Remittance request processing method and apparatus

Abstract

To provide a method and an apparatus for processing a remittance-related request received through a messenger application.SOLUTION: In the method, profile information including overseas stay information on a second user associated with a first user is provided through a first messenger application executed on a user terminal of the first user, a remittance request message including amount information and currency information to be remitted from the user terminal to the second user is received through the first messenger application, a remittance request including information on the first user, information on the second user, the amount information, and the currency information is delivered to a bank server in response to receiving the remittance request message, and a completion message for the remittance request message is provided through the first messenger application in response to receiving the completion message for the remittance request from the bank server.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present disclosure relates to a method and apparatus for processing money transfer requests. Specifically, the present disclosure relates to a method and apparatus for processing a request related to a user's money transfer received via a messenger application. [Background technology]

[0002] The development of air travel and other forms of public transportation has led to a significant increase in the frequency of overseas travel and business trips. This has led to a growing demand for exchanging various currencies used overseas. Domestic and international banks and exchange offices offer a variety of currency exchange and remittance services to meet this demand.

[0003] However, conventional currency exchange and remittance services may involve elements that may cause inconvenience or restrictions for users. For example, at least some banks and currency exchange offices are open only during limited hours. Due to such restrictions, overseas travelers and business travelers may experience difficulty in exchanging currency or transferring money at their desired times. Furthermore, overseas travelers and business travelers may need to visit a bank or currency exchange office in person to re-exchange or exchange additional currency while overseas. Due to such restrictions, overseas travelers and business travelers may be unable to process urgent currency exchange or remittance requests in a timely manner, which may cause inconvenience. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Korean Patent Publication No. 10-2024-0140640 Summary of the Invention [Problem to be solved by the invention]

[0005] The present disclosure provides a method, a computer program stored on a recording medium, and an apparatus for processing a request related to a money transfer received via a messenger application to solve the above-mentioned problems. [Means for solving the problem]

[0006] The present disclosure can be embodied in numerous forms, including as a method, an apparatus, or a computer program stored on a readable storage medium.

[0007] According to one embodiment of the present disclosure, a method for processing a request related to a money transfer received via a messenger application may include: (i) providing profile information including overseas stay information of a second user related to a first user via a first messenger application executed on a user terminal of the first user; (ii) receiving a money transfer request message including amount information and currency information to be transferred from the user terminal to the second user via the first messenger application; (iii) in response to receiving the money transfer request message, transmitting a money transfer request including information about the first user, information about the second user, amount information, and currency information to a bank server; and (iv) in response to receiving a completion message for the money transfer request from the bank server, providing a completion message for the money transfer request message via the first messenger application.

[0008] A computer-readable program may be provided to execute a method according to an embodiment of the present disclosure on a computer.

[0009] According to an embodiment of the present disclosure, there is provided an apparatus (or server, system), which may include a communication module, a memory, and at least one processor coupled to the memory and configured to execute at least one computer-readable program contained in the memory, wherein the at least one program may include instructions for (i) providing profile information, including overseas stay information of a second user related to a first user, via a first messenger application executed on a user terminal of the first user, (ii) receiving a remittance request message, including amount information and currency information to be remitted from the user terminal to the second user, via the first messenger application, (iii) in response to receiving the remittance request message, transmitting a remittance request, including information about the first user, information about the second user, amount information, and currency information, to a bank server, and (iv) in response to receiving a completion message for the remittance request from the bank server, providing a completion message for the remittance request message via the first messenger application.

[0010] According to one embodiment of the present disclosure, the remittance request message may further include communication information, and the at least one program may further include instructions for providing, in response to receiving a completion message for the remittance request from the bank server, a remittance notification message including information about the first user, amount information, currency information, and communication information via a second messenger application executed on the user terminal of the second user. [Effects of the Invention]

[0011] According to various embodiments of the present disclosure, a first user can send foreign currency to a second user residing overseas via a messenger application executed on a user terminal. As a result, from the perspective of the first user, time and space constraints associated with currency exchange and remittance can be minimized. Also, from the perspective of the second user, remittance can be conveniently received in the currency of the country in which the second user is residing.

[0012] According to various embodiments of the present disclosure, overseas stay information can be registered in the profile information of a user account via a messenger application executed on a user terminal, which allows the overseas stay information to be effectively shared between users registered as friends in the messenger application, thereby enabling the effective sharing of foreign currency gifts and exchange rate information between users.

[0013] According to various embodiments of the present disclosure, direct currency exchange between users is possible via a messenger application executed on a user terminal, thereby minimizing time and space constraints associated with currency exchange.

[0014] According to various embodiments of the present disclosure, a user can search for users who meet certain exchange conditions through a messenger application executed on the user terminal, thereby enabling the user to easily search for other users who meet the certain exchange conditions, thereby reducing the time and cost required for exchange.

[0015] The effects of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by a person having ordinary skill in the art to which the present disclosure pertains from the description in the claims. [Brief explanation of the drawings]

[0016] Embodiments of the present disclosure will now be described, without limitation, with reference to the accompanying drawings described below, in which like reference numerals indicate like elements and in which:

[0017] [Figure 1] 1 is a flowchart illustrating a method for processing a request related to a money transfer received via a messenger application according to one embodiment of the present disclosure. [Figure 2] 1 is a schematic diagram showing a configuration in which an information processing system is communicatively connected to a plurality of user terminals and a bank server to provide a remittance processing service according to one embodiment of the present disclosure. [Figure 3] 1 is a block diagram showing an internal configuration of a user terminal and an information processing system according to an embodiment of the present disclosure. [Figure 4] 10 is a diagram illustrating an example of a process of modifying a user's profile information in a messenger application according to an embodiment of the present disclosure. [Figure 5] 10 is a diagram illustrating an example of a process of processing a remittance request message in a messenger application according to an embodiment of the present disclosure. [Figure 6] 1 is a flowchart illustrating a method for modifying a remittance request based on bank balance information according to one embodiment of the present disclosure. [Figure 7] 1 is a flowchart illustrating a method for replenishing a bank balance based on bank balance information according to an embodiment of the present disclosure. [Figure 8] 1 is a flowchart illustrating a method for transmitting a remittance request based on a desired exchange rate according to an embodiment of the present disclosure. [Figure 9] 10 is a diagram illustrating an example of a process of providing a preview of a remittance notification message in a messenger application according to an embodiment of the present disclosure. [Figure 10] 1 is a flowchart illustrating a method for finding a currency exchange buddy according to an embodiment of the present disclosure. [Figure 11] 10 is a diagram illustrating a process of searching for a currency exchange friend in a messenger application according to an embodiment of the present disclosure. DETAILED DESCRIPTION OF THE INVENTION

[0018] <Summary of the Invention>

[0019] According to one embodiment of the present disclosure, the method may further include, before the step of transmitting the remittance request, a step of transmitting a confirmation request regarding the processability of the remittance request to the bank server, and a step of receiving a response message to the confirmation request from the bank server.

[0020] According to one embodiment of the present disclosure, the method may further include the steps of receiving bank balance information about the first user from the bank server if the response message indicates that the remittance request cannot be processed; generating a modified remittance request based on the bank balance information; communicating the modified remittance request via the first messenger application; and communicating the modified remittance request to the bank server in response to approval of the modified remittance request via the first messenger application.

[0021] According to one embodiment of the present disclosure, the method may further include the steps of receiving bank balance information about the first user from a bank server if the response message indicates that the remittance request cannot be processed; communicating a request to replenish the bank balance via the first messenger application; and communicating the replenishment request to the bank server in response to the replenishment request being approved via the first messenger application.

[0022] According to one embodiment of the present disclosure, the completion message for the remittance request message may include at least one of information about the first user, information about the second user, amount information, currency information, exchange rate information, or exchange fee information.

[0023] According to one embodiment of the present disclosure, the remittance request message may further include an exchange period and a desired exchange rate, and the step of transmitting the remittance request may include a step of determining whether the desired exchange rate will be met within the exchange period and a step of transmitting the remittance request to a bank server in response to determining that the desired exchange rate will be met within the exchange period.

[0024] According to one embodiment of the present disclosure, the method may further include providing a remittance failure message via the first messenger application if the desired exchange rate is not met within the exchange period.

[0025] According to one embodiment of the present disclosure, the remittance request message may further include communication information, and the method may further include, in response to receiving a completion message for the remittance request from the bank server, providing a remittance notification message including information about the first user, amount information, currency information, and communication information via a second messenger application executed on the user terminal of the second user.

[0026] According to one embodiment of the present disclosure, the method may further include providing a preview of the remittance advice message via the first messenger application prior to the step of transmitting the remittance request.

[0027] According to an embodiment of the present disclosure, the method may further include, after the step of providing the preview, receiving a request to modify at least one of the amount information or the currency information via the first messenger application.

[0028] According to one embodiment of the present disclosure, the method may further include determining the second user's overseas stay status based on at least one of GPS information of the second user's user terminal or input via a second messenger application executed on the second user's user terminal, and in response to determining that the second user is overseas, transmitting a guidance message regarding modifying profile information about the second user via the second messenger application.

[0029] According to one embodiment of the present disclosure, the method may further include steps of receiving overseas stay information and disclosure tolerances via a second messenger application executed on the user terminal of the second user, modifying profile information about the second user based on the overseas stay information, and providing the profile information about the second user to one or more user accounts corresponding to the disclosure tolerances, where the overseas stay information may include at least one of country of stay, length of stay, or preferred currency information.

[0030] According to one embodiment of the present disclosure, the method may further include a step of determining whether the second user is staying abroad based on at least one of GPS information of the second user's user terminal or input via a second messenger application executed on the second user's user terminal, and a step of providing a guidance message regarding finding a currency exchange friend via the second messenger application in response to determining that the second user is staying abroad.

