Unmanned currency exchange method and unmanned currency exchange system

Abstract

Disclosed is an unmanned currency exchange method utilizing an unmanned currency exchange machine, characterized in that it includes: a step of selecting a currency exchange type and a currency type; a step of performing user authentication; a step of calculating an exchange amount by applying an exchange rate to a currency inserted into the unmanned currency exchange machine; a step of selecting a method for collecting the exchange amount; and a step of collecting the exchange amount according to the selected method, wherein the method is at least one of transfer, card accumulation, and cash collection.

Description

Technical Field

[0001] The present invention relates to an unmanned currency exchange method and an unmanned currency exchange system. More specifically, an unmanned currency exchange machine is used to exchange currencies through various collection methods such as transfer, card accumulation and cash collection, thereby not only solving the inconvenience of using the existing banking system or private exchange houses to exchange currencies, but also an unmanned currency exchange method and an unmanned currency exchange system are provided, without the need to open a new account, and the exchange amount can be collected in one's own account. Background Art

[0002] The number of domestic tourists traveling abroad from Japan and foreign tourists traveling to Japan from abroad is increasing. With this growth trend, the need for domestic and foreign tourists to exchange currency is also increasing.

[0003] As for the current currency exchange methods, domestic tourists mainly use the banking system to exchange currency, while foreign tourists exchange currency through private exchange offices.

[0004] However, since these banking systems and private exchange offices have set business hours, there is a problem that they cannot exchange currency when it is urgently needed.

[0005] In addition, from the perspective of domestic tourists, when they return home after completing their overseas trip and convert the remaining foreign currency into their own currency, they can only receive the exchange amount in cash.

[0006] In addition, from the perspective of foreign tourists, when they return to their home country after the trip, when they exchange the remaining foreign currency into their home country's currency, they can only receive the exchange amount in cash. Summary of the invention

[0007] [Technical issues solved]

[0008] The present invention is proposed to solve the above-mentioned problems. Its purpose is to provide an unmanned currency exchange method and an unmanned currency exchange system using an unmanned currency exchange machine, which can easily exchange currency when and where it is needed without using the existing banking system or private exchange offices.

[0009] Another object of the present invention is to provide an unmanned currency exchange method and an unmanned currency exchange system using an unmanned currency exchange machine, which does not require opening a new account and can transfer the exchange amount to one's own account.

[0010] Another object of the present invention is to provide an unmanned currency exchange method and an unmanned currency exchange system using an unmanned currency exchange machine, which can collect the exchange amount through various methods such as cash collection, transfer and card accumulation.

[0011] [Technical solution]

[0012] In order to achieve the above-mentioned purpose, the unmanned currency exchange method using an unmanned currency exchange machine according to the present invention includes: the step of selecting the currency exchange type and currency type; the step of performing user authentication; the step of calculating the exchange amount by applying the exchange rate to the currency put into the unmanned currency exchange machine; the step of selecting the collection method of the exchange amount; and the step of collecting the exchange amount according to the selected collection method, and the collection method can be at least one of transfer, card accumulation and cash collection.

[0013] The step of selecting the currency exchange type and the currency type can select at least one exchange type from coin exchange and banknote exchange through the unmanned coin exchange machine, and can select the currency type to be exchanged through the unmanned coin exchange machine.

[0014] The user authentication step may be at least one of identity card authentication, human body authentication, barcode authentication, mobile phone number authentication and sensor authentication.

