KR102597134B1 - Virtual currency distribution system - Google Patents

Abstract

In the present invention, real currency equivalent to the amount of virtual currency paid to the consumer is received from the consumer and always stored by the PG company, so the franchisee can cash out the virtual currency received as payment for product sales at any time with real currency at the PG company without losing it. The goal is to provide a virtual currency distribution system that is always reliable and allows virtual currency to be used like real money as a payment method for commercial transactions.
The virtual currency distribution system of the present invention includes a headquarters server (100) installed at the headquarters, a PG company server (200) installed at the PG company, a relay station server (300) installed at the relay station, and an affiliated store app ( The system is built by including 400) by default.

Description

Virtual currency distribution system

The present invention relates to virtual currency, and more specifically, by purchasing goods with virtual currency, consumers can purchase goods at a cheaper price than purchasing with commonly used real money, and it provides benefits to consumers as well as systems such as PG companies and affiliated stores. It is about a virtual currency distribution system that can benefit everyone involved.

In general, virtual currency refers to currency that does not exist in physical form, such as commonly used physical currency such as banknotes and coins, but is traded only online through electronic devices, and is an encryption such as blockchain. Because it uses technology, it is also called cryptocurrency. Recently, the number of users using virtual currency is gradually increasing due to the trustworthiness of encryption technology.

These virtual currencies are not issued by a specific institution, but are mined through computer processing, traded on a peer-to-peer (P2P) basis, and the total amount issued is limited. Representative virtual currencies include bitcoin, ethereum, ripple, and litecoin, and many other currencies based on encryption technology are used as 'cache' by web service companies. It is commonly used online under the name, and virtual currency exchanges have emerged that provide a market where blockchain-based virtual currency can be bought and sold or converted into real currency.

To trade virtual currency, you basically need to open an electronic wallet account. When a user who opens an account deposits real currency into an exchange account, the exchange manages it in the form of the user's electronic wallet corresponding to the amount deposited by the user, and the user uses the amount deposited in the electronic wallet to create a virtual currency through the exchange. Buy currency. However, since virtual currency is an intangible currency and the market price is constantly changing, it cannot provide a clear guarantee and confidence as to whether it can be converted into real currency at the appropriate price at any time when necessary. Therefore, even though it is currency, it cannot be circulated like cash in everyday life and is not invested as an investment. The problem is that transactions are only made to buy and sell virtual currency for the purpose, and that it cannot be used like cash in actual commerce.

Looking at the technologies that have emerged in relation to virtual currency, Patent Registration No. 10-2195551 "Virtual currency storage transaction system and method of use", Patent registration No. 10-2458984 "Virtual currency copy trading system", Patent registration No. 10- Although many technologies have emerged, such as No. 2021265 “Virtual currency transaction service provision system,” problems such as those pointed out above still remain.

The present invention was created to solve the above problems, and the purpose of the present invention is to receive real money from the consumer equivalent to the amount of virtual currency paid to the consumer and store it at all times at the PG company, so the affiliated store can sell the product. The goal is to provide a virtual currency distribution system that allows virtual currency received as payment to be used like real currency as a payment method for commercial transactions, as it is always reliable and can be converted into real currency at any time at the PG company without losing money.

Another purpose of the present invention is that by purchasing goods with virtual currency, consumers can purchase goods cheaper than purchasing with real money, and when the headquarters directly recruits and manages franchisees, there is no need to provide allowances to branches. It is a benefit, and there is no loss for affiliated stores compared to selling with real currency, and PG companies also want to provide a virtual currency distribution system that can benefit everyone involved in the system by increasing fees and customers.

The virtual currency distribution system according to the present invention includes a PG company server (200) that stores real currency and virtual currency provided by the head office and then pays out real currency and virtual currency; The head office server (100), which pays the virtual currency held by the head office through the PG company server and manages the affiliated stores; A relay station server (300) that relays the exchange of virtual currency to real currency; It consists of an affiliated store app (400) that receives virtual currency equivalent to the real currency paid to the PG company when the consumer purchases the product and virtual currency received as compensation from the PG company, and allows the consumer to purchase the product with virtual currency at the affiliated store. When purchasing, consumers purchase at a low price with a certain percentage discount compared to purchasing with real money.

