Method for obtaining exchange rate information from each of plurality of types of financial institutions and displaying rankings of each of plurality of types of financial institutions and computing apparatus using the same

Abstract

To provide a method for obtaining exchange rate information of a plurality of types of financial institutions and displaying rankings of the plurality of types of financial institutions.SOLUTION: A method comprises: (a) by a computing apparatus, (i) crawling web pages of financial institutions belonging to a first subset to obtain first exchange rate information and (ii) supporting the input of exchange rate information from financial institutions belonging to a second subset to perform a process of obtaining second exchange rate information; and (b) supporting, if a query request for exchange rate information is obtained from a user terminal, displaying a specific financial institution selected according to a predetermined criterion from the first subset and the second subset and the corresponding specific exchange rate information by referring to a first correspondence relationship between the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between the financial institutions belonging to the second subset and the second exchange rate information.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] A method for obtaining exchange rate information of each of multiple types of financial institutions and displaying the ranking of each of the multiple types of financial institutions, and a computing device (METHOD FOR OBTAINING INFORMATION ON EXCHANGE RATE OF MULTIPLE-TYPE FINANCIAL INSTITUTIONS AND DISPLAYING THE RANKING OF THE MULTIPLE-TYPE FINANCIAL INSTITUTIONS AND COMPUTING DEVICE USING THE SAME) using the same are provided.

Background Art

[0002] The general public will use banks or private money changers to purchase foreign currency. However, most money changers offer much more favorable exchange rates to customers compared to banks.

[0003] On the other hand, there are differences in exchange rates among money changers as well. Unlike banks, it is very rare for money changers to announce exchange rates through the Internet. Moreover, since exchange rates change every moment, it is impossible to compare the exchange rates of money changers scattered in various regions at the same time.

[0004] Therefore, customers who want to exchange money need to be assisted to make exchanges with reference to conditions favorable to themselves (such as exchange rate amounts, distances, etc.). On the other hand, it is necessary to promote the exchange rate competition between banks and private money changers, and at the same time, there is a growing need for a plan for financial institutions with comparable competitiveness in exchange rates to effectively promote themselves.

[0005] In the present invention, a method for reasonably obtaining exchange rate information of each of multiple types of financial institutions and conveniently displaying the ranking of each of the multiple types of financial institutions in an order-made type for users is proposed.

Summary of the Invention

Problems to be Solved by the Invention

[0006] An object of the present invention is to solve all of the above-described problems.

[0007] In addition, the present invention performs crawling on the web pages of each financial institution belonging to the first subset among all financial institutions to obtain each of the first exchange rate information, and supports inputting exchange rate information from each of the financial institutions belonging to the second subset among all financial institutions to obtain each of the second exchange rate information. In a state where each of the second exchange rate information has been obtained, if a query request regarding the exchange rate information is obtained, with reference to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, at least one specific financial institution selected according to a predetermined criterion among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution are supported to be displayed. This is another object.

[0008] Further, the present invention refers to the first correspondence relationship between each financial institution belonging to the first subset and each first exchange rate information, and the second correspondence relationship between each financial institution belonging to the second subset and each second exchange rate information. When it is sensed that there is a specific correspondence relationship exceeding a preset critical time, (i) among the specific financial institutions, if a part of the specific financial institutions corresponding to the specific correspondence relationship is determined to be a partner of the first type, at least one of the process of obtaining partner crawling data and the process of assisting in obtaining partner direct input data is further performed to update the specific correspondence relationship; (ii) among the specific financial institutions, if another part of the specific financial institutions corresponding to the specific correspondence relationship is determined to be a partner of the second type, the process of assisting in obtaining partner direct input data is performed to update the specific correspondence relationship; (iii) among the specific financial institutions, if another part of the specific financial institutions corresponding to the specific correspondence relationship is determined to be a first non-partner financial institution from which membership application information has not been obtained among the financial institutions belonging to the first subset, another purpose is to obtain first non-partner crawling data and update the specific correspondence relationship.

Means for Solving the Problems

[0009] According to an embodiment of the present invention, in a method for obtaining exchange rate information of each of a plurality of types of financial institutions and displaying rankings of each of the plurality of types of financial institutions, (a) a computing device performs at least one of: (i) a process of performing crawling on web pages of each of the financial institutions belonging to a first subset among all financial institutions to obtain respective first exchange rate information; and (ii) a process of assisting in inputting exchange rate information from each of the financial institutions belonging to a second subset among all financial institutions to obtain respective second exchange rate information; and (b) when a query request regarding exchange rate information is obtained from a user terminal, the computing device refers to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, and assists in displaying at least one specific financial institution selected according to a predetermined criterion among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution.

[0010] In one example, before the step (a), if application information is obtained from a partner candidate financial institution which is any one of the entire financial institutions (a00), the computing device determines the partner candidate financial institution as a partner financial institution, and checks whether there is partner crawling data corresponding to the partner exchange rate information for the partner financial institution; (a01) if it is determined that the partner crawling data exists, the computing device determines the partner financial institution as a type 1 partner, and if it is determined that the partner crawling data does not exist, the computing device determines the partner financial institution as a type 2 partner; and (a02) if the partner financial institution is determined as the type 1 partner, the computing device grants the partner financial institution the right to select any one of the partner crawling data and partner direct input data, and if the partner financial institution is determined as the type 2 partner, the computing device determines the partner direct input data as the partner exchange rate information; and is further characterized by including this.

[0011] In one example, before the step (a), if it is determined that there is a first non-partner financial institution that belongs to the first subset and from which the application information has not been obtained (a03), the computing device determines the first non-partner crawling data corresponding to the first non-partner financial institution as the first non-partner exchange rate information; and is further characterized by including this.

[0012] In one example, in the step (b), if it is determined that there are a plurality of financial institutions with the same priority score according to the predetermined criteria among the specific financial institutions, and they are regarded as the same ranking institutions, the computing device refers to the information regarding the first type of partners and the information regarding the second type of partners, and supports displaying the information regarding the financial institutions corresponding to the information regarding the first type of partners or the information regarding the second type of partners among the same ranking institutions above the information regarding the financial institutions that do not correspond to either the information regarding the first type of partners or the information regarding the second type of partners among the same ranking institutions.