[0015] When selecting a transfer collection method, it may include: a step in which the unmanned coin exchange machine sends a message to the currency exchange management server that the transfer collection method has been selected; a step in which the currency exchange management server receives the message that the transfer collection method has been selected and requests an authorization code from the bank intermediary server; a step in which the bank intermediary server that receives the authorization code request sends the authorization code to the currency exchange management server; a step in which the currency exchange management server that receives the authorization code requests the bank intermediary server to generate an access token for login; a step in which the bank intermediary server generates an access token for login and sends the generated access token for login to the currency exchange management server; and a step in which the currency exchange management server The server calls the user login API and inputs the user login information; the bank intermediary server queries the user login status and sends the user account information to the currency exchange management server when the user information is confirmed; the currency exchange management server receives the user account information and sends a request to the bank intermediary server to deposit the currency exchange amount into the user account; the bank intermediary server receives the request from the currency exchange management server to deposit the exchange amount into the user account, and sequentially requests the currency exchange management account to withdraw the exchange amount and deposit the exchange amount into the user account; and executes the steps of withdrawing the exchange amount from the currency exchange management account and depositing the exchange amount into the user account.

[0016] The steps of sequentially requesting to withdraw the exchange amount from the currency exchange management account and deposit the exchange amount into the user account may include: the step of the bank intermediary server requesting the first financial server holding the currency exchange management account to withdraw the exchange amount from the currency exchange management account; and the step of the bank intermediary server requesting the second financial server holding the user account to deposit the exchange amount into the user account.

[0017] The steps of extracting the exchange amount from the currency exchange management account and depositing the exchange amount into the user account may include: executing the step of extracting the exchange amount from the currency exchange management account through the first financial server and sending the execution result to the bank intermediary server; and executing the step of depositing the exchange amount into the user account through the second financial server and sending the execution result to the bank intermediary server.

[0018] When the method of collecting the card accumulation is selected, it may include: a step of determining whether a accumulation card is held; if determined to be held, inserting the accumulation card into the unmanned coin exchange machine; and a step of accumulating the exchange amount on the inserted accumulation card.

[0019] When the method of collecting the card accumulation is selected, it may include: a step of judging whether one holds a accumulation card; if it is judged that the accumulation card is not held, a step of judging whether one wishes to apply for a new accumulation card; if it is judged that one wishes to apply for a new accumulation card, a step of sending a request for a new accumulation card to the currency exchange management server; a step of the currency exchange management server requesting the card issuing intermediary server to issue a new accumulation card; a step of the card issuing intermediary server sending the new accumulation card number to the currency exchange management server after receiving the request to issue a new accumulation card; and a step of the currency exchange management server sending the new accumulation card number to the unmanned coin exchange machine; a step of the unmanned coin exchange machine receiving the new accumulation card number issuing a new accumulation card for the accumulated exchange amount.

[0020] When the cash collection is selected, the exchange amount can be paid by the unmanned coin exchange machine.

[0021] In order to achieve the other purposes, the unmanned currency exchange system according to the present invention may include: an unmanned currency exchange machine, which is used to input the selection of currency exchange type and currency type, perform user authentication, calculate the exchange amount by applying the exchange rate to the input currency, and select at least one exchange amount collection method from transfer, cash collection and card accumulation; a currency exchange management server, when receiving the input of selecting transfer to collect the exchange amount from the unmanned currency exchange machine, sends an authentication request for executing transfer to collect the exchange amount, and requests to deposit the exchange amount into the user account; a bank intermediary server, when receiving the authentication request from the currency exchange management server, queries the user login status, sends the user account information to the currency exchange management server, and requests withdrawal and deposit in sequence; a first financial server, when holding a currency exchange management account and receiving a withdrawal request from the bank intermediary server, executes the withdrawal of the exchange amount from the currency exchange management account; and a second financial server, when holding a user account and receiving a deposit request from the bank intermediary server, executes the deposit of the exchange amount into the user account.

[0022] In addition, in order to achieve the above-mentioned purpose, the unmanned currency exchange system according to the present invention may include: an unmanned currency exchange machine, which is used to input the selection of currency exchange type and currency type, perform user authentication, calculate the exchange amount by applying the exchange rate to the input currency, and select at least one exchange amount collection method from transfer, cash collection and card accumulation; a currency exchange management server, when receiving the exchange amount collection accumulated by the selected card of the unmanned currency exchange machine, requests the issuance of a new accumulation card and sends the new accumulation card number to the unmanned currency exchange machine; and a card issuing intermediary server, when receiving the request for issuing a new accumulation card from the currency exchange management server, generates a new accumulation card number and sends the new accumulation card number to the currency exchange management server.

