KR20190111436A - System for currency exchanging using crypto currency - Google Patents

Abstract

The present invention relates to a system enabling immediate payment of cryptocurrency by reflecting a real-time exchange rate when using the cryptocurrency. The system comprises: a server (24); and a user terminal (21), a shopping mall server (22), and an exchange server (23) connected to the server. An exchange rate calculating unit (25) of the server (24) provides an exchange rate in each country of the cryptocurrency to the user terminal (21). An advertisement providing unit (26) provides an advertisement provided from an advertiser server to the user terminal (21). When there is a payment request according to the completion of the transaction from the shopping mall server (22), a transaction performing unit (28) requests payment of a transaction price from the exchange server (23) to the shopping mall server (22). The exchange server (23) sends an order for selling coins in a coin wallet of the user as much as transaction costs to the transaction performing unit (28), and makes an order for buying coins at the same rate as the transaction price. The fee for the order is covered by the payment for the watching of the advertisement.

Description

A system that makes payments immediately by using real-time exchange rates when using cryptocurrencies. {SYSTEM FOR CURRENCY EXCHANGING USING CRYPTO CURRENCY}

The present invention relates to a platform that converts and displays a cryptocurrency according to a country-specific currency in consideration of a real-time exchange rate and makes a cryptocurrency available immediately.

The present invention relates to a platform that converts and displays a cryptocurrency according to a country-specific currency in consideration of a real-time exchange rate and makes a cryptocurrency available immediately. Cryptocurrency is a collective term for something like Bitcoin developed using blockchain technology. Bitcoin is a cryptocurrency and the way it works. In other words, it is not a real money like Cyworld 'Acorn' or 'Naver Cash', but it is money that can buy things or pay service fees, but it is called a virtual currency because it is not something that you can get like our money. .

In addition to cryptocurrencies like Bitcoin, various cryptocurrencies are used to make their own cryptocurrency for each Internet service. Cyworld made 'acorns', Naver's 'Naver Cash', and Facebook's 'Facebook Credit'. ', Kakao created a cryptocurrency called' choco '. In addition, there are many places that created cryptocurrencies named 'cache' after their service name. However, these cryptocurrencies cannot be used in place of real money because they are difficult to replace the functions of real money, and each cryptocurrency is difficult to use beyond the subject that created the currency. Only used as However, in the case of cryptocurrency, it is possible to replace the currency used in each country by enabling transactions between individuals without providing the currency.

Bitcoin, the first developed among cryptocurrencies, is a cryptocurrency that was developed by Satoshi Nakamoto in January 2009 and released the source code, which is also called cryptocurrency. Bitcoin's source code is open to the public, and based on this, more than 1,000 similar cryptocurrencies have been developed. Such cryptocurrency is attracting more attention due to the emergence of Fintech, which combines finance and IT, and the Internet of Things (IoT).

For example, Bitcoin, a cryptocurrency, generates a block containing new transfer information every 10 minutes on average by a number of nodes connected to a peer-to-peer network and distributed locally. This is propagated to the network, and the cryptocurrency wallet reflects it in the wallet. The cryptocurrency wallet can store the cryptocurrency or transfer the cryptocurrency to another cryptocurrency wallet connected to the peer-to-peer network.

In Bitcoin, a cryptocurrency, a plurality of nodes compete to generate the block first, generate the block, and propagate it to the network, and are currently paid as a reward. Because of this reward, many individuals voluntarily put their computing devices into Bitcoin's network, which is called mining. The unit of bitcoin is BTC.

 Currently there are more than six domestic bitcoin exchanges that trade domestic fiat currency, won and bitcoin, which is highly competitive.

On the other hand, when using a bitcoin remittance to foreign countries, it is possible to save transaction fees than the wire transfer of the bank or remittance through paypal (paypal), there is an advantage that the transfer time is much faster. However, the price of Bitcoin is so volatile that Bitcoin's price changes significantly even during the transfer process.

Transfer time from Bitcoin wallet to other Bitcoin wallet takes about 1 hour, and during this time, the remitter could lose money due to the volatility of Bitcoin price.

The present invention has been made in order to overcome the problems described above to provide a means for converting cryptocurrency into real money immediately, and when used to exchange the actual currency can be used for shopping by earning mileage for use history It is an object of the present invention to provide a system for making the system.

