KR20180113144A - Method for processing a payment based on blockchain and Apparatus thereof - Google Patents

Abstract

Provided is a payment processing method based on a block chain, capable of increasing user convenience. According to an embodiment of the present invention, the payment processing method based on a block is performed by a payment service providing server. The payment processing method comprises the steps of: receiving electronic wallet address request information of a payer including identification information of the payer from a terminal of a seller; obtaining electronic wallet address information of the payer through a block chain system by using the identification information in response to reception of the electronic wallet address request information; transferring the electronic wallet address information of the payer to the terminal of the seller; receiving payment request information including the obtained electronic wallet address of the payer from the terminal of the seller, and transferring the payment request information to a terminal of the payer; receiving payment information, in which the electronic signature of the payer is added to the payment request information, from the terminal of the payer; and processing a payment transaction according to the payment information through the block chain system in response to reception of the payment information.

Description

[0001] The present invention relates to a block chain-based payment processing method and apparatus,

The present invention relates to a block chain-based payment processing method and apparatus. More particularly, the present invention relates to a consolidation processing method capable of further improving user convenience in providing a settlement service based on electronic money issued through a block chain, and an apparatus performing the method.

A block chain is a data management technique in which continuously increasing data is recorded in blocks of a specific unit and each node constituting a peer-to-peer (P2P) network manages the blocks in a data structure of a chain type Or data itself constituted by a data structure of the chain type. At this time, the block chain data composed of the chain type data structure is operated in the distributed ledger form in each node without the central system.

Each block chain node constituting a block-chain network or a block-chain system manages blocks with a data structure as shown in Fig. Here, the hash value for the previous block is recorded in each block, and the previous block can be referred to through the hash value. Therefore, as the blocks are piled up, the forgery and falsification of the transaction data recorded in the block becomes difficult, and the reliability of the transaction data recorded in each block is improved.

The transaction requested to the block chain system is processed according to the procedure shown in Fig. 2, for example. Referring to FIG. 2, when a transaction processing request is received from the terminal, which is the payment of electronic money (①), validation of the transaction is performed to prevent duplicate payment (②) (③). Next, the block generating node writes the corresponding transaction data in a new block (4), and propagates the new block on the block-chain network so that a distributed agreement is made (5). When the transaction is finally determined according to the dispersion agreement, predetermined electronic money is transferred from the electronic purse of the payment provider to the electronic purse of the receiver (6).

The block chain system has the advantage of providing a secure transaction service between trading partners without a central management system through the above process. However, in the case of providing a payment service using the block-chain system, since a payer who has purchased a product or service becomes a subject and generates a transaction, a problem of deterioration of user's convenience may arise.

The above problem arises from the characteristics of the transaction being processed through the block chain. All transactions on the block chain are send-type transactions in which the payee pays the electronic money to the recipient. Accordingly, the settlement process using the block chain-based payment service is not a method of approving settlement, but a settlement process is performed by directly requesting a settlement transaction. 3, the payer inputs the electronic wallet address of the seller to the first GUI 11 of the electronic wallet application, inputs the payment amount to the second GUI 13, 3 < / RTI >

This is a method in which the convenience of the user is greatly reduced as compared with the conventional method in which the seller requests the settlement transaction and the payer performs payment approval only. Particularly, since the users who are familiar with the conventional method can give a feeling of rejection, the use range of the block chain-based payment service can be limited.

As a solution to the problem of lowering the convenience of the user, a method has been proposed in which the payer obtains the electronic purse address of the seller through the QR code scan. However, even if this method is used, the payer must directly perform a series of actions such as a QR code scan, a payment amount input, and a payment transaction request.

Korean Patent Publication No. 2016-0150278 (published Dec. 29, 2016)

SUMMARY OF THE INVENTION It is an object of the present invention to provide a payment processing method based on a block chain capable of improving user convenience and an apparatus or system for performing the method.

The technical objects of the present invention are not limited to the above-mentioned technical problems, and other technical subjects not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a block chain-based payment processing method performed by a payment service providing server, the method comprising: Acquiring electronic wallet address information of the payer through the block chain system using the identification information in response to receiving the electronic wallet address request information, The method comprising the steps of: transferring electronic settlement address information of the payer to the terminal of the seller; receiving settlement request information including an electronic wallet address of the obtained payer from the seller terminal; To the settlement requesting terminal from the settlement terminal, The response of the electronic signature is added As the payment receiving information and the payment information is received, it is possible to block chain through the system, comprising the step of the payment transactions in accordance with the payment information to be processed.

In one embodiment, the identification information may be obtained from the payor's terminal through one of NFC (near field communication) tag, Bluetooth, and beacon.

In one embodiment, the step of causing the payment transaction according to the payment information to be processed comprises the steps of: requesting processing of the payment transaction with the block chain system; in response to the request, Transferring the electronic money stored in the wallet to the electronic wallet of the seller, and the block chain system recording the payment transaction in block chain data managed by each block chain node included in the block chain system . ≪ / RTI >

In one embodiment, the block-chain system comprises a permission-based block-chain network in which an authorized block-chain node participates, and causing the payment transaction according to the payment information to be processed comprises: A second step of, in response to the request, the block chain system transferring the electronic money stored in the electronic wallet of the payer to the electronic wallet of the seller, the payment for the payment transaction A third step of notifying the terminal of the seller of the completion message and the fourth step of the block chain system recording the payment transaction in the block chain data managed by each block chain node included in the block chain system The first to fourth steps may be performed sequentially.

