumulate the card you own, but also to accumulate the card through issuance of a new card through an unmanned currency exchange machine.

In addition, it is possible to improve the convenience of travelers by accumulating the exchange amount on a card that is convenient for payment and then using it when necessary, rather than cash, which is cumbersome to calculate when paying. In addition, by accumulating the exchange amount on a card that is easier to carry than cash even after completing the trip, you can promote convenience when returning home.

Finally, when the user chooses to receive cash, the unmanned currency exchange machine may pay the calculated currency exchange amount to the user through the dispensing outlet of the unmanned currency machine.

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. Anyone of ordinary skill in the above can of course implement various modifications, as well as such modifications are within the scope of the claims.

The present invention is applicable to the travel industry field using an unmanned currency exchange method and an unmanned currency exchange system.

Claims

Selecting a currency exchange type and a currency type by the unmanned currency exchange machine;

Performing user authentication by the unmanned currency exchange machine;

Calculating a conversion amount by applying an exchange rate to the currency input to the unmanned currency exchange machine by the unmanned currency exchange machine;

Selecting an account transfer as a method of receiving the exchange amount by the unmanned currency exchange machine;

The unmanned currency exchange machine transmitting a selection of an account transfer reception method to a currency exchange management server;

The currency exchange management server receiving that the method for receiving the account transfer is selected, requesting an authorization code from the banking intermediary server;

Transmitting the authorization code to the currency exchange management server by the banking intermediary server receiving the authorization code;

The exchange management server receiving the authorization code requesting to generate a login access token from the banking intermediary server;

The banking intermediary server generating a login access token and transmitting the generated login access token to the exchange management server;

The currency exchange management server calling a user login API to input user login information;

The banking intermediary server inquiring a user login status, and when the user information is confirmed, transmitting user account information to the currency exchange management server;

Transmitting, by the exchange management server receiving the user account information, a request for depositing the exchange amount to the user account to the banking intermediary server;

The banking brokerage server receiving a request for deposit of the exchange amount from the exchange management server to the user account, sequentially requesting withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account; And

And performing withdrawal of the exchange amount from the exchange management account by a first financial server and depositing the exchange amount to the user account by a second financial server.
The method of claim 1,

The step of selecting the currency exchange type and currency type,

By the unmanned currency exchange machine, at least one currency exchange type is selected from coin exchange and bill exchange,

An unmanned currency exchange method, characterized in that the currency type to be converted is selected by the unmanned currency exchange machine.
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.
The method of claim 1,

The steps of sequentially requesting withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account include,

The banking brokerage server requesting a withdrawal of the currency exchange amount from the currency exchange management account to a first financial server holding a currency exchange management account; And

And requesting, by the banking brokerage server, to deposit the exchange amount into the user account from a second financial server having a user account.
The method of claim 1,

The steps of performing the withdrawal of the exchange amount from the exchange management account by the first financial server and the deposit of the exchange amount to the user account by the second financial server,

Performing, by the first financial server, withdrawal of a currency exchange amount from the currency exchange management account and transmitting a result of the execution to the banking brokerage server; And

And transmitting, by the second financial server, the exchange amount to the user account and transmitting the result to the banking intermediary server.
An unmanned money exchange machine in which 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 to calculate a conversion amount, and an account transfer is selected as a method of receiving the exchange amount;

A currency exchange management server for transmitting an authentication request to execute the receipt of the exchange amount of the account transfer, and requesting the deposit of the exchange amount to the user account when receiving that the selection of the exchange amount of the account transfer is input from the unmanned money exchange machine;

When receiving an authentication request from the exchange management server, a banking brokerage server for inquiring a user login status, transmitting user account information to the exchange management server, and sequentially requesting withdrawal and deposit;

A first financial server that has a currency exchange management account and performs withdrawal of a currency exchange amount from the currency exchange management account when a withdrawal request is received from the banking brokerage server; And

Including; a second financial server that holds a user account and performs a transfer amount deposit to the user account when a deposit request is received from the banking intermediary server,

The exchange management server requests an authorization code from the banking intermediary server, and the banking intermediary server receiving an authorization code transmits the authorization code to the exchange management server,

The exchange management server receiving the authorization code requests creation of a login access token to the banking intermediary server, the banking intermediary server generates a login access token, and sends the generated login access token to the exchange management server. Unmanned currency exchange system, characterized in that transmitting.
The method of claim 6,

The exchange management server calls the user login API to input user login information, the banking brokerage server inquires the user login status, and when the user's information is confirmed, transmits the user account information to the exchange management server, and the user The exchange management server receiving the account information transmits a request for deposit of the exchange amount to the user account to the banking brokerage server.
The method of claim 7,

The banking brokerage server receiving a request for deposit of the exchange amount from the exchange management server to the user account sequentially requests withdrawal of the exchange amount from the exchange management account and deposit of the exchange amount to the user account. .