KR20190043980A - Method for providing payment service with encryption currency using real-time exchange rate between encryption and local currency - Google Patents

Abstract

Provided is a method for providing a crytocurrency payment service using a real-time inquiry of a crytocurrency exchange rate, which comprises the steps of: receiving a crytocurrency payment request by a payment server from an affiliated store terminal when a payment request using a crytocurrency with respect to the affiliated store terminal is received from a consumer terminal, and receiving an exchange rate request for converting the crytocurrency into a local currency from the payment server; inquiring the exchange rate for converting a value of the crytocurrency into the local currency by at least one crytocurrency exchange server on the basis of the received exchange rate request; transmitting an identification code including a payment amount converted in accordance with the exchange rate on the basis of a result value of the inquiry, a unique code for identifying the exchange rate, and an address to be remitted with the payment amount, to the payment server; transmitting a QR code and the payment amount to the affiliated store terminal from the payment server, and receiving confirmation for deposit from the crytocurrency exchange server which receives a payment when the payment is settled by the consumer terminal with remittance address included in the QR code; transmitting the confirmation for deposit to the payment server through the unique code when the deposit is confirmed; and confirming the payment by the affiliated store terminal through the payment server, and calculating a commission from the payment server when an article paid by the consumer terminal is completely delivered to a consumer.

Description

FIELD OF THE INVENTION The present invention relates to a method and apparatus for providing an encrypted currency settlement service using a real-time encrypted currency exchange rate inquiry,

The present invention relates to a method of providing an encrypted currency settlement service using a real-time encrypted currency exchange rate inquiry. When a consumer makes a settlement with an encrypted currency at a merchant, the exchange currency is inquired between the encrypted currency and the local currency, Provide a way to make payments.

Since research on electronic money (bit coin, IC card type or network type electronic money, encryption money, etc.) domestically and externally has a direct effect on the real economy, Research on the problem is mainly performed. Bitcoin was introduced in 2009 and is still popular among domestic and foreign researchers because it is a popular electronic money. As a result of this situation, studies on the activation of the existing electronic money and electronic payment system are proceeding as another axis.

At this time, a method of paying with virtual money is performed by using an IC card. In this connection, in Korean Patent Laid-Open Publication No. 2017-0079155 (published on Jul. 10, 2017), a pair of a public key and a private key indicating the address and a password of a virtual currency are stored This makes it possible for the card settlement terminal to settle the virtual currency using the IC card. In the case where the settlement using the virtual currency is not normally performed, the card settlement using the IC card information is made possible, A method is disclosed.

However, even if the settlement is performed using virtual currency, it is impossible to know exactly how much the currency rate is applied in real time. Since the system is a system for settlement of the approximate amount, the exchangeability of virtual currency is deteriorated. If you do not pay all the prices settled by the fluctuation, you can pay more than the price, and if the IC card is stored, the stability of the virtual money will be lowered further.

In an embodiment of the present invention, when a consumer wishes to purchase an article or service item using an encrypted currency through an online or offline merchant, the user may request a settlement of the encrypted currency, provide a valid exchange rate for a predetermined period of time, It informs the payment amount of the encrypted currency according to the exchange rate. It moves the QR code to the wallet (account) to transfer the payment amount, and confirms the payment processing according to the payment at the merchant to provide the goods to the consumer or perform the delivery procedure The transaction is made possible without damaging both the consumer and the merchant, and the remittance and settlement are performed to the encrypted currency exchange providing the most advantageous exchange rate through the exchange rate inquiry, To maximize profits, consumers and merchants It is possible to provide a method of providing an encrypted money settlement service using a real-time encrypted currency exchange rate inquiry, in which all the encrypted currency can be traded with ease. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

