JP7614482B1 - Method for supporting application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions and computing device using the same - Google Patents

Abstract

A method for supporting applications for home delivery of foreign currency by referring to exchange rate information of multiple financial institutions is provided.
[Solution] The method includes: (a) when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving foreign currency delivery are input by a user terminal, the computing device supports displaying 1st to nth specific financial institutions having high priority scores among the partner financial institutions from which partner membership application information has been obtained, and the corresponding 1st to nth specific exchange source amount information; and (b) when at least one is selected among a kth specific financial institution included in the 1st to nth specific financial institutions and a kth specific exchange source amount information included in the 1st to nth specific exchange source amount information, supporting using the user terminal to apply for foreign currency delivery to a kth specific financial institution terminal corresponding to the kth specific financial institution.
[Selected Figure] Figure 1

Description

This invention relates to a method for supporting applications for home delivery of foreign currency by referring to exchange rate information of multiple financial institutions, and a computing device using the same (METHOD FOR SUPPORTING FOR REINFORCEMENT OF CURRENCY DELIVERY SERVICE BY REFERRING TO INFORMATION ON EXCHANGE RATE OF MULTIPLE-TYPE FINANCIAL INSTITUTES AND COMPUTING DEVICE USING THE SAME).

Ordinary people now use banks and private exchange offices to purchase foreign currency, and most exchange offices offer customers a much more favorable exchange rate than banks.

However, there are differences in exchange rates between exchange offices. Unlike banks, exchange offices rarely announce their exchange rates online, and because exchange rates fluctuate from moment to moment, it is impossible to compare the exchange rates of exchange offices scattered across different regions at the same time.

This has created a need for services that help customers who wish to exchange money to exchange under conditions that are favorable to them (exchange rate, amount, distance, etc.), while at the same time encouraging competition over exchange rates among private exchange offices, and at the same time allowing customers to receive their exchanged foreign currency more conveniently.

The present invention aims to solve all of the above problems.

Another object of the present invention is to support, when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving foreign currency delivery are inputted by a user terminal, the first specific financial institution through the nth specific financial institution having a high priority score among the partner financial institutions for which partner membership application information has been acquired among a plurality of financial institutions, and the first specific financial institution through the nth specific financial institution corresponding thereto, to display the information, and when at least one of the kth specific financial institution and the kth specific financial institution information is selected, to support the user terminal to apply for foreign currency delivery to the kth specific financial institution terminal corresponding to the kth specific financial institution.

Another object of the present invention is to support the display of at least one of a first mode in which the first specific exchange base amount through the nth specific exchange base amount determined by the first specific exchange rate through the nth specific exchange rate provided by the first specific financial institution through the nth specific financial institution, and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to each of the first specific financial institution through the nth specific financial institution are added together to calculate the first specific exchange source amount information through the nth specific exchange source amount information and display it, and a second mode in which the first specific exchange base amount through the nth specific exchange base amount itself is determined as the first specific exchange source amount information through the nth specific exchange source amount information without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and display it.

In addition, when the first mode is determined, the present invention performs a process of inputting, as a 2_1 query, first partial address information obtained by extracting a part of first specific address information corresponding to the location of a first specific financial institution, and user partial address information obtained by extracting a part of user location address information corresponding to a location selected by the user terminal, to calculate the first foreign currency delivery delivery fee, and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the first foreign currency delivery delivery fee, or inputting, as a 2_n query, nth partial address information obtained by extracting a part of nth specific address information corresponding to the location of the nth specific financial institution, and the user partial address information, to calculate the nth foreign currency delivery delivery fee, and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the nth foreign currency delivery delivery fee, and accurately calculating and providing a substantial corrected exchange rate for each exchange office when a delivery service is provided by referring to the location of each exchange office according to the user's location.

According to one embodiment of the present invention, a method for supporting an application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions includes: (a) when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving the foreign currency delivery are input by a user terminal, the computing device supports displaying a first specific financial institution through an nth specific financial institution having a high priority score among the partner financial institutions from which partner membership application information is acquired among the plurality of financial institutions, and a first specific exchange source amount information through a nth specific exchange source amount information corresponding thereto; and (b) when at least one is selected among a kth specific financial institution included in the first specific financial institution through the nth specific financial institution, and a kth specific exchange source amount information included in the first specific exchange source amount information through the nth specific exchange source amount information, the computing device supports the user terminal to apply for the foreign currency delivery to a kth specific financial institution terminal corresponding to the kth specific financial institution.

In one example, prior to step (a), (a01) the computing device induces at least a portion of each of the plurality of financial institutions to join the partner financial institution, classifying a group of the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, and classifying a group of the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group; (a02) the computing device supports a first financial institution terminal corresponding to the first financial institution group to determine whether or not to select a foreign currency delivery option for the first financial institution group; and (a03) the computing device classifies a group of the first financial institution group that has selected the foreign currency delivery option into a 1_1 financial institution group, and classifies a group of the first financial institution group that has not selected the foreign currency delivery option into a 1_2 financial institution group; characterized in that in step (a), the computing device determines 1_1_1 specific financial institutions to 1_1_n' specific financial institutions having a high priority score in the 1_1 financial institution group as at least a portion of the first specific financial institutions to the n specific financial institutions.

In one example, in step (a), the computing device is configured to select the first specific financial institution through the n specific financial institution from a portion of the 1_1 financial institution group included in a search target area determined by referring to at least one of the selected location information of the user terminal or the current location information of the user terminal, and to display the first specific financial institution through the n specific financial institution and the first specific exchange source amount information through the n specific exchange source amount information.

In one example, in step (a), the computing device determines 1_2_1 specific financial institutions through 1_2_n'' specific financial institutions that have the highest priority scores in the 1_2 financial institution group as at least a portion of the 1 specific financial institutions through the n specific financial institutions.

In one example, in step (a), (a1) when a first query including the zip code information is input from the user terminal, the computing device performs at least a part of the process of (i) acquiring address information corresponding to the zip code information using a first specific site API and (ii) crawling the first specific site to acquire the address information corresponding to the zip code information; and (a2) when the address information is acquired, the computing device inputs the address information as a second query, and (i) acquires a foreign currency delivery fee corresponding to the address information using a second specific site API and (ii) crawls the second specific site to acquire the foreign currency delivery fee corresponding to the address information.

In one example, in step (a), the computing device is characterized by being supported to display at least one of a first mode in which the first specific exchange base amount through the nth specific exchange base amount are calculated by combining the first specific exchange rate through the nth specific exchange rate provided by the first specific financial institution through the nth specific financial institution, and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to each of the first specific financial institution through the nth specific financial institution, and display the calculated first specific exchange source amount information through the nth specific exchange source amount information, and a second mode in which the first specific exchange base amount through the nth specific exchange base amount are determined as the first specific exchange source amount information through the nth specific exchange source amount information without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and display the calculated first specific exchange source amount information through the nth specific exchange source amount information.

In one example, if the first mode is determined in step (a), the computing device performs a process of inputting first partial address information extracted from the first specific address information corresponding to the location of the first specific financial institution and user partial address information extracted from the user location address information corresponding to the location selected by the user terminal as a 2_1 query to calculate the first foreign currency delivery delivery fee and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the first foreign currency delivery delivery fee, or inputting nth partial address information extracted from the nth specific address information corresponding to the location of the nth specific financial institution and the user partial address information as a 2_n query to calculate the nth foreign currency delivery delivery fee and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the nth foreign currency delivery delivery fee.