[0031] According to one embodiment of the present disclosure, the method may further include identifying at least one user based on predetermined exchange conditions including at least one of a desired distance, a desired currency, or a desired exchange time, and providing map information via the second messenger application, wherein profile information about the identified user is displayed on a map.

[0032] According to one embodiment of the present disclosure, the method may further include receiving a change request including change conditions for predetermined currency exchange conditions via a second messenger application, updating map information based on the change conditions in response to receiving the change request, and providing the updated map information via the second messenger application.

[0033] According to one embodiment of the present disclosure, the method may further include receiving a user input via a second messenger application selecting a third user to proceed with the currency exchange based on the map information, and providing an interaction channel with the third user via the second messenger application in response to receiving the user input.

[0034] According to one embodiment of the present disclosure, the method may further include a step of determining the second user's overseas stay status and country of stay based on at least one of GPS information of the second user's user terminal or input via a second messenger application executed on the second user's user terminal, a step of transmitting a join request message to an interaction channel corresponding to the country of stay via the second messenger application in response to determining that the second user is overseas stay status, and a step of providing an interaction channel corresponding to the country of stay in response to the join request message being approved via the second messenger application.

[0035] <Detailed Description of the Invention>

[0036] Hereinafter, specific examples of the present disclosure will be described in detail with reference to the accompanying drawings. However, in the following description, specific descriptions of well-known functions and configurations will be omitted if they may unnecessarily obscure the gist of the present disclosure.

[0037] In the accompanying drawings, the same or corresponding components are denoted by the same reference numerals. In addition, in the following description of the embodiments, duplicated descriptions of the same or corresponding components may be omitted. However, omission of a description of a component does not mean that such a component is not included in a certain embodiment.

[0038] The advantages and features of the disclosed embodiments, as well as methods for achieving them, will become apparent from the following detailed description of the embodiments in conjunction with the accompanying drawings. However, the present disclosure is not limited to the following embodiments, and may be embodied in various different forms. However, the present embodiments are provided solely for the purpose of completing the disclosure and fully conveying the scope of the invention to those skilled in the art.

[0039] The terms used in this specification will be briefly explained, followed by a detailed description of the disclosed embodiments. The terms used in this specification are currently selected as widely used and common as possible within the scope of the function of this disclosure. However, these terms may change depending on the intentions of engineers in the relevant field, legal precedents, the emergence of new technologies, etc. In addition, in certain cases, the applicant may arbitrarily select terms, and in such cases, their meanings will be described in detail in the description of the invention. Therefore, the terms used in this disclosure should be defined based on the meanings of the terms and the overall content of this disclosure, rather than simply by their names.

[0040] In this specification, the singular expression includes the plural expression unless the context clearly dictates otherwise. Furthermore, the plural expression includes the singular expression unless the context clearly dictates otherwise. Throughout this specification, when a part includes a certain element, it does not mean that other elements are excluded, but that other elements may also be included, unless otherwise specified.

[0041] Additionally, as used herein, the terms "module" or "unit" refer to a software or hardware component, and the "module" or "unit" performs some function. However, a "module" or "unit" is not limited to software or hardware. A "module" or "unit" may be located on an addressable storage medium and configured to execute on one or more processors. Thus, by way of example, a "module" or "unit" may include components such as software components, object-oriented software components, class components, and task components, as well as at least one of a process, function, attribute, procedure, subroutine, program code segment, driver, firmware, microcode, circuit, data, database, data structure, table, array, or variable. The components and functionality provided within a "module" or "unit" may be combined into fewer components and "modules" or "units" or further separated by additional components and "modules" or "units."

[0042] According to one embodiment of the present disclosure, a "module" or a "unit" may be implemented with a processor and memory. "Processor" should be broadly interpreted to include a general-purpose processor, a central processing unit (CPU), a microprocessor, a digital signal processor (DSP), a controller, a microcontroller, a state machine, etc. In some environments, "processor" may refer to an application-specific integrated circuit (ASIC), a programmable logic device (PLD), or a field-programmable gate array (FPGA). "Processor" may refer to a combination of processing devices, such as a combination of a DSP and a microprocessor, a combination of multiple microprocessors, a combination of one or more microprocessors in conjunction with a DSP core, or any other such configuration. Furthermore, "memory" should be broadly interpreted to include any electronic component capable of storing electronic information. "Memory" may refer to various types of processor-readable media, such as RAM (random access memory), ROM (read-only memory), NVRAM (non-volatile RAM), PROM (programmable ROM), EPROM (erasable programmable ROM), EEPROM (electrically erasable PROM), flash memory, magnetic or optical data storage devices, registers, etc. Memory is in electronic communication with a processor if the processor can read information from or write information to the memory. Memory that is integrated into a processor is in electronic communication with the processor.

[0043] In this disclosure, a "system" may include, but is not limited to, at least one of a server device and a cloud device. For example, a system may be configured with one or more server devices. As another example, a system may be configured with one or more cloud devices. As yet another example, a system may operate in combination with a server device and a cloud device.

[0044] In this disclosure, "display" may refer to any display device associated with a computing device, such as any display device capable of displaying any information or data controlled by or provided by the computing device.

[0045] Furthermore, terms such as 1st, 2nd, A, B, (a), (b) and the like used in the following examples are merely used to distinguish one component from another, and these terms do not limit the essence or order of the components.

[0046] Furthermore, in the following examples, when a component is described as being "connected," "coupled," or "linked" to another component, it should be understood that the component may be directly connected or coupled to the other component, but that other components may also be "connected," "coupled," or "linked" between the components.

[0047] In the present disclosure, "each of a plurality of A's" or "each of a plurality of A's" may refer to each of all the components included in the plurality of A's or each of some of the components included in the plurality of A's.

[0048] Also, as used in the following examples, "comprises" and / or "comprising" does not exclude the presence or addition of a referenced component, step, operation and / or element to other components, steps, operations and / or elements.

[0049] In this disclosure, a "user" may refer to a user who uses a messenger application or a user account of a messenger application, where a user account may refer to an account or data associated therewith that a user creates and uses with a messenger application.

[0050] Before describing the various embodiments of the present disclosure, a description of the terminology used will be provided.

[0051] In the embodiments of the present disclosure, a "chat room" and / or a "chat channel" may refer to a virtual space or group that may be created in a messenger application installed on a computing device and in which one or more users (or user accounts) can participate. For example, one or more user accounts may participate in or be included in a chat room and / or chat channel and exchange various types of messages, files, and the like. Furthermore, a chat room and / or chat channel may support a VoIP (Voice over Internet Protocol) call or a VoIP group call function, allowing voice calls and / or video calls between user accounts. Furthermore, in addition to one or more user accounts, one or more bot accounts may be associated with or included in a chat room and / or chat channel, and the bot accounts may perform the same or similar functions as user accounts within the chat room and / or chat channel. A bot account or a user account may be associated with or included in one or more chat rooms and / or chat channels. Additionally, chat rooms and / or chat channels may include group chat rooms and / or group chat channels that multiple users can join, or open chat rooms and / or open chat channels that anyone can join via chat room and / or chat channel search or link, etc.

[0052] In an embodiment of the present disclosure, "profile information" refers to information that can be displayed in a list of user accounts in a messenger application together with information set by the user as information introducing the user account in the messenger application. For example, the profile information can include information introducing the user account, such as a user-set name, appellation (or ID, nickname), information related to the user's current status, music information, and photo information. Furthermore, multiple pieces of profile information can be entered into one user account. For example, the profile information for user A in a messenger application can be displayed differently for users B and C who are friends with user A.

[0053] In the embodiments of the present disclosure, the "currency information" may refer to the name of a currency commonly used in each country. For example, the currency information may be, but is not limited to, the name of a currency such as won, dollar, franc, euro, pound, yuan, or tugrik.

[0054] In an embodiment of the present disclosure, the "communication information" may be information that the remitter communicates to the remittance recipient along with the remittance. For example, the communication information may be information regarding the reason or purpose for the remitter to remit money to the remittance recipient. For example, if the remittance recipient is currently traveling abroad, the communication information may be a message such as "Happy Travel!" Here, the communication information may include, but is not limited to, text, images, audio, photo files, etc.

[0055] Various embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings. The sizes and positions of display screens, images, buttons, etc. shown and described in the drawings are illustrative and are not limiting. For example, some buttons may be added or omitted, or may be configured with sizes and positions different from those shown. Furthermore, the flowcharts shown in the drawings and their descriptions are merely examples, and may be implemented in different ways in some embodiments. For example, one or more steps may be omitted, the order of each step may be changed, one or more steps may be performed redundantly, or one or more steps may be performed repeatedly multiple times.

[0056] FIG. 1 is a flowchart illustrating a method for processing a request related to a money transfer received via a messenger application according to one embodiment of the present disclosure.

[0057] The method illustrated in FIG. 1 may be executed by at least one processor. According to an embodiment, the method of FIG. 1 may be executed by at least one processor included in an information processing system that provides a remittance processing service, as described below, although the present disclosure is not limited thereto. Hereinafter, a first messenger application may refer to a messenger application executed on a user terminal of a first user, and a second messenger application may refer to a messenger application executed on a user terminal of a second user. The first messenger application and the second messenger application may be substantially identical.

[0058] Referring to FIG. 1 , the method may begin with a processor providing profile information including overseas stay information of a second user associated with the first user via a first messenger application executed on the user terminal of the first user (S110).

[0059] In one embodiment, the processor may determine the second user's overseas status based on at least one of GPS information of the second user's user terminal or input via a second messenger application executed on the second user's user terminal. For example, the processor may analyze whether the GPS information of the second user's user terminal is located overseas based on the GPS information for each country to determine the second user's overseas status. In this case, the processor may analyze the country information of the second user. As another example, the second user may update their overseas status via the second messenger application.