As a technical means for accomplishing the above technical object, an embodiment of the present invention is a method for receiving an encrypted money settlement request from a merchant terminal to a payment server Receiving a exchange rate request from the payment server to convert the encrypted currency to local currency, querying at least one encrypted currency exchange server based on the received exchange rate request the exchange rate at which the value of the encrypted currency is converted into local currency, , Transmitting to the payment server an identification code including a payment amount converted based on the exchange rate based on the result of the inquiry, a unique code for identifying the exchange rate, and an address to which the payment amount is to be transferred, The customer terminal transmits the amount to the merchant terminal, and the consumer terminal transmits the payment to the remittance address included in the QR code A step of receiving a deposit confirmation from the encrypted money exchange server having received the payment, a step of transmitting the payment confirmation to the payment server via the unique code when the payment confirmation is made, and a payment confirmation from the merchant terminal through the payment server And a step of receiving the payment from the payment server when the goods settled at the consumer terminal are delivered to the consumer.

According to any one of the above-mentioned objects of the present invention, when a consumer tries to purchase an article or service article using an encrypted currency through an online or offline merchant, Provide a valid exchange rate, inform the payment amount of the encrypted currency according to the exchange rate, move the QR code to the wallet (account) to transfer the payment amount, and confirm the payment processing according to the payment at the merchant, And the delivery procedure is performed, thereby enhancing the monetary value and reimbursement of the encrypted currency, allowing the transaction to occur without damaging both the consumer and the merchant, and transferring the money to the encrypted currency exchange providing the most favorable exchange rate through the exchange rate inquiry And by performing the settlement. Maximize, and you can rest assured both consumers and merchants, and the encrypted transaction currency.

FIG. 1 is a block diagram illustrating a system for providing an encrypted currency settlement service using real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention.
FIG. 2 is a block diagram for explaining the encrypted money payment service providing server shown in FIG. 1. Referring to FIG.
FIG. 3 is a diagram for explaining an outline and major processes of an encrypted money settlement service according to an embodiment of the present invention.
4 is a view for explaining an embodiment of inquiring exchange rate of an encrypted money settlement service according to an embodiment of the present invention.
FIG. 5 is a view for explaining an embodiment of performing settlement of an encrypted money settlement service according to an embodiment of the present invention.
FIG. 6 is a view for explaining an embodiment in which settlement of an encrypted money settlement service according to an embodiment of the present invention is performed.
7 is a flowchart illustrating a method of providing an encrypted currency settlement service using a real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as " including " an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

The terms " about ", " substantially ", etc. used to the extent that they are used throughout the specification are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to help prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) " or " step " does not mean " step for. &Quot;

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server.

In this specification, some of the operations or functions described in the mapping or matching with the terminal are used for mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification data of the terminal . ≪ / RTI >

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram illustrating a system for providing an encrypted currency settlement service using real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention. Referring to FIG. 1, a system 1 for providing an encrypted currency settlement service using a real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention includes a consumer terminal 100, an encrypted money settlement service providing server 300, (400), a payment server (500), and at least one encrypted currency exchange server (600). However, the system 1 for providing an encrypted currency settlement service using the real-time encrypted currency exchange rate inquiry shown in FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limited to FIG.

In the following, the word " at least one " is defined as a term that can refer to singular and plural. And, the term " at least one " may be used, but may be omitted and its meaning is as described above.

At this time, the respective components of FIG. 1 are generally connected through a network 200. 1, the consumer terminal 100 includes an encrypted money settlement service providing server 300, an affiliate shop terminal 400, at least one encrypted currency exchange server 600 ). The encrypted money settlement service providing server 300 is connected to the consumer terminal 100, the merchant terminal 400, the payment server 500 and the at least one encrypted currency exchange server 600 through the network 200 . The merchant terminal 400 may be connected to the consumer terminal 100, the encrypted money payment service providing server 300, the payment server 500 and the at least one encrypted currency exchange server 600 through the network 200 . The settlement server 500 may be connected to the encrypted money settlement service providing server 300, the merchant terminal 400 and the at least one encrypted currency exchange server 600 through the network 200. The at least one encrypted currency exchange server 600 may be connected to the encrypted money settlement service providing server 300, the merchant terminal 400 and the settlement server 500 through the network 200.

