Unmanned currency exchange kiosk device, and user terminal for supporting currency exchange and payment

Abstract

An unmanned currency exchange kiosk device, and a user terminal for supporting currency exchange and payment are disclosed. The unmanned currency exchange kiosk device according to one embodiment comprises: a deposit / withdrawal unit through which one or more currencies are deposited and withdrawn; a communication unit for communicating with an external device; an interface unit for inputting and outputting user data; a card charging unit for charging prepaid cards with money; and a control unit connected to the deposit / withdrawal unit, the communication unit, the interface unit and the card charging unit, wherein the control unit receives first country currency deposit information through the deposit / withdrawal unit, exchanges a first country currency for a second country currency according to a second country currency exchange request input from a user through the interface unit, and can perform, according to a payment method input from the user, at least one from among cash withdrawal, prepaid card charging, and mobile application wallet charging of the exchanged second country currency.

Description

Unmanned currency exchange kiosk devices and user terminals supporting currency exchange and payment

[0001] It relates to an unmanned currency exchange kiosk device and a user terminal supporting currency exchange and payment.

[0002] In the past, overseas payment systems had exchange rates determined based on the time of purchase or payment date, and fees were differentially applied based on the payment amount, making it difficult for users to know the exact exchange rate and fees.

[0003] Furthermore, prepaid transportation cards used by foreign visitors to Korea previously required foreign currency exchanged for local currency (KRW) to recharge and use. Refunds were only available in local currency (KRW). Consequently, foreign visitors to Korea had difficulty recovering their balance in their home currency. Furthermore, if they received a refund in local currency (KRW), they faced difficulties exchanging it for other currencies, such as those in Malaysia, Vietnam, Indonesia, and Taiwan.

[0004] Republic of Korea Patent No. 10-1780674 discloses features of an overseas purchase payment settlement system and method.

[0005] The purpose is to provide an unmanned currency exchange kiosk device and a user terminal that supports currency exchange and payment.

[0006] According to one aspect, an unmanned currency exchange kiosk device includes a deposit / withdrawal unit for depositing and withdrawing one or more currencies; a communication unit for communicating with an external device; an interface unit for inputting and outputting user data; a card charging unit for charging an amount of a prepaid card; and a control unit connected to the deposit / withdrawal unit, the communication unit, the interface unit, and the card charging unit, wherein the control unit receives first country currency deposit information through the deposit / withdrawal unit, exchanges first country currency into second country currency according to a second country currency exchange request input from a user through the interface unit, and performs at least one of cash withdrawal, prepaid card charging, and mobile app wallet charging of the exchanged second country currency according to a payment method input from the user.

[0007] When a control unit receives a request for charging a prepaid card from a user, it checks whether the user has a prepaid card, and if the user has a prepaid card, it charges the inserted prepaid card in a second country currency and provides it through the card charging unit. If the user does not have a prepaid card, it charges a new prepaid card in a second country currency and provides it through the card charging unit.

[0008] When a request for recharging a mobile app wallet is received from a user, the control unit requests mobile app wallet member information through the interface unit, and can recharge the converted second-country currency to the mobile app wallet based on the entered mobile app wallet member information.

[0009] The control unit may request the user's phone number if the user is not a member of the mobile app wallet and may provide temporary points based on the entered user phone number.

[0010] When a non-member user completes mobile app wallet membership registration, the control unit can charge the provided temporary points to the mobile app wallet based on the user's phone number included in the mobile app wallet membership information.

[0011] The control unit receives information on depositing a second country currency through at least one of depositing a second country currency through a deposit / withdrawal unit and inserting a prepaid card loaded with a second country currency through a card recharge unit, and exchanges the second country currency into the first country currency according to a request for exchanging the second country currency into the first country currency input by a user through an interface unit, and performs at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the exchanged first country currency according to a payment method input by the user.

[0012] According to one aspect, a user terminal supporting currency exchange and payment includes a communication unit that performs communication with an external device; an interface unit that inputs and outputs user data; and a control unit connected to the communication unit and the interface unit, wherein the control unit charges a mobile app wallet with a second country currency based on mobile app wallet charging information received from an unmanned currency exchange kiosk that exchanges a first country currency into a second country currency through the communication unit, and when a payment request is received from a user through the interface unit, information for payment of the second country currency charged in the mobile app wallet can be output through the interface unit.