[0013] In one example, before the step (a), if application information is obtained from a candidate partner financial institution which is any one of the entire financial institutions ((a04)), the computing device determines the candidate partner financial institution as a partner financial institution; and ((a05)) the computing device further includes the step of obtaining the business hours for each day of the week for each of the partner financial institution terminals corresponding to each of the partner financial institutions. In the step (b), the computing device determines whether the inquiry request time corresponding to the inquiry request from the user terminal is included in the business hours for each day of the week corresponding to each of the partner financial institutions, determines the partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset, determines the partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines at least a part of the specific financial institutions from among the first partner subset and the second partner subset.

[0014] In one example, in the step (a), if it is sensed that application information has been obtained from a partner candidate financial institution which is any one of the entire financial institutions, the partner candidate financial institution is determined as a partner financial institution, and if it is determined that partner crawling data corresponding to the partner exchange rate information for the partner financial institution exists upon checking whether the partner crawling data exists, the partner financial institution is determined as a type 1 partner, and if it is determined that the partner crawling data does not exist, in a state where the partner financial institution is determined as a type 2 partner, the computing device, with reference to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, when it is sensed that there exists a specific correspondence relationship exceeding a preset critical time, (i) if, among the specific financial institutions, it is determined that some specific financial institutions corresponding to the specific correspondence relationship are type 1 partners, at least one of the process of obtaining the partner crawling data and the process of assisting in obtaining the partner direct input data is further performed to update the specific correspondence relationship, (ii) if, among the specific financial institutions, it is determined that some other specific financial institutions corresponding to the specific correspondence relationship are type 2 partners, the process of assisting in obtaining the partner direct input data is performed to update the specific correspondence relationship, (iii) if, among the specific financial institutions, it is determined that some other specific financial institutions corresponding to the specific correspondence relationship are first non-partner financial institutions from among the financial institutions belonging to the first subset for which the application information has not been obtained, first non-partner crawling data is obtained to update the specific correspondence relationship.

[0015] In one example, in the step (a), if subscription application information is obtained from a partner candidate financial institution which is any one of the entire financial institutions in (a06), the computing device determines the partner candidate financial institution as a partner financial institution; and (a07) when attempting to crawl the first exchange rate information from the first_1 exchange rate information to the first_n exchange rate information as the country-by-country exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, and it is determined that the first_k exchange rate information cannot be obtained as the exchange rate information for at least one country, the computing device supports the input of the first_k exchange rate information from the specific partner financial institution to obtain a full set of the first exchange rate information; and further includes the step of: characterized in that.

[0016] In one example, in the step (b), when assisting in displaying the specific financial institution and the specific exchange rate information, the computing device selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in the search target area determined with reference to at least one of the selection position information of the user terminal or the current position information of the user terminal, and assists in displaying the specific financial institution and the specific exchange rate information.

[0017] In one example, in the step (a), when accessing the web page to perform the crawling, the computing device checks whether the first exchange rate information managed by the web page is in text form; (a2) if it is determined that the first exchange rate information is not in the text form, the computing device uses OCR (Optical Character Recognition) to convert the first exchange rate information into the text form; and (a3) performing crawling on the converted first exchange rate information; and is further characterized by including the above steps.

[0018] In one example, in the step (b), when assisting in displaying the specific financial institution and the specific exchange rate information, if first intention information to purchase foreign currency is input from the user terminal, the computing device refers to the first intention information and displays the specific financial institution and the specific exchange rate information in ascending order. If second intention information to sell foreign currency is input from the user terminal, the computing device refers to the second intention information and assists in displaying the specific financial institution and the specific exchange rate information in descending order.

[0019] In one example, if any one of the specific financial institution and the specific exchange rate information is selected by the input of the user terminal in (c), the computing device further includes a step of assisting in displaying detailed information of the specific financial institution. The detailed information of the specific financial institution includes at least a part of address information corresponding to the specific financial institution, schematic diagram information, distance information from the selected position information of the user terminal, distance information from the current position information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information is determined.

[0020] According to another embodiment of the present invention, in a computing device for acquiring exchange rate information of each of a plurality of types of financial institutions and displaying rankings of each of the plurality of types of financial institutions, at least one memory for storing instructions; and at least one processor configured to execute the instructions, wherein the processor: (I) (i) a process of performing crawling on the web pages of each of the financial institutions belonging to the first subset among all financial institutions to acquire each of the first exchange rate information, and (ii) a process of assisting in inputting exchange rate information from each of the financial institutions belonging to the second subset among all financial institutions to acquire each of the second exchange rate information, and assisting in performing at least one of the processes; and (II) when a query request regarding exchange rate information is acquired from a user terminal, referring to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, and assisting in displaying at least one specific financial institution selected according to a predetermined criterion among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution; A computing device is provided that performs the process.

[0021] In one example, before the (I) process, if the processor obtains application information from a partner candidate financial institution which is any one of the entire financial institutions, the processor determines the partner candidate financial institution as a partner financial institution, and checks whether there is partner crawling data corresponding to the partner exchange rate information for the partner financial institution; (I01) if it is determined that the partner crawling data exists, the processor determines the partner financial institution as a type 1 partner, and if it is determined that the partner crawling data does not exist, the processor determines the partner financial institution as a type 2 partner; and (I02) if the partner financial institution is determined as the type 1 partner, the processor grants the partner financial institution the right to select either the partner crawling data or the partner direct input data, and if the partner financial institution is determined as the type 2 partner, the processor determines the partner direct input data as the partner exchange rate information. This is characterized by further performing the above processes.

[0022] In one example, before the (I) process, if the processor determines that there is a first non-partner financial institution that has not obtained the application information among the financial institutions belonging to the first subset, the processor determines the first non-partner crawling data corresponding to the first non-partner financial institution as the first non-partner exchange rate information. This is characterized by further performing the above process.

[0023] In one example, in the (II) process, if the processor determines that there are multiple financial institutions with the same priority score according to the predetermined criteria among the specific financial institutions and they are regarded as the same ranking institutions, the processor refers to the information about the first type of partners and the information about the second type of partners, and supports to display the information about the financial institution corresponding to the information about the first type of partners or the information about the second type of partners among the same ranking institutions above the information about the financial institutions that do not correspond to either the information about the first type of partners or the information about the second type of partners among the same ranking institutions.