According to another aspect of the present invention, there is provided a payment service providing server including at least one processor, a network interface, a memory for loading a computer program executed by the processor, Wherein the computer program comprises: an operation for receiving an electronic wallet address request information of a payer including identification information of a payer from a seller's terminal; and a storage for storing, in response to receipt of the electronic wallet address request information, Acquiring an electronic wallet address of the payer through a block chain system, an operation of transferring the electronic wallet address of the obtained payer to the terminal of the seller, an operation of transferring, from the terminal of the seller, Settle payment request with address An operation for receiving the settlement request information from the terminal of the payer, the settlement request information including the payment information to which the electronic signature of the payer is attached, and the operation of the block chain system , And processing to cause the settlement transaction according to the settlement information to be processed.

According to another aspect of the present invention, there is provided a computer program for causing a computer to execute the steps of: receiving electronic wallet address request information of a payer including identification information of a payer from a seller terminal; Acquiring the electronic wallet address information of the payer via the block chain system using the identification information in response to the electronic wallet address request, transmitting the electronic wallet address information of the payer to the terminal of the seller, Receiving payment request information including an electronic wallet address of the obtained payer from the seller's terminal and delivering the payment request information to the payer's terminal, receiving, from the payer's terminal, A step of receiving payment information to which a digital signature of the user is added, As the response, can be stored in a recording medium so as to execute the step of payment so that the payment transaction according to the information processed by the block chain system.

According to the present invention, payment request information is generated at the seller terminal using the electronic wallet address of the payer delivered from the payment service providing server. Also, the payer who confirmed the payment request information through the payer terminal can perform payment for the purchase item by performing only the electronic signature without any other input. Accordingly, the secure settlement service can be provided through the block chain-based settlement service, and the convenience of the user can be greatly improved.

In addition, the seller terminal may provide the payer's identification information or provide the payer's electronic signature information to the payment service providing server, but the payer's direct input may not be required. For example, the identification information may be provided through NFC tags, Bluetooth, beacons, gesture recognition, etc., and the digital signature information may also be provided through gesture recognition. Accordingly, the convenience of the user using the block chain-based payment service can be further improved, and the service satisfaction can be enhanced.

In addition, through the push notification and the instant transaction processing including the deep link, the payment service can be processed at a high speed. Accordingly, the service satisfaction of users using the block chain-based payment service can be further improved.

The effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood to those of ordinary skill in the art from the following description.

1 is a diagram for explaining the structure of block-chain data that can be referred to in some embodiments of the present invention.
2 is a diagram for explaining a transaction process performed in a conventional block chain system.
3 is a diagram for explaining a conventional method of providing a block-chain-based payment service.
4 is a block diagram of a block chain-based payment processing system according to an embodiment of the present invention.
FIG. 5 is a block diagram illustrating a payment service providing server 100, which is a component of the block chain-based payment processing system shown in FIG.
FIG. 6 is a hardware configuration diagram of the settlement service providing server 100, which is a component of the block chain-based settlement processing system shown in FIG.
FIG. 7 is a block diagram illustrating a payer terminal 300, which is a component of the block-chain-based payment processing system shown in FIG.
8 is a flowchart illustrating a block chain-based payment processing method according to another embodiment of the present invention.
Figures 9 and 10 illustrate an exemplary user interface of a payer terminal that may be referred to in some embodiments of the present invention.
11 is a detailed flowchart of the billing information verification step (S120) shown in FIG.
FIG. 12 is a flowchart illustrating a process of processing a payment transaction in the block-chain system 200 according to an embodiment of the present invention.
13 is a diagram for explaining an instant transaction processing method that can be performed in the block-chain system 200 according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise. The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification.

It is noted that the terms "comprises" and / or "comprising" used in the specification are intended to be inclusive in a manner similar to the components, steps, operations, and / Or additions.

Prior to the description of the present specification, some terms used in this specification will be clarified.

In this specification, block chain data refers to data held by each block chain node constituting a block-chain network, and at least one block is constituted by a chain-type data structure. If the data recorded in each block is transaction data, the block-chain data can be used as a distributed general ledger. However, the type of data recorded in each block may vary. The structure of the block chain data will be described with reference to FIG.

In this specification, a block-chain network means a network of a P2P structure composed of a plurality of block-chain nodes operating according to a block-chain algorithm.

In the present specification, a block chain node means a subject that constitutes a block-chain network and maintains and manages the block-chain data based on the block-chain algorithm. The block-chain node may be implemented as a single computing device, but may also be implemented as a virtual machine or the like. When implemented in a virtual machine, there may be multiple block-chain nodes in a single computing device.

In this specification, a block generating node means a node that generates a new block through mining among block chain nodes constituting a block-chain network.

In the present specification, virtual money means electronic money that is traded in cyberspace in a broad sense. The virtual currency of the negotiation means, for example, electronic money issued through mining on a block chain such as a bit coin, and can be used in combination with terms such as a native asset in the related art.