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. One example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, A 5th Generation Partnership Project (5GPP) network, a World Interoperability for Microwave Access (WIMAX) network, an Internet, a LAN (Local Area Network), a Wireless LAN (Local Area Network) But are not limited to, a Wide Area Network (PAN), a Personal Area Network (PAN), a Bluetooth network, an NFC network, a satellite broadcast network, an analog broadcast network, a DMB (Digital Multimedia Broadcasting)

The consumer terminal 100 may be a terminal of a consumer who wishes to make settlement using an encrypted currency through an online or offline merchant terminal 400. At this time, the type of the encryption currency may be various, and is not limited to a specific kind. The consumer terminal 100 may be a terminal that uses the converted payment amount and the remittance address according to the exchange rate outputted from the merchant terminal 400 when performing payment. In addition, the consumer terminal 100 remits the encrypted currency to the encrypted currency exchange server 600, receives the remittance result from the merchant terminal 400, and if the remittance is normally performed, The merchant may be the terminal of the consumer receiving the goods. The consumer terminal 100 may be a terminal of a verification object that verifies whether it is an actual user authentication and a dual transaction from the encrypted currency service providing server 300 in using the encrypted currency.

Here, the consumer terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, an IPTV, a notebook equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the consumer terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The consumer terminal 100 is a wireless communication device that is guaranteed to be portable and mobility, for example, as navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The encrypted money settlement service providing server 300 provides a web page, an app page, an application program, or the like for providing an encrypted money settlement service, or allows the consumer terminal 100 to settle a remittance and an encrypted currency using a unique code And the merchant terminal 400 may also provide an interface for purchasing an item of local currency in encrypted currency. At this time, when the request for inquiring the exchange rate of the encrypted currency to be paid by the consumer terminal 100 is received from the merchant terminal 400, the encrypted money settlement service providing server 300 transmits the encrypted currency settlement service to the at least one encrypted currency exchange server 600 A server that receives a remittance address, a unique code, and the like to the encrypted money exchange server 600 that inquires the exchange rate and provides the most favorable exchange rate. When the consumer terminal 100 receives the remittance address and the payment amount through the merchant terminal 400 and the consumer terminal 100 remits the encrypted money service providing server 300, And may be a server that receives the deposit confirmation from the exchange server 600. The encrypted cash settlement service providing server 300 may be a server for outputting a deposit confirmation from the merchant terminal 400 through the payment server 500 and the merchant terminal 400 when the payment confirmation is made. The encrypted cash settlement service providing server 300 may be a server for settlement of settlement and fee settlement from at least one encrypted cash exchange server 600 at a predetermined exchange rate when depositing and delivering the goods are completed.

At this time, the encrypted money settlement service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The merchant terminal 400 may be a terminal such as a POS that sells an article or a service article on-line or off-line and performs settlement thereof. When the consumer terminal 100 requests settlement with the encrypted currency, the merchant terminal 400 inquires the exchange rate of the encrypted currency, and accordingly, the merchant terminal 400 transmits the exchange rate from the consumer terminal 100 to the at least one encrypted currency exchange server 600 And may be a terminal that outputs the information to perform the remittance. When the payment confirmation is received from the payment server 500, the merchant terminal 400 may be a terminal for outputting the payment confirmation, delivering the goods directly to the customer, or performing the delivery procedure.

Here, the merchant terminal 400 may be implemented as a computer that can access a remote server or terminal through the network 200. Here, the computer may include, for example, an IPTV, a notebook equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the merchant terminal 400 may be implemented as a terminal capable of connecting to a remote server or terminal through the network 200. [ The merchant terminal 400 is a wireless communication device that is guaranteed to be portable and mobility, for example, as a navigation device, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

When the merchant terminal 400 requests the exchange terminal 400 to inquire and settle the exchange rate, the payment server 500 allows the encrypted money settlement service providing server 300 to inquire the exchange rate, and the at least one encrypted exchange server 600 When the inquired exchange rate and unique code are received, it may be a server that receives the inquired exchange rate and unique code from the encrypted money settlement service providing server 300 and performs delivery and settlement to the merchant terminal 500. The settlement server 500 may be a server that transmits the deposit confirmation to the merchant terminal 400 when the deposit confirmation is received from the encrypted money settlement service providing server 300.

