Method for acquiring exchange rate information of each of a plurality of types of financial institutions and displaying rankings of each of the plurality of types of financial institutions and computing device using the same

Abstract

A method is provided for obtaining exchange rate information of multiple types of financial institutions and displaying rankings of the multiple types of financial institutions. [Solution] (a) the computing device (i) crawls web pages of financial institutions belonging to a first subset to obtain first exchange rate information, and (ii) supports a process of inputting exchange rate information from financial institutions belonging to a second subset to obtain second exchange rate information, and (b) when a query request for exchange rate information is received from a user terminal, supports displaying specific financial institutions and corresponding specific exchange rate information selected according to predetermined criteria from the first subset and the second subset by referring to a first correspondence relationship between financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between financial institutions belonging to the second subset and the second exchange rate information.

Description

[Technical field]

[0001] The present invention relates to a method for obtaining exchange rate information of multiple types of financial institutions and displaying a ranking of each of the multiple types of financial institutions, and a computing device using the same. [Background technology]

[0002] Ordinary people use banks or private exchange offices to purchase foreign currency, but most exchange offices offer customers a much more favorable exchange rate than banks.

[0003] Meanwhile, there are differences in exchange rates among exchange offices. However, unlike banks, exchange offices rarely announce their exchange rates over the Internet, and because exchange rates change from time to time, it is impossible to compare the exchange rates of exchange offices scattered across different regions at the same time.

[0004] As a result, there is a need to help customers who wish to exchange money to exchange money based on conditions that are favorable to them (exchange rate amount, distance, etc.), while at the same time promoting exchange rate competition between banks and private exchange offices, and at the same time, a need has arisen for a way for financial institutions with competitive exchange rates to effectively promote themselves.

[0005] The present invention proposes a method for obtaining exchange rate information of each of a plurality of types of financial institutions in a rational manner and displaying rankings of each of the plurality of types of financial institutions in a customized manner for the convenience of users. Summary of the Invention [Problem to be solved by the invention]

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

[0007] Another object of the present invention is to crawl the web pages of each financial institution belonging to a first subset among all financial institutions to obtain first exchange rate information, support input of exchange rate information from each financial institution belonging to a second subset among all financial institutions to obtain second exchange rate information, and when a request for inquiry regarding exchange rate information is received, support displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each financial institution belonging to the first subset and the first exchange rate information and a second correspondence relationship between each financial institution belonging to the second subset and the second exchange rate information.

[0008] In addition, the present invention also provides a method for updating a specific relationship that exceeds a preset critical time by referring to a first relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and a second relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information. In this case, if it is determined that a specific financial institution among the specific financial institutions that corresponds to the specific relationship is a first type partner, the method further performs at least one of a process of acquiring partner crawling data and a process of supporting to acquire partner direct input data to update the specific relationship. In this case, if it is determined that another specific financial institution among the specific financial institutions that corresponds to the specific relationship is a second type partner, the method further performs a process of supporting to acquire partner direct input data to update the specific relationship. In this case, if it is determined that another specific financial institution among the specific financial institutions that corresponds to the specific relationship is a first non-partner financial institution for which subscription application information has not been acquired among the financial institutions belonging to the first subset, the method further performs a process of supporting to acquire partner direct input data to update the specific relationship. In this case, if it is determined that another specific financial institution among the specific financial institutions that corresponds to the specific relationship is a first non-partner financial institution for which subscription application information has not been acquired among the financial institutions belonging to the first subset, the method further performs a process of acquiring first non-partner crawling data to update the specific relationship. [Means for solving the problem]

[0009] According to one embodiment of the present invention, in a method for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, the method includes: (a) a computing device supporting at least one of the processes of (i) crawling web pages of each of financial institutions belonging to a first subset among all financial institutions to acquire first exchange rate information, and (ii) supporting input of exchange rate information from each of financial institutions belonging to a second subset among all financial institutions to acquire second exchange rate information; and (b) when a request for an inquiry regarding exchange rate information is acquired from a user terminal, the computing device supporting displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information.

[0010] In one example, prior to step (a), the method further includes: (a00) if membership application information is acquired from one of the partner candidate financial institutions among the entire financial institutions, the computing device determines the partner candidate financial institution as a partner financial institution and checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (a01) if it is determined that the partner crawling data exists, the computing device determines the partner financial institution as a first type partner, and if it is determined that the partner crawling data does not exist, determines the partner financial institution as a second type partner; and (a02) if the partner financial institution is determined to be the first type partner, the computing device gives the partner financial institution a choice between the partner crawling data and partner direct input data, and if the partner financial institution is determined to be the second type partner, determines the partner direct input data as the partner exchange rate information.

[0011] In one example, prior to step (a), the computing device may further include a step of: (a03) determining, if it is determined that there is a first non-partner financial institution among the financial institutions belonging to the first subset from which the membership application information has not been obtained, determining the first non-partner crawling data corresponding to the first non-partner financial institution as first non-partner exchange rate information;

[0012] In one example, if it is determined in step (b) that there are multiple financial institutions among the specific financial institutions that have the same priority score based on the predetermined criteria as the same ranking organization, the computing device supports displaying information about financial institutions that correspond to the information about the first type partner or the information about the second type partner in the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the information about the second type partner in the same ranking organization by referring to information about the first type partner and information about the second type partner.