In this specification, a user-defined currency means a currency defined by a user based on the virtual currency. For example, the user defined currency may be money defined by the operator of the transaction service using an open asset protocol. For reference, the term "money" in the virtual currency and / or the user-defined currency may be used in a generic sense including not only money as an exchange means but also assets to be traded. For example, the user-defined currency may include point-type currencies such as points and mileage, financial assets such as stocks, bonds, etc. in addition to real money. The user defined currency may be used interchangeably with the term " custom asset " in the art.

In this specification, the open asset protocol refers to an asset issuing technology that issues user-defined currencies based on virtual currency on a block chain. The open-asset protocol may be used interchangeably with terms such as colored coin in the art.

In this specification, permission can be understood as a comprehensive concept including authentication and authorization.

Hereinafter, some embodiments of the present invention will be described in detail with reference to the accompanying drawings.

4 is a block diagram of a block chain-based payment processing system according to an embodiment of the present invention.

The block chain-based payment processing system is a system for providing a payment service based on electronic money issued on a block chain. Here, the electronic money may include a virtual currency issued according to a block-chain algorithm or a user-defined currency defined based on the virtual currency. Hereinafter, the configuration and operation of a block chain-based payment processing system according to an embodiment of the present invention will be described with reference to FIG.

4, the block chain-based payment processing system may include a payment service providing server 100, a block chain system 200, a payer terminal 300, and a seller terminal 400. However, it should be understood that the present invention is not limited to the above-described embodiments, and that various changes and modifications may be made without departing from the scope of the present invention. In addition, each component of the block-chain-based payment processing system shown in FIG. 4 represents functional elements that are functionally separated. It is noted that at least one component may be implemented as being integrated with each other in an actual physical environment do. For example, the settlement service providing server 100 may be one block chain node constituting the block chain system 200. Hereinafter, each component of the block chain-based payment processing system will be described.

In the block chain-based payment processing system, the payment service providing server 100 is a computing device that provides a block chain-based payment service. Here, the computing device may be a notebook computer, a desktop computer, a laptop computer, or the like. However, the computing device may include all kinds of devices including computing means and communication means.

The payment service providing server 100 controls the payment transaction to be processed through the block chain system 200 in response to a processing request of the payment transaction.

According to the embodiment of the present invention, the settlement service providing server 100 obtains the electronic wallet address of the payer through the block chain system 200 and delivers the acquired electronic wallet address to the seller terminal 400. That is, the settlement service providing server 100 provides the seller terminal 400 with the electronic wallet address of the payer, which is one of the essential information of the settlement transaction. In this embodiment, the seller terminal 400 stores the essential information of the settlement transaction (1) the electronic wallet address of the payer, (2) the electronic wallet address of the seller, and ③ payment amount). Accordingly, the seller terminal 400 can transmit the payment request information including the essential information to the payer terminal 300 and request payment, thereby becoming the trigger point of the payment transaction. According to the present embodiment, a payer can receive a payment service based on a block chain by performing payment approval only without directly inputting payment information. Thus, user convenience can be greatly improved. A more detailed description of this embodiment will be given later with reference to Figs. 8 to 11. Fig.

In the block chain-based payment processing system, the block chain system 200 is a system for processing various transactions based on a block chain. Specifically, the block-chain system 200 includes a block-chain network composed of a plurality of block-chain nodes, and each block-chain node constituting the block-chain network generates, generates, And the like. Each block chain node maintains the same block chain data and can process a payment transaction at the request of the payment service providing server 100. [ Refer to FIG. 12 for a detailed description of how the block chain system 200 processes the settlement transaction.

According to an embodiment of the present invention, a block-chained network composed of a plurality of block-chain nodes may be a permission-based block-chaining network. That is, the block-chain network may be a network composed only of authorized block-chain nodes. Here, the permission-based block chain network may be used in common with the private blockchain network and the like, but may have the same meaning. According to the present embodiment, since participation of unspecified nodes is excluded, excessive job authentication required for block generation does not need to be required, and a more secure settlement service can be provided.

In this embodiment, permission verification may be performed for each of a user area, a block chain node area, and a block generation node area of a block-chain application to configure a block-chain network based on permissions. Hereinafter, the permission verification method performed in each area will be briefly described.

In the case of the user area of the block-chain application, authentication and / or authorization management for the service user may be performed. For example, access control may be performed through an access control list (ACL) at an API level, or permission verification may be performed for a corresponding user using a digital signature of a user used in a transaction request.

In the case of the block chain node area, the permission verification is performed using the permission information (eg, the permission information recorded in the configuration file) pre-stored in each block chain node at the time when each block chain node starts to participate in the block chain network . Here, the permission information may be information that is controlled or periodically updated by the central management apparatus according to the embodiment. Alternatively, the inter-node permission verification may be performed in a step where each block-chain node sets up P2P communication by another block-chain node. At this time, the cross-permission verification may be performed using permission information (e.g., a whitelist including permitted block-chain node information) stored on the block-chain data. If the permission information is stored on the block-chain data, it is possible to prevent the forgery and falsification of the permission information. The permission information may also be information set by the central management apparatus.