Here, the payment server 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The at least one encrypted currency exchange server 600 may be a server that provides exchange rates that are the ratio of the encrypted currency to the local currency. At this time, at least one of the at least one encrypted currency exchange service server 600 is a server for transmitting a unique code to the encrypted money payment service providing server 300 when the exchange rate is inquired from the encrypted money payment service providing server 300 have. At least one encrypted currency exchange server 600 may be a server for settlement of the encrypted exchange settlement service providing server 300 when the money is transmitted from the consumer terminal 100.

Here, the at least one encrypted currency exchange server 600 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

FIG. 2 is a block diagram for explaining an encrypted money settlement service providing server shown in FIG. 1, FIG. 3 is a view for explaining an outline and main processes of an encrypted money settlement service according to an embodiment of the present invention, 4 is a diagram for explaining an embodiment of inquiring the exchange rate of the encrypted money settlement service according to the embodiment of the present invention, FIG. 5 is a flowchart illustrating a method of performing payment of the encrypted money settlement service according to an embodiment of the present invention FIG. 6 is a view for explaining an embodiment in which settlement of an encrypted money settlement service according to an embodiment of the present invention is performed.

In the international financial market, there is a move to expand purchases as encrypted currency, for example, bit coin, is recognized as an alternative safe asset of codes, but the majority of consumers in Korea are not even aware of the existence of bit coin. It is widely used in cyberspace, but it is expected to be used in the domestic market as well as being able to be exchanged with the home currency of each country as well as convenience for small payment. At this time, in order to use the encrypted currency, it is necessary to know how much the value of the encrypted currency is to be used when purchasing the article.

In other words, the value of the encryption currency can fluctuate continuously. For example, on May 21, the beat coin exchange rate was 4 million won per beat coin, and it was the highest ever in the coin exchange market created in Korea in 2013. The biggest impact on bit coin prices is the financial market instability. Bitcoin prices have skyrocketed when the market has become unstable due to the financial crisis, and when the first coin was released in January 2009, the price was only $ 10 per beatcore.

As a result, the currency value of 1-bit coin fluctuates from USD 10 to USD 3500, so that the current 1-bit coin is changed, and the original value of 1-bit coin is changed instantaneously. The price of the encrypted currency is rapidly fluctuating even during the day due to the speculative transaction. Therefore, the encrypted currency settlement service according to the embodiment of the present invention can be applied to the settlement of the encrypted currency And collects the exchange rate for the variable value of the encryption currency from multiple exchanges and receives the exchange from the exchange providing the most advantageous transaction (good exchange rate) The value of the encrypted currency at the time of purchase, By treatment with the complete, to allow for the purchase of the article.

The consumer terminal 100 and the merchant terminal 400 may be connected to the encryption money settlement service providing server 300 or the encryption money settlement service providing server 300 according to an embodiment of the present invention, The payment server 500, and the at least one encrypted currency exchange server 600 to the consumer terminal 100, the merchant terminal 400, the payment server 400, The server 500, the at least one encrypted currency exchange server 600, may install or open an encrypted currency payment service application, a program, an app page, a web page, and the like. Also, the service program may be executed in the consumer terminal 100, the merchant terminal 400, the payment server 500, and at least one encrypted currency exchange server 600 using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection of the network 200 is performed by the consumer terminal 100, the encrypted money settlement service providing server 300, the merchant terminal 400, the payment server 500 and at least one encrypted currency exchange server 600, Means creating a communication object at a communication contact for communication with a terminal connected to the terminal 200. The encrypted money settlement service providing server 300 can exchange data with each other through a communication object.