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

[0014] In one example, in step (a), if it is detected that subscription application information has been acquired from one of the partner candidate financial institutions among all the financial institutions, the partner candidate financial institution is determined to be a partner financial institution, and whether partner crawling data corresponding to partner exchange rate information for the partner financial institution is present is checked, and if it is determined that the partner crawling data is present, the partner financial institution is determined to be a first type partner, and if it is determined that the partner crawling data is not present, the partner financial institution is determined to be a second type partner. In this state, when it is detected that a specific correspondence relationship that exceeds a preset critical time exists by referring to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, (i) if it is determined that a certain financial institution among the certain financial institutions corresponding to the certain correspondence is the first type partner, at least one of the process of obtaining the partner crawling data and the process of supporting to obtain the partner direct input data is further performed to update the certain correspondence; (ii) if it is determined that another certain financial institution among the certain financial institutions corresponding to the certain correspondence is the second type partner, the process of supporting to obtain the partner direct input data is performed to update the certain correspondence; and (iii) if it is determined that another certain financial institution among the certain financial institutions corresponding to the certain correspondence is a first non-partner financial institution among the financial institutions belonging to the first subset for which the subscription application information has not been obtained, first non-partner crawling data is obtained to update the certain correspondence.

[0015] In one example, in step (a), the method further includes: (a06) if membership application information is obtained from any one of the partner candidate financial institutions among all the financial institutions, the computing device determines the partner candidate financial institution as a partner financial institution; and (a07) if it is determined that crawling has been attempted on 1_1 exchange rate information to 1_n exchange rate information as country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, but 1_k exchange rate information cannot be obtained as exchange rate information for at least one country, the computing device supports input of the 1_k exchange rate information from the specific partner financial institution to obtain a full set of the first exchange rate information.

[0016] In one example, in step (b), when supporting the display of the specific financial institution and the specific exchange rate information, the computing device selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal, and supports the display of the specific financial institution and the specific exchange rate information.

[0017] In one example, in step (a), the method further includes: (a1) when accessing the web page and performing the crawling, the computing device determines whether the first exchange rate information managed by the web page is in text form; (a2) if it is determined that the first exchange rate information is not in text form, the computing device converts the first exchange rate information into the text form using OCR (Optical Character Recognition); and (a3) ​​performing crawling on the converted first exchange rate information.

[0018] In one example, in supporting the display of the specific financial institution and the specific exchange rate information in step (b), when first intention information of purchasing foreign currency is input from the user terminal, the computing device supports displaying the specific financial institution and the specific exchange rate information in ascending order by referring to the first intention information, and when second intention information of selling foreign currency is input from the user terminal, the computing device supports displaying the specific financial institution and the specific exchange rate information in descending order by referring to the second intention information.

[0019] In one example, (c) when any one of the specific financial institution and the specific exchange rate information is selected by input from the user terminal, the computing device further supports displaying detailed information of the specific financial institution, wherein the detailed information of the specific financial institution includes at least a portion of address information corresponding to the specific financial institution, schematic map information, distance information from selected location information of the user terminal, distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined.

[0020] According to another embodiment of the present invention, a computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions includes at least one memory for storing instructions; and at least one processor configured to execute the instructions, wherein the processor performs at least one of (i) a process of crawling web pages of each of financial institutions belonging to a first subset among all financial institutions to acquire first exchange rate information, and (ii) a process of supporting input of exchange rate information from each of financial institutions belonging to a second subset among all financial institutions to acquire second exchange rate information, and (II) a process of supporting, when a request for an inquiry regarding exchange rate information is received from a user terminal, to display at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information.

[0021] In one example, prior to process (I), the processor further performs a process of (I00) determining the partner candidate financial institution as a partner financial institution when membership application information is acquired from one of the partner candidate financial institutions among the total financial institutions, and checking whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (I01) determining the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determining the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist; and (I02) granting the partner financial institution a choice between the partner crawling data and partner direct input data if the partner financial institution is determined to be the first type partner, and determining the partner direct input data as the partner exchange rate information if the partner financial institution is determined to be the second type partner.

[0022] In one example, prior to the process (I), the processor further performs a process (I03) of determining, if it is determined that there is a first non-partner financial institution among the financial institutions belonging to the first subset from which the subscription application information has not been obtained, that the first non-partner crawling data corresponding to the first non-partner financial institution is the first non-partner exchange rate information.

[0023] In one example, in the (II) process, if the processor determines that there are multiple financial institutions among the specific financial institutions that have the same priority score based on the specified criteria as the same ranking organization, the processor supports, by referring to the information about the first type partner and the information about the second type partner, displaying information about financial institutions that correspond to the information about the first type partner or the information about the second type partner among the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the information about the second type partner among the same ranking organization.

[0024] In one example, prior to the process (I), the processor further performs a process of (I04) determining a partner candidate financial institution as a partner financial institution when membership application information is obtained from any one of the total financial institutions; and (I05) acquiring business hours for each day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions. In the process (II), the processor determines whether an inquiry request time corresponding to the inquiry request from the user terminal is included in each of the business hours for each day of the week corresponding to each of the partner financial institutions, and determines partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset, and determines partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines the specific financial institutions as at least a part of the first partner subset and the second partner subset.

[0025] In one example, in the process (I), when the processor detects that the subscription application information is acquired from one of the partner candidate financial institutions among the entire financial institutions, the processor determines the partner candidate financial institution as a partner financial institution, checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists, and determines the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determines the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist. In this state, when it is detected that a specific correspondence that exceeds a preset critical time exists by referring to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, (i (ii) if it is determined that some of the specific financial institutions corresponding to the specific relationship among the specific financial institutions are the first type partners, at least one of the process of obtaining the partner crawling data and the process of supporting to obtain the partner direct input data is further performed to update the specific relationship; (iii) if it is determined that another specific financial institution corresponding to the specific relationship among the specific financial institutions is a first non-partner financial institution for which the subscription application information has not been obtained among the financial institutions belonging to the first subset, first non-partner crawling data is obtained to update the specific relationship.