In order to achieve the above object, when using the cryptocurrency to provide a system to immediately pay by reflecting the real-time exchange rate

The server 24 and the user terminal 21, shopping mall server 22, the exchange server 23 connected to the server, the exchange rate calculator 25 of the server 24 exchanges cryptocurrency in each country Providing the ratio to the user terminal 21, the advertisement providing unit 26 provides the advertisement provided from the advertiser server to the user terminal 21, if there is a payment request from the shopping mall server 22 according to the transaction completion unit ( 28 requests the payment of the transaction price from the exchange server 23 to the shopping mall server 22 and places an order for selling the coin of the user's coin purse to the transaction execution unit 28 as much as the transaction cost. In 23), an order to buy a coin at the same rate as the transaction price can be made, and the commission according to the order can be covered by the payment according to the advertisement.

The invention as described above has the effect of enabling a cryptocurrency transaction that can be immediately paid according to the exchange rate.

1 and 2 show an embodiment according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention. 1 is a diagram showing an embodiment according to the present invention. In FIG. 1, what is indicated as an APP means to be installed in a mobile communication device such as a smartphone or a tablet, and may be a PC. These apps usually calculate and display the exchange rate of cryptocurrencies exchanged by country in real time. The exchange rate calculator 11 displays the exchange rate of the country desired by the user in real time. For this purpose, the exchange rate is fetched from the exchange using each currency in real time and updated at a predetermined time.

The user can access the desired shopping mall through the active app and can purchase the goods in the connected shopping mall. The purchase price according to the purchase of the goods can be immediately purchased using the cryptocurrency that the user has.

Conventionally, when using an exchange to purchase a cryptocurrency, more than a few tens of minutes were required before the actual transaction was made. In the present invention, a real-time country exchange rate of a cryptocurrency is applied so that payment is made immediately in a user's country account. Accordingly, the cryptocurrency used for the transaction is sold from the user through a separate transaction procedure.

In addition, when a transaction is made through the app and the system according to the present invention, an advertisement page is displayed on the transaction page and the revenue generated from the advertisement is covered by mileage and a fee generated when the transaction is made. The mileage can be used like cash in other transactions.

According to such a system, if you have cryptocurrency, you can purchase the goods of the affiliated shopping mall in real time. In the case of purchasing with a card, you have to pay a fee for using the card. In many cases, the types of cards available were limited. In addition, in the case of overseas remittances, only transactions between banks and banks required at least one day to verify remittances, but according to the present invention, it is possible to purchase in cryptocurrency immediately without time delay in shopping malls and exchange them in real-time currencies. It is also possible.

Cryptocurrency, such as bitcoin or litecoin, is a block containing account information or transfer information that the bank has exclusively recorded and managed every average or fixed time by agreement of multiple distributed nodes. The cryptocurrency wallet that propagates to the corresponding peer-to-peer network and receives it uses a method of updating account information. Cryptocurrency uses a consensus algorithm as a method by which a plurality of nodes which are geographically dispersed from each other agree on the generation of a block. The node refers to a computing device generating a new block by connecting to a peer-to-peer network of a corresponding cryptocurrency. The reason why consensus is needed to manage entire account information in cryptocurrency is that multiple nodes must maintain one valid full account information.

The wallet address of the Bitcoin wallet contains approximately 26 to 35 letters and numbers, and the Bitshare wallet can be used as a wallet address by creating an account name such as tastycandy0321. Therefore, cryptocurrency wallet can transfer cryptocurrency to wallet address or account name. In case of Bitcoin, it takes about 1 hour to complete the transfer on average, and the price volatility of Bitcoin is so severe that sometimes price volatility of 10% or more occurs during the transfer, but according to the present invention, Ensure that transactions are always made at the contracted price.

In cryptocurrency, the entire account information is referred to as the name of blockchain, ledger, etc., but in the present invention, it is named as blockchain for convenience. In addition, the block refers to information including transfer information, account information, or both of cryptocurrencies that nodes newly generate at specific times and propagate to the peer-to-peer network. Herein, each specific time means a fixed time or an average of a predetermined time, which corresponds to the confirmation time described below.