Preferably, the PG company server 200 stores virtual currency and pays virtual currency equivalent to real currency received from a consumer who wants to purchase a product at an affiliated store to the consumer at the market price, and exchanges the virtual currency paid by the consumer. 1st PG company wallet (210) that allows payment to the affiliated store immediately; The 2nd PG company wallet (2nd PG company wallet) compensates for the loss incurred by the affiliated store by storing virtual currency and selling it at a certain percentage discount price with an amount higher than the lost amount by a certain percentage and pays to the affiliated store in virtual currency at the market price. 220); It is comprised of a 3rd PG company wallet (230) that stores real currency and then pays it out.

Preferably, the first PG company wallet 210 of the PG company server pays the virtual currency directly to the affiliated store instead of paying it to the consumer.

Preferably, the first PG company wallet and the second PG company wallet of the PG company server are integrated and operated as a single virtual currency wallet that stores and pays virtual currency.

Preferably, the affiliated store app 400 includes a first affiliated store wallet 410 that stores the virtual currency paid by the PG company as payment for product sales, and a first affiliated store wallet 410 that stores the virtual currency paid by the PG company as compensation for the loss amount. It consists of a second merchant wallet (420), and the virtual currency stored in the first merchant wallet is converted into real currency at the market price at the time of payment from the PG company through the PG company server within a certain period of time, and the second merchant wallet The virtual currency stored in is converted into real currency through the relay station server.

Preferably, if the period during which the virtual currency stored in the first affiliated store wallet can be converted into real currency through the PG company server has expired, the virtual currency is converted into real currency through the relay station server.

Preferably, the distribution system further includes a branch app 600 that recruits affiliated stores, and the branch app 600 stores virtual currency paid from the PG company server as an allowance according to the sales performance of affiliated stores recruited by the branch. It consists of a first branch wallet (610) that stores real money paid as an allowance according to the branch's sales performance from the PG company server and a second branch wallet (620) that stores the virtual currency stored in the first branch wallet. Currency is converted into real currency through a relay station server.

The virtual currency distribution system according to the present invention receives real money from consumers in an amount equivalent to the virtual currency paid for product sales and stores it at the PG company, so the affiliated store can use the virtual currency received as product sales at any time without losing it. Because PG companies can cash out real currency, virtual currency can always be trusted like real currency.

Additionally, by purchasing goods with virtual currency, consumers benefit from being able to purchase goods at a lower price with a certain percentage discount than purchasing with real currency. Since the affiliated store is compensated by the PG company for more than the loss incurred by selling at a low price, there is no loss compared to selling with real currency, and because it is sold at a low price, the number of customers (consumers) increases, and the When the price of virtual currency rises, its value also increases, and even if the price of virtual currency falls, the affiliated store does not have to lose money because the PG company converts it into real currency at the price at the time of receiving the virtual currency from the PG company as payment for the sale of the product. Not at all.

In addition, since the head office can recruit and manage franchises directly under the head office rather than having a branch to recruit and manage franchises, it is advantageous because it does not provide allowances to branches, and PG companies also charge a commission when converting virtual currency into real currency. In addition to receiving , it is beneficial to increase the number of users (consumers, affiliates), so it can benefit not only consumers involved in virtual currency distribution, but also affiliates, PG companies, and headquarters.

Figure 1 is a diagram schematically showing an embodiment of the virtual currency distribution system of the present invention.
Figure 2 is a block diagram schematically showing a PG company server.
Figure 3 is a block diagram schematically showing an affiliated store app.
Figure 4 is a diagram schematically showing another embodiment of the virtual currency distribution system of the present invention.
Figure 5 is a block diagram schematically showing the branch app of the present invention.