[0060] In one embodiment, in response to determining that the second user is abroad, the processor may transmit a guidance message regarding modifying profile information for the second user via the second messenger application. In this case, the guidance message regarding modifying the profile information may provide an interface that links to a screen where modifications to the profile information can be input. In this case, the second user may modify their profile information via the interface provided in the guidance message regarding modifying the profile information. Alternatively, the second user may modify their profile information via a general profile information modification method provided in the second messenger application, without using the interface provided in the guidance message regarding modifying the profile information.

[0061] In one embodiment, the processor may receive overseas stay information via a second messenger application executed on the second user terminal. Here, the overseas stay information may include at least one of the country of stay, the length of stay, and the desired currency information. The processor may also modify profile information about the second user based on the overseas stay information. For example, if the second user is currently overseas and wishes to exchange currency, the second user may transmit to the processor the country of stay, the planned length of stay, the desired currency information, etc. that the second user wishes to reflect in their profile information. The second user may transmit the overseas stay information to the processor via a second messenger application. In this case, the second messenger application may provide options for the country of stay, the length of stay, and the desired currency information.

[0062] In one embodiment, the processor may receive a desired disclosure tolerance for the overseas stay information via the second messenger application. For example, the second user may select users registered as friends in the second messenger application to whom profile information including the second user's overseas stay information is to be disclosed, and transmit the selected users to the processor. In this case, the processor may provide a list of users registered as the second user's friends via the second messenger application and a button that allows the user to select users to whom profile information is to be disclosed. As another example, the second user may set the disclosure tolerance for the overseas stay information via the second messenger application to all friends in the second messenger application, friends at a certain level or above, friends who meet certain conditions (e.g., staying in the same country), etc.

[0063] In one embodiment, the processor may provide profile information about the second user to one or more user accounts corresponding to the disclosure tolerance. For example, if user A, user B, and user C are registered as friends in a second messenger application and the second user includes only user A in the disclosure tolerance and sends the information to the processor, the profile information including the second user's overseas stay information may be provided only to the messenger application of user A's user terminal, but not to the messenger applications of user B and user C's user terminals.

[0064] In one embodiment, the processor may provide a user interface related to stay information, including the country of stay, length of stay, preferred currency information, etc., on a screen displaying the second user's profile information.

[0065] Subsequently, the processor may receive, via the first messenger application, a remittance request message including amount information and currency information to be remitted from the user terminal to the second user (S120).

[0066] In one embodiment, the remittance request message may include information about the amount and currency of the remittance to the second user. The currency information may refer to the name of a currency commonly used in a country. For example, the currency information may be, but is not limited to, won, dollar, franc, euro, pound, yuan, tugrik, etc. In this case, an interface may be provided through the first messenger application that allows the user to select the currency of the remittance to the second user.

[0067] In one embodiment, the remittance request message may further include message information. A first user may send a remittance request message to a processor via a first messenger application, the message including information on the amount and currency of the remittance to the second user, as well as message information to be transmitted to the second user. Here, the message information may be information that the first user, who is the remitter, transmits to the second user, who is the remittance recipient, along with the remittance. For example, the message information may be information regarding the reason or purpose for the first user transmitting money to the second user. For example, if the second user is currently traveling abroad, the message may be a message such as "Happy Travel!" to congratulate the second user on their trip. Another example is a message such as "Happy Birthday!" to congratulate the second user on their birthday. Here, the message information may be a text file, an image file, an audio file, a photo file, or a combination thereof, and may be any type of file that can be exchanged between users within a messenger application.

[0068] In one embodiment, the processor may present, via the first messenger application, selectable text or images to be included in the communication. For example, the processor may present, via the first messenger application, selectable text or images, such as "Happy Birthday!" or "Happy Travel!", which are commonly used as communication messages. Additionally or alternatively, the first user may directly input text or images to be included in the communication via the first messenger application. The first user may also include, in the communication, any type of file that can be exchanged between users within a messenger application, such as a text file, an image file, an audio file, or a photo file.

[0069] In one embodiment, the user terminal of the first user may provide a screen on which a remittance request message including amount information, currency information, and transmission information to be remitted to the second user can be input via a first messenger application. The screen may be generated by a processor and based on data transmitted to the user terminal of the first user. When the first user inputs the amount information and currency information to be remitted to the second user via the screen on which a remittance request message can be input, the processor may display the amount information and currency information to be sent by the first user via the first messenger application. For example, if the first user of Korean nationality inputs $200 as the amount information and currency information to be remitted to the second user to send $200 to the second user, the processor may display 271,209 won as the amount information and currency information to be sent by the first user of Korean nationality via the first messenger application. Additionally or alternatively, if a first user inputs amount information and currency information to be sent by the first user and currency information to be sent to the second user via a screen on which a remittance request message can be input, the processor may display the amount information and currency information to be sent to the second user via the first messenger application. For example, if a first user of South Korean nationality inputs 271,209 won as the amount information and currency information to be sent by the first user and dollars as the currency information to be sent to the second user in order to send 200 dollars to the second user, the processor may display 200 dollars as the amount information and currency information to be sent to the second user via the first messenger application.

[0070] In one embodiment, the user terminal of the first user may display exchange rate information between currency information to be sent by the first user and currency information to be remitted to the second user via a screen on which a remittance request message can be input. For example, if the first user of South Korean nationality selects dollars as currency information to be remitted to the second user, the processor may display exchange rate information between won, which is the currency unit used in the first user's country, and dollars, which is the currency unit to be remitted to the second user, via a first messenger application.

[0071] Thereafter, in response to receiving the remittance request message, the processor can transmit a remittance request to the bank server, including information about the first user, information about the second user, amount information, and currency information (S130). The information about the first user may include information necessary for transmitting the remittance request from the first user to the second user to the bank server, such as the first user's name information, address information, and debit account information. Similarly, the information about the second user may include information necessary for transmitting the remittance request from the first user to the second user to the bank server, such as the second user's name information, address information, and receiving account information. Furthermore, the amount information and currency information may include information about the amount and currency to be sent by the first user. Furthermore, the amount information and currency information may include information about the amount and currency to be sent to the second user.

[0072] In one embodiment, before transmitting the remittance request to the bank server, the processor may transmit a confirmation request to the bank server regarding the ability to process the remittance request. For example, the processor may transmit a request to the bank server to confirm whether a sufficient amount is available to be withdrawn from the first user's bank balance based on amount information and currency information included in the remittance request message received via the first messenger application. The processor may also receive a response message to the confirmation request from the bank server. For example, the processor may receive a response message from the bank server regarding whether a sufficient amount is available to be withdrawn from the first user's bank balance.

[0073] In one embodiment, if the response message indicates that the remittance request cannot be processed, the processor may receive bank balance information about the first user from the bank server. The processor may also generate a revised remittance request based on the bank balance information and transmit the revised remittance request via the first messenger application. Thereafter, the processor may transmit the revised remittance request to the bank server in response to approval of the revised remittance request via the first messenger application. For example, if the processor receives a response message from the bank server indicating that the remittance request cannot be processed due to insufficient bank balance of the first user, the processor may receive information from the bank server that the first user has 1 million won remaining in their bank balance. In this case, the processor may generate a revised remittance request for 1 million won based on the bank balance information and transmit the revised remittance request for 1 million won via the first messenger application. Along with transmitting the revised remittance request, the processor may also display a guidance message regarding the revised remittance request via the first messenger application, such as "Your bank balance is insufficient. Would you like to remit the remaining 1 million won?" The criteria by which the processor sets the amount for the revised remittance request may be the maximum amount remaining in the bank balance, or the maximum amount remaining in the bank balance multiplied by a certain ratio. Alternatively, the processor may set the amount for the revised remittance request based on bank balance information through a pre-set algorithm. The criteria by which the processor sets the amount for the revised remittance request are not limited to the above and may be variously modified and changed within the scope of understanding of a person skilled in the art to which the present disclosure pertains.

[0074] In one embodiment, if the response message indicates that the remittance request cannot be processed, the processor may receive bank balance information about the first user from the bank server. The processor may also transmit a request to replenish the bank balance via the first messenger application, and transmit the replenishment request to the bank server in response to approval of the replenishment request via the first messenger application. For example, in a situation where the amount information to be sent by the first user is 3 million won when processing the remittance request, the processor may receive a response message from the bank server indicating that the first user's bank balance is insufficient and the remittance request cannot be processed. In this case, the processor may receive information from the bank server that the first user has 1 million won remaining in their bank balance. In this case, the processor may transmit the request to replenish the bank balance and simultaneously display a message regarding the bank balance replenishment request via the first messenger application, such as "Your bank balance is insufficient. Would you like to replenish the missing 2 million won?" The processor may transmit a request to the bank server to replenish 2 million won to the first user's bank balance in response to the first user approving the replenishment request via the first messenger application, or may transmit a revised remittance request regarding the remaining amount based on the bank balance information via the first messenger application or terminate processing of the remittance request if the first user does not approve the replenishment request.

[0075] In one embodiment, the remittance request message may further include a conversion period and a desired exchange rate. The processor may then determine whether the desired exchange rate will be met within the conversion period and, in response to determining that the desired exchange rate will be met within the conversion period, transmit the remittance request to the bank server. For example, a first user may set a conversion period of one week and a desired exchange rate of 1,350 won (won / dollar) via a first messenger application and transmit the remittance request message to the processor. In this case, the processor may periodically (e.g., daily) or irregularly determine whether the exchange rate will fall below 1,350 won (won / dollar) within one week from the time of receiving the remittance request message. If the exchange rate falls below 1,350 won (won / dollar) within one week from the time of receiving the remittance request message, the processor may determine that the desired exchange rate has been met within the conversion period and transmit the remittance request to the bank server. Additionally or alternatively, if the desired exchange rate is not met within the conversion period, the processor may provide a remittance failure message via the first messenger application. In the above example, if the exchange rate does not fall below 1,350 won (won / dollar) within one week from the time of receiving the remittance request message and continues to exceed 1,350 won (won / dollar), the processor may provide a remittance failure message via the first messenger application, such as "The desired exchange rate was not met. Remittance failed." After providing the remittance failure message, the processor may again receive the exchange period and desired exchange rate via the first messenger application. On the other hand, the processor may also terminate processing of the remittance request after providing the remittance failure message.