In the case of the block generating node region, permission verification of the new block may be performed. For example, each block chain node may be operated to add only new blocks generated by the verified block generation node to the block chain data. At this time, the verification of the permission may be performed in the same manner as the verification method of the block-chain node region. In another example, a permission verification may be performed for a new block by operating each block generating node to write its digital signature in a new block, and another block-chain node verifying the digital signature recorded in the new block have.

Since the presence or absence of a line at a block generating node may greatly affect the reliability of the block chain system 200, a second permission, which is a permission verification criterion of the block generating node, is greater than a first permission, It can be set to a higher permission. That is, the block-chaining system 200 may be operated so that only a reliable node having a higher permission becomes a block generating node.

According to an embodiment of the present invention, as the block chain system 200 is configured as a permission-based block-chain network, the transaction can be acted upon immediately. That is, the block chain system 200 transfers the electronic money to the electronic wallet of the seller according to the settlement transaction before the settlement transaction is recorded in the new block based on the mutual trust, And to the seller terminal 400. < RTI ID = 0.0 > According to this embodiment, since the settlement transaction can be processed at a high speed, the satisfaction of the user using the settlement service can be enhanced. Hereinafter, a transaction that is immediately processed is called an "instant transaction ", and a detailed description of this embodiment will be given later with reference to FIG.

In the block chain-based payment processing system, the payer terminal 300 is a terminal used by a payer to receive a block-chain-based payment service. For example, the payer can pay for the items (e.g., goods, services, etc.) purchased from the seller by electronic money using the electronic wallet application installed in the payer terminal 300. [

According to the embodiment of the present invention, the payer terminal 300 may provide various functions to improve the convenience in the payment process. For example, the payer terminal 300 may provide a push notification including a deep link for various received requests. In another example, the payer terminal 300 may recognize the payer's gesture and operate to perform digital signature without direct user input. In addition, the payer terminal 300 may provide various functions for improving convenience, and the description thereof will be given later with reference to FIG. 8 to FIG.

In the block chain-based payment processing system, the seller terminal 400 is a terminal used by a seller to receive a block chain-based payment service.

According to the embodiment of the present invention, the seller terminal 400 can receive the electronic wallet address of the payer from the payment service providing server 100, and can generate payment request information and provide it to the payer terminal 300. In other words, the seller terminal 400 can be a trigger point of the settlement transaction, and thus the convenience of the payer can be improved. A detailed description of this embodiment will also be described later with reference to Fig.

In the block chain-based payment processing system, each component can communicate over a network. Here, the network may be any kind of wired / wireless network such as a local area network (LAN), a wide area network (WAN), a mobile radio communication network, a wibro Can be implemented.

The block chain-based payment processing system according to an embodiment of the present invention has been described with reference to FIG. Next, each component constituting the block chain-based payment processing system will be described with reference to FIG. 5 to FIG.

5 is a block diagram illustrating a payment service providing server 100, which is a component of the block chain-based payment processing system.

5, the settlement service providing server 100 may include a service request processing unit 110, an authentication processing unit 130, a communication unit 150, and a control unit 170. 5, only the components related to the embodiment of the present invention are shown. Accordingly, those skilled in the art will recognize that other general-purpose components other than those shown in FIG. 5 may be further included. It should be noted that each component of the settlement service providing server shown in FIG. 5 represents functional elements that are functionally separated, and that at least one component may be integrated in a physical environment.

Referring to the respective components, the service request processing unit 110 receives various requests between the payer terminal 300 and / or the seller terminal 400 and provides a result according to the request. For example, the service request processing unit 110 causes the payment transaction to be processed through the block chain system 200 in response to a processing request of a payment transaction. The service request processing unit 110 will be described in detail with reference to FIG.

The authentication processing unit 130 performs all functions related to authentication of a user using a payment service. For example, the authentication processing unit 130 may perform an authentication function for a service user so that only a member of a payment service can receive a payment service based on a block chain.

The communication unit 150 performs data communication with other components of the block-chain-based payment system. The communication unit 150 may include a wired Internet module, a mobile communication module, or a wireless communication module for transmitting / receiving data to / from the computing device.

The control unit 170 controls the overall operation of each component of the settlement service providing server 100. The control unit 170 may be configured to include a CPU (Central Processing Unit), an MPU (Micro Processor Unit), an MCU (Micro Controller Unit), or any type of processor well known in the art. In addition, the controller 170 may perform operations on at least one application or program for executing the method according to the embodiments of the present invention described above.

Each component of FIG. 5 may refer to software or hardware such as an FPGA (Field Programmable Gate Array) or an ASIC (Application-Specific Integrated Circuit). However, the components are not limited to software or hardware, and may be configured to be addressable storage media, and configured to execute one or more processors. The functions provided in the components may be implemented by a more detailed component, or may be implemented by a single component that performs a specific function by combining a plurality of components.

Next, Fig. 6 is a hardware configuration diagram of the settlement service providing server 100. As shown in Fig.