[0026] In one example, in the process (I), the processor further performs (I06) a process of determining a partner candidate financial institution as a partner financial institution when membership application information is obtained from any one of the partner candidate financial institutions among all the financial institutions; and (I07) a process of supporting input of the 1_k exchange rate information from the specific partner financial institution to obtain a full set of the first exchange rate information when it is determined that crawling has been attempted on the 1_1 exchange rate information through the 1_n exchange rate information as country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, but 1_k exchange rate information cannot be obtained as exchange rate information for at least one country.

[0027] In one example, in the (II) process, when the processor supports displaying the specific financial institution and the specific exchange rate information, the processor selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal, and supports displaying the specific financial institution and the specific exchange rate information.

[0028] In one example, in the process (I), the processor further performs (I1) a process of checking whether the first exchange rate information managed by the web page is in text form when accessing the web page and performing the crawling; (I2) a process of converting the first exchange rate information into the text form using OCR (Optical Character Recognition) if it is determined that the first exchange rate information is not in text form; and (I3) a process of performing crawling on the converted first exchange rate information.

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

[0030] In one example, (III) when any one of the specific financial institution and the specific exchange rate information is selected by input from the user terminal, the processor further includes a process for supporting displaying detailed information of the specific financial institution, and the detailed information of the specific financial institution includes at least a portion of address information corresponding to the specific financial institution, schematic map information, distance information from selected location information of the user terminal, distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined. Effect of the Invention

[0031] The present invention has the following advantages.

[0032] The present invention has an effect of performing crawling on the web pages of each financial institution belonging to a first subset among all financial institutions to obtain first exchange rate information, supporting input of exchange rate information from each financial institution belonging to a second subset among all financial institutions to obtain second exchange rate information, and when a request for inquiry regarding exchange rate information is received, supporting displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each financial institution belonging to the first subset and the first exchange rate information and a second correspondence relationship between each financial institution belonging to the second subset and the second exchange rate information.

[0033] In addition, the present invention has an effect that, when it is detected that a specific relationship that exceeds a preset critical time exists by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, (i) if it is determined that a certain financial institution corresponding to the specific relationship among the specific financial institutions is a first type partner, at least one of a process of acquiring partner crawling data and a process of supporting to acquire partner direct input data is further performed to update the specific relationship, (ii) if it is determined that another certain financial institution corresponding to the specific relationship among the specific financial institutions is a second type partner, a process of supporting to acquire partner direct input data is performed to update the specific relationship, and (iii) if it is determined that another certain financial institution corresponding to the specific relationship among the specific financial institutions is a first non-partner financial institution for which subscription application information has not been acquired among the financial institutions belonging to the first subset, first non-partner crawling data is acquired to update the specific relationship. [Brief description of the drawings]

[0034] [Figure 1] 1 is a diagram showing a simplified configuration of a computing device for obtaining exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions according to one embodiment of the invention. [Diagram 2] 1 is a diagram illustrating a simplified procedure for a method of acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions according to an embodiment of the present invention. [Diagram 3] 11 is a diagram illustrating an example of a screen of a user terminal that acquires exchange rate information of each of a plurality of types of financial institutions and displays rankings of each of the plurality of types of financial institutions according to an embodiment of the present invention. [Figure 4] 11 is a diagram illustrating an example of a screen of a partner financial institution terminal that allows input of business hours for each day of the week according to an embodiment of the present invention. [Diagram 5] 11 is a diagram illustrating an example of a screen of a partner financial institution terminal in which exchange rate information can be directly input when crawling is attempted but exchange rate information cannot be obtained according to an embodiment of the present invention. [Figure 6] 4 is a diagram illustrating an example of a screen of a user terminal that is displayed when a user attempts to purchase foreign currency according to an embodiment of the present invention. [Figure 7] 4 is a diagram illustrating an example of a screen of a user terminal on which detailed information of a specific financial institution is displayed according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0035] The following detailed description of the present invention refers to the accompanying drawings which show, by way of example, specific embodiments in which the present invention may be practiced in order to clarify the objects, technical solutions, and advantages of the present invention. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention.

[0036] Moreover, throughout the detailed description of the present invention and the claims, the word "comprises" and variations thereof are not intended to exclude other technical features, additions, components or steps. Other objects, advantages and characteristics of the present invention will become apparent to those of ordinary skill in the art in part from the description and in part from the practice of the present invention. The following examples and drawings are provided as illustrations and are not intended to limit the present invention.

[0037] Moreover, the present invention covers all possible combinations of the embodiments shown herein. It should be understood that the various embodiments of the present invention are different from one another but are not necessarily mutually exclusive. For example, a particular shape, structure, and characteristic described herein may be embodied in another embodiment without departing from the spirit and scope of the present invention. It should also be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Therefore, the following detailed description is not intended to be taken in a limiting sense, and the scope of the present invention is limited only by the appended claims with the full scope of equivalents that such claims are entitled to, if properly interpreted. In the drawings, like reference numerals refer to the same or similar functions across the various aspects.

[0038] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those skilled in the art to easily carry out the present invention.

[0039] FIG. 1 is a diagram illustrating a simplified configuration of a computing device 100 for obtaining exchange rate information for each of a plurality of types of financial institutions and displaying a ranking for each of the plurality of types of financial institutions according to one embodiment of the invention.

[0040] 1, the computing device 100 may include a memory 110 for storing instructions for acquiring exchange rate information of each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, and a processor 120 for performing calculations to display a ranking of each of the plurality of types of financial institutions in response to the instructions stored in the memory. In this case, the computing device 100 may include a PC (Personal Computer), a mobile computer, etc.

