KR20190135763A - Block chain based payment system - Google Patents

Abstract

The present invention relates to a block chain-based payment service system and a method thereof. The method of the present invention comprises the steps of: receiving payment request information transmitted and received between an affiliated store terminal and a payment means issuing server; verifying validity of the received payment request information; generating a payment transaction ledger which includes the validity-verified payment request information and is block-chained for each affiliated store, and transmitting the same to one or more ledger authentication systems; storing the payment transaction ledger for each affiliated store when authentication completion information equal to or greater than a predetermined number is received from the ledger authentication systems with respect to the transmitted payment transaction ledger for each affiliated store; and generating purchase claim data for each affiliated store on the basis of the payment transaction ledger for each affiliated store to request the payment means issuing server for a purchase.

Description

Blockchain-based payment and settlement service method and system {BLOCK CHAIN BASED PAYMENT SYSTEM}

The present invention relates to a payment service system, and more particularly, to a payment service system and a method based on blockchain.

For credit card payment, the cardholder purchases goods or services on credit from a merchant recruited by the card company, and then pays the corresponding purchase price to the credit card company on the payment date, and the merchant stores the goods or services sold to the cardholder. Payment is a method of receiving payment from a credit card company.

In the initial credit card settlement, the settlement of the selling price has been made by the credit card company paying the payment when the merchant submits a paper sales slip showing the card member's signature directly to each card company and requests the purchase. This method of credit card payment began to develop rapidly as the credit card companies and merchants connected to the network due to the emergence of payment agencies that accept credit card transactions. Several services have been introduced, such as Electronic Data Capture (EDC).

'DDC service' refers to a service that a billing agency acts for a purchase request by improving a conventional settlement method in which a merchant directly submits a paper sales slip to a credit card company and requests a purchase. This DDC service allows payment card companies to make payments to merchants by paying bills based on the transaction history data generated during the credit card transaction approval process. The settlement agent collects and stores the paper sales slip. When the customer charges the credit card for payment later, if the user's use is unclear or a complaint or accident occurs due to the use of a lost card, the credit card company asks the payment agency to submit the sales slip and the payment agency sells the paper stored in the warehouse. Finding a slip and submitting it as a certificate. If it fails to submit it, the settlement agency bears all responsibility for settlement of the credit card sales.

In other words, in the example service, the procedure for checking the complaints or accidents is complicated, and the payment agency has to bear the responsibility unilaterally, and the payment agency's agents issue virtual sales slips for impure purposes. In many cases, forgery of books is required, and new ways to solve them are required.

Republic of Korea Patent Publication No. 10-0631022

Accordingly, the present invention has been invented to solve the above-mentioned necessity and the above-mentioned problem, and the present invention simplifies the payment settlement procedure and the sales slip confirmation procedure between the payment issuer and the payment agency in online payment. To provide a blockchain-based payment and settlement service system and method,

Furthermore, another object of the present invention is to provide a blockchain-based payment service system and method capable of preventing forgery of a book in which information related to online payment as well as online payment is written.

In addition, another object of the present invention is to provide a blockchain-based payment service system and method that can provide convenience of sales management for each merchant.

The blockchain-based payment service method according to an embodiment of the present invention for solving the above technical problem is a method that can be executed in the payment agency server,

Receiving payment request information transmitted and received between the merchant terminal and the payment means issuing server;

Verifying validity of the received payment request information;

Generating the blockchain payment transaction book for each affiliate store including the validated payment request information and propagating it to one or more book authentication systems;

Storing the payment transaction book for each affiliate store when more than a prescribed number of authentication completion information is received from the book authentication system for the propagated payment transaction book for each affiliate store;

Generating purchase request data for each merchant based on the payment transaction book for each affiliate and requesting the purchase to the payment means issuing server;

Furthermore, the method further includes periodically requesting to reset the payment transaction book for each merchant stored in the book authentication system.

The method may further include transferring the sales information requested for payment to the payment means issuing server to each registered affiliated smart device based on the payment transaction book for each affiliated store.

And verifying validity of the obtained payment request information using payment approval information received from the payment means issuing server.

Meanwhile, the blockchain-based payment service system according to an embodiment of the present invention is a blockchain-based payment service system capable of data communication with a payment means issuing server and affiliated terminals.

