KR20200015368A - Method for payment and reward using cryptocurrency - Google Patents

Abstract

The present invention relates to a payment and compensation method using cryptocurrency, which comprises the processes of: connecting a user terminal and a service providing server to a block chain system to transmit and receive a block chain transaction; receiving product information by requesting the service providing server for the product information from the user terminal; determining, by the user terminal, a product to be purchased by inquiring the product information, and paying a payment amount of a purchase-confirmed product with cryptocurrency used in the block chain system; and compensating the user terminal for cryptocurrency of the amount corresponding to the payment amount of the purchase-confirmed product by dividing the same into a predetermined number of times through the block chain system. According to the present invention, free transaction can be performed regardless of a barrier of border and time using cryptocurrency, and the difficulty in actual use due to sudden fluctuation of an existing cryptocurrency can be solved through compensation of the cryptocurrency.

Description

Method for payment and reward using cryptocurrency}

The present invention relates to a payment and compensation method using a cryptocurrency, and more particularly, payment and compensation using a cryptocurrency that can pay for a product price at an online or offline store using a cryptocurrency, and provide a compensation thereto. It is about a method.

Cryptocurrency is a digital asset that is designed to function as an exchange. It refers to the use of cryptographic methods to secure transactions, control the creation of additional units, and to authenticate the transfer of assets. Cryptocurrency is a kind of digital currency.After the advent of the first cryptocurrency, Bitcoin, numerous cryptocurrencies such as Ethereum, Litecoin, Ripple, Monero, Zcash, Dash, and Acoin have appeared.

Cryptocurrency is electronic information that is encrypted and distributed by blockchain technology and can be used as a currency in a certain network.Cryptocurrency is an electronic information that digitally displays monetary value based on blockchain technology without being issued by the central bank. The information is distributed and stored and operated and managed in a P2P manner on the Internet. Decentralized control of each cryptocurrency is managed through blockchain technology, which is a public database that functions as a distributed ledger.

By the way, cryptocurrency is a real-time value decline and rise repeatedly, it takes a certain time before the cryptocurrency is completely delivered to the counterparty, it is difficult to use as a payment method in real life. In other words, cryptocurrency was originally designed as a medium of exchange of goods, that is, means of payment, but it has no face value and is the purpose of investment and is traded at a price that is formed in accordance with market demand through the exchange, which may result in income or loss.

Therefore, by measuring the value of cryptocurrency in real time, automatically calculating the payment amount, making it available for transactions, and providing certain rewards, the income or loss caused by the price formed by market demand in real life It is necessary to supplement the part so that it can be used as a payment method.

Accordingly, an object of the present invention is to provide a payment and compensation method using a cryptocurrency that can pay for a commodity price using a cryptocurrency, and provide a reward for this.

In the payment and compensation method using a cryptocurrency according to the present invention for achieving the above object, the user terminal and the service providing server is connected to the blockchain system to transmit and receive a blockchain transaction, the service provided by the user terminal Requesting product information by a server, receiving product information, determining the product to be purchased by inquiring the product information in the user terminal, and paying the payment for the purchase confirmation product using a cryptocurrency used in the blockchain system; And, through the blockchain system, rewarding the user terminal with a cryptocurrency of an amount corresponding to a payment price of the purchase confirmation product divided by a predetermined number of times.

In addition, the cryptocurrency corresponding to the payment price of the purchase confirmation product is paid to the terminal of a seller who sells the purchase confirmation product, and if the cash conversion is set, connected to the blockchain system. It may further comprise the step of converting the cryptocurrency to cash automatically.

In addition, in order to achieve the above object, the present invention can provide a processor-readable recording medium that records a program for executing the method in the processor.

In addition, the system according to the present invention for achieving the above object, is connected to the blockchain system to transmit and receive blockchain transactions, by requesting product information, the user terminal receiving the product information, the blockchain system The service providing server which is connected, and provides the product information, and the user terminal, by querying the product information, to confirm the product to purchase, payment of the payment of the purchase confirmation product in the cryptocurrency used in the blockchain system And, through the blockchain system, the cryptocurrency of the amount corresponding to the payment price of the purchase confirmation product is divided into a predetermined number of times to be compensated.

According to the present invention, there is provided a memory, a processor, and at least one module stored in the memory and executed by the processor, wherein the at least one module is connected to a blockchain system to transmit and receive blockchain transactions. Process, requesting the product information to the service providing server, receiving the product information, querying the product information to confirm the product to be purchased, payment of the payment of the purchase confirmation product in the cryptocurrency used in the blockchain system And through the blockchain system, an electronic device including a process of receiving a reward divided by a predetermined number of cryptocurrency of the amount corresponding to the payment price of the purchase confirmation product is provided.