[0041] In particular, computing device 100 may typically utilize a combination of computing devices (e.g., devices that may include a computer processor, memory, storage, input and output devices, and other conventional computing device components; electronic communication devices such as routers, switches, and the like; and electronic information storage systems such as network attached storage (NAS) and storage area networks (SAN)) and computer software (i.e., instructions that cause a computing device to function in a particular manner) to achieve the desired system performance.

[0042] The processor of the computing device 100 may include hardware components such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, a data bus, etc. The computing device 100 may further include software components such as an operating system and an application for performing a specific purpose.

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

[0044] The computing device 100 may be linked to a database (not shown) containing information used to display the rankings of each of the multiple types of financial institutions. Here, the database (not shown) may include at least one type of storage medium among flash memory type, hard disk type, multimedia card micro type, card type memory (e.g., SD or XD memory), Random Access Memory (RAM), Static Random Access Memory (SRAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Programmable Read Only Memory (PROM), magnetic memory, magnetic disk, and optical disk, but is not limited thereto, and may include all media capable of storing data. The database (not shown) may be installed separately from the computing device 100, or may be installed inside the computing device 100 to transmit data or record received data, or may be embodied as two or more separate databases, which may vary depending on the implementation conditions of the invention.

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

[0046] This is explained in more detail below.

[0047] A method for displaying rankings of each of a plurality of types of financial institutions on a user terminal 300 using the computing device 100 according to an embodiment of the present invention will now be described with reference to FIG.

[0048] FIG. 2 is a diagram illustrating a simplified procedure for a method of acquiring exchange rate information of each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions according to an embodiment of the present invention.

[0049] First, the computing device 100 may be supported to perform at least one of the following processes: (i) crawling the web pages of each of the financial institutions belonging to a first subset among all the financial institutions to obtain each of the first exchange rate information, and (ii) supporting input of exchange rate information from each of the financial institutions belonging to a second subset among all the financial institutions to obtain each of the second exchange rate information (S210).

[0050] Here, financial institutions belonging to the first subset may include financial institutions that announce their own exchange rates, such as banks and credit unions, and financial institutions belonging to the second subset may include financial institutions that do not announce their own exchange rates, such as currency exchange offices and gift certificate shops.

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

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

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

[0054] Here, the predetermined criteria may include at least some of currency exchange rate information, currency buying and selling price information, area information, distance information, and partner information, but are not limited thereto.

[0055] For reference, in step S220, when supporting the display of a specific financial institution and specific exchange rate information, the computing device 100 may select a specific financial institution from among financial institutions belonging to a first subset and financial institutions belonging to a second subset included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal.

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

[0057] Meanwhile, before step S210, the following steps may be performed in advance.

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

[0059] Here, if it is determined that the partner crawling data exists, the computing device 100 may determine the partner financial institution as a first type partner, and if it is determined that the partner crawling data does not exist, the computing device 100 may determine the partner financial institution as a second type partner.

[0060] Next, if the partner financial institution is determined to be a first type partner, the computing device 100 grants the partner financial institution the right to choose between the partner crawling data and the partner direct input data, and if the partner financial institution is determined to be a second type partner, the computing device 100 can determine the partner direct input data as the partner exchange rate information.

[0061] That is, depending on whether the partner financial institution that has completed the subscription application is a first type partner or a second type partner, it is determined whether to select crawling data and / or directly input data to determine the exchange rate information, or to determine the exchange rate information only from directly input data. For example, the first type partner may be an institution that has its own publicly announced exchange rate, such as a bank or credit union, and the second type partner may be an institution that does not have its own publicly announced exchange rate, such as a currency exchange office or a gift certificate shop, but is not limited thereto.

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

[0063] This involves determining at least some of the banks and credit unions that have not applied for membership among the first subset of financial institutions as first non-partner financial institutions, and determining the crawling data as exchange rate information. For reference, banks and credit unions publish their respective exchange rate information on web pages, so crawling can be performed by targeting web pages.

[0064] For reference, among the exchange offices and gift certificate shops that are financial institutions belonging to the second subset, exchange offices and gift certificate shops that have not applied for membership can be determined as second non-partner financial institutions. Exchange offices and gift certificate shops cannot perform crawling because they do not publish their respective exchange rate information on their web pages. In other words, second non-partner financial institutions cannot obtain crawling data or directly input data.

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

[0066] Here, if it is determined that there are a plurality of financial institutions with the same priority score according to a predetermined criterion among the specific financial institutions as the same ranking organization, the computing device 100 may support displaying information on financial institutions corresponding to the information on the first type partner or the information on the second type partner in the same ranking organization higher than information on financial institutions that do not correspond to either the information on the first type partner or the information on the second type partner in the same ranking organization by referring to information on the first type partner and information on the second type partner. Here, the first type partner and the second type partner may be partner financial institutions whose membership has been approved by the computing device 100 after the membership application information has been acquired.

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

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

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

[0070] In addition, when the rankings 361, 362, 363... of multiple financial institutions are displayed in a certain area 360, there may be two financial institutions, Interbank 361 and Foreign Currency Exchange Dollar Euro 362, which have the same exchange rate of 142.47. In this case, Interbank 361, which has joined and is maintaining a partner status, may be displayed higher than Foreign Currency Exchange Dollar Euro 362, whose membership application information has not been acquired.

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

[0072] This is explained using Figure 4 as follows.

[0073] FIG. 4 is a diagram illustrating an example of a screen of a financial institution terminal that allows input of business hours for each day of the week according to an embodiment of the present invention.