In one example, prior to step (a), (a04) the computing device classifies a group from among the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, classifies a group from among the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group, classifies a group from the first financial institution group that has selected the foreign currency delivery option into a 1_1 financial institution group, and classifies a group that has not selected the foreign currency delivery option into a 1_2 financial institution group; and (a05) the computing device further includes a step of acquiring business hours by day of the week from each of the 1_1 financial institution terminals included in the 1_1 financial institution group, and in step (a), the computing device further includes a step of acquiring business hours by day of the week from each of the 1_1 financial institution terminals included in the 1_1 financial institution group, and The system determines whether the application request time is included in the business hours for each day of the week corresponding to each partner financial institution, determines partner financial institutions for which the application request time is included in the business hours for each day of the week as a first partner subset, determines partner financial institutions for which the application request time is not included in the business hours for each day of the week as a second partner subset, determines at least a portion of the first specific financial institution through the n specific financial institution in at least a portion of the first partner subset and the second partner subset, provides a first visual effect to the first partner subset, and supports displaying the first specific exchange source amount information through the n specific exchange source amount information for the first specific financial institution through the n specific financial institution while providing a second visual effect to the second partner subset.

In one example, (c) when one of the k specific financial institution and the k specific exchange source amount information is selected by input from the user terminal, the computing device further includes a step of supporting the k specific financial institution to display detailed information of the k specific financial institution, and the detailed information of the k specific financial institution includes at least a portion of address information corresponding to the k specific financial institution, schematic map information, distance information from selected location information of the user terminal, distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the k specific exchange source amount information was determined.

In one example, in step (b), if at least one of the k specific financial institution and the k specific exchange source amount information is selected, the computing device displays a login screen on the screen of the user terminal to support login from the user terminal, and if the login is performed, the computing device automatically displays the postal code information and the address information obtained therefrom (the address information corresponding to the postal code information is obtained by using a first specific site API, or the address information corresponding to the postal code information is obtained by crawling the first specific site) on the screen of the user terminal, and provides a first UI for specifying a receipt date and time (the first UI varies and displays receipt dates and times that can be selected differently depending on whether the time of applying for the foreign currency delivery is before or after a preset time) and a second UI for inputting recipient information to support application for the foreign currency delivery.

In one example, in step (a), the computing device additionally displays at least a portion of the average value of the first sample exchange source amount information through the mth sample exchange source amount information corresponding to the first sample financial institution through the mth sample financial institution included in the pre-defined sample financial institution, the pth sample exchange source amount information that is the lowest among the first sample exchange source amount information through the mth sample exchange source amount information, and the pth sample financial institution corresponding to the pth sample exchange source amount information, and is supported to additionally display at least a portion of the difference value between the average value and the kth specific exchange source amount information and the difference value between the pth sample exchange source amount information and the kth specific exchange source amount information.

In another embodiment of the present invention, a computing device for supporting an application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions includes at least one memory for storing instructions; and at least one processor configured to execute the instructions; wherein the processor performs the following process: (I) when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving the foreign currency delivery are input by a user terminal, a process of supporting displaying a first specific financial institution through an nth specific financial institution having a high priority score among the partner financial institutions from which partner membership application information has been acquired, and a first specific exchange source amount information through a nth specific exchange source amount information corresponding thereto; and (II) when at least one of a kth specific financial institution included in the first specific financial institution through the nth specific financial institution and a kth specific exchange source amount information included in the first specific exchange source amount information through the nth specific exchange source amount information is selected, a computing device is provided that supports applying for the foreign currency delivery to a kth specific financial institution terminal corresponding to the kth specific financial institution through the user terminal.

In one example, prior to the process (I), the processor further performs the process of (I01) inducing at least a portion of each of the plurality of financial institutions to join the partner financial institution, classifying a group of the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, and classifying a group of the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group; (I02) supporting a first financial institution terminal corresponding to the first financial institution group to determine whether or not to select a foreign currency delivery option for the first financial institution group; and (I03) classifying a group of the first financial institution group that has selected the foreign currency delivery option into a 1_1 financial institution group, and classifying a group of the first financial institution group that has not selected the foreign currency delivery option into a 1_2 financial institution group; and in the process (I), the processor determines 1_1_1 specific financial institutions to 1_1_n' specific financial institutions with high priority scores in the 1_1 financial institution group as at least a portion of the first specific financial institutions to the n specific financial institutions.

In one example, in the process (I), the processor is characterized in that it selects the first specific financial institution through the n specific financial institution from a portion of the 1_1 financial institution group included in a search target area determined by referring to at least one of the selected location information of the user terminal or the current location information of the user terminal, and supports displaying the first specific financial institution through the n specific financial institution and the first specific exchange source amount information through the n specific exchange source amount information.

In one example, in the process (I), the processor is characterized in that it additionally determines 1_2_1 specific financial institutions through 1_2_n'' specific financial institutions that have high priority scores in the 1_2 financial institution group as at least a part of the 1 specific financial institutions through the n specific financial institutions.

In one example, in the process (I), the processor performs the following processes: (I1) when a first query including the postal code information is input from the user terminal, (i) a process of acquiring address information corresponding to the postal code information using a first specific site API, and (ii) a process of crawling the first specific site to acquire the address information corresponding to the postal code information; and (I2) when the address information is acquired, inputting the address information as a second query, and (i) a process of acquiring a foreign currency delivery fee corresponding to the address information using a second specific site API, and (ii) a process of crawling the second specific site to acquire the foreign currency delivery fee corresponding to the address information.

In one example, in the process (I), the processor is characterized by supporting the display of at least one of a first mode in which the first specific exchange base amount through the nth specific exchange base amount are calculated by combining the first specific exchange rate through the nth specific exchange rate provided by the first specific financial institution through the nth specific financial institution, and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to each of the first specific financial institution through the nth specific financial institution, to calculate the first specific exchange source amount information through the nth specific exchange source amount information, and displaying the calculated information; and a second mode in which the first specific exchange base amount through the nth specific exchange base amount are determined as the first specific exchange source amount information through the nth specific exchange source amount information, without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and displaying the calculated information.

In one example, in the process (I), if the first mode is determined, the processor performs a process of inputting first partial address information extracted from the first specific address information corresponding to the location of the first specific financial institution and user partial address information extracted from the user location address information corresponding to the location selected by the user terminal as a 2_1 query to calculate the delivery fee for the first foreign currency delivery and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the delivery fee for the first foreign currency delivery, or inputting nth partial address information extracted from the nth specific address information corresponding to the location of the nth specific financial institution and the user partial address information as a 2_n query to calculate the delivery fee for the nth foreign currency delivery and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the delivery fee for the nth foreign currency delivery.