The receiving unit 310 receives an encrypted money settlement request from the merchant terminal 400 to the payment server 500 when the consumer terminal 100 receives a settlement request for encrypted cash for the merchant terminal 400 from the consumer terminal 100, From the payment server 500, a currency exchange request to convert the encrypted currency to local currency. For example, a consumer wants to receive 100,000 won dyeing and 150,000 won nutrition therapy. At this time, the consumer has a 1-bit coin and wants to use this bit coin. Assume now that a one bit coin is $ 200. At this time, the consumer does not know precisely how much the 1-bit coin is present, the exact value of the original currency, whether to pay more dyeing and nutritional therapies, At this time, the merchant terminal 400 transmits the payment for 250,000 won to the payment server 500, and the payment server 500 can request the current exchange rate and remittance account by transferring it to the receiving unit 310. Of course, the point that it is not necessary to use the consumer terminal 100 when paying off-line will be obvious even if it is not explained.

The inquiry unit 320 can inquire the exchange rate at which the value of the encrypted currency is converted into the local currency to the at least one encrypted currency exchange server 600 based on the received exchange rate request. At this time, the inquiry unit 320 may select an exchange offering a good condition to the customer (consumer) among the at least one encrypted money exchange server 600. For example, if you give $ 201 per 1-bit coin, you can search for this condition because it's $ 2 more than giving $ 199 per 1-bit coin. In addition, if the bit coin fluctuates in price by time zone, it is necessary to accurately inquire any price for a preset time (valid time) because the exchange rate may fluctuate during the day, and if the current time is 201 dollars , No one can guarantee the exchange rate after 1 hour or 3 hours.

Accordingly, when inquiring at least one encrypted currency exchange server 600 based on the received exchange rate request, the value of the encrypted currency is converted into the local currency, And requests the at least one encrypted exchange server 600 to inquire the exchange rate, selects the encryption exchange server 300 that provides the lowest exchange rate among the requested exchange rates, and transmits the exchange rate to the selected encrypted exchange server 300 . At this time, the lowest exchange rate can be defined as the highest dollar per encryption currency, the rate at which the dollar can be bought as the lowest currency. However, the present invention is not limited to the above-described definitions.

The transmitting unit 330 can transmit to the payment server 500 an identification code including a payment amount converted according to the exchange rate based on the result of inquiry, a unique code for identifying the exchange rate, and an address to which the payment amount will be transferred have. At this time, the address to be remitted may be the account of the exchange providing the exchange rate. At this time, the result value may include a unique code for identifying a valid exchange rate and a valid exchange rate for a predetermined time. At this time, the identification code may be a QR code or a bar code. However, the present invention is not limited to this, and any code that can be recognized by a smart terminal or a mobile terminal is possible.

The payment confirmation unit 340 transmits the QR code and the payment amount to the merchant terminal 400 at the payment server 500. When payment is made at the remittance address included in the QR code at the consumer terminal 100, And can receive the deposit confirmation from the received encryption currency exchange server 300.

The unique code transmitting unit 350 can transmit the deposit confirmation to the payment server 500 through the unique code when the payment confirmation is made.

The settlement unit 360 confirms payment at the merchant terminal 400 through the settlement server 500 and transmits a fee from the settlement server 500 to the consumer when the goods settled at the consumer terminal 100 are delivered to the consumer It can be settled.

The settlement unit 360 confirms payment at the merchant terminal 400 through the settlement server 500 and if the goods settled at the consumer terminal 100 are delivered to the consumer, The settlement confirmation is made at the merchant terminal 400 through the settlement server 500. When the goods settled at the consumer terminal 100 are delivered to the consumer, the encrypted money settlement service providing server 300 transmits the encrypted money The exchange server 300 can request the settlement at the pre-set exchange rate. In addition, when the settlement unit 360 receives the settlement amount from the encryption money settlement service providing server 300 according to the settlement request, the settlement unit 360 can settle the balance excluding the commission to the merchant terminal 400 and settle the settlement.