[0023] [Effects of the Invention]

[0024] According to the present invention, it has the following advantages: when and where currency exchange is needed, there is no need to use the existing banking system or private exchange offices, and currency exchange can be easily performed using an unmanned currency exchange machine.

[0025] In addition, it can achieve the effect of transferring the exchange amount to one's existing account without opening a new account.

[0026] In addition, the exchange amount can be collected by various methods such as cash collection, transfer and card accumulation, which has the advantage of exchanging currency according to the needs of the user. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 is a simplified diagram of an unmanned currency exchange system according to one embodiment of the present invention;

[0028] Figure 2 is a schematic diagram of an unmanned currency exchange system according to another embodiment of the present invention;

[0029] Figure 3 is a simplified flow chart of an unmanned currency exchange method using an unmanned currency exchange machine according to one embodiment of the present invention;

[0030] Figure 4 It is a simplified flowchart for executing the exchange amount collection when selecting transfer;

[0031] Figure 5 Yes Figure 4 A simplified flowchart of requesting and executing the withdrawal and deposit of exchange amount;

[0032] Figure 6 It is a simplified flowchart for executing the redemption amount collection when selecting card accumulation.

[0033] Preferred Embodiments

[0034] The technical terms used in this specification are only used to illustrate specific embodiments, and therefore should be understood as not intended to limit the present invention. In addition, the technical terms used in this specification, if no special other definition is made in this specification, should be understood as the meaning that can be generally understood by technicians with common sense in the field, and should not be interpreted as overly generalized meanings or overly narrowed meanings. In addition, when the technical terms used in this specification are erroneous technical terms that cannot accurately express the technical ideas of the present invention, they can be replaced by technical terms that can be understood by those skilled in the art.

[0035] In addition, general terms used in the present invention should be understood according to definitions given in dictionaries or the preceding and following contexts, and should not be interpreted in an overly narrowed meaning.

[0036] In addition, singular expressions used in this specification include the plural meaning if no other meaning is generated in the context. The terms "consisting of" or "including" in this application should not be understood as necessarily including all the constituent elements or steps recorded in the specification, but should be understood as possibly not including some of the constituent elements or steps, or further including other constituent elements or steps.

[0037] The present invention will be described in detail below in conjunction with the embodiments. However, this does not mean that the scope of the present invention is limited to the following embodiments.

[0038] Figure 1 is a simplified diagram of an unmanned currency exchange system according to an embodiment of the present invention.

[0039] Reference Figure 1 According to an embodiment of the present invention, an unmanned currency exchange system 100 may include: an unmanned currency exchange machine 10, a currency exchange management server 20, a bank intermediary server 30, a first financial server 40 and a second financial server 50.

[0040] The unmanned currency exchange machine 10 can input the selection of currency exchange type and currency type, perform user authentication, calculate the exchange amount by applying the exchange rate to the input currency, and select at least one exchange amount collection method from transfer, cash collection and card accumulation. This will be described in more detail below.

[0041] The unmanned currency exchange machine 10 may include an input unit for inputting a selection of currency exchange type and currency type, and a selection of a method for collecting the exchange amount. The input unit may be a touch key, a mechanical key, a touch screen, etc., but is not limited thereto.

[0042] The unmanned currency exchange machine 10 may include a communication unit for receiving exchange rate information from the outside and sending the received information to an external device through the input unit. The communication unit may include one or more modules to enable wireless communication with an external device.

[0043] The unmanned currency exchange machine 10 may include: a processing unit, which is used to calculate the exchange amount by applying the exchange rate received from the outside.

[0044] The unmanned coin exchange machine 10 may include a storage unit for storing coins and banknotes of each country's currency in a classified manner. The storage unit may be composed of currency types according to each country and may store coins and banknotes of each currency in a classified manner.