[0074] Before step S210, the computing device 100 may further include a step of acquiring business hours by day of the week for each partner financial institution. Thereafter, in step S220, the computing device 100 may determine whether the inquiry request time corresponding to the inquiry request from the user terminal 300 is included in each business hours by day of the week corresponding to each partner financial institution, determine the partner financial institutions whose inquiry request time is included in the business hours by day of the week as a first partner subset, and determine the partner financial institutions whose inquiry request time is not included in the business hours by day of the week as a second partner subset, and determine the specific financial institutions to be exposed on the screen from the first partner subset. Of course, without being limited thereto, specific financial institutions to be exposed on the screen at least partially from the first partner subset and the second partner subset may be determined. In this case, depending on the case, a first visual effect may be given to the specific financial institutions selected from the first partner subset, and a second visual effect may be given to the specific financial institutions selected from the second partner subset, so that they can be distinguished from each other. For example, the second visual effect may be a slightly dimmed color to indicate that the financial institutions cannot be currently selected. Of course, visual effects may not be applied to differentiate between the two. However, if the business hours of non-partner financial institutions can be secured by crawling, the algorithm can be applied to non-partner financial institutions.

[0075] This will be explained in more detail as follows.

[0076] 4, a partner financial institution can input business hours for each day of the week through its own financial institution terminal 200. Each day of the week can be set to a different time or the same time, and an ON / OFF button 430 can be used to select business days.

[0077] As shown in FIG. 4, business hours can be set from 09:00 to 18:00 from Monday to Friday, and set to OFF on Saturday, Sunday, and public holidays to indicate that the business is closed.

[0078] After business hours for each day of the week are set through the financial institution terminal 200 in this manner, the computing device 100 can determine partner financial institutions whose business hours fall within the time of an inquiry request from the user terminal 300 as a first partner subset, and support the display of specific financial institutions with high priority scores among the first partner subset on the screen of the user terminal 300.

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

[0080] Meanwhile, consider a case where the computing device 100 acquires a first correspondence relationship between each of the financial institutions belonging to a first subset (i.e., including banks and credit unions, etc.) and each of the first exchange rate information, and acquires a second correspondence relationship between each of the financial institutions belonging to a second subset (i.e., including currency exchange offices and voucher shops, etc.) and each of the second exchange rate information, and at least some of the first and second correspondence relationships exceed a preset critical time (i.e., the first exchange rate information or the second exchange rate information has not been updated without any fluctuations for a preset critical time).

[0081] First, when the joining application information is acquired from one of the partner candidate financial institutions among all the financial institutions, the joining is approved, and the partner candidate financial institution is determined as a partner financial institution, if there is a specific correspondence that does not change beyond a preset critical time, the computing device 100 can check whether partner crawling data corresponding to the partner exchange rate information for the partner financial institution exists. Here, if it is determined that the partner crawling data exists, the partner financial institution can be determined as a first type partner, and if it is determined that the partner crawling data does not exist, the partner financial institution can be determined as a second type partner. That is, if it is determined that some specific financial institutions corresponding to the specific correspondence among the specific financial institutions are the first type partners, the computing device 100 can further perform at least one of a process of acquiring partner crawling data and a process of supporting to acquire partner direct input data to update the specific correspondence. Also, if it is determined that some other specific financial institutions corresponding to the specific correspondence among the specific financial institutions are the second type partners, the computing device 100 can perform a process of supporting to acquire partner direct input data to update the specific correspondence. In addition, if it is determined that some other specific financial institutions, which correspond to a specific correspondence relationship, among the specific financial institutions, are first non-partner financial institutions among the financial institutions belonging to the first subset for which membership application information has not been obtained, the computing device 100 can obtain first non-partner crawling data and update the specific correspondence relationship.

[0082] In other words, unless a fluctuation in a particular financial institution and the corresponding exchange rate information is detected that exceeds a preset critical time, the computing device 100 must actively access the corresponding financial institution in advance to induce an update, and the computing device 100 can perform a process of obtaining crawling data and / or a process of obtaining direct input data by referring to the type of the particular financial institution to perform the update.

[0083] Meanwhile, Fig. 5 is a diagram showing an example of a screen of a partner financial institution terminal for supporting direct input of exchange rate information when crawling is attempted but exchange rate information cannot be obtained according to an embodiment of the present invention. Of course, in some cases, a UI for supporting direct input of exchange rate information may be provided even if crawling data is obtained.

[0084] In step S210, it is possible that an attempt is made to crawl each of the 1_1 exchange rate information through 1_n exchange rate information as country-specific exchange rate information included in the 1 exchange rate information for a specific partner financial institution among the partner financial institutions, but the 1_k exchange rate information cannot be obtained as exchange rate information for at least one country.

[0085] At this time, the computing device 100 can support input of the 1_kth exchange rate information from a specific partner financial institution to obtain a full set of the 1st exchange rate information (i.e., exchange rate information without gaps by country).

[0086] This will be explained in more detail as follows.

[0087] Among the partner financial institutions, there are banks and credit unions from which crawling data can be obtained, and exchange rate information by country can be obtained as crawling data, but in some cases, exchange rate information for some countries cannot be obtained.

[0088] That is, as shown in Fig. 5, data related to US Dollar 510, Euro 520, and British Pound 530 can be crawled to retrieve exchange rate information. However, since exchange rate information 540 related to China cannot be obtained by crawling, a UI for assisting in direct input can be displayed on the screen of the partner financial institution's terminal.

[0089] As shown in Figure 5, you can select a country, and then select exchange rate information for "selling foreign currency," the ON / OFF button for "selling foreign currency," exchange rate information for "buying foreign currency," the ON / OFF button for "buying foreign currency," and the date the exchange rate information was announced.

[0090] When the ON / OFF button for "Selling Foreign Currency" and the ON / OFF button for "Buying Foreign Currency" are selected as ON, if the financial institution in question is a specific financial institution with a high priority, the exchange rate information for that financial institution can be made public; when the OFF button is selected, the exchange rate information cannot be made public.