The biggest technical feature of the virtual currency distribution system according to the present invention is that the PG company always receives real money equivalent to the virtual currency paid for product sales from the consumer and stores it at all times, so the affiliated store receives it as product sales price and keeps it. The fact that virtual currency can be cashed out for real money at PG companies at any time without loss makes virtual currency always trustworthy, and it can be beneficial to all consumers, franchisees, PG companies, and headquarters involved in the virtual currency distribution system. The point is that it was made to exist.

In this specification, 'market price' is the current price of virtual currency traded at a relay station, that is, the current price when exchanging virtual currency for currently used real currency. In addition, it should be clarified that 'purchasing a product' includes not only the purchase of a product from an affiliated store, but also all commercial transactions involving payment of costs, such as fees paid for services if the affiliated store is in the service industry. Additionally, PG stands for Payment Gateway, which refers to a service that handles online transactions with financial institutions (credit card payments, account transfers, mobile phone payments, ARS payments, etc.). PG companies provide the necessary payment services and collect fees. It is an electronic payment agency that accepts.

The virtual currency distribution system of the present invention includes a headquarters server (100) installed at the headquarters, a PG company server (200) installed at the PG company, a relay station server (300) installed at the relay station, and an affiliated store app ( The system is built to include 400) by default, and consumers must download a dedicated app on their mobile devices (500) to be able to trade virtual currency. All transactions are carried out through a dedicated app built by the head office.

The headquarters server (100) is installed at the headquarters to provide virtual currency to the PG company server (200) and stores information about the deposit and withdrawal of virtual currency and real currency provided by the PG company server (200), affiliated stores, relay stations, and branches. It is managed and connected to the PG company server (200) and the relay station server (300). In addition, the head office must build a dedicated app that can use virtual currency so that consumers, affiliated stores, and branches can download it, and consumers can also be issued a dedicated card that can use virtual currency. In addition, in one embodiment of the present invention, it is a head office-managed system in which franchises are recruited and managed directly from the head office, without having a separate branch to recruit franchises.

The headquarters server (100) has an affiliated store information management department that forms the collected affiliated store information and provides it to the PG company, and compensates for the amount of loss incurred by the affiliated store at a certain percentage higher than the amount lost, which the PG company pays to the affiliated store. An affiliated store loss management department that checks and manages the virtual currency traded, a market price confirmation department that checks the market price of virtual currency traded through a relay station in real time, and an affiliated store information confirmation department that receives and verifies or stores information from affiliated stores, etc. It may include more.

The PG company server (200) is installed at the PG company, stores real currency received from consumers and virtual currency received from the head office, and then pays out real currency and virtual currency. The PG company server (200) stores virtual currency. and the first and second PG company wallets (210, 220), which are managed while making payments, and the third PG company wallet (230), which is managed while storing and paying cash, which is real currency.

The 1st PG company wallet (210) stores the virtual currency paid by the head office and pays the virtual currency equivalent to the real currency received from consumers who want to purchase products at the affiliated store to the consumer at the market price, and the consumer receives the virtual currency paid. is immediately paid to the affiliated store to purchase the product. Here, the consumer has a dedicated app installed on his mobile phone (500), so the virtual currency paid by the PG company is paid to the consumer's dedicated app. In addition, the 1st PG company wallet 210 may not pay virtual currency directly to the consumer, but may directly pay virtual currency equivalent to real money received from a consumer who wants to purchase a product at the affiliated store to the affiliated store at the market price.

The 2nd PG company wallet (220) stores the virtual currency paid by the head office and sells it at a low price with a certain percentage discount, compensating for the loss incurred by the affiliated store with an amount higher than the lost amount by a certain percentage and selling it at the market price. Payment will be made to the affiliated store in virtual currency. Since the 1st PG company wallet 210 and the 2nd PG company wallet 220 are wallets that store, pay, and manage virtual currency, they can be integrated and operated as a single virtual currency wallet.