According to the present invention, it is possible to freely trade regardless of a border or time barrier using cryptocurrency, and it is possible to solve the difficulty of actual use due to the sharp fluctuation of existing cryptocurrency through compensation of cryptocurrency. In addition, there is no transaction fee or very little, and it is excellent in security by applying blockchain system, and stable issue of resources and inflation can be prevented by additional issuance of cryptocurrency on the same schedule as compensation. Therefore, by measuring the value of cryptocurrency in real time, and automatically calculate the payment price and use it for transactions, it can be used as a payment method in real life.

1 is a view for explaining a general blockchain structure,
2 is a block diagram of a hyperledger fabric,
3 is a signal flow diagram provided in a description of a payment method using a cryptocurrency according to an embodiment of the present invention;
4 is a flowchart provided to explain an operation process in a seller terminal;
5 is a signal flow diagram provided in the description of a payment method using a cryptocurrency according to another embodiment of the present invention, and
6 is a diagram illustrating an embodiment of a network entity supporting a payment method using a cryptocurrency according to the present invention.

In the present specification, when a component is referred to as being "connected" or "connected" to another component, a component may be directly connected to or connected to another component, but other components in between It should be understood that the element may exist. Other expressions describing relationships between components, such as "between" or "neighboring", and the like, such that a component "transmits" a signal to another component, should likewise be interpreted.

Hereinafter, with reference to the drawings will be described the present invention in more detail.

1 is a diagram for explaining a general blockchain structure.

Referring to FIG. 1, a block of a block chain is composed of a header and a body. The header contains the information for creating a linked list in a single block, and the body contains the contents of the transaction contained in the block. In the case of Bitcoin, the header may include information such as software version, difficulty, hash value of the previous block, block creation time, mercruit, and nonce, and the body may include at least one transaction. Can be.

In order to generate a block, a process of finding a nonce value is required. The hash value of the previous block is used to calculate the nonce value of the new block. This process of finding the value of nonce is referred to as mining in Bitcoin and is also called 'consensus algorithm'. This enables the function of distributed ledgers to allow participants on the blockchain network to have the same ledger in real time, and connect the blocks together.

The stability of the blockchain comes through the same ledger between the extension of the chain length through the linked list and the participation of the blockchain network. The longer the chain is, the more difficult it is to hack a previously existing block, and the transaction data of the newly created block is held by all nodes through the distributed ledger, which does not have the computing power to correct more than half of the block. Blockchain data manipulation is impossible.

On the other hand, the blockchain is in the form of a public blockchain (private blockchain), private blockchain (private blockchain), consortium blockchain (consortium blockchain). In the case of public blockchains, anyone can participate in the information and anyone can read it. Private blockchain can apply limited functions according to the purpose, such as restriction of participants and the scope of viewing. The consortium blockchain is configured to interoperate between the public blockchain and the private blockchain.

2 shows a block structure of a hyperleisure fabric.

Hyperledger is a global open source collaboration activity organized by the Linux Foundation to advance blockchain technology across industries. More than 130 members in finance, banking, the Internet of Things, supply chain, manufacturing, and technology are currently involved in eight projects, including Hyperledger Fabric and Hyperledger Composer, to develop a standardized open enterprise-class distributed ledger framework and code base. I'm trying to.

Referring to FIG. 2, the block structure of the hyperledger fabric protects past transaction information from being corrupted by storing the block structure using an encrypted hash function. In addition, the block structure of the hyperledger fabric is almost the same as in the case of Bitcoin, but the key value store (KVS) hash value is also recorded.

The hash value of the previous block is computed using SHA3 SHAKE256 at 512 bits (64 bytes), and the block's metadata can be freely entered at each node and excluded from the hash calculation.

In the present invention, the payment of a commodity price using a cryptocurrency or a reward thereof is basically applied to a hyperledger fabric blockchain system, and data or information related thereto are stored and transmitted in a transaction.

3 is a signal flow diagram provided in the description of the payment and compensation method using a cryptocurrency according to an embodiment of the present invention, Figure 4 is a flow chart provided in the description of the operation process in the terminal of the seller.

In FIG. 3, the user terminal 100, the seller's terminal 150, and the service providing server 200 are connected to the blockchain system 250 to transmit and receive a blockchain transaction. In addition, the user terminal 100 and the seller's terminal 150 block through a communication network such as a smart phone, a notebook computer, a tablet computer, as well as a general personal computer (PC). Includes all electronics that can access the chain system.

The blockchain system 250 is a blockchain system for supporting a cryptocurrency payment and compensation method according to the present invention, and basically a hyperledger fabric blockchain system is applied. In the following description, the cryptocurrency used in the blockchain system 250 to which the payment method using the cryptocurrency according to the present invention is applied is referred to as 'Tongpay' or 'Tong'.