[0013] When the control unit receives a request from a user to exchange a second country currency charged to a mobile app wallet into a first country currency, the control unit can exchange the second country currency into the first country currency and charge the mobile app wallet with the first country currency.

[0014] When the control unit receives a request from a user to recharge a second-country transportation card, the control unit can recharge the second-country transportation card by transferring the second-country currency from the mobile app wallet in which the second-country currency is recharged according to the amount requested by the user.

[0015] When the control unit receives a request for recharging a first-country currency from a user, the control unit recharges the first-country currency into the mobile app wallet through the first-country currency payment method, and upon a second-country currency exchange request input by the user, converts the first-country currency recharged into the second-country currency to recharge the mobile app wallet.

[0016] The first country currency payment method can be either a bank transfer from a first country account or a first country credit card.

[0017] According to one aspect, an operating method of an unmanned currency exchange kiosk device performed on a computing device having one or more processors and a memory storing one or more programs executed by the one or more processors may include a deposit step of receiving first country currency deposit information from a deposit / withdrawal device; an exchange step of exchanging first country currency into second country currency according to a second country currency exchange request input from a user through an interface; and a payment step of performing at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the exchanged second country currency according to a payment method input from the user.

[0018] The payment step verifies whether the user has a prepaid card when a request for prepaid card charging is received from the user. If the user has a prepaid card, the prepaid card is charged in a second country currency and provided through the card charging device. If the user does not have a prepaid card, a new prepaid card can be charged in a second country currency and provided through the card charging device.

[0019] The payment step requests mobile app wallet member information through the interface when a request for mobile app wallet top-up is received from a user, and the converted second-country currency can be topped up to the mobile app wallet based on the entered mobile app wallet member information.

[0020] The payment step will ask for the user's phone number if the user is not a member of the mobile app wallet, and temporary points can be provided based on the entered user phone number.

[0021] The payment step is when a non-member user completes mobile app wallet membership registration, and the provided temporary points can be charged to the mobile app wallet based on the user's phone number included in the mobile app wallet membership information.

[0022] The method of operating an unmanned currency exchange kiosk device may further include the steps of receiving information on depositing a second country currency through at least one of depositing a second country currency through a deposit / withdrawal device and inserting a prepaid card loaded with a second country currency through a card charging device; the step of exchanging the second country currency into a first country currency according to a request for exchanging the second country currency into a first country currency input by a user through an interface; and the step of performing at least one of cash withdrawal, prepaid card charging, and mobile app wallet charging of the exchanged first country currency according to a payment method input by the user.

[0023] According to one aspect, a method of operating a user terminal supporting currency exchange and payment, which is performed on a computing device having one or more processors and a memory storing one or more programs executed by the one or more processors, may include the steps of: recharging a mobile app wallet with a second country currency based on mobile app wallet recharging information received from an unmanned currency exchange kiosk that exchanges a first country currency into a second country currency; and, when a payment request is received from a user through an interface, outputting information for payment of the second country currency recharged in the mobile app wallet through the interface.

[0024] The method of operation of a user terminal supporting currency exchange and payment may further include, when receiving a request from a user to exchange a second country currency charged in a mobile app wallet into a first country currency, a step of exchanging the second country currency into the first country currency and charging the mobile app wallet with the first country currency.

[0025] The method of operation of a user terminal supporting currency exchange and payment may further include, when a request for recharging a second-country transportation card is received from a user, a step of recharging the second-country transportation card by transferring the second-country currency from a mobile app wallet in which the second-country currency is recharged according to the amount requested by the user.

[0026] The step of recharging the mobile app wallet with a second country currency is to recharge the first country currency to the mobile app wallet using the first country currency payment method when a request for recharging the first country currency is received from the user, and to recharge the mobile app wallet by converting the first country currency recharged to the mobile app wallet into the second country currency according to a request for exchange of the second country currency entered by the user.

[0027] The first country currency payment method can be either a bank transfer from a first country account or a first country credit card.

[0028] You can withdraw your balance after using the prepaid account on the mobile app. You can manage currencies from multiple countries with local currency wallets within the prepaid account. Furthermore, foreigners can increase user convenience by eliminating the need to issue a separate account for balance withdrawals.