A payment request information receiver configured to receive payment request information transmitted and received between the merchant terminal and the payment means issuing server;

Generate a payment transaction book for each merchant including the payment request information and propagate it to one or more book authentication systems, and if more than the number of authentication completion information specified for the payment transaction book for each merchant is received, the payment transaction book for each merchant Merchant payment information management unit for storing;

And a payment settlement processing unit for generating purchase request data for each merchant based on the stored payment transaction book for each merchant and requesting the purchase to the payment means issuing server.

As another system that can be modified, further comprising a sales information providing unit for generating and providing sales information for each merchant stock period based on the stored payment transaction book for each affiliate store.

In the blockchain-based payment settlement service system of the above-described configuration, the payment transaction information management unit for each merchant,

Characterized in that the propagation, storage by block chaining the payment transaction book for each affiliated store,

The payment transaction information management unit for each affiliate,

Validate the received payment request information and generate payment transaction information for each merchant including only the validated payment request information, wherein the validity is verified with payment approval information received from the payment means issuing server. It is another feature.

According to the above-mentioned problem solving means, the system and method according to an embodiment of the present invention, the payment agency simply stores the credit card sales-related information, and separately stores and stores the credit card sales-related information for the same merchant in a plurality of book authentication system Because they authenticate each other through mutual matching, there is an advantage to simplify the payment and settlement procedures, the sales slip verification process, and the storage process between the credit card company and payment agency,

Furthermore, the present invention also has the advantage of preventing the forgery of the book is filled with information related to credit settlement.

In addition, the present invention by supporting the merchants of small and commercial merchants using a merchant terminal of a simple function having only a credit card payment function instead of a POS terminal to check the daily, weekly, monthly, day of the week, credit card sales to merchants, card-related sales It also has the advantage of providing management convenience.

1 is a block diagram illustrating a peripheral configuration of a blockchain-based payment service system according to an embodiment of the present invention.
2 is a block diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.
3 is an exemplary operation flow diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.
Figure 4 is an illustration of a payment transaction book according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that detailed descriptions such as related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 illustrates a peripheral configuration of a blockchain-based payment service system according to an embodiment of the present invention.

As shown in FIG. 1, a blockchain-based payment service system 200 according to an embodiment of the present invention is a system capable of connecting between an affiliated store terminal 100 and a card company server 300 that is an example of a payment method issuer. It is a system that can be built in an agency server system. Of course, it can be built in the card company server 300 system that is the issuer of the payment method.

In the following description, 'payment issuer' refers to a service provider that issues payment methods (points, miles, virtual currency, etc.) that can be paid through a merchant terminal or a smart device of a consumer, in addition to a credit card company.

Payment service service system 200 receives the payment request information transmitted and received between the merchant terminal 100 and the card company server 300 to verify the validity of the payment request information, the merchant containing the validated payment request information Generates a separate payment transaction book and propagates it to one or more book authentication system (400).

The book authentication system 400 existing on the network stores the billing transaction book for each merchant that has been propagated, and compares the billing transaction book of the stored merchant with the billing transaction book of the newly affiliated merchant to check whether the book is counterfeit. If there is no error, it is responsible for transmitting the authentication completion information to the payment service system 200.

In the book authentication system 400, the payment transaction book of each merchant is stored, and the payment transaction book is stored as a payment transaction book for checking whether the payment transaction book and the forgery of the book should be preserved until the period required by the card company. Can be managed separately. The payment transaction book for the purpose of checking forgery may be initialized according to a reset command of the payment settlement service system 200 which is periodically received.

On the other hand, the payment service system 200 stores the payment transaction book for each merchant that has been propagated when more than a predetermined number of authentication completion information received from the book authentication system 400, based on the stored payment transaction book for each merchant Generates purchase request data for each merchant and requests the purchase to the card company server 300.

Hereinafter, the configuration of the payment service system 200 described above will be described in more detail with reference to FIG. 2.

2 illustrates a block diagram of a blockchain-based payment service system 200 according to an embodiment of the present invention.

As shown in Figure 2, the blockchain-based payment service system 200 according to an embodiment of the present invention,

The payment request information receiving unit 210 for receiving payment request information transmitted and received between the merchant terminal 100 and the card company server 300 which is a payment method issuing server;

Generate a payment transaction book for each merchant including the payment request information and propagate it to one or more book authentication systems 400, and if more than the number of authentication completion information specified for the payment transaction book for each merchant is received, the payment for each merchant Merchant's payment transaction information management unit 220 for storing the transaction book in the merchant's payment transaction book DB (250),

It characterized in that it comprises a payment settlement processing unit 230 for generating a purchase request data for each merchant based on the stored merchant transaction book for each merchant to request the purchase to the card company server (300).