[0091] In addition, the date information on which the exchange rate information was announced can be retrieved by acquiring crawling data, and if there is no announced date information, it can be displayed as "-". In addition, when "Delete row" is selected, the corresponding row is deleted and the lower row is moved up, and when "Add" is selected, a new pop-up window where the information can be added can be displayed. Such various examples are not limited to these.

[0092] Meanwhile, FIG. 6 is a diagram illustrating an example of a screen of a user terminal that is displayed when a user purchases foreign currency according to an embodiment of the present invention.

[0093] In step S220, when supporting the display of a specific financial institution and specific exchange rate information, if first intention information for purchasing foreign currency is input from the user terminal 300, the computing device 100 can support the display of a specific financial institution and specific exchange rate information in ascending order with reference to the first intention information, and if second intention information for selling foreign currency is input from the user terminal 300, the computing device 100 can support the display of a specific financial institution and specific exchange rate information in descending order with reference to the second intention information. This is similar to the above-mentioned FIG. 3.

[0094] 6, the rankings of a number of financial institutions may be displayed in an area 660 on the screen of the user terminal 300. There is an area 610 in which a country corresponding to the foreign currency may be selected, for example, the United States. There is also an area 620 in which 'When buying foreign currency' or 'When selling foreign currency' may be selected, and there is an area 630 in which a region may be selected. In FIG. 6, 'When buying foreign currency' is selected, and 'Within a radius of 10 km' is selected.

[0095] There is also an area where conditions can be selected, and at least one of "Best Order 640" and "Distance Order 650" can be selected. For reference, if "Best Order 640" is selected, the ranking of multiple financial institutions is displayed in ascending order when "buying foreign currency," and the ranking of multiple financial institutions is displayed in descending order when "selling foreign currency." Also, if "Distance Order 650" is selected, the nearest banks and exchanges within the selected distance can be displayed, and in some cases, the top-ranked financial institutions corresponding to the best order according to exchange rate information can be selected first, and the selected top-ranked financial institutions can be sorted by distance and displayed on the screen.

[0096] Meanwhile, FIG. 7 is a diagram illustrating an example of a screen of a user terminal on which detailed information of a specific financial institution is displayed according to an embodiment of the present invention.

[0097] After steps S210 and S220, if a specific financial institution and specific exchange rate information are selected by a user input, the computing device 100 may support displaying detailed information of the specific financial institution.

[0098] Here, the detailed information of a specific financial institution may include at least some of the address information, schematic map information, distance information from the selected location information of the user terminal 300, distance information from the current location information of the user terminal 300, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined, but is not limited to these.

[0099] As shown in Fig. 7, when 'Interbank' is selected, the screen is changed or a pop-up window is opened to display information 770 about 'Shinjuku Station Branch' provided by 'Interbank'. In addition to the above-mentioned address information, rough map information, distance information, phone number information, stock information by currency, and date information on when specific exchange rate information was determined, navigation information can be further provided, and various additional services such as connection to counselors of specific financial institutions can also be provided, so the information is not limited thereto.

[0100] The above-described embodiments of the present invention may be embodied in the form of program instructions that can be executed by various computer components and stored in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions stored in the computer-readable recording medium may be specially designed and constructed for the present invention, or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instructions, such as ROMs, RAMs, flash memories, and the like. Examples of program instructions include not only machine language code, such as that produced by a compiler, but also high-level language code executed by a computer using an interpreter, and the like. The hardware devices may be configured to operate as one or more software modules to execute the processes of the present invention, and vice versa.

[0101] Although the present invention has been described above using specific details such as specific components and limited examples and drawings, this is provided merely to aid in a more general understanding of the present invention, and the present invention is not limited to the above examples. Various modifications and variations may be made from such descriptions by those having ordinary knowledge in the technical field to which the present invention pertains.

[0102] Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and all modifications equivalent to or equivalent to the scope of the claims, as well as the scope of the claims described below, are within the scope of the spirit of the present invention.

Claims

1. A method for acquiring exchange rate information of each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: (a) supporting a computing device to perform at least one of the following processes: (i) crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (b) when a request for inquiry regarding exchange rate information is obtained from the user terminal, the computing device supports displaying at least one specific financial institution selected according to a predetermined criterion from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information; Including, Prior to step (a), (a00) when subscription application information is acquired from any one of the partner candidate financial institutions among all the financial institutions, the computing device determines the partner candidate financial institution as a partner financial institution, and checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (a01) the computing device determines the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determines the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist; and (a02) when the partner financial institution is determined to be the first type partner, the computing device gives the partner financial institution a choice between the partner crawling data and the partner direct input data as data to be determined as the partner exchange rate information, and when the partner financial institution is determined to be the second type partner, the computing device determines the partner direct input data as the partner exchange rate information; The method of claim 1, further comprising:

2. Prior to step (a), (a03) if it is determined that there is a first non-partner financial institution from which the subscription application information has not been acquired among the financial institutions belonging to the first subset, the computing device determines first non-partner crawling data corresponding to the first non-partner financial institution as first non-partner exchange rate information; The method of claim 1 further comprising:

3. In the step (b), The method of claim 1, wherein if it is determined that there are multiple financial institutions with the same priority score according to the predetermined criteria among the specific financial institutions as the same ranking organization, the computing device supports displaying information about financial institutions that correspond to the information about the first type partner or the information about the second type partner in the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the information about the second type partner in the same ranking organization by referring to information about the first type partner and information about the second type partner.