[0045] The unmanned coin exchange machine 10 may include: an output unit, which is used to provide processing results or information to the user.

[0046] When receiving the input of selecting transfer to collect the exchange amount from the unmanned coin exchange machine 10, the currency exchange management server 20 can send a user authentication request to the bank intermediary server 30 to execute the transfer to collect the exchange amount, and can also request the bank intermediary server 30 to deposit the exchange amount into the user account.

[0047] When receiving the user authentication request from the currency exchange management server 20, the bank intermediary server 30 queries the user login status, sends the user account information to the currency exchange management server 20, and can request withdrawals and deposits from the first financial server 40 and the second financial server 50 in turn.

[0048] The first financial server 40 , when holding a currency exchange management account and receiving a withdrawal request from the bank intermediary server 30 , can withdraw the exchange amount from the currency exchange management account.

[0049] The second financial server 50 , when holding a user account and receiving a deposit request from the bank intermediary server 30 , can deposit the exchange amount into the user account. DETAILED DESCRIPTION

[0050] Figure 2 is a schematic diagram of an unmanned currency exchange system according to another embodiment of the present invention.

[0051] Reference Figure 2 According to another embodiment of the present invention, an unmanned currency exchange system 200 may include: an unmanned currency exchange machine 10, a currency exchange management server 20 and a card issuing intermediary server 60.

[0052] The unmanned coin exchange machine 10 is constructed similarly to the Figure 1 The structures described are the same, so their description is omitted.

[0053] When receiving the exchange amount accumulated by the selected card of the unmanned coin exchange machine 10, the currency exchange management server 20 can request the issuing card intermediary server 60 to issue a new accumulated card, and send the new accumulated card number received by the issuing card intermediary server 60 to the unmanned coin exchange machine 10.

[0054] When receiving a request from the currency exchange management server 20 to issue a new reserve card, the card issuing intermediary server 60 generates a new reserve card number and can send the generated new reserve card number to the currency exchange management server 20 .

[0055] Figure 3 The present invention is a simplified flowchart of an unmanned currency exchange method using an unmanned currency exchange machine according to an embodiment of the present invention.

[0056] Reference Figure 3 According to an embodiment of the present invention, an unmanned currency exchange method using an unmanned currency exchange machine may include: a step S100 of inputting a selection of currency exchange type and currency type; a step S200 of performing user authentication; a step S300 of calculating the exchange amount by applying an exchange rate to the currency put into the unmanned currency exchange machine; a step S400 of inputting a selection of a method for collecting the exchange amount; and a step S500 of collecting the exchange amount according to the selected collection method.

[0057] In step S100 of inputting the selection of the currency exchange type and the currency type, the user can select at least one currency exchange type from coin exchange and banknote exchange through the input unit of the unmanned currency exchange machine, and can select the currency types of each country to be exchanged. When selecting the currency exchange type and the currency type, the currency types of each country can be selected after the currency exchange type is first selected, or alternatively, the currency exchange type can be selected after the currency types of each country are first selected.

[0058] According to the present invention, both coins and banknotes can be exchanged through the unmanned currency exchange machine, so that tourists can exchange currencies according to the currency exchange type they want. Similarly, for the type of currency, the unmanned currency exchange machine can be used to exchange currencies of various countries or regions such as the United States, Japan, Europe, China, Singapore, Malaysia, the Philippines, Australia, Thailand, the United Kingdom, Indonesia, Russia, Vietnam, South Korea, etc., so tourists from various countries can use the unmanned currency exchange method according to the present invention.

[0059] Afterwards, the user can perform user authentication S200 through various authentication methods such as identity card authentication such as passport, human body authentication such as eyelid or fingerprint, barcode authentication, mobile phone number authentication, and sensor authentication. In this embodiment, the user authentication is performed after the input of the selection of currency exchange type and currency type is completed, but the present invention is not limited to this. In another embodiment of the alternative, the selection of currency exchange type and currency type can be input after the user completes the authentication.