6, the payment service providing server 100 includes at least one processor 101, a bus 105, a network interface 107, a memory (not shown) for loading a computer program executed by the processor 101 103), and a storage 109 for storing the block-chain-based payment software 109a. However, only the components related to the embodiment of the present invention are shown in Fig. Therefore, it will be understood by those skilled in the art that other general-purpose components other than those shown in FIG. 6 may be further included.

The processor 101 controls the overall operation of each configuration of the settlement service providing server 100. [ The processor 101 includes a central processing unit (CPU), a microprocessor unit (MPU), a microcontroller unit (MCU), a graphics processing unit (GPU), or any type of processor well known in the art . The processor 101 may also perform operations on at least one application or program to perform the method according to embodiments of the present invention. The settlement service providing server 100 may include one or more processors.

The memory 103 stores various data, commands and / or information. The memory 103 may load one or more programs 109a from the storage 109 to execute a block chain based payment processing method according to embodiments of the present invention. RAM is shown as an example of the memory 103 in Fig.

The bus 105 provides a communication function between the components of the settlement service providing server 100. The bus 105 may be implemented as various types of buses such as an address bus, a data bus, and a control bus.

The network interface 107 supports wired / wireless Internet communication of the payment service providing server 100. In addition, the network interface 107 may support various communication methods other than Internet communication. To this end, the network interface 107 may comprise a communication module well known in the art.

The storage 109 may non-temporarily store the one or more programs 109a. In FIG. 6, block chain-based payment processing software 109a is illustrated as an example of the one or more programs 109a.

The storage 109 may be a nonvolatile memory such as ROM (Read Only Memory), EPROM (Erasable Programmable ROM), EEPROM (Electrically Erasable Programmable ROM), flash memory, etc., hard disk, removable disk, And any form of computer-readable recording medium known in the art.

The block chain-based payment processing software 109a may execute the block chain-based payment processing method according to an embodiment of the present invention.

Specifically, the block-chain-based payment processing software 109a is loaded into the memory 103 and, in response to receipt of the payer's identification information from the seller terminal 400 by the one or more processors 101, An operation for transferring the electronic wallet address of the payer to the seller terminal 400 through the block chain system using the block chain system, an operation for transferring the electronic wallet address of the payer to the seller terminal 400, And generates payment information to be processed through the block chain system 200 based on the payment request information, wherein the payment request information includes an electronic wallet address of the seller, an electronic wallet address of the payer, and a payment amount , An operation and an offer for processing a settlement transaction according to the settlement information through the block chain system (200) You can run the calibration.

Up to now, the configuration and operation of the settlement service providing server 100 according to the embodiment of the present invention have been described with reference to FIG. 5 and FIG. Next, the configuration and operation of the payer terminal 300 will be described with reference to Fig.

7, the payer terminal 300 may include an authentication processing unit 310, an electronic purse 320, a recognition unit 330, a communication unit 340, a display unit 350, and a control unit 360 . However, only the components related to the embodiment of the present invention are shown in Fig. Accordingly, it is to be understood by those skilled in the art that other general-purpose components other than the components shown in FIG. 7 may be further included. In addition, each of the components of the settlement service providing server shown in FIG. 7 represents functionally functioning functional elements, and it is noted that at least one component may be integrated in a physical environment.

Referring to the respective components, the authentication processing unit 310 provides various authentication functions required to perform a user-defined currency transaction. For example, when requesting a transaction service, the authentication processing unit 310 processes the input digital signature of the user in cooperation with the settlement service providing server 100. [ Alternatively, various authentication for the payer can be performed.

The electronic wallet 320 stores user-defined money and / or virtual currency owned by the payer and works in conjunction with the block chain system 200 and / or the payment service providing server 100 to provide a block chain-based payment service to the user Is a block-chain application.

The recognition unit 330 recognizes the gesture of the payer based on the signal of the sensor mounted on the payer terminal 300. [ For example, the control unit 360 may control the digital signature to be performed or allow the identification information to be transmitted when the recognition unit 330 receives a specific gesture. This will be described later with reference to Fig.

In addition, the recognition unit 330 may recognize a bar code and / or a QR code.

The communication unit 340 performs data communication with other components of the block-chain-based payment system. To this end, the communication unit 340 may include a wired Internet module, a mobile communication module, or a wireless communication module for transmitting / receiving data to / from the computing device.

The display unit 350 displays a transaction progress status, a barcode or a QR code used for settlement, and the like. To this end, the display unit 370 may be configured to include an output device such as a monitor, a touch screen, or the like.

The control unit 360 controls the overall operation of each component of the payer terminal 300. The control unit 360 may be configured to include a CPU (Central Processing Unit), an MPU (Micro Processor Unit), an MCU (Micro Controller Unit), or any type of processor well known in the art. In addition, the controller 360 may perform operations on at least one application or program for executing the method according to the embodiments of the present invention described above.

Although not shown in FIG. 7, the payer terminal 300 may further include an input unit (not shown) and a storage unit (not shown).

An input unit (not shown) receives various types of input from a payer to perform a payment service. To this end, the input unit (not shown) may be configured to include an input device such as a keyboard, a mouse, or a touch screen.

