KR-102961838-B1 - Method of providing currency exchange service linked to transportation card recharging

KR102961838B1KR 102961838 B1KR102961838 B1KR 102961838B1KR-102961838-B1

Abstract

A method for providing a transportation card charging and exchange service, performed by a server according to the present invention, may include the steps of receiving an amount requested for exchange and a receiving means through an exchange kiosk; receiving from a user whether to charge a transportation card; when charging a transportation card, performing an exchange by deducting the amount charged to the transportation card from the amount requested for exchange according to a market standard exchange rate; and providing through the exchange kiosk a transportation card charged with an amount corresponding to the amount charged to the transportation card and a prepaid card charged with at least a portion of the amount exchanged.

Inventors

조성곤

Assignees

주식회사 케이워크파트너스

Dates

Publication Date: 20260507
Application Date: 20250625

Claims (8)

In a method for providing a transportation card top-up and exchange service performed by a server, A step of receiving the requested exchange amount and receiving method through an exchange kiosk; If a transportation card is selected as any of the above receiving means, the step of performing the exchange by deducting the transportation card top-up amount from the above exchange request amount according to the market standard exchange rate; and A step of providing a transportation card loaded with an amount corresponding to the amount loaded on the transportation card and a prepaid card loaded with at least a portion of the amount of the exchanged amount through the above exchange kiosk. In a method for providing a transportation card top-up and exchange service including, The above method of providing a transportation card top-up and exchange service is, It further includes a step of calculating the above-mentioned market standard exchange rate, and The above market reference exchange rate is, It is an exchange rate calculated based on transaction data, market data, and travel data, and The above transaction data is, Includes the average purchase exchange rate, exchange rates by customer transaction, and the standard buying and selling rates, The above market data is, Including online market exchange rates, offline market exchange rates, and exchange rates by denomination, The above travel data is, Data on foreign visitors to Korea, data on Korean nationals departing the country, total tourism spending by region, and data on the number of foreign visitors by region A method for providing a transportation card top-up and exchange service, characterized by including
In paragraph 1, The step of receiving the above-mentioned exchange request amount and receiving means is, A step of receiving user information from a user through the above-mentioned currency exchange kiosk; A step of calculating a recommended exchange amount using the above user information; and Step of outputting the above-mentioned recommended exchange amount A method for providing a transportation card top-up and exchange service characterized by including
In paragraph 2, The above user information is, Travel days, number of tourists, and information on at least one tourist attraction A method for providing a transportation card top-up and exchange service characterized by including
In paragraph 2, The step of calculating the recommended exchange amount above is, A step of calculating a first recommended exchange amount based on travel days and tourist destination information; and A step of calculating a second recommended exchange amount based on travel days, number of tourists, and tourist destination information; A method for providing a transportation card top-up and exchange service characterized by including
In paragraph 1, The step of performing and providing a transportation card top-up or currency exchange for the above requested exchange amount is A step of exchanging the above requested exchange amount and charging the first recommended exchange amount onto the transportation card and providing it; and A step of exchanging the above requested exchange amount and providing a second recommended exchange amount; A method for providing a transportation card top-up and exchange service characterized by including
In paragraph 1, The above method of providing a transportation card top-up and exchange service is, Step of providing re-exchange for the unused balance of the transportation card; A method for providing a transportation card top-up and exchange service characterized by further including
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In paragraph 1, The step of calculating the above market standard exchange rate is, A step of collecting and processing the above transaction data, the above market data, and the above travel data to generate function data for generating an exchange rate function; A step of deriving the exchange rate function by setting multiple hypotheses to predict the market reference exchange rate using the above function data; and A step of calculating the market reference exchange rate corresponding to the transaction conditions using the above exchange rate function; A method for providing a transportation card top-up and exchange service, characterized by including

Description

Method of providing currency exchange service linked to transportation card recharging The present invention relates to a method for providing a transportation card top-up and exchange service, and more specifically, to a technology for providing a transportation card top-up and exchange service linked by receiving input from a user regarding travel itineraries, tourist attraction information, etc., calculating a recommended exchange amount, and linking foreign currency exchange with transportation card top-up according to the user's selection. With the global influx of foreign tourists increasing, the demand for services linking foreign currency exchange with local transportation is steadily expanding across various countries. In particular, tourists visiting Korea are increasingly extending their travel destinations beyond the capital area to provincial cities and tourist spots; consequently, there is a growing need to establish infrastructure that enables more convenient access to foreign currency exchange services. However, existing currency exchange services are mostly concentrated at airports, downtown offices, or bank branches, posing a limitation that makes it difficult for users to freely exchange currency at various locations while traveling. Additionally, since currency exchange and transportation card top-ups are generally processed as separate procedures, foreign tourists often experience a complex and inconvenient process. While transportation cards are an essential means of using public transportation in Korea, existing currency exchange offices either do not offer top-up functions or require additional travel or procedures for recharging. Consequently, there is a demand for a service that integrates currency exchange and transportation card top-ups; in particular, there is a growing need for a system capable of automatically calculating the required exchange amount based on a travel itinerary and processing both transportation card top-ups and currency exchange simultaneously. FIG. 1 is a block diagram illustrating the connection of a server, a user terminal, a currency exchange server, an API gateway server, and a currency exchange kiosk according to an embodiment of the present invention. FIG. 2 is a block diagram illustrating a server according to an embodiment of the present invention. FIG. 3 is a flowchart illustrating a method for providing a transportation card charging and exchange service according to an embodiment of the present invention. FIG. 4 is a flowchart illustrating the steps for calculating a recommended exchange amount according to an embodiment of the present invention. Before specifically describing the present disclosure, the method of description in the specification and drawings is described. First, the terms used in this specification and claims have been selected based on general terms considering their functions in the various embodiments of this disclosure. However, these terms may vary depending on the intent of those skilled in the art, legal or technical interpretations, and the emergence of new technologies. Additionally, some terms have been arbitrarily selected by the applicant. Such terms may be interpreted according to the meanings defined in this specification; in the absence of specific definitions, they may be interpreted based on the overall content of this specification and common technical knowledge in the relevant field. In addition, the same reference numbers or symbols described in each drawing attached to this specification represent parts or components that perform substantially the same function. For convenience of explanation and understanding, the same reference numbers or symbols are used in different embodiments. That is, even if components having the same reference number are all depicted in multiple drawings, the multiple drawings do not imply a single embodiment. Additionally, in this specification and claims, terms including ordinal numbers, such as "first," "second," etc., may be used to distinguish between components. These ordinal numbers are used to distinguish identical or similar components from one another, and the meaning of the terms should not be limited by the use of such ordinal numbers. For example, the order of use or arrangement of components combined with such ordinal numbers should not be restricted by the number. If necessary, each ordinal number may be used interchangeably. In this specification, singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "comprising" or "consisting of" are intended to specify the existence of the features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, and should be understood as not precluding the existence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof. In embodiments of the present disclosure, t