[0029] Furthermore, since the exchange time is clear, users can check the exact exchange rate before exchanging money, and the convenience of purchasing can be increased by not having to consider separate exchange rates at each purchase stage.

[0030] Figure 1 is an exemplary diagram for explaining the operating environment of an unmanned currency exchange system according to one embodiment.

[0031] Figure 2 is a configuration diagram of an unmanned currency exchange kiosk device according to one embodiment.

[0032] FIG. 3 is an exemplary diagram illustrating the operation of an unmanned currency exchange kiosk device according to one embodiment.

[0033] Figure 4 is a configuration diagram of a user terminal that supports currency exchange and payment according to one embodiment.

[0034] Figures 5 to 8 are exemplary diagrams for explaining the operation of a user terminal supporting currency exchange and payment according to an example.

[0035] Figure 9 is a flowchart illustrating an operation method of an unmanned currency exchange kiosk according to one embodiment.

[0036] Fig. 10 is a flowchart illustrating an operation method of a user terminal supporting currency exchange and payment according to one embodiment.

[0037] Hereinafter, an embodiment of the present invention will be described in detail with reference to the attached drawings. In describing the present invention, detailed descriptions of known functions or configurations will be omitted if they are deemed to unnecessarily obscure the gist of the present invention. Furthermore, the terms described below are defined based on their functions in the present invention and may vary depending on the intentions or practices of the user or operator. Therefore, their definitions should be based on the overall content of this specification.

[0038] Figure 1 is an exemplary diagram for explaining the operating environment of an unmanned currency exchange system according to one embodiment.

[0039] Referring to FIG. 1, an unmanned currency exchange system may include an unmanned currency exchange kiosk device (100), a user terminal (200), and an external server (300). In one example, the external server (300) may be at least one of a financial server providing exchange rate information, a payment server managing card payments, and a merchant payment device.

[0040] Figure 2 is a configuration diagram of an unmanned currency exchange kiosk device according to one embodiment.

[0041] Referring to FIG. 2, an unmanned currency exchange kiosk device (100) may include a deposit / withdrawal unit (110) for depositing and withdrawing one or more currencies, a communication unit (120) for communicating with an external device, an interface unit (130) for inputting and outputting user data, a card charging unit (140) for charging the amount of a prepaid card, and a control unit (150) connected to the deposit / withdrawal unit (110), the communication unit (120), the interface unit (130), and the card charging unit (140).

[0042] For example, a user can deposit and withdraw cash, the currency of a given country, through the deposit / withdrawal unit (110). The communication unit (120) can communicate with external user terminals, servers, etc. to exchange data. The interface unit (130) can include one or more devices capable of exchanging data with the user, such as a touch screen, keypad, or buttons. The card charging unit (140) can provide functions for reading and writing credit cards and prepaid cards.

[0043] In one embodiment, the control unit (150) may receive first currency deposit information via the deposit / withdrawal unit (110). For example, when a user deposits first currency cash, the deposit / withdrawal unit (110) may verify the type and amount of currency and then generate currency deposit information.

[0044] In one embodiment, the control unit (150) may exchange a first-country currency for a second-country currency upon a second-country currency exchange request input by a user via the interface unit (130). At this time, the exchange rate may be determined based on the exchange rate at the time of exchange. Conventionally, fees for overseas payments vary depending on the payment method and payment amount, and the exchange rate standard is determined based on the time of purchase or payment date, making it difficult for users to know the exact exchange rate and fees. On the other hand, in one embodiment, the exact exchange rate and fees can be determined at the time of exchange, thereby increasing user convenience.

[0045] In one embodiment, the control unit (150) can perform at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the converted second-country currency, depending on the payment method input by the user. Referring to FIG. 3, the user can input the first-country currency and request a conversion into the second-country currency. The user can then determine a payment method for the converted second-country currency. For example, the user can select at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge via the interface unit (130).

[0046] For example, currency may include not only the currency used in a given country, but also online points used in that country. For example, currency may include various online points that can be used like cash in simple payment services.

[0047] For example, if a user requests cash payment, the control unit (150) can pay out the second country currency exchanged through the deposit / withdrawal unit (110).