[0024] In one example, before the (I) process, if the processor obtains application information for joining from a partner candidate financial institution which is any one of the entire financial institutions, the processor performs a process of determining the partner candidate financial institution as a partner financial institution; and a process of obtaining the business hours for each day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions. In the (II) process, the processor determines whether the inquiry request time corresponding to the inquiry request from the user terminal is included in the business hours for each day of the week corresponding to each of the partner financial institutions, determines the partner financial institutions whose inquiry request time is included in the business hours for each day of the week as the first partner subset, determines the partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as the second partner subset, and determines at least a part of the specific financial institutions from among the first partner subset and the second partner subset.

[0025] In one example, in the (I) process, if the processor senses that subscription application information has been obtained from a partner candidate financial institution which is any one of the entire financial institutions, the processor determines the partner candidate financial institution as a partner financial institution, checks whether there is partner crawling data corresponding to the partner exchange rate information for the partner financial institution, and if it is determined that the partner crawling data exists, determines the partner financial institution as a type-1 partner, and if it is determined that the partner crawling data does not exist, determines the partner financial institution as a type-2 partner. In a state where the partner financial institution is determined as a type-2 partner, with reference to the first correspondence between each financial institution belonging to the first subset and each of the first exchange rate information and the second correspondence between each financial institution belonging to the second subset and each of the second exchange rate information, if it is sensed that there is a specific correspondence exceeding a preset critical time, (i) if, among the specific financial institutions, it is determined that some specific financial institutions corresponding to the specific correspondence are type-1 partners, at least one of the process of obtaining the partner crawling data and the process of assisting in obtaining the partner direct input data is further performed to update the specific correspondence; (ii) if, among the specific financial institutions, it is determined that some other specific financial institutions corresponding to the specific correspondence are type-2 partners, the process of assisting in obtaining the partner direct input data is performed to update the specific correspondence; (iii) if, among the specific financial institutions, it is determined that some other specific financial institutions corresponding to the specific correspondence are first non-partner financial institutions from which the subscription application information has not been obtained among the financial institutions belonging to the first subset, first non-partner crawling data is obtained to update the specific correspondence.

[0026] In one example, in the (I) process, when the processor obtains subscription information from a partner candidate financial institution which is any one of the whole financial institutions, the processor determines the partner candidate financial institution as a partner financial institution; and in the process of attempting to crawl the first exchange rate information from the first exchange rate information 1_1 to the first exchange rate information 1_n as country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, if it is determined that the first exchange rate information 1_k cannot be obtained as exchange rate information for at least one country, the processor supports input of the first exchange rate information 1_k from the specific partner financial institution to obtain a full set of the first exchange rate information. This is the feature of the present invention.

[0027] In one example, in the (II) process, when the processor supports displaying the specific financial institution and the specific exchange rate information, the processor selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in a search target area determined with reference to at least one of the selection position information of the user terminal or the current position information of the user terminal, and supports displaying the specific financial institution and the specific exchange rate information. This is the feature of the present invention.

[0028] In one example, in the (I) process, when the processor accesses the web page to perform the crawling, the processor checks whether the first exchange rate information managed by the web page is in text form; if it is determined that the first exchange rate information is not in the text form, the processor uses OCR (Optical Character Recognition) to convert the first exchange rate information into the text form; and the processor performs crawling on the converted first exchange rate information. This is the feature of the present invention.

[0029] In one example, in the (II) process, when assisting the processor to display the specific financial institution and the specific exchange rate information, if first intention information to purchase foreign currency is input from the user terminal, the processor refers to the first intention information and displays the specific financial institution and the specific exchange rate information in ascending order. If second intention information to sell foreign currency is input from the user terminal, the processor refers to the second intention information and supports displaying the specific financial institution and the specific exchange rate information in descending order.

[0030] In one example, in (III), if any one of the specific financial institution and the specific exchange rate information is selected by the input of the user terminal, the processor further includes a process of assisting to display detailed information of the specific financial institution. The detailed information of the specific financial institution includes at least a part of address information corresponding to the specific financial institution, schematic information, distance information from the selected position information of the user terminal, distance information from the current position information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined.

Advantages of the Invention

[0031] According to the present invention, the following effects are achieved.

[0032] The present invention performs crawling on the web pages of each financial institution belonging to the first subset among all financial institutions to obtain each of the first exchange rate information, and assists in inputting exchange rate information from each of the financial institutions belonging to the second subset among all financial institutions to obtain each of the second exchange rate information. When a query request regarding exchange rate information is obtained, with reference to the first correspondence relationship between each financial institution belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each financial institution belonging to the second subset and each of the second exchange rate information, at least one specific financial institution selected according to a predetermined criterion among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution are supported to be displayed.

[0033] Further, the present invention, with reference to the first correspondence relationship between each financial institution belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each financial institution belonging to the second subset and each of the second exchange rate information, when it is sensed that there is a specific correspondence relationship exceeding a preset critical time, (i) among the specific financial institutions, if some specific financial institutions corresponding to the specific correspondence relationship are determined to be partners of the first type, at least one of the process of obtaining partner crawling data and the process of assisting in obtaining partner direct input data is further performed to update the specific correspondence relationship; (ii) among the specific financial institutions, if some other specific financial institutions corresponding to the specific correspondence relationship are determined to be partners of the second type, the process of assisting in obtaining partner direct input data is performed to update the specific correspondence relationship; (iii) among the specific financial institutions, if some other specific financial institutions corresponding to the specific correspondence relationship are determined to be first non-partner financial institutions for which membership application information has not been obtained among the financial institutions belonging to the first subset, there is an effect of obtaining first non-partner crawling data and updating the specific correspondence relationship.

Brief Description of the Drawings

[0034]

Figure 1

Figure 2

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Figure 7

Modes for Carrying Out the Invention

[0035] The detailed description of the invention described below refers to the accompanying drawings that illustrate specific embodiments in which the invention can be implemented as examples for clarifying each object, each technical solution, and each advantage of the invention. These embodiments are described in sufficient detail so that those skilled in the art can implement the invention.

[0036] Also, throughout the detailed description of the present invention and each claim, the word "comprising" and its variations are not intended to exclude other technical features, additional components, elements or steps. For those of ordinary skill in the art, other objects, advantages and characteristics of the present invention will become apparent in part from this specification and in part from the practice of the present invention. The following examples and drawings are provided as examples and are not intended to limit the present invention.