4. A method for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: (a) supporting a computing device to perform at least one of the following processes: (i) crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (b) when a request for inquiry regarding exchange rate information is obtained from the user terminal, the computing device supports displaying at least one specific financial institution selected according to a predetermined criterion from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information; Including, Prior to step (a), (a04) when subscription application information is acquired from any one of the financial institutions, the computing device determines the financial institution as a partner financial institution; and (a05) the computing device further includes acquiring business hours for each day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions; In the step (b), the computing device determines whether an inquiry request time corresponding to the inquiry request from the user terminal is included in each of the business hours for each day of the week corresponding to each of the partner financial institutions, determines partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset, and determines partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines the specific financial institution from the first partner subset, or displays the specific financial institution selected from the first partner subset and the specific financial institution selected from the second partner subset by applying different visual effects.

5. A method for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: (a) supporting a computing device to perform at least one of the following processes: (i) crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (b) when a request for inquiry regarding exchange rate information is obtained from the user terminal, the computing device supports displaying at least one specific financial institution selected according to a predetermined criterion from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information; Including, In the step (a), If it is detected that subscription application information has been acquired from any one of the partner candidate financial institutions among all the financial institutions, the partner candidate financial institution is determined to be a partner financial institution, and whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists is checked, and if it is determined that the partner crawling data exists, the partner financial institution is determined to be a first type partner, and if it is determined that the partner crawling data does not exist, the partner financial institution is determined to be a second type partner. In this state, the computing device refers to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, and if it is detected that a specific correspondence relationship that does not change beyond a preset critical time exists, (i) if it is determined that a certain financial institution among the certain financial institutions corresponding to the certain correspondence is the first type partner, further performing at least one of a process of acquiring partner crawling data and a process of supporting acquisition of partner direct input data to update the certain correspondence; (ii) if it is determined that another specific financial institution corresponding to the specific correspondence among the specific financial institutions is the second type partner, performing a process of supporting to obtain the partner direct input data to update the specific correspondence; (iii) if it is determined that among the specific financial institutions, another specific financial institution corresponding to the specific correspondence is a first non-partner financial institution among the financial institutions belonging to the first subset for which the membership application information has not been obtained, the method comprises obtaining first non-partner crawling data and updating the specific correspondence.

6. A method for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: (a) supporting a computing device to perform at least one of the following processes: (i) crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (b) when a request for inquiry regarding exchange rate information is obtained from the user terminal, the computing device supports displaying at least one specific financial institution selected according to a predetermined criterion from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset, and at least one specific exchange rate information corresponding to the specific financial institution, by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information, and a second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information; Including, In the step (a), (a06) when subscription application information is acquired from any one of the financial institutions, the computing device determines the financial institution as a partner financial institution; and (a07) attempting to crawl the 1_1 exchange rate information through the 1_n exchange rate information as the country-specific exchange rate information included in the first exchange rate information for a specific partner financial institution among the partner financial institutions, if it is determined that the 1_k exchange rate information cannot be obtained as the exchange rate information for at least one country, the computing device supports input of the 1_k exchange rate information from the specific partner financial institution to obtain a full set of the first exchange rate information; The method of claim 1, further comprising:

7. In the step (b), The method of claim 1, wherein, in supporting the display of the specific financial institution and the specific exchange rate information, the computing device selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal, and supports displaying the specific financial institution and the specific exchange rate information.

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

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

10. (c) when one of the specific financial institution and the specific exchange rate information is selected by input from the user terminal, the computing device further includes supporting to display detailed information of the specific financial institution; The method according to claim 1, wherein the detailed information of the specific financial institution includes at least some of the following: address information corresponding to the specific financial institution, schematic map information, distance information from selected location information of the user terminal, distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined.

11. 1. A computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, the computing device comprising: At least one memory storing instructions; and at least one processor configured to execute said instructions; Including, The processor performs at least one of (i) a process of crawling web pages of financial institutions belonging to a first subset among all financial institutions to obtain first exchange rate information, and (ii) a process of supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to obtain second exchange rate information; and (II) a process of supporting, when a request for inquiry about exchange rate information is received from a user terminal, displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information, Prior to the process (I), the processor (I00) a process of determining a partner candidate financial institution as a partner financial institution when subscription application information is acquired from one of the all financial institutions, and checking whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists; (I01) A process for determining the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determining the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist; and (I02) a process for granting the partner financial institution a choice between the partner crawling data and the partner direct input data as data to be determined as the partner exchange rate information if the partner financial institution is determined as the first type partner, and for determining the partner direct input data as the partner exchange rate information if the partner financial institution is determined as the second type partner; 23. A computing device, comprising:

12. Prior to the process (I), The computing device of claim 11, wherein the processor further performs a process of (I03) determining, if it is determined that there is a first non-partner financial institution among the financial institutions belonging to the first subset from which the subscription application information has not been obtained, determining the first non-partner crawling data corresponding to the first non-partner financial institution as first non-partner exchange rate information.

13. In the process (II), 12. The computing device of claim 11, wherein the processor supports, when it is determined that there are a plurality of financial institutions having the same priority score according to the predetermined criteria among the specific financial institutions as the same ranking organization, displaying information about the financial institutions corresponding to the information about the first type partner or the information about the second type partner in the same ranking organization higher than information about financial institutions that do not correspond to either the information about the first type partner or the information about the second type partner in the same ranking organization by referring to information about the first type partner and information about the second type partner.