[0048] For example, a user may request to recharge a prepaid card. In one embodiment, when the control unit (150) receives a request to recharge a prepaid card from a user, the control unit (150) may verify whether the user possesses a prepaid card. As shown in FIG. 3, when the user requests to recharge a prepaid card, the control unit (150) may verify whether the user possesses a prepaid card to be used. If the user possesses a prepaid card, the control unit (150) may insert the prepaid card through the card recharge unit (140) and recharge the inserted prepaid card with a second-country currency. Conversely, if the user does not possess a prepaid card, the control unit (150) may issue a new prepaid card for the user to use and recharge the second-country currency converted into the newly issued prepaid card, which may then be provided to the user.

[0049] For example, a user may request to top up their mobile app wallet. In one embodiment, when a user requests to top up their mobile app wallet, the control unit (150) may request mobile app wallet membership information via the interface unit (130). For example, the member information may be received by directly entering a member ID or scanning a QR code. Based on the entered mobile app wallet membership information, the control unit (150) may then top up the mobile app wallet with the converted foreign currency.

[0050] For example, a user may request to recharge their mobile app wallet, but may not be a member of the mobile app wallet. For example, if the user is not a member of the mobile app wallet, the control unit (150) may request the user's phone number and provide temporary points based on the entered phone number. The user's phone number may then function as a temporary ID for point issuance. After the user completes membership registration for the mobile app wallet, the temporarily issued points can be used to recharge the mobile app wallet.

[0051] In one embodiment, when a non-member user completes mobile app wallet membership registration, the control unit (150) may charge the mobile app wallet with previously provided temporary points based on the user's phone number included in the mobile app wallet membership information. For example, to register as a mobile app wallet member, the user may authenticate their phone number, and the control unit (150) may authenticate the user by comparing the authenticated phone number with the phone number to which the points were issued. Thereafter, the control unit (150) may charge the previously issued points to the authenticated user's mobile app wallet in a foreign currency.

[0052] For example, a user can exchange any remaining second-country currency back into the first-country currency.

[0053] In one embodiment, the control unit (150) may receive information on a second currency deposit through at least one of a second currency deposit through the deposit / withdrawal unit (110) and a prepaid card loaded with the second currency through the card recharge unit (140). For example, a user may deposit remaining second currency cash through the deposit / withdrawal unit (110). Alternatively, a prepaid card loaded with the second currency may be inserted into the card recharge unit (140). In this case, the control unit (150) may obtain information on the second currency deposited by the user.

[0054] According to one embodiment, the control unit (150) can exchange a second country currency into a first country currency based on a request for exchanging a second country currency into a first country currency input by a user via the interface unit (130). For example, the user can check the second country currency deposited via the interface unit (140) and select the currency for which the user wishes to exchange. At this time, the user can select not only the first country currency but also the currency of a third country. The control unit (150) can exchange the deposited amount into the currency of the country selected by the user.

[0055] In one embodiment, the control unit (150) may perform at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the converted first-country currency, based on the payment method input by the user. This method may be performed in the same manner as if the user were converting the first-country currency into a second-country currency. In other words, the method for converting the first-country currency into a second-country currency and the method for converting the second-country currency into the first-country currency may be performed in the same manner.

[0056] Figure 4 is a diagram illustrating a user terminal supporting currency exchange and payment according to one embodiment. For example, the user terminal (200) in Figure 1 may be the user terminal (200) supporting currency exchange and payment as shown in Figure 4. Furthermore, the user terminal (200) supporting currency exchange and payment may be a user terminal installed with the mobile app wallet described in the embodiments of Figures 2 and 3.

[0057] According to one embodiment, a user terminal (200) that supports currency exchange and payment may include a communication unit (210) that performs communication with an external device, an interface unit (220) that inputs and outputs user data, and a control unit (230) connected to the communication unit (210) and the interface unit (220).

[0058] For example, a user terminal (200) that supports currency exchange and payment can communicate with an external server (300) corresponding to at least one of an unmanned currency exchange kiosk device (100) and a financial server that provides exchange rate information, a payment server that manages card payments, and a merchant payment device through a communication unit (210).

[0059] According to one embodiment, the control unit (230) may recharge the mobile app wallet with the second country currency based on mobile app wallet recharge information received from an unmanned currency exchange kiosk that exchanges the first country currency into the second country currency via the communication unit (210). For example, when a user inputs membership information of the mobile app wallet into the unmanned currency exchange kiosk device (100), the unmanned currency exchange kiosk device (100) may provide the exchange information to the control unit (230) where the mobile app wallet is running, thereby recharging the mobile app wallet.