In addition to the above-described configuration, the blockchain-based payment settlement service system 200 generates sales information for each affiliated owner's period based on the payment transaction book for each affiliated store stored in the DB 250 (not shown). It may further include a sales information providing unit 240 provided in.

For reference, the payment transaction information management unit 220 for each merchant may block and propagate and store payment transaction books for each merchant to increase security.

Furthermore, it is preferable that the payment transaction information management unit 220 for each merchant verify the validity of the payment request information on the assumption that the received payment request information is illegal forged or immediately canceled after the payment. The merchant-specific payment transaction information management unit 220 verifies the validity of the received payment request information and generates payment transaction information for each merchant including only the validated payment request information, the validity of the card company server 300 It is characterized in that the verification by the payment approval information (payment cancellation information) received from.

Hereinafter, an operation of the blockchain-based payment service system 200 having the above-described configuration will be described in detail with reference to FIGS. 3 and 4.

3 is a flowchart illustrating an operation of a blockchain-based payment service system 200 according to an embodiment of the present invention, and FIG. 4 illustrates a payment transaction book according to an embodiment of the present invention.

Referring to FIG. 3, first, assuming that a customer, a consumer, receives a predetermined product or service from a merchant and provides a credit card in return for the payment, the payment request information is provided from the merchant terminal 100 to the payment agency server. That is, it is delivered to the card company server 300 through the payment service system 200. Such payment request information includes at least a payment date (including time), merchant information (business operator, merchant identification information, etc.), payment request amount, payment requester information (also referred to as card information).

The payment request information receiving unit 210 receives payment request information transmitted and received between the affiliated store terminal 100 and the card company server 300 (step S10).

Merchants payment transaction information management unit 220 verifies the validity of the received payment request information (step S20) and generates payment transaction information for each merchant including only the validated payment request information (step S30), The validity may be verified by payment approval information received from the card company server 300.

For example, the payment request information includes a payment request amount. If the limit is exceeded due to the payment request amount, the card company server 300 transmits a limit exceeding signal instead of payment approval information. In this case, although the payment request information is received in the payment service system 200, since the valid payment approval information was not received from the card company server 300 for the corresponding payment request, the payment transaction information management unit 220 for each merchant is valid. If the payment request is not verified, it is regarded as an inappropriate payment request and discarded (step S60).

Meanwhile, the payment transaction information management unit 220 for each merchant includes the validated payment request information, but generates blockchain payment transaction books for each merchant (step S30) and propagates to the book authentication system 400 existing on the network (S40). Step).

The payment transaction book for each merchant is a book in which revenue generated by a credit card is recorded at each merchant, and various information as shown in FIG. 4 is stored. The important point is that for a certain period of time (for example, one month), the amount requested for payment from each merchant to the credit card company is accumulated in the book value. The book value of the transaction for a certain period of time can be usefully used to combat counterfeiting, illegal sales, etc. of the book by comparing with the book value of the transaction of the affiliated stores previously stored in the book authentication systems (400).

Each book authentication system 400 that has received the blockchain payment transaction book for each merchant stores the transaction book total and the payment request amount immediately before the newly-delivered merchant's payment transaction book. If there is no abnormality in the transaction book total compared to the transaction book total described in, it is determined to be a normal transaction and the authentication completion information is transmitted to the payment service system 200. The book authentication system 400 updates and stores the blockchain-based payment transaction book by accumulating the payment request amount newly transferred to the existing transaction book total amount after transmitting the authentication completion information.

On the other hand, the merchant-specific payment transaction information management unit 220 is a normal payment when the authentication completion information is received from the predetermined number, for example, three book authentication system 400 for the merchant-specific payment transaction book (S50 step) Recognizing it as a transaction stores the payment transaction book for each merchant propagated by the merchant transaction book DB (250) (step S70).

In the storing method, it is preferable to accumulate and store the newly requested payment request amount for each merchant in the total transaction book amount, and each payment request information is also stored in a block chain.