In one example, prior to the process (I), the processor further performs a process of (I04) classifying a group from among the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, classifying a group from among the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group, classifying a group from the first financial institution group that has selected the foreign currency home delivery option into a 1_1 financial institution group, and classifying a group that has not selected the foreign currency home delivery option into a 1_2 financial institution group; and (I05) acquiring business hours by day of the week from each of the 1_1 financial institution terminals included in the 1_1 financial institution group, and in the process (I), the processor further performs a process of (I05) classifying a group from among the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, classifying a group from among the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group, classifying a group from among the first financial institution group that has selected the foreign currency home delivery option into a 1_2 financial institution group, and determine whether the application request time is included in the business hours for each day of the week corresponding to each of the days of the week, determine partner financial institutions for which the application request time is included in the business hours for each day of the week as a first partner subset, determine partner financial institutions for which the application request time is not included in the business hours for each day of the week as a second partner subset, determine at least a portion of the first specific financial institution through the n specific financial institution in at least a portion of the first partner subset and the second partner subset, provide a first visual effect to the first partner subset, and support displaying the first specific exchange source amount information through the n specific exchange source amount information for the first specific financial institution through the n specific financial institution while providing a second visual effect to the second partner subset.

In one example, the processor further performs (III) a process of supporting displaying detailed information of the k specific financial institution when any one of the k specific financial institution and the k specific exchange source amount information is selected by input of the user terminal, and the detailed information of the k specific financial institution includes at least a portion of address information corresponding to the k specific financial institution, schematic map information, distance information from the selected location information of the user terminal, distance information from the current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the k specific exchange source amount information was determined.

In one example, in the process (II), when at least one of the k specific financial institution and the k specific exchange source amount information is selected, the processor displays a login screen on the screen of the user terminal to support the user terminal to perform login, and when the login is performed, the zip code information and the address information obtained therefrom (the address information corresponding to the zip code information is obtained by using a first specific site API, or the address information corresponding to the zip code information is obtained by crawling the first specific site) are automatically displayed on the screen of the user terminal, and a first UI for specifying the receipt date and time (the first UI varies and displays receipt dates and times that can be selected differently depending on whether the time of applying for the foreign currency delivery is before or after a preset time) and a second UI for inputting recipient information are provided to support the user to apply for the foreign currency delivery.

In one example, in the process (I), the processor is characterized in that it additionally displays at least a portion of the average value of the first sample exchange source amount information through the mth sample exchange source amount information corresponding to the first sample financial institution through the mth sample financial institution included in the pre-defined sample financial institution, the pth sample exchange source amount information that is the lowest among the first sample exchange source amount information through the mth sample exchange source amount information, and the pth sample financial institution corresponding to the pth sample exchange source amount information, and additionally displays at least a portion of the difference value between the average value and the kth specific exchange source amount information and the difference value between the pth sample exchange source amount information and the kth specific exchange source amount information.

The present invention has the following advantages:

In addition, when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving foreign currency delivery are inputted by a user terminal, the present invention supports displaying the first specific financial institution through the nth specific financial institution having a high priority score among the partner financial institutions for which partner membership application information has been obtained among a plurality of financial institutions, and the first specific financial institution through the nth specific financial institution corresponding thereto, and has the effect of supporting the user terminal to apply for foreign currency delivery to the kth specific financial institution terminal corresponding to the kth specific financial institution when at least one of the kth specific financial institution and the kth specific financial institution information is selected.

The present invention also has the effect of supporting the display of at least one of a first mode in which the first specific exchange base amount through the nth specific exchange base amount determined by the first specific exchange rate through the nth specific exchange rate provided by the first specific financial institution through the nth specific financial institution, and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to each of the first specific financial institution through the nth specific financial institution are added together to calculate the first specific exchange source amount information through the nth specific exchange source amount information, and display the same; and a second mode in which the first specific exchange base amount through the nth specific exchange base amount itself is determined as the first specific exchange source amount information through the nth specific exchange source amount information, without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and display the same.

In addition, when the first mode is selected, the present invention performs a process of inputting first partial address information obtained by extracting a part of first specific address information corresponding to the location of a first specific financial institution and user partial address information obtained by extracting a part of user location address information corresponding to a location selected by the user terminal as a 2_1 query to calculate the delivery fee for the first foreign currency delivery and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the delivery fee for the first foreign currency delivery, or inputting nth partial address information obtained by extracting a part of nth specific address information corresponding to the location of the nth specific financial institution and the user partial address information as a 2_n query to calculate the delivery fee for the nth foreign currency delivery and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the delivery fee for the nth foreign currency delivery, thereby accurately calculating and providing a substantial corrected exchange rate for each exchange office when a delivery service is provided by referring to the location of each exchange office according to the user's location.

2 is a diagram illustrating a simplified configuration of a computing device for supporting an application for home delivery of foreign currency by referring to exchange rate information of each of a plurality of financial institutions according to an embodiment of the present invention. 4 is a diagram illustrating a simplified procedure of a method for supporting an application for home delivery of foreign currency by referring to exchange rate information of each of a plurality of financial institutions according to an embodiment of the present invention. 1 is a diagram illustrating an example of a screen of a user terminal that supports an application for foreign currency delivery according to an embodiment of the present invention. 1 is a diagram illustrating a simplified procedure of a method for classifying a group that has selected a foreign currency delivery option and a group that has not selected the foreign currency delivery option according to an embodiment of the present invention. 1 is a diagram illustrating an example of a screen of a user terminal that supports an application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions according to an embodiment of the present invention. 11 is a diagram illustrating an example of a screen of a partner financial institution terminal that allows input of business hours for each day of the week according to an embodiment of the present invention. 4 is a diagram illustrating an example of a login screen displayed on a screen of a user terminal according to an embodiment of the present invention. 1 is a diagram illustrating an example in which a first UI and a second UI are displayed on a screen of a user terminal.

The following detailed description of the invention refers to the accompanying drawings which show, by way of example, specific embodiments in which the invention may be practiced in order to clarify the objects, technical solutions, and advantages of the invention. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention.

Furthermore, throughout the detailed description of the present invention and the claims, the word "comprises" and variations thereof are not intended to exclude other technical features, additions, components or steps. Other objects, advantages and characteristics of the present invention will become apparent to one of ordinary skill in the art in part from the description and in part from the practice of the present invention. The following examples and drawings are provided as illustrations and are not intended to limit the present invention.

Furthermore, the present invention covers all possible combinations of the embodiments shown herein. It should be understood that the various embodiments of the present invention are different from one another but are not necessarily mutually exclusive. For example, a particular shape, structure, and characteristic described herein may be embodied in another embodiment without departing from the spirit and scope of the present invention. It should also be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Therefore, the following detailed description is not intended to be taken in a limiting sense, and the scope of the present invention is limited only by the appended claims with the full scope of equivalents that such claims are entitled to if properly interpreted. Like reference numerals in the drawings refer to the same or similar functionality across the various aspects.

Below, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings so that a person having ordinary skill in the art to which the present invention pertains can easily implement the present invention.

Figure 1 is a diagram showing a simplified configuration of a computing device 100 for supporting an application for home delivery of foreign currency by referring to exchange rate information of each of multiple financial institutions according to one embodiment of the invention.

Referring to FIG. 1, the computing device 100 may include a memory 110 that stores instructions for supporting an application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions, and a processor 120 that performs calculations to support an application for foreign currency delivery in response to the instructions stored in the memory. In this case, the computing device 100 may include a PC (Personal Computer), a mobile computer, etc.

Specifically, computing device 100 may typically utilize a combination of computing devices (e.g., devices that may include computer processors, memory, storage, input and output devices, and other components of existing computing devices; electronic communication devices such as routers, switches, and the like; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs)) and computer software (i.e., instructions that cause a computing device to function in a particular manner) to achieve the desired system performance.