The storage unit (not shown) may temporarily store one or more computer programs that perform various operations of the payer terminal 300. The storage unit (not shown) may be a nonvolatile memory such as a ROM (Read Only Memory), a PROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), a flash memory, a hard disk, a removable disk, And any type of computer-readable recording medium well known in the art.

For reference, the seller terminal 400 may also be implemented in a similar configuration to the payer terminal 300. However, some components may be added or removed as needed.

Each component in FIG. 7 may refer to software or hardware such as an FPGA (Field Programmable Gate Array) or an ASIC (Application-Specific Integrated Circuit). However, the components are not limited to software or hardware, and may be configured to be addressable storage media, and configured to execute one or more processors. The functions provided in the components may be implemented by a more detailed component, or may be implemented by a single component that performs a specific function by combining a plurality of components.

Up to now, the payer terminal 300, which is a component of the block chain-based payment processing system, has been described with reference to Fig. Next, a block chain-based payment processing method according to an embodiment of the present invention will be described in detail with reference to FIGS. 8 to 12. FIG.

Hereinafter, each step of the block chain-based payment processing method according to the embodiment of the present invention may be performed by the computing device. For example, the computing device may be a payment service provision server 100 or other component of a block-chain-based payment processing system according to an embodiment of the present invention. However, for ease of explanation, the operation subject of each step included in the block chain-based payment processing method may be omitted. Each step of the block chain-based payment processing method may be performed by the payment service providing server 100 by executing the block chain-based payment processing software 109a by the processor 101. [

8 is a flowchart of a block chain-based payment processing method. However, it should be understood that the present invention is not limited thereto and that some steps may be added or deleted as needed.

8, the seller terminal 400 requests the payer's terminal 300 to identify the payer's payer (S10). In response to the request for the identification information, the payer terminal 300 transmits the payer's identification information to the seller terminal 400 (S20). The identification information is information used to obtain the electronic wallet address of the payer via the block chain system 200. The identification information includes, for example, a mobile phone number, the ID of the block chain system 200, a name, ), But the present invention is not limited thereto. That is, according to the embodiment, the identification information can be defined as much as possible.

In one embodiment, a push notification may be provided to the payer terminal 300 along with the request for the identification information. The push notification may also include a deep link to a particular page associated with the request for identification information. For example, the deep link may be a deep link of a page displaying information related to the identification information request in the electronic wallet application installed in the payer terminal 300 or a deep link of a page including identification information providing function . The information related to the identification information request may be, for example, seller-related information such as a store name, a purchase item, a purchase amount, and the like, but is not limited thereto. According to the present embodiment, the payer can confirm the request for identification information through the push notification displayed on the payer terminal 300, and can quickly provide the identification information on the page linked through the deep link, have.

In one embodiment, the payer terminal 300 may provide identification information to the seller terminal 400 in the form of a near field communication (NFC) tag, bluetooth, or beacon. For example, if the identification information request is confirmed through the push notification, the identification information of the payer is automatically provided to the seller terminal 400 through the NFC tag operation of the payer, the Bluetooth communication, or the beacon device installed in the store, . Accordingly, the convenience of the user who uses the payment service can be further improved.

In one embodiment, the payer terminal 300 recognizes a payer's gesture (hereinafter referred to as "first gesture") and provides identification information to the seller terminal 400 in response to the recognition of the first gesture can do. The manner in which the identification information is provided to the seller terminal 400 may be a D2D (device-to-device) communication such as Bluetooth, but any method may be used. Here, the first gesture may be a predetermined gesture by a payer, and may be set to any gesture. According to an embodiment of the present invention, in order to improve security, the payer terminal 300 periodically changes the first gesture to any one of a plurality of gestures registered by the payer and notifies the payer of the change .

Next, when the identification information of the payer is provided, the seller terminal 400 acquires the electronic wallet address of the payer through the payment service providing server 100 (S30, S40, S50). Specifically, when the seller terminal 400 transmits the identification information of the payer to the payment service providing server 100 and requests the electronic wallet address of the payer (S30), the payment service providing server 100 uses the identification information The electronic wallet address of the payer is obtained from the block chain system 200 in step S40 and the acquired electronic wallet address is transmitted to the seller terminal 400 in step S50.

In step S40, the settlement service providing server 100 may perform validity of the payer's electronic wallet address through the block chain system 200. [ For example, validity verification can be performed such as whether an address of the payer of the payer exists, whether the address is valid, whether the amount of electronic money is sufficient, or the like.

When the process up to step S50 is performed, the seller terminal 400 can collect all necessary information necessary for generating a payment transaction. Specifically, since the payment amount for the purchase item and the electronic wallet address of the seller are already known by the seller, when the electronic wallet address of the payer is obtained through step S50, all the essential information of the payment transaction is collected .

Then, the seller terminal 400 generates payment request information (hereinafter referred to as "first payment request information") including the remaining essential information (S60), and transmits the first payment request information to the payment service providing server (S70).