14. A computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: At least one memory storing instructions; and at least one processor configured to execute said instructions; Including, The processor supports performing at least one of (i) a process of crawling web pages of financial institutions belonging to a first subset among all financial institutions to acquire first exchange rate information, and (ii) a process of supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to acquire second exchange rate information; and (II) a process of supporting, when a request for inquiry regarding exchange rate information is received from a user terminal, displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information; To carry out the above. Prior to the process (I), The processor further performs (I04) a process of determining a partner candidate financial institution as a partner financial institution when subscription application information is acquired from any one of the partner candidate financial institutions among all the financial institutions; and (I05) a process of acquiring business hours by day of the week from each of the partner financial institution terminals corresponding to each of the partner financial institutions, In the process (II), The processor determines whether an inquiry request time corresponding to the inquiry request from the user terminal is included in each of the business hours for each day of the week corresponding to each of the partner financial institutions, and determines partner financial institutions whose inquiry request time is included in the business hours for each day of the week as a first partner subset and determines partner financial institutions whose inquiry request time is not included in the business hours for each day of the week as a second partner subset, and determines the specific financial institution from the first partner subset, or displays the specific financial institution selected from the first partner subset and the specific financial institution selected from the second partner subset by applying different visual effects.

15. A computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: At least one memory storing instructions; and at least one processor configured to execute said instructions; Including, The processor supports performing at least one of (i) a process of crawling web pages of financial institutions belonging to a first subset among all financial institutions to acquire first exchange rate information, and (ii) a process of supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to acquire second exchange rate information; and (II) a process of supporting, when a request for inquiry regarding exchange rate information is received from a user terminal, displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information; To carry out the above. In the process (I), When the processor detects that subscription application information has been acquired from any one of the partner candidate financial institutions among all the financial institutions, it determines the partner candidate financial institution as a partner financial institution, checks whether partner crawling data corresponding to partner exchange rate information for the partner financial institution exists, and determines the partner financial institution as a first type partner if it is determined that the partner crawling data exists, and determines the partner financial institution as a second type partner if it is determined that the partner crawling data does not exist. In this state, when it is detected that a specific correspondence relationship that does not change beyond a preset critical time exists by referring to the first correspondence relationship between each of the financial institutions belonging to the first subset and each of the first exchange rate information and the second correspondence relationship between each of the financial institutions belonging to the second subset and each of the second exchange rate information, (i) if it is determined that a certain financial institution among the certain financial institutions corresponding to the certain correspondence is the first type partner, further performing at least one of a process of acquiring partner crawling data and a process of supporting acquisition of partner direct input data to update the certain correspondence; (ii) if it is determined that another specific financial institution corresponding to the specific correspondence among the specific financial institutions is the second type partner, performing a process of supporting to obtain the partner direct input data to update the specific correspondence; (iii) if it is determined that among the specific financial institutions, another specific financial institution corresponding to the specific correspondence relationship is a first non-partner financial institution among the financial institutions belonging to the first subset for which the membership application information has not been obtained, a computing device characterized in that it obtains first non-partner crawling data and updates the specific correspondence relationship.

16. A computing device for acquiring exchange rate information for each of a plurality of types of financial institutions and displaying a ranking of each of the plurality of types of financial institutions, comprising: At least one memory storing instructions; and at least one processor configured to execute said instructions; Including, The processor supports performing at least one of (i) a process of crawling web pages of financial institutions belonging to a first subset among all financial institutions to acquire first exchange rate information, and (ii) a process of supporting input of exchange rate information from financial institutions belonging to a second subset among all financial institutions to acquire second exchange rate information; and (II) a process of supporting, when a request for inquiry regarding exchange rate information is received from a user terminal, displaying at least one specific financial institution selected according to a predetermined criterion from the financial institutions belonging to the first subset and the financial institutions belonging to the second subset and at least one specific exchange rate information corresponding to the specific financial institution by referring to a first correspondence relationship between each of the financial institutions belonging to the first subset and the first exchange rate information and a second correspondence relationship between each of the financial institutions belonging to the second subset and the second exchange rate information; To carry out the above. In the process (I), The processor, (I06) a process of determining a partner financial institution as a partner financial institution when application information for joining is acquired from one of the partner financial institutions; and (I07) A process for obtaining a full set of the first exchange rate information by supporting the specific partner financial institution to input the 1_k exchange rate information when it is determined that crawling of the 1_1 exchange rate information through the 1_n exchange rate information as the country-specific exchange rate information included in the first exchange rate information has been attempted for a specific partner financial institution among the partner financial institutions, but the 1_k exchange rate information cannot be obtained as the exchange rate information for at least one country; 23. A computing device, comprising:

17. In the process (II), The computing device of claim 11, wherein the processor, when supporting the display of the specific financial institution and the specific exchange rate information, selects the specific financial institution from among the financial institutions belonging to the first subset and the financial institutions belonging to the second subset included in a search target area determined by referring to at least one of selected location information of the user terminal or current location information of the user terminal, and supports displaying the specific financial institution and the specific exchange rate information.

18. In the process (I), The computing device of claim 11, wherein the processor further performs: (I1) a process of checking whether the first exchange rate information managed by the web page is in a text form when accessing the web page and performing the crawling; (I2) a process of converting the first exchange rate information into the text form using OCR (Optical Character Recognition) if it is determined that the first exchange rate information is not in the text form; and (I3) a process of performing crawling on the converted first exchange rate information.

19. In the process (II), 12. The computing device of claim 11, wherein the processor, when supporting the display of the specific financial institution and the specific exchange rate information, supports displaying the specific financial institution and the specific exchange rate information in ascending order by referring to the first intention information when first intention information to purchase foreign currency is input from the user terminal, and supports displaying the specific financial institution and the specific exchange rate information in descending order by referring to the second intention information when second intention information to sell foreign currency is input from the user terminal.

20. (III) if any one of the specific financial institution and the specific exchange rate information is selected by input of the user terminal, the processor further includes a process for supporting displaying detailed information of the specific financial institution; 12. The computing device of claim 11, wherein the detailed information of the specific financial institution includes at least some of address information, schematic map information, distance information from selected location information of the user terminal, distance information from current location information of the user terminal, telephone number information, inventory information by currency, and date information on which the specific exchange rate information was determined, corresponding to the specific financial institution.

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