In addition, the processor of the computing device 100 may include hardware components such as a micro processing unit (MPU) or central processing unit (CPU), cache memory, and data bus. In addition, the computing device 100 may further include software components such as an operating system and applications that perform specific purposes.

However, this does not exclude the case where the computing device 100 includes an integrated processor in which the medium, processor, and memory for implementing the present invention are integrated.

The computing device 100 can also be linked to a database (not shown) containing information used to support an application for home delivery of foreign currency by referencing exchange rate information from each of a number of financial institutions. Here, the database (not shown) may be of a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (e.g., SD or XD memory), a random access memory (RAM), a static random access memory (SRAM), a read only memory (ROM), an electrically erasable programmable read only memory (EEPROM), a programmable read only memory (PROM), or a programmable read only memory (PROM). The storage medium may include at least one type of storage medium selected from the group consisting of a memory, a magnetic memory, a magnetic disk, and an optical disk, but is not limited thereto, and may include any medium capable of storing data. In addition, the database (not shown) may be installed separately from the computing device 100, or alternatively, may be installed inside the computing device 100 to transmit data or record received data, or may be embodied as two or more separate entities, which may vary depending on the implementation conditions of the invention.

Meanwhile, the financial institution terminal 200 and the user terminal 300 can transmit and receive necessary information while interfacing with the computing device 100. The financial institution terminal 200 can include terminals used in various types of financial institutions, such as a first financial institution group 201, 202 and a second financial institution group 203, 204. A method of classifying the first financial institution group 201, 202 and the second financial institution group 203, 204 will be described later with reference to FIG. 4. Meanwhile, the user terminal 300 can include smartphones 301, 304, a mobile computer 302, a PC 303, etc.

This is explained in more detail below.

The method of displaying on a user terminal 300 to support an application for foreign currency delivery by referring to exchange rate information of each of a plurality of financial institutions using a computing device 100 according to one embodiment of the present invention configured as described above will be described with reference to FIG. 2.

Figure 2 is a diagram illustrating a simplified procedure for a method of supporting an application for home delivery of foreign currency by referring to exchange rate information of each of multiple financial institutions according to one embodiment of the present invention.

First, when the exchange target country information, the exchange target amount information, and the postal code information corresponding to the delivery location for receiving foreign currency parcels are input by the user terminal 300, the computing device 100 can support displaying the first specific financial institution through the nth specific financial institution with the highest priority score among the partner financial institutions for which the partner membership application information has been acquired among the plurality of financial institutions, and the first specific exchange source amount information through the nth specific exchange source amount information corresponding thereto (S210). Here, the meaning of partner membership application information being acquired generally means a state in which the partner membership application has been applied for through the computing device 100 and the membership has been approved, but is not limited thereto. For example, if 660 dollars is to be exchanged for 93,929 yen, the exchange source amount information is 93,929 yen, and the exchange target amount information is 660 dollars.

Hereinafter, when at least one of the kth specific financial institution included in the first specific financial institution through the nth specific financial institution and the kth specific exchange source amount information included in the first specific exchange source amount information through the nth specific exchange source amount information is selected, the computing device 100 can support the user terminal 300 to apply for foreign currency delivery to the kth specific financial institution terminal corresponding to the kth specific financial institution (S220). Here, the meaning of being able to support the user terminal 300 to apply for foreign currency delivery to the kth specific financial institution terminal corresponding to the kth specific financial institution may mean that the user terminal 300 can directly apply for delivery to the kth specific financial institution terminal without going through the computing device 100, but is not limited thereto. For example, when the kth specific financial institution is selected from the list provided to the user terminal 300 by the computing device 100, the computing device 100 should be interpreted as including a more general meaning that the computing device 100 performs a delivery application to the kth specific financial institution terminal using information input through a UI (described later in this specification) subsequently provided by the computing device 100. Here, the kth specific financial institution terminal may be a server operated by the kth specific financial institution, but is not limited thereto. In addition, the meaning of "the computing device 100 making a home delivery application to the kth specific financial institution terminal" may mean that the computing device 100 separately accesses the kth specific financial institution terminal to make a home delivery application, but generally, it may mean that the computing device 100 does not do so and receives home delivery application information from the computing device 100 while the kth specific financial institution terminal has already accessed the computing device 100.

Here, n is a natural number greater than or equal to 1, and k is a natural number between 1 and n.

For reference, the screen displayed on the user terminal 300 for applying for foreign currency delivery is as follows, as illustrated in FIG. 3.

Figure 3 is a diagram illustrating an example of a screen of a user terminal 300 that supports an application for foreign currency home delivery according to one embodiment of the present invention.

As shown in FIG. 3, there is a window 310 in which the type and unit of the foreign currency to be exchanged can be entered, there is a denomination selection button 320 in which the user can select from the high-value note only option and the low-value note option (i.e., high-value note and low-value note options), and there is a window 330 in which the user can enter the postal code information corresponding to the delivery location where the foreign currency is delivered. After entering all the above information and clicking the "Exchange at lowest price" button 340, a list of at least one specific financial institution with a high priority score among the partner financial institutions is displayed, and the screen of the user terminal 300 on which the specific financial institution list and the specific exchange source amount information of each of the corresponding specific financial institutions are displayed will be described below with reference to FIG. 5.

Then, when one of the kth specific financial institution and the kth specific exchange source amount information is selected by input from the user terminal 300, the computing device 100 may support displaying detailed information of the kth specific financial institution (S230: not shown).

For reference, the detailed information of the kth specific financial institution may include at least some of the address information, schematic map information, distance information from the selected location information of the user terminal 300, distance information from the current location information of the user terminal 300, telephone number information, inventory information by currency, and date information on which the kth specific exchange source amount information was determined, corresponding to the kth specific financial institution.

Here, the selected location information of the user terminal is a region selected by the user through a UI provided to the user terminal 300, and the user can select the entire country as the search target area, or can select a specific prefecture or city, town, etc. In addition, the current location information of the user terminal is a location determined by automatically sensing the current location of the user through GPS, etc., and the search target area can be determined based on the user's current location information (for example, an area within a 1 km radius of the user's current location information, or a prefecture or city, town, town, etc. corresponding to the user's current location information can be determined as the search target area).

Meanwhile, before step S210, a step of classifying a group into those who have selected the foreign currency delivery option and those who have not can be performed in advance.

This can be explained with reference to Figure 4 as follows:

Figure 4 is a diagram illustrating a simplified procedure for classifying a group into those who have selected the foreign currency delivery option and those who have not selected the foreign currency delivery option according to one embodiment of the present invention.

First, the computing device 100 induces at least some of the plurality of financial institutions to join as partner financial institutions, classifies a group of the plurality of financial institutions for which partner joining application information has been acquired into a first financial institution group, and classifies a group of the plurality of financial institutions for which partner joining application information has not been acquired into a second financial institution group (S200_1).

Then, the computing device 100 can assist in determining whether to select a foreign currency delivery option for the first financial institution group using a first financial institution terminal corresponding to the first financial institution group (S200_2).

Then, the computing device 100 can classify the group that has selected the foreign currency delivery option from among the first financial institution group into the 1_1 financial institution group, and classify the group that has not selected the foreign currency delivery option from among the first financial institution group into the 1_2 financial institution group (S200_3).