[0076] In one embodiment, the processor may provide a preview of the remittance advice message via the first messenger application before transmitting the remittance request to the bank server. Here, the remittance advice message may be a notification message regarding the first user's remittance provided via the second messenger application in response to the processor receiving a completion message for the remittance request from the bank server. The first user may check the remittance advice message to be transmitted to the second user via the preview of the remittance advice message.

[0077] In one embodiment, after providing a preview, the processor may receive a request to modify at least one of the amount information or currency information via the first messenger application. The first user may review the remittance notification message through the preview provided via the first messenger application and, if necessary, modify at least one of the amount information or currency information through the preview. For example, if the preview displays 30,000 won as the amount and currency information to be remitted to the second user, the first user may send a modification request to the processor through the preview to modify 30,000 won to 50,000 won. The processor may also receive a modification request for the message through the first messenger application. For example, if the preview displays the words "Happy Travel!" and a corresponding image as the message, the first user may send a modification request to modify the words "Happy Birthday!" and a corresponding image through the preview.

[0078] Subsequently, the processor may provide a completion message for the remittance request message via the first messenger application in response to receiving the completion message for the remittance request from the bank server (S140).

[0079] In one embodiment, the completion message for the remittance request message may include at least one of information about the first user, information about the second user, amount information, currency information, exchange rate information, or exchange fee information. Here, the amount information and currency information may be the amount information and currency information sent by the first user, or the amount information and currency information sent to the second user. In addition, the completion message for the remittance request message may further include, but is not limited to, remittance processing time information, bank account information, bank balance information, etc.

[0080] In one embodiment, in response to receiving a completion message for the remittance request from the bank server, the processor may provide a remittance notification message including information about the first user, amount information, currency information, and delivery information via a second messenger application executed on the user terminal of the second user. The remittance notification message may further include, but is not limited to, information about the second user, exchange rate information, currency conversion fee information, etc.

[0081] According to various embodiments of the present disclosure, the processor may determine whether the second user is abroad based on at least one of GPS information of the second user's user terminal or an input via a second messenger application executed on the second user's user terminal. In response to determining that the second user is abroad, the processor may provide a guidance message regarding finding a friend to exchange currency via the second messenger application. The guidance message regarding finding a friend to exchange currency will be described in detail with reference to FIGS. 10 and 11.

[0082] In one embodiment, the processor may receive predetermined exchange condition information via the second messenger application, and the predetermined exchange condition information may include at least one of a desired distance, a desired currency, or a desired exchange time.

[0083] In one embodiment, the processor may identify at least one user based on predetermined currency exchange conditions and provide map information in which profile information about the identified user is displayed on a map via the second messenger application.

[0084] In one embodiment, the processor may receive user input via the second messenger application selecting a third user to proceed with the exchange based on the map information, and in response to receiving the user input, may provide an interaction channel with the third user via the second messenger application.

[0085] In one embodiment, the processor may receive a change request via the second messenger application, the change request including a change to the predetermined exchange conditions. In response to receiving the change request, the processor may update the map information based on the change. The processor may provide the updated map information via the second messenger application.

[0086] In one embodiment, the processor may determine the second user's overseas stay status and country of stay based on at least one of GPS information of the second user's user terminal or input via a second messenger application executed on the second user's user terminal. In response to determining that the second user is overseas, the processor may transmit a join request message for an interaction channel corresponding to the country of stay via the second messenger application. In response to approval of the join request message via the second messenger application, the processor may provide the interaction channel corresponding to the country of stay.

[0087] This configuration allows users to easily send foreign currency to other users via a messenger application running on their terminals. In addition, direct currency exchange between users is possible via the messenger application on the user terminals, minimizing time and space constraints associated with currency exchange.

[0088] 1 and the above description are merely examples, and may be implemented in different ways in certain embodiments, such as by omitting one or more steps, changing the order of the steps, performing one or more steps redundantly, or performing one or more steps multiple times.

[0089] FIG. 2 is a schematic diagram illustrating a configuration in which an information processing system (or device, server) 230 is communicatively connected to multiple user terminals 210_1, 210_2, and 210_3 and a bank server 250 to provide a remittance processing service according to one embodiment of the present disclosure. The information processing system 230 may include systems capable of providing instant messaging services and / or systems capable of providing remittance processing services. In one embodiment, the information processing system 230 may include one or more server devices and / or databases, or one or more cloud-computing-based distributed computing devices and / or distributed databases, capable of storing, providing, and executing computer-executable programs (e.g., downloadable applications) and data related to the instant messaging service and / or the remittance processing service. For example, the information processing system 230 may include separate systems (e.g., servers) for the instant messaging service and / or the remittance processing service.

[0090] The instant messaging service, remittance processing service, etc. provided by the information processing system 230 may be provided to users via an instant messaging application, etc. installed on each of the multiple user terminals 210_1, 210_2, 210_3. For example, the instant messaging service may include a text messaging service, a voice messaging service, a video call service, a voice call service, a video streaming service, a social network service, a remittance processing service, etc. between users of the instant messaging application.

[0091] A plurality of user terminals (210_1, 210_2, 210_3) may communicate with an information processing system (230) via a network (220). The network (220) may be configured to enable communication between the plurality of user terminals (210_1, 210_2, 210_3) and the information processing system (230). Depending on the installation environment, the network (220) may be configured as a wired network such as Ethernet, a wired home network (power line communication), a telephone line communication device, or RS-serial communication, a mobile communication network, a wireless network such as WLAN (wireless LAN), Wi-Fi, Bluetooth, or ZigBee, or a combination thereof. The communication method is not limited and may include not only a communication method utilizing a communication network that the network (220) may include (e.g., a mobile communication network, a wired Internet, a wireless Internet, a broadcast network, a satellite network, etc.), but also short-range wireless communication between the user terminals (210_1, 210_2, 210_3).

[0092] In FIG. 2, a mobile phone terminal (210_1), a tablet terminal (210_2), and a PC terminal (210_3) are shown as examples of user terminals, but are not limited thereto. The user terminals (210_1, 210_2, 210_3) may be any computing devices capable of wired and / or wireless communication and capable of installing and executing an instant messaging application or the like. For example, the user terminals may include smartphones, mobile phones, car navigation systems, computers, notebooks, digital broadcasting terminals, PDAs, PMPs, tablet PCs, game consoles, wearable devices, IoT devices, VR devices, AR devices, etc. Furthermore, while FIG. 2 shows three user terminals (210_1, 210_2, 210_3) communicating with the information processing system 230 via the network 220, this is not limiting, and a different number of user terminals may be configured to communicate with the information processing system 230 via the network 220.

[0093] In one embodiment, each of the user terminals (210_1, 210_2, 210_3) can receive information or data from or transmit information or data to other user terminals over the network (220).

[0094] Furthermore, the information processing system 230 may communicate with the bank server 250 via a network 240 to provide remittance processing services. The network 240 may be configured to enable communication between the information processing system 230 and the bank server 250. Depending on the installation environment, the network 240 may be configured as a wired network such as Ethernet, a wired home network (power line communication), a telephone line communication device, or RS-serial communication, a mobile communication network, a wireless network such as WLAN (Wireless LAN), Wi-Fi, Bluetooth, or ZigBee, or a combination thereof. The communication method is not limited and may include not only a communication method utilizing a communication network that the network 240 may include (e.g., a mobile communication network, a wired Internet, a wireless Internet, a broadcast network, a satellite network, etc.), but also a short-range wireless communication of the bank server 250.

[0095] In one embodiment, the information processing system 230 may process data received from the user terminals 210_1, 210_2, and 210_3 and transmit the data to the bank server 250. The information processing system 230 may also process data received from the bank server 250 and transmit the data to the user terminals 210_1, 210_2, and 210_3. The purpose of processing the data received by the information processing system 230 is to enable the bank server 250 or the user terminals 210_1, 210_2, and 210_3 that receive the data to provide instant messaging services or remittance processing services without undergoing a separate data processing process when utilizing the received data. For example, the information processing system 230 may receive a remittance request message via a messenger application of the user terminals 210_1, 210_2, and 210_3. The information processing system (230) may then process the data included in the received remittance request message and transmit the remittance request to the bank server (250). By undergoing a data processing process in the information processing system (230), the data included in the remittance request message may be utilized to provide a remittance processing service without undergoing a separate data processing process in the bank server (250). Similarly, for example, the information processing system (230) may receive a completion message for the remittance request from the bank server (250). The information processing system (230) may then process the data included in the completion message for the received remittance request and provide the completion message for the remittance request message to the user terminals (210_1, 210_2, 210_3). By undergoing a data processing process in the information processing system (230), the data included in the completion message for the remittance request can be used to provide instant messaging services and / or remittance processing services in the user terminals (210_1, 210_2, 210_3) without undergoing a separate data processing process.

[0096] FIG. 3 is a block diagram illustrating the internal configuration of a user terminal 210 and an information processing system 230 according to an embodiment of the present disclosure. The user terminal 210 may refer to any computing device capable of executing applications, a web browser, and the like, and capable of wired or wireless communication. For example, the user terminal 210 may include the mobile phone terminal 210_1, tablet terminal 210_2, or PC terminal 210_3 of FIG. 2. As illustrated, the user terminal 210 may include a memory 312, a processor 314, a communication module 316, and an input / output interface 318. Similarly, the information processing system 230 may include a memory 332, a processor 334, a communication module 336, and an input / output interface 338. As illustrated in FIG. 3, the user terminal 210 and the information processing system 230 may be configured to communicate information and / or data over the network 220 using their respective communication modules 316 and 336. Additionally, the input / output device 320 may be configured to input information and / or data to the user terminal 210 via the input / output interface 318, and to output information and / or data generated by the user terminal 210.