When a consumer purchases a product with virtual currency and pays an equivalent amount of real currency to the PG company, the PG company pays the corresponding virtual currency to the consumer or affiliated store. At this time, the PG company transfers the real currency received from the consumer to a 3rd PG company. It is stored in the PG wallet (230), and the 3rd PG wallet (230) is a wallet that handles real currency. The real currency stored in the 3rd PG company's wallet (230) is used when the affiliated store cashes the virtual currency paid at the market price from the 1st PG company's wallet (210) into real currency at the PG company. If the affiliated store does not cash out within a certain period of time, the remaining real currency will be recovered by paying the equivalent virtual currency to the PG company at the head office.

The PG company server 200 may be equipped with a compensation amount setting unit, which sets the compensation amount as a certain percentage higher than the loss amount for the loss incurred by the affiliated store by selling to the consumer at a low price with a certain percentage discount. (For example, if it was sold at a 10% discount, set the compensation amount at 13%, which is 30% higher than the discount rate), and compensate with an amount that is a certain percentage higher than the lost amount in the 2nd PG company wallet (220) to reduce the market price. Payments are made to affiliated stores in virtual currency. In addition, by providing a currency payment unit, virtual currency or real currency to be paid from the first to third PG company wallets can be paid through the currency payment unit.

The PG company is set up to receive a pre-agreed fee when a virtual currency transaction is made through the PG company server (200). As the use of virtual currency increases, the number of merchants and consumers using the PG company increases, so the number of PG company customers overall increases. The increase is beneficial to PG. In other words, as the number of customers increases, the transaction volume of virtual currency increases, which leads to an increase in fees, resulting in a large benefit for the PG company.

The relay station server 300 is installed at the relay station and relays the exchange when virtual currency is exchanged for real currency. The relay station can use an existing virtual currency exchange or build a new system to relay parties who want to trade virtual currency. You do it and receive a certain fee. Existing virtual currency exchanges allow sellers and buyers of virtual currency to deposit and withdraw money from their exchange accounts, but the newly built relay station only relays between sellers and buyers and exchanges virtual currency and real currency in each party's account or electronic wallet. It's a system. It should be noted that the term 'relay station' in this specification includes both existing virtual currency exchanges as well as newly built relay systems.

The affiliated store app 400 is installed at the affiliated store and receives virtual currency equivalent to the real currency paid to the PG company by the consumer when purchasing a product and virtual currency received as compensation from the PG company. The affiliated store app can be used on a mobile device that downloads the dedicated app. Meanwhile, when a consumer uses a virtual currency-only card, only a terminal that can use the dedicated card needs to be installed at the affiliated store, so it is clarified that the affiliated store app 400 includes a terminal.

An affiliated store can be any industry used by consumers, for example, a distribution industry that sells and trades goods wholesale or retail, a service industry, or a restaurant industry, or any industry in which commerce takes place while being used by consumers. When a consumer purchases a product with virtual currency at an affiliated store, the consumer purchases it at a lower price with a certain percentage (e.g., 10%) discount compared to purchasing with real currency, which is a great benefit to the consumer. Consumers make purchases using their mobile phone (500) or a dedicated card that downloads a dedicated app for using virtual currency from an affiliated store. Therefore, it should be stated in advance that the mobile 500 also includes a dedicated card. When a consumer wants to purchase or sell virtual currency for purposes such as investment, he or she can subscribe to a relay station and purchase and trade through the relay station server 300 using a mobile device that downloads a dedicated app.

The affiliated store app 400 has a first affiliated store wallet 410 that stores the virtual currency paid by the PG company as payment for product sales, and a loss amount incurred by the affiliated store when a consumer purchases with virtual currency from the PG company. It is configured to include a second merchant wallet 420 that stores the virtual currency paid as compensation for the amount (for example, if the merchant sells virtual currency at a 10% discount, the discount rate is 13%, which is 30% higher than the discount rate. is received as a compensation amount, so the affiliated store ultimately makes a 3% profit compared to selling with real currency).