The settlement unit 360 confirms payment at the merchant terminal 400 through the settlement server 500 and when the goods settled at the consumer terminal 100 are delivered to the consumer, When the fee is settled, the encrypted money settlement service providing server 300 and the merchant terminal 400 settle the commission and the settlement amount in local currency corresponding to the exchange rate identified from the settlement server 500, 300 may settle and settle in local currency based on the exchange rate identified by the payment server 500.

The authentication unit 370 transmits the QR code and the payment amount to the merchant terminal 400 at the payment server 500 in the deposit confirmation unit 340 and transmits the QR code and payment amount to the merchant terminal 400 at the payment terminal , It can be determined whether there is a dual use in which the encrypted currency requests the different transaction with the same transaction record as the input value after receiving the payment confirmation from the encrypted currency exchange server 300 that has received the settlement. In addition, the authentication unit 370 can recognize that only the transactions that occurred in the first of the different transactions are effective when the double use, which is a transaction that occurs later in the payment to the remittance address of the consumer terminal 100, occurs. Then, the authentication unit 370 may invalidate the deposit confirmation, and may transmit the dual use and the invalidation of the procedure progress to the payment terminal and the merchant terminal 400. [

The authentication unit 370 transmits the QR code and the payment amount to the merchant terminal 400 at the payment server 500 in the deposit confirmation unit 340 and transmits the QR code and payment amount to the merchant terminal 400 at the payment terminal It is possible to confirm whether or not the encrypted currency has requested the transaction using the electronic signature and the public address of the consumer terminal 100 after receiving the payment confirmation from the encrypted currency exchange server 300 that has received the settlement, (Balance) is the sum of the past transaction records that specify the public address indicated in the public address as the destination. If the remaining amount of the encrypted currency is not confirmed, the authentication unit 370 may invalidate the deposit confirmation, and may transmit failure of the real owner authentication to the payment terminal and the merchant terminal 400 and invalidation of the procedure proceeding afterwards.

Hereinafter, an operation procedure of the encrypted money settlement service according to an embodiment of the present invention having the above-described configuration will be described.

3, when a payment request is made from the merchant terminal 400 through the payment server 500, the encryption money settlement service providing server 300 automatically inquires the exchange rate and converts the exchange rate into a Korean won Provide value, confirm payment, and provide guidance for settlement. Accordingly, (b) the exchange rate can be inquired, the settlement can be carried out, and the settlement can be performed, which will be described with reference to FIGS. 4 to 6, respectively.

4, the consumer terminal 100 confirms the purchase intention, requests the settlement server 500 to settle the encrypted currency on-line or off-line from the merchant terminal 400 to the payment server 500, Requests the encryption money settlement service providing server 300 to exchange the exchange rate with the encryption money exchange service providing server 300. The encryption money settlement service providing server 300 inquires the exchange rate to the encryption money exchange server 600, Unique code) is received, it is converted into a QR code and transmitted to the payment server 500.

Referring to FIG. 5, payment settlement is confirmed after confirmation of settlement deposit at the time of customer remittance to the virtual wallet (account) in which the exchange rate and unique code valid for a certain time delivered to the payment server 500 are reflected. That is, when the consumer terminal 100 transfers the money to the encrypted money exchange server 600 through the account (wallet) linked to the QR address, the encrypted money exchange server 600 transmits the payment confirmation to the encrypted money payment service providing server 300 And the encrypted money settlement service providing server 300 transmits the data for confirming the deposit to the payment server 500 through the unique code. At this time, the payment server 500 confirms the normal payment to the merchant terminal 400, and delivers the goods to the consumer or proceeds the delivery.

Referring to FIG. 6, the settlement between the settlement server 500 and the encrypted currency exchange server 600 is performed, and the commission and the settlement period can be negotiated by both parties. At this time, after the encrypted currency transaction occurs in the settlement server 500, the encrypted currency exchange server 600 exchanges the money directly with the won through the exchange rate, sets a commission and a settlement period, 500) can be settled by the franchisee to the franchisee terminal 400.