[0037] Furthermore, the present invention encompasses all possible combinations of the embodiments shown herein. It should be understood that the various embodiments of the present invention are different from each other but do not necessarily exclude each other. For example, the specific shapes, structures and characteristics described herein can be embodied in other embodiments without departing from the spirit and scope of the present invention in relation to one embodiment. Also, it should be understood that the position or arrangement of individual components within each disclosed embodiment can be changed without departing from the spirit and scope of the present invention. Therefore, the following detailed description is not to be taken in a limiting sense, and the scope of the present invention is limited only by the appended claims together with all ranges equivalent to what the claims claim, provided that the scope is appropriately described. In the drawings, like reference numerals refer to the same or similar functions throughout the various aspects.

[0038] Hereinafter, for the purpose of enabling those having ordinary knowledge in the technical field to which the present invention pertains to easily implement the present invention, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

[0039] FIG. 1 is a drawing showing a simplified configuration of a computing device 100 for acquiring exchange rate information of each of a plurality of types of financial institutions according to an embodiment of the invention and displaying rankings of each of the plurality of types of financial institutions.

[0040] Referring to FIG. 1, the computing device 100 can include a memory 110 that stores instructions for obtaining exchange rate information of each of a plurality of types of financial institutions and displaying rankings of each of the plurality of types of financial institutions, and a processor 120 that performs operations to display rankings of each of the plurality of types of financial institutions corresponding to the instructions stored in the memory. At this time, the computing device 100 can include a PC (Personal Computer), a mobile computer, and the like.

[0041] Specifically, the computing device 100 may achieve desired system performance by using a combination of a typical computing device (for example, a device that can include a computer processor, a memory, a storage, an input device, and an output device, and other components of an existing computing device; an electronic communication device such as a router, a switch, etc.; an electronic information storage system such as a network-attached storage (NAS) and a storage area network (SAN)) and computer software (that is, instructions for causing the computing device to function in a specific manner).

[0042] In addition, the processor of the computing device 100 can include a hardware configuration such as an MPU (Micro Processing Unit) or a CPU (Central Processing Unit), a cache memory, a data bus, etc. Further, the computing device 100 can also include a software configuration of an operation system and an application for performing a specific purpose.

[0043] However, it does not exclude the case where the computing device 100 includes an integrated processor in a form in which a medium, a processor, and a memory for implementing the present invention are integrated.

[0044] And the computing device 100 can be associated with a database (not shown) that contains information used to display rankings for each of multiple types of financial institutions. Here, the database (not shown) can include, but is not limited to, a storage medium of at least one type among flash memory type, hard disk type, multimedia card micro type, card type memory (e.g., SD or XD memory), Random Access Memory (RAM), Static Random Access Memory (SRAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, and can include all media capable of storing data. Also, the database (not shown) can be installed separately from the computing device 100, or, alternatively, can be installed inside the computing device 100 to send or receive data and record the received data, and can also be implemented separately into two or more, which can vary depending on the implementation conditions of the invention.

[0045] On the other hand, the financial institution terminal 200 and the user terminal 300 can also send and receive necessary information while interacting with the computing device 100. The financial institution terminal 200 can include terminals used in various types of financial institutions such as the first type of partner 201, the second type of partner 202, the first non - partner 203, the second non - partner 204, etc. Also, the user terminal 300 can include a smartphone 301, a mobile computer 302, a PC 303, etc.

[0046] This will be described in more detail below.

[0047] A method for displaying the rankings of multiple types of financial institutions on the user terminal 300 by using the computing device 100 according to an embodiment of the present invention configured as described above will be described with reference to FIG. 2 as follows.

[0048] FIG. 2 is a drawing for explaining a simplified procedure of a method for obtaining exchange rate information of each of multiple types of financial institutions according to an embodiment of the present invention and displaying the rankings of each of the multiple types of financial institutions.

[0049] First, the computing device 100 can assist in performing at least one of (i) a process of performing crawling on the web pages of each financial institution belonging to the first subset among all financial institutions to obtain each of the first exchange rate information, and (ii) a process of assisting in inputting exchange rate information from each of the financial institutions belonging to the second subset among all financial institutions to obtain each of the second exchange rate information (S210).

[0050] Here, the financial institutions belonging to the first subset can include financial institutions that announce their own exchange rates, such as banks and credit unions, and the financial institutions belonging to the second subset can include financial institutions that do not announce their own exchange rates, such as money changers and money shops.

[0051] For reference, in step S210, when accessing and performing crawling on the web pages of each financial institution belonging to the first subset, the computing device 100 can confirm whether each of the first exchange rate information managed by the web page is in text form.

[0052] At this time, if it is determined that the first exchange rate information is not in text form, the computing device 100 can use OCR (Optical Character Recognition) technology to convert the first exchange rate information into text form, and perform crawling on the converted first exchange rate information.

[0053] Thereafter, if a query request regarding exchange rate information is obtained from the user terminal 300, the computing device 100 refers to the first correspondence relationship between each financial institution belonging to the first subset and each piece of the first exchange rate information and the second correspondence relationship between each financial institution belonging to the second subset and each piece of the second exchange rate information, and can assist in displaying at least one specific financial institution selected according to a predetermined criterion and at least one specific exchange rate information corresponding to the specific financial institution among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset to the user terminal 300 (S220).

[0054] Here, the predetermined criterion can include at least a part of currency exchange rate information, currency buying and selling price information, regional information, distance information, partner information, etc., but is not limited thereto.

[0055] For reference, in step S220, when assisting in displaying specific financial institutions and specific exchange rate information, the computing device 100 can select specific financial institutions among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in the search target area determined with reference to at least one of the selection position information of the user terminal or the current position information of the user terminal.

[0056] Here, the selected location information of the user terminal is the area selected by the user through the UI provided to the user terminal 300. The user can select the whole country as the search target area, or can also select a specific prefecture or a specific city, town, or village, etc. Also, the current location information of the user terminal is the location automatically sensed and determined by the user's current location through GPS or the like. The search target area can be determined based on the user's current location information (for example, an area within 1 km radius from the user's current location information or a prefecture or city, town, or village corresponding to the user's current location information can be determined as the search target area).

[0057] On the other hand, before the step S210, the following steps can be performed in advance.

[0058] First, if application information for joining is obtained from a partner candidate financial institution which is any one of all financial institutions, the computing device 100 can determine the partner candidate financial institution as the partner financial institution, and can check whether there is partner crawling data corresponding to the partner exchange rate information for the partner financial institution.