The virtual currency stored in the first merchant wallet 410 can be converted into real currency at the market price at the time of payment from the PG company through the PG company server 200 within a predetermined period (e.g., 3 months). In this case, when paying virtual currency to purchase a product, the PG company receives from the consumer and pays real currency stored in the third PG company wallet (230). The virtual currency stored in the second merchant wallet (420) is sold and converted into real currency through the relay station server (300). If the period during which virtual currency stored in the first merchant wallet (410) can be converted into real currency through the PG company server (200) has expired, it must be sold through the relay station server (300) and converted into real currency. .

The affiliated store app 400 includes an affiliated store currency management department that stores the received virtual currency in the first or second affiliated store wallet, an affiliated store information management department that forms and manages affiliated store information including consumer information and sales performance, and a first A deposit date confirmation unit that confirms the deposit date of virtual currency deposited into the merchant wallet, a base date setting unit that sets the base date for cashing out virtual currency, and a deposit date confirmation unit that determines whether the deposit date exceeds the base date. It displays a date judgment unit that determines the date, and a real currency exchange that can be exchanged for real currency through a PG company if the deposit date does not exceed the standard date. If the deposit date does not exceed the standard date, it displays a real currency exchange that can be exchanged for real currency through a relay station. It may further include a real currency display unit that displays possible real currency transactions.

In this way, even if the affiliated store sells goods with virtual currency and does not convert the virtual currency paid from the PG company's first PG company wallet (210) into physical currency, the PG company converts it into physical currency at any time at the market price at the time of payment within a certain period of time. Since it is exchanged for cash, the affiliated store will not lose money even if the price of the virtual currency falls compared to the time of payment, and if the price of the virtual currency rises during the period, it can be cashed out at a higher price through a relay station after a certain period of time. In any case, the affiliated store has nothing to lose. In addition, by selling with virtual currency, even if a certain percentage of loss occurs compared to selling with real currency at the time of sale, compensation is made in excess of the loss percentage, so ultimately, the affiliated store does not suffer a loss under any circumstances and retains the virtual currency received as sales proceeds. If the price of virtual currency rises, the value of the virtual currency held also increases, so the affiliated store benefits in any case.

The system described above so far has described a system in which the headquarters directly recruits and manages franchises without having a separate branch to recruit franchises. However, as shown in Figure 4, a separate branch is established to recruit franchises and the headquarters recruits franchises. You can also operate a management system. Below, the system for operating the system with a branch will be described.

The branch app (600) is installed at the branch and receives real currency or virtual currency as an allowance from the PG company. The branch engages in sales activities to recruit franchisees, and the branch records the business (sales) performance of the franchises it has recruited. Depending on the amount, you will receive a certain percentage of allowance. The performance of affiliated stores recruited by the branch can be checked by connecting to the headquarters server (100) through the branch app (600). The branch app (600) can be any mobile phone that downloads a dedicated app.

The ratio of allowances received by a branch can include a basic ratio and an additional preferential ratio, and the ratio is determined through consultation between the head office and the branch. Allowances can be received in real currency from the 3rd PG company wallet (230) of the PG company server (200), or in virtual currency from the 1st or 2nd PG company wallet (210, 220), and can be received in real currency and virtual currency. You can also get them mixed. When paying an allowance from the 2nd PG company wallet 230, an allowance of a preferential rate is paid at a higher rate than the basic rate allowance paid from the 1st PG company wallet 210 (for example, the allowance is paid from the 1st PG company wallet 210). 3% when paying, and 3.3% when paying from the 2nd PG company wallet), and the rate is determined only through consultation between the head office and branch. As the number of franchisees recruited by the branch increases and the sales performance of the franchise increases, the allowance continues to increase.

The branch app 600 includes a first branch wallet 610 that stores virtual currency paid as an allowance according to the business (sales) performance of the affiliated store from the first or second PG company wallet 210, 220 of the PG company server. , It is composed of a second branch wallet (620) that stores real currency paid as an allowance according to the business (sales) performance of the branch from the third PG company wallet (230) of the PG company server, and a first branch wallet (610) ) The virtual currency stored in is sold and sold through the relay station server 300, exchanged at the market price, and converted into real currency. The allowance paid by the 1st PG company wallet (210) is paid at the basic rate in virtual currency, and the allowance paid by the 2nd PG company wallet (220) is paid at the preferential rate in virtual currency.