[0060] The step S300 of calculating the exchange amount is a step of calculating the exchange amount by applying an exchange rate to the currency inserted into the unmanned currency exchange machine.

[0061] For example, when a foreign tourist exchanges remaining won for U.S. dollars after a trip, the exchange rate can be applied to the won invested to calculate the dollar exchange amount.

[0062] At this time, the exchange rate varies according to the type of currency exchange. That is, even if it is the same currency, different exchange rates may apply to banknotes and coins.

[0063] The exchange rate may be updated regularly or irregularly, and therefore may fluctuate. The unmanned currency exchange machine is updated by receiving the exchange rate from a currency exchange management server, or by receiving the exchange rate from a third-party exchange rate information provider.

[0064] The step S400 of inputting the selection of the exchange amount collection method is a step in which the user selects at least one of transfer, card accumulation and cash collection through the input unit of the unmanned coin exchange machine.

[0065] When the selection of the collection method is input through the input unit, the exchange amount is collected according to the selected collection method S500. The collection of the exchange amount when selecting transfer S510, the collection of the exchange amount when selecting card accumulation S520, and the collection of the exchange amount when selecting cash collection will be described in more detail below.

[0066] Figure 4 It is a simplified flowchart for executing the exchange amount collection when selecting transfer.

[0067] Reference Figure 4 When the user selects the transfer collection method, the unmanned currency exchange machine sends a message to the currency exchange management server indicating that the transfer collection method has been selected S511.

[0068] The currency exchange management server that receives the selected transfer collection method sends the authentication key of the currency exchange management server that has been registered and issued before to the bank intermediary server, thereby requesting an authorization code from the bank intermediary server S512.

[0069] The bank intermediary server receiving the authorization code request from the currency exchange management server queries the service access authority and sends the authorization code to the currency exchange management server if the authority is available S513. At this time, the authorization code can be transmitted via a callback URL.

[0070] The currency exchange management server that receives the authorization code requests the bank intermediary server to generate an access token for login S514.

[0071] The bank intermediary server generates an access token for login, and sends the generated access token for login to the currency exchange management server S515.

[0072] The currency exchange management server calls the user login API and inputs the user login information S516. In another embodiment of the alternative solution, non-face-to-face contact authentication can be used for login.

[0073] The bank intermediary server queries the user login status, and after the query result and the user information is confirmed, the user account information is sent to the currency exchange management server S517.

[0074] The currency exchange management server receiving the user account information sends a request for depositing the currency exchange amount into the user account to the bank intermediary server S518.

[0075] The bank intermediary server receives the request from the currency exchange management server to deposit the exchange amount into the user account, and sequentially requests the first financial server and the second financial server to withdraw the exchange amount from the currency exchange management account and deposit the exchange amount into the user account S519-1.

[0076] The first financial server executes the extraction of the exchange amount from the currency exchange management account and the second financial server executes the deposit of the exchange amount into the user account S519-2.

[0077] Figure 5 Yes Figure 4 A simplified flowchart of requesting and executing the withdrawal and deposit of exchange amount.

[0078] Reference Figure 5 The bank intermediary server requests the first financial server holding the currency exchange management account to withdraw the exchange amount from the currency exchange management account S519-1a.

[0079] The bank intermediary server requests the second financial server holding the user account to deposit the exchange amount into the user account S519-1b.

[0080] The first financial server that receives the request to withdraw the exchange amount executes the process of withdrawing the exchange amount from the currency exchange management account S519-2a, and can send the execution result to the bank intermediary server. The bank intermediary server can send the received execution result to the currency exchange management server.

[0081] The second financial server receiving the exchange amount deposit request executes the deposit of the exchange amount into the user account S519-2b. And the execution result can be sent to the bank intermediary server. The bank intermediary server can send the received execution result to the currency exchange management server. The currency exchange management server can send the received execution result to the unmanned currency exchange machine. The result of the deposit of the exchange amount sent to the unmanned currency exchange machine can be provided to the user through the output unit of the unmanned currency exchange machine.