[0060] According to one embodiment, when the control unit (230) receives a payment request from a user via the interface unit (220), the control unit (230) may output information for payment using a second-country currency charged to the mobile app wallet via the interface unit (220). Referring to FIG. 5, the user may request payment using the second-country currency charged to the mobile app wallet, and the control unit (230) may output information for payment. For example, the information for payment using the second-country currency may be output via the interface unit (220) in the form of a QR code or barcode.

[0061] For example, a user may exchange the remaining second-country currency back into the first-country currency. In one embodiment, when the control unit (230) receives a request from a user to exchange the second-country currency charged to the mobile app wallet into the first-country currency, the control unit (230) may exchange the second-country currency into the first-country currency and recharge the mobile app wallet with the first-country currency.

[0062] For example, a user can deposit remaining foreign currency at an unmanned currency exchange kiosk or deposit the remaining foreign currency by inserting a prepaid card loaded with the foreign currency into the kiosk. The user can then transfer the foreign currency deposited at the kiosk to their mobile app wallet. Additionally, the user may already have the foreign currency loaded into their mobile app wallet. The user can then request an exchange for the foreign currency loaded at the unmanned currency exchange kiosk and the remaining foreign currency in their mobile app wallet.

[0063] Referring to Figure 6, a user may request a refund of a second-country currency held in a mobile app wallet. In this case, the refund may mean exchanging the second-country currency for a first-country currency of the user's nationality. The control unit (230) may, at the user's request, exchange the second-country currency held in the mobile app wallet for the first-country currency and refund the second-country currency to the first-country currency by charging the converted first-country currency to the mobile app wallet.

[0064] In one embodiment, when a user requests to recharge a second-country transportation card, the control unit (230) may transfer the second-country currency from a mobile app wallet, which contains the second-country currency, to recharge the second-country transportation card according to the amount requested by the user. For example, the transportation card may be distinct from a prepaid card or mobile app wallet held by the user. In other words, the transportation card may be operated as a separate app.

[0065] Referring to Figure 7, a user can request to recharge a transportation card using a second-country currency. In this case, the control unit (230) can receive the amount for recharging the transportation card from the user and transfer the amount from the mobile app wallet loaded with the second-country currency to the transportation card. To achieve this, the mobile app wallet and the transportation card app can be linked.

[0066] In one embodiment, when a user requests a first-country currency recharge, the control unit (230) can recharge the first-country currency into the mobile app wallet using a first-country currency payment method. For example, the user can request a currency exchange directly via their mobile device rather than through an unmanned currency exchange kiosk.

[0067] In one embodiment, the control unit (230) may convert the first currency charged in the mobile app wallet into the second currency upon a second currency exchange request from the user, thereby recharging the mobile app wallet. For example, the user may request to recharge the first currency through the mobile app wallet. In this case, the control unit (230) may receive the first currency using the first currency payment method held by the user. For example, the first currency payment method may be either a bank transfer from a first country account or a first country credit card.

[0068] That is, users can directly recharge their mobile wallet with the currency of a foreign country via bank transfer or credit card. The control unit (230) then converts the recharged currency of the foreign country into the currency of a foreign country and recharges the converted currency of the foreign country into the mobile app wallet.

[0069] Figure 9 is a flowchart illustrating an operation method of an unmanned currency exchange kiosk according to one embodiment.

[0070] According to one embodiment, the unmanned currency exchange kiosk may be a computing device having one or more processors and a memory storing one or more programs executed by the one or more processors.

[0071] In one embodiment, the unmanned currency exchange kiosk may receive first-country currency deposit information from a deposit / withdrawal device (910), and may exchange the first-country currency into a second-country currency based on a second-country currency exchange request input by a user through an interface (920). Thereafter, the unmanned currency exchange kiosk may perform at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the exchanged second-country currency based on the payment method input by the user (930).

[0072] Fig. 10 is a flowchart illustrating an operation method of a user terminal supporting currency exchange and payment according to one embodiment.

[0073] According to one embodiment, a user terminal supporting currency exchange and payment may be a computing device having one or more processors and a memory storing one or more programs executed by the one or more processors.