Here, the computing device 100 may determine that the 1_1_1 specific financial institutions through 1_1_n' specific financial institutions having high priority scores in the 1_1 financial institution group are at least a part of the 1 specific financial institutions through the nth specific financial institutions displayed on the user's search screen.

In other words, among the partner financial institutions from which partner membership application information has been obtained, partner financial institutions that have selected the foreign currency delivery option will be targeted, and the partner financial institutions with the highest priority scores will be displayed.

Furthermore, the computing device 100 may select at least a portion of the first specific financial institution through the nth specific financial institution displayed on the user's search screen from a portion of the first_1 financial institution group included in a search target area determined by referring to at least one of the selected location information of the user terminal 300 or the current location information of the user terminal 300 within the first_1 financial institution group.

This means that among the partner financial institutions that have selected the foreign currency delivery option, partner financial institutions that are included in the search target area and have a high priority score can be displayed by referring to at least one of the selected location information or current location information of the user terminal 300. For reference, even if a partner financial institution has a high priority score, it can also be displayed if it is not included in the search target area.

Meanwhile, as another example, the computing device 100 may further determine 1_2_1 specific financial institutions through 1_2_n'' specific financial institutions having high priority scores in the 1_2 financial institution group as at least a part of the 1 specific financial institution through the nth specific financial institution.

This means that among the partner financial institutions for which partner membership application information has been obtained, partner financial institutions with high priority scores that have not selected the foreign currency delivery option can also be displayed.

In other words, by showing partner financial institutions with high priority scores even if the user has not selected the foreign currency delivery option, it is possible that even if the user is unable to receive foreign currency delivery service, they may still be considering exchanging money in other ways (for example, by picking it up in person), and such information can be further displayed.

Meanwhile, the above-described step S210 may include the following steps:

First, when a first query including postal code information is input from the user terminal 300, the computing device 100 may perform at least a portion of the process of (i) acquiring address information corresponding to the postal code information using a first specific site API, and (ii) crawling the first specific site to acquire address information corresponding to the postal code information.

Thereafter, once the address information is acquired, the computing device 100 can input the address information as a second query to acquire the foreign currency delivery fee, e.g., perform at least a portion of the process of (i) acquiring the foreign currency delivery fee corresponding to the address information using a second specific site API, and (ii) crawling the second specific site to acquire the foreign currency delivery fee corresponding to the address information.

To explain this in more detail, for example, the first specific site may be the Yahoo! Japan site. When postal code information is input from the user terminal 300, the Yahoo! Japan site can be accessed to obtain address information corresponding to the input postal code information. The API of the Yahoo! Japan site can be used, or if the API cannot be used, the Yahoo! Japan site can be crawled, or the address information corresponding to the postal code information can be read out in various other ways.

Then, the address information retrieved from the Yahoo! Japan site can be used to access a second specific site (such as a post office site) to obtain the foreign currency delivery fee corresponding to the address information. Similarly, the post office site API can be used, and if the API cannot be used, the post office site can be crawled, or various other methods can be used to obtain the foreign currency delivery fee corresponding to the address information.

For reference, shipping charges for foreign currency delivery will be discussed in more detail later.

In addition, the computing device 100 may support at least one of a first mode and a second mode to be displayed on the user terminal 300 when displaying the first specific financial institution through the nth specific financial institution and the corresponding first specific exchange source amount information through the nth specific exchange source amount information on the user terminal 300.

Referring to Figure 5, the following is a more detailed explanation:

Figure 5 is a diagram illustrating an example of a screen of a user terminal that supports an application for home delivery of foreign currency by referring to exchange rate information of each of multiple financial institutions according to one embodiment of the present invention.

The exchange rates displayed in the exchange list shown in FIG. 5 are either exchange rates calculated in the first mode or in the second mode. Below, we will first look at the first and second modes, and then look in more detail at the user interface in FIG. 5.

First, the first mode can calculate the first specific exchange source amount information through the nth specific exchange source amount information by combining the first specific exchange base amount through the nth specific exchange base amount determined by the first specific exchange rate through the nth specific exchange rate provided by the first specific financial institution through the nth specific financial institution, and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to each of the first specific financial institution through the nth specific financial institution. Here, as shown in FIG. 5, for example, when 660 dollars is to be exchanged for 93,929 yen, if the first mode is selected, the 93,929 yen displayed on the screen is calculated by adding up the predetermined exchange source amount information (e.g., 92,000 yen) and the foreign currency delivery shipping fee (e.g., 1,929 yen). Of course, other examples can be envisioned, and for example, the 93,929 yen displayed on the screen can be calculated by adding up the exchange source amount information (e.g., 91,000 yen), the foreign currency delivery fee (e.g., 1,929 yen), and the commission received by the computing device 100 (e.g., 1,000 yen). For reference, it is clear that the description of the first mode mentioned in the claims is made in the sense of including all such examples.

Meanwhile, the second mode may determine the first specific exchange base amount or the nth specific exchange base amount itself as the first specific exchange source amount information or the nth specific exchange source amount information without including the delivery fee for the first foreign currency delivery or the delivery fee for the nth foreign currency delivery. Here, as shown in FIG. 5, for example, when 660 dollars is to be exchanged for 93,929 yen, if the second mode is selected, the 93,929 yen displayed on the screen corresponds to a predetermined exchange source amount information (e.g., 92,000 yen). Of course, other examples can be assumed, and for example, the 93,929 yen displayed on the screen may be calculated by adding up the exchange source amount information (e.g., 92,000 yen) and the commission (e.g., 1,000 yen) received by the computing device 100. For reference, it is clear that the description of the second mode mentioned in the claims is made in the sense of including all such examples.

In other words, the first mode is when the specific exchange source amount information includes the shipping fee for home delivery of foreign currency, and the second mode is when the specific exchange source amount information does not include the shipping fee for home delivery of foreign currency.

Here, if the first mode is determined, the computing device 100 can perform a process of inputting, as a 2_1 query, first partial address information obtained by extracting a portion from first specific address information corresponding to the location of a first specific financial institution, and user partial address information obtained by extracting a portion from user location address information corresponding to a location selected by a user terminal, to calculate a first foreign currency delivery shipping fee, and determining first specific exchange source amount information by adding up the first specific exchange base amount and the first foreign currency delivery shipping fee, or inputting, as a 2_n query, nth partial address information obtained by extracting a portion from nth specific address information corresponding to the location of an nth specific financial institution, and user partial address information, to calculate a nth foreign currency delivery shipping fee, and determining nth specific exchange source amount information by adding up the nth specific exchange base amount and the nth foreign currency delivery shipping fee.

More specifically, first partial address information obtained by extracting a part of the first specific address information corresponding to the first specific financial institution can be obtained. That is, by referring to a part of the partial address information (i.e. prefecture information or city/town/village information) from the entire address information that allows the foreign currency delivery shipping fee to be calculated, this can be determined as the location for sending the foreign currency delivery. Also, by referring to a part of the user's location address information that is extracted (i.e. prefecture information or city/town/village information), this can be determined as the location for receiving the foreign currency delivery. In this way, the first partial address information of the first specific financial institution, which is the location for sending the foreign currency delivery, and the user's partial address information, which is the location for receiving the foreign currency delivery, can be input as the second_1 query to calculate the foreign currency delivery shipping fee. The foreign currency delivery shipping fee calculated in this way is added to a specific exchange base amount to determine specific exchange source amount information.