[0082] Collecting the exchange amount through bank transfer improves convenience compared to foreign tourists collecting the exchange amount directly in cash when they return to their home country after traveling domestically.

[0083] Figure 6 It is a simplified flowchart for executing the redemption amount collection when selecting card accumulation.

[0084] Reference Figure 6 When the user selects the card accumulation collection method, the unmanned coin exchange machine outputs information about whether the user holds a accumulation card S521.

[0085] When the user holds a deposit card, the user inputs a response that he holds the deposit card through the unmanned coin exchange machine, and inserts the deposit card into the unmanned coin exchange machine S522.

[0086] The unmanned currency exchange machine accumulates the exchange amount on the inserted accumulation card S523. At this time, the unmanned currency exchange machine can send the exchange amount accumulation information to the server of the corresponding accumulation card.

[0087] When the user does not hold a deposit card, the unmanned coin exchange machine outputs information S524 on whether to wish to issue a new deposit card.

[0088] When the user inputs a response on the unmanned currency exchange machine that he wishes to issue a new accumulated card, the unmanned currency exchange machine sends a request for issuing a new accumulated card to the currency exchange management server (S525).

[0089] The currency exchange management server that receives the request to issue a new accumulated card may request the issuing card intermediary server to issue a new accumulated card S526.

[0090] The card issuing intermediary server that receives the request to issue a new accumulated card generates new accumulated card information and can send the number of the new accumulated card to the currency exchange management server S527.

[0091] The currency exchange management server may send the number of the new accumulated card to the unmanned currency exchange machine S528.

[0092] The unmanned coin exchange machine that receives the new accumulated card number can issue a new accumulated card with the accumulated exchange amount S529. To further explain this in detail, the unmanned coin exchange machine that receives the new accumulated card number sends information about the prepared accumulated exchange amount to the currency exchange management server, and the currency exchange management server requests the issuing card intermediary server to accumulate the prepared accumulated exchange amount on the new card. The unmanned coin exchange machine issues a new accumulated card with the accumulated exchange amount. The unmanned coin exchange machine is provided with a card issuing unit for issuing new cards.

[0093] When you receive the exchange amount through the card accumulation method, you can not only accumulate it on the card you hold, but also accumulate it on a new card issued by an unmanned coin exchange machine, so it is convenient to use.

[0094] In addition, the exchange amount can be accumulated on a card, which is convenient for payment, compared with the cumbersome cash calculation when paying, and can be used when necessary, which improves the convenience for tourists. In addition, even after the trip, the exchange amount can be accumulated on a card that is easier to carry than cash, which can bring convenience when returning home.

[0095] Finally, when the user chooses to receive the payment in cash, the unmanned coin exchange machine can pay the calculated exchange amount to the user through the outlet of the unmanned coin exchange machine.

[0096] The above describes specific preferred embodiments of the present invention, but the present invention is not limited to the above specific embodiments. Therefore, it should be understood that a person skilled in the art with common sense can make various changes without departing from the spirit of the present invention protected by the claims of the present invention, and such changes should be included in the scope of the claims.

[0097] Industrial Applicability

[0098] The present invention can be applied to the tourism industry field utilizing an unmanned currency exchange method and an unmanned currency exchange system.