[0059] Here, if it is determined that there is partner crawling data, the computing device 100 can determine the partner financial institution as a type-1 partner, and if it is determined that there is no partner crawling data, the computing device 100 can determine the partner financial institution as a type-2 partner.

[0060] Next, if the partner financial institution is determined as a type-1 partner, the computing device 100 can grant the partner financial institution the right to select either one of the partner crawling data and the partner direct input data, and if the partner financial institution is determined as a type-2 partner, the computing device 100 can determine the partner direct input data as the partner exchange rate information.

[0061] That is, depending on whether the partner financial institution for which the subscription application has been completed is a type 1 partner or a type 2 partner, it is determined whether to select crawling data and / or direct input data to determine exchange rate information, or to determine exchange rate information only with direct input data. For example, as type 1 partners, institutions such as banks and credit unions that have their own announced exchange rates can be assumed, and as type 2 partners, institutions such as money changers and money shops that do not have their own announced exchange rates can be assumed, but it is not limited thereto.

[0062] Also, if it is determined that there is a first non-partner financial institution among the financial institutions belonging to the first subset for which subscription application information has not been obtained, the computing device 100 can determine the first non-partner crawling data corresponding to the first non-partner financial institution as the first non-partner exchange rate information.

[0063] This determines at least some of the banks and credit unions among the banks and credit unions that belong to the first subset of financial institutions and for which no subscription application has been made as first non-partner financial institutions, and determines the crawling data as exchange rate information. For reference, since banks and credit unions, etc. announce their respective exchange rate information on web pages, crawling can be performed on the web pages.

[0064] For reference, among the money changers and money shops that belong to the second subset of financial institutions and for which no subscription application has been made, they can be determined as second non-partner financial institutions. Since money changers and money shops, etc. do not announce their respective exchange rate information on web pages, crawling cannot be performed. That is, the second non-partner financial institution can neither obtain crawling data nor obtain direct input data.

[0065] FIG. 3 is a drawing for explaining an example of a screen of a user terminal 300 that acquires exchange rate information of each of a plurality of types of financial institutions according to an embodiment of the present invention and displays rankings of each of the plurality of types of financial institutions. For reference, the screen of the user terminal can be displayed as shown in FIG. 3, but is not limited thereto.

[0066] Here, if it is determined that there are a plurality of financial institutions with the same priority score based on a predetermined criterion among specific financial institutions as the same ranking institutions, the computing device 100 refers to the information regarding the first type of partner and the information regarding the second type of partner, and among the same ranking institutions, the information regarding the financial institution corresponding to the information regarding the first type of partner or the information regarding the second type of partner is displayed higher than the information regarding the financial institution that does not correspond to either the information regarding the first type of partner or the information regarding the second type of partner. Here, the first type of partner and the second type of partner can be partner financial institutions whose membership has been approved by the computing device 100 after membership application information has been acquired.

[0067] Also, referring to FIG. 3, rankings 361, 362, 363... of a plurality of types of financial institutions can be displayed in a partial area 360 on the screen of the user terminal 300.

[0068] First, in FIG. 3, there is an area 310 where a country corresponding to the foreign currency for which currency exchange is desired can be selected, and various countries such as the United States can be selected. Also, there is an area 320 where "when buying foreign currency" or "when selling foreign currency" can be selected. For reference, in FIG. 3, when "when buying foreign currency" is selected, rankings 361, 362, 363... of a plurality of financial institutions are displayed in the order from the institution with the lowest exchange rate to the institution with the highest exchange rate (that is, in ascending order).

[0069] Also, referring to FIG. 3, there is an area 330 where a region can be selected, through which the whole country or a specific region can be selected, and it can also be set to be automatically selected based on the current location. Also, referring to FIG. 3, there is an area 340 where the amount of foreign currency to be exchanged can be input, and there is an area 350 where the amount required for the exchange can be seen. Here, the user can input a predetermined amount in the area 340 where the amount of foreign currency to be exchanged can be input, but the amount shown in the area 350 where the amount required for the exchange can be seen is calculated and output according to a predetermined exchange rate automatically. Also, a default amount can be shown in the area 340 where the amount of foreign currency to be exchanged can be input.

[0070] Also, when rankings 361, 362, 363... of multiple financial institutions are displayed in a partial area 360, there can be an Interbank 361 and a Foreign Exchange Dollar Euro 362 which are financial institutions with the same exchange rate of 142.47. In this case, the Interbank 361 which has joined and maintains the partner status can be displayed above the Foreign Exchange Dollar Euro 362 for which the application information has not been obtained.

[0071] On the other hand, before the step S210, the computing device 100 can obtain the business hours for each day of the week from each of the financial institution terminals 201, 202, 203, 204.

[0072] This will be described as follows with reference to FIG. 4.

[0073] FIG. 4 is a drawing for explaining an example of the screen of a financial institution terminal capable of inputting business hours for each day of the week according to an embodiment of the present invention.

[0074] Before the S210 stage, the computing device 100 can further include a stage of obtaining business hours by day of the week for each partner financial institution. After that, at the S220 stage, the computing device 100 determines whether the inquiry request time corresponding to the inquiry request from the user terminal 300 is included in the business hours by day of the week for each of the partner financial institutions, determines the partner financial institutions whose inquiry request time is included in the business hours by day of the week as the first partner subset, determines the partner financial institutions whose inquiry request time is not included in the business hours by day of the week as the second partner subset, and can determine a specific financial institution to be exposed on the screen among the first partner subset. Of course, it is not limited to this, and a specific financial institution that is at least partially exposed on the screen can also be determined among the first partner subset and the second partner subset. In this case, in some cases, a first visual effect can be given to the specific financial institution selected from the first partner subset, and a second visual effect can be given to the specific financial institution selected from the second partner subset to distinguish them from each other. For example, the second visual effect can also show that it is in a state where it cannot be currently selected by making the color slightly darker. Of course, the visual effects can also not be given so as to be differentiated. On the other hand, if it is possible to obtain the business hours by day of the week of non-partner financial institutions through crawling or the like, it goes without saying that such an algorithm can also be applied to non-partner financial institutions.

[0075] A more detailed explanation of this is as follows.