In a similar manner, a second foreign currency delivery fee corresponding to a second specific financial institution through an nth foreign currency delivery fee corresponding to an nth specific financial institution can be determined.

If you look again at FIG. 5, you can see the first through tenth specific financial institutions displayed in area 520, and the corresponding first through tenth specific exchange source amount information.

Here, in the first mode, the first foreign currency delivery shipping fee through the tenth foreign currency delivery shipping fee are included, and in the second mode, the first foreign currency delivery shipping fee through the tenth foreign currency delivery shipping fee are not included. This can be changed by the user's settings, and one of the first and second modes can be selected according to various criteria, so it is not limited to this. However, in FIG. 5, it is assumed that the first specific exchange source amount information through the tenth specific exchange source amount information are displayed in area 520 with the foreign currency delivery shipping fee included according to the first mode.

The average value of the sample exchange source amount information corresponding to the preset sample financial institutions may be displayed in area 510 of FIG. 5. For example, if three sample financial institutions are preset sample financial institutions, the average value of the sample exchange source amount information of the three sample financial institutions is displayed, along with the lowest sample exchange source amount information of the three. In addition, the difference between the kth specific exchange source amount information selected by the user (the first specific exchange source amount information according to the example of FIG. 5) and the average value of the three sample financial institutions may also be displayed.

For example, the area 510 displayed in FIG. 5 illustrates a case where 660 dollars is exchanged for 93,929 yen, and 100,000 yen is displayed as the average exchange rate value of the "megabanks" in Japan, and 99,000 yen is displayed as the cheapest exchange rate value among the "megabanks". When the cheapest first exchange office displayed at the top through the area 520 is selected (displayed in bold in the area 520 of FIG. 5), information that the first specific exchange source amount information of the cheapest exchange office, 93,929 yen, is about 6,071 yen cheaper than the average exchange rate value of the "megabanks", 100,000 yen, can be further displayed in the area 510. Here, 93,929 yen may include the shipping fee for the first foreign currency delivery, but 100,000 yen, the average exchange rate value of the "megabanks", should not include the shipping fee for the foreign currency delivery. However, if megabanks start offering home delivery services in the future, it is possible that the average exchange rate for megabanks, 100,000 yen, will include the cost of delivery in foreign currency.

To explain this more generally and in a more expanded manner, the computing device 100 may further display an average value of the first sample exchange source amount information through the m sample exchange source amount information corresponding to the first sample financial institution through the m sample financial institution included in the pre-defined sample financial institution, the pth sample exchange source amount information that is the lowest among the first sample exchange source amount information through the mth sample exchange source amount information, and at least a portion of the pth sample financial institution corresponding to the pth sample exchange source amount information, and may further display at least a portion of the difference value between the average value and the kth specific exchange source amount information and the difference value between the pth sample exchange source amount information and the kth specific exchange source amount information.

Figure 6 is a diagram illustrating an example of a screen of a partner financial institution terminal on which business hours for each day of the week can be entered according to one embodiment of the present invention.

As described above, prior to step S210, the computing device 100 may classify a group of financial institutions for which partner membership application information has been acquired into a first financial institution group, a group of financial institutions for which partner membership application information has not been acquired into a second financial institution group, a group of financial institutions in the first financial institution group that has selected the foreign currency delivery option into a 1_1 financial institution group, and a group that has not selected the foreign currency delivery option into a 1_2 financial institution group.

Then, the computing device 100 can obtain the business hours for each day of the week from each of the 1_1 financial institution terminals included in the 1_1 financial institution group.

At this time, the computing device 100 determines whether the application request time for applying for foreign currency home delivery from the user terminal 300 is included in each of the business hours for each day of the week corresponding to each partner financial institution, and determines the partner financial institutions whose application request time is included in the business hours for each day of the week as a first partner subset, and determines the partner financial institutions whose application request time is not included in the business hours for each day of the week as a second partner subset.

Then, at least a portion of the first partner subset and the second partner subset may be determined to be a first specific financial institution through an nth specific financial institution, and a first visual effect may be applied to the first partner subset, and a second visual effect may be applied to the second partner subset, while displaying the first specific exchange source amount information through the nth specific exchange source amount information for the first specific financial institution through the nth specific financial institution.

For reference, the first visual effect may be a glow or a bright color for the letters, allowing a user to see at a glance that the partner financial institution is open for business, and the second visual effect may be a slightly cloudy color or a shaded effect, indicating that the partner financial institution is closed, but is not limited to this. For example, if business hours are not an important factor and the offered exchange rate is treated as an important factor, the first visual effect and the second visual effect may be displayed in the same way.

Referring again to FIG. 6, the partner financial institution can input business hours 620 for each day of the week 610 through its own financial institution terminal 200. Each day of the week can be set to a different time or the same time, and the business days can be selected using the ON/OFF button 630.

As shown in Figure 6, business hours can be set from 9:00 to 18:00 from Monday to Friday, and set to OFF on Saturdays, Sundays, and public holidays to indicate that the business is closed.

Figure 7a is a diagram for explaining an example of a login screen being displayed on the screen of a user terminal according to one embodiment of the present invention, and Figure 7b is a diagram for explaining an example of a first UI and a second UI being displayed on the screen of a user terminal. For reference, the screen of the user terminal may be displayed as shown in Figures 7a and 7b, but is not limited thereto.

In step S220 described above, if at least one of the kth specific financial institution and the kth specific exchange source amount information is selected, the computing device 100 may display a login screen on the screen of the user terminal 300 to support login from the user terminal 300.

For example, a login screen may be displayed as shown in Figure 7a.

For reference, in Figure 7a, it appears that you can log in with LINE, Google, Apple, or email, but this is not limited to these options, as you can also log in using your mobile phone number or membership.

Once you have logged in using any of the various methods, a screen where you can enter shipping information, as shown in Figure 7b, will be displayed.

Specifically, as shown in FIG. 7b, in a state 710 where postal code information and address information acquired from the postal code information are automatically displayed on the screen of the user terminal 300, a first UI 720 is provided in which the user can specify the date and time of receipt, and a second UI 730 is provided in which the user can input recipient information, thereby assisting the user in applying for foreign currency home delivery.

For reference, the address information corresponding to the postal code information can be obtained by using an API of a first specific site (e.g., Yahoo! Japan site), or the address information corresponding to the postal code information can be obtained by crawling the first specific site.

In addition, if the time of application for foreign currency delivery is August 7, 2023, the first UI 720 determines whether the time of application for foreign currency delivery is before or after a preset time (e.g., 12:00), and can differentially vary and display selectable receipt dates and times depending on the result of the determination. That is, if the application for foreign currency delivery is made before 12:00, the date can be selected from +3 to +10 days on August 7, 2023 through the calendar (i.e., August 10 to August 17, 2023 can be selected, and are displayed in bold in FIG. 7b), and if the application for foreign currency delivery is made after 12:00, the date can be selected from +4 to +10 days on August 7, 2023 through the calendar (i.e., August 11 to August 17, 2023 can be selected, and are not shown in FIG. 7b).

As described above, some of the already acquired address information may be automatically displayed through area 710. At this time, you may be prompted to input additional address details into the already acquired address information.