Claims

1. An unmanned currency exchange method, characterized in that: The following steps are involved: Select the currency exchange type and currency type through the unmanned currency exchange machine; Performing user authentication through the unmanned coin exchange machine; By means of the unmanned currency exchange machine, the exchange amount is calculated by applying the exchange rate to the currency inserted into the unmanned currency exchange machine; By means of the unmanned currency exchange machine, selecting transfer as a method of collecting the exchange amount; The unmanned currency exchange machine sends a message to the currency exchange management server indicating that the transfer and collection method has been selected; The currency exchange management server receives the selected transfer collection method and requests an authorization code from the bank intermediary server; The bank intermediary server receiving the authorization code request sends the authorization code to the currency exchange management server; The currency exchange management server receiving the authorization code requests the bank intermediary server to generate an access token for login; The bank intermediary server generates an access token for login, and sends the generated access token for login to the currency exchange management server; The currency exchange management server calls the user login API and inputs the user login information; The bank intermediary server queries the user's login status and sends the user's account information to the currency exchange management server after the user information is confirmed; The currency exchange management server receiving the user account information sends a request for depositing the currency exchange amount into the user account to the bank intermediary server; The bank intermediary server receives the request from the currency exchange management server to deposit the exchange amount into the user account, and sequentially requests to withdraw the exchange amount from the currency exchange management account and deposit the exchange amount into the user account; as well as The first financial server is used to extract the exchange amount from the currency exchange management account, and the second financial server is used to deposit the exchange amount into the user account.

2. The unmanned currency exchange method according to claim 1, characterized in that: The step of selecting the currency exchange type and the currency type is to select at least one exchange type from coin exchange and banknote exchange through an unmanned currency exchange machine, And the type of currency to be exchanged is selected through the unmanned currency exchange machine.

3. The unmanned currency exchange method according to claim 1, characterized in that: The user authentication is at least one of identity card authentication, human body authentication, barcode authentication, mobile phone number authentication and sensor authentication.

4. The unmanned currency exchange method according to claim 1, characterized in that: The steps of sequentially requesting the currency exchange management account to withdraw the exchange amount and depositing the exchange amount into the user account include: The bank intermediary server requests the first financial server holding the currency exchange management account to withdraw the exchange amount from the currency exchange management account; and The bank intermediary server requests the second financial server holding the user account to deposit the exchange amount into the user account.

5. The unmanned currency exchange method according to claim 1, characterized in that: The steps of extracting the exchange amount from the currency exchange management account through the first financial server and depositing the exchange amount into the user account through the second financial server include: The first financial server executes the step of extracting the exchange amount from the currency exchange management account and sending the execution result to the bank intermediary server; and The step of depositing the exchange amount into the user account and sending the execution result to the bank intermediary server is executed by the second financial server.

6. An unmanned currency exchange system, characterized in that: include: An unmanned currency exchange machine, which is used to input the selection of currency exchange type and currency type, perform user authentication, calculate the exchange amount by applying the exchange rate to the input currency, and select transfer as the method of collecting the exchange amount; The currency exchange management server, when receiving an input of selecting to transfer and collect the exchange amount from the unmanned currency exchange machine, sends an authentication request for executing the transfer and collecting the exchange amount, and requests to deposit the exchange amount into the user account; The bank intermediary server, when receiving the authentication request from the currency exchange management server, queries the user login status, sends the user account information to the currency exchange management server, and requests withdrawal and deposit in turn; The first financial server, when holding a currency exchange management account and receiving a withdrawal request from the bank intermediary server, executes the withdrawal of the exchange amount from the currency exchange management account; as well as The second financial server, when holding a user account and receiving a deposit request from the bank intermediary server, executes the deposit of the exchange amount into the user account, The currency exchange management server requests an authorization code from the bank intermediary server, and the bank intermediary server that receives the authorization code request sends the authorization code to the currency exchange management server. The currency exchange management server receiving the authorization code requests the bank intermediary server to generate an access token for login, and the bank intermediary server generates an access token for login and sends the generated access token for login to the currency exchange management server.

7. The unmanned currency exchange system according to claim 6, characterized in that: The currency exchange management server calls the user login API to input user login information; The bank intermediary server queries the user's login status and sends the user's account information to the currency exchange management server after the user information is confirmed; The currency exchange management server receiving the user account information sends a request for depositing the exchange amount into the user account to the bank intermediary server.

8. The unmanned currency exchange system according to claim 7, characterized in that: The bank intermediary server receives the request from the currency exchange management server to deposit the exchange amount into the user account, and sequentially requests to withdraw the exchange amount from the currency exchange management account and deposit the exchange amount into the user account.

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