[0076] Also referring to FIG. 4, each partner financial institution can input business hours according to each day of the week through its own financial institution terminal 200. Each day of the week can also be set to other times, can be set to the same time, or the business days can be selected with the ON / OFF button 430.

[0077] As shown in FIG. 4, it can be shown that the business hours are set from 09:00 to 18:00 from Monday to Friday, and the business is set to OFF on Saturdays, Sundays, and holidays, indicating that the business is not conducted.

[0078] After the business hours are set by day of the week through the financial institution terminal 200 in this way, when the computing device 100 receives an inquiry request time from the user terminal 300, it determines the partner financial institutions whose business hours correspond to the inquiry request time as the first partner subset, and can assist in displaying a specific financial institution with a high priority score in the first partner subset on the screen of the user terminal 300.

[0079] That is, even if the priority score is high, a partner financial institution whose business hours do not correspond to the inquiry request time from the user terminal 300 cannot be determined as a specific financial institution.

[0080] On the other hand, after the computing device 100 obtains the first correspondence relationship between each financial institution belonging to the first subset (that is, including banks and credit unions, etc.) and each of the first exchange rate information, and obtains the second correspondence relationship between each financial institution belonging to the second subset (that is, including money changers and money shops, etc.) and each of the second exchange rate information, consider the case where at least a part of the first correspondence relationship and the second correspondence relationship exceeds a preset critical time (that is, during the preset critical time, it has not been updated without changes in the first exchange rate information or the second exchange rate information).

[0081] First, after receiving an application information from a partner candidate financial institution which is one of all financial institutions, and approving the joining, and determining the partner candidate financial institution as a partner financial institution, if there is a specific correspondence relationship that does not change after exceeding a preset critical time, the computing device 100 can check whether there is partner crawling data corresponding to the partner exchange rate information for the partner financial institution. Here, if it is determined that there is partner crawling data, the partner financial institution is determined as a type 1 partner, and if it is determined that there is no partner crawling data, the partner financial institution can be determined as a type 2 partner. That is, among specific financial institutions, if some specific financial institutions corresponding to a specific correspondence relationship are determined to be type 1 partners, the computing device 100 can further perform at least one of the process of obtaining partner crawling data and the process of assisting in obtaining partner direct input data to update the specific correspondence relationship. Also, among specific financial institutions, if some other specific financial institutions corresponding to a specific correspondence relationship are determined to be type 2 partners, the computing device 100 can perform the process of assisting in obtaining partner direct input data to update the specific correspondence relationship. Also, among specific financial institutions, if some other specific financial institutions corresponding to a specific correspondence relationship are determined to be first non-partner financial institutions in which application information has not been obtained among the financial institutions belonging to the first subset, the computing device 100 can obtain first non-partner crawling data and update the specific correspondence relationship.

[0082] In other words, if a specific financial institution and fluctuations are not perceived to exceed a critical time at which corresponding exchange rate information is already set, the computing device 100 needs to actively access the relevant financial institution first to induce an update. The computing device 100 can perform a process of acquiring crawling data and / or a process of acquiring direct input data with reference to the type of the specific financial institution to perform an update.

[0083] On the other hand, FIG. 5 is a drawing showing an example of a screen of a partner financial institution terminal for assisting in directly inputting exchange rate information because an attempt to crawl according to an embodiment of the present invention fails to obtain exchange rate information. Of course, in some cases, even if crawling data is acquired, a UI for assisting in directly inputting exchange rate information can also be provided.

[0084] In step S210, an attempt is made to crawl each of the first_1 exchange rate information to the first_n exchange rate information as country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among partner financial institutions. However, a case where the first_k exchange rate information cannot be obtained as exchange rate information for at least one country can be considered.

[0085] At this time, the computing device 100 can assist in inputting the first_k exchange rate information from a specific partner financial institution to obtain a full set of the first exchange rate information (that is, exchange rate information without omission by country).

[0086] A more detailed explanation thereof is as follows.

[0087] Among partner financial institutions, there are banks and credit unions that can obtain crawling data, and they can obtain exchange rate information by country as crawling data. However, in some cases, exchange rate information for some countries may not be obtained.

[0088] That is, as shown in Figure 5, data related to 510 US dollars, 520 euros, and 530 British pounds can be used to perform crawling to call exchange rate information. However, since the exchange rate information 540 regarding China cannot be obtained through crawling, a UI for assisting direct input can be displayed on the screen of the partner financial institution terminal.

[0089] As shown in Figure 5, the country can be selected, and exchange rate information when selling foreign currency, ON / OFF buttons for "when selling foreign currency", exchange rate information when buying foreign currency, ON / OFF buttons for "when buying foreign currency", date information on which the exchange rate information was announced, etc. can be selected.

[0090] When ON is selected with the ON / OFF button for "when selling foreign currency" and the ON / OFF button for "when buying foreign currency", if the corresponding financial institution belongs to a specific financial institution with a high priority, the exchange rate information for this can be made visible. When OFF is selected, the exchange rate information can be made invisible.

[0091] Also, the date information on which the exchange rate information was announced can call the date information obtained by crawling the data and announced. If there is no announced date information, it can also be displayed as "-". Also, when "row deletion" is selected, the corresponding row can be deleted and the row below can move up. When "addition" is selected, a new pop-up window for addition can also be made visible. Such various examples are not limited to this.

[0092] On the one hand, FIG. 6 is a drawing for explaining an example of a screen of a user terminal that can be seen when a user attempts to purchase foreign currency according to an embodiment of the present invention.

[0093] In step S220, when assisting in displaying specific financial institutions and specific exchange rate information, if first intention information to purchase foreign currency is input from the user terminal 300, the computing device 100, with reference to the first intention information, displays the specific financial institutions and specific exchange rate information in ascending order. If second intention information to sell foreign currency is input from the user terminal 300, the computing device 100 can assist in displaying the specific financial institutions and specific exchange rate information in descending order with reference to the second intention information. This is similar to FIG. 3 described above.

[0094] Referring to FIG. 6, the rankings of a plurality of financial institutions can be displayed in a partial area 660 on the screen of the user terminal 300. There is an area 610 where the country corresponding to the foreign currency can be selected, for example, the United States can be selected. There is also an area 620 where "when buying foreign currency" or "when selling foreign currency" can be selected, and an area 630 where the region can be selected. In FIG. 6, "when buying foreign currency" is selected, and "within a radius of 10 km" is selected.