Meanwhile, the second UI 730 in which the recipient information can be input may include the recipient's name, the recipient's mobile phone number, the recipient's email address, etc. In addition to the recipient information shown in FIG. 7b, the recipient information may include a variety of other information, and is not limited thereto.

The above-described embodiments of the present invention may be embodied in the form of program instructions that can be executed by various computer components and stored in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc., either alone or in combination. The program instructions stored in the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instructions, such as ROMs, RAMs, flash memories, etc. Examples of program instructions include not only machine language codes such as those created by a compiler, but also high-level language codes executed by a computer using an interpreter, etc. The hardware devices may be configured to operate as one or more software modules to perform the processing according to the present invention, and vice versa.

The present invention has been described above using specific details such as concrete components and limited examples and drawings, but this is provided merely to aid in a more general understanding of the present invention, and the present invention is not limited to the above examples. Those with ordinary knowledge in the technical field to which the present invention pertains will be able to make various modifications and variations from such descriptions.

Therefore, the concept of the present invention should not be limited to the embodiments described above, and all modifications equivalent to or equivalent to the scope of the claims described below are within the scope of the concept of the present invention.

Claims (18)

A method for supporting an application for home delivery of foreign currency by referring to exchange rate information of each of a plurality of financial institutions,
(a) when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving the foreign currency delivery are input by a user terminal, the computing device supports displaying a first specific financial institution through an nth specific financial institution having a high priority score among the partner financial institutions from which partner membership application information has been obtained, and a first specific exchange source amount information through an nth specific exchange source amount information corresponding thereto; and (b) when at least one is selected from a kth specific financial institution included in the first specific financial institution through the nth specific financial institution, and a kth specific exchange source amount information included in the first specific exchange source amount information through the nth specific exchange source amount information, the computing device supports using the user terminal to apply for the foreign currency delivery to a kth specific financial institution terminal corresponding to the kth specific financial institution;
Including,
Prior to step (a),
(a01) the computing device induces at least a portion of each of the plurality of financial institutions to join the partner financial institution, classifying a group of the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, and classifying a group of the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group;
(a02) supporting the computing device to determine whether to select a foreign currency delivery option for the first financial institution group using a first financial institution terminal corresponding to the first financial institution group; and
(a03) the computing device further includes a step of classifying a group that has selected the foreign currency delivery option from the first financial institution group into a 1_1 financial institution group, and classifying a group that has not selected the foreign currency delivery option from the first financial institution group into a 1_2 financial institution group;
In the step (a),
The computing device determines 1_1_1 specific financial institutions through 1_1_n' specific financial institutions having high priority scores in the 1_1 financial institution group as at least a part of the 1 specific financial institutions through the n specific financial institutions;
In the step (a),
The computing device supports selecting the first specific financial institution through the n specific financial institution from a part of the 1_1 financial institution group included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal among the 1_1 financial institution group, and displaying the first specific financial institution through the n specific financial institution and the first specific exchange source amount information through the n specific exchange source amount information.
method. In the step (a),
The method of claim 1, characterized in that the computing device additionally determines 1_2_1 specific financial institutions through 1_2_n'' specific financial institutions having high priority scores within the 1_2 financial institution group as at least a part of the 1 specific financial institutions through the n specific financial institutions. In the step (a),
(a1) when a first query including the zip code information is input from the user terminal, the computing device performs at least a part of: (i) a process of acquiring address information corresponding to the zip code information using a first specific site API; and (ii) a process of crawling the first specific site to acquire the address information corresponding to the zip code information; and
(a2) if the address information is acquired, the computing device inputs the address information as a second query, and performs at least a part of (i) a process of acquiring a foreign currency delivery fee corresponding to the address information using a second specific site API, and (ii) a process of crawling the second specific site to acquire the foreign currency delivery fee corresponding to the address information;
2. The method of claim 1, comprising: In the step (a),
The method of claim 3, wherein the computing device supports displaying at least one of a first mode of calculating the first specific exchange source amount information through the n specific exchange source amount information by combining the first specific exchange base amount through the n specific exchange base amount determined by the first specific exchange rate through the n specific exchange rate provided by the first specific financial institution through the n specific financial institution and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to the first specific financial institution through the n specific financial institution, respectively, and displaying the calculated first specific exchange source amount information through the n specific exchange source amount information, and a second mode of determining the first specific exchange base amount through the n specific exchange base amount itself as the first specific exchange source amount information through the n specific exchange source amount information without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and displaying the calculated first specific exchange source amount information through the n specific exchange source amount information. In the step (a),
The method of claim 4, wherein if the first mode is determined, the computing device performs a process of inputting first partial address information extracted from first specific address information corresponding to the location of the first specific financial institution and user partial address information extracted from user location address information corresponding to a location selected by the user terminal as a 2_1 query to calculate the first foreign currency delivery shipping fee and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the first foreign currency delivery shipping fee, or inputting nth partial address information extracted from nth specific address information corresponding to the location of the n specific financial institution and the user partial address information as a 2_n query to calculate the nth foreign currency delivery shipping fee and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the nth foreign currency delivery shipping fee. Prior to step (a),
( a04 ) The computing device further includes acquiring business hours for each day of the week from each of the first_first financial institution terminals included in the first_first financial institution group;
In the step (a),
2. The method of claim 1, wherein the computing device supports: determining whether an application request time for applying for the foreign currency delivery from the user terminal is included in each of the business hours for each day of the week corresponding to each of the partner financial institutions; determining partner financial institutions for which the application request time is included in the business hours for each day of the week as a first partner subset; determining partner financial institutions for which the application request time is not included in the business hours for each day of the week as a second partner subset; determining at least a portion of the first specific financial institution through the n specific financial institution among at least a portion of the first partner subset and the second partner subset; providing a first visual effect to the first partner subset; and displaying the first specific currency exchange source amount information through the n specific currency exchange source amount information for the first specific financial institution through the n specific financial institution while providing a second visual effect to the second partner subset. (c) when any one of the k specific financial institution and the k specific exchange source amount information is selected by input of the user terminal, the computing device further includes supporting to display detailed information of the k specific financial institution;
The method according to claim 1, wherein the detailed information of the kth specific financial institution includes at least some of the address information, schematic map information, distance information from the selected location information of the user terminal, distance information from the current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the kth specific exchange source amount information was determined, corresponding to the kth specific financial institution. In the step (b),
The method of claim 1, wherein when at least one of the k specific financial institution and the k specific exchange source amount information is selected, the computing device displays a login screen on the screen of the user terminal to support login from the user terminal, and when the login is performed, the postal code information and address information obtained therefrom (the address information corresponding to the postal code information is obtained by using a first specific site API, or the address information corresponding to the postal code information is obtained by crawling the first specific site) are automatically displayed on the screen of the user terminal, and a first UI for specifying a receipt date and time (the first UI varies and displays receipt dates and times that can be selected differentially depending on whether the time of applying for the foreign currency delivery is before or after a preset time) and a second UI for inputting recipient information are provided to support application for the foreign currency delivery. In the step (a),