Referring to FIG. 3, the seller registers product information about a product to be sold to the service providing server 200 through the seller's terminal 150 (S300).

The user requests product information to the service providing server 200 through a web page access through the user terminal 100 (S310), and the service providing server 200 may provide the product information to the user terminal 100. There is (S320).

After the user inquires the product through the user terminal 100 (S330), the user confirms the product to purchase, and pays the price of the purchase-determined product in TongPay, a cryptocurrency used by the blockchain system 250 (S340). In this case, the amount of TongPay settled as the price of the purchase confirmation product to be settled depends on the real-time exchange price.

The user may purchase TongPay directly for the purpose of purchasing a product or holding TongPay itself, or may convert and use other cryptocurrency possessed by TongPay. You can also trade with other cryptocurrencies.

When the payment is completed and the payment requirements for the sale of the predetermined product are determined, the currency payment corresponding to the amount of the product sold to the terminal 150 of the seller through the blockchain system 250 is paid (S350). Before the payment is paid to the seller 150 of the seller 150, a message for confirming the purchase of a product or a message necessary for other transactions may be configured to be delivered to the seller 150 through the service providing server 200. .

Before the transaction, the seller terminal 150 determines whether to convert the currency paid in cash to a payment amount in advance, and the determined information is stored in the blockchain ledger through smart contracts.

To support consistent information updates and enable all host functions (transactions, queries, etc.), the blockchain network uses smart contracts to control access to the blockchain ledger. Smart contracts are not only a key mechanism for encapsulating information and keeping it simple across the network, but can also be written to allow participants to automatically execute certain aspects of a transaction.

In the case of hyperleisure fabric, a transaction is the execution of a chaincode (smart contract), and the latest state of an asset can be stored in a key-value repository. In addition, by implementing contract conditions or rules as business logic in a smart contract, processing can always be performed according to agreed rules. In addition, by describing and executing transactions with smart contracts, various kinds of transactions can be processed.

In the seller terminal 150, as shown in FIG. 4, when the currency is paid for the payment (S352), if the cash conversion selection is not determined, the seller stores the paid currency in the electronic wallet (S354, S356), if it is determined that the cash conversion is determined to convert the Tongpay paid by the automatic trade immediately into cash (S354, S358).

According to this process, the seller may be paid for converting the cash corresponding to the settled currency or paid for itself. In addition, it is possible to directly convert the currency to cash by automatic trading, it is possible to reduce the risk due to changes in the market price of cryptocurrency. In addition, even in the case of converting the cryptocurrency to cash, it takes two to three days to receive the actual transaction price in the case of the existing cryptocurrency, but the cash conversion of TongPay can be cashed to the seller (business) at the same time as the transaction. This is because the act of buying and selling cryptocurrency in Tongpei exchange can be done by moving the balance of the database of the server, not the movement of the actual cryptocurrency.

When the payment is confirmed, the Tongpay corresponding to the price of the product paid by the blockchain system 250 is divided into a predetermined number of times based on the authenticated transaction information and compensated by the user terminal 100 (S360). For example, in the blockchain system 250, the user terminal 100 may be compensated with 2,000 scheduling.

The compensation period can be set at any time, and basically can be compensated in units of days. In addition, when the Tongfei is compensated, the amount of Tongpa compensated may be based on the Tongpay price at the time of being compensated. In other words, when the total compensation amount corresponding to the commodity price is compensated by dividing the price in 2000 days, the daily reward amount to be compensated may vary according to the tongpay price at the time of compensation. In addition, the compensation of the Tongfei proceeds in conjunction with the additional issuance schedule of the Tongfei, it is possible to raise the stable resources and prevent the inflation of the Tongfei.

By this process, it is possible to freely trade regardless of the border and time barrier using cryptocurrency, and the difficulty of real use due to the sharp rise and fall of the existing cryptocurrency, the present invention sharply fluctuates through 1-100% Tongpay compensation The burden on people can also be reduced.

In addition, although the fee for mining acted as a burden on the authentication part of the existing cryptocurrency, TongPay can be set with no fee or very small, and is excellent in security by applying a blockchain system.

5 is a signal flowchart provided to explain a payment and compensation method using a cryptocurrency according to another embodiment of the present invention.

Referring to FIG. 5, a user may purchase a product by connecting to a first blockchain system 250 based on a hyperledger fabric using a tongpay according to the present invention through a user terminal 100, and a bit It is connected to the second blockchain system 270, which is a public blockchain system using existing cryptocurrencies such as coins, Ethereum, Litecoin, Ripple, etc., to form a kind of consortium blockchain.