In response to receiving the first payment request information, the payment service providing server 100 generates formatted payment request information (hereinafter referred to as "second payment request information") and transmits the formatted payment request information to the payer terminal 300 (S80, S90). Here, the second payment request information may be formatted based on the first payment request information so that it can be processed by the block chain system 200 or can be read by an electronic wallet application mounted on the payer terminal 300 Quot; information "

In one embodiment, a push notification including a deep link to a specific page of the electronic wallet application loaded on the payer's terminal 300 may be provided along with the second payment request information. For example, as shown in FIG. 9, a push notification 351 for a payment request may be provided to the payer terminal 300. Here, the specific page may be a page displaying the second payment request information in the electronic wallet application or a page receiving an electronic signature of the payment request information. For example, as shown in FIG. 10, a first GUI 353 indicating settlement request information such as a purchase item, a payment amount, and an electronic wallet address of a seller is displayed on the specific page, and a first GUI 353 And a second GUI 355 related to the payment approval request. According to the present embodiment, settlement approval can be performed quickly through the deep link, so that user convenience can be further improved.

Referring back to FIG. 8, the payer terminal 300 receives the electronic signature of the payment request information from the payer (S100).

In one embodiment, when the payer terminal 300 recognizes a payer's gesture (hereinafter referred to as a "second gesture "), the payer's terminal can automatically operate to execute the payer's electronic signature. The second gesture may be a predetermined gesture such that the electronic signature of the payer is triggered. According to an embodiment, the second gesture may be set as a gesture different from the first gesture in order to improve security. Also, the second gesture may be periodically changed to any one of the predetermined gestures, and the change may be notified to the payer.

Next, the payer terminal 300 transmits the payment information to which the electronic signature is added to the second payment request information to the payment service providing server 100. [ In response to the payment information being received, the payment service providing server 100 verifies the validity of the payment information (S120) and, if valid, causes the block chain system 200 to process the payment transaction corresponding to the payment information (S130 ).

Specifically, in step S120, the validity verification may be performed by comparing the second settlement request information with the settlement information. For example, as shown in FIG. 11, verification may be performed as to whether the electronic purse address of the payer, the electronic purse address of the seller, the payment amount, etc. are identical (S121, S123). In addition, the settlement processing may be requested to the block chain system 200 only when both pieces of information match each other (S123, S130). In this way, it can be ensured that the payment amount requested by the seller terminal 400 is correctly processed through the payment transaction.

On the other hand, the processing of the payment transaction performed by the block chain system 200 is performed according to the steps shown in Fig.

Referring to FIG. 12, the block-chain system 200 first validates the settlement transaction (S210). This can be understood, for example, as a step corresponding to UTXO (unspent transaction output) verification performed in the bit coin system.

If the payment transaction is valid, the block chain system 200 transfers the electronic money stored in the electronic wallet of the payer to the electronic wallet of the seller (S230), records the payment transaction in the new block (S240) To the block chain network, thereby completing the processing of the payment transaction.

Up to now, a block chain-based payment processing method according to an embodiment of the present invention has been described with reference to FIGS. According to the above-described method, the payer who confirmed the payment request information through the payer terminal 300 can perform payment for the purchase item by performing only the electronic signature without any other input. Accordingly, the secure settlement service can be provided through the block chain-based settlement service, and the convenience of the user can be greatly improved.

Next, an instant transaction processing method according to an embodiment of the present invention will be described with reference to FIG.

As described above, the block-chaining system 200 may be configured as a permission-based block-chaining network. In the case where a block-chain network is established based on permissions, only an authorized block-chain node and an authorized service user will request processing of the settlement transaction, so that an instant transaction can be processed based on such trust. Hereinafter, the process of processing an instant transaction will be described in detail with reference to FIG. For reference, the settlement service providing server 100 is not shown in FIG. 13 for convenience of explanation, but it can be understood that the step before the request step S310 of the settlement transaction is performed according to the flowchart shown in FIG. 8 .

Referring to FIG. 13, when the block chain system 200 receives a processing request of a payment transaction (S310), it validates the payment transaction in response to the processing request (S320). The verification of the validity may be performed, for example, by a payer's permission verification, an electronic money stock amount verification, and the like. If the settlement transaction is valid, the electronic money is transferred to the electronic wallet of the seller according to the settlement transaction, and a process completion notification of the settlement transaction can be provided to the seller terminal 400 (S330). That is, before the settlement transaction is recorded and committed to the new block, the block chain system 200 may immediately process the settlement transaction.

According to the embodiment, a payment transaction completion message is notified to the payer terminal 300 and / or the seller terminal 400 based on the reliability of the permission-based block chain network even before the validity of the payment transaction is verified It is possible. For example, if the payer's permission satisfies a predetermined condition (e.g., a user having a high permission), the payment transaction requested by the payer can be implemented so that it is immediately processed even before the validation is performed.

For reference, a payment transaction determined to be valid as a result of the verification may be recorded in a temporary pool. The temporary pool can be understood as a place temporarily stored before the settlement transaction is written to the new block. This will not be described further, as it is obvious to those skilled in the art. It should be noted that the following steps S340 to S370 are omitted in order to exclude redundant description.

Up to now, an instant transaction processing method according to an embodiment of the present invention has been described with reference to FIG. According to the above-described instant transaction processing method, the settlement transaction can be processed even before the settlement transaction is written to a specific block on the block chain data. Accordingly, the response speed of the transaction processing can be greatly improved, and the service satisfaction of the user of the block chain-based payment service can be enhanced.