The method of claim 1, wherein the computing device additionally displays at least a portion of the average value of the first sample exchange source amount information through the mth sample exchange source amount information corresponding to the first sample financial institution through the mth sample financial institution included in the pre-defined sample financial institutions, the pth sample exchange source amount information that is the lowest among the first sample exchange source amount information through the mth sample exchange source amount information, and the pth sample financial institution corresponding to the pth sample exchange source amount information, and additionally displays at least a portion of the difference value between the average value and the kth specific exchange source amount information and the difference value between the pth sample exchange source amount information and the kth specific exchange source amount information. 1. A computing device for supporting an application for home delivery of foreign currency by referring to exchange rate information of each of a plurality of financial institutions, comprising:
at least one memory storing instructions; and at least one processor configured to execute said instructions;
Including,
The processor performs (I) a process of supporting, when exchange target country information, exchange target amount information, and postal code information corresponding to the delivery location for receiving the foreign currency delivery are inputted by a user terminal, displaying a first specific financial institution through an nth specific financial institution having a high priority score among the partner financial institutions from which partner membership application information is acquired among the plurality of financial institutions, and a first specific exchange source amount information through an nth specific exchange source amount information corresponding thereto; and (II) a process of supporting, when at least one is selected from a kth specific financial institution included in the first specific financial institution through the nth specific financial institution, and a kth specific exchange source amount information included in the first specific exchange source amount information through the nth specific exchange source amount information , to apply for the foreign currency delivery to a kth specific financial institution terminal corresponding to the kth specific financial institution through the user terminal;
Prior to the process (I),
The processor further performs the process of (I01) inducing at least a portion of each of the plurality of financial institutions to join the partner financial institution, classifying a group of the plurality of financial institutions for which the partner membership application information has been acquired into a first financial institution group, and classifying a group of the plurality of financial institutions for which the partner membership application information has not been acquired into a second financial institution group; (I02) supporting a first financial institution terminal corresponding to the first financial institution group to determine whether or not to select a foreign currency delivery option for the first financial institution group; and (I03) classifying a group of the first financial institution group that has selected the foreign currency delivery option into a 1_1 financial institution group, and classifying a group of the first financial institution group that has not selected the foreign currency delivery option into a 1_2 financial institution group;
In the process (I),
The processor determines 1_1_1 specific financial institutions through 1_1_n' specific financial institutions having high priority scores in the 1_1 financial institution group as at least a part of the 1 specific financial institutions through the n specific financial institutions;
In the process (I),
The processor supports selecting the first specific financial institution through the n specific financial institution from a part of the 1_1 financial institution group included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal, and displaying the first specific financial institution through the n specific financial institution and the first specific exchange source amount information through the n specific exchange source amount information.
Computing device. In the process (I),
The computing device of claim 10, characterized in that the processor additionally determines 1_2_1 specific financial institutions through 1_2_n'' specific financial institutions having high priority scores within the 1_2 financial institution group as at least a part of the 1 specific financial institutions through the n specific financial institutions. In the process (I),
The computing device of claim 10, wherein the processor performs: (I1) when a first query including the postal code information is input from the user terminal, (i) a process of acquiring address information corresponding to the postal code information using a first specific site API, and (ii) a process of crawling the first specific site to acquire the address information corresponding to the postal code information; and (I2) when the address information is acquired, a process of inputting the address information as a second query, and (i) a process of acquiring a foreign currency delivery fee corresponding to the address information using a second specific site API, and ( ii ) a process of crawling the second specific site to acquire the foreign currency delivery fee corresponding to the address information. In the process (I),
13. The computing device of claim 12, wherein the processor supports displaying at least one of a first mode of calculating the first specific exchange source amount information through the n specific exchange source amount information by combining the first specific exchange base amount through the n specific exchange base amount determined according to the first specific exchange rate through the n specific exchange rate provided by the first specific financial institution through the n specific financial institution and the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee corresponding to the first specific financial institution through the n specific financial institution, respectively, and displaying the calculated information; and a second mode of determining the first specific exchange base amount through the n specific exchange base amount itself as the first specific exchange source amount information through the n specific exchange source amount information without including the first foreign currency delivery shipping fee through the nth foreign currency delivery shipping fee, and displaying the calculated information. In the process (I),
14. The computing device of claim 13, wherein when the first mode is determined, the processor performs a process of inputting first partial address information extracted from first specific address information corresponding to the location of the first specific financial institution and user partial address information extracted from user location address information corresponding to a location selected by the user terminal as a 2_1 query to calculate the first foreign currency delivery delivery fee and determining the first specific exchange source amount information by adding up the first specific exchange base amount and the first foreign currency delivery delivery fee, or inputting nth partial address information extracted from nth specific address information corresponding to the location of the n specific financial institution and the user partial address information as a 2_n query to calculate the nth foreign currency delivery delivery fee and determining the nth specific exchange source amount information by adding up the nth specific exchange base amount and the nth foreign currency delivery delivery fee. Prior to the process (I),
The processor further performs a process of : ( I04 ) acquiring business hours by day of the week from each of the first_first financial institution terminals included in the first_first financial institution group;
In the process (I),
11. The computing device of claim 10, wherein the processor supports: determining whether an application request time for applying for the foreign currency home delivery from the user terminal is included in each of the business hours for each day of the week corresponding to each of the partner financial institutions; determining partner financial institutions for which the application request time is included in the business hours for each day of the week as a first partner subset; determining partner financial institutions for which the application request time is not included in the business hours for each day of the week as a second partner subset; determining at least a portion of the first specific financial institution through the n specific financial institution among at least a portion of the first partner subset and the second partner subset; providing a first visual effect to the first partner subset; and displaying the first specific currency exchange source amount information through the n specific currency exchange source amount information for the first specific financial institution through the n specific financial institution while providing a second visual effect to the second partner subset. The processor further performs (III) a process of supporting displaying detailed information of the kth specific financial institution when any one of the kth specific financial institution and the kth specific exchange source amount information is selected by an input from the user terminal;
11. The computing device of claim 10, wherein the detailed information of the kth specific financial institution includes at least some of the address information, schematic map information, distance information from selected location information of the user terminal , distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the kth specific exchange source amount information was determined, corresponding to the kth specific financial institution. In the process (II),
11. The computing device of claim 10, wherein the processor, when at least one of the k specific financial institution and the k specific exchange source amount information is selected, displays a login screen on a screen of the user terminal to support login from the user terminal, and when the login is performed, automatically displays the postal code information and address information obtained therefrom (the address information corresponding to the postal code information is obtained by using a first specific site API or by crawling the first specific site to obtain the address information corresponding to the postal code information) on the screen of the user terminal, and provides a first UI for specifying a receipt date and time (the first UI varies and displays receipt dates and times that can be selected differentially depending on whether the time of applying for the foreign currency delivery is before or after a preset time) and a second UI for inputting recipient information to support application for the foreign currency delivery. In the process (I),
11. The computing device of claim 10, wherein the processor is supported to additionally display at least a portion of an average value of the first sample exchange source amount information through the mth sample exchange source amount information corresponding to the first sample financial institution through the mth sample financial institution included in the pre-defined sample financial institutions, the pth sample exchange source amount information that is the lowest among the first sample exchange source amount information through the mth sample exchange source amount information, and the pth sample financial institution corresponding to the pth sample exchange source amount information, and to additionally display at least a portion of a difference value between the average value and the kth specific exchange source amount information and a difference value between the pth sample exchange source amount information and the kth specific exchange source amount information.