In the case of Bitcoin, on average, nodes collect transfer information every 10 minutes to create a new block, propagate it to the corresponding peer-to-peer network, and the propagated nodes or cryptocurrency wallets transfer the block to the blockchain after verification. Add. The confirmation time of Bitcoin is 10 minutes on average

Cryptocurrency is open source and therefore vulnerable to hacking attacks such as double spending from attackers. In particular, since an attacker node can find new blocks and propagate them to peer-to-peer networks, cryptocurrencies contain various anti-hacking methods to prevent hacking in themselves. One of the hacking prevention methods is to request the number of transfer completion confirmations necessary for the transfer to be completed in order to prevent hacking when transferring the cryptocurrency.

The number of transfer completion confirmations differs for each cryptocurrency, and in general, the smaller the confirmation time, the greater the transfer completion confirmation number. Bitcoin's transfer confirmation is 6 conforms, and the confirmation time is 10 minutes on average. For this reason, it takes 6 * 10 minutes = 1 hour on average for the transfer to complete in Bitcoin. The number of transfer completion confirmations of Litecoin is 6 confirms, and the confirmation time is 2.5 minutes on average, so the average transfer completion time of Litecoin is 6 * 2.5 minutes = 15 minutes. In this case, the conformation time refers to the time at which nodes generate new blocks every fixed time or every average time.

It will be described in more detail in FIG. When the user terminal 21 tries to purchase a product by accessing the shopping mall page, the user terminal 21 issues an order to the shopping mall server 22 and exchange server 23 corresponding to the call handled by the shopping mall server 22. Makes a request for payment to the shopping mall server 22. At this time, the user terminal 21 receives the exchange-related information in real time from the exchange rate information module 13 so as to check the quantity of coins to be paid when making a payment in the currency to determine the purchase / exchange.

When the user terminal 21 issues an order for purchase, the server 24 dedicated to the delivery of information according to the present invention connects the coin purse connected to the user terminal 21 with the exchange server 23 in the exchange server 23. Direct payment is made to the shopping mall server 22. At this time, when the user terminal 21 makes an order to the shopping mall server 22, the price of the coin used and the currency recognized as equivalent are specified, and this information is transferred to the exchange server 23 through the server 24, and the corresponding currency. As much as the amount of money to be immediately deposited to the shopping mall server (22). At this time, if there is a transaction fee at the exchange or a fee using the server 24 according to the present invention, the amount excluding the fee is deposited in the shopping mall server 22, and the fee is taken into account. (21).

In addition, the exchange server 23 at the same time to sell the coin of the same amount as the amount used for the transaction in the coin purse connected to the user terminal 21. The sell order may be placed at the same time as the coin trading begins and may be made one to two late.

This is to prepare for the case in which the transaction is canceled before the transaction is completed. If the transaction of the coin is canceled for any reason for one hour after the payment is made to the shopping mall server 22 until the transaction of the coin is completed, the payment is made only on the exchange server 23. This can happen. In order to prepare for such a case, it is possible to reduce the loss by doing the reverse transaction of the coin requested by the user.

In the case of highly volatile currencies, such as cryptocurrencies, the damage incurred by the cancellation of a transaction can be greater than expected. In order to prevent this, a coin of the same size as the coin to be bought from the user terminal 21 is sold at the same price rather than the purchase. In this case, no matter how much the price of the coin changes during the transaction, there is no damage caused by the change in the price of the coin because the purchase and sale are made at the same price. However, only the fee for using the exchange can be consumed. The fee incurred here can be covered by the cost from the advertisement on the screen that the user sees while making a purchase.

In addition, when a transaction is canceled, the reverse transaction may also be canceled so that the number of coins purchased and sold is always the same.

In order for a transaction in one direction to be canceled, the transaction in the opposite direction may be canceled after 1 or 2 confirmations.

When the transaction of the coin is completed, the coin traded in the opposite direction to prepare for the volatility of the coin remains, which is immediately traded in the opposite direction.

In this case, the price of the coin may fluctuate and damage may occur. For the exchange server 23 or the server 24, as the number of transactions increases, the game randomly trades and decides whether to go up or down after that. If you increase the number of transactions, the probability of rising and falling is 50%.