[0097] The memory (312, 332) may include any non-transitory computer-readable storage medium. According to one embodiment, the memory (312, 332) may include a non-volatile mass storage device such as a read-only memory (ROM), a disk drive, a solid-state drive (SSD), or a flash memory. As another example, a non-volatile mass storage device such as a read-only memory (ROM), a disk drive, a flash memory, or a disk drive may be included in the user terminal (210) or the information processing system (230) as a separate, persistent storage device distinct from the memory. The memory (312, 332) may also store an operating system and at least one program code.

[0098] These software components may be loaded from a computer-readable storage medium separate from the memory 312, 332. This separate computer-readable storage medium may include a storage medium directly connectable to the user terminal 210 and the information processing system 230. For example, it may include a computer-readable storage medium such as a floppy disk drive, a disk, a tape, a DVD / CD-ROM drive, or a memory card. As another example, the software components may be loaded into the memory 312, 332 via the communication module 316, 336 rather than a computer-readable storage medium. For example, at least one program may be loaded into the memory 312, 332 based on a computer program to be installed by a file provided over the network 220 by a developer or a file distribution system that distributes application installation files.

[0099] The processors (314, 334) may be configured to process computer program instructions by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to the processors (314, 334) from the memory (312, 332) or the communications module (316, 336). For example, the processors (314, 334) may be configured to execute received instructions according to program code stored in a storage device, such as the memory (312, 332).

[0100] The communications modules 316, 336 may provide the functionality or structure for the user terminal 210 and the information processing system 230 to communicate with each other via the network 220. Furthermore, the communications modules 316, 336 may provide the functionality or structure for the user terminal 210 and / or the information processing system 230 to communicate with other user terminals or other systems (e.g., a separate cloud system, etc.). For example, requests or data (e.g., chat room search requests) generated by the processor 314 of the user terminal 210 in accordance with program code stored in a storage device, such as the memory 312, may be transmitted to the information processing system 230 via the network 220 under the control of the communications module 316. Conversely, control signals or commands provided under the control of the processor 334 of the information processing system 230 may be received by the user terminal 210 via the communications module 316 of the user terminal 210 via the communications module 336 and the network 220.

[0101] The input / output interface 318 may be a means for interfacing with the input / output device 320. Examples of input devices include a camera with an audio sensor and / or an image sensor, a keyboard, a microphone, a mouse, etc., and examples of output devices include a display, a speaker, a haptic feedback device, etc. As another example, the input / output interface 318 may be a means for interfacing with a device with an integrated input and output configuration or function, such as a touchscreen. For example, when the processor 314 of the user terminal 210 processes instructions of a computer program loaded into the memory 312, a service screen, etc., constructed using information and / or data provided by the information processing system 230 or another user terminal, may be displayed on the display via the input / output interface 318. While the input / output device 320 is illustrated as not being included in the user terminal 210 in FIG. 3, this is not limiting and the input / output device 320 may be configured as a single device with the user terminal 210. Additionally, the input / output interface 338 of the information processing system 230 may be a means for interfacing with an input or output device (not shown) that may be connected to or included in the information processing system 230. While the input / output interfaces 318, 338 are shown in Figure 3 as separate elements from the processors 314, 334, this is not limiting and the input / output interfaces 318, 338 may be configured to be included in the processors 314, 334.

[0102] The user terminal 210 and the information processing system 230 may include more components than those shown in FIG. 3 . However, it is not necessary to clearly illustrate most of the conventional components. In one embodiment, the user terminal 210 may be implemented to include at least a portion of the input / output device 320 described above. The user terminal 210 may also include other components such as a transceiver, a GPS module, a camera, various sensors, a database, etc. For example, if the user terminal 210 is a smartphone, it may include components typically included in a smartphone. For example, the user terminal 210 may also be implemented to include various components such as an acceleration sensor, a gyro sensor, a microphone module, a camera module, various physical buttons, buttons using a touch panel, an input / output port, and a vibration vibrator.

[0103] While a program such as an instant messaging application including a remittance processing service is running, the processor 314 receives input or selected text, images, videos, sounds, and / or actions through an input device such as a touch screen, keyboard, camera including audio and / or image sensors, and microphone, which are linked to the input / output interface 318, and may store the received text, images, videos, sounds, and / or actions in the memory 312 or provide them to the information processing system 230 via the communication module 316 and the network 220.

[0104] The processor 314 of the user terminal 210 may be configured to manage, process, and / or store information and / or data received from the input / output device 320, other user terminals, the information processing system 230, and / or multiple external systems. The information and / or data processed by the processor 314 may be provided to the information processing system 230 via the communication module 316 and the network 220. The processor 314 of the user terminal 210 may transmit and output information and / or data to the input / output device 320 via the input / output interface 318. For example, the processor 314 may display the received information and / or data on a screen of the user terminal 210.

[0105] The processor 334 of the information processing system 230 may be configured to manage, process, and / or store information and / or data received from the user terminals 210 and / or the external systems. The information and / or data processed by the processor 334 may be provided to the user terminals 210 via the communication module 336 and the network 220.

[0106] FIG. 4 is a diagram illustrating an example of a process of modifying a user's profile information in a messenger application according to an embodiment of the present disclosure.

[0107] In this embodiment, a processor (e.g., processor 334 of information processing system 230) can determine the second user's overseas status based on at least one of GPS information of the second user's user terminal (e.g., user terminal 210_2) or an input via a second messenger application executed on the second user's user terminal. The processor can determine the second user's overseas status based on the GPS information of the second user's user terminal if collection of GPS information of the second user's user terminal is permitted. For example, if the second user does not consent to collection of GPS information of the user terminal, the processor may not be able to determine the second user's overseas status based on the GPS information of the second user's user terminal. Furthermore, the second user can indicate that he or she is overseas via the second messenger application. For example, the second user can set his or her overseas status or the country of stay, etc., via the user settings of the second messenger application. In this case, the processor can determine that the second user is overseas.

[0108] The first screen (410) illustrates an example in which, in response to the processor determining that the second user is abroad, a prompt message (412) for modifying profile information related to the second user is provided via a second messenger application. As illustrated, along with the prompt message (412) for modifying the profile information, the second user may be provided with an interface (414) that connects to a screen for modifying the profile information via the second messenger application. The screen for modifying the profile information via the second messenger application may be provided by the second user selecting, by touch input or the like, the interface (414) that connects to the screen for modifying the profile information.

[0109] The second screen (420) illustrates an example of a screen for modifying profile information. As illustrated, the second user can input overseas stay information (422) to be reflected in the profile information through the screen for modifying profile information. The overseas stay information (422) may include, but is not limited to, the country of stay, the length of stay, and the preferred currency. As illustrated, the screen for modifying profile information may provide an interface (424) that connects to a screen where the second user can save the overseas stay information (422) entered by the second user and transmit the desired disclosure tolerance for the overseas stay information (422). By selecting the interface (424) that connects to a screen where the second user can transmit the desired disclosure tolerance for the overseas stay information (422) by touch input, the overseas stay information (422) entered by the second user is saved in the second user's profile information, and a screen may be provided where the second user can select the desired disclosure tolerance for the overseas stay information.

[0110] In one embodiment, the tab (426) for inputting the country of stay may display a list of overseas countries, and the second user may select a specific country from the list of overseas countries via the second messenger application. Alternatively, the second user may select a specific country by directly entering the name of the country they are staying in via the second messenger application. Similarly, the tab (428) for inputting the desired currency information may display a list of currency information for each country, and the second user may select a specific currency from the list of currency information for each country via the second messenger application. Alternatively, the second user may select a specific currency by directly entering the desired currency information via the second messenger application.

[0111] In one embodiment, the processor may display currency information corresponding to the country name selected or entered by the second user in tab 426 for entering the country of stay as desired currency information in tab 428 for entering desired currency information. For example, if the second user selects the United States as the country of stay, the processor may display the U.S. dollar, which is the currency used in the United States, as desired currency information.

[0112] A third screen (430) illustrates an example of a screen that allows a user to select users to whom the second user wishes to disclose their overseas stay information via the second messenger application. As illustrated, a list of users (432) may be provided on the screen that allows the user to select users to whom the second user wishes to disclose their overseas stay information. The second user may select users from the list of users (432) to whom the second user wishes to disclose their overseas stay information. The screen that allows the user to select users to whom the second user wishes to disclose their overseas stay information may also provide an interface (434) for completing the profile information edit. When the second user selects the interface (434) for completing the profile information edit by touch input, etc., the overseas stay information is reflected in the second user's profile information, and the profile information about the second user may be provided to the user selected by the second user. In addition, a message confirming the completion of the profile information edit may be provided in response to the second user selecting the interface (434) for completing the profile information edit by touch input, etc.

[0113] In one embodiment, the list of users (432) provided on the screen for selecting users to whom the user wishes to disclose their overseas stay information may be a list of users who are registered as friends in the second messenger application. In another embodiment, the list of users (432) provided on the screen for selecting users to whom the user wishes to disclose their overseas stay information may be a list of users who are registered as friends in the second messenger application and who have bank accounts. In other words, only users who have bank accounts that can receive remittances via the messenger application of the user terminal may be included in the list of users (432).

[0114] The fourth screen (440) shows an example in which profile information (442) including the second user's overseas stay information is provided via a messenger application executed on the user terminal of another user. Here, the other user may be a user selected by the second user as a user to whom the second user wishes to disclose their overseas stay information. As shown, the profile information (442) including the second user's overseas stay information may be provided via a messenger application executed on the user terminal of the other user. Although not shown, the profile information (442) including the second user's overseas stay information may not be provided to a messenger application executed on the user terminal of a user not selected by the second user.