[0074] According to one embodiment, a user terminal supporting currency exchange and payment can recharge a mobile app wallet with a second country currency based on mobile app wallet recharge information received from an unmanned currency exchange kiosk that exchanges a first country currency into a second country currency (1010), and when receiving a payment request from a user through an interface, can output information for payment of the second country currency recharged in the mobile app wallet through the interface (1020).

[0075] Among the embodiments of FIGS. 9 and 10, embodiments that overlap with the contents described with reference to FIGS. 1 to 8 are omitted.

[0076] One aspect of the present invention can be implemented as computer-readable code on a computer-readable recording medium. Codes and code segments implementing the above program can be easily inferred by a computer programmer in the art. The computer-readable recording medium may include any type of recording device that stores data that can be read by a computer system. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical disk, etc. Furthermore, the computer-readable recording medium may be distributed across network-connected computer systems, so that the computer-readable code can be written and executed in a distributed manner.

[0077] The present invention has been described above, focusing on preferred embodiments thereof. Those skilled in the art will appreciate that the present invention can be implemented in modified forms without departing from its essential characteristics. Therefore, the scope of the present invention is not limited to the aforementioned embodiments, but should be interpreted to encompass various embodiments within the scope equivalent to the claims.

[0078] The present invention can be used in the unmanned currency exchange and payment industry.

Claims

1. A deposit and withdrawal section for depositing and withdrawing one or more currencies; A communication unit that performs communication with external devices; Interface section for inputting and outputting user data; A card recharge section for recharging the amount of a prepaid card; and It includes a control unit connected to the above deposit / withdrawal unit, the communication unit, the interface unit, and the card charging unit, The above control unit Receive first country currency deposit information through the above deposit / withdrawal section, The first country currency is exchanged into the second country currency according to a second country currency exchange request entered by the user through the above interface section. An unmanned currency exchange kiosk device that performs at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of a second country currency converted according to a payment method entered by a user.

2. In paragraph 1, The above control unit When you are asked to recharge a prepaid card by a user, we will check whether you have a prepaid card. If you have a prepaid card, we will provide you with a prepaid card charged in a second country currency through the card charging section above. An unmanned currency exchange kiosk device that provides a new prepaid card by recharging it with a second country currency and using the card recharging section if the user does not have a prepaid card.

3. In paragraph 1, The above control unit When a request for mobile app wallet recharge is received from a user, the mobile app wallet member information is requested through the above interface. An unmanned currency exchange kiosk device that charges a mobile app wallet with a second country currency exchanged based on the entered mobile app wallet member information.

4. In paragraph 3, The above control unit An unmanned currency exchange kiosk device that requests a user's phone number if the user is not a member of a mobile app wallet and provides temporary points based on the entered user phone number.

5. In paragraph 4, The above control unit An unmanned currency exchange kiosk device that charges a mobile app wallet with pre-provided temporary points based on the user's phone number included in the mobile app wallet member information when a non-member user completes mobile app wallet member registration.

6. In paragraph 1, The above control unit Receive information on a second country currency deposit through at least one of a second country currency deposit through the above deposit / withdrawal section and a second country currency prepaid card loaded with the second country currency through the above card charging section, In response to a request for exchanging a second country currency into a first country currency entered by a user through the above interface, the second country currency is exchanged into the first country currency. An unmanned currency exchange kiosk device that performs at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of a first country currency converted according to a payment method entered by a user.

7. Communication unit that performs communication with external devices; An interface section for inputting and outputting user data; and It includes a control unit connected to the above communication unit and the above interface unit, The above control unit Recharge the mobile app wallet with the second country currency based on the mobile app wallet recharge information received from the unmanned currency exchange kiosk that exchanged the first country currency into the second country currency through the above communication unit. A user terminal that supports currency exchange and payment, which, when receiving a payment request from a user through the above interface unit, outputs information for payment in a second country currency charged to the mobile app wallet through the above interface unit.

8. In paragraph 7, The above control unit A user terminal that supports currency exchange and payment, which receives a request from a user to exchange a second country currency charged to the mobile app wallet into a first country currency, converts the second country currency into the first country currency, and charges the mobile app wallet with the first country currency.