The method of providing the encrypted currency settlement service using the real-time encrypted currency exchange rate inquiry shown in FIGS. 2 to 6 has been described with reference to FIG. 1 in the method of providing the encrypted currency settlement service using the real-time encrypted currency exchange rate inquiry And the description thereof will be omitted.

FIG. 7 is a view for explaining an embodiment in which an encrypted money settlement service using real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention is implemented. Hereinafter, an example of a process in which data is transmitted and received between the respective components will be described with reference to FIG. 7. However, the present invention is not limited to such an embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 7, when a payment request from the consumer terminal to the encrypted currency is received from the consumer terminal, the encrypted currency settlement service providing server receives an encrypted currency settlement request from the merchant terminal to the settlement server, A currency exchange request for converting the currency into local currency is received (S7100).

Then, the encryption money settlement service providing server inquires at least one exchange rate exchange server, based on the received exchange rate request, the exchange rate at which the value of the encrypted currency is converted into the local currency at step S7200, A unique code for identifying the exchange rate, and an identification code including an address to which the payment amount is to be transferred to the payment server (S7300).

When the payment server transmits the QR code and the payment amount to the merchant terminal, and the consumer terminal makes a settlement with the remittance address included in the QR code, the encrypted money settlement service providing server sends If it is determined that the deposit is confirmed (S7400), the payment confirmation is transmitted to the payment server through the unique code (S7500).

The encrypted money settlement service providing server confirms settlement at the merchant terminal through the settlement server, and if the goods settled at the consumer terminal are delivered to the consumer, the fee is settled from the settlement server at step S7600.

The method of providing the encrypted currency settlement service using the real-time encrypted currency exchange rate inquiry shown in FIG. 7 has been described with reference to FIGS. 1 through 6, for the method of providing the encrypted currency settlement service using the real-time encrypted currency exchange rate inquiry And the description thereof will be omitted.

A method of providing an encrypted money settlement service using a real-time encrypted currency exchange rate inquiry according to an embodiment described with reference to FIG. 7 includes a form of a recording medium including an application executed by a computer or a command executable by a computer such as a program module . ≪ / RTI > Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include both computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing an encrypted money payment service using the real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention may include an application installed in the terminal basically (which may include a program included in a platform, And may be executed by an application (i.e., a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the method for providing an encrypted money settlement service using real-time encrypted currency exchange rate inquiry according to an embodiment of the present invention is implemented as an application installed in a terminal or directly installed by a user (i.e., a program) Or the like, and the like.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (11)