[0115] In one embodiment, in addition to providing profile information (442) including the second user's overseas stay information to a messenger application executed on the user terminal of the other user, an interface (444) that connects to a screen on which a remittance request message can be created may be provided. The other user may select, by touch input or the like, the interface (444) that connects to a screen on which a remittance request message can be created, thereby providing the screen on which a remittance request message can be created.

[0116] According to some embodiments, the screens (410, 420, 430, 440) shown in FIG. 4 may be associated with data received by the user terminal of the second user from the processor (334) of the information processing system (230) or may be generated by the user terminal based on such data.

[0117] FIG. 5 is a diagram illustrating an example of a process of processing a money transfer request message in a messenger application according to an embodiment of the present disclosure.

[0118] The first screen (510) shows an example in which profile information (512) including information about a second user's stay abroad is provided via a first messenger application executed on the first user's user terminal (e.g., user terminal (210_1)). Here, the first user may be a user selected by the second user as a user to whom the second user wishes to disclose information about their stay abroad. As shown, profile information (512) including information about a second user's stay abroad may be provided via the first messenger application.

[0119] In one embodiment, a processor (e.g., processor 334 of information processing system 230) may provide profile information 512 including information about the second user's overseas stay via a first messenger application. In addition to providing profile information 512 via the first messenger application, the processor may also provide an interface 514 connecting to a screen on which a remittance request message can be created. The first user may select, by touch input or the like, interface 514 connecting to a screen on which a remittance request message can be created via the first messenger application, thereby providing a screen on which a remittance request message can be created.

[0120] The second screen (520) shows an example of a screen that allows a first user to create a remittance request message through the first messenger application. As shown, the first user can input information about the amount and currency to be sent by the first user (522), information about the amount and currency to be sent to the second user (524), and transmission information (526) through the screen that allows a first user to create a remittance request message. In addition, the screen that allows a first user to create a remittance request message can provide information about the exchange rate between the currency information to be sent by the first user (522) and the currency information to be sent to the second user (524).

[0121] In one embodiment, currency information (522) to be sent by the first user may be selected based on GPS information of the first user's user terminal without input from the first user. For example, if the processor determines that the first user is located in the Republic of Korea based on GPS information of the first user's user terminal, currency information (522) to be sent by the first user may be selected to be won, which is the currency unit used in the Republic of Korea. Additionally or alternatively, currency information (524) to be sent to the second user may be selected based on GPS information of the second user's user terminal without input from the first user. For example, if the processor determines that the second user is located in the United States based on GPS information of the second user's user terminal, currency information (524) to be sent to the second user may be selected to be US dollars, which is the currency unit used in the United States.

[0122] In one embodiment, when a first user inputs either information on the amount to be sent by the first user or information on the amount to be sent to the second user via a screen on which the first user can create a remittance request message, the processor can calculate and provide information on the amount to be sent to the second user or information on the amount to be sent by the first user based on exchange rate information between information on the currency to be sent by the first user and information on the currency to be sent to the second user. In this case, the exchange rate information may be information received from another device, such as the information processing system (230) or the bank server (250). The exchange rate information may be received when a request is made to the second screen (520) or when currency information is input, or may be updated at regular intervals or when a specific event occurs on the second screen (520).

[0123] In one embodiment, the first user can select a phrase or image to be included in the message (526) through a screen that allows the first user to create a remittance request message. Additionally or alternatively, the first user can directly input a phrase or image to be included in the message (526) through a screen that allows the first user to create a remittance request message. The first user can also include in the message (526) any type of file that can be sent or received between users within a messenger application, such as a text file, an image file, an audio file, or a photo file.

[0124] The third screen (530) shows an example of a completion message for a remittance request message provided via the first messenger application. As shown, the completion message for the remittance request message may include information about the first user, information about the second user, amount information, currency information, exchange rate information, remittance fee information, etc. Here, the amount information and currency information may include information about the amount and currency to be sent by the first user and information about the amount and currency to be sent to the second user. In addition, the completion message for the remittance request message may further include, but is not limited to, information about the remittance processing time, bank account information, bank balance information, etc.

[0125] According to some embodiments, the screens (510, 520, 530) shown in FIG. 5 may be associated with data received by the user terminal of the first user from the processor (334) of the information processing system (230) or may be generated by the user terminal based on such data.

[0126] FIG. 6 is a flowchart illustrating a method for modifying a remittance request based on bank balance information according to one embodiment of the present disclosure.

[0127] The method illustrated in Figure 6 may be executed by at least one processor (e.g., processor 334 of information processing system 230). Referring to Figure 6, the method may begin with the processor receiving a remittance request message including amount information and currency information to be remitted to a second user (S610). The processor may receive the remittance request message from a user terminal of a first user via a messenger application.

[0128] The processor may transmit a confirmation request to the bank server regarding whether the remittance request can be processed based on the received remittance request message (S620). For example, the processor may transmit a confirmation request regarding whether a sufficient amount is available for withdrawal from the first user's bank balance based on the amount information and currency information included in the received remittance request message.

[0129] The processor may then receive a response message to the confirmation request from the bank server and determine whether the response message indicates that the remittance request cannot be processed (S630). The response message may indicate that the remittance request cannot be processed (YES). For example, the bank server may determine that a sufficient amount is not available for withdrawal from the first user's bank balance and indicate through the response message that the remittance request cannot be processed. As an example, the bank server may determine whether a sufficient amount is available for withdrawal from the bank balance, taking into account that exchange rate information may fluctuate between the time the confirmation request is received and the time the remittance process is completed.

[0130] If the response message indicates that the remittance request cannot be processed, the processor may receive bank balance information about the first user from the bank server (S640). The processor may generate a revised remittance request based on the received bank balance information and transmit the revised remittance request via the first messenger application (S650). For example, the processor may receive information that the first user has 1 million yen remaining in their bank balance and transmit a revised remittance request for 1 million yen via the first messenger application. Here, the amount information of the revised remittance request may be the maximum amount remaining in the first user's bank balance. Alternatively, the amount information of the revised remittance request may be the maximum amount remaining in the first user's bank balance multiplied by a certain percentage. However, the present disclosure is not limited thereto.

[0131] In one embodiment, the processor may display a guidance message for the revised remittance request via the first messenger application along with the transmission of the revised remittance request, such as "Your bank balance is insufficient. Would you like to transfer the remaining 1 million yen?" The first user may transmit to the processor through the guidance message whether or not to approve the revised remittance request. Additionally or alternatively, the first user may change the revised remittance request via the guidance message and then transmit whether or not to approve the revised remittance request to the processor. For example, the first user may change the revised remittance request to transfer 500,000 yen instead of transferring 1 million yen in the revised remittance request, and then transmit whether or not to approve the revised remittance request to the processor.

[0132] The processor may then communicate the modified remittance request to the bank server in response to the modified remittance request being approved (S660).

[0133] The response message may indicate that the remittance request can be processed (NO), in which case the processor may transmit the remittance request to the bank server (S670).

[0134] The flowchart shown in Figure 6 and the above description are merely examples, and some embodiments may be implemented in different forms, such as by omitting one or more steps, changing the order of the steps, performing one or more steps in an overlapping manner, or repeating one or more steps multiple times.

[0135] FIG. 7 is a flowchart illustrating a method for replenishing a bank balance based on bank balance information according to an embodiment of the present disclosure.

[0136] The method illustrated in Figure 7 may be executed by at least one processor (e.g., processor 334 of information processing system 230). Referring to Figure 7, the method may begin with the processor receiving a remittance request message (S710) including amount information and currency information to be remitted to a second user. The processor may receive the remittance request message via a first messenger application.

[0137] The processor may transmit a confirmation request to the bank server regarding whether the remittance request can be processed based on the received remittance request message (S720). For example, the processor may transmit a confirmation request regarding whether a sufficient amount is available for withdrawal from the first user's bank balance based on the amount information and currency information included in the received remittance request message.

[0138] The processor may then receive a response message to the confirmation request from the bank server and determine whether the response message indicates that the remittance request cannot be processed (S730). The response message may indicate that the remittance request cannot be processed (YES). For example, the bank server may determine that a sufficient amount is not available for withdrawal from the first user's bank balance and indicate through the response message that the remittance request cannot be processed. As an example, the bank server may determine whether a sufficient amount is available for withdrawal from the bank balance, taking into account that exchange rate information may fluctuate between the time the confirmation request is received and the time the remittance process is completed.

[0139] If the response message indicates that the remittance request cannot be processed, the processor may receive bank balance information about the first user from the bank server (S740). The processor may transmit a bank balance replenishment request via the first messenger application (S750). For example, if the amount information to be sent by the first user is 3 million yen and the first user's bank balance is 1 million yen, the processor may transmit a replenishment request for the difference of 2 million yen to the first user. At this time, the processor may simultaneously transmit the bank balance replenishment request and display a message for the bank balance replenishment request, such as "Your bank balance is insufficient. Would you like to replenish the missing 2 million yen?" via the first messenger application. The first user may transmit to the processor whether or not to approve the bank balance replenishment request via the message for the bank balance replenishment request.

[0140] Thereafter, the processor may communicate the bank balance replenishment request to the bank server in response to the bank balance replenishment request being approved via the first messenger application (S760), and may further communicate a money transfer request to the bank server (S770).

[0141] The response message may indicate that the remittance request can be processed (NO), in which case the processor can transmit the remittance request to the bank server without going through the above process (S770).

[0142] 7 and the above description are merely examples, and may be implemented in different forms in some embodiments, such as by omitting one or more steps, by changing the order of the steps, by overlapping one or more steps, or by repeating one or more steps multiple times.

[0143] FIG. 8 is a flowchart illustrating a method for transmitting a remittance request based on a desired exchange rate according to one embodiment of the present disclosure.