The concepts of the invention described above with reference to Figures 4 to 13 can be implemented in computer readable code on a computer readable medium. The computer readable recording medium may be, for example, a removable recording medium (CD, DVD, Blu-ray disk, USB storage device, removable hard disk) . The computer program recorded on the computer-readable recording medium may be transmitted to another computing device via a network such as the Internet and installed in the other computing device, thereby being used in the other computing device.

Although the operations are shown in the specific order in the figures, it should be understood that the operations need not necessarily be performed in the particular order shown or in a sequential order, or that all of the illustrated operations must be performed to achieve the desired result. In certain situations, multitasking and parallel processing may be advantageous. Moreover, the separation of the various configurations in the above-described embodiments should not be understood as such a separation being necessary, and the described program components and systems may generally be integrated together into a single software product or packaged into multiple software products .

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, I can understand that. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

Claims (11)

A payment processing method based on a block chain performed by a payment service providing server,
Receiving electronic wallet address request information of a payer including identification information of a payer from a seller terminal;
Obtaining electronic wallet address information of the payer via the block chain system using the identification information in response to the electronic wallet address request information;
Transferring the electronic wallet address information of the obtained payer to the terminal of the seller;
Receiving settlement request information including an electronic wallet address of the obtained payer from the seller's terminal and delivering the settlement request information to the payer's terminal;
Receiving payment information to which the electronic signature of the payer is added to the payment request information from the payer's terminal; And
And causing the payment transaction according to the payment information to be processed through the block chain system in response to receiving the payment information.
Block Chain Based Payment Processing Method. The method according to claim 1,
The payment request information includes:
And an electronic wallet address and a payment amount of the seller.
Block Chain Based Payment Processing Method. The method according to claim 1,
Further comprising determining whether the payment request information matches the payment information,
The step of causing the payment transaction to be processed further comprises:
And causing the settlement transaction to be processed only when it is determined that the settlement request information and the settlement information match as a result of the determination.
Block Chain Based Payment Processing Method. The method according to claim 1,
The step of delivering the settlement request information to the settlement terminal includes:
Providing a push notification including a deep link to a specific page of an electronic wallet application installed in the terminal of the payer, together with the payment request information,
The specific page includes:
Wherein the payment request information is a page for displaying the payment request information or a page for receiving an electronic signature for the payment request information.
Block Chain Based Payment Processing Method. The method according to claim 1,
Wherein,
And is obtained from the terminal of the payer via any one of a near field communication (NFC) tag, a bluetooth, and a beacon.
Block Chain Based Payment Processing Method. The method according to claim 1,
Wherein,
In response to the payer's terminal recognizing a first gesture of the payer, information automatically provided from the payer's terminal to the seller's terminal,
The electronic signature includes:
In response to recognition of the second gesture of the payer by the payer's terminal, is automatically added by the payer's terminal,
The first gesture and the second gesture,
Characterized in that it is a different gesture.
Block Chain Based Payment Processing Method. The method according to claim 1,
Wherein the step of causing the payment transaction according to the payment information to be processed comprises:
Requesting processing of the payment transaction with the block-chain system;
In response to the request, transferring the electronic money stored in the electronic purse of the payer to the electronic purse of the seller; And
Wherein the block chain system comprises the step of recording the payment transaction in block chain data managed by each block chain node included in the block chain system.
Block Chain Based Payment Processing Method. 8. The method of claim 7,
The electronic money includes:
Characterized in that it is a user defined currency defined by an open asset protocol.
Block Chain Based Payment Processing Method. The method according to claim 1,
The block chain system comprises:
Based block-chain network in which an authorized block-chain node participates,
Wherein the step of causing the payment transaction according to the payment information to be processed comprises:
A first step of requesting the block chain system to process the settlement transaction;
A second step of, in response to the request, transferring the electronic money stored in the electronic purse of the payer to the electronic purse of the seller, in the block chain system;
A third step of informing the terminal of the seller of a payment completion message for the settlement transaction; And
And a fourth step of the block chain system to write the payment transaction into block chain data managed by each block chain node included in the block chain system,
Wherein the first step to the fourth step are performed sequentially.
Block Chain Based Payment Processing Method. 10. The method of claim 9,
Wherein the block chain system further comprises validating the payment transaction,
Wherein the second step to the fourth step includes:
Only when the payment transaction is valid. ≪ RTI ID = 0.0 >
Block Chain Based Payment Processing Method. One or more processors;
Network interface;
A memory for loading a computer program executed by the processor; And
And a storage for storing the computer program,
The computer program comprising:
An operation for receiving electronic wallet address request information of a payer including identification information of a payer from a seller terminal;
In response to receiving the electronic wallet address request information, obtaining an electronic wallet address of the payer via the block chain system using the identification information;
Transferring the electronic wallet address of the obtained payer to the terminal of the seller;
An operation of receiving settlement request information including an electronic wallet address of the obtained payer from the seller's terminal and delivering the settlement request information to the settlement terminal;
An operation of receiving, from a terminal of the payer, payment information to which the electronic signature of the payer is added to the payment request information; And
And processing, via the block-chain system, a settlement transaction according to the payment information to be processed.
Payment service provision server.

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