The above description is an illustrative description of the present invention, and the embodiments published in the specification are not intended to limit the technical idea of the present invention, but are for illustrative purposes, so those skilled in the art Various modifications and variations will be possible without departing from the technical idea of . Therefore, the scope of protection of the present invention should be interpreted based on the matters stated in the claims, and technical matters within the equivalent scope thereof should also be interpreted as being included in the scope of rights of the present invention.

100: Headquarters server
200: PG company server 210: 1st PG company wallet
220: 2nd PG company wallet 230: 3rd PG company wallet
300: Relay station server
400: Affiliate store app 410: 1st merchant wallet
420: Second merchant wallet
500: Mobile (Consumer)
600: Branch App 610: 1st Branch Wallet
620: 2nd branch wallet

Claims (7)

PG company server (200) that stores real currency and virtual currency provided by the head office and then pays out real currency and virtual currency;
The head office server (100), which pays the virtual currency held by the head office through the PG company server and manages the affiliated stores;
A relay station server (300) that relays the exchange of virtual currency to real currency;
An affiliated store app (400) that receives virtual currency equivalent to the real currency paid to the PG company when the consumer purchases a product and virtual currency received as compensation from the PG company;
It is composed including,
When a consumer purchases a product with virtual currency at an affiliated store, the consumer purchases it at a lower price, a certain percentage discount, compared to purchasing with real currency.
The virtual currency received by the affiliated store app as compensation from the PG company is an amount compensated by the PG company to the affiliated store at a certain percentage higher than the amount lost for the loss incurred by the affiliated store by selling it at a certain percentage discounted price. and
The affiliated store app 400 includes a first affiliated store wallet 410 that stores the virtual currency paid by the PG company as payment for product sales, and a second affiliated store that stores the virtual currency paid by the PG company as compensation for the loss amount. Consisting of a wallet 420,
The virtual currency stored in the first merchant wallet is converted into real currency at the market price at the time of payment from the PG company through the PG company server within a certain period, and the virtual currency stored in the first merchant wallet is exchanged through the PG company server. If the period for converting into real currency has expired, it is converted into real currency through the relay station server, and the virtual currency stored in the second affiliated store wallet is converted into real currency through the relay station server. A virtual currency distribution system.
The method of claim 1, wherein the PG company server (200),
1st PG Company Wallet (1st PG Wallet) stores virtual currency and pays virtual currency equivalent to real money received from consumers who want to purchase goods at an affiliated store to the consumer at the market price, and the consumer pays the received virtual currency directly to the affiliated store. 210);
The 2nd PG company wallet (2nd PG company wallet) compensates for the loss incurred by the affiliated store by storing virtual currency and selling it at a certain percentage discount price with an amount higher than the loss amount by a certain percentage and pays to the affiliated store in virtual currency at the market price. 220);
3rd PG company wallet (230) that stores and pays real currency;
A virtual currency distribution system comprising:
According to paragraph 2,
A virtual currency distribution system characterized by paying virtual currency directly to affiliated stores instead of paying virtual currency to consumers from the first PG company wallet (210) of the PG company server.
According to paragraph 2 or 3,
A virtual currency distribution system characterized in that the 1st PG company wallet and the 2nd PG company wallet of the PG company server are integrated and operated as a single virtual currency wallet that stores and pays virtual currency.
delete delete According to paragraph 1,
The distribution system further includes a branch app 600 that recruits affiliated stores, and the branch app 600 is a system that stores virtual currency paid from the PG company server as an allowance based on the sales performance of affiliated stores recruited by the branch. It consists of a first branch wallet (610) and a second branch wallet (620) that stores the real currency paid as an allowance according to the branch's sales performance from the PG company server,
A virtual currency distribution system characterized in that the virtual currency stored in the first branch wallet is converted into real currency through a relay station server.