[0144] The method illustrated in FIG. 8 may be executed by at least one processor (e.g., processor 334 of information processing system 230). Referring to FIG. 8, the method may begin when the processor receives a remittance request message from a user terminal via a first messenger application, the remittance request message including a conversion period and a desired exchange rate (S810). The processor may then determine whether the desired exchange rate will be met within the conversion period (S820). For example, if the first user sets the conversion period to one week and the desired exchange rate to 1,350 won (won / dollar) via the first messenger application, the processor may determine whether the won / dollar rate will fall below 1,350 won within one week from the time of receiving the remittance request message.

[0145] If the desired exchange rate will be met within the exchange period (YES), the processor may transmit a remittance request to the bank server when the desired exchange rate is met (S830). For example, if the desired exchange rate is met when the remittance request message is received, the processor may transmit a remittance request to the bank server in response to receiving the remittance request message. Alternatively, if the desired exchange rate is not met when the remittance request message is received but is met at a time after the remittance request message is received, the processor may transmit a remittance request to the bank server in response to determining that the desired exchange rate has been met.

[0146] If the desired exchange rate is not met within the exchange period (NO), the processor may provide a remittance failure message via the first messenger application (S840). For example, the processor may provide a remittance failure message such as "The desired exchange rate was not met. Remittance failed." via the first messenger application.

[0147] In one embodiment, the processor may provide the remittance failure message and then receive another remittance request message via the first messenger application, the remittance request message including the conversion period and the desired exchange rate. Alternatively, the processor may terminate processing of the remittance request after providing the remittance failure message.

[0148] 8 and the above description are merely examples, and may be implemented in different forms in some embodiments, such as by omitting one or more steps, by changing the order of the steps, by overlapping one or more steps, or by repeating one or more steps multiple times.

[0149] FIG. 9 is a diagram illustrating an example of a process of providing a preview of a remittance notification message in a messenger application according to an embodiment of the present disclosure.

[0150] The first screen 910 shows an example in which a preview of a remittance advice message is provided via a first messenger application before a processor (e.g., processor 334 of the information processing system 230) transmits the remittance request to a bank server. Here, the remittance advice message may be a message provided via a second messenger application executed on a second user terminal in response to the processor receiving a completion message for the remittance request from the bank server.

[0151] In one embodiment, as shown, the preview for the remittance advice message may include information about the first user, amount information, currency information, transmission information, or bank information, although the present disclosure is not limited in this respect.

[0152] In one embodiment, after providing a preview, the processor may receive a request to modify at least one of the amount information and the currency information via the first messenger application. The processor may also receive a request to modify the communication via the first messenger application. For example, after the first user confirms that the amount information and the currency information are 30,000 won via the preview provided in the first messenger application, the first user may send a request to the processor to modify the amount information and the currency information to 50,000 won. The first user may also send a request to the processor to modify a phrase such as "Happy Travel!" included in the communication to "Happy Birthday!" via the first messenger application.

[0153] In one embodiment, the processor may provide the preview and simultaneously provide an interface (912) for sending a remittance request message via the first messenger application. The first user may send the remittance request message to the processor by selecting the interface (912) for sending the remittance request message, such as by touch input. In response to receiving the remittance request message, the processor may transmit the remittance request to a bank server.

[0154] A second screen (920) illustrates an example in which a remittance notification message is provided via a second messenger application. As illustrated, the remittance notification message may include information about the first user, amount information, currency information, transmission information, or bank information. However, the present disclosure is not limited thereto. By receiving the remittance notification message via the second messenger application, the second user can be aware that the first user has sent money to them, as well as remittance information.

[0155] FIG. 10 is a flowchart illustrating a method for finding a currency exchange friend according to one embodiment of the present disclosure.

[0156] The method illustrated in FIG. 10 may be executed by at least one processor (e.g., processor 334 of information processing system 230). Referring to FIG. 10, the method may begin with the processor determining the second user's overseas stay status (S1010). Here, the processor may determine the second user's overseas stay status based on at least one of GPS information of the second user's user terminal or an input via a second messenger application executed on the second user's user terminal. However, the present disclosure is not limited thereto.

[0157] In response to determining that the second user is staying overseas, the processor may provide a guidance message regarding finding a friend to exchange money via the second messenger application (S1020). While providing the guidance message, the processor may also provide an interface via the second messenger application that connects to a screen that provides map information for finding a friend to exchange money. The second user may select the interface by touch input or the like to be provided with the map information for finding a friend to exchange money.

[0158] The processor may then identify at least one user based on predetermined redemption conditions (S1030), where the predetermined redemption conditions may include at least one of a desired distance, a desired currency, or a desired redemption time, although the present disclosure is not limited thereto.

[0159] In one embodiment, the processor can identify users who satisfy all of the predetermined exchange conditions. Additionally or alternatively, the processor can identify users who satisfy only some of the predetermined exchange conditions. Here, the processor can distinguish between users who satisfy all of the predetermined exchange conditions and users who satisfy only some of the predetermined exchange conditions. For example, if the predetermined exchange conditions consist of a desired distance, a desired currency, and a desired exchange time, the processor can identify users who satisfy all three of the exchange conditions and, in addition, can identify users who satisfy only two of the exchange conditions.

[0160] The processor may then provide map information on which profile information about the identified user is displayed on a map via the second messenger application (S1040).

[0161] In one embodiment, profile information of users who satisfy all of the predetermined exchange conditions and profile information of users who satisfy only some of the predetermined exchange conditions may be displayed on a map in a distinguishable manner. For example, the profile information of users who satisfy all of the predetermined exchange conditions may be displayed with a profile photo included, or a different highlighting may be applied to the frame of the profile information. Alternatively, the profile information of users who satisfy only some of the predetermined exchange conditions may be displayed without a profile photo, or a different highlighting may not be applied to the frame of the profile information. The manner in which profile information is displayed on a map in a distinguishable manner is not limited to this.

[0162] The processor may then receive user input via the second messenger application selecting a third user to proceed with the exchange based on the map information (S1050). In response to receiving the user input, the processor may provide a chat channel with the third user via the second messenger application (S1060).

[0163] With the map information provided via the second messenger application, the processor may receive a change request including change conditions for the predetermined exchange conditions via the second messenger application (S1070). In response to the change request, the processor may update the map information based on the change conditions (S1080). Furthermore, the processor may provide the updated map information via the second messenger application (S1090). With this configuration, the second user can search for users who meet the exchange conditions by changing the predetermined exchange conditions based on the map information provided via the second messenger application.

[0164] 10 and the above description are merely examples, and may be implemented in different forms in some embodiments, such as by omitting one or more steps, changing the order of the steps, performing one or more steps in an overlapping manner, or repeating one or more steps multiple times.

[0165] FIG. 11 is a diagram illustrating an example of a process of searching for an exchange partner in a messenger application according to an embodiment of the present disclosure.

[0166] In one embodiment, a processor (e.g., processor 334 of information processing system 230) can determine whether the second user is abroad based on at least one of GPS information of the second user's user terminal or an input via a second messenger application executed on the second user's user terminal. First screen 1110 illustrates an example in which, in response to the processor's determination that the second user is abroad, a guidance message 1112 about finding a currency exchange partner is provided via the second messenger application. As illustrated, first screen 1110 may provide interface 1114 that connects to a screen providing map information for finding a currency exchange partner while providing guidance message 1112 about finding a currency exchange partner. The second user may be provided with map information for finding a currency exchange partner by selecting interface 1114 that connects to a screen providing map information for finding a currency exchange partner, for example, by touch input.

[0167] The second screen (1120) illustrates an example in which map information is provided via a second messenger application, displaying profile information about users who meet certain exchange conditions on a map. As illustrated, map information is provided via the second messenger application, and the user's profile information may be displayed on the map. Here, the user's profile information displayed on the map may be profile information about users who meet certain exchange conditions. The certain exchange conditions may include, but are not limited to, at least one of a desired distance, a desired currency, or a desired exchange time.

[0168] In one embodiment, the profile information of users who meet the predetermined exchange conditions may be displayed on the map together with their profile photos. Alternatively, the profile information may be displayed on the map together with only their profile name information. The manner in which the profile information is displayed on the map is not limited to this.

[0169] In one embodiment, profile information of users who meet all of the predetermined exchange conditions may be displayed on a map in a differentiated manner from profile information of users who meet only some of the predetermined exchange conditions. As shown, profile information (1122) of users who meet all of the predetermined exchange conditions may have a different highlighting applied to the frame of the profile information. Alternatively, profile information (1124) of users who meet only some of the predetermined exchange conditions may not have a different highlighting applied to the frame. However, the manner in which profile information is displayed on a map in a differentiated manner is not limited to this.

[0170] In one embodiment, as shown, an interface (1126) through which a change request including a change condition to the predetermined currency exchange condition can be sent can be provided via the second messenger application. The second user can send a change request to the predetermined currency exchange condition via the interface (1126) through which a change request to the predetermined currency exchange condition can be sent. In response to the change request, the processor can update the map information based on the change condition and provide the updated map information via the second messenger application. For example, if the second user sends a change request to change the predetermined currency exchange condition from "within 500 meters" to "within 1000 meters," the profile information of users who meet the change condition can be updated and displayed on the map.

[0171] In one embodiment, as shown in the figure, an interface (1128) for guiding the range of the set desired distance information may be provided based on the desired distance information set via the second messenger application. The interface (1128) for guiding the range of the set desired distance information may guide the range of the desired distance set by the second user centered on the current location of the user terminal of the second user. By providing the interface (1128) for guiding the range of the set desired distance information, the second user can easily obtain information about users who meet the desired distance conditions.

[0172] In one embodiment, as shown, an interface (1129) through which a user can send a user input selecting a third user with whom to proceed with the exchange based on the map information can be provided via the second messenger application. The second user can send a user input selecting a third user with whom to proceed with the exchange via the interface (1129) through which a user input can be sent selecting a third user with whom to proceed with the exchange. In response to receiving the user input, the processor can provide a chat channel with the third user via the second messenger application.