[0095] In addition, there is an area where conditions can be selected, and at least one of "in ascending order of advantage 640" and "in order of distance 650" can be selected. For reference, if "in ascending order of advantage 640" is selected, the rankings of a plurality of financial institutions will appear in ascending order "when buying foreign currency", and in descending order "when selling foreign currency". If "in order of distance 650" is selected, the nearest banks and exchange offices within the selected distance can be exposed. In some cases, the financial institutions with the top rankings corresponding to the ascending order according to the exchange rate information can be selected first, and the financial institutions with the top rankings thus selected can be sorted by distance and exposed on the screen.

[0096] On the one hand, FIG. 7 is a drawing for explaining an example of a screen of a user terminal on which detailed information of a specific financial institution is displayed according to an embodiment of the present invention.

[0097] After the steps of S210 and S220, if any one of a specific financial institution and specific exchange rate information is selected by a user input, the computing device 100 can assist in displaying the detailed information of the specific financial institution.

[0098] Here, the detailed information of the specific financial institution can include at least a part of address information corresponding to the specific financial institution, schematic diagram information, distance information from the selected position information of the user terminal 300, distance information from the current position information of the user terminal 300, telephone number information, inventory information by currency, and date information on which the specific exchange rate information is determined, but is not limited thereto.

[0099] As shown in FIG. 7, if "Interbank" is selected, the screen can be switched or a pop-up window can be opened to expose information 770 regarding the "Shinjuku Station Front Store" provided by "Interbank". In addition to the above-described address information, schematic diagram information, distance information, telephone number information, inventory information by currency, and date information on which the specific exchange rate information is determined, navigation information can also be further provided, and various additional services such as connection to a counselor of a specific financial institution can also be provided, but is not limited thereto.

[0100] The embodiments according to the present invention described above can be embodied in the form of program instruction words that can be executed through various components of a computer and can be stored in a computer-readable recording medium. The computer-readable recording medium can include program instruction words, data files, data structures, etc. alone or in combination. The program instruction words stored in the computer-readable recording medium can be those specially designed and configured for the present invention or those known and usable by those skilled in the field of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy (registered trademark) disks, and magnetic tapes, optical recording media such as CD-ROMs, DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instruction words such as ROMs, RAMs, flash memories, etc. Examples of program instruction words include not only machine language codes such as those made by compilers but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device can be configured to operate as one or more software modules to execute the processing according to the present invention, and vice versa.

[0101] Although the present invention has been described above by way of specific embodiments and drawings limited to specific matters such as specific components, this is only provided to assist in a more general understanding of the present invention, and the present invention is not limited to the above embodiments. Those having ordinary knowledge in the technical field to which the present invention pertains can make various modifications and deformations from such descriptions.

[0102] Therefore, the idea of the present invention should not be defined as being limited to the embodiments described above, and not only the scope of the following claims but also all those equivalently or equivalently deformed from the scope of the present claims belong to the scope of the idea of the present invention.

Claims

1. A method for acquiring exchange rate information of each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: (a) supporting a computing device to perform at least one of the following processes: (i) crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (b) when a query request for exchange rate information is acquired from a user terminal, the computing device supports displaying at least one specific financial institution selected according to a predetermined criterion from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information.

2. Prior to step (a), (a00) when subscription application information is acquired from any one of the partner candidate financial institutions among all the financial institutions, the computing device determines the partner candidate financial institution as a partner financial institution, and checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (a01) the computing device determines the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determines the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist; and (a02) the computing device grants the partner financial institution a choice between the partner crawling data and the partner direct input data if the partner financial institution is determined to be the first type partner, and determines the partner direct input data as the partner exchange rate information if the partner financial institution is determined to be the second type partner; The method of claim 1 further comprising:

3. Prior to step (a), (a03) if it is determined that there is a first non-partner financial institution from which the subscription application information has not been acquired among the financial institutions belonging to the first subset, the computing device determines first non-partner crawling data corresponding to the first non-partner financial institution as first non-partner exchange rate information; The method of claim 2 further comprising:

4. In the step (b), 3. The method of claim 2, wherein if it is determined that there are multiple financial institutions with the same priority score according to the predetermined criteria among the specific financial institutions as the same ranking organization, the computing device supports displaying information about financial institutions that correspond to the information about the first type partner or the information about the second type partner in the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the second type partner in the same ranking organization by referring to information about the first type partner and information about the second type partner.

5. Prior to step (a), (a04) when subscription application information is acquired from any one of the financial institutions, the computing device determines the financial institution as a partner financial institution; and (a05) the computing device further includes acquiring business hours for each day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions; In the step (b), The method of claim 1, wherein the computing device determines whether an inquiry request time corresponding to the inquiry request 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, determines partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset, determines partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines the specific financial institutions as at least a portion of the first partner subset and the second partner subset.

6. In the step (a), When it is detected that subscription application information has been acquired from any one of the partner candidate financial institutions among all the financial institutions, the partner candidate financial institution is determined to be a partner financial institution, and whether partner crawling data corresponding to partner exchange rate information for the partner financial institution is present is checked, and if it is determined that the partner crawling data is present, the partner financial institution is determined to be a first type partner, and if it is determined that the partner crawling data is not present, the partner financial institution is determined to be a second type partner. In this state, the computing device refers to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, and if it is detected that a specific correspondence relationship that exceeds a preset critical time exists, (i) among the specific financial institutions, 2. The method of claim 1, further comprising: (i) performing at least one of a process of acquiring partner crawling data and a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that a certain financial institution corresponding to the specific relationship is the first type partner; (ii) performing a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that another certain financial institution corresponding to the specific relationship among the specific financial institutions is the second type partner; and (iii) performing a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that another certain financial institution corresponding to the specific relationship among the specific financial institutions is a first non-partner financial institution for which the subscription application information has not been acquired among financial institutions belonging to the first subset.

7. In the step (a), (a06) when subscription application information is acquired from any one of the financial institutions, the computing device determines the financial institution as a partner financial institution; and (a07) attempting to crawl the 1_1 exchange rate information through the 1_n exchange rate information as the country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, if it is determined that the 1_k exchange rate information cannot be obtained as the exchange rate information for at least one country, the computing device supports input of the 1_k exchange rate information from the specific partner financial institution to obtain a full set of the first exchange rate information; The method of claim 1 further comprising:

8. In the step (b), The method of claim 1, wherein, in supporting the display of the specific financial institution and the specific exchange rate information, the computing device selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset 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 supports displaying the specific financial institution and the specific exchange rate information.