In step S50, if the prescribed number of authentication completions are not received, it is determined as an abnormal transaction and discards the received payment request information.

When the payment transaction book of each merchant is stored for a predetermined period as described above, the payment settlement processing unit 230 generates the purchase request data for each merchant based on the payment transaction book for each merchant (step S80), and the purchase request for each merchant generated The payment service ends in a manner of requesting the purchase of the material to the card company server 300 (step S90).

In order to expedite the processing of the business and payment request amount, if the storage is completed in the payment transaction book for the authenticated payment request, the purchase request data may be immediately generated without a certain period of time and a purchase request may be made (step S90).

According to the embodiment of the present invention as described above, the payment agency prepares and transmits the purchase billing data for each merchant based on the transaction history data generated during the credit card transaction approval process, so that each card company prepays the sales price to the corresponding merchant. Then, in contrast to the conventional method of the payment agency collecting and storing paper sales slips in a post-mortem manner, the payment agency simply stores the credit card sales-related information and multiple credit card sales-related information for the same merchant. Because it is stored separately in the book authentication system 400,

The present invention has the advantage of simplifying the payment and payment procedures, sales slip confirmation process, storage process between the credit card company and payment agency,

Furthermore, the present invention also has the advantage of preventing the forgery of the book is filled with information related to credit settlement.

Although not described in FIG. 3, the blockchain-based payment service system 200 may further include a sales information provider 240 to provide convenience of sales management for each affiliate. That is, the sales information storage unit 240 may generate sales information for each merchant's period based on each merchant's payment transaction book stored in the payment transaction book DB 250 for each merchant and provide the merchant information to the merchant device. The merchant information by the sales information provider 240 can check the daily, weekly, monthly, weekly credit card sales. This is a service that can be provided when a small business owner who does not use a POS terminal simply uses a merchant terminal equipped with a credit card payment function in a store.

In addition, although not described in FIG. 3, the payment transaction information management unit 220 for each merchant may periodically request to reset the payment transaction book for each merchant stored in the book authentication system 400. This is to periodically initialize the payment transaction information for each affiliate used for authentication.

Although the above has been described with reference to the embodiments illustrated in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible.

Claims (8)

Receiving payment request information transmitted and received between the merchant terminal and the payment means issuing server;
Verifying validity of the received payment request information;
Generating the blockchain payment transaction book including the validated payment request information for each affiliate and propagating it to one or more book authentication systems;
Storing the payment transaction book for each affiliate store when more than a predetermined number of authentication completion information is received from the book authentication system for the propagated payment transaction book for each affiliate store;
And generating a purchase request data for each merchant based on the payment transaction book for each affiliate and requesting the purchase to the payment means issuing server. The method of claim 1, further comprising: regularly requesting to reset the payment transaction book for each merchant stored in the book authentication system. The method according to claim 1, further comprising the step of transferring the sales information payment request to the payment means issuing server to each registered merchant's smart device based on the payment transaction book for each affiliated store; Payment service method. The payment method according to any one of claims 1 to 3, wherein the validity of the obtained payment request information is verified by payment approval information received from the payment means issuing server. In the blockchain-based payment settlement service system capable of data communication with the payment means issuing server and merchant terminals,
A payment request information receiver configured to receive payment request information transmitted and received between the affiliated store terminal and the payment means issuing server;
Generate a payment transaction book for each merchant including the payment request information and propagate it to one or more book authentication systems, and if more than the number of authentication completion information specified for the payment transaction book for each merchant is received, the payment transaction book for each merchant Merchant payment information management unit for storing;
And a payment settlement processing unit for generating purchase request data for each merchant based on the stored payment transaction book for each affiliate and requesting the purchase to the payment means issuing server. 2. The payment system according to claim 5, further comprising a sales information providing unit for generating and providing sales information for each affiliate store's period based on the stored payment transaction book for each affiliate store. The method according to claim 5 or 6, wherein the merchant-specific payment transaction information management unit,
Blockchain-based payment and settlement service system characterized in that the blockchain to propagate, store the transaction transaction book for each affiliate. The method according to claim 5 or 6, wherein the merchant-specific payment transaction information management unit,
Verifying validity of the received payment request information and generating payment transaction information for each merchant including only validated payment request information, wherein the validity is verified with payment approval information received from the payment means issuing server. Blockchain-based payment service system characterized in that.

Images