[0173] The third screen (1130) illustrates an example in which a chat channel is provided with a third user through the second messenger application to facilitate currency exchange. As illustrated, the second user can proceed with currency exchange with the third user through the chat channel provided in the second messenger application. For example, the second user can discuss with the third user about the currency to be exchanged, the time of exchange, and the location of the exchange through the chat channel. In addition, the second user can send and receive money from the third user through the second messenger application.

[0174] The above-described method may be provided as a computer program stored on a computer-readable recording medium for execution by a computer. The medium may continuously store the computer-executable program or may temporarily store the program for execution or download. The medium may also be various recording or storage means in the form of a single piece of hardware or multiple pieces of hardware combined together. It is not limited to media directly connected to a computer system, but may also be distributed over a network. Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and media configured to store program instructions, such as ROM, RAM, and flash memory. Other examples of media include recording media and storage media managed by app stores that distribute applications, or by various other software supply or distribution sites and servers.

[0175] The methods, operations, or techniques of the present disclosure may be implemented by various means. For example, these techniques may be implemented by hardware, firmware, software, or a combination thereof. Those skilled in the art will understand that the various exemplary logical blocks, modules, circuits, and algorithm steps disclosed herein may be implemented by electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the various exemplary components, blocks, modules, circuits, and steps have been described above in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the particular application and design requirements imposed on the overall system. Those skilled in the art may implement the described functions in various ways depending on each particular application, but such implementations should not be interpreted as departing from the scope of the present disclosure.

[0176] In a hardware implementation, the processing units used to perform these techniques may be implemented within one or more ASICs, DSPs, digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), processors, controllers, microcontrollers, microprocessors, electronic devices, other electronic units designed to perform the functions described herein, computers, or combinations thereof.

[0177] Accordingly, the various illustrative logic blocks, modules, and circuits described in connection with this disclosure may be implemented or performed by a general-purpose processor, a DSP, an ASIC, an FPGA or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but alternatively, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a DSP and a microprocessor, multiple microprocessors, one or more microprocessors in combination with a DSP core, or any other configuration.

[0178] In a firmware and / or software implementation, these techniques may be implemented as instructions stored on a computer-readable medium, such as random access memory (RAM), read-only memory (ROM), non-volatile RAM (NVRAM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable PROM (EEPROM), flash memory, compact disc (CD), magnetic or optical data storage device, etc. These instructions may be executable by one or more processors and cause the processor(s) to perform certain aspects of the functions described in this disclosure.

[0179] If implemented in software, the techniques described above may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media, including any medium that facilitates transfer of a computer program from one place to another. Storage media may be any available medium accessible by a computer. By way of non-limiting example, such computer-readable media may include RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to transmit, receive, or store desired program code in the form of instructions or data structures and that can be accessed by a computer. Also, any connection is properly termed a computer-readable medium.

[0180] For example, if software is transmitted from a website, server, or other remote source using coaxial cable, fiber optic cable, twisted wire, digital subscriber line (DSL), or the like, or wireless technologies such as infrared, radio, and microwave, the coaxial cable, fiber optic cable, twisted wire, digital subscriber line, or wireless technologies such as infrared, radio, and microwave are included within the definition of media. As used herein, disk and disc include CDs, laser discs, optical discs, digital versatile discs (DVDs), floppy disks, and Blu-ray discs, where disks typically reproduce data magnetically, while discs reproduce data optically using lasers. Combinations of the above should also be included within the scope of computer-readable media.

[0181] A software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. An exemplary storage medium may be coupled to the processor such that the processor can read information from, and write information to, the storage medium. Alternatively, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC. The ASIC may reside in a user terminal. Alternatively, the processor and the storage medium may reside as discrete components in a user terminal.

[0182] Although the above-described embodiments have been described as utilizing aspects of the presently disclosed subject matter on one or more independent computer systems, the present disclosure is not limited thereto and may be implemented in connection with any computing environment, such as a network or distributed computing environment. Furthermore, aspects of the subject matter in the present disclosure may be implemented on multiple processing chips or devices, and storage may be affected similarly across multiple devices. Such devices may include PCs, network servers, and handheld devices.

[0183] Although the present disclosure has been described herein with reference to some examples, it will be understood by those skilled in the art that various modifications and variations may be made without departing from the scope of the present disclosure, and such modifications and variations are considered to fall within the scope of the claims appended hereto. [Explanation of symbols]

[0184] 210_1, 210_2, 210_3: User terminals 220: Network 230: Information Processing Systems 240: Network 250: Bank server

Claims

1. 1. A method for processing a request related to a money transfer received via a messenger application, comprising: (a) providing profile information including overseas stay information for a second user associated with the first user via a first messenger application executed on a user terminal of the first user; (b) receiving a remittance request message from the user terminal via the first messenger application, the remittance request message including amount information and currency information to be remitted to the second user; (c) in response to receiving the remittance request message, transmitting a remittance request to a bank server, the remittance request including information about the first user, information about the second user, the amount information, and the currency information; (d) in response to receiving a completion message for the remittance request from the bank server, providing a completion message for the remittance request message via the first messenger application; A method comprising:

2. before transmitting the remittance request; transmitting to said bank server a request for confirmation of the ability to process said remittance request; receiving a response message to the verification request from the bank server; The method of claim 1 further comprising:

3. if the response message indicates that the remittance request cannot be processed, receiving bank balance information about the first user from the bank server; generating a modified remittance request based on said bank balance information; transmitting the modified remittance request via the first messenger application; communicating the modified remittance request to the bank server in response to approval of the modified remittance request via the first messenger application; The method of claim 2 further comprising:

4. if the response message indicates that the remittance request cannot be processed, receiving bank balance information about the first user from the bank server; transmitting a bank balance replenishment request via the first messenger application; In response to the replenishment request being approved via the first messenger application, communicating the replenishment request to the bank server; The method of claim 2 further comprising:

5. The method of claim 1 , wherein the completion message for the remittance request message includes at least one of information about the first user, information about the second user, the amount information, the currency information, exchange rate information, or exchange fee information.

6. The remittance request message further includes an exchange period and a desired exchange rate; The step of transmitting the remittance request includes: determining whether the desired exchange rate will be met within the exchange period; transmitting the remittance request to the bank server in response to determining that the desired exchange rate has been met within the exchange period; The method of claim 1 , comprising:

7. providing a remittance failure message via the first messenger application if the desired exchange rate is not met within the exchange period; The method of claim 6 further comprising:

8. the remittance request message further includes transmission information; The method comprises: providing a remittance notification message including information about the first user, the amount information, the currency information, and the delivery information via a second messenger application executed on the user terminal of the second user in response to receiving a completion message for the remittance request from the bank server; The method of claim 1 further comprising:

9. providing a preview of the remittance advice message via the first messenger application prior to transmitting the remittance request; The method of claim 8 further comprising:

10. receiving, after the step of providing the preview, a request to modify at least one of the amount information or the currency information via the first messenger application; 10. The method of claim 9, further comprising:

11. Determining the second user's overseas stay status based on at least one of GPS information of the second user's user terminal or an input via a second messenger application executed on the second user's user terminal; In response to determining that the second user is abroad, transmitting a guidance message regarding modification of the profile information to the second user via the second messenger application; The method of claim 1 further comprising:

12. receiving overseas stay information and disclosure permission range through a second messenger application executed on the user terminal of the second user; modifying the profile information for the second user based on the overseas stay information; providing the profile information for the second user to one or more user accounts corresponding to the disclosure permissions; further comprising The method of claim 1 , wherein the overseas stay information includes at least one of country of stay, length of stay, or preferred currency information.

13. Determining the second user's overseas stay status based on at least one of GPS information of the second user's user terminal or an input via a second messenger application executed on the second user's user terminal; In response to determining that the second user is staying overseas, providing a guidance message regarding finding a friend to exchange money via the second messenger application; The method of claim 1 further comprising:

14. identifying at least one user based on predetermined exchange conditions including at least one of a desired distance, a desired currency, or a desired exchange time; providing, via the second messenger application, map information on which profile information for the identified user is displayed on a map; 14. The method of claim 13, further comprising:

15. receiving a change request including a change condition for the predetermined exchange condition via the second messenger application; updating the map information based on the change condition in response to receiving the change request; providing the updated map information via the second messenger application; 15. The method of claim 14, further comprising:

16. receiving a user input via the second messenger application selecting a third user to proceed with the exchange based on the map information; providing an interaction channel with the third user via the second messenger application in response to receiving the user input; 15. The method of claim 14, further comprising:

17. Determining the second user's overseas stay status and country of stay based on at least one of GPS information of the user terminal of the second user or an input via a second messenger application executed on the user terminal of the second user; In response to determining that the second user is abroad, transmitting a participation request message to an interaction channel corresponding to the country of stay via the second messenger application; providing the interaction channel corresponding to the visit country in response to the join request message being accepted via the second messenger application; The method of claim 1 further comprising:

18. A computer readable computer program for performing the method of any one of claims 1 to 17 on a computer.

19. a communication module; Memory and at least one processor coupled to the memory and configured to execute at least one computer-readable program contained in the memory; Including, The at least one program providing profile information including overseas stay information for a second user related to the first user via a first messenger application executed on the user terminal of the first user; receiving a remittance request message including amount information and currency information to be remitted from the user terminal to the second user via the first messenger application; In response to receiving the remittance request message, transmit a remittance request to a bank server, the remittance request including information about the first user, information about the second user, the amount information, and the currency information; An apparatus comprising: instructions for providing a completion message for the remittance request message via the first messenger application in response to receiving a completion message for the remittance request from the bank server.

20. the remittance request message further includes transmission information; The at least one program 20. The apparatus of claim 19, further comprising instructions for, in response to receiving a completion message for the remittance request from the bank server, providing a remittance notification message via a second messenger application executed on a user terminal of the second user, the remittance notification message including information about the first user, the amount information, the currency information, and the delivery information.

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