9. In the step (a), (a1) when accessing the web page to perform the crawling, the computing device determines whether the first exchange rate information managed by the web page is in a text form; (a2) if it is determined that the first exchange rate information is not in the text form, the computing device converts the first exchange rate information into the text form using optical character recognition (OCR); and (a3) performing crawling on the converted first exchange rate information; The method of claim 1 further comprising:

10. In the step (b), The method of claim 1, wherein, in supporting the display of the specific financial institution and the specific exchange rate information, when first intention information for purchasing foreign currency is input from the user terminal, the computing device supports displaying the specific financial institution and the specific exchange rate information in ascending order by referring to the first intention information, and when second intention information for selling foreign currency is input from the user terminal, the computing device supports displaying the specific financial institution and the specific exchange rate information in descending order by referring to the second intention information.

11. (c) when one of the specific financial institution and the specific exchange rate information is selected by input from the user terminal, the computing device further includes supporting to display detailed information of the specific financial institution; The method according to claim 1, wherein the detailed information of the specific financial institution includes at least some of the following: address information corresponding to the 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 specific exchange rate information was determined.

12. 1. A computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, the computing device comprising: At least one memory storing instructions; and at least one processor configured to execute said instructions; Including, The processor is a computing device that performs (I) (i) a process of supporting the execution of at least one of the processes of crawling the web pages of each of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) a process of supporting the input of exchange rate information from each of financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (II) a process of supporting, when a request for a query regarding exchange rate information is received from a user terminal, displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information.

13. Prior to the process (I), 13. The computing device of claim 12, wherein the processor further performs (I00) a process of determining a partner candidate financial institution as a partner financial institution when membership application information is acquired from any one of the partner candidate financial institutions among all the financial institutions, and checking whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (I01) a process of determining the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determining the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist; and (I02) a process of granting the partner financial institution a choice between the partner crawling data and partner direct input data if the partner financial institution is determined to be the first type partner, and determining the partner direct input data as the partner exchange rate information if the partner financial institution is determined to be the second type partner.

14. Prior to the process (I), The computing device of claim 13, wherein the processor further performs a process of (I03) determining, if it is determined that there is a first non-partner financial institution among the financial institutions belonging to the first subset from which the subscription application information has not been obtained, determining the first non-partner crawling data corresponding to the first non-partner financial institution as first non-partner exchange rate information.

15. In the process (II), 14. The computing device of claim 13, wherein the processor supports, when it is determined that there are a plurality of financial institutions having the same priority score according to the predetermined criteria among the specific financial institutions as the same ranking organization, displaying information about the financial institutions corresponding to the information about the first type partner or the information about the second type partner in the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the second type partner in the same ranking organization by referring to information about the first type partner and information about the second type partner.

16. Prior to the process (I), The processor further performs (I04) a process of determining a partner candidate financial institution as a partner financial institution when subscription application information is acquired from any one of the partner candidate financial institutions among all the financial institutions; and (I05) a process of acquiring business hours by day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions, In the process (II), 13. The computing device of claim 12, wherein the processor determines whether an inquiry request time corresponding to the inquiry request 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, determines partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset, determines partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines the specific financial institutions as at least a portion of the first partner subset and the second partner subset.

17. In the process (I), When it is detected that subscription application information has been acquired from any one of the partner candidate financial institutions among all the financial institutions, the processor determines the partner candidate financial institution as a partner financial institution, checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists, and determines the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determines the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist. In this state, when it is detected that a specific correspondence relationship that exceeds a preset critical time exists by referring to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, (i) among the specific financial institutions, 13. The computing device of claim 12, further comprising: (i) performing at least one of a process of acquiring partner crawling data and a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that a certain specific financial institution corresponding to the relationship is the first type partner; (ii) performing a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that another certain financial institution among the specific financial institutions corresponding to the specific relationship is the second type partner; and (iii) performing a process of supporting acquisition of partner direct input data to update the specific relationship if it is determined that another certain financial institution among the specific financial institutions corresponding to the specific relationship is a first non-partner financial institution among financial institutions belonging to the first subset for which the subscription application information has not been acquired, to acquire first non-partner crawling data to update the specific relationship.

18. In the process (I), 13. The computing device of claim 12, wherein the processor further performs (I06) a process of determining a partner candidate financial institution as a partner financial institution when membership application information is acquired from any one of the partner candidate financial institutions among all the financial institutions; and (I07) a process of supporting input of the 1_k exchange rate information from the specific partner financial institution to acquire a full set of the first exchange rate information when it is determined that crawling has been attempted for a specific partner financial institution among the partner financial institutions on 1_1 exchange rate information through 1_n exchange rate information as country-specific exchange rate information included in the first exchange rate information, but 1_k exchange rate information cannot be acquired as exchange rate information for at least one country.

19. In the process (II), The computing device of claim 12, wherein the processor, when supporting the display of the specific financial institution and the specific exchange rate information, selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset 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 supports displaying the specific financial institution and the specific exchange rate information.

20. In the process (I), The computing device of claim 12, wherein the processor further performs (I1) a process of checking whether the first exchange rate information managed by the web page is in text form when accessing the web page and performing the crawling; (I2) a process of converting the first exchange rate information into the text form using OCR (Optical Character Recognition) if it is determined that the first exchange rate information is not in the text form; and (I3) a process of performing crawling on the converted first exchange rate information.

21. In the process (II), 13. The computing device of claim 12, wherein the processor, when supporting the display of the specific financial institution and the specific exchange rate information, supports displaying the specific financial institution and the specific exchange rate information in ascending order by referring to the first intention information when first intention information to purchase foreign currency is input from the user terminal, and supports displaying the specific financial institution and the specific exchange rate information in descending order by referring to the second intention information when second intention information to sell foreign currency is input from the user terminal.

22. (III) if any one of the specific financial institution and the specific exchange rate information is selected by input of the user terminal, the processor further includes a process for supporting displaying detailed information of the specific financial institution; 13. The computing device of claim 12, wherein the detailed information of the specific financial institution includes at least some of 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 specific exchange rate information was determined, corresponding to the specific financial institution.

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