| 摘要 |
A system for serving installment foreign currency deposits according to an embodiment of the present invention comprises: a storage unit for storing, in an exchange rate information database, finally noticed exchange rates of the day before a transfer-specified date, and three-month average exchange rates just before the transfer-specified date; a comparing unit for comparing the noticed exchange rates with the average exchange rates and determining a transfer rate to be applied to a base transfer amount of money according to the comparison result; and a processing unit for applying the determined transfer rate to the base transfer amount of money to withdraw funds from a Won account, buying or transferring foreign currency with the withdrawn funds to save the foreign currency in a foreign currency account associated with the Won account, and if a user transfers money abroad through the Won account or the foreign currency account, reducing or exempting an outward remittance charge. [Reference numerals] (210) Record a noticed exchange rate and an average exchange rate in an exchange rate information DB; (220) Compare the noticed exchange rate and the average exchange rate; (230) Noticed exchange rate < Average exchange rate x 90%; (240) Determine a transfer rate as 110%; (250) Apply the transfer rate to a transfer reference amount(transfer reference amount x 110%); (260) Withdraw funds from a Won account; (270) Buy/transfer foreign currency to save the foreign currency; (280) International remittance?; (290) Reduce or exempt an outward remittance charge; (AA) Start; (BB,DD) No; (CC,EE) Yes; (FF) End |