The user requests the purchase of a general cryptocurrency such as Bitcoin, Ethereum, Litecoin, Ripple, etc. through the user terminal 100 (S400), purchases the cryptocurrency (S410), and uses the purchased general cryptocurrency. Through the first blockchain system 250 according to the present invention, a product may be purchased and paid (S420).

In this case, when the payment is confirmed, the Tongpay corresponding to the price of the product paid by the first blockchain system 250 is divided into a predetermined number of times based on the authenticated transaction information and compensated by the user terminal 100 (S430). . Payment using the general cryptocurrency and its rewards can be made according to the Tongpei exchange price.

On the other hand, the present invention is not limited to the configuration of the embodiments described as described above, the above embodiments may be configured by selectively combining all or part of each embodiment so that various modifications can be made have.

In addition, the present invention can be implemented in hardware, a computer program executed by a processor, firmware, or a combination thereof. The computer program may be embodied on a computer readable medium such as a storage medium. Examples of computer readable media include ROM, RAM, EPROM, EEPROM, registers, hard disks, removable disks, CD-ROMs, or any other form of storage media known in the art.

The storage medium can be coupled to the processor such that the processor can read information from and write information to the storage medium. The storage medium may be integrated into the processor. The processor and the storage medium may reside in an application specific integrated circuit (“ASIC”). In the alternative, the processor and the storage medium may reside as discrete components. For example, the network entity 500 shown in FIG. 6 may represent or be integrated with any of the above components.

Referring to FIG. 6, processor 510 and memory 520 may be separate components of network entity 500 used to execute an application or set of operations. The application may be coded in software using a computer language understood by the processor 510 and stored in a computer readable medium such as memory 520. The computer readable medium may be a non-transitory computer readable medium including tangible hardware components such as a memory capable of storing software. Software module 530 may also be another individual entity that is part of network entity 500 and includes software instructions that may be executed by processor 510 to perform one or more functions described herein. In addition to the aforementioned components of the network entity 500, it may have a transmitter and receiver pair (not shown) configured to receive or transmit a communication signal.

In addition, the subject matter of the present invention is not limited to the use of hardware or software, and can be applied to any other computing or processing environment.

In addition, while the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

100: user terminal 150: seller's terminal
200: service providing server 250: blockchain

Claims (10)

In the payment and compensation method using cryptocurrency,
Connecting the user terminal and the service providing server to the blockchain system to transmit and receive a blockchain transaction;
Requesting product information from the user terminal to the service providing server and receiving product information;
Confirming a product to be purchased by inquiring the product information in the user terminal, and paying the settlement price of the purchase confirmation product using a cryptocurrency used in the blockchain system; And
And, through the blockchain system, a cryptocurrency of an amount corresponding to a payment price of the purchase confirmation product is divided and rewarded by a predetermined number to the user terminal. The method of claim 1,
Connecting to the blockchain system and providing a cryptocurrency corresponding to a payment price of the purchase confirmation product to a terminal of a seller selling the purchase confirmation product; And
And if the cash conversion is set, the paid cryptocurrency is automatically traded and converted into cash. The method of claim 1,
Buying the cryptocurrency used by the blockchain system at the user terminal or converting another cryptocurrency into a cryptocurrency used by the blockchain system. The method of claim 1,
The compensation is characterized in that proceeds in conjunction with the schedule for issuing additional cryptocurrency used in the blockchain system. The method of claim 1,
The blockchain system is a hyperledger fabric blockchain system. A processor-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 5 on a processor. Memory;
A processor; And
One or more modules stored in the memory and executed by the processor, wherein the one or more modules include:
Connecting to a blockchain system to transmit and receive blockchain transactions;
Requesting product information from a service providing server and receiving product information;
Inquiring the product information, determining a product to be purchased, and paying the settlement price of the purchase confirmation product using a cryptocurrency used in the blockchain system; And
And a process of receiving, through the blockchain system, a cryptocurrency of an amount corresponding to a settlement price of the purchase confirmation product divided by a predetermined number and rewarded. The method of claim 7, wherein
The at least one module further comprises the step of purchasing a cryptocurrency used in the blockchain system or converting another cryptocurrency into a cryptocurrency used in the blockchain system. A user terminal connected to the blockchain system to transmit and receive a blockchain transaction, requesting product information, and receiving the product information;
A service providing server connected to the blockchain system and providing the product information; And
The user terminal inquires the product information, confirms a product to purchase, and pays a payment price of a purchase confirmation product using a cryptocurrency used in the blockchain system, and through the blockchain system, The system characterized in that the cryptocurrency of the amount corresponding to the payment price is rewarded by dividing by a predetermined number. The method of claim 9,
It is connected to the blockchain system, and further comprising a terminal of a seller selling the purchase confirmation product,
The terminal of the seller, characterized in that the payment payment of the payment price of the purchase confirmation product corresponding payment.

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