A method of providing an encrypted money settlement service executed in an encrypted money settlement service providing server,
Receiving an encrypted money settlement request from the merchant terminal to the settlement server and receiving a currency exchange request from the settlement server to convert the encrypted currency into local currency when a settlement request from the consumer terminal to the encrypted currency is received from the merchant terminal; step;
Querying the at least one encrypted currency exchange server based on the received exchange rate request for an exchange rate at which the value of the encrypted currency is converted into local currency;
Transmitting, to the payment server, an identification code including a payment amount converted according to the exchange rate, a unique code for identifying the exchange rate, and an address to which the payment amount is to be remitted based on a result of the inquiry;
When the settlement server transmits the QR code and the settlement amount to the merchant terminal and the consumer terminal makes settlement using the remittance address included in the QR code, Receiving;
Transmitting the deposit confirmation to the payment server through the unique code when the payment confirmation is made; And
Receiving settlement confirmation from the merchant terminal through the payment server and settlement of the fee from the payment server when the goods settled in the consumer terminal are delivered to the consumer;
Wherein the method comprises the steps of:
The method according to claim 1,
Wherein the querying of the exchange rate at which the value of the encrypted currency is converted into local currency into at least one encrypted currency exchange server based on the received exchange rate request,
Requesting the exchange rate inquiry to at least one encrypted currency exchange server based on the received exchange rate request;
Selecting an encryption currency exchange server providing the lowest exchange rate of the requested exchange rate;
Inquiring an exchange rate with the selected encryption money exchange server;
The method comprising the steps of: (a) providing an encrypted currency billing service using real-time encrypted currency exchange rate inquiry;
The method according to claim 1,
Wherein the resultant value includes a valid currency for a predetermined time and a unique code for identifying the valid exchange rate.
The method according to claim 1,
Wherein the identification code is a QR code or a bar code.
The method according to claim 1,
Wherein the settlement confirmation is made at the merchant terminal through the payment server, and the settlement of the fee from the settlement server, when the article settled at the consumer terminal is delivered to the consumer,
Wherein the settlement server confirms settlement at the merchant terminal through the settlement server, and when the goods settled at the consumer terminal are delivered to the consumer, the encrypted currency settlement service providing server requests the settlement at the exchange rate set in the encrypted currency exchange server ;
Settle the balance excluding the commission to the merchant terminal when the settlement amount is paid by the encryption money settlement service providing server according to the settlement request;
The method comprising the steps of: (a) providing an encrypted currency billing service using real-time encrypted currency exchange rate inquiry;
The method according to claim 1,
When payment is confirmed at the merchant terminal through the payment server and payment of the commission from the payment server is made when the goods settled at the consumer terminal are delivered to the consumer,
Wherein the encrypted money settlement service providing server and the merchant terminal settle the commission and the settlement amount from the settlement server to local currency based on the identified exchange rate,
Wherein the encrypted currency exchange server performs settlement and settlement with local currency based on the currency exchange rate identified by the payment server, using the real-time encrypted currency exchange rate inquiry.
The method according to claim 1,
When the settlement server transmits the QR code and the settlement amount to the merchant terminal and the consumer terminal makes settlement using the remittance address included in the QR code, After the receiving step,
Determining whether the encrypted currency has a dual use requesting a different transaction with the same transaction record as an input value;
Recognizing that only the first transaction among the different transactions is valid when a double use, which is a subsequent transaction, occurs in payment to the remitting address of the consumer terminal;
Invalidating the deposit confirmation and delivering the dual use to the payment terminal and the merchant terminal and the invalidation of the proceeding proceeding;
The method comprising the steps of: (a) providing an encrypted currency billing service using real-time encrypted currency exchange rate inquiry;
The method according to claim 1,
When the settlement server transmits the QR code and the settlement amount to the merchant terminal and the consumer terminal makes settlement using the remittance address included in the QR code, After the receiving step,
Confirming whether the encrypted currency is a transaction request using a digital signature and a public address of the consumer terminal;
Confirming whether the balance of the encrypted currency is indicated by the sum of the past transaction records designated as the destination as the public address indicated in the public address;
If the balance of the encrypted currency is not confirmed, invalidating the deposit confirmation and delivering a false owner authentication failure to the payment terminal and the merchant terminal and transmitting the invalidation of the proceeding procedure to the payment terminal and the merchant terminal;
The method comprising the steps of: (a) providing an encrypted currency billing service using real-time encrypted currency exchange rate inquiry;
The method according to claim 1,
Receiving an encrypted money settlement request from the merchant terminal to the settlement server and receiving a currency exchange request for converting the encrypted currency from the settlement server to local currency when receiving a settlement request from the consumer terminal to the encrypted currency for the merchant currency; Lt; / RTI >
Receiving an exchange rate request for receiving an encrypted money settlement request from the merchant terminal to the settlement server and receiving an exchange rate request from the settlement server to convert the encrypted currency to local currency when a settlement request to an encrypted currency for a merchant terminal of a consumer is received; ;
The method comprising the steps of: (a) providing an encrypted currency billing service using real-time encrypted currency exchange rate inquiry;
A computer program stored on a medium for carrying out the method of any one of claims 1 to 9 using a computer.
A computer-readable recording medium on which a program for executing the method according to any one of claims 1 to 9 is recorded.

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