9. In paragraph 7, The above control unit A user terminal that supports currency exchange and payment, which, when a user requests to recharge a second-country transportation card, transfers the second-country currency from a mobile app wallet in which the second-country currency has been recharged according to the amount requested by the user, thereby recharging the second-country transportation card.

10. In paragraph 7, The above control unit When a user requests a recharge of a first-country currency, the first-country currency is recharged to the mobile app wallet using a first-country currency payment method. A user terminal that supports currency exchange and payment, which converts the first country currency charged in the mobile app wallet into the second country currency and charges the mobile app wallet according to a second country currency exchange request entered by the user.

11. In paragraph 10, A user terminal that supports currency exchange and payment, wherein the first country currency payment method is either a first country account transfer or a first country credit card.

12. One or more processors, and A method performed in a computing device having a memory storing one or more programs executed by one or more processors, A deposit step for receiving first country currency deposit information from a deposit / withdrawal device; An exchange step for exchanging the first country currency into the second country currency according to a second country currency exchange request entered by a user through the interface; and A method of operating an unmanned currency exchange kiosk device, comprising a payment step of performing at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of a second country currency converted according to a payment method entered by a user.

13. In paragraph 12, The above payment steps are When you are asked to recharge a prepaid card by a user, we will check whether you have a prepaid card. If you have a prepaid card, we will provide you with a prepaid card charged in a second country currency through the card charging device. A method of operating an unmanned currency exchange kiosk device, wherein a new prepaid card is charged with a second country currency and provided through the card charging device when the user does not have a prepaid card.

14. In paragraph 12, The above payment steps are When a request for mobile app wallet top-up is received from a user, the mobile app wallet member information is requested through the above interface. A method of operating an unmanned currency exchange kiosk device for recharging a second country currency into a mobile app wallet based on entered mobile app wallet member information.

15. In paragraph 14, The above payment steps are A method of operating an unmanned currency exchange kiosk device, which requests a user's phone number if the user is not a member of a mobile app wallet and provides temporary points based on the entered user phone number.

16. In paragraph 15, The above payment steps are A method of operating an unmanned currency exchange kiosk device, wherein when a non-member user completes mobile app wallet membership registration, temporary points provided based on the user's phone number included in the mobile app wallet membership information are charged to the mobile app wallet.

17. In paragraph 12, A step of receiving information on a second country currency deposit through at least one of a second country currency deposit through a deposit / withdrawal device and a second country currency deposit through a card charging device; A step of exchanging a second country currency into a first country currency according to a request for exchanging a second country currency into a first country currency entered by a user through the above interface; and A method of operating an unmanned currency exchange kiosk device, further comprising the step of performing at least one of cash withdrawal, prepaid card recharge, and mobile app wallet recharge of the converted first country currency according to a payment method entered by a user.

18. One or more processors, and A method performed in a computing device having a memory storing one or more programs executed by one or more processors, A step of recharging a mobile app wallet with a second country currency based on mobile app wallet recharging information received from an unmanned currency exchange kiosk that exchanges a first country currency into a second country currency; and A method of operating a user terminal supporting currency exchange and payment, comprising the step of outputting information for payment of a second country currency charged to the mobile app wallet through the interface when receiving a payment request from a user through the interface.

19. In paragraph 18, A method of operating a user terminal that supports currency exchange and payment, further comprising the step of converting the second country currency into the first country currency and recharging the mobile app wallet with the first country currency when receiving a request from a user to exchange the second country currency charged to the mobile app wallet into the first country currency.

20. In paragraph 18, A method of operating a user terminal supporting currency exchange and payment, further comprising the step of recharging a second country transportation card by transferring second country currency from a mobile app wallet in which the second country currency is recharged according to the amount requested by the user when a request for recharging a second country transportation card is received from a user.

21. In paragraph 18, Steps to recharge the above mobile app wallet with a second country currency When a user requests a recharge of a first-country currency, the first-country currency is recharged to the mobile app wallet using a first-country currency payment method. A method of operating a user terminal that supports currency exchange and payment, wherein the first country currency charged in the mobile app wallet is exchanged into a second country currency and the mobile app wallet is charged according to a second country currency exchange request entered by the user.

22. In paragraph 21, A method of operating a user terminal that supports currency exchange and payment, wherein the first country currency payment method is either a first country account transfer or a first country credit card.

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