In the case of individual buyers, the number of transactions is inevitably limited, so the price of the coin may fluctuate when the coin is traded in several transactions, but the loss is likely to increase. The gain and loss from the transaction itself converges to zero. However, as the number of transactions increases, a transaction fee is incurred. The transaction fee can be supplemented with advertising revenue, and it is a fee in the form of insurance that does not induce immediate payment according to the transaction and profit from the change of the coin from the user who makes the transaction. You can get a little more to cover.

In addition, the user may receive mileage in exchange for watching the advertisement displayed while using the server 24 and the shopping mall server 22 using the user terminal, and the mileage received may be used to replace the fee or to purchase the shopping mall. Can be.

In addition, the fee used to prepare for the change in the price of the coin may not always be the same, but may change because the price of the coin may change rapidly in one direction. Even if there is a sudden change in one direction, the shorter transactions at random time, except for the fee, the more the number of executions, the closer the profits and losses are to zero, but if they are far from zero, the fee can be changed according to the profit and the loss ratio. In the case of profits, the fees may be further reduced.

When the payment of the coin is canceled, the cost paid to the shopping mall is also refunded to the exchange server, and the transaction is returned in the opposite direction of the transaction that was immediately reversed (ie coin purchase direction). There is almost no loss or profit due to the volatility of the coin because there is a time difference between one and two confirmations between the cancellation of the payment and the refund of the coin.

The exchange rate calculator 25 provides the user terminal 21 with real-time transaction rate, exchange rate, and commission information so that the user can purchase a coin from the terminal 21 and perform a transaction. The user designates an exchange according to the shopping mall server 22 used by the user to purchase coins from the coin purse connected to the user terminal 21 and pays the purchase price to the shopping mall server 22.

The advertisement providing unit 26 provides an advertisement of the advertiser server to the user terminal 21 and provides the user terminal 21 with the expense received as an advertisement from the advertiser server as the provided advertisement to the user terminal 21 in the form of mileage, and part of the exchange server as a fee according to the transaction. To 23.

The transaction tracking unit 27 calculates a ratio of profits and losses according to the transactions made up to now and changes the fee charged to the user accordingly.

In the present invention, the shopping mall server 22 is assumed for convenience of description, but the shopping mall server may be another user terminal that wants to be paid (that is, the second user terminal).

When a user attempts to remit money to another user by the system such as the present invention, payment can be made immediately without waiting for one hour of transaction completion.

The transaction execution unit 26 proceeds with the payment of the coin according to the purchase from the server and the purchase and sale of the coin at the exchange.

21: user terminal 22: shopping mall server
23: Exchange Server 24: Server
25: Currency Exchange Department 26: Transaction Execution Department
27: Transaction tracking department

Claims (4)

When using cryptocurrency, the system makes payments immediately by reflecting real-time exchange rates.
Server 24;
It includes a user terminal 21, shopping mall server 22, the exchange server 23 connected to the server
The exchange rate calculator 25 of the server 24 provides the exchange rate in each country of the cryptocurrency to the user terminal 21.
The advertisement providing unit 26 provides the advertisement provided from the advertiser server to the user terminal 21, and when there is a payment request according to the transaction completion from the shopping mall server 22, the transaction performing unit 28 stores the shopping mall at the exchange server 23. Request payment of the transaction price to the server 22 and place an order to sell the coin of the user's coin purse to the transaction execution unit 28 corresponding to the transaction cost, and the same as that corresponding to the transaction price on the exchange server 23 Place an order to buy a coin of rate
System commission that pays the commission based on the order of advertisement, reflecting the real-time exchange rate when using cryptocurrency. According to claim 1, when the transaction is canceled, the transaction execution unit immediately refunds the amount of money refunded from the shopping mall server 22 to reflect the real-time exchange rate when using the cryptocurrency. System The system according to claim 2, wherein the payment is made immediately by reflecting a real-time exchange rate when using a cryptocurrency, which provides a mileage to the user according to the time at which the advertisement is played in the user terminal to use the order. The system according to claim 3, wherein the transaction tracking unit adjusts the transaction fee according to the ratio of profit and loss according to the transaction